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FizFashizzle posted:You owe someone 15% Leper’s MIL
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Dec 4, 2023 17:56
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| # ? May 27, 2024 20:38 |
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My sister starts her treatment when the insurance company stops trying to fight the hospital on it. God, gently caress this poo poo. The doctors and nurses are kind, knowledgeable, and supportive. The hospital has been kind. There's always gotta be a drat snag. I threw up this morning, I think as a result of stress. Thankfully I can call off and just rest. This year has sucked lol
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Dec 4, 2023 17:56
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Forrest on Fire posted:My sister starts her treatment when the insurance company stops trying to fight the hospital on it. God, gently caress this poo poo. The doctors and nurses are kind, knowledgeable, and supportive. The hospital has been kind. There's always gotta be a drat snag. I’m sorry  Every time someone talks about the “best healthcare system in the world,” you immediately know they’ve never had a meaningful interaction with it. Life and death decisions driven purely by money. It’s like a puzzle box designed to drive providers and patients completely insane.
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Dec 4, 2023 17:58
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Leperflesh posted:Insurance isn't gonna cover jack poo poo because homeowners insurance policies explicitly don't cover "slow water leaks" which includes drainage problems, leaking pipes, leaking roofs, etc. State Farm. You know those State Farm commercials, "yeah, we covered that", what a load of bullshit lol. When my grandmother's house got broken into and had the copper stolen my dad called a plumber who said they work with most insurances and asked who he had. He said "Farm Bureau" and the contractor said "Did you say State Farm?" and my dad repeated himself, then the contractor said "oh thank god, State Farm sucks." This was the only reason I went with Farm Bureau when I bought my house, and luckily since my own water damage was caused by a frozen and burst pipe everything was covered (tbf Farm Bureau doesn't cover "slow water leaks" either, and from the contractors I talked to nobody really does. Real lovely imo) Forrest on Fire posted:This year has sucked lol real sorry, hope things get better.
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Dec 4, 2023 17:59
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Joey Freshwater posted:Oh poo poo once I got the claim ID email it says it’s for $485.91 Happy holidays! I just checked my own name and there's 3 "refunds" by the health system who keeps sending me bills for other visits, since they're too stupid to just apply it as a credit to my account. It's really silly to have to do this but maybe I can make it into a fun annual tradition and host a party where friends gather and fill out forms and whoever gets the most cash back buys shots. And yeah, the medical system stinks. Right now I'm sitting in a hospital room discussing with various doctors how to send my mom home, but the "formulary" for the pharmacy doesn't allow a medicine she needs to be in hospice at home. Such a mess, and this is with standard Medicare, so the easiest version of dealing with these issues. trevorreznik fucked around with this message at 18:21 on Dec 4, 2023 |
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Dec 4, 2023 18:18
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https://twitter.com/BoardGeniuses/status/1731714608807694355 sometimes i love the internet
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Dec 4, 2023 18:30
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Forrest on Fire posted:My sister starts her treatment when the insurance company stops trying to fight the hospital on it. God, gently caress this poo poo. The doctors and nurses are kind, knowledgeable, and supportive. The hospital has been kind. There's always gotta be a drat snag. Yeah, I have a coworker who's been out of work recovering from shoulder surgery and will be until January, which is fine since the holidays are notoriously slow at the post office. His doctor first said he needed it in May, so he would have been fully recovered by now if the insurance hadn't spent 4 months insisting it wasn't necessary.
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Dec 4, 2023 18:41
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trevorreznik posted:Leperflesh, make sure to check your the state's unclaimed property division. The records should be digitized and searchable. I know families like yours who have found 5 figures in checks that never got cashed and went to state custody after a half decade. yeah that's exactly where the money is coming from for the $20k in uncashed checks from her previous employer, but the state hasn't got a record for these dividend payments so they haven't been remitted to the state. We don't know yet who has them but it may be Charles Schwab, in receivership for an account previously with TD Ameritrade, in receivership for an account previously with TD Waterhouse, in receivership for an account previously with Waterhouse Securities. The checks are written to her investment advisor's firm on her behalf, except their firm changed names a few years ago, and the last time my MIL talked to her advisor he couldn't get the Schwab rep to change the payee on the checks to his new firm, the Schwab rep said "the client has to do that" and my MIL was like "I'm right here in the room" and that's the most coherent explanation I can get from her, she's really angry and frustrated about it so the story is not very clear. Anyway we're going to set up a meeting with her investment advisor this week. The guy's taking about 1% AUM annually and I bet he's underperforming a simple index fund setup but my MIL likes him and trusts him so that's going to continue most likely. At least he's an actual fiduciary. But that entire industry is 95% grift and scumbags. Folks you do not need a financial advisor unless you've got millions of dollars, just read the basic resources in the long term investment and retirement thread, put your money in a target date retirement fund as the simplest option, vanguard or fidelity, you'll pay about 0.08% or less, and you'll be better off and get better performance than the vast majority of financial advisors get for their clients they're charging arms and legs.
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Dec 4, 2023 18:54
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Reminder not to use a target date fund in a normal brokerage account.
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Dec 4, 2023 20:05
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JPrime posted:https://twitter.com/BoardGeniuses/status/1731714608807694355 Now they want Big Government Also I had like $50 in unclaimed property so thanks for that tip 
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Dec 4, 2023 20:08
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Joey Freshwater posted:Oh poo poo once I got the claim ID email it says it’s for $485.91 Yeah same for me I'm owed almost 400 from overpayment of health insurance or something. Rules
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Dec 4, 2023 20:14
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MrLogan posted:Reminder not to use a target date fund in a normal brokerage account. It's not ideal, no. You'll generate some taxable events as the fund rebalances itself, and rarely you can have a case like happened with that one Vanguard fund a couple years ago where they refactor the whole fund and there was a large taxable event for holders. If you're American and you have earned income you can open an IRA; if your employer offers a 401k or similar, especially with matching, take advantage of that; and in both of these types of tax-advantaged accounts, there is no issue with holding target date funds because you do not pay capital gains taxes on sales within the account. Target date funds are ideal for those types of accounts. If you are investing for retirement in a non-advantaged account, you can replicate the balance of a target date fund with a three-fund portfolio consisting of a total us stock market fund, an international stock market fund, and a bond fund, in the appropriate proportions for your age and risk. This takes a little bit more study, you'll need to learn what these are and how much of each you should have for your goals and age, and you'll need to occasionally rebalance although you can often do so via weighting your purchases as you add money to the account, to avoid capital gains events. Doing this basic thing will take you a couple of hours a year to think about and manage, and you don't need to pay someone 1% of your total assets to almost certainly underperform the above in the long run by trying to pick stocks, investing in funds with high expense ratios and/or (god forbid) loads, and generally loving around to try to justify their jobs.
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Dec 4, 2023 20:24
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It was $69 
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Dec 4, 2023 20:25
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Just so we are clear, I think acts of violence should always be saved as a last resort. However, I fully advocate violence against C-suites of any for-profit health insurance corporation.
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Dec 4, 2023 20:34
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This has reminded me that I really need to follow through with setting up a savingd account at the state employees credit union. I've been putting it off or just plain forgetting to do it for years and if/when my mom sells my grandparents and estate gets divided up I want a place to put my share that's entirely separate from my current banking set up. Gonna get the combo flu and covid booster tomorrow at my physical, take a drug test for my upcoming ADHD testibg, and then go to my therapy appointment. It'll be a fun afternoon!
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Dec 4, 2023 20:36
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Tulalip Tulips posted:This has reminded me that I really need to follow through with setting up a savingd account at the state employees credit union. I've been putting it off or just plain forgetting to do it for years and if/when my mom sells my grandparents and estate gets divided up I want a place to put my share that's entirely separate from my current banking set up. How much do you think your mom will get selling your grandparents?
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Dec 4, 2023 20:44
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$50 a body but no butt stuff
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Dec 4, 2023 20:45
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Air Skwirl posted:How much do you think your mom will get selling your grandparents? If she packages them up like cocaine amd sells to idiots, idk about 20 a gram until someone catches on. As for their house, which is what she should be selling, Zillow had it about $500k. Tulalip Tulips fucked around with this message at 20:54 on Dec 4, 2023 |
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Dec 4, 2023 20:51
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I got $20 coming from Best Buy apparently, but they want proof of me living at an address I haven't been at for almost 20 years. So, guess that's gone ...
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Dec 4, 2023 21:14
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Amy Pole Her posted:$50 a body but no butt stuff How much for Some Butt Stuff asking for another poster
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Dec 4, 2023 21:16
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Aaaaaaarrrrrggggg posted:I got $20 coming from Best Buy apparently, but they want proof of me living at an address I haven't been at for almost 20 years. So, guess that's gone ... that address might be on your credit report, if a report from an agency qualifies as proof and if you want to bother with it for 20 bucks
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Dec 4, 2023 21:16
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LeeMajors posted:I’m sorry If you have more money than god then we do have the best, yeah. You can take your private jet from Dubai or Bern and land at Teterboro and have a sedan take you right to your private doctor at Sloan Kettering or whatever. But yeah if you’re just a regular person it’s like half a step up from battlefield medicine at this point.
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Dec 4, 2023 21:18
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Freaquency posted:But yeah if you’re just a regular person it’s like half a step up from battlefield medicine at this point. I once sat in a school nurse’s office giving a duoneb and steroids to an 8 year old in severe bronchospasm while he begged his mom not to send him in an ambulance because “we don’t have the money.” There aren’t words to describe how I feel about the beneficiaries of our “healthcare system.” Not any that would keep me off a watchlist anyway.
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Dec 4, 2023 21:24
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Apparently there's a guy in my state with the same first and last names as me, and a middle initial one letter off from mine. And Wells Fargo owes that guy $100 but not me, alas.
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Dec 4, 2023 21:27
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I have 45 coming from a car insurance refund check. A guy with my same name in Pensacola which is somewhere I’ve literally never been is owed $3100 because of a dividend? Bastard
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Dec 4, 2023 21:30
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Checked and got $36.50
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Dec 4, 2023 21:31
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LeeMajors posted:I once sat in a school nurse’s office giving a duoneb and steroids to an 8 year old in severe bronchospasm while he begged his mom not to send him in an ambulance because “we don’t have the money.” My SO has been doing a lot of advocacy work since she entered residency and found a lot of her clinic patients dying because they couldn’t afford treatment until it was too late. They’ve actually scored a handful of pretty major victories but can’t celebrate them at all because doing so will attract the attention of the hard-right shitheads that think medicine should only be available to the insanely wealthy.
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Dec 4, 2023 21:32
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LeeMajors posted:I once sat in a school nurse’s office giving a duoneb and steroids to an 8 year old in severe bronchospasm while he begged his mom not to send him in an ambulance because “we don’t have the money.” I've had the same experience at my old service when I was an AEMT. Almost every one would then sign off AMA and our medical direction would get pissed because we kept signing off people who should be transported. Yeah, no poo poo we should, but when your patient is borderline having an anxiety attack on top of their non-STEMI chest pain because of the cost, am I supposed to kidnap or chapter them?
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Dec 4, 2023 21:35
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Aaaaaaarrrrrggggg posted:I got $20 coming from Best Buy apparently, but they want proof of me living at an address I haven't been at for almost 20 years. So, guess that's gone ... I've printed out emails that had my old addresses and gotten money that way. The bar is very low, use your imagination on what can work.
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Dec 4, 2023 21:43
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Aaaaaaarrrrrggggg posted:I've had the same experience at my old service when I was an AEMT. Almost every one would then sign off AMA and our medical direction would get pissed because we kept signing off people who should be transported. Yeah, no poo poo we should, but when your patient is borderline having an anxiety attack on top of their non-STEMI chest pain because of the cost, am I supposed to kidnap or chapter them? Constant. It happens all the time. People die deaths of self-neglect all the time. My first STEMI and cardiac arrest as a squeaky clean EMT was an obese guy who ignored chest pain for 3 days. First time I saw real, actual diaphoresis. He lived about 10min more.
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Dec 4, 2023 21:50
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Forrest on Fire posted:My sister starts her treatment when the insurance company stops trying to fight the hospital on it. God, gently caress this poo poo. The doctors and nurses are kind, knowledgeable, and supportive. The hospital has been kind. There's always gotta be a drat snag. Yeah, that poo poo sucks, I’m sorry. I’ve talked about my late partner in here several years ago, she had full blown stage four breast cancer and her insurance was just like “lol no” and her treatment got delayed like a week because her oncologist had to yell at them for several days to get them to approve C-Euro posted:Apparently there's a guy in my state with the same first and last names as me, and a middle initial one letter off from mine. And Wells Fargo owes that guy $100 but not me, alas. I checked and as usual no luck for me, but there are multiple people that share my GF’s pretty uncommon name including one lady that has two claims for over $1,000. Alas, not her
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Dec 4, 2023 22:35
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Oh neat I had 200 which I guess was related to something with my house purchase 13 years ago
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Dec 4, 2023 22:39
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T-Square posted:Yeah, that poo poo sucks, I’m sorry. I’ve talked about my late partner in here several years ago, she had full blown stage four breast cancer and her insurance was just like “lol no” and her treatment got delayed like a week because her oncologist had to yell at them for several days to get them to approve This is that exact situation.
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Dec 4, 2023 22:50
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found $55 from a hospital for me and a couple hundred for my wife. thanks for the reminder.
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Dec 4, 2023 22:59
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T-Square posted:I checked and as usual no luck for me, but there are multiple people that share my GF’s pretty uncommon name including one lady that has two claims for over $1,000. Alas, not her Yeah can I, like, write to my doppelganger and tell him to check it out himself? That money might as well go to its owner.
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Dec 4, 2023 23:01
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Checked and found something for my late mother from the gas company for under $100, notified my dad about it. Also found something under $100 for myself, from DraftKings a couple of years ago.
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Dec 5, 2023 00:07
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Not that it should shock anyone, but 23andme has admitted that the ancestry and genetic data of 6.9 million users was stolen in a hack. Man, if you don't have to put a piece of information online, why would you?
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Dec 5, 2023 00:09
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Timby posted:Not that it should shock anyone, but 23andme has admitted that the ancestry and genetic data of 6.9 million users was stolen in a hack. As someone who may have been affected, I feel it's important to be clear about what, exactly, was accessed. When you do a 23andMe for ancestry, you can choose to opt-in to a feature that shares your name, percentage of relatedness, birth year, and "location" which is whatever you put in, usually your city. You can opt out of that feature (in fact it's off by default) and you can also turn it on or off at any time. The idea is that it helps you to find relatives. I used it to discover who my mother is related to (she was adopted) and that my paternal grandmother was jewish (she supposedly had been born on a reservation and had no birth records whatsoever, both of those facts were likely lies, but we don't know if they were told by her or to her by her parents). It's been an incredible thing to connect to people that were able to help me reconstruct my family tree. But it should be obvious, and unfortunatley isn't, that if a single person you're related to has their account compromised, whoever logs in now has that info I mentioned above, along with the fact that you're related to the person whose account was accessed. And, if you can access a large number of accounts, you can start forming your own database of interrelatedness. The utility of this information is limited. You know that Leperflesh lives in Concord, CA, and is 1/4 jewish by ancestry, and is related to a hundred other jews on 23andMe. So... now what? I don't think I'm gonna be like, profiled by the government. They can likely get my exact address, sure, but is some group going to target six million people for individualized harassment? Every goddamn corporation in the country already harasses me daily via mail and phone. Now they can find out I'm a little bit Jewish. So? Racial info is available and correlated to our identities already by millions of corporations. OK so yeah it's bad, it's not a failing of 23andMe really: they offer this feature, you can turn it on or off, and if you have it on you have to be aware that your info is now available to at least several hundred strangers, if not thousands or millions by proxy. Probably people like me should be more careful, I dunno, but like the heat 23andMe is getting I think is misplaced. The only option they have to prevent this is to not allow people to find their genetic relatives, which is half the point of doing the genetic testing in the first place. BTW, Ancestry and all the other big genetic testing sites have similar features and are probably also similarly compromised, they just don't know it yet. People re-use their passwords on different websites. poo poo's not secure. And they're not using 2-factor authentication at Ancestry.
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Dec 5, 2023 00:20
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Tulalip Tulips posted:This has reminded me that I really need to follow through with setting up a savingd account at the state employees credit union. I've been putting it off or just plain forgetting to do it for years and if/when my mom sells my grandparents and estate gets divided up I want a place to put my share that's entirely separate from my current banking set up. my 6 digit savings account number is like having a 5 digit ICQ account number  C-Euro posted:Apparently there's a guy in my state with the same first and last names as me, and a middle initial one letter off from mine. And Wells Fargo owes that guy $100 but not me, alas. CannonFodder fucked around with this message at 00:31 on Dec 5, 2023 |
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Dec 5, 2023 00:25
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a) it’s 100% a failing of 23AndMe as they have a responsibility to secure that data and it’s ludicrous to just let them off the hook because people reuse passwords(!?) b) a database of “almost exclusively Ashkenazi Jews” does not seem like a great thing to have just floating out there in the current climate
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Dec 5, 2023 00:32
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