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CelestialScribe fucked around with this message at 03:52 on May 28, 2020 |
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Feb 8, 2020 06:15
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You really do pick the strangest hills on which to die.
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Feb 8, 2020 06:41
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Nam Taf posted:You really do pick the strangest hills on which to die. This thread makes his anti-Bernie posting in the Dem Primary thread make a bunch more sense. loving 200k income and worried about going bankrupt. Let me break out the world's smallest violin.
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Feb 9, 2020 18:05
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Edit: Deleted.
CelestialScribe fucked around with this message at 03:52 on May 28, 2020 |
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Feb 9, 2020 20:41
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CelestialScribe posted:You seem to be unaware of how medical bankruptcies in the United States work. You're going to be making enough that you'll have the really good insurance that will ensure that can't happen. You're in the top 3%, America is literally built for people like you, you're never going to have to worry about anything in your life if you have even a little financial savvy.
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Feb 9, 2020 23:00
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CelestialScribe fucked around with this message at 03:52 on May 28, 2020 |
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Feb 9, 2020 23:03
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CelestialScribe posted:Even if you have medical insurance, all it takes is for you to have an emergency surgery with a doctor or surgeon who is out of network. Bam, easily $200,000 or $300,000 in debt, not covered by your insurance. Not to mention if your insurance decides to just not cover you for the length of that hospital stay (which I shouldn't have to tell you, happens all the loving time). Okay, in that case, I hope you're doing everything in your power to get Bernie Sanders elected President so we can get Medicare For All and then you won't have to worry about the incredibly rare chance your rich rear end goes bankrupt. E: VVV You appear to be overly worried about minor risks to an unhealthy degree. 
WampaLord fucked around with this message at 23:12 on Feb 9, 2020 |
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Feb 9, 2020 23:07
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CelestialScribe fucked around with this message at 03:52 on May 28, 2020 |
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Feb 9, 2020 23:09
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CelestialScribe fucked around with this message at 03:52 on May 28, 2020 |
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Feb 9, 2020 23:14
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WampaLord posted:You appear to be overly worried about minor risks to an unhealthy degree. this is what makes this thread fascinating to me. op and i have wildly different risk assessment processes i guess?
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Feb 9, 2020 23:48
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CelestialScribe posted:Even if you have medical insurance, all it takes is for you to have an emergency surgery with a doctor or surgeon who is out of network. Bam, easily $200,000 or $300,000 in debt, not covered by your insurance. Not to mention if your insurance decides to just not cover you for the length of that hospital stay (which I shouldn't have to tell you, happens all the loving time). It looks like in your example the guy paid a lawyer 4 thousand bucks and they made it go away. That's a problem for a poor person, who doesn't have 4 thousand bucks lying around. As you noted, you won't have that issue. Edit: I mean, to be generous, let me assume you view the USA as a hellish Mad Max wasteland. This isn't entirely accurate. Our medical system isn't designed to rob you blind, it's designed to oppress the poor. There's a significant difference. That's why Mr. Stockman, 62 year old retired stockbroker with a 25 year old wife, ultimately is inconvenienced but pays 4 thousand dollars to resolve his issues. The Wall Street Journal covers this not because they are interested in fixing the system, but because it is scandalous that even rich people can be inconvenienced by the system (the actual problem). litany of gulps fucked around with this message at 03:22 on Feb 11, 2020 |
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Feb 11, 2020 02:34
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Edit: Deleted.
CelestialScribe fucked around with this message at 03:52 on May 28, 2020 |
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Feb 11, 2020 05:48
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CelestialScribe posted:I already posted in this thread a study that found cancer patients go bankrupt. Again, you seem to underestimate how easy it is to get saddled with an $800,000 medical bill for something that is out of network. Yeah, "More than 42 percent of the 9.5 million people diagnosed with cancer from 2000 to 2012 drained their life's assets within two years, according to a study published last year in the American Journal of Medicine. Cancer patients are 2.65 times more likely to file for bankruptcy than those without cancer, and bankruptcy puts them at a higher risk for early death, according to research." Most Americans have no assets. The fact that only a minority of them end up bankrupt despite 80% of Americans living paycheck to paycheck ought to tell you something. To fill in the blanks - what it ought to tell you is that the system preys on the vulnerable. If you are even vaguely middle class, you can probably fight back against predatory medical practices. Again, the American system is not intended to extract wealth from the privileged. It is designed to oppress the weak. litany of gulps fucked around with this message at 06:14 on Feb 11, 2020 |
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Feb 11, 2020 06:11
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CelestialScribe posted:I already posted in this thread a study that found cancer patients go bankrupt. Again, you seem to underestimate how easy it is to get saddled with an $800,000 medical bill for something that is out of network. You really, really have no idea what the distribution of wealth is like in the US, do you? The median us household with a head of house younger than 55, has a net worth of less than $100k and brings home about a third of your suggested compensation. $200k a year is the 96th percentile of all wage-earners in the US. High Deductible Health Plans, which are what jobs of the sort you're looking at provide, have a maximum yearly out of pocket for in-network care of $13800 for a family, and you would have to intentionally try to get all of your services for something like cancer treatment to be out of network. They also come with tax-advantaged Health Savings Accounts which you can put $7100 a year of pre-tax money into. You are more likely to die of spontaneous genital combustion than bankrupt yourself on reasonable medical care while making $200k a year in the US.
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Feb 11, 2020 07:27
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CelestialScribe fucked around with this message at 03:52 on May 28, 2020 |
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Feb 11, 2020 11:07
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Australians aren't used to measuring our health and welfare based on our ability to sue our insurers and health providers, it takes some getting used to.
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Feb 11, 2020 13:18
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i don't think anyone is advocating for the american health care system and the Australian one is certainly better for society as a whole. however the American system has been set up for 10%-ers such as the OP so it is vanishingly unlikely that he will experience any of the extreme and all too common cases that make the news. it will be a pain to find a pcp and do all of that poo poo but it's just annoying, not fatal.
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Feb 11, 2020 13:35
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CelestialScribe posted:Is everyone in this thread so naive to believe that insurance companies don’t deny customers treatment coverage on a daily basis, even with good plans? Out of pocket maximums don’t apply in that situation.
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Feb 11, 2020 15:07
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I love this thread  Next let's talk about
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Feb 11, 2020 17:55
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op is australian and presumably white so he will be right at home
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Feb 11, 2020 19:05
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OP you appear to be panicking because it is impossible to remove all risk from life. I honestly and sincerely think you should use some of that $200,000 to pay a therapist to talk these fears over with, maybe a trained professional can help you realize you're being extremely irrational because you clearly aren't going to accept it when it's just "internet people" telling you that.My Rhythmic Crotch posted:I love this thread It's an amazing insight into what people with a shitload of money worry about. Turns out, completely irrational things since they correctly realize they have nothing rational to worry about because money solves most rational problems.
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Feb 11, 2020 19:06
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CelestialScribe posted:Is everyone in this thread so naive to believe that insurance companies don’t deny customers treatment coverage on a daily basis, even with good plans? Out of pocket maximums don’t apply in that situation. At which point you, someone making a top 10% of all humans alive today salary, have zero concerns. You can literally refuse treatment and fly your rear end back to Australia if you're that worried about it. 200 grand a year is Ninety Six Goddamn US Dollars Per hour. A first-class flight from Seattle to Sydney on zero notice is under $2k, which is less than half of what you will be making in a week. Liquid Communism fucked around with this message at 11:01 on Feb 12, 2020 |
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Feb 12, 2020 10:58
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Liquid Communism posted:A first-class flight from Seattle to Sydney on zero notice is under $2k, which is less than half of what you will be making in a week. uhhh more like ~$6-10K. still obviously doable but let's not get too carried away.
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Feb 12, 2020 12:34
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Liquid Communism posted:At which point you, someone making a top 10% of all humans alive today salary, have zero concerns. Enough about
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Feb 12, 2020 13:38
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CelestialScribe fucked around with this message at 03:52 on May 28, 2020 |
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Feb 13, 2020 00:33
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KYOON GRIFFEY JR posted:uhhh more like ~$6-10K. still obviously doable but let's not get too carried away. I pulled that figure live off travelocity when I was posting. Need to go tonight?  One-way of course, as bozo there will need to hang out for a few months to get his sudden bout of Out-Of-Network rear end cancer treated, as he is irrationally terrified that he will somehow be unable to find an in-network provider and thus be forced into penury while working in a major metro and making more money than the vast majority of human beings who have ever lived.
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Feb 13, 2020 01:12
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i ran an RT and also only 1 layover because gently caress that, but you're right that he only needs to go one way!CelestialScribe posted:...that's literally what I've been saying. crucially, you don't need a house that you own to do this
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Feb 13, 2020 01:49
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CelestialScribe fucked around with this message at 03:52 on May 28, 2020 |
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Feb 13, 2020 02:02
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CelestialScribe posted:Have you never met someone whose insurance provider has refused in-network treatment? Sure have. It's only a problem for those who are also living paycheck to paycheck. I suppose you could have an unexpectedly serious cocaine habit to burn through three or four grand a week?
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Feb 13, 2020 02:45
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CelestialScribe fucked around with this message at 03:52 on May 28, 2020 |
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Feb 13, 2020 02:49
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CelestialScribe posted:I don't know if you know this, but even at $200,000 a year, a $1 million + medical debt can be something of a burden! Is someone likely to hold a gun to your head and prevent you from seeking an in-network care provider for a disease with a treatment plan that is weeks or months long? Or are you planning to need a full-body transplant performed within six hours in a cave somewhere in the Nevada desert where there is no other option? You are wildly overestimating risk. You are more likely to be guillotined by a socialist Revolution than have a million dollars in medical debt.
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Feb 13, 2020 03:55
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CelestialScribe posted:I don't know if you know this, but even at $200,000 a year, a $1 million + medical debt can be something of a burden! You have conveniently ignored the fact that even your own scare article mentioned that the million dollar debt was dismissed after four thousand dollars paid to a lawyer to resolve the problem. Fun Edit Challenge: Can you find an example of a person having to actually pay scare article levels of money for medical debt? I'll bet you can't! Because that's not a thing! litany of gulps fucked around with this message at 04:52 on Feb 13, 2020 |
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Feb 13, 2020 04:49
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I mean gently caress it, declare bankruptcy. What are they going to do, take your house in Australia?
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Feb 13, 2020 06:01
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If I estimated risk like the OP, I’d be fired from my job. Which is to literally ensure things are safe.
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Feb 13, 2020 07:32
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The bizarre and hosed up medical system is a major concern for even well paid techies. I work in Germany for Google, and one of the major reasons why Europeans I've worked with are often disinterested in transferring stateside is health care, CelestialScribe is very far from an outlier in terms of his concern here, and it's pretty funny to see people try to argue from the left that he's overestimating how much of a problem it is. It's obviously much less of a problem if you're paid very well, but disasters can still absolutely happen and it's very normal for people to worry about that, just like my wife worrying about school shootings if/when we move back to the US even though statistically this is incredibly unlikely.
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Feb 13, 2020 17:48
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Cicero posted:The bizarre and hosed up medical system is a major concern for even well paid techies. I work in Germany for Google, and one of the major reasons why Europeans I've worked with are often disinterested in transferring stateside is health care, CelestialScribe is very far from an outlier in terms of his concern here, and it's pretty funny to see people try to argue from the left that he's overestimating how much of a problem it is. It's obviously much less of a problem if you're paid very well, but disasters can still absolutely happen and it's very normal for people to worry about that, just like my wife worrying about school shootings if/when we move back to the US even though statistically this is incredibly unlikely. Okay, but do you and your wife spend your time melting down online about the risk of school shootings or is it just a passive worry at the back of your mind, like most of us have about various fears we realize are unlikely to happen? That is the difference between a sensible person and the OP. He has been reassured over and over that his fears are overblown. Even you agree on this, despite wanting to defend him out of class solidarity reasons.
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Feb 13, 2020 18:09
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OP has a kid with autism so caring about medical expenses does make sense. Worrying about bankruptcy is dumb though. That being said, there are definitely health plans in the US that have out of pocket maximums even for out of network providers, so find out if potential employers have one of those. Also sell your cashflow negative house. 400% growth in 25 years, well ahead of inflation and wage growth, is not a reason for housing to keep appreciating in Australia. Where's the extra money coming from, and is that likely to keep coming? If you can't say for sure, don't invest in that asset.
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Feb 13, 2020 19:15
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CelestialScribe fucked around with this message at 03:52 on May 28, 2020 |
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Feb 13, 2020 20:12
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CelestialScribe fucked around with this message at 03:52 on May 28, 2020 |
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Feb 13, 2020 22:05
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CelestialScribe posted:Just regarding the house, it's actually cashflow positive - by a lot, actually. I definitely over-estimate risk so I was under-estimating how much rent I can get for it. The rent would cover any and all expenses, and then some. But I'll probably end up selling it anyway. Based on similar sales I can pull about $130,000 after a sale, post-cost, which is about $87,000 USD. out of curiosity what changed from your previous intransigent position that living in America and owning property in Australia as An Investment was a phenomenal idea
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Feb 14, 2020 01:14
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