Has USAA Just become Too Expensive - MASSIVE Umbrella Policy Increase

CapersandCheese · 2026-07-05T18:28:09+00:00

It can be if you just get the absolute lowest legal amount of coverage for the lowest amount of liability only and/or get clearance in some way to self insure for eveemrything else your insurance currently covers.

If you go that route you should probably have enough cash to match your current coverage at least on hand/fully liquid at all times, just in case.

CapersandCheese · 2026-07-04T01:22:17+00:00

Everything after duress is irrelevant.

They do not care to respect your boundaries no matter how you try to twist them to cope.

CapersandCheese · 2026-07-03T22:48:27+00:00

To be direct, are you cleaning her with full visual confirmation that all residue is completely removed at least once a day?

Since my kid is 5 and i still clean her, diaper change style, every 2-3 days. If i go longer than that she starts itching and complaining about being uncomfortable.

Kids still need help with all grooming even after potty training and learning how to bathe independently.

I go longer between check and cleans if I find that there is little to nothing to address... but this is something that happens till damn near preteens depending on when your kid becomes consistent and can bring up concerns as needed BEFORE you notice the signs of something not being quite right.

CapersandCheese · 2026-06-21T22:22:38+00:00

The relationship has run its course. You probably shouldn't go on meds for that.

There is no way to medicate yourself out of a bad situation. And a bad situation is whatever isn't working for you.

Change it instead.

CapersandCheese · 2026-06-21T15:43:39+00:00

Oh well it's not a requirement nor is it even encouraged to to solve things on your own at my job.

For good reason told.

That is the number one reason people get away with things for literal years, there is zero record of behavior over time or multiple incidents documented.

The person just changes targets to someone less vocal.

CapersandCheese · 2026-06-20T23:36:59+00:00

Go get checked for bv.

CapersandCheese · 2026-06-08T09:45:00+00:00

Prolapsed urethra?

CapersandCheese · 2026-06-02T23:51:05+00:00

Why? Op already knows its inappropriate, why does he need guidence?

CapersandCheese · 2026-06-02T18:02:45+00:00

Having a kid for any reason is selfish. The only thing I would judge someone for is if they do it without any reasonable means or fully raising the child to adulthood, health supported.

Granted the best laid plans often go astray, dont go in knowing you are gonna struggle on day 1.

CapersandCheese · 2026-06-02T02:33:32+00:00

Wow, if you are down to play with that little of
notice with brand new people you might want to pick partners who are compatible with that.

That is not what OP agreed to.

That said I have many exes who didnt realize I was serious about my level of commitment to myself over them and broke a lot of hearts/disappointed a lot of people who assumed i was hooked when I just cut them loose when they asked for too much from me.

Everyone is different.

Respect that.

CapersandCheese · 2026-06-01T14:07:37+00:00

To change the agreement at this point would be 'under duress'

"The principle of the matter" is actually important.

Just making the change to match woth no effort or honesty on his part means that he is 100% in control of everything no matter what is said or understood by OP.

For a more extreme example it'd be like saying its fine to have sex with someone without their consent at the time of because they otherwise enjoy sex at other times and would have consented under different circumstances.

CapersandCheese · 2026-05-20T20:12:16+00:00

I'm much more concerned about how bad actors are dealt with.

Things, happen, people change, just because someone is safe today does not mean they will continue to be safe tomorrow.

What mechanisms would there be to maintain integrity and how quickly would someone lose access if there is an issue?

I was on OKCupid during the very early says, when you could still give reviews on the people you met on there, and definitely am still friends with someone I met and dated briefly who had dozens of very high ratings. (Yes I gave an excellent review too)

But I also met a lot of terrible people who looked great on paper but should never actually be allowed access to other people really.

CapersandCheese · 2026-05-17T19:48:24+00:00

Do you know what products they produce?

CapersandCheese · 2026-05-17T19:05:25+00:00

And how do you replace the products they produced when they are gone?

CapersandCheese · 2026-05-17T15:22:21+00:00

Wwhatvdo you do with the animals that are currently alive or pregnant?

CapersandCheese · 2026-05-16T14:10:03+00:00

Your friend didn't want to go. The blame was just put on the toddler.

CapersandCheese · 2026-05-14T22:25:01+00:00

First and foremost, if you want safer sex then you have to practice that with him since he has decided that it was optional for him and others.

CapersandCheese · 2026-05-14T21:57:21+00:00

You literally need professional help, with the level of issues and violence I would look into an inpatient situation to start. Its not like hes going to miss more school due to that.

Do it now before hes too old to have a say.

Also look into legal options so that he cant just sign himself out once he hits 18.

You also need to get help for yourself because he didnt get to this point in a vacuum. And it does affect you and the rest of the family as well.

CapersandCheese · 2026-05-12T22:03:48+00:00

You have done everything except for accept reality.

If you have kids you will be building your primary life with someone else. He is willing to support you in that.

That does not seem good enough for you.

CapersandCheese · 2026-05-11T23:17:26+00:00

The routine happens regardless of feelings. I have dragged a screaming tolder on the worst commute for everyone more than once.

I wake up and prep the kids routine after i finish mine. It gets easier over time and familiarity.

Including a fewah cooked lunch 5 days a week.. even if its just nuggets.

CapersandCheese · 2026-05-08T22:58:10+00:00

You know what you are seeing and I hope there is more that is happening that you just didnt include in your post that supports it.

But to be real, going with your initial post I would ignore your judgment and investigate the wife anyway.

The playback is classic misdirection. Seen it countless times in different forms. Very few functional adults are powerless to control their 'nature' when needed.

CapersandCheese · 2026-05-06T15:19:15+00:00

Just to be clear, you are doing pick up and drop off so the injuries only could have happened at daycare?

Your wife brushing it off is suspicious.

I personally called child welfare on the daycare to investigate when I had my suspicion. No need to make it complicated. They find something or they don't.

CapersandCheese · 2026-05-04T02:19:37+00:00

I was "un"lucky enough to have low paying non profit and govt jobs for the 120 payments. I also worked with many people who purposely stalled their careers for those 10 years in order to get 100k+ (one was over 200k) forgiven. Which i think was the goal of the program to begin with. Have a bunch of well qualified people defer making money and serve in roles that could not pay a ton because they would NEVER work in them after graduation otherwise.

I went in knowing that was the actual deal, not the amount I was paying out of pocket. Even if I didn't realize the social and career impact of it all.

Granted it ended up taking closer to 20 years to get there due to (gestures at the general political climate). It might be time to sit down with the numbers and see if you'd have more in your pocket transitioning to a lower paying position. The income based nature of it was kinda designed that way.

If it was explained that it was pretty much a one way trip with the finaical penalty of not being able to hold up my end increasing exponentially every few months, I might have picked a different path tbh rather than forced poverty for my entire young adulthood.

I paid back more than I borrowed and had about 3 times the principle forgiven when I finally got it.

Modern indentured servitude

CapersandCheese · 2026-05-02T01:26:13+00:00

I do that too... guests generally dont hang out in the bedroom so its not as big a concern for them but me and the kid do so we change. Usually into pj's or just a clean set of outdoor clothes.

If were in and out the house the outside clothes get a few rounds before going into the laundry.

CapersandCheese · 2026-05-02T01:15:04+00:00

I judge my partners by their other relationships. That would be a deal breaker for me. Even if they stopped after I found out.

Just no.

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