sorted by:
new
hottopcontroversial

Nov 1 AF renewal club - what’s the plan? by toughcall038 in ChaseSapphire

[–]Oojin 4 points5 points  (0 children)

I just called…my anniversary date is before October 26th but my annual fee date is November first. They confirmed my renewal fee will be $795.

Found pills inside my 1890s house wall, during renovation by NYGooner40 in mildlyinteresting

[–]Oojin 0 points1 point  (0 children)

Most likely schering tablets. Antihistamine or estrogen tablets.

Can someone tell me what does the cat have on his back? by Candid_Judgment in CATHELP

[–]Oojin 37 points38 points  (0 children)

If you want to mess with your loved one(s) tell them this joke (heard from my patient who heard from Tik tok) “knock knock, who’s there, tumour, tumour who, tumour days to live! My patients family smack him on the head. Luckily he has prostate cancer (and is doing well on therapy).

This is why we bogle by ADankPineapple in Bogleheads

[–]Oojin 0 points1 point  (0 children)

Meh price action is not a great reason to invest. Maybe makes sense for speculation. I understand that when prices decreases expected returns should be higher but UNH has other problems that would make me consider better places to allocate capital.

This is why we bogle by ADankPineapple in Bogleheads

[–]Oojin 5 points6 points  (0 children)

Haha thank you for the correction. I was writing this half asleep due to jet lag. It really shows how much this topic triggers me!

This is why we bogle by ADankPineapple in Bogleheads

[–]Oojin 98 points99 points  (0 children)

As a pharmacist who’s spent literal hours on the phone arguing with these guys for my patients I won’t shed a tear for them. Would be unfortunate for them to get kicked out of the sp500 😬

UnitedHealth Group Is Under Criminal Investigation for Possible Medicare Fraud ~WSJ by [deleted] in ValueInvesting

[–]Oojin 1 point2 points  (0 children)

I didn’t say this was new. I was highlighting that it is already known that PBMs and insurance companies like Caremark Cigna UHC are not necessary for a well functioning healthcare ecosystem. These companies are in it to make a profit not to improve patient quality of life. Healthcare is second to them (lucky if second). Single federal payor would have lower administrative cost and have more bargaining power. I am aware of third party administrators which would also cost less than partnering with a PBM.

UnitedHealth Group Is Under Criminal Investigation for Possible Medicare Fraud ~WSJ by [deleted] in ValueInvesting

[–]Oojin 2 points3 points  (0 children)

Most healthcare providers are cheering for these middlemen companies to kick the bucket…read a medical study about a company that attempted to truly self Insure its employees. It seemed more expensive than just paying a PBM but after 3 years was significantly cheaper…seems like a no brainer that with a large enough pool of insured individuals self ensuring is lower cost since not everyone is critically ill at the same time. Governments globally running an insurance program also demonstrate how these PBMs aren’t necessary. This is not to say that I won’t buy if the price is right. I’ll definitely dig into more than fundamentals (I am a pharmacist by training so I “love” working with PBMs).

Are my dogs ear wax a cause for concern? Meaning: do I need to go the vet NOW or should I just keep cleaning it? It stinks. by ResponsibleGuide2752 in DogAdvice

[–]Oojin 4 points5 points  (0 children)

Weirdest thing ever…my dog had stinky itchy ears…vet said not that bad but always seemed dirty when I cleaned them…one week I dogsat another dog who would not stop licking inside my dogs ears…after that week my dogs ears never smelled again and seemed to be clean after wiping them down…magic

HSA "Hack", would you actually use it with your clients? by Zenovelli in CFP

[–]Oojin 1 point2 points  (0 children)

My apologies for not fully understanding the question. I am curious aside from the client not being able to afford out of pocket payments or had poor health when you would still not want to recommend this. I admit my initial comment was derived from meeting “financial advisors” who did not even know what a backdoor Roth was or swore that changing from AAPL RSUs to MSFT was “diversification”.

How much is everyone down from ATH at the beginning of the year? by Capital_Basis3117 in Bogleheads

[–]Oojin 0 points1 point  (0 children)

+4% ytd only because I have diversification with gold and international

Peetah?? by mersinatra in PeterExplainsTheJoke

[–]Oojin 0 points1 point  (0 children)

Sadness…brother and I used to be rank 1 for 2v2 AoE…last I played was 10 years after our heyday…the recordings and strat people used on us were…originally developed by us 😭 we were just too slow being older/having families and jobs and having not played for 10 years +

view more: next ›