Max Out of Pocket

Max Out of Pocket – April

I suppose it is a good idea to just stop for 10 minutes and reflect. We are constantly moving from one thing to another. How is my net worth doing? Am I financially independent yet? I need to run today. Oh, but I wanted to listen to that podcast. I guess I will do both. Facebook. Oil change. Article. Another blog post. Netflix show. Check out that new investment? REITS? New project at work? Need...

Healthcare REIT Experiment – Yield, Conference Calls, and Expansion

You know, it’s actually pretty simple. Avoid buying large trucks with over-engineered tailgates to get you to and from the office. Take a pass on the $500,000 cookie-cutter house in the suburb that looks exactly like your neighbors’. Say no to the $150 monthly CrossFit membership fees. Dodge the $5,000 emergency room bills (with the help of Max OOP).  The byproduct of several reasonable decisions over time is usually an obnoxious amount of money left...

Medicare FICA: Tax or Premium?

Max Out of Pocket has a question for you. Do you have any clue how much you pay into the Medicare program out of every pay check? I mean come on, what else do you have to worry about on a Saturday afternoon?   Well, a big piece of the answer is in your FICA (Federal Insurance Contributions Act) payroll taxes. It is an important concept to understand before we get too far into your...

Healthy Benefits Part 1 – My $100 Carrot

I got one of those “just a friendly reminder” emails at work the other day from corporate.  These usually quickly make their way to my trash bin, but this one caught my eye. It said “don’t miss out on your $$$$”. If you haven’t figured it out yet, Max OOP likes dollar signs.    I guess working for a living does have its perks from time to time. Many employers, and especially hospitals, offer benefits...

Unplug and Recharge With Work Conferences

Okay, the title technically doesn’t make much sense, but you get the idea. I write this from a beautiful resort in northern New England overlooking the mountains. I just took a nice dip in the hot tub and plan to relax for the rest of the evening. One of the perks of working in Healthcare finance is you sometimes get to go to fancy conferences and listen to people talk about insurance premiums, deductibles, and...