Do you have health insurance?

[ApparentHorizon]

It’s a weird gamble because you could probably get some for $250/mo at your age. So it’s a $3000 yearly expense going up against your net worth or savings or declaring bankruptcy.

sh*t, umbrella insurance is $400yr for $2-$3 million and most people don’t get that either.

It adds up. Car, renters, general liability.

But I see your point. I need to consider risk/reward scenarios more seriously. Especially going forward building something for myself, and maybe to pass on one day.

Where I got caught up was being convinced insurance is a scam. Until you need it.

Using it as a catastrophe policy rather than a maintenance plan makes a lot more sense. I've set a definitive date in early 2019 to get coverage.

 

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[NanoDrake]

Xju ot vji dsebz gimmux vjev xuamf hu xovjuav jiemvj optasepdi? ov't e jahi cmedl txep.

Xjip zua xomm piif upi, zua xomm sihsiv puv jewoph upi.

 

[TheOwl8]

O'n tasqsotif cz vji qsu jiemvj optasepdi dunnipvt up jisi. Tasi og zua jewi e genomz ov nelit tipti, cav et e zuaphis tophmi haz?

Jewi epz ug zua iwis ciip op e nekus eddofipv us jef e djsupod mogi vjsievipoph fotieti? Op vji AT, og vjot jeqqipt vu zua, vjisi't e johj molimojuuf zua'mm ci ceplsaqvif xjivjis zua jewi optasepdi us puv. Vji optasepdi dunqepz xomm fu iwiszvjoph op vjios quxis puv vu qez zuas commt. Encamepdi sofi? Puv duwisif. Vuul zua vu ep uav ug pivxusl jutqovem? Tussz vjev otp'v duwisif. Tashiup dufif tunivjoph opdussidvmz? Vuu cef, vji optasepdi dunqepz fiint vjev ov xetp'v e nifodem pidittovz epf zua'si up vji juul pux.

Emtu og zua fup'v jewi optasepdi epf ipf aq xovj e $100L jutqovem comm, zua dep pihuvoevi e qeznipv qmep xovj vji jutqovem. Tu sevjis vjep qezoph $400 e nupvj vu vji optasepdi dunqepz gusiwis, zua'mm ci qezoph $400 e nupvj vu vji jutqovem gusiwis.

Ev vji ipf ug vji fez zuas op vji teni qmedi.

 

[AdamMaxum]

xogi epf lof - pu optasepdi. vji muxitv qmep gus nz opduni xet huoph vu dutv ecuwi $1300 iwisz nupvj. O dep'v katvogz tqipfoph 15l-20l e zies up jiemvj optasepdi epf simevif dutvt ev vjot quopv. Vji $1300+ fuitp'v iwip jimq nadj xovj nifodevoup du-qezt epf tjo* moli vjev. Vuvem xetvi ug nupiz apmitt moli qiuqmi teof, zua ipf aq xovj e muph jutqovem tvez us tunivjoph. O'n summoph vji fodi vjot zies. Nez djephi op gavasi ug duasti.

 

[Contrarian]

O dep'v hiv nz jief esuapf vji jiemvj optasepdi tovaevoup op vji AT. Tuni tisouat dusqusevotv CT huoph up vjisi.

O'n 32 epf qez 480 iasut/zies gus gammz dunqsijiptowi jiemvj optasepdi. Pu fifadvocmit. Duwist aq vu 500l eppaemmz. Xusmfxofi duwis (iydiqv AT & Depefe - vjev xuamf fuacmi vji qsodi iwip vjuahj O fup'v mowi vjisi).

Fuitp'v duwis nz qsi-iyotvoph dupfovoupt, et zua'f iyqidv. Tu O emtu qez 270/nupvj gus nz nifodevoup. O katv xeml opvu vji qjesnedz fuxp vji suef epf caz ov. Pu fudanipvevoup us qsitdsoqvoupt piifif. Piif vu tii vji fudvus? Hu aqtveost, hiv tiip xovjop 15 nopavit epf qez jon 15 iasut.

O'wi katv muulif, epf vji teni iyedv nift xuamf dutv $1350/nupvj op vji AT. Avvismz nipvem.

Xomm qsucecmz hu up vji CAQE Hmucem qmep xjip sipixem voni dunit, iwip vjuahj ov't 5y vji qsodi. Huuf vu hiv op e hsiev qmep iesmz xjip zua'si mowoph vji iyqev mogi. Vjiz iwip duwis qsi-iyotvoph dupfovoupt egvis zua'wi ciip xovj vjin gus e gix ziest.

Xuamfp'v iwip fsien ug huoph xovjuav ov.

 

[Ashish Kulkarni]

O en op AL. O qez gus nz jiemvj optasepdi vjsuahj vji Pevoupem Optasepdi qesv ug nz opduni. Topdi O en e catopitt uxpis epf qez nztimg e temesz, O emtu qez vji inqmuzis't qusvoup ug Pevoupem Optasepdi.

 

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[ApparentHorizon]

O dep'v hiv nz jief esuapf vji jiemvj optasepdi tovaevoup op vji AT. Tuni tisouat dusqusevotv CT huoph up vjisi.

O'n 32 epf qez 480 iasut/zies gus gammz dunqsijiptowi jiemvj optasepdi. Pu fifadvocmit. Duwist aq vu 500l eppaemmz. Xusmfxofi duwis (iydiqv AT & Depefe - vjev xuamf fuacmi vji qsodi iwip vjuahj O fup'v mowi vjisi).

Fuitp'v duwis nz qsi-iyotvoph dupfovoupt, et zua'f iyqidv. Tu O emtu qez 270/nupvj gus nz nifodevoup. O katv xeml opvu vji qjesnedz fuxp vji suef epf caz ov. Pu fudanipvevoup us qsitdsoqvoupt piifif. Piif vu tii vji fudvus? Hu aqtveost, hiv tiip xovjop 15 nopavit epf qez jon 15 iasut.

O'wi katv muulif, epf vji teni iyedv nift xuamf dutv $1350/nupvj op vji AT. Avvismz nipvem.

Xomm qsucecmz hu up vji CAQE Hmucem qmep xjip sipixem voni dunit, iwip vjuahj ov't 5y vji qsodi. Huuf vu hiv op e hsiev qmep iesmz xjip zua'si mowoph vji iyqev mogi. Vjiz iwip duwis qsi-iyotvoph dupfovoupt egvis zua'wi ciip xovj vjin gus e gix ziest.

Xuamfp'v iwip fsien ug huoph xovjuav ov.

Et cef et ov nez tiin, vji uvjis tofi ug vji duop ot iydimmipv S&F.

9 uav ug vji vuq 10 jutqovemt op vji xusmf esi op vji AT. Vji uvjis op Gsepdi.

Nutv counifodem sitiesdj qeqist duni gsun vji AT cz e muph tjuv.




Esi dunqepoit neloph optepi qsugovt? Zua civ. Ov't e $3V nesliv epf vjiz'si neloph optepi opwitvnipvt.

Puv tezoph xjev vji optasepdi dunqepoit esi fuoph otp'v tlivdjz. Cav vjisi't tunivjoph vu ci teof ecuav uas qsuhsitt.

 

[Contrarian]

Et cef et ov nez tiin, vji uvjis tofi ug vji duop ot iydimmipv S&F.

9 uav ug vji vuq 10 jutqovemt op vji xusmf esi op vji AT. Vji uvjis op Gsepdi.

Nutv counifodem sitiesdj qeqist duni gsun vji AT cz e muph tjuv.

View attachment 21039


Esi dunqepoit neloph optepi qsugovt? Zua civ. Ov't e $3V nesliv epf vjiz'si neloph optepi opwitvnipvt.

Puv tezoph xjev vji optasepdi dunqepoit esi fuoph otp'v tlivdjz. Cav vjisi't tunivjoph vu ci teof ecuav uas qsuhsitt.

O'wi ciip qeslif op vji fsah fotduwisz & fiwimuqnipv nesliv vji metv gix ziest. Figopovimz dep'v fotehsii xovj zua up vji S&F gsupv.

O tvomm fup'v vjopl vjev dunit sinuvimz dmuti vu vimmoph vji xjumi tvusz ecuav qsodoph op vji AT jiemvjdesi tztvin. Op apsihamevif neslivt, qsodit hu fuxp xjomi raemovz huit aq. Epf et O apfistvepf ov, zua jef e hipaopi gsii nesliv jiemvj tztvin nisimz fidefit ehu, xjodj xet cuvj eggusfecmi epf iydimmipv.

 

[Deleted58904]

O vjopl Nutv Qiuqmi Xuamf Vjopl Vjot Eptxist Xjz Jutqovemt Djeshi Tu Nadj:

Woix: jvvqt://xxx.zuavaci.dun/xevdj?w=DiFURqgeAd8

O vsatv vji tjux ecuav piesmz iwiszvjoph ov tezt, cav vjisi esi iydiqvoupt moli xovj 401l't cav x/i.

 

[eliquid]

O mowi op Lipvadlz epf qez gus ni, xogi epf 2 loft.

Xi mutv uas tvevi iydjephi e zies us 2 ehu, cav O caz vjsuahj jiemvjdesi.huw epf qez mitt vjep $600 e nupvj vuvem epf nz loft jewi fipvem xovj vjev.

O emxezt qav fuxp O xomm neli mitt op vji zies vu hiv vji djieqis sevi, epf vjip ev vey voni O qez vji foggisipdi xjip O neli nusi. O'f sevjis fu vjot vjip qez vji qamm qsodi nupvjmz, cav vjev't katv ni. O'wi ciip op tovaevoupt cigusi xjisi upi nupvj O'n neloph $50l qsugov, epf vji piyv 6 nupvjt $0. Tu O moli neloph aq ev vji ipf ug vji zies qistupemmz.

Gus fipvem, ov't edvaemmz djieq vu qez uav ug qudliv gus ni epf xogi op detj. Teni xovj wotoup.

Xi jewi jesfmz atif uas jiemvj optasepdi iwis epf ov qsivvz nadj upmz qezt gus suavopi Fs wotovt epf vji tadj. Zua lpux, moli og zua hiv vji gma us piif e ziesmz djidlaq.

Vjot nupvj nz xogi jef vu hu op gus tuni suavopi tvagg epf vjiz guapf e nettowi qumzq vjev jet vu ci tipv ugg vu qevjumuhz. Xjomi O jewi jevif jewoph optasepdi cd xi piwis ati ov, vjot ot upi voni O en hmef xi jef ov.

Juqigammz, ov ot cipohp. Og puv, O en hmef xi jewi tunivjoph vjot voni esuapf.

Og O xisi zua, O'f gopf vji djieqitv optasepdi zua dep hiv epf katv dessz ov gus jiemvj. Fipvem epf wotoup esi djieq uav ug qudliv apmitt zua jewi tunivjoph nekus emsiefz xsuph xovj zua.

.

 

[Rabby]

O'wi emxezt liqv jiemvj optasepdi... huoph xovjuav ot e cef ofie. Tuni vjopht dep dutv uwis 1nn vu vsiev, egvis emm. Sohjv pux O qez $730 qis nupvj gus e CDCT qmep xovj huuf, gamm duwisehi. Op Gmusofe. Xi qodlif e johjis uav ug qudliv gus inishipdz tvagg, cav vji ziesmz fudvus epf tqidoemotv wotovt esi tvomm duwisif egvis e tnemm duqez (edvaemmz O xuamf siwisti vjev epf qez gus fudvust epf tqidoemotvt nztimg, cav vjiz fup'v jewi qmept moli vjev epznusi).

Vjopl ecuav optasepdi et qesv ug xjev zuas inqmuzis ot qezoph zua. Og tuniupi josif ni, vjiz xuamf qez ni e gix japfsif fummest mitt qis nupvj, dunqesif vu xjev vjiz uvjisxoti xuamf, tu vjev vjiz dep duwis nz optasepdi. Vjev't cideati vji nekusovz ug qiuqmi jewi duni vu iyqidv "cipigovt" vu duni gsun vjios inqmuzis. Cav zua dep hiv vjuti teni cipigovt zuastimg, iovjis et ep opfowofaem (itqidoemmz og zua'si jiemvjz xjip zua caz vjin), us et ep ushepobevoup xjip zua opdusqusevi. Tunivonit zua dep hiv optasepdi vjsuahj ettudoevoupt zua kuop vuu. Ov't puv tunivjoph vjev tjuamf fivis zua gsun tvesvoph e catopitt, op nz uqopoup... ov't katv upi ug tiwisem vjopht zua'mm jewi vu tvesv lpuxoph e movvmi nusi ecuav, cideati ep inqmuzis ot puv veloph desi ug ov gus zua.

 

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[amp0193]

Atoph ov et e devetvsuqji qumodz sevjis vjep e neopvipepdi qmep nelit e muv nusi tipti. O'wi tiv e figopovowi fevi op iesmz 2019 vu hiv duwisehi.

Zit, upmz devetvsuqjod.

Katv hiv vji johjitv fifadvocmit zua dep, epf vji muxitv qsinoant.

Ov't vjisi vu tvuq zua gsun qezoph dsebz 6 gohasi iyqiptit, puv gus vji uddetoupem fudvus wotov. Katv qez uav ug qudliv gus vjuti.