GeauxTigers777

The S&P is up 17%. How is every thing struggling?

To add some depth of some misunderstanding in this thread.

Controlled meds are required to be screened (by the government) in order to keep your DEA (ability to rx). This a federal regulation in which you can go to jail for not conforming. It is not the Drs making these rules. Same reason why you can't rx over 3 days of pain meds without a PMA/drug screen (techincally).

Regarding medical billing, people become fixated on the bill amount, but that is just a standard bill. Every practice is going to bill higher than their highest insurance maximum allowed. THis is, as stated above, because every insurance has a negotiated rate, and anything billed over this is written off as contracted with that insurance company. No one is going to bill less than the rate they are going to be able to recoup. Medical reimbusement continues to go down, and administrative and insurance profits continue to increase. You are complaining about the wrong thing.

If someone is willing to pay cash, most providers will give lowest rate allowed (most the time around medicaid rate).

I don't think anyone is happy with the way things have conitnued to transpire, but your frustration is mostly misguided. You would be the same person that would sue for someone not catching a detectable medical event with preventative screening while also complaining about the necessity of preventative screening. Preventative labs are a numbers game. You have to perform x to catch a certain percentage. The vast majority of those patinets are going to be fine and would have done fine without screening, but the screening is efficient enough to make it worthwile. I promise if your the screening percentage isn't high enough, your insurance wouldn't pay it. Insurance companies don't give a damn whehter you live or die. What they care about is what is the cheapest way to get you to your death/medicare age. If they can do a screening that will cost them $500 a year, but will potentinally prevent a $500,000 bill, they are willing to do that 99x to save that percentage over a 100 patients. If the screening will cost them $10,000 a patient, but the disease will only cost them $20,000, they would rather take the risk with the disease. THis has very little to do with your actual health.

Regarding not paying your medical bills, good luck. That luck will run out at some point, and you will find yourself in a difficult situation. I wish you good health.

Regarding estimates, they are estimates of the care and bills to be recieved. It is like if you went to have a car worked on and they said it is likely to cost x, but they get in there, and find out it is going to take more work. The bill is going to go up. There is also the issue of deductible that patients don't understand. You are responsible for your percentage of the deductible until it is hit.

I would love some reform, but also realize that overall, our system is very good for allowing quick direct access to care. It is far from perfect, but every system is. It becomes incredibly more difficult with a diverse patient population and extreme wealth gaps.

A little bit of a disingenious statement given we had COVID during that time. We will definitely have some dips and some gains, but to expect dips up to 35% is probably unlikely. TO have any S&P gains over norm is also unlikely too. The reality is no one can answer this question (people paid a lot of money to do it can't answer this), so if you are risk averse in the next 4 years, don't invest in the market. If this is a long term play, the S&P will average (historically) 10% over it's lifetime.

Sorry Orange Beach. Shouldn't have abbreviated it

You also have auto increase, so it very well can continue to go up. I honestly have just moved to buy it now or best offer and don’t even place bids anymore. Also, golf wrx has a great classifieds that is normally cheaper than eBay. You lose some protection, but I’ve bought probably 8 clubs off of there without issue.

Mainly realtor fees (traditionally 6% of closing cost paid by the seller)

Shaft can have a huge impact on spin. On the same sim with same driver shaft and same ball, my same hits can vary by 1500 spin depending on shaft (even with the same flex). If you are under flexed, that can add a load of spin. With a reg shaft, my spin numbers would hit 4500. With a Venus black 8x tipped, they were 1500. Obviously neither of those are good.

As long as checking out, ended up going with a couple year newer with garmin screens and an upgrade trolling motor with spot lock and newer engine for 25. Not the biggest boat or engine, but I'm hoping it will fit my needs well.

Will be for fishing a small lake (couple hundred acres). It comes with a 115HP. 2016 model. Any concerns fo things to look for? I don't need a speed demon and 45-50 MPH is more than enough. What would you consider fair market value in today's market? Thanks

Sedona. Is a nice trip, but not sure about June