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Started By
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re: WTF am I supposed to do? Health Insurance...
Posted on 4/21/14 at 1:24 am to stuntman
Posted on 4/21/14 at 1:24 am to stuntman
quote:
Costs are built in to the final price you pay for a product. The more costs imposed, the higher the price of that product. Also, because of those costs, competitors (which improve quality and decrease price) are DISCOURAGED from entering the market. So, those "big boys" can charge more than they otherwise could. GOVERNMENT is the root of these costs. Does that make sense? (no snark intended)
Yes...this makes a lot of sense.. I'll comment on it more tomorrow... but I don't think government is the root of these costs. I think people are... look at the history of lead based gasoline
1
Posted on 4/21/14 at 1:44 am to NATidefan
Goodluck my friend but you sound like a hot mess 
Stuntman, HubbaBubba, & many others did a fabulous job giving you valuable information while also encouraging you to think as you normally wouldn't.
I applaud them & can't wait to graduate
Stuntman, HubbaBubba, & many others did a fabulous job giving you valuable information while also encouraging you to think as you normally wouldn't.
I applaud them & can't wait to graduate
This post was edited on 4/21/14 at 1:58 am
Posted on 4/21/14 at 2:08 am to NATidefan
quote:
Because I don't make a lot of money I can't afford a health insurance plan...
How is this the fault of wealthy people?
Posted on 4/21/14 at 2:24 am to NATidefan
quote:
I make $8.50 an hour, my boss won't let me work more than 40 hours a week
Champ, you're forgetting this other budget. There are 168 hours in a week. Most people have to spend 10 hours a day sleeping and doing random stuff, so that leaves you 98 hours a day you can use productively. You're only working 40. So get a second job, or (better yet) learn something on your own that you can sell.
I personally know a guy who worked two jobs, one of them as a night security guard. On his night security job he studied for the nursing classes he took during the day. He is now making triple what he used to.
Point being, if you're only making $8.50 an hour you can't afford to sit on your arse 60 hours a week.
Posted on 4/21/14 at 5:31 am to foshizzle
quote:
There are 168 hours in a week. Most people have to spend 10 hours a day sleeping and doing random stuff, so that leaves you 98 hours a day you can use productively. You're only working 40. So get a second job, or (better yet) learn something on your own that you ca
Back in the 90's after I got out of culinary school I had a full time, part time and 3 temp agencies I worked for. Fortunately the full time job provided insurance. I still had time to go out drinking at the bars and pickin up the girls, i even managed to pick up a few with the temp agencies when I got to work baseball and concert venues.
It is a matter of will and choice, choose to make it happen.
Posted on 4/21/14 at 6:40 am to foshizzle
quote:
Champ, you're forgetting this other budget. There are 168 hours in a week. Most people have to spend 10 hours a day sleeping and doing random stuff, so that leaves you 98 hours a day you can use productively. You're only working 40. So get a second job, or (better yet) learn something on your own that you can sell.
I personally know a guy who worked two jobs, one of them as a night security guard. On his night security job he studied for the nursing classes he took during the day. He is now making triple what he used to.
Point being, if you're only making $8.50 an hour you can't afford to sit on your arse 60 hours a week.
Yes, but don't you see the stupidity in this? The job I have I could work 80 hours a week at if someone wasn't limiting me to 40... who's limiting me to 40, my boss.. why? She has to pay time and a half for me over 40. Why? Cause somebody deemed it wasn't fair to me to do otherwise..
She won't even let me pull a double cause she thinks it would be too hard on me.
This post was edited on 4/21/14 at 11:44 pm
Posted on 4/21/14 at 6:51 am to NATidefan
quote:Who?
Cause somebody deemed it wasn't fair to me to do otherwise..
Posted on 4/21/14 at 7:02 am to NC_Tigah
I can't believe this thread is going on. The OP is eligible for Obamacare with a subsidy. The Silver plan would cost less than $62.00 a month. If that is not "affordable" he can purchase the Bronze plan.
Posted on 4/21/14 at 8:38 am to NATidefan
quote:
NATidefan
Didn't you start a thread a few days ago that you worked for a dentist office? Exactly what "big business" is buying up dentist offices? Aren't most dentist office small private practices? Is there a dentistry conglomerate trying to incorporate dental hygiene?
You also stated in that thread that dental hygienists made $10/hour.
I'm sorry but
Posted on 4/21/14 at 8:42 am to DR Hops
quote:
DR Hops
He explained what services he supplied to dentists in this thread.
Posted on 4/21/14 at 8:45 am to La Place Mike
quote:
The OP is eligible for Obamacare with a subsidy.
How are you so sure? If your state didn't expand medicaid and you make less than somewhere around 11,500 you are not eligible for any subsidy.
Posted on 4/21/14 at 8:45 am to NATidefan
quote:
The job I have I could work 80 hours a week at if someone wasn't limiting me to 40... who's limiting me to 40, my boss.. why?
Well, before Obamacare, you could work 40+ hours/week and buy whatever insurance plan you wanted. With Obamacare, your employer either must provide you with Obamacare, or face a fine. Either way, the bottom line is being affected. Thus, employers will cut hours to keep the profit margin the same. This is private business, they don't operate to keep people employed, they operate to make money.
Also, you weren't getting insurance and benefits because your skill level is not worth it. $8.50 hour or minimum wage means you are paid the minimum allowable amount because you have no skills. Now the longer you work, you may gain experience warranting wages and benefits. But low wage jobs are not meant to be a career. They are meant to be a starting point to help you get, and encourage you, to make something better of yourself.
Posted on 4/21/14 at 8:46 am to ShubutaMS
quote:
He explained what services he supplied to dentists in this thread.
I didn't read all 9 pages, just the first and last. What page # was that?
Posted on 4/21/14 at 8:49 am to ShubutaMS
quote:
If your state didn't expand medicaid
In 3-5 years, all medicaid expenses are no longer to be reimbursed by the federal government, meaning the state's will have to pay for it on their own, with out federal help. Any state that accepted the subsidies are going to be hurting. So instead of our federal taxes having to be raised to subside the nation, once that is cut off, look for state's individual taxes to increase. All signs point to further economic disaster thanks to Obamacare.
Posted on 4/21/14 at 8:54 am to NATidefan
quote:
She won't even let me pull a double cause she thinks it would be to hard on me
The reason you work 40 hours/week is because working more decreases worker efficiency. So why would a business pay double time for a worker who loses working efficiency past 40 hours?
There are these things called cost benefit analysis, and efficiency factors that lead to employers doing what they do. Like you said, you are only making $8.50/hour. You probably don't understand it. I'm not trying to demean you. But your employer has a better grasp of how best to utilize it's employees while keeping the same profit margin, and leaving room for growth. She isn't not giving you double time because she doesn't like you (unless you are a known shitty employee). She's doing it because she has a boss to answer to, or she wants to grow her business.
Her growing her business could lead to her being able to pay you more, give you more benefits, and give others opportunity to earn for a living. Demanding more taxes from employees simply because you aren't getting your way leads to businesses having to make these choices, as to whether or not allow employees to work doubles or overtime.
Posted on 4/21/14 at 8:59 am to stuntman
quote:
This is a PERFECT example of what Harry Browne was talking about when he said "Government is good at one thing; It knows how to break your legs, hand you a crutch and say 'see, if it weren't for the government, you wouldn't be able to walk'".
Yep
Posted on 4/21/14 at 9:11 am to NATidefan
quote:Are you under a non-compete contract? Are you an employee or a sub-contractor? Are you supplying your own tools and transportation?
The job I have I could work 80 hours a week at if someone wasn't limiting me to 40... who's limiting me to 40, my boss.. why? She has to pay time and a half for me over 40. Why? Cause somebody deemed it wasn't fair to me to do otherwise..
The most important question here is WHY?
Why are you, a seemingly reasonably intelligent fellow (in spite of your Bama heritage) hanging around at one-third the pay, no OT and no growth future?
Why are you willingly a victim? Don't kid yourself. You are complicit in the current state of your affairs. If this position has a value of $8.50 an hour, it is because You did not stand up and say, "No!" when they offered you the job. Do you think that company is the only one doing this?
You sometimes have to say "NO". Part of the art of getting other people to say "YES" to YOUR ideas and views is standing up for yourself and saying "No. You did not have to take this job. You could have said no. If you were valuable as a reseller to them, you had value to them as a fully trained installer. Part of negotiating is knowing that being willing to walk away from a deal gives you the upper hand in the negotiation. Even if you aren't negotiating from a position of strength, as long as you can bluff that you are (ever play Poker?) then you can achieve your objectives.
I've walked on a job offer. I didn't like the terms. I didn't like the way the potential employer treated me. Sure, I thought it was a setback, but I had confidence in myself and my business relationships. Three weeks later, I was working for that company's major #1 competitor. Four weeks after that, I closed one deal that made my Sales quota for the next two years! I made sure the first company knew who it was that cost them a $17Million deal. After that, those guys at the first company I'd rejected were constantly hounding me with enticing offers to work for them.
The point is.... you seem to have confidence in your capabilities but no guts to be willing to say no to a rotten deal for yourself. That's on YOU. Nobody else. I'll refer back to my original piece of advice to you. I stand corrected. You don't need therapy. You need motivation. Seek out a local motivational speaking event. Read some books. Here's one: Getting To Yes.
Good luck. This is my last post in this thread. I wish you well and that you learn how to bank on yourself. It's the most valuable asset you own!
Posted on 4/21/14 at 11:21 am to DR Hops
quote:He said he worked as a contractor servicing and installing Dental Office electronics.
Didn't you start a thread a few days ago that you worked for a dentist office?
Posted on 4/21/14 at 11:26 am to NATidefan
You food stamp collecting welfare sucking government leech!!!
Posted on 4/21/14 at 11:31 am to ShubutaMS
quote:He makes more than that and he is eligible.
How are you so sure? If your state didn't expand medicaid and you make less than somewhere around 11,500 you are not eligible for any subsidy.
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