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I Called In Sick Today


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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.

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and after 3 days, he is risen!

If you are paying $20 for a haircut, I imagine people assume you did it yourself anyway.

Pocket change cost me my first and only black girlfriend.   It was in the middle of a roaring poker boom and I was flush in ways most men don't even bother dreaming of. Money, it was like dirt to me

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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 no FICA or social security deducted, can be invested, and anything left over at 65 can be withdrawn without penalty (just pay income tax).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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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?

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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.

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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.

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