The Cost of Device Insurance

So Sprint just texted me that I’m running out of time to sign up for their “total equipment protection” insurance plan for my new LG G2 smartphone. I did some math to see just how cost-effective it would be.

The plan costs $11/month, and the deductible if your phone needs replaced is $150-200, depending on the phone. I’m using $150 for this. So, if I need to replace my phone once in the two years I’ll own it, I will have to pay $414 out of pocket for the replacement ($11 times 24 months, plus the $150 deductible). My phone, right now, only costs about $500, for a savings of $86 off the price of buying a replacement myself — by this time next year, I doubt the protection plan would save me a dime on a replacement. And if I don’t need to use the replacement plan, I will have paid $264 for nothing.

The plan does allow up to three replacements per twelve months, which over two years comes to $1,164 paid for $3,000 worth (at today’s price) of new phones, but who loses or breaks three phones in a year? I have never needed to replace a phone before my contract was up. If I had carried this sort of insurance for the whole time I have ever owned my own phone, I would have paid over a thousand dollars by now, and never have seen a dime of use from it.

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The Due Date Drinking Game: Day 3

20140121-225457.jpgBaby? We don’t need no stinkin’ baby.

Da Rules:
Starting on your due date, for each late evening in which you still have no baby (or at least no labor), drink.

The Duck-Rabbit Milk Stout. Milk stouts are made by adding lactose to the usual sugars used in beer brewing. Yeast doesn’t metabolize lactose into alcohol, so some extra sweetness remains when the beer is finished.

Day 1
Day 2

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The Due Date Drinking Game: Day 2

20140120-220037.jpgStill no baby. You recall the rules:

Rules:
Starting on your due date, for each late evening in which you still have no baby (or at least no labor), drink.

Today I had a Yuengling Bock. Good beer; my first bock.

Day 1

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The Due Date Drinking Game

20140119-230335.jpgIt’s nearing bed time, and I’ve invented this: The Due Date Drinking Game.

Rules:
Starting on your due date, for each late evening in which you still have no baby (or at least no labor), drink.

I have a whole mix-n-match six-pack ready to play. I’m starting off today with a Troegs Java Head Stout. Day five will be fun — I have a Bass Ale and a Woodchuck Hard Cider to make a couple of Snakebites. Baby better come before then.

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Due Date

Here we are. 19 January 2014. The day I have been expecting for nine months to have a baby, and to no longer have a pregnant wife. And yet, neither of these is true.

Am I the only person in the world who understands punctuality? Honestly.

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