Recent comments in /f/LifeProTips

Life123456 t1_j20x2h4 wrote

I mean, Sure I'm working this week. But I'm in a large publicly traded company with an end of year target to hit.

But many of our customers are closed, and all of my friends who have office jobs have this week off. And I am very jealous. Though it may not be PTO, but rather company closures/holidays.

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stowaway43 OP t1_j20tv36 wrote

No need to be snarky and condescending. I have traveled extensively, far more than the average person. And no, I am not what most people would consider a "worrier". I don't always buy travel insurance, it depends on the trip. I have, in fact, been reimbursed via travel insurance on a few different occasions (which is why I find it worthwhile)

Yes everyone has heard of insurance but many people, especially those who don't actually travel a lot, may not be aware of travel insurance. Hence my "pro tip". You don't have to agree with me, lol. Obviously you don't. But again there's no need to be insulting by saying I should seek the help of a professional.

PS. I never meant to say that everyone should buy it every time they travel simply that people should consider it. I guess I should have been more nuanced in my original post

Anyway, I'm done with this convo, down vote my advice and move on

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ScenicPineapple t1_j20sv57 wrote

This LPT is all dependent on the job. At my old job, no one could take any PTO during the blackout dates from mid november to early January. My current job, 80% of my office is out of vacation, it's only a few of us here and it's really slow. I don't mind this at all compared to my last job which was retail.

These slow days do feel like a holiday for me. I get paid to just keep the office open and answer the phones, i'm cool with that.

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keepthetips t1_j20rq0c wrote

Hello and welcome to r/LifeProTips!

Please help us decide if this post is a good fit for the subreddit by up or downvoting this comment.

If you think that this is great advice to improve your life, please upvote. If you think this doesn't help you in any way, please downvote. If you don't care, leave it for the others to decide.

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BornAgain20Fifteen t1_j20qyw9 wrote

Reply to comment by stowaway43 in LPT: buy travel insurance by stowaway43

> common marketing message but that doesn't make it less true

No where did I say it was not true. However, they sell insurance for everything and so in cases where it is not always necessary (there are many cases where it is actually necessary), that is the only leg they have to stand on which is why your post reads like an advertisement for financial products and quite uneducated

I guess if it keeps you up and sweating all night then it might be worth it (if this is the case you should probably seek help from a professional). Aside from your "peace of mind", they are collecting free money most of the time you buy insurance because you get no goods or services in return. It is designed that way by very smart people (search up the difficulty of actuarial exams). They make tons of money on different types of (often-unnecessary) insurance like extended warrantee

The most extreme example of this kind of thinking are from people who buy lottery tickets. $2, $5, or even $10 a week is nothing compared to the "peace of mind" you get knowing that you are not missing out on the opportunity to substantially change your life forever. Should that be a LPT?

> And honestly, it doesn't seem like it's something that "everyone" already knows about. I know plenty of people who have ended up with little to no help with common travelling snafus

Yes have heard of insurance before, but most people don't care because even if something goes wrong it is not as big of a deal. Different kinds of travel related insurance are often advertised when you buy a plane ticket, renew your car insurance, go to the bank, and on signs and kiosks at the airport. In general, companies also sell insurance for just about anything you want. Travel insurance is definitely not some sort of secret

Also, a point about probability, just because something actually went wrong, it does not mean that not purchasing insurance was the wrong choice. That is like saying that you would have picked the correct lottery numbers so you should have spent all your money on lottery tickets. No one can predict the future and just because something unlikely actually happened does not make it not unlikely

> As for being situationally dependant, that is why I did specify trips involving layovers and checked luggage

I think you either don't travel much or only started traveling recently. Most major trips involve layovers and checked luggage. It is not something weird or unusual. Tons of people have layovers and checked luggage and don't carry have travel insurance and are fine

It is true that recently it is good to avoid having any checked luggage if possible because there are more cases of them being lost. Still most of the time it is fine. Like I said, it is not a LPT because it is not for all situations. Insurance companies are not stupid. Why would they offer you insurance that they are going to lose money on? They use probability and adjust their offerings according to the times which means that the expected outcome/payout always favors the insurance company

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