How good is your health insurance? How long can you afford to be out of work?

Me? I have no health insurance (Waiting for Obamacare to kick in at the first of the year. Signing up in NYS isn't that bad, BTW.) and I can't afford to be out of work while broken bones heal. So I put 'em on as soon as I think I'll need them.

Carbide studs wear forever. Mine are beginning their eighth season and still going strong. Even if I had to get new ones every year, they're much cheaper than broken bones.

As I write this, here on the shore of Lake Ontario, we're getting our first real cold and snow of the season. Snow and below freezing temps are forecast for the week. The studs will go on tomorrow to be ready for Monday morning.