lol.

I get up ~7:45. This morning 8:30 because I'm working from home. This is a leak

OT: I mean, lol europe and single-payer and all that, but it's starting to sound appealing. My ER visit a month ago results in 2 separate bills, one from the physician's association, which I already paid, and then today I get another from the hospital. And they just throw random numbers on the page for billing, and insurance just throws random numbers back at them, and I pay the difference. This is madness. They gave me some pepcid, some prednisone, and let me crash on a bed for an hour. $750. jesus christ.

building wealth when you are young, have fairly little money, and are a massive dog to need such insurance?

I guess plenty of you can pull off the no breakfast even with an early morning start. On days I skip my shakes, I feel like going on a YTF-style binge by noon (with higher quality food, of course). Maybe I'll try some JFon meditation.

Gotta stay #skinnybro4life for now. Not biomechanically correct to paddle the other end of the boat.

Really want to bulk but it would mess up my prospects too bad. I'd go from the potential to be a top tier stern paddler in north America to having a very dim future in the bow.

I work from home to start and end my days. Days I skip breakfast typically are ones that the Mrs didn't have time to whip something up before I head out, or she didn't have time (stuff with the offspring takes precedence).

I think your perspective changes on this changes as you get older. In my 20s I would more easily sacrifice health for money, but once I got to my 30s and stopped worrying about money as much, I realized living longer and healthier is so much more important.

We're really getting into a semantic issue here more than anything. I think that no matter how old you are your health is more important than wealth accumulation. After all, you can't really enjoy your money if you're dead or infirm. Most would agree with this.

The problem is that most don't see health insurance as fundamental to preserving health. You're right that there is some individual variation here, but I think that for most people a basic policy (like what crash is talking about) it is fundamental and far more important than the loss in wealth accumulation it requires.

You're a "massive dog" to need any type insurance. That's the whole point of insurance. The point is preventing against catastrophe. A vehicle that helps prevent against both catastrophic health and wealth consequences is generally a good idea for most people.

Also remember that all of the above doesn't apply to poors (which I did exclude in my earlier post). So if that's what you mean by "fairly little money", then I guess we agree. Of course, we probably won't agree on what poor really is either. There is a thread in politics that attempts to explore that issue. All it shows is that the discussion ends up being AIDS.

Massachusetts mandatory health insurance #1

Health insurance != health.

I'm just saying "what could be more important than health?" is a pretty crappy appeal to paying for health insurance. You could make the exact same argument if health insurance cost upwards of 90% of your money. Obv there's a price a point where people will find plenty of things more important than their health insurance.

I work out mornings. Awake at 7 or so. Bfast. Decaf. Mobility routine. Usually at the gym around 9:30.

Nice, that's nice, blame it on the wife.

Part of the reason my work stopped offering my former GOAT insurance plan. Premiums off the chain here in the people's republic.

It works for some and it doesn't work for others. I like morning workouts (start around 0430), although I am now used to not getting up that early. I primarily did this until this school year. As far as I know it has not caused me to squat loco-sized weights.

Agree. But health insurance can certainly be quite important to health. It's not like these are two completely unrelated things.


Except I'm not actually making that argument. Most non-poors are not faced with this type of scenario (i.e. "90% of your money"). My appeal was based on the real world type choices that people actually have to make. Like what Crash described.

Agreed. The problem, imo, with most people is that they have set that price point way too low.

I'd pay someone just to give me a list of everything health-wise that I could get for free, everything I could get for under $20, $20-$50, $50-$100, etc.

My last physical (hadn't had one in 9 years before that) ran $170 after they told me it would be covered. **** THAT ****.

General question iyo:

What are the top five red flags for the general public signing up with a personal trainer? Like if they do or say "X" you should question their intelligence and probably fire them/not hire them in the first place.

Melk, maybe they aren't setting it low. Who knows? Because no one knows how much anything costs. I certainly know my visit to the ER didn't cost the hospital and physician anywhere near the 1k in services they charged. The calculus crash is going through is 100% rational. He's possibly willing to pay for his health, just not via a bloated and costly insurance policy. I'd argue most standard care would be very affordable if it weren't all covered by insurance.

Yeah sorry for bringing this up I'm just dealing with ******-o bills that make very little sense and are completely arbitrary. But what's more important than my health?

Banning myself. K bai

I have no experience with personal trainers, but I'd imagine things like "keeping the muscles guessing," anything related to soreness, toning, and similar type noobie workout myths would be pretty common + bad red flags.

my same exact experience. I knew that every year I got free physicals with my insurance plan so I finally got one about 2 years ago. I was 29. Hadn't had a physical since 21 or so. They did bloodwork and everything and it came back great. Then I got a bill for like 3 things and had to fight them over 1 of them (they charged me for a MEASELS Vaccination or something since they "accidentally" used the wrong code in billing) and had to suck up the other 2. I paid around 170 as well. Now I'm just bitter and angry and should probably get regular physicals but won't.

1) Squats are bad for your knees.
2) What is a deadlift?
3) Exercise can overcome nutrition choices.
4) You must eat this list of healthy foods to lose weight. Everything else is unhealthy foods.
5) Does not know what liftoff or spotting actually is. (hint: they think it necessarily involves assistance)

I was thinking also anything about starvation mode and stoking the metabolic fires.

Sounds like someone will regret not getting a finger up his butt at least once a year

1) I would include if they teach high squats as good or acceptable form. I don't mean they should insist on ATG, but cmon.
5) Rage.

Yea for sure. Wasn't sure if we were including nutrition, but I guess they give advice there too.

I just threw out the first 5 that came to mind. But yeah, I mean, can't teach squat to parallel is really what #1 should be.

I think BTM and DFs experiences are bad because they were told stuff was covered and then it wasn't.

Out of curiosity, if they had told you a price in advance and you had absolute certainty they would stick to it (unless they found a problem that needed further work-up -- in which case they would discuss cost with you before proceeding further), how much would you pay?

Lolphysicals. What did they do, cup your balls and shine a light in your eye? I guess I'd pay $15?

Pay for what? A physical? I don't even know what that exactly includes, doesn't it depend on bloodwork and how the hospital bills? E.g. if you ask a question that isn't general enough they apply a different code to it since it's a different consultation or something?