I spoke to a representative from Aetna the other day, as they are my new health care provider. I am pleased to say this is probably the best care I have ever received and they have the best to use and follow website.
I think it is interesting to note that this is what the rep had to say about pre-existing conditions (paraphrasing): "We check new members for prior health coverage to make sure that if they have any pre-existing conditions that they will be covered, otherwise they will have to wait a year to be covered for that condition."
He went on to say that this is to prevent people from playing the system. I actually agree with this, it is not fair for people to play the system. However, you know what is a novel idea that eliminates the need for this kind of treatment? A UNIVERSAL HEALTH COVERAGE INITIATIVE. Health care providers won't give two shits if everyone is paying in. If everyone pays in, then everyone is covered which means that no one is left hanging in the wind when they need to have an unexpected illness treated.
Why is this so goddamn difficuilt to grasp?
However, the one thing that concerns me plenty is the fact that since these are private companies, they should not be allowed to dictate the rates and neither should doctors. If everyone is paying in; then the cost of healthcare should drop significantly. The cost of treatment should also drop significantly.
I have seen my doctor visit bills, doctors are charging stupid amounts for a mere consult. I think 300 dollars for talking to the doctor is highway robbery.
Hospitals are the next target on the list, they charge 80 dollars for a single tablet of fucking tylenole! Tell me how that makes any goddamn sense?
Either way, something has got to give. This country needs this social program whether we want to do it or not. It would replace medicaid for seniors and not much else would change. These private insurance companies would at one point need to be controlled by the government or at least stringent regulation would be required.
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Friday, May 25, 2012
Tuesday, May 22, 2012
Slightly More Clarity
I have recently executed a bunch of large decisions that I am proud of that are going to help me immensely in the following year.
I sold my car and leased a new one. This was a brilliant move because even though I have a new monthly bill on my shoulders, I am getting back about $8,500 for my old car in a private sale while the getting is good as they say.
I have saved enough money to pay the rest of my wedding's venue and I shouldn't feel much of a hit because of the car sale.
After some investigations, I found that student loan companies do not like to recalculate your monthly bill. Therefore you are much better off paying down your student debt chunks at a time, while paying the monthly bill.
Next year I will start my aggressive payoff by paying down my federal loans first in 5K chunks, and then I will pay off my private loan in 5K chunks. I approximately have 6 - 5K chunks to pay off and I will be free of my debt monsters.
I will then take the money I was paying towards my student debt and start saving that aggressively.
I will figure out my retirement options next year. And possibly enroll in a plan.
My main goal is to save up 250,000 dollars of cushion money so I can be some what shielded from any forseeable layoffs.
I sold my car and leased a new one. This was a brilliant move because even though I have a new monthly bill on my shoulders, I am getting back about $8,500 for my old car in a private sale while the getting is good as they say.
I have saved enough money to pay the rest of my wedding's venue and I shouldn't feel much of a hit because of the car sale.
After some investigations, I found that student loan companies do not like to recalculate your monthly bill. Therefore you are much better off paying down your student debt chunks at a time, while paying the monthly bill.
Next year I will start my aggressive payoff by paying down my federal loans first in 5K chunks, and then I will pay off my private loan in 5K chunks. I approximately have 6 - 5K chunks to pay off and I will be free of my debt monsters.
I will then take the money I was paying towards my student debt and start saving that aggressively.
I will figure out my retirement options next year. And possibly enroll in a plan.
My main goal is to save up 250,000 dollars of cushion money so I can be some what shielded from any forseeable layoffs.
Wednesday, May 16, 2012
Hardware vs. Software
I love working with hardware, but goddamnit, it is costly and more time consuming than software. They pretty much mutually exclusive things, but I can say that from purely a creators stand point, instant gratification with software is a plus. You can test your software without worrying if your computer will explode (aside from the occasional BSOD). You can rip parts of your program out, put it back together, make copies, etc...
Hardware... you need to be in fear of the smoke test or worse, the unexpected catch on fire and explode test. That is something I am not ever looking forward to for a few reasons:
A. It is dangerous, you can get hurt or seriously injured
B. It is goddamn expensive, because when you burn out a part you have that "Awww fuck" moment because chances are you don't have a replacement and sometimes the part cost like 50+ dollars.
C. When you wire things incorrectly either you are lucky it doesn't destroy itself and you can just rewire it; or you just fucked it all up by burning it all out or rewiring it will screw something up to the point of unusability. For example: cutting wires too short, burning components because of too much heat exposure during sodder jobs or making holes too big.
I am in the process of building an isolation transformer out of spare parts. I am afraid to blow a circuit while doing it, but I don't have a lot of options. Hardware is fun in the show off sense though, as in: look at what I built. Oh wow that's cool. Or hello world look at what I did - on youtube.
Hardware... you need to be in fear of the smoke test or worse, the unexpected catch on fire and explode test. That is something I am not ever looking forward to for a few reasons:
A. It is dangerous, you can get hurt or seriously injured
B. It is goddamn expensive, because when you burn out a part you have that "Awww fuck" moment because chances are you don't have a replacement and sometimes the part cost like 50+ dollars.
C. When you wire things incorrectly either you are lucky it doesn't destroy itself and you can just rewire it; or you just fucked it all up by burning it all out or rewiring it will screw something up to the point of unusability. For example: cutting wires too short, burning components because of too much heat exposure during sodder jobs or making holes too big.
I am in the process of building an isolation transformer out of spare parts. I am afraid to blow a circuit while doing it, but I don't have a lot of options. Hardware is fun in the show off sense though, as in: look at what I built. Oh wow that's cool. Or hello world look at what I did - on youtube.
Tuesday, May 15, 2012
Different Ways to Make Money
I have been researching different ways to make money and I am not surprised to say that there really aren't that many simple ways to do it. There just aren't. It always comes down to time and unfortunately that isn't something I have tons of especially if I am trying to relax and do recreational things at the same time.
I have been looking into recycling computers for gold, but it is dangerous. A lot of chemical processes need to take place and I am not up to the challenge. It is very meticulous work too. A lot of bits and pieces, dismantling a lot of shit. Doesn't really seem worth the time. Collecting the parts and selling them to scrappers is sometimes worth it if you can find buyers.
Scrap metal specifically copper and aluminium are worth while. Collecting cables stripped or unstripped are great. I am working on my collection. I like getting old pcs from people and stripping the parts. Another thing, which surprised the hell out of me are lead acid batteries. There are scrap yards that actually want old lead acid batteries such as ups and car batteries.
Aside from selling stuff, I can't seem to find much else to do. I have been tring google adsense, but haven't been getting a lot of traffic. This site especially gets traffic, but I don't expect to generate revenue since I just do a lot of complaining. I know this, but meh.
I have been looking into recycling computers for gold, but it is dangerous. A lot of chemical processes need to take place and I am not up to the challenge. It is very meticulous work too. A lot of bits and pieces, dismantling a lot of shit. Doesn't really seem worth the time. Collecting the parts and selling them to scrappers is sometimes worth it if you can find buyers.
Scrap metal specifically copper and aluminium are worth while. Collecting cables stripped or unstripped are great. I am working on my collection. I like getting old pcs from people and stripping the parts. Another thing, which surprised the hell out of me are lead acid batteries. There are scrap yards that actually want old lead acid batteries such as ups and car batteries.
Aside from selling stuff, I can't seem to find much else to do. I have been tring google adsense, but haven't been getting a lot of traffic. This site especially gets traffic, but I don't expect to generate revenue since I just do a lot of complaining. I know this, but meh.
Saturday, May 12, 2012
hopes
Just a blurb about some stuff I am hoping for. I hope my car sells so I can get the money and pay down my wedding expenses that are slowly rising. I am not nervous anymore about the expense, but it is still a lot of money to be putting down for a single day. I still think it is a waste and not worth it, but it isn't up to me. I really wish I could put this money toward my student loan where it belongs.
Hopes and Wishes... sigh...
Hopes and Wishes... sigh...
Friday, May 11, 2012
Drive
I recently got the drive to jump back on to some projects I laid away for a while. I submitted an article to code project finally and it was accepted. This made me happy. I am going to do some rather stupid and pointless projects because they are fun. I want to build a leave me alone box, singing floppy drives and hard drive speakers.
These are little projects to get me back into the mood of working with electronics and microcontrollers again. I have been spoiled by software. Software is instant gratification, hardware is a lot of hard work with horrible consequences when things go wrong. You tend to spend more money on hardware and risk damaging it when you are experimenting.
These are little projects to get me back into the mood of working with electronics and microcontrollers again. I have been spoiled by software. Software is instant gratification, hardware is a lot of hard work with horrible consequences when things go wrong. You tend to spend more money on hardware and risk damaging it when you are experimenting.
Thursday, May 10, 2012
Steam
I used to not care for steam, but now, it has been years since it has been created and I fucking love it. Steam is a genius system for keeping your games up to date and for allowing you to keep track of what you own. I love it because there is stuff I own already, that I have owned for years and they were all on disc. Eventually when steam rolled out I didn't want to deal with it, but soon I saw the benefit of downloading steam and having access to all my games anywhere.
Very smartly designed.
I like how it uses a source control approach to make sure that games are up to date and files that may have been corrupted or are missing are replaced. This was a very good move on their part.
That being said, two games that are a lot of fun:
Super Meat Boy
The Binding of Issac
Very smartly designed.
I like how it uses a source control approach to make sure that games are up to date and files that may have been corrupted or are missing are replaced. This was a very good move on their part.
That being said, two games that are a lot of fun:
Super Meat Boy
The Binding of Issac
Thursday, May 3, 2012
Blather
I want to be retarded rich, I would like to not care about my expenses (as much). I wouldn't spend money all willy nilly, but I certainly would not feel compelled to hold back. There is a video card that I want to buy, 260 dollars, beautiful piece of circuitry. Can't afford it right now because of my upcomming insurance bill. I am 500 bucks in the hole and the month just started.
I keep reminding myself that next year will definitely be better. I won't worry about expenses as much because there will be less of them. I want to pay down my 31K of student debt. As soon as I pay off one loan completely, my monthly bill will be split in half essentially. I can then viciously pay off the other loan. I am excited and impatient because I can see this being the case, I see the plan. I essentially have 1 loan at 15K and the other at 16K.
I would then have an extra 300 bucks a month of disposable income. That is 3600 dollars per year I can put away! I haven't had a chance to buy lotto tickets yet, but I will get around to it soon. I want to give it a shot.
I keep reminding myself that next year will definitely be better. I won't worry about expenses as much because there will be less of them. I want to pay down my 31K of student debt. As soon as I pay off one loan completely, my monthly bill will be split in half essentially. I can then viciously pay off the other loan. I am excited and impatient because I can see this being the case, I see the plan. I essentially have 1 loan at 15K and the other at 16K.
I would then have an extra 300 bucks a month of disposable income. That is 3600 dollars per year I can put away! I haven't had a chance to buy lotto tickets yet, but I will get around to it soon. I want to give it a shot.
Wednesday, May 2, 2012
Living Debt Monsters
I don't want to be a parent. At least not right now. I think I owe it to society to have at max two children. The reason being that I think my children would be smarter and more valuable than most of the imbiciles walking around today.
If you don't have enough money to have children, then you shouldn't have children period. It is irresponsible and stupid. Children are living and breathing embodiments of debt. They cost a lot to produce before they are born and they cost too much to take care of. They are a goddamn liability in terms of unexpected bills and just expense in general.
People with kids say that their children have changed their lives and that nothing else matters just the well being of their children. Wow... yeah that doesn't sound like something I want. I can't promise to be a good parent in terms of providing everything for my children. My kids would require money for education and private school because the goddamn school system in South Florida is horrible.
I just don't think people realize how much of a goddamn liability children really are. I say don't have any unless you are good and ready.
If you don't have enough money to have children, then you shouldn't have children period. It is irresponsible and stupid. Children are living and breathing embodiments of debt. They cost a lot to produce before they are born and they cost too much to take care of. They are a goddamn liability in terms of unexpected bills and just expense in general.
People with kids say that their children have changed their lives and that nothing else matters just the well being of their children. Wow... yeah that doesn't sound like something I want. I can't promise to be a good parent in terms of providing everything for my children. My kids would require money for education and private school because the goddamn school system in South Florida is horrible.
I just don't think people realize how much of a goddamn liability children really are. I say don't have any unless you are good and ready.
I Get It Now
So I get it now, I totally understand it after all these years. Have you ever watched a movie or heard a story of some parent's grown child or children kicking their parent or parents out of their home because it is a goddamn burden on everyone? The sad part being the parent or parents don't see that, or do and don't care. Man I used to think those kids were bad people and that they were just mean.
Yeah, I get it now. I am basically one of those kids, I guess I am a horrible person. My mother can't afford her house and I have tried lowering her bills and changing things for her so life will be easier on her. However she still can't afford her home. My father, when he was alive, is the one that made the most money, shitty 40K salary. My mother always worked, but equally as bad paying, shitty 18 to 20K per year jobs.
So when my father passed away, my mother had to deal with paying for everything. Really fucked. Still is too even when both her children left. My sister and I left, everything got cheaper for her, but not cheap enough. Her monthly budget is negative...
I didn't appreciate having to pay her 3000 a year to help. Fucked me good with my student debt. Some shit that was.
Anyhow, I told her for the good of everyone she should sell the house, buy a condo and pocket the remainder. Her weeping answer is no, "No - I don't want to live in a box. It will depress me." I get it, but again, she is negative every month. How about being positive one of these fucking months? You know some extra spending money? I also wonder how she is going to make rent...
Yeah, I get it now. I am basically one of those kids, I guess I am a horrible person. My mother can't afford her house and I have tried lowering her bills and changing things for her so life will be easier on her. However she still can't afford her home. My father, when he was alive, is the one that made the most money, shitty 40K salary. My mother always worked, but equally as bad paying, shitty 18 to 20K per year jobs.
So when my father passed away, my mother had to deal with paying for everything. Really fucked. Still is too even when both her children left. My sister and I left, everything got cheaper for her, but not cheap enough. Her monthly budget is negative...
I didn't appreciate having to pay her 3000 a year to help. Fucked me good with my student debt. Some shit that was.
Anyhow, I told her for the good of everyone she should sell the house, buy a condo and pocket the remainder. Her weeping answer is no, "No - I don't want to live in a box. It will depress me." I get it, but again, she is negative every month. How about being positive one of these fucking months? You know some extra spending money? I also wonder how she is going to make rent...
Tuesday, May 1, 2012
Movie: God Bless America
You must watch this movie. Everything is right about this movie. I fucking love this movie. When I watched the movie I knew what I was getting and I enjoyed the shit out of it.
God Bless America <-- fucking epic
Watch it for $9.99 on Amazon
I watched it on Amazon for 10 bucks because it beats paying 30 in the movie theaters.
Movie's like this are why I have my blog, I can say EXACTLY how I feel about it all. Fuck the masses, the masses are asses especially now. I am so sick of all the smeared shit that is our American public. I don't watch television anymore, I haven't watched television for about 8 years. Don't get me wrong, I watch movies and TV Shows of my choosing, but I do not watch television because of the goddamn advertisement and stupid content. Just like books are flagged in the library I think TV Shows should be flagged. Anyone who watched the Jersey Shore or Real House Wives of what ever the fuck should be flagged for being retarded.
I support the idea in this movie because I can see myself without a shadow of a doubt being Frank. I already think like that, I just don't kill anyone because of the consequences attached to it. If I could get away with it I would murder a lot of people that I think deserve to die. Pat Robertson, Sean Hannity, Rush Limbaugh aka the Pig Man, Ann "the Cunt" Coulter, The Bush Family and Bill Oriely to name a few. These are all people that should just die, we would all be better off without these mother fuckers spreading lies and rumor like a disease. Then the assholes who profiteer off of stupid people by giving us all these "Reality" TV Shows. And the dumb mother fuckers who watch them. That is sadly about 70% of the US.
Everyone should pray that I never become president. I would be a dictator and I would kill a lot of people until this country ran correctly. I would put Republicans and Evil Religious people in camps and kill all of them. I am just so goddamn sick of all the mother fucking corruption and stupidity of this country. I love my country, but goddamn it - it's not okay that our society is as stupid as it is. Our kids are stupid because of the shit they watch and the lack of education at our schools, especially in South Florida thanks to Jeb Bush and Scott Walker. Just a side note, I would kill them too. Corporations are allowed to rape our country and the people in it because our goddamn government lets them. The Democrats that are in our government are not real Democrats, they are fucking business men because they are Career Politicians. They only give a shit about getting re-elected. They listen to Lobbyists and what the Lobbyists need. Republicans are the worst obviously, they are just psychotic, but they too are not the same Republican party they used to be. They are just grotesque liars who feel nothing for anyone but themselves. I hate Republicans. HATE them. Put a fucking .45 to their fucking heads HATE them.
It's simple, if it is not good for everyone then I don't think it should be done. We need to stop hurting the people of this country and punish the evil fucks who are standing on our backs.
I swear one day I might be on a bell tower.
God Bless America <-- fucking epic
Watch it for $9.99 on Amazon
I watched it on Amazon for 10 bucks because it beats paying 30 in the movie theaters.
Movie's like this are why I have my blog, I can say EXACTLY how I feel about it all. Fuck the masses, the masses are asses especially now. I am so sick of all the smeared shit that is our American public. I don't watch television anymore, I haven't watched television for about 8 years. Don't get me wrong, I watch movies and TV Shows of my choosing, but I do not watch television because of the goddamn advertisement and stupid content. Just like books are flagged in the library I think TV Shows should be flagged. Anyone who watched the Jersey Shore or Real House Wives of what ever the fuck should be flagged for being retarded.
I support the idea in this movie because I can see myself without a shadow of a doubt being Frank. I already think like that, I just don't kill anyone because of the consequences attached to it. If I could get away with it I would murder a lot of people that I think deserve to die. Pat Robertson, Sean Hannity, Rush Limbaugh aka the Pig Man, Ann "the Cunt" Coulter, The Bush Family and Bill Oriely to name a few. These are all people that should just die, we would all be better off without these mother fuckers spreading lies and rumor like a disease. Then the assholes who profiteer off of stupid people by giving us all these "Reality" TV Shows. And the dumb mother fuckers who watch them. That is sadly about 70% of the US.
Everyone should pray that I never become president. I would be a dictator and I would kill a lot of people until this country ran correctly. I would put Republicans and Evil Religious people in camps and kill all of them. I am just so goddamn sick of all the mother fucking corruption and stupidity of this country. I love my country, but goddamn it - it's not okay that our society is as stupid as it is. Our kids are stupid because of the shit they watch and the lack of education at our schools, especially in South Florida thanks to Jeb Bush and Scott Walker. Just a side note, I would kill them too. Corporations are allowed to rape our country and the people in it because our goddamn government lets them. The Democrats that are in our government are not real Democrats, they are fucking business men because they are Career Politicians. They only give a shit about getting re-elected. They listen to Lobbyists and what the Lobbyists need. Republicans are the worst obviously, they are just psychotic, but they too are not the same Republican party they used to be. They are just grotesque liars who feel nothing for anyone but themselves. I hate Republicans. HATE them. Put a fucking .45 to their fucking heads HATE them.
It's simple, if it is not good for everyone then I don't think it should be done. We need to stop hurting the people of this country and punish the evil fucks who are standing on our backs.
I swear one day I might be on a bell tower.