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GummyBearz

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Member since: Sun Sep 7, 2014, 11:47 AM
Number of posts: 2,931

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Anyone get over night bloody noses in dry climates?

Every time I go to Denver I wake up with a nose full of blood either in the middle of the night or in the morning. It also happens on the rare occasion the air is really dry where I live. Does anyone else have this problem? What can I do to fix it?

Interesting data point for my 2016 health insurance

This is not a rant about my personal situation, as I know I have it a lot better than some people. This is a rant about the system in general. Please keep that in mind. Also note, all numbers are for the "in network prices". Out of network prices are roughly 2x.

For the last couple years I have had great health insurance mainly paid for by my company. They have low or no co-pays, an HSA credit card that my company puts $6750 into for free every year (I can put money into it before taxes, but never needed to), they pay for my wife's birth control even though she opts for a more expensive alternative to "the pill", and the list goes on.

This amazing health care plan just got its rates increased to the point where they company can no long afford to offer it in 2016. At this point I want to stress the fact that my company is small (~50 employees), treats us all incredibly well, is very profitable, and wanted to keep the old plan by any means possible. In fact our amazing dental plan is staying as is, and actually got cheaper by $20/month. The new plans being offered are a bronze, silver, gold type plan. No more HSA, the gold plan has $5 co-pays, silver has $10, bronze $15-$25 depending on situations. For a large amount procedure's they also require a "co-insurance" of 20-35%... something I have never even heard of before. Deductibles in the ~$7,000-$13,000 range, which is higher than it used to be, a cost that goes up with age and with number of family members covered over 2 (ok, that makes sense).

And after all those co-pays, co-insurance %s, a healthy 33 year old ends up paying $150-$200 per month. That's not bad. What is bad is I got a look at how much the company is subsidizing me. If you add that number that into the total, a healthy 33 year old costs $700-$1000 PER MONTH for a plan that includes out of pocket fees at every damn turn of the road.

And my dental insurance went down........... what the fuck

Tokyo cops are using drones to police other drones

http://www.telegraph.co.uk/technology/news/12045733/Tokyo-police-are-using-drones-with-nets-to-catch-other-drones.html

Imagining this is making me laugh... I can't wait for the first high speed police drone chase

I was invited to look into this group

I wont pretend to be working poor, I am one generation removed from it. But I saw it first hand in my family as I grew up and went through high school. I am a lucky one, due to my dad's tours in vietnam and California's amazing college benefits to sons and daughters of disabled veterans. I am in the ever shrinking middle class.

But the reason I wanted to post here is because I can never forget what it was like to visit my grandparents and uncles who were working poor. The constant struggles with things most people wouldn't realize. I have a vivid memory of my grandma explaining to me how I can get extra tooth paste out of the tube when it seems to be out. Use a razor and cut lengthwise and you can get another 1 week of tooth paste. I didn't quite get it back as a 14 year old, but I get it now. The bottom line is that its fucking rough, and it has only been getting worse. Real change is needed, trickle down at this point is PROVEN not to work, and I believe trickle up should be given a shot. $15 min wage is a start.
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