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Powerlurker posted:I remember getting a prescription at the pharmacy where they put a little note on your slip that says something like "Your insurance saved you $675 on this prescription!" but when you take a look at the actual EOB, the insurance company chipped in a grand total of three dollars on top of your $10 copay. I've had that where insurance chipped in $0.
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Dec 7, 2016 02:00
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Subjunctive posted:Yeah, but I assure you that if you don't have insurance that's the amount they'll ring up on the cash. You save a lot by having insurance even if the insurance company isn't paying out of pocket for all of the difference. Now I'm no healthcare professional but that sounds extremely evil.
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Dec 7, 2016 02:19
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KingSlime posted:Now I'm no healthcare professional but that sounds extremely evil. I wasn't a fan when I fell off insurance while needing this little gem every month: 
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Dec 7, 2016 02:22
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Wow those are some expensive magnets
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Dec 7, 2016 03:16
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KingSlime posted:Now I'm no healthcare professional but that sounds extremely evil. Content: Gambling addictions are obviously BWM. Basing your future on the assumption you'll get a company from a person with a gambling addiction is BWM and BWL. (tl;dr bolding mine) quote:Before we get into this, I wanted to point out some facts to save myself time (since I'm at work):
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Dec 7, 2016 03:20
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That's an incredibly sad post. And a good reminder to not rely on anticipated inheritance or whatever from your parents.
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Dec 7, 2016 03:27
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Oh man, that company and son are hosed. Dad is going to embezzle everything when he's 24 and 364 days old and bet it all on the ponies, drat. Run, little business son! Run for your financial life! Don't ever sign anything!
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Dec 7, 2016 03:43
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So the family business builds houses, right? And they all live together rent-free in one of the model homes?
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Dec 7, 2016 03:59
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Devian666 posted:What gets me is not having a bunch of cards but that they're all maxed out and as Ashcans said above just apply for another. Surely whichever financial institution looking at the utilization must see there's a big risk. Incentives in the banking industry are all hosed up to the point that thousands of Wells Fargo employees were opening fraudulent credit cards in customers' names to hit their quarterly targets. Deutschebank has a $47T derivatives portfolio insuring other peoples' debt, but don't worry a lot of that is insured by other banks, so it's 100% safe. It's not like a chain reaction could occur where a few bankruptcies prompt margin calls from everyone which touches off a liquidity crisis has everyone scrambles to collect cash from everyone else and those who fail immediately blow up and compound the crisis for everyone else. But we're showing nice paper profits this quarter so bonuses all around. Yeah I no longer question how uncreditworthy people are allowed to rack up so much debt. The people approving bad loans aren't the people who will be holding the bag when it all goes to hell so why not.
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Dec 7, 2016 05:21
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KingSlime posted:Now I'm no healthcare professional but that sounds extremely evil. Here's a little secret, if you work for a large company (think Fortune 500 size), the insurer doesn't pay for any of your healthcare. Most plans with more than 1000 members are self-funded, which means the employer pays out 100% of your medical expenses (minus deductibles and premiums, which they pocket all of). The insurance company is just there to negotiate the cheapest rates and do all the paperwork. And also be the bad guy proxy when the employer decides to lower benefits and increase employee costs.
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Dec 7, 2016 05:46
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GWM : My employer offers a discount on the gym next door. BWM : It's still $75/month after discount. GWM : My company will also reimburse "wellness" expenses. BWM : Max $200/ year GWM : Planet Fitness is just a little further down the street and only $10/ month
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Dec 7, 2016 07:11
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Zero One posted:GWM : My employer offers a discount on the gym next door. BWL: going to a "gym" that has pizza and donut days. I was asked to leave a PF after doing deadlifts. Not grunting, not dropping the weights, just setting them down normally.
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Dec 7, 2016 14:33
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DJCobol posted:BWL: going to a "gym" that has pizza and donut days. I was asked to leave a PF after doing deadlifts. Not grunting, not dropping the weights, just setting them down normally. quote:"We're going after the first-time exercises or casual user," CEO Chris Rondeau told Business Insider in a phone interview. "Gym intimidation is real."
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Dec 7, 2016 14:47
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Equal parts sad and BWM: https://www.reddit.com/r/personalfinance/comments/5gxi79/huge_debt_acquired_by_attending_for_profit/ quote:I have attended the art institutes for fashion design and acquired a huge amount of debt. I first attended right out of highschool in 2005. Met with school administration and they figured with the help of mothers finances we could afford the tuition with the help of student aid and federal /private loans. I realize now how big of a mistake that was. First off my mother is self employed so her income varies month to month. Some months its nothing. Fresh out of highschool I was naive and never asked twice if she could afford it. I also assumed since the school figured out the numbers they had our best interest in place and wouldn't enroll me if we couldn't afford it. Yeah I know stupid. Now I'm in the worst financial place possible and so is my mother. Secondly I never finished my degree. I completed three years before I finally have up with that school. (Overcrowded classrooms with not even the supplies to work properly ) The facilities were less than sub par, the technology they had us learning on was outdated and not even to industry standards and the teachers were not even in the field the were assigned to teach. Some teachers even were previous graduates that had never even been in the industry out of school. After 4 years I racked up over 50,000 in my name with loans and my mother has 96,000 in hers. The art institutes have recently come in the news for their enrollment tactics with families like mine and for the outrageous cost of the education given. With that said I now have bill collectors calling not only me, but friends, neighbors, anyone around that will answer. I've told them repeatedly I don't have their money nor do I think I could ever pay it back due to being without a degree to even get a better job than minimum wage. It's paycheck to paycheck in my home. I've recently read about borrowers defense and those using it to get loans forgiven. Has anyone heard of this or am I royally screwed? At this point I feel hopeless and like I've screwed over my mother as well. Not a great feeling to have $150k in debt between herself and her mother to not get a degree in fashion design from the Art Institute.
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Dec 7, 2016 16:36
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On the plus side, pretty sure that hassling your friends and neighbors is a violation, so maybe they can document all that and take it to a lawyer to get some punitive damages on them. I mean, it won't compare remotely to her debt, but it might be satisfying!
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Dec 7, 2016 16:43
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Ashcans posted:On the plus side, pretty sure that hassling your friends and neighbors is a violation, so maybe they can document all that and take it to a lawyer to get some punitive damages on them. I mean, it won't compare remotely to her debt, but it might be satisfying! I think that depends on who is doing the calling. If it's the bank that originally gave the loan they have a lot more leeway in their collection methods. That changes once they sell the debt. He says "bill collectors", but that could still be the original lender.
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Dec 7, 2016 16:51
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If the bank's smart, they're definitely not still holding the student loans for an art school dropout from a decade ago whose mother is occasionally employed.
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Dec 7, 2016 16:58
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Barry posted:Equal parts sad and BWM: Two kids, $10 an hour job, and 150K in unfinished untransferable art school debt. Can I short the US education system?
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Dec 7, 2016 17:47
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https://www.youtube.com/watch?v=1t0FRqENr7U boating.m4v
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Dec 7, 2016 18:20
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DJCobol posted:BWL: going to a "gym" that has pizza and donut days. I was asked to leave a PF after doing deadlifts. Not grunting, not dropping the weights, just setting them down normally. Do they have equipment to use? Yes. Are they inexpensive as hell? Yes. That's all I need. Maybe I'm lucky but I've never seen the staff harass anyone.
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Dec 7, 2016 20:21
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That's because everyone who knows anything about weightlifting knows they aren't welcome there but will probably still be stuck paying the whole contract on a membership they aren't allowed to use. They're so infamous that a powerlifting gym did a parody commercial of a commercial Planet Fitness did which all but said weightlifters weren't allowed.
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Dec 7, 2016 20:46
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Yeah PF's whole schtick is that they have a big stupid alarm and they sound the alarm to keep dastardly jocks from making the nerds uncomfortable or whatever. At some locations the alarm is never ever used, at other locations it's some bored middle manager's only semblance of actual control over others and they will press it the first chance they get.
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Dec 7, 2016 21:44
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I thought you were exaggerating but holy crap. https://www.youtube.com/watch?v=aKXjStndpIc I regret nothing, derail bird
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Dec 7, 2016 21:48
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Sepherothic posted:Two kids, $10 an hour job, and 150K in unfinished untransferable art school debt. Why would you? The president-elect made a boatload of money in for-profit education, and his pick for secretary of education is all about privatization. Finally, we'll be able to ditch the outmoded idea of education as a public good and turn it into a pure profit center. The consumers don't even have the expertise to know whether they're getting a good-quality product or a substandard knockoff until it's too late!
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Dec 7, 2016 21:58
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DJCobol posted:BWL: going to a "gym" that has pizza and donut days. I was asked to leave a PF after doing deadlifts. Not grunting, not dropping the weights, just setting them down normally. So it wasn't just me they did that to. Signed up when I was home for three months. I did freeweight and bench exercises. I hate grunters and wasn't being loud, but I was yelled at. Next visit, I was deliberately quiet, like the weights were made of those chemical vials from the movie The Rock. The staff were staring at me the whole time and accosted me despite being nearly loving silent. One of the staff was an angry steroid midget and the rest were bimbo high school girls. Never went back after that summer. The only thing good about it was how cheap it was. Planet Fitness is a piece of poo poo gym.
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Dec 7, 2016 22:03
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22 Eargesplitten posted:That's because everyone who knows anything about weightlifting knows they aren't welcome there but will probably still be stuck paying the whole contract on a membership they aren't allowed to use.
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Dec 7, 2016 22:04
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gvibes posted:It's really a brilliant business model. Let's run a gym that for people who never, ever go to the gym! It's pretty common to design a product to capture customers who aren't currently using a similar product. Who, if not "people who never, ever go to the gym", do you think was responsible for the rise of the mega gyms? They just cannibalized the hard core people happily working out at local gyms?
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Dec 7, 2016 22:08
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I'm pretty sure the business model of most gyms is already "let's run a gym for people who never go to the gym" tbqh
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Dec 7, 2016 22:11
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LLCoolJD posted:So it wasn't just me they did that to. Signed up when I was home for three months. I did freeweight and bench exercises. I hate grunters and wasn't being loud, but I was yelled at. Next visit, I was deliberately quiet, like the weights were made of those chemical vials from the movie The Rock. The staff were staring at me the whole time and accosted me despite being nearly loving silent. One of the staff was an angry steroid midget and the rest were bimbo high school girls. Never went back after that summer. The only thing good about it was how cheap it was. The only reason I have a PF membership is because I get it through my health insurance. I usually go to Anytime or a local gym when I'm home. When I travel for work though, there isn't always an Anytime Fitness, Workout Anytime, or a Snap Fitness nearby, and I get stuck using PF occasionally. I've been asked to leave the one time. I've been to a few others that didn't even have a squat rack or a power cage, just a lovely smith machine.
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Dec 7, 2016 22:15
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That, and "let's sign them up for long term commitments so they keep paying us when they stop going." I remember hearing that collection agencies are cutting out the middleman and just owning the gyms themselves.
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Dec 7, 2016 22:16
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I bought a squat rack, a bench, an olympic bar and some plates off of craigslist and built a gym in my garage. It was BWM because since them my car has been broken into three times, rammed by a drunk driver, and had the roof caved in by a meth head falling 30 feet out of a tree. The deductibles add up to years of memberships at the local community centre.
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Dec 7, 2016 22:25
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ate all the Oreos posted:I'm pretty sure the business model of most gyms is already "let's run a gym for people who never go to the gym" tbqh Pretty much, it just sounds like PF has found a way to make driving off the most frequent users a perk.
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Dec 7, 2016 22:27
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People using the gym costs them money. Driving off the most frequent or intensive users could well be in their interests.
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Dec 7, 2016 22:29
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Subjunctive posted:People using the gym costs them money. Driving off the most frequent or intensive users could well be in their interests. Yea but funny enough they're driving off the cheapest users. The lunk alarm punishes people who want to use free weights and bench presses, things that require almost no maintenance. The "preferred Planet Fitness member" who uses all the fancy ellipticals and other machines is costing them way more because those machines cost a lot to repair/replace.
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Dec 7, 2016 22:34
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WampaLord posted:Yea but funny enough they're driving off the cheapest users. The lunk alarm punishes people who want to use free weights and bench presses, things that require almost no maintenance. The "preferred Planet Fitness member" who uses all the fancy ellipticals and other machines is costing them way more because those machines cost a lot to repair/replace.
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Dec 7, 2016 22:39
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All I want in life is a gym that has more than one set of barbells (whatever safety set allows me to squat and deadlift - I'm neither picky nor particularly strong, so anything works for me) and that doesn't also think that having two squat racks somehow justifies a $125 p/mo membership fee. I'd just do it at home, but third floor apartment.
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Dec 8, 2016 00:55
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This has probably been posted before, but hey (is for horses  ):http://affordanything.com/2011/09/16/how-to-get-rich-focus-on-whats-important/ quote:“Brian’s parents gave (the family) a horse named Red for their kids to ride. They think it will cost a few hundred dollars a month to feed and care for the animal …The trade-off is worth it, says Brian, because “the kids so love having a horse.” In fact, Amy has already got a name if they get a second horse: Buttercup.
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Dec 8, 2016 01:09
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I think planet fitness is great, but I really only go in the winter for the treadmills since I run quite a bit but I'm a baby about running in the cold/dark. Since that's all I really use, $10/month is pretty good when all the other gyms around cost at least $40 a month. Even the anytime near my apartment is $55. I've never seen the lunk alarm used and the one I used to go to had some pretty beefy bros lifting loud as gently caress sometimes. I agree the pizza and donuts poo poo is stupid, but I just don't eat them. 
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Dec 8, 2016 01:15
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There is a place around here called Fitness Connection that is more or less setup like a 24 hour or a Gold's and cost $10. It was hella dope.
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Dec 8, 2016 03:16
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Derail bird please save us
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Dec 8, 2016 03:25
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