Stop what you're doing
Let me see your car
>>13810820
Niiiice, anon
>>13810865
where do you live?
Took the shot about an hour ago.
>>13810975
those things have the worst turning radius. i dont know how they fucked them up so bad
My car
>>13810806
Thats an suv
>>13810865
That's a truck
>>13810974
Mexico
>>13811002
thats rough
>>13810865
Greetings from British Columbia, brown brother.
>>13810806
That sucks you broke down OP.
Do you need someone to call a wrecker to haul that shitheap to the crusher?
>>13811013
he looks prepared for that.
>>13811009
3 Series E46 1999 BMW
My 6 speed slowmaro, want to change out the wheels the PO put on but am broke so it's gonna have to wait for now.
...stalking
r8
>>13811478
gr8
![12190025_992519834122459_3375561793315459681_n[1].jpg](https://i.imgur.com/L5kWam8.jpg "12190025_992519834122459_3375561793315459681_n[1].jpg")
Blown head gasket : (
>>13810975
I like dem rims
>>13811013
No senpai I was having fun out in the desert
>Canadian
>summer is gone
>it will be winter any day now
>it will be at least 6 months before I get to see my vehicle NOT covered in filth and shit again
>>13812062
how can you deal?
The flags died, looking to get some CB antenna brackets and putting new flags on.
>>13812168
by having healthcare lmao
It's been a nice car for my first one.
>>13812246
http://www.npr.org/sections/health-shots/2015/10/30/452824494/steep-hikes-in-insurance-rates-force-alaskans-to-make-tough-choices?utm_source=facebook.com&utm_medium=social&utm_campaign=npr&utm_term=nprnews&utm_content=202601
Gunnar Ebbesson is used to paying a lot for health insurance, but the small business owner from Fairbanks got a shock recently when his quote came in for next year's coverage.
"I don't understand who can afford this," he says. "I mean, who really can afford this? I can pay it, but I can't afford it."
The premium for his family of five came to more than $40,000 a year. That's for a bare-bones plan with a $10,000 deductible — the plan that's through the marketplace set up by the Affordable Care Act.
>>13812168
I can barely deal anymore, I'm a poor student so winter is just fucking commuting and PAIT traffic jams/accidents. I don't even have enough money to go snowboarding every weekend, I get out a few times a season if I'm lucky.
>tfw owned fun Mada3 5 speed
>gets smashed up by careless girl
>have to buy second vehicle in a hurry before school starts
>realize I'll be driving the Highway to Hell every day
>massive wind gusts, constant snow and ice, hills and valleys, etc.
>forced to buy something practical with AWD
>end up with boring RAV4
It's a good vehicle, very practical.
But fffffffffffffffffuck it's boring.
Which one?
Just got this. 1.8l turbo. Love it.
>>13812282
Small buisiness owners are really getting fucked hard by the ACA. Most don't bother offering health insurance these days to their employees because they are supposed to pay a certain percentage of the premium if they offer it.
>>13810820
Nice Mk1
>>13812281
Fiesta was my first too. Really fun little cars.
Got this now >>13812299.
>>13812282
>The premium for his family of five came to more than $40,000 a year. That's for a bare-bones plan with a $10,000 deductible
Holy fuck.
1.) That is expensive as hell.
2.) That is more than most people in my province pay in total income taxes in a year, and our income taxes cover everything from health care to policing, education, etc.
3.) I want to say he'd be better off just not having health insurance for 1 or 2 years, and investing that money instead, but if even one of his kids gets sick with something minor it'd probably cost 20-40 grand.
America is kind of fucked, to be honest. I bitch about our gun laws in Canada, our bleeding heart bullshit tax-wasting politicians, and the increasing cost of tuition....but America is fucked when it comes to paying for healthcare and education.
>>13812330
There is also a fee if you don't have insurance.
>>13812309
So rather than regular, intelligent people managing their money so as to afford reasonable health insurance...they are now forced to buy it. But because everyone is now forced to buy it, there will be a greater draw on these resources, meaning companies have increased rates to compensate for Bubba's triple heart transplants, Tyrone's repeated gunshot wounds, and Fabio's monthly prolapse repairs.
Now, instead of having reasonably affordable health insurance for people who manage their finances properly, they are bent over and fucked so irresponsible fucks can have coverage too.
America isn't a socialist country, this shit is sure to be a massive failure for you guys. You're not set up to have that kind of nanny-ism. Fucking Obama, what a clown.
alrighty
>>13812361
>There is also a fee if you don't have insurance.
So how does that work? Like, if you go to the hospital and don't have insurance, they charge you for the services AND another fee for not having insurance? I don't understand why they didn't just leave this whole thing alone. If you don't have health insurance, that sucks for you.
>>13812399
>So how does that work?
It's actually a tax penalty. When you file your taxes, it's either taken out of your return or you owe it.
>>13812387
Does Ford intentionally change the front end of their trucks every so often, so as to make the previous generation look noticeably older and dated? I feel like they try to shame/guilt people into buying the most recent model, because style-wise it's noticeably different. Like when they did the change in 1997, and again in 2004. Anyone I see driving a 1997-2004 I automatically think "wow, he fucked up in life".
>>13812413
So you can either pay out the ass for health insurance, or you can not buy it, and then pay out the ass with a tax penalty? What is the penalty amount?
Hahahaha Jesus Christ, someone tell JOSEPH STALIN to get the fuck out of the White House already.
>>13812381
Exactly. We really need to either a) go to a single payer system or b) just go back to how it was. The rates are going up again in 2016 too.
It's not just Obama to blame m8. It's easy to scapegoat the president but Congress is equally to blame, if not moreso
>>13812419
The 97-04 is exclusively for the hispanic who has made it in life.
>>13812427
>>13812312
im keeping it pretty stock
it has some upgrades, but nothing really major
cam, some engine work, some suspension work
but stock brakes and good exhaust, and an autox alignment.
even has working ac
the weird thing is i have never had a car that heats up so fast. from dead cold to the thermostat opening is like 2 min.
>>13812062
>Canadian
>Can't wait to be a COMPLETE loser with my friends through the snow and ice
>6 months of a completely different type of driving
I completely agree though. It pains me to see a car I clean so regularly during summer, be covered in crap for so long.
>>13812448
still cheaper than $40,000 a year.
>>13812427
>What is the penalty amount?
Looks like a max of $2700 according to the page I'm looking at.
My dad retired and he's been looking for a new plan (since their current insurance provider is folding) and they're looking at about $1100/mo just to get a deductible under $10000, and that's not even the max OOP. It's a total clusterfuck for people above the poverty line shopping for insurance independently, not to mention destroying any private practice healthcare and small private healthcare providers that would actually provide healthcare at a reasonable cost.
>>13812493
>Can't wait to be a COMPLETE loser
Yeah it's great fun when some 60 year old Chinese lady slams her giant Audi SUV into the back of your car in traffic.
pic related, can't wait for Canadian winter commuting it's such great fun
>>13812494
That doesn't include charges when you have to go to the hospital, which are higher if you don't have insurance even before your deductible, and that's if the hospital will admit you with no insurance.
>mfw NHS
>>13812512
>which are higher if you don't have insurance even before your deductible
Not exactly. Healthcare billing is complex and fucked up.
>>13812453
Original GTi's are getting really hard to come by, so that's nice to hear. Alpine white is one of my favorite colors too, always kind of regret not painting my Scirocco that color.
>>13812504
>$10,000 deductible
Canadian here, holy mother of fuck. If I get sick, break my leg, need surgery, etc. I just go to the doctor or hospital. Don't even think about it. The only stuff we pay for are ambulance rides (if we don't have insurance), and non-essential prescriptions (i.e. some skin care product, Hep B vaccine, etc.).
I was in between school and working for a little while, didn't have insurance. Had to get some minor dental work done, holy fuck. $300 just to get a chip on a tooth repaired. I can't even imagine how fucked it is for people who need braces and shit, and don't have insurance. I wish our health care covered dental and eye stuff too. I guess the government figures we just need organs and bones to live, not eyes or teeth.
Oh but trannies can get subsidized surgery to have their dicks chopped off and start hormone therapy. That's considered necessary by our provincial government. But not dental. Or eyecare.
>>13812538
How can they refuse to help you if you need medical attention? That sounds illegal. Like, what if you die the next day or some shit, and they could have saved you?
>>13812538
According to the bills I get from my insurance company they are. It'l have the "billable amount" then the "discount" I get for having insurance, then the actual amount billed.
>>13812509
Man, I hear you. I've lost 2 cars now to inexperienced drivers in winter conditions.
My first car was pit maneuvered into a ditch on the 1 by a teen my age (at the time) who got squirly in his pickup truck.
My car before my current one was side crushed while I was at my family's house for the holidays. (it was parked out front while I was inside)
Such is winter.
>>13812546
ausfag here similar deal
you can have some dental work done for cheap (government pays for most of it), like emergency stuff. but i had braces done and that shit cost 7k. dentists know they can charge out the ass and people have to deal with it if they dont have insurance.
>>13812553
If you are literally dying they will do what they need to, but will charge you 100% for it. That includes about $2k for just staying in the hospital overnight [depends on what state you live in]. It's a similar fucking if you end up at an out-of-network provider even if you do have insurance.
freshly cleaned
and finally again with steelies instead of my hideous aluminium wheels.
>>13812562
Winter + Ontario. This province is like Hell frozen over, the second a snowflake hits everything goes to shit. Doesn't even need snow, some twit trashed my last car after a light rainfall.
I never park near the road in the winter, goddamn snowplows clip peoples' front ends way too often.
>driving home on backroad one night
>snow plow clearing giant swath in front of me
>oh goodie clean road to drive on
>see something dart to the right of the plow
>what the fuck was that a robot?
>few kilometres later see the same thing
>look to right, into open field
>see fucking MAILBOX 30 feet out
God knows how many people left for work the next morning to discover their goddamn mailboxes exploded all over the place.
>>13812546
>If I get sick, break my leg, need surgery, etc. I just go to the doctor or hospital. Don't even think about it.
That's how it works when you have decent insurance. If you're unemployed, self-employed, retired, or otherwise shopping for your own insurance and make enough money to not qualify for ACA subsidies, your options for insurance are absolute shit.
>>13812553
>How can they refuse to help you if you need medical attention?
Private hospitals can refuse non-essential treatment. Publicly funded hospitals have to accept you. All hospitals will accept you for emergency stuff.
>>13812556
>According to the bills I get from my insurance company they are. It'l have the "billable amount" then the "discount" I get for having insurance, then the actual amount billed.
It's really not that simple. In a really, really small nutshell, a hospital will send an insurance company a bill for some retardedly high amount. This is referred to as "gross billing." The insurance company will say "we'll give you this much." There may or may not be some negotiation, and the insurance company pays the hospital some amount lower than the gross billing. As an individual without insurance, the hospital will send you a bill at the gross amount, which you have the freedom to negotiate.
Orlando fl.
>>13812578
Yeah the only dental/eye stuff that the government will cover is absolute emergency-tier shit. Friend of mine didn't have very good coverage through his work, but ended up with a fucked up molar. Went to the dentist, was told that they couldn't bill the government unless it was infected and posed a higher risk. He basically had to wait 4 days before a minor infection started, then went to emergency and they scheduled him to have it removed the next morning.
How fucked.
>>13812600
>freedom to negotiate price of health care
Holy shit this is some 18th century-tier medicine. How the fuck do they not just have a set price for something, but rather they try to JEW everyone out of as much as they possibly can. Christ almighty that is messed up.
>your bill is $18,000
>but I can only pay $8,000
>OK you can just pay us $12,000 instead
What the literal fuck.
>>13812588
Oh god, Ontario + Winter indeed.
I've only had the fun of winter in Alberta and Manitoba. The drivers cope with the weather much better, but there is more weather involved :P
Don't really have to many notable stories though. Typical "snowfall up to my door mirrors" and "prepare your anus for the icy downhill"
(Picture is my first car that got trashed when I got spun out on the Trans)
My mkv fairingheight edition #59 out of 1200 aka "cheeto"
Color looks off in this photo though unfortunately.
Currently saving up to either do a tune, exhaust system, or coilovers to drop it. Any recommendations on what to do first? I'm thinking exhaust because I love how the mkv's sound with a low bassy tone.
>>13812637
>How the fuck do they not just have a set price for something
It's because insurance companies want to pay as little as possible. They balance what they're willing to reimburse with how valuable it is for them to have that healthcare system in their network. As long as you have insurance and hit your max OOP amount, you will never see this process. In fact, these negotiations are totally private and healthcare providers don't know what an insurance company reimburses another provider for the same service. It's shady shit. Gross billing amounts have very little reflection on what the services actually cost, they're more like a starting point for the haggling.
Of course if you're not savvy to medical billing and you find yourself with a bill and no insurance, you'll get taken for a fucking ride. It doesn't actually cost $10,000 for a basic MRI even though that's what a large healthcare system will try to charge you.
>>13811020
majestic
>>13812683
Someone needs to be a whistle blower. Blow this shit wide open. Blow some whistles or something.
Fuck. Toot toot already.
>>13812718
>Someone needs to be a whistle blower. Blow this shit wide open. Blow some whistles or something.
It's not a secret. It's just not something people care to learn. They'd rather blame doctors for being greedy, even though the doctors get fucked by the system every day. The only organizations/people that don't get fucked are the large healthcare providers (like large university hospital systems) and insurance companies. Insurance collects fat ass premiums with deductibles so high that nobody will meet them, so insurance doesn't pay for the healthcare. The large healthcare providers charge whatever the fuck they want for any given service, and the get (relatively) fat reimbursements from the insurance companies because the insurance companies want to be able to tell their customers that the Big Brand Name Hospital System is in their network.
Healthcare insurance in the US has needed a massive reform for a long time, but everything that has happened in the past 10-15 years to try to regulate or change it has made it way, way worse for private/small providers, employees, and patients alike. I'm inclined to say that most of these changes (especially the ACA) have been intended to crash the system, but maybe Hanlon's razor is at play here.
weighs under 900 now on scales!(full roller only missing eng and trans)
>>13812795
>>13810974
Arizona not Mexico. Basically the same.
>>13811020
what a beautiful pic
O...ok
