Author Topic: Mustachian People Problems (just for fun)  (Read 1850294 times)

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #5600 on: October 03, 2018, 02:04:46 AM »
I have a problem being totally honest with a dear colleague.

After another co-worker had been talking about his pension, she asked me about my early retire plans. I had mentioned to her that I am working towards that because she is such a frugal person. She wanted to know when it was going to happen. My plan is somewhere in 2019, but it is depending on a big thing (selling the house for a good price), so nothing is certain. I don't want to announce a date in public and then not being able to do it. Therefore I said: before I am 50, I am now 45. That is a date I can certainly retire, as far as any future can be certain.

She was really amazed by it being so soon, especially since I now started working 80%. She even started calculating whether I would still be at work to see the new future data system go live in 2023. It felt bad not being able to share my more detailed plans with her, like I can do here on the board.

I did however tell her about the clown house and having to downsize for FIRE. She didn't really understand it until I mentioned the price we had paid for our house, which is more than twice the price of her house. I said we were depending on the house market not crashing.

Now I hope that when we put the house for sale next spring, that she doesn't understand immediately that it means FIRE until we really sell it.

Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #5601 on: October 03, 2018, 02:35:23 AM »
Linda, can't you just describe the selling of the house in the current market as a windfall to her once it happens? E.g. your plans were to retire before 50 without taking into account any gains on the house, but now you sold it for a good price as the housing market didn't crash and you can suddenly retire already?

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #5602 on: October 03, 2018, 02:55:48 AM »
Linda, can't you just describe the selling of the house in the current market as a windfall to her once it happens? E.g. your plans were to retire before 50 without taking into account any gains on the house, but now you sold it for a good price as the housing market didn't crash and you can suddenly retire already?

Yes, that might be a good idea.

solon

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Re: Mustachian People Problems (just for fun)
« Reply #5603 on: October 04, 2018, 04:03:24 PM »
I started a new thread about this, but then somebody reminded me this is an MPP.

When I started my new job in January of this year, I signed up for the HSA immediately, and maxed it out ($3,450.00) as quickly as possible. But today, they let me go.

Since I wasn't there an entire year, am I allowed to max it out? Or is my maximum contribution amount somehow prorated?

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #5604 on: October 04, 2018, 04:32:23 PM »
I started a new thread about this, but then somebody reminded me this is an MPP.

When I started my new job in January of this year, I signed up for the HSA immediately, and maxed it out ($3,450.00) as quickly as possible. But today, they let me go.

Since I wasn't there an entire year, am I allowed to max it out? Or is my maximum contribution amount somehow prorated?
If you keep qualifying insurance for the full calendar year then you can max it out.  If you switch to a non-qualifying plan then you have to pro-rate by number of months covered.

solon

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Re: Mustachian People Problems (just for fun)
« Reply #5605 on: October 04, 2018, 04:42:07 PM »
I started a new thread about this, but then somebody reminded me this is an MPP.

When I started my new job in January of this year, I signed up for the HSA immediately, and maxed it out ($3,450.00) as quickly as possible. But today, they let me go.

Since I wasn't there an entire year, am I allowed to max it out? Or is my maximum contribution amount somehow prorated?
If you keep qualifying insurance for the full calendar year then you can max it out.  If you switch to a non-qualifying plan then you have to pro-rate by number of months covered.

Yeah, that's really a bummer. One of the problems with starting a new job is you may not have access to the retirement plan right away (and I didn't) so I was excited about sheltering a little income with the HSA. Now I'm going to have to take some out.

Paul der Krake

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Re: Mustachian People Problems (just for fun)
« Reply #5606 on: October 04, 2018, 06:26:50 PM »
If you stay on the plan through Cobra, this won't be an issue. If not, you should talk to your HSA custodian to remove the excess contributions, otherwise penalties will apply.

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #5607 on: October 06, 2018, 05:18:13 AM »
My MPP of the day:

Because of frugality, FU money, (and general inherent laziness), I was able to work out a three-day workweek with my company last year.

Well, this week, Iíve had to add an extra day at work because there are so many projects going on, and I CANíT HANDLE A FOUR DAY WORK WEEK! ITíS TOO MUCH WORK! Iím exhausted.

There. Rant over. Carry on.

Edited to add: I totally get paid for working the extra day, so itís not like the company is taking advantage of me. Iím just not used to working so many days in a row.
« Last Edit: October 06, 2018, 05:20:10 AM by Freedomin5 »

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #5608 on: October 06, 2018, 07:39:47 AM »
I have a new job and my coworkers were talking about money problems over lunch. I want to go to lunch with them because want to get to know them, but I have a hard time relating to their problems. And as the most junior employee and a parttime worker, I'm sure I make a lot less than they do...

DirtDiva

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Re: Mustachian People Problems (just for fun)
« Reply #5609 on: October 07, 2018, 06:28:11 AM »
When we bought our house, the previous owner left us a mostly-full box of trash bags. They're thin and tear easily, but I didn't want to waste them so decided to use them anyway. But we don't go through that many trash bags, so 14 months later we're still using those trash bags, and I'm still cursing them almost every time I take out the trash. I long for the day we finally run out and I can go buy the Costco trash bags I like lol.

Hah! Had the same MPP with 30 rolls of toilet paper left behind by the prior owner.  Single-ply, so fragile and thin we needed twice or three times as much to do the job.   I was SO happy when the final roll was gone!

We actually wrapped up a roll and put it under the Festivus Pole for BIL as a gift after he "complimented" us on our "nice TP".

RetiredAt63

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Re: Mustachian People Problems (just for fun)
« Reply #5610 on: October 07, 2018, 12:44:25 PM »
Hah! Had the same MPP with 30 rolls of toilet paper left behind by the prior owner.  Single-ply, so fragile and thin we needed twice or three times as much to do the job.   I was SO happy when the final roll was gone!

We actually wrapped up a roll and put it under the Festivus Pole for BIL as a gift after he "complimented" us on our "nice TP".

But this is so good for your septic tank.  3-ply is a killer, according to the guy who pumps my septic tank.

/s

Fomerly known as something

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Re: Mustachian People Problems (just for fun)
« Reply #5611 on: October 07, 2018, 02:04:57 PM »
I just got a new rewards CC for Starwood (Marriott) Hotels with a 75,000 bonus with $3000 spend in 3 months.  My problem I had also just gone to the grocery store the day before as I wasn's sure when the card would arrive.  MPP, having to wait a week to need something (I used the last of the pasta) so I could start my spending.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #5612 on: October 08, 2018, 12:33:18 AM »
Got some led string lights for Halloween.  Considered putting them on a timer, but I only have a motorized timer that will probably use more power than it saves - string lights will use 5 cents of electricity if left on all month.  Now I gotta decide if itís worth the lentil calories to manually unplug

Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #5613 on: October 08, 2018, 05:55:09 AM »
This weekend I went to a work conference at a fancy hotel multiple time zones away.  Because of the time shift and the long travel day, I was in bed super early local time.   I had just fallen asleep when I heard the door furtively opening and someone coming into the room -- startled the shit out of me.  I bolted out of bed and came face to face with a flustered hotel maid who had come to do the turndown service.  English wasn't her first language, and I was half delirious, but when she showed me the chocolates I finally understood.  I felt bad for having startled her, and like a total doofus.

MPP because I have stayed at a hotel that does turndown service maybe once in my life before -- ages ago.  I forgot this was even still a thing.  My usual work conferences don't happen at hotels that fancy.  In my non-work life we always camp, or stay at cheapo hotels/AirBnBs. 

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #5614 on: October 08, 2018, 06:23:22 AM »
This weekend I went to a work conference at a fancy hotel multiple time zones away.  Because of the time shift and the long travel day, I was in bed super early local time.   I had just fallen asleep when I heard the door furtively opening and someone coming into the room -- startled the shit out of me.  I bolted out of bed and came face to face with a flustered hotel maid who had come to do the turndown service.  English wasn't her first language, and I was half delirious, but when she showed me the chocolates I finally understood.  I felt bad for having startled her, and like a total doofus.

MPP because I have stayed at a hotel that does turndown service maybe once in my life before -- ages ago.  I forgot this was even still a thing.  My usual work conferences don't happen at hotels that fancy.  In my non-work life we always camp, or stay at cheapo hotels/AirBnBs.

That would have scared the s**t out of me too.
I think I have only twice stayed at a hotel with a turndown service. I find it very disturbing that someone knocks on my door, while I am dressed in a morning coat after just having taken a shower and expect to be in my private bubble the rest of the time. The first time (our wedding night), the hotel gave us a warning that they would knock on the door soon.

Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #5615 on: October 08, 2018, 06:42:56 AM »
This weekend I went to a work conference at a fancy hotel multiple time zones away.  Because of the time shift and the long travel day, I was in bed super early local time.   I had just fallen asleep when I heard the door furtively opening and someone coming into the room -- startled the shit out of me.  I bolted out of bed and came face to face with a flustered hotel maid who had come to do the turndown service.  English wasn't her first language, and I was half delirious, but when she showed me the chocolates I finally understood.  I felt bad for having startled her, and like a total doofus.

MPP because I have stayed at a hotel that does turndown service maybe once in my life before -- ages ago.  I forgot this was even still a thing.  My usual work conferences don't happen at hotels that fancy.  In my non-work life we always camp, or stay at cheapo hotels/AirBnBs.

That would have scared the s**t out of me too.
I think I have only twice stayed at a hotel with a turndown service. I find it very disturbing that someone knocks on my door, while I am dressed in a morning coat after just having taken a shower and expect to be in my private bubble the rest of the time. The first time (our wedding night), the hotel gave us a warning that they would knock on the door soon.

I agree -- a little heads up would be nice.  They could mention it when you first check in.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #5616 on: October 08, 2018, 06:57:12 AM »
This weekend I went to a work conference at a fancy hotel multiple time zones away.  Because of the time shift and the long travel day, I was in bed super early local time.   I had just fallen asleep when I heard the door furtively opening and someone coming into the room -- startled the shit out of me.  I bolted out of bed and came face to face with a flustered hotel maid who had come to do the turndown service.  English wasn't her first language, and I was half delirious, but when she showed me the chocolates I finally understood.  I felt bad for having startled her, and like a total doofus.

MPP because I have stayed at a hotel that does turndown service maybe once in my life before -- ages ago.  I forgot this was even still a thing.  My usual work conferences don't happen at hotels that fancy.  In my non-work life we always camp, or stay at cheapo hotels/AirBnBs.

That would have scared the s**t out of me too.
I think I have only twice stayed at a hotel with a turndown service. I find it very disturbing that someone knocks on my door, while I am dressed in a morning coat after just having taken a shower and expect to be in my private bubble the rest of the time. The first time (our wedding night), the hotel gave us a warning that they would knock on the door soon.

I agree -- a little heads up would be nice.  They could mention it when you first check in.

Whenever I am in a hotel room I leave out the do not disturb sign.

I'm a red panda

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Re: Mustachian People Problems (just for fun)
« Reply #5617 on: October 08, 2018, 07:20:47 AM »
Use all the locks on hotel doors!  (Not just the bolt but also the chain lock/door latch.

It is not unheard of for a hotel to accidentally give your room to someone else- if you are in there, you want the latch closed, not just the regular locks.

Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #5618 on: October 08, 2018, 07:25:33 AM »
Use all the locks on hotel doors!  (Not just the bolt but also the chain lock/door latch.

It is not unheard of for a hotel to accidentally give your room to someone else- if you are in there, you want the latch closed, not just the regular locks.

Yes you are absolutely right.  And I usually do always use the chain/latch in a hotel room -- I just didn't this one time because I had fallen into bed exhausted . . . Will not happen again.

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #5619 on: October 08, 2018, 07:52:36 AM »
Use all the locks on hotel doors!  (Not just the bolt but also the chain lock/door latch.

It is not unheard of for a hotel to accidentally give your room to someone else- if you are in there, you want the latch closed, not just the regular locks.

Yeah.  This.
I was once given a door-card at a hotel -- and when I entered the room shortly before midnight, I startled the guests who were already occupying the room.

ditheca

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Re: Mustachian People Problems (just for fun)
« Reply #5620 on: October 08, 2018, 10:43:07 AM »
1. I have so much income (82k, LCOL) that I never learned how to budget.

2. Currently taking a Personal Finance course through my church to fix the first problem.  It is uncomfortable to discuss my budget with friends who live paycheck to paycheck while I invest $3000/month.  I probably shouldn't have mentioned the donor advised fund I set up last year to optimize tax benefits for my charitable giving.

3. I contacted payroll this week to ask why they weren't withholding any federal income tax.  Turns out I won't owe any this year.  Again.  It's hard to feel rich when I'm too poor to pay taxes.

solon

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Re: Mustachian People Problems (just for fun)
« Reply #5621 on: October 08, 2018, 03:05:42 PM »
1. I have so much income (82k, LCOL) that I never learned how to budget.

2. Currently taking a Personal Finance course through my church to fix the first problem.  It is uncomfortable to discuss my budget with friends who live paycheck to paycheck while I invest $3000/month.  I probably shouldn't have mentioned the donor advised fund I set up last year to optimize tax benefits for my charitable giving.

3. I contacted payroll this week to ask why they weren't withholding any federal income tax.  Turns out I won't owe any this year.  Again.  It's hard to feel rich when I'm too poor to pay taxes.

These are great!

radram

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Re: Mustachian People Problems (just for fun)
« Reply #5622 on: October 08, 2018, 04:29:19 PM »
It's hard to feel rich when I'm too poor to pay taxes.

Best comment I have read in a LONG time.

I'm not just a fan, I am also a client :)

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #5623 on: October 09, 2018, 09:56:12 AM »
Got some led string lights for Halloween.  Considered putting them on a timer, but I only have a motorized timer that will probably use more power than it saves - string lights will use 5 cents of electricity if left on all month.  Now I gotta decide if itís worth the lentil calories to manually unplug

I know the feeling. We could have gotten public funding for energy measures for our house, but the funding required installing balanced ventilation. Installing that kind of equipment would cause our electricity consumption to increase, not decrease.

GreenSheep

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Re: Mustachian People Problems (just for fun)
« Reply #5624 on: October 09, 2018, 12:26:13 PM »
I used to enjoy finding a forgotten $10 or $20 (or even less) in a coat pocket or something every 2-3 years... and a couple of times I "hid" money from myself in, say, a seasonal article of clothing so I'd forget about it before finding it again the following year. Now that I keep track of every single penny that comes or goes, there's no unaccounted-for money to accidentally or intentionally "find." Probably for the best in the long run, though.

zolotiyeruki

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Re: Mustachian People Problems (just for fun)
« Reply #5625 on: October 09, 2018, 12:39:23 PM »
Got some led string lights for Halloween.  Considered putting them on a timer, but I only have a motorized timer that will probably use more power than it saves - string lights will use 5 cents of electricity if left on all month.  Now I gotta decide if itís worth the lentil calories to manually unplug

I know the feeling. We could have gotten public funding for energy measures for our house, but the funding required installing balanced ventilation. Installing that kind of equipment would cause our electricity consumption to increase, not decrease.
Along the same lines, our state offers rebates for energy efficiency improvements, including insulation.  The hitch is that you have to hire a contractor to do it.  For a DIYer like me, that pretty much negates the benefit of the rebate.

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #5626 on: October 11, 2018, 02:02:19 AM »
Got some led string lights for Halloween.  Considered putting them on a timer, but I only have a motorized timer that will probably use more power than it saves - string lights will use 5 cents of electricity if left on all month.  Now I gotta decide if itís worth the lentil calories to manually unplug

I know the feeling. We could have gotten public funding for energy measures for our house, but the funding required installing balanced ventilation. Installing that kind of equipment would cause our electricity consumption to increase, not decrease.

This can be subject to various factors. If you live in a climate where you heat the house in the winter this may actually save power because a well adjusted ventilation keeps the humidity at the right levels which decreases heating cost.
At our house we had a mechanical ventilation unit using AC power which was replaced with a DC motor version, saves up to 60 percent in power and has a sensor which ups the RPM if relative moisture is above X percent.

Funny thing was that we also had an electric watertank which we replaced by a tankless electric heater for the hot tapwater which actually saved us money (despite it being relatively inefficient). This is because the tank kept the water at 60 degrees C regardless of demand. The tankless only uses what we require and energy consumption has dropped 4kwh on a daily average.
We are looking into adding a solar tank for the tapwater but the investment just isn't justifiable. We do have a Heatpump for indoor heating though as well as Electric solar panels so on the grand scale of things we are relatively environmentally friendly.

Oh, and if a string of LEDs has 100 LEDs at .5watts each you are still using 50watts.

Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #5627 on: October 11, 2018, 05:51:21 AM »
So when I was young my parents got this savings/stock account for me. The policy finishes next month and money will be transferred to my regular bank account. With the recent dip I thought YAY, hope stocks will still be cheap by then so I can stock up.

Until I realized that the money is currently also in stocks and will have probably dropped as much as my regular stock accounts :(

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #5628 on: October 11, 2018, 06:25:52 AM »
So when I was young my parents got this savings/stock account for me. The policy finishes next month and money will be transferred to my regular bank account. With the recent dip I thought YAY, hope stocks will still be cheap by then so I can stock up.

Until I realized that the money is currently also in stocks and will have probably dropped as much as my regular stock accounts :(

Can't you contact the company that has the policy and ask for it to be paid out in stocks, instead of cash?

weirdlair

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Re: Mustachian People Problems (just for fun)
« Reply #5629 on: October 11, 2018, 09:11:45 AM »
MPP: In spite of the doom-and-gloom headlines, you are secretly just fine with a hefty stock market drop, because you know it will jump-start the excellent Top is in thread. :)

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #5630 on: October 11, 2018, 03:31:06 PM »
I used to enjoy finding a forgotten $10 or $20 (or even less) in a coat pocket or something every 2-3 years... and a couple of times I "hid" money from myself in, say, a seasonal article of clothing so I'd forget about it before finding it again the following year. Now that I keep track of every single penny that comes or goes, there's no unaccounted-for money to accidentally or intentionally "find." Probably for the best in the long run, though.

Gotta update that ďcoatmoneyĒ account in Mint

SwissMiss

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Re: Mustachian People Problems (just for fun)
« Reply #5631 on: October 11, 2018, 11:27:20 PM »
I FIREd last week and had my goodbye party yesterday. I received a gift voucher of over CHF 500.- (USD 500.-) from my very kind work colleagues. I don't know what to spend it on... (fortunately it's valid for 2 years).

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #5632 on: October 12, 2018, 03:25:50 AM »
I FIREd last week and had my goodbye party yesterday. I received a gift voucher of over CHF 500.- (USD 500.-) from my very kind work colleagues. I don't know what to spend it on... (fortunately it's valid for 2 years).
Ui! Congratulations!

heybro

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Re: Mustachian People Problems (just for fun)
« Reply #5633 on: October 13, 2018, 03:21:54 AM »
My yearly spending is so low, I can only track it with a 3X4 index card.
« Last Edit: October 13, 2018, 03:26:49 AM by heybro »

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #5634 on: October 13, 2018, 03:46:17 AM »
My yearly spending is so low, I can only track it with a 3X4 index card.

Pics or it didn't happen.

heybro

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Re: Mustachian People Problems (just for fun)
« Reply #5635 on: October 13, 2018, 03:53:35 AM »
You break in to applause when someone yells Fire in a crowded room.

heybro

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Re: Mustachian People Problems (just for fun)
« Reply #5636 on: October 13, 2018, 03:56:42 AM »
Your balance after a 50% drop in the stock market brings you back fond memories.

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #5637 on: October 13, 2018, 08:43:22 AM »
It's looking like I'm going to be missing out on contributing the ~$7000 to an HSA next year.  My employer offers a few different medical plans, including an HDHP/HSA plan and some non-HDHP/HSA plans. However, the different plans also have different doctor networks.  In order to retain my current care providers, I have to choose the non-HSA plan.  The non-HSA plan also has higher payroll contributions from me. Overall, due to the loss of tax-deductiblity and the increased payroll contributions, it's a difference of a several thousand dollars to me.

What particularly stings is, this is the second year in a row that my employer has "played games" with their plans and networks of doctors. My family specifically changed all of our doctors in 2018 in order to stay on the HSA plan that they offered.  Now, in order to keep the same network of doctors, I have to chose their non-HSA plan for 2019.  How ridiculous is that?

MPP? Certainly. I can easily take the hit of $3-5K (of additional expense + lost HSA opportunity) in 2019.  It's just very disappointing to me.  I'm essentially "paying up" just to keep some doctors that I think are really great.

Non-MPP Portion: We really need to de-couple health insurance/care from employment/employers in this country.
« Last Edit: October 13, 2018, 08:58:21 AM by rantk81 »

Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #5638 on: October 13, 2018, 10:12:03 AM »
Your balance after a 50% drop in the stock market brings you back fond memories.

lol

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #5639 on: October 13, 2018, 10:17:03 AM »
Our washing machine is acting up. It's still working, but sometimes it won't start. I can't find the cause, but the repair guy won't even come over to have a look after I told him the make and age. It's from '06 and I got it for free in '11.

If it really stops working completely, we've already got a replacement. A friend of ours sold us her '15 machine for Ä50 last year and that one has been waiting in a corner of the kitchen ever since.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #5640 on: October 13, 2018, 10:51:33 AM »
Our washing machine is acting up. It's still working, but sometimes it won't start. I can't find the cause, but the repair guy won't even come over to have a look after I told him the make and age. It's from '06 and I got it for free in '11.

If it really stops working completely, we've already got a replacement. A friend of ours sold us her '15 machine for Ä50 last year and that one has been waiting in a corner of the kitchen ever since.

LOL. My dryer is 30ish years old. The "matching" washer (got both for free) died an unrepairable death, so I got a speedqueen last year. I am curious how long the dryer will last.

Cherry Lane

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Re: Mustachian People Problems (just for fun)
« Reply #5641 on: October 13, 2018, 11:06:45 AM »
Our washing machine is acting up. It's still working, but sometimes it won't start. I can't find the cause, but the repair guy won't even come over to have a look after I told him the make and age. It's from '06 and I got it for free in '11.

If it really stops working completely, we've already got a replacement. A friend of ours sold us her '15 machine for Ä50 last year and that one has been waiting in a corner of the kitchen ever since.

LOL. My dryer is 30ish years old. The "matching" washer (got both for free) died an unrepairable death, so I got a speedqueen last year. I am curious how long the dryer will last.

My washer and dryer are at least that old.  When I bought the house 13 years ago the home inspector warned me I'd probably need a new washer shortly.  That (plus the dryer, which I rarely use) is about the only thing remaining I haven't had to replace in that time!

(I have had to replace refrigerator, range, kitchen sink, water heater, furnace, a/c ...)

Goldielocks

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Re: Mustachian People Problems (just for fun)
« Reply #5642 on: October 13, 2018, 11:16:50 AM »
I recently made a drug claim on my DH's benefit plan.

After receiving a weirdly low reimbursement amount and asking about it, I think I have found an error in the calculation used in determining reimbursement.

MPP - I don't think the vast majority of people would catch this, and in trying to get to the bottom of it, I have managed to rule out (via slow emails) any other factor other than a calculation. 

I have one question left to rule out, because there is a chance that their idea is that the generic costs 75% than Walmart Pharmacy says that it costs... but how that can be?!

MPP -- it is virtually impossible to get customer service to answer my question, "Can you tell me what the eligible maximum is for drug X (your approved generic)?"   The answer, by email, after waiting 2 weeks for a response is that "Drugs are paid to the maximum of the generic alternative, after deductible".

UGH!

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #5643 on: October 13, 2018, 11:50:09 AM »
My yearly spending is so low, I can only track it with a 3X4 index card.

Pics or it didn't happen.


radram

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Re: Mustachian People Problems (just for fun)
« Reply #5644 on: October 13, 2018, 12:04:59 PM »
It's looking like I'm going to be missing out on contributing the ~$7000 to an HSA next year.  My employer offers a few different medical plans, including an HDHP/HSA plan and some non-HDHP/HSA plans. However, the different plans also have different doctor networks.  In order to retain my current care providers, I have to choose the non-HSA plan.  The non-HSA plan also has higher payroll contributions from me. Overall, due to the loss of tax-deductiblity and the increased payroll contributions, it's a difference of a several thousand dollars to me.

What particularly stings is, this is the second year in a row that my employer has "played games" with their plans and networks of doctors. My family specifically changed all of our doctors in 2018 in order to stay on the HSA plan that they offered.  Now, in order to keep the same network of doctors, I have to chose their non-HSA plan for 2019.  How ridiculous is that?

MPP? Certainly. I can easily take the hit of $3-5K (of additional expense + lost HSA opportunity) in 2019.  It's just very disappointing to me.  I'm essentially "paying up" just to keep some doctors that I think are really great.

Non-MPP Portion: We really need to de-couple health insurance/care from employment/employers in this country.

So you recently switched doctors, and you are now willing to pay $5,000, AND forgo $7,000 in a HSA to keep them? They must really be great.

Can you switch plans, take the savings, contribute to the HSA, and then just go see your old doctor and pay cash? How much would that cost?

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #5645 on: October 13, 2018, 12:07:55 PM »
So you recently switched doctors, and you are now willing to pay $5,000, AND forgo $7,000 in a HSA to keep them? They must really be great.

Can you switch plans, take the savings, contribute to the HSA, and then just go see your old doctor and pay cash? How much would that cost?

The 5,000 figure includes the loss of the tax benefit for the HSA.
Yes, they are really great -- and it isn't just one doctor.. it is a whole bunch of doctors. And not just for me, but for my family.

radram

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Re: Mustachian People Problems (just for fun)
« Reply #5646 on: October 13, 2018, 12:14:19 PM »
So you recently switched doctors, and you are now willing to pay $5,000, AND forgo $7,000 in a HSA to keep them? They must really be great.

Can you switch plans, take the savings, contribute to the HSA, and then just go see your old doctor and pay cash? How much would that cost?

The 5,000 figure includes the loss of the tax benefit for the HSA.
Yes, they are really great -- and it isn't just one doctor.. it is a whole bunch of doctors. And not just for me, but for my family.

I see. I understand wanting to keep doctors. We had a great one, but he retired (the NERVE of that guy :). His replacement was also great, just not the same. Then we were forced to switch providers. I didn't like the new one, but he left. Now getting my 4th doctor in 6 years.

markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #5647 on: October 13, 2018, 12:28:55 PM »
My yearly spending is so low, I can only track it with a 3X4 index card.

Pics or it didn't happen.


I'm reminded of the 3"x4" index cards of notes  we were allowed to use for physical chemistry tests.
the rules? one side only, turn it in with your test, no mechanical reproduction (hand-written only)

The result, my highest grade, a 65/100, a solid A+, dancing in the dorm hall.

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #5648 on: October 13, 2018, 02:21:49 PM »
I have 27k+ points for SAS Eurobonus that start expiring in January. But I've stopped flying privately for environmental reasons, and can't get myself to break that habit even for a free trip. The stuff in the Eurobonus shop is overpriced stuff I don't need. Maybe I can find a christmas gift for someone there, except we have almost stopped giving gifts between family and friends...

Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #5649 on: October 14, 2018, 01:41:08 AM »
I have 27k+ points for SAS Eurobonus that start expiring in January. But I've stopped flying privately for environmental reasons, and can't get myself to break that habit even for a free trip. The stuff in the Eurobonus shop is overpriced stuff I don't need. Maybe I can find a christmas gift for someone there, except we have almost stopped giving gifts between family and friends...

Is there an option to donate the points? This is what I've done with my Flying Blue points when they were about to expire and it wasn't enough to use for anything (only 5k points or so).