Insurance Stuff

[DOUGHBOYS]

My reason for doing research for this was simple, to poke fun at even thinking about guessing who will spend 60 days on the disabled list this year.



After finishing, there are a lot of facts that I thought I would pass on...



Six players have a five year "streak" of being on the disabled list:

Rocco Baldelli

Bobby Crosby

Nomar Garciaparra

Kelvin Escobar

Rich Harden

Kaz Matsui



The first five names were no surprise. Matsui flies a little under the radar here, because his injuries are more short term. Matsui has never been on the disabled list for more than 60 days.

Baldelli has been on the dl for almost 600 days during the last five seasons.



It won't matter for these guys, Harden is the only one that is really fantasy relevant and it is doubtful that he will be on a top 100 list.



These players have a four year streak of being dl'ed:

Ryan Doumit

David Eckstein

Ian Kinsler

Gary Sheffield

Rickey Weeks

Chris Carpenter

Justin Duchscherer

Pedro Martinez



Kinsler stands out here. Usually a guy that has a streak of four straight years on the dl would not be considered a second round selection by NFBC'ers, but Kinsler's injuries are considered freak or due to hard play. Kinsler, however, has never been dl'ed for 60 days.



Carpenter would be the only other player capable of making the top 100 list from this short list, but I doubt that the insurance company would include him.



The top 100 should include most players taken in our first seven rounds. Here are a few more facts to illustrate the folly of altering a draft to pick a borderline player in order to get $250...



Sizemore owners from last year would NOT have gotten money back...He spent 56 days on the disabled list



Josh Hamilton has been on the dl, 51 days in 2007 and 52 days in 2009.



The Guillen's, Jose, 80 and 72 days, and Carlos, 68 and 80 days both would have qualified during the last two years. Neither will be in the top 100.



Torii Hunter known for playing hard and getting injuries for it, would have only qualified once during the last five years.



Another wall crasher, Aaron Rowand, has never been on the disabled list for 60 days during the last five years.



Carlos Quentin has spent 45 and 55 days on the dl during the last two years.



Alfonso Soriano? 22, 56, and 31 days on the disabled list during the last three years. No dice.



Leading up to last year, Carl Pavano had spent almost 600 days on the dl over the last four years, last year, not a day.



Joel Zumaya is a player who has a three year streak of having at least 60 days on the disabled list, 107, 130, and 96 days the last three years.



All this being said, I would list the player that I felt would most hurt my team by being lost and not try to protect a player that I thought was more "likely" to get hurt.



With the top 100 players being protectable, this plan virtually eliminates most pitchers, who normally have the longer term injury.

[KJ Duke]

Is mental health covered under the insurance plan? I could've cashed in big time last season with one of my favorite "value" players.

[bluenose]

Duscherer? (depression, my 1st guess)

Greene? (Anxiety)

Willis? (ditto)

Bradley? (screw loose)

[Greg Ambrosius]

Originally posted by KJ Duke:

Is mental health covered under the insurance plan? I could've cashed in big time last season with one of my favorite "value" players. Definitely Milton Bradley!!

[DOUGHBOYS]

Unfortunately for the Cubs, Bradley never hit the DL last year.



Khalil Greene was also dl'ed less than 60 days while dealing with his own mental health issues.



[ January 24, 2010, 06:52 PM: Message edited by: DOUGHBOYS ]

[sportsbettingman]

Exactly my point. :rolleyes:



Free is fine. Pimping a crook is quite another thing entirely.

[TOXIC ASSETS]

Excellent analysis!



The numbers do not lie. This insurance is yet another item designed to separate people from their money. Maybe not this year when it's free, but in later years when they have people used to it and they start charging.



Anyone who would buy the insurance (at least the way THIS insurance is set up)should have their head examined. Maybe if the payouts were increased, or if they covered 25 days instead of 60, we would have something to consider.

[DOUGHBOYS]

I received a call yesterday from Sears.

They offered an extention to a warranty for a treadmill that was bought five years earlier.



I told the lady that she sounded nice enough, but why would I want to extend a warranty for what has become a very expensive clothesline?



//////////////////////////////////////////////////



The insurance is not a scam or a "crook".

It is an option.

An option that no player will be forced to buy.

An option, like warranty's and insurance in real life, will be turned down quickly.

But, for free, what the heck, I'll insure a ballplayer or extend a makeshift clothesline's warranty.



[ January 25, 2010, 06:04 AM: Message edited by: DOUGHBOYS ]

[GOD Loves You]

Originally posted by TOXIC ASSETS:

This insurance is yet another item designed to separate people from their money. Maybe not this year when it's free, but in later years when they have people used to it and they start charging.



I coule be wrong, but I think it's so they do not have to pay the banks the fee for credit cards being used. Makes sense to me and is a very ingenious idea.



Regarding this......don't you hate when you mistakingly get gas at a station advertising their cash price, only to find out the CC price is 5-8 cents more a gallon?

[The RoundTrippers]

do me a favor people(from a small restaurant owner).....pay cash as much as possible. i lose 1.5 days a week to cc fees. yes, that is right. between the 35.00 debit machine...insurance on the machine...cc fees etc. also, keep in mind who pays for the rewards on the reward cards....big suprise here...the merchant. my rates go up based on the type of reward card you present me. and you wonder why small business is a train wreck. if nothing else tip your waitstaff in cash. i could go on and on but will spare you all..

[swampass]

Originally posted by The RoundTrippers:

do me a favor people(from a small restaurant owner).....pay cash as much as possible. i lose 1.5 days a week to cc fees. yes, that is right. between the 35.00 debit machine...insurance on the machine...cc fees etc. also, keep in mind who pays for the rewards on the reward cards....big suprise here...the merchant. my rates go up based on the type of reward card you present me. and you wonder why small business is a train wreck. if nothing else tip your waitstaff in cash. i could go on and on but will spare you all.. wow thats sickening and really really sad. good thing the credit cards did us a favor and waived the fees for donations to haiti. what a joke.

[The RoundTrippers]

dont get me started...concur to the nth degree!!!

[Gekko]

Originally posted by The RoundTrippers:

do me a favor people(from a small restaurant owner).....pay cash as much as possible. i lose 1.5 days a week to cc fees. yes, that is right. between the 35.00 debit machine...insurance on the machine...cc fees etc. also, keep in mind who pays for the rewards on the reward cards....big suprise here...the merchant. my rates go up based on the type of reward card you present me. and you wonder why small business is a train wreck. if nothing else tip your waitstaff in cash. i could go on and on but will spare you all.. rick - the government will soon be taxing businesses MORE to make up for their greedy BS. they are going to kill small businesses (and large).

[The RoundTrippers]

i see the writing on the wall. they want 1 big bank..1 big religion...1 big store 1 big cell phone carrier 1 big pizzeria etc etc. all so they can manage us easier...back to baseball

[team z]

Originally posted by The RoundTrippers:

i see the writing on the wall. they want 1 big bank..1 big religion...1 big store 1 big cell phone carrier 1 big pizzeria etc etc. all so they can manage us easier...back to baseball Not to mention about 6 billion less of us!

http://en.wikipedia.org/wiki/File:Georg ... h_Full.jpg

[TOXIC ASSETS]

GLY -

I understand exactly why the NFBC is using this, as a way to avoid CC fees...makes a lot of sense from their point.



I'm directing my negative attitude at the company running the insurance, not the NFBC.

[DOUGHBOYS]

I brought this thread back to see if this insurance plan affected any drafting styles even a little. Anybody?



Not one iota of thought for me. When first unveiled, some thought it would be a game changer.



I did not look at the list beyond my own players...Was Ian Kinsler on the list?

If so, he could certainly be the front runner for cash dividends. Like what was said in the original post, even though this is his fifth stright year for the disabled list, Kinsler has never been on the disabled list more than 60 days in any given year.

As a Kinsler owner, do you now hope for the 60 days?



[ April 23, 2010, 10:13 AM: Message edited by: DOUGHBOYS ]

[whipsaw]

Originally posted by The RoundTrippers:

also, keep in mind who pays for the rewards on the reward cards....big suprise here...the people who pay cash. fyp



cash is for suckers