|
And The Dalek has still not returned to us.
Is the shame of your defeat that cruel, Dave? That you will not even return to your friends?
Trust me, we won't take the Micky.
Well, not that much anyway...
Probably... 
Bad command or file name. Bad, bad command! Sit! Stay! Staaaay...
|
|
|
|
|
I've missed a bit, what happened? CCC went wrong and the police got called in?
|
|
|
|
|
He abandoned us to stand for local council elections in a safe seat - and lost in dramatic style when his party nationally went on to make massive gains.
It's possible that he has been quietly disposed of by his local Conservative Party as a punishment for his failure - they don't take kindly to failures like that... 
Bad command or file name. Bad, bad command! Sit! Stay! Staaaay...
|
|
|
|
|
TBH, his seat was 'winnable' rather than 'safe'. IIRC, this was his second time, first up was to make up the numbers on the ballot paper, as he did okay he got bumped up the list to a winnable seat [that he STILL failed to get]. Now he waits for a local in a safe seat to stand down / defect to UKIP / get caught in bed with Ricky Gervais and he gets the nod to stand next time.
As I say, this is from memory, as I daren't interrupt his current rant against stupid people to ask; maybe he'll be done sometime in late 2023.
veni bibi saltavi
|
|
|
|
|
So he's still facebooking about Pikies then? 
Bad command or file name. Bad, bad command! Sit! Stay! Staaaay...
|
|
|
|
|
If you must know, the latest diatribes are, in no particular order:
- stupid interweb code [his]
- stupid phone users [not him]
- stupid children [his]
- stupid dogs [his]
- stupid diets [his]
veni bibi saltavi
|
|
|
|
|
So...he's just using FarceBook for the stuff he used to post here?
Bad command or file name. Bad, bad command! Sit! Stay! Staaaay...
|
|
|
|
|
Surely his party manifesto was:
Exterminate
Exterminate
EXTERMINATE
?
|
|
|
|
|
You've read his FarceBook posts then?
Bad command or file name. Bad, bad command! Sit! Stay! Staaaay...
|
|
|
|
|
I was at a meeting and heard,
"Hi, my name is Dave, and I'm an addict."
I can't give last names, house rules.
|
|
|
|
|
I've heard of meetings like that.
You go to them to get your car repaired, yes?
Bad command or file name. Bad, bad command! Sit! Stay! Staaaay...
|
|
|
|
|
31 C today.[^]
Time to get another inflatable pool... (they don't last long, do they) 
|
|
|
|
|
It's bloody cold and wet in The Midlands this morning.
Some men are born mediocre, some men achieve mediocrity, and some men have mediocrity thrust upon them.
|
|
|
|
|
Don't start thinking you're getting singled out, it's rather fresh* her as well.
* description via a stupid dad at the school gate who wears bloody shorts every bloody day of the bloody year. Bloody eejit!
veni bibi saltavi
|
|
|
|
|
Hah ! 37C "feels like 41C" early pre-monsoon season here ("mango rains" season it's called, although, so far this year, the rains have put in a rather poor performance).
swelteringly, Bill
«I want to stay as close to the edge as I can without going over. Out on the edge you see all kinds of things you can't see from the center» Kurt Vonnegut, Jr.
|
|
|
|
|
I live in a beach community.
As far as I (and any reasonable season) am concerned, it's summer when (approximately hourly) a trade-load of roughly 2000 females (of breeding age) arrive with the intent of removing as much of what little they're wearing as possible.
". . .I see the girls walk by dressed in their summer clothes
I have to turn my head until my darkness goes . . ." - Rolling Stones (Paint it Black)
"What is it that my soul doth demand I seek?
I'll turn toward right back and take another peek." - Balboos, HaGadol
| "The difference between genius and stupidity is that genius has its limits." - Albert Einstein | | "As far as we know, our computer has never had an undetected error." - Weisert | | "If you are searching for perfection in others, then you seek disappointment. If you are seek perfection in yourself, then you will find failure." - Balboos HaGadol Mar 2010 |
|
|
|
|
|
It's bloody p*****g down here in London!
|
|
|
|
|
Thought for sure I posted this question five minutes ago; but I guess not.
Anyway, what is the best way to choose an insurance carrier ?
How does one compare competing companies ?
What are the questions to ask ?
The context of these questions is a newly forming startup company. The goal is a good simple basic plan that provides...
- Peace of mind for disastrous medical emergencies
- Care for severe illnesses if they develop
- Simple procedures for regular maintenance visits
As for Dental / Drug / Vision, I am also clueless, and would like to learn the questions to ask.
When the insurance carriers sell their coverages to small companies, what are they NOT telling them ?
|
|
|
|
|
My previous job was with a medical insurance company.
I would say that on the whole they are not trying to con you. Be sure to ask all the questions first before signing.
The one area that can catch some people out is pre-existing conditions, so conditions like diabetes, asthma etc would need to be declared to the company just to be sure that a claim is not invalidated when a claim needs to be made.
Most companies will not cover dentistry and many will not cover elective MRI etc scans(quite simply because elective MRI etc scans are not statistically justifiable from a clinical point of view).
My experience of working for the company was that they are concerned with the health of their clients. With the huge over prescribing of polypharmacy in the US they can sometimes have better experience with regards to what medical interventions are successful than your average doctor may have(they have access to a huge volume of statistical data).
If there is any advice I would suggest it is be sure to pick a company where you can have access to free clinical advice - the company I worked for employed clinicians(nurses and doctors) who were able to help clients determine whether or not they needed a medical intervention.
These clinical services may also have weight loss or 'stop smoking' programs associated with them which can be of benefit to employees.
C-P-User-3 wrote: When the insurance carriers sell their coverages to small companies, what are they NOT telling them ?
By law they have to tell you everything and you have to answer their questions honestly, ask about the 'small print' as there shouldn't be any.
They will occasionally refuse a payment when your physician is proverbially 'taking the piss' by over-prescribing - and some physicians do this.
The medical insurance industry is highly competitive and it is not in their best interest to rip you off, they want to keep you healthy so that you can continue to pay your modest premiums.
“That which can be asserted without evidence, can be dismissed without evidence.”
― Christopher Hitchens
|
|
|
|
|
As an addendum to this, I would reinforce the fact that you shouldn't hide pre-existing conditions in an attempt to save a buck. As Guy says, this could invalidate your claims plus it's not usually an issue anyway as myself as a type 1 diabetic and a colleague who only really realized he had asthma late in life discovered; it doesn't seem to affect your excess/costs in any way as we found our quotes were still coming out at the same sort of level as before (albeit going down a bit as this would be a yearly renewal).
That being said, when attempting to sort insurance for someone with a grade 3 heart murmur, the underwriter had to put in a proviso that the insurance wouldn't cover anything as a result of said condition unless this was to go away in which case they'd need letters from two sources confirming this (seems unlikely to me but ok).
I am writing for a UK point of view and what I'm talking about is a bit of a sidestep in terms of circumstances.
|
|
|
|
|
I can't answer all of your questions but one of the most important base questions is, are you a sickly person? If you are going to need lots of pharmaceuticals and doctor's visits, then you will need to pick the most bang for your buck.
If you only see the doctor 2 or 3 times a year, then go for a high deductible, with low out of pocket expense. No sense in paying a lot of money on premiums for nothing.
|
|
|
|
|
Hey gang, let me clarify.
I will be the first employee.
This will be a new company.
What we choose will affect me first, but others as well.
Self-Interest has an extra facet here; we need to make sure the company benefits as well as me.
I'm thinking of something that rewards non-smoking, non-drinking, drug-free people who hit the gym every day.
Oh but,,,,,,,,,,,,,,,,
Does that illegally discriminate against smoking drunks who get stoned and who hate physical exercise ?
|
|
|
|
|
I commented on your other thread. You are going to find it difficult to purchase a policy for your business with just one employee. I'm in the same situation, and they immediately push me to an individual policy.
You will find the deductibles and co-pays are enormous. Some companies WERE selling high deductible policies (to keep the monthly costs down) and adding a rider policy that sort of covered some of the deductible and co-pay.
The biggest problem I encountered with the not-Affordable Care Act, is that it totally elephants large families. It used to be that coverage was single, couple, family. Now they charge per head. I still have 3 at home- family coverage cost me nearly $1,800/month. That's with a $2,000 deductible per person, a $2,000 co-pay per person, to a potential total of $12,000. In my mind, that's not insurance.
As far as pushing health, etc, it depends on how you structure your company. One way to save $$ is to "self-insure". The company covers some amount of potential claims to some limit. Claims after this go against the policy - sort of a very high deductible plan. So, the company has an incentive to help it's employees stay healthy.
Going to say something discriminatory now . Don't know how old you are, but if you have a young work force, your costs will be lower. Now as low as they were in the past. You youngsters are now paying for us old folks. Thanks for the help.
Charlie Gilley
<italic>Stuck in a dysfunctional matrix from which I must escape...
"Where liberty dwells, there is my country." B. Franklin, 1783
“They who can give up essential liberty to obtain a little temporary safety deserve neither liberty nor safety.” BF, 1759
|
|
|
|
|
After having to reset my password on several web accounts, I realized that all someone needs to logon into any of my accounts is my e-mail. All password resetting involves sending me an e-mail. So if someone can receive my e-mail, they can reset all of my internet passwords.
How difficult is it to redirect my e-mail somewhere else? Is it just my e-mail password that's required? Or is something else involved?
|
|
|
|
|
for me, they would still need my phone to complete the two-step authentication.
|
|
|
|
|
General 
News 
Suggestion 
Question 
Bug 
Answer 
Joke 
Praise 
Rant 
Admin 
Submit an article or tip
