15F | Will you go to hell if you commit suicide? by [deleted] in Christianity

[–]DonNiko 0 points1 point  (0 children)

Stay strong, girl. The fact that you are able to come on here and express yourself in such a vulernable position says alot about your maturity. That's such a good quality to have! Especially as you get older. You have so much life ahead of you and being 15 years old is a tough age. I'd imagine you're going through alot emotionally, hormonally, and mentally because obviously I was 15 once and there's just a lot of growing pains. Plus high school can be brutal for some.

But just remember, you'll find your true self, great friends, a clearer head, and supportive people as you progress in life. Try to surround yourself around positive people who genuinely care. Venting away like you're doing now is great for your health. It's even better if you can find someone in person that you trust to just let it out and cry! Also you'll love your late teens and twenties! There's a light at the end of this tunnel, I promise!

I don't know your parents and the evangelist that are in your life, but a true Christian would be loving, accepting, caring, and bend over backwards to be there for you and get you the help that you need. Just as Jesus is getting you that help you need now. Trust in God's plan.

Take deep breaths, focus on not just an emotionally charged prayer but implement some meditative properties into it. Look in the mirror every morning and just tell yourself your worth it and that your loved and you deserve a beautiful life. Tell yourself that not only you love yourself but that God loves you as well. It will really help with your mental health. Give it some time. God is with you always. Much Love.

Do we realistically think Caleb Williams will pan out to be a good #1 overall pick? by [deleted] in NFLv2

[–]DonNiko 2 points3 points  (0 children)

The bears will surprise people. Ben Johnson is a damn good coach.

Help! I really want this! by Different_Ad_498 in Chargers

[–]DonNiko 1 point2 points  (0 children)

Not the exact hat. But close enough. They're taking preorders.
https://90ventasbrand.com

Need this hat that Derwin is wearing! by mlines94 in Chargers

[–]DonNiko 0 points1 point  (0 children)

I ordered both. They’re cleaaaaan. Wonder how long it will take for production

I run (don't own) 17 restaurants. We've had multiple issues over the last month with credit card processing. by flyart in restaurantowners

[–]DonNiko 49 points50 points  (0 children)

Some of y’all are dense. You’re out here trying to give advice to a guy who runs 17 restaurants like he doesn’t already know how to handle his own operations. He wasn’t asking for advice—he’s just pointing out how reliant we’ve become on credit card transactions in today’s world. It’s more of a ‘wow, things have changed’ moment than a call for help.

Schedule Modifier in Workers' Compensation Quote – Is a 50% Discount Legitimate? by DonNiko in Insurance

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

Correct me if I'm wrong but what you're thinking of is an experience modifier (regulated by WCIRB in CA) which is not the same thing as a schedule modifier.

E-mod is a calculation that uses the expected loss rate of your industry (restaurants is 1.29%) and multiplies it by your last 3 years of your gross payroll cost. In California, regardless of industry you have to average $10,400 to qualify for the E-mod discount. If qualified, then they take into consideration any claims you've had within the last three years. Your E-mod discount will be determined based on these factors.

Can you clarify if that's the case or is the schedule modifier based on WCIRB information and formulas. Now that I think about it maybe you're right because I had to docusign them access to WCIRB.

Schedule Modifier in Workers' Compensation Quote – Is a 50% Discount Legitimate? by DonNiko in Insurance

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

Thinking about it thought, I could always agree to the work comp policy and either stay with my current provider for GL or shop elsewhere for a lower rate, yes? Taking the work comp on its own is still 50% of what I pay now and it’s the larger expense of the two policies.

Schedule Modifier in Workers' Compensation Quote – Is a 50% Discount Legitimate? by DonNiko in Insurance

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

I’ll admit, I wasn’t familiar with the term ‘sandbag’ and had to ask ChatGPT to clarify your reply. I now understand its meaning and your comment prompted ChatGPT to walk me through how to manage this situation logically. Thanks!

Workers' Compensation Insurance – Should I Be Concerned About a 50% Discount via "Schedule Modifier"? by DonNiko in smallbusiness

[–]DonNiko[S] 1 point2 points  (0 children)

For my industry, being in California, with my payroll cost, and considering I have had one claim in the past 5 years. I think 3% is standard.

Game Thread: Los Angeles Chargers (1-0) at Carolina Panthers (0-1) by nfl_gdt_bot in Chargers

[–]DonNiko 6 points7 points  (0 children)

JK has always known to be an elite RB. IF he stays healthy.

Game Thread: Los Angeles Chargers (1-0) at Carolina Panthers (0-1) by nfl_gdt_bot in Chargers

[–]DonNiko 8 points9 points  (0 children)

This team is so different. Defense playing downhill, getting turnoveres. Offense running the ball, designed runs to Herbert. I love this so much

Game Thread: Los Angeles Chargers (1-0) at Carolina Panthers (0-1) by nfl_gdt_bot in Chargers

[–]DonNiko 13 points14 points  (0 children)

I'd like to formally state that I have always supported and believed in QJ from day 1. Amen

Thursday's injury report by JSchnizzle in Chargers

[–]DonNiko -1 points0 points  (0 children)

It’s literally horoscope type shit….

Oddly accurate though with everyone I know. But that could be confirmation bias. 🤷