How many people here have disability, life, and health insurance & retirement ? - GoFuckYourself.com - Adult Webmaster Forum

X

will76

Making $$$$ w/ ClickCash

Join Date: May 2003

Posts: 18037
Share

Post
#1

How many people here have disability, life, and health insurance & retirement ?

12-13-2009, 09:51 PM

Just curious how many (US) people have:

Disability Insurance
Life Insurance
Health Insurance
and/or set a side a portion of money for your retirement ?

ICQ: 86364801 Email: will [at] innovativeassets [dot] com

PROGRAM SHIT LIST - DO NOT PROMOTE (click link for gfy thread)
FNCash | Media Revenue
Tags: None
Deej

I make pixels work

Join Date: Jun 2005

Posts: 24386
Share

Post
#2

12-13-2009, 09:54 PM

Only time Ive used health insurance it ends up costing me more without having insurance... so I have since decided i dont need it right now.

Deej's Designs n' What Not
Hit me up for Design, CSS & Photo Retouching

Icq#30096880
Comment
ztik

Confirmed User

Join Date: Aug 2001

Posts: 5196
Share

Post
#3

12-13-2009, 09:54 PM

I have none of those but will be 100% fine for retirement anytime i want to start it

.
Comment
vapewiz

Confirmed User

Join Date: Nov 2002

Posts: 1530
Share

Post
#4

12-13-2009, 10:06 PM

i think better question is how many have a cpa
Comment
will76

Making $$$$ w/ ClickCash

Join Date: May 2003

Posts: 18037
Share

Post
#5

12-13-2009, 10:17 PM

Originally posted by cutetwink

i think better question is how many have a cpa

That's scary too.

I have all of the above. I can't image not having any of them personally. The one thing that people usually over look the most is disability insurance. For about what you pay a month on car insurance to protect a 30K-40K car you can pay about the same amount of money to protect 100K a year of income for the rest of your life, if you were ever to become disabled... but i bet 99% of the people here have car insurance and no disability insurance...

lets see total the car = insurance pays you $40K, the same car accident disables you, you lose your income and screwed the rest of your life. Having disability insurance for the same costs, 100K year x 30-40 years depending on your age.... no brainer.

Last edited by will76; 12-13-2009, 10:20 PM.

ICQ: 86364801 Email: will [at] innovativeassets [dot] com

PROGRAM SHIT LIST - DO NOT PROMOTE (click link for gfy thread)
FNCash | Media Revenue
Comment
d-null

. . .

Join Date: Apr 2007

Posts: 13724
Share

Post
#6

12-13-2009, 10:18 PM

I have none of the above

__________________

Looking for a custom TUBE SCRIPT that supports massive traffic, load balancing, billing support, and h264 encoding? Hit up Konrad!
Looking for designs for your websites or custom tubesite design? Hit up Zuzana Designs
Check out the #1 WordPress SEO Plugin: CyberSEO Suite
Comment
Robbie

Leaner, Meaner, Faster

Join Date: Aug 2002

Posts: 20960
Share

Post
#7

12-13-2009, 10:24 PM

I have two 1 milllon dollar life insurance policies on me to protect my family. Full health insurance for me and my family. Mortgage insurance (I still have $700,000 on my mortgage...just got this latest house last year). I also have a handful of smaller whole life insurance policies on myself. I can't remember all of them but it's several of them at around 25 K each. So yeah, I'm insured up the ass.

Just hope my bitch doesn't get smart and decide to collect early. Keeps me working hard that's for sure. Got to keep being worth more to her alive than dead. lol

-Robbie
ClaudiaMarie.Com
Comment
bausch

Confirmed User

Join Date: Jul 2006

Posts: 3017
Share

Post
#8

12-13-2009, 10:25 PM

Disability Insurance
Life Insurance
Health Insurance
and/or set a side a portion of money for your retirement ?

I have health and dental
I have an SEP plan
No disability insurance

No life insurance. I have no one to leave it to; I have no family to leave anything to and no dependants. I have distant family but I wouldn't want to leave anything to them, I'm not close them at all and barely even talk to them. I don't ever want a family either, so why would I need life insurance? Who would be my benefactor? No one depends on me. Only I depend on myself. Life insurance is not necessary for me.

Last edited by bausch; 12-13-2009, 10:30 PM.
Comment
marcop

Confirmed User

Join Date: Nov 2005

Posts: 4150
Share

Post
#9

12-13-2009, 10:30 PM

What do you care? Are you an insurance salesman?
Comment
bausch

Confirmed User

Join Date: Jul 2006

Posts: 3017
Share

Post
#10

12-13-2009, 10:32 PM

Life insurance is only for people who have families or kids or dependents. Not everyone cares about having a family or even wants one. Some people want to be single forever and don't want a family. Some people dislike kids. ok? Jeeez.
Comment
Raf1

Too lazy to set a custom title

Join Date: Oct 2003

Posts: 12117
Share

Post
#11

12-13-2009, 11:17 PM

Originally posted by bausch

No life insurance. I have no one to leave it to; I have no family to leave anything to and no dependants. I have distant family but I wouldn't want to leave anything to them, I'm not close them at all and barely even talk to them. I don't ever want a family either, so why would I need life insurance? Who would be my benefactor? No one depends on me. Only I depend on myself. Life insurance is not necessary for me.

this made me feel sad for you, but I guess everyone is different. I don't mean it as an insult

80% Revshare or 30$ PPS on $1 trials: 200 Niches = Vidz.com Galleries / FLVs / Embeds
3 & 5mins FLVs | RSS & Tube Feeds | Matching Thumbs | FLV Browser & Exporter | No Prechecked Xsales
>> Mobile Redirection Script: mobile.vidz.com also paying 80% net Lifetime << ICQ: 198-394-557
Comment
d-null

. . .

Join Date: Apr 2007

Posts: 13724
Share

Post
#12

12-13-2009, 11:32 PM

Originally posted by Raf1

this made me feel sad for you, but I guess everyone is different. I don't mean it as an insult

it might not be insulting, but it is pretty lame of you for sure

__________________

Looking for a custom TUBE SCRIPT that supports massive traffic, load balancing, billing support, and h264 encoding? Hit up Konrad!
Looking for designs for your websites or custom tubesite design? Hit up Zuzana Designs
Check out the #1 WordPress SEO Plugin: CyberSEO Suite
Comment
will76

Making $$$$ w/ ClickCash

Join Date: May 2003

Posts: 18037
Share

Post
#13

12-14-2009, 07:13 AM

Originally posted by Robbie

I have two 1 milllon dollar life insurance policies on me to protect my family. Full health insurance for me and my family. Mortgage insurance (I still have $700,000 on my mortgage...just got this latest house last year). I also have a handful of smaller whole life insurance policies on myself. I can't remember all of them but it's several of them at around 25 K each. So yeah, I'm insured up the ass.

Just hope my bitch doesn't get smart and decide to collect early. Keeps me working hard that's for sure. Got to keep being worth more to her alive than dead. lol

Sounds like you got it covered right. Insurance does suck, but I can't imagine not having it. Hard to sleep at night.

Only thing you need is disability. You know where you get hurt real bad where you can't work but don't die. I had no idea how cheap disability insurance is. I have 100K a year of income protected for the rest of my life for about $200 a month. In my case if I get hurt and can't work my income goes away, my family is fucked. Not to mention if my disability caused me to have more expenses. The other cool thing about my disability is that it acts like a retirement plan to some extent, if you don't use it after so many years you can get the money back.

ICQ: 86364801 Email: will [at] innovativeassets [dot] com

PROGRAM SHIT LIST - DO NOT PROMOTE (click link for gfy thread)
FNCash | Media Revenue
Comment
RyuLion

ClubDomCash.com

Join Date: Mar 2003

Posts: 32379
Share

Post
#14

12-14-2009, 07:21 AM

Disability Insurance
Life Insurance
Decapitation Insurance (in Mexico)
Liver Insurance (in Mexico)

Adult Biz Consultant A tech head since 1995
Affiliate Support: Chaturbate | CCBill Live
Comment
woj

<&(©¿©)&>

Join Date: Jul 2002

Posts: 47880
Share

Post
#15

12-14-2009, 09:24 AM

I don't really need any of those... yet...
I'm still young, probably in 5-10 years, I'll start looking into getting insurance coverage...

Custom Software Development, email: woj#at#wojfun#.#com to discuss details or skype: wojl2000 or gchat: wojfun or telegram: wojl2000
Affiliate program tools: Hosted Galleries Manager Banner Manager Video Manager
Wordpress Affiliate Plugin Pic/Movie of the Day Fansign Generator Zip Manager
Comment
Agent 488

Registered User

Join Date: Feb 2006

Posts: 22511
Share

Post
#16

12-14-2009, 09:29 AM

thanks for the suicide-inducing post.

Originally posted by bausch

Disability Insurance
Life Insurance
Health Insurance
and/or set a side a portion of money for your retirement ?

I have health and dental
I have an SEP plan
No disability insurance

No life insurance. I have no one to leave it to; I have no family to leave anything to and no dependants. I have distant family but I wouldn't want to leave anything to them, I'm not close them at all and barely even talk to them. I don't ever want a family either, so why would I need life insurance? Who would be my benefactor? No one depends on me. Only I depend on myself. Life insurance is not necessary for me.
Comment
Furious_Male

Doing the grind since 99

Join Date: Oct 2003

Posts: 16884
Share

Post
#17

12-14-2009, 09:29 AM

I have all of the above including a very good CPA. Health insurance I would never do without. Found that out the hard way many years ago when my appendix burst and I wasn't covered.

As far as disability, life insurance, and a good CPA those are no brainers.

Living in Virtual Reality
Contact: Email (preferred): furiousmale .at. gmail - Skype: live:shanedws
Comment
Sly

Let's do some business!

Join Date: Sep 2004

Posts: 31379
Share

Post
#18

12-14-2009, 09:30 AM

I have 2 of the 4. Don't need life insurance right now, disability insurance I think would be difficult.

Some of the responses in this thread indicate why many Americans will still not have health insurance after final passage of the current bills.

Vacares - Web Hosting, Domains, O365, Security & More - Paxum and BTC Accepted

Windows VPS now available
Great for TSS, Nifty Stats, remote work, virtual assistants, etc.
Click here for more details.
Comment
candyflip

Carpe Visio

Join Date: Jul 2002

Posts: 43074
Share

Post
#19

12-14-2009, 09:32 AM

I've got all my bases covered. With a family, you have to be prepared.

Spend you some brain.
Email Me
Comment
datatank

Confirmed User

Join Date: Aug 2004

Posts: 5471
Share

Post
#20

12-14-2009, 09:34 AM

How much is Disability Insurance ?
Comment
BillyHoe

Confirmed User

Join Date: Mar 2003

Posts: 2214
Share

Post
#21

12-14-2009, 09:42 AM

I have all of the above. For those who say they're too young for life/disability insurance remember one important factor. The younger you are the cheaper your rate is, for the same coverage.
I have over a million dollars in coverage and I pay peanuts for it, cause I've had it for 10 years. Had I got it this year I would have been paying almost 4 times the amount I'm paying now, for 2/3 the coverage.
Something to think about. ;)

True Amateur Sites!!

ICQ:124399549
Comment
datatank

Confirmed User

Join Date: Aug 2004

Posts: 5471
Share

Post
#22

12-14-2009, 09:50 AM

Originally posted by BillyHoe

I have all of the above. For those who say they're too young for life/disability insurance remember one important factor. The younger you are the cheaper your rate is, for the same coverage.
I have over a million dollars in coverage and I pay peanuts for it, cause I've had it for 10 years. Had I got it this year I would have been paying almost 4 times the amount I'm paying now, for 2/3 the coverage.
Something to think about. ;)

1m does not seem like it would go very far when you are dead
Comment
L-Pink

working on my tan

Join Date: Mar 2005

Posts: 39151
Share

Post
#23

12-14-2009, 09:54 AM

I haven't actually worked since 1996 (investments) and am currently uninsurable.

.
Comment
Sly

Let's do some business!

Join Date: Sep 2004

Posts: 31379
Share

Post
#24

12-14-2009, 09:58 AM

Originally posted by BillyHoe

I have all of the above. For those who say they're too young for life/disability insurance remember one important factor. The younger you are the cheaper your rate is, for the same coverage.
I have over a million dollars in coverage and I pay peanuts for it, cause I've had it for 10 years. Had I got it this year I would have been paying almost 4 times the amount I'm paying now, for 2/3 the coverage.
Something to think about. ;)

What exactly is peanuts?

Vacares - Web Hosting, Domains, O365, Security & More - Paxum and BTC Accepted

Windows VPS now available
Great for TSS, Nifty Stats, remote work, virtual assistants, etc.
Click here for more details.
Comment
will76

Making $$$$ w/ ClickCash

Join Date: May 2003

Posts: 18037
Share

Post
#25

12-14-2009, 01:47 PM

Originally posted by datatank

How much is Disability Insurance ?

Depends on your health, age, what type of work you do (if it is high risk or not), how much income you are insuring etc... My situation, i'm early 30's great health and was able to insured 100K a year till I am 65, for about $200 a month.

Originally posted by Sly

I have 2 of the 4. Don't need life insurance right now, disability insurance I think would be difficult.

Some of the responses in this thread indicate why many Americans will still not have health insurance after final passage of the current bills.

It was really easy to get disability. No different really than getting health insurance with the addition of having to prove your income. Disability insurance is to protect your income so you can only protect a certain % of what you make, any amount you want (basically what you feel you need to live off of) but you can not do it for more than you make.

Last edited by will76; 12-14-2009, 01:48 PM.

ICQ: 86364801 Email: will [at] innovativeassets [dot] com

PROGRAM SHIT LIST - DO NOT PROMOTE (click link for gfy thread)
FNCash | Media Revenue
Comment

Previous template Next

Working...