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https://www.reddit.com/r/personalfinance/comments/7afflf/i_need_help_financing_3050k_in_surgeries/quote:Hopefully this post doesnt start very much hate but it's something I have to do.
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Nov 3, 2017 00:19
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Droo posted:https://www.reddit.com/r/personalfinance/comments/7afflf/i_need_help_financing_3050k_in_surgeries/ That's kind of  actually.
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Nov 3, 2017 00:24
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FrozenVent posted:That's kind of Yeah uh, it seems like she’s trans and talking about transition-related surgeries, many of which are sometimes considered medically necessary or covered by health insurance. Honestly, her best bet is probably trying to get it covered by insurance (through getting doctor’s notes and poo poo).
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Nov 3, 2017 01:11
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Being that they're in the USAF, under President Trump...
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Nov 3, 2017 01:17
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As far as I know the military still covers gender reassignment surgery, so if it's that it's unclear to me why the person would have to pay for the whole thing themselves. http://www.cnn.com/2017/07/13/politics/house-defeats-bid-block-pentagon-transgender-surgeries/index.html
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Nov 3, 2017 02:04
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There was just a court ruling on that actually after the orange pissbaby tried to throw them out of the military entirely. Removing them immediately and not allowing new trans enrollment is injuncted, but I think the ban on paying for any treatment or surgeries is still in effect.
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Nov 3, 2017 02:56
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Droo posted:As far as I know the military still covers gender reassignment surgery, so if it's that it's unclear to me why the person would have to pay for the whole thing themselves. The military doesn't cover gender reassignment surgery. It never has(*) This doesn't contradict the fact that a bill banning the military from doing so was defeated. What this means is that the military while the military is not forbidden by law from covering gender reassignment surgery, it does not cover it as a matter of policy. (*) - Medically necessary procedures are covered. If you're serving as transgender and the surgery is medically necessary, then it's covered. Since October of last year.
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Nov 3, 2017 03:21
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Phanatic posted:(*) - Medically necessary procedures are covered. If you're serving as transgender and the surgery is medically necessary, then it's covered. Since October of last year. So what's the difference between a medically necessary gender reassignment surgery and an elective one? Whether an army shrink says so?
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Nov 3, 2017 03:25
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Droo posted:So what's the difference between a medically necessary gender reassignment surgery and an elective one? Whether an army shrink says so? Probably similar to what it is for insurance companies, depending on the scale of surgery necessary. If you're talking about full-bore sterilization and genital reconstruction, it's probably at least two letters of approval from mental health professionals, one of which is from someone who's involved on a purely evaluative basis (like, not your primary care, a neutral third party), a documented history of gender dysphoria, being on a long regimen of hormone replacement, and having no other uncontrolled physical or mental health issues. "Medically necessary" typically means that the treatment is generally recognized by the medical community as clinically appropriate in scope, that it will effectively treat the underlying problem, is not being done primarily for convenience, and isn't more expensive than some other avenue of treatment that would be equally effective. Phanatic fucked around with this message at 04:09 on Nov 3, 2017 |
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Nov 3, 2017 03:32
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Hoodwinker posted:150k a year is hardly enough to save up for a down payment in the Australian horse market, these days. Better just put it in your 401(neigh) I smell another sequel to "The Man from Snowy River."
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Nov 3, 2017 05:12
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Bite sized BWMIs there any "catch" to signing up for a BestBuy credit card in order to finance a Nintendo? posted:I want the Nintendo Switch. I'd prefer paying for it in monthly installments instead of all at once. It looks like I can do that at Best Buy, but I have to get their credit card first. I will not be spending any money on that card. Is this a good idea? I don't know if the financing would be with interest or not.
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Nov 3, 2017 15:09
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If you have no credit I guess that’s not the absolute worst way to kick things off. But that’s only if you go into it with the intention of establishing credit and you pay whatever off quick. Not paying off a video game system in installments. It’s me, the guy who explains the jokes.
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Nov 3, 2017 15:10
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Moneyball posted:After reading this derail, IMO we need a world government to outlaw having children for one century. gently caress yeah, Children of Men is my favorite movie.
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Nov 3, 2017 16:01
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Inept posted:Bite sized BWM To answer this redditor's question in case anyone here didn't know the specifics, most store credit cards are are a BWM trap. The Best Buy one is not an exception. The catch is that the interest free period isn't really an interest free period. If you don't have the entire balance paid off in full when it ends they charge you interest retroactively based on the entire length of the period and the original price of whatever you bought, all at once.
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Nov 3, 2017 16:18
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Couldn't you just buy the Nintendo switch on Layaway? I heard that payment method has been coming back lately.
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Nov 3, 2017 16:24
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Panfilo posted:Couldn't you just buy the Nintendo switch on Layaway? I heard that payment method has been coming back lately. But then you don't get to take it home that day.
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Nov 3, 2017 16:30
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metallicaeg posted:John Smith doesn't let facts or statistics get in the way of his objectively bad opinions and declarations. Ah... a man so smugly self-satisfied in his convictions and yet completely ignorant of the definition of “opinion”. I re-iterate, ***plenty*** of Americans are fine. Not most, which is an objective factual claim of >50%, but plenty.
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Nov 3, 2017 16:38
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THF13 posted:To answer this redditor's question in case anyone here didn't know the specifics, most store credit cards are are a BWM trap. The Best Buy one is not an exception.
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Nov 3, 2017 16:51
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THF13 posted:To answer this redditor's question in case anyone here didn't know the specifics, most store credit cards are are a BWM trap. The Best Buy one is not an exception. It's not terrible, even with a bad interest rate, as long as you're paying off the bill in a reasonable time and not continuously adding new stuff on it. Like financing a fridge. As long as you know the terms and don't caught in some sort of vicious revolving credit interest cycle it's okay. Not great, but alright depending on the opportunity cost of paying cash. But then Best Buy turns your store card into a Best Buy VISA card, but never decreases the store card interest rate and you're paying 24% on your McDonald's extra value meals. That is bad. Real bad.
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Nov 3, 2017 16:57
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Another BWM trap is employees getting sucked into getting a store credit card themselves. This happened to my wife when she was young; she worked at Macy's and was talked into getting a Macy's credit card. At the time she thought she was being practical because she pulled in pretty good money from commissions there, the card itself has little promotions to tempt you into using it, etc. The problem was she loved clothes, and working at a clothing retailer makes those impulse purchases that much easier, particularly with a credit card that facilitates it. She racked up a fair amount of credit card debt this way and the effort it took for her to pay it off was a harsh lesson to learn.
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Nov 3, 2017 17:06
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A lot of the time they pitch those cards at the register by offering a discount on your current purchase, and people sign up to get the $25 credit or whatever without even really having a chance to look at the terms. Sometimes it's not even clear its a credit card when they're making the sell, because they'll call it a 'store card' and people think its like a loyalty program until you hit the details of the application process.
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Nov 3, 2017 17:06
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And compared to other cards that offer benefits and perks those store cards are not worth it. My wife and I have a Costco visa card that we regularly get the maximum amount of cash back every year (I believe it is $750 or so) in addition to reimbursing us for our annual membership fee. And this is simply by paying the balance off every month and more or less using it on purchases we'd be making anyway. I doubt a Best Buy card could offer a fraction of that.
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Nov 3, 2017 17:10
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The Amazon Prime Store Card was bitching. Not the Amazon Visa, but their store card with a lovely mid-20's interest rate. If you paid it off each month you got a 5% statement credit, which is pretty good if you live your life nestled comfortably next to Jeff Bezo's amazing abs. I say 'was' because now it just switched to points and I have no idea how well those compare, but I'm going to guess 'not very'.
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Nov 3, 2017 17:18
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Krispy Wafer posted:The Amazon Prime Store Card was bitching. Not the Amazon Visa, but their store card with a lovely mid-20's interest rate. If you paid it off each month you got a 5% statement credit, which is pretty good if you live your life nestled comfortably next to Jeff Bezo's amazing abs. Both get you essentially 5% cash back.
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Nov 3, 2017 17:24
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Panfilo posted:Another BWM trap is employees getting sucked into getting a store credit card themselves. This happened to my wife when she was young; she worked at Macy's and was talked into getting a Macy's credit card. At the time she thought she was being practical because she pulled in pretty good money from commissions there, the card itself has little promotions to tempt you into using it, etc. The problem was she loved clothes, and working at a clothing retailer makes those impulse purchases that much easier, particularly with a credit card that facilitates it. She racked up a fair amount of credit card debt this way and the effort it took for her to pay it off was a harsh lesson to learn. It at least used to be the case that Macy's would give their employees a discount - but only if they used the Macy's card.
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Nov 3, 2017 17:36
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Krispy Wafer posted:The Amazon Prime Store Card was bitching. Not the Amazon Visa, but their store card with a lovely mid-20's interest rate. If you paid it off each month you got a 5% statement credit, which is pretty good if you live your life nestled comfortably next to Jeff Bezo's amazing abs. The Visa card gives you 5% back on Amazon purchases, and like 2-3% off on restaurants and gas stations I think? and then 1% off everything else.
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Nov 3, 2017 17:44
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Krispy Wafer posted:It's not terrible, even with a bad interest rate, as long as you're paying off the bill in a reasonable time and not continuously adding new stuff on it. Like financing a fridge. As long as you know the terms and don't caught in some sort of vicious revolving credit interest cycle it's okay. Not great, but alright depending on the opportunity cost of paying cash. I can give you another issue with a best buy card. My wife setup the payment plan with the company before the charges went through on the account. Because of their billing system, it said we were late every month despite the money being there before the billing system even set the charge. We didn't discover this until 6 months later.
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Nov 3, 2017 17:49
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Krispy Wafer posted:The Amazon Prime Store Card was bitching. Not the Amazon Visa, but their store card with a lovely mid-20's interest rate. If you paid it off each month you got a 5% statement credit, which is pretty good if you live your life nestled comfortably next to Jeff Bezo's amazing abs. Just get the amazon prime visa from Chase. 5% on all amazon still, just goes in points that you can redeem at normal cash back rate only you have to do it in chunks of like $25 or $50
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Nov 3, 2017 17:56
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https://www.reddit.com/r/relationships/comments/7ak8dr/me_34m_with_my_wife_35f_10_years_we_are_taking/quote:Me [34M] with my wife [35F] 10 years, we are taking our first vacation since having kids (8 years). She insists we take separate flights which will cost up to $1000 extra. She's afraid of a crash but this means we have much less money to do stuff on the trip
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Nov 3, 2017 18:09
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Chin Strap posted:Just get the amazon prime visa from Chase. 5% on all amazon still, just goes in points that you can redeem at normal cash back rate only you have to do it in chunks of like $25 or $50 It's not just points, you can get statement credit or cash back in any amount you want. $20 is the minimum to cash out but any amount works and it doesn't have to be an even number. Spend all your money on Amazon ---> Get points ---> Turn points into cash ---> Spend new cash on Amazon ---> Get more points. Uterine Lineup posted:https://www.reddit.com/r/relationships/comments/7ak8dr/me_34m_with_my_wife_35f_10_years_we_are_taking/ Nice. This is a good one.
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Nov 3, 2017 18:10
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Uterine Lineup posted:https://www.reddit.com/r/relationships/comments/7ak8dr/me_34m_with_my_wife_35f_10_years_we_are_taking/ Wife is going to kill him
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Nov 3, 2017 18:32
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Uterine Lineup posted:https://www.reddit.com/r/relationships/comments/7ak8dr/me_34m_with_my_wife_35f_10_years_we_are_taking/ Isis recruiting strategy
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Nov 3, 2017 18:36
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If she's that worried she should just stay home. Cancel her ticket and also maybe don't come back from Hawaii.
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Nov 3, 2017 18:42
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This one is a bit of a rollercoaster.https://www.reddit.com/r/personalfinance/comments/7aiuvo/impending_tax_bill/ posted:I am in somewhat of a unique situation and hoping someone can help. I recently got married to my lovely wife ~6 months ago. I am not a very showy or flashy person and would have preferred a small, cheap ceremony, but everyone knows how that one goes. The wedding was quite extravagant and ended up costing ~$300,000. The wedding ended up being amazing though the cost of the wedding was a point of contention for months leading up to it and remains a touchy subject. My wife comes from a well off family and paid for almost the entire wedding.
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Nov 3, 2017 18:42
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I hope they never travel in the same car together. Flying is orders of magnitude safer than driving. People are so ridiculous about flying anxiety.
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Nov 3, 2017 18:45
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He needs to do what she wants and book them seats on separate planes and then just hope like hell that at least one of them crashes.
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Nov 3, 2017 18:49
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Inept posted:This one is a bit of a rollercoaster. I can't tell if the FIL is saying, "don't worry it's taken care of of" or "I hope you are ready to step up and pay this".
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Nov 3, 2017 18:52
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The smart move would be to tell her that she's leaving on the original flight and he'll rebook to an alternative. Then just call the airline and have the seats switched so that they travel at opposite ends of the plane, make sure he boards/deboards last so they don't run into each other. Just turn up at the hotel later in the day from your own flight. Also spend that $1000 on therapy.
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Nov 3, 2017 18:53
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Guinness posted:I hope they never travel in the same car together. Flying is orders of magnitude safer than driving. I mean it's not rational but this woman is obviously really juiced up, she's leaving her babies for the first time in eight (!!!) years, it sounds like they don't do a lot of flying anyway, so I feel bad for them but $1,000 isn't going to bankrupt anyone anyway.
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Nov 3, 2017 18:54
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EAT FASTER!!!!!! posted:I mean it's not rational but this woman is obviously really juiced up, she's leaving her babies for the first time in eight (!!!) years, it sounds like they don't do a lot of flying anyway, so I feel bad for them but $1,000 isn't going to bankrupt anyone anyway. Hormones are BWM. I mean this across the board and not just this particular situation.
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Nov 3, 2017 19:11
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