Road Trip to Hell

POSTED BY: Wishimay
UPDATED: Tuesday, January 30, 2018 06:51
VIEWED: 8850
PAGE 1 of 1

WISHIMAY

Sunday, April 9, 2017 10:45 PM

Okay, so Thursday I was driving home from Wally World, and we live in a rural area...

So I'm on this two lane and about to go up a hill and for setting's sake let's say it has a pretty steep grade (45 degrees) and goes up about 1800 feet. Now break it up into 3 600 feet sections(no idea how long it actually is). At the END of the second section (nearer the top) is a turn off to the left and the right.

I'm at the bottom of the hill and I look up and see a semi cresting over the top of the hill, and then slowing down, so I figure he's setting up to turn (and the turn would be from his lane into my lane and off to my right), only he doesn't do that left over-rotation that truckers do before they turn, so I figure he sees me coming and he slows to a very slow roll. I get around to the beginning of the second bit and HE STARTS TURNING IN FRONT OF ME. I see it's a HUGE DIESEL CARRIER and he's a quarter of the way in my lane!!!. I wait about a second (mainly because I am still processing what to do), and because I figure by then he HAS to see me coming (I mean, it's a big damn hill and he's had 15 seconds or so by then), and I wait for him to turn his wheels back to signal that he isn't going to turn. By then, I have no other choice but to slam on my brakes and veer in front of him to turn off to the road on my left, but at the very very last second he straightens the cab out and I swear he HITS THE GAS...

Long story short, there is nothing left of my husbands' car. The semi's final resting spot was found to be several feet OVER my side of the line. My right ankle is broken and sprained and the right side of my body is Barney the Dinosaur purple. I knew instantly my foot was broke, and I refused ambulance until my husband got there as I knew I didn't have any other traumatic injuries.. I get to small hospital (that I was born in, ironically) and they take x-rays. Then they find out it was a semi and start saying I HAVE to be transferred to a high trauma center because they were SURE my foot was an unstable fracture and would require surgery. So I get to the city hospital and they give me a Cat Scan on my upper torso (no they didn't find any cats) and then 5 hours later say it ISN'T an unstable fracture and they send me home, puking all the way.

Ironically, the only damage to the rig was a slightly dented fender.

Then the next day, our van has a "fix oil light" so hubby takes to to get checked and the main seal is leaking on the van (which I knew it was a risk being older, even though it was low miles but thought I would have at least a couple years before it blew) so now our only vehicle is leaking all over the road. It's taken me three days and a Norco just to roll in here to the computer and post, so don't be surprised if I don't answer for a while.

We have State Farm, but I don't know how all this works when you aren't the liable party. I guess I'll hear from insurance this week, but I was wondering if anyone had any experience with this type of accident... as far as what to expect next.

JO753

Monday, April 10, 2017 3:06 AM

If you coud find a way to bottle bad luck, youd be in bizness!

----------------------------
DUZ XaT SEM RiT TQ YQ? - Jubal Early

http://www.7532020.com

DREAMTROVE

Monday, April 10, 2017 3:35 AM

It's nasty when they find cats.

6STRINGJOKER

Monday, April 10, 2017 4:04 AM

I could talk to my old man about his accident, but hes out of town with my brother's family, so it might be a few days. He was side swiped by a semi about 10 years ago that was so incompetent that they managed to hit him twice and totally destroy his car. Somehow he left the accident without any injuries.

My dad isn't a "sue crazy" person, but he's terribly good with money, so I don't know (or remember) the real reasons behind why he walked away from that deal feeling like he got screwed. He ended up having to buy a new car, but it wasn't entirely paid for. He had state farm. I'm not sure what the driver that hit him had. In the end he was just thankful to still be alive.

I don't imagine you're going to be doing much for a few weeks. You may want to look into getting yourself a lawyer. I wouldn't expect a huge pay day or anything, but given your family's circumstances this is beyond a crappy old car needing to be replaced and even just the cost of your medical care. I'm no lawyer but there should be some kind of "hardship" payment for you on the other side.

Don't take any consultations where they charge you upfront. If you have a good case with a likely payout on the other side there should be plenty of lawyers willing to jump on this for their cut in the end.

Good luck.

SIGNYM

Monday, April 10, 2017 9:44 AM

Oh man, that's terrible.

Not sure of the insurance laws in your state, but usually the "at fault" insurance pays, and as a trucker he SHOULD have insurance to pay to replace your car, pay your medical bills, pay for a car rental, lost wages etc etc.

Plus if you had anything IN the car that was ruined, his insurance should pay for that too!

What will surely happen is that your car will be called a "total loss" and they will pay your the current value of you vehicle. But the trucker's insurance will try to "low-ball" the settlement, and YOUR insurance company really doesn't have any particular reason to pursue a higher amount ... it's no skin off their nose if you're left with the short end of the stick!

But you don't know what will turn up later. You may develop PTSD, for example, or your ankle may develop a bone infection that will need ongoing treatment. Plus while you heal, you may need help at home ... who will go grocery shopping for you?

Don't underestimate the damages that you might be facing.

This might help you in the right direction:

http://www.alllaw.com/articles/nolo/auto-accident/injury-claim-settle-
sue-court.html
-----------

"Pity would be no more,
If we did not MAKE men poor"- William Blake
THUGR, JONESING FOR WWIII
All those guns 1kiki, are pointed towards your beloved Russia. All those cyber capabilities, pointed right at Russia. Thanks Putin, and get ready to duck.

1KIKI

Monday, April 10, 2017 10:02 AM

Holy crap.

Good luck.

Originally posted by G:
"I coined the slogan "We Suck!"© many years ago."
G is an avowed Putin-loving, pro-Russian, anti-American troll.

WISHIMAY

Monday, April 10, 2017 11:43 PM

Hubby went to mow the lawn last night, and there was a flat tire on the mower...At this point it's gotten comical.

Not funny haha, more like funny... psychotic.

WISHIMAY

Monday, April 10, 2017 11:44 PM

Quote:
Originally posted by JO753:
If you coud find a way to bottle bad luck, youd be in bizness!

And people keep wondering WHY I'm so mad all the time!!!

THGRRI

Monday, April 10, 2017 11:54 PM

Quote:
Originally posted by Wishimay:

Quote:
Originally posted by JO753:
If you coud find a way to bottle bad luck, youd be in bizness!

And people keep wondering WHY I'm so mad all the time!!!

Not me, I don't wonder about that

6STRINGJOKER

Tuesday, April 11, 2017 12:06 AM

Quote:
Originally posted by Wishimay:
Hubby went to mow the lawn last night, and there was a flat tire on the mower...At this point it's gotten comical.

If it's an actual flat and the tire is shot, try Great Stuff. Drill a bunch of holes in the tire and fire a few cans into it. Be sure to add water or else it won't foam up properly because it's not being exposed to a lot of air. You might be able to fix that tire for a couple bucks instead of having to buy a new one.

Remember to have plenty of newspaper around it or you're going to have a big mess on your hands.

WISHIMAY

Thursday, April 13, 2017 7:27 AM

Six, mower tires are less than $25 here installed.

Got a call last night from my own insurance company trying to get me to say I KNEW it was turning and should have stopped. Guess a lawyer somewhere didn't want to have to work for this one... Hada drive into town and set the record straight.

Yeah, I knew it was PROBABLY turning EVENTUALLY, but most people wait until the lane is clear, I had no idea it was gonna turn in FRONT of me. Don't think he had his turn signal even ON, and he was already 99% stopped. If I'd just hit the brakes I would have crashed head-on into his cab, and I'd be a goner for sure.

I honestly think he just didn't comprehend I was that close...

I tried to wean myself off the pain killers, and found I now have crippling searing hot nerve pain, so YAY. Got a wheelchair with a leg lift, so that's better.

Also, that damn car had Takata Airbags, known for going boom in your face, and I was pleasantly surprised to find they didn't decapitate me.

6STRINGJOKER

Thursday, April 13, 2017 8:17 AM

All of the sudden my parents purchasing dash cams for their cars doesn't sound so stupid to me.

Do yourself a favor if you get them for your own cars. Don't let anybody know you have them, even your insurance company if they offer some kind of discount for it. If it turns out that in the heat of the moment you actually were the one to make a mistake, the insurance company would expect footage proving your guilt in the accident.

MAGONSDAUGHTER

Thursday, April 13, 2017 3:53 PM

Not sure I entirely followed what happened but I am pretty sure that over here 99% of the time you'll be considered at fault by the insurance company if you were behind the other vehicle. Thinking is that you should be driving defensively enough and far enough away to stop under most circumstances.

If he moved into your lane turning, that's another story.

It still sucks though. Hope you're all mended soon.

WISHIMAY

Thursday, April 13, 2017 10:08 PM

NOT behind other vehicle, I was at BOTTOM of hill, he was at TOP of hill...come on, that should've been the easy part...

THGRRI

Thursday, April 13, 2017 10:15 PM

That's why I travel with a gun wish, so I can shoot the bastard.

WISHIMAY

Thursday, April 13, 2017 10:22 PM

If just being an oblivious dickhead was a terminal offence, the roads WOULD be a great place, yeah.

WISHIMAY

Friday, April 14, 2017 7:49 AM

Went back to the scene this evening, and he DID hit the gas, looked like he was about six feet past the corner, it would have been just enough for me to squeeze through. Btw, I have raging cellulitis and am on lotsa anti-biotics...

WISHIMAY

Tuesday, April 18, 2017 4:34 AM

$1300 bucks for the van fix, had several things leaking, timing cover and some such... But they did a full inspection and said just about everything else looks perfect.

Now, what truck to buy????

Also, found out my aunt has cancer this week. She makes number 9 in three generations...

THGRRI

Tuesday, April 18, 2017 5:25 AM

Quote:
Originally posted by Wishimay:
$1300 bucks for the van fix, had several things leaking, timing cover and some such... But they did a full inspection and said just about everything else looks perfect.

Now, what truck to buy????

Also, found out my aunt has cancer this week. She makes number 9 in three generations...

No words of wisdom wish. Just a hello.

JO753

Tuesday, April 25, 2017 2:32 PM

Had a car fiasco today.

Went to Rockford to vizit my mom on her 86th birthday. Went to pik up my sister first and the car woudnt start. A horribly final clattering sound had me worried that the enjin had frozen up. It had been running fine all the way there, but a little hot. I wuz imajining an mysterious little wire in the starter wiring taking a week to find or the main wire connection on the starter coming loos (bad!) an overheated piston jammed agenst a broken chunk, finally ending the overextended life uv the enjin (dizaster).

Took a wile for my addled brain to consider that the low voltaj reading meant the battery wuz too weak to turn the starter. Normally, that woud be the obvious thing, but I hav an Optima battery and the voltaj wile the enjin wuz running had been 14 to 15 all the way there, so the idea that it coud be going bad already seemed unlikely.

So, just on the off chans it mite save me & my sister 50 buks cab fair, I offered a guy 10 to jump start it. It fired rite up! I wuz so happy, I gave him 20 insted.

Vizited mom at the nursing home. She'z not looking good.

Then her nurse helped jump start it agen after the vizit. I dropped my sister off at her joint and went strate to Autozone & got a new Optima battery and a voltaj regulator. Add a forhed flash lite and 291$ died az far az my wallet iz conserned.

After I got home a close look at the tag showed that the battery iz 10 yirz old! I thot it wuz only 4 or 5.

----------------------------
DUZ XaT SEM RiT TQ YQ? - Jubal Early

http://www.7532020.com

WISHIMAY

Tuesday, April 25, 2017 8:32 PM

We had just replaced the battery on the vehicle we wrecked, and two of the tires...

And, the tires on the van were original, but they looked like they were in decent shape... Blew one a month ago and blew another Sunday night, two miles from home...

Have to replace the others next month, I guess.

I'm starting to hobble around, but I still have a goose egg on my knee, and can't bend it yet. Can't go to the basement to do laundry, so my kid has to do it all. This whole things is just so freaking irritating...

PS, sorry to hear about your mama.

JO753

Wednesday, April 26, 2017 12:46 AM

Thanks. Az bad az she iz, there are many much yunger peepl there at that nursing home and lots uv peepl dont even make it to 70.

----------------------------
DUZ XaT SEM RiT TQ YQ? - Jubal Early

http://www.7532020.com

1KIKI

Wednesday, April 26, 2017 6:28 AM

Today I was in the far right lane. In the lane to my left was a whole string of big rigs, as far back and as far forward as I could see.

And then I saw karma.

A big rig rear-ended another big rig.

Originally posted by G:
"I coined the slogan "We Suck!"© many years ago."
G is an avowed Putin-loving, pro-Russian, anti-American troll.

SIGNYM

Wednesday, April 26, 2017 8:43 PM

What really troubles me are the elderly who've lost not only their minds but also their peace. My MIL and dad passed away like that- troubled and distraught in their last months, due to metastasized cancer and Parkinson's, respectively. Dad, who grew up on a primitive farm in Poland in the early 1930s, had a more realistic view of death than today. Death back then was all around them- his mom died in childbirth when he was 13, people died all the time at home, and of course they killed animals for food. They didn't used to hope for life, but for a good death - quick and merciful.

If people still smile, that is a mercy.

WISH: Thank goodness your DD is competent to help out.

-----------

"Pity would be no more,
If we did not MAKE men poor"- William Blake
THUGR, JONESING FOR WWIII
All those guns 1kiki, are pointed towards your beloved Russia. All those cyber capabilities, pointed right at Russia. Thanks Putin, and get ready to duck.

WISHIMAY

Wednesday, April 26, 2017 11:55 PM

Quote:
Originally posted by SIGNYM:

WISH: Thank goodness your DD is competent to help out.

She's been awfully good about it, doing all the laundry, walking the dog more, and she got straight a's on her midterms...Going to take her shopping as a reward when I can walk without a boot on.

My grandma calls me every day and sounds huffy like "When are you going to go back to taking care of ME ME ME???? I'm helpless too..."

The only relatives I have here... an aunt that has an impending open heart surgery, one with pancreatic cancer, and a cousin that works full time, and her kid that just hada baby. Hubby's family brought by a package of store bought brownies and didn't even bother coming IN, let alone helping. And they are sooo "Christian" dontcha know

As least they sounded guilty when I said my kid has been doing it all without help.

WISHIMAY

Thursday, April 27, 2017 12:01 AM

Quote:
Originally posted by 1kiki:

And then I saw karma.

A big rig rear-ended another big rig.

There was a girl in chat said she'd been hit by TWO big rigs. I don't think I could get in a car again after another of these. And we've seen a couple rigs swerve in front of us and others lately. I think they drive them a lot more in spring when the weather is good, nothing like a ten ton reaver on the road....

JO753

Thursday, April 27, 2017 3:43 AM

Quote:
Originally posted by G:
Yes, good perspective Jo, live each day!

Seeing decrepit vejetablez on life support who are suffering with no chans uv recovery can make you wonder if we need to reconsider our condemnation uv less sivilized societyz. Az brutal and bloodthirsty az Vikingz, Azteks, Klingonz, Spartanz were, a kwik deth wen you can no longer swing your wepon fast enuf duznt sound so bad.

----------------------------
DUZ XaT SEM RiT TQ YQ? - Jubal Early

http://www.7532020.com

WISHIMAY

Tuesday, May 2, 2017 10:09 PM

I agree. Speaking from this past months experience, if you can't at least roll around, you got nothing. Pissing in a bucket and having people cart that off? Not living...

So....they did a CT scan on my foot. I thought they were gonna say it's okay, so I drove myself there so hubbs can get some sleep...

There's fractures leading to fractures leading to other fractures....

One good fall and literally half my ankle would've broken off. So now they are putting me in a hard cast for a month and he said even then I may require surgery, because one of the pieces is healing slightly lower than where it came from.

THAT was on top of non-stop rainfall over the weekend, and a night of power outages. Our laundry room flooded and I couldn't do shit about it. Now I think we may have to replace the dryer. I was down there bleach mopping from a wheelchair...REALLY glad I caulked the hell out of the baseboards the last few years, I think the one dividing wall will be ok...

The E.R. bill totaled out to $21,700, btw. They charged $1000 to walk in the room and give me a $200 Velcro boot that is the wrong size, but they only had a woman's large 8-9 and I'm an 11. Just CRAZY.

This whole thing is so surreal. I've never even had an accident driving...

JO753

Wednesday, May 3, 2017 12:36 AM

My dad had bad anklz. It wuz frum aksidents wen he wuz yunger in the Polish Army and playing soccer. Make sure they fix it rite, otherwize youll end up with a cankle! (calf bone fuzed to ankl bone)

----------------------------
DUZ XaT SEM RiT TQ YQ? - Jubal Early

http://www.7532020.com

WISHIMAY

Wednesday, May 3, 2017 1:31 AM

Yeah, that's what the doc says he's afraid could happen...

I wondered why I couldn't flex my foot much, even though it's been close to a month, but then if you look at my one ankle compared to the other there is still plenty of swelling...

This is gonna be a LOOONG SPRING.

SECOND

Wednesday, May 3, 2017 3:44 AM

Quote:
Originally posted by Wishimay:

The E.R. bill totaled out to $21,700, btw. They charged $1000 to walk in the room and give me a $200 Velcro boot that is the wrong size, but they only had a woman's large 8-9 and I'm an 11. Just CRAZY.

This whole thing is so surreal.

There is a journalist/doctor who agrees with you that the prices are absurd in an article called “How to avoid getting ripped off at the hospital according to a doctor turned health care journalist”
www.vox.com/science-and-health/2017/4/11/15210656/hospital-charges-eli
sabeth-rosenthal

Quote:
While anecdotes of the absurd, dysfunctional medical system abound these days, it can be difficult to know how best to navigate health care and avoid massive bills. That’s where Rosenthal’s new book comes in: It’s a user’s guide to the American medical system. Rosenthal documents how health care evolved from a patient care system to a multi-trillion-dollar business one perverse incentive at a time — and, importantly, what patients can do to fight back.

In that article, Elisabeth Rosenthal also writes about her new book, An American Sickness.

There is a pirated copy of the book at
https://thepiratebay.org/search/American%20Sickness/0/99/0
You will need www.utorrent.com or something equivalent to download the book.

Or there is Amazon’s #1 Best Seller in Health Insurance at
www.amazon.com/American-Sickness-Healthcare-Became-Business/dp/1594206
759/

The book is so recent that it was published a week after your accident.

From the Epilogue of the book:

Quote:
The Fate of Empires describes an age of decadence into which all great societies — Rome, Greece, Persia, Great Britain — descend before they finally fall for good. The decadence, according to the author, Sir John Glubb, is due to a period of wealth and power, selfishness, love of money, and loss of a sense of duty. Does this sound familiar? Societies, it says, typically take over two hundred years to get to the age of decadence. American healthcare has arrived far faster.

The fathers of modern medicine — doctors and scientists like Frederick Banting, who pioneered insulin treatment; Jonas Salk, who discovered the polio vaccine; Albert Starr, who invented a lifesaving artificial heart valve; and Thomas Starzl, who fathered modern organ transplant — helped usher in a new era of scientific healing. They are the reason for medicine’s lofty reputation. But the respect they earned through their noble efforts has been squandered in the past quarter century. The treatments we get and the prices we pay are governed as much by commerce as by humanism or science. The mission of this book is to advocate for a return to a system of affordable, evidence-based, patient-centered care.

No one player created the mess that is the $3 trillion American medical system in 2017. People in every sector of medicine are feeding at the trough: insurers, hospitals, doctors, manufacturers, politicians, regulators, charities, and more. People in sectors that have nothing to do with health — banking, real estate, and tech — have also somehow found a way to extort cash from patients. They all need to change their money-chasing ways.

WISHIMAY

Wednesday, May 3, 2017 6:46 AM

State Farm has a program where they will cover the first $25,000 of accident injuries until they get done with the liability...I think the hospital heard "hit by a semi" and their wallets got hungry. They wouldn't have charged that to a Joe Shmo, because I've seen what a recent E.R. bill looks like...

I had to call the "abrogation" department with my health insurance and notify them of the accident and that if they received any bills that they should send them to State Farm. I've never even heard the word before much less would have known to call it, and the ortho hospital said it is their "policy to double bill"....
I found out that they basically get an interest free loan if the insured doesn't KNOW they need to contact the abrogation dept, and the bills get passed onto the policyholder. Even then they don't catch one in ten bills and the ortho hospital gets off scot-free with the money.
So, basically, widespread insurance fraud perpetrated BY THE HOSPITAL.

SKIM, SCAM, SCUM....name of the game...

The local mega hospital here is building Jurassic Park style... turrets (for lack of a better word) and every time I drive past I think "I wonder how much they had to scam people to build THOSE??"

I had decided to avoid doctors and did a pretty good job of it for two years. More than anything, more than the pain or inconvenience (which is considerable), THAT is what I hate dealing with...DOCTORS...(and insurance.)

1KIKI

Wednesday, May 3, 2017 8:20 AM

Quote:
SKIM, SCAM, SCUM....name of the game...

That's a great quote! May I use it sometimes?

Originally posted by G:
"I coined the slogan "We Suck!"© many years ago."
G is an avowed Putin-loving, pro-Russian, anti-American troll.

SECOND

Wednesday, May 3, 2017 8:29 AM

Prices are so inflated that even low-level clerks are often authorized to approve major discounts. I’ve heard from patients who’ve had bills for a $3,000 emergency visit for a broken ankle and a $25,000 hospital stay more than halved on the spot. If a hospital has to refer your payment to a debt collector, it will likely lose way more than half anyway. The comedian John Oliver purchased and forgave nearly $15 million worth of medical debt for less than $60,000 as a stunt to illustrate the excesses of the collections industry and hospitals.
www.nytimes.com/2016/06/07/arts/television/for-his-latest-trick-john-o
liver-forgives-15-million-in-medical-debt.html

The Joss Whedon script for Serenity, where Wash lives, is Serenity-190pages.pdf at www.mediafire.com/folder/1uwh75oa407q8/Firefly

SECOND

Wednesday, May 3, 2017 8:37 AM

Quote:
Originally posted by Wishimay:

The local mega hospital here is building Jurassic Park style... turrets (for lack of a better word) and every time I drive past I think "I wonder how much they had to scam people to build THOSE??"

Market economists I’ve spoken with variously refer to hospitals as “sharks” or “spending machines.” With few if any market forces to effectively curb their behavior, they raise prices as much as they can. Because most hospitals are nonprofit institutions, they have no shareholders to answer to and cannot legally show a “profit”; therefore, they spend excess income on executive compensation and building Zen gardens and marble lobbies. - Chapter 2 of An American Sickness by Elisabeth Rosenthal 2017

The Joss Whedon script for Serenity, where Wash lives, is Serenity-190pages.pdf at www.mediafire.com/folder/1uwh75oa407q8/Firefly

WISHIMAY

Wednesday, May 3, 2017 9:46 AM

Quote:
Originally posted by 1kiki:
That's a great quote! May I use it sometimes?

Have at it

1KIKI

Wednesday, May 3, 2017 10:41 AM

Quote:
Originally posted by Wishimay:
Have at it

Thanks! WishI.

Originally posted by G:
"I coined the slogan "We Suck!"© many years ago."
G is an avowed Putin-loving, pro-Russian, anti-American troll.

JO753

Wednesday, May 3, 2017 2:37 PM

Wun uv the thingz I found out from my mom & dadz medical billz iz that the hospitalz, doctorz, in-home care companyz, testing labz, etc are playing a double dip game. They get the big money from medicare, but make sure the bill iz bigger than wut medicare will pay so that they can send the patient a bill also. Its wutever the market will bear + wutever the 2nd market will bear.

----------------------------
DUZ XaT SEM RiT TQ YQ? - Jubal Early

http://www.7532020.com

SIGNYM

Wednesday, May 3, 2017 2:46 PM

Quote:
Originally posted by Wishimay:
I agree. Speaking from this past months experience, if you can't at least roll around, you got nothing. Pissing in a bucket and having people cart that off? Not living...

So....they did a CT scan on my foot. I thought they were gonna say it's okay, so I drove myself there so hubbs can get some sleep...

There's fractures leading to fractures leading to other fractures....

One good fall and literally half my ankle would've broken off. So now they are putting me in a hard cast for a month and he said even then I may require surgery, because one of the pieces is healing slightly lower than where it came from.

THAT was on top of non-stop rainfall over the weekend, and a night of power outages. Our laundry room flooded and I couldn't do shit about it. Now I think we may have to replace the dryer. I was down there bleach mopping from a wheelchair...REALLY glad I caulked the hell out of the baseboards the last few years, I think the one dividing wall will be ok...

The E.R. bill totaled out to $21,700, btw. They charged $1000 to walk in the room and give me a $200 Velcro boot that is the wrong size, but they only had a woman's large 8-9 and I'm an 11. Just CRAZY.

This whole thing is so surreal. I've never even had an accident driving...

All I can do is feel for you from afar, but boy, do I feel for you!

-----------

"Pity would be no more,
If we did not MAKE men poor"- William Blake
THUGR, JONESING FOR WWIII
All those guns 1kiki, are pointed towards your beloved Russia. All those cyber capabilities, pointed right at Russia. Thanks Putin, and get ready to duck.

SECOND

Wednesday, May 3, 2017 5:29 PM

Quote:
Originally posted by JO753:

Its wutever the market will bear + wutever the 2nd market will bear.

Whatever the market will bear was considered immoral by doctors in 1970, but it has became standard business practice. Why the change? “On rotations I’ve sat and listened to dermatologists, plastic surgeons, orthopedic surgeons, neurologists and oncologists all tell me they don’t make that much money,” wrote one student from the University of California at San Francisco, one of America’s most prestigious medical schools, speaking of her “cognitive dissonance.” “There is a bizarre martyr complex that permeates medicine—people think they are working harder and longer for less money than everyone else in America.”

Doctors with their new belief they were underpaid and overworked, began rewriting their codes of ethics to correct that completely unfair mistreatment by their patients of the poor, poor doctors:

Dr. Michael Canning, a Florida general surgeon, sent me the official pledge he took when he was admitted into the American College of Surgeons in 1990. It had a couple of clauses that caught my eye (emphasis is mine):

I promise to deal with each patient as I would wish to be dealt with if I were in the patient’s position and I will set my fees commensurate with the services rendered.

I will take no part in any arrangement such as fee splitting or itinerant surgery which induces referral or treatment for reasons other than the patient’s best welfare.

It was hard to believe that some of the surgeons I’ve met would commit to such a declaration. Every doctor who is a part owner in a surgery center where he operates engages in a form of fee splitting (where a physician gets financial advantage from referrals). In 1990 the American College of Surgeons felt that it was immoral to be an itinerant surgeon—moving from place to place collecting fees for surgery but not being there for the follow-up. Today many surgeons operate at a large number of hospitals, collecting fees for the revenues they generate at each.

The current version of the American College of Surgeons pledge, adopted in 2004, has been amended to remove those pesky ethical limitations:

I promise to deal with each patient as I would wish to be dealt with if I was in the patient’s position, and I will respect the patient’s autonomy and individuality.

I will take no part in any arrangement or improper financial dealings that induce referral, treatment, or withholding of treatment for reasons other than the patient’s welfare.

Surgeons are not the only group of doctors watering down their moral commitments. The American Medical Association’s code of ethics has been similarly diluted. Through the 1960s and 1970s it said that physicians’ fees “should be commensurate with the services rendered and the patient’s ability to pay” (emphasis mine). But this latter exhortation did not survive into the 1980s.
- Chapter 3 of An American Sickness by Elisabeth Rosenthal, 2017

The Joss Whedon script for Serenity, where Wash lives, is Serenity-190pages.pdf at www.mediafire.com/folder/1uwh75oa407q8/Firefly

JO753

Wednesday, May 3, 2017 6:07 PM

There are alot uv peepl getting rich by opening helth care provider biznessez. They hire doctorz, nursez, therapists and untrained workerz to run the operation. They dont need to hav any medical training themselvez. Their main idea iz to milk patient's insurans andor medicare/medicaid for az much az possible wile paying the workerz az little az possible.

Therez a regular streem uv newz reports about them getting charjed with fraud, or going out uv biz without telling the employeez who continue to work for several weeks after their paychecks fail to show up.

That happened with Sure Care, a joint that my mom wuz getting in home servis from. Her shower lady kept showing up for a month after her last paycheck!

----------------------------
DUZ XaT SEM RiT TQ YQ? - Jubal Early

http://www.7532020.com

WISHIMAY

Wednesday, May 3, 2017 9:40 PM

I hate to interrupt a good conversation with a youtube, but...

I heard this song the day before I got hit, and it's become my daily mantra.

The lead singer of Imagine Dragons has a spinal disorder and has had to have a few surgeries to try and treat it.

Dolph Lundgren here is the embodiment of pain. At one point the singer says "I want to stop" and Dolph says "We can't" he's talking about chronic pain and the everyday dance with it, how he won't let it beat him.

It's the most meaningful piece I think I've ever heard.

JO753

Thursday, May 4, 2017 10:26 PM

My mom died this morning. Didnt want to say it here in a new topic, so it kinda fits in this wun kuz we were on about the helthcare system. She wuz in the hospital yesterday, then they moved her back to the nursing home next door after getting an infection under control. My sister got to vizit 1 last time.
http://www.zolkorp.com/BLoG.html

I'm going to relax all day. Do nothing but watch TV and typeblather in forumz.

----------------------------
DUZ XaT SEM RiT TQ YQ? - Jubal Early

http://www.7532020.com

WISHIMAY

Friday, May 5, 2017 3:22 AM

Quote:
Originally posted by JO753:

I'm going to relax all day. Do nothing but watch TV and typeblather in forumz.

I'm truly sorry for your loss. No matter who they were or how they go, it's never easy. Will there be a funeral or cremation or?

When I go, I just want a cremation, no services. The idea of a couple dozen people standing around pretending to care and just waiting to be fed makes me nauseous...

1KIKI

Friday, May 5, 2017 11:17 AM

I'm sorry about your mom's passing.

¤°º¤ø,¸¸,ø¤º°`°º¤ø,¸,ø¤°º¤ø,¸¸,ø¤º°`°º¤ø,¸,ø¤°º¤ø,¸¸,ø¤º°`°º¤ø,¸,ø¤°º¤ø,¸¸,ø¤º°`°º¤°º¤ø,¸¸ø¤º°`°º¤ø,¸¸,ø¤º°`°º¤ø,¸,ø¤°º¤ø

JO753

Friday, May 5, 2017 11:41 AM

xanks.

I'd arranjed for her body to be donated to siens, but my sister hated the idea. She called momz long time Catholic church frend, who made arranjments for a burial, but I dont know if therez going to be a funeral servis.

Dying iz expensiv! Sumthing like 6,000 for a bare bonez coffin & stone and burial. It wuz 1,800 just for a cremation for my dad 4 yirz ago. No fancy urn, not even a Folgerz can!

----------------------------
DUZ XaT SEM RiT TQ YQ? - Jubal Early

http://www.7532020.com

6STRINGJOKER

Friday, May 5, 2017 5:09 PM

Sorry about your mom.

About donating a body to medical science... is there any money in that? I'm sure you don't get paid, but is do they at least take care of the death expenses for you? I'm never going to get a life insurance policy and I'd rather not have money come out of whatever estate I have when I go to cover costs. I thought cremation was a lot cheaper than that. I was thinking maybe having my brother bury me in the woods or tie cinderblocks to my feet and dump me off a bridge, but he's got a bad back.

The freakin' "death industry" is a bigger scam than even the diamond scam industry.

JO753

Friday, May 5, 2017 10:48 PM

I think cremation can be less than 1,000$ if you shop around.

Yes, the siens donation organization payz all expensez & sendz the ashez uv wuteverz left back to you if you want.

I woud like my remainz to be fed to sanctuary lionz.

Better yet! To a secret cat army training organization! They woud feed the soldierz human meat to give them a taste for it!

----------------------------
DUZ XaT SEM RiT TQ YQ? - Jubal Early

http://www.7532020.com

SIGNYM

Saturday, May 6, 2017 9:33 AM

Quote:
My mom died this morning. Didnt want to say it here in a new topic, so it kinda fits in this wun kuz we were on about the helthcare system. She wuz in the hospital yesterday, then they moved her back to the nursing home next door after getting an infection under control. My sister got to vizit 1 last time.

I'm so very sorry for you, JO. I hope her passing was peaceful.

Whether you got along well with a parent or not, when they die it leaves a big hole. Just... hugs.

-----------

"Pity would be no more,
If we did not MAKE men poor"- William Blake
THUGR, JONESING FOR WWIII
All those guns 1kiki, are pointed towards your beloved Russia. All those cyber capabilities, pointed right at Russia. Thanks Putin, and get ready to duck.

JO753

Saturday, May 6, 2017 8:58 PM

xanks everybody.

It wuz a long time coming, so no big shock.

----------------------------
DUZ XaT SEM RiT TQ YQ? - Jubal Early

http://www.7532020.com

SIGNYM

Monday, May 15, 2017 12:07 PM

On this mother's day, JO, I hope that you know that I remember your loss, and send you my deepest sympathies.

-----------

"Pity would be no more,
If we did not MAKE men poor"- William Blake
THUGR, JONESING FOR WWIII
All those guns 1kiki, are pointed towards your beloved Russia. All those cyber capabilities, pointed right at Russia. Thanks Putin, and get ready to duck.

SIGNYM

Monday, May 15, 2017 12:08 PM

WISHI, I hope your mom's day was good.

How's your injury? Getting better I trust?

-----------

"Pity would be no more,
If we did not MAKE men poor"- William Blake
THUGR, JONESING FOR WWIII
All those guns 1kiki, are pointed towards your beloved Russia. All those cyber capabilities, pointed right at Russia. Thanks Putin, and get ready to duck.

WISHIMAY

Monday, May 15, 2017 10:36 PM

Quote:
Originally posted by SIGNYM:
WISHI, I hope your mom's day was good.

How's your injury? Mother's Day?

Thank you for asking. Hope yours was well.

Mine started out well enough, hubby made sulfite free biscuits and gravy, my kiddo gave me a gorgeous drawing of a bleeding heart plant... Then I went outside to mow the lawn (one of the only things I can still do) and the sprayer for the weed killer had a seal break, and when I stopped the riding mower to talk to hubbs about it the starter on the mower fried with my neighbor's lawn half mowed (she's 76) . It's not worth fixing it at this point.

As such we have decided to buy a new one (BYE BYE $2000) and will not be able to afford a new used vehicle. Also, the door on our ancient fridge has decided to wear out, so we will need another of those (BYE BYE $1000+) Also, last weekend the TV remote fried, and the month before THAT one of the speakers in the TV fried as well, so we may replace it as well. (BYE BYE $500).

Really, we just need to buy a new life. Anyone know where we can get one of those?? On discount7??

And since you asked, these casts are designed to make people on the autism spectrum go psychotic. From 7-10 every night all I can think is "I WANT TO TAKE IT OFF, I WANT TO TAKE IT OFF!!!" Especially when it starts twinging or itching or sweating. I have already removed several inches of it with tin snips. It was either IT or MY LEG. Still have three 1/2 weeks to go, but they will put on a fresh one next Monday...

My grandma has picked up a respiratory infection and my aunt on chemo is taking her to the doctor today, and NO, I cannot drive the van with the cast.... I have to guess where the pedals are since I can't see them well, and holding the cast in the air over the brake DOES NOT WORK.

My house is a mess, and my kid did over 60 hours of homework and end-of-year projects for school IN TWO WEEKS so helping me is not a priority. I have been helping HER with THEM instead... Hubby is on 6 days a week right now, so no help there. I'm thankful he has energy to go get groceries on Sunday.

Also, the psych doc put him on Zoloft for OCD, unfortunately he was on it 4 years ago and we forgot that it turns him into a spend-aholic, rage-aholic because I'm not good at remembering pill names and neither is he. (He has been on a dozen different ones since the Asperger's diagnosis.) I thought that the psych doc would have had it in his notes to NEVER prescribe it again, but he didn't check. (Last month, before the accident it made him so mad he put a hole in the wall. I just hung a picture over it.)

Hubby blew through over $700 on prepper JUNK in a month and a half (last time it was $400), since I was not keeping track for three weeks after the accident. When we realized it was the pills and that the bank account was damn near empty, he felt so bad about it he was cutting himself.

Now we HAVE to take a vacation because I'm afraid he will kill himself if we don't.

So.....We're just SUPER.

Never better

WISHIMAY

Monday, May 22, 2017 9:21 AM

Had the first bit of luck in a while, new neighbor used to work in a mower repair place, helped us for a couple hours replace a half dozen things on the mower and it runs like a jackrabbit again. I was mowing with a headlamp on, but it's done for another week! Will be delivering a big batch of brownies for him and the kids this week.

1KIKI

Monday, May 22, 2017 9:39 AM

Cool! May it continue.

Originally posted by G:
"I coined the slogan "We Suck!"© many years ago."
G is an avowed Putin-loving, pro-Russian, anti-American troll.

SIGNYM

Monday, May 22, 2017 8:02 PM

A stroke of good fortune. Like KIKI, I hope it continues for you and your family.

-----------

"Pity would be no more,
If we did not MAKE men poor"- William Blake
THUGR, JONESING FOR WWIII
All those guns 1kiki, are pointed towards your beloved Russia. All those cyber capabilities, pointed right at Russia. Thanks Putin, and get ready to duck.

WISHIMAY

Monday, January 29, 2018 7:52 AM

God...last year SUCKED.

So....It turns out that of all of those bills, EVERY SINGLE PROVIDER needed to be called, emailed, and sometimes conference called with State Farm to get them paid...and I had no idea. I thought if I told them State Farm was paying and made sure every bill made it to them it would work out...NOPE.

Each bill I submitted was rejected for months, and I didn't know until they all started showing up "PAST DUE". At least 30 bills, at least 50 calls to get them settled. And several needed specific billing forms that I had to request and re-submit. At least a dozen conference calls. I can't imagine the waste and effort that goes down the drain processing this stuff...

AND THEN, I had to go in person to each provider and get a patient release statement. It would have taken the other insurer six months to get them all, I spent a day driving around and got them all myself. I imagine most of these type cases take longer than two years to figure out, and if you take longer then two years bad things happen. Providers can sue, insurers can deny payment.

If I had known what a mess the billing was, I would have used my credit card and submitted the final bill to the other side. Lesson learned.

At least a dozen calls later with the other guys insurance...we arrived at a settlement. It took a little investigative work, but there is a dollar amount that can be approved without lawyers involved and no further due process. I'm pretty sure if I hired a lawyer and went through the process I could have gotten about 4 times what I did, but a lawyer takes about 30%.
Not worth the time and hassle for me.

Interestingly enough, if you get a settlement for actual pain and suffering...you don't have to pay taxes on it. If it's for mental anguish, you do.

We've decided to close out our crappy 401K and take the settlement and pay the house off, I think. No more house payment would mean we could save more in two years than we have in the 401K and we wouldn't be losing all the interest every month.

Stock market doesn't do any good for us peons anyway.

Just got back from taking my kiddo and her bestie (her birthday) clothes shopping and it was a good day. Kiddo was the first person to get paid when we got the money. I am so grateful for everything she did, could not have lived this without her...

My foot still occasionally twangs, but I'm generally walking, limps some when the weather is bad. My knee is going to take years for the odd bruising to fade I think (it jammed into my keys at high speed).

I am FAAAR more vigilant of semi's now, and truly have to fight down the flashbacks quite a bit...but I'll survive. I got my grans teeny tiny car in exchange for running her groceries and taking her to the docs, so not worrying about what vehicle to buy either.

I'm just glad I can put all this crap behind me... Every part of it was a nightmare...

JO753

Monday, January 29, 2018 1:49 PM

Payed the hous off. Soundz like an unreachable fantasy to me. Congrats!

----------------------------
DUZ XaT SEM RiT TQ YQ? - Jubal Early

http://www.7532020.com

6IXSTRINGJACK

Monday, January 29, 2018 6:11 PM

Assuming your house is worth keeping, you won't be sorry by paying off that house Wishy. I'm actually extremely happy for you and your family, and very impressed with your tenacity dealing with all of those issues and your refusal to get lawyers involved who would have just milked you for months.

I'm not saying not to put money back into your retirement from here forward, but there is nothing you can possibly own or put your money into that is safer than your home. Once you've paid it off, as long as you keep up to date on your property taxes, NOBODY can take it away from you. It's safe from bankruptcy, it's safe from college loans, it's safe from hospital bills... Should you ever need any governmental assistance it will not be counted against you at all for it.

Just keep it insured, and keep those tax payments up to date. You will have to do that yourself now, likely twice per year. If you're locality is like me you will get a bill in the mail with instructions on how and when to pay and what the penalties are for late payments. I'd advise going the extra step to call your assessor and/or treasurer immediately after paying off the house to get this information rather than relying on them. I'd also call two different times to talk to two different people who (hopefully) give you the same information.

Oh... and if you were paying flood insurance because the bank forced you to for living on a flood plane, you probably will want to keep doing so. It would be tempting not to, but depending on the severity of your plane it probably isn't worth the risk.

Good luck. This is really awesome news. I'm not bullshitting you here. I'm very happy for you. :)

Do Right, Be Right. :)

G

Monday, January 29, 2018 7:56 PM

Quote:
Originally posted by Wishimay:
We've decided to close out our crappy 401K and take the settlement and pay the house off, I think. No more house payment would mean we could save more in two years than we have in the 401K and we wouldn't be losing all the interest every month.

Warning: Your mileage may very - this is not advice, just information. I am not a financial person, just a reader of things:

Your 401k shouldn't suck, especially now. Whether it's Trump or something else, 401ks are climbing like the market - setting records even. So if your 401k sucks it's *possibly* just not invested properly. Most 401ks can be modified in how they are invested - you should be able to make changes in other words, to capitalize on this runaway market.
Also - paying off the house and not having a house payment is extremely tempting and it may be the exact best thing for you in your situation (God, how I would love that!), but there's also the pov that if your mortgage is at 5% or less, and you can invest at 8-15% return you'd be bottom line better off investing. Like I said, I have no idea if this is right for you, just sharing.
Also - there probably is a penalty for closing out your 401k early - I'm not sure the age, I believe it might be 59 1/2 and after you aren't penalized, maybe? The penalty is not nothin' - worth checking. If you need the money you need the money - but you may have options.

WISHIMAY

Tuesday, January 30, 2018 12:28 AM

Quote:
Originally posted by 6IXSTRINGJACK:
Assuming your house is worth keeping,

Just keep it insured, and keep those tax payments up to date.

Oh... and if you were paying flood insurance because the bank forced you to for living on a flood plane, you probably will want to keep doing so.

Good luck. This is really awesome news. I'm not bullshitting you here. I'm very happy for you. :)

Our house has doubled in value since we've been here. Our county has a massive deficit in housing going on, and once we re-do the shower this spring, every single part of the house will have been remodeled.

We live on one of two hills in our county. The worst flooding we had was last spring, but our hill was completely dry. Don't think we have flood insurance, or would ever need it. We make up for it with extra tornado risk, I guess.

I did know about the taxes, thanks anyway.

WISHIMAY

Tuesday, January 30, 2018 12:41 AM

Quote:
Originally posted by JO753:
Payed the hous off. Soundz like an unreachable fantasy to me. Congrats!

Yeah, but we got a fixer-upper and put a ton of sweat equity into it. It's not for everyone. I don't think I could do it again. I don't know how big your place is, but is it possible to downsize? My mom lived in a camper van for 5 years when she was trying to figure out where she wanted to be. One person doesn't need a ton of space...We've gone minimalist and gotten rid of/sold 80% of our stuff and I think this place is probably too big for us.
When gran goes and the kiddo moves out we will for sure need something much smaller...

1KIKI

Tuesday, January 30, 2018 1:18 AM

Well hey! Great news!

HAS IT NOT OCCURRED TO YOU BY NOW THAT IF YOU HAVE TO RESORT TO LOGICAL FALLACIES AND TROLLING YOUR SO-CALLED ARGUMENTS ARE LIES?

JO753

Tuesday, January 30, 2018 1:43 AM

Put alot uv work in my hous. Its plenty big for me & the cats, but therez only 1 bathroom. Got my machine shop in the basement, so its like I'm getting a house and a shop for less than the rent on a small apartment.

----------------------------
DUZ XaT SEM RiT TQ YQ? - Jubal Early

http://www.7532020.com

WISHIMAY

Tuesday, January 30, 2018 2:48 AM

Quote:
Originally posted by JO753:
Put alot uv work in my hous. Its plenty big for me & the cats, but therez only 1 bathroom.

Are the cats complaining?

I dunno how we did with the one bathroom before...Hubby lives in there. He's got really slow bowels.

6IXSTRINGJACK

Tuesday, January 30, 2018 6:51 AM

Quote:
Originally posted by Wishimay:

Our house has doubled in value since we've been here. Our county has a massive deficit in housing going on, and once we re-do the shower this spring, every single part of the house will have been remodeled.

We live on one of two hills in our county. The worst flooding we had was last spring, but our hill was completely dry. Don't think we have flood insurance, or would ever need it. We make up for it with extra tornado risk, I guess.

I did know about the taxes, thanks anyway.

Nice. If I ever finally getting around to rehabbing everything, I could more than double what I paid for it if the market conditions were right. I hear the housing market has greatly improved since I bought it, but I haven't really been paying attention in my area. I'm not looking to sell for a very long time and I really have some big money things that need doing before any of the lower level work happens.

You would probably know if you had flood insurance. It's a lot more than homeowners insurance in most cases. There's probably a map in your county that you can look at that would tell you what plots are considered a flood risk.

I know what you mean about too much house. I still think back to the other house I was looking at that was $5k more but only around 900 sq feet with a tiny plot. It takes me 1 1/2 hours to mow my lawn and that doesn't include any other lawn care. I really only use about 1/3rd of my house on any given day. I bet that tiny house would have been nice and toasty for my current monthly heating bill. Easier to clean. No flood worries and changing sump pumps in freezing water....

Oh well... It's got its benefits too. I like my neighbors, and I don't have a lot of them. The other house had a lot more people right on top of each other.

Do Right, Be Right. :)