Ownership

Bastiat Institute Link

Pete Sisco wrote this at a website called liberty.me.

That’s right up Nicole’s alley, isn’t it?  “Liberty” and it’s all about “me.”

And Pete is bitching about property taxes. He says that property taxes mean that the state actually owns your property and it’s so awful and they will take it away from you in a second and sell it to the next person who comes along, because the state is so in the real estate business.

He then uses an example of how horrible this is.

quote from Pete
click image for link to source

I did a bit of looking to see who in the hell this guy is because I wanted to see if he’s just so stupid he thinks that is a good example of what he’s complaining about, or whether he’s a con man and knows better.  I suspect the latter may be the case.  He writes books and sells online shit and lives abroad.

Here’s what actually happened, according to his little story above.

His parents bought a house in 1964 for about $28,000.

By 1989, when their loan matured, they owned a house free and clear that was worth so damned much money that the property taxes had risen to $450 per month.  He doesn’t tell us where this massive real estate appreciation took place, but we can probably make a reasonable guess.

California?  New York? New Jersey?

Not Kentucky.

However, it doesn’t matter where it was.  The bottom line is that his parents made a very good, wise investment and it paid off handsomely. My guess is that his mother sold the house, took the profit which was considerable, moved to a smaller dwelling that cost less and lived on the difference, just like many thousands of people have done before her.

This is called “capitalism.”

He tells us that his dad didn’t live to see the loan paid off, as though somehow this is the fault of the state.

Furthermore, he doesn’t mention that in most states (certainly where we lived in Alaska) with hot real estate markets, seniors are often exempted from property taxes or given reduced rates in order to prevent them from getting in this sort of pickle (house has appreciated in value so much that the taxes exceed the original loan payment).

What he totally leaves out is that we the people are the ones who set those property taxes.  We the people do this because we the people know that if you don’t have police protection in your neighborhood and you don’t have good schools and you don’t have good public lighting on the streets, your property value will not go up.  Your property will go all to hell and your investment will go right down the drain.

We lived in a small village in Alaska for ten years.

Cooper LandingThere it is. The little town, called Cooper Landing,  actually straddles the mouth of the river (above the bridge is Kenai Lake, below the bridge it’s the Kenai River).  Our house was (still is, it’s just not ours anymore)  about on the yellow dot.

The year-round population is about 300. Many of the people, when we lived there, who owned property along the lake and river-front had obtained it by homesteading. Not Naugler-style “homesteading,” but honest-to-God homesteading, via the Homestead Act.

Homesteading in AK
Click image to link to source

I remember well that in about 2004, the Kenai Peninsula borough did revaluations of all the property in its jurisdiction. Some of those parcels hadn’t been revalued for decades, and when they were, it was a bit of a nightmare.  People were suddenly the owners of property valued at more than a million dollars.

The borough had in place special rules for property taxes and seniors. If you were over 65, you could exempt the first $250,000 or so ( I cannot remember the exact figure – it may have been as high as $300,000 or maybe more), and only pay property taxes on the remainder.  That meant that for most of our seniors, there was no property tax at all.

But some of these folks were taken aback when the revaluation took place and they realized they had property worth well over the exempt figure and hence would have to pay property taxes. And some of them simply didn’t have the income to do that.

However, the folks in that predicament had a very big asset – their property.  In one case, the children of the homeowner paid the taxes for their parents because they were going to inherit the property and everyone who lives up there wants property in Cooper Landing (it’s a resort). And some folks opted to sell, pocket the money and buy something in a cheaper neighborhood.

But the point here is that we the people ran the Kenai Peninsula borough. We the people elected the representatives.  The Peninsula has a population of about 55,000, so we pretty much knew the folks we elected. We’d met them.  We the people determined that even though it was going to create some hardship for a few people, it was in the interests of the population as a whole to do those revaluations. We needed more troopers (we had one state trooper who tried to be available to an area bigger than most counties in the Lower 48). We needed better fire protection, which directly affected our insurance costs. We needed to make sure that adequate facilities existed along the Kenai River to protect the salmon because they are the life-blood of Cooper Landing.  No salmon, and the local economy would collapse. (The Kenai River is one of the most famous, best salmon-fisheries in the world.)

The “state” didn’t do any of this. We the people did it.  I was one of those “we the people.” And I remember discussing all this at our little Community Club meetings in Cooper Landing.  The town was unincorporated, which means there was no real “government.”  What served as a quasi-governmental body was the local Community Club.

community clubThere it is.  The addition on the right end was added while we were living there. We the people decided to add it on. It includes a full kitchen, bathrooms, storage space and a furnace.  Prior to that, we used the outhouse (not visible in the photo), there was no running water or kitchen facility at all and no heat except a wood stove.  I have gone early and opened that building numerous times and built a fire to get it warm for a meeting.

You have to live in Cooper Landing to belong, and the dues were nominal, about $50/year.  Meetings are generally once a month. They are a window into what democratic government is like. There is an elected president, who chairs the meetings and tries to keep order.

However, there are arguments and lively discussion, and occasionally a fist fight.

The Community Club maintains a small park along the highway, along with a site that had a large antenna to rebroadcast television signals. We had drawn up a map of the town and created parcels that were ultimately offered for sale by the state, with much discussion about how big they should be (relatively large) and how many there should be (not very many) and how much land needed to be left wild (a lot). And while our map wasn’t the final word on the subject, it was in fact a big influence on what the state finally did with that land. The village has a volunteer fire department and rescue squad, with oversight by the Community Club and lots of discussion and arguing over it. The local cemetery is the property of the Community Club (plots free for residents).

All administered by we the people.

Not by some nebulous thing Pete Sisco calls “the state.”

The fact that Cooper Landing is teensy and we could all see democracy in action doesn’t change the fact that my county in Kentucky runs along very similar lines. The issues are different, of course.  The population is larger and I don’t always know everyone who is in office, nor do I even always know the details of every issue that arises. But the principle is the same.

We own property here. We want our property to at the very least maintain its value.  For that reason, we want our road maintained. We want to make sure we have police protection and that meth labs don’t spring up all around us. We want to make certain that our neighbors don’t let their livestock run loose and destroy our land, or create hazardous waste by not having adequate sewage disposal facilities. To ensure that, we pay property taxes that support the court system and the local schools (so our neighbors are more likely to be educated and not need to make meth to make ends meet).

But we already knew all this, didn’t we?

It’s Nicole who doesn’t seem to know it.

 

25 thoughts on “Ownership”

  1. Wow, compared to you I’m a city girl! Cooper Landing…what a place. I think there are some people here in Kodiak who wish we were more like Cooper Landing than like Anchorage.

    Anyway, while we don’t like having to pay property tax, we do like having sidewalks, instead of slippin’ and slidin’ in the mud when we try to walk anywhere. We liked having the fire department show up, as embarrassing as it was, when we were trying to figure out the damper on the new woodstove and the house started smoking like a hippie van. We like having driveable streets in the winter. And because a massive sense of entitlement don’t pay for no beans, we cover the costs of these services with property tax.

    And, yes, if we refuse to pay our property tax, a lien may be placed on our largest asset in order to cover the payment. And because we don’t own a commercial fishing boat or a business, that largest asset happens to be…our residential property. It’s just bookkeeping.

  2. Cooper Landing is my idea or paradise. How could you leave?!

    It’s pretty super. It’s a terrific little town, complete with great people. We had some of the best neighbors in the world, and I think of them often.

    However, it’s very dark in winter. And “winter” lasts from about mid-October until well into April. At our house, we lost the sun (it never rose above the mountains) from late November until mid-February. The summers are glorious but only last a few weeks. Winter just got to us. We were also getting old enough to start to be concerned about living in a place that remote. They have an active Senior Citizens group, along with housing just for seniors, and we knew we could move there if need be, but decided against it in the end.

    In spite of the Permanent Fund Dividend (the tax money that all Alaskans get every year – they don’t pay income tax, they get income tax money), the cost of living is quite high.

    So we moved to Kentucky, where the thermometer promptly plunged to well below the temperature in Cooper Landing at the same time. 🙂 That sort of made me swear. I admit it.

    Even in winter, though, we have sunshine here.

  3. new years eve

    This is New Year’s Eve at the Community Club. We always hired a band and partied pretty hearty. I have the red flannel shirt tied around my waist, and that’s Dave with me. I think I got smashed that night.

    house in winter

    And this is our house in winter. That photo was taken in midday. That is as light as it ever got during November through February. No sun, ever.

  4. We spent 4 years in Alaska, near Fairbanks. Near the winters solstice we had sun from around 10 am to 2 pm, give or take 30 mins (been a while). But summer it was 24/7. Also had moose meandering around like they owned the place, which they pretty much do lol.

    I’m reminded of some of the issues though, as it was very Alaska vs “outsiders”. They really didn’t like it when Lower 49’ers came up and tried to change things, even when it was for good. One thing that fascinated us when we got there was a cemetery on the edge of town, where the graves had not just little trinkets left but were covered in momentos…clothes, toys, all kinds of different objects. The cemetery was taken over by a different company, which carefully bagged up the objects on each plot and marked them. Relatives were given prior notice so they could collect items and then were contacted so the bags could be picked up or shipped to them. All hell broke loose. Mainly it was “How dare people tell us how to live our lives, leave us alone and let us do things how we do them”. Except if you’ve watched a couple episodes of Alaska State Troopers you’ll see why that’s not such a great idea…..

    For someone that uses public roads, libraries, and other services she sure does like to complain about taxes. I can bet if there was a brush fire or other disaster she’d expect local services to show up.

  5. Alaskans are Alaskans first and Americans second. Always. I have never lived anywhere quite like that. Even people running for office have to produce their “Alaskan credentials.” The longer they’ve been in the state, the better, and being born there is ideal.

    I understand a lot of it because you do get sort of tired of always being left out. The state counts for nothing in any federal elections. I’ve had mail order people tell me they don’t ship “internationally” or that I had an “invalid zip code” and I even had one person ask me if I knew what the exchange rate was.

    A woman in my mother’s church wanted to know if we had to give up our American citizenship to live there.

    So, yeah, they feel like they don’t count, so they pay little attention to federal politics (except insofar as it affects Alaska), and a whole lot of attention to Alaskan politics. There really is an Alaskan Independence Party and they really do want to secede from the Union. No kidding.

    And they HATE for outsiders to come in and tell them what to do or how to do it. Just hate it.

  6. Ugh. I worked for a merchandising company that handled wholesaling for a bunch of little souvenir makers. The way it worked was, I went around to local stores, got shelf space, ordered product, and kept it stocked.

    Until one bunch of people decided to centralize. They still wanted me to bring stock out from the back room and keep the shelves looking nice, but ordering would be done from someplace back East TYVM.

    And suddenly I was getting five, ten times as much stuff in one shipment as a Kodiak-sized store could possibly move in a year, and it was all labeled for Ketchikan and Sitka. Sitka! And Sitka was getting stuff labeled for Fairbanks. Fairbanks was getting things with whales and puffins on them and I was faced with boxes and boxes of moose and polar bears. And it wasn’t just my company. Two other companies shared the market and they were getting messed over just as badly. My counterpart with Arctic Circle Inc. was livid. Everything that dingbat in Charleston, or wherever, had ordered was too heavy to ship back, and when she was called about the errors, she said airily, “Oh, people can just drive down the road to get the one with the right label at the next town.” Because of course that is a thing that one can do in Alaska.

    So the dingbat from Charleston (or wherever) first toured the stores for which she did all of the ordering about a year into this mess. My counterpart with Arctic Circle told me that she had stopped at the Kodiak store while I was somewhere else. And picked up one of the ulus, iconic Alaskan (and Canadian) knives of Native design, that she had personally ordered by the gross. And said, out loud, “What the heck is an oo-lee?”

    Argh!

    So they replaced the dingbat from Charleston (or wherever) with somebody who would only order the tippy-toppest boutique items and then complained that the souvenir section never moved anything. But at least the warehouse didn’t have to figure out where to put a palletload of little Teddy bears labeled “Hugz from Homer.”

  7. My state’s property taxes are state-constitutionally capped at 1%, and increases are based on the previous year’s property tax, and can be increased by no more than 1% of that 1%, and still must stay below 1% of the market value. We bought our home late last year, and the value (just had it redone) is up almost a whopping 20%.

    Taxes aren’t fun to pay. But someone has to pay for the libraries and the museums and the roads and bridges and social programs (I support every single initiative to INCREASE it), and no matter what Nicole says, almost no one will voluntarily write out monthly checks to the government. I’d miss the roads being maintained more than I miss the taxes we pay (about $250 per month). And the way we see it is this is a fair trade-off for no income taxes, and we are willing to pay more. We want children and families to eat. We want the museums to be there and to keep being able to have free-admission days. We use state-provided services and need to pay our share, and taxes are one thing to consider when planning to buy property. If you can’t cover the taxes, you can’t afford a house yet.

    Now if Nicole wants to complain about property being owned by the government, instead of taxes, look into eminent domain. THAT is fucked up, and that keystone pipeline will likely result in a lot of people being kicked out of their homes and paid a pittance.

  8. My husband and I own property (small little farm) that my daughter and her family occupy and more recently we put a bid on some property right outside of town. I am paying cash for this new property and will be responsible, like everyone else, of paying my fair share of property taxes. I love what that money is used for and would never object to an increase because my grandchildren go to the public school; we use the library; we love having paved roads; I feel good about the fire department and firemen’s training; we have a fine police force and I am confident that they could help me if I gave them a call; we love the water plant that treats the water (I know, we pay for that separately but hey); we also love that we are close enough for connecting to the sewer system and have trash pickup (again, we pay but it’s all a part of the big picture of things we chose to pay for); and the emergency medical care in our town is as good or better than that found in huge cities. I am so down with the village mentality that I buy extra school supplies and drop them off at my grandchildren’s schools so that the teachers can provide backpacks and such to kids whose parents are having a rough time. I also donate to a local shelter that houses children who are not able to be placed with foster families. Unlike some folks (no one here, of course) who are out for number one, I enjoy community and want to participate and help when and wherever I can. So sure, my property is paid for and once the bid is accepted for this new property, I will own it outright but I will pay all my property taxes and will not oppose raises in said taxes should the reason for the increase contribute to our little herd in our little area. I am a registered voter and I vote in every election, so unlike those who don’t vote, I do have a say. I am an informed voter so I research the hell out of those issues and make sure I know the pros and cons….well, you know…it’s all about being a critical thinker…..Hey, N…you get what you pay for…..

  9. “Hugz from Homer.”

    This whole account had me laughing. It’s just so. . . Alaskan.

  10. I simply do not understand the mentality of people who do not grasp that the “ebil gubmint” is responsible for providing services that they depend on. I like the idea that if I pick up the phone and dial three simple numbers an entire team of trained and experienced professionals will speed to my door to put out a fire or take me or my children to the hospital for medical care. I love driving on roads that are patrolled by professionals who not only insure that other drivers obey traffic laws that help keep us all safe, but who have also pulled over on a very lonely stretch of highway to wait with me until AAA arrived. Do they really want to live in a society where only those who have the cash up front to pay for things like infrastructure and protection from fire,etc…. have access to those services? Do they not get that these services actually require investment? We all agree to pay a portion of these services, because ultimately we all benefit from them. Have I ever had to have the fire department come to my house? No. Have I ever had to call 911 to get EMTs to my house? Nope. However, about five years ago a fire started about two houses down from me. I live in a semi arid desert. It was July, the temperatures were well over 100 and the winds were high. When the fire trucks came screaming down my street, they were not only protecting my neighbor’s home…. They protected the entire neighborhood from a fire which could have been catastrophic and life threatening. I really wonder about a person who is so ignorant that they do not understand the consequences that lack of infrastructure has. Chicago Fire of 1871 anyone?

    Do they realize that if you don’t want to pay for septic/ sewer services and a health department you can always go to India where tossing your sewage out the window into the shit canal that runs through your slum is totally fine. Who cares about the risk of gram negative bacteria that breeds rampantly in those conditions? And the fact that monsoon season turns the literal shit stream into a poonaumi that floods homes is totally cool, right? I mean your child becoming infected with a life threatening diarrheal illness is way better than being a slave to the state, right? Not being able to take aforementioned child to a hospital emergency room without cash upfront is super empowering, I bet.

    I think that if I bang my head on the wall any harder I’m going to need EMTs. Fortunately, if that happens I can call them. The fact that they will come even if the wound is a result of my own idiocy and that they don’t check that I’m current on my property taxes before dispatching help is pretty damn cool.

  11. I enjoy taxes about as much as the next person but all I have to do is consider what would not be around without those taxes. The Nauglers have reduced their lifestyle to what is now homelessness on essentially rent to own land and they had to find an ideology to justify living like that. For some reason that does seem to be a constant with them. They have never been particularly attached to any ideology (except everyone owes them all things for merely existing) and will abandon it as quick as anything if it involves real effort and find a new one. When they had their nice windfall last year they left their property and lived in a motel for a time. Off-grid ideologies and work were trumped by a real bed, AC, and all-you-can-eat ice cream.

    But, in spite of their hatred of the law, government, and those who administer and enforce those elements of civilization, the Nauglers certainly clamor for the protections of a civilized land. They seem to advocate a lawless land (for everyone else) where they could do no wrong and have no accountability and through force of strength they could take whatever they chose. But such countries do exist and the ones who suffer most (are preyed upon) are the elderly, young, sick, and women. Would the Nauglers like to recall Ghana and Nigeria’s civil wars during the 90’s? Does Joe think he would pass for a warlord of some kind? I thank the deities, Age of Enlightenment, and even our presently acrimonious elections that we have laws and taxes that enable law enforcement. Without law and its protections, obligations and stability very little greatness or achievement can be had. Instead, we would be nation of and ruled by…..Nauglers and their clones. No thanks

  12. Well,
    Wonder how court went? It seems as if they are having their romantic Hardees date; of course, they brought the baby. It must not have gone well because she isn’t bloviating about lack of proof, etc.

    I am on pins and needles awaiting the next installment….I need a life….LOL

  13. My property taxes are really high. I own my home free and clear- a short sale I paid cash for– and the property tax payment is smallish-mortgage sized.

    But when you consider everything I get for that? Great schools, roads to drive on, public libraries with amazing programs for my kids, public playgrounds and a pool, and that’s just the fun stuff and not the, “oh crap we need this to live” type stuff. It’s a bargain.

    Of course, I was a whore of the state, so those tax dollars also paid my salary.

  14. I guess it is frustrating to pay continually increasing property taxes when you are constantly devaluing your potential capital gains, as in the case of the Nauglers. But as usual she looks outwardly blaming the system rather than putting in the time and sweat equity to improve the property to offset tax increases. The “sweat” part gets them every time.
    NN is such a contradiction in terms. She is constantly yammering on about freedoms, homesteading and the simple life but when you follow her writings you see her parasitic and damaging lifestyle.

  15. I, like many others, do not enjoying paying taxes. But it is the cost of living in a civilized society. Taxes help maintain our schools, museums, infrastructure, etc.

    I sometimes wonder if she bemoans home ownership because it’s something she does not have. Her modus operandi is to cut down and belittle anything she does not have. I think it makes her feel better about what she lacks.

    Well I for one enjoy the security of owning a home. Yes I still have a loan but as long as we make the payments it will continue to be our own. I won’t have to worry about finding a landlord to rent to our family, I won’t have to worry about uprooting my children. These are all things that must keep her up at night. So to bring everyone down to her level she cuts things like homeownership down.

  16. Joe is out of shape, slow, he wheezes when he walks. Not warlord material. I doubt he is even boss of his homestead. Looks to me like the Mrs doesn’t even trust him to go to court for his own business, she gotta go with him and make sure he don’t take anymore shit deals and coming home to tell her how he won.

    I don’t imagine the kids think of him as much of a threat these days either. All they got to do is walk fast to get away from him. Go into the deep woods so they can’t hear his bellowing.

    Nope, ma done castrated that hog.

    She ain’t much warlord material either. First off she’s always pregnant, a big game stopper if you want to rule the world. Both of them are all talk and no action. Very little sweat involved and not enough smarts to get anyone but their kids to do for them other than send pity money. Their brave new world would have even less of a place for them than this one does.

    Not that anybody has to worry about it. It’s a losing philosophy. They’re still trying to get their act together in New Hampshire, home of the free to argue with each other and get nothing much done. Then again, did anybody expect different from them.

  17. The land company pays the taxes on the land, not the Nauglers. I truly doubt the taxes they pay on it (value as declared by the county) reflects the price they charged Nicole and Joe. I bet they charged them a great deal more than the county assessment.

    After all, when you look at the public record, there isn’t even notation that there is a DWELLING on that piece of land.

  18. @#sendsnacks,

    Yes, the notion of either of them being some sort of warlord ala West African civil war, or anywhere with similar conditions, is absurd. And hilarious. Joe seems to have grown a bit since I last saw him (admittedly I have too). Yeah….no….wheezing and waddling in crocs is not likely to engage much of a following regardless of his status as some sort of virtual, ‘pay no attention to that pseudo-man behind the curtain’ national response team recruiter. ‘K it’s getting hard to type here as I am laughing so hard.

    But on a more sober note is the point that Joe and Nicole’s notion of unsanitary Nirvana would be far worse than they could ever imagine. During the West African civil wars families like the Nauglers would be particularly targeted by anti-government factions. The draw was boys who were forcibly taken away from their parents to fight for the rebels. The parents were generally killed or maimed and any and all supplies stolen. In Nigeria it seemed to be a practice for rebels to lop off hands, feet, and ears with machetes. What happened to the girls? Let’s not go there. The point is that Joe and Nicole seem to believe that if conditions existed as they seem to want that they would be on top of the heap for once (aka mighty warlords…nope). But if rather recent history is anything to go by they would be….not good to think about. Funnily enough, during those civil wars it was groups of families and communities that looked out for each other and hid each other that fared better. Isolation was very dangerous. If the Nauglers got their wish concerning laws and taxes their practice of alienating their neighbors and community would leave them very isolated. I like my taxes.

  19. Very, very few of the people who fantasize about being on top if SHTF or after TEOTWAWKI or what have you would survive for even three weeks. Let them fort up in their redoubts and shoot anyone who comes near. They can kill each other over who gets the last roll of toilet paper and then starve to death on a pile of rancid unground wheat berries. Meanwhile, those of us who actually know how to do things will be getting together with our neighbors to ensure clean water, safe food, and warm winter quarters for everyone and arrange an apprentice system so that valuable skills get spread around. When the smell from the redoubt dies down, we’ll clean it out.

    Speaking of which: the one piece of sensible advice that came out of the whole Y2K fufarrah was that if you’re worried about total social breakdown, you should learn at least two skills that will be useful to your community after permanent breakdown of national infrastructure. The writer (her site is gone now, sadly) suggested bicycle repair, nursing, bookkeeping by hand, manual typewriter repair and maintenance, clothing repair, and expert child care as things that other people will need but may not have thought of.

  20. I live in a *gasp horror* socialist country and I am happy to pay taxes. Yes, it would be lovely if we lived in a paradise where everything we needed and wanted was free and appeared with a snap of our fingers, but we don’t. Infrastructure and services cost money and the government and taxes are the best system we’ve come up with yet for collecting and then spending that money. Of course it isn’t perfect by any means and sometimes the bureaucracy I’ve dealt with borders on the absurd, but I do not believe for a second that you could do away with it all and that church there and that community center there could accomplish the same things without coordinating…and once you start everyone coordinating together what do you have? A government.

    Our taxes are high (although not that much higher than the US once all is said and done) and for that I have never seen a pothole, we can get sick or injured without the added worry of financial ruin or even a hefty bill, our elderly are given things like free public transport and checkups from home care providers, there’s generous maternity/family leave (and nurses who check in on you at home), very affordable child care and higher education, instead of an enormous hospital bill when you have children you are paid every month money towards their care. Because women know they’ll be looked after medically and then able to care for and feed their children after they are born without begging, abortion rates are low even though it is legal and a non-issue politically. I pay .93 cents a month for my brand name heart medication. If I did not pay to have extra private health insurance on top of the basic care everyone receives no matter what, it would be a whopping 1.50 a month. And we pay 180 euros a year total for that private insurance, which covers 2 people. Yet we are not free according to some. Feels pretty free to me.

    My American mother was chastising me recently for getting a hefty tax return. “You shouldn’t let them have it” she said. “Make sure you’re not overpaying, better to keep it during the year and not get a return.” I said “it wouldn’t earn us very much in the bank and I like having the library and fire department and school lunch programs.” She said “Oh” like she had never considered in her life that that was what taxes were for (to be fair I am not sure what they’re using them for where she lives, certainly not the roads).

    Thanks for sharing your time in Alaska, Sally. It’s always seemed such a beautiful place to me.

  21. Rose- I wish we had universal health care. I wouldn’t mind paying higher taxes. We had insurance up until this year. We could no longer afford it. It was our highest bill- higher than our mortgage, property taxes, and home insurance combined by hundreds of dollars. Our deductible was in the 1000s and we had to pay a percentage after that was met. The birth of our daughter ate through our savings super fast. She is the only one who has insurance at the moment. I get extreme anxiety thinking about if something happens to my husband or me. Hopefully next open enrollment we’ll be in a better position.

  22. Our deductible was in the 1000s and we had to pay a percentage after that was met.

    I was in exactly your position until I turned 65. I had been hanging on by my fingernails hoping I’d stay healthy until then. I did get to buy “real” insurance (that other shit isn’t health insurance – as President Obama so correctly said, it’s actually asset insurance) when Obamacare kicked in and had it for three months until my Medicare started. Since then, I get annual physicals, and all the stuff I should have been having for years.

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