Napa Lite 3,279 Posted August 20, 2014 Share Posted August 20, 2014 Sure, now you're all fvckin dental insurance experts. I'm going to first try and get them to resubmit it as it needed to be done because there was a giant hole in the side of my tooth and not because it might crack in the future. If that doesn't work I'm going to ask them to just waive it all because this is a pretty big f' up on their part. Then I'll try to get them to waive all labor costs and any markup on materials. Then I'll see if they'll let me make payments because I'm not cutting them a check for the full amount. Link to post Share on other sites
SuitedAces21 2,723 Posted August 20, 2014 Share Posted August 20, 2014 you pay them nothing and refer them to me if they have questions. i'll lawyer the fvck out of this thing. 2 Link to post Share on other sites
InternetExplorer 2,609 Posted August 20, 2014 Share Posted August 20, 2014 I don't think dental insurance through an employer is a bad deal because it is tax advantaged and uses bargaining power to get better rates out of dentists. I would do it if I didn't have a bunch of other lower hanging fruit to address with excess income. my HSA contributions are pre-tax and have a 50% match... so it's like getting my cleanings at a 60%+ discount. HSAs are just a monster deal. no FICA or social security deducted, can be invested, and anything left over at 65 can be withdrawn without penalty (just pay income tax). it's seriously just an IRA if you are a relatively healthy person. 1 Link to post Share on other sites
Tiltinagain 973 Posted August 20, 2014 Share Posted August 20, 2014 Dental insurance is cheap and shitty for the same reason brakes aren't covered under your car warranty. Cuz dem shits it gonna wear down and need fixin, guaranteeeeeed Unless you're Strat of course Correct. But I haven't even been able to find dental with decent annual coverage, again, considering how expensive it is. Yes it's cheap, relatively speaking, but it doesn't cover shit so it should be cheap. Link to post Share on other sites
Tiltinagain 973 Posted August 20, 2014 Share Posted August 20, 2014 I don't think dental insurance through an employer is a bad deal because it is tax advantaged and uses bargaining power to get better rates out of dentists. I would do it if I didn't have a bunch of other lower hanging fruit to address with excess income. my HSA contributions are pre-tax and have a 50% match... so it's like getting my cleanings at a 60%+ discount. HSAs are just a monster deal. no FICA or social security deducted, can be invested, and anything left over at 65 can be withdrawn without penalty (just pay income tax). it's seriously just an IRA if you are a relatively healthy person. So, what is the other thing where you put money in all year but if you don't use everything in the account you lose it? Because I've seen those too. Oh....flexible spending accounts maybe? I don't know. Link to post Share on other sites
InternetExplorer 2,609 Posted August 20, 2014 Share Posted August 20, 2014 ya, FSA. I have no experience with those, they sound terrible. there is just something awesome about being able to build up a monster HSA balance that has an expected return approaching your typical $5k annual deductible. if I did the max and never touched it for 20 years, got the 7-8%/year return, I'm pretty sure I'd be there. Link to post Share on other sites
InternetExplorer 2,609 Posted August 20, 2014 Share Posted August 20, 2014 I think term life is great when used properly. I have seen advisors using over funded life policies to dodge a disgusting amount of taxes for high net worth people. I'm not sure if that's an industry term, but it's basically paying in huge premiums over several years, investing the cash value, then taking distributions tax-free. suck it, uncle sam. this strategy literally dodged like $2 million in one of the plans I saw. Link to post Share on other sites
brvheart 1,757 Posted August 20, 2014 Share Posted August 20, 2014 I don't think dental insurance through an employer is a bad deal because it is tax advantaged and uses bargaining power to get better rates out of dentists. I would do it if I didn't have a bunch of other lower hanging fruit to address with excess income. my HSA contributions are pre-tax and have a 50% match... so it's like getting my cleanings at a 60%+ discount. HSAs are just a monster deal. no FICA or social security deducted, can be invested, and anything left over at 65 can be withdrawn without penalty (just pay income tax). it's seriously just an IRA if you are a relatively healthy person. A good HSA is invaluable. A bad one is ****ing terrible. I had a hybrid FSA/HSA once where every expense ha to be approved by the insurance company. If they didn't think it was worthy , they wouldn't let you spend your own money on it. I'm talking like elective knee surgery or something. They would just say no, as there was nothing you could do about it. If you didn't spend all the money you saved in a calendar year, they would keep all but 500, which they would allow you to carry over. That shit has to be illegal. Reminds me of "Great Benefit" from the rainmaker. 2 Link to post Share on other sites
InternetExplorer 2,609 Posted August 20, 2014 Share Posted August 20, 2014 I bought SILC a few days ago. I wanted it in my IRA, but the secretary handling my accounts just sat on the paperwork and didn't respond until it had rallied a bit from the 52 week low. so I have less of it than I wanted, at a worse price, in a brokerage. oh well, it did me the kindness of immediately rallying, I guess I shouldn't complain. Link to post Share on other sites
Napa Lite 3,279 Posted August 20, 2014 Share Posted August 20, 2014 I looked into a HSA when my company first started offering them and determined regular insurance was the better deal for myself. At least on a year to year basis. I'm not smart enough to figure out if it is in the long term for retirement purposes. I do have a flex account though. Saves me some money on taxes. Link to post Share on other sites
brvheart 1,757 Posted August 20, 2014 Share Posted August 20, 2014 I think term life is great. I have a million on me and 500k on the wife and pay 91 bucks a month. Can't beat that, for the security it brings. Link to post Share on other sites
brvheart 1,757 Posted August 20, 2014 Share Posted August 20, 2014 I looked into a HSA when my company first started offering them and determined regular insurance was the better deal for myself. At least on a year to year basis. I'm not smart enough to figure out if it is in the long term for retirement purposes. I do have a flex account though. Saves me some money on taxes. You really should look into it again. Like Strat said, you can make a killing on them. Look closely at maintenance fees/minimum balances, etc. Check for a match. Look at interest rates they pay you. See your investment options. (Beware if they dot give you total control) Make sure it's not a spend it or lose it deal, and you're golden. Best HSA I ever had let me invest it myself, and gave me a debt card that I could use for any "medical" expense I deemed necessary, including over the counter medicine at Wal-Mart. Link to post Share on other sites
Napa Lite 3,279 Posted August 20, 2014 Share Posted August 20, 2014 My meds are like $500/month without insurance. Not to mention doctors visits. And that's if I don't get sick or injured from anything else. Link to post Share on other sites
Tiltinagain 973 Posted August 20, 2014 Share Posted August 20, 2014 Oh, holy hell. Then, yeah, you need to be in the FSA, in addition to the best health plan they offer. I'd look into the HSA too though. Link to post Share on other sites
InternetExplorer 2,609 Posted August 20, 2014 Share Posted August 20, 2014 mine has a monthly $3 fee and an additional $2/mo to invest. oh, and it doesn't pay interest. it's awful but my company has a really nice match ($100/mo) and I don't have a choice. I can invest in anything I want, and get the debit card, so it's not a total blowout. I did the math, I'd need like $2700 to be able to maintain the minimum cash balance and aggressively invest the rest to recoup the fees and inflation. so I'll be in good shape in like, 9 months. 1 Link to post Share on other sites
InternetExplorer 2,609 Posted August 20, 2014 Share Posted August 20, 2014 I think term life is great. I have a million on me and 500k on the wife and pay 91 bucks a month. Can't beat that, for the security it brings. yeah, exactly. 45 years old, standard rating, 20 year term, $1 million, usually works out to like $1000-1200/year, with AIG being the most competitive. it's crazy. Link to post Share on other sites
AmScray 355 Posted August 20, 2014 Share Posted August 20, 2014 I can get a 'sexy maid' to clean my house naked for $150 and give me a handie when she's done for an extra $50. . 3 times a week, that's only $7200 a year. Seems like a better deal than insuring the life of a housewife when the liability column contains half your shit. How do you even calculate your ev on a life insurance payoff for a wife? Hourly units of future whores? 1 Link to post Share on other sites
Ron_Mexico 4,219 Posted August 20, 2014 Share Posted August 20, 2014 Fantastic. Hank, suited, napa, you guys should look into that cleaning service. 2 Link to post Share on other sites
JubilantLankyLad 1,957 Posted August 20, 2014 Share Posted August 20, 2014 I want to look into it for the hotel! 3 Link to post Share on other sites
brvheart 1,757 Posted August 20, 2014 Share Posted August 20, 2014 I can get a 'sexy maid' to clean my house naked for $150 and give me a handie when she's done for an extra $50. . 3 times a week, that's only $7200 a year. Seems like a better deal than insuring the life of a housewife when the liability column contains half your shit. How do you even calculate your ev on a life insurance payoff for a wife? Hourly units of future whores? See scram, here's the deal. My wife is a terrible driver obviously, because she's a woman. Further my wife's best friend, is an Asian woman. You know that shit is rubbing off on her. I need life insurance on my wife, because as soon as she dies, I gots to put the kids in boarding school, to get them shits out of here, so that I can start whoring around town and shit. No what I'm sayin'? Boarding school is expensive. 2 Link to post Share on other sites
brvheart 1,757 Posted August 20, 2014 Share Posted August 20, 2014 yeah, exactly. 45 years old, standard rating, 20 year term, $1 million, usually works out to like $1000-1200/year, with AIG being the most competitive. it's crazy. Every time I see a quote from someone, I am reminded at how good of a price I got through my guy at Northwestern Mutual. Link to post Share on other sites
JubilantLankyLad 1,957 Posted August 20, 2014 Share Posted August 20, 2014 Every time I see a quote from someone, I am reminded at how good of a price I got through my guy at Northwestern Mutual. Even this one? Well, bad example. Link to post Share on other sites
Ron_Mexico 4,219 Posted August 20, 2014 Share Posted August 20, 2014 Even this one? Well, bad example. I'm embarrassed that this post generated a single chuckle. 1 Link to post Share on other sites
Napa Lite 3,279 Posted August 20, 2014 Share Posted August 20, 2014 My promotion hasn't been announced yet to the departmentand so I'm hesitant to change my title in my signature, not that it would matter, BUT I REALLY WANT TO. 2 Link to post Share on other sites
brvheart 1,757 Posted August 20, 2014 Share Posted August 20, 2014 Suited: Have you ever tried a Chipotle Quesarito? Link to post Share on other sites
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