All Posts by Date or last 15, 30, 90 or 180 days.
also by Lloyd: diglloyd.com photography and WindInMyFace.com

Thank you for buying via links and ads on this site,
which earn me advertising fees or commissions.
As an Amazon Associate I earn from qualifying purchases.

Other World Computing...
B&H Photo...
Amazon
As an Amazon Associate I earn from qualifying purchases.
877-865-7002
Today’s Deal Zone Items... Handpicked deals...
$2798 $2198
SAVE $600

$348 $278
SAVE $70

$389 $299
SAVE $90

$322 $322
SAVE $click

$2098 $1298
SAVE $800

$1499 $1129
SAVE $370

$322 $242
SAVE $80

$1499 $1129
SAVE $370

$1299 $949
SAVE $350

$330 $330
SAVE $click

$498 $398
SAVE $100

$180 $140
SAVE $40

$1299 $949
SAVE $350

$500 $275
SAVE $225

$180 $136
SAVE $44

$130 $110
SAVE $20

$2997 $2497
SAVE $500

$3498 $2998
SAVE $500

$370 $280
SAVE $90

$4899 $4499
SAVE $400

$1000 $1000
SAVE $click

$1699 $1149
SAVE $550

$280 $230
SAVE $50

$1899 $1499
SAVE $400

$4499 $3499
SAVE $1000

$2198 $1998
SAVE $200

$3998 $3498
SAVE $500

$1799 $1699
SAVE $100

$18599 $16599
SAVE $2000

$1149 $799
SAVE $350

$650 $450
SAVE $200

$199 $119
SAVE $80

$280 $200
SAVE $80

$1399 $1049
SAVE $350

$1199 $779
SAVE $420

$250 $200
SAVE $50

$1699 $1149
SAVE $550

$1499 $999
SAVE $500

$200 $130
SAVE $70

$76 $46
SAVE $30

$120 $30
SAVE $90

$189 $159
SAVE $30

$3899 $1499
SAVE $2400

$2999 $1999
SAVE $1000

$1699 $849
SAVE $850

$1698 $1198
SAVE $500

$1149 $799
SAVE $350

$1399 $1049
SAVE $350

$1498 $998
SAVE $500

$2797 $2497
SAVE $300

$280 $230
SAVE $50

$899 $549
SAVE $350

$1699 $1149
SAVE $550

Memory Upgrades for 2019 Mac Pro - Save Up to 65% vs Factory Costs
OWC Black Friday Deals

Upgrades, sound, iPad/iPhone, computing, storage, more!

Off topic: Insurance Goes Insane

If you buy your own health care as I do, be sure to scrutinize any 2014 proposal from your health insurer. Don’t assume!

In summary, the proposal I received from Blue of California:

  • Doubles the premium to nearly $19,000 per year for a plan that is so awful, it’s really only for emergency room visits and similar.
  • Raises the deductibles substantially.
  • Raises the annual out of pocket maximums substantially.
  • Raises costs after deductible to 40% from $0.

Observe that it’s not just twice the price, it’s far lower benefits. Well, essentially zero benefits as a practical matter. If that’s affordable, I’d hate to see expensive health care. And this is for the purgatory plan one step above the don’t-even-think-about-getting-sick plan. I’m not talking here about the “silver” or “gold” or “platinum” plans. Hell, those are “heaven” plans I can’t even contemplate.

It gets uglier for small business. Like many small businesses I am an S-corporation, and health care premiums my S-Corp pays are taxable as income on my personal return. Which means the earnings needed to pay for it are far higher, meaning $19,000 really means at least $30,000 in earnings if not more (California and federal income taxes). Very affordable for successful attorneys I suppose. By the way, employees working for big companies are not taxed on health care premiums paid on their behalf, a gross inequity for the self employed.

If the goal is to break the family’s budget, the Affordable Care Act has succeeded brilliantly with me and my family. I make just enough to pay my bills—but too much to get the juicy tax credits. Funny thing is, I don’t see how plans like this one help anyone with routine medical care (the $4500 deductible is far too high for most Americans, and then there’s the 40% hit on top of that even after it’s met).

I’ve already inquired with a health insurance broker about an alternate plan: it seems that I might be able to get the premium down to “only” an 80% increase over last year. With the CoveredCA.com California exchange site, the cheapest Bronze plan for my family comes with a 85% hike in price and very high deductible. As if cutting off three fingers is better than cutting off four fingers.

As a “worst case” concern: that 40% after-deductible whack is limited to the $6350 per individual cap, or so one might assume. Otherwise, it would mean personal bankruptcy for any serious visit to the hospital or emergency room. But I wish it were spelled out: if I get hit by a bus, and exit the hospital alive (or dead) with a $200K hospital bill, am I liable for $6350 or $80,000? I’d assume it’s $6350, but I wish this were made explicit.

Red annotations below call out key points. The scan is of the flyer received from Blue of California.

Blue of California proposed 2014 medical plan
B&H Photo Black Friday Deals

Photo, video, television, far more!.
OWC Accelsior 4M2 PCIe SSD
6000 MB/sec!
Mac or PC.


Ideal for Lightroom, Photoshop, video.
Capacity up to 16TB!
OWC Envoy Pro EX SSD
Blazingly fast Thunderbolt 3 SSD!

Up to 4TB capacity, USB-C compatible.

USB-C model also available


Great for travel or for desktop!
OWC Envoy Express

World’s first Thunderbolt 3 M.2 NVME SSD enclosure.

Super fast, bus-powered, 3.3 oz, DIY easy, rugged and compact!


See also OWC Express 4M2
√ No more slow and noisy hard drives!
OWC Thunderblade Thunderbolt 3 SSD

Blazing fast, up to 16TB.

YEE HAH!



√ No more slow and noisy hard drives!

Save the tax, we pay you back, instantly!
View all handpicked deals...

Sony WH-1000XM4 Wireless Noise-Canceling Over-Ear Headphones (Black)
$348 $278
SAVE $70

diglloyd.com | Terms of Use | PRIVACY POLICY
Contact | About Lloyd Chambers | Consulting | Photo Tours
Mailing Lists | RSS Feeds | Twitter
Copyright © 2020 diglloyd Inc, all rights reserved.
Display info: __RETINA_INFO_STATUS__