Suicidal Tendencies

  Sometimes the only answer to Life's problems is death. Between my declining health and rapidly mounting debt, I'm getting close to reaching that point. I'm tired of working and having nothing to show for it. What's the point in busting my ass only to fall further and further behind? In death, my problems would still exist but I'd no longer give a shit. The one loan I took out has a clause in it that considers it paid off should I die so it would cease to exist the moment I cease to exist. That's over $6,000.00 of debt erased in an instant. Now I fully realize that committing suicide has repercussions. My family and friends would be grief stricken by my decision. They would, however, eventually get over it. And if they didn't, I'd still be dead and thus in no position to care. You see I don't believe in an afterlife. There's no soul that separates from my body to head off to some mythical place of eternal bliss or torment. That's religious bullshit designed to force you to conform to their belief system. The only existence you have after death is the memories of those still living. When those are gone, so are you.

  Do I want to commit suicide? Not at the moment. Whether that changes of not depends on a lot of things. But I have to admit that there are times when my life seems utterly pointless and devoid of meaning. I feel the only reason I'm here is so Fate has someone to shit on. Now I fully realize that there are people whose lives are far, far worse than mine. There's not much I can do about it but I am aware of it. That doesn't change things. If my life continues to spiral down the proverbial toilet, suicide might be my response.

The NHGHs of Life Part 4: Addendum

  After calling both Aurora and the insurance people, the picture isn't looking very good. Aurora is going to send Anthem an itemized list for the procedures done at the end of last year but they informed me that I may have reached my benefit limit for the period. If that's the case, I'll be stuck with the entire bill. To top things off, Aurora informed me that one other bill wasn't paid because I was apparently not covered at the time. I had to cancel my dentist appointment. They expect the entire bill to be paid in full either immediately before or after the procedure. That's $600.00 I simply don't have. It seems very likely right now that I'll have to cancel my plans to go to Gen Con this year. With all the debt I'm buried in, it'll take years for me to dig myself out.

Results Not Typical

  Have you ever noticed the fine print in some TV ads? Weight loss ads are prone to fine print. They show you a bunch of people that lost all kinds of weight on their drug/diet plan while the fine print states that their results aren't typical. Why won't they tell us how much weight the average person will lose using their drug/diet plan? Could it be that the average results aren't all that impressive?

  Then there's the bidding sites like DealDash.com. They talk about how you can get up to 90% savings on items like smartphones, tablets and the like. But the fine print makes it clear that these results aren't typical and that the final price doesn't include the cost of the bids placed. And while the fine print informs you of how many bids a particular bidder made on a given item, it doesn't tell you how much each bid costs. Why? What are they hiding? These weight loss and bidding sites should inform people about what results the average person can expect because that's the results most people are going to get. And the bidding sites should make it clear up front how much each bid costs. I don't like the thought of paying for bids. On eBay, if you lose an auction, you pay nothing. Only the buyer and seller pay anything. On these other sites, if you lose, you're out the cost of the bids you made. 

The NHGHs of Life Part 4: The Financial Report

  I can't seem to get ahead. I spent about 4 years getting rid of my MasterCard and Discover debt. Four years. And when I finally pull this off, my health takes a turn for the worse and I'm right back in debt. I didn't get any time to build up my savings and checking account. None. To make matters worse, Aurora has billed me $12,889.80 for the time I spent in the hospital when my creatinine level went up to 6.91. So far, my insurance hasn't covered any of it. I contacted them and they said that they needed an itemized list of everything done so they can work matters out. They asked Aurora for the list on Jan. 19th but never heard back from them. I called Aurora and asked them to send the list. I'm hoping this works out. If I get stuck with the entire $12,880.89, I'm well and truly fucked. I'll be spending another shitload of years digging myself out. Hell, I may never get out from under this.