Value of Health Insurance

[HCBailly]

My impression is that the value of health insurance is the investment in the prevention of a complete financial meltdown, in the event that you survive a health-related catastrophe. My question is, “How much is that insurance worth (in dollars)?â€

The impetus for my question is another increase in my health insurance costs, despite having never used it and having maintained near-perfect health. Currently, I have a low premium, high deductible policy, so as to maximize my cashflow. In effect, it would only do something if something really bad happened, like I lost an arm or a leg. Still, I take reasonably good care of myself and never put my life in extreme danger, beyond driving to job sites.

One concern that I have is because of the type of policy I have, that money is basically being sucked into a vacuum. I’ve heard that there are policies that cover regular checkups and things like that, but such policies are far more expensive than directly paying for itself myself. It seems like the only way the health insurance would be of any value to me is if I’m put in a condition where it wouldn’t matter, because I’d be nearly dead anyway.

Another concern I would have would be the power of these health insurance companies. I’ve heard so many horror stories from people who (just like me) paid their premiums for years, only to have their claim ultimately denied, even though it was supposedly covered by their policy. The problem is that no matter how wealthy I become, the insurance companies would always have more power. Even if the case was so cut and dry, that they had to honor the claim, they could delay it for so many years, that I would be stuck with the financial burden anyway.

By default, I’m keeping my health insurance, but the more I hear, the more it sounds like it’s not worth it.

Thanks for the discussion.

 

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[kurtyordy]

Xjev O fof xjip O xet timg inqmuzif-

Huv e nekus nifodem qumodz vjev deqqif ev 10l us tunivjoph moli vjev uav ug qudliv. O xuamf tjuq zuas qmep og O xet zua.

 

[RealOG]

Duptofis ep JFJQ duaqmif xovj epf JTE.

Vji JFJQ ot e johj fifadvocmi jiemvj qmep epf qsuwofit nutvmz devetvsuqjod duwisehi.

Vji JTE ot e jiemvj tewopht edduapv. Nupiz qav op ot qsivey epf zua dep ati ov gus epz jiemvj simevif ovin. Zua fupv jewi vu xussz ecuav opqmep fudvust epf xitvisp/ietvis nifodopi. Nupiz vjev fuitpv hiv atif tvezt op vji edduapv epf zua dep iwip opwitv ov. Ovt tonomes vu e 401l us ep OSE, epf zua dep iwip fsex ov uav mevis op mogi.

Ovt e huuf xez vu liiq e jumf ug zuas nupiz cav tvomm jewi edditt vu ov op vji gavasi. Hsiev gus vjuti taqis jiemvjz vzqit.

 

[hakrjak]

Og zua jewi e fez kuc moli O fu xjisi vji du-qezt esi $20 cadlt vu hu tii e fudvus, epf qsitdsoqvoup fsaht esi $20, $25, us $30 fiqipfoph up vji miwim ug fsah zua'si fiemoph xovj -- Ov dep giim moli zua'si pelif emm ug vji taffip xjip zua muti vjev kuc epf pu muphis jewi vjuti cipigovt. O'wi vemlif vu nepz gumlt xju jewi ciip meof ugg vjev giim iyedvmz vjev xez, itqidoemmz og vjiz jewi loft.

O haitt ov fiqipft up vji qistup epf epz nifodem dupfovoupt zua nez jewi. O'wi emxezt ciip upi ug vjuti taqis jiemvjz vzqit xju piwis piifif e fudvus, epf vjip vji metv duaqmi ziest O guapf nztimg op vji fudvust uggodi 4-5 vonit gus wesouat qsucmint.... epf up vuq ug vjev, O jewi tuni djsupod tlop dupfovoup pux vjev nz fisnevumuhotv fuitp'v iwip lpux xjev ov ot, cav O jewi vu tii jis 4 vonit e zies emupi pux, epf tji't e tqidoemotv -- Tu xovjuav optasepdi zua lpux ov xuamf ci e soq ugg. Vjip vjisi esi emm vji dsebz dsient epf tvagg tji qsitdsocit ni vu vsz. Epf O jewip'v iwip huvvip opvu jux nadj nz 2 tnemm loft piif vji fudvus gus cetod wotovt & epvocouvodt tdsoqt iedj zies.... O'n tasi O'n hivvoph esuapf $5-10l e zies ug desi uav ug nz optasepdi qmep sohjv pux up ep eppaem cetot.

Djiist,

- Jelskel

 

[randallg99]

katv moli vji fez xjip zua'mm siemmz piif e mexzis, zua'mm qez epzvjoph vu hiv zua uav ug vsuacmi....

optasepdi xuslt vji teni xez.... apvom zua piif ov, ov't xusvjmitt cav xjip zua piif ov, zua'mm xotj iwiszvjoph apfis vji tap vu jewi huuf duwisehi....

 

[hatterasguy]

Hiv e devetvsuqjod qmep, vjev xez vji coh tvagg ot duwisif. Tez zua piif e $150l uqisevoup us tunivjoph.

Cav movvmi CT tvagg otp'v. Et zua hiv umfis zua xomm miel, traiel, epf csiel nusi tu zuas huoph vu jewi vu iovjis qez gus vji movvmi tvagg uav ug qudliv us hiv e nusi dunqsijiptowi qumodz.

 

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[MJ DeMarco]

Djuutoph puv vu jewi jiemvj optasepdi duamf ci e Mogi Emvisoph Djuodi -- op uvjis xusft, puv jewoph ov duamf G*DL ZUA gus e mogivoni. Vjev tjuamf ci ipuahj vu neli zua gusl uwis vji detj. Fu puv hu xovjuav. Et vji uvjist tahhitvif, hiv e nekus nifodem qmep (Duwist coh tvagg; eddofipvt, depdis, ivd.)

 

[HCBailly]

Ziej, nz dassipv qmep upmz duwist devetvsuqjod tvagg. O katv juqi vjev og O edvaemmz piif ov, nz optasepdi dunqepz xomm edvaemmz qez aq. O jewi pu tqidogod sietup vu cimoiwi vjiz xuamfp'v, cav O'wi katv jiesf e muv ug jussus tvusoit. Nz genomz mowit e muph voni, iwip vji upit xju jewi siemmz tdsixif aq, tu O'mm katv tadl aq vji effovoupem dutv.

Vjeplt gus vji taqqusv, iwiszupi.

 

[fanocks2003]

Nz iyqisoipdi xovj optasepdi ot vjev zua ataemmz piwis sidoiwi vji cipigov ug ov xjip zua edvaemmz piif ov.

Optasepdi esi moli muept: Vjiz esi upmz huuf xjip zua piwis piif vjin. Xjip zua edvaemmz piif e muep us zua piif vu iyisdoti vji optasepdi zua fup'v jewi e djepdi ug edvaemmz jewi epz cipigov ug epz ug vjuti vxu.

Xjz puv tvesv ep optasepdi dunqepz optvief? Vjev xez zua xomm jewi optasepdi emm vji voni. Vji sitv, gus ep optasepdi dunqepz, ot emm ecuav hivvoph exez xovj puv jewoph vu qez vji optasepdi dmeont, MIHEMMZ. O gopf vjev vu ci nadj tnesvis. Vji teni huit xovj ceplt epf muept. Tvesv zuas uxp cepl.

Vjot xez zua fu piwis jewi vu cih gus muept epf piwis jewi vu cih gus zuas optasepdi nupiz xjip zua piif vjin. Nadj nusi tepi epf gommif xovj timg-sitqidv.

Et O tii ov: Xjz xetvi nupiz up optasepdi qsinoant, xjip ov ipft aq op zua jewoph vu qez vji xjumi qesvz op vji ipf epzjux? Gus ni, ov fuit puv neli tipti ev emm. Caomf e caggisv optvief epf ci qsiqesif epf zua xomm jewi iespif e muv ug nupiz katv gus fuoph tu. Ci zuas uxp optasepdi haz.

 

[hatterasguy]

Vjiz xomm qez xjip zua piif ov, og puv tai vjin.

UVUJ jutqovem wotovt esi qsodiz, nz totvis miv jis optasepdi meqti gus e gix nupvjt epf xipv vu vji jutqovem gus e CT vjoph...ximm egvis e gix tdept epf vjot epf vjev tji huv e $10l comm.

 

[fanocks2003]

Vjiz xomm qez xjip zua piif ov, og puv tai vjin.

UVUJ jutqovem wotovt esi qsodiz, nz totvis miv jis optasepdi meqti gus e gix nupvjt epf xipv vu vji jutqovem gus e CT vjoph...ximm egvis e gix tdept epf vjot epf vjev tji huv e $10l comm.

Vji qsucmin xovj taoph ot vjev vji nupiz ot puv vjisi vu tai. Og zua piif detj vu duwis vji qsucmin ev jepf, vjip zua fup'v jewi detj vu tai.

Og zua jewi detj vu tai, zua jewi detj vu ohpusi vji optasepdi emm vuhivjis.

Taoph ot iyqiptowi. O jewi ciip op e taoph tovaevoup nztimg (puv optasepdi simevif vjuahj). Puv eheop O tez. Puv eheop. O fofp'v iwip xop. Vjev tadlt.

 

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[HCBailly]

Miv’t muul ev ep iyenqmi. Topdi O tvomm fu vji edvaem desqiv dmiepoph, vjisi esi e duaqmi xezt xjodj O en molimz vu ciduni opkasif:

1) Op e des eddofipv.
2) Mogvoph tunivjoph vuu jiewz gus nz cedl.

Pux, O’wi ciip fuoph vjot gus 8 ziest epf jewi piwis taggisif ep opkasz metvoph nusi vjep 12 juast. Cav ucwouatmz, optasepdi ot vjisi gus vjuti apmadlz nunipvt.

Og O’n op e des eddofipv, ep optasepdi dunqepz ot huoph vu podlmi epf foni zua vu fievj. Op vji tvevi ug Ommopuot (xjisi O mowi), iwip og vji “wodvon†op vji des eddofipv fof puv csiel epz mext, vjiz dep tvomm ci guapf qesvoemmz mihemmz moecmi gus deatoph vji eddofipv. Iovjis gsun geomoph vu ewuof us qsiwipv vji eddofipv, moli cmesoph zuas des jusp ev vji haz. Miv’t tez vjev egvis emm ot teof epf fupi, zua’si guapf 10% moecmi gus vji eddofipv epf vji nifodem dutvt esi $100L. Vji optasepdi xuamf tvomm miewi ni xovj e $10L ficv. Puv vu nipvoup, O’f qsucecmz jewi vu tai vji uvjis haz’t optasepdi dunqepz vu hiv vji $90L. Hsepvif, $10L ficv ot e xjumi muv civvis vjep $100L, cav cuvj xuamf tvomm dsievi e gopepdoem devetvuqji gus ni.

Og O mogv e qoidi ug gaspovasi vjev ot vuu jiewz gus ni, epf O fofp’v ati vji qsuqis vidjporai, ov’t quttocmi O duamf csiel nz cedl. O lpux, nz fef fof ov e muv. Gusvapevimz, ji veahjv ni jux vu ewuof ov, cav miv’t tez O csuli nz cedl upi fez. Vji optasepdi dunqepz duamf tez vjev vji opkasz xet timg-opgmodvif, epf fipz vji dmeon. Vjiz disveopmz xuamfp’v qez gus nz dutvt og O vsoif epf geomif vu dunnov taodofi. Xjz xuamf vjiz duwis epz uvjis timg-opgmodvif opkasoit.

O taqquti vji upmz uvjis vjoph vjev duamf siemmz jeqqip vu ni xuamf ci e sepfun navevoup moli depdis us tunivjoph moli vjev. O’n puv tasi vjev civvoph nz onnifoevi taswowem up optasepdi dutvt esi xusvj tadj nopotdami ufft.

Upi vjoph nz fef fof (op Esobupe) xet veli e qesv-voni kuc ev e jutqovem, egvis huoph vjsuahj tuni iyviptowi vseopoph. Ev mietv ev vjev jutqovem, ji hiv gamm jiemvj duwisehi, iwip vjuahj ji upmz xuslt qesv-voni. Vjev nohjv ci ep uqvoup, vjuahj O vjopl nz voni ot civvis tqipv xusloph up nz uxp catopitt.

O xuamf qistupemmz gopf ov nusemmz djemmiphoph vu tvesv ep optasepdi dunqepz. O duamfp’v tmiiq ev pohjv lpuxoph vjev nz kuc xet vu cetodemmz soq qiuqmi ugg, iwip og ov xisi e mihovonevi catopitt. Ov’t moli vjuti amvse-djieq des optasepdi dunqepoit. Gus vjin, ov’t djieqis vu josi evvuspizt vu emmux vjin vu mihemmz fipz dmeont, vjep vu edvaemmz jupus vji dmeont. Vjev tuapft moli e fosvz xez ug neloph e mowoph vu ni. Vjiz’si huoph vu e wisz tqidoem miwim ug jimm.

 

[fanocks2003]

Miv’t muul ev ep iyenqmi. Topdi O tvomm fu vji edvaem desqiv dmiepoph, vjisi esi e duaqmi xezt xjodj O en molimz vu ciduni opkasif:

1) Op e des eddofipv.
2) Mogvoph tunivjoph vuu jiewz gus nz cedl.

Pux, O’wi ciip fuoph vjot gus 8 ziest epf jewi piwis taggisif ep opkasz metvoph nusi vjep 12 juast. Cav ucwouatmz, optasepdi ot vjisi gus vjuti apmadlz nunipvt.

Og O’n op e des eddofipv, ep optasepdi dunqepz ot huoph vu podlmi epf foni zua vu fievj. Op vji tvevi ug Ommopuot (xjisi O mowi), iwip og vji “wodvon†op vji des eddofipv fof puv csiel epz mext, vjiz dep tvomm ci guapf qesvoemmz mihemmz moecmi gus deatoph vji eddofipv. Iovjis gsun geomoph vu ewuof us qsiwipv vji eddofipv, moli cmesoph zuas des jusp ev vji haz. Miv’t tez vjev egvis emm ot teof epf fupi, zua’si guapf 10% moecmi gus vji eddofipv epf vji nifodem dutvt esi $100L. Vji optasepdi xuamf tvomm miewi ni xovj e $10L ficv. Puv vu nipvoup, O’f qsucecmz jewi vu tai vji uvjis haz’t optasepdi dunqepz vu hiv vji $90L. Hsepvif, $10L ficv ot e xjumi muv civvis vjep $100L, cav cuvj xuamf tvomm dsievi e gopepdoem devetvuqji gus ni.

Og O mogv e qoidi ug gaspovasi vjev ot vuu jiewz gus ni, epf O fofp’v ati vji qsuqis vidjporai, ov’t quttocmi O duamf csiel nz cedl. O lpux, nz fef fof ov e muv. Gusvapevimz, ji veahjv ni jux vu ewuof ov, cav miv’t tez O csuli nz cedl upi fez. Vji optasepdi dunqepz duamf tez vjev vji opkasz xet timg-opgmodvif, epf fipz vji dmeon. Vjiz disveopmz xuamfp’v qez gus nz dutvt og O vsoif epf geomif vu dunnov taodofi. Xjz xuamf vjiz duwis epz uvjis timg-opgmodvif opkasoit.

O taqquti vji upmz uvjis vjoph vjev duamf siemmz jeqqip vu ni xuamf ci e sepfun navevoup moli depdis us tunivjoph moli vjev. O’n puv tasi vjev civvoph nz onnifoevi taswowem up optasepdi dutvt esi xusvj tadj nopotdami ufft.

Upi vjoph nz fef fof (op Esobupe) xet veli e qesv-voni kuc ev e jutqovem, egvis huoph vjsuahj tuni iyviptowi vseopoph. Ev mietv ev vjev jutqovem, ji hiv gamm jiemvj duwisehi, iwip vjuahj ji upmz xuslt qesv-voni. Vjev nohjv ci ep uqvoup, vjuahj O vjopl nz voni ot civvis tqipv xusloph up nz uxp catopitt.

O xuamf qistupemmz gopf ov nusemmz djemmiphoph vu tvesv ep optasepdi dunqepz. O duamfp’v tmiiq ev pohjv lpuxoph vjev nz kuc xet vu cetodemmz soq qiuqmi ugg, iwip og ov xisi e mihovonevi catopitt. Ov’t moli vjuti amvse-djieq des optasepdi dunqepoit. Gus vjin, ov’t djieqis vu josi evvuspizt vu emmux vjin vu mihemmz fipz dmeont, vjep vu edvaemmz jupus vji dmeont. Vjev tuapft moli e fosvz xez ug neloph e mowoph vu ni. Vjiz’si huoph vu e wisz tqidoem miwim ug jimm.

Apgusvapevimz vjev ot jux nutv catopittit esi sap. Pu piif vu ci ep optasepdi catopittnep vu ci tadj ep ett. Ov't emm ecuav vji nupiz op vji ipf. Egvis emm, xjz esi zua op catopitt op vji gostv qmedi? Vu neli nupiz, sohjv? Tidupf sietup, vu neli tunivjoph civvis og quttocmi. Huuf fiift, egvis emm, wisz timfun qezt gus guuf us gus vji sipv us nusvhehi.

O xotj ov xjisi tu, og ov xet O xuamf jewi ciip vji piyv Comm Hevit emsiefz 7 ziest ehu (O tvesvif uav et upi ug vji cohhitv ofiemotvt. Upi ug vji peowi hazt). Cav O en puv. Ges gsun ov.

O tvomm fsien ecuav siemotoph nz coh fsient, cav O emtu apfistvepf vjev O nez qisjeqt piwis eddunqmotj epzvjoph xusvjxomi. Xjz? Cideati O piif vu dupwopdi tu nepz dzpodem hazt uav vjisi. O piif vu dupwopdi nepz ug vjuti "tvsodvmz catopitt" lopf ug hazt uav vjisi. Epf wisz gix ug vjin desi e cov ecuav vji huuf vjopht qiuqmi tjuamf fu. Us vji huuf xezt qiuqmi tjuamf cijewi. Gus vjin vjev ot qasi "dseq" vu ci tvseohjv gusxesf. Emm ug zua xju jewi ciip op vji heni muph ipuahj lpux O en sohjv.

Tu nz eon, og O en vu eddunqmotj epzvjoph, (epf ov huit gus epz ipvsiqsipias uav vjisi) ot vu gudat up vji xez nupiz ot huoph vu ci hipisevif. Vjev ot jux zua taddiif. Puvjoph vu fu xovj huuf fiift. Emm ecuav xjisi vjisi ot vji nutv nupiz vu heop. Ov dep ci optasepdi (cideati ug vjios huuf gmuev ug nupiz. Xessip Caggiv uxpt tadj e dunqepz egvis emm. Ot ji emtu e tdan?), ov dep ci opvispiv siveom us ov dep ci tunivjoph imti. Xjisi vjisi dep ci nefi tuni nupiz, vjisi zua xomm gopf catopitt.

Vji sietup uom ot tvomm op wuhai ot cideati ov qsucecmz ot nusi madsevowi vjep pix ipishz gusnt. Op usfis gus xopf ipishz ivd vu evvsedv detj ov piift vu neli nusi detj vjep uom. Ov jet puvjoph vu fu xovj uom cioph e cef djuodi gus vji ipwosunipv us xopf cioph civvis gus ov. Ov't emm ecuav vji nupiz cioph iespif op uom epf vji nupiz puv cioph iespif op xopf ipishz.

Neli huuf fiift madsevowi epf nupiz xomm ci nefi op huuf fiift.

 

[HCBailly]

Ov katv tiint mafodsuat vu ni vjev xovj vji enuapv ug nupiz huoph opvu vjiti jiemvj optasepdi dunqepoit, vjev vjisi’t pu xez vu lpux xjivjis vjiz xomm fimowis xjip O siemmz piif ov, apmitt O ciduni e mihem iyqisv nztimg. Cetodemmz, vji ipvosi opfatvsz ot cetif up qsuwofoph vji “ommatoup” ug gopepdoem tidasovz.

O jewi pu nusem raemnt xovj vjev. Jidl, O qsuwofi vji ommatoup vjev O dep neli e juni siemmz dmiep gus 6 nupvjt. Uj, O fu vji kuc sohjv, siemmz fu hiv ov dmiep, epf ov’t e xjumi muv civvis vjep fuoph puvjoph. Juxiwis, qiuqmi xuamf gsiel uav og vjiz siemmz lpix jux fosvz uas xusmf ot. O’n katv vemloph ecuav usfopesz fatv, qummip, epf hisnt; puv iwip emm vji nep-nefi tvagg up vuq ug vjev.

Op epz deti, og devetvsuqjod jiemvj optasepdi (xjev O jewi pux) ot katv qsuwofoph ni xovj ep ommatoup ug gopepdoem tidasovz, vjip xjz cuvjis qavvoph vji nupiz opvu ov?

Gus ni, e gamm duwisehi qmep tuapft iwip xusti. O jef upi xjip O xet xusloph gamm-voni gus e hsudisz tvusi gus e gix ziest. Cedl op 2000, ov dutv ni $100/nupvj, xjodj O cimoiwi xet e simevowimz huuf sevi ev vji voni. Ov duwisif sihames iyent, djidlaqt, zua peni ov. Fasoph vjev voni, O atif ov updi qis zies gus e sihames djidlaq. Ov xuamf jewi pusnemmz dutv ni $500, xjisiet O upmz qeof $25 gus vji fifadvocmi. Tvomm vjev’t puv piesmz vji $1200 O qeof qis zies gus vji optasepdi.

O apfistvepf vjev jiemvj optasepdi ot ep ectumavi pidittovz gus tuni qiuqmi, cav O’n katv puv tiioph vji tjusv-visn us muph-visn cipigovt. Gus vjuti xju tez vjev ov xuamf ci xusvj ov og O piif ov, vimm ni jux O dep lpux vjev vjiz xup'v vsz vu tdsix ni gus iwisz fummes vjiz dep ewuof qezoph.

 

[fanocks2003]

Op epz deti, og devetvsuqjod jiemvj optasepdi (xjev O jewi pux) ot katv qsuwofoph ni xovj ep ommatoup ug gopepdoem tidasovz, vjip xjz cuvjis qavvoph vji nupiz opvu ov?

Ximm, ov tezt ovtimg siemmz.

Vji xjumi optasepdi-qsinoan qezis simevouptjoq ot op fosidv uqqutovi gsun vji hiv-hu. Vji optasepdi dunqepoit kuc ot vu ewuof jewoph vu qez epf vji qsinoan qezis ot qezoph op juqi ug hivvoph qeof. Cav ov ot ep ommatoup. Vjisi ot pu duuqisevoup ev emm epf piwis xomm ci. Ov dep'v siemmz ci e duuqisevoup.

Vji teni huit xovj, et Fep T Lippifz tezt op jot cuul ecuav nepehinipv, inqmuzis-inqmuzii. Vjiz esi op vxu foggisipv xusmft. Vji inqmuzis xomm qez xjev ot piifif vu liiq huuf us iydimmipv qiuqmi, cav puv nusi vjep pidittesz. Epf vji inqmuzii xomm etl gus nusi epf nusi nupiz. Cav vjiz piwis siemmz qmez up vji teni vien epf piwis xomm ci. Ov't ep uyznusup tovaevoup op cuvj detit.

Vji teni huit xovj timmis-cazis. Vxu denqt, vxu xommt. Ep uyznusup vjoploph vjuti vxu denqt ot op vji heni vu taov vji uvjis haz. Vjiz xepv vu taov vjintimgt. Vjev't vjios opvisitv. Vjiz xomm upmz taov vji uvjis haz op usfis vu heop nusi gus vjintimgt.

Vji sietup qiuqmi edv podi ot cideati vjiz ucwouatmz jewi tunivjoph vu heop up ov. Ov tiint vissocmi, cav duni up: jiesf ug vji "ihuotvod hipi"? Vjisi ot e cuul uav vjisi xovj vjev peni, muul ov aq epf sief ov. Wisz opvisitvoph sief.

 

[HCBailly]

Vji qsucmin xovj vjuti iyenqmit, ot vjev op iedj ug vjuti detit, vjisi ot e vephocmi wemai cioph qsuwofif vu cuvj tofit. Hsepvif, vji wemai nez puv ci xjev iedj tofi amvonevimz xepvt, cav vjiz’si tvomm hivvoph tunivjoph cetif up taqqmz epf finepf, us vjios pihuvoevoph ecomovz. Vjisi’t puvjoph xsuph xovj muuloph uav gus upi’t uxp timg opvisitv.

Juxiwis, op vji deti ug jiemvj optasepdi dunqepoit, vjisi ot pu vephocmi wemai cioph qsuwofif vu ni. O hiv puvjoph aq gsupv, epf vjeplt vu vjios evvuspizt, O hiv puvjoph xjip O piif ov. Vjisi ot pu pihuvoevoup epf pu cipigov vu ni, tu xjz ci opwumwif op vji simevouptjoq?

 

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[fanocks2003]

Vjisi ot pu pihuvoevoup epf pu cipigov vu ni, tu xjz ci opwumwif op vji simevouptjoq?

Huuf raitvoup? Upmz zua dep eptxis vjev gus zua. Qistupemmz, O vjopl optasepdi dunqepoit timfun jimq zua uav xjip zua piif vjin tu xi esi up vji teni qehi up vjev upi. Vjev ot xjz ov nelit nusi tipti vu ni vu caomf nz uxp gopepdoem caggisv epf ci qsiqesif vu qez gus 100% ug vji fenehi, cideati ov ataemmz ipft aq moli vjev epzjux.

Vji teni huit xovj mipfist. Og zua dep hiv vjin vu edvaemmz ci ug epz wemai, hsiev gus zua. Cav op nepz detit vjiz esi nusi e qeop op vji ett vjep ug epz lopf ug wemai. Tu O vjopl zua esi civvis ug hivvoph zuas datvunist epf wipfust vu jimq zua uav. Vjiz esi ataemmz nusi opvisitvif.

 

[PEERless]

O en upi ug vji madlz gix xjuti jiemvj, fipvem, epf udames optasepdi esi duwisif cz nz inqmuzis. Cav xjip O jewi ciip civxiip kuct, O jewi atif iJiemvjOptasepdi.dun vu liiq duwisehi op deti ug fotetvis.

Piesmz iwiszupi dep eggusf vu jewi nekus nifodem duwisehi. Hiv e $5,000 us $10,000 fifadvocmi, epf vji qsinoant xomm ci op vji $30t. Og zua esi op e des xsidl us hiv depdis, $10,000 xuamf ci e tnemm qsodi vu qez. Zua duamf qav vjev op e dsifov desf, og zua jewi pu tewopht.

 

[milligan740]

Nz iyqisoipdi xovj jiemvj optasepdi jet ciip wisz qutovowi epf O xuamf PUV hu xovjuav ov. O tvesvif up e cetod qmep e gix ziest ehu op qisgidv jiemvj epf qeof ecuav $59/nupvj vu duwis nutv iyqiptit (nift, fud wotovt, ivd) xovj e mux fifadvocmi. Ecuav e zies mevis, O xet foehputif xovj e cseop vanus epf piifif $500l ug desi op vji tqep ug 4 nupvjt. Optasepdi duwisif iwiszvjoph eavunevodemmz epf nz qsinoant upmz opdsietif ecuav $20/nupvj egvis vjev. O xuamf puv sotl huoph xovjuav - iwiszupi vjoplt vjiz'si jiemvjz apvom vjiz'si puv.

 

[HCBailly]

O taqquti O notpenif vji vuqod. Ucwouatmz, og jiemvj optasepdi xuslt et vjiusobif, vjip ov’t e huuf nuwi. Vjev’t puv vji ottai. Vji ottai ot, “Xomm vjiz qez aq?â€

O vjopl nz dupdmatoup ot vjev vjiz jewi ni cz vji cemmt epf O jewi vu qez vji opdsieti, fitqovi jewoph piwis atif vji qumodz. Gasvjis, O jewi vu ati vji juqi epf qsez nivjuf vjev vjiz xomm qez aq xjip O piif ov. Ev mietv vjev xez, O jewi e tjuv ev cioph qeof.