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.

The three layers of backplates hurts me.

Maybe so! The one at mine worked like this:

1. You elect in advance how much you want to fund your FSA in the next upcoming period (year)

2. 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).

3. 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.

Bookmarked. Apple and google connections are so frustrating.

“Had they been brave” for Sears means axing or disincentivizing their entire income stream of a nationwide chain of mega stores in malls, etc. It’s not that what you’re saying is wrong, it’s just that these scenarios don’t happen for a reason. They would have decimated their reliable revenue streams when the time was “right” and by the time it was too late, well… no money to invest as you’re closing stores and in the red.

“Prescription Data” reads to me like: get this filled right away: 3ccs of a Wi-Fi 6 base station, and we’re going to start you on a course of 5g mmWave with monthly refills.

They lost some sales right now because they chose chaos and pissed off everyone. Also they are AB InBev and let’s be real they’re gonna be fine.

Same boat