“She’s starting to get really anxious about the reality of not having normal income” That stress is real. She can’t spend/live off the capital on her home. Based on the info above, she should save and invest
I’d consider a number beyond simply what is earned. I have friends, family earning six figures but are up to their eyeballs in debt and expenses for mortgage/rent, high car payments, and lifestyle creep leading to crippling debt. They’re stressed and miserable. More money more problems. They may “make” a lot of money but they don’t “have” a lot of money. Widening the gap between earned and spent is the target to look at and it’s a balance of managing needs/wants while keeping yourself happy and secure.
Indeed! Made the edit, thanks
My crystal ball is garbage but if history holds true then the release of 6th gen won’t materially impact used 5th gen pricing. 5th and older gen 4Runners hold their value exceptionally well. I’d be more attentive to something like interest rates to time a decision to buy
Curious of your thoughts on best methods to farming Varshan Parts. With new helltide design, I’m overloaded with shards and bottlenecked with eggs. Used to be the opposite pre S4
No you don’t need to share that. That’s a strong red flag you’re engaging with an incompetent and unethical front office and billing staff.
Sounds like Homeland Healthcare
Zach Wilson interning on the side
This is worth underscoring. It’s a common knowledge gap for people dealing with billing confusion. Any amount you pay to your doctors is not known or accounted for by the insurance company If you have a $1,000 deductible and you pay your doctor that, your insurance company will still send you an EOB saying you owe the doctor $1,000. The insurance company is not tracking or accounting for your payments to doctors.
She’s a beauty, congrats. Pardon the unsolicited advice- cover your insulation with a vapor barrier. All sorts of health hazards happening there
I use one today and it’s the second I’ve owned (different car was my first). They’re sturdy, fit perfectly, and work great to keep heat out. Recommended
Bars already clean what did that thing even do
This is a golden opportunity to mitigate that “getting bored with a car” itch with him. That’s an expensive scratch to manage
Given your expected healthcare consumption, I’d go with the HSA and sock away the $97/month into an HSA account. Then keep saving into the HSA, and then invest those funds and do not spend it. The greatest benefit of the HSA is the tax savings. Put money there let it grow tax free.
The EPO costs you appx $1,200 per yr in premiums. Think of that as simply the price to put the card in your wallet. You could never go to the doc and you’ll spend all of that. With the HSA you will spend $12 in premiums per yr, and your healthcare usage won’t get near $1,200 worth so you come out in the black.
And again, HSA account funding benefits. Pay less in taxes, save for future.
Great insight thank you
Not a fan of the shirt and jacket pairing. Gives off overly salesy salesman vibes and I’d have a subconscious bias to not buy whatever you’re selling
Correction- the 31231 is a diagnostic procedure, so you should also see your benefits for diagnostic services. That’s prob towards deductible too. I’m predicting the endoscopy charge patient responsibility being correct but the office visit isn’t right
The office visit should be the $75 copay and not the $342. An in office procedure could apply to deductible though. It looks like there are “remarks” (1) (2) cited. I’d be curious what those say. If there’s a section on your benefit docs for “outpatient services” I’d bet it says deductible applies.
First time I see a brisket cut with scissors
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Trump supporters react outside courthouse as guilty verdict is announced
PublicFreakout