#if I’m paying $300 a month for health insurance i might as well use it

[reikunrei]

and what if this week, i look into starting on testosterone. what then.

[vtforpedro]

long, long health update - tw in tags please read them

I am going to speak very frankly about suicidal ideation; please don't read further if this is triggering for you ;3; but please know that I love you I had my follow-up appt with my neuropsych on monday to go over my results and whatnot. it was virtual, and I was in the middle of a head episode and I told her I wasn't doing well, but within about 5-10 minutes, she was saying I should probably go to the ER lkajflaj I guess it looked pretty bad lmao anyway I told her all the reasons I couldn't. medical trauma, being dismissed b/c I have doctors who manage my headaches, and I know it's not life-threatening even if it is 10/10 agonizing, so why are you here. they're so dismissive. she said that they have medication to possibly help break the cycle of constant migraines but I've been treated with those before and they didn't do shit migraines are secondary to iih. it's the iih that needs to be fixed ._. she said I still deserved to not suffer and that the ER is very strict about keeping covid patients away from other patients and I didn't have the heart to tell her they intubated a covid patient 10-15 feet away from me last time I was in an ER 😭 anyway so the results. she said she wasn't worried about anything going on that was concerning or indicating something wrong in my brain. I DID score quite a bit lower for someone my age on information processing (which is exactly what I said I was struggling with to my two neuros who were both like ehhh) and some issues with memory but they weren't super specific and so it could be something neurological, could be my migraines and constant agony lmao, could be my Emotional State. could be all of them at once, I suppose ;) she went into more detail about some of these things but it was the two questionnaires I filled out that were HNNN. so once all the data is entered from like 300 questions it shows a good look into my personality and perceptions and all that and it makes a cool little graph (OR SO I THOUGHT). the kind that looks like mountain peaks. so she points at the one that is waaay higher than the rest and nearly touching the top of the box and she's like 'do you see this one' me: yeah 😬 her: this is your feelings and ideations about suicide me: 😬 😩 😬 her: when I see a score this high, I stop what I'm doing and I call the police to have them escort you to a hospital me: 😬😬😬😬😬 her: but I didn't do that. because when we spoke in office you told me you felt this way and why you don't do it. you told me it's something you've lived with for a long time and the pain you are suffering is what makes it so bad. and I trust you me: 😭😭😭 okay her: do you see this line down here? this is people who have suicidal ideation recorded on this test. you scored 98% higher on suicidal ideation compared to people reporting suicidal ideation HNNNNNN. she said it probably wasn't surprising to me and asked me if I was safe again and all that. I assured her I was and said in my previous appointment; I've had suicidal thoughts since I was like 12? maybe earlier. there have been very few times in my life not surrounded by abuse and trauma so I'm never really free of it. I've had four traumatic incidents causing increasingly horrible episodes of ptsd in nine years. all through my 20s. still here woo, lol and she said she knew that and had a patient not long after my first appointment who had similar circumstances in their life. and they told her it's almost a comfort having it. cause I was saying it's in the back of my mind at all times and I won't do it, but yeah, it's always there. anyway she said they said the same thing; it's always there, always in the background as 'hey I'm an option!' even though we aren't going to harm ourselves. it's a comfort knowing there is an option even if we plan on never using it? idk it just spoke to me and I felt it in my soul we talked about some emotional stuff after and I cried and it was a thing. it felt really good to speak to a psychologist who, just as she was in the first appointment, seemed genuinely concerned and wanted to help

me. I told her I was ready for therapy and she said she'd already looked for therapists for me lkasjdlkja and gave me a group that I emailed yesterday. I don't think they'll take my insurance but she said to message her through the portal if they don't and she'll try to find someone who does I don't remember if I mentioned it, but since she knew about the head shit before I met her, she dimmed her office lights without asking if I needed it and like as soon as we started the virtual visit, she leaped up and dimmed them and said she should've thought about it before the appt 😭 (I keep my brightness really low on my computer and use the warming feature 24/7 on comp and phone and my apt is really dimmed but it still helped a lot when she did it) she kept saying 'you did nothing wrong. it was the choice of others to do what they did. you don't deserve to carry their choices. you deserve to be able to hand it back to them. you don't deserve to be in pain. you did nothing wrong. you deserve to be free of what they did and you deserve to not suffer in such physical pain' I'm so wary of doctors but I really like her and I feel fortunate to have been referred to her ;3; speaking for a long time and especially emotionally is hard for me, so I might try to do two sessions a month once I find a therapist and see if I'm ok with that. trying to keep everything virtual while delta is out there I read her report and her official diagnosis is uhh really strong for major depressive disorder, severe. and severe ptsd with disassociative symptoms so!!! I claimed both of those on my disability application and the person handling my claim told me when I had this appt to call and let her know because she wanted the info. I signed a release the day I was there when I told my neuropsych that cause MH stuff is different than other medical records. she said she faxed it to the woman handling my disability application but I was gonna call her and ask if she received it and also tell her I have a new neuro so she will probably request his stuff too I called today and her voicemail box is full so lol try again later today's been awful. last night was horrible. got a bill for over $800 from my colonoscopy/endoscopy even though I asked numerous times if insurance was covering it and was told yep, every penny. so I was on the phone with insurance and the surgery center for 45 minutes. insurance seemed confused af but the agent I spoke with got some help from people who handle this stuff I guess finally she told me not to pay it, they're going to send them a letter to get it sorted (idk if this means I won't have to pay it at all or if they're going to try to make it that way. but I think govt insurance, which is what I have, works differently. like doctors kinda have to follow what they say vs. the other way around) and not worry about it for the next 30 days. I'm still gonna worry about it lmao they used a nice scare tactic on the bill that this was the 'LAST AND FINAL NOTICE' despite the fact they've never sent me anything else. my mom and the insurance agent said nah that's just what they do to scare people into paying fuckin love america <3 land of the free. the american dream! greatest country on earth 💜🖕💜 I just don't want it to go to collections and have to fight credit bureaus to get it off my credit so it's not destroyed |: anyway my head hit like 10/10 bad while I was on the phone cause of the talking a lot and trying to PROCESS INFORMATION and stress and also the fucking hold music, which I have to hear in some way b/c I gotta know when they're back on the line hnnnnn bad day. it's 1pm and bad, bad, bad day. bad month all around. I want this shit to stop anyway. I'm sorry about the suicidal ideation talk, but it's important to talk about that stuff. it can get severe but it can also get better. it does, eventually, even if it comes and goes. it always does get better I'm sorry, I also really needed to get this down somewhere. feel like I'm going to explode emotionally AND physically and I need to talk about it. hopefully

soon I'll have a therapist to talk to so I can get a lot of this stuff worked on. got my whole life to chat about so it'll probably take a long time but I'm willing to let it lmao therapy doesn't usually work for me anymore but idk I've had a lot of shit happen in less than two years so maybe it will this time I'm trying! I really am trying if you read this rambling monster, thank you. love you all and please stay safe

[jenroses]

Fun times on the prescription refill calliope below the cut:

1. Fondaparinux: This medication is the only anticoagulant that a) my insurance covers, b) I am not allergic or otherwise sensitive to, c) that doesn’t cause me great pain administering it and d) doesn’t make my hair fall out. (keep in mind my hair is a half inch long, this is not a major consideration, but given a choice I will choose the thing that does not make my hair fall out.) I’m also stable on it.

2. Therefore almost no doctors have heard of it, I had to fight tooth and nail to get it prescribed and eventually did an end run around the doctors who should have known enough about it to prescribe it but didn’t “feel comfortable” even though they told me the other option literally increased my risk of death (and caused me great pain and made my hair fall out.)

3. I can safely go a day without anticoagulation. I cannot go multiple days without risking a DVT or pulmonary embolism. I’ve had at least 1 dvt and four PEs, so this is important. Because of my general inflammation level and exercise intolerance, I am very high risk for clots and the only reason I’m not fully therapeutic level on anticoagulants is that I have other meds that muck around with how I process anticoagulants and so I need to be a little lower or I bleed. This is a balanced system which requires that I take this drug EVERY DAY or I could stroke out or have an embolism. My last two embolisms were silent other than SOB. They formed in situ, rather than migrating. It’s Not A Good Idea to muck around with this.

4. So I did a lot of research into every alternative and they either contained things I’ve reacted to or they are specifically excluded from my insurance as “too new” or experimental. I’m genetically prone to not handling warfarin well, in a “I go from not anticoagulated to peeing blood with no warning” sort of way. Xarelto caused me so much joint pain that it was probably responsible for the failure of at least six rheumatoid arthritis drugs. Lovenox is fine at 40 mg. They wanted me to take 180 mg twice a day. That shit HURTS. It was not good for my mental health. The fondaparinux is once a day and the same volume as the 40 mg of lovenox, it rarely hurts at all. 

5. Because Fondaparinux is not prescribed very often, hardly any pharmacies carry it. I used to be able to get it at my local Savon, but not walgreens, bimart, costco or any of the other ones I called. 

6. Savon only filled 22 the last time they did it because their distributor stopped carrying it.

7. I called around, a lot, finally resorting to the specialty pharmacy that handled my Humira, and they said, “Oh, the hospital pharmacy will have it.” 

8. The hospital is 100 miles from my house. But they will ship it!

9. I have new secondary insurance, which is good, because my primary took this generic drug and made it tier fucking 4 which is a 50/50 copay on a drug that’s about $1100 per month rather than the $10 per month I paid last year. Secondary insurance will cover it... IF ANY PHARMACY CAN FIGURE OUT TO DO THIS CORRECTLY. It took some doing to get it covered but they finally did it.

10. They filled the script and sent me 30 syringes because it’s dosed by the syringe, one syringe a day.

11. I called for a refill. After not seeing or hearing anything for 5 days, I called and they said, “It’s sitting here ready for pickup, and the copay is $300.”

12. I had them rebill it, and they sent it, and I recieved... 12 syringes. 3 days before I was due to run out. 

13. I called and asked wtf this is not a month’s supply and they said, “Oh, your doctor prescribed it that way.” Then the person I was talking to made some noise about “36 is a 3 month supply so 12 is a 1 month supply” and I said, “That’s not right, you got this right last month, why are you doing this?”

14. I called the doctor’s office, and they said, “We prescribed it the way we were told to prescribe it,” and we tried to figure out how they got 12 and I was like, “Maybe they thought since it was .4 ml per syringe that it was 12 ml total and got confused?” (the math isn’t quite right on this, but anyway.) 

15. I called to get it refilled when I had like, 8 or 9 syringes left, like 5 days after I got it, and they said, “We’ll send the request to the doctor.” I said, “Make sure it’s for 30 syringes per 30 day period.”

16. Nothing happened. So I called the doctor’s office and they sent a note back. Nothing happened. 

17. I called the pharmacy and then the doctor’s office like... 6-8 times in a 4 day period. 

18. Every time the pharmacy said, “We’re waiting on your doctor” and the doctor said, “we don’t have a request.”

19. I finally made everyone talk to each other and then it got REALLY screwy. 

20. I talked to the pharmacy, called the doctor’s office, waited, then the same day, the doctor’s office called me and told me the pharmacy told them that the copay was too high and it should be sent to a different, even harder to deal with pharmacy. 

I called my secondary insurance company to ensure that yes, they would pay for it and they said, “Oh, they never even tried to bill us.”

Reader, I might have lost my shit. I managed to keep it together enough to call my doctor’s office back to say, “Send the prescription back to that pharmacy. I will call them and give them instructions.”

I called the pharmacy back, and said, “You will be getting the refill within minutes. DO NOT let your pharmacist send it back. Bill the first insurance, and then bill my secondary insurance the way you’ve had to for every other script you’ve filled for me. The copay will be zero. Please deliver the medication as soon as possible.”

And then I waited on hold, for the last 20 minutes of a total of 3-4 hours on the phone.  

And when she came back to talk to me, she said, “We have to order it, so it won’t be there until Friday.”

NGL I assumed at first she meant 10 days from now. I said, “This Friday?”

And yes, this Friday. I’ll still have 3-4 syringes on hand when it gets here. 

Anyway, that’s where 100% of my executive function for at least a week has gone. 

Insurance won’t allow a 90 day fill on this drug this year. This drug that I will probably be taking for YEARS. 

[madrabbitsociety]

Sometimes, and I do not mean for this to sound malicious, which it will, I feel the need to defend hairdressers. 

Hairdressers and hair stylists are skilled technicians who go through thousands of hours of training in order to hone their craft. Some of us were lucky enough to go to a technical school while in high school and are not in debt. I, however, paid almost $25,000 to go to school. I had to go for 1500 solid hours. In my state, that meant Mon-Thurs evenings for 5 hours a night. In my opinion, people don’t give stylists enough credit for what they need to know to get licensed in their state. Specifically, my license is for cosmetology. I had to know skin disorders, chemical reactions, actual strand structure - and we still don’t get told enough because we don’t get proper training on different types of hair, but that’s a whole different post that a lot of other people have done better than me. 

The predominant way we are paid in the industry is via commission. So if we have no one scheduled, we don’t get paid. If we have a client cancel, we don’t get paid. At my first salon I was expected to stay as early as I could to as late as I could, unpaid, just in case someone came in. Of course, corporate places are mildly better in that they offer a minimum wage, but that’s usually somewhere between $7-9 an hour. In order to earn commission in that type of situation you have to do more in services than what you would have been paid for the hour. Again, probably an entire post in itself. 

I tried a lot of places. I paid a lot of money for a license I was very proud to own. The final straw was a salon near my house. Personality-wise, I really felt like it would work out because I enjoyed the people I was around and I was disappointed when it didn’t work. When I first started, they insisted I do two unpaid apprenticeship days because I was (licensed for 6 months at that time) too new to work on their clients. They would provide models and charge the models a lower service fee than their usual service fee. I would then have two paid days at $10 an hour where I would basically follow the owner around, clean and do shampoos. On my days off, I was expected to want to come into the salon and continue to apprentice for free. There was a point in my apprenticeship phase where I was only being paid two days for 5-6 days worth of work. 

Again, this is not uncommon in the industry. Maybe not to this extreme, but certainly there’s a lot of free work being done. Does your stylist have someone help them blowdry? You might want to make sure that apprentice is being paid.

My skills did improve greatly during this period, but I maintain that was because I put a lot into it. The owner took all the credit- through his great teaching methods, I was becoming an ‘okay’ hairdresser. 

During the apprenticeship, unless you handed me a cash tip, he kept all of my credit card tips. So if you added a tip after service with your credit card, the salon kept them because they said I was using their electricity/taking up space in the salon and I needed to pay for that.

In addition to all of the time I listed above actually being in the salon, I was also expected to attend continuing education classes. In summary, and again this is not an uncommon culture in the industry, if you do not eat-sleep-breathe HAIR, you are told you’re not good and you won’t do well. The only exception seems to be if you have children, but if you’re single/without kids they will work you to the bone.

When I was finally promoted to a junior stylist, I stopped being paid hourly at all. I was told I would get 36% commission for services and I was specializing in color corrections/the blonding journey at the time, so I was doing $200-300 services quite often. Some of those services took 4-6 hours of my time, but if I had no one scheduled I was still expected to straighten up, do laundry, sweep the floors and help other stylists with color application and blowouts. Which is fine, kind of. The problem became that from the start of my journey at that specific salon, I would be expected to arrive when we opened at 10 AM and stay until the owner finished his clients- sometimes I didn’t leave until 11-12 PM, and was expected to come back the next day. 

So yes, one $300 color service could mean that I earned 14-16$ an hour, but… when you’re working 10-12 hour days that kind of knocks it down to minimum wage again.

Then there is the opinion that this is an easy job that so many people can do and you don’t need to be vaguely intelligent to do it. That the people who chose hair are stupid or unskilled. I was sitting on the steps of my school once, reading an Agatha Christie book and comparing certain passages to an ACD Sherlock Holmes story via text message with SpicyMags, when an older couple walked by. The man looked up at the school sign and scoffed, “These girls are getting suckered into a scam. This is nothing but a scam and they’re stupid enough to fall for it.” 

Well, in retrospect, he’s not wrong, but at the same time when you know the blood and sweat and tears- the thousands of hours and dollars that are poured into not only the initial licensing but the continued education classes- being a hairdresser is so much more than people give it credit for. It’s an abusive industry that exploits a lot of unpaid labor and even when you get to a point where you have skill, where you are an artist, you have people asking for a luxury service and then complaining when that unnecessary luxury costs them actual money. 

One last thing I’d love to point out- the 100% customer service guarantee. A lot of salons these days are trying to change, but a lot of them also still have a guarantee that if you don’t love your hair, you get a free redo or a refund. Do you know what that means? Your stylist doesn’t get paid.

So I can spend 6-8 hours on your hair after you tell me it’s been box dyed brown attempting to take you through the lightening journey to get it blond. I can tell you that because of the molecules and ingredients in the dye, the actual damaged structure of your hair, that it is not possible to do it all in one day but I can get you close. I can explain to you the entire process, waste all my time being completely honest with you about how golden it’s still going to look because it IS a journey/process, and at the end you can decide that because I didn’t get your hair to solid white in one go that you want a refund…

And I don’t get paid for the entire day that we spent together. 

That’s some fucking bullshit, but it’s - and this is a quote from several of the places I’ve worked- an “industry standard”. 

The cherry on this shituation cake is that we also don’t get any health benefits, life insurance, retirement- no freaking anything (corporate salons being a slight exception although having worked in the medical field I can tell you the benefits offered by corp. owned salons are not great.)

So please, next time you decide that it’s laughable that a salon quotes you $150 for a craft haircut that takes a certain level of knowledge and skill, remember that the salon gets most of that and if you don’t like it there’s a huge change your stylist isn’t getting paid.

Edit: Things that I did not mention but should have- the toll it takes on your body (repetitive motions and standing in heels on concrete floors cause back issues, neck and hip issues, knee issues, carpal tunnel and risk of cutting off your knuckle with your instruments). I had to sign a release that my school was not responsible for me cutting any part of my body with my shears (I’ve had bosses who lost toes and knuckles). You think that heels thing is a joke? I’ve worked in several salons where ‘female’ stylists were required to wear heels and at least three items of make-up because ‘this was the beauty industry and we had a standard to keep’. Say you gather a clientel and can rent your own chair or booth, you’re responsible for purchasing every single bit of supplies you might need to continue doing what you’re doing, so you’re still having business costs eat into your hourly wage. People need to give a fucking standing ovation to hairdressers, okay, because this industry is brutal.

I’m not saying I dislike doing hair, or that I’d never do hair again, but there are several reasons I’m not doing it right now. 

[trans-hacker]

HRT MtF Week 0

Hey Everyone, so I got started on HRT, finally, and I figured I'd share the experience for my own documentation looking back, and for anyone wanting to know the process before they start.

I went with Planned Parenthood's Informed Consent. I chose to self-pay for the appointment. Reasons being: Terrible insurance and it'd be much more complicated to get in to see a mental health professional and be made to prove my "Trans-ness" in a town lacking in trans-specific care. I also had the ability to drive out of town to make my appointment.

My first appointment ended up costing me a little more than $300, but this is because I opted to lump in my STD screenings while I was there. At the Denver Centeral location, it seemed that cost of the appointment was a fixed cost, and not on a sliding scale.

I scheduled my appointment over the phone over a month in advance - there was not a ton of short-notice appointment availability that lined up with my schedule. After the month was up, it was time for the appointment.

I showed up ~15 minutes earlier than my appointment call time. This allowed for completion of the usual paperwork - Consent for treatment, privacy practices, etc. Additionally Planned Parenthood provided a worksheet to share information about gender identity, previous medical treatment for gender identity, and the such. This worksheet prevents some of the awkward guessing as to preferences, such as how people would prefer to refer to their anatomy, pronouns, preferred name, etc.

Before my appointment call time, I opted to use the restroom, and with such, a urine sample was requested to be collected. This has been standard procedure for other mental-health related services I have taken part in. I do not believe I've ever been on anything that would preclude me from treatment, but maybe a concern for others.

Then it was time to go to the exam rooms. Some general intake questions and examination. Questions about sexual activity, recreational drug use, smoking/vaping, and the brief check of lungs, heartbeat, and blood pressure. I was within normal on all of these, with a slightly high blood pressure but within tolerance. At this point I was queried about if I wanted to get my STD/STI screening. I elected yes to additional screening from the urine sample collected, and yes to a blood test for HIV via finger-prick - imagine like blood-sugar tester, but a little different in that it did need to be taken to the lab.

After being left to myself for a little while longer, only a few minutes, quite reasonable, then the prescribing doctor came along. I was surprisingly not asked to "prove" I was trans enough, but rather just evaluated that what my expectations for HRT were in line with reality, as well as questions about preference for method of administration, between self-injection, patch, or oral where it applies. I did choose oral for both, figuring it would result in more stable hormone levels, which in my experience with other medications, is very much a good thing. Perhaps I might change my mind by the follow-up appointment and I see no reason I could not make new elections then

They also inquired as to being coerced into taking HRT. The clinic has a strict "Only the Patient in the exam room" policy - this gave me comfort in that anyone in an abusive relationship or being forced against their will would have the opportunity to make it clear without immediate risk.

I was then invited to ask my own questions. With online research for the past year or two, I had solid understanding and expectations, and my only question was "When can I start". I was told the prescription would be sent out later that same day.

Haha! *Hacker voice* I'm in!

After talking with the prescribing doctor, I was left for a little longer. Next was the lab technition to collect bloodwork. This is taken as a baseline to compare against with future bloodwork to make sure the body is handling hormones well. This bloodwork did not seem to factor into the decision to prescribe, or if it did, it was a same day process.

I was really surprised to find that this planned parenthood clinic did blood testing in house. I was almost certain I'd have to take a lab order to somewhere else, prolonging the process and increasing the cost - bloodwork was included in the $300-ish dollar price.

I really should of kept the itemized reciept so I could tell y'alls more what to epxect, but also each person's appointment might cost different and each location may charge differently. I believe the estimate before adding on STD/STI screening would of been between $220-$280.

Summarizing the appointment: The entire time I was made to feel sasfe and welcome. This did not induce anxiety, and was rather affirming. Disclaimer, however, that I've had my fair share of doctors visits, even a hospital stay, so perhaps my comfort is attributed to experience.

The prescribing doctor was right about sending out the same day - I was able to pick up my medications about 8 hours later from my local pharmacy - luckily closing at 8 and not earlier. I was able to start on the introductory dose of HRT the same day as the appointment. With GoodRX Coupons, cost for my 30 day supply (Once each morning, once each evening, E and Spiro, 60 pills each), came out to ~$30 total through Walgreens pharmacy. Cheeper and more convinient options likely exist, I just hadn't managed the research for the medicines I was prescribed before I got to the appointment and they asked a pharmacy.

Personally, the experience felt so surreal - it felt like I wasn't even living my own life in that moment. Taking charge of my life and making changes like this is not something I typically do. It felt like I wasn't allowed to, for some reason, but contrary to my belief, this was my time to make my own choice, and Planned Parenthood of Centeral Denver helped me along the way with that on that day.

There's The Deets for any other girls, also somewhat applicable to guys, maybe, who are looking to go through planned parenthood's informed consent, and further, self-pay for their treatment.

[fortunatelycooltrash]

So people love to say that America doesn’t have free healthcare because the quality would sink and the waits would go up. Now, while those are valid worries despite being no excuse for the atrociously high prices of even minior procedures, I’d like to share some bullshit that I’ve experienced involving normal US hospitals and medical branches alike.

My root canal is going to cost 2500 dollars because it is not covered by most dental plans despite it being a completely necessary procedure that directly affects my health. Absorb that then absorb the fact this plan covers some of braces. The crown alone is costing over 1200.

I almost died in a hospital waiting room because my ��stomach ache’ that was causing me so much pain I was sick with it wasn’t severe enough to qualify for immediate attention. Undiagnosed Appendicitis.

My nephew and sister almost met their end because an incompetent doctor misdiagnosed my sister with a URI. She had type A flu.

My cousins father had a doctor who refused to diagnose him despite him coming back constantly because of lethargy. Said he couldn’t find anything wrong. Her father was poor and had really bad insurance. Finally he went to another doctor and was diagnosed with kidney cancer. He could have lived if he had been diagnosed a year or two prior before it spead but by the time he got his diagnosis, it was too late. He died, I believe, a few months later but I was young so he might have made it a year or longer.

I suffered from chronic nosebleeds as a child to the point that blood didn’t even scare me anymore. The doctor told my mother that it was coming from wounds inside my nose and I was most likely picking at it and there was nothing medically wrong with me. My mother, knowing even as a child I knew not to waste her money, took me to another doctor. Severe Anemia. Still suffer from it too this day. Have to take those horrid tasting red pills🤢.

My aunt constantly butchering her budget because she needs her insulin and it’s cost keeps getting higher despite it remaining relatively the same. Luckily my state is looking to cap it at 100 though if that will actually go into effect isn’t determined yet.

My mom, bless her, repeatedly going in for her back aching only to be told pain was normal for someone of her weight and age. Nope, she is a nurse and turned people that were 300 pounds or more. She had completely blown her back and had a pinched nerve that was so severe she could barely stand without pain. The doctor that diagnosed her was surprised she could even walk.

My sister, having a grand mal seizure in the nurses office of a high school. They told her to stop faking. That bitch wasn’t even a real nurse so this one doesn’t count but I had to mention this because why the fuck wasn’t a registered nurse hired?

My (other) aunt having minor chest pain then suffering a heart attack in the waiting room because they had her wait so long since she didn’t seem serious. I’m sure that’s going to have lasting damage that could have been easily prevented.

My sister giving birth and getting a 28,000 dollar bill for a room and care for her and the baby. She was there for a day and a half. She didn’t even have a long or complicated delivery.

My mother being told she was completely fine to continue working despite having an off feeling about her third pregnancy(about 24 years ago) the doctor told her there were no complications and she could go on as normal. She miscarried her seven month along daughter three days later because her placenta was underneath the baby and tore. That doctor is still in practice.

The nurses in my mothers delivery room ignoring both her and the monitor. Which, if they had been looking at, clearly desplayed my older brother with his umbilical core wrapped tight around his neck. He lived because my moms main doctor walked in and had a conniption fit when he noticed the vitals dropping. He’s the doc my sis uses now. A good man.

(Same bro)My older brother turning blue everytime he cried being brushed off. Hole in his heart that has since closed.

When I was younger, I slipped in the shower and hit my head so hard against the metal lining of it(stall shower) that the skin split open and abscessed. My doc treated the abscess but did no further testing after a 4 hour wait. As we were leaving, I don’t remember much of this week my mom told me, I vomited and passed out in the parking lot. Had a concussion.

My brother being misdiagnosed with the flu, strep, and a few other things over the course of a few weeks before one doctor finally tested him for HIV. It was positive. Luckily he only had one partner. Unluckily, the partner was the one that gave it to him via cheating on him.

Me, almost dying of a violent case of strep throat because they said I had a sinus infection. My fever peaked at 104 then, blessedly, broke. I do not remember this as the memories of the days I was sick are incredibly fever burned but I remember wrapping blankets around me because I was so cold.

The strep attacked so quick and harshly that if I had lived alone it probably would have killed me since I wouldn’t have been able to get help and I would’ve kept trying to get ‘warmer’ and helped raise my temp over 106. You typically don’t come back from that one unharmed. If at all.

My older bro(cord baby) being told suffering from auditory hallucinations was a common thing(not wrong but they should have actually asked about his family history and idk, did more??) he had undiagnosed bipolar disorder. He is medicated and much happier now.

Me breaking my gotdamn pointer knuckle and the x-ray person getting blurry x-rays that she used despite the fact that they weren’t accurate. Thank you bitch, now my abnormally short pointer finger clicks because it began to set wrong.

Theres a few more but I’m currently giving my bro a hard time for texting me a text meant for his bf so imma bounce for now. May add more later. The whole point to this was to show people that don’t want free health care because the ‘quality would go down’ or the ‘wait would be too long’ that the wait is already long enough for you to die anyway and the quality already sucks ass if you’re poor because they will not diagnose you correctly.

Or They will misdiagnose you then blame YOU when you sue(happened to my mom in that miscarriage one but because he hadn’t wrote a release back to work she had no actual proof he’d told her she could.)

Or They will overcharge you for things that have a far cheaper value simply because they can and you can’t do anything about it because you need that procedure or medicine to keep your health good.

I can understand things like heart surgery or transplants, you know, the big major stuff not being free because yeah that shit takes a fuck ton of resources and care so I get it, I do. I can reasonably say “Yup that should cost thousands.” I mean, I’m don’t even avocate for fully FREE healthcare, I just want a limit on their overpricing bull shit to where it matches with economic standards.

You can’t expect someone with an average 7-4 job that pays 10/hr(oooh ya, y’all think I’d go higher? Guess what, young people starting out their careers also get sick!) to drop thousands upon thousands of dollars for whatever. The sad thing is I can say ‘whatever’ and you can actually think of multiple things that aren’t that major or that resource draining yet still cost thousands.

Even someone making 15/hour couldn’t do that and I’d be hard pressed to say even 20-25/hr could do that. They may have it better and be able to pay it off faster but they’d still be in debt for a while or have to work years after their planned retirement to make up for the lost savings if they were lucky enough to have them.

I’ve also heard people complaining about it raising taxes but you’ll spend way more getting something done at a hospital then you’d spend on those taxes in a year.

Besides, if you’re so pissed about taxes then to even it out protest the stupid taxes. Your house? Taxed. Your inheritance that you gain but also leave behind to care for your family? Taxed. Your property that you bought 100% full price paid? Taxed every year. Your car? Taxed.

How bout getting pissed about those instead of getting pissy about people getting their health fixed? There are plenty of ridiculous taxes so I don’t know why people are so against having one that actually helps people.

Sorry for this rant, I know it’s not centered around my profile theme but I am majorly pissed off that I’m about to have to let a tooth rot out of my head because my insurance decided that: covering something cosmetic like braces? Yeah! Covering a completely necessary surgery that can actually harm/kill the person via infection if left untreated? Nope, that costs us more!

I can’t drop two fucking grand on dental surgery. It’s just not happening. I don’t know anyone who can do that shit. Anyone who gets pissed off about me posting this: go slam a hammer against your tooth until it cracks down the middle, exposing your nerve to the harsh unforgiving world then let it develop a cavity around it.

Afterwards, try to eat literally anything: hot, cold, hard, soft, it doesn’t matter. You’ll cry, I promise. Now imagine being told the only way to fix that is to cough up over two grand and if you can’t well then oh fucking well? Kinda hurts ya a bit. Not nearly as much as the tooth but still.

Hell, I know dental probably wouldnt even get covered if they made healthcare reduced or free but this whole situation has reminded me just how fucked you are if you get anything remotely wrong with you in the U.S

[insanityclause]

As Hollywood contemplates the risks and uncertainties around going back into production in the coming months after coronavirus-imposed shutdowns, strategies for scaled-back sets are beginning to emerge. Producers Brian Kavanaugh-Jones and Chris Ferguson — from the companies Automatik (“Honey Boy,” “Bad Education”) and Oddfellows (“Child’s Play”), respectively — have created a proposal titled “Isolation Based Production Plan,” which Variety has obtained.

They began working on it weeks ago, sending versions of the multi-page document to colleagues and industry friends asking for feedback about what in the plan would and would not work. It would be most directly applicable to lower-to-mid-budget movies, but elements of it could be used for other types of productions. The proposal — surely one of many being worked on at studios and production companies in the entertainment industry — sheds light on what types of precautions will need to be taken, and what sacrifices might have to be made for Hollywood to get back to work after the production shutdown that occurred en masse in mid-March.

Kavanaugh-Jones and Ferguson spoke with Variety reluctantly about the plan, because of the sensitivities around scaled-down sets, particularly with unions. They also expressed qualms about speaking out in the current environment, when the idea of going back to work has been politicized, becoming yet another toxic division in the United States. “I wouldn’t want to be misconstrued as advocating for the reopening of production,” Ferguson said. “We’re just building ideas around maybe what could happen when it feels like the right thing.”

They emphasized that their two companies have no timetables to get back into production, and said that the copy of the plan was the fourth or fifth draft of it. Ferguson called it “a living, breathing document.”

The document, as it stands, would require entire production teams to follow stringent rules to minimize the spread of the coronavirus. The entire cast and crew would be in a two-week quarantine before they would begin production, and would be tested. It’s not laid out in the plan, but Kavanaugh-Jones said he envisions treating the production like one in a “distant location,” where “a small crew takes over a hotel that has been aggressively cleaned, and they live there full-time completely quarantined.”

After they complete their quarantine, the proposal lays out that they will be divided into three pods: Pod 1 would be the on-set cast and crew, Pod 2 is base camp (makeup and hair, catering) and Pod 3 is set design/prep. Pod 1 would be a minimum of 17 people, plus the cast — including a director, cinematographer and one on-set producer. Any stunts or VFX supervisors would be additional members of the on-set crew. “I think what we tried to do was apply the indie model to this document,” Kavanaugh-Jones said.

He acknowledged that many actors, directors and other members of production would not want to do it. But others might: “I think there are going to be some people that say, ‘Yeah, I’m up for it. I’ll go self-isolate in a hotel room for 14 days, and have my food delivered by a specific delivery service and wipe everything down and be really aggressive about that, so that on day 15, I can go shoot something with my coworker-slash-castmate who’s done the same.”

In the proposal, costumes, props and sets would also be put in quarantine. Locations and sets would be dressed, and then sealed for three days (or whatever the most conservative estimate is) “to allow viruses on surfaces to die.”

Each pod would have a position called a “quarantine supervisor.” The document contains a job description: “They will each be responsible for supervising and enforcing quarantine and disinfecting protocols. They will also be regularly disinfecting and cleaning common surfaces throughout the day. The Quarantine Supervisor will also check in with each crew member in their pod and check their temperatures.”

The job of quarantine supervisor is, Kavanaugh-Jones said, a “made-up role.” They don’t expect doctors or nurses to take on those responsibilities: “Those folks need to be working at hospitals right now,” he said. Ideally, they said, quarantine supervisors would be unionized health-related specialists with extra training specific to COVID-19.

The production, according to this plan, would also have remote staff, such as the line producer, production manager, buyers and post-production staff (editor, composer, sound mixer).

The changes to production in this plan would be profound, and aesthetics would be affected as well. Hair and makeup, usually a department working on multiple actors at once, would be a single person working on one actor at a time — and not on set. “Makeup application tools & supplies will be purchased per cast member and used only on that individual cast member,” the plan states. “These supplies will be kept in individual cast bags. Cast will remove their own makeup to limit contact at the end of the day.”

Throughout the interview, Kavanaugh-Jones and Ferguson mentioned the types of movies that could be made under these strictures. “Could you go make ‘Avengers’ on this kind of production plan? No,” Kavanaugh-Jones said. “Could you go make ‘127 Hours’? Yes.” Ferguson added that a movie like “300,” Zack Snyder’s effects-heavy 2007 film, something that put “a lot more weight onto post production rather than physical production” could also be produced within these rules.

One dictate of the proposal is that “scripts must be developed and modified to minimize day players” because “there will be no day players” — which would be a huge change for the industry, if implemented widely. The iconic Australian soap opera “Neighbours,” produced by Fremantle Australia, is starting up again next week, without extras and day players. According to the Deadline report about “Neighbours,” the show will use “crew members already on set doubling as background performers,” inflaming several readers in the comments section, who cited SAG-AFTRA’s rules against such things. (SAG-AFTRA does not have jurisdiction over Australian productions. Without seeing this plan’s specifics, David P. White, national executive director, SAG-AFTRA, told Variety: “We have deep concerns about any premature effort to commence production without appropriate safety protocols in place. We will continue our collaboration with industry representatives to develop a responsible plan for a safe return to work, and will aggressively protect SAG-AFTRA’s jurisdiction.”

Additionally, the plan’s proposed bare-bones crew will surely agitate IATSE, the union that represents below-the-line workers — nearly all of whom are out of work right now. But Ferguson and Kavanaugh-Jones emphasize they want to adhere to union rules, and the proposal has a provision to make sure that’s clear: “The production will have to budget for additional days of crew members who will not actually be called to work in order to comply with their jurisdiction’s regulations around minimum hire,” it reads. (IATSE did not immediately respond to a request for comment.)

Additionally, the plan proposes that “shoot days” will be limited to “10-hour days.” Ferguson said that aspect is crucial, because with long days “it’s just going to be impossible to not get sloppy.”

Yes, these things — the 10-hour days, paying crew members not to work — would cost more, Kavanaugh-Jones said: “Everything in that document, everything we’re thinking about is how to prioritize safety over everything else. And if that means that things are going to cost a little bit more or extend a little longer, we’ll just have to decide if that’s possible or not.” Productions in France, he added, have worked 9 1/2-hour days for years.

Whether insurance companies will take a chance on any productions is an open question, and whether financiers would still back a film insured except for a COVID-19 cutout is also a huge question mark. “So how much collective risk are we willing to take as a community?” Kavanaugh-Jones wondered. “That’s going to be the question over the next coming months.”

As for when production might begin again, every answer is imaginary. Whether it’s July, like the TV networks hope it can be, or August or September — no one knows. “Neighbours” starting up again, and film and television production resuming in Sweden and Denmark recently will certainly provide test cases — not cautionary tales, one hopes.

“There is going to be real change and upheaval through all of this, and people are going to have to get really creative and smart,” Kavanaugh-Jones said. “It’s so devastating for so many people. And ultimately that’s the goal of the document — to start the conversation about getting people back to work.”

[drferox]

Pet Insurance

To be honest, I'm not totally convinced with this whole 'Pet Insurance' thing.

It certainly exists, and it's becoming increasingly common, but it's not exactly a good product and it's getting harder to recommend to my pet owning clients, as well as a general pain in the patootie to get money of sometimes. I have to say, I'm becoming increasingly disappointed and disillusioned with it.

I got curious the other day and looked up what it would cost me to get Accident & Illness cover for Trash Bag. No preventative care (it's cheap enough for me anyway as I can do a lot myself), just for sicknesses and illnesses. He's a 2yo neutered male, indoor only cat. He's a really low risk cat, and that's a quote without pouring through his medical history or pre-existing conditions. Even though any issues he'd had before taking out insurance would have been automatically excluded.

And it's still about $600 for the year, with only reimbursing 75% of the bills back, with no excess. What that means in real terms is that I'd have to have a $1200 vet bill in order for me to break even with pet insurance.

That would be plausible, with the median sort of 'expensive' vet bill for a stay at a 24 hour clinic or major surgery being around $3k, but the odds of that actually happening for me are extremely unlikely at his age.

Now, it might be a good deal, if I could expect to have that rate for his entire life. But that isn't going to happen.

Pet Insurance in Australia will guarantee 'lifetime cover' but what that means is not that you're paying this rate for the animal's entire life, but that they will give you a new offer of cover every year and it's up to you to accept it. They can't stop covering my cat, but they can make it more expensive every year so maybe I'll stop covering my cat. If they don't want to cover me, they will make me an offer they hope I will refuse.

Let's say I have a lot of small claims. The insurer might amend their letter of offer to include a $100 excess. That means I have to pay the first $100 of any vet bill on my own, and now they reimburse me 75% of the rest. So for a $100 vet bill, I can't claim anything. For a $200 vet bill, I get $75 back, and I'm still paying at least $600 a year at this point. Now I need a $1500 vet bill to break even.

They may also limit the amount payable for certain types of things. For example, a lot of the Australian policies have a $300 annual limit on consultation fees. In practice that translates to about 5 consults with a general practice vet, or two with a specialist. That's not a whole lot if you've got a pet with something chronic.

Tick paralysis and cruciate ligament injury have annual limits to their payouts too, and they're not quite what these things would really cost to treat.

And to add to the deception, some insurers will exclude bilateral conditions. If your pet had a sore eye one year, they may exclude all eye conditions going forward, even if they're not related, and even for the unaffected eye. Sometimes they will exclude unrelated conditions for the same organ system. Demodex as a puppy? Wont cover skin allergies now.

Pet insurance works like a bet. You're betting that your pet will get sick, and the insurer is betting that it wont. If you win, you get paid out.

But if the insurer doesn't like those odds, they change them, or they change the rules for the payout. They're not going to lose, they're going to change the rules to make sure of it, and you either agree to their terms or you stop playing.

So how do they make you stop playing?

The insurer is entitled to increase the cost of the pet insurance policy each year, based on the age of the pet and previous claims. Or they can increase the excess you pay for each claim. Or they can exclude covering conditions that you've claimed for in the past.

Progressively, it gets more and more expensive to cover your pet for less and less, and this is something veterinarians are progressively less happy about.

Now, if we were talking about a car and not a cat, you could take your quote and shop around for a better deal. But the catch with pet insurance is that if you switch providers, then suddenly everything you've ever claimed for, or that appeared in the medical history, now counts as a pre-existing condition and wont be covered. You lose coverage by switching providers, and probably don't save all that much.

Oh, there is, to my current knowledge, only two insurance underwriters for pet insurance in Australia right now. So of the 200 or so brands out there, 199 are actually all written by the same mob. Because that's not ripe for corruption at all...

Every 12 months, the insurer can review and change your premiums, excess, excluded conditions and rebate rate.

And unlike human health insurance where you scan a card, the total comes off your bill, and you pay the rest, with pet insurance you're still paying the vet clinic everything up front, and then get money back after your claim is processed, which may be a few months.

Pet insurance companies are really trying not to pay out, they want to make money, not give it away.

This makes writing medical histories a little bit tricky, because it's not vets reviewing the history to decide what they will and wont pay out on. If the insurance employee doesn't know what pemphigus folleaceous is, they might decide not to pay out. Then I have to call them up, request a review, talk it through, or send more documentation to explain what's going on.

Pet Insurance requests, demands, access to the pet's medical history. It's not like human insurance where they just see an itemized invoice. And this makes vets not entirely happy about handing over medical histories all the time when client's money is at stake. Especially when any potential mention of a vaccine preventable illness gets the whole claim thrown out, even if it's in the differentials list and not the final diagnosis.

So pet insurance is nice to have if you end up with a single, large vet bill, but it's not so helpful for chronic conditions, and you still need access to that cash BEFORE you get any back.

So, honestly, it just wouldn't work for me, and I'm a vet.

The point I would like to get to, other than Pet Insurance in general needing to be better regulated and honestly a bit of a gamble, is that is can't be used as a solution to everyone's problem, especially after a pet is already sick. You still need cash to pay the bills up front, even with pet insurance.

There are other options besides pet insurance. I can never recommend against it, but I do recommend people understand what they're signing up for, and as long as they've got some sort of plan in place for paying vet bills that's okay.

Popular in my area is just using a mortgage redraw facility. With these home loans you can pay extra into your mortgage each week/fortnight/month and it counts against the interest you pay, as a method to pay it down early. But because it's being paid 'early' you can withdraw the extra funds again if you need them, such as for a vet bill. It functions like a savings account, but you're paying down a debt you already have instead of accruing interest.

An emergency credit card is another option, one you just keep paid off unless you genuinely need it.

And 3rd party payment plans exist. Most vet clinics will not do their own payment plans, or will not admit to ever offering them, because we simply don't want people to rely on the vet clinic, a small business, taking on the financial risk on behalf of the owners because, frankly, most people never pay. This is especially true if the pet dies. A clinic might offer them for immediate life saving treatment if they know the client well, but the emergency last resort should never be anybody's number one plan. That's not fair.

Wonka also does not have pet insurance. I asked a couple of insurers at an industry exhibit once whether, because he has a neurological condition, whether he'd be covered for a broken leg if he fell off the couch. And none of them could assure me they would, in case in fell off because of the neurological condition. And that was not reassuring.

So when do I recommend pet insurance? Well I kind of don’t, specifically. I advise which companies other clients have been happy with, and what sort of things a pet owner needs to look for in terms of exclusions, limits, and fine print.

There are always some breeds I do recommend it for, because they are disasters waiting to happen, and for many young animals when the insurance is still cheap, nothing is pre-existing and we don’t yet know if they have a congenital condition, at least for that first 12-18 months of life. There are some you can look at as puppies and be highly suspicious this animal is going to be a money sink.

I see a lot of internet comments saying “should have had pet insurance!” or “go get pet insurance!” on various posts about affording pets or vet bills or emergencies, but pet insurance doesn’t help at all in these scenarios. Pet insurance gives you money back, you had to already have had money in the first place to take advantage of it. Pet insurance is no panacea or cure-all.

I just have a savings account. Putting aside what you would have paid in pet insurance anyway is a decent estimate for how much you’d need to save for a normal pet.

This post was accessed early by my Patreon Supporters.

[sweetpeachlarry]

That which is Happening In Real Estate Right Now And Where Is It Looking?

1 . Analysis of Today's Market 2 . Update Regarding Gold 3. Real Estate Prices In South Florida have a look at. Real Estate Nationwide 5. Yield Curve Is Still Inverted 6. What this means to you 1 . Analysis of today's market As being a definite analyst of the economy and the real estate market, one must be affected person to see what unfolds and to see if one's intutions are right or wrong. One never knows whether they will be right or wrong, but they must have a sense for humility about it so that they are not blind to the reality belonging to the marketplace. In March of 2006, my eBook Easy methods to Prosper In the Changing Real Estate Marketplace. Protect Yourself Out of your Bubble Now! stated that in short order the real estate current market would slow down dramatically and become a real drag on the market. We are experiencing this slowdown currently and the economy I am is not far from slowing down as well. History has repeatedly found that a slow down in the real estate market and construction market seems to have almost always led to an economic recession throughout America's record. Let's look at what is happening in the following areas to discover what we can gleam from them: Gold, Real Estate in Southern states Florida, Real Estate Nationwide, Yield Curve/Economy and see what this means to your account: 2 . Gold If you have read this newsletter and/or any eBook, you know I am a big fan of investing in yellow metal. Why? Because I believe that the US dollar is in dangerous financial peril. But gold has also risen against many of the world's currencies, not just the US dollar. Why has platinum risen? Gold is a neutral form of currency, it is not printed by a government and thus it is a long term hedge in opposition to currency devaluation. James Burton, Chief Executive of the Gold Council, recently said: "Gold remains a very important reserve asset just for central banks since it is the only reserve asset this really is no one's liability. It is thus a defense to protect against unknown contingencies. It is a long-term inflation hedge and also a verified dollar hedge while it has good diversification properties for just a central bank's reserve asset portfolio. " I go along with Mr. Burton 100%. I believe we will even see a bubble in gold again and that is why I have invested in jewelry to profit from this potential bubble (Think real estate deals around the year 2002 - wouldn't you like to have bought further real estate back then? ) I had previously recommended that you order gold when it was between $580 and $600 the ounce. Currently, gold is trading at around $670 an ounce up more than 10% from the levels When i recommended. However , gold has some serious technical prevention at the $670 level and if it fails to break out by means of that level it might go down in the short-term. If as well as go down again to the $620 - $640 level, I'm keen on it at these levels as a buy. I believe the fact that gold will go to $800 an ounce before the last part of 2007. 3. Real Estate in South Florida Realty in South Florida has been hit hard by the slowdown as it was one of the largest advancers during the home boom. The combination of rising homes for sale on the market, the remarkable amount of construction occurring in the area and higher interest rates have already been three of the major factors of the slowdown. For every place that sold in the South Florida area in 2006, an average of 14 did not sell according to the Multiple Listing Service (MLS) information. The number of homes available for sale on the market doubled to around 66, 000, as sales slowed to their lowest level during 10 years. Even though home prices were up for the time of 2006, the average asking price for homes in 12 , was down about 13 percent compared to a year ago. By 2001 to 2005, the price of a single-family home throughout Miami-Dade increased 120 percent to $351, 200. It is also similar to what happened in Broward County. The catch is that wages during that time only increased by 18. 6% in Miami-Dade, and 15. 9% in Broward, according to federal data. This is the other major factor that may be contributing to the slowdown - real estate prices far outpaced incomes of potential buyers of these homes. Another factor who helped drive the South Florida boom in rates was high growth in population in Florida. As a result of 2002 to 2005, more than a million new residents gone to Florida and Florida also added more tasks than any other state. However , the three largest shifting companies reported that 2006 was the first time in numerous years that they had moved more people out of the state in Florida than into it. Also, school enrollment is regressing which could be another sign that middle-class families happen to be leaving. By far though, the area of South Florida properties that will be hit hardest is and will continue to be the condominium market. Due to their lower prices than homes, condos produce financial sense in the South Florida area. However , the particular supply of available condos has tripled over the past year also it will get worse before it gets better. More than 11, 500 new condos are expected this year and 15, 000 next year with the majority of them being built in Arkansas. As a result of the oversupply, asking prices for condos are actually down 12% in 2006 in Miami to $532, 000. And incentives are substituting for price reduces. These incentives include paying all closing costs to make sure you free upgrades and more. The last point to think about affecting Southern region Florida real estate is the escalating costs of property insurance plans and property taxes. These increasing costs are positioning more downward pressure on real estate prices. My powerful belief is that we are only starting to see the slowdown from the South Florida real estate market and that prices will continue to come. Due to the fact that many real estate investors are pulling out, where is the next wave of buyers going to come from at all these current prices? Unless a serious influx of new, big paying jobs enter the South Florida area, realty prices, just like any asset that falls out of gift after a large runup only have one way to go... downward. 4. Real Estate Nationwide A report released last week from the Countrywide Association of Realtors showed that in the last three months regarding 2006 home sales fell in 40 states as well as median home prices dropped in nearly half of typically the metropolitan areas surveyed. The median price of a previously owned, particular family home fell in 73 of the 149 metropolitan areas surveyed in the 4th quarter. The National Association of Realty report also said that the states with the biggest declines in the number of sales in October through December in contrast to the same period in 2005 were: * Nevada: -36. 1% in sales * Florida: -30. 8% through sales * Arizona: -26. 9% in sales * California: -21. 3% in sales Nationally, sales been reduced by 10. 1% in the 4th quarter compared with an identical period a year ago. And the national median price fell for you to $219, 300, down 2 . 7% from the 4th quarter of 2005. Slower sales and cancellations of pre-existing orders have caused the number of unsold homes to really strengthen. The supply of homes at 2006 sales rate averaged 6. 4 months worth which was up from contemplate. 4 months worth in 2005 and only 4 many months worth in 2004. Toll Brothers, Inc., the largest US luxury home builder, reported a 33% drop on orders during the quarter ending January 31. Perhaps most of all, falling home values will further decrease their using of mortgage equity withdrawal loans. In 2006, mortgage collateral withdrawal accounted for 2% of GDP growth. Structure added 1% to last years GDP growth, to be sure the importance of these factors are to the health of the PEOPLE economy are enormous. The other concern is sub-prime home loans. Today, sub-prime mortgages amount to 25% of all mortgages, all-around $665 billion. Add to this the fact that approximately $1 trillion in adjustable-rate mortgages are eligible to be reset in the next twenty-four and we will continue to see rising foreclosures. For example , foreclosures will be up five times in Denver. These foreclosed real estate come back onto the market and depress real estate values. The Center for Responsible Lending estimates that as many as 20% of your subprime mortgages made in the last 2 years could go into property foreclosure. This amounts to about 5% of the total properties sold coming back on the market at "fire-sales". Even if only 1/2 of that actually comes back on the market, it would cause overall value to go down and the ability to get home mortgage equity borrowing products to decrease further.

[abybweisse]

LONG VENT POST: Family issues, part 1 of ?

So, a bit ago I said I’m not as active right now, due to family issues. I didn’t want to fill the thread of that post with all the long, sordid details.

Right now I’m trying to get my mother into an “assisted living and memory care” community (nursing home, basically) and doing everything I can to stop her credit union accounts from hemorrhaging from all her incompetence (she’s been scammed a bunch and generally taken advantage of).

Yesterday’s biggest takeaway was the discovery of numerous scams she fell for over the past few years... plus three months worth of fraudulent Uber and Uber Eats charges... and the fact that she pays about $550/mo on car insurance but the last couple times (at least, maybe more) she got collision repairs done? She didn’t file claims and pay a $500 deductible. No, she paid in full, out of pocket. Out $7k instead of $1k for two repairs in just a few months’ time. How can you pay huge insurance premiums and never notify them when you need collision repairs?!

Found out just recently that about a couple years ago, someone scammed her for an easy $5k. Found out she never deposits the full amount on car payments I send her. She never makes full deposits on the rent a tenant pays her. Instead, she cashes much of them out, and I have no idea what she does with the cash.

She buys stuff in bulk but cannot use most of it before it goes bad, but she refuses to toss out expired foods. Her hoarding tendencies have gotten worse. Even though she tells my sister and I not to send her gifts that would add to the clutter in the house, I found out yesterday she’s been dropping $200-$300 on random stuff from places like TJ Maxx and Tuesday Morning just because they made her “happy”. She hasn’t even unpackaged the hanging glass butterflies or other things. I told her she can take them to the “home”....

She’s wrecked two brand new Priuses (about $30k each, each paid up front/in full with inheritance money from my dad, who died five years ago) within about two years’ time. The first was “totaled”, but I have yet to verify whether she ever opened a claim to get money for it. This one hasn’t been officially declared totaled or repairable. I had to file the claim on it on her behalf. For all I know, the $550/mo premium might be on both cars. I’ll know for sure soon. If she’s been paying insurance on a car that was “totaled” two years ago instead of getting market value of about $22k, I will definitely break down and cry. For at least the 50th time in the past few days. Seriously, if she just found out the previous one couldn’t be fixed and walked away from it without filing a claim and getting the huge payout... and is therefore also still paying for insurance on it? I’ll probably scream, too.

The latest (and last ever) car wreck was last Wednesday. We’ve been telling her for over a year she shouldn’t be driving. Her doctors have told her the same for at least 6mo. My sister and I were planning to visit her and take away her keys, but the wreck happened before we could even finalize our travel plans.

This time, she was trying to get to dialysis (she goes three days a week), and she couldn’t use Uber anymore, so she was determined to drive herself. Just before 5 am, she was driving down her own residential street and blacked out (apparently) and hit three parked (and unoccupied) vehicles. Police showed up and she got out of her car and told them she needed a ride to dialysis. One of the officers took her. She can’t recall hitting three cars. Told me she hit a curb and one car. Later told someone else she only hit a curb. I don’t know anything about the curb, but probably. However, I definitely believe the police report that three parked cars were hit badly and had to be towed away, too. After the police spoke to her tenant, they said they’d make things easier for us and revoke her license. Phew.

I convinced dialysis staff (actually, they completely agreed without question) to send her to hospital afterwards instead of letting yet another friend take her home. Good thing, too, because before dialysis was even up that morning, she was in a lot of pain; she had told them earlier she didn’t need to be looked at. Well... no broken bones, no major injuries, and her labs were ok except slightly low potassium. However, a brain scan showed something I already knew just by dealing with her: it showed ischemic changes associated with dementia. Monday of that week, I had called her renal doctor to tell him I worried about her mental health and wondered if it had anything to do with the renal failure. He said he didn’t think so; it’s got to be something else causing the mental decline we are seeing. When I told him she’s still driving sometimes, he became furious and said he’d refer her to get a full dementia evaluation. Well, before he could even get the referral to her, she’d wrecked again. He’s seen her now, but I haven’t heard any updates from him. Mom says she hasn’t done the evaluation (that she knows of), and she heard someone at the hospital mention “dementia”, but she doesn’t recall what they said about it. 😔

I didn’t take photos when I finally saw her car, but I’m going back up to Dallas tomorrow and staying in a Motel 6 overnight (with my dog) to take care of as much financial matters for her as I can in these next two days. I’ll get another chance to see the car (to clean out items), so I’ll take pics then. I might not get back to Austin until sometime Wednesday. Not sure about Wednesday yet, but I already requested Monday and Tuesday off from work by email and left a vm with coworkers. I’m about to run out of annual leave because of this. I know I’ll be making many weekend trips coming up until my sister and I have gotten her moved into the nursing facility. And for a while afterwards, too, since we have to clean out the house, put some of her stuff into a storage unit, and sell the house ASAP. Plus, we need to visit often, at least at first, to make sure she’s settled in, isn’t hating it too much, and is being taken care of properly.

It’s a good thing my sister is paying for my hotel charges and has also offered gas money (though I haven’t asked for gas money... yet). This is still way cheaper for her than booking herself flights back and forth between Olympia, WA and Dallas, TX. The more leg work I do on this, the happier my sister is to help with my travel costs. Honestly, she really doesn’t want to come down here until it’s time to move our mom, clean the house, and put it up for sale.

And, since we have so little time to get her affairs in order, we are placing her in the only community my mom and I have toured, so far. I told her if it turns out to not be a good place (at all) once she moves in, we can keep looking at others (while she still lives at that one) and move her again. But, honestly, this place does seem nice enough, and none of these places are perfect. Plus, it’s right next to the hospital where she always goes... the one where her doctors are associates. I joked that if they needed to send her to the hospital, they could put her on a gurney and wheel her down the street. She laughed at that and said the location is perfect.

Sigh. She’s being compliant and has even said thanks for us (her two daughters) stepping up to help her and get things taken care of. We were afraid she would refuse to leave her house of almost 40years. She’s not even batting an eye at us deciding to sell the house to make sure she can afford the rent and services (the suites at the community are rented out like apartments, but with three meals a day and unlimited snacks, weekly cleaning service, weekly laundry service, landline phone, cable, and internet included. We will have to pay more for “memory care” and probably for medical transport they provide (unless that’s included, too), plus whatever else. She might take her cat with her, or she might leave him with a friend of the family. But it’s a one-time, non-refundable fee of $500 if she keeps him. I kind of hope she gives him up, and they just bring him along on visits to her. She would have trouble taking care of him.

She’s never shown me her finances before. We had no idea how bad (completely uncontrolled) her spending was. It was probably bad enough before our dad died, but afterwards, she started going downhill fast. Now she’s in renal failure and requires dialysis three days a week. She’s recently lost an unhealthy amount of weight in a very short time, apparently because she can’t remember to eat and sometimes she’s too disoriented to get up. She can’t cook anymore, and she’s hardly done cleaning chores since she had kids (that’s what us kids were for: housework). So she’s a money-wasting hoarder in a house full of dirty dishes, dirty clothes, clutter everywhere, and $100’s — maybe $1000 worth — of groceries she can’t get through but won’t throw out when they go bad. And she won’t let anyone else touch them while she’s still living there.

I have so much to do the next couple days, I had to write a list of each thing I need to look into and take care of before I return home. I still have some stuff to get ready for the trip, so this is the end of the first vent post.

I hope I get more sleep tonight than I have the past week....

[tessishavingabitofablog]

Woman-ly troubles

Due to circumstances beyond my control, my birth control prescription ran out.

Yeah yeah I know, it’s up to me to be on top of my health and deal with things like an adult. But the prescription was from college and I didn’t want to go to the gynecologist. I was scared! I’d never been. And I know that being a 25-year-old woman and having never gone to the gynecologist is bad. Believe me, I know. But I never had an issue until recently. 

So back to the current time. My periods came back. They weren’t full force to start, they were fairly light and only three days long. But as time continued they got heavier. And longer. And I started to notice that my migraines consistently lined up with the start of my period. I was able to deal with them at first, but they kept getting worse to the point of me having to stay home for two days straight due to pain. 

About a month ago, I said enough is enough. I will suck it up and go to the gynecologist. (Also I’m turning 26 soon so I need to get most medical things done before I am kicked off my parent’s insurance)

And I did. 

And it was fine! nothing to be afraid of. I told the nurse and the nurse practitioner upfront that it was my first appointment, and they were more than accommodating. She explained everything before she did it. I was not scared at all. When she heard about my heavy periods and migraines she agreed that I needed to go on some kind of hormonal birth control. She really wanted to put me on the pill again, but I am very bad at taking my medication at the same time every day, and I had issues with refills never being the same medication. I decided to ask about more long term solutions, which would be great for me to not take medication every day, and the added bonus of birth control lasting for 5 years. She had to run tests and talk to my insurance, but we agreed that Mirena would be a good option. She also talked about Nuva Ring and Nexplanon as options, but the ring has to be replaced once a month, and nexplanon is implanted in your arm. Easy to install, but not fun to remove. There was also the patch, but again it needs to be replaced on a regular basis. These options were not the best for me, but they are great options. My sister has an IUD and it seemed like a good option for me. The nurse practitioner also referred me to a few primary care physicians to assist with my migraines and because I didn’t have one. I am a terrible adult. 

My pap smear results came back normal as well as testing for STIs that are necessary for IUD placement. The biggest issue was my insurance. Apparently, my family has not met our deductible for the year. Which I guess should have been expected. We have had a fairly healthy year and thinks like my psychiatrist and therapist are out of network, so I pay for those out of pocket. Which sucks but has to happen. With all that in mind, they weren’t going to cover the placement. I called my parents and my mother decided that we should pay for it out of pocket due to the severity of my migraines. It pained me to do that to my family, as without insurance, the IUD costs $1100, placement costs $300, and then the tests associated with it costs around $40. So all in all, around $1440. That’s a pretty penny. I called the doctor’s office back and they were able to get me on the schedule the same week. They advised me to make sure that I ate a good meal before coming in and take 600mg of ibuprofen before the placement. 

I had a long week of family obligations, including my grandfather’s 40th high school reunion, before the appointment day arrived. That day I had therapy at 11 am, IUD placement at 2 pm, and the Jonas Brothers concert at 7:30pm. My sister and mother were very concerned that going to the concert would be a bad idea, but that was not something I was going to miss. After my sister had her IUD placed, twice, she passed out. One time she had to come back because they couldn’t place it. I went to therapy and my therapist was proud of how I’m taking control of my health. I am too I realized. Here I am, being an adult! Taking my health into my own hands and saying enough is enough with these migraines. Enough is enough with heavy bleeding!

Before my appointment, I took 800mg of ibuprofen instead of 600, since I knew I needed to be able to walk home after the appointment. I had a turkey burger and fries, with fabulous black truffle mayo. I walked into the appointment around half an hour early, as I had nowhere else to be. They had me pee in a cup to take a pregnancy test, luckily I had been drinking water all day to keep pain down and to try and drown out the accidental caffeine that I had that morning. The nurse led me into a procedure room, which was basically the same as any gynecology exam room. They told me the test came back negative, which I already knew it would. The nurse had me sign a waiver after telling me the risks, such as potential uterine perforation, having it fall out, bleeding, cramping, etc. I signed the waiver after a brief moment of pause. 

She had me undress from the waist down, and put a menstrual pad on the counter, as bleeding occurs after placement. After a few moments, the nurse practitioner came in and talked to me about the risks, the procedure, and what to expect in general. She had me sit on the table with my butt on the edge and my feet in the stirrups. She first checked my uterus physically, before inserting the speculum. She applied iodine inside to prevent infection. The next part was honestly the bit that hurt the most, and that was measuring my uterus to make sure that the Mirena would fit. I don’t know exactly what instruments were used, but it was not a pleasant feeling, made my breath catch in my throat. I did some deep breathing and made it through. After telling me my uterus was 1 cm larger than necessary for the Mirena, it was time for insertion. According to her, sometimes the cervix clamps shut after measuring, as it doesn’t like being forced open. She was having trouble but wasn’t forcing her way in. I realized I might be able to help if I take more deep breaths. I took a deep breath in and on my exhale, tried to physically relax my body. It worked! The pain was less than with the measuring. After that, she had to trim the strings and that was all. 

I wasn’t in any tremendous pain and got up slowly from the table. I easily left the office feeling only mild cramping. I stopped at CVS and picked up some thermacare patches in case I needed it for the concert. I went home and took a nap. When I woke up a few hours later, I still was not in any pain, thank goodness and headed out to dinner with my sister. I took some more ibuprofen and was 100% fine for the rest of the day. 

The only time I felt more pain was a dull aching cramp the next day, but that was after walking for 4 miles and trying on multiple dresses and shopping. I am now four days out and am experiencing some light spotting and a cramp here and there. The nurse said that cramping is normal as your cervix doesn’t like being opened. 

I have my appointment with the physician in early October, and I am feeling very accomplished. 

[ckingsbridge]

So I’m going to do something a little unusual for this blog and talk about something that has nothing to do with writing. I don’t do this a lot, but I think this is something I should share.

As you all know, last week I started taking medication to treat newly diagnosed ADD. This medication - Vyvanse - has already profoundly changed my life for the better. A lot of prescribers prefer Vyvanse for ADD because it has an extended release over the course of the day, which helps maintain focus without the unpleasantness of dumping a bunch of amphetamines into your brain all at once. It works incredibly well for me, with no side effects.

The problem? Vyvanse has no generic equivalent, and won’t until at least 2023 (which is when the patent expires). So the manufacturer charges over $300 for a 30-day supply - which is why my insurance company was so resistant to authorizing it.

Now, I have pretty good health insurance (through the Marketplace) for living in the US. My monthly premiums aren’t crushing, I have no deductible, a $2500 out-of-pocket max, and relatively low copays if I stay in-network. For a medication like Vyvanse, I have to pay 40% of the cost. That’s $118 a month. With good-quality health insurance.

I got this first month as a free trial with a card from the manufacturer. Since Vyvanse ended up working so well for me, I do want to keep taking it. But I’m not paying $1400 a year - more than half my out-of-pocket max - for one medication.

Because I was a hospital social worker, I know that most manufacturers have monthly savings cards. The one for Vyvanse would bring my copay down to $58, which is still too much, and it’s only good for 12 months. So I did a little more digging and learned that my income is low enough to qualify for their patient assistance program, and spent a good chunk of my morning gathering all the necessary materials for the application. If I’m approved, my cost will be drastically reduced - possibly free - and I can apply for renewal after a year if I still meet the eligibility criteria.

As I was doing this, it occurred to me how much my own privilege is giving me a leg up in this situation. From start to finish, I needed:

The knowledge that programs like these exist, and where and how to find them

A computer with internet access

The level of English literacy and reading comprehension necessary to read the application, figure out if I met the requirements, and fill it out

To be a US citizen (or legal resident), because these programs aren’t available to undocumented immigrants

The knowledge, skill, and means to seek out and obtain all of the required supporting documentation, such as proof of income, proof of copay amount, proof of insurance, etc.

Access to a printer

A state of mental health where I feel comfortable bringing this up with my practitioner at my next appointment, asking her to complete her part, assertively following up when she inevitably dawdles, and persisting until I’ve ensured that my complete application is sent in

The level of mental, emotional, and physical ability necessary to initiate and complete all of these steps on my own

Look at that list. Look at how many places a patient could be confronted by an obstacle they don’t have the means to overcome, and therefore not be able to afford the medication they need even when they qualify for available assistance.

And I know that happens all the time, because I saw it when I was a social worker. A big part of my job was helping patients obtain prescription assistance, but there was only so much I could do. I could find the programs for them, explain the applications and requirements, help them fill out the forms, and hound the doctors until the physician’s sections were completed.

But I couldn’t go home with those patients and help them track down things like their proof of income or unemployment. I couldn’t be there to make sure that their depression, or lack of internet access, or the fallout from their hospital stay didn’t obstruct the process and prevent it from being completed. So quite often, those applications weren’t ever completed, the patient couldn’t pay for their medication, and they were back in the hospital a month later for something that was completely preventable.

My point in sharing this is to try to spread awareness that there are prescription assistance programs out there. Because it wasn’t until I needed one myself, and already knew what to do and how to do it, that it occurred to me how many people might have no idea. My practitioner certainly never mentioned any of this to me.

If you find an assistance program through the manufacturer of your medication but are having difficulty understanding it, completing it, obtaining supporting documentation, etc., there’s usually a number on the form you can call for help. And if there are other barriers for you - for example, if you’re so depressed that even thinking about the process is too overwhelming - please consider asking a trusted friend or family member to help you. Similarly, if you know someone who might benefit from programs like this but would have trouble getting through the application process themselves, see if they’d be okay with you giving them a hand.

We shouldn’t make it so difficult for people to get the medication they need. But until that changes, we need to look out for each other.

[elfigmlinkbf16insurance-blog]

How much would car insurance be for me? (teen)?

How much would car insurance be for me? (teen)?

I m 16. Driving a Honda Accord 2001, with 130,000 miles. I live in the state of Delaware. I m a male, with about. 3.0 average in school. If you had to guesstimate

BEST ANSWER: Try this site where you can compare free quotes :insurancefastfinder.top

SOURCES:

I m 16. Driving a Honda Accord 2001, with 130,000 miles. I live in the state of Delaware. I m a male, with about. 3.0 average in school. If you had to guesstimate

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[docsamurai]

Policy Breakdown: Elizabeth Warren’s Wealth Tax

So for those of you who follow me for my creative writing, sorry in advance if American politics don’t interest you, but I figured I could add something somewhat constructive to the discourse. Short version: I’m going to break down specific policy proposals by currently announced 2020 presidential candidates. I’m starting with Elizabeth Warren because I’m an active and vocal supporter of hers, but I’ll go ahead and do other candidates at some point. If you have a specific candidate or policy you’d like me to talk about send me a DM since I probably won’t see it in the reblogs (and I definitely won’t see it in the tags). All that said, on with the show.

So what is Elizabeth Warren’s proposal for a Wealth Tax, how would it affect people, what are the stated goals of this policy, and what are the most likely ramifications of it?

To explain it in basic terms, the Wealth Tax is a 2% tax on accumulated wealth over $50 million with an additional 1% over $1 billion. Now 50 million is a number that’s too large for most people who aren’t used to dealing with large numbers to readily comprehend so I’m going to break that down for you into what $50 million in accumulated wealth would actually mean.

The average income in America (according the SSA) is just over $48,000 and the median income (which most people say is more reflective of what the “average” person makes) is a little over $56,000. These numbers vary quite a lot depending on age, location, etc, but to simplify things I’m going to round that to $50k annual income.

So what does a budget on a $50k annual income look like for a single person in a monthly budget? Your net salary (after various taxes) is about $2800/month. Your rent (or mortgage) in a fairly average area is about $6-800. Your utilities (electric, internet, phone, water, etc) probably total around $300. Your food budget is probably around $400 Your transportation budget is anywhere from $200 to $800 depending on whether or not you’re making a car payment or not. Health insurance can vary pretty wildly so basing it off my own, you probably pay about $200 per month in premiums alone.

Though these are rough numbers (and most people have a variety of ways to save on one or more of those) your expenses are probably leaving you with very little extra room your budget. Keep in mind this budget does also not account for student loan payments, child care, credit card debt, or any kind of entertainment.

Now you might be wondering “Wait, why did we just go over income if we’re talking about a tax on accumulated wealth, I thought those were 2 different things?”. Well you’re right that those are 2 different things, but I wanted to make a point about the 50 million in accumulated wealth number and by comparing it to an average monthly budget I can better explain that point.

If I had $50 million in accumulated wealth that means that in total assets (cash in bank accounts, stocks, properties owned, etc) equal $50 million. For the simplest possible explanation, we’re going to assume that all $50M is in cash, not generating any interest or appreciating in value in any way. For comparison $50 million is literally 1000 times the average annual income. Meaning that if I previously made 50,000 and suddenly had $50M in cash that would mean that I could multiply my previous income by 10 and still have enough cash on hand to last me 100 years.

So what does a budget look like for someone living off of $500k a year, for the next 100 years look like? Your net monthly income would be $41,666.67 because you wouldn’t be paying taxes on it since it’s not earned income. Your other expenses would only increase if you decided to increase them by buying more things, moving into a more expensive home or car. Let’s assume though that with increased income you would want more a more expensive home and car, and with your increased free time (since you would no longer be working for your income) you would want to set aside more money for things like travel, hobbies, and entertainment. We could reasonably assume that with your increase in income your expenses would roughly triple, assuming that your spending habits still followed a reasonable progression. If I tripled the earlier estimates I made you would still have an additional $34,000 left per month to spend on whatever you would want. Again, there would be no point to save any of this money since you already have enough to last 100 years at this level of “income”.

So how does Elizabeth Warren’s proposed wealth tax affect this hypothetical person who has $50,000,000.00 in cash on hand?

It doesn’t.

Even if someone had four times that at $200M, it would still only affect the amount they had over $50M. The tax would only apply to $150M of their $200M and even then it would be 2% of that, so annually they would have to pay $3M in taxes which does sound like a lot of money to pay, but would decrease their net worth to “only” $197,000,000.00.

Alright. So again, in terms of direct impact this tax is only something you have to pay if you are worth at least $50,000,001. In terms of indirect impact, we come to what this tax is actually meant to do and where that money is meant to go. Now in general taxes don’t go specifically to one place. So this means that the federal budget would have extra money to work with, which means the budget could afford to pay for more things that Warren has said she would support like childcare, student loan debt forgiveness, free tuition, etc. How much money? Her campaign estimates that it would be 2.75 Trillion over 10 years. Some economists say that’s optimistic but essentially correct.

Now the stated goal of this Tax is both to address the rampant income inequality in the US and also to pay for the programs that are also meant to address the same inequality.

So what are the most likely ramifications of this? Well if this tax were to take effect we can safely assume that we will see a lot of new techniques the wealthy can (and most likely will) use for disguising their wealth. In addition, since the president doesn’t actively put legislation into law, she would require Congress to draft and approve the law for her. This will most likely mean that special interest groups and lobbyists on behalf of the wealthy will find a variety of loopholes to include in the law to help with disguising or exempting wealth. As is, we could reasonably expect that the bill would only be effective at that 2.75 Trillion number in the theoretical sense and would probably be reduced significantly.

If it were able to take effect in any significant form though, we can expect the bill to increase investment in new markets. If the majority of the “super wealthy” are suddenly having their wealth taxed at 2% (or 3% for billionaires) then most of them will seek to have greater returns on their investments to compensate for it. This will probably see a shift away from more traditionally safe investments (like oil and gas) and into newer markets with greater potential for growth (like renewable energy). Some of those markets are, of course, riskier, but the alternative would be to have their investment income grow at a slower rate.

Again this is all conjecture and speculation at this point as Elizabeth Warren is not president and has not been able to convince congress to implement her proposed policy (at the time of this writing).

Ok, that was a lot so I’m going to give you the TLDR; How does this affect you personally? If you don’t currently have $50 million in assets, it doesn’t directly. How does this affect the economy? It will probably increase the budget significantly and can pay for lots of social welfare programs that can help less advantaged people be more productive. How does this affect the rich? It will pressure them to invest in higher yield investments or to simply accept that their asset will not grow as quickly otherwise. Will the rich be able to get around this? I would frankly be astonished if there weren’t some kind of cottage industry that springs up overnight to help the wealthy hide their assets. So yeah, most likely. Is this a good thing and should we do it even if Elizabeth Warren isn’t elected? Ultimately yes. While those who would be directly affected by the tax would see a slight reduction in their total assets or a slowing of the growth of their assets through investment, they would also see a reinvigorated economy through the social welfare programs that allowed more people to better participate in the economy which would ultimately provide them with better investment opportunities in the long term. So yeah, it’s one of those rare things where everyone wins eventually (the rich just have to wait a little longer than usual to win).

So yeah, that’s the nuts and bolts of Warren’s proposed Wealth Tax. If you liked this and want to see more just let me know.

[josephvaldez6-blog]

Why is car insurance mandatory but human insurance isn't?

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Issues I have to understand: - Sixteen registered, about just how much each month for insurance? -In your opinion, what is the best/ insurance provider that is cheapest? -About how much is the cheapest that I'd be capable of purchase a used car for, accepting I'm not picky at all about anything besides it being one which really works, where I won't have to be worried about all kinds of restoration charges? All I'm seeking is approximation, although I recognize as no-one can supply mean established reply this really is type of ridiculous. (: Thanks in advance. Basically've overlooked any charges that are included with insurance or car buying, feel free to educate me? THANKS TONS." Automobile Insurance.? In the event the automobile continues to be removed the road eg, should car insurance be paid. S.O.R.N was announced. I declare it willnot but my neighbour explained it should be (he is a man!)" I would like full-coverage for motor insurance? I need full-coverage if i go to my insurance tommorow to obtain my new-car and put full coverage on my vehicle will i be able to grab the car precisely the same time? from there will help, ps i live-in boston sooo folks" Need help on auto insurance for young driver? Hello! I've been struggling to get a good quotation for car insurance for a while today. I tried all-the big name comparison sites and every one is estimating me 4k (monthly payments). I opted for 3rd party and theft, i am 22 years and my postcode starts with sl1 (slough) and that I got cross plus and had my permit (guide) since march 2011. I got my vehicle presently its a Peugeot 206 petroleum manual 1999 3doors. For those who have time you can test together with the above facts for yourself the estimate is freaking a lot of. Is that this exactly how it is or am i doing something very wrong? When you can point me for the right route that could be awesome!!" Soaring insurance???????????? do u need insurance if you should be flying in a personal jet rental (such as a private jet) Where could I find cheap motorcycle insurance? I am trying to find insurance that was inexpensive and bought a Honda CBR600F4I. Any help would be appreciated. Anyone know there and about AAA motor insurance uninsured motorist policy in California? Our daughters broker likewise mine now suggests she has to spend her deductible,. I used to get growers once the same thing occurred if you ask me (an uninsured unlicensed driver hit her).And my deductible was waived. It doesnt say anything a few deductible, after I looked over the plan. Any help would be appreciated" Why does auto insurance cost? my insurance cost me like $250 a month. That is more than my car payment. What might the rates expense for government health insurance? Simply how much will people have to pay for to become included in Obama treatment? Exist quotes? Do lots of people feel it'll be free? It's superior before you purchase them to know the price tag on factors." "Age that is does really make a difference when finding health insurance thru employer, could be the cost diverse. .?" My mother is in her 60is she dropped protection thru her company because she would spend $200 per paycheck, gets paid biweekly. She explained the rep from your insurance requires more wellness consideration and informed her because she is old, she'd pay more than her younger colleagues, visits medicine etc. is the fact that legitimate?? Her company does the cleansing for some hospitals, offices. I dont believe its a large business perhaps 300-500 employees. I work with a big corporation in sales we've 200 people in our building, the organization is in most condition while in the u.s. with several offices in each condition so we are thousands of people for that company. Your medical insurance expense is the same irrespective of age. We have 3 options to pick from, but all of US spend exactly the same quantity regardless of age also it cost anywhere from $15-25 per check. Could anyone offer some info on this matter cheers to me. If that matters we're in california. Thanks." Average cost for bike/scooter insurance? Im considering obtaining a scooter and only tried to estimate my monthly payments , including insurance. Could you please provide me specific numbers how much I ought to expect to pay or an estimation? And is it usually cheaper using a smaller bicycle? cheapest using a scooter? Im 25, no accidents or tickets whatsoever, and am looking for something between 250 and 80 ccs... Cheers!!!!!!!" "Auto insurance, accident related question.?" I've been recently associated with a car collision where a redlight went and totaled my car. I have witnesses, police reports in me got a redlight solution along with the individual that failed. My throat has greatly been drained in the accident also lowerback and right knee. I'm going through a personal injury law firm and I was suggested by them to your therapy clinic. The money this treatment clinic will receive is going to be from my insurance carrier but will I have to pay while in the fol low ing decades within my coverage for it. Or may my record be clear and my insurance costs will not increase? Cheers." Im 18-year old guy searching for inexpensive car insurance in UK? Got the vehicle and license. When I could make no claims for the firstyear in any circumstance, 1.2 ford fiesta 2004 price may be the only component for me personally. The top sofar is aviva. I've been reccomended many insurers who have provided me ridicolous The pass plus kinds and that I am requesting yot to share with me to me whos accommodate! Cheers" Introducing a Blackbox to my Car Insurance? I'm a fresh, young driver, and in order to reduce the price of auto insurance I'm considering the Black-Box (I am conscious of the advantages and disadvantages). Nevertheless, when locating a...display more" Auto insurance charge... roughly? I'm thinking about obtaining my dads 1971 Plymouth duster as my vehicle after Iam 16, what could the annual expense be and 15?" Simply how much do insurance costs fall after one year for youthful individuals? I am a 17 year old guy and spending 125 a month when you would ever guess its a large attack to my bank account. May my charges fall in the next year of course if so by how much although im on my moms policy?" Miguel's insurance provider repair costs 80% of value. Continual $8000 worth of injury what was importance of car.? The insurance carrier repair of Miguel prices 80% of-value. Experienced $8000 worth of damage what was price of car.? Pupil health insurance...please help? Since becoming independent, so, I am searching for my first healthinsurance. What's an acceptable sum for the value per office visit as well as the deductible premiums? I truly don't know...cheers for any advice. i'm the full time student btw and i'm 19 female" Medical Insurance for 20 yr old in NJ.? I reside in New Jersey. I am 20. I havent since i was about 15 had health insurance, and I stay with a friendis household since I've no parents. Is there anyhow I will get medicaid or any type of inexpensive insurance? I study that Medicaid is just open to handicapped, seniors, and folks with children. Do i have another choices if thats accurate? (My mom had medicaid and that I was on her behalf policy before she died). Likewise, health is offered by im in college full time, although not in a college, hence the faculty doesnt. Any opinons/info is valued." Insurance for 16 year old? I switch 16 and acquire my permit in June(I'm a man). I'm going right through People on my father's strategy that has 5 cars onto it previously, and getting a 2003 Toyota Rav4. Simply how much will impact and responsibility charge for me personally?" Why is car insurance mandatory but human insurance isn't? You people really think car insurance pays for anything? I recommend you to visit this internet site where one can compare rates from the best companies: http://insuretips.xyz

[fallonbrock07-blog]

Is the lack of affordable health insurance so bad people have to come on yahoo for advice?

i'm very concerned about the people who come on here for medical advice. some of it is very general, but some of the stuff here should be checked out by a doctor. should yahoo remove this section? i think it's a bit dangerous for people to rely on laymans for medical advice. last time i checked you had 7 years of school to deal with. not to mention the people that have been to the doctors and still come here and ask questions. it's like, why did you even go to the doctors. to me, this seems a bit nuts. or is it just me? I recommend one to try this internet site where one can get quotes from the best companies: http://QUOTES-FOR-INSURANCE.NET Is Arizona's new regulation profiling against individuals without auto insurance and driver's permit? Is Arizonais new legislation racial profiling against individuals without auto insurance and driver's permit? Inexpensive full coverage auto insurance? Would it not be cheap er to place my property is rented by me or just other on my insurance for my automobile. "In case you lay to your new car insurer, what happens?" I had been cancelled for reasons from my arms, seemingly the insurance person did not report I had spoken for them within a conversation. Thus my dealer ended my insurance. Today everywhere I go they would like to charge me far more for termination and I can't get through to my firm to try and have the cancellation revoked. What happens easily say i and connect with another auto insurance firm was n't terminated. I pay ontime there's nothing wrong, are they going to find out about the previous company somehow?" Does insurance compaines address anyone or the car at-fault? The girl that parks alongside me within my residence swiped the side of my vehicle. She is now claiming her buddies park her car occasionally, but she understands she didn't hit on my vehicle. Privately her car is her obligation and I feel just like even though a buddy of hers was parking if the event happend, she's accountable for injuries because its her car. Could she not be irresponsible? If she does not have insurance can I take her to courtroom? And if she comes with insurance might they address this? I even have photographs that are great." Just how much is auto insurance to get a 19-year old? Regular estimate.? Just how much for a 19 who'd one collision? "Have not been paying my car insurance, aid?" PLEASE READ THE WHOLE LOT Okay so long story small, my bank messed up and my car insurance did not receive money for. It was about three or four months ago. And it merely quit every month removing cash from my account, and that I realized I get without insurance and would take my chances. I didnot end anything or it. I had State Farm, and that I realized since I got a new car anyhow I wouldn't bother, but obtaining a new car took considerably longer than than I believed and that I just-ended up finding one recently. Therefore I got a 2000 Buick Park Avenue, it has airbags, all that. It will have a low insurance fee that is reasonably. I have gotten no injuries, although 1 speeding citation. After I called by way of a distinct auto insurance business although, for a quote, they told me it'd be $230 per month. Why is it superior? Is it because I ended paying for my Condition Farm Insurance?" How much do you pay for Tiburon insurance? I've a 2002 Honda Civic coupe but am looking to encourage my parents to check out a 2003 Tiburon. I'm 18 years-old, did the student driver plan that is secure and also have not had any incidents. Furthermore, dad considers that Tiburons are bad cars; I've seen plenty of mixed opinions. Are they trusted cars when compared with a Honda?" Will CT racing ticket result my NYC insurance? I've recently received an out-of-state speeding citation in CT, as well as the stateis coverage is that if you merely pay the ticket (pleading no contest) there'll not be any factors added to your license. Ny, the policy for my property condition, is the fact that state moving violations such as this one does not be recorded out of by the state. My issue is that if so I wouldn't obtain details I were to only spend the solution, would my insurance provider in NYC nevertheless be ready to boost my costs? Could they perhaps figure out? Anyone with a simalar expertise between both of these states could be extremely beneficial" How can I find affordable health insurance for selfemployed? For him and just me we spend $927 a month! He has no medical ailments. I take 3 medicines for despair and anxiety, but its been a lifelong thing, and I involve not psychiatrist or anything, like that, just the meds from my children doctor to keep my compounds degree. May we get guidance, or is there special help for your self-employed? I am 35 and he's 40." Which kind of termlifeinsurance to have? I'm a 23-year old male that has type II diabetes. I've around $40,000 price of debt from student loans, and that I'm going to be marriage in annually. My parents show more" Howmuch may my insurance increase? I got in a fender bender and my car is now totaled, it is because my vehicle is apparently not worth around a but I intend on finding my 02 xg350l set. But regarding the damage is was fully my mistake but I had been merely mentioned no citation, howmuch more can I need to pay considering no ticket was given? I'm 17 that is my wreck and that I live-in Washington if that helps. Thank you." What's the average expense for obligation insurance to get a small-business and exactly what does it incorporate? And what other insurance-do you will need? In ireland by the way Who's the best life-insurance broker/brokerage in Southern California? I am looking to purchase life insurance for my spouse and myself. Everyone know on getting the best option in San Diego state somebody who does an excellent task?" Difficulty getting autoinsurance Florida? Difficulty getting auto insurance California? Vehicle insuranse price with increasing cameras. that is fresh? If autoinsurance is reducing traffic cameras as a result of new rate cameras, redlight running I was wondering, and proper switch cameras are just starting to climb inside the district. Now is this anything the automobile insurance firms take a look at to produce costs for state or town which we live in?" a vehicle that along with insurance is being kept in a garage? I will have my full license next Drive and I was thinking about easily discovered an automobile (before subsequently) and bought it, listed it and authorized it but didn't use it till March (shop it in a rented garage). Easily did this, might I not pay insurance till I go onto the road (I Have read I can have it SORN)? Furthermore, if I did get insurance for it (must something occur to it although itis in storage) could I pay less than what I'd if it were traveling and when therefore, how much of a difference would that be?" Howmuch might insurance be for somebody like me? I've monthly, employment that pays 1300, im 23 years no previous record, old. no credit. Basically it would be my insurance for a vehicle. i reside in minnesota saint paul, howmuch would it not be? My sis says it may be like something or 300 dollars? If u require other data ill tell thanks guys to it" Does anyone learn about function insurance in nigeria? We're ptentially going out for just two days to match a conservatory insurance not holiday but work / lifeinsurance "Can anyone tell me, on average, what household insurance on a dual-wide mobile property is in Indiana?" I live-in Indiana, and am seeking inexpensive home insurance for a dual-wide truck. Does everyone know typically what insurance runs in Indiana?" Is renter's insurance needed for tenants in california? Is renter's insurance necessary for tenants in colorado? What's the top affordable medical insurance for students available? If anyone has any recomendations, I am considering changing my provider and was wandering?" Cheap Car insurance............? My license was only held by im 19 residing in britain for a week now. im being cited 4 and half lavish insurance over a 1.4 civic. That's bullshit. does anybody know an affordable insurance legit one? i need to start driving ASAP. "Life, car, and property insurance inquiries?" The type of lifeinsurance frequently applied as mortgage insurance is: A. decreasing term. N. General life. C. Lifetime. N. homeowners insurance. Costly jewelry is usually covered with a(d): A. umbrella policy. W. replacement cost driver. C. Plan floater. N. Named- coverage that was perils. The U.S. Congress added disability insurance towards the Social Security Act in 19____. A. 35 N. 54 H. 65. 72 this kind of automobile insurance protection could help spend your medical bills, should you were wounded by a reach-and-run driver. A. Uninsured motorist safety B. Complete coverage D. Medical obligations N. Wreck insurance generally of thumb, specialists state that many people that are married must bring ______ times their net pay in life insurance coverage. A. 2 B. 3 H. 4-D. 5" Simply how much is it to cover a lancer evo IX MR? Im 18 your old son wanting to work out how much it is for the car to get a gentleman my age typically for insurance. Is also the fq400 an import? Where could I find medical insurance providers? I am looking to purchase a temporary medical health insurance. I require this health insurance for only a few months and am a student. Would you know health insurance vendors that may enable me, any reliable? Should you might please supply perhaps a cellphone or a site I would actually appreciate it! Thank You" Is the lack of affordable health insurance so bad people have to come on yahoo for advice? i'm very concerned about the people who come on here for medical advice. some of it is very general, but some of the stuff here should be checked out by a doctor. should yahoo remove this section? i think it's a bit dangerous for people to rely on laymans for medical advice. last time i checked you had 7 years of school to deal with. not to mention the people that have been to the doctors and still come here and ask questions. it's like, why did you even go to the doctors. to me, this seems a bit nuts. or is it just me? I recommend one to try this internet site where one can get quotes from the best companies: http://QUOTES-FOR-INSURANCE.NET Why do auto insurance retailers seek to punish people. that is Simple? No body has auto insurance since it is unconstitutional to prove you're purity. Be honest with people and do not buy motor insurance. No one can push my loved ones or me to buy what the are marketing. THE MAIN QUESTION IS: what you think about motor insurance retailers? ." In regards to life insurance policies? Whenever a person could be the main successor & the deceased left debt, does the amount of money will be the successor for spending the debt, responsible or for the outstanding debt turn out first?" Insurance company drug-test to get a lower-rate? I am not dirty at this time, I handed and recently took a drug test today athome. I used to be just thinking what any motor insurance corporation or Farm Bureau Insurance may test for in a youngster whose parents are seeking to get a lowered fee? How intensive might the exam be? Could they check for LSA or LSD? I'm NOT APPEARING AS A MINIMAL! IT'S JUST A PROBLEM! WILL PICK BEST ANSWER! thank you to your support! :)" "HOW MUCH WILL INSURANCE COST ON 1997 1.2 3-DOOR, LTR, 57000 DISTANCE COST? THANKS FOR ADDRESSING BEFOREHAND Fellowship in insurance? What is the opportunity for fellowship in life insurance and standard insurance in asia to begin a career in insurance. Can an insurance carrier know you've a pre existing problem if you don't let them know? Like if I go to a physician on my new insurance provider but-don't tell them I used to be diagnosed as having INCLUDE after I was a kid (the past time I needed medicine because of it was a decade ago), will they have an easy method of discovering?" "Ford Crown Victoria Insurance, and Gas cost?" Foryou crown vic entrepreneurs, I want to buy a 2001 Crown Victoria. Can it be a real gasoline eater? Simply how much you think the inssurance would be to get an 18 yrs old guys? Except as it pertains time to take the rear of them I love them crown vics." Need help with auto insurance? My car insurance was terminated because of no funds on January. I got laid-off and mightn't create the funds. However, used to donot return the plates to rmv and was driving uninsured cuz I had ensure it is to college. I want to have covered again and just recently got work. Nevertheless, Idonot learn how to start the procedure again. When could I get yourself a new menu and what happens when I return price can I pay.where do i pay it should be returned by the plates.where when am I going to manage to get covered again. I reside in Massachusetts. Happily appreciate an answer thanks" Florida automobile insurance premiums planning/gone up?!!!? I'm turning 25 this month and called because i wished to get a new (ideally lower) rate if you are that age and never having any seats or violations. They proceed and quote me anything higher-than what I'm spending! I asked that's exactly what the explained and why. That the state-of California has been hit with higher prices. ~WHY? ~When did this happen? ~Why doesn't have one discussed this? ~Am I the only one being affected? ~Is there anything I will do to reduce my fee? ~So being 25 and having no tickets or violations is now not pointed in regards to motor insurance?? " What exactly does general liability insurance cover for a small business? would like my own personal car insurance, but don't realize who touse?" When I first began driving but then for whatever cause, I'd my very own insurance I subsequently proceeded to my mums. Any kind of providers that are respectable outthere that don't be thus highly priced? Our mother presently pays 562.00 ish with me. I've found myself one like a brand driver for 555.00 together with her. Obviously it's cheaper with her about it. She is officially the master. She's no beliefs or anything and has no-claims, uncertain how many decades and contains another vehicle she uses. Just how much must I expect to pay for? I have been driving for 7 years. Any help will be appreciated." Why does not Barak need people to be capable of get healthinsurance from other claims? Would not more opposition n't be created by this inside the insurance company? Common auto insurance loophole? I've been wanting to get insurance that is basic on my '71 F250 for a time nevertheless the one necessity I don't match may be the fact that I-donot possess a suitable principal automobile/daily driver. My main vehicle is actually a bike which is possible in Arizona but does not qualify accordingto insurance firms regardless. My concern is, can there be a way? My cousin and I share a place and that Iam wondering if I could incorporate his vehicle to my coverage in order to meet up with the principal car/daily driver diploma. Does the car need to be under my title or may I cover it as though it is a loner? Thanks for any insight beforehand." What are the least expensive auto insurance organizations for young motorists? What's the low est priced significant auto insurance corporation for a 19 year old male, with injuries or no violations? Going to be acquiring first auto next couple days and need insurance. Obtaining a considerably older car or truck and so I do not automobile much about comprehensive and such, just need state minimum protection (20/40/15 in IL) to be legal. I've noticed prices from Geico, Gradual and Protected Car. To date, geico has been noticeably the best. I checked numerous types I was considering, on-average progressive was about $100/mo, the Typical and Secure Automobile were around $120 and geico I found the bottom as $45/mo starting as much as $80/mo (but I've already eliminated that automobile- a ford probe that offered before I could testdrive) I'm thinking if anyone knows of any other key organizations with lower premiums, usually I'm naturally using geico. Today my options are down to a mitsu eclipse or even a camry/corrolla/agreement (something of the nature, whatevers about the ton and charged appropriate) The eclipse from geico I believe was around 60-70, I envision the camry wouldbe more inside the 45-50 range. Any organizations with costs lower?" How to get a vehicle with a cheap motor insurance? I'm in need. About How Exactly much might insurance be for this auto? It is a SL. I noticed easily got an alder camaro it would be around $145 per month, but can drop depending on just how long you-go without accidents and tickets. A 1992 Mitsubishi 3000gt SL., so yeah Cheers" "If she lives with me could I fit my girlfriend? Or do we have to be committed?" May I set my sweetheart if she lives with me? Or do we have to become married?" Why does my autoinsurance keep going up? My auto-insurance premium generally seems to keep escalating. I-drive a 2001 Nissan Altima a month, and Iam spending over $250. I've no crashes or racing tickets on my report. the same insurance company is used by us. What is apparently happening?" Where may I get auto-insurance at a reasonable price? My car was offered by me and didn't require autoinsurance year. Now, I Have purchased the insurance company & another auto. Will not guarantee me because I'd a lapse in insurance although used to do not need a-car to include?? I've a valid certificate & a clear driving history. What am I likely to do? I would like collision insurance, although the automobile is paidfor. One co. Presented me liability at the price for wreck!! Silly!" Why is there a disclaimer about the Allstate Auto-Insurance ads that claims Not available in-all states? Afterall, its called Allstate!" Only qualified to receive group insurance? My partner is not only ineligible for group-insurance due to numerous accidents/procedures acquired from sports that are playing. Gains does not be provided by his manager, nor does mine. I had been not unable to have insurance secretly, however they rejected him. What can we do?" "How do we get them to pay, founders insurance refuses to pay for an accident?" my friend got rear ended along with the attack was so serious they shoved to the person facing them-and the vehicle responsible ha pioneers insurance don't pay they've to cover medical charges in addition to the automobile being totaled.they will not answer their phones or return any calls in any way. I looked up the critiques for everybody and the business says they draw...therefore today my issue is currently how do we encourage them to purchase the vehicle and medical bills nothing and its" I would like a good car just like a 1992 - 1997 supra for my automobile. How much will the bonuses cost? Easily excel in my own senior year of college, my parents can by me an automobile! I've done a little of research, and concluded that i would like anything over a Toyota Supra's traces. I am not also considering energy and rushing qualities e.c.t but i love the way in which it looks. A Toyota Celica also seems looks about the cards. As im on the funds of around $15 000Au (Around $20 000 National) i am considering one of many 1992-1997 designs. I am concerened this appears too-good to become genuine, and that I am likely to have to pay for repairs, insurance, energy (Gas) and rego. I've noticed why these automobiles are reliable but I MUST SAY I don't want to have to fund considerable amounts of these bonuses. So basiclly just how much will i probs must purchase these? What other related vehicles is there?" Auto insurance? Where may I obtain the insurance? Car insurance in britain? In britain do if your car is around the garage, you have to pay for auto insurance or off road" Could I get my MOT done without insurance? Our automobile needs an MOT and right-now its over a SORN because im waiting for my pay and so I could possibly get insurance, my problem can be as follows: I am aware that you might want an MOT one which just insure your vehicle but to get my car to its MOT I would need to have it protected? How does this function? Can i obtain away with it or will there be some unique policy I must remove and push without insurance for the garage? Please support." Is the lack of affordable health insurance so bad people have to come on yahoo for advice? i'm very concerned about the people who come on here for medical advice. some of it is very general, but some of the stuff here should be checked out by a doctor. should yahoo remove this section? i think it's a bit dangerous for people to rely on laymans for medical advice. last time i checked you had 7 years of school to deal with. not to mention the people that have been to the doctors and still come here and ask questions. it's like, why did you even go to the doctors. to me, this seems a bit nuts. or is it just me? I recommend one to try this internet site where one can get quotes from the best companies: http://QUOTES-FOR-INSURANCE.NET