Author Topic: Overheard on Facebook  (Read 2950331 times)

kaypinkHH

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Re: Overheard on Facebook
« Reply #6950 on: November 23, 2017, 08:34:08 AM »
@ridetherain, maybe my dealer salesperson moved from East Coast Canada to West Coast USA :P. Sounds exactly like the guy I dealt with.

Next time we bought a car (after we sold the stupid purchase privately) we bought a older used Fit. Walked into the dealer and said we will take it for X price.  It was so much easier. It really throws off dealers when you go in and try to pay without financing and have a lowish reasonable price in mind.  Helps to start by buying a older used car in the first place!

@One Piece at a Time, my comment on knowing the math is more so for interest rates and loan calcs. Understanding that paying X amount per month+ a downpayment = Y total price is an important step that a lot of consumers don't actually calculate. If they calculate it out and realize it is way over the market value, they they can tell if they are getting scammed.

farfromfire

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Re: Overheard on Facebook
« Reply #6951 on: November 23, 2017, 01:18:33 PM »
Friend bragging that she has 2 sets of washer / dryer (a total of 4 machines). She has 3 kids and is a SAHM. I don't even know where to begin. Is this a thing???

I'm going to call myself out a little bit since this reminds me of my own craziness and rationalization.

In our basement, I have a rectangular 17x24 area I'm boxing in and putting in bamboo flooring. For current use (next 4 years before kids get born and past crawling stage), I plan to have a kick ass workout room. I got a free treadmill and bike, probably will get a low end rower and find some weights and add a pull up bar. I've convinced my self that the room needs 2 50" TVs I'm buying on Thursday as a door buster (1 for when you are facing North on the machines and one west when you are using the free weights) and really proud of how the workout will look in my end.

I have a ton of really good reasons- the bamboo flooring and open layout will allow it to be a kids rec room or overflow room if hosting a big party (its only a five steps down from a bar/rec area). The room is adding 300 sq ft to the house. The two TVs are a one-time cost and I'll stream free entertainment, more likely to work out, friends likely to come over to workout with me, etc My wife is there giving me multiple face punches every time I bring it up.

It's really my only house splurge since moving in 6 months ago. Everything else was hand me downs or true necessities like rakes/weed wackers and other stuff I didn't own previously.... See the rationalizations wont end.
Haha, definitely facepunch worthy. But I admit the single TV thing is a (extremely first world) problem with home gyms, you can find yourself turning in an unhealthy direction while lifting weights if you're too engrossed in the show.

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Re: Overheard on Facebook
« Reply #6952 on: November 23, 2017, 01:55:29 PM »
The closest thing I have to a platter is a waiter's tray that I use to feed our dogs their meals.  Yes, I'm their waiter.  And yes, I feel ridiculous using it, but it's so convenient.

It's funny how we don't feel ridiculous for needing to pick up dog's poop. I wonder what aliens would think of us if they saw us picking up after our pets.



I absolutely feel ridiculous cleaning up dog or cat poop and I mention it to my wife all the time.  I created a thread about trying to toilet train my cat (we failed and I have to clean that fucking litter every fucking day).

You might consider getting the Litter-Robot.    I have the black one that you can see on this page

http://odditymall.com/self-cleaning-kitty-litter-robot

I got it 9-10 years ago for $300 or $400, and it still works amazing.     For two cats, I could take the litter out once per week, although maybe every 5 days was better.    It takes regular trash bags, so there aren't any expensive "razor blades" you have to buy.   And it almost never jams up.

Maybe buying a $400 thing for the pets isn't mustachian, but I do like not changing litter every single day.

Note,  this is the official site    https://www.litter-robot.com/     I put in the other link because it appears that they are on generation 2 or 3 now, whereas the link above shows the earlier generation that I have.    I have no idea if the new ones are an improvement or have finicky electronics that make it worse

I had a similar robotic litter box. I did not work out so well for me. As in it scared the shit right out of them all over the floor, every damn day. I had to go back to normal littler boxes. I now use the robo one to keep the cats out of any room we don't want them in. :/

MrsWhipple

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Re: Overheard on Facebook
« Reply #6953 on: November 23, 2017, 06:05:58 PM »
Those baby dolls and lifelike shelf pets (what else do call them?) are just spooky.
I thought so too until I heard that a lot of the lifelike dolls are bought by women who suffer from stillbirth/miscarriage and used to help move through the grieving process. Now I just think it's sad :(

shelivesthedream

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Re: Overheard on Facebook
« Reply #6954 on: November 24, 2017, 03:33:04 AM »
I had a similar robotic litter box. I did not work out so well for me. As in it scared the shit right out of them all over the floor, every damn day. I had to go back to normal littler boxes. I now use the robo one to keep the cats out of any room we don't want them in. :/

That was my first thought! My parents' cats would be terrified of it! The last part is excellent, though :)

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Re: Overheard on Facebook
« Reply #6955 on: November 25, 2017, 07:41:26 PM »
Those baby dolls and lifelike shelf pets (what else do call them?) are just spooky.
I thought so too until I heard that a lot of the lifelike dolls are bought by women who suffer from stillbirth/miscarriage and used to help move through the grieving process. Now I just think it's sad :(
I'm reminded of a very creepy movie about a nanny hired to "babysit" and "feed" a doll. I can't recall how it went but there was something about an insane person locked (or not!) in the attic.
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farfromfire

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Re: Overheard on Facebook
« Reply #6956 on: November 26, 2017, 01:13:17 AM »
Those baby dolls and lifelike shelf pets (what else do call them?) are just spooky.
I thought so too until I heard that a lot of the lifelike dolls are bought by women who suffer from stillbirth/miscarriage and used to help move through the grieving process. Now I just think it's sad :(
I'm reminded of a very creepy movie about a nanny hired to "babysit" and "feed" a doll. I can't recall how it went but there was something about an insane person locked (or not!) in the attic.
The Boy. Not a bad movie!

mustachepungoeshere

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Re: Overheard on Facebook
« Reply #6957 on: November 26, 2017, 08:15:31 PM »
Someone on Facebook asked for a recommendation for the best Fitbits for tweens.

Her tweens "need" them, you see.

Just Joe

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Re: Overheard on Facebook
« Reply #6958 on: November 26, 2017, 08:23:34 PM »
Those baby dolls and lifelike shelf pets (what else do call them?) are just spooky.
I thought so too until I heard that a lot of the lifelike dolls are bought by women who suffer from stillbirth/miscarriage and used to help move through the grieving process. Now I just think it's sad :(

That is sad. Never heard of that angle.

Nudelkopf

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Re: Overheard on Facebook
« Reply #6959 on: November 27, 2017, 03:37:11 AM »
Someone on Facebook asked for a recommendation for the best Fitbits for tweens.

Her tweens "need" them, you see.
I dunno, choldhood obesity is a thing.

PMG

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Re: Overheard on Facebook
« Reply #6960 on: November 27, 2017, 04:14:15 AM »
Those baby dolls and lifelike shelf pets (what else do call them?) are just spooky.
I thought so too until I heard that a lot of the lifelike dolls are bought by women who suffer from stillbirth/miscarriage and used to help move through the grieving process. Now I just think it's sad :(

That is sad. Never heard of that angle.

Lifelike dolls.  When I was a child there was a woman at my parents church who bought one of these life like dolls.  Looking back I think that I recognize symptoms of abuse and mental illness.  At the time we just thought she was weird.  She was single, nearing 40. Obese.  A failure in a strict patriarchal religious society.  She dressed and cared for that doll, brought it to church, took it into the nursery to care for it, rocking it while listening to the sermon with other mothers until some of the deacons wives asked her not to.  She then got a puppy, which she also dressed and carried around constantly, until it ran out in the road and was hit by a bus while she watched.  God, that was tragic.  She got another dog, continued to baby it. Every once in a while I search her out on Facebook because I feel such sadness for her and wish she were healthy and happy but I have no way too help her and I am not sure that she thinks she needs help.

infogoon

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Re: Overheard on Facebook
« Reply #6961 on: November 27, 2017, 09:01:30 AM »
Friend bragging that she has 2 sets of washer / dryer (a total of 4 machines). She has 3 kids and is a SAHM. I don't even know where to begin. Is this a thing???

I for one have the biggest issue to remember to switch loads of laundry...I can't imagine having another set on the go would be helpful.

I'm so confused. Facebook is a confusing place.

Yeah, I can see how it would be marginally useful -- do whites and colors at the same time.  Even better would be two combination washer-dryers.  But that doesn't make it non-ridiculous.

I really could have used a second washer/dryer when my kids were still in cloth diapers.
« Last Edit: November 27, 2017, 09:12:41 AM by infogoon »

Rosesss

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Re: Overheard on Facebook
« Reply #6962 on: November 27, 2017, 09:09:01 AM »
I asked for some advice on blenders on fb. Was told to get a 600 dollar model.  ´'If you take the shortest financing option of 12 months you only end up paying 68 dollars in interest!'' :O People really finance blenders?

rockstache

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Re: Overheard on Facebook
« Reply #6963 on: November 27, 2017, 09:29:57 AM »
I asked for some advice on blenders on fb. Was told to get a 600 dollar model.  ´'If you take the shortest financing option of 12 months you only end up paying 68 dollars in interest!'' :O People really finance blenders?

Wow.

On the bright side, I guess they knew exactly what they were doing, since they knew how to calculate the interest. No excuses...?

MgoSam

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Re: Overheard on Facebook
« Reply #6964 on: November 27, 2017, 09:32:48 AM »
I'm assuming the blenders in question are Vitamix and Blendec?

If so then I recommend getting them even though they are hefty if you blend a decent amount. They are incredibly well-made and have a very long warranty (and great customer service). I believe you may find a sale on them on Amazon or another website today.

RidetheRain

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Re: Overheard on Facebook
« Reply #6965 on: November 27, 2017, 09:54:43 AM »
I asked for some advice on blenders on fb. Was told to get a 600 dollar model.  ´'If you take the shortest financing option of 12 months you only end up paying 68 dollars in interest!'' :O People really finance blenders?

Actually, the shortest financing option is to put the whole blender on your Amazon Prime Store Card. Pay it off immediately and pocket the 5% cashback. Interest is just -$30!
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MrGville

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Re: Overheard on Facebook
« Reply #6966 on: November 28, 2017, 08:30:18 AM »
Seen on instagram.....couple in their mid 20s constantly posting extravagant travels and shopping outings.  Post about buying a brand new Mercedes (I looked the car up and it starts at $88k!!).  Post pictures of herself holding shopping bags from high end designers (Hermes, Louis Vuitton, etc.).  Someone in the comments asked what she got from Hermes and they were sandals that cost ~$700!.  I found out recently from a mutual friend that this couple is in significant credit card debt....hmmm.
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kaypinkHH

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Re: Overheard on Facebook
« Reply #6967 on: November 28, 2017, 09:26:57 AM »
Seen on instagram.....couple in their mid 20s constantly posting extravagant travels and shopping outings.  Post about buying a brand new Mercedes (I looked the car up and it starts at $88k!!).  Post pictures of herself holding shopping bags from high end designers (Hermes, Louis Vuitton, etc.).  Someone in the comments asked what she got from Hermes and they were sandals that cost ~$700!.  I found out recently from a mutual friend that this couple is in significant credit card debt....hmmm.

I just imagine these people with more accurate hastags in their feeds:

#blessed = #spoiled
#iloveshopping = #minimumpaymentsforyears
#bestbaeever = #financialproblemswilleventuallyleadtodivorce

ketchup

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Re: Overheard on Facebook
« Reply #6968 on: November 28, 2017, 10:32:34 AM »
I asked for some advice on blenders on fb. Was told to get a 600 dollar model.  ´'If you take the shortest financing option of 12 months you only end up paying 68 dollars in interest!'' :O People really finance blenders?
I'm pretty sure the last blender I bought was close to $68 total.

RidetheRain

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Re: Overheard on Facebook
« Reply #6969 on: November 28, 2017, 11:16:51 AM »
I asked for some advice on blenders on fb. Was told to get a 600 dollar model.  ´'If you take the shortest financing option of 12 months you only end up paying 68 dollars in interest!'' :O People really finance blenders?
I'm pretty sure the last blender I bought was close to $68 total.

I'll be honest, I don't have a blender. But I do have a food processor that I also use occasionally as a blender. It cost $80. I can't imagine what a $600 blender must be able to do to be worth all that money. Is it refrigerated for long-term smoothie storage or something? Because I have a fridge already.
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Just Joe

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Re: Overheard on Facebook
« Reply #6970 on: November 28, 2017, 01:18:09 PM »
I was near an expensive food processor over the weekend. Its notable feature: it was quiet.

Kashmani

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Re: Overheard on Facebook
« Reply #6971 on: November 28, 2017, 01:24:29 PM »
I'm assuming the blenders in question are Vitamix and Blendec?

If so then I recommend getting them even though they are hefty if you blend a decent amount. They are incredibly well-made and have a very long warranty (and great customer service). I believe you may find a sale on them on Amazon or another website today.

I was arm-twisted in getting DW a Vitamix for her 40th birthday last year and thought the price was ridiculous.

Since then, I have been appeased with regular smoothies and banana milks, sometimes in a mason jar in my lunch bag. And I hate to admit it, but - damn, they're good. That thing doesn't blend almonds, it obliterates them into individual almond molecules effortlessly floating in an oh-so-foamy emulsion of bananas and milk.

I no longer judge. Like crack, the blender may be a bad value but it's addictive...

ketchup

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Re: Overheard on Facebook
« Reply #6972 on: November 28, 2017, 01:25:19 PM »
I was near an expensive food processor over the weekend. Its notable feature: it was quiet.
I can vouch for he opposite at the very least.  I bought a cheapie one from Walmart last year and it is mediocre but it definitely sounds like a tornado running over a ball bearing factory.

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Re: Overheard on Facebook
« Reply #6973 on: November 28, 2017, 01:29:29 PM »
just bought my 2nd blender ever.  First was about $35.  This one was about the same.  First lasted 5 years.  I'm 33.  I may blend things until I'm 80.  57yrs/5= 11.4 expected cheap blenders needed in my lifetime or $399.  I'll take a new blender every half decade instead of a $600 blender with a warranty.  I should also add that it is used a minimum of once daily and sometimes 2-3 times per day on different occasions. 


On topic "I want Starbucks but my bank account is telling me no" from a recent facebook post.

If your bank account can't handle a Starbucks purchase then the lack of coffee is the least of your worries. 


Hadilly

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Re: Overheard on Facebook
« Reply #6974 on: November 28, 2017, 01:42:22 PM »
I was at Costco yesterday and the vitamix guy was doing a demo. Sounds like Costco has the best price and they are dropping another $60 or $100 too, so maybe $250 or so total?  Maybe check out Costco if you want one. Sorry to be so vague on the details.

I hate adding appliances so I also use my food processor for the occasional smoothie.

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Re: Overheard on Facebook
« Reply #6975 on: November 28, 2017, 03:49:13 PM »
There's an ice cream place in the same building where I work.  They recently replaced their several-years-old commercial-grade BlendTec blenders.  I picked one of the old ones up for $50.  It's the kind with the cover that encloses the pitcher while you blend stuff, and has programmed sequences for blending different things.  The thing is a beast, too--it requires a 20A outlet in our kitchen!

Imustacheyouaquestion

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Re: Overheard on Facebook
« Reply #6976 on: November 29, 2017, 08:22:32 AM »

On topic "I want Starbucks but my bank account is telling me no" from a recent facebook post.

If your bank account can't handle a Starbucks purchase then the lack of coffee is the least of your worries.

At least they're not buying it. A broke person who doesn't buy shit because they know they can't afford it is still conceptually miles ahead of the person who throws it on a credit card.

Just Joe

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Re: Overheard on Facebook
« Reply #6977 on: November 29, 2017, 08:40:45 AM »
Hopefully that $200 clinic visit doesn't start a cascading set of events that leads to even more financial problems. Sick, can't work, missing bills, overdrafts and late fees, etc and only two years later do they crawl out from under their troubles. 
« Last Edit: December 03, 2017, 10:24:38 AM by Just Joe »

Imustacheyouaquestion

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Re: Overheard on Facebook
« Reply #6978 on: November 29, 2017, 10:03:17 AM »
Hope that $200 clinic visit doesn't start a cascading set of events that leads to even more financial problems. Sick, can't work, missing bills, overdrafts and late fees, etc and only two years later do they crawl out from under their troubles.

More than half of bankruptcies are caused by medical debt. While a $200 expense shouldn't send anyone spiraling into a major predicament, the reality is that people who can't scrape up small amounts to cover emergencies are in a very precarious position.

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Re: Overheard on Facebook
« Reply #6979 on: November 29, 2017, 12:03:04 PM »

On topic "I want Starbucks but my bank account is telling me no" from a recent facebook post.

If your bank account can't handle a Starbucks purchase then the lack of coffee is the least of your worries.

At least they're not buying it. A broke person who doesn't buy shit because they know they can't afford it is still conceptually miles ahead of the person who throws it on a credit card.

Or who borrows from a friend or relative, or who mooches it off someone else, or who sticks someone else with the bill, or plenty of other dysfunctional behaviors we've seen discussed on this board.
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Just Joe

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Re: Overheard on Facebook
« Reply #6980 on: November 30, 2017, 10:45:07 AM »
Hope their car doesn't break any time soon. I've seen that happen. Dependent on a car to get through the week. Can't afford to repair it. Lasting troubles ensue. Credit card debt, sudden car payments if they can pony up the cash each month for years, etc all because the car needs $200 worth of parts and the owner can't/won't DIY anything.

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Re: Overheard on Facebook
« Reply #6981 on: November 30, 2017, 11:24:13 AM »
Hope that $200 clinic visit doesn't start a cascading set of events that leads to even more financial problems. Sick, can't work, missing bills, overdrafts and late fees, etc and only two years later do they crawl out from under their troubles.

More than half of bankruptcies are caused by medical debt. While a $200 expense shouldn't send anyone spiraling into a major predicament, the reality is that people who can't scrape up small amounts to cover emergencies are in a very precarious position.
No.  Absolutely no.  This is one of those factoids that gets branded around without substance or context. While more than half of bankruptees may blame medical debt for causing their bankruptcy, in most cases they were on seriously shaky financial footing to begin with, enough where they couldn't cover an unexpected expense. If you've been in the workforce for a decade+ you ought to have tens-of-thousand$ saved up, minimum.  If outside forces (e.g. job loss) have truly kept you from saving any money then those factors led to the bankruptcy, not the unanticipated medical bill at the end.  If spent your 20s leasing new cars, going on vacations, eating at restaurants and otherwise living a life on credit and then go bankrupt when you suddenly need medical care, the medical care was just the expense that exposed the cracks in your shaky financial house.

Do some people go through bankruptcy because of medical debt?  sure.  Is it >50%?  hell no.
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shelivesthedream

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Re: Overheard on Facebook
« Reply #6982 on: November 30, 2017, 11:54:19 AM »
I think the correct verb is probably "precipitated".

marty998

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Re: Overheard on Facebook
« Reply #6983 on: December 01, 2017, 11:48:27 PM »
Hmm... I had to stop and think about something today...

Saw on a mustachian group Facebook page someone was bragging about their car passing 300,000 in milage.

Everyone was congratulating him saying how wonderful it is to keep a cheap old car going.

My first reaction was "driving 300,000 miles doesn't sound very frugal to me".

(And really? We're having the blender discussion again? Haha)

mustachepungoeshere

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Re: Overheard on Facebook
« Reply #6984 on: December 02, 2017, 01:19:01 AM »
Hmm... I had to stop and think about something today...

Saw on a mustachian group Facebook page someone was bragging about their car passing 300,000 in milage.

Everyone was congratulating him saying how wonderful it is to keep a cheap old car going.

My first reaction was "driving 300,000 miles doesn't sound very frugal to me".

(And really? We're having the blender discussion again? Haha)

Says person who was given a free blender. :P

merula

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Re: Overheard on Facebook
« Reply #6985 on: December 02, 2017, 05:09:16 AM »
Hmm... I had to stop and think about something today...

Saw on a mustachian group Facebook page someone was bragging about their car passing 300,000 in milage.

Everyone was congratulating him saying how wonderful it is to keep a cheap old car going.

My first reaction was "driving 300,000 miles doesn't sound very frugal to me".

(And really? We're having the blender discussion again? Haha)

I didn't see the post, but did the poster drive the 300,000 miles, or did they buy a high-mileage used car as is the official recommendation from MMM?

In contrast, my five year old car is approaching 30,000 miles. Super mustachian, you say? Hardly, since I made the mistake of buying it new.

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Re: Overheard on Facebook
« Reply #6986 on: December 02, 2017, 11:25:02 PM »
In contrast, my five year old car is approaching 30,000 miles. Super mustachian, you say? Hardly, since I made the mistake of buying it new.

We're practically twins!  I bought my car new six years ago, and I have almost 17,000 miles on it.  Each year I bring it in for the state's emissions check, the guy asks me what my odometer says, so I tell, him, and he always checks it himself, like, "No, not the tripometer; I mean the odometer!"  I knew most of my drives were short, but I didn't realize it would be that little distance/time!

Imma

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Re: Overheard on Facebook
« Reply #6987 on: December 03, 2017, 03:04:19 AM »
Hope that $200 clinic visit doesn't start a cascading set of events that leads to even more financial problems. Sick, can't work, missing bills, overdrafts and late fees, etc and only two years later do they crawl out from under their troubles.

More than half of bankruptcies are caused by medical debt. While a $200 expense shouldn't send anyone spiraling into a major predicament, the reality is that people who can't scrape up small amounts to cover emergencies are in a very precarious position.
No.  Absolutely no.  This is one of those factoids that gets branded around without substance or context. While more than half of bankruptees may blame medical debt for causing their bankruptcy, in most cases they were on seriously shaky financial footing to begin with, enough where they couldn't cover an unexpected expense. If you've been in the workforce for a decade+ you ought to have tens-of-thousand$ saved up, minimum.  If outside forces (e.g. job loss) have truly kept you from saving any money then those factors led to the bankruptcy, not the unanticipated medical bill at the end.  If spent your 20s leasing new cars, going on vacations, eating at restaurants and otherwise living a life on credit and then go bankrupt when you suddenly need medical care, the medical care was just the expense that exposed the cracks in your shaky financial house.

Do some people go through bankruptcy because of medical debt?  sure.  Is it >50%?  hell no.

This is true for someone with a professional office job (although that person might have a lot of student debt because they needed to go to college to get that kind of job) but absolutely not for the millions and millions of very hard workers in blue and pink collar jobs. Not everyone who doesn't have tens of thousands in the bank has been living the high life. I believe that you can save money on nearly any income level, but for many people their savings will be very modest even if they live a very frugal life.

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Re: Overheard on Facebook
« Reply #6988 on: December 03, 2017, 05:46:09 AM »
Hope that $200 clinic visit doesn't start a cascading set of events that leads to even more financial problems. Sick, can't work, missing bills, overdrafts and late fees, etc and only two years later do they crawl out from under their troubles.

More than half of bankruptcies are caused by medical debt. While a $200 expense shouldn't send anyone spiraling into a major predicament, the reality is that people who can't scrape up small amounts to cover emergencies are in a very precarious position.
No.  Absolutely no.  This is one of those factoids that gets branded around without substance or context. While more than half of bankruptees may blame medical debt for causing their bankruptcy, in most cases they were on seriously shaky financial footing to begin with, enough where they couldn't cover an unexpected expense. If you've been in the workforce for a decade+ you ought to have tens-of-thousand$ saved up, minimum.  If outside forces (e.g. job loss) have truly kept you from saving any money then those factors led to the bankruptcy, not the unanticipated medical bill at the end.  If spent your 20s leasing new cars, going on vacations, eating at restaurants and otherwise living a life on credit and then go bankrupt when you suddenly need medical care, the medical care was just the expense that exposed the cracks in your shaky financial house.

Do some people go through bankruptcy because of medical debt?  sure.  Is it >50%?  hell no.

This is true for someone with a professional office job (although that person might have a lot of student debt because they needed to go to college to get that kind of job) but absolutely not for the millions and millions of very hard workers in blue and pink collar jobs. Not everyone who doesn't have tens of thousands in the bank has been living the high life. I believe that you can save money on nearly any income level, but for many people their savings will be very modest even if they live a very frugal life.

Absolutely.  I know tons of people in this situation.  I'm sure you do too.  Think about the daycare worker who looks after your children, the waitress at your local diner, the cashier at the supermarket, the construction worker, the janitor at the hospital.  Most of my husband's family have these kinds of jobs and have very little in savings and I don't blame then for it at all.  They lead very frugal lives.  But some jobs just don't pay much.

facepalm

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Re: Overheard on Facebook
« Reply #6989 on: December 03, 2017, 09:31:24 AM »
Hope that $200 clinic visit doesn't start a cascading set of events that leads to even more financial problems. Sick, can't work, missing bills, overdrafts and late fees, etc and only two years later do they crawl out from under their troubles.

More than half of bankruptcies are caused by medical debt. While a $200 expense shouldn't send anyone spiraling into a major predicament, the reality is that people who can't scrape up small amounts to cover emergencies are in a very precarious position.
No.  Absolutely no.  This is one of those factoids that gets branded around without substance or context. While more than half of bankruptees may blame medical debt for causing their bankruptcy, in most cases they were on seriously shaky financial footing to begin with, enough where they couldn't cover an unexpected expense. If you've been in the workforce for a decade+ you ought to have tens-of-thousand$ saved up, minimum.  If outside forces (e.g. job loss) have truly kept you from saving any money then those factors led to the bankruptcy, not the unanticipated medical bill at the end.  If spent your 20s leasing new cars, going on vacations, eating at restaurants and otherwise living a life on credit and then go bankrupt when you suddenly need medical care, the medical care was just the expense that exposed the cracks in your shaky financial house.

Do some people go through bankruptcy because of medical debt?  sure.  Is it >50%?  hell no.

This is true for someone with a professional office job (although that person might have a lot of student debt because they needed to go to college to get that kind of job) but absolutely not for the millions and millions of very hard workers in blue and pink collar jobs. Not everyone who doesn't have tens of thousands in the bank has been living the high life. I believe that you can save money on nearly any income level, but for many people their savings will be very modest even if they live a very frugal life.

Absolutely.  I know tons of people in this situation.  I'm sure you do too.  Think about the daycare worker who looks after your children, the waitress at your local diner, the cashier at the supermarket, the construction worker, the janitor at the hospital.  Most of my husband's family have these kinds of jobs and have very little in savings and I don't blame then for it at all.  They lead very frugal lives.  But some jobs just don't pay much.

Interesting article on the subject here:

https://www.bloomberg.com/view/articles/2017-01-17/the-myth-of-the-medical-bankruptcy

But can we get back to blenders?

I asked for some advice on blenders on fb. Was told to get a 600 dollar model.  ´'If you take the shortest financing option of 12 months you only end up paying 68 dollars in interest!'' :O People really finance blenders?
I'm pretty sure the last blender I bought was close to $68 total.

I'll be honest, I don't have a blender. But I do have a food processor that I also use occasionally as a blender. It cost $80. I can't imagine what a $600 blender must be able to do to be worth all that money. Is it refrigerated for long-term smoothie storage or something? Because I have a fridge already.

I don't get blenders. But then, I don't get smoothies. Why would you want to pulverized all the good stuff in your food and accelerate caloric intake? When I see an overweight person drinking a smoothie I just cringe.

I know you can use them to make sauces and such, but I can do the same thing in a food processor. And while I would like a Robot Coup, I'll stick to something cheaper. I have worked in a few kitchens (and bakeries), and fell into the snob trap of buying commercial grade cookware for a while. You know what? The lesser expensive stuff does just fine. I have a set of Forschner knives, but end up using my cheap stamped steel Dexter Russell Sani Safes more often.
« Last Edit: December 03, 2017, 09:43:11 AM by facepalm »

Just Joe

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Re: Overheard on Facebook
« Reply #6990 on: December 03, 2017, 10:28:23 AM »
Sometimes the extra cost of better cooking tools helps. I have some very cheap pots and pans that have warped over the years so that they rock on the stove top. We also have a few nicer examples that were made with thicker materials that have not warped. From time to time I've used a rubber mallet to reflatten the bottoms of the cheaper pots which dance on the stove top.

We have a mix of really cheap and somewhat better kitchen things. We're replacing with the better quality things as the cheapest stuff wears out. 

CindyBS

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Re: Overheard on Facebook
« Reply #6991 on: December 03, 2017, 10:32:37 AM »
Hope that $200 clinic visit doesn't start a cascading set of events that leads to even more financial problems. Sick, can't work, missing bills, overdrafts and late fees, etc and only two years later do they crawl out from under their troubles.

More than half of bankruptcies are caused by medical debt. While a $200 expense shouldn't send anyone spiraling into a major predicament, the reality is that people who can't scrape up small amounts to cover emergencies are in a very precarious position.
No.  Absolutely no.  This is one of those factoids that gets branded around without substance or context. While more than half of bankruptees may blame medical debt for causing their bankruptcy, in most cases they were on seriously shaky financial footing to begin with, enough where they couldn't cover an unexpected expense. If you've been in the workforce for a decade+ you ought to have tens-of-thousand$ saved up, minimum.  If outside forces (e.g. job loss) have truly kept you from saving any money then those factors led to the bankruptcy, not the unanticipated medical bill at the end.  If spent your 20s leasing new cars, going on vacations, eating at restaurants and otherwise living a life on credit and then go bankrupt when you suddenly need medical care, the medical care was just the expense that exposed the cracks in your shaky financial house.

Do some people go through bankruptcy because of medical debt?  sure.  Is it >50%?  hell no.

We have a critically ill child who had more than $2Million of medical expenses this year and I've lost my job to stay home and care for him.  I completely agree with your statement.  We've had lost wages, high deductible, and then all the little expenses that come with a sick kid - gas to drive to the hospital, groceries go up b/c of special food needs and lack of time/energy to plan, etc.  Over all, it has cost us tens of thousands a year. 

The only thing we have had to cut back on is retirement savings and vacations and are financially fine.  We are the only people with sick kids that I know that doesn't have a go fund me or ask charities for money.

BUT and this is a huge BUT - we have high wages, good insurance, are old enough to have had decades to build up our net worth, are married, have a stable community of support.   Few people have all those things, and without all of them, I think it is very easy to have a medical problem overwhelm you, especially when lost wages come into play.  In the US, we do not have a society with proper supports (for example, FMLA is a joke with a critically ill kid) that is designed to survive these devastating medical events, even when we can medically save the sick patient.   

Kyle Schuant

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Re: Overheard on Facebook
« Reply #6992 on: December 03, 2017, 05:58:46 PM »
TWO MILLION?!!!!
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StockBeard

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Re: Overheard on Facebook
« Reply #6993 on: December 04, 2017, 12:57:02 AM »
TWO MILLION?!!!!

I'm not surprised. Our 3rd kid was born prematurely and the final bill for her birth, the NICU treatment, and my wife's hospital stay was about $600K*. So, for a critically ill child who needs constant treatment, I'm actually surprised it doesn't go way higher than 2 million.

* That's what was billed to the insurance. We had to pay about $10K out of pocket.

former player

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Re: Overheard on Facebook
« Reply #6994 on: December 04, 2017, 03:55:18 AM »
Sometimes the extra cost of better cooking tools helps. I have some very cheap pots and pans that have warped over the years so that they rock on the stove top. We also have a few nicer examples that were made with thicker materials that have not warped. From time to time I've used a rubber mallet to reflatten the bottoms of the cheaper pots which dance on the stove top.

We have a mix of really cheap and somewhat better kitchen things. We're replacing with the better quality things as the cheapest stuff wears out.
Newsflash: once the bottoms of the pans have warped sufficiently to rock on the stove top they are officially worn out.
Be frugal and industrious, and you will be free (Ben Franklin)

marielle

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Re: Overheard on Facebook
« Reply #6995 on: December 04, 2017, 06:12:50 AM »
Sometimes the extra cost of better cooking tools helps. I have some very cheap pots and pans that have warped over the years so that they rock on the stove top. We also have a few nicer examples that were made with thicker materials that have not warped. From time to time I've used a rubber mallet to reflatten the bottoms of the cheaper pots which dance on the stove top.

We have a mix of really cheap and somewhat better kitchen things. We're replacing with the better quality things as the cheapest stuff wears out.
Newsflash: once the bottoms of the pans have warped sufficiently to rock on the stove top they are officially worn out.

I switched to 100% cast iron because of this reason. They're buy it for life and I might have birds one day. They recommend no non-stick for birds (and humans, really, but our respiratory systems aren't quite as sensitive).

CindyBS

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Re: Overheard on Facebook
« Reply #6996 on: December 04, 2017, 10:36:31 AM »
TWO MILLION?!!!!

Give or take $100K, yes.  My son has cancer and had a bone marrow transplant in June.  The transplant itself was about $1Million alone and included 39 day stay in the ICU.

My son has spent more than 150+ days in the hospital since his diagnosis in 2016 (unlike adult cancer, the majority of childhood cancer is treated inpatient since the treatments are so much more life threatening and intense). 

I think his pharmacy charge alone for Jan. 2017 was $156,000 (before negotiated rate which is probably more like $90,000). He takes a drug that costs $11,000 per month at home.  Chemo is big, big business where they like to price gouge people at their very most vulnerable.  The CEO of the company that makes the chemo drug he takes at home got $15 Million of compensation in 2015. 

Without the protections of the limitations of lifetime max of the ACA, our son would have completed maxed out his lifetime max in 1 year, before he even reached his 15th birthday.  This is why blanket repeal of the ACA is so extremely dangerous for those of us with critically ill kids, and we have employer based insurance.   If we had been on our previous, pre-ACA insurance plan that had a lifetime max, we would be financially ruined by now.

RidetheRain

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Re: Overheard on Facebook
« Reply #6997 on: December 04, 2017, 10:50:10 AM »
TWO MILLION?!!!!

Give or take $100K, yes.  My son has cancer and had a bone marrow transplant in June.  The transplant itself was about $1Million alone and included 39 day stay in the ICU.

My son has spent more than 150+ days in the hospital since his diagnosis in 2016 (unlike adult cancer, the majority of childhood cancer is treated inpatient since the treatments are so much more life threatening and intense). 

I think his pharmacy charge alone for Jan. 2017 was $156,000 (before negotiated rate which is probably more like $90,000). He takes a drug that costs $11,000 per month at home.  Chemo is big, big business where they like to price gouge people at their very most vulnerable.  The CEO of the company that makes the chemo drug he takes at home got $15 Million of compensation in 2015. 

Without the protections of the limitations of lifetime max of the ACA, our son would have completed maxed out his lifetime max in 1 year, before he even reached his 15th birthday.  This is why blanket repeal of the ACA is so extremely dangerous for those of us with critically ill kids, and we have employer based insurance.   If we had been on our previous, pre-ACA insurance plan that had a lifetime max, we would be financially ruined by now.

I'm sad to hear this story, I hope your son recovers from his surgeries well.

Another bad part of a blanket repeal would add insult to injury. If people can't pay their medical bills (which I think Cindy has proven is very likely) then it just goes back to the taxpayer. The government covers loss of payment for hospitals. If insurance is done and the hospital can't get money from you then they get it from the government. This includes things like the ER which is where people are more likely to end up if they can't afford preventative care. So it would be a double whammy. First, you wreck people financially that already have an illness/disease to deal with and then you charge the taxpayers more than if you just made it reasonable to begin with.
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Just Joe

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Re: Overheard on Facebook
« Reply #6998 on: December 04, 2017, 11:26:17 AM »
Did the Republican tax bill repeal the ACA too? I know they were talking about that but I never heard if they did it.

zolotiyeruki

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Re: Overheard on Facebook
« Reply #6999 on: December 04, 2017, 11:31:56 AM »
Did the Republican tax bill repeal the ACA too? I know they were talking about that but I never heard if they did it.
My understanding is that it only repeals the individual mandate, not the ACA as a whole, so all the regulations are still in place.  Of course, it still has to actually *pass* the senate, then get through conference committee, and then get passed by both houses again, so your guess is as good as mine whether it will actually happen.