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ocrenter
Participant[quote=La Jolla Renter]bearishgirl,
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.[/quote]
if you have an issue with your skin, snap a picture with good resolution and e-mail to your Kaiser primary. If he or she isn’t sure about the rash, they can message the dermatologist to look at your photo. The dermatologist can directly book you if they feel the rash is worth a look in person, or offer treatment recommendations.
no need to go in just for a rash, that’s silly.
Participant[quote=AN]Back to the Model 3, I don’t understand why you would say the owner of a Model 3 would be immune to fuel costs. Have you checked your SDG&E bill lately? If you don’t have solar, I wouldn’t say you’re immune to fuel costs.
I would say autonomous cars would affect the commute more than an EV. With autonomous car, you can actually work while you’re “commuting”. Then, essentially, you’re no longer “commuting”, since you can start working as soon as you get into the car.
As for road noise, I think tire noise is much louder than the noise the engine make at ~2k RPM driving down the freeway. So, I don’t think EV would make that big of a difference.
You also have to keep in mind that EV today is only viable for a small group of people. It’s not suitable for 18-wheelers, worker trucks, poor people, people who live in older areas in a condo/apartment, etc. I think EV has a long long way to go to be suitable to replace majority of vehicles on the road. Unless there’s a breakthrough that would drastically decrease the cost of producing batteries and drastically increase the density of the battery and drastically reduce the charge time of the battery (20-30 min down to 2-3 minutes).[/quote]
I do agree there are still limitations and much needed progress is still necessary to bring the technology to the broader public.
However, with TOU rates, the charging can be exceptionally affordable. And certainly used LEAFs out there are dirt cheap to afford.
Assuming a 30 mile each way commute, that translates to 1200 miles per month, or $100 gas bill at 30 mile/gal and $2.5 per gal.
Even without solar, TOU rates at night are at 18 cents per kwh. at 4 miles per kwh, that 1200 miles would yield a cost of $54.
And this comparison is with gasoline at its lowest cost in some time.
If we are looking at folks with solar like you and I, it becomes an absolute no-brainer. I just had my yearly SDGE bill coming in. $150 for my yearly electric bill when my electric bill was previously $1800 and my gasoline bill was previously $2200. So essentially $4000 bill reduced to $150 after spending $10k for the solar panels. Which means a ROI rate of less than 3 years.
Participant[quote=La Jolla Renter]Personally, 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.[/quote]
Agree, DNA data would be a game changer.
so if 80% of the world suck, I think again that calls for the elimination of the human species in favor of AI and mechanical beings.
Participanta better question would be “do we need people”.
ultimately AI will prove to be superior to human beings in all aspects. And a mechanical body with infinitely exchangeable and upgradeable parts will be superior to biologic based, age limited body.
Do we want to go there is the question…
ParticipantSo if interest rate remains low, and the stock market is not doing well, and the RE market is peaking out, where are people parking their savings?
ParticipantReminds me of the Philippines back in the 80’s, security guard with an AK 47 in front of every store front.
ParticipantSmog check? What is that? 😉
Participant[quote=cvmom]This thread is so depressing. Hard to believe that this is 2015 and we have apparently not progressed beyond naked prejudice. What’s next–internment camps like the Japanese-Americans during WW2?
And with a major political party’s front runner saying similar things, it validates all those who have this kind of thoughts but before this have been too embarrassed to share them.
The worst thing is that this kind of attitude plays right into the hands of the terrorists and fuels extremism, making future tragedies more likely.[/quote]
This kind of intolerance is actually very much an American tradition if we look back and really examine our history. We just like to ignore our intolerant streak so we feel better about ourselves.
Participant[quote=flu][quote=yuhtey][quote=flu][quote=yuhtey]flu, you’re main issue is that you are equating CV to a porcshe GT4[/quote]
Your issue is you can’t accept the fact that pricing in Carmel valley for a good home is pretty close to a gt4. Anyway, have fun renting.[/quote]
renting has been very good to us, after we sold our last property while we have been gauging neighborhoods. it has provided an excellent window into life in CV without the commitment – and it gives us an edge over other buyers who are contingent on selling their own property prior to closing escrow.[/quote]
And like I said. Have fun renting. There’s nothing wrong with it. If you really don’t know where you want to live.[/quote]
Second that, absolutely nothing wrong with renting at all.
That is as long as such renter is not bitter about it. Unfortunately that does seem to be the case for the OP.
Participant[quote=AN]Why shouldn’t they make it this difficult to get a gun?
But I feel like this is a false analogy. Especially if you believe life start at conception. If you believe abortion is killing babies, then more babies were murdered than all of these terrorist attacks combined.
Since one side want to ban guns and the other side want to ban abortion, should we ban both? I wonder how they would vote if a bill like that comes to the floor.[/quote]
as much as I am pro-choice, I would totally go for banning abortion and gun if that’s the price to get this done.
Participant[quote=moneymaker]So buying a gun is like going on a date. Buying a bullet is like taking a drink. Just like there are alcoholics I think there are people that just can’t have enough guns and ammo on hand. Moderation is the key![/quote]
We don’t need to go down to path of pit bulls and so on.
Just saying if there’s a political will, measures to restrict a particular activity are very much possible.
Participant[quote=AN][quote=flyer]Just a question out of curiosity, and not at all meant to be rude–but with all of the discussion on this thread about Asian households, priorities, saving “face,” etc., I was just wondering what happens in said households if, after all of the planning, sacrifice, etc., etc, the kids end up not measuring up to the familial expectations?
What happens if they can’t get into their chosen college, or land their chosen position, or, you name it–are they ostracized forever?
I think most of us have extremely high aspirations for ourselves and our children, but we also realize things don’t always go as planned, and I hope, for the kids sake, everyone realizes that.[/quote]
If you want a crash course, watch “fresh off the boat” :-D.[/quote]Oh boy, couldn’t sit through even the first episode, cringing the whole time.
Then they had little Eddie go to school with a Chinese flag when he is Taiwanese. Huge political land mine they should have known better about… Yikes.
Participant[quote=flyer]Just a question out of curiosity, and not at all meant to be rude–but with all of the discussion on this thread about Asian households, priorities, saving “face,” etc., I was just wondering what happens in said households if, after all of the planning, sacrifice, etc., etc, the kids end up not measuring up to the familial expectations?
What happens if they can’t get into their chosen college, or land their chosen position, or, you name it–are they ostracized forever?
I think most of us have extremely high aspirations for ourselves and our children, but we also realize things don’t always go as planned, and I hope, for the kids sake, everyone realizes that.[/quote]
a lot are ostracized forever. the number of excommunicated 2nd generation Asian children are huge. all of this is brushed under the rug to save face.
Participant[quote=njtosd][quote=yuhtey][quote=njtosd]
Flu will be pleased. One less potential CV buyer. And just for the record – the average CV home price is about $950k. You just can’t take being average – you need a gorgeous place on a huge lot. Boo hoo..[/quote]
you sir, have me PEGGED. you must be from new jersey.[/quote]
Ha – you don’t have me PEGGED. I’m not a “sir” and we moved from CV to NJ for 4 yrs and then moved back to CV. I picked my screen name during the moving process. Nice try, though.[/quote]
well, for what it’s worth, the OP pegged me as a realtor. LOL!
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