Living in Kentucky

Since: Jan 09

New York, NY

#6393 Mar 12, 2009
Rockytopzz wrote:
<quoted text>True, my wife reminded me of our anniversay next month.
But I can tell you everything about your car if you give me your make, model, and how many cylinders your car has.
The typical response off a female if I ask her what size her engine is----"It's a big one".
That's the response I would give as well. I hate to admit but, my eight year old son Thomas knows more about car makes and models than I do. You know I miss the old affordable station wagons. I drive a mini-van (typical) and there isn't much room. With a station wagon, I could fit all four boys, a friend or two of theirs, hockey equipment, cooler and groceries with plenty of room left for whatever else I needed to bring with me.

Since: Jan 09

New York, NY

#6394 Mar 12, 2009
SNJ wrote:
<quoted text>
Not for the others either I suspect! And England had it's Profumo scandal many years back in time. I think her name was Christine Keeler...I wonder whether politicians are more horny than the average population....? Their brains seem to be smaller some times though...
It may be true. I thought it was funny when Bill Clinton stated he did not have sexual relations with that woman. Then he asked to define sex. However, most tax payers didn't think it was funny.

“Howdy”

Since: Dec 06

Paris, TN

#6395 Mar 13, 2009
Norskelt wrote:
<quoted text>
That's the response I would give as well. I hate to admit but, my eight year old son Thomas knows more about car makes and models than I do. You know I miss the old affordable station wagons. I drive a mini-van (typical) and there isn't much room. With a station wagon, I could fit all four boys, a friend or two of theirs, hockey equipment, cooler and groceries with plenty of room left for whatever else I needed to bring with me.
LOL, I've always liked the old station wagons. Smooth cars with v-8 engine.
My mother had one long ago. My brother and I took it out but could not pick up any chicks in it.

I'm so tired of driving my little four bangers.
But at times people want to trade with me on their gas guzzlers and I won't do it.

“Howdy”

Since: Dec 06

Paris, TN

#6396 Mar 13, 2009
Norskelt wrote:
<quoted text>
That's the response I would give as well. I hate to admit but, my eight year old son Thomas knows more about car makes and models than I do.
I read that men and women are wired differently. I can't remember people's names or birthdays but my wife is sharp on that.
I do know that I have to renew my drivers license in June on my birthday, LOL.

“Howdy”

Since: Dec 06

Paris, TN

#6397 Mar 13, 2009
Norskelt wrote:
<quoted text>
It may be true. I thought it was funny when Bill Clinton stated he did not have sexual relations with that woman. Then he asked to define sex. However, most tax payers didn't think it was funny.
If he would have told the truth right off the bat people would have forgotten about it within two weeks.
SNJ

Oslo, Norway

#6398 Mar 13, 2009
Norskelt wrote:
<quoted text>
Correct you are only guaranteed your 100k. You would have to hope the bank would not bankrupt and rather merge with a larger company. The risky thing is...banks loan your money out and invest it in different ways in this way you make interest and the bank makes profit.
Banks here don't insure any items in safety deposit boxes, mutual funds nor stocks.-which I wouldn't trust anyway...to me it's just legalized gambling. And I wouldn't have a clue as to what I was doing.
I have family in Missouri that raise cattle...there was a time when they would place profits in safety deposit boxes but, I think they went back to the old mattress way.
Your banks sound more secure than ours.
They are expected to be that - at least. But problems here these days are big enough - but evidently we're much better off than many other countriesand it is expected we shall ride off this storms nwithout too many broken masts - losing some valuable sails though, some gone already. New bank loans dried up over night more or less and many businesses have tough days because of this. Unemployment increases quickly (the worst increase here since 1948 I read)Still our unemployment rate p.t. is some 3,0 %(Yours approaching 10% I've noticed).
SNJ

Oslo, Norway

#6399 Mar 13, 2009
Norskelt wrote:
<quoted text>
I think unemployment may become worse. They are saying more businesses will be going bust in 2009. Scary.
We have a big problem with health insurance. For example...husband had an motor vehicle accident this past summer. A dumpster truck hit his truck and he injured his back. I was angry with him because he refused to go to the hospital...at the time he thought he was okay. The auto insurance company paid for damages on his truck but, he didn't want to sue for back injury because he didn't want to put this man out of buisness...husband is superstitious and believes in Karma. His doctor requested MRI for his back and health insurance company denied request and sent him to physical therapist. Physical therapist was afraid to work on him...doctor sent him to ER in this way they would perform MRI. All of this in my eyes...was a waste of health insurance money. How do you send a patient to physical therapist without a diagnosis?? Backwards and not necessary if you ask me.
We pay a lot into health insurance...are hardly ever sick...yet one incident and they deny you proper testing.
I don't know what the answer is for health insurance...it's so corrupt.
Unemployment: It is going to be much worse than now - for all of us. China has tremendous increases too. but "authorities" say they are already seeing some signs economy is picking up......
Health: You are a family of 5 as far as I think you said. If this question of mine cannot be perceived as "nosy" or "none-of-my business" kind of question: What will the family's annual costs for having a full private health insurance
policy? And will that include not only all medicines/medical treatments/hospitalization/rec reation -therapy etc - but also a lifelong compensation for possible lost ability to work or get education...i.e. disabilty and/or death (from illness and accident)???

Since: Jan 09

New York, NY

#6400 Mar 13, 2009
Rockytopzz wrote:
<quoted text>LOL, I've always liked the old station wagons. Smooth cars with v-8 engine.
My mother had one long ago. My brother and I took it out but could not pick up any chicks in it.
I'm so tired of driving my little four bangers.
But at times people want to trade with me on their gas guzzlers and I won't do it.
Girls in TN materialistic? I always preferred the guy with the old beat up truck. More character and not a girly girl.
We had a station wagon when we were young. It had a hole in the floor in the back...you were able to watch the street move past you. After my sister threw two pair of shoes in the hole, my parents had it welded up. They use to throw our pillows and sleeping bags in the back and take us to the drive in movie. I think people may have had large families back then, thanks in part to station wagons and double feature films.-LOL

Since: Jan 09

New York, NY

#6401 Mar 13, 2009
Rockytopzz wrote:
<quoted text>I read that men and women are wired differently. I can't remember people's names or birthdays but my wife is sharp on that.
I do know that I have to renew my drivers license in June on my birthday, LOL.
Wired differently indeed. Hey, but opposites attract. Many women think God is a man because of childbirth, other unfriendly visits monthly and "the changes" down the road.
But at least he graced us both with the laws of gravity in old age.

Since: Jan 09

New York, NY

#6402 Mar 13, 2009
Rockytopzz wrote:
<quoted text>If he would have told the truth right off the bat people would have forgotten about it within two weeks.
Isn't it funny that a man who has a rhodes scholar doesn't know the definition of sex? My dad believes the whole mess just helped him cover up the whitewater scandal. Hmmmm, I wonder how he ended up with the nickname Slick Willy?

Since: Jan 09

New York, NY

#6403 Mar 13, 2009
SNJ wrote:
<quoted text>
They are expected to be that - at least. But problems here these days are big enough - but evidently we're much better off than many other countriesand it is expected we shall ride off this storms nwithout too many broken masts - losing some valuable sails though, some gone already. New bank loans dried up over night more or less and many businesses have tough days because of this. Unemployment increases quickly (the worst increase here since 1948 I read)Still our unemployment rate p.t. is some 3,0 %(Yours approaching 10% I've noticed).
Yes, right now it's 8% and they say it won't be long before the end of the year, that it may reach 10%. I can only hope it doesn't go above that.

Since: Jan 09

New York, NY

#6404 Mar 13, 2009
SNJ wrote:
<quoted text>
Unemployment: It is going to be much worse than now - for all of us. China has tremendous increases too. but "authorities" say they are already seeing some signs economy is picking up......
Health: You are a family of 5 as far as I think you said. If this question of mine cannot be perceived as "nosy" or "none-of-my business" kind of question: What will the family's annual costs for having a full private health insurance
policy? And will that include not only all medicines/medical treatments/hospitalization/rec reation -therapy etc - but also a lifelong compensation for possible lost ability to work or get education...i.e. disabilty and/or death (from illness and accident)???
Oh boy, lots of questions with different answers.
It's not a nosey question at all. There are different types of health insurance, different companies and different types such as HMO and PPO.
We had PPO in case we traveled we were covered out of network, it became to expensive and now we have an HMO.
I have a family of 6 and it costs $845 per month. Some friends of mine pay more with less family members. We have $100.00 deductible for medications, which is good here in NY. I think I may change that to save some cash. Everyone's plan is different when it comes to meds.
Copayment's are $20 and $30 for a specialist. ER visits are $50 and admission into the hospital has gone up to $250 but that will cover most treatment while you are in the hospital. I've heard of families receiving surprise bills for admission in the hospital and had to fight their insurance company because of these claims.
There are many claims against insurance companies in the U.S. that have ruined families credit.
For recreation or physical therapy, you would need a referral approved through the insurance company and they can deny you treatment for any reason they feel.
Lifelong compensation? No health insurance company carries that. You must have separate type of insurance for that.
Loss of work no coverage, education no coverage, death separate insurance.
Disability is given by the state. I don't know much about it.
As far as education, there are sports and academic scholarships, pell grants, loans (you have to give up your eye teeth for the interest rates) and we have a 529 plan for the kids. They take a little out of our checking account each month to save for college. If they don't use it, Mike (husband) and I can retire with some extra funds.
Each year the health insurance and copayments go up. It's all so corrupt.

Since: Jan 09

New York, NY

#6405 Mar 13, 2009
SNJ
Forgot to add...Lately how I see things to be...If you work hard all your life and own things, you are treated less kindly by government in U.S.
If you don't own things..And there are some people who do work very hard but, have fallen on hard times, however, their are other individuals who don't care to work..Anyway, If you don't own things the government treats you better and there are many incentives for these individuals. I don't know how this came to be but, people feel as if they have been scolded by government for doing the right thing. The middle class here has been paying the most into government. It doesn't seem right.
SNJ

Norway

#6406 Mar 13, 2009
Norskelt wrote:
<quoted text>
Oh boy, lots of questions with different answers.
It's not a nosey question at all. There are different types of health insurance, different companies and different types such as HMO and PPO.
We had PPO in case we traveled we were covered out of network, it became to expensive and now we have an HMO.
I have a family of 6 and it costs $845 per month. Some friends of mine pay more with less family members. We have $100.00 deductible for medications, which is good here in NY. I think I may change that to save some cash. Everyone's plan is different when it comes to meds.
Copayment's are $20 and $30 for a specialist. ER visits are $50 and admission into the hospital has gone up to $250 but that will cover most treatment while you are in the hospital. I've heard of families receiving surprise bills for admission in the hospital and had to fight their insurance company because of these claims.
There are many claims against insurance companies in the U.S. that have ruined families credit.
For recreation or physical therapy, you would need a referral approved through the insurance company and they can deny you treatment for any reason they feel.
Lifelong compensation? No health insurance company carries that. You must have separate type of insurance for that.
Loss of work no coverage, education no coverage, death separate insurance.
Disability is given by the state. I don't know much about it.
As far as education, there are sports and academic scholarships, pell grants, loans (you have to give up your eye teeth for the interest rates) and we have a 529 plan for the kids. They take a little out of our checking account each month to save for college. If they don't use it, Mike (husband) and I can retire with some extra funds.
Each year the health insurance and copayments go up. It's all so corrupt.
Interesting.
Rough comparison: Family of 5 here. Social security scheme takes care of all medical treatment free of charge. Hospitals free. Medicines. Medicines required for single, short term cases we pay ourselves. For patients with chronic deseases (diabetes/heart patients etc)the patient pays
a certain part limited to a ttl of max $250 per year. All expenses above that are absorbed by the
public health system.
We pay for this by a certain part of the tax deductions in average about 7% of gross income.
For the majority of people that adds up to some 20-40% of your insurance costs of $845 per month.

We also buy private insurance policies such as a life insurance, accident insurance policies to cover needs above the minimum provided by the social security system in case of permanent disabilty, loss of working ability - or partly lost ability. You can chose the size of the policy of course and pay accordingly. Many people
enter into a "life-debt" kind of insurance to fit
the family's debt in case of death / permanent desease of the providing member(s)(= husband a/o wife)- allowing the family to keep their home with all debts paid down in case of death/permanent disabilty.
Impossible to compare exactly - but seems that our public health scheme leaves us with a bill of less than half of yours - and "price" (tax) for this is predictable for years ahead (more or less fixed price - automatic increase when income increases (tax as a percentage of income).
BUT: we are taxed also indirectly through sales taxes (=VAT) of 25% and special taxes on cars and gasoline etc.etc. So at the end of the day our TOTAL taxes and expenses may very well prove to exceed yours. If you lose your job and income here you still enjoy free health care without paying the (7%) tax. I guess when someone loses job/income at yours and being unable to pay the monthly premium (845)you have no cover???
SNJ

Norway

#6407 Mar 13, 2009
Norskelt wrote:
SNJ
Forgot to add...Lately how I see things to be...If you work hard all your life and own things, you are treated less kindly by government in U.S.
If you don't own things..And there are some people who do work very hard but, have fallen on hard times, however, their are other individuals who don't care to work..Anyway, If you don't own things the government treats you better and there are many incentives for these individuals. I don't know how this came to be but, people feel as if they have been scolded by government for doing the right thing. The middle class here has been paying the most into government. It doesn't seem right.
Many people here would say the same thing, and rightly so. It is the middle class everywhere (normally the biggest in numbers too) that provide the lion's share of the costs of society.
But it is difficult to see how that can be different...except that those who earn the most will have to contribute the most. When there is general consensus for that it works.
Where are the borderlines for justice? We also know that much wants more and those who can best afford the extra "burdens" are those who whine the most (at least here that used to be the case).
Today I think that kind of whining has faded and is at a minimum - hardly noticable. Perhaps due to we having had very good times for decades now.
"The blue-eyed Arabs" as we were named after becoming an oil exporting country.

“Howdy”

Since: Dec 06

Paris, TN

#6408 Mar 13, 2009
Norskelt wrote:
<quoted text>
Girls in TN materialistic? I always preferred the guy with the old beat up truck. More character and not a girly girl.
We had a station wagon when we were young. It had a hole in the floor in the back...you were able to watch the street move past you. After my sister threw two pair of shoes in the hole, my parents had it welded up. They use to throw our pillows and sleeping bags in the back and take us to the drive in movie. I think people may have had large families back then, thanks in part to station wagons and double feature films.-LOL
LOL. I used to know a man that moved from Michigan and the passenger floor board was completely ate up from salt I guess. He had a wooden board over it. His fenders flapped when going down the road, hood and trunk tied down with rope.

“Howdy”

Since: Dec 06

Paris, TN

#6409 Mar 13, 2009
Norskelt wrote:
<quoted text>
Hmmmm, I wonder how he ended up with the nickname Slick Willy?
Anything to do with cigars and KY jelley?

“Howdy”

Since: Dec 06

Paris, TN

#6410 Mar 13, 2009
Norskelt wrote:
<quoted text>
Yes, right now it's 8% and they say it won't be long before the end of the year, that it may reach 10%. I can only hope it doesn't go above that.
Construction and remodeling is booming in my town.

Now the stimulus package is suppose to give jobs to people wanting work in the road constuction.
It's said now a whole lot of illegal Mexicans will be getting those jobs because our beloved government of now isn't requiring the employers to do a citizen check.
SNJ

Norway

#6411 Mar 14, 2009
Health: I read now that an American "research" has concluded that "religious kids are more healthy".
What is going on within "research" over there?
I wonder who pay the costs and salaries of such a research.....??

Since: Jan 09

New York, NY

#6412 Mar 14, 2009
SNJ wrote:
<quoted text>
Interesting.
Rough comparison: Family of 5 here. Social security scheme takes care of all medical treatment free of charge. Hospitals free. Medicines. Medicines required for single, short term cases we pay ourselves. For patients with chronic deseases (diabetes/heart patients etc)the patient pays
a certain part limited to a ttl of max $250 per year. All expenses above that are absorbed by the
public health system.
We pay for this by a certain part of the tax deductions in average about 7% of gross income.
For the majority of people that adds up to some 20-40% of your insurance costs of $845 per month.
We also buy private insurance policies such as a life insurance, accident insurance policies to cover needs above the minimum provided by the social security system in case of permanent disabilty, loss of working ability - or partly lost ability. You can chose the size of the policy of course and pay accordingly. Many people
enter into a "life-debt" kind of insurance to fit
the family's debt in case of death / permanent desease of the providing member(s)(= husband a/o wife)- allowing the family to keep their home with all debts paid down in case of death/permanent disabilty.
Impossible to compare exactly - but seems that our public health scheme leaves us with a bill of less than half of yours - and "price" (tax) for this is predictable for years ahead (more or less fixed price - automatic increase when income increases (tax as a percentage of income).
BUT: we are taxed also indirectly through sales taxes (=VAT) of 25% and special taxes on cars and gasoline etc.etc. So at the end of the day our TOTAL taxes and expenses may very well prove to exceed yours. If you lose your job and income here you still enjoy free health care without paying the (7%) tax. I guess when someone loses job/income at yours and being unable to pay the monthly premium (845)you have no cover???
I forgot to add dental and vision are included in my health plan. I'm going to drop Mike and I dental because we don't use it that much. We'll pay for cleanings or fillings ourselves and save roughly $80 per month. We'll keep the kids dental.
People with chronic illness have a hard time acquiring coverage. Another shouldn't be.
We only have a life insurance policy and 529 plans (college fund) for the boys. No retirement.
I withdrew my 401k back in 1998 to help buy our first home. Mike has a business and if he failed at it, we would have no coverage. I would have to go back to work and carry the coverage...which I intend to do soon anyway.
They payment into health insurance should go according to salary. I think when a woman is pregnant...they should pay more into health insurance for the first two years. This the only thing I can think of that will help the elderly by keeping the cost of theirs down. Oh if they don't use it often, the elderly should be reimbursed because the younger generation is healthy enough to work.

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