Well, that's only partially correct. Drunk driving and speeding tickets will have no effect on your insurance because both of those issues apply to the policyholder and any additional named parties, not to the vehicle. Since your buddy isn't on your insurance, he gets the premium penalty for the DUI, not you.

In the event of an accident, the driver's policy covers bodily injury while the owner's policy covers physical damage. Typically, your insurance company would also seek partial compensation from your friend's carrier as well, and you both will be affected.

Also, where the hell do you live that parking tickets affect your insurance? Even if you don't pay them, the only consequence is that you can't renew your registration until you pay them off. Or if you live in a city that uses parking enforcement to generate cash, your car gets towed and you have to go pay it off immediately.

Such a simple concept that you managed to get it wrong, apparently.

From my state's laws:
        s. 316.151 – Required Position and Method of Turning at Intersections
        (b) Left turn . A person riding a bicycle and intending to turn left in accordance with this section is entitled to the full use of the lane from which the turn may be legally made.

If you are making a left turn at an intersection on a bicycle, you get in the turn lane just like a car. Laws could of course vary by state, but in every state I've biked in, this was the case.

The fact that it is the #1 non-disease killer (even in the US) is pretty much meaningless in the overall picture when you consider that over 90% of deaths are caused by diseases. Traffic fatalities represent about 2% of the total deaths per annum. Now factor in that only about 30% of traffic fatalities have excess speed as a contributing factor (according to the NHTSA). And only about 35% of fatalities occur above 55 mph (again, NHTSA), so most people aren't even in the "lucky to survive" range when they are killed.

So...2% overall death rate, times 30% if speed traps could magically eliminate every instance of excessive speeding causing a crash, AND each of those crashes ONLY had excessive speed as a cause, and we get a *best case* 0.6% reduction in overall deaths if we went balls-out on speed traps. Complete and utter waste of time.

Your numbers, while theoretically valid, are ultimately pointless in practice. Putting that extra effort into reducing distracted driving or alcohol-impaired driving would both yield a better return. Or, even better, put it into reducing the staggering number of deaths caused by preventable diseases if you really want to cut down the death rate.

Thank you. I was wondering how long it would be until someone made that joke. Less time that I had guessed.

Yeah, I'm eagerly awaiting the day when attackers are able to exploit my smart fridge to remotely unlock the smart lock on my smart door. And the inevitable automatic firmware update that bricks my smart air conditioner.

Why does everything need to be a web appliance? My crockpot should convert electricity into heat and produce delicious stews and roasts. It doesn't need to use my search history to suggest new recipes, I have a PC that can do that.

On the bright side, I'm looking forward to the instructions on how to run Debian on my blender.

I really miss my old commute. When I started, the office was a five minute bike ride away. I could ride home, have a nice lunch, and ride back. Six months later, they moved 15 miles north. That 15 miles represents over an hour of rush hour driving. Ended up moving to a spot that wouldn't require me to deal with the worst rush hour roads, but I'm still a good 20-minute drive away.

The worst I've seen are devs at a client in DC. Between driving in from the surrounding area to a parking garage at the tail end of the Yellow line and then taking the metro into town, they spent an absurd amount of time in transit to their jobs (not to mention the $200/month or so they had to pay for parking).

Oh, there have been more than three times where I could have gone over, but since my boss has to pay me for that extra time, he doesn't want me going over 40 (outside of emergencies, like when a RAID-5 VM host lost two drives in under an hour on a Saturday morning and had to be rebuilt). If I end up staying late two hours because a meeting runs long, I leave two hours early on Friday. If I spend Saturday doing out-of-hours maintenance on a mail server, I take a day off the next week to balance out the hours.

Funny thing happens when you negotiate for overtime pay: they stop asking you work late :)

It really depends on where you live and what your circumstances are. Do you have a car loan and student loans? That'll make it really tough, as those alone can easily be $5K/year or more. Do you not have a mortgage? That makes it easier. My parents live on about 25K a year, but this was after moving and buying a smaller house in cash from what they made off their old one. No mortgage means your household expenses could be dirt cheap depending on location ($200/month for property taxes and insurance for them). No mortage, no car loans and no credit card debt makes $1800/month much more survivable.

Plain numbers are tricky. The possibility of surviving on a certain income really comes down to what specific expenses you have to contend with. I could do 35K/year (gross) pretty comfortably with my current costs, but not 25K.

Most people who can't survive on the 35K number the OP tossed out are unable to do so because of existing debt that is dragging them down. If they had been able to avoid getting sucked into that position from the outset, 35K would be a much easier number to handle. Debt is a dangerous creature that we've become far too complacent about.

If you can take a pay cut, you can find better alternatives. Even though I'm exempt like most of IT, I never work over 40 hours outside of emergencies (only three times in five years with this company). On those rare times, I was paid for them. This was something I negotiated from the beginning: no overtime unless I'm paid.

My pay is about 15% below market average, but this was the tradeoff I was willing to make in order to have a less stressful work life (and my lifestyle is such that I could afford the cut). If you've got a huge mortgage, three kids, five cars and a mountain of student debt and credit card debt, yeah, you're pretty well fucked.

My parents quit their jobs when they moved about 10 years ago and became self-employed. They make half of what they did before, but only work about 30 hours a week. They've both said they will never go back to working for somebody else. The freedom was worth the reduced pay to them as well.