No, I don't recall asking your opinion on my injuries or my legal action. I've only asked for financial advice. You have the right to inject your opinion in to the discussion, but don't pretend that it was solicited.
Your right, just that when I say how the money was coming about, I spouted my answer, thats all.
Kevin
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08:24 PM
WhiteDevil88 Member
Posts: 8518 From: Coastal California Registered: Mar 2007
Well, I hope you never have the opportunity to make a tough decision for the welfare of yourself and your family, and you are able to limit yourself to merely being judgemental of others.
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08:58 PM
Lambo nut Member
Posts: 4442 From: Centralia,Missouri. USA Registered: Sep 2003
Well, I hope you never have the opportunity to make a tough decision for the welfare of yourself and your family, and you are able to limit yourself to merely being judgemental of others.
I make decisions for my family very well thank you. Just getting sick and tired of paying higher premiums for other peoples lack of taking responsibility for their own actions. Now days, it's always somebody elses fault....
Kevin
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09:22 PM
84fiero123 Member
Posts: 29950 From: farmington, maine usa Registered: Oct 2004
I make decisions for my family very well thank you. Just getting sick and tired of paying higher premiums for other peoples lack of taking responsibility for their own actions. Now days, it's always somebody elses fault....
Kevin
You have to pay higher premiums on the public liablity insurance for the shopping center that you own because my leg got injured? I'm sorry to hear that. Perhaps you should go take a look at your parking lot and do any necessary repairs before somone gets hurt, I know a $10 bag of asphalt patch would have made my life much easier.
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09:46 PM
Lambo nut Member
Posts: 4442 From: Centralia,Missouri. USA Registered: Sep 2003
You have to pay higher premiums on the public liablity insurance for the shopping center that you own because my leg got injured? I'm sorry to hear that. Perhaps you should go take a look at your parking lot and do any necessary repairs before somone gets hurt, I know a $10 bag of asphalt patch would have made my life much easier.
No, I wasn't directing that all towards you. Higher car insurance premiums come from people not being able to drive, higher house insurance premuims from people building their houses in a flood plain, or leaving candles burning, or smoking in bed, on and on..
It sucks that you got hurt, with the things that played out the way they did, but if I hurt my ankle/leg, by stepping in a pot hole in a parking lot, I would not go looking for someone to make it right, just because the hole was there, and I was not paying attention to where I was walking.
Kevin
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09:59 PM
aceman Member
Posts: 4899 From: Brooklyn Center, MN Registered: Feb 2003
Do you always look down at where you're walking? No, you don't. You have developed a sense of how much of a step a curb step-off should be. Therefore, one doesn not always look down when walking and he would have been fine if someone would have taken care of the pot hole.
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10:02 PM
PFF
System Bot
Formula88 Member
Posts: 53788 From: Raleigh NC Registered: Jan 2001
Do you always look down at where you're walking? No, you don't. You have developed a sense of how much of a step a curb step-off should be. Therefore, one doesn not always look down when walking and he would have been fine if someone would have taken care of the pot hole.
Not ALL the time, I'm watching out for the STOP sign and the trash can too..
Moving on....
Kevin
Edit, forgot smiley
[This message has been edited by Lambo nut (edited 09-05-2007).]
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10:11 PM
USFiero Member
Posts: 4879 From: Everywhere and Middle of Nowhere Registered: Mar 2002
It sucks that you got hurt, with the things that played out the way they did, but if I hurt my ankle/leg, by stepping in a pot hole in a parking lot, I would not go looking for someone to make it right, just because the hole was there, and I was not paying attention to where I was walking.
Again, I hope for your sake that you don't have to prove that. As for my "not paying attention" you assume a lot. I was carrying a bucket seat out of an auto parts store. The store did not have any carts available, nor did they offer to assist me carry out my purchase. I walked out the door and walked around an individual getting something out of the back seat of their car, avoiding their open door, and that's when I stepped in the hole. A hole which by the store manager's admission had been there for well over a year. This is not some opportunist stepping on a grape in the grocery store. This is a hole.
Question, Kevin. Say your car did get hit, or your house did burn down. Are you just going to suffer with your loss so that you can spare the rest of us the burden of higher insurance premiums? If your appendix erupts, are you just going to lump it so the medical insurance industry doesn't lose any profit?
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11:05 PM
jstricker Member
Posts: 12956 From: Russell, KS USA Registered: Apr 2002
1) Pay off every debt you have except your house (you already said that was a gimmee, that's good) 2) Figure out how much it costs you to live for 6 months and put that in a bank CD, probably 3-5 years. Figure everything, rent/mortgage, utilities, food, clothes, insurance, medications not covered by insurance, everything. 3) Now it gets interesting. If you have a mortgage, use half of what's left to pay it down some more. The other half invest in some type of mutual fund. I wouldn't yell at you much if you took a few $K and traveled a bit either. What good is life if you don't live?
John Stricker
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11:21 PM
Lambo nut Member
Posts: 4442 From: Centralia,Missouri. USA Registered: Sep 2003
Question, Kevin. Say your car did get hit, or your house did burn down. Are you just going to suffer with your loss so that you can spare the rest of us the burden of higher insurance premiums? If your appendix erupts, are you just going to lump it so the medical insurance industry doesn't lose any profit?
These circumstances would be out of my control, nor my fault, These are what insurance is for. Seems like an Apples to Oranges comparision to me though.
Question to you, if I may. Did you sue the person getting something out of the back seat of the vehicle, with the door open also? It seems they would be just as much at fault, as the store, since they altered your path, forcing you step in the hole.
Kevin
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11:34 PM
Sep 6th, 2007
WhiteDevil88 Member
Posts: 8518 From: Coastal California Registered: Mar 2007
Either invest wisely or the professional poker player sounds fun. As for what to invest in, You can ask 1000 people and get 1000 answers. The best thing to do is speak with a CFP (Certified Financial Planner) to utilize your funds the best way.
I am not sure about California, But I thought the typical "pain and suffering" was 3 times the total medical bills for an amount and the lawyer gets 1/3 of that as their fee?
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07:10 AM
Cheever3000 Member
Posts: 12400 From: The Man from Tallahassee Registered: Aug 2001
Either invest wisely or the professional poker player sounds fun. As for what to invest in, You can ask 1000 people and get 1000 answers. The best thing to do is speak with a CFP (Certified Financial Planner) to utilize your funds the best way.
I am not sure about California, But I thought the typical "pain and suffering" was 3 times the total medical bills for an amount and the lawyer gets 1/3 of that as their fee?
This gives me two new ideas... take classes to become either a CFP or a lawyer.
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08:08 AM
WhiteDevil88 Member
Posts: 8518 From: Coastal California Registered: Mar 2007
Originally posted by Oreif: I am not sure about California, But I thought the typical "pain and suffering" was 3 times the total medical bills for an amount and the lawyer gets 1/3 of that as their fee?
I'm not sure. I do expect that the settlement will be larger then the sum of the medical, and the agreement with my attorney is 40%. I'm calculating the minimum that I would receive in a worst case would be a number that would be to recompense for my medical expenses. Any more would be nice.
I am not attacking you here, Jeff...more wondering if you can strengthen your case..as it had been there for more than a year, can you find anybody else who fell and injured themselves because of it? precedent lends weight to your side of the case. Nick
A friend of mine just built a big stall, 3 car garage. Its also got a full bath and cathedral cieling space above the whole thing. Its plenty big enough for me to live in. So if I was going to blow $50k I got for free, Id build the same thing on a lot by a lake for a nice summer place. It cost him right about that on his own lot.
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02:35 PM
WhiteDevil88 Member
Posts: 8518 From: Coastal California Registered: Mar 2007
Well, one, I wouldn't call it getting it for free, and ,two, if I wanted to "blow it" I have plenty of imagination on how to burn through cash. A weekend in Vegas could take care of that. Real estate would be nice, but unless I'm buying an abandoned mobile home in the Mojave Desert, there's not much I can touch for fifty thou.
I was hoping that you'd teach me how to pick up 18 year old Hooter waitresses for "photo shoots".
A friend of mine just built a big stall, 3 car garage. Its also got a full bath and cathedral cieling space above the whole thing. Its plenty big enough for me to live in. So if I was going to blow $50k I got for free, Id build the same thing on a lot by a lake for a nice summer place. It cost him right about that on his own lot.
The KEY word here is a lot BY a lake for $50K. Good luck trying to find just a lot ON any worthwhile lake here in MI for $50K, nevermind the cost of building on it.
If was in the same position, reciving money for an injury ( actually, i am in the same position, but court hasnt happend yet ) i would perhaps peel a couple of thousand off the top just to buy something to make me feel better about the whole ordeal, then invest the rest into CD's or something like that.
While buying smeting to make a business off of sounds nice, if i had to think about what to do then i doubt id be commited enough to make it work, and would just waste the money. Having it in cd/bonds/etc is safe, collects interest and would still be there later if i did find something constructive to do.
I was thinking of someone like me who invents things or comes up with something better than the last(just upgraded I guess) and just doesnt have the $$$ to get it going. also have a couple friends who need a littel help getting going with theirs too, but I dont want help. it was just a suggestion.
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06:49 PM
PFF
System Bot
WhiteDevil88 Member
Posts: 8518 From: Coastal California Registered: Mar 2007
If was in the same position, reciving money for an injury ( actually, i am in the same position, but court hasnt happend yet ) i would perhaps peel a couple of thousand off the top just to buy something to make me feel better about the whole ordeal, then invest the rest into CD's or something like that.
While buying smeting to make a business off of sounds nice, if i had to think about what to do then i doubt id be commited enough to make it work, and would just waste the money. Having it in cd/bonds/etc is safe, collects interest and would still be there later if i did find something constructive to do.
Awesome post. Thanks for the advice. You're right, If I don't really know what type of business I would like to do, it would be foolish to plunge my nestegg into something I'm clueless about.
One thing has kept my imagination busy. Way back in the day I used to work for a guy (whom I swear to GODwas a split image of Fred Dalton Thompson.) who went by the name of Mustard Mike. He owned 5 Hot Dog carts that he had independant (cash paid) contractors working for him around the Bay Area. He went out and sold when he wanted to, for special events and such, but mostly he laid around, smoked really good weed, listened to music on really huge Klipsch speakers that looked like they were for an auditorium, and rode his Harley to the horse track. He was a fun boss for a 22 year old. But I digress. I think getting a catering truck and working that on the beach would be a nice job, and I do have a little experience with the food service, as well as the on-location cooking. So I'm thinking a Fish and Chips truck, but I also have to serve something Vegan for the hippies.
On the peeling a couple bucks off for me, I took a look at a 2007 Volvo S80 V8 AWD with 11,000 miles on it today. Nice car.
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07:14 PM
Formula88 Member
Posts: 53788 From: Raleigh NC Registered: Jan 2001
For getting pics, just be nice all the time to them, and ask them. A few might freak out, or just say no but most are flattered that you ask. Helps me that a lot of the others are good references that I wont kidnap or rape them. Also once in a while I take my laptop in so they can browse thru all the photos....then they think ' I can do that !!!! '.
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08:06 AM
DL10 Member
Posts: 2350 From: Bloomington IL Registered: Jun 2000
These circumstances would be out of my control, nor my fault,
Kevin
Ok so what if your wife left something on the stove and that caused the fire. or you were riding your dirt bike and fell off breaking your arm...........those would be your fault but I bet you would use your insurance for them.
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09:51 AM
Jaygee79 Member
Posts: 4259 From: Dartmouth, MA Registered: Mar 2000
1) open up a business, 2) use it to go back to school, 3) use it to pay your hospital bills, 4) invest some in the stock market, 5) use it for collateral to buy some real estate, fix it up, and sell for profit
1) open up a business, 2) use it to go back to school, 3) use it to pay your hospital bills, 4) invest some in the stock market, 5) use it for collateral to buy some real estate, fix it up, and sell for profit