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But come on, a week before the season? That is just a lack of integrity.Click to expand…
Good luck! Hopefully, it’s not just a honeymoon phase. We’ll need followup!
I would never just say sorry, we screwed up. It’d always be an explanation in the context of new info. We thought the dx was this, but since treatment hasn’t responded the way we had hoped, it appears it actually is this. Sometimes, you can do all the workup and still be wrong. Rarely do i think blatant physician mistakes make a huge difference in outcome. Most mistakes are small or just incorrect judgment decisions at the time. The diseases are the diseases. Sometimes earlier diagnosis only means the patient lives longer with the dx. Early stage tumors can end up metastasizing even with treatment. We all have our list of things we absolutely can’t miss. Everything else is in the gray area.August 23, 2019 at 9:13 pm MST in reply to: Apologizing doesn't reduce the likelihood of malpractice? #241215
You’ll have to balance across all accounts but unfortunately i think you’ll need to invest in some of those funds to meet your desired AA.August 22, 2019 at 5:07 pm MST in reply to: Guaranteed 3% return vs 2% ER funds in pretax accounts #240785
VTSAX YTD 20.41% as of 7/31August 22, 2019 at 5:05 pm MST in reply to: Guaranteed 3% return vs 2% ER funds in pretax accounts #240784Liked by SerrateAndDominate
I would use the guaranteed account for your fixed income and try to get a taxable account as large as possible. Hopefully a spouse has some tax advantaged space. But even this year, 20% growth – 2% in fees still crushes the 3% guaranteed. You may have to use one of these awful accounts.
The other factor is that changing the funds is only part of the problem. The account fee is completely unreasonable. So is Hartford’s additional fee. This is the stuff of lawsuits. If you can stomach it and could land another job, lawyering up is definitely an option. Seeing what other cases have won, I think these fees would be hard to defend when benchmarked with other plans of similar size.August 22, 2019 at 9:17 am MST in reply to: Guaranteed 3% return vs 2% ER funds in pretax accounts #240707
What does technically a non profit mean? A 501c3? Or not? If not, you’ll want to make sure this qualifies.August 21, 2019 at 7:22 pm MST in reply to: First year resident wanting to get started on the right track #240599Liked by kobeshaq824
Yeah, get it, it’s cheap. I have net worth around 0 and have $1MM.
I imagine in your late 30s and 40s you start to think big picture and realize this is your life. At work, you’ve probably reached the majority of promotions. You’re now in charge of bigger projects, more people, etc. When bad days happen, you just feel stuck. At 20, you can change careers. At 30, you’re less established in an area and can move jobs more easily. Leaving a social circle and starting all over probably is an intimidating task. That’s why we see so many people here asking about job changes, because it’s scary. When you’re 16, you never asked anyone if you should go scoop ice cream instead of stock shelves.
And what’s there to look forward to at 40? Retirement is far away. The fire movement would probably leave someone lonely without work friendships or if they don’t have something to retire to. I imagine kids become less fun/cute/loving in their awkward middle school years, which probably happens around this time. All the same stuff is happening to one’s spouse presumably too. If people are like us, it’s also incredibly difficult to get together with friends because everyone’s always busy. You add it all up and i can see how it’s the most depressing time of people’s lives. I didn’t even mention people’s health and self image isn’t the same as when they were 18.
my mother does not know much about finances and wanted my advice to make sure that he is not acting impulsively with their savings.Click to expand…
He is. As long as it’s not dementia, you probably don’t have a say in it. If you have your mother’s ear, I’d tell her they could use a financial planner. A good CFP would certainly pay for themselves it sounds like.August 20, 2019 at 12:38 pm MST in reply to: Concerned about older parents making radical change in portfolio #240198
Yes, that’s an issue but not the main issue for this bill. It’s hard to have good faith negotiations for fair market rates when failing to reach a deal advantages one party so much more than the other.August 20, 2019 at 10:58 am MST in reply to: Anyone see "The Farewell". Viable option as a treatment for end stage lu #240172
With the new bill, the OON rate will be the legislated rate (median or some percentage of Medicare, which is likely lower than current market rates), not whatever the group chooses. So group f, being OON, can’t charge $100. They’d be required by law to charge the set rate. Your scenario exists currently. But if the OON rate becomes the much lower legislated rate via this bill, why would insurance companies even negotiate? The insurance companies all of a sudden are ok with OON rates because those are lower than their current rates.
So in that case, who is OON that will be negatively affected? Sorry, not trying to be dense, just trying to understand.Click to expand…
I want to clarify your scenario: A, B, C, D, and E groups are all in network above. A and B have the lowest negotiated rates and are below median rate. They choose to go OON. Correct?
Patients start complaining that they pay more because they’re OON and have to pay more co-insurance and have higher deductibles. Patients start moving to groups C, D, and E. Hospital #1 has contracted with group A. Because their contract requires them to be in-network with insurance Z, they give them a 90 day ultimatum. Either lose the contract or go back in network (presumably at their previous lower rate).
southernerdoc did a good job of outlining how groups with better contracts would also be negatively affected.