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#1411
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Carole Allen writes: The point of life insurance is to provide for your loved ones - your spouse - (and particularly minor children if you die while they are still financiallly dependent upon your income). On Wed, 05 Oct 2005 10:10:45 +0200, Mxsmanic wrote: So it does not provide for you, which makes it useless if you lose your job. LIFE insurance insures your LIFE. You can have disability insurance, which typically pays something like 40-60% of your wages for a period of time (after a 60-90 waiting period). You can often claim unemployment benefits (the level is based on your earning history and won't replace your entire income) , LIFE insurance does not insure against job loss - it is not designed for that. That's why you should save - so if you lose your job, become far too ill to work, experience a lengthy stretch of unemployment, your house burns down, you go blind, someone hits your car and badly injures you - you have something to fall back on. Even if you have disability, homeowners, auto insurance, there is often a period of months (and in some cases years if there is a dispute over the sum owed) before you receive payments. That's why most financial advisors recommend you have enough cash in the bank to live on for a minimum of 6 months. |
#1412
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On Wed, 05 Oct 2005 10:14:35 +0200, Mxsmanic wrote:
Tim Challenger writes: You are really useless aren't you? Read a book (I recommend the EOD). The idea is not to keep busy but to do something one finds productive or interesting and (especially) discretionary. In other words, it is effectively time that I am at the disposition of my employer, rather that myself, even though I'm not being paid. This is a common complaint among those working under CDIIs. Brush up on some new programming language so you can get a better-paid job. Programming is increasingly outsourced today. But not totally. Lame excuse. Choose another branch. Nip out and take a few photos, you're good at that -I've seen the ones on your site. I don't have enough time to go anywhere outside the neighborhood, and I have to be dressed for school, which precludes carrying a camera. Another even lamer (if there is such a word) excuse. Put the gear in a bag. You can take photos while wearing a suit. Take photos *in* the neighbourhood. I don't believe an urban photographer like yourself could be at a loss for motifs. -- Tim C. |
#1413
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#1414
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On Wed, 05 Oct 2005 10:07:04 +0200, Mxsmanic wrote:
Tim Challenger writes: then some don't, find them. Since such discrimination is illegal and thus not publicly announced, it's difficult to know which ones do and which ones don't. Keep trying. -- Tim C. |
#1415
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On Wed, 05 Oct 2005 10:10:45 +0200, Mxsmanic wrote:
Carole Allen writes: The point of life insurance is to provide for your loved ones - your spouse - (and particularly minor children if you die while they are still financiallly dependent upon your income). So it does not provide for you, which makes it useless if you lose your job. That was just an example. A man of your massive intellect could surely apply the reasoning to unemployment/illness or any other red herring you'd like to throw in. -- Tim C. |
#1416
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On Wed, 05 Oct 2005 10:08:41 +0200, Mxsmanic wrote:
Tim Challenger writes: You call that home? Where? Victim of your own over zealous snipping. Wherever it was you meant when you said "I am already home". -- Tim C. |
#1417
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On Wed, 05 Oct 2005 10:09:20 +0200, Mxsmanic wrote:
Keith W writes: We are the outsourcing, the parent company is in the USA And where are you? But not as well Doing it well usually isn't the goal of outsourcing; doing it cheaply is all that matters. Maybe all that matters to those that use outsourcing. Not the highest priority to those who don't. -- Tim C. |
#1418
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On Wed, 05 Oct 2005 10:11:12 +0200, Mxsmanic wrote:
Tim Challenger writes: Relative to what? Where you're living now? Relative to most places in the world. So? -- Tim C. |
#1420
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Following up to Carole Allen
A dependence on dictionaries is a sign of a weak vocabulary. Or of a curious mind. mixi has a curious mind :-) -- Mike Reid Walk-eat-UK "http://www.fellwalk.co.uk" -- you can email us@ this site Walk-eat-Spain "http://www.fell-walker.co.uk" -- dontuse@ all, it's a spamtrap Photos of both "http://www.lawn-mower-man.co.uk" |
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