I Just Averaged My Paychecks

Topic: I Just Averaged My Paychecks (Read 3532 times) previous topic - next topic

I Just Averaged My Paychecks

Reply #15 – November 21, 2010, 09:53:10 PM

my work provided insurance is 80 bucks a week and covers diddly squat. the co pay is $100 bucks for emergency and $60 for a regular doctors visit(even though it cost me 50 bucks to see a doctor without it and makes no difference in the time it takes to see one) AND still have to pay for a referral.
good thing they didnt tell me about "open enrollment" untill it was 2 hours too late to sign up for it :/
heavily considering welfare insurance since my tax bucks pay for it anyway but have too much pride to go there to apply for it.

I Just Averaged My Paychecks

Reply #16 – November 21, 2010, 09:54:36 PM

depending on where you live, you may be able to pick up a job driving semi-locally.. still out of state, but still home every night with a good paycheck

I Just Averaged My Paychecks

Reply #17 – November 21, 2010, 10:26:14 PM

Quote from: Ductape91;342635

my work provided insurance is 80 bucks a week and covers diddly squat. the co pay is $100 bucks for emergency and $60 for a regular doctors visit(even though it cost me 50 bucks to see a doctor without it and makes no difference in the time it takes to see one) AND still have to pay for a referral.
good thing they didnt tell me about "open enrollment" untill it was 2 hours too late to sign up for it :/
heavily considering welfare insurance since my tax bucks pay for it anyway but have too much pride to go there to apply for it.

Right after I had my kid, I added him and my wife to my insurance. I was paying $480 a check, not a month, getting paid every two weeks. Good thing he was born at the end of november, otherwise I would have gone bankrupt just trying to pay the insurance.

After getting the wife and kid dropped back off the insurance, my doctors office went from charging me $50 a visit, to $25. I asked them why, and they said whenever insurance is involved, the price doubles and then some. Paying out of pocket saved me more then 50% when I actually did see the doctor, and minus the $900 I paid for the month I had my family insured, I no longer have any problem keeping a little bit of money just in case something did happen.

After paying about 10g's out of pocket when my kid was born, while I had insurance, I wonder what it would of been if I would have been un-insured. I paid $900 for an ambulance that my wifes work called, it also took them more then an hour that I had to drive to get her there.

I talked to someone at domino's when I was working there about it, he said that when he found out his wife was pregnant, he went to the hospital with $1500 cash, told them he had no insurance and asked what it costs to have a kid. He claims that they said $1000 to $2000. So he put the $1500 on the table. When the kid was born, he said he was never sent any bill.

I Just Averaged My Paychecks

Reply #18 – November 21, 2010, 10:36:03 PM

Haystack,what kind of work do you do now? I'm working at a Veteran's Center. Long term nursing for Veteran's. I train new people and run one of the Units (floors).

I Just Averaged My Paychecks

Reply #19 – November 21, 2010, 10:43:12 PM

Quote from: Thunder Chicken;342617

Scott, that's why I got out of the TC Electronixx thing. Sometimes, when you run the numbers, it makes you wanna puke. Now that I'm working I actually have enough money to pay the bills...

I make the bills, even have a little extra at times. It's the amount of work & lack of a schedule that's not adding up in the pay checks. For $40 a week less, I can have a schedule and not have to worry so much about the ankle biters growing up in day care. That, alone would save me $200/month. It's just the waiting on the applications going through that I'm doing, now.

Quote from: 20thanniver-ls;342619

You have a CDL, correct? I don't know how you feel about being gone through the week, but have you thought about going over the road? My Dad is a company driver for a flatbed company, he makes pretty good money, and is home every weekend on Friday evenings most weeks. Just a thought.

I've thought about it. It would get the bank funds way past where I would like them to be, but I'm spoiled not having to be gone. There's no dire need to make bookoos of money, just a little less hours or a little more pay. I don't forsee either going on with my current job.

Quote from: turbo_88_XR7;342637

depending on where you live, you may be able to pick up a job driving semi-locally.. still out of state, but still home every night with a good paycheck

That's the problem, I do drive a truck, locally, for a national company

I Just Averaged My Paychecks

Reply #20 – November 21, 2010, 10:50:23 PM

.. your company must not pay as well as the local drivers make here.. whether for a local or national company

I Just Averaged My Paychecks

Reply #21 – November 21, 2010, 11:16:06 PM

Another possibility is driving a cement truck or dump truck. IMI pays pretty good and has very good benefits from what I hear. There's plenty of construction going on at Ft. Campbell to keep them busy for a while.

I Just Averaged My Paychecks

Reply #22 – November 22, 2010, 12:27:13 AM

It's very difficult to find -any- job these days. I graduated highschool last June, and I've been trying to get a job since. No luck at all. I've applied at over 50 places, many places twice now. Always give a call a few days later, completely open schedule, etc. I've gotten only 2 interviews since, and neither place hired me. It's crazy, not even McDonalds is hiring!!!

I graduated 4th in my class, but with no money I figured I'll get a full time job and save up some money; figure out where to go next. Throw some money at the Thunderbird, maybe finance a beater truck to establish credit. But nope...been stuck at home.

I Just Averaged My Paychecks

Reply #23 – November 22, 2010, 01:58:22 AM

I don't know about Utah, Haystack, but here in Missouri, 2 grand wouldn't begin to cover the delivery room, let alone everything else.
I saw one of the bills when Cole was born, I think it was a tad over 7 thousand..and that was just one..fwiw, he had no complications, etc.

I Just Averaged My Paychecks

Reply #24 – November 22, 2010, 04:10:54 AM

Yeah, 7 grand was about the average cost for each of our kids. Very typical, no complications births. I can't remember how much it was out of pocket if anything. My ins is ridiculous. It's about matches my annuity, 7.40 something an hour out of the top. If you don't work enough hours you don't get the coverage. With work being as slow and spotty as it has been the last 3 years I've been nervous about not making the hours but so far we've made it. I hope things start booming again soon. If the economy was normal I'd have a turbo coupe to wrench on sitting next to the stang inside our addition.

My father made the mistake of staying with the same company his whole life. He was many times over the man ill ever be. He busted his ass for us. When he passed away (age 55 from CJD) i found out that he was only making 16 dollars an hour and he was the "senior" driver there. I don't know how the hell he did it, but he definitely went without so we didn't have to. He was driving a rig for a local box company. (CDL) I know a kid i want to HS with got a CDL job out of trucking school for a local company making around 25 an hour. I'm sure they pay ranges widely for those jobs. If i were single i wouldn't mind cross country driving for awhile. It would be great to see more of the country. Only other 2 jobs i were ever really interested in were getting back into a machine shop or wood shop, or becoming a heavy equipment/crane operator. Elevator installers and maintenance guys make decent bank. Anyway, i guess all i'm saying is look around, don't settle and don't get taken advantage of.

Sorry for the loopy rantish reply. It's late.

I Just Averaged My Paychecks

Reply #25 – November 22, 2010, 05:59:19 AM

hey, your doing better than i am, i make roughly 5.50 an hour after taxes....my insurance is $15 a week and so far it has been awesome...i have a $20 copay for doctors visits and no copay for ER visits and it has picked up the entire bill every time i have been.

i'm seriously considering dropping to the minimum number of hours to keep my insurance and putting an ad in the paper as a general handyman/mechanic... i make more on average a month in my spare time doing odd jobs that i happen to pick up from hearing someone mention needing it done than i do from my current job... BTW, i am a "production worker" at pizza hut... it pays the bills, but thats all it pays, my fiancée's checks are our "spending money"

I Just Averaged My Paychecks

Reply #26 – November 22, 2010, 07:30:36 AM

My insurance ...I hadn't even considered that ...I pay about $100 a week to cover me and my wife.

I Just Averaged My Paychecks

Reply #27 – November 22, 2010, 02:45:12 PM

We don't pay anything for health/dental/eye insurance.. it's all covered by the Union.

Roger is actually thinking of changing jobs, he found out about one that would practically triple his net pay (they also provide hot food on the job site 24/7 at no cost to him, and provide his place to stay when he's gone)... full benefits after 90 days for him and the entire family.
Bad part is he'd be gone 3 weeks and home for one.... but it would definitely be worth it for the money.

I Just Averaged My Paychecks

Reply #28 – November 22, 2010, 05:18:44 PM

I must be the only one white-knuckling it with no insurance...

I Just Averaged My Paychecks

Reply #29 – November 22, 2010, 06:46:28 PM

Quote from: CoogarXR;342725

I must be the only one white-knuckling it with no insurance...

you arent the only one, the only reason i even want insurance is the conditions of my job almost require it. having rashes and infections every few months, which i never had before in my life, are getting too common.
having used motor oil all over you without any protection for 10 1/2 hours a day cant be good for your health, the guys at jiffy lube dont have this much oil on them at the end of the day.