|
Laughing out loud in despair that McConnell is gonna do reconciliation and nobody can stop him.
|
#
?
Jul 13, 2017 16:38
|
|
|
|
| # ? Jun 10, 2024 08:44 |
|
|
DandyLion posted:Well, its important to keep in mind that HSA's as the Republican answer to affordable health care is a far sight better than their previous platform (kill all poors). No it isn't better, because even with HSA's "kill all the poors" is in full effect, you nincompoop.
|
|
#
?
Jul 13, 2017 16:38
|
|
|
HSAs are good until Wall Street realizes they can gently caress around with regulations and make risky investments based on them then you have a situation where you get a market crash or other financial crisis and they become worthless. Especially if you pick the non conservative or moderately conservative option.
|
|
#
?
Jul 13, 2017 16:38
|
|
|
Can you actually invest with HSAs pre-retirement? I thought the main restriction of an HSA was that it was to be used for medical expenses only.
|
|
#
?
Jul 13, 2017 16:39
|
|
|
Leon Trotsky 2012 posted:If you can cap your HSA and use it as an investment vehicle, then you will shield $236,250 of your income from taxes (and this is a wildly unrealistically low estimate. It assumes that they never raise the contribution limits, which they do almost every year.) and have $1,404,317 in tax-free assets at age 65 assuming an average growth rate of 7% during your working years. That's if you're not spending it on any healthcare expenses.
|
|
#
?
Jul 13, 2017 16:40
|
|
|
DandyLion posted:CBO is just a filthy liberal propaganda machine anways. Can't trust a god damned word they say or print. 
|
|
#
?
Jul 13, 2017 16:41
|
|
|
Hollismason posted:HSAs are good until Wall Street realizes they can gently caress around with regulations and make risky investments based on them then you have a situation where you get a market crash or other financial crisis and they become worthless. Especially if you pick the non conservative or moderately conservative option. That doesn't make any since unless you want to ban bonds, stocks, and all investment accounts.
|
|
#
?
Jul 13, 2017 16:41
|
|
|
Nonsense posted:Laughing out loud in despair that McConnell is gonna do reconciliation and nobody can stop him. Well, other than the fact that he doesn't have the votes, sure. He's currently trying to direct Trump's inevitable rage at the smallest number of GOP senators possible.
|
|
#
?
Jul 13, 2017 16:41
|
|
|
HSAs are dumb because they depend on high deductible plans, and the idea of voluntarily paying less just to earn a buck is moronic. Nobody ever plans to get sick suddenly and need urgent care, but that's kind of the whole point of insurance. It's also not just about getting sick, there are things like "accidents" or "nature" that health insurance protects you against.
|
|
#
?
Jul 13, 2017 16:42
|
|
|
scaterry posted:Can you actually invest with HSAs pre-retirement? I thought the main restriction of an HSA was that it was to be used for medical expenses only. Yes. You can't use an HSA for anything other than healthcare until you are 65. After that you can do what you want with it.
|
|
#
?
Jul 13, 2017 16:42
|
|
|
Peven Stan posted:Liberals defending HSAs are a good exemplar on how they are pure classist scum. Hey. I'm a liberal and I think they are pretty useless. But continue with your personal revolution, comrade...
|
|
#
?
Jul 13, 2017 16:42
|
|
|
scaterry posted:Can you actually invest with HSAs pre-retirement? I thought the main restriction of an HSA was that it was to be used for medical expenses only. Yes. All HSA contributions are investable. That's the point of the account and the difference between an HSA and a FSA. Qualified distributions from a HSA have to be medical expenses until you are 65. Then you can withdraw as much as you want, whenever you want, for any reason.
|
|
#
?
Jul 13, 2017 16:43
|
|
|
Boris Galerkin posted:HSAs are dumb because they depend on high deductible plans, and the idea of voluntarily paying less just to earn a buck is moronic. Nobody ever plans to get sick suddenly and need urgent care, but that's kind of the whole point of insurance. It's also not just about getting sick, there are things like "accidents" or "nature" that health insurance protects you against. Some employers only offer HDHP's so employee's don't have a choice.
|
|
#
?
Jul 13, 2017 16:43
|
|
|
Boris Galerkin posted:HSAs are dumb because they depend on high deductible plans, and the idea of voluntarily paying less just to earn a buck is moronic. Nobody ever plans to get sick suddenly and need urgent care, but that's kind of the whole point of insurance. It's also not just about getting sick, there are things like "accidents" or "nature" that health insurance protects you against. There is nothing wrong with high deductible plans if you can pay the deductible. Sure, I'll pay the first 4-6 grand or whatever it is, but the insurance company is on the hook for the next infinite, even if the treatment costs millions. Rigel fucked around with this message at 16:47 on Jul 13, 2017 |
|
#
?
Jul 13, 2017 16:43
|
|
|
Rigel posted:I understand that your rage against HSA's is probably based on the fact that "moderate" republicans might be tempted to go "but HSA's are improved!" as a reason why destroying medicaid is fine. I get that. I fall slightly out of that range and I have an HSA where my employer puts in $500 and I put in $500 and my premiums are very low. It's fine for me and as long as I don't have anything serious happen to me i save money but again, it does nothing to control costs and it's horrible for poor people. It's not a viable solution just like 401k's arent' a viable retirement solution. scaterry posted:Can you actually invest with HSAs pre-retirement? I thought the main restriction of an HSA was that it was to be used for medical expenses only. The only way this helps you is if you're already maxing out your 401K which means you're probably rich.
|
|
#
?
Jul 13, 2017 16:44
|
|
|
RisqueBarber posted:Some employers only offer HDHP's so employee's don't have a choice. If they don't have a choice then they don't have a choice. The fault isn't on them but against the system in general.
|
|
#
?
Jul 13, 2017 16:46
|
|
|
Peven Stan posted:True but you can also invest your contributions in a HSA, which greatly enhances its status as a tax break for the rich and HENRYs. Upper Middle Class people often don't literally understand the math of not being Upper Middle Class. They see a lot of things as "default" , and don't understand why other people can't do them automatically. "You look tired...you should take a two week vacation." "Oh, I don't mean anywhere international, just down to Florida or something!" People from that background consider things like affording food and rent, and even healthcare and education, as so base line they don't even think about them. The only comparable type of cluelessness, of not even considering that there are environments different from what you grew up in, comes from East Coast people who have never seen a mountain or a wilderness area and so can't comprehend that those things exist.
|
|
#
?
Jul 13, 2017 16:46
|
|
|
https://twitter.com/AP/status/885525669643505664 The Happening
|
|
#
?
Jul 13, 2017 16:46
|
|
|
Boris Galerkin posted:If they don't have a choice then they don't have a choice. The fault isn't on them but against the system in general. They could have chosen to have value to the market and leveraged that into a job with benefits that suit their needs.
|
|
#
?
Jul 13, 2017 16:47
|
|
|
scaterry posted:Can you actually invest with HSAs pre-retirement? I thought the main restriction of an HSA was that it was to be used for medical expenses only. They're capped annually, yes, you can only get disbursements to pay medical expenses, but after age 65 you are free to withdraw any or all of the sum tax'/penalty free. The states purpose of HSA's is to help middle-income people pay for healthcare, but the actual use is as a tax shelter for wealthy people... just like everything else created to help the poor/middle class, honestly.
|
|
#
?
Jul 13, 2017 16:48
|
|
|
Rigel posted:There is nothing wrong with high deductible plans if you can pay the deductible. Sure, I'll pay the first 6 grand, but the insurance company is on the hook for the next infinite, even if the treatment costs millions. Not to mention that the vast majority of plans offered on the individual markets under the ACA are now high deductible plans.
|
|
#
?
Jul 13, 2017 16:48
|
|
|
Xae posted:I wasn't aware only poor people had problems affording healthcare. I have an HSA. I max it every year and invest it. It works very well for me, personally. HSAs are lovely policy, because for people who aren't in my situation (which is most people), they're not a worthwhile option. It would be better to end the ultra-sweetheart tax treatment for HSAs and redirect the money to subsidies.
|
|
#
?
Jul 13, 2017 16:48
|
|
|
Rigel posted:I understand that your rage against HSA's is probably based on the fact that "moderate" republicans might be tempted to go "but HSA's are improved!" as a reason why destroying medicaid is fine. I get that. Bolded the part people are having problems with. The majority of Americans cannot save that much. If said Americans cannot contribute to an HSA, and they're not fortunate enough to have an employer who contributes on their behalf, then we're back at "healthcare is not available".
|
|
#
?
Jul 13, 2017 16:49
|
|
|
glowing-fish posted:Upper Middle Class people often don't literally understand the math of not being Upper Middle Class. They see a lot of things as "default" , and don't understand why other people can't do them automatically. Yeah you can really tell who grew up in upper middle class exurbs and then landed some kind of goony IT job right after college and never had to worry about money.
|
|
#
?
Jul 13, 2017 16:51
|
|
|
HSAs are explicitly another way that rich people who understand investing and or already have a good amount of money funnel more money to be tax free. I have an HSA account of around $ 30-35,000 which is just sitting there making free money.
|
|
#
?
Jul 13, 2017 16:51
|
|
|
HSA's are a small good thing in a lovely system.
|
|
#
?
Jul 13, 2017 16:52
|
|
|
idk why they don't LEAD with a subpoena. Those e-mails indicate a crime. Oh right, republicans. "We didn't need to collude, we won!"
|
|
#
?
Jul 13, 2017 16:53
|
|
|
The problem is people assume HSAs are just like regular insurance with this added function and no drawbacks. HSA regulations prevent things like office visit copays and generic drug copays because those are benefits that would be paid before meeting the deductible. The only thing a HSA can cover before the deductible is preventive services. HSAs are good if you're healthy and either receive monthly contributions in to the HSA from your employer or have excess income you can put in to the HSA to be able to meet your deductible. Since not everyone fits this criteria, an HSA is not a blanket fix to the issue that the Republicans seem to think. Any Republican solution that involves tax advantages is designed for them, not us.
|
|
#
?
Jul 13, 2017 16:53
|
|
|
RisqueBarber posted:HSA's are a small good thing in a lovely system. Yes, but it isn't part of FULL COMMUNISM NOW so it is bad.
|
|
#
?
Jul 13, 2017 16:53
|
|
|
Raerlynn posted:Bolded the part people are having problems with. The majority of Americans cannot save that much. If said Americans cannot contribute to an HSA, and they're not fortunate enough to have an employer who contributes on their behalf, then we're back at "healthcare is not available". Part of the solution is to stop the trillions of dollars spent subsidizing loans for college degrees in Basket Weaving and Eskimo Poetry. STEM Degrees and MBAs should be the only degrees that qualify for subsidized loans. The rest goes into healthcare. The basket weavers and dietician subsidies cost twice as much, because after funding their degree they have to have their healthcare subsidized due to their inability to save.
|
|
#
?
Jul 13, 2017 16:53
|
|
|
ntan1 posted:HSAs are explicitly another way that rich people who understand investing and or already have a good amount of money funnel more money to be tax free. I have an HSA account of around $ 30-35,000 which is just sitting there making free money. It's incredible how much money a decently prosperous American can stack up in all these various tax free stock market savings accounts. Bonus: they can be passed on to your children, too, so that the advantage continues generation after generation. Meanwhile, the poorest Americans need to take out a payday loan if their lovely old car starts belching smoke, because their sole bank account has -$37.82 in it.
|
|
#
?
Jul 13, 2017 16:54
|
|
|
Stairmaster posted:hes both a nationally beloved celebrity and a republican No word on whether or not his wife was the blowjob queen of the wrestling world, though
|
|
#
?
Jul 13, 2017 16:54
|
|
|
Reik posted:The problem is people assume HSAs are just like regular insurance with this added function and no drawbacks. HSA regulations prevent things like office visit copays and generic drug copays because those are benefits that would be paid before meeting the deductible. The only thing a HSA can cover before the deductible is preventive services. HSAs are good if you're healthy and either receive monthly contributions in to the HSA from your employer or have excess income you can put in to the HSA to be able to meet your deductible. Since not everyone fits this criteria, an HSA is not a blanket fix to the issue that the Republicans seem to think. You cant pay copays and have a HDHP. What the gently caress are you talking about?
|
|
#
?
Jul 13, 2017 16:54
|
|
|
Dr. Angela Ziegler posted:No word on whether or not his wife was the blowjob queen of the wrestling world, though He didn't marry Sunny.
|
|
#
?
Jul 13, 2017 16:55
|
|
|
Well to lock down the Rock you'd pretty much have to be.
|
|
#
?
Jul 13, 2017 16:55
|
|
|
Peven Stan posted:Yeah you can really tell who grew up in upper middle class exurbs and then landed some kind of goony IT job right after college and never had to worry about money. This describes me, but 11 dollars/hour doing tech support for IBM sucks and I don't care who knows it.
|
|
#
?
Jul 13, 2017 16:56
|
|
|
Shifty Pony posted:According to the upcoming interactive digital documentary "Far Cry 5" this is very much not the case. Meanwhile in the real world:  Montana's church attendance is similar to the mid-Atlantic. This is a case of people from the East driving 50 miles into the Appalachian Hills, looking around and thinking "The rest of the country must be like this, only even more so". I guess the truth is that because Montana lacks the general social conformity that people in the Eastern US take for granted, that when you do get extremists there, they can be very extreme. But its not like if you were in an Eastern state like Indiana, and everyone you meet at Wal-Mart is going to ask you why you weren't in church that Sunday. Its not a general part of social life like it is in the East.
|
|
#
?
Jul 13, 2017 16:57
|
|
|
Raerlynn posted:Bolded the part people are having problems with. The majority of Americans cannot save that much. If said Americans cannot contribute to an HSA, and they're not fortunate enough to have an employer who contributes on their behalf, then we're back at "healthcare is not available". No poo poo, I never said it was a viable option for anyone making under 50k. In fact I specifically said it wasn't. Republicans should not be allowed to get away with saying "but HSA's" as an excuse for loving poor people, but that does not mean HSA's are bad or a tax break for the rich, because they aren't.
|
|
#
?
Jul 13, 2017 16:57
|
|
|
Now Mr Trump, you met with a high ranking member of the Russian government to potentially get damaging information on Hillary Clinton's 33,000 deleted emails. This is deeply troubling and a lot of people are asking the question, and I would like you to be truthful here, what was so incriminating about Hillary Clinton's emails that the "crown prosecutor of Russia" though the American people ought to know?
|
|
#
?
Jul 13, 2017 16:57
|
|
|
|
| # ? Jun 10, 2024 08:44 |
|
|
F_Shit_Fitzgerald posted:This is interesting. Could you elaborate? I have little interest in the WWE and know very little about it, but I've been mentoring a friend this summer who has brought over Wrestlemania DVDs to watch. I'm not as much of a wrestling historian as some other folks, but if you look at the big story-lines you see patterns. The Daniel Bryan story-line for instance: here is this long-haired mother-fucker feuding with bad guys that you know are stand-ins for the elite, the 1%, the man, etc. How do you know that is who they are, because they are called The Authority. So D-Bry demands a shot at HHH at Wrestlemania XXX, he and the fans refuse to leave the ring until he gets it. Of note, D-Bry's speech hits on HHH, the heel, for being corporate and for not "listening" to the fans, which of course sets up the fans as the 99%. Anyway, long story short, D-Bry gets his hits shot and beats HHH, gets inserted in the title match later that night, HHH attacks him and stacks the odds against him and D-Bry wins anyway. So we get this metaphorical victory for the 99% against the 1%. Another story-line, off the top of my head, sees the face stable "The Union" go up against a heel stable named "The Corporation." Now, the Corporation wins that one, but the point is the bad guys are corporate figures. You also have, off the top of my head, you have what is probably the greatest wrestling promo ever, Dusty Rhodes' Hard Times. It's 1985, and the promo is just Rhodes talking about deindustrialization. A couple years ago you also recently Jack Swagger wrestling as a patriotic Fox News watching American. His tag team was "The Real Americans" and at one point they had a real world fued with Glenn Beck because Beck say them as a conspiracy to demonize the Tea Party. Other people that know more wrestling history could probably fill in other story-lines. But, you also get weird racist poo poo where you have heels that only heels because they are foreigners. Hell, The Shining Stars were heels just because they were trying to sell everyone on how awesome Puerto Rico is. How was that?
|
|
#
?
Jul 13, 2017 16:58
|
|
