If you successfully purge all pirated MP3s, even the accusation that a remaining file isn't legit will cost a lot of money. Would you rather pay your attorney $20k to defend the lawsuit or settle out of court for $10k? Or just continue carrying music around on a thumb drive? This service does not seem worth the hassle.
Lets say you save $100/month by taking a lower coinsurance (whatever they call it) and invest it at 12% for 20 years, that's $100,000. IF you have to spend it, it's money you would have lost anyways. Either you keep it or the insurance executives keep it.
If you're not comfortable with that scenario then buy a more comprehensive plan. It's your choice. For now.
Personally, a low coinsurance scares me, but I'd prefer a super high deductible.
3. Keep the lower coverage and put the difference into a mutual fund. Over time, you'll have a lot more than $28k sitting there for when you need it.
You can make these decisions for yourself under our current system. People really should buy catastrophic illness insurance and invest the difference. Out of pocket routine care is cheap. Zero deductible is not.
Anybody who thinks health care will cost less after the federal government gets a hold on it hasn't looked much at everything else the federal government already has a hold of.
11 years ago, 23 credit hours per semester, 40+ hours per week driving wreckers at night. My wife was on the streets at 17 and waited tables at a buffet to put herself through a masters degree program. We both paid our own health insurance. It's hard work.
Companies are required to provide workers comp.
He didn't have insurance, but couldn't he come up with $200 for the doc-in-a-box? I'll bet he's carrying around an iPhone and has a flat screen TV at home.
1 mile is too far to walk? There's no hope for this guy.
And if he's really that broke, the hospital will charge off the debt and he won't pay it anyways.
Before health costs skyrocketed, people went to the doctors office for a broken arm or stitches. Now they go to the ER.
Even now, a visit to a doctors office for illness or preventative care is only around $150, or about the same as taking your cat to the vet or car to the mechanic. The prescription antibiotics cash cost is probably less than the insurance copay.
Fluoride treatment at the dentist costs $35 and most people skip it because it's not covered by their policy. I'm really surprised people don't expect their car insurance to pay for oil changes.
How is $109/month being ripped off? The Kaiser plan I bought in college is now $134/month, which is about $20 more a month than it cost me 15 years ago.
I stopped reading here and skipped to the last paragraph, as it's clear you don't live in the real world.
You should have at least finished reading the sentence.
A policy for a 20 year old is less than $100/month. I paid my own way through college driving tow trucks and paid for my own health insurance. I have ZERO SYMPATHY for any college kid who doesn't have insurance. Give up the iPod and the frat parties and accept some responsibility.
There's another option you're missing.
8) Make enough money to buy an individual insurance plan on your own. It's extremely expensive, and will probably be a big portion of your income unless you're pretty well-off, but people do it.
40 year old male, Kaiser - $8k deductible - 80% coverage afterwards = $148/month. It goes up to $400/month for no deductible, but a doctor visit is only about $150 out of pocket, so I don't see why people buy cadillac plans unless they're very frequently sick.
1. When you're young, be on your parents policy or buy your own. It costs the same as an iPod. A young person without health insurance is making poor decisions.
2. When you're older, have a career. An older person without health insurance is making poor decisions.
3. When you're old, the government already provides.
Worst case, there are free clinics (there's one in my town open every Wednesday) and a hospital can't turn anyone away.
This whole article is a troll. Everyone I know has health care they're happy with and none of them want the federal government interfering with it.
My dentist is a beekeeper and sells honey at his office. He says that honey is naturally anti-bacterial and doesn't cause tooth decay because it's the acid generated by bacteria that damages tooth enamel.
If you want to see something bizarre, look up "dermoid cyst". It's a benign growth that can appear on a woman's ovaries that can contain any kind of body tissue including skin, hair, cartilage, bone, and fully formed teeth. Some women find out they have one because molars show up on an abdominal x-ray.
Umm, how are the official emails she used to conduct business as the governor not important? And how is that even remotely comparable to someone's birth certificate?
Are you from Alaska? Would you consider voting for Palin if she ended up on another national ticket? If you answer "No" to both of those questions, then please explain why you would have the slightest interest in her emails?
As for comparing it to Obama's birth certificate, the point is how absurd both of these issues are. The vast right wing conspiracy was harassing Obama for the birth certificate. Left wingers are doing the same with Palin's emails (or anything else they can come up with).
During her last year as house majority leader, Pelosi sent $2 million of taxpayer money on food and booze for her government provided personal jet. I heard that on the radio yesterday. And nobody gets to read her emails.
She was being hounded by ethics complaints after being named as Mccain's running mate. These complaints can be initiated by anybody, she had to pay for her defense personally, and state law prohibited the government from picking up the tab even if she won. So she couldn't afford to stay in office, probably thanks to the same people who want to read all her emails.
Anybody who has ever had a mail account on a government system knows that all email is archived specifically to comply with the FOIA. It's not like some savvy whistleblower stumbled across Palin's personal emails.
Let's try an experiment:
BUSH IS EVIL!
Now the lemming liberal moderators will blow a fuse trying to figure out which way to mod this.
It got to the point at one job were we were considering multiple desktop machines due to the need for conflicting java runtimes.
I have to call BS on that. Java VMs don't even need to be "installed". Even in the case that an application is tied to a specific run time version (and I blame the developer for that), you can distribute the VM with the app, dump it onto the filesystem, and run it. If you're talking about loading over the web, with Java Web Start you can specify the exact VM you want in the manifest.
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If you successfully purge all pirated MP3s, even the accusation that a remaining file isn't legit will cost a lot of money. Would you rather pay your attorney $20k to defend the lawsuit or settle out of court for $10k? Or just continue carrying music around on a thumb drive? This service does not seem worth the hassle.
Lets say you save $100/month by taking a lower coinsurance (whatever they call it) and invest it at 12% for 20 years, that's $100,000. IF you have to spend it, it's money you would have lost anyways. Either you keep it or the insurance executives keep it.
If you're not comfortable with that scenario then buy a more comprehensive plan. It's your choice. For now.
Personally, a low coinsurance scares me, but I'd prefer a super high deductible.
Your choices:
1. Take the risk.
2. Buy the more comprehensive policy.
3. Keep the lower coverage and put the difference into a mutual fund. Over time, you'll have a lot more than $28k sitting there for when you need it.
You can make these decisions for yourself under our current system. People really should buy catastrophic illness insurance and invest the difference. Out of pocket routine care is cheap. Zero deductible is not.
Anybody who thinks health care will cost less after the federal government gets a hold on it hasn't looked much at everything else the federal government already has a hold of.
Why don't you have insurance?
(Just curious.)
11 years ago, 23 credit hours per semester, 40+ hours per week driving wreckers at night. My wife was on the streets at 17 and waited tables at a buffet to put herself through a masters degree program. We both paid our own health insurance. It's hard work.
I call B.S. on that story.
Companies are required to provide workers comp.
He didn't have insurance, but couldn't he come up with $200 for the doc-in-a-box? I'll bet he's carrying around an iPhone and has a flat screen TV at home.
1 mile is too far to walk? There's no hope for this guy.
And if he's really that broke, the hospital will charge off the debt and he won't pay it anyways.
Lol. I meant iPhone. They all look the same to me.
Ding, we have a winner.
Before health costs skyrocketed, people went to the doctors office for a broken arm or stitches. Now they go to the ER.
Even now, a visit to a doctors office for illness or preventative care is only around $150, or about the same as taking your cat to the vet or car to the mechanic. The prescription antibiotics cash cost is probably less than the insurance copay.
Fluoride treatment at the dentist costs $35 and most people skip it because it's not covered by their policy. I'm really surprised people don't expect their car insurance to pay for oil changes.
Do you have health insurance?
How is $109/month being ripped off? The Kaiser plan I bought in college is now $134/month, which is about $20 more a month than it cost me 15 years ago.
It costs the same as an iPod.
Do you buy an iPod every month?
A voice and data plan for a iPod/Droid/Whatever costs the same as health insurance for an early-20-something. Every month.
I stopped reading here and skipped to the last paragraph, as it's clear you don't live in the real world.
You should have at least finished reading the sentence.
A policy for a 20 year old is less than $100/month. I paid my own way through college driving tow trucks and paid for my own health insurance. I have ZERO SYMPATHY for any college kid who doesn't have insurance. Give up the iPod and the frat parties and accept some responsibility.
Do you honestly believe that only 5% of the U.S. population has health care?
Do you have health care?
There's another option you're missing. 8) Make enough money to buy an individual insurance plan on your own. It's extremely expensive, and will probably be a big portion of your income unless you're pretty well-off, but people do it.
40 year old male, Kaiser - $8k deductible - 80% coverage afterwards = $148/month. It goes up to $400/month for no deductible, but a doctor visit is only about $150 out of pocket, so I don't see why people buy cadillac plans unless they're very frequently sick.
Anyways, it's not that expensive.
Let me simplify.
It's really not that hard.
1. When you're young, be on your parents policy or buy your own. It costs the same as an iPod. A young person without health insurance is making poor decisions.
2. When you're older, have a career. An older person without health insurance is making poor decisions.
3. When you're old, the government already provides.
Worst case, there are free clinics (there's one in my town open every Wednesday) and a hospital can't turn anyone away.
This whole article is a troll. Everyone I know has health care they're happy with and none of them want the federal government interfering with it.
My dentist is a beekeeper and sells honey at his office. He says that honey is naturally anti-bacterial and doesn't cause tooth decay because it's the acid generated by bacteria that damages tooth enamel.
If you want to see something bizarre, look up "dermoid cyst". It's a benign growth that can appear on a woman's ovaries that can contain any kind of body tissue including skin, hair, cartilage, bone, and fully formed teeth. Some women find out they have one because molars show up on an abdominal x-ray.
Umm, how are the official emails she used to conduct business as the governor not important? And how is that even remotely comparable to someone's birth certificate?
Are you from Alaska? Would you consider voting for Palin if she ended up on another national ticket? If you answer "No" to both of those questions, then please explain why you would have the slightest interest in her emails?
As for comparing it to Obama's birth certificate, the point is how absurd both of these issues are. The vast right wing conspiracy was harassing Obama for the birth certificate. Left wingers are doing the same with Palin's emails (or anything else they can come up with).
During her last year as house majority leader, Pelosi sent $2 million of taxpayer money on food and booze for her government provided personal jet. I heard that on the radio yesterday. And nobody gets to read her emails.
You mean the job she quit halfway?
She was being hounded by ethics complaints after being named as Mccain's running mate. These complaints can be initiated by anybody, she had to pay for her defense personally, and state law prohibited the government from picking up the tab even if she won. So she couldn't afford to stay in office, probably thanks to the same people who want to read all her emails.
Sounds like a certain long form birth certificate. And equally unimportant.
Only Score:0 Troll? Can't we go for -1?
This whole article is a troll.
Anybody who has ever had a mail account on a government system knows that all email is archived specifically to comply with the FOIA. It's not like some savvy whistleblower stumbled across Palin's personal emails.
Let's try an experiment:
BUSH IS EVIL!
Now the lemming liberal moderators will blow a fuse trying to figure out which way to mod this.
It's public information. You can FOIA Jerry Brown's email. Are we uncovering a scandal here or are some libtards trying to be funny?
actually according to Honda Insight gets just 43MPG on highway. what is the secret to get your Insight to 70MPG?
Part of the fun of owning a Hybrid is inflating the actual mileage numbers. And clogging commuter lanes.
Top Gear UK figured out that a BMW M3 gets better mileage than a Prius (on a racetrack).
It got to the point at one job were we were considering multiple desktop machines due to the need for conflicting java runtimes.
I have to call BS on that. Java VMs don't even need to be "installed". Even in the case that an application is tied to a specific run time version (and I blame the developer for that), you can distribute the VM with the app, dump it onto the filesystem, and run it. If you're talking about loading over the web, with Java Web Start you can specify the exact VM you want in the manifest.