OT - NO POLITICS Autumn edition- foliage, cider doughnuts & pumpkin everything.

[Morris Wanchuk]

We have a $5k deductible, $6k out of pocket with HSA. Plan pays 80% after deductible until max OOP is met. We only charge $90 per month for single, $200 for employee plus one, $230 for family.

We do a dollar for dollar match on the HSA. Designed so that if they contribute the max we will match per pay period, by the end of the year they will be right at the annual IRS contribution limit.

I hate the high deductible but the HSA with the match is hard to beat.

So for a family they would pay $2700 but get $4200 added to their HSA if they max it out, basically covering their deductible?

Not a bad deal, though I am sure it is hard to explain.

 

[BMC]

I'm paying over a $1000 month, max OOP $9100. Co-pay is $ 70 for specialists, $45 for my PCP. I contacted the agents' association to shop around for me as my plan is going up again. I'll also look at Obamacare again but not holding out much hope I'll qualify, on paper I have too many assets. I need to hang on another 3 years until I can sign up for Medicare, I'll be 62 in January. I'm not signing up for early Social Security, I want/need to max out my monthly payout.

 

[Bruinaura]

So for a family they would pay $2700 but get $4200 added to their HSA if they max it out, basically covering their deductible?

Not a bad deal, though I am sure it is hard to explain.

Yes, we have a lot of people who do max it out, but there are those who only put in $25 a pay period because they want more take home pay. Mostly younger people who are looking short term and would rather have more take home pay now, no matter how you explain the benefits. Could I use a little more take home pay, sure, but I'm not throwing away free money. Max for me please!

 

[Morris Wanchuk]

Yes, we have a lot of people who do max it out, but there are those who only put in $25 a pay period because they want more take home pay. Mostly younger people who are looking short term and would rather have more take home pay now, no matter how you explain the benefits. Could I use a little more take home pay, sure, but I'm not throwing away free money. Max for me please!

I actually pay all of my expenses out of pocket, keep the receipts, and just let the HSA stay invested. The article below convinced me.

HSA - The Ultimate Retirement Account

A Health Savings Account (HSA) is the ultimate retirement account because it can provide completely tax-free savings for early retirement!

www.madfientist.com

I'm paying over a $1000 month, max OOP $9100. Co-pay is $ 70 for specialists, $45 for my PCP. I contacted the agents' association to shop around for me as my plan is going up again. I'll also look at Obamacare again but not holding out much hope I'll qualify, on paper I have too many assets. I need to hang on another 3 years until I can sign up for Medicare, I'll be 62 in January. I'm not signing up for early Social Security, I want/need to max out my monthly payout.

Obamacare doesnt look at assets, only MAGI BUT rental property will inflate that, depending on depreciation. Hopefully you can qualify for some subsidies. Throw some money into a Traditional IRA, it will drop your MAGI.

 

[Terrier]

Thermal inversion still in place, keeping brush-fire smoke trapped

Yesterday, a thermal inversion meant smoke from fires in Salem and nearby communities stayed close to the ground and came down into the Boston area. The thermal inversion is still there this morning as Nicholas Agri shows in photos from the Cottage Park Yacht Club in Winthrop. He reports the...

www.universalhub.com

 

[caz16]

RIP Terri Garr.

https://x.com/i/web/status/1851312321118765309

 

[GordonHowe]

A favorite.

Rest well, Teri,

Teri Garr, Comic Actress in Offbeat Roles, Is Dead at 79

An Oscar nominee for her role in “Tootsie,” she was also a favorite guest of David Letterman and Johnny Carson and a three-time host of “Saturday Night Live.”

www.nytimes.com

Teri Garr Found the Soul in Memorable Ditsy Blondes

In “Tootsie,” “After Hours” and other films, she played truly unhinged characters while also layering in sadness or drama.

www.nytimes.com

 

[Terrier]

RIP Teri Garr, remember her well from "Young Frankenstein", "Close Encounters", "Mr. Mom", etc.

Teri Garr, ‘Young Frankenstein’ and ‘Tootsie’ actress, dead at 79

Teri Garr died after a long battle with multiple sclerosis.

nypost.com

 

[BMC]

RIP Terri Garr.

https://x.com/i/web/status/1851312321118765309

The younger folk will remember her as Phoebe's mom on "Friends".

A very talented lady, I loved her in "Young Frankenstein".

 

[Terrier]

Boston 'cop killer' poses for Vanity Fair shoot, claims she was framed

Following a hung jury verdict, Boston 'cop killer' Karen Read fearlessly awaits a new trial, as she explains in a boundaryless interview 'there's nothing I'm afraid of.'

www.dailymail.co.uk

 

[GordonHowe]

'I'm excited': Riders share thoughts on new Green Line train model at City Hall Plaza

Riders are sharing their feedback on a full-scale mockup of a new Green Line train model being showcased on City Hall Plaza this week.

www.boston.com

Costumed Bruins players make annual Halloween trip to Boston hospitals

The Bruins made their annual Halloween hospital visit on Monday dressed as the charming and colorful creatures from Pixar’s “Monsters Inc.”

www.boston.com

 

[Troublesome 85]

I used to get hella stoned and watch Close Encounters

Shit aliens man

RIP

 

[DarrenBanks56]

RIP Terri Garr.

https://x.com/i/web/status/1851312321118765309

Ill always remember her from that movie Firstborn

 

[eightspokedb]

The younger folk will remember her as Phoebe's mom on "Friends".

A very talented lady, I loved her in "Young Frankenstein".

The really older folks, ie me, remember her as one of the dancers on 'Where The Action Is'....