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Originally Posted by OneTimeSBX
Does anyone have any trade secrets for their line of work/employer that would shock and/or help the public if they knew? Any dirty little secrets you are willing to share? i think it would be helpful, there are so many loopholes in different areas of life, i like finding out tricks to making my life easier and my pockets fatter  !
i can start...banks clear checks largest to smallest. for some reason while i was a teller, none of my customers knew that. for example, if you have $100 in the bank, and you write a $75 check and 4 $20 checks, the $75 is coming out first. why? because you are going to bounce more checks once they take the larger check out first...in this case they get to charge you for 3 bounced checks, instead of taking the 4 $20 ones and bouncing the one for $75. that will cost you almost $100 in bounced check fees, as opposed to the 1 charge. its all about money! |
I worked for an insurance company last year...a few basics
1. a company purchases insurance as a 'package' the lower you are on the totem pole the crappier your coverage can be...if you are a grunt...u get some decent benefits...if you are the CEO, you are pretty much covered...and the coverage has to be compliant to that company
2. segue from number one a bit, read the fine print of what your insurance covers....some companies may not cover birth control...even if you are using it to take as a mestrual regulatory pill.
3. Companies also can pick in the insurance certain bits of preventive care that can or cannot be covered and when
for example - company A picks policy 1 - you can have XYZ screening as long are you are 40 years of age and up as part of your preventive screening
company B picks policy 2 - you can have XYZ screening as long are you are 35 years of age and up w/ no prior Hx as part of your preventive screening
and my personal fave....people thought that because thier last company covered and wondered why this changed:
company C picks policy 3 - you can have XYZ screening as longs are you plan on paying out of pocket.....because the screening is NOT a covered screening.