Forum Replies Created
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La Jolla Renter
ParticipantI ditched my fax machine a year a go. My faxes come strait to my email via voip (ring central). I have a scan snap ix500 on my desk. It scans, saves to hard drive and emails out simultaneously. Amazing how fast it scans. Best $400 I have spent in a long time.
Way better system than a fax machine, even if the phone line for the fax is free.
ParticipantI was getting telemarketing calls in the middle of the night on my cell phone, which piss me off 100x more than during the day. Then I finally learned how to turn on do not disturb on my iphone between 10pm and 6am.
The beauty is it lets callers through on a second attempt. So in the case of an emergency, someone trying to reach you will obviously try you back when they get your VM. What a great feature.
Has anyone else noticed a distinct reduction in text spam ads. Seems they really dropped off for me 6 or so months ago.
ParticipantI pretty much put myself in the I hate lawyers camp.
The good ones I know and a few others I call good friends even hate lawyers. They claim the legal system is broken and completely dysfunctional.
The best advice I ever got from a lawyer/friend was don’t ever ever ever rent to or sell a house to a lawyer. Unfortunately, after hearing this rule many times for 10+ years, I violated it once, and it was a very costly mistake.
ParticipantSure it will increase in value, but I don’t see it being a great place to live in 20 years. IMO, it will always be the least desirable coastal community in San Diego Co, and maybe even in Socal.
I agree with pollution being a big problem, and don’t see it being better in 20 years.
Don’t know the market down there, but if your 10 blocks off the beach or more, aren’t you paying the same as you would pay in Clairemont for a 1200 sqft SFR.
Not that I’m a fan of Clairemont, but I think it has a bigger upside in 20 years.
Participant[quote=no_such_reality] What’s your out of pocket max?[/quote]This is the $64M question, here.[/quote]
My Plan is a Grandfathered old PPO Share Plan. The out of pocket max is $8,850 for both in and out of network. 40 copay office visit, 10 generic prescription, 35 brand name with a 575 deductible.
I called today to see if I could raise the deductible. I can raise it from 2,950 to 8,850 and go from 840 a month to 518 a month. Max out of pocket 8,850.
I asked if this qualified as a HSA plan and the guy said it should, to check with a bank. ???
fyi, I am 50. perfect health. (knock on wood)
Participantbearishgirl,
I looked at my policy online. Looks like I have a $40 copay, and 70% in network and 50% out of network for most items.
My wife and kid’s grandfathered kaiser plan is 600 something a month. I looked into getting on her plan but it wouldn’t save me much. I think we are happy with the care at Kaiser for my son, and she is happy personally, but I hate the idea you have to go see your primary to go see a dermatologist etc.
It just seems that there is a better strategy out there. For example, maybe get the highest possible HSA detectable plan, join a concierge doctor group, get an executive physical over at sharp every other year ($2,500), see the specialists you want and negotiate cash rates. Obviously, the above is not cheap. I’m okay with spending $750 a month, but I want something for my money.
Right now, I’m spending 10k a year in premiums for myself and I can’t get into an urgent care.
I learned years ago that it was cheaper to negotiate cash for an mri on my knee, than go through my insurance.
They average family was suppose to save money on Obama care. What happened? Doctors, insurance companies, and hospitals are all crying they aren’t making any money.
Who is making all the money??? I think the industry could use some transparency.
ParticipantI probably got something in the mail and didn’t pay a lot of attention to it.
ParticipantI had one covering a big window in the past. They work great because they block the sun before coming through the window.
Make sure the installer you use maps out exactly how they are going to get power to the units. I’m not a fan of contractors showing up and beating holes in stucco and drywall.
I prewired 4 windows on my recent remodel so I could install them this summer or next if I find I really need them.
ParticipantThese students are what our top universities are producing?
I’m not sure even Bernie wants to claim these sad little participation trophy millennials.
ParticipantPersonally, I would take my chances with a good algorithm that has my lifetime history of blood panels, medical history, family history, dna, etc.
No way a primary care doctor is going to beat the algorithm. But sure would like a good one that likes studying the algorithm with me.
I found out years ago that I could order blood work online myself and get a more extensive test than my doctor orders. A better test for the same price at the same lab. I get the results emailed to me, study it, then go see my doctors for an annual check up. It does not go through my insurance, and I pay less.
Another reason I like the algorithm is that I have learned in life that 80% of all workers in their respected professions are mediocre or suck. Plumbers, mechanics, personal trainers, dentist, doctors, etc. (The only exception to this rule is politicians, where 99.9999% of them suck.)
I don’t think we need less doctors, just less sucky ones.
Participant[quote=joec]
What I and some others have mentioned on news outlets I’ve seen is why does Hillary have this insane need to grab so much money? She doesn’t really need it as much now and it makes her look like she is continuous bought.[/quote]For the life of me, I can’t figure out why this does not bother the left even the slightest. She is 100% bought. Corporate America is not paying the Clinton’s a couple hundred million dollars because they give good speeches. It is hard to claim your a servant to the people from your $50k a week Hampton vacation rental. etc. etc. etc.
But back to the question at hand… and to stay on par with this vaudeville election.
Michelle Obama.
Participant[quote=SK in CV][quote=livinincali][quote=SK in CV]
Certainly, if he really wants more of a “socialist federally controlled country” and hates aspects of the constitution, he would have proposed legislation that supports those views. He hasn’t.
[/quote]Of course he has. He produced a variety of gun measures that run counter to the 2nd amendment. You may find those proposals well intentioned and they may be viewed favorably to the majority of the population, but they they should be considered an attack on the second amendment. Especially to the conservative right, which is the group accusing him of hating America.
He proposed Obamacare with a single payer option that didn’t materialize in the final law but that would have certainly brought the country closer to socialist federal controller republic. You may support that outcome but it doesn’t change what the result means. It means we become more socialistic and less capitalistic.
[/quote]
If he’d actually produced a series of gun measures that run counter to the 2nd amendment, they’d be out there somewhere. He hasn’t. They aren’t. This is an example of the vicious lies that have been spread by his opponents. He doesn’t oppose the constitution. He doesn’t hate America. He isn’t Muslim. He wasn’t born in Kenya.
He did not propose Obamacare “with a single payer option that didn’t materialize”. There was no version of the law that included single-payer. And if there had been a proposal like that, it probably would have been similar to medicare. Medicare is not socialized medicine. Despite actual facts, these lies were spread by his opponents, even on this very site. Hundreds of lies about what was in the law. That you, a reasonably well read guy, thinks this shit really happened, is telling. No other president in modern times, has been a victim of this visceral hate that knows no bounds.[/quote]
What about the biggest Obama care lie of all…
“I will sign a universal health care bill into law by the end of my first term as president that will cover every American and cut the cost of a typical family’s premium by up to $2,500 a year.”
I have seen nothing but increases of my individual plan.
ParticipantJust saw this in a email feed. Great read.
...the over 75 million “mainlining” Costco members (and growing at a high single digit percentage rate annually), with an average annual income of $100,000, paying a $55 annual membership fee (or $110 for an executive level membership). Three million members a day enter Costco’s stores to get their fix.
Yes, you read those numbers right. In today’s over-stored and over-stuffed retail environment, the equivalent of almost one-fifth of the U.S. population is paying for the privilege to shop at a particular store. And this is not a one-off, let’s-see-what-it’s-like kind of visit. The renewal rate is a whopping 90 percent each year. I guess that captures the power of an addict’s behavior.
Not only is 80 percent of Costco’s gross margin and 70 percent of its operating income derived from its Costcoholics’ membership fees, Costco collects most of its profits 12 months in advance, not at the eleventh hour of the fiscal year like most other retailers.
ParticipantChris Christie endorses Donald Trump for Republican party nomination.
Any sliver of hope Rubio thought he picked up in the debate last night, just got erased.
Like him or not, Trump sure knows how to play the game.
http://www.nj.com/politics/index.ssf/2016/02/christie_endorses_donald_trump.html
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