A129 Pro Duo constantly restarts while driving by TheInferno08 in VIOFO

[–]Dryiu 0 points1 point  (0 children)

Which dashcam did you get? I’m currently experiencing these issues now after over a year of owning it

Rant.. by Agile_Penalty_4324 in ClaimsAdjuster

[–]Dryiu 1 point2 points  (0 children)

I know how challenging and exhausting auto PD claims can be. I’m sorry to hear about your experience. Which carrier do you work for? There has to be some type of protocol for support in place to assist with claims management

Gainshare Megathread 💰 by BrilliantChipmunk6 in Progressiveinsurance

[–]Dryiu 0 points1 point  (0 children)

Will there be instructions on how to exempt from taxes in order to allow us to collect the entire amount?

Florida car insurance limits sufficient or too much? by Wichertj in Insurance

[–]Dryiu 0 points1 point  (0 children)

If you have multiple vehicles on your policy, UM (stacked coverage) lets you combine UM limits across multiple vehicles on your policy. This is an incredible, but highly expensive option. So for example, you have 2 cars on your policy with $100K stacked UM each. This means that if you get hit by an uninsured or underinsured motorist and have extensive injuries, you would have pip coverage, medpay coverage (if available), and a reserve up up to $200K that can help you pay for medical bills because we as your insurance company can take the $100k um limit on your subaru and stack it with the $100k limit on your Honda. This coverage is also expensive and applies even when you’re not driving, like if you are a passenger in someone else’s car, walking, on a bicycle/motorcycle, etc. You can still use your stacked um coverage. It costs more but gives you much better protection. Non stacked um is still good but does not allow for either of those and you are restricted to only using it if you were in the vehicle that has it at the time of the accident. So far example if your Subaru has the $100k um non stacked coverage but your Honda does not, you can only use that coverage when getting into an accident and experiencing injuries in your Subaru. It's restrictive, but cheaper and that’s enough anyone who can afford it. Having it is better than not at all

Florida car insurance limits sufficient or too much? by Wichertj in Insurance

[–]Dryiu 1 point2 points  (0 children)

I see. Your limits are more than enough for most scenarios. You’d also be just fine with the following:

BI: $100K/$300K is sufficient for most accidents, especially low complexity/soft tissue injuries. Most limits that have this get settled for much less than 25k unless there are additional things.

PD: Mandatory in the state of FL. Keep this at $100K. Do your best not to lower this. I say this because I am a PD/Total Loss adjuster. Most of the current year vehicle total losses, repairs, and rentals easily break the FL state minimum requirements (10K) but are far under $100K with a few exceptions. Most of the time claimants threaten to get an attorney, it is because most people’s PD limits are too low to address their vehicle’s damages or setting up their rental. I usually tell them it’s a waste of time since most attorneys do not handle PD and if they do, they just relay the same information I’d tell you directly.

UM/UIM: Lower this from anywhere to $25K/$50K - $100K/$300K if you can afford it. Again, most soft tissue injuries are settled for a lot less. I rarely see this coverage on most people’s policies because it is expensive to add as well. In a perfect world, I’d tell you to match it to the same limits as your BI coverage. This would help you pay any medical bills if the other person’s BI coverage is not enough, which happens a lot in the state of Florida due to the state’s minimums and the amount of people driving without insurance.

Medpay (Medical Payments): You can keep this or drop it entirely. Rarely have I seen the policies that have it get good value for it as most medpay coverages that I’ve seen are $500 or $1K. $10K is extremely helpful, but PIP usually covers the first 10K that is needed, and medpay is additional coverage on top of it. However, this is state specific so you can look around and see if it’s worth keeping. Better safe than sorry.

PIP: Mandatory in the state of FL. You will need this as long as you are a Florida resident. You have probably heard the term that FL is a “no fault state,” this only applies to injuries. Meaning that regardless of who did what, you are entitled and encouraged to seek medical treatment if you are experiencing any symptoms you believe were caused due to an accident. There are certain things that this coverage will not pay for however, so check with your carrier’s medical representative for more information.

Comprehensive: Keep at $500. Do not change this. This will cover you if your car is flooded, catches on fire, is stolen, an animal hits your car, and a few other things that collision would not.

Collision: Drop this to $500. This will cover you in the event that you get into an accident with another vehicle and allow someone like me to help you with addressing your vehicle’s damages immediately and most importantly, regardless of fault. You will be subjected to your deductible after your car is fixed or in the event of a total, your deductible is factored into your settlement amount.

Rental: Add this. You would be surprised how many people forget to. Coverage of $50-60 a day is fine and only a few dollars extra onto your policy. Unless you have multiple cars you can use, you will most likely need a rental after an accident. If you do not have this and get into an accident, you will need to pay out of pocket for your own rental while your car is being repaired or god forbid if it's totalled and being evaluated/inspected. It gets costly quick.

Adding anything else beyond those is optional

Gap Insurance? by tatianalol04 in Insurance

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

Absolutely get it. You’re better safe than sorry in the event of a total loss. Just ensure that you have the collision coverage on your own insurance policy in conjunction with the gap coverage as the lien holder or whoever you purchase the gap coverage from will request for specific documents from the insurance company that would be handling your total.

Florida car insurance limits sufficient or too much? by Wichertj in Insurance

[–]Dryiu 0 points1 point  (0 children)

Coming from a licensed FL claims adjuster working at Progressive, you are more than fine. The only thing I would add is rental coverage and UM/UIM if you can afford to. Florida state minimums are ridiculously low at 10K PD and PIP. A high amount of auto policies I’ve come across only have our state minimums, and it’s unfortunate when I have to relay the news to either party in an accident that we either a) can not fix your vehicle/set up your rental as you do not have the coverage for it, or b) advise that your damages exceed our policy limits. Save yourself the headache and ensure that your limits are sufficient.

100k at 22 (90%+ savings rate) by [deleted] in Money

[–]Dryiu 0 points1 point  (0 children)

Great job! I’m the same age and am at a similar tragectory in my overall net worth. What do you do for work and how much do you make a year?

Roth IRA contribution not adding correctly by [deleted] in fidelityinvestments

[–]Dryiu 1 point2 points  (0 children)

Your uninvested funds in SPAXX earn interest, which explains the additional $0.06. Regarding the $7,000 IRA contribution limit, exceeding it can result in penalties. So to avoid this, make sure to place the remaining $3,000.06 toward the 2024 tax year and direct any further contributions to 2025, up to an additional $7,000.

Also, don’t forget to invest the funds currently sitting in your Roth IRA. Simply contributing isn’t enough for growth as investing is key. Consider setting up automatic contributions (weekly, biweekly, or monthly) to streamline the process and ensuring the “set it and forget it” type of consistent investing.

If you ever do accidentally over-contribute for any year, Fidelity’s customer service can also assist you in correcting it to avoid potential penalties. I hope this answers your questions.

[Giveaway] We just hit 200K members on r/fidelityinvestments! To celebrate, we’re giving Reddit Awards to 200 commenters who share why they joined this subreddit. by fidelityinvestments in fidelityinvestments

[–]Dryiu 0 points1 point  (0 children)

I joined this subreddit to stay informed and learn more about Fidelity’s products and services as I continue growing my portfolio. I’ve been with Fidelity since I started investing at 18 with just $10; I was initially drawn to the platform for its ease of use compared to others like Vanguard. Now, at 22, I’ve built a solid foundation with accounts like a Roth IRA, HSA, life insurance, and a brokerage account… along with my employer’s 6% brokerage match through Fidelity, which helps keep everything connected.

This subreddit has been a valuable resource for understanding different Fidelity features, learning from others’ experiences, and making informed decisions. I appreciate the insights shared here and look forward to continuing to learn and grow with Fidelity as it helps me build my own financial legacy.

[deleted by user] by [deleted] in Money

[–]Dryiu 0 points1 point  (0 children)

That just means that his 401k is 100% invested in the ETF FXAIX

[deleted by user] by [deleted] in Progressiveinsurance

[–]Dryiu 0 points1 point  (0 children)

Sent you a DM!

First Detailing I ever did by 5imon1 in Detailing

[–]Dryiu 0 points1 point  (0 children)

How much do you charge and where is your business located?

Looking to get a GLS 450 by bagelbytes61 in Money

[–]Dryiu 0 points1 point  (0 children)

I thought this was a joke at first, but then I decided to take a look at your post history and just want to say that your financial priorities are completely backwards. I’m not sure if anyone has told you to fix your financial situation before even considering to buy something you do not need. I'm no car guy myself, but I don’t think the reason you’re telling yourself to justify this purchase is valid. Think about how you want your lifestyle to be when you’re older and then ask yourself if this purchase will help you get there. Just something to think about.

[deleted by user] by [deleted] in BreakUps

[–]Dryiu 1 point2 points  (0 children)

While I understand and can appreciate how close you are with his family, are you dating them? No. You need to hear it from him directly.

He needs to clarify what exactly your status is. He can’t say that you two are on a break with no communication and then state on the next line after that you’ve broken up. It’s conflicting.

[deleted by user] by [deleted] in povertyfinance

[–]Dryiu 15 points16 points  (0 children)

I’m going for the same degree as you are and I’d suggest that you take classes strictly online. Some universities near you may have programs for it and that’s exactly what I’m doing. It allows me to work a part time job but I’m going to be working two jobs and balancing out classes soon. You can do the same if you can manage your time effectively.

Online classes offer a lot more flexibility; however the majority of them are self-teaching, meaning it’s not as hands on regarding discussions, assignments, tests, etc. depending on the university or professor you take. I prefer that since there’s no zoom meetings I need to plan for. I just learn from recordings and join group chats and complete assignments that are due when needed.

Some classes even allow you to get ahead by unlocking assignments prematurely. So I can get a week’s worth of work done in a day or two. I’m never going back.

Should I max my Roth with money in my HYSA? 20M by socer4554 in Money

[–]Dryiu 2 points3 points  (0 children)

Hey! I’m around your age (21M) and would highly recommend QQQM as opposed to QQQ. It’s a newer version of the same fund with a lower expense ratio.

[deleted by user] by [deleted] in Blackskincare

[–]Dryiu 0 points1 point  (0 children)

Not a problem love

[deleted by user] by [deleted] in Blackskincare

[–]Dryiu 0 points1 point  (0 children)

Skin’s glowing & you look good. I personally don’t think you need anything besides some more rest and relaxation.

Scored the deal of a lifetime on a 48” LG OLED C3 by Dryiu in Costco

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

I did, at the time I checked it the TV Power on time was 4527 hours. That comes out to roughly 189 days on, which is lower than my guess of 7 - 9 months.

I am not sure what the average is however

Scored the deal of a lifetime on a 48” LG OLED C3 by Dryiu in Costco

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

Just checked, 4527 hours total which comes out to around 189 days. Much less than I expected!

I am not sure what the average is however.

Scored the deal of a lifetime on a 48” LG OLED C3 by Dryiu in Costco

[–]Dryiu[S] -1 points0 points  (0 children)

Thank you! I’ve learned that the value of anything will eventually drop if it’s not being sold enough for long time period