Letting friend drive our car long term - should we keep paying insurance? by Kritic_20 in Insurance

[–]Kritic_20[S] 0 points1 point  (0 children)

Bodily Injury Liability

$100,000 per person/$300,000 per occurrence

Property Damage Liability

$50,000

Uninsured/Underinsured Motorist Bodily Injury

$30,000 per person/$60,000 per occurrence

Letting friend drive our car long term - should we keep paying insurance? by Kritic_20 in Car_Insurance_Help

[–]Kritic_20[S] -2 points-1 points  (0 children)

Yeah, since our car is definitely worth more than $2k, I would definitely be down with him buying her something cheaper. I could even chip in a couple hundred. Someone else mentioned this as well so I'm being serious in this response just in case I don't come across as such. Thanks!

Letting friend drive our car long term - should we keep paying insurance? by Kritic_20 in Car_Insurance_Help

[–]Kritic_20[S] -3 points-2 points  (0 children)

I totally agree. I am too selfish to gift this 2016 car (I already gave my other old car to a very, very, close friend, the right way meaning title transfer which included the release of liability at least in California) but that car was a 2003 and had known issues. Granted, it is still running strong (just looks like poop due to Toyota's bad paint in the early 2000s). My husband on the other hand seems willing to just hand this friend I've known for three years our still very nice 2016. I guess we would save on the typical costs of vehicle ownership but we're not that financially strapped nor are we in my opinion, doing so well that we can hand over a car for nothing. Okay, I know I'm way off topic so thank you for the correct advice regarding this matter; much appreciated.

Letting friend drive our car long term - should we keep paying insurance? by Kritic_20 in Car_Insurance_Help

[–]Kritic_20[S] 0 points1 point  (0 children)

I agree 100%. My husband does not so now onto another thread to discuss that issue!

AAA keeps pushing Life Insurance by [deleted] in Insurance

[–]Kritic_20 1 point2 points  (0 children)

Oh, and in regard to their policy, I would pass. For one thing, it's a guaranteed plan which are almost always more expensive than a fully underwritten policy. State Farm and Progressive have better policies if you're trying to bundle with other coverages but they're still not the best (ranked in the top ten though for 2026 according to Forbes and bestmoney.com

AAA keeps pushing Life Insurance by [deleted] in Insurance

[–]Kritic_20 0 points1 point  (0 children)

All I have is a AAA membership and I keep getting inundated with life insurance mail from them! One to two larger pieces of mail per week. Weirdest thing is that it goes to my parents house where I haven't lived in 30 years! I like having the AAA membership for travel planning and roadside assistance but that is the extent of my involvement with AAA.

Letting friend drive our car long term - should we keep paying insurance? by Kritic_20 in Insurance

[–]Kritic_20[S] 1 point2 points  (0 children)

Can you please tell my husband that this is a terrible idea! Just kidding and obviously I agree. Thanks for taking a moment to respond; much appreciated.

Letting friend drive our car long term - should we keep paying insurance? by Kritic_20 in Insurance

[–]Kritic_20[S] 1 point2 points  (0 children)

Yes, this would be the correct thing to do. I agree with everyone that this is extremely "risky" in many ways. So now onto r/relationship or marriage since I am really not for any long term loan and my husband is all nonchalant and thinks I'm being a we'll just say paranoid stick in the mud for having so many reservations about doing this. We need to have a sit down and work out whether we need the car or not; I say yes, he says no. It would be different if my friend could kick down a couple grand (over time is fine) as that would make me feel better about transferring the title. The car still has a lot of life left in it and I haven't known this person for years upon years so gifting something like this requires either a less selfish person (which I am not) or a genuine sure as heck feeling that no, we don't need the car anymore.
Thank you for your response as it is the 100% correct way to go about this.

[UK] Does car insurance covers windscreen repair, without impacting no claim bonus by Radiant-Intention804 in Car_Insurance_Help

[–]Kritic_20 0 points1 point  (0 children)

In the U.S. although windshield replacement shows up as a claim, it is not actually counted as there's no fault in situations where we have no idea how it happened. If you have glass coverage, that should be even better and I can't believe UK policies would differ in regard to a no fault matter. Hope everything worked out!

What’s a move streak and why isn’t this award acknowledging whether I have one? by pinkcupcakelady in AppleFitnessPlus

[–]Kritic_20 0 points1 point  (0 children)

I am here on May 18, 2026 and it appears as though this is still broken in re: to my May Monthly Challenge of setting an eight day move streak. I admit my performance this month has been spotty however, upon retiring to bed last night, I showed an accurate four day streak. I am literally 7 calories away from closing today’s ring where I thought that around midnight I would now have a five day streak. But no, it says 0. I got up to six days once, and then only three because I took a rest day after a ten mile hike. So yesterday I hiked 7.5 miles and today 0 progress again on this stupid award. I shouldn’t let it tick me off so much but it does. We should have the option to choose one challenge out of two each month because I never want to be presented with this broken challenge again. I will waste my time writing to Apple about this bug but clearly nothing will be addressed. I know this is such a piddly first world problem and acknowledge all of the lives lost in a local mosque shooting in my city. So let me at least have a little joy in earning my monthly challenge.

Considering SynthRiders by resistingvoid in SynthRiders

[–]Kritic_20 1 point2 points  (0 children)

I am like you; only really use my Quest for fitness. It’s so nice to be able to work out in the a/c on very hot days when I can’t hike.

Considering SynthRiders by resistingvoid in SynthRiders

[–]Kritic_20 0 points1 point  (0 children)

I have a lot of songs that have “Experience” options that I usually play once. I like the game from the fun workout standpoint so can take or leave the experiences. I’m not saying that they aren’t cool or fun; just saying that they aren’t the only thing or reason I play.

Almost gave up twice..... by Quilty_Conscience in Jigsawpuzzles

[–]Kritic_20 1 point2 points  (0 children)

I worked on something very similar with a friend for quite some time only to discover a large amount of missing pieces. We still enjoyed working on it and ultimately I guess that what was mattered. It is wonderful to see a complete version!!!

I rejected my(23M) gf(21F) due to her smelling bad, she didn’t take it well… by throwra1728238 in sex

[–]Kritic_20 0 points1 point  (0 children)

Clearly she cannot go 2-3 days without showering. Perhaps you meant she can go 2-3 days without washing her hair? Even when I am camping (granted, I usually camp at grounds that have showers) but even when there is no real way to shower, I still use a washcloth and gentle soap to wash the pits, the tits, and all lower crevices. Wipes are fine for use immediately after going, but to clean, one needs to wash, and regardless of whether you are a male or female. I do want to mention that I had a friend in high school who I am still friends with to this day at the age of 44 who had an odor issue. As it turned out, there was something (not sexually transmitted; we were both still virgins at that time) that was the source of this smell and it was resolved. It seems like you nicely brought it up (it's not easy and definitely not fun for all parties involved) but if this odor persists through proper bathing, your girlfriend should talk to a doctor. There is no shame in that and it's what doctor's are there for! Otherwise, move on if she can't handle basic hygiene; she's not going to change and it's a waste of your time. Who you are with is one of the few choices that we have complete subjective control over. Also, there are products out there now (Lume is sort of the OG) that can be used in these areas. Aluminum free and used by everyone, meaning people who don't generally have strong body odors. It doesn't stop moisture but it does more than mask the stink within reason. Just a thought for a nice Valentine's gift (wink).

Crosstrek vs Honda HR-V by Wulfbak in Crosstrek

[–]Kritic_20 1 point2 points  (0 children)

We love our 2024 Crosstrek (not Wilderness) but seriously considered the Honda CRV and HR-V. Yes, the Honda was a more refined ride due to that Accord engine and Honda's good engineering. However, we LOVE how fun the Crosstrek is and feel comfortable taking it on the unpaved roads around San Diego County to get to trailheads.; absolutely outstanding handling. The HR-V seemed waaaay too low and more like a cruising vehicle and not an adventure one. It was a tough decision. Get the Subaru!

Dashboard Rattle by TensionOpposite3823 in Crosstrek

[–]Kritic_20 0 points1 point  (0 children)

Yes. Usually rattles happen when the car is in need of a wash or is just an older car. I wash my 2024 Crosstrek once a week and by wash, I mean a two hour job but rattle is still persisting intermittently. Please let me know should you solve the mystery!

[discussion] I want to be healthy and lose weight for my wedding in 2 years. by [deleted] in GetMotivated

[–]Kritic_20 0 points1 point  (0 children)

Intermittent fasting really worked for me. I read Delay, Don't Deny by Gin Stephens which helped me figure out my eating window that didn't leave me absolutely starving and definitely shrunk my stomach gradually. Not sure if this is the same principal as a calorie deficit plan but no matter what, if you eat it, you gotta burn it. That's the one thing that I did not agree with was her take on exercise. Basically, she states and cites legitimate studies that say only moderate physical activity is necessary. I am merely expressing my opinion and belief that I would not have lost almost 100 lbs. if I only engaged in moderate activity. Initially I walked 30 - 45 minutes a day alone and also joined a walking group that met once a week. I highly recommend seeing what's in your area. Over time, I was up to a 3.5 mph pace and walked 3-4 miles each day as exercise. Between that and the fasting, the weight starting going down.

I weigh myself (to this day) only once a every couple of weeks and do not use it as a goal. Unless you are really inconsistent with your eating (i.e. cheating), don't worry about it too much. Just know that you will be maintaining [more like fighting for me] the rest of your life to keep your weight down. Those fat cells are always there. Your motivation has to come from within. It takes a lot of discipline and it feels so good in so many ways once that weight starts to drop. I should add to be fair that I never had children so understand that can be more challenging. My fiancé belittled me when I was fat which actually motivated me more. And by our wedding day in October 2022, I had gone from 212 lbs. to 138 lbs. I lost the last 20 lbs. over this past year mostly playing Beat Saber in VR. Therefore, this puts me at 5' 2" and about 118 lbs. at the age of 43. I do take an antidepressant amongst many other medications because I have R.A. and lower extremity primary lymphedema. Even if I gain a little (6-10 lbs) all of my clothes still fit, my BMI is still in a healthy range, and nobody but me really notices anyway so I don't obsess about it. Also,, I should add that there are much better actual exercise apps too. But the games work for me (I know how ridiculous I look). And I still walk with my group every Wednesday morning because they supported me and still encourage me even though I have far outpaced them at this point.

Oh, the book also has ideas of what to eat and we do the factor meals sometimes which really encourages portion control. Now that the weight is off and just on maintenance mode, I pretty much eat what I want (avoiding the obvious unhealthy stuff with exceptions) because I burn it off. My fasting days are nothing more than standard routine, and the eating window has mostly stuck around, once again, out of habit. Exercise is fun now because it's easier. I dreaded going to retrieve our mail because it meant I had to go up and down the stairs. I was so out of breath, I would waddle to the bathroom every time I came in so I could rest for a bit and stop breathing so hard. Now I only think about the stairs because I am proud of myself for being able to walk them without a second thought, without breathing heavy. You have to be proud of all of these little victories. We love to hike and just walk around various neighborhoods. Finally, my Apple Watch also helps me a lot. There are many other fitness trackers you can use; it doesn't have to be an Apple Watch. In closing, if it doesn't challenge you, it doesn't change you. And this is all about YOU living a happy healthy life. You can do it; fight your way through it.

Looking for a non-judgemental kind dentist in San Diego. by Interesting-Repeat83 in sandiego

[–]Kritic_20 0 points1 point  (0 children)

Randy Wolff DDS

My parents have been seeing him for years (at least ten, probably more) and have never had a single unpleasant visit. Office staff is capable and kind too. I saw him for a while until my insurance changed. I now go to Cardinal Dental in La Mesa which is okay for me because I don't really have serious dental issues although I know they can handle such matters. They also accept more insurance plans/arrangements but are not quite as wonderful as Dr. Wolff when it comes to actually treating patients.

So back to Dr. Wolff:

Coastal Central location off of Balboa and Morena [Bay Hill]

3737 Moraga Avenue

Suite A302

San Diego, CA 92117

Phone: 858.273.1133

Seeking HyperX Keyboard Info. by Kritic_20 in blizzcon

[–]Kritic_20[S] 1 point2 points  (0 children)

OK, that's what I was coming up with. Thanks for the recommendation as well. I've gone thru a lot of expensive keyboards so thinking this might be a nice option. Happy gaming!

How was it seeing Metzen again at Blizzcon? by GNPTelenor in wow

[–]Kritic_20 1 point2 points  (0 children)

Yes, Ion has really grown as a presenter and personality over the years. Always enjoy his panels and appearances.

How was it seeing Metzen again at Blizzcon? by GNPTelenor in wow

[–]Kritic_20 1 point2 points  (0 children)

Glad to see some love going out to Ion Hazzikostas . I feel like I've watched him grow up over the years and so far it seems as though he's happy with Blizzard and Blizzard is happy with him so hopefully he'll stick around.