true story today..

I ran into a guy used to work for me, good carpenter, he quit me about 4 years ago, and went for a insurance agency as their maintenance person, because he can buy in their group insurance, which that I can't offer to match.

its been about 3 years since I last seen him, and I know last year he had a baby boy.

so today I congratulate him on the baby, but sad to learn the baby has been on kidney dialysis since 5 weeks old.

so I said, "well, at least you have insurance to cover that now.." then he said, "the medical last year alone was 1.4 million for the baby, and the insurance cap at 1 million coverage....................................,"..

he is ready to file bankruptcy. he owns about 11 houses to rent..