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QUOTE (Jenksismyb**** @ Nov 12, 2013 -> 10:22 AM) Most insurance policies cover 90% (made up statistic) or the majority of problems you will ever encounter in life. Most employer-based policies also allow you to add certain coverages at a higher price on an annual basis. Having a kid for example. You shouldn't have to buy a policy to cover that cost every single year. However, if you and your wife decide you're going to have a kid, you can buy up the year before. That's what my wife and I did, and we saved a decent chunk of change by doing so. Insurance is based on family size. Of course covering 2 people is going to cost less than covering 3. Unless you are talking about pre-natal care. But even then there are people that don't plan pregnancies or don't realize they are pregnant for months.

QUOTE (Jenksismyb**** @ Nov 12, 2013 -> 10:19 AM) You buying full coverage is an option though. You're not legally required to have it. I'm required to have it because I have a loan. Although I'm not sure if that's a law or if it's the bank that requires it.

QUOTE (Jenksismyb**** @ Nov 12, 2013 -> 08:35 AM) Car insurance isn't to protect you against yourself, it's to protect other people. Not if you have full coverage. Because there are about a million other things that you can run into that will wreck your car besides another driver. A tree, a guardrail, a deer, a telephone pole, a ditch... You are basically paying for the insurance company to replace/repair your car if you hit one of those things. Not to mention medical coverage for your injuries. QUOTE (Jenksismyb**** @ Nov 12, 2013 -> 09:04 AM) If you get in a wreck that isn't your fault, your insurance doesn't pick up the tab. Actually, they might. I had a guy pull out of a parking lot and hit me while I was sitting in the turn-lane to go into the lot. It was totally his fault and he got the ticket, but he made up some BS story and his insurance company refused to pay for my damages. I had to actually pay my deducible and have my insurance company pay for the repairs and then they went after the other driver's insurance to get the money back. If I had to do that on my own, I would've been completely screwed.

QUOTE (pettie4sox @ Nov 8, 2013 -> 03:19 PM) This. I think the true embarrassment is that things like this do happen in our country which allegedly the "greatest" in the world. It's even more embarrassing when you talk to someone from another country. They just cannot believe that we basically allow people to die or go bankrupt if they can't get or afford medical care.

I thought 2008 was when they just started throwing money at players in an effort to try to win it all and up the value of the franchise before they sold it. I've heard about this from the players for years. The combination of out-dated facilities plus the constant schedule of day games makes it more difficult for them to play well. A friend of mine that is a die-hard Cubs fan has been saying for years that they'll never win unless they get out of that ballpark.

An interesting coincidence that I just read about yesterday (from Wiki):

I think I might have made 50K/year between my two jobs.

QUOTE (Y2HH @ Nov 5, 2013 -> 01:52 PM) Jesus, 70 hours a week? That's close to having two jobs. I did that for about 3 years. I worked my main job M-F 8am - 4:30pm (plus an hour of driving each way) then I worked 7am - 4pm on Saturday and Sunday and 6pm - 10:30pm two nights a week (sometimes 3 nights). I did it so we could catch up with some bills but it really, really sucked. I was always tired.

I was one of the guys that played sports and then hung out with a completely different crowd when we weren't practicing or playing. I was pretty much the only guy that would hang out in the computer lab during the day and then go play baseball after school. I got along with my teammates well enough but we never really became more than acquaintances. Just enough to maybe say 'hi' while passing them in the hallways. They tried to come up with a nickname for me but none of them were clever enough to stick.

So my daughter brought a doll home last night that she had to take care of for her child development class in HS. It would literally cry like a real baby and she was supposed to hold it, rock it, burp it, feed it, change it's diaper, etc... It was very life like. It had sensors in it that would record her interactions with it and she would be graded based on how well she did. She had to wear a bracelet with a sensor in it. She was supposed to hold near different points on the doll, and it was supposed to "chime" meaning that the doll was ready to be taken care of. The problem was that we never heard the chime once the entire time we had it. There was literally no way to take care of it. It would just cry for a few minutes, stop, then start again 10 minutes later. It was very loud and annoying and was supposed to continue until 7AM this morning. We finally gave up, put a blanket over the speaker and stuck it in the basement. We also emailed the teacher telling her that it wasn't working properly. Got a response this morning from the teacher. She thinks the bracelets got switched somehow. So some other student/family went through the same hell we did last night as well. What ever happened to taking care of "egg babies"? That's what we did when I was in school.

I’ve started going through the site and filling in some of the info. It’s pretty tedious and some of the questions seem superfluous. For instance I entered an address for myself, my wife and all 3 of my kids. They are all the same address but it then it asked if my kids live with me. I had to answer this for each one of them. I also had to go through this 3 times: Does person X have any income? NO. So person X’s monthly income is 0. Is this correct? Yes. Person X’s yearly taxable income is 0. Click ok to continue.

QUOTE (StrangeSox @ Nov 1, 2013 -> 09:19 AM) I work for one of the largest employers in the world. Our group health plan does not depend on how much you make. I've honestly never heard of that anywhere. My previous employer did that. My wife and I worked there at the same time so we had the insurance under her name rather than mine because she made less.

The prices have been about the same for a few years now. If they'd drop back closer to what they were in 05 or 06 where the passes where included in the price of the hotel room, I might think about going again.

It can't connect Eddie Gaedel to Shaquille O'Neal.

I cut/pasted this from another board but apparently it's a fairly easy way to make over a billion (yes, with a "B") dollars in GTA V. Several people have tried it and confirmed that it works. The only trick is to save all the Lester assassination missions (except the first one) until after you have completed the main story-line missions. I was going to try it last night but I realized that since I don't have my PS3 connected to the net, I don't have access to the BAWSAQ market. So there are a couple of stocks I won't be able to cash in on.

QUOTE (greg775 @ Oct 24, 2013 -> 03:57 PM) Can somebody give me play by play? Any matchups where various managers would start to play the lefty/righty game even with workable pitch counts? That would be on you since you’re the one arguing the point.

QUOTE (greg775 @ Oct 24, 2013 -> 04:00 PM) Alfred E Newmann is 'what me worry?' See to those who again think I am despicably stupid, I even know trivia. I’ve never thought of you as stupid. Naïve is probably a better word.

QUOTE (scs787 @ Oct 24, 2013 -> 01:29 PM) This is true, perhaps once I'm forced to get health care I'll get it checked out. Just posted it on the off chance that someone here would know something. If you ever post on WSI one of the mods over there has dealt with hearing problems and surgery to correct it.

This is from a couple of years ago but it sure seems like something that should be fixed as well. Link

QUOTE (GoSox05 @ Oct 23, 2013 -> 09:25 AM) Watched Halloween 3 last night. One of most underrated horror movies of all time. Isn't that the one that had nothing to do with the rest of the Halloween movies? I have it on DVD and have seen parts of it but I always fall asleep watching it.

QUOTE (Y2HH @ Oct 21, 2013 -> 02:01 PM) I think we've all been there at some point -- but some of us learn from our mistakes, others never do. I'll get there as soon as I can catch up on all the house repairs that I neglected for years simply because I couldn't afford them.

QUOTE (Harry Chappas @ Oct 21, 2013 -> 01:16 PM) Annual wages / 2080 (52 weeks x 8 hours a day) 50,000/ 2,080 = $24/hour before taxes Yea, that's about what I got too. Unless he was figuring full-time as 32 hours a week? Four 8-hour days a week?

QUOTE (Y2HH @ Oct 21, 2013 -> 12:19 PM) ...and speaking on this thread, this is actually a very interesting subject. I know quite a few people that view me as rich, and I'm really not, but it would be impossible to convince them of that. In comparison, it may appear that way, but a lot of the reality behind it is overlooked. First, my wife is a stay at home mom, we have two kids, etc. Outside of my mortgage, I have no debt. Now, an interesting thing about Facebook, Twitter, and other such social media is it allows us to do is silently observe people. It doesn't take long for me to realize why I'm viewed as rich because I always seem to have money, while they view themselves as poor. All one needs to do is look at their timeline to see where they spend all their money ... which is eating out seemingly EVERY DAY. The last place I ate out at was Buffalo Wild Wings...29$. Meanwhile, I see picture after picture of these "poor" people at Blackhawks games, Bears games, restaurants, etc... Yes, I'm rich then. Because I don't spend more than I make. The worst part ... when your success is attributed to luck. Yes, my company pays me what they pay me because I'm lucky. That's what it is. I wish I could find the article about the family that made like 350K a year but didn’t "feel rich" because after they paid their pool boy, their cleaning lady, made the payments on their Mercedes, paid for their kids private schools and put money into their retirement accounts, they just didn’t have much money left over. :eyeroll:

QUOTE (Soxbadger @ Oct 21, 2013 -> 12:22 PM) Seems reasonable to me. 200 days of work a year, that is $250 per day, 8.5 hour work day = $29 per hour Its possible, but unlikely. 200? 5 days a week X 50 weeks a year (assuming 2 weeks of vacation) = 250 days.

QUOTE (southsider2k5 @ Oct 21, 2013 -> 10:38 AM) Without debt, a family bringing in 100K a year should feel pretty darned rich. A family of 5 can survive on about half that. Mine did for years. I make more now but I've still got a ways to go to hit 100K.