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Moneyball posted:There's always russian roulette as well. Everyone should try that. Good with money, as there are in-built systems devoted to stopping you chasing your losses.
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Dec 11, 2016 23:26
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https://www.bogleheads.org/forum/viewtopic.php?f=2&t=205068quote:Dear Bogleheads, Ouch. Kid who's not doing anything with himself in his 20's who apparently bought a brand new car on mommy's dime. No savings and SS income is nothing. She's in for a tough ride.
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Dec 12, 2016 01:15
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SweetSassyMolassy posted:https://www.bogleheads.org/forum/viewtopic.php?f=2&t=205068 This one hit me pretty hard, yikes.
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Dec 12, 2016 01:35
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That is scarily like what my mom went through with her mother, sans the deadbeat kid. Instead, she was spending all her money on her great-grandkids buying toys they didn't want and had no place to store out of misplaced sense of duty, then complaining to anyone who would listen that she didn't have money for her insulin, especially at charity places to get her medicine at reduced cost. Even after my mom took over her finances completely she had to give her $100/mo. just so she could keep buying useless crap for a modicum of peace and happiness. Selling her house, getting out of her car lease, discharging all of her loans, it was rough 
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Dec 12, 2016 01:48
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It's gonna be even worse for that poor woman once the Republicans try to cut medicare and social security, as reported the other day. So many older people are going to starve...
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Dec 12, 2016 01:52
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Haha no they'll just get rid of it for everyone under like 55, although they'll still have to pay for all of the current recipients. (not that I know for sure, I just imagine they'll serve Republican constituents - old white racists on medicare and social security, and gently caress over everyone else) ohgodwhat fucked around with this message at 02:06 on Dec 12, 2016 |
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Dec 12, 2016 02:03
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The Social Security cut and privatization plan is from the House Chairman of the Ways and Means committee, who has been obsessed with removing Social Security for decades, and is not necessarily going to be introduced in this Congress. The Medicare "reform" is though. It does let everyone 55 and older keep traditional Medicare, but everyone under 55 gets boned. You get to choose from a couple private plans and get a voucher for a flat amount to help pay for it. Going to be tons of fun to be a 65-year old looking for private insurance plans on marketplace full of tons of old and sick people and paying out of pocket. And they aren't even changing the Medicare tax rates, except for removing the 0.8% increase on incomes over 250k from Obamacare, so young people who are getting super-boned won't even get the silver lining of 30+ years of ever so slightly lower taxes. If you can find a way to have more than 250k in taxable income every year and stay young and healthy forever, then it could be very GWM for you though. Leon Trotsky 2012 fucked around with this message at 02:31 on Dec 12, 2016 |
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Dec 12, 2016 02:27
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Maybe a cheap hyperloop and other countries being symphatetic to our inability to manage healthcare will enable more Americans to engage in medical tourism abroad.
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Dec 12, 2016 02:51
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I'm waiting for medical cruises.
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Dec 12, 2016 03:03
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Subjunctive posted:I'm waiting for medical cruises. These actually already exist for cosmetic surgeries and dental procedures. They have clinics in Costa Rica at the wharfs in Puerto Limon and Caldera where Cruise liners stop. It's ports full of overpriced restaurants, tourist traps, knick-knack salesmen, plastic surgeons, and oral surgeons.
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Dec 12, 2016 03:50
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I meant where you board in LA or Miami and then travel out to international waters for a quick rhinoplasty or hysterectomy while underway.
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Dec 12, 2016 04:01
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ohgodwhat posted:Haha no they'll just get rid of it for everyone under like 55, although they'll still have to pay for all of the current recipients. I sure hope so. My mom has no savings and never paid into SS, but she's 62 which means she's got medicare and like $400 a month from SS. It's dogfood bad, but better than nothin' and it's bought me the time to save on her behalf for some of the inevitable emergencies that are coming down the pipe.
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Dec 12, 2016 05:19
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I know everyone hates on everything Republicans suggest, but defined benefits in this case could have a braking effect on medical costs. An absolutely massive percentage of health care costs occur in a senior citizen's last month of life. End-of-life care is weird in this country and the current system is full of perverse incentives to keep people alive as long as some government agency is footing the bill. Defined benefits could also create a Mad Max Thunderdome world. It's all in the implementation. All hail Immortal Trump and his perfect-in-every-way son Eric.
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Dec 12, 2016 15:39
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Krispy Kareem posted:I know everyone hates on everything Republicans suggest, but defined benefits in this case could have a braking effect on medical costs. An absolutely massive percentage of health care costs occur in a senior citizen's last month of life. End-of-life care is weird in this country and the current system is full of perverse incentives to keep people alive as long as some government agency is footing the bill. I'm pretty sure you know which one would actually be implemented.
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Dec 12, 2016 15:41
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Fortunately my retirement plan has been to die slightly after I stop working ('slightly' being however long it takes for exposure and starvation to kill me), so looks like these changes just affirm my choice!
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Dec 12, 2016 15:50
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Krispy Kareem posted:I know everyone hates on everything Republicans suggest, but defined benefits in this case could have a braking effect on medical costs. An absolutely massive percentage of health care costs occur in a senior citizen's last month of life. End-of-life care is weird in this country and the current system is full of perverse incentives to keep people alive as long as some government agency is footing the bill. So, uh, death panels then?
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Dec 12, 2016 16:00
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Krispy Kareem posted:I know everyone hates on everything Republicans suggest, but defined benefits in this case could have a braking effect on medical costs. *A computerized voice comes on over your hospital bed* Sorry, you have used your lifetime allotment of medical funding. You may self fund further care, or say "kill me now" if you do not have sufficient funds.
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Dec 12, 2016 16:09
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Inept posted:*A computerized voice comes on over your hospital bed* Alternatively, "please say McDonalds to continue using the ventilator"
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Dec 12, 2016 16:11
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ate all the Oreos posted:Alternatively, "please say McDonalds to continue using the ventilator" Please watch this short promotional video for 10 additional minutes of ventilation!
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Dec 12, 2016 16:18
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This is why in my retirement scenarios I assume social security won't be there. It will be, but its almost certainly reduced benefits will need to go just for making up for neutered medicare. In BWM, worrying about a 20 point credit drop when you're now DEBT-FREE. https://www.reddit.com/r/personalfinance/comments/5hwyhz/i_paid_off_the_last_of_my_student_loan_and_my/ quote:I know that CK's score is a simulation, I'm really hoping that paying off my student loan didn't legitimately lower my score. Any help would be appreciated.
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Dec 12, 2016 16:28
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More like when you're going to die you go to a hospice or home instead of staying hooked up in a hospital because your family insists on every last effort. I can't imagine my experiences with hospitals are that different than other people. Four hours before my father passed the hospital was doing some weird EKG brain test (he died from renal failure). My grandmother's last day probably cost Medicare $20k because her son insisted on every life-saving measure on an 87 year woman with a systolic blood pressure that looked like my Calculus grade (I got a D in Calculus). If my dumbass uncle had to pay 20% of those costs he would have had a different perspective. Anecdotal sure. But like 30% of healthcare costs take place a month before death. There are some perverse incentives going on that are skewing costs. BEHOLD: MY CAPE posted:Please watch this short promotional video for 10 additional minutes of ventilation! That's silly. The dying don't buy stuff. Please share this video with male family members in the 18 - 35 age bracket for 10 minutes of ventilation.
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Dec 12, 2016 16:35
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Krispy Kareem posted:More like when you're going to die you go to a hospice or home instead of staying hooked up in a hospital because your family insists on every last effort. This tends to happen because panicky bereaved relatives grasp at straws, praying for a miracle like in one of their TV shows. Obamacare was supposed to include "end of life counseling" in which a doctor would sit down with them and explain "Your grandma is dying, we can't save her. Here's how we can ease her passing." But this was labelled "Death panels!" by the supposedly cost-conscious Republicans.
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Dec 12, 2016 16:38
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BarbarianElephant posted:This tends to happen because panicky bereaved relatives grasp at straws, praying for a miracle like in one of their TV shows. Obamacare was supposed to include "end of life counseling" in which a doctor would sit down with them and explain "Your grandma is dying, we can't save her. Here's how we can ease her passing." But this was labelled "Death panels!" by the supposedly cost-conscious Republicans. Precisely. End of life counseling would be exactly what you had described, a way to avoid expensive traumatic procedures in the last month of life, but Republicans decided to go with "Death Panels  " instead of what would reduce suffering AND save money.
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Dec 12, 2016 16:46
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BarbarianElephant posted:This tends to happen because panicky bereaved relatives grasp at straws, praying for a miracle like in one of their TV shows. Obamacare was supposed to include "end of life counseling" in which a doctor would sit down with them and explain "Your grandma is dying, we can't save her. Here's how we can ease her passing." But this was labelled "Death panels!" by the supposedly cost-conscious Republicans. Republicans just want the Invisible Hand of the marketplace to be your death panel. Which might make sense. Consumer driven healthcare plans (i.e. high deductible) lower overall costs whereas Cadillac healthcare plans increase prices. When people are aware of costs they make cheaper decisions. Of course the funeral industry and pet hospitals make lots of money because of emotions so maybe it won't matter unless you're financially tapped out.
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Dec 12, 2016 16:52
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BarbarianElephant posted:This tends to happen because panicky bereaved relatives grasp at straws, praying for a miracle like in one of their TV shows. Obamacare was supposed to include "end of life counseling" in which a doctor would sit down with them and explain "Your grandma is dying, we can't save her. Here's how we can ease her passing." But this was labelled "Death panels!" by the supposedly cost-conscious Republicans. Ding ding ding
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Dec 12, 2016 19:16
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(Cross posting from iOS games thread) A guy in California spent $1 million in stolen money on Game of War.  What... how would this not be flagged? I guess if I were in a Brewster's Millions situation but could only buy games, in app purchases would be the way to go. http://www.bbc.com/news/technology-38290186
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Dec 12, 2016 19:17
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Krispy Kareem posted:Republicans just want the Invisible Hand of the marketplace to be your death panel. Yeah you can have a mostly private healthcare system with great outcomes, but it requires the government to heavily regulate costs. Politicians would have to be willing to ignore CNN stories about grandma dying because the government banned a half million dollar procedure using a $50m machine that mightve extend her life by 2 weeks. So probably impossible in the West, works great in Singapore though.
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Dec 12, 2016 19:19
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"Come play, my lord" indeed. And yes, I know that was Evony. Work with me here.
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Dec 12, 2016 19:19
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 Less-D&D content: reddit posted:Personally, I'm very pessimistic for the future job market (medium to high paying). reddit posted:Hi all, I'm 18 years old Have a full time job and work anywhere from 50-55 hours a week. I get paid bi weekly and bring home about 1300$ a paycheck after taxes I currently have a loan for my truck for the sum of 23k In July when I turned 18 I got the loan and just checked my credit the other day and it's around 680. In springtime I would like to get another vehicle and that would require a loan, what are the chances of getting a loan then? I assume my credit score will go up between now and then? Thanks legal advice reddit posted:This year, due to lack of volunteers, students from my class must volunteer at sports concessions. Every time they fail to show up they are charged 30 dollars. I missed mine due to actual work that I have to do and they took the money out of my lunch account and they said if I don't go to the next one I will not be permitted to attend prom. Not too worried about prom but can they really charge me for not volunteering? Public school in Ohio.
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Dec 12, 2016 19:59
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quote:This year, due to lack of volunteers, students from my class must volunteer Besides the fact that this sentence is hilarious, is it really volunteering if you must do it? Sounds more like forced labor.
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Dec 12, 2016 20:12
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I was forced to volunteer once. But it was worth it- dude really had it coming.Haifisch posted:
quote:Public school in Ohio. Of course
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Dec 12, 2016 20:22
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BarbarianElephant posted:This tends to happen because panicky bereaved relatives grasp at straws, praying for a miracle like in one of their TV shows. Obamacare was supposed to include "end of life counseling" in which a doctor would sit down with them and explain "Your grandma is dying, we can't save her. Here's how we can ease her passing." But this was labelled "Death panels!" by the supposedly cost-conscious Republicans. When my grandmother passed, what surprised my mom and my aunt was how early in the process they had to make the intervene (with expensive and risky surgery that will leave you with severely reduced quality of life and won't let you live much longer anyway) vs. palliative care decision (they went with palliative care).
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Dec 13, 2016 00:52
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Powerlurker posted:When my grandmother passed, what surprised my mom and my aunt was how early in the process they had to make the intervene (with expensive and risky surgery that will leave you with severely reduced quality of life and won't let you live much longer anyway) vs. palliative care decision (they went with palliative care). Don't you usually make that call before anything bad happens? Once your loved one has broken their hip or contracted pneumonia it becomes much more difficult to make decisions and know what the right thing to do is. Oh course the ultimate GWM is to do your own estate and end of life planning so your family isn't left guessing if you'd be ok with a feeding tube. Everyone in this thread better have a will!
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Dec 13, 2016 08:50
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I used to work in the quality department at a tissue bank, and part of my job was reviewing all the medical records of people who have recently died and donated tissue to make sure it'd be safe for the recipients. Some of the records were as large as novels because families the donor's didn't have any advanced directive on file stating how they wished to be treated in cases where they were unable to make their own decisions and family members were pushing for all possible intervening measures. The really hosed up part is sometimes we wouldn't be able to tell all what has been given to a donor in the moments before their death (things like saline, titrated medications, blood, plasma, etc. to make sure that any blood samples we took for infectious disease testing weren't diluted), and the records wouldn't be totally clear. It was always easier to get information from the medical billing department because they were making sure anything that got used was getting billed to the family/insurance company.
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Dec 13, 2016 11:56
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BAE OF PIGS posted:It was always easier to get information from the medical billing department because they were making sure anything that got used was getting billed to the family/insurance company. As someone who works under the A/R umbrella in a national health care provider, can confirm this.
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Dec 13, 2016 13:39
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Powerlurker posted:When my grandmother passed, what surprised my mom and my aunt was how early in the process they had to make the intervene (with expensive and risky surgery that will leave you with severely reduced quality of life and won't let you live much longer anyway) vs. palliative care decision (they went with palliative care). Hospitals want you to make the decision early because it gets everyone in the right mindset, but you can change the directive at any time. Although if a doctor is against a procedure on someone who is obviously dying they could probably find ways to delay if the end is really near. With my father they left open the option of a feeding tube for almost his entire stay. I got so much grief from other family members for declining that option that I was actually going to relent the day he died.
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Dec 13, 2016 14:48
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Switchback posted:Don't you usually make that call before anything bad happens? Once your loved one has broken their hip or contracted pneumonia it becomes much more difficult to make decisions and know what the right thing to do is. It is every citizen’s final duty to go into the tanks and become one with all the people. —Chairman Sheng-ji Yang, incredibly GWM.
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Dec 13, 2016 15:27
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Switchback posted:Don't you usually make that call before anything bad happens? Once your loved one has broken their hip or contracted pneumonia it becomes much more difficult to make decisions and know what the right thing to do is. The look of shock/disbelief on the intake nurses face when I told them we had an advanced medical directive at 32 was hilarious. BWM: Not having an estate planning package for ~$2500 causing everything to drop into probate which is billed as a % of assets.
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Dec 13, 2016 17:43
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I need to make out a will one of these days. Should I wait until we've got a positive net worth?
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Dec 13, 2016 20:41
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EAT FASTER!!!!!! posted:I need to make out a will one of these days. Should I wait until we've got a positive net worth? Ask yourself who could possibly fight over your stuff or who you really want to try to give certain things you own to. If it's no one, well, I'm not sure what the point of a will is regardless of net worth.
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Dec 13, 2016 21:22
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