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Misc Stuff about Life. Part XII


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The difference between having an insurance and paying taxes is that the latter is based on your income so you only pay what you can afford. Insurance companies may start with a good looking bargain but then raise the costs by 10-20% every year.

I just cancelled my business health insurance because of that. The cost would have been much smaller if I had a clean health history which I don't have. I used to suffer from asthma as a kid, I'm allergic to animal dust and I've had two seizures at 30 years intervals so there's no diagnosable disease behind that. Yet another company refused to sell me their health insurance a few years ago based on those. I'd rather pay taxes than try to convince the companies that I'm as healthy as I look.

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True, and you pay insurance and taxes month in, month out; insurance goes up when you do use it, thankfully taxes don't and are linked purely to income. Insurance-based healthcare in the US is a such a racket, and the hobbled ACA doesn't yet achieve its intended goals thanks to the usual fuckery that prevented it being implemented along its original lines. Clearly a grand scheme like universal healthcare for all must be done completely and not partially. You don't get points for getting halfway to the moon.

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48 minutes ago, Prostheta said:

True, and you pay insurance and taxes month in, month out; insurance goes up when you do use it, thankfully taxes don't and are linked purely to income. Insurance-based healthcare in the US is a such a racket, and the hobbled ACA doesn't yet achieve its intended goals thanks to the usual fuckery that prevented it being implemented along its original lines. Clearly a grand scheme like universal healthcare for all must be done completely and not partially. You don't get points for getting halfway to the moon.

While I understand your view on this Carl. In my world it does not make sense from a cost standpoint to me. Yes I spent $536 for the extraction. That being said, I have not seen a dentist for at least 10 years until now, most likely more years have passed in reality. When I compute that out, it costs me about $4.46 a month over that time. A whole lot cheaper than paying taxes on something I rarely use. I have no intention of a bridge or an implant as I am at an age now that the cosmetic advantage is just not worth it to me. I can eat just fine. I am not here to pay for everyone else's health issues and I do not expect them to pay for mine. Yes it is a risk I take, but it is my risk.

Be safe everyone.

MK

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19 minutes ago, MiKro said:

it does not make sense from a cost standpoint

A customer once told me that her husband who was a well paid engineer regarded voluntary insurances as waste of money. His opinion was that the insured incidents happen so rarely that the money saved would cover the expenses should something happen. I don't know if he felt the same about having to pay taxes to cover public health care. No matter what he then got severe issues with his co-ordination, eyesight and mind. Most likely his care cost more than what he ever had been able to save. 

So while I can buy the idea of not insuring something I've been able to buy and most likely could buy a new one in case the original gets destroyed, I very happily pay taxes as a fund for potential health issues.

I have a friend whose cancer treatments have a price tag of tens of thousands each. After having paid up to the set limit he now pays a tenner or so. He's not poor, but I doubt if selling their two cars and their house would have covered his care.

I've learned to like this system but it's your country, your way of living, your choice and your risk.

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I went through an issue many years ago from an auto accident that was "covered" by Insurance. Now the accident was not my fault. Another ass hat ran a stoplight and plowed into me. Many back operations and 2 neck operations and 5 years of hell. When it was all over it the cost was over $385k of which was at least half being lost income. They did no pay.  I understand risk very well. I still choose the options I have. :)

My son lives in Canada, and has socialized medicine. When his daughter was deemed severely autistic as well as mentally almost no IQ, He still had to wait a year and countless forms and interviews to get some assistance. When his wife messed up her knee and could not walk she had to wait 6 months before they would do surgery .She lost 6 months of work then she lost her job after that. No thank you!! I prefer my stupid ass way of doing things.

 MK

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Yep. There's sad stories either way. As long as there's individuals involved there's going to be misjudging, misuse of power, mishandling etc.

The friend with his cancer has been happily surprised about how well he's been treated, another friend lost his brother because of appendicitis treated with painkillers for a week at the hospital.

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I always say that you should choose to support that which supports people, not corporations or for-profit entities. Insurance in some ways is a necessary evil (when you're a homeowner, car driver, etc) to get you through the door. Insurance companies have to return value to shareholders. If that means weaselling their way out of a claim, paying out/covering the least possible or other fuckery, they'll do it. So I really don't support the idea of health insurance, because it isn't there for your benefit. It's there to provide investor X's wife with a bigger SUV for running over-privileged know-nothing mutant children around to schools and exclusive sports meets, or a better country club membership. That's what makes the average person need socialised healthcare as a right now more than ever. Between everybody's basic health and the asshole few's pointless luxury, I know which makes the world a better place.

I don't subscribe to the whole "why I should have things other people don't" idea. It's the start of making the playing field less level. I like the compressed lifestyle here in Finland. We don't have abject poverty and homelessness, and it's hard to be super-rich. Those two things are a basic tradeoff; stopping people from falling through the cracks whilst reining in absolute predatory capitalism (for the most part) produces a safer, happier and more educated populace. I don't understand how this is the exception and not the standard model. 

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The whole thing is a gamble with insurance (if you have the choice) I just paid my vehicle rego which is $855 for the year and most of it is insurance which is mandatory. It has always been expensive due to the insurance but a couple of years ago the Licensing Dept decided to add another type of insurance on top. I think its 3rd party or personal injury

Just after I bought the vehicle the insurance ran out and I couldn't afford the full comprehensive so I just got the cheapest one and then I scraped all down the side on a brick wall which caused more damage than the vehicle is worth. Bad timing really bad timing

But I still prefer my stupid ass way of doing things!

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Bummer, man. I fear that some dumb knucklehead will put us into a situation that we can't extricate ourselves from, but otherwise we're zero accident drivers with deep cuts on our fully comp premiums. If anything happens, you know it'll be their fault. Assholes.

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It stuck in my mind about how insurance is like a gamble in some respects, @Crusader. I would say that you've hit a very strong point to be made, mostly about chance and stacking the table which is perhaps how I see insurance. I don't gamble, which may help provide some context as to my thought process here. All in all, a private for-profit entity - which all insurance companies are - must provide return value to their shareholders, and all decisions are predicated off this. Whilst us as "players" gamble with insurance, the "house" always comes out on top in the wider scheme of things. I don't feel entirely comfortable either accepting a permanent state of loss on the basis that one might superficially "win" at some point, perhaps. As such, insurance-based healthcare systems are always going to be stacked against the player. The whole thing needs dismantling at once rather than phased out, as any remnants defeat the idea of universal healthcare. I might be wrong on some level here, but that appears to be why the ACA doesn't meet its proposed remit; by not being absolutely universal and accessible. Fuckery hobbled it.

A sign with me is that if you catch me gambling, then I'm either cheating or have strategised against losing....I used to make a lot of money as a teenager forcing very specific fruit machines into tilting/streaking through a number of means. This machine was installed in a few pubs and bars (not easy to get into for the amount of time required to manipulate the machine into streaking), arcades and (trying to remember the name of these now) specific gambling-only places that were filled with fruit machines and the like. All 18+ other than the arcades. I was 14-15 so yeah. This machine was my go-to, especially in arcades. You could play on something like Ramparts, Raiden II or Super Space Invaders whilst watching other patrons load the machine, then go make it streak through a combination of secret holds/repeats and the fact you could see the coin tubes through past the reels. These machines could only hold so much before they literally HAD to dump some in a streak or mini streak. Tokens were dumped over onto a tray so were no good indicator. £15 in pound coins was enough to get these to spill their guts to the tune of £30-50 if the coin tubes were sufficiently full. Most places had more than one of these. Happier times, man.

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Nice little digression on a mis-spent (over-spent?) youth.

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7 hours ago, Prostheta said:

....I used to make a lot of money as a teenager forcing very specific fruit machines into tilting/streaking through a number of means.......

Nice little digression on a mis-spent (over-spent?) youth.

We used to use washers for coins in pinball machines, then one day they didn't work any more because somebody had it figured out and installed a mechanism that would reject them. Also. I knew a guy who would cut lead sheeting into the size of 5c pieces (until he realised he could get cash for the lead at scrap yards LOL)

Gee things were cheap in those days. I think the last time I played on a machine it cost a fist full of 20c pieces

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I forgot to mention that we played a metric ASSLOAD of pinball back then as well! Hahaha. This was back in '90-'91 just before Mortal Kombat was released, and that became a thing. The Addams Family pinball was the absolute go-to, but then again I was pretty damn good at Surf and Safari as well. Those would both have to end up in the lottery win summer school....

Surf and Safari was a proper old school type of pinball. One of the big objectives we always had was to get the ball ricocheting around with spin, then hit it with the flippers to have it jump off the play field and hit the rubber crocodile. Most of the time you smack the glass which is super scary, but I hit the crocodile ONCE. Very cool.

 

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Proper old school cabinets! The yearly fair in my hometown used to have several arcades carrying older games around a few yrs previous, so at the back end of the 80s you could play Galaxian instead of newer things like Outrun. Good Times man.

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This is also my youth. One of the greatest things about growing up in this time is you got to see the peak of the analog days and the complete transition into the digital world. I've still got one foot firmly planted onto each side - a power user of both.

@Prostheta I'm similar in manipulating the system to my benefit, but rather than the machines, I gravitated to poker where you can use that skill against humans. Same concept though - watch them build up their chips and then through some secret maneuvers, get them to spill their chips out for you to take. I get great sadistic enjoyment out of that.

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Still, it's gambling to me....there's a degree of risk which I mentally need to factor out the exposure from. Some take pleasure from the risk and reward, I like setting up mechanism and machines, then watching them run like clockwork. Equally, I loved hacking when I was a kid. I managed to subvert the school, college and university networks on many levels and created network instant messaging systems before they were even a thing (remember Trillium, ICQ, etc?) but oddly enough, in the Winword macro language, a BBC BASIC emulator and a few other programmable/automatable methods which were within the network's "safe" zone. I also coded a clone of Pacman in the BBC BASIC emulator which is crazy layering. MS-DOS > Windows 3.1 > BBC BASIC > PacMan. Man, those were fun days when ingenuity was rewarded or at least not punished as strongly....!

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Greetings from Opatija, Croatia. I decided to quit my job and change companies in hope I find people with better work ethics. Few months ago I couldn't imagine quitting cause I love the folks I work with, but since we work remote, they behave so irresponsible and slack most of the day and then work long hours... I couldn't deal with being most of the day at home behind my laptop anymore.

Now I'm using all the vacation days I have left since summer. Decided to drive out to the coast and see if summer is still lingering around. No tourist, no people on the beaches, bars closed etc... 19 degrees Celsius in the sun, 18 degrees Celsius water temperature... you can bet I took a swim :D

I have 2 more weeks of vacation, I think I'll stay here 5-6 more days to reset, and then go back to my hometown and start the bamboo build. Sorry for hijacking the thread a little, hope all of you managed to keep your sanity during these times and what looks to be another round of lockdowns. I'll take another lap in the sea, and drink a cold one for all of you. Catchya in the build area soon enough :) 

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I get brilliant ideas in the middle of the night too.

Or at least I assume I do. I never remember any of them, so I can't prove myself wrong.

So with no evidence to the contrary, I will will go with the premise of having great ideas in the middle of the night..

:killinme

SR

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