The three layers of backplates hurts me.
The three layers of backplates hurts me.
Maybe so! The one at mine worked like this:
You elect in advance how much you want to fund your FSA in the next upcoming period (year)
On day 1 of that period the FSA is available to you to spend on eligible expenses. Within 2 weeks I spent the full years elected amount (one surgery).
For the duration of the period they deduct (pre-tax) the total FSA election / pay periods (ie. $2000/24 in my case). And that would repeat through the full period (year).
So in my case, leaving after paycheck 1 of that period, but spending 100% of the elected funds means I paid: 1x(2000/24)= $83. But I spent $2000. Upon leaving that meant they did not collect $1917.
This is an actual FSA ‘loophole’. Easily searchable.
When you start an FSA the funds are front loaded. You can immediately spend everything. But you pay it back over the course of the year. So if you leave and all the funds are spent - you don’t owe them a repayment and they can’t exactly keep deducting from your paycheck.
Weird FSA trick tho; if you borrow from an FSA, spend it in full in, say… the first month of the year, quit your job. You never have to pay it back.
Happened to me by accident. I started a plan to pay for LASIK. Got it. Had no way of knowing back then I’d be made another job offer. Took it and expected to get dinged with the entire amount. Nope. FSA plan eats the loss.
So all you gotta do is plan very specifically months ahead and triple down by orchestrating a job change all to save $2k :) easy.
Sad that there’s simply no easy way to do the conversion math!
In many jurisdictions it’s not legal to charge this fee unless it’s advertised when ordering such as on the menu or posted signage.
They sometimes run crazy specials. Couple dollars for 6 months or whatever. I’ve juggled promos. But I have NY Times and it’s now invite that. Either way I appreciate their output and the quality of the writing.
Imagine the horror of paying someone to cover the thing that’s interesting to you. A true crime has been committed here.
Unbelievable and somehow totally expected.
Being honest I think the opposite of this is more likely true. Seeing a flashing indicator for all the notifications my phone “thinks” are important is going to make me more likely to constantly check my phone. Barring that I check when I want to. And with the new passive display modes I can glance and decide whether to even unlock or not.
Is it a miracle when you straight up drop all rules and use whatever leverage you have to assemble, if not a dream team, certainly not a team that would’ve existed one year ago under normal circumstances. Either way - it will be interesting to watch.
I’m about a month into brewing with a V60 (ceramic). Wouldn’t say I’ve perfected anything yet (coming from French press). Currently brewing a local roaster’s medium roast at 15 to 1, Baratza Encore now set to 13. Making a couple cups at a time. Hopefully will have some time to research methodology a bit more and get more comfortable toying with formula and approach.
Totally understand. I came back for mine, cleaned it all up, patched, painted and lost all back plating. But again, I totally feel your pain.