Is rental insurance worth it?

I recently took a road trip with some friends and was in charge of taking care of the rental. I found a car that came at a great price and ordered online. I went without the insurance on the order. I went with one of my friends to go pick it up. While at the counter and processing the order, the employee did the whole last minute attempt to get me to buy insurance. She even offered me a discount rate to try to make the sale. I was on the fence until my friend told me a story where they were hit in a rental before. So, reluctantly I paid more for it.

The thing is, I think it's just such a fricken scam. The price of the insurance was half the price of the entire rental. The likelihood of something happening while driving, to me, isn't worth the price, especially since the existence of the insurance is contingent on whether you pay for it or not. It's not like the company doesn't have it already.

And, no, nothing happened on the trip. We came home perfectly fine, car intact, the end. So, essentially, I was out extra cash for no reason. What do you think? Do you buy insurance when you rent?

Should I move out?

Being someone entering their late 20's, this should be an easy answer for most but, in this day and age, I'm just not sure if it's worth it. To clarify, I live in the Bay Area. On top of that, I don't have a very lucrative profession; certainly not anything close to the living means set by the national census, which, by the way, is an average annual income of over $100,000 for where I live.

My concern is that of pride and freedom. I would like to live my own life while also doing so alongside my peers. I want to be able to stay up or out as late as I want without disturbing anyone else. I want to be able to meet new people and say "Hey, welcome to my house.." or something like that. I want the space to do what I want, when I want basically.

But, oh god the money... If I could even conceive living on my own, I would absolutely have to scrape by, whatever that entails. It won't be pretty. I could potentially find roommates but that's a compromise; I would just end up living with others and having to watch my behavior all over again. I don't know, I'm just kind of stuck. Slave away to live, or live comfortably with my parents...or, I guess, pay a little bit and live with some friends/ strangers.

I'm just so deathly afraid of hitting that stereotype "30 years old living in my mom's basement" deal but, I know if I move out, my life is going to be hindered greatly in all other respects other than residence. So, what do I do? Has the paradigm shifted? Are there a lot of late 20 somethings out there still at home?

Naked In The Bath With Someone Else's Child?

My ex-husband and I have two sons, aged 6 and 9. His new girlfriend, who is only 23 (18 years younger), seems to be doing a great job of caring for the children. For that I am grateful. My kids are pretty communicative with me and so when they return from their weekend's "at dad's" they give me the lowdown of what went on. I sincerely am happy they all seem to get along, but apparently last weekend, all the kids got in the bath together WITH their dad's girlfriend. Everyone was naked. Now, I'm not prude, but I couldn't help but feel sick to my stomach. I didn't want to alarm them so I didn't freak out, just said "oh how nice" but inside I was dying. When I recovered from my shock, I said to my boys that I'd be asking their dad to ask his girlfriend to maybe wear a bathing suit next time just so everybody is aware of privacy, but how lucky they were they got to have such bath times at their dad's. My boys agreed. I just feel like 6 and 9 are important ages for boys, and seeing me naked is one thing since I'm their mother... Or am I wrong?

My husband's pranks are getting out of control!

This past Sunday was April Fool's Day/Easter. Usually every year my husband and I will go to a family lunch or a get together of sorts to celebrate. It's never usually a problem but, this year, since it landed on April Fool's Day, it became one. My husband likes to celebrate April Fool's every year as much as Easter. He pulls pranks at my expense and I brush them off as good old fashion fun but it's starting to get on my last nerves!

This year especially on the day we were supposed to visit family, he outdoes himself. He mixed in some clear glue into my styling gel, and when I put it in my hair, it clumped up! I ended up having to cut some off!!! I was more than livid considering not only did I have to cut my hair but, that I had to go see my family a few hours after. I think it's getting to a point where he's taking it too far. It's not charming or cute anymore but borderline abusive. I'm afraid if I talk to him that he won't take it seriously or he'll be offended or something like that. What do I do?

Who will win the NCAA Tournament?

Everyone likes to root for the underdog - Can Loyolla pull off a huge upset and win the whole tournament? Who do you think will win?

Would you live in Alaska (for money)?

I've heard that the entire state of Alaska pays its permanent residents every year as incentive to keep on living there. Every citizen gets over $2,000 no strings attached other than the stipulation that they live in the state. An extra two grand a year would be great to have but, I mean, it's Alaska. Sure I know how beautiful it can be but, that's really all it has going for it.

It's either dark for too long or the sun doesn't set, the average annual temperature is a measly 43 degrees, and there is much more uninhabited land than there is civilization. In fact, for being the largest state in the U.S. it's entire population is less than that of the city of San Francisco. All wilderness aside, common luxuries are taxed heavily because they have to travel a lot further. Not to mention most products you order online don't ship to Alaska, at least for the standard price. Hell, even most nationwide contests or lotteries are exempt in Alaska. So, is a meager two thousand dollars really worth it?

Cats or Dogs?

The Trash Man's Side

The biggest question that has daunted mankind since mankind started taming animal-kind. I am a cat person through and through. Here's why. Cats are independent and autonomous creatures. They don't require a ton of care because they usually take care of themselves regardless having an owner or not. They groom themselves, can hunt on their own, and if let outside, don't even need a litter box. Hell, you don't even need to walk the damn things. Aside from the minimal care, cats are just adorable and fun. You can play them all the same as you can with a dog without any of the excess attention and expelled energy. And, they can be affectionate just like any other animal. Cats

vs
x0ninalovex0's Side

Dogs are the way to go! They are a man's best friend after all. Dogs are always loyal and friendly and wont scratch you if you rub their stomach the wrong way. You can give them walks without people staring at you and you can play with them without them getting annoyed. They are energetic and will always be there for you- who's heard of a therapy cat? You don't have to buy their affection like you do with cats and their emotions are always honest. You just cannot beat a furry friendship. *bark*

Am I getting enough sleep?

Do I get enough sleep? I don't know if the 8-hour paradigm is relevant anymore. It makes me sad to think that instead of days being split into three equal parts, that sleep has to suffer the cuts. I usually find it hard to balance work, free time, socializing, etc., so I will compromise my sleeping schedule to have more time to fit the rest of my life in.

I think on average, I'm getting about six hours of rest each night. Has this become the norm though? It feels that way to me. We're all running around trying to find time in the day but, we're doing it with baggy eyes and slumping shoulders. Or maybe, you're not so tired throughout the day because you're used to having less sleep (which is a troublesome thought to me). Maybe it's specific to certain people's lives. I'm not sure so I'm asking: How does everyone else sleep? Do you think the norm has shifted?

Which Oscar movie should I see next?

I already say Three Billboards, and thought the acting was great, so I wasn't surprised to see that it won a couple of Oscars. I haven't seen any of the other movies that have been getting buzz lately - which one should I see next? I've heard mostly good but mixed reviews about these three. Leave a comment (without spoilers please) if you have a strong opinion!

Were Biggie and Tupac Overrated?

I just watched the first episode of "Unsolved: The Murders of Tupac and the Notorious B.I.G." and it got me to thinking. I've been on this earth for a while now and you'd have to be living under a very large rock to not have heard the names Biggie Smalls or Tupac Shakur. More so, you would have to live under an even bigger rock if you haven't heard of the murder conspiracy involving both these rappers. I'm a pretty open-minded person, especially when it comes to music; it happens to be a critical pillar of my life. I've listened to both Notorious B.I.G. and Tupac among other rap artists of the same era; I actually really enjoy rap specific to that time period over others. However, I don't find their music all that great; definitely not as relevant as the events that surrounded their names.

I believe the murders of Biggie and Tupac gave the world a false perception of their work because, simply put, dying will make you famous (especially when you die tragically young). More than that, I think it prompts people to exaggerate or embellish certain aspects of a person's life to create a swelled sense of purpose or accomplishment if only out of respect. I think that's the case here. If Biggie and Tupac hadn't been killed, I believe their music wouldn't be appreciated nearly as much. I honestly don't see anything exceptional about it, in a general sense but, especially apart from other acts of the time. In fact, it's more often than not I find myself hearing about or discussing the conspiracy itself over the rappers' actual work.

So, there it is. Would you agree? Are they overrated or deserving of the hype?

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