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Comment Re:VHS (Score 1) 192

HSA accounts have deductibles at or near that amount. Granted, the purpose of a HSA os to allow you to fill the HSA with tax free money. They are great for younger, healthier, people because the account never expires (unlike a FSA). So when medical expenses are very low, the money you save in the account can grow for later in life when expenses may be higher.

The obvious catch is you need to be able to make enough to have money left over to fund the HSA during those early years; when your income is probably at it's lowest.

Comment Just canceled (Score 1) 166

Reason: Other, description: I do not trust the CEO's decision to put my safety and security fully in the hands of AI.

I had been a subscriber for years now. But this makes no sense given that the entire purpose of their product is Safety and Security, and I genuinely do not trust AI to consistently get that right.

Comment Re:Banning hosts? (Score 1) 132

Oh, that's not true. We've had plenty of guests vent straight to AirBNB. My "favorite" was one guest who complained to AirBNB that we wouldn't stop someone from flying a drone over the public beach that our condo backs up to. They wanted a refund because the drone was "invading their privacy". Mind you, we are 2nd floor, the windows are Low-E reflective (for those who don't know, it's very difficult to see in from outside when it's light out), and yes, the unit has curtains provided.

Comment Re:It's the fees (Score 3, Interesting) 132

We host on AirBNB and make no money on our property. That's never really been our motivation. Our place is in St Croix, and we can only visit it a few times a year. Renting it ensures that people cycle through it. They report back when something looks off, which often allows us to catch an issue before its a significant problem. The money it brings in helps offset the maintenance cost. Which, to be honest, is pretty significant since our condo is ocean front and the salt is highly unkind to modern materials.

We do charge $180 for cleaning. We used to charge $150, standard rates for the island, and we got highly unreliable cleaners. At $180 we've gotten more reliable ones since we're paying above market rates now. We can't keep a stable cleaner to rely on because they mostly pick up jobs when they want to but at $180 they seem to be willing to do a good job when they do pick ours up. It's just a simple reality of having an ocean property on a small, relatively remote, island.

You're welcome to try for a hotel when to come to STX. King Christiansted is a decent one, but typically 30-50% over our rates. Some of the others, let's say, we've gotten a decent number of "emergency" bookings from people already in STX because they decided not to actually stay in their booked hotel.

Comment Re:Lazy owners. (Score 3, Interesting) 132

I'm a host myself in a unit in St Croix. It can sometimes take a day or two to get a cleaner out to a unit after checkout. We never made any cleaning rules and never charged guests for not doing something. We did ask guests to take out the trash when they leave (the dumpster is about 20 feet from our reserved parking spot) and we did ask the guests to load and run the dishwasher in the unit (we provide the detergent). Those were to prevent smells and guests. We've never gotten pushback on those requests. I've found if you are reasonable with guests and your requests, they are reasonable back with what they're willing to help with.

Comment Re: Ax problem (Score 1) 43

If an automated delivery bot crashes into a window and causes damage, the owner / operator of the bot would be liable. If the owner crashed into 1000 windows over months after already being alerted that was happening, they would likely be criminally liable. Why is it different? The damages are virtual rather than physical, but it is still damage and still cost resources the victim could have better allocated elsewhere.

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