Nepal has a different calendar and today happens to be new years day so happy new year! The new year marks the beginning of the year 2082. https://en.m.wikipedia.org/wiki/Vikram_Samvat

At drivetime, I’ve been told that my rates might be lower if I got a pre-approval from my bank instead of going through them (if I have the credit score for my bank/credit union to give me a loan)

Carvana is a sister company of drivetime. Drivetime’s target customer base is sub-prime. Putting 2 and 2 together, this doesn’t surprise me at all. Their lowest interest rate might be 16% (for their target customer base) and goes upwards of 30%

Nebula highly recommended since it directly supports creators. I paid for their lifetime license. Floatplane is LTT product and depending on how you feel about LTT since the allegations, will leave that up to you.

How do you “simply” remove the corruption of insurance? The sole purpose of insurance is to take in as much money as possible and pay out as little as possible. I would argue that it’s not corruption, it’s greed but that is by design. Government already provides plenty of other services that aren’t profit driven. The roads that the government builds using tax payer money isn’t generating profit. The public school that the government runs using tax payer money isn’t generating profit. Social security, medicare, medicaid, fire department, VA, public libraries, all run using our tax dollars. Even the army that the government runs isn’t profit driven but there are other companies that have propped up to take advantage of it and have bought lawmakers to be able to easily take advantage (toilet seat that costs 10k anyone?) My argument is that the government inherently isn’t bad or inefficient, it’s the lawmakers that we vote for and don’t vote out that are the problem. Because it’s the government for the people by the people we can vote them out but we can’t vote out a CEO of an insurance company or board of directors of military contractor company.

It’s not free. We pay using taxes. Instead of paying a middle man whose sole purpose is to make money, you have a government run service that isn’t profit driven. Is it efficient? No. Is there a better alternative? Also probably no but I haven’t heard of one. If there is one that is being used somewhere in the world and isn’t something theoretical, I would love to learn about it.