tigerfan4120

I'm sorry but how stupid are you, HailMichigan? I'm not sure if there is anyone dumber on TD and that is saying alot.

Let me describe UHC's business plan in terms that even an imbecile like you can comprehend:

1. Undercut other insurer's premiums --> consumer or small business thinks they are getting a better deal and switch to UHC to "save money" - this is the #1 way to make money - more premiums = easy cash flow.

2. Set up road blocks that disable consumer from acquiring health care required whether it be surgeries or medications by creating a convoluted system of prior authorizations, denials, etc.

3. If an insured manages to get through step #2, reimburse "provider" (this used to be called "doctor," but an insurance company might try to frame a nurse as equivalent because they don't have to pay them as much) less than competitors vis a vis shitty contracts

4.. Always pay as late and as little as possible. If the service is rendered on day 0, pay as close to day 90 as possible.

5.. Profit

A healthcare exec that can abide as closely to rules 1-5 will be most successful.

Another note, doctors have absolutely no control over what they charge for services - everything is set by the government's medicare fee schedule. There is no circumstance except for cash pay services (cosmetic, lifesyle, derm etc) that a doctor can decide to charge you an arbitary amount, the prices are set by uncle sam. Retard.

I did not watch at all but surprised he finally pulled off a tour level win. Maybe he is turning the corner on some of the mental and physical issues

“Six associate deans for diversity, equity, and inclusion”

Yikes

Bill Ackman is an a-hole for profiteering off Covid fear-mongering by using media to manipulate and distort facts, so pardon me if it’s hard to GAF about Bill Ackman bemoaning the media’s manipulation and distortion of facts.

Besides that, it’s a solid take.

quote:

---

Funny you should mention 2008.

My step mother was absolutely allergic to debt of any kind. Which, frankly, served her and my father very well for most of their lives.

Then, in 2007, they moved to a community that was beautiful in Florida and paid a shade over 500K cash for a home. By the end of 2008, that exact model was selling on their street for $250K. The developer went bankrupt and the golf course fell into disrepair. The upgraded club house never materialized and in the end, they sold that home for just under $240K

A greater than 260K bath in their mid-60s.

I wanted to be mad at her but at the same time, I knew my dad was shite with money and the only reason they even had the 500K ish cash in the 1st place was her.

But still. It was stupid as frick

---

Not sure I understand your point here - if they had financed the home with a traditional mortgage, they'd still be 260k underwater on the home.

Also, philosophically I follow your point about not paying up front even if you could afford it when you could finance for 0%, but I goddam guarantee you that if you were a buyer, and negotiated a sales price to purchase the vehicle at 80k for 0% financing over 4-5 years, you could then go back to the dealer and say "actually, I can pay all cash upfront, but I'd like to negotiate a lower purchasing price," the dealer would listen. They have the same basic understanding of the time value of money as you do.

There's no free lunch; the folks financing at 0% are paying a higher price for the car, if the cash buyer negotiates properly.

I'll bump for you because I have the same question.

couv, does your outfit do flat TPO roofing and clay tile?

One of these national companies, CMR Roofing & Construction, was canvassing my new orleans neighborhood after the storm. They offered to do a free inspection, so I took the guy up on it even though I was under the impression at that time my roof had weathered it just fine, as there was no frank water intrusion throughout the storm....

He did a relatively brief inspection but noted some soft spots on the TPO and some evidence of water intrusion into the attic. Quickly came to conclusion that I would qualify for a new roof, wanted their company to handle the claim, sign their contract etc etc. Not that the guy was dishonest, but it all came at me pretty quickly so wanted to take a step back and get another opinion.

I reached out to a local company that came highly recommended to come do an inspection, and they have not followed up with me and must be slammed. Now I'm thinking about circling back to the first guy, but still a little apprehensive about signing a contract with this non-local company and having them handle the claim.

Didi's handle and shot do not look NBA ready, and it doesn't seem like his defensive tenacity is enough to overcome that. Herb Jones seemingly fits into what was carved out to be Didi's role, but with better length and better basketball IQ. If Didi can't shoot, Herb Jones has his job.

Murphy looks like a gem.

Kira is enigmatic, you'll see some flashes here and there you can't say there is any consistent elite-level trait. I don't know where he fits in but I can't see him contributing much this year.

that Hahhh-vud is letting anyone with an MCAT between 24-26 even sniff admissions is pretty embarrassing, black or white. I think I would've been at the bottom of the stack for LSU with that....

If I were Texas I’d be having some second thoughts about this offer.