View Full Version : Things that suck


wHATcOLOR
06-16-2009, 08:03 PM
I understand in the scheme of things, this stuff really isn't a very big deal. I am grateful to have a job and to have health coverage at all. And to not be in a war. And to not be starving. etc. etc. But this stuff is still a pain in the ass and I wanted to list it out because then it seems less overwhelming.

Car insurance:

Two separate incidents, I was rear-ended today, and I scratched my own car a few months back. On the scratch, the deductible is $500 (I had assumed deductibles were annual, but they're per-incident apparently). Any damage over $751 is a point, which makes it more expensive every month. So unless the damage was between $501 and $750, you have no benefit from having insurance, and the only benefit you get is the delta between the cost and $500. So max benefit $250, for which I pay $150 a month.

Summary: insurance provides little to no benefit in this case

I wanted to auto-pay my car insurance. I tried to set it up through my bank. Their site asked for an account number for the insurance. My insurance statements have a membership number and a policy number, but not an account number. Neither of the numbers I have worked. So I tried to set it up through the insurer's website (AAA) instead. But in order to register on their site, even just to deal with insurance, you have to have an AAA membership. My membership is inactive, so I'd have to buy a new membership in order to set up autopayments for my insurance. That offends me on principle. And their customer service closes earlier than I had free time to address.

Summary: poorly coordinated systems create a standstill


Health insurance:

For some stupid reason I switched health plans. This is an HSA. Apparently the way it works is I have a $1500 deductible, and after that is hit, I pay nothing for the rest of the year. Company pays $1000 (I think), which means I'm on the hook for $500 of healthcare costs. (When I did back of the math calc's last year, I paid over $500, so figured I'd possibly come out ahead). But the company adds their $1000 to my account evenly over the course of the year, so I'll incur a lot more than the $500. And my monthly perscription is $200 a month. If I had just left it the old way, I'd pay $25/month for that, and whatever the damn copay is for any appt's. So max of like $600 for the year or something. But now I pay full price for everything until I've hit $1500. What a stupid move that was. And the only way to get reimbursed for shit I pay myself before there's company money in there is some long complicated paperwork which I am surely going to have rejected for some minitae.

Summary: unnecessarily complicated structures can make things more costly and create a lot of headache


Concussions:

From mayo clinic: "There also is evidence that people who have had multiple concussions over the course of their lives experience cumulative neurological damage. A link between multiple concussions and the eventual development of Alzheimer's disease also has been suggested."

I've had at least 5 concussions in my life, probably more


Red meat: eating it will make you die early: Daily Red Meat Raises Chances Of Dying Early - washingtonpost.com (http://www.washingtonpost.com/wp-dyn/content/article/2009/03/23/AR2009032301626.html)

Banks: i went to transfer funds from my checking account to pay off my credit card balance, and i accidentally selected the wrong thing on the drop down menu. so it transferred money from my credit card into my checking, as a cash advance. even though i immediately reversed it, they charged me $100 in cash advance fees and i haven't been able to get it reversed. for clicking a fucking button. it's too much of a pain in the ass to close the bank account and start a new one and they know it.

mail / collections: since health insurance is so stupid, you get all these things in the mail that are not bills. and after getting them like every other week with no activity whatsoever, you start to ignore them. and so then it turns out that like two years ago one of them was actually a bill for a service a year before that, i never saw the bill and then i moved addresses, and just now the collection agency found me and so im sure my credit doesn't look too good. how about just send a fucking bill when it's actually a bill and leave me alone the rest of the time, you'll save about 1,000 trees.

Pharmaceuticals:

So I take Wellbutrin. It really works for me and I'm really glad that it exists. It's helped me a ton. The generic version caused very very serious problems for me. The patent protection expired on the brand name about two years ago. GlaxoSmithKline, who distributes it, just sold it to BioVail. BioVail manufacturers a generic, and was paying licensing fees to Glaxo. Now that they are the owner, BioVail doesn't have to pay the fees, so their generic business is more profitable. I'm really worried that sooner or later they'll decide the brand name just isn't profitable enough for them and discontinue it all together. The generic business is growing, and that particular brand name is dying. Then I'm really fucked.

New computer: i got that f'ing computer and it would just shut down unexpectedly. i flashed the bios, and that <i>might've</i> fixed it, but I don't know. and they only have a 21 day return policy, which is rapidly nearing an end.

Neck: having lost symmetry in my body years ago from a broken clavicle, my neck is highly susceptible to being thrown out of alignment. if i'm not regularly exercising, nearly anything can do it. most recently it was picking up my bag. *crack* need to see a chiropractor 3x. $140 a pop. not fronted by stupid health insurance thing as described above.

I dunno, that's about it for now. What about you guys, what's getting you down.

hnibos
06-16-2009, 08:04 PM
:)

Floppy Nono
06-16-2009, 08:07 PM
things that S you say?

wHATcOLOR
06-16-2009, 08:08 PM
yes, things that s

Hypocaust
06-16-2009, 08:09 PM
Suicide is the only answer.

hnibos
06-16-2009, 08:12 PM
Seems like there would be some law against types of drugs to be discontinued. There are patients that depend on them?

are you able to save money? at all?

wHATcOLOR
06-16-2009, 08:17 PM
Seems like there would be some law against types of drugs to be discontinued. There are patients that depend on them?

are you able to save money? at all?


i'm not 100% informed on the subject, but that sure would be nice. i know that the fda says the generic is 'bioequivalent' though, so in their mind, it's just as good. even though the study to determine bioequivalence only inclu<wh>ded, if memory serves, 20 people. there's a class action lawsuit just starting now on the generic vs brand name for wellbutrin. in most cases the generic is just as good, but in this case, it's not. the chemical composition is the same, but the release mechanism is not, and that's the source of the problmes.

saving money -- yeah, but not nearly as much as i should be able to. if it weren't for all these stupid things, i'd like to think i'd be able to save more.

Thaniel Buckner
06-16-2009, 08:22 PM
you're right, these are all things that suck.

Thaniel Buckner
06-16-2009, 08:23 PM
i wholly empathize.

Trotskilicious
06-16-2009, 08:46 PM
red meat does not suck

if i die before 70 that's ok with me jeez who wants to live that long

smashingjj
06-16-2009, 08:50 PM
having a great date with the cutest girl you've ever seen and then seeing her kiss another guy in the evening of the same day

wHATcOLOR
06-16-2009, 08:51 PM
red meat does not suck

if i die before 70 that's ok with me jeez who wants to live that long



yeah but if you have a wife and/or kids, you might see it differently around that age. at least that's what i'm imagining

mercurial
06-16-2009, 08:54 PM
red meat does not suck

if i die before 70 that's ok with me jeez who wants to live that long

picture of health and longevity that you are ...

ATS
06-16-2009, 09:19 PM
my pecs aren't symmetric

28if
06-16-2009, 09:48 PM
I am not a fan of the insurance industry. Shit is all a big ripoff.

ohnoitsbonnie
06-16-2009, 10:12 PM
Would anybody like a hug

sppunk
06-16-2009, 10:14 PM
Black people

sppunk
06-16-2009, 10:14 PM
See what I did there?

sppunk
06-16-2009, 10:14 PM
I'm being controversial.

Brute Squad
06-16-2009, 10:16 PM
I was just gonna say women's mouths but you had to go there with black people

ravenguy2000
06-16-2009, 10:19 PM
the black, heavy pit where my heart should be caused by my desperate need for approval

sppunk
06-16-2009, 10:21 PM
I hate car stereos that shake the windows in my house. What the fucking hell makes someone do this makes zero sense.

I hate beans of any kind.

I hate uncultured people who are too simple minded to realize there are alternative viewpoints, alternative experiences and alternative lifestyles.

I hate governmental control of schools (in my world all schools would be private).

I hate cancer and the fact it attacks people who have done nothing to warrant their bodies to be stricken with the disease.

ohnoitsbonnie
06-16-2009, 10:22 PM
Rigged elections

reprise85
06-16-2009, 10:24 PM
I feel for you, whatcolor. I've had so many problems getting help for my (mental and physical) problems and just recently got a reprieve via temporary disability. I'm 24 and this will hopeful be very temporary. Meanwhile, there are thousands of people who would have been homeless waiting for this help (that took me almost 2 years to get). I happen to be lucky enough to have a family who was willing to help me, who I should now be able to pay back.

I understand the need to thoroughly screen people to stop fraud, but people with mental illness may not be able to make due while waiting for all the red tape to be cut.

I know this is different from what you talked about, but it's my contribution to things that suck.

Shallowed
06-16-2009, 10:33 PM
having a great date with the cutest girl you've ever seen and then seeing her kiss another guy in the evening of the same day

Perhaps you should propose a threesome.

Gossamer
06-16-2009, 10:48 PM
When people drive 5-10 miles under the speed limit and you can't pass them for a couple of miles.

Gossamer
06-16-2009, 10:48 PM
writing scientific research papers

Gossamer
06-16-2009, 10:48 PM
fishsticks

myosis
06-16-2009, 11:56 PM
going to a mattress store and falling for the salesgirl, then deciding to go back the next week to buy pillows and strike a converation, incite her to come to your show, she's all excited to actually go, then learning that her boyfriend and her are moving in together, then the next week she shows up at your play (but on the day after she said she'd come) and you get to talk to her after the show and see all the signs of an interested woman, but you have a mental block about the boyfriend and basically screw it up with your inaction.

Joe
06-17-2009, 12:09 AM
red meat does not suck

if i die before 70 that's ok with me jeez who wants to live that long

come on 70 is the new 16

YSEM
06-17-2009, 12:53 AM
homework!

fluxequalsrad
06-17-2009, 12:53 AM
ooo! I have one:

University Bureaucracy

- Hello, I am a University Counselor, and I don't know fuck about what your University program is doing for your future. On top of that, I will do my best to ensure that you have as difficult a time as possible completing your module by changing course numbers and making sure that your program requirements are difficult to understand. Of course, despite all your education being highly ambiguous to your choice of career, it is now of utmost importance that you suck your professors cock so that you can graduate in the top tier of your class or else you shall be excluded from all but the hottest and noisiest jobs. Are you having a problem with a grad-school application? fuck if I can help you! Despite the fact that my job requires a heavy resume of post-secondary education, I do not know shit about pointing anyone in the right direction let alone what post-grad programs are looking for!

bardy
06-17-2009, 01:00 AM
I have an HSA plan too...
but I have a $3000 deductable....

but I don't have monthly prescriptions (yet) so it's a good deal for me. I have about 4,000 in my bank account from my company contibutions over the past year and a half (I have had a lot of doctors appts and bloodwork done lately which is going to cost me... but my insurance pays 100% preventative which is what a lot of that crap is coded)

you can't use your HSA to pay for your chiropractor? I was under the impression you could use it for whatever medical reasons you wanted... even benedyrl or lasik or something.

wHATcOLOR
06-17-2009, 01:02 AM
I have an HSA plan too...
but I have a $3000 deductable....

but I don't have monthly prescriptions (yet) so it's a good deal for me. I have about 4,000 in my bank account from my company contibutions over the past year and a half (I have had a lot of doctors appts and bloodwork done lately which is going to cost me... but my insurance pays 100% preventative which is what a lot of that crap is coded)

you can't use your HSA to pay for your chiropractor? I was under the impression you could use it for whatever medical reasons you wanted... even benedyrl or lasik or something.


i can but since it just started, there's not really any money in the account (there was some but i used it on one chiropractor appt)

fluxequalsrad
06-17-2009, 01:06 AM
don't waste your money on a chiropractor - sure it feels good right away, but if you are just stretch regularly and stay active back pain can be conquered over time. plus a sack of weed a week only costs $30.

YSEM
06-17-2009, 01:45 AM
sometimes i really want someone to pop my back. that's when a bf would come in handy. oh wells.

Sarcastic Smile
06-17-2009, 02:13 AM
I hate cancer and the fact it attacks people who have done nothing to warrant their bodies to be stricken with the disease.

my grandmother died of lung cancer and never smoked anything a day in her life...

Deadeyes
06-17-2009, 03:28 AM
I hate cancer and the fact it attacks people who have done nothing to warrant their bodies to be stricken with the disease.

This ain't no moral disease for fucks sake.

Nimrod's Son
06-17-2009, 03:47 AM
re: Autopay insurance... I dunno what bank you have, but both of my banks (Wells Fargo and WaMu/Chase) allow you to send free checks online and set them up to auto send to an address. So.. set that up.

I'm Hardcore
06-17-2009, 03:53 AM
redbull seeing Banana in public and not kicking his ass

Trotskilicious
06-17-2009, 05:25 AM
yeah but if you have a wife and/or kids, you might see it differently around that age. at least that's what i'm imagining

doubtful

life sucks

dean_r_koontz
06-17-2009, 08:59 AM
I hate A and the fact it attacks people who have done nothing to warrant their bodies to be stricken with the disease.

ever heard of dealing with the cards you've been dealt little buddy?

Caine Walker
06-17-2009, 09:42 AM
work sucks.

bills suck.

paying for gasoline sucks.

not being able to see chris as much as i would like sucks.

friends who break into your house to crash while you're gone for the weekend sucks.

grocery shopping sucks.

headaches suck.

my brother moving away sucks. but he's moving for a really great job, so that sucks less for him.

YSEM
06-17-2009, 10:45 AM
whatever. grocery shopping rules. i could browse around looking at food for hours.

Mo
06-17-2009, 12:04 PM
I'm currently learning this shit during slow hours at work. Meh.

<img src="http://www.abload.de/img/oraclyohmycprn.jpg">

YSEM
06-17-2009, 12:09 PM
looks boring. im trying to finish this damn paper before i head to work. this sucks.

Thaniel Buckner
06-17-2009, 12:15 PM
people who bitch about things like cancer suck.

myosis
06-17-2009, 12:57 PM
I'm currently learning this shit during slow hours at work. Meh.

<img src="http://www.abload.de/img/oraclyohmycprn.jpg">
is that title trying to be ironic?

Mo
06-17-2009, 02:04 PM
I'm not sure yet.

corksoaker
06-17-2009, 02:31 PM
being put in handcuffs for no reason

I'm Hardcore
06-17-2009, 07:05 PM
waiting for water to boil would have to be one of the most boring and frustrating exercises known to man.

bardy
06-17-2009, 07:51 PM
i can but since it just started, there's not really any money in the account (there was some but i used it on one chiropractor appt)

ah... yeah... once the money starts to build up it'll seem like more of a deal. also you can contribute your own money to your HSA as well--from your pay check, I believe.. it's pre-tax so you would be saving money that way as well.

I am probably going to switch to an HMO or something if I ever get pregnant, but the HSA stuff is a good deal if you are relatively healthy

Trotskilicious
06-17-2009, 10:01 PM
waiting for water to boil would have to be one of the most boring and frustrating exercises known to man.

get a kettle and find something else to do jeez

Thaniel Buckner
06-18-2009, 02:54 AM
i just checked my work email to see if there have been any recent major happenings that i should know about, and my supervisor sent me a recorded call from like two weeks ago where i said "whatever" to a customer who was being a petulant bitch. apparently the dude called back and made a stink about it just to get me in trouble.

i have no idea what i'll face tomorrow but...whatever.

Cool As Ice Cream
06-18-2009, 03:16 AM
is that title trying to be ironic?

i don't think so. all the oracle books i see here at work look a lot bigger. luckily i've never had to read any.

I'm Hardcore
06-18-2009, 04:12 AM
get a kettle and find something else to do jeez

dude, that's exactly it. I use a kettle to boil water for coffee etc, fucking takes forever.
life would be far easier if i somehow magically needed to take a shit every time i made coffee. this would solve my problem.

mxzombie
06-18-2009, 09:14 AM
life would be far easier if i somehow magically needed to take a shit every time i made coffee. this would solve my problem.a cup of coffee always works for me

I'm Hardcore
06-18-2009, 09:16 AM
you might suggest a plane ticket to Panama so we can re-create havoc

mxzombie
06-18-2009, 09:23 AM
that would be awesome. if my life's savings at this point amounted to more than $35, then i might have suggested it. we could run wild, it's like the old west over here.

I'm Hardcore
06-18-2009, 09:35 AM
next time man :)

barden
06-18-2009, 04:43 PM
having a friendly chat to a girl you know, who is dating a guy you know.
and her responding by posting on your wall:
"you are the awsomest of awsome. you define awsome. you awsome-fied awsome. ha ha ha"

for everyone to see.
thats a bit weird man, it makes things look a bit dodge if you ask me. I deleted that shit. but everyone saw, I'm sure. Including her boyfriend. Who must be thinking wtf?

I'm innocent I swear.

Caine Walker
06-18-2009, 04:47 PM
is that actually how you type, barden?

barden
06-18-2009, 04:47 PM
She asked me for some new music. And i was all sure. And she was all we'll meet somewhere for a milkshake, I'll bring my laptop. I was all cool! Sounds good! We spoke about some tour stuff. She said some weird things now that I think about it. Here's an example.

******
awsome. i breathe music, so ill never say no to anything! every chance i get! yum yum! :) thanx. that'll be the highlight of my month! thanx a mil! you're totally awsome. im gonna post it on your wall now....


Then followed by that post above. Fucking ladies making me look bad here! I know he saw it!!! Haha. What would YOU think in that situation??

barden
06-18-2009, 04:48 PM
is that actually how you type, barden?

what do you mean?

fluxequalsrad
06-18-2009, 04:50 PM
for everyone to see.
thats a bit weird man, it makes things look a bit dodge if you ask me. I deleted that shit. but everyone saw, I'm sure. Including her boyfriend. Who must be thinking wtf?

.

if shes the bubbly-type, which it sounds like - maybe no one will give a damn?

barden
06-18-2009, 04:55 PM
i hope so!
i just know I'd be 'eh' ??
she was also telling me how I must sneak her in my bag on tour and how she'd love me forever and put me on her christmas list and stuff. I think / hope she's just really friendly!

barden
06-18-2009, 04:57 PM
but the point was: being implicated falsely. I guess I encouraged it. But not much. I can relate now to the story previously posted which I questioned. except no one is breaking up for me or anything you know, I'm just getting some weird posts on my wall, but we're talking about myself here so i need to dedicate about 6 posts to the subject.

myosis
06-19-2009, 12:36 PM
if her boyfriend saw it before you deleted it, he'll probably think it's very awkward that it was deleted.

ChristHimself!
06-19-2009, 12:51 PM
me
ravenmatt
caine walker
eulogy
ihamatt

fluxequalsrad
06-19-2009, 01:43 PM
i hope so!
i just know I'd be 'eh' ??
she was also telling me how I must sneak her in my bag on tour and how she'd love me forever and put me on her christmas list and stuff. I think / hope she's just really friendly!

why is potentially getting laid in the 'things that suck' thread?

myosis
06-19-2009, 04:33 PM
why is potentially getting laid in the 'things that suck' thread?
cause barden is not desperate to fuck just any lady that comes his way

fluxequalsrad
06-19-2009, 04:39 PM
cause barden is not desperate to fuck just any lady that comes his way

neither do I, that doesn't mean it sucks that someone wants to bone me.

myosis
06-20-2009, 01:58 AM
well it has sucked for me many a-time, i really hate getting unwarranted attention.

just this week i had to tell a coworker off cause she kept sending me weird messages full of !!! and :0) and open invitations to go out, or send her postcards when i'm on vacation ...

do i really need to mention it feels REALLY embarrassing.

wHATcOLOR
06-20-2009, 02:07 AM
yes, please mention that

fluxequalsrad
06-20-2009, 02:18 AM
well it has sucked for me many a-time, i really hate getting unwarranted attention.

just this week i had to tell a coworker off cause she kept sending me weird messages full of !!! and :0) and open invitations to go out, or send her postcards when i'm on vacation ...

do i really need to mention it feels REALLY embarrassing.

oh well then, i guess i am wrong. :erm:

myosis
06-20-2009, 02:45 AM
tell me you're not creeped out by someone who sends you the same basic uninteresting personal message twice a day. if i have a crush on her i might get over the overzealous punctuation and the bland content, otherwise i don't care what she looks like...

is it the female concept that gets your hormones flying? what if it were a guy? can you start picturing it now?

when i got one in my facebook inbox i figured it was time to reply that she was sending me a lot of messages, and she should not worry so much about me cause i'm not suicidal or anything. no more news so far.

AndySlash
06-20-2009, 03:23 AM
cause barden is not desperate to fuck just any lady that comes his way

maybeeeeeeee... maybe not.

One in four South African men questioned in a survey said they had raped someone, and nearly half of them admitted more than one attack. (http://news.bbc.co.uk/2/hi/africa/8107039.stm)

myosis
06-20-2009, 11:47 AM
i'm sure barden was part of that survey, but i doubt it was *just any lady*

fluxequalsrad
06-20-2009, 02:35 PM
tell me you're not creeped out by someone who sends you the same basic uninteresting personal message twice a day.

Does this really arouse that much anxiety in you? All you have to do is shut the person down ... even if its a guy. Sure, taking care of it may be a slight pain in the ass, but its not like they're going to kill you (..95% of the time).

Maybe the 'thing that sucks' is your inability to deal with attention.

Fattening Ass
06-20-2009, 02:44 PM
a lot of the replies in this thread

Mo
06-20-2009, 03:02 PM
Well you are a negative nancy today.

Fattening Ass
06-20-2009, 03:03 PM
;<gh>D

myosis
06-21-2009, 01:18 AM
Does this really arouse that much anxiety in you? All you have to do is shut the person down ...
yeah i bet you've done this often, haven't you?
so which option do you usually use?
do you go directly to her office to ask her if your PO is ready and say "by the way please stop sending me so many personal messages"? or do you just reply to her e-mails with "leave me alone k thanks!" and THEN ask for a new PO?

and no i did not lose any sleep over it.

Trotskilicious
06-21-2009, 01:26 AM
gosh the curse of unwarranted attention. must be so hard.

fluxequalsrad
06-21-2009, 01:27 AM
yeah i bet you've done this often, haven't you?
so which option do you usually use?
do you go directly to her office to ask her if your PO is ready and say "by the way please stop sending me so many personal messages"? or do you just reply to her e-mails with "leave me alone k thanks!" and THEN ask for a new PO?

and no i did not lose any sleep over it.

well you could pick either option- either of those would work just fine.

myosis
06-21-2009, 01:32 AM
http://forums.netphoria.org/general-chat-message-board/166999-why-do-you-use-ignore-function.html

because after all i don't feel like sharing this shit with unempathic clueless horny fucks

fluxequalsrad
06-21-2009, 01:39 AM
http://forums.netphoria.org/general-chat-message-board/166999-why-do-you-use-ignore-function.html

because after all i don't feel like sharing this shit with unempathic clueless horny fucks

oh no- someone on the internet has a different opinion than you.

fluxequalsrad
06-21-2009, 01:40 AM
and yes. i am horny.

myosis
06-21-2009, 01:45 AM
going to a mattress store and falling for the salesgirl, then deciding to go back the next week to buy pillows and strike a converation, incite her to come to your show, she's all excited to actually go, then learning that her boyfriend and her are moving in together, then the next week she shows up at your play (but on the day after she said she'd come) and you get to talk to her after the show and see all the signs of an interested woman, but you have a mental block about the boyfriend and basically screw it up with your inaction.
called this girl today at her job and she's definitely into me.
got her cell number so i'm heading straight for a situation where someone's gonna get hurt eventually. and there is 90% chance this person will be me.

yes i love my manic phases!

ohnoitsbonnie
06-21-2009, 02:02 AM
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slunken
02-08-2014, 05:37 PM
everything sucks

mxzombie
02-09-2014, 08:16 AM
mods, please close this thread

wHATcOLOR
02-10-2014, 03:07 AM
man, that was a frustrating period of time. unpleasant reading this thread