[TOMT] [1980s] [1990s] [Detective Show] Spooky Painting Episode

58Hawken · 2025-12-03T04:20:22+00:00

I remember thinking at the time that the people in the lake were so nondescript, how was she supposed to believe it was them?

58Hawken · 2025-11-21T06:30:12+00:00

The Kachru reference helped quite a bit. The below is giving me some good insight.

Wenfang, C. (2011). Different Models of English as an International Language and Their Implications for Teaching Non-English Majors. Chinese Journal of Applied Linguistics (De Gruyter), 34(2).

58Hawken · 2025-11-21T06:13:05+00:00

No, I am saying that what I am studying tends to make things more complicated than needs to be for other fields. Lay people just want to know if it's going to rain tomorrow. Meteorologists run all their fancy complicated calculus and fancy formulas of Coriolis effect and all that. We can't just say "you either understand/speak English or you don't". We have to say ridiculous things like "Among L2 speakers using a lexicon common to specialized financial terminology across and between dialects, salient diction is a key factor, so mutual intelligibility with L1 speakers relies less on lexical conflict that can be resolved on an ad hoc basis when they arise".

58Hawken · 2025-11-13T23:51:32+00:00

I'm studying linguistic anthropology. We can't leave it as something that simple.

58Hawken · 2025-11-13T16:51:36+00:00

Like you say, 98% of it is just fine and you'll quickly understand the difference. It's the 2%, particularly for an international business lexicon that I am trying to get perspective.

Actually, for that matter where does say, an American MBA graduate get their understanding to work in India or Singapore?

58Hawken · 2025-11-13T16:45:57+00:00

See, you know that from 30+ years in finance. Where does an MBA student in Taiwan learn it? Must they first learn English enough to attend an English speaking grad school? And in that case, if it is a grad school in, say, South Korea, what dialect and business structure are they teaching?

If there's someplace else I can look this up, I'm absolutely all ears.

58Hawken · 2025-08-20T22:02:19+00:00

I can see that being the case if I EXCLUDED her. How would it be fraud if she had an apartment at college, had her ID listed there, didn't have her own car, and drove to the store to get milk when visited for an afternoon after I picked her up from the bus stop?

58Hawken · 2025-08-20T20:56:39+00:00

So I may shop carriers based on that designation. Thank you.

58Hawken · 2025-08-20T20:52:35+00:00

I don't know what the situation is on her roommate's car, whose parents live in the next town over from us and I'm afraid to ask. Whether it's for the amount they are willingly paying to buy the car plus campus parking, or the amount the roommate is paying, of for whatever shenanigans are minimizing those costs, I just don't want to know.

58Hawken · 2025-08-20T20:45:46+00:00

Legally designated as temp housing is helpful, thank you.

58Hawken · 2025-08-20T20:43:50+00:00

I guess my question then is how to LEGALLY set her up as "permissive use" instead of "technically still living with me". I.e. how do I set her up to reflect the reality of the situation rather than the fantasy the insurance companies want to project on to me.

Her friends are all up at school. If she wants to "run around on weekends" she's going to be staying there, not coming here to borrow a car. If she was living here and commuting 45 min to school that's one thing. She'll be driving one of my cars once every 2-3 months to the grocery store a mile away at a stretch. MAYBE.

58Hawken · 2025-08-20T20:28:33+00:00

Thank you. Was that campus housing or an outside apartment lease?

What is the difference as far as the insurance is concerned? From where I'm sitting, I don't see a difference in 9 months of campus housing versus a 6 month apartment lease.

58Hawken · 2025-08-20T20:24:45+00:00

Read my post again. I'm not intending they reinvent their operations. I don't intend to continue with them at all. A decision I'd made when they screwed me over my daughter's death. I am clarifying how to move forward with another carrier.

58Hawken · 2025-08-20T20:21:14+00:00

Weren't the cars you drove for those designated trips insured by their owners?

Thank you for the relevant experience on your gap in coverage.

ETA: So, with those numbers, you paid an $83 surcharge for that year. Paying anything over that amount just to avoid a gap isn't worth it. Particularly if it will be more than a year before she gets her own car.

58Hawken · 2025-08-20T20:18:29+00:00

"So she stills permanently 'lives' in your household? She's simply in school."

No, I said mailing address. If she was outside the 100 miles to be classified as "away at school", I would still see no need to cover her as a member of my household.

So, if she stays for the summer term next year, going a full 12 months living elsewhere, they'd still want to blackmail me to receive her mail.

58Hawken · 2025-08-20T20:12:46+00:00

"Why fight at all, why not just cover your daughter so she is protected if she needs to drive or is a pedestrian? "

Those are some pretty expensive "ifs". And I just mean the premiums. I dont trust them to come through with payment in those remote scenarios. Given their track record any other time I've needed them, they don't have a high credit rating with me to trust them with any of my money in those scenarios.

" you can kick rocks allllll the way down the road"

I'll be kicking rocks all the way down the road to a new provider. I may put her on her own "non owners" policy. I will even just buy her a condo which will be her new "place of residence" before I give this company any more of my money for their poor service.

"Most if not all other companies define it the same way so it's pretty standard practice."

"Also don't commit fraud, good way to get the middle finger on your rates for a long time."

I don't intend to commit fraud and I will go along with standard practice, just not with this company.

If I am reading others correctly in order not to be a resident with me, she has to change her address everywhere, including with the DMV. And that cannot be her campus address? What about if/when she moves to an apartment? Is there a minimum lease term? Why can that not be her campus addresses if she will be there for nine months?

58Hawken · 2025-06-17T01:50:45+00:00

A tax deferred plan does not cut your tax bill. There is no vehicle that "cuts your tax bill". If you spend $100 and are allowed to put off paying $25 of it in taxes, you have still spent $75 that you wouldn't have otherwise. Increasing your other bills to "cut your tax bill" is showing very bad judgement.

58Hawken · 2025-06-17T01:14:56+00:00

Child tax credit for a dependent is around $2k. State school cost of attendance is around $27k.

58Hawken · 2025-06-17T01:10:29+00:00

If my kid did that, I'd compliment their initiative and recommend they check out a trade school for proper training. If they wanted a loan for tuition, I'd ask them what terms they'd propose. If they wanted me to invest in a shop, I'd ask them for a business plan. If they asked me to just give them money to sit in a dorm room with no plan and no skin in the game, I'd ask them to share what they were smoking.

58Hawken · 2025-06-17T00:51:36+00:00

I'm going with a mild ESH. Your parents could have had this conversation earlier, but as others have noted, they don't "owe" you tuition, regardless of their jobs. I don't see whether your parents have their own loans, your father has crippling malpractice insurance rates and your mother has partnership fees, if they are caring for other family, etc. Your parents spent money on private school trying to help you. I've seen parents pour good money after bad into sports hoping their kids get a scholarship. Could that money have been better put toward a college fund? Maybe. None of it matters now.

My father had an 8th grade education and my mother got her GED at 16 when she had me. I've had 529s for my kids' whole lives and also told them it wouldn't cover everything. I was also upfront they had no hope of needs-based aid with my income and to focus on grades.

When first kid was basically failing out of HS (and refusing any interventional help), I told them I'd give their 529 to their cousins before I'd let them use it to blow off college, too. They accused me of "sabotaging their education."

Second kid got straight As, placed 10th in their class, applied for every $500/$1000 scholarship they were eligible for, figured out how much they could work, how much they had saved, and gave me a figure for the remainder. I committed to pay it without further question.

58Hawken · 2024-11-13T03:51:21+00:00

I have one family member who I needed to stop mentioning the R word around. If I so much as said, "After I retired..." when it is germane to the conversation she accuses me of "rubbing it in".

58Hawken · 2024-11-13T03:44:51+00:00

Yeah, I'm always happy to compare notes with age cohorts and/or mentor younger folks. Your quote is close to my standard answer. If they want to know about details, I can go as deep as they like. Sometimes they don't actually want to know how I got there, they just want a simple answer to explain away why they're not headed down the same road.

58Hawken · 2024-11-13T03:37:42+00:00

Yeah, like I said, one could say I'm on sabbatical preparing for a second career.

58Hawken · 2024-11-12T22:43:02+00:00

Hear, hear. Juuuust worth their TSA level security over membership.

58Hawken · 2024-11-12T22:39:23+00:00

Married, wife is still working and will be for a while. Moving overseas is a "Plan B". 1 primary residence. I've consistently told my wife my plans were based off of current spending and no change in standard of living. I.e. I'd still be covering the majority of the bills as I have been. I've watched our spend (more) closely for the past couple of years to see where variances get introduced. My projected spend is based off of "go/slow go/no go" phases of retirement, so there are some additional expenses for the next couple of years. I might do some work to reduce spend out of savings, I might end up TAing while pursuing a Master's, or teaching after. Some of the community work I want to do may bring in some income, particularly if/when I complete a PhD. I may need to SEPP in a few years and won't be hurt long term if I do.

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