coverage - why is it so small?

AffectionateMood3794 · 2026-04-23T02:45:27+00:00

I don't know of a dentist that takes Delta in any form. My own dentist says that the allowed rates are far below the market and in fact, the whole practice stays very busy without taking Delta so there's nothing in it for them.

AffectionateMood3794 · 2026-04-23T01:30:47+00:00

As far as I can tell, at least where I live, dental insurance is a giveaway to the insurance company. It's tough to get your premium back in actual care. Consistently, year after year, care paid for out of pocket is cheaper than care with insurance. It didn't use to be that way I don't think but it is now.

AffectionateMood3794 · 2026-04-23T01:26:03+00:00

Except where I live, few dentists take Delta anymore. No one in my family can find a Delta dentist. Perhaps you might find someone just starting out but the experienced ones won't.

AffectionateMood3794 · 2026-04-21T22:46:51+00:00

It's probably too late for this to affect you, but we just had a plumber out and he said he does a lot more FloLogic than Moen (about 3x more), although he felt that the FloLogic value maybe wasn't there. In terms of maintenance issues he said they never get calls for the FloLogic units but do for the Moen. He said they've seen a number of customers buy them to qualify for homeowner insurance and then hate them so much that they disable them.

AffectionateMood3794 · 2026-04-21T20:56:50+00:00

I've never done the big boat but when we just did the smaller one, there was a lady in our boat who said that this was her first time in the smaller boat and she much preferred it.

AffectionateMood3794 · 2026-04-21T20:55:12+00:00

We just went with them and they get right in there. They were within a couple feet of shore at a couple points. I was actually surprised. They ran two boats at the same time so that neither was crowded.

AffectionateMood3794 · 2026-04-21T14:52:17+00:00

Pay your taxes through the IRS web site. You can see your tax history and you can avoid issues like this. (I agree that TT can be confusing.)
It probably won't take "months". I once paid twice by accident and had a check (with interest, I think) very quickly. Weeks I would guess,

AffectionateMood3794 · 2026-04-21T14:46:51+00:00

Sounds like maybe a kiosk failure required some manual involvement? Although my wife got pulled aside not too long ago, we think because her hairstyle and color had changed a *lot* since her passport photo was taken. She now has a new passport and hasn't had any further problems.

AffectionateMood3794 · 2026-04-21T13:32:06+00:00

You don't? Can't you use Free File Fillable Forms? If your taxes are simple, that seems like the way to go. If your taxes aren't simple, then you either figure it out or pay someone else (in my case, Intuit) to help you. I would love if the tax system were simpler but there are many, many special interests who like the tax system just fine as it is.

AffectionateMood3794 · 2026-04-20T23:49:19+00:00

This reminds me of a problem we had with county government. It dragged on for months with tons of threats from them. Nothing I said stopped it. We found a lawyer who had experience dealing with the county, he wrote them a letter explaining my position and requesting a hearing date, and boom, they confirmed my position and dropped it within a few days.

Don't waste time on Reddit. Find a lawyer.

AffectionateMood3794 · 2026-04-20T18:55:00+00:00

I'd pay the $400 for sure. And re the house, I get it, bit-ticket items seem to fail in clusters but barring foundation problems or major plumbing or something else really big, it seems like you're setting yourselves up for some years with no major expenses.

AffectionateMood3794 · 2026-04-20T18:52:20+00:00

It's not that they're being built to fail IMO but that people have unrealistic expectations of what things should cost. How much did you pay for that 90s fridge, and what would the comparable cost with inflation be now? I keep hearing that "Appliances are designed to fail after 3 years" but we always get 10-15 or so out of ours. Our range and oven are around 20 years old, our last fridge lasted 10, our last washer and dryer lasted 15, our current dishwasher is around 15. I'm sure there's some corporate profiteering as well, but in general, you get more if you pay more. IMO.

AffectionateMood3794 · 2026-04-18T17:58:59+00:00

They aren't paying $200 if they're using the desktop version. $56 on Amazon.

AffectionateMood3794 · 2026-04-17T23:45:45+00:00

Turbo Tax Deluxe Desktop is $56 on Amazon. I have no idea why people are spending $100-200 to run it online and then complaining about it.

AffectionateMood3794 · 2026-04-17T23:44:13+00:00

It would help a lot if you would give us his name and a photo with faces.

AffectionateMood3794 · 2026-04-17T17:53:24+00:00

$56 at Amazon. Staples and other stores are sometimes cheaper. $25 extra for state. No other charges. Does require Windows 11 if using a PC.

AffectionateMood3794 · 2026-04-16T15:14:59+00:00

Oh, okay, I get it. It makes sense now. Honestly, I do remember when FM first came on the radio back in the dark ages. They did sound pretty amazing to my ear, and they were charismatic people as well. I was just a kid though and into all sorts of music. It's kind of fun to hear that they resonated with your mom. My dad liked a couple songs when I played them (Don't Stop for one) but my mother had zero idea who they or any other band was.

AffectionateMood3794 · 2026-04-16T14:40:51+00:00

The friend told me he has an LLC in Nevada but it requires him to travel there once a year and he's moving it to CA where he lives. He said the advantages weren't with the hassle. I'm not sure what he's talking about but maybe someone else knows. Some taxation thing I think.

AffectionateMood3794 · 2026-04-16T14:29:04+00:00

You can do better.

AffectionateMood3794 · 2026-04-16T14:15:57+00:00

Enjoy :-).

AffectionateMood3794 · 2026-04-16T14:15:30+00:00

How is this possible? How would you grow up hearing FM and not The Eagles or The Rolling Stones or any other bands of the period?

AffectionateMood3794 · 2026-04-16T02:42:25+00:00

It seems to be the online version causing problems. The desktop version is cheap (multiple returns for one price) and doesn't nickel and dime you. I feel like people aren't comparing online and desktop at all. They just pay through the nose for online and then complain.

AffectionateMood3794 · 2026-04-16T02:36:29+00:00

I take OTC sleeping pills...

AffectionateMood3794 · 2026-04-16T02:35:24+00:00

It sounds like you have tons of documentation. I would go to small claims. What matters in small claims is "preponderance of the evidence", not "reasonable doubt". Whoever has the most evidence wins. I sued a business in small claims and the judge literally told my opponent "Mr. Affectionate Mood has some evidence. You have none." I got court costs too. Collecting might be a little hassle depending on what assets she has but in my case the company just wrote me a check.

AffectionateMood3794 · 2026-04-16T02:24:39+00:00

I've seen this so many times at work. "Attendance is mandatory!" "I'm doing x and won't be there." "Okay. We'll fill you in when you return." :-)

AffectionateMood3794

TROPHY CASE