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Anne Whateley posted:Huh? That's what I've always done and it's always right. They might be like "oh it's only the cost of your copay" or "this one's free, but we only pay for one per year," or they might be like "well we only cover 30% of that procedure" so you would have to call your doctor's office to find out what it's 30% of. When I called(repeatedly) about an out of network surgery they were covering, I was told after my out of pocket, they cover 80%. It was only several months after the procedure, when I got a huge bill, that they bothered to explain they meant they cover 80% of what they allow their in-network doctors to charge, nevermind that my surgeon sent his estimated bill when asking for coverage. Oh, and that max out of pocket I paid to the surgeon? that doesn't count because, again it's more than they allow the in-networks doc to charge, so expect a few more bills to come in. So even though I did everything right and made repeated calls to find out exactly how much I would owe and if I had the money for it, I still ended up on the hook for thousands of dollars. Now I'm hesitant to trust anything they say.
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Aug 2, 2014 16:06
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Laterbase posted:It seems terrifying having to pay for medical expenses. I can't even imagine it. It's a whole (major) finance issue we don't have to worry about in the uk. Yeah. Almost everyone outside the U.S. sees our system as horrific. We don't even like it much, we're just scared of socialism or death panels or something. Vasecomies, IUD's, and the pill should all be low to no cost, and covered under a universal system. Almost everything else should be too. One of my friends did something stupid in January. He was running to catch a bus and decided to make a jump over a wall. What he thought was a 2 foot fall ended up being a 20 foot fall that shattered his leg. ONE WEEK before his warehouse job insurance was scheduled to kick in. 3 surgeries later, and still needing more, the bills were at 170k. The hospitals he was being seen at kicked him out, knowing they wouldn't get payment, and shoved him off to Denver Health, the charity case hospital. Who almost didn't take him as he's not a Denver County resident. My advice to him: do whatever you have to to get well. File bankruptcy ( which costs about $1700) once your major treatment is done, unless Medicaid steps in and back pays. Then NEVER go without health insurance again, whether it be employer sponsored, an exchange plan, or Medicaid.
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Aug 2, 2014 17:04
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Not a Children posted:If anyone could've convinced me before that bad financials aren't a big deal when considering a significant other, this just obliterated that chance If I have a "bad with money" bit about me it's consistantly getting involved with younger guys that aren't where I'm at in life financially. I don't bring em home with their drug habits but I do like guys +10 years younger. And I could theorize about being good at sex fills them with a sense of accomplishment or they just have more time to work on their physique or dance whatever but there is a better good : bad in the sack ratio with poor boys. Just a fact.
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Aug 2, 2014 17:19
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I'm not sure if this is e/n or a bad with money story. It's about my roommate, Adam. Adam is in his mid-thirties and makes roughly $40k a year with benefits (401k, PTO, health insurance, company gym, etc) at his blue collar job. He didn't finish college and has back issues so he doesn't really have many options for work, but he seems to enjoy his current employer since they treat him very well. We also live in a part of the country that has very low cost of living, so ~$40k is a decent salary for a single person, especially if you can split living expenses with roommates. One of my roommates moved out of my big house. Adam is a pretty good friend of everyone who lives in the house and was looking for a cheaper apartment closer to his new job. We invited him to move in. He wanted to rent two rooms--one bedroom, and one room for his widescreen tv and DVD/book collections--so we were excited about someone paying for two rooms. Here is what I have found out since Adam moved in. Please tell me if I am being judgmental or unfair to Adam at any point, but all of this seems really strange to me: - He has told me that he often has less than $50 in his checking account. The whole house is very familiar with his pay schedule at this point, because he's usually broke a few days after he gets paid. I told him the other day that he has to manage his money better. It's unacceptable to delay paying a bill because you get paid next week. - He casually told me that he borrows from his 401k all the time. In fact, "whenever there's money to borrow." He's borrowed from it twice in the past year or so, most recently for a dental surgery. - I initially noticed that he collects a LOT of geek stuff--not only did he need an extra room for his tv and DVD collection, but we also have bookshelves in the hallway with his books, DVDs, swords and assorted collectibles he's collected over the years, etc. It's kind of frustrating to see the latest thing he's bought when he says that he can't pay rent on time. - He buys tons of liquor and drugs. My roommate was irritated when Adam said he didn't have money to pay a bill, but he had just bought weed and whippits. - He has TONS of paid subscriptions--Netflix, Hulu Plus, cable, etc. - On top of this, his parents still lend him money constantly, give him furniture, etc. He talks a LOT about being the black sheep of the family, but honestly, I don't really see it--they threw his 36th birthday party at their home (which I noticed was in one of our city's wealthiest areas), he seems to be invited to family celebrations, and they help him out constantly with money. - Another thing I've noticed is that it feels like he tries to sort of buy people's affection--he bought a girl he'd been dating for less than a month really nice shoes and clothes, for example. Most recently, he was bragging on Facebook about being flush with money, and how he was going to go to a spa and pay for anyone else that wanted to come with him. I've noticed that he has a pattern of getting super-excited and careless with his money when he gets paid, so to help him out, I told him about how groupon and living social often have deals for spas. He said he wasn't going to bother, since he was going to have so much money. Also, I just realized that he's referring to the 401k that he emptied for his dental surgery. - In general, he gets really pie-in-the-sky with his money. When he first moved in, he was talking about wanting to buy the house. He couldn't even make rent on time that month. legsarerequired fucked around with this message at 17:58 on Aug 2, 2014 |
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Aug 2, 2014 17:55
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He sounds like he wants to pretend that he is living a lifestyle that he doesn't make enough for. And how many loving books and dvds does one guy need? He could probably save a shitload more money by moving his tv into his bedroom, and putting all that other crap into a storage unit for 30 bucks a month.
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Aug 2, 2014 17:59
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Aristotle Animes posted:If I have a "bad with money" bit about me it's consistantly getting involved with younger guys that aren't where I'm at in life financially. I don't bring em home with their drug habits but I do like guys +10 years younger. And I could theorize about being good at sex fills them with a sense of accomplishment or they just have more time to work on their physique or dance whatever but there is a better good : bad in the sack ratio with poor boys. Just a fact. This kills me. You're obviously smart enough to have finances in place and standards, but you keep bringing home people with drug problems and stupid poo poo like this. Have a bit more respect for yourself and date younger guys with their poo poo together, its not hard to find them. Tons of guys with their stuff together would LOVE to have an older lady with their stuff together.
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Aug 2, 2014 18:03
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Jastiger posted:This kills me. You're obviously smart enough to have finances in place and standards, but you keep bringing home people with drug problems and stupid poo poo like this. Have a bit more respect for yourself and date younger guys with their poo poo together, its not hard to find them. Tons of guys with their stuff together would LOVE to have an older lady with their stuff together. Having a date is bad with money. Buy a dildo/fleshlight and save a ton of money on eating out (  ) every week. If that's too impersonal, splurge on a popsicle stick, glue, and a magazine cutout of a celebrity, then attach it to your new financially responsible date.
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Aug 2, 2014 18:14
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Jastiger posted:This kills me. You're obviously smart enough to have finances in place and standards, but you keep bringing home people with drug problems and stupid poo poo like this. Have a bit more respect for yourself and date younger guys with their poo poo together, its not hard to find them. Tons of guys with their stuff together would LOVE to have an older lady with their stuff together. I think you should re read where I said i don't bring home guys with drug problems. Only that having a decade on a dude puts me in much better financial position then them. The part where it gets "bad" as much as it does get bad is where I pick up the extra percentages on things or what not, bigger shares of rent. They pay for stuff, just not as much as I do and it can be slightly burdensome. I pay for the rental car on vacations. Stuff like that.
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Aug 2, 2014 18:23
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Volmarias posted:Having a date is bad with money. Buy a dildo/fleshlight and save a ton of money on eating out ( Would be better than spending money and time on guys that aren't good partners. Its one thing to date around and have fun. Its another to actively seek a partner that you know is going to be terrible. I mean there are tons of NICE GUYS just like me looking for a girl and those girls only date assholes with 6 pack abs and treat them horrible. I would treat them wonderfully and protect them with my Hanzo Steel Credit Cards of Financial Responsibility.
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Aug 2, 2014 18:24
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Try dating men who are 50+, your wallet will thank you.
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Aug 2, 2014 18:28
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Hashtag Banterzone posted:Try dating men who are 50+, your wallet will thank you. I imagine it would and the prospect is somewhat tempting. I do think about how nice it would be if the table was turned financially but I'm a sucker for young dancers. I just make sure they have more than a six pack, like a day job, before we get serious. But they are still poor comparatively and I end up helping or just trying to be nice. The one I'm with now has better earning potential and will probably surpass me in 10 years if we stay together that long.
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Aug 2, 2014 18:35
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Jastiger posted:Would be better than spending money and time on guys that aren't good partners. Its one thing to date around and have fun. Its another to actively seek a partner that you know is going to be terrible. The OP is looking for young Alphas and she's trying to get in on the ground floor. I think the risk/reward is sound in her scenario. Without knowing her age, she might only have a couple more years to capture the younger dudes in her prime but she can always bag an older more financially sound dude if needed later on. Full disclosure I think older women who don't have sexual hang ups are super awesome. Sometimes I make my wife role play as a cougar that I pick up in bars.
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Aug 2, 2014 19:14
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So that's two known sugar mamas in BFC.
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Aug 2, 2014 19:43
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fruition posted:The OP is looking for young Alphas and she's trying to get in on the ground floor. I think the risk/reward is sound in her scenario. Without knowing her age, she might only have a couple more years to capture the younger dudes in her prime but she can always bag an older more financially sound dude if needed later on. Fair enough. I mean it makes sense, and I don't see that as a bad strategy. I was just trying to White Knight Fedora it up a bit in the name of humor  Look at me I can dance! I have a six pack!
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Aug 2, 2014 19:49
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fruition posted:The OP is looking for young Alphas and she's trying to get in on the ground floor. I think the risk/reward is sound in her scenario. Without knowing her age, she might only have a couple more years to capture the younger dudes in her prime but she can always bag an older more financially sound dude if needed later on. Are you a writer for Modern Family?
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Aug 2, 2014 20:02
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Harry posted:So that's two known sugar mamas in BFC. Deny. I'm a sugar daddy if I'm a sugar anything. Sorry to be ambiguous. Good thing I don't have plat or my pm box would be full of credit reports and paystubs.
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Aug 2, 2014 20:33
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Aristotle Animes posted:Good thing I don't have plat or my pm box would be full of credit reports and paystubs. Ah, the BFC mating call. "Forouhwan kaaayeEE! Forouhwan kaaayeEE!"
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Aug 2, 2014 21:12
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Harry posted:So that's two known sugar mamas in BFC. 
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Aug 2, 2014 21:17
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5 moana posted:I can't deny it, part of the reason I liked having savings is so that I didn't have to worry a single bit if I fell in love with a poor young dude. Plus we're both frugal and can live the happy minimalist life without having to keep up with the Jones, and get to FI quicker b/c expenses are lower. It's actually a financially savvy move if you look at it that way I use it as an excuse for why we don't live in a better apartment. Through raises and promotions, I've basically kept my monthly expenses the same and deflected the "baby, why don't we move to a better/bigger place" with "when we're closer to parity, we'll up the lifestyle a bit. Let's buy some fancy outlet covers at restoration hardware and some towel racks or better cookware or the like and make this better." And I go on paying 15% of my income on a 65/35 split on rent. He was cool with the percentage deal instead of 50/50 as long as I was ok when the tables turn. He asked how I would feel about that when/if it happened. It was pretty cute and I laughed really hard. I'm investing in this one : ) He'll end up a product manager at a hair product company or earning close to twice what I do with 10 years at his current projected increases like his older colleagues with vacation homes who take 3 months off a year. AgrippaNothing fucked around with this message at 21:42 on Aug 2, 2014 |
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Aug 2, 2014 21:38
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legsarerequired posted:- On top of this, his parents still lend him money constantly, give him furniture, etc. He talks a LOT about being the black sheep of the family, but honestly, I don't really see it--they threw his 36th birthday party at their home (which I noticed was in one of our city's wealthiest areas), he seems to be invited to family celebrations, and they help him out constantly with money. He probably is the black sheep as his family most likely tell him to be sensible with his money every time he asks to borrow from them. He may also see things the same way as one of my sisters; he most likely views everyone else as being rich (even though this is just because they don't spend all their money or have been saving their entire life).
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Aug 3, 2014 02:24
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Not a Children posted:If anyone could've convinced me before that bad financials aren't a big deal when considering a significant other, this just obliterated that chance I thought that when people say things like that, they're generally referring to people who've simply fallen on hard times - not uber-fuckups who don't know the meaning of the word "responsibility".
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Aug 3, 2014 03:12
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Devian666 posted:The talk of there probably won't be a pension when I retire has been a common theme for some time. I found some figures for New Zealand. Apparently there are currently 5 workers per 1 retiree, and by 2050 there will be two workers per retiree. It looks like generation X is in for a lovely time. On the flip side such a large population with a small working population will mean there will be a lot of work around. Pffft like there's going to be anything resembling a state pension when the current under 30s retire in New Zealand.
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Aug 3, 2014 04:26
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Butt Wizard posted:Pffft like there's going to be anything resembling a state pension when the current under 30s retire in New Zealand. More like under 40s. Although the current system will be falling apart by the time the 47 year olds hit retirement.
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Aug 3, 2014 04:55
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VideoTapir posted:Unless ACA changed things, no you don't. Anne Whateley posted:Freezing your sperm is hella expensive, though, I'm not defending that one. The Baroness posted:When I called(repeatedly) about an out of network surgery they were covering, I was told after my out of pocket, they cover 80%.
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Aug 3, 2014 07:24
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FYI for the "ugh! Why you have children! You bad with money!" crowd: sometimes even the best birth control can fail. Even IUDs have a 0.4% failure rate. Speaking from experience  Good odds, but some of us will be those 6 of 1000 couples.I guess I should get some lotto tickets now? Although this only explains one or two kids. After that you might want to double check your methods...
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Aug 4, 2014 16:04
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Thesaurus posted:FYI for the "ugh! Why you have children! You bad with money!" crowd: sometimes even the best birth control can fail. Even IUDs have a 0.4% failure rate. Speaking from experience Hey the bible tells me that pulling out is effective contraception. Check and mate, atheists 
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Aug 4, 2014 16:19
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Thesaurus posted:FYI for the "ugh! Why you have children! You bad with money!" crowd: sometimes even the best birth control can fail. Even IUDs have a 0.4% failure rate. Speaking from experience Well there's also abortion but that depends on how sentient you feel a colony of a cells is.
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Aug 4, 2014 16:20
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Aristotle Animes posted:If I have a "bad with money" bit about me it's consistantly getting involved with younger guys that aren't where I'm at in life financially. I don't bring em home with their drug habits but I do like guys +10 years younger. And I could theorize about being good at sex fills them with a sense of accomplishment or they just have more time to work on their physique or dance whatever but there is a better good : bad in the sack ratio with poor boys. Just a fact. I'm just a poor boy nobody loves me He's just a poor boy from a poor family don't suck his dick that is bad BFC
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Aug 4, 2014 18:12
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gigawhite posted:don't suck his dick that is bad BFC
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Aug 4, 2014 19:55
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moana posted:The last few posts have me thinking that this is actually good, not bad, what do I do now? Easy come, easy go, ballin' with Slow Mo
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Aug 4, 2014 20:23
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so I could say that I finally figured out what this god damned cube is doing. Get well Lowtax.
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moana posted:The last few posts have me thinking that this is actually good, not bad, what do I do now? Invest in gold. BFC approved!
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Aug 4, 2014 20:37
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moana posted:
I don't want to get banned for out of context "mod sass" 
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Aug 4, 2014 21:28
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Well lucky for you I'm not a mod anymore, heyo!Lowness 72 posted:Invest in gold. BFC approved!
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Aug 4, 2014 21:31
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This is a story about a couple who was struggling with hard decisions when buying a home in NYC: http://www.nytimes.com/2014/08/03/realestate/from-townhouse-to-tribeca-the-hard-way.html?_r=0 quote:The couple, who both grew up in Manhattan, had met in high school. They couldn’t find anything suitable in their preferred neighborhood, Lower Manhattan, near Ms. Wong’s family. So, three and a half years ago, they opted for a $1.7 million townhouse in Cobble Hill, Brooklyn. This is the more entertaining commentary on this story: http://www.deathandtaxesmag.com/225672/family-overcomes-heartwrenching-adversity-to-buy-4-million-home-in-manhattan/
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Aug 4, 2014 22:00
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Shadowhand00 posted:This is a story about a couple who was struggling with hard decisions when buying a home in NYC: One of the comments was pretty funny: "This was so shocking I almost drove my Ferrari into the pool!"
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Aug 4, 2014 22:10
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Shadowhand00 posted:This is a story about a couple who was struggling with hard decisions when buying a home in NYC: Is this just run of the mill hating on rich people or am I missing something? e: I mean it's from the RE section of the NY times. Not exactly the craigslist of Calcutta or anything. Barry fucked around with this message at 22:28 on Aug 4, 2014 |
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Aug 4, 2014 22:26
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Shadowhand00 posted:This is a story about a couple who was struggling with hard decisions when buying a home in NYC: quote:As they prepared to move to the Cobble Hill house, Mr. Berkman grew concerned about insurance and quadrupled their contents coverage, joking with the agent, “What’s the worst that could happen — the house burns down?” This sounds like insurance fraud. Did the worker place the lamp directly under a rack of clothes or something? If so, wouldn't the workers' company be liable for the damage?
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Aug 4, 2014 22:27
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EugeneJ posted:This sounds like insurance fraud. Probably. But you get insurance so you aren't fighting the contractor's insurance while living out of your car and eating stale bread.
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Aug 4, 2014 22:28
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One of the guys I work with used to work in payroll back in the 90s with timecards on punch cards or bubble sheets. Here's a story from him. My employer used to pay bonuses quarterly, twice a year, and annually. So you sometimes would get two or three of those bonuses to stack on the same pay cycle. Because of the way tax withholdings are calculated in payroll software, bonuses and windfalls are often have higher withholding rates compared to regular paychecks. This means that you'll get it all back at tax refund time anyway. It was common practice for those who carefully kept track of their taxes to submit a new W4 just before the bonus hit to claim more exceptions, and thus lower their withholding rate to get more money through the year and minimize their tax refund. So a few days before the system deadline, you'd get a bunch of people in line at Payroll to change their W4s in the system. Then, once the bonus dropped, they'd go back to payroll and change their W4 back to normal. They had a guy come in simultaneously furious and nearly in tears around tax time, because last year he had changed his W4 for no-withholdings on a bonus and forgot to change it back. So he was really mad and was blaming payroll for screwing up his withholdings. Guy owed over $10,000 to the IRS. Cmon dude, didn't you notice that your paychecks all year were ~$400 bigger than usual? 
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Aug 4, 2014 23:44
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canyoneer posted:One of the guys I work with used to work in payroll back in the 90s with timecards on punch cards or bubble sheets. Here's a story from him. Honestly at this point my spending is sufficiently divorced from my income that I genuinely might not notice this. Granted, I could also cover the debt to the IRS no problem because of that. I think you do pay a penalty for insufficient withholding though, so maybe that's what he was mad about?
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Aug 5, 2014 00:20
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