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07-26-2024, 12:33 PM
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#22076 | | Rs has made me the woman i am today!
Join Date: Dec 2009 Location: Burnaby
Posts: 4,074
Thanked 5,160 Times in 1,954 Posts
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| Quote:
Originally Posted by donk.  Anyone ask for more pay after going onto partners health benefits?
Ex: my company has 3$/hr worth of health benefits.
I go onto gfs health benefits.
Company no longer needs to pay 3$ worth of health benefits.
Ask company for difference?
Is this a thing? | It depends if it's a flex plan or modular. Do you know?
If not, and it's simply an employer TRAD plan paid without credits or cost sharing, then no.
If it's flex, you can move those employer paid amounts to HSA/PSA or taxable cash.
If it's fully employer paid mandatory plan for EHC/Dental, with no employee cost sharing, you might as well stay in the plan for travel insurance purposes, and paramedical amounts, you're not losing anything by staying in the plan.
__________________ Quote:
Originally Posted by MG1 In Mike we Trust | | 
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07-26-2024, 12:44 PM
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#22077 | | linguistic ninja
Join Date: Aug 2001 Location: Vancouver, BC
Posts: 16,041
Thanked 3,674 Times in 1,343 Posts
Failed 140 Times in 79 Posts
| Quote:
Originally Posted by mikemhg Fuck that sucks Fairmount Jasper was one my bucket list to visit, I've heard it's better value-wise then Fairmount Lake Louise.
Guess that's out the window.
EDIT: NM, damn you Civic. | lol sorry man.
FWIW on that trip we stayed at the Lake Louise and had dinner at the Jasper. Jasper is actually a 4* hotel and LL is 5* so it makes sense that it's cheaper. Even then the LL is very overpriced (much more so now) but the view is pretty much what you're paying for. Worth it though, at least in 2020: 
Jasper is still fantastic though, worth the extra drive from Banff. Even so, it takes less time to drive from Vancouver directly (9h vs 10h)  | |
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07-26-2024, 03:06 PM
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#22078 | | My homepage has been set to RS
Join Date: Jun 2013 Location: Burnaby
Posts: 2,424
Thanked 2,905 Times in 770 Posts
Failed 407 Times in 108 Posts
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Whoa, that picture is unreal.
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07-26-2024, 03:17 PM
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#22079 | | My homepage has been set to RS
Join Date: Jun 2013 Location: Burnaby
Posts: 2,424
Thanked 2,905 Times in 770 Posts
Failed 407 Times in 108 Posts
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I feel like I can smell the air through that picture.
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07-26-2024, 05:31 PM
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#22080 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
Posts: 8,664
Thanked 9,993 Times in 3,601 Posts
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Alaska is unreal. The white pass / Yukon train route is epic. I’m not a rail fan / foamer but riding this train for 3 hours almost brought a tear to my eye. The majestic beauty is unmatched.  
The conductor of this train invited me over to his house to drink with him once he found out that I used to be a conductor. Too bad I don’t drink anymore and my boat gotta leave
He gave me a nifty hat though. Rail road brotherhood is real
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| | | This post thanked by: | 6793026, bcrdukes, BIC_BAWS, CivicBlues, haha13, Hehe, mikemhg, RabidRat, spoon.ek9, Traum, underscore, Vancouver240sx | |
07-26-2024, 07:17 PM
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#22081 | | in the butt
Join Date: Aug 2016
Posts: 2,803
Thanked 3,516 Times in 1,281 Posts
Failed 168 Times in 91 Posts
| Quote:
Originally Posted by PeanutButter I feel like I can smell the air through that picture. | We take for granted having mostly clean air in canada
When i came back from my 3 month australia/asia bender, it was forest fire season over there. I remember landing in YVR, stepping outside, and just taking a breath of clean air. I forgot what clean air smelled like.
__________________ Quote:
Originally Posted by Mr.Money
i hate people who sound like they smoke meth then pretend like they matter.
Originally Posted by ilovebacon
Does anyone have a pair of 25 pounds one-inch hole for sale at a reasonable price?
Originally Posted by mikemhg
Clothes come off and my car is permeated with the smell of fillet-o-fish and canned tuna.
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07-26-2024, 08:14 PM
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#22082 | | linguistic ninja
Join Date: Aug 2001 Location: Vancouver, BC
Posts: 16,041
Thanked 3,674 Times in 1,343 Posts
Failed 140 Times in 79 Posts
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You know where has really clean air? New Zealand, makes our air smell like a wet fart. Lol.
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07-26-2024, 10:45 PM
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#22083 | | in the butt
Join Date: Aug 2016
Posts: 2,803
Thanked 3,516 Times in 1,281 Posts
Failed 168 Times in 91 Posts
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Havent noticed a difference 
__________________ Quote:
Originally Posted by Mr.Money
i hate people who sound like they smoke meth then pretend like they matter.
Originally Posted by ilovebacon
Does anyone have a pair of 25 pounds one-inch hole for sale at a reasonable price?
Originally Posted by mikemhg
Clothes come off and my car is permeated with the smell of fillet-o-fish and canned tuna.
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07-27-2024, 05:18 PM
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#22084 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2010 Location: Vancouver
Posts: 9,186
Thanked 3,603 Times in 1,752 Posts
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| The Official No Need To Start a New Thread, Thread
Crazy fight at the Richmond Night Market on Friday night.
Two guys were throwing tables to try to imitate WWE wrestlers.  https://www.reddit.com/r/vancouver/c...t=share_button
Sent from my iPhone using Tapatalk
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Go Canucks go!
Last edited by pastarocket; 07-27-2024 at 06:30 PM.
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07-27-2024, 06:51 PM
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#22085 | | RS Veteran
Join Date: Dec 2001 Location: GTA
Posts: 29,616
Thanked 11,213 Times in 4,601 Posts
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I imagine that is how things went down when Badhobz fought the Indian guy over the parking spot at KFC.
__________________ Quote:
Originally Posted by whitev70r When I had a 2 yo, attending those were friggin painful as hell. I rather get the Chinese water torture for 2 hours. | Quote:
Originally Posted by Badhobz excuse me, i would never date a mainlander... thats disgusting. | | |
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07-27-2024, 06:53 PM
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#22086 | | Hacked RS to become a mod
Join Date: Feb 2002 Location: Sunny Hong Kong
Posts: 53,008
Thanked 24,165 Times in 8,366 Posts
Failed 1,530 Times in 678 Posts
| Quote:
Originally Posted by pastarocket | Clown Fiesta
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07-28-2024, 08:29 AM
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#22087 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
Posts: 8,664
Thanked 9,993 Times in 3,601 Posts
Failed 467 Times in 232 Posts
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| | | This post thanked by: | 68style, bcrdukes, donk., GLOW, Hehe, mikemhg, Mikoyan, PiuYi, RabidRat, spoon.ek9, Traum, underscore, unit, Vancouver240sx, whitev70r, winson604 | |
07-29-2024, 08:05 AM
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#22088 | | I contribute to threads in the offtopic forum
Join Date: Mar 2011 Location: Vancouver
Posts: 2,841
Thanked 2,617 Times in 1,131 Posts
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How much 3rd party liability with ICBC do folks here carry? I'm at $2m and noticed my brother carries $3m and it got me thinking if I've got enough or not.
This lawyer back in 2016 recommended $5m from ICBC and then even more privately: https://pushormitchell.com/2016/11/i...uch-is-enough/
__________________
Current: 2019 Acura RDX
Gone: 2007 Acura TSX, 2008 Mazda 3 GT, 2003 Mazda Miata LS, 2008 Mazda Miata GT PRHT, 2003 Mazda Protege 5
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07-29-2024, 08:12 AM
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#22089 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 16,346
Thanked 16,855 Times in 5,626 Posts
Failed 286 Times in 182 Posts
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Do your own research, don't take my word for it, but liability does not work the same anymore. Here's my understanding of it:
You can't be sued under the no fault insurance system, so the liability amount is no longer to cover running over a doctor, the only thing it's for now is if you hit a business, your liability is there to cover their operating losses while they're closed. You need this in Richmond, where you are bound to drive through the front window of a shop at some point.
So basically it's useless now unless you're totally incompetent. I don't even think you need $1M anymore.
Devil's Advocate: If you look at your breakdown of costs, $2M coverage is like about $30 if you're at full discount... so why not just leave it there at that price. It's not saving you anything to get rid of it. It used to be WAY more expensive when it was for personal injury coverage.
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07-29-2024, 08:27 AM
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#22090 | | SFICC-03*
Join Date: Mar 2002 Location: richmond
Posts: 8,264
Thanked 2,720 Times in 1,089 Posts
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speaking of benefits, does anyone else find that benefits are shit now that practitioners are asking like $180/hr for physio, $135/hr for RMT, etc..?
back when these things were like $90-100/hr, a $500 or $1000 allowance was plenty, but now that they have gone up so much the benefits cover far fewer sessions.
if these things were not covered under benefits the prices would absolutely plummet. only because they are billed to insurance they just charge whatever they want.
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07-29-2024, 09:17 AM
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#22091 | | Rs has made me the woman i am today!
Join Date: Jun 2006 Location: Burnaby
Posts: 4,038
Thanked 6,737 Times in 1,636 Posts
Failed 213 Times in 86 Posts
| Quote:
Originally Posted by supafamous How much 3rd party liability with ICBC do folks here carry? I'm at $2m and noticed my brother carries $3m and it got me thinking if I've got enough or not.
This lawyer back in 2016 recommended $5m from ICBC and then even more privately: https://pushormitchell.com/2016/11/i...uch-is-enough/ | My understanding is with the new system, there's a lot less need for higher TPL as it was with the previous system.
Essentially TPL was to insure you in case you hit someone and they sue you for lost wages, etc. Now since most of the time they can't sue, there isn't much use for TPL other than if you damage property. Even ICBC admits this on their page for TPL.
I guess if you drive into someone's house or a business, maybe? Do correct me if I'm wrong though. I carry 2 million.
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07-29-2024, 09:31 AM
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#22092 | | RS Veteran
Join Date: Dec 2001 Location: GTA
Posts: 29,616
Thanked 11,213 Times in 4,601 Posts
Failed 426 Times in 274 Posts
| Quote:
Originally Posted by unit speaking of benefits, does anyone else find that benefits are shit now that practitioners are asking like $180/hr for physio, $135/hr for RMT, etc..?
back when these things were like $90-100/hr, a $500 or $1000 allowance was plenty, but now that they have gone up so much the benefits cover far fewer sessions.
if these things were not covered under benefits the prices would absolutely plummet. only because they are billed to insurance they just charge whatever they want. | +1
Getting out of control. RMT / Physio etc. Some practitioners can still be reasonable, but more often than not, the ones who bill directly often charge whatever they want, and you are out of pocket. I am careful on telling practitioners if I have insurance or not, just to test the waters.
__________________ Quote:
Originally Posted by whitev70r When I had a 2 yo, attending those were friggin painful as hell. I rather get the Chinese water torture for 2 hours. | Quote:
Originally Posted by Badhobz excuse me, i would never date a mainlander... thats disgusting. | | |
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07-29-2024, 09:32 AM
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#22093 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 16,346
Thanked 16,855 Times in 5,626 Posts
Failed 286 Times in 182 Posts
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All the places open at 10pm with neon signs need to get registered man, competition drives down prices
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07-29-2024, 09:41 AM
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#22094 | | RS Veteran
Join Date: Dec 2001 Location: GTA
Posts: 29,616
Thanked 11,213 Times in 4,601 Posts
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"Could I get a receipt, please?"   Speaking of which, I need to book an appointment with my physiotherapist for my right hand. 
__________________ Quote:
Originally Posted by whitev70r When I had a 2 yo, attending those were friggin painful as hell. I rather get the Chinese water torture for 2 hours. | Quote:
Originally Posted by Badhobz excuse me, i would never date a mainlander... thats disgusting. | | |
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07-29-2024, 10:36 AM
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#22095 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Apr 2004 Location: Vansterdam
Posts: 8,056
Thanked 1,807 Times in 933 Posts
Failed 85 Times in 24 Posts
| Quote:
Originally Posted by unit speaking of benefits, does anyone else find that benefits are shit now that practitioners are asking like $180/hr for physio, $135/hr for RMT, etc..?
back when these things were like $90-100/hr, a $500 or $1000 allowance was plenty, but now that they have gone up so much the benefits cover far fewer sessions.
if these things were not covered under benefits the prices would absolutely plummet. only because they are billed to insurance they just charge whatever they want. | Daaamn son what physio are you seeing for $180/hr? Or maybe I'm just out of the loop, started seeing a physio recently for the first time in like 20 years and it's $100 for 45 mins so about $130/hr same as RMT really. $180 sounds wild not that $130 doesn't sound crazy already. At least RMTs don't have the tip option anymore like before unless some of you are still seeing it. Once prices started creeping a few years ago the place I go to stopped the tip option all together.
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"back at the line to Babych.... LONG SHOT....Potvin had trouble with it....ADAM SHOOTS SCORES!!!!
GREG ADAMS!! GREG ADAMS!!"
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07-29-2024, 10:46 AM
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#22096 | | 14 dolla balla aint got nothing on me!
Join Date: Nov 2012 Location: YVR
Posts: 696
Thanked 444 Times in 235 Posts
Failed 64 Times in 21 Posts
| Quote:
Originally Posted by supafamous How much 3rd party liability with ICBC do folks here carry? I'm at $2m and noticed my brother carries $3m and it got me thinking if I've got enough or not.
This lawyer back in 2016 recommended $5m from ICBC and then even more privately: https://pushormitchell.com/2016/11/i...uch-is-enough/ | I also run the highest deductible on collision to save money.
Depends on your risk tolerance, what is the chance you get into an accident, and also be the one at fault to pay the deductible?
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07-29-2024, 10:52 AM
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#22097 | | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 37,221
Thanked 14,790 Times in 5,874 Posts
Failed 2,052 Times in 683 Posts
| Quote:
Originally Posted by unit speaking of benefits, does anyone else find that benefits are shit now that practitioners are asking like $180/hr for physio, $135/hr for RMT, etc..?
back when these things were like $90-100/hr, a $500 or $1000 allowance was plenty, but now that they have gone up so much the benefits cover far fewer sessions.
if these things were not covered under benefits the prices would absolutely plummet. only because they are billed to insurance they just charge whatever they want. | $180 for physio is robbery. So many physios are just bullshit too. I’ve probably seen 4-5 physios in my life and only 1-2 have actually addressed issues and seem to actually have the knowledge to assess things probably.
My RMT recently bumped her rates to $135 but I’d gladly pay more. Also helps when each individual service is broken up with my plan, spent almost $2500 on massages alone last year
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Dank memes cant melt steel beams
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07-29-2024, 11:11 AM
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#22098 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 16,346
Thanked 16,855 Times in 5,626 Posts
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I can only get massages with a doctor's note... boohoo fed gov
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07-29-2024, 12:32 PM
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#22099 | | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 37,221
Thanked 14,790 Times in 5,874 Posts
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Need that money for cost overruns
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Dank memes cant melt steel beams
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07-29-2024, 12:43 PM
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#22100 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
Posts: 8,664
Thanked 9,993 Times in 3,601 Posts
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There is an additional coverage that most of you high income broskis should get from ICBC. The one that covers future loss of income and wages. I think basic only covers you up to 80k a year. If you make more than that, it’s whomp whomp for you if you get into an accident and can’t work.
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