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Yes, I'm more concerned with how my sex life has changed, how I lose hours of sleep a week because of pain (and the medication makes me loving retarded), how I can't pursue the long list of outdoorsy sporting hobbies that I used to, help my friends move or do a lot of chores (gently caress garbage bags forever), things like that. It's just hard and confusing for me to feel morally alright with it. I can't compare myself to someone who has been blown up and keep a straight face. Like, "boo hoo you can't surf anymore! At least you don't need a pump in your head to circulate your spinal fluid because one of your sinuses was torn out by a piece of shrapnel." It's upsetting.
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Oct 12, 2012 20:25
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| # ? May 15, 2024 22:53 |
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tuyop posted:Yes, I'm more concerned with how my sex life has changed, how I lose hours of sleep a week because of pain (and the medication makes me loving retarded), how I can't pursue the long list of outdoorsy sporting hobbies that I used to, help my friends move or do a lot of chores (gently caress garbage bags forever), things like that. And that's why you're not going to see the same kind of money they will, because you might be found to be 15 or 20% disabled, while they'll be 80 or 90% disabled. It doesn't mean you're not entitled to your share of funds, because you WERE injured while working for the Canadian Armed Forces. The system is designed to pay you because you do deserve that pay. It has affected your life, and you should be compensated for it.
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Oct 12, 2012 20:27
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El_Elegante posted:Tuyop you need to get counseling more frequently than you are now.
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Oct 12, 2012 20:50
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tuyop posted:Yes, I'm more concerned with how my sex life has changed, how I lose hours of sleep a week because of pain (and the medication makes me loving retarded), how I can't pursue the long list of outdoorsy sporting hobbies that I used to, help my friends move or do a lot of chores (gently caress garbage bags forever), things like that. Spend the next 12 days leading up to the appointment keeping a diary of all these things. I.e. when you experienced them, what you were doing, how bad/debilitating it was, how it affected your job performance/emotional state/quality of life, if you had depressive/anxious/angry thoughts associated with them, etc. Just give the doctor the facts without downplaying or exaggerating anything, and whatever the army decides will be exactly what the Dominion of Canada believes you are entitled to.
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Oct 12, 2012 20:50
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I bet you could cut your $150 cell phone expenses in half, especially if you get a joint plan for basic phones (not smartphones). Also, at first I thought "Oh, $75 for christmas, that's reasonable" but then I realized that's your monthly budget so the two of you are budgeting $900 a year for christmas. My wife and I make about triple what you and Toeshoes make, and yet I have never in my life spent $450 on christmas presents, and I have four siblings, four parents, and a wife to shop for. So I'm hoping that's just your xmas budget for the next three months and then it goes away in January. Right?
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Oct 12, 2012 21:11
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tuyop posted:It's just hard and confusing for me to feel morally alright with it. I can't compare myself to someone who has been blown up and keep a straight face. I get you, I really do but don't let that hold you back. Your pain and suffering is no less legitimate as the guy who got hit by a dirty bomb. If it makes you feel better, I know a friend who's in the military who's planning on cashing in $$$ down the road by claiming they had significant hearing loss as a result of their service to the military. In reality, this person has a hearing aid but makes no attempt to wear them at all and the hearing loss is definitely from multiple ear infections that they constantly and intentionally neglected to get treated for. They will get the money and it makes me angry. At least you got your disability as a result from your work, not through your lack of personal concern in your everyday life. I can respect that.
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Oct 12, 2012 21:18
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quote:So I'm hoping that's just your xmas budget for the next three months and then it goes away in January. Right? Yes, exactly. We did a terrible job of anticipating and tracking the Christmas expense six months ago so we have to pay more now.
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Oct 12, 2012 23:16
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tuyop posted:But other than that I don't know how we can improve the situation. I need to sell the loving car! Your car is the stuff of horror movies. If you are going to sell the car what's the situation with the value versus the car loan at the moment? I know this was an issue a while back.
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Oct 14, 2012 00:47
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Devian666 posted:Your car is the stuff of horror movies. If you are going to sell the car what's the situation with the value versus the car loan at the moment? I know this was an issue a while back. 2010 Mazda 3GS 6 speed. 115000 km, fair condition with cosmetic damage. Sun roof, power package, etc. The car is worth 11-14k (13.5 on kbb) depending on who you ask. I owe 20476 now. It's a loving nightmare. Toeshoes and I were thinking of somehow making do without until we sell it. Stop driving, cancel insurance, use the insurance and gas savings to get her a bike and equip them properly for night and cold weather cycling and go that way. It seems doable to me, but it also seems like spending our way out of a hole. It's also apparently incredibly inclement in this area in the winter. Very strong, cold winds and heavy snowfall. I don't know if it's worth it. I'm convinced that cycling can be made safer with lights, but I haven't done a winter here before. I'm mostly of the mind that if we just make it only possible to do the cheapest possible thing, money will be saved and debts will be paid off. But how much is frostbite and dangerous cycling worth? (thanks to MMM I now know how to figure out the dollar amount cost over ten years. I figure it's about $103 800 if I saved that auto cost excluding car loan for ten years. I'm going to go throw up)
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Oct 14, 2012 01:54
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tuyop posted:2010... 115000 km HOW?  My 1994 Nissan has 117,000 on it.
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Oct 14, 2012 02:27
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Yeah that seems like a lot. Hell my dad, who literally drives his car like the entire day for work, has a 2008 car with 300k kilometers on it.
HookShot fucked around with this message at 03:31 on Oct 14, 2012 |
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Oct 14, 2012 03:06
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Assuming he bought it on Jan 1st in its year of manufacture, that's 110km per day, seven days a week, 365 days a year.
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Oct 14, 2012 03:24
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tuyop posted:Toeshoes and I were thinking of somehow making do without until we sell it. Stop driving, cancel insurance, use the insurance and gas savings to get her a bike and equip them properly for night and cold weather cycling and go that way. It seems doable to me, but it also seems like spending our way out of a hole. Oh hell no. Get one of your vehicles fully winterized - snow tires, chains, bag of sand, flares, roadside assistance on your insurance, etc. - and use that one as your winter commuter. If you can do this for both cars that's great but make sure you have at least one in good condition. I think a lot of us got confused on the mileage you posted because of your filthy metric ways. Still, 71K miles in 2 years? drat dude, that car isn't worth poo poo with how many miles and "light damage" you've put on it. I hope it's fun to drive, you're going to be in it for a long time to come.
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Oct 14, 2012 03:30
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/\/\/\ We only have one car. Sorry for any confusion. I bought it in May 2010, I drove to Mexico and NYC and Chicago and Ontario and stuff a bunch of times. Add excessive driving to the list of bad decisions I guess.
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Oct 14, 2012 03:31
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He is actually correct on its value, you Americans also don't realize that your cars are a lot cheaper. I did a check on Autotrader.ca, his car in Ontario with that many kms does sell for around 10k-15k
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Oct 14, 2012 03:32
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HookShot posted:I did a check on Autotrader.ca, his car in Ontario with that many kms does sell for around 10k-15k Yeah, but what is that in *real* money.  Kidding, just kidding. Thanks for the price check, I wasn't sure if the app was giving him a price based on having that many kilometers on the engine. Tuyop - you need to PLAN this next purchase. What winter equipment do you have for this car?
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Oct 14, 2012 04:11
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I have some steel wheels for winter tires. I need to buy winter tires, no interest Canex plan is the only option. (it just divides the cost of your items by a term and takes it off your pay) Other than that, my wipers will wear out soon and I should be considering a coolant flush and other fluid work soonish. I'm not too concerned about those things. If we bike, we need to get toeshoes a bike (~300 for a used commuter), tires for both of us (60), lights (~200), and pieces of winter gear that we might need (100-???). I've considered the clothing thing. I can probably make do with most of the stuff I have. I just need ski goggles and maybe a heavier toque. Toeshoes needs gloves and a heavier technical cold weather coat. The savings would be disgusting if we survive the winter, though.
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Oct 14, 2012 04:29
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tuyop posted:If we bike, we need to get toeshoes a bike (~300 for a used commuter), tires for both of us (60), lights (~200), and pieces of winter gear that we might need (100-???). I've considered the clothing thing. I can probably make do with most of the stuff I have. I just need ski goggles and maybe a heavier toque. Toeshoes needs gloves and a heavier technical cold weather coat. The savings would be disgusting if we survive the winter, though. I'm a pretty hardcore biker, and I think this is a terrible idea. The savings will be just as good if you drive this Winter then bike next Spring/Summer/Fall.
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Oct 14, 2012 06:25
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Grumpwagon posted:I'm a pretty hardcore biker, and I think this is a terrible idea. The savings will be just as good if you drive this Winter then bike next Spring/Summer/Fall. He's right. tuyop this is a terrible idea, don't risk wrecking your health further by biking in severe winter weather conditions.
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Oct 14, 2012 08:57
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tuyop posted:Other than that, my wipers will wear out soon and I should be considering a coolant flush and other fluid work soonish. I'm not too concerned about those things. Not too concerned as in, you're going to put it off? Or not too concerned as in, it won't cost much? Because if it's the former, I just. You're about to be in a snowy arctic hellzone from the way you describe it. Your car needs to be in fantastic shape. If it's the latter, if you don't know how to do the wipers/some of the fluids, I bet AI would be happy to tell you and you might even be able to save a little more in doing the easier stuff by yourself. Assuming you don't have any leaks going on anyway. And I'm agreeing with pretty much everybody about biking. Wait for spring. Have you had a computer diagnostic run on the car to make sure nothing's screwing up internally? Down here in the states you can breeze past an O'Reilly's or an Autozone and they'll plug you in and see if your car tosses out any codes (and look them up for you if it does) all for free. It might be worth looking around and seeing if anyone does that up there. If something is going wrong (and I'm not saying it is, but you never know) well, preventative work is often less than "oh god my car died" work. Your car has about 20k more miles on it than my husband's car (and 9k less than mine) and I check them every so often just to make sure there's nothing up that hasn't popped a light on.
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Oct 14, 2012 12:41
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Selling a car you're already underwater on seems to be a bad idea, particularly if you plan on spending a bunch of money on winter gear. You won't get more money then you owe for the loan, so you'll keep having to pay that back. You have a long bike commute, in the sometimes harsh Ontario winter, I wouldn't do it, particularly because biking, as you have said, is painful. Don't worry about sunk bike costs, you will make it up in the spring.
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Oct 14, 2012 13:30
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Also, you can't drop insurance on the car since it is owned by the financier.
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Oct 14, 2012 14:15
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Nocheez posted:Also, you can't drop insurance on the car since it is owned by the financier. Even if I just take the wheels off and put it in the forest somewhere?
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Oct 14, 2012 14:34
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It could catch fire or get stolen, and then you'd be out the value of the loan. I'd be surprised if you could cancel the insurance on a car you owe money on, but I wouldn't know for sure.
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Oct 14, 2012 14:40
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tuyop posted:Even if I just take the wheels off and put it in the forest somewhere? I'm almost 100% positive. Check your loan agreement, it probably says that you have to fully insure the car for the duration of the loan.
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Oct 14, 2012 14:58
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/\/\ oh, we'll there goes that pipe dream. FrozenVent posted:It could catch fire or get stolen, and then you'd be out the value of the loan. If that car crosses me one more time I think I might set it on fire.
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Oct 14, 2012 15:23
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Storage insurance may be an option. It's way cheaper than full insurance, covers if someone steals or damages your car, but won't allow you to actually put it on the road. If you're looking at parking up your car for the winter (you shouldn't), then check into storage insurance. By the way, given your luck, you probably shouldn't post things on the Internet suggesting that you'd damage your own car intentionally.
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Oct 14, 2012 18:28
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tuyop posted:It's also apparently incredibly inclement in this area in the winter. Very strong, cold winds and heavy snowfall. I don't know if it's worth it. I'm convinced that cycling can be made safer with lights, but I haven't done a winter here before. I'm mostly of the mind that if we just make it only possible to do the cheapest possible thing, money will be saved and debts will be paid off. But how much is frostbite and dangerous cycling worth? You've already stated why taking your only vehicle off the road and using a bicycle only is a dumb idea: now listen to yourself. Plus, the significant cost of your car is the loan/depreciation. That is not going to change, whether you drive it or not. You might as well spend the relatively small amount extra to use it. EDIT: What you are doing is subconsciously deliberately depriving yourself of comfort as a means of punishing yourself for not feeling like you are being careful with money. spog fucked around with this message at 20:30 on Oct 14, 2012 |
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Oct 14, 2012 18:34
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Probably wouldn't want to do that either.
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Oct 14, 2012 19:11
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tuyop posted:If that car crosses me one more time I think I might set it on fire. I know you're joking about this but note that arson leaves tell tale patterns in the burnt out wreck which will be easily identified by the fire investigator. The usual pattern for arson and insurance works like below. Set insured item on fire -> arson identified -> no insurance payout
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Oct 14, 2012 21:55
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Devian666 posted:I know you're joking about this but note that arson leaves tell tale patterns in the burnt out wreck which will be easily identified by the fire investigator. The usual pattern for arson and insurance works like below. So what is a... Natural way (that insurance would pay for) for a car to be completely destroyed aside from driving it 60 000 km a year for a few years?
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Oct 14, 2012 22:37
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I hope you're trolling with that post, I really, really do.
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Oct 14, 2012 22:45
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tuyop posted:So what is a... Natural way (that insurance would pay for) for a car to be completely destroyed aside from driving it 60 000 km a year for a few years? Well, you could drive it into a lake.
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Oct 14, 2012 22:51
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tuyop posted:So what is a... Natural way (that insurance would pay for) for a car to be completely destroyed aside from driving it 60 000 km a year for a few years? With your historical luck, just keep driving it. Though, again, with your luck I wouldn't threaten any piece of machinery.  It might take the initiative.
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Oct 14, 2012 22:55
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Rent's free in jail, yo.
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Oct 14, 2012 23:02
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Fluffy Bunnies posted:With your historical luck, just keep driving it. Though, again, with your luck I wouldn't threaten any piece of machinery. I believe the response of keep driving it is unfortunately the correct answer. Financially the correct answer is drive it less. On balance if you can get your transport expenses down this will do a lot more to help your situation. Given the number of km you are clocking up you should be spending more weekends at home.
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Oct 15, 2012 00:13
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spog posted:EDIT: What you are doing is subconsciously deliberately depriving yourself of comfort as a means of punishing yourself for not feeling like you are being careful with money. And now he's planning to make his girlfriend suffer just as unreasonably too.
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Oct 15, 2012 00:17
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quaint bucket posted:And $10 for a reflective vest from RONA. Doesn't look cool but works in a quick fix. I feel like this wasn't given enough consideration. It's not like you're on the market for a new girlfriend anyway. Keep it with you always, including when you drive for when you break down.
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Oct 15, 2012 00:43
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Winter is coming, and biking just isn't an option in the winter. How do you even bike in six inches of fresh snow anyway?
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Oct 15, 2012 00:46
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Where I am from they start plowing the roads at like, 4AM and keep crews going if it keeps snowing.
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Oct 15, 2012 00:50
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