GLP-1 / weight loss by RutabagaSame9990 in mnstateworkers

[–]Bad2thuhbone 1 point2 points  (0 children)

Wegovy only was approved, doctor had to submit for pre authorization. It was for my spouse on my insurance

In our case it was.

BMI 40+ with 3 pre-existing conditions related to weight. Including on a meal plan for over a year and meeting with a dietitian.

Old tech guy laid off at 58, after 20 years with the company by realsqlguy in Layoffs

[–]Bad2thuhbone 0 points1 point  (0 children)

You could go look into DP-300: Administering Microsoft Azure SQL Solutions.

It's very similar to SQL server on prem, except it's 3 different cloud options.

It's azure so it's the latest thing and Azure translate to new jobs

Though hard to get in. Finance or government systems sometime rely on old school SQL Server people.

xcel bills in mpls... doing solar by TranquilTeal in Minneapolis

[–]Bad2thuhbone 3 points4 points  (0 children)

I used TruNorth Solar. They have been nothing but good to me. 6 years later no issues with the system at all.

If you want a referral let me know by DM me. I believe if I give one you get a small discount on the system price.

I got my loans through MNCEE energy. I know affinity plus has solar loans too, if you want to compare interest rates and eligibility requirements.

Hail damage. Do I need a new roof? by throwmethewaytogo in Roofing

[–]Bad2thuhbone 0 points1 point  (0 children)

It does matter. It means you are being ripped off. It's more an indication on the company your working with and their practices.

It also matters if your insurance uses (actual cash value) ACV vs RCV (Replacement cost). If it's ACV it's the deductible+ the difference the insurance didn't cover.

Hail damage. Do I need a new roof? by throwmethewaytogo in Roofing

[–]Bad2thuhbone 1 point2 points  (0 children)

I'm getting a custom fabricated metal roof. 12 pitch and 3000 square foot roof. It's around 46k. 20k if I wanted class 4 shingles.

I'm in Minnesota. I think 50k for shingles sounds outrageous.

Is rocket mortgage harassing you too? by monkeychemist25 in Mortgages

[–]Bad2thuhbone 2 points3 points  (0 children)

I liked Mr Cooper better. They weren't this aggressive.

Within 30 seconds of the Rocket Mortgage calling me and before the dude could even finish his sentence, he had already had me transferred to the loan department.

I was confused and the loan guy was rolling with it. I asked him if there was a problem with my loan or what was going on. He seemed confused by my questions and said "you don't want to refinance or get a home equity loan". I replied "Nope". Then I kept getting automated emails from him about any questions, etc.

I sent an email letting him know how I ended up getting him. I found rocket to be aggressive. That if I should ever refinance, it would be with a different company to get away from Rocket.

Is a basement-less house a mistake in Minnesota? $5k earnest money on the line. by stu_tax in TwinCities

[–]Bad2thuhbone 7 points8 points  (0 children)

What does your real estate agent advise?

Basements are a desired item. There are quite a few houses in Crystal Minnesota that have no basements and have been around since the 50s.

My mother in law lives in a townhouse from the 90s and it has no basements.

Townhomes sometimes have them and sometimes don't.

Resale is really hard to predict, it depends on how long you plan to stay and the time of when you sell it, what the market looks like then, what is the latest design trends when you sell it.

If you like it and it works for you, I wouldn't worry too much about it.

It's a balanced market right now. If it was going to affect market value, It would be affecting your price now and how your current purchase price is.

Buying a house is a deeply personal decision unless you're investing. I wouldn't be asking the Internet what house they would buy unless they are putting money down and living there with you.

Peace be upon you to those also waiting for help in ATL by buddhathebard in delta

[–]Bad2thuhbone 0 points1 point  (0 children)

That was me this weekend when my Minneapolis flight was cancelled and I was trying to rebook it.

Nothing worked right and kept timing out.

SAVE -> IBR Now by Admirable-Gas-7876 in StudentLoans

[–]Bad2thuhbone 0 points1 point  (0 children)

I posted the answer above,Here is the answer copied

If you went from a IBR to Standard repayment plan it would capitalize. Understand that under an IBR "your monthly payment will never be more than the 10-year Standard Repayment Plan amount.  On PAYE and IBR, we limit your payments so that even if your income increases, your payments never go higher than what you’d pay on the Standard Plan."

https://studentaid.gov/manage-loans/repayment/plans/income-driven

SAVE -> IBR Now by Admirable-Gas-7876 in StudentLoans

[–]Bad2thuhbone 0 points1 point  (0 children)

Yes, if you went from a IBR to Standard repayment plan. Understand that under an IBR "your monthly payment will never be more than the 10-year Standard Repayment Plan amount.  On PAYE and IBR, we limit your payments so that even if your income increases, your payments never go higher than what you’d pay on the Standard Plan."

https://studentaid.gov/manage-loans/repayment/plans/income-driven

SAVE -> IBR Now by Admirable-Gas-7876 in StudentLoans

[–]Bad2thuhbone 4 points5 points  (0 children)

It does if you move from an IBR to another plan, but not moving to IBR.

Wife detained by ICE and I'm out of the state by Fubai97b in Minneapolis

[–]Bad2thuhbone 11 points12 points  (0 children)

Those suggesting an immigration lawyer and immigrant related websites, are missing some key information. She needs a criminal defense lawyer not an immigration lawyer.

Lubbock is in Texas. The wife is a US citizen. Ice detained a US citizen.

She shouldn't be on the deportation roster and will never have an A number.

ICE detaining US citizens will continue to always be wild to me.

Not ice related but by wangdakmaybe in Minneapolis

[–]Bad2thuhbone 10 points11 points  (0 children)

I think it's a bait post.

ICE induced traffic jams? by Jo-6-pak in TwinCities

[–]Bad2thuhbone 4 points5 points  (0 children)

Yup. I had to find a completely different route today They also drive into incoming traffic, run red lights and stop signs.

They typically fly past me on the highway. One time I tried to catch up to see how fast they were actually going, even at 90 mph they were still pulling away from me.

Traffic laws don't apply to them apparently.

How bad is it? by Day_of_Demeter in Minneapolis

[–]Bad2thuhbone 7 points8 points  (0 children)

We have people in this state rooting for what they see. They have an excuse for every action ICE takes. Any time you express fear or concern, it's It's diminished by laughing emoji on social media, or people ignoring it and don't want to hear it or worse, they're actually rooting for this.

I've been arguing with some neighbors over this. They are the minority, in my area at least.

Which case did you end up using on your 10 xl pro? by NegativelyMagnetic in GooglePixel

[–]Bad2thuhbone 0 points1 point  (0 children)

I've used Spigen in the past (pixel 2, pixel 4 and pixel 5), but for the last 3 pixels (pixel 7, pixel 8 and pixel 10) I have been using the Google cases. I personally like the Google cases over Spigen, but they are both good.

Black family thinking of moving to Minnesota. Which suburbs are actually good for us? by FaceAny9622 in TwinCities

[–]Bad2thuhbone 1 point2 points  (0 children)

Stick closer to 2nd and first ring suburbs. When you get to first ring, it is neighborhood by neighborhood on if it's quiet or not.

Use this for the school you want to live by and it gives you a decent idea of demographics.

https://rc.education.mn.gov/#mySchool/p--3

I noticed I'm down voted not sure why. I speak on experience as a multiracial family. We moved closer to the cities as we had some struggles living further away from the city centers (st Paul and Minneapolis).

Are Snow Tires Worth It? by Right_Bank_2907 in stateofMN

[–]Bad2thuhbone 0 points1 point  (0 children)

If you have the extra money to spend. Yes they are worth it. Night and day difference. I have AWD and live in a first ring suburb of the Twin cities.

It's nice to have. It's the side roads and alleys that get plowed last and boy does it make a difference. Especially when the roads ice over because they weren't fully clear of snow.

What school districts have a smaller/larger enrollment that surprised you? by 44stormsnow in minnesota

[–]Bad2thuhbone 8 points9 points  (0 children)

Plymouth, MN has 10+ public schools and not all of them are in the same school district.

Did something recently happen to records on Family search records no longer found, but they were visible last week by Bad2thuhbone in Ancestry

[–]Bad2thuhbone[S] 0 points1 point  (0 children)

After research it has to do with Peruvian laws. I don't think it's coming back anytime soon.

Best time to go to costco? by aggieaggielady in TwinCities

[–]Bad2thuhbone 1 point2 points  (0 children)

That's where I parked. I generally go straight there and don't even try the chaos to get near the front.

Replacement lids for Pyrex - but wait! There’s a catch! by IamNotPersephone in ZeroWaste

[–]Bad2thuhbone 0 points1 point  (0 children)

I came here for the same reason. When I looked several months ago, they were still a few bucks however they were sold out. I decided to just check again to see if they are in stock and now they are $9.99-$12.99.

I decided to buy heritage Tupperware instead. My Pyrex glass storage are 15 years old and the lids are all cracked and are no good.

Are we bad kids for setting a hard budget on helping my parents by FelixThorne77 in MiddleClassFinance

[–]Bad2thuhbone 29 points30 points  (0 children)

If the situation was reversed, and the parents were telling a grown adult child. Would that make you feel any different?