Author Topic: Overheard at Work  (Read 4928119 times)

Anje

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Re: Overheard at Work
« Reply #11700 on: December 27, 2015, 05:42:53 AM »
we paid zero out of pocket - but imagine the overhead with the workers at the insurance company and both billing offices, filing, denying, re-filing, denying. Plus the phone calls my husband made (at least a dozen) "did you bill insurance company A?"  "Oh, no, we didn't."  "Well, that's the primary, here's the info".  Ad nauseum.
On behalf of the civilised world - can we point out that there is an efficient solution to providing health care cheaply and universally with everyone paying zero out of pocket ;-)
Not to mention that there also is a solution where med school (like any other higher  education) is also free to all and sundry  who has good enough grades.

dragoncar

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Re: Overheard at Work
« Reply #11701 on: December 27, 2015, 01:00:38 PM »
we paid zero out of pocket - but imagine the overhead with the workers at the insurance company and both billing offices, filing, denying, re-filing, denying. Plus the phone calls my husband made (at least a dozen) "did you bill insurance company A?"  "Oh, no, we didn't."  "Well, that's the primary, here's the info".  Ad nauseum.
On behalf of the civilised world - can we point out that there is an efficient solution to providing health care cheaply and universally with everyone paying zero out of pocket ;-)


you do pay out of pocket, every single time you pay your taxes. Health care is never free. collect it in beginning with taxes, or afterwards with insurance or out of pocket. I'm actually not against socialized medicine, but you have to socialize the educational aspect of it, too, not just the payment portion.

one of my FIRE goals is to move to a super LCOL area and open up a free/cheap mobile medical office in an RV, travel small town to town and treat people cheaply.

Try keeping your tax money in a bank account, rather than your pocket

nobodyspecial

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Re: Overheard at Work
« Reply #11702 on: December 27, 2015, 01:26:13 PM »

you do pay out of pocket, every single time you pay your taxes. Health care is never free. collect it in beginning with taxes, or afterwards with insurance or out of pocket.
Except one of them involves spending $billions on billing paperwork, shackles you to an employer and can leave you ruined if you have a sick child at the wrong time.
 

steviesterno

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Re: Overheard at Work
« Reply #11703 on: December 28, 2015, 07:25:51 AM »
oh i'm the first to tell you our system sucks. it does, it's corrupt, and drug companies can advertise right to patients. "ask your doctor about..." is insane. It's a terrible system, but one that won't work well being patched, it needs a complete overhaul.

hence my willingness to drop out of the system much earlier than conventional wisdom would have me do, to provide low cost services to people that need them. But I have to be FI to make that work for any period of time.

zephyr911

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Re: Overheard at Work
« Reply #11704 on: December 28, 2015, 07:45:24 AM »
you do pay out of pocket, every single time you pay your taxes.
Now you're just quibbling over semantics. I find it hard to believe you don't know what "out of pocket" is commonly understood to mean.

Nobody here's dumb enough to think products and services can ever be free.
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Prairie Gal

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Re: Overheard at Work
« Reply #11705 on: December 28, 2015, 09:37:00 AM »
we paid zero out of pocket - but imagine the overhead with the workers at the insurance company and both billing offices, filing, denying, re-filing, denying. Plus the phone calls my husband made (at least a dozen) "did you bill insurance company A?"  "Oh, no, we didn't."  "Well, that's the primary, here's the info".  Ad nauseum.
On behalf of the civilised world - can we point out that there is an efficient solution to providing health care cheaply and universally with everyone paying zero out of pocket ;-)


you do pay out of pocket, every single time you pay your taxes. Health care is never free. collect it in beginning with taxes, or afterwards with insurance or out of pocket. I'm actually not against socialized medicine, but you have to socialize the educational aspect of it, too, not just the payment portion.

one of my FIRE goals is to move to a super LCOL area and open up a free/cheap mobile medical office in an RV, travel small town to town and treat people cheaply.

I think the advantage of socialized health care is that it takes a lot of the stress out of it. No-one here in Canada needs to worry about finding or affording insurance. And no-one needs to worry about getting treatment. If there is something wrong, call your doctor and make an appointment, or go to a walk in clinic, or go to the E.R. I don't think doctors' or nurses' education is paid for by the government (all though all higher education is heavily subsidized). But I do know that doctors and nurses make damn good money. We pay for all this through higher taxes than the U.S. But our system is such that the rich pay more (to their chagrin, I'm sure), and the middle and lower brackets pay less. Some very low brackets pay nothing, but everyone still gets the exact same health care.

I'm not saying it's perfect. Wait times for some procedures are ridiculous. You can wait months to see a specialist. Longer for things like knee or hip replacements. This is for non-emergency things. Emergencies will be seen right away. My husband once had unstable angina and was put in ICU right away and flown (air ambulance) to the big city and had stents put in within days.

Stevie, I think your travelling RV clinic idea is very noble. I hope you can make it happen. The world needs more people with hearts like yours.

radicaledward

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Re: Overheard at Work
« Reply #11706 on: December 28, 2015, 11:30:32 AM »
I'm not saying it's perfect. Wait times for some procedures are ridiculous. You can wait months to see a specialist. Longer for things like knee or hip replacements. This is for non-emergency things. Emergencies will be seen right away. My husband once had unstable angina and was put in ICU right away and flown (air ambulance) to the big city and had stents put in within days.
Wait times for specialists can be up there in the United States as well (see, this survey). It really does depend on where you live and what you are trying to have done though.

singh02

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Re: Overheard at Work
« Reply #11707 on: December 28, 2015, 12:03:35 PM »
Interesting discussion and it's nice to see others docs on here.  The ones I work are not very frugal.  I work at a for profit community hospital and I sometimes cringe at the "business of medicine"practices I see. 

In the spirit of the thread, as a new grad my main goal has been to encourage fellow new grads to refinance their 6-8% interest loans and then max out their 401k.  As we're independent contractors, we have a huge advantage in our the amount of our 401k plans. 

I do hope to retire early so I can volunteer with doctors without borders.  For anesthesiologists, the commitments can be as little as 1 month, but definitely easier to get time off when one has F you money.

BrewandRun

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Re: Overheard at Work
« Reply #11708 on: December 28, 2015, 03:44:46 PM »
Buddy at work has to move because his wife doesn't like the HVAC system in their current house, apparently there is always like a 5 degree difference in temperature between floors. When I asked if he hasn't considered just paying someone to fix it he tells me that it also is a split level and she will never be happy with it. The house in question btw is a 350k custom home they had built for the a year and a half ago......

YaMainManBen

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Re: Overheard at Work
« Reply #11709 on: December 28, 2015, 05:23:00 PM »
It wasn't exactly overheard, but I was security guard over the summer and shared a construction site with this older guy who drove a huge truck with custom rims/tires 2 hours each way to get to work. Compound this with the fact that we work in 12-hour shifts, and the food/gas along the way, and this guy's eating mostly fast food and getting less than 8 hours of sleep a night 3-5 nights a week. I won't get into the 4 gallons of gas wasted getting to and from work.

About halfway through the summer, his tires got busted up and he had to replace two of them. He tells me that each one of them cost 1000$ to replace and took weeks to be delivered to this county (he had them ordered from some other place.) I was earning about 12/hour and made 3k over this summer. He was making 14/hour, meaning he made roughly 3.5k. The guy lost over half of his earnings for that quarter to luxury tires.


nobodyspecial

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Re: Overheard at Work
« Reply #11710 on: December 28, 2015, 05:29:00 PM »
Buddy at work has to move because his ....The house in question btw is a 350k custom home they had built for the a year and a half ago......
Trade her - it will be cheaper in the long run

antarestar

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Re: Overheard at Work
« Reply #11711 on: December 29, 2015, 12:48:27 PM »
we paid zero out of pocket - but imagine the overhead with the workers at the insurance company and both billing offices, filing, denying, re-filing, denying. Plus the phone calls my husband made (at least a dozen) "did you bill insurance company A?"  "Oh, no, we didn't."  "Well, that's the primary, here's the info".  Ad nauseum.
On behalf of the civilised world - can we point out that there is an efficient solution to providing health care cheaply and universally with everyone paying zero out of pocket ;-)


you do pay out of pocket, every single time you pay your taxes. Health care is never free. collect it in beginning with taxes, or afterwards with insurance or out of pocket. I'm actually not against socialized medicine, but you have to socialize the educational aspect of it, too, not just the payment portion.

one of my FIRE goals is to move to a super LCOL area and open up a free/cheap mobile medical office in an RV, travel small town to town and treat people cheaply.

If that's what you want to do, look into Federally Qualified Health Centers (FQHC).

steviesterno

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Re: Overheard at Work
« Reply #11712 on: December 30, 2015, 08:19:41 AM »
we paid zero out of pocket - but imagine the overhead with the workers at the insurance company and both billing offices, filing, denying, re-filing, denying. Plus the phone calls my husband made (at least a dozen) "did you bill insurance company A?"  "Oh, no, we didn't."  "Well, that's the primary, here's the info".  Ad nauseum.
On behalf of the civilised world - can we point out that there is an efficient solution to providing health care cheaply and universally with everyone paying zero out of pocket ;-)


you do pay out of pocket, every single time you pay your taxes. Health care is never free. collect it in beginning with taxes, or afterwards with insurance or out of pocket. I'm actually not against socialized medicine, but you have to socialize the educational aspect of it, too, not just the payment portion.

one of my FIRE goals is to move to a super LCOL area and open up a free/cheap mobile medical office in an RV, travel small town to town and treat people cheaply.

If that's what you want to do, look into Federally Qualified Health Centers (FQHC).

I'll have to do that. One of the things that struck me recently was how slow everyone is to respond to a small/local disaster. My neighbors about an hour away were hit by 11 tornados the night after christmas, a lot of people were hurt and something like 600 homes were destroyed. Aid is coming, but it's taking a while... so I had an idea to modify the mobile clinic. Mobile clinic that tows a food truck. My wife comes from catering and wants to eventually run a food truck or similar. so we could roll up on an a problem area very quickly since it would be light and fast, serve food to the affected people and the first responders, and help treat people that need it. Could also set up the RV with solar panels as a phone charging station. Would enable us to help a lot of people quickly in a meaningful way, plus allow us to live full or part time on the road. I'd love to operate it as a non-profit and get donations and stuff to set up/cover costs, but having FIRE money would let me go at it full time.

DeepEllumStache

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Re: Overheard at Work
« Reply #11713 on: December 30, 2015, 09:26:34 AM »
we paid zero out of pocket - but imagine the overhead with the workers at the insurance company and both billing offices, filing, denying, re-filing, denying. Plus the phone calls my husband made (at least a dozen) "did you bill insurance company A?"  "Oh, no, we didn't."  "Well, that's the primary, here's the info".  Ad nauseum.
On behalf of the civilised world - can we point out that there is an efficient solution to providing health care cheaply and universally with everyone paying zero out of pocket ;-)


you do pay out of pocket, every single time you pay your taxes. Health care is never free. collect it in beginning with taxes, or afterwards with insurance or out of pocket. I'm actually not against socialized medicine, but you have to socialize the educational aspect of it, too, not just the payment portion.

one of my FIRE goals is to move to a super LCOL area and open up a free/cheap mobile medical office in an RV, travel small town to town and treat people cheaply.

If that's what you want to do, look into Federally Qualified Health Centers (FQHC).

I'll have to do that. One of the things that struck me recently was how slow everyone is to respond to a small/local disaster. My neighbors about an hour away were hit by 11 tornados the night after christmas, a lot of people were hurt and something like 600 homes were destroyed. Aid is coming, but it's taking a while... so I had an idea to modify the mobile clinic. Mobile clinic that tows a food truck. My wife comes from catering and wants to eventually run a food truck or similar. so we could roll up on an a problem area very quickly since it would be light and fast, serve food to the affected people and the first responders, and help treat people that need it. Could also set up the RV with solar panels as a phone charging station. Would enable us to help a lot of people quickly in a meaningful way, plus allow us to live full or part time on the road. I'd love to operate it as a non-profit and get donations and stuff to set up/cover costs, but having FIRE money would let me go at it full time.

That is a fabulous idea, especially if you're serving comfort food - warm and cold options like soup/hot drinks or sandwiches/cold water depending on the season/disaster.

Also having some chairs/tables as well as enough of a generator that people could charge up their mobile phones would be really helpful in times like that.
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mtn

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Re: Overheard at Work
« Reply #11714 on: December 30, 2015, 10:01:27 AM »
we paid zero out of pocket - but imagine the overhead with the workers at the insurance company and both billing offices, filing, denying, re-filing, denying. Plus the phone calls my husband made (at least a dozen) "did you bill insurance company A?"  "Oh, no, we didn't."  "Well, that's the primary, here's the info".  Ad nauseum.
On behalf of the civilised world - can we point out that there is an efficient solution to providing health care cheaply and universally with everyone paying zero out of pocket ;-)


you do pay out of pocket, every single time you pay your taxes. Health care is never free. collect it in beginning with taxes, or afterwards with insurance or out of pocket. I'm actually not against socialized medicine, but you have to socialize the educational aspect of it, too, not just the payment portion.

one of my FIRE goals is to move to a super LCOL area and open up a free/cheap mobile medical office in an RV, travel small town to town and treat people cheaply.

If that's what you want to do, look into Federally Qualified Health Centers (FQHC).

I'll have to do that. One of the things that struck me recently was how slow everyone is to respond to a small/local disaster. My neighbors about an hour away were hit by 11 tornados the night after christmas, a lot of people were hurt and something like 600 homes were destroyed. Aid is coming, but it's taking a while... so I had an idea to modify the mobile clinic. Mobile clinic that tows a food truck. My wife comes from catering and wants to eventually run a food truck or similar. so we could roll up on an a problem area very quickly since it would be light and fast, serve food to the affected people and the first responders, and help treat people that need it. Could also set up the RV with solar panels as a phone charging station. Would enable us to help a lot of people quickly in a meaningful way, plus allow us to live full or part time on the road. I'd love to operate it as a non-profit and get donations and stuff to set up/cover costs, but having FIRE money would let me go at it full time.

That is a fabulous idea, especially if you're serving comfort food - warm and cold options like soup/hot drinks or sandwiches/cold water depending on the season/disaster.

Also having some chairs/tables as well as enough of a generator that people could charge up their mobile phones would be really helpful in times like that.

Frankly, the food that would go over best in situations like this are the cheapest. Grilled cheese and tomato soup. PB&J. Shit on a shingle.

Throw in some banana's for vitamins and whatnot and you'll be cooking with gasoline.

MgoSam

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Re: Overheard at Work
« Reply #11715 on: December 30, 2015, 10:40:54 AM »
we paid zero out of pocket - but imagine the overhead with the workers at the insurance company and both billing offices, filing, denying, re-filing, denying. Plus the phone calls my husband made (at least a dozen) "did you bill insurance company A?"  "Oh, no, we didn't."  "Well, that's the primary, here's the info".  Ad nauseum.
On behalf of the civilised world - can we point out that there is an efficient solution to providing health care cheaply and universally with everyone paying zero out of pocket ;-)


you do pay out of pocket, every single time you pay your taxes. Health care is never free. collect it in beginning with taxes, or afterwards with insurance or out of pocket. I'm actually not against socialized medicine, but you have to socialize the educational aspect of it, too, not just the payment portion.

one of my FIRE goals is to move to a super LCOL area and open up a free/cheap mobile medical office in an RV, travel small town to town and treat people cheaply.

If that's what you want to do, look into Federally Qualified Health Centers (FQHC).

I'll have to do that. One of the things that struck me recently was how slow everyone is to respond to a small/local disaster. My neighbors about an hour away were hit by 11 tornados the night after christmas, a lot of people were hurt and something like 600 homes were destroyed. Aid is coming, but it's taking a while... so I had an idea to modify the mobile clinic. Mobile clinic that tows a food truck. My wife comes from catering and wants to eventually run a food truck or similar. so we could roll up on an a problem area very quickly since it would be light and fast, serve food to the affected people and the first responders, and help treat people that need it. Could also set up the RV with solar panels as a phone charging station. Would enable us to help a lot of people quickly in a meaningful way, plus allow us to live full or part time on the road. I'd love to operate it as a non-profit and get donations and stuff to set up/cover costs, but having FIRE money would let me go at it full time.

That is a fabulous idea, especially if you're serving comfort food - warm and cold options like soup/hot drinks or sandwiches/cold water depending on the season/disaster.

Also having some chairs/tables as well as enough of a generator that people could charge up their mobile phones would be really helpful in times like that.

Frankly, the food that would go over best in situations like this are the cheapest. Grilled cheese and tomato soup. PB&J. Shit on a shingle.

Throw in some banana's for vitamins and whatnot and you'll be cooking with gasoline.

After disasters, Wal-mart's research discovered that what people want most for consumables are strawberry Poptarts and beer.

http://www.nytimes.com/2004/11/14/business/yourmoney/what-walmart-knows-about-customers-habits.html?_r=0

powersuitrecall

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Re: Overheard at Work
« Reply #11716 on: December 30, 2015, 10:52:41 AM »
Apparently yesterday's snowstorm (this season's first) was too much to handle for 2 of my CWs:

CW1: Hey CW2, did you just contract someone for home snow removal?
CW2: Yep it was XYZ for $whatever
CW1: Cool, I'll call them too.  I had to shovel like 3 times yesterday
CW2: Yeah me too, I don't feel too badly today because I'm in pretty good shape, but it was TERRIBLE
CW1: No shit.  Shoveling is the WORST

Both CWs are young, in great shape, and pay for gym memberships.

Pooperman

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Re: Overheard at Work
« Reply #11717 on: December 30, 2015, 11:06:14 AM »
Apparently yesterday's snowstorm (this season's first) was too much to handle for 2 of my CWs:

CW1: Hey CW2, did you just contract someone for home snow removal?
CW2: Yep it was XYZ for $whatever
CW1: Cool, I'll call them too.  I had to shovel like 3 times yesterday
CW2: Yeah me too, I don't feel too badly today because I'm in pretty good shape, but it was TERRIBLE
CW1: No shit.  Shoveling is the WORST

Both CWs are young, in great shape, and pay for gym memberships.

My friend asked for snow removal services where he lives (NY up by Canada, so they get actual snow). I told him to put a plow on his corvette :D

dandarc

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Re: Overheard at Work
« Reply #11718 on: December 30, 2015, 11:05:30 AM »
Apparently yesterday's snowstorm (this season's first) was too much to handle for 2 of my CWs:

CW1: Hey CW2, did you just contract someone for home snow removal?
CW2: Yep it was XYZ for $whatever
CW1: Cool, I'll call them too.  I had to shovel like 3 times yesterday
CW2: Yeah me too, I don't feel too badly today because I'm in pretty good shape, but it was TERRIBLE
CW1: No shit.  Shoveling is the WORST

Both CWs are young, in great shape, and pay for gym memberships.
I went with the 'get a job for more money in Florida' approach to hating snow shoveling.
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merula

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Re: Overheard at Work
« Reply #11719 on: December 30, 2015, 11:28:41 AM »
we paid zero out of pocket - but imagine the overhead with the workers at the insurance company and both billing offices, filing, denying, re-filing, denying. Plus the phone calls my husband made (at least a dozen) "did you bill insurance company A?"  "Oh, no, we didn't."  "Well, that's the primary, here's the info".  Ad nauseum.
On behalf of the civilised world - can we point out that there is an efficient solution to providing health care cheaply and universally with everyone paying zero out of pocket ;-)


you do pay out of pocket, every single time you pay your taxes. Health care is never free. collect it in beginning with taxes, or afterwards with insurance or out of pocket. I'm actually not against socialized medicine, but you have to socialize the educational aspect of it, too, not just the payment portion.

one of my FIRE goals is to move to a super LCOL area and open up a free/cheap mobile medical office in an RV, travel small town to town and treat people cheaply.

If that's what you want to do, look into Federally Qualified Health Centers (FQHC).

I'll have to do that. One of the things that struck me recently was how slow everyone is to respond to a small/local disaster. My neighbors about an hour away were hit by 11 tornados the night after christmas, a lot of people were hurt and something like 600 homes were destroyed. Aid is coming, but it's taking a while... so I had an idea to modify the mobile clinic. Mobile clinic that tows a food truck. My wife comes from catering and wants to eventually run a food truck or similar. so we could roll up on an a problem area very quickly since it would be light and fast, serve food to the affected people and the first responders, and help treat people that need it. Could also set up the RV with solar panels as a phone charging station. Would enable us to help a lot of people quickly in a meaningful way, plus allow us to live full or part time on the road. I'd love to operate it as a non-profit and get donations and stuff to set up/cover costs, but having FIRE money would let me go at it full time.

I love the idea, but one thing to consider is the supply chain. In a major disaster, you're not going to be able to get fuel, electricity, food or water locally, so you'll need to plan for a way to bring all that in. Water and food are easier than fuel, since you could just have extra storage, but theoretically you'd need an extra-large tank for the truck plus propane for a gas stove, and possibly diesel for a generator.

infogoon

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Re: Overheard at Work
« Reply #11720 on: December 30, 2015, 11:33:00 AM »
Apparently yesterday's snowstorm (this season's first) was too much to handle for 2 of my CWs:

CW1: Hey CW2, did you just contract someone for home snow removal?
CW2: Yep it was XYZ for $whatever
CW1: Cool, I'll call them too.  I had to shovel like 3 times yesterday
CW2: Yeah me too, I don't feel too badly today because I'm in pretty good shape, but it was TERRIBLE
CW1: No shit.  Shoveling is the WORST

Both CWs are young, in great shape, and pay for gym memberships.

My friend asked for snow removal services where he lives (NY up by Canada, so they get actual snow). I told him to put a plow on his corvette :D

I've seen this guy around my neighborhood in snowy weather.


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Re: Overheard at Work
« Reply #11721 on: December 30, 2015, 11:52:35 AM »
Apparently yesterday's snowstorm (this season's first) was too much to handle for 2 of my CWs:

CW1: Hey CW2, did you just contract someone for home snow removal?
CW2: Yep it was XYZ for $whatever
CW1: Cool, I'll call them too.  I had to shovel like 3 times yesterday
CW2: Yeah me too, I don't feel too badly today because I'm in pretty good shape, but it was TERRIBLE
CW1: No shit.  Shoveling is the WORST

Both CWs are young, in great shape, and pay for gym memberships.

My friend asked for snow removal services where he lives (NY up by Canada, so they get actual snow). I told him to put a plow on his corvette :D

I've seen this guy around my neighborhood in snowy weather.



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dude

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Re: Overheard at Work
« Reply #11722 on: December 30, 2015, 11:54:09 AM »
we paid zero out of pocket - but imagine the overhead with the workers at the insurance company and both billing offices, filing, denying, re-filing, denying. Plus the phone calls my husband made (at least a dozen) "did you bill insurance company A?"  "Oh, no, we didn't."  "Well, that's the primary, here's the info".  Ad nauseum.

I'm not saying it's perfect. Wait times for some procedures are ridiculous. You can wait months to see a specialist. Longer for things like knee or hip replacements. This is for non-emergency things. Emergencies will be seen right away. My husband once had unstable angina and was put in ICU right away and flown (air ambulance) to the big city and had stents put in within days.


It's not that much different here in the U.S. -- I've had to wait months for specialist appointments, and I've got damn good health insurance.

powersuitrecall

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Re: Overheard at Work
« Reply #11723 on: December 30, 2015, 01:21:24 PM »
I've seen this guy around my neighborhood in snowy weather.


That is awesome.

gaja

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Re: Overheard at Work
« Reply #11724 on: December 30, 2015, 01:39:24 PM »
Apparently yesterday's snowstorm (this season's first) was too much to handle for 2 of my CWs:

CW1: Hey CW2, did you just contract someone for home snow removal?
CW2: Yep it was XYZ for $whatever
CW1: Cool, I'll call them too.  I had to shovel like 3 times yesterday
CW2: Yeah me too, I don't feel too badly today because I'm in pretty good shape, but it was TERRIBLE
CW1: No shit.  Shoveling is the WORST

Both CWs are young, in great shape, and pay for gym memberships.
I went with the 'get a job for more money in Florida' approach to hating snow shoveling.

We moved 500 miles south to get away from the shovelling. We had meters of the cold wet stuff, not feet. It was horrible.
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Uturn

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Re: Overheard at Work
« Reply #11725 on: December 30, 2015, 01:51:14 PM »
Apparently yesterday's snowstorm (this season's first) was too much to handle for 2 of my CWs:

CW1: Hey CW2, did you just contract someone for home snow removal?
CW2: Yep it was XYZ for $whatever
CW1: Cool, I'll call them too.  I had to shovel like 3 times yesterday
CW2: Yeah me too, I don't feel too badly today because I'm in pretty good shape, but it was TERRIBLE
CW1: No shit.  Shoveling is the WORST

Both CWs are young, in great shape, and pay for gym memberships.

But did they pay to have the driveway shoveled so they could drive to the gym? 
It's not about money, it's about mindset

steviesterno

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Re: Overheard at Work
« Reply #11726 on: December 30, 2015, 02:41:09 PM »
we paid zero out of pocket - but imagine the overhead with the workers at the insurance company and both billing offices, filing, denying, re-filing, denying. Plus the phone calls my husband made (at least a dozen) "did you bill insurance company A?"  "Oh, no, we didn't."  "Well, that's the primary, here's the info".  Ad nauseum.
On behalf of the civilised world - can we point out that there is an efficient solution to providing health care cheaply and universally with everyone paying zero out of pocket ;-)


you do pay out of pocket, every single time you pay your taxes. Health care is never free. collect it in beginning with taxes, or afterwards with insurance or out of pocket. I'm actually not against socialized medicine, but you have to socialize the educational aspect of it, too, not just the payment portion.

one of my FIRE goals is to move to a super LCOL area and open up a free/cheap mobile medical office in an RV, travel small town to town and treat people cheaply.

If that's what you want to do, look into Federally Qualified Health Centers (FQHC).

I'll have to do that. One of the things that struck me recently was how slow everyone is to respond to a small/local disaster. My neighbors about an hour away were hit by 11 tornados the night after christmas, a lot of people were hurt and something like 600 homes were destroyed. Aid is coming, but it's taking a while... so I had an idea to modify the mobile clinic. Mobile clinic that tows a food truck. My wife comes from catering and wants to eventually run a food truck or similar. so we could roll up on an a problem area very quickly since it would be light and fast, serve food to the affected people and the first responders, and help treat people that need it. Could also set up the RV with solar panels as a phone charging station. Would enable us to help a lot of people quickly in a meaningful way, plus allow us to live full or part time on the road. I'd love to operate it as a non-profit and get donations and stuff to set up/cover costs, but having FIRE money would let me go at it full time.

I love the idea, but one thing to consider is the supply chain. In a major disaster, you're not going to be able to get fuel, electricity, food or water locally, so you'll need to plan for a way to bring all that in. Water and food are easier than fuel, since you could just have extra storage, but theoretically you'd need an extra-large tank for the truck plus propane for a gas stove, and possibly diesel for a generator.


one of my other reading habits and grand ideas is off the grid living, and low impact stuff. adventure RVs like the Unimog done up right are already equipped for a longer stretch of going without supply. A couple of freezers for food, storage for pre-bought bottled water, extra propane on the RV and food truck plus an extra tank for gas should be enough for a short term event. my plan is to be first on scene and set up quickly and wait for calvary, not the only people there for a month.

I also think by the time we get this thing rolling, tesla home style batteries will be available and less expensive. One of those should power the recharging/communication set up. Be your own mobile hotspot with a couple of unlimited cell phones for people to call relatives, etc. another could power the RV and food truck for everything except fuel. Solar panels on the roof and extra fold out could recharge if the weather is good, or a low current gasoline generator (only need one fuel source) would work, too.

by going super high efficiency like you see being done in microhomes, you don't need much power. a small (~300sq foot) micro apartment/RV/cabin can run on a car battery and a bbq sized tank of propane for a weekend if you run LED lighting, good insulation, etc. running on smaller tanks means you could grab one from a neighbor or gas station in a pinch and power the grill.

I like the comfort food and beer idea. not sure how to go about the legal aspect of that but I bet nobody would bother you just filling solo cups with whiskey for everyone.

oh if anyone wants to help me build micro homes to rent out, let me know... it's a side-hustle idea I've had for a while now. think AirBnB but dropped off for you when you need it.

zephyr911

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Re: Overheard at Work
« Reply #11727 on: December 30, 2015, 03:06:46 PM »
Just for lulz, local truck pics.
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frances

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Re: Overheard at Work
« Reply #11728 on: December 31, 2015, 11:21:32 AM »
About a month after I started working at my current job a coworker and I were eating lunch together and she said, "So you eat leftovers for lunch like every day, huh?"

My SO and I meal plan and bring lunches to work every day. It was particularly funny because this coworker's lunches usually consist of a pack of crackers and a can of tuna, or something similarly prepackaged and boring, whereas I bring homemade curries and the like, yet my lunches are "gross" because they're "leftovers"....

zephyr911

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Re: Overheard at Work
« Reply #11729 on: December 31, 2015, 11:40:21 AM »
About a month after I started working at my current job a coworker and I were eating lunch together and she said, "So you eat leftovers for lunch like every day, huh?"

My SO and I meal plan and bring lunches to work every day. It was particularly funny because this coworker's lunches usually consist of a pack of crackers and a can of tuna, or something similarly prepackaged and boring, whereas I bring homemade curries and the like, yet my lunches are "gross" because they're "leftovers"....
If you planned to bring it to work, it's not really leftovers. Call it home manufacturing if you want ;)
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Hunny156

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Re: Overheard at Work
« Reply #11730 on: December 31, 2015, 12:05:13 PM »
About a month after I started working at my current job a coworker and I were eating lunch together and she said, "So you eat leftovers for lunch like every day, huh?"

My SO and I meal plan and bring lunches to work every day. It was particularly funny because this coworker's lunches usually consist of a pack of crackers and a can of tuna, or something similarly prepackaged and boring, whereas I bring homemade curries and the like, yet my lunches are "gross" because they're "leftovers"....

I've been working from home this week, and I still made sure to make a big batch of soup and Lentil curry, just so I can easily grab a bowl a nuke it while working.  When I go to work, I tend to just eat baked potatoes, carrot sticks and some bananas, so these "leftovers" have been a big treat for me this week!

On another note, the in-laws moved to town this week.  While they are getting settled, I've gone ahead and cooked dinner several times this week, and brought it over to their new place.  Nothing incredibly special, a veggie soup, rice and beans, mashed potatoes, etc.  I'm not sure what they have been eating their entire lives, but it must be a bunch of packaged food.  They have asked me what brand of potatoes and soup I use, or where I got the food from.  These two are now living 100% of SSA, scary thought that they waste so much money on take out and nutritionally deficient crap like potato flakes....

Pooperman

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Re: Overheard at Work
« Reply #11731 on: December 31, 2015, 12:13:28 PM »
Potato brand? Tell them you use the one with the red skin sometimes, and other times the one with the gold/brown skin. Maybe they'll understand about using the actual potato.

RetiredAt63

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Re: Overheard at Work
« Reply #11732 on: December 31, 2015, 12:30:18 PM »
We need to fix the language, I started with your post.  Good work doing this.  Tasty, healthy, good value.

About a month after I started working at my current job a coworker and I were eating lunch together and she said, "So you eat leftovers planned-overs for lunch like every day, huh?"

My SO and I meal plan and bring lunches to work every day. It was particularly funny because this coworker's lunches usually consist of a pack of crackers and a can of tuna, or something similarly prepackaged and boring, whereas I bring homemade curries and the like, yet my lunches are "gross" because they're "leftovers"....

smella

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Re: Overheard at Work
« Reply #11733 on: December 31, 2015, 12:48:01 PM »
one of my colleagues, who supplements her fellowship & teaching income by taking on extra student loans:  "i got some cash for christmas from my family so i'm going to have one of my tattoos lasered off."

>_<

Hunny156

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Re: Overheard at Work
« Reply #11734 on: December 31, 2015, 12:51:54 PM »
Potato brand? Tell them you use the one with the red skin sometimes, and other times the one with the gold/brown skin. Maybe they'll understand about using the actual potato.

We took them shopping this past weekend, and actually bought a large bag of potatoes, along with a bunch of non-prepackaged food, but maybe they thought that we don't eat the same way?  Who knows, but I guess we will all figure it out, since they will need help getting settled in a new place.

nanu

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Re: Overheard at Work
« Reply #11735 on: January 01, 2016, 07:26:11 AM »
one of my colleagues, who supplements her fellowship & teaching income by taking on extra student loans:  "i got some cash for christmas from my family so i'm going to have one of my tattoos lasered off."

>_<
Nothing like spending a bunch of money to have your flesh mutilated, only to spend more money a few years later to have it (partially) restored... (I have nothing against tattoos in general, I just think many people do them without enough prior thought and end up regretting them)
« Last Edit: January 02, 2016, 07:51:32 AM by nanu »
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MisterTwoForty

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Re: Overheard at Work
« Reply #11736 on: January 01, 2016, 09:15:45 AM »
Co-worker of mine just paid off her car.  She then had a furnace issue, so she mortgaged the car again to pay for the furnace and new windows.  We're in a well paid field, so not sure why she didnt have the cash (has a live in boyfriend who she shares the bills with).


MgoSam

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Re: Overheard at Work
« Reply #11737 on: January 01, 2016, 11:22:52 PM »
one of my tattoos lasered off."

I've never understood the appeal of tattoos, but then again, I find them to be unattractive on people.

Making Cookies

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Re: Overheard at Work
« Reply #11738 on: January 02, 2016, 11:13:09 AM »
Graffiti for skin?

I can appreciate the artwork but I like to rotate the artwork occasionally so no tattoos for me or mine. ;) What's cool at 25 might not be cool to the same person when they are 50.

Taran Wanderer

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Re: Overheard at Work
« Reply #11739 on: January 02, 2016, 06:15:31 PM »
Graffiti for skin?

I can appreciate the artwork but I like to rotate the artwork occasionally so no tattoos for me or mine. ;) What's cool at 25 might not be cool to the same person when they are 50.

Especially as muscles shrink and skin sags...

Making Cookies

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Re: Overheard at Work
« Reply #11740 on: January 02, 2016, 11:20:53 PM »
I have an old military friend nearly 70 years old. His tattoos aren't even really legible anymore.

My favorite "saying" about tattoos is: scars are like tattoos with stories...

I have several scars from attending that school of Hard Knocks that people talk about. Mostly from being a clumsy kid and a daring young adult long before You Tube videos. ;)

(Daring: Wrongly believed I was immortal and physics didn't apply to me when I was younger.)
« Last Edit: January 02, 2016, 11:24:21 PM by Joe Average »

arebelspy

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Re: Overheard at Work
« Reply #11741 on: January 03, 2016, 12:22:15 AM »
My favorite "saying" about tattoos is: scars are like tattoos with stories...

I liked that upon first hearing it, but thinking about it... don't most tattoos have stories?  Pretty much everyone I've met has a story about their tattoos...  :)

Maybe something like "scars are tattoos ____"?  You earn?  Hmm, will have to think about how to fill in that blank.
« Last Edit: January 03, 2016, 12:23:48 AM by arebelspy »
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syednaeemul

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Re: Overheard at Work
« Reply #11742 on: January 03, 2016, 03:53:18 AM »
Just for lulz, local truck pics.

Whoa, I didn't know mammoth hunting still exists.

Uturn

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Re: Overheard at Work
« Reply #11743 on: January 03, 2016, 08:52:22 AM »
but thinking about it... don't most tattoos have stories? 

Yes, unfortunately, mine starts with "I was young, stupid, drunk, and pissed off at my girlfriend....."
It's not about money, it's about mindset

arebelspy

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Re: Overheard at Work
« Reply #11744 on: January 03, 2016, 09:05:17 AM »
but thinking about it... don't most tattoos have stories? 

Yes, unfortunately, mine starts with "I was young, stupid, drunk, and pissed off at my girlfriend....."

Haha.

I thought it was going to be "I was young, stupid, drunk, and thought I was in love....."

So it's clearly not the ex-girlfriend's name.  I'm curious what you get when you're pissed off at your SO.  :P
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with a kid.
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MgoSam

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Re: Overheard at Work
« Reply #11745 on: January 03, 2016, 12:36:11 PM »
but thinking about it... don't most tattoos have stories? 

Yes, unfortunately, mine starts with "I was young, stupid, drunk, and pissed off at my girlfriend....."

I know guy that posted his sobriety date. Each time he thinks about drinking he says he thinks about how painful it will be get that date removed.

Uturn

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Re: Overheard at Work
« Reply #11746 on: January 03, 2016, 03:31:55 PM »
Arebelspy:  It's a pit bull on the back of my shoulder.  It's good work, but WTF??  I've never even wanted a pit bull.  I'm glad that it's on my back and I don't have to see it. 
It's not about money, it's about mindset

Ann

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Re: Overheard at Work
« Reply #11747 on: January 03, 2016, 10:18:56 PM »
I find the most curious argument against tattoos is that they will not look as good when you are wrinkly and saggy.  But guess what?  It's not the tattoo that makes you look old*.
They are permanent, though, so it is important to be sure it is something in line with your core self.  It helps to really know yourself.  My friend got a Carebear tattoo when she was 23.  Now, 15 years later ... she still loves it!!!  She knows herself and doesn't give a rat's patoot what other people think. She has maybe a dozen tattoos and none of them were inspired by a night of drinking.  None of my personal friends express regret of their tats.
Not that tattoos are for everyone.  I can barely buy a pair of pants without changing my mind later.

*although placement is important.  I heard of a friend of a friend got some sort of Celtic tattoo around her navel at age 19.  Then she started having kids 3 years later.  I don't know what it ended up looking like, but I could see a person regretting that location.

arebelspy

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Re: Overheard at Work
« Reply #11748 on: January 03, 2016, 11:54:35 PM »
I find the most curious argument against tattoos is that they will not look as good when you are wrinkly and saggy.  But guess what?  It's not the tattoo that makes you look old*.

Yup.  It's people who have a problem with getting old that tend to find this problematic, in my experience.  Even if they didn't have the tattoo, they'd still have this problem.

The people I've found who don't have a problem getting old tend to LIKE the idea that the tattoo "ages" with them, as it's a part of them.
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Squirrel away

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Re: Overheard at Work
« Reply #11749 on: January 04, 2016, 03:35:42 AM »
I find the most curious argument against tattoos is that they will not look as good when you are wrinkly and saggy.  But guess what?  It's not the tattoo that makes you look old*.


Yes, I agree.:)