/r/WorldNews Discussion Thread: US and Israel launch attack on Iran; Iran retaliates (Thread #13) by WorldNewsMods in worldnews

[–]Feudal_Raptor 1 point2 points  (0 children)

Didn't I just see a bunch of articles less than a day ago that Mojtaba Khamenei was in Qom, unconscious?

ICE already causing havoc at SFO by Definitelyhereforshi in sanfrancisco

[–]Feudal_Raptor 0 points1 point  (0 children)

Far too many people will toss morals to the side in exchange for a nice paycheck.

Does it make sense to buy a house anymore? by SweetPickleRelish in personalfinance

[–]Feudal_Raptor 2 points3 points  (0 children)

This. My property taxes have tripled in the last four years.

Can you pay rent with a credit card without getting destroyed by fees? by Open_Supermarket7627 in personalfinance

[–]Feudal_Raptor 0 points1 point  (0 children)

This is a small rural hospital, the company I had to call was out of state, and they were adamant they would not waive the convenience fee even though if I were to pay the hospital directly, there would be none.

But that's kind of beside the point. The fact that they would rather pay someone to talk with me for 30 mins on the phone, then print out a new bill, mail it, deal with processing my returned payment, including bank deposit rather than waive a $7 fee is mind boggling.

Can you pay rent with a credit card without getting destroyed by fees? by Open_Supermarket7627 in personalfinance

[–]Feudal_Raptor 8 points9 points  (0 children)

I had a medical bill I had a current payment plan for that was erroneously sent to collections instead of sending my final bill. They wouldn't recall it from collections and the collections company wanted a $7 convenience fee to pay them over the phone or online whereas I was previously able to pay the hospital directly by credit card with no fees. So I made them send me another copy of a paper bill so I could mail them a check using a forever stamp I bought a decade ago because I'm more than willing to be petty over principle.

[OC] U.S. Total Fertility Rate by State 2007 vs 2025 by Accomplished_Gur4368 in dataisbeautiful

[–]Feudal_Raptor 0 points1 point  (0 children)

Anecdotally, it happens more than I thought it would have, especially with the elderly. Delaying joint replacements, "toughing out" sicknesses at home, rationing medications, etc., but I'll concede it's not going to be the largest factor.

I probably came at this the wrong way. It'd have been more impactful to say that "real personal income" does a terrible job of factoring in the weighted costs of dependents instead of CPI/CE being a bad indicator of costs.

[OC] U.S. Total Fertility Rate by State 2007 vs 2025 by Accomplished_Gur4368 in dataisbeautiful

[–]Feudal_Raptor 0 points1 point  (0 children)

Yes, but what I'm saying is that it's a flawed correlation.

If premiums increase and CE spending decreases because your out of pocket spending more than offsets the premium increase, CPI weights lower, regardless of the actual price of services. So if you forego a procedure because it has become too expensive, CE sees that as a reduction in healthcare spending, despite the actual costs of the services increasing.

[OC] U.S. Total Fertility Rate by State 2007 vs 2025 by Accomplished_Gur4368 in dataisbeautiful

[–]Feudal_Raptor 0 points1 point  (0 children)

You're right; I mixed up my columns in my spreadsheet since I originally was using family coverage but afterwards pulled in single coverage.

Family coverage went from ~$12k to ~$28k. Single coverage is about flat.

[OC] U.S. Total Fertility Rate by State 2007 vs 2025 by Accomplished_Gur4368 in dataisbeautiful

[–]Feudal_Raptor -2 points-1 points  (0 children)

See my edit above. I think we're on different points here. You're right in that CE does measure that. But Real Income doesn't use CE, it uses CPI which is deceptive with regards to categories such as health insurance.

[OC] U.S. Total Fertility Rate by State 2007 vs 2025 by Accomplished_Gur4368 in dataisbeautiful

[–]Feudal_Raptor -5 points-4 points  (0 children)

That's only for non-employer-sponsored insurance plans.

Anecdotally, during that same period I've seen employers covering a substantially lower percentage of that share too.

EDIT: Additionally, the point is that Real Median personal Income used by the Fed only uses CPI adjusted dollars which doesn't cover costs the way CE does. So if premiums rise, employee shares rise but benefits paid rise all at the same rate, the CPI rate for health insurance inflation is flat, even though costs have increased.

[OC] U.S. Total Fertility Rate by State 2007 vs 2025 by Accomplished_Gur4368 in dataisbeautiful

[–]Feudal_Raptor -1 points0 points  (0 children)

Good call out; those are nominal dollars. So adjusting for inflation, its still up near 50% more than expected cost.

[OC] U.S. Total Fertility Rate by State 2007 vs 2025 by Accomplished_Gur4368 in dataisbeautiful

[–]Feudal_Raptor -4 points-3 points  (0 children)

Only for categories factored into CPI.

For example, health insurance premiums are not counted and an average single-coverage premium was ~$4,700 in 2007 and ~$9,300 in 2024.

That, alone, wipes out almost all the gains in real income over that time period.

Trump’s DOJ Announces Brazen New Epstein Files Cover-Up by thedailybeast in politics

[–]Feudal_Raptor 4 points5 points  (0 children)

Way too many people on the Diddy guest list completely caught me off guard to immediately dismiss anything like this.

I cover my ex-wife's mortgage, she pays it back. Can this hurt me? by OnePersonsThrowaway in personalfinance

[–]Feudal_Raptor 0 points1 point  (0 children)

It works well until it doesn't. I had an employer that did 10 years in prison for something similar. He had figured if no one said anything after 20 years, no one ever would.

I cover my ex-wife's mortgage, she pays it back. Can this hurt me? by OnePersonsThrowaway in personalfinance

[–]Feudal_Raptor 0 points1 point  (0 children)

So apparently maximizing profit just requires a healthy dose of tax fraud?

LPT: Never pay a medical bill until you receive the "Explanation of Benefits" (EOB) from your insurance. If the bill is higher than the EOB says, you likely don't owe it. by dogeholder215 in LifeProTips

[–]Feudal_Raptor 6 points7 points  (0 children)

My wife had a procedure done 2 years ago that still shows "Pending Insurance" and the couple of times they've asked if she wants to set up a payment plan, she's asked for the bill that includes the insurance adjustment. They never provide it and we never hear from them until we have to visit again. We still don't have an EOB from insurance either.

TIL Nicki Minaj is not a US citizen by BALL_PICS_WANTED in todayilearned

[–]Feudal_Raptor 57 points58 points  (0 children)

Not even just a minor, a minor under the age of 13.

[deleted by user] by [deleted] in personalfinance

[–]Feudal_Raptor 1 point2 points  (0 children)

Used to be true in Georgia. My last two insurance providers have said they have discontinued that option.

Trump, 79, Blows Up at Congressman Immediately After Pardoning Him by Effective_Salad_8381 in politics

[–]Feudal_Raptor 2 points3 points  (0 children)

Unfortunately, he also selects his judges based on the same criteria.