Facie’s Ramblings

As noted here and on FB, the hub's previous employer had pretty crappy health insurance, for which he paid about $1,100 a year for single coverage. I pay less than that per year for my individual plan (which has far better coverage), but adding him would have cost another $2,100, year. Since he has been to the doctor about three times in our many years of marriage, we had decided when I started my job a little over three years ago, it was not worth the extra $ to put him in on my better plan (J is on it). We were right. :-) Sadly, the hub's new employer's plan makes the last plan seems like the gold-star option. If B goes on this plan, which he could not get on until August, he would pay almost $3,000/year. But on top of that, he would first have to pay a $1,500 deductible. If our entire family was on the plan, almost $19,000 would be deducted from his yearly pay , plus there is a $4,500 deductible. Coinsurance (no idea what that is) is 30% after the deductible. And the c...

A few things have been weighing on my mind lately. Most notable has been the hub's job. The company he has worked for for more than 7 years has not been doing well for, well, years. Paychecks have been late for at least a year or two. His salary was cut long before that, never to be brought back. And, even though the economy is better than it was earlier this decade, it still is not great, thus keeping the hubs at that job. Still, we both knew the biggest advantage of his job was that he got to work from home. Being able to get out of bed just before your starting time, particularly when you are not a morning person, is pretty great. Not having to sit in traffic most days, also pretty great. And being able to take a late lunch so you can get your kid from school and bring her back home, saving on after-school care, also pretty darn good. J will be 13 at the end of the summer. We had decided that we were going to transition her to staying by herself by letting her do that 2 or 3 d...