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Jeebus, I had no clue.

I've seen it 4 times and it gets better and better with each rewatch.

>how is it ok for you to pay extra 575 ( interest is 2.5%, not 0 %) for your debt, 9100 for interest on your mortgage

They can get a better return, risk free, by tossing that money into one of many HYSAs and only paying minimums on those debts.

Edit: Typo

Bobby from Boston but you have to go to Lynn so maybe bring a weapon or two

I think it'd be too easy for nefarious actors to dupe an AI.

Only own 100 cubes so had to split it into 9 panels and then poorly stich them altogether into one photo

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I keep telling myself I'll learn to cook, but where to find time...

Maybe tomorrow - although probably unlikely

On Epstein's jet.

Or regard in means regard out

Same. I’ve worked probably two hours of my eight hour work day, just because I need to be here.

Well since you know you have a pregnancy/birth coming up next year, if you do choose the PPO you should certainly contribute something. You know you will have out of pocket medical expenses. May as well get an effective 22% (+whatever your state tax rate is) discount on them.

That said, the math here makes it so that in virtually all scenarios you come out ahead with the HDHP, so long as you do actually max out the HSA.

If you have $0 in healthcare expenses, the PPO will cost you an effective -$3401, while you will actually be +$1510 better off on the HDHP. As in, with the employer HSA contribution plus your tax savings from contributing, you will make money on the HDHP as a starting point.

In the maximal care scenario where you hit the (shockingly similar) out of pocket max for both plans, the PPO effective cost will be -$6,851, while the HDHP effective cost will be -$5,290. So in the worst case scenario you'd be $1,561 better off on the HDHP.

Things can get a little hazier in the middle though. In theory, if most of the care you need is in the form of visits that require a copay rather than cost sharing, it's possible that there's a zone of moderate healthcare usage where the PPO makes you better off. At least in terms of direct out of pocket expenses.

For example, say you have 10x visits to specialists. On the HDHP this might be $2,000 out of pocket towards your deductible (assuming $200 billed per visit), but on the PPO it might only be $350 out of pocket in copays (assuming a $35 copay per visit).

Though even then, while the that extra $1650 out of pocket for the same care might sting your checking account, your overall effective cost accounting for the employer HSA contributions plus your tax savings on the HDHP would be $1561 - $2000 = -$490, while the PPO would be -$3401 - $350 = -$3751.

So still much better off on net. The difference would be even starker if instead of office visits you had coinsurance-eligible care on the PPO, since the 20% rate is the same.

On the other hand contributing to an FSA with the PPO would moderate the differences somewhat.

I know that muslim scholars decided that muslims in space can track their day/night for fasting based on the time in Mecca.

With Daylight Savings, noon is now at 1:00pm, since we all decided to call what’s actually 11:00am 12.

Imagine reading these headlines in 2013

That's sweet!

He also had everyone who did laugh beheaded last time.

They all argon now.

I did not make that distinction. Talented people and untalented people can do good or bad work regardless of intent and i never asserted otherwise.

By that standard a fireworks show should be best picture at the Oscar’s

And unfortunately such a breakdown in global trade would likely reward (relatively speaking) those nations that are a) xenophobic and b) already well-off.

They have a separate area to enter if you have a bag that is bigger than the allowed dimensions. They just search the bag. But make sure you go to the bag entry so you don’t get stuck in the wrong line. I saw someone at the Pens game with a clear plastic diaper bag too.

How sad is your life that you can’t enjoy something because too many other people did?

I think this should be a thing everywhere, at all times.

Although this is a new case, several fungal deseas, such as black fungus, have been recorded previously.