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  1. Vaclav

    Health Care Thread

    X: Your starting number for Germany is too high 14% on first Euro. And you are ignoring that 25-40% are the average deduction range that most people see since they allow. Solidarity tax is multiplicative not additive so adding the solidarity tax to say 50% nets to 52.75%. Additionally their cap...
  2. Vaclav

    Pregnancy Thread

    Ouch Tred, not heard of your condition - sounds even more important than mine to screen for (oculodigitaldental dysplasia) - and after hearing all of the costs involved I decided to give up on any hopes of kids with the wife personally. Out of curiosity what's the motivation to go through that...
  3. Vaclav

    Smartphones

    On Sprint, not Verizon - no matter how much I want it, can't get it till next Wednesday/Thursday because Sprint doesn't get it til Mar 10/11 (Sprint Store/Best Buy Mobile - probably doing the latter so wife and I can get differing colors, Sprint's sticking to a single color - gunmetal, BBM will...
  4. Vaclav

    Health Care Thread

    You do realize that the AMA and insurance industry killed that idea, right? If you're talking about the same world with insurance and the AMA like we are in today, he was 100% correct to talk about it never really being cheap.
  5. Vaclav

    Health Care Thread

    You posted an opinion - followed by a supporting OPINION piece - that is one person's opinion that you're using to trump up a nonsensical argument using that nonsense as a foundation, which only serves to support a nonsensical argument.Middle class - Wikipedia, the free encyclopediais an example...
  6. Vaclav

    Health Care Thread

    Yep, somewhere around $400b could be saved by closing overseas bases with no tactical value alone. (Leaving stuff like hospitals and such though and a few hubs)
  7. Vaclav

    Smartphones

    Nexus S and GNex
  8. Vaclav

    Health Care Thread

    The ACA is averaging a projected cost of $30b a year, the best case generates revenue - are you honestly saying we can't afford to invest something in additional productivity? Keep in mind spending in that way works like trickle down economics of yore - it gets spent productivity rises, extra...
  9. Vaclav

    Health Care Thread

    The current Medicaid expansion is where all the loss if any the ACA is causing the rest of it is neutral or better. Research more, talk less, than come back speaking as an informed person. Right now your proposed idea when it was floated in 04 was shot down for having a projected cost of...
  10. Vaclav

    Health Care Thread

    I prefer my sutures done with sterile adhesive rather than maple syrup, thanks. (Kidding, but supposedly it does work as one and is antiseptic not that I'd ever try)
  11. Vaclav

    Health Care Thread

    Subsidy is largely footed by the insurance companies themselves if you actually bothered to read the ACA. The rest of it comes out of the part of FICA that used to go to hospitals to cover defaulted care costs that should now be mostly irrelevant. Even if you're too lazy to read the ACA, it...
  12. Vaclav

    Smartphones

    Side question: Been thinking about trying to repair our old phones (digitizer is fine, screen cracks on both) and gifting them to my parents since my dad was eying my phone last time I was there, he loves gadgets (as well as the service for them, since they're AT&T ATM - easy way to get the...
  13. Vaclav

    Health Care Thread

    $349 ACA plan I'm sure is presubsidy, and there's far more to it than just that one bullet point for their differences. For a median earning individual, the plans would be almost identical in cost assuming you don't have the subsidy in there, which from the ZIPs for Ohio I used, it absolutely...
  14. Vaclav

    Steam Deals and Digital Sales

    Bound by Flame is a week from Tuesday so if they're stocking it, it'll work also no indication of having to stick to one brand.
  15. Vaclav

    Health Care Thread

    Less than what it was projected to if the ACA wasn't enacted, not under its own projections. Thus the preACA qualifier - before the law was even passed to try to make estimates based on it. (It did come in under its own as well, but only slightly 16% projected vs 14% actual IIRC) You keep...
  16. Vaclav

    Steam Deals and Digital Sales

    Nice deal, wonder if they're getting Bound by Flame on time, would love some B2G1 with it.
  17. Vaclav

    Health Care Thread

    You could be dropped or rate adjusted for PEC before too you do realize, right? It's not just for starting a policy - I lost mine when I became disabled, blaming it on my genetic condition that of course predated the policy. And they were different, that was considered to be the status quo...
  18. Vaclav

    Health Care Thread

    It's not supposed to eclipse employer healthcare. So comparing it to something it's not supposed to beat or match is ludicrous and demonstrates a fundamental misunderstanding - it's nice for the rare cases it does but those are outliers that weren't part of the intent. And the ACA is...
  19. Vaclav

    Health Care Thread

    Most Fortune 500 give a 80% contribution to healthcare so using your post employer cost as any litmus is hilarious. You are likely paying one fifth of what you see coming out of your check. Frk: Scar repair falls under cosmetic and it's a very wide thing, skin grafts if you get a third degree...
  20. Vaclav

    Dark Souls

    The good ending is - there's actually two choices when he dies - the other is to walk away and just zone out. [with its own better ending IMO]
  21. Vaclav

    Health Care Thread

    I assumed it would be public, perhaps it is - but I'm not seeing it - when dealing with stuff that is private like Chargemaster records it's usually best to sidestep them - would've been better to check first, on the latter I didn't read any deeper into it. And this is basically a long Excel...
  22. Vaclav

    Health Care Thread

    Not seeing an easy searchable version netwise, I have access to a Chargemaster summary which while a few years dated has the max allowable per procedure at $20k for cancer treatment for Lumenos OH. Lumenos CA is $40k. For comparison a Medicaid program I recognize from here in MD has $75k...
  23. Vaclav

    Health Care Thread

    So he PMs me their list which includes a "above our determined cost" which for cancer and dialysis are listed on their website as $20k max benefit to somehow d disprove me. Amusing how strong the stupid is in this one line is right there for him but can't fathom it would cut off other things...
  24. Vaclav

    Health Care Thread

    Frk: ACA plans cover cancer and rehab and dialysis and more that yours doesn't.... apples and oranges...
  25. Vaclav

    Health Care Thread

    You're a pretty extreme outlier then frx - from what the average policy in your state is quoted at for an individual policy, like yours - they're quoting $332.58 from the Ohio Lt. Gov. in her statement on why the ACA should be repealed. It goes onto continue to say "The administration's Sept...
  26. Vaclav

    EQN:Landmark Beta Starts March 26th!

    Key 1 is used, thanks a bunch - will no doubt be a Vaclav of some variant once I jump in. Probably just Vaclav.
  27. Vaclav

    Smartphones

    I think he's musing the worldwide wifi plans some are working on. I think a few cities are close at this point, but that's s long way to nation or world.
  28. Vaclav

    Health Care Thread

    You're in VA? ACA can hit $250/mo presubsidy there from what I just ran... And 40% subsidy or so to beat your plan is around $70k or less IIRC. And if it doesn't require the account it's not a HSA, you can deposit to an HSA up to 5 times the deductible tax free IIRC, but every single one I...
  29. Vaclav

    Health Care Thread

    Frk: it's a HSA that's why, they're psuedocatastrophic... read the fine print and I guarantee there's an annual or lifetime limit on what goes past the HSA account's value. They're actually to be banned under the ACA under the same thing as catastrophic if memory serves because of lifetime...
  30. Vaclav

    Health Care Thread

    It's probably a catastrophic plan with a $5k lifetime max or some shit like that AZ and a few others allowed and aren't banned yet. The kind he'd be complaining about the minute it really was needed. "Got cancer? Whoops over your limit, cancelled!"
  31. Vaclav

    Health Care Thread

    You still didn't answer if you're quoting your insurance as an employee policy, because if it is (it is with those numbers), your actual rate is much higher some employers pay up to 90% of employees insurance costs, and 60% tends to be the low-end since that maximizes the tax credit for...
  32. Vaclav

    Health Care Thread

    Average age for planned births has been steadily increasing, last I checked it was already mid 30s - so what you're talking about is the status quo already.
  33. Vaclav

    Health Care Thread

    Socialized medicine nations are almost all modeled after MEDICARE not -Caid in fact all -Caid is is private insurance with a payment schedule of 40-80% depending on their rating, period. A GOOD Medicaid doctor can make as much or more as a standard one, if they make sure to keep an A+ rating...
  34. Vaclav

    Smartphones

    Oh that was a tease at myself to remind myself to readd it, started with it but got cheap down the line - think it was a month later my cat decided it was fun to push off the counter onto tile a few times... (it survived 3 or 4 without cracks though - still fully functional though but man the...
  35. Vaclav

    Smartphones

    Eh, might be a bad person to ask the "who can" question - my circle either I don't know or have full bought in the past already. Most have full bought. (I'm on the fence about it, hate to touch the trust but $1300 one time from it is better than $55ish every month from fixed income - the joys of...
  36. Vaclav

    Smartphones

    Shrug depends on how savvy you are for support stuff, outside of billing stuff I've not contacted my phone carriers ever. But yea, for people using tech they don't fully understand that can be a large factor. As can protection plans for the careless.... cough, cough.
  37. Vaclav

    Smartphones

    Inque you do realize that with the math you gave vs Straight Talk your VZW numbers are worse, right? And with a $650 phone pretty much worst case. N5 would be badass with an even bigger tromping. $650 down is equivalent to about $27/mo (off my head apologies if it's off a dollar or two) +...
  38. Vaclav

    Smartphones

    Yea that's what I figured - bro in law would have us to 6 without breaking a sweat if they did something comparable he's a miser but also a VZW devotee. (He lives in Gainesville, and is the one I verified quality in each of the 3 with - Sprint sucks bad in his hometown though unfortunately and...
  39. Vaclav

    Health Care Thread

    Clearly not something that fixes illiteracy whatever it is.
  40. Vaclav

    Smartphones

    Huh? Is VZW doing something framily-ish too?