link love

First ted talk on abortion (also check out the abortion myths slideshow at the bottom)

chilling stanford article (discusses rape and reporting retaliation)

in our ongoing series of F THE POLICE (disturbing picture)

On a plate

dickipedia:  ted nugent

It really is the devil’s underpants.

Pockets and patriarchy

Why we need erasers, I mean history.

Octavia’s brood

zomg gail carriger’s fashion blog I will read IT ALLLLLL

News is what someone wants suppressed.  Everything else is advertising.

may possibly be true

case for and against homework

that’s full professor notorious to you

Hide and seek cats

Google questions (because more people liked them than disliked them!)

Q:  why is peeing draining the weasel

A:  Because the word “weasel” is funnier than ferret.  Other than that you should picture it in your mind.

Q:  how to write a reply to a comment

A:  using a keyboard, or some other device such as speech-to-text (Dragon software, etc.).

Q:  what enrichment activities are best for kids

A:  best in what way?  Swimming could save a life.  Piano and violin are supposed to help grow brains.  Some things can teach teamwork or self-confidence or persistence.  Others can teach valuable skills or help make networking connections.  Some are just fun.

Q:  is cash a good gift for a coworker

A:  paypal to grumpyrumblings at gmail dot com

Q:  why can’t i get a c in grad school and pass

A:  that might technically be passing, but only sort of.  Check with your program and your advisor.  In my program that would have been equivalent to failing, because grad school was held to a much higher standard than undergrad.

Q:  how to keep chickens from wasting feed

A:  give them less at a time?  We don’t know much about keeping chickens.  Can any readers chime in here?

Q:  things i’m paranoid about

A:  who is writing blog questions in my name?

Q:  why doesn’t my balance in your checkbook doesn’t match up

A:  because my account is not the same as yours

Q:  why doesnt my significant other intriduce me to people

A:  Have you asked?

Q:  is there a movement going on snce the recession to downsize your lifestyle

A:  Sure.  Minimalism is now hip with the mommy bloggers.

How misogyny keeps women down

I just wandered onto econjobrumors because a prominent female economist who I like a lot was quoted on a blog post with school designation different from the one I last knew her to be at and I wondered about it.  So I googled.  Big mistake.  Now I feel really really dirty.  It reminds me how horrid and misogynistic most of economics is, at least when people are allowed to post anonymously.  Jeez.

The thoughts through my mind as I first read through the thread about her tenure denial and everybody bashing her were, gee, I’m glad this mob doesn’t know I even exist.  I’m glad I wasn’t working at a top 5 school.  I’m glad I didn’t write that popular press book that she wrote (that I could have written, but probably could not have published, and was very glad that I didn’t based on the backlash I read just on the Amazon reviews).

I don’t want to stick my neck out because I don’t want the mob to find me.  I’m happy being less than the top because I see what happens to outspoken women at the top.  I’m glad I’m not at a top 15 school where I would have been punished for having a baby before tenure.  (The things I hear from my friends at those schools always make me glad to be someplace more supportive.)

But as happy as I am with my non-star status, I wish it weren’t that way too.  I wish I could be more like her… I mean, I’d rather be more like Amy Finklestein, who I hope that nobody says anything bad about ever, but my true self is a bit more like this other woman.  If I hadn’t had self-confidence beaten out of me or had that extremely scary brush with infamy in middle school and if I’d had more privilege (and if I were a little smarter and more organized and a little less careful), I might also have the opportunity to stick my neck out and have internet mobs come after me because they didn’t like my opinions or attitude or my success.  I would be even more brash and more self-confident and more willing to tell people what’s right or wrong than I am now.  Things we aren’t allowed as women, when men with those characteristics get early tenure at Harvard.

If I were less weak.  If the world were a better place.  If I were male.  Then I would be less scared of true success.  Less scared of being a big fish in a big pond.  My ambition would have no limits.

But given my constraints and the way the world is… I’m pretty happy where I am now.  Valued by my colleagues and administration.  Making a small name for myself in my area of study.  Answering interesting questions.  Reading the occasional romance novel.  Having time for an anonymous blog that isn’t usually about economics (except that it sort of always is).

But wouldn’t it be nice if men and women had the same opportunities for success and balancing life?  And women didn’t have to be thankful that their mediocrity protects them from the mob?

What’s on your iPod?

This video because I am a huge nerd.  Also this video (NSFW!) because it is the funniest thing in the whole world.  Kanye’s song Power.  Albums and songs by Monty Python, MC Frontalot (quite a lot of songs), U2, the Toronto Mendelssohn Choir (singing Handel), Kathleen Battle, Michelle Branch, OAR, old Madonna, TMBG, Jessie J, Jonathan Coulton, the Muppets, P!nk, the Police, the Lion King, and the complete soundtrack of Labyrinth.

Podcasts about books and video games and other nerdy stuff and general stuff (some from maximumfun.org).  A photo of my cat.  A photo of my coolest pair of shoes.  A cartoon.

#2 does not have an ipod.  It is very sad.  Hir DH mostly keeps audio books on his mp3, and the occasional wait wait don’t tell me podcast or splendid table podcast.  We outnerd #1.  NPR nerdz!

What about you?

 

Health insurance options revisited

When I’m on half pay, I have to pay for part-time benefits instead of full-time benefits which means the university contributes a lot less and we need to revisit our insurance choices.  Previously we’d opted for the family plan from the university which was a bit less expensive than the other options from DH’s company (partly because DH’s company’s plan covers a lot more stuff even if it’s not any more generous with copays or coinsurance).

This year, just to make it difficult, DH’s company has added a second health insurance option.  We can do either their PPO or their HSA.  If this were a “we have lots of extra money” year, the HSA would be tempting on the basis of the way they act as additional tax-advantaged long-term savings.

Based on my calculations the cheapest monthly payments are:
1.  DH’s family HSA:  $494.06
2.  DH cover himself and the children with the HSA I take my insurance:  $584.41
3.  DH’s family PPO:  $611.88
4.  DH covers himself and the children with the PPO I take my insurance:  $660.87
5.  DH covers yourself with the HSA, I cover the children:  $701.09
6.  DH cover yourself with the PPO, I cover the children:  $742.43
7.  I cover the family:  $791.74

Of course, these plans all have different copays and different deductibles and different coinsurances. With only a fraction of the full-time subsidy, my plan is just flat out dominated by DH’s PPO, so we can throw that out. The HSA costs more every time it is used and has a higher out of pocket limit than DH’s PPO.  All three plans have exactly the same provider networks.

So, the difference in monthly payments between DH’s two family plan options is $1413.84 annually. If DC2 stuck a pony bead up hir nose, it would be $3000 + possibly another $170 for the emergency room trip under the HSA and $500 + possibly another $170 for the same trip under the PPO-500.

Do we want a sure savings of $1400 vs. a potential additional cost of $2500 for one emergency trip? That’s a potential out of pocket loss of $1100, not counting the unknown costs of doctors visits under the HSA.

The final piece of information is how office visits are treated.  From the literature they gave us, it is clear that preventative visits are free and office visits for sickness are $25 under the PPO.  With the HSA it wasn’t clear if we had to pay for the entire visit up to the deductible or if they were free without copay.  That could make a very big difference when you have two kids going into a new disease environment for a year.  After googling and looking on the plan’s webpage only produced information from 2009, we called up.  And were told to call again the next day during business hours.  After a lengthy discussion the next morning we determined that we would have to pay the entire negotiated rate for an office visit under the HSA and just the $25 copay under the PPO.  The numbers the lady on the phone threw around for predetermined office visit rates were something in the 100 range, though she wasn’t quoting anything.  (Online rates range from $65 to $380, but I’m guessing the negotiated rates are in the $100-$200 range.  Who knows!)  Because we have children, it’s likely that we will have to visit the doctor’s office for more than just the one annual allowed well-child check-up.

Assuming no emergency room trips and that an office visit is $150, then we would need to visit the doctors office 10 times while sick over the course of the year before we lost monetarily.  Assuming a $200 trip, that would be 7 visits.  Those assumptions put the HSA in as being more beneficial.  But, thinking about it another way, we will need to have at least two visits under the HSA because you always need doctors visits for school and preschool and DC2 won’t quite be three yet meaning ze won’t have tripped onto the allowed annual well-child check-up and DC1 has already has hirs for the year.  So that would really only be a savings of $1100 under the HSA or perhaps $1000, given higher office visit costs.

Really it comes down to risk.  Will DC2 need to use the emergency room?  Will we be way more sick?

We can afford the $3000 HSA max should the worst case scenario happen.  But a sure loss of ~$1000 also isn’t that big of a deal to us if it pays for peace of mind.  Having an HSA account would be nice, but it would also be a hassle given that we’ll only contribute to it for the one year (since my insurance will be more attractive once I’m full-time again).

After a long discussion with DH, we decided we’re risk averse and, more importantly, hassle averse.  We think chances are very high that we’ll be out $1000 for the year but we’d rather not have to think about how much the doctor costs in advance of a visit or what bank to use for an HSA that we will at most put $3000 in.  So, we’re going for the PPO, even though financially the HSA would make more sense.

How do you decide between insurance options?  Do you get any options?  (And are you like me and would prefer not to have options?  That ‘more options is always better’ part of microeconomics is such bunk.)

 

ZOMG link love

Octavia’s brood

This isn’t an Onion article.

Wired doesn’t actually want to hear about women or people of color.

Bill O’Reilly’s family values.

This old post on GOT seems particularly relevant this week.  Why are you writing a rape scene?

good explanation on why not to call people things they don’t want to be called. Though he’s dead wrong about “In one short sentence, Sunny Moraine—whoever the hell she is, and we’ll get to that in a moment—has dismissed such novels as Tolstoy’s War and Peace, James Joyce’s Ulysses, Herman Melville’s Moby Dick—not to mention the epic of Gilgamesh and Homer’s Iliad.” The Illiad has women in it and Joyce and Melville are shitty specifically because they have no women (other than prostitutes whose main purpose is for the main character’s development, like in that other shitty book, catcher in the rye). I was never able to get into Eric Flint for the same reason– no female characters.

Awwww

His majesty

Dr. Crazy says hello good-bye

This is cool.

It’s always fun to be able to look at someone who is making a lot more money and then go, yeah, I’m glad that’s not my life. What a waste.  Tax the 1%!

My FIL just got shingles while waiting to find out if his insurance covered the vaccine.  Noooooooooo.

This one is deep.

Sorry not sorry.

doubles on tundra

Historiann agrees with Katie Roiphe (!!!)

Mallory Ortberg’s comments sections are awesome.  Also a kitten.  And more kitten.

Mrs. Frugalwoods is having a baby!

I find this article to be quite hilarious.

more delicious

the video on this link is pretty interesting

 

Ask the grumpies: Recommendations for post-maternity leave

Slightly Anonymous asks:

My department is writing a policy for what they do to support new parents post-parental leave.  I’m on the committee that is supposed to come up with this.  I think this is great:  if somebody misses a year or a semester with a new baby, then it makes sense that they might need some time or extra support to come back up to speed.  But what should our committee recommend?

I’m wondering if you or any of your readers have ideas?

I’m at a UK university, which means that academic staff at my university are either on short-term temporary contracts — think postdoc — or have permanent positions.  In most UK universities “lecturer” is the equivalent of “assistant professor with tenure.”  At my university there is a 1 year probationary period before your job is officially permanent, but passing probation is pretty much a formality.  There is still stress about being promoted, but much less than what comes with trying to get tenure in a US university.

Being in the US and not having been at coastal or ultra-prestigious schools, our own experience is pretty pathetic.  That whole “missing a year or a semester with a new baby” thing … not something we’re used to.  In my department we’re still trying to get something consistent in place that doesn’t involve begging other people in the department to cover your classes for a couple of weeks after the baby is born.

Off the top of my head, all I can think of is adding a year to the tenure clock for those without tenure, but that is mostly irrelevant in the UK context.  Surely someone out there has a better idea of what best practices are?  #2 has only seen terrible practices.  My poor poor colleagues.

Grumpy Nation, please weigh in with your suggestions!