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Thx casey, its just bad timing due to me being so far over budget on the house remodel. But there is never a good time to break your hand. I am a minimalist guy these days, spending all this money on this just really upsets me. I wanted to use this money for a cruise vacation.
Also just learned tomorrow can only do digital block with lidocaine, the surgery will be on thursday, so two more days of pain.
Also now getting pressured from family to give up one of my dogs, the youngest, that did this to me. Complex situation, lots to process, pain, money. I need a break...
A left pinky is a usefull tool.
It's a great help if the left ear tickles you, but it's also good for MANY other things.
Take care of your finger Mike.
I feel so bad for you because this incident involved your loving dogs.
Don't let this incident affect you too much on the psychological side.
Take the time to recover.
The cruise vacation is just delayed.
Mike, try to rest up and take a few pain killers between now and surgery. It's really important to get your hand fixed up properly, otherwise you may end up with problems for the rest of your life.
I know that it is expensive and bad timing, however you need to look at the bigger long term picture of getting your hand fixed. You'll make the money back - you'll now have an additional trading goal to add to your list.
Take care, be positive and stop typing on your computer as this is not helping your injured hand!
I hope you didn't think I was minimizing what you are going thru with my post. I've been there myself, several times.
Don't give up on the dog, nor think it was really the dog. If dogs get into fights, they are in another world. What we humans don't know is they tend to go for the ears, neck etc, and putting our hands there is really a disaster.
No one can say if the dogs need training, other than you, but Cory had a good point about Cesar Millan. What you can learn from him is how to train yourself, to recognize if your dog is reacting to something that can trigger a fight, and what to do about it.
I posted before so people can learn there is a way to handle it safely, both for human and dog.
Finally best wishes on a speedy recovery for both your hand, and mind. It affects both, I know.
@Big Mike, I hope you are feeling better and that you do get to keep your dogs, all of them.
I wanted to take advantage of your current situation to stress something to the traders in the forum if you are ok with it. Basically, the need for insuring that ones trading plan accounts for challenges like the one you are facing.
I dont know the reasons for the lack of insurance, but I think as business owners(traders) we need to ensure that we account for all possible challenges that would prevent us from trading. I carry not only medical, but also disability to insure a percentage of my income, both short term and long term policies, and life insurance (both whole and variable policies) for my kids protection which is owned by a trust to their benefit, etc.
If I may make a suggestion, please look at a High Deductible Insurance Plan with an attached HSA account. Both things are a business write off and they will provide you with peace of mind. It should be part of any traders plan, to account for health and life issues.
You can even trade the HSA account if so desired. I have mine with HSABank and I trade it with TDAmeritrade. Your accountant should be able to give you more details as to the overall benefits. I estimate for your area based on what I just researched that for someone in their mid 30's, non smoker, it will be about $2-3K premium and another $3K for HSA.
Well worth it, given it will afford you peace of mind and allow you to smooth out any surprise medical expenses such as this one. I've had an HDP w/HSA for close to 4 years and I am glad I did. I used to have Aetna, but went with Cigna last year. I spend around $16K a year, but put into perspective that cost with the expenses... my last child birth around 8 months ago was around $25K-$30K, the one before that one about 3 years ago was close to $50K due to complications and he being premature by 4 weeks and being understress.. as I said, it can very easily be well worth it.
needless to say, we all know and understand how expensive medical care is, and one should always protect oneself against it.. first because you need to be healthy to trade, and second because of the financial strain it places on ones accounts...
I am attaching some plan descriptions for your benefit and I would recommend you visit the site below as well..
PS. If the incident took place on your home, review your home owners policy as there is normally a medical clause in there, speak to your agent if in doubt.
