Friday, March 24, 2006

Nickeled and Dimed,

When you are on your own, you pay for it. My monthly health insurance premium just went up to more than $900.00. When I lose my COBRA coverage next month, my own plan will be more than $1000 a month. I have a $100.00 co-pay for Imitrex, a migraine medication. I can treat my migraines with pain medication at roughly $.75 a pill, or I can take an Imitrex injection at $50.00 a shot. What would you do?

In addition to my family's health insurance, I maintain life insurance, homeowner's insurance, automobile insurance, professional liability insurance, long term disability insurance, and I probably have an insurance policy that covers the fact that I have so much insurance.

Now, here is where it really hurts- the life insurance people charge me extra because I occasionally go hiking and do karate. (Kahhh-Rahhh-Tayyy). I do these things to stay healthy. And so I pay extra because I am healthy enough to do these things. If I were substantially less fit and lazy, I would not do these things, and I would pay less for life insurance. Statistically, I am less likely to die on a day hike than a sedentary, cardiovascularly challenged individual is to die from a heart attack on any given day, but because his behaviour is normal, while I am an outlier, he pays less, and I pay more. So why is the couch potato rewarded economically for being a couch potato?

Wednesday, March 22, 2006

Pissant strikes again.

In the movie "The Ice Harvest", the Randy Quaid character calls the John Cusack character a "pissant lawyer." In the novel A Darkness More than Night the cop turned murderer calls his own lawyer a "pissant." Seems like I have my finger on the pulse.

Did I mention that I am getting sued? Seems like a Pissant Lawyer on the other side of a case I have thinks that he should include me as a defendant since I had the audacity to advise my client in a manner I saw fit. You know what? Big Time Lawyers don't sue one another. They make enough billing their Major Clients for their Prestigious Law Firms, so they do not have to go after each other. Maybe there is a movie in this: Pissant vs. Pissant. Pissant v. Big Time. Alien v. Predator. King Kong v. Godzilla. Would anyone pay to see this?