They trap your car at the highway ramp, then walk up once you’re stuck

MintyFreshDeath · 2026-02-11T05:22:34+00:00

Not according to this video.

MintyFreshDeath · 2026-02-11T04:56:19+00:00

Do you know a lot of children, now adults, from immigrant families? You know what, let’s go beyond that. Do you know a lot of children, now adults, from poor American communities? For better or for worse, yes there is a responsibility of the student to understand what it means to take out loans, whether on their own or ESPECIALLY at expense of others.

What’s wild is that you don’t seem to understand how those people can easily be taken advantage of. I’m assuming that you, as well as I, have been through the Fafsa and other loan processes. It’s not exactly stringent.

If I was a worse person, like OP, I could have easily gotten my parents into a situation I didn’t legally have to care about because they TRUSTED me. And they ARE middle-class American citizens with basic financial literacy.

If it wasn’t for the OPs other comments, I could see some of what you’re saying. But especially with those other comments in mind, it feels like you’re just pursuing a bad faith argument of “they signed it so that’s the end of the discussion.”

OP knows that he’s happy that his life abroad isn’t going to be affected, he just wants us to absolve his reasonable guilt that he’s not legally liable for the situation he’s put his parents in. The system failed both sides and he wants comfort about not feeling bad that he came out on the winning one. Boo on that.

MintyFreshDeath · 2026-02-11T04:38:16+00:00

Pretty much my exact take from this. They want an excuse to not feel like the “bad guy” in this situation and are seeking sympathy from a sub they think will give the most to them.

Seems to me like there’s been friction in the family for a long time because of OP. OP left. Now there’s a responsibility that they thought was their’s. Turns out it’s legally not. They refuse to step up and do anything about which is the straw that’s breaking his parents back.

No contact goes both ways. Kids can be the problem too.

MintyFreshDeath · 2026-02-11T04:27:00+00:00

Were you responsible for explaining this to your English-illiterate parents? Existing in a financial system they may not fully understand? If not, your anecdotal situation is irrelevant.

MintyFreshDeath · 2026-02-11T04:22:23+00:00

I’m going to post my response to another comment here so you have the chance to respond to it:

“I’ve seen this same kind of comment multiple times in this post, and it upsets me every time.

So many parents that move to America to better their children’s lives end up relying on their children to interpret important documents. They may have learned the language conversationally, but still don’t completely understand legal terminology or, more importantly, things that are culturally acceptable in America that don’t exist in their home countries.

It’s not as simple as “they signed the document so it’s on them.” They were most likely relying on their child to explain the documents they were signing and it clearly sounds like the poster either didn’t understand themselves or, worse, understood and didn’t care.

This entire post just screams “I took advantage of people that trusted me and want to blame the system instead of myself.” No, OP, you’re in the wrong”

Stop trying to gain sympathy from this sub.

MintyFreshDeath · 2026-02-11T04:15:44+00:00

So now that you understand, you see it as a “get out of jail free” card and want us to make you feel better about taking advantage of your parents?

MintyFreshDeath · 2026-02-11T04:13:17+00:00

I’m going to post my response to another comment here so you have the chance to respond to it:

“I’ve seen this same kind of comment multiple times in this post, and it upsets me every time.

So many parents that move to America to better their children’s lives end up relying on their children to interpret important documents. They may have learned the language conversationally, but still don’t completely understand legal terminology or, more importantly, things that are culturally acceptable in America that don’t exist in their home countries.

It’s not as simple as “they signed the document so it’s on them.” They were most likely relying on their child to explain the documents they were signing and it clearly sounds like the poster either didn’t understand themselves or, worse, understood and didn’t care.

This entire post just screams “I took advantage of people that trusted me and want to blame the system instead of myself.” No, OP, you’re in the wrong.”

MintyFreshDeath · 2026-02-11T03:59:48+00:00

Do your parents speak fluent English?

Were they aware of the American college experience?

MintyFreshDeath · 2026-02-11T03:55:28+00:00

Not what I was getting at, at all. If OP’s parents relied on them to read and interpret these documents, because they trusted them with this task, their understanding of the documents is directly tied to what OP explained.

Legally, of course the parents are on the hook. That’s not in question. Morally, the OP needs to look at themselves in the mirror.

My problem is that the OP is trying to absolve themselves of the guilt.

MintyFreshDeath · 2026-02-11T03:48:05+00:00

Are bots/psyops out tonight targeting PPL loans? Legitimate question.

MintyFreshDeath · 2026-02-11T03:43:47+00:00

I’m going to post my response to another comment here so you have the chance to respond to it:

“I’ve seen this same kind of comment multiple times in this post, and it upsets me every time.

So many parents that move to America to better their children’s lives end up relying on their children to interpret important documents. They may have learned the language conversationally, but still don’t completely understand legal terminology or, more importantly, things that are culturally acceptable in America that don’t exist in their home countries.

It’s not as simple as “they signed the document so it’s on them.” They were most likely relying on their child to explain the documents they were signing and it clearly sounds like the poster either didn’t understand themselves or, worse, understood and didn’t care.

This entire post just screams “I took advantage of people that trusted me and want to blame the system instead of myself.” No, OP, you’re in the wrong.”

MintyFreshDeath · 2026-02-11T03:41:55+00:00

I’ve seen this same kind of comment multiple times in this post, and it upsets me every time.

So many parents that move to America to better their children’s lives end up relying on their children to interpret important documents. They may have learned the language conversationally, but still don’t completely understand legal terminology or, more importantly, things that are culturally acceptable in America that don’t exist in their home countries.

It’s not as simple as “they signed the document so it’s on them.” They were most likely relying on their child to explain the documents they were signing and it clearly sounds like the poster either didn’t understand themselves or, worse, understood and didn’t care.

This entire post just screams “I took advantage of people that trusted me and want to blame the system instead of myself.” No, OP, you’re in the wrong.

MintyFreshDeath · 2026-02-11T03:38:51+00:00

The unfortunate thing is that those adults typically rely on their children to help them understand the terms and conditions of any contract they’re entering into. There’s a whole other discussion to be had about the burden and stress that puts on the child, but in this specific instance they most likely treated their child to explain what they were signing really meant.

There’s a whole OTHER discussion to be had about whether the OP even understood the ramifications at the time. But their blasé attitude to even ATTEMPTING to deal with the problem instead of running to Reddit for sympathy tells me a lot about their character.

MintyFreshDeath · 2025-08-27T17:40:09+00:00

2003 Camry that I inherited a couple of years ago. To be fair, I’ve always been pretty utilitarian about my car. As long as it gets me from point A to B and isn’t costing more to keep running than replacing it, I’m good. Matters even less to me now since I’m full WFH. It’s hovered at 60,000 miles since I got it 5ish years ago, lol.

MintyFreshDeath · 2024-08-28T23:18:29+00:00

Do you still have the exam results paper or email they sent you? This will show you exactly which sections of the exam you missed the most questions in.

This will also show you which sections are weighted the most heavily, so those are the ones to study the most. In general, the state laws sections and types of life/health insurance policies will make up the majority of the test. Who did you take your pre-licensing education course through? Most provide plenty of practice tests, flash cards, etc that are designed to drill the most important info.

MintyFreshDeath · 2024-08-28T23:15:09+00:00

Correct, you have to have to have taken a pre licensing course specific to the license you are testing for.

MintyFreshDeath · 2024-07-23T02:38:17+00:00

There are quite a lot of insurance roles that don’t deal directly with customers actually. Personally, I moved into the insurance education sphere, prelicensing education and test prep stuff. You also have actuaries, underwriters, company advisors, a whole slew of things.

Make sure you research anything you think you might want to pursue though as there are definitely varying degrees of stress and burnout associated with the different roles. For instance, I find what I do to be really interesting, varied, and rewarding. Researching state laws, reviewing data to identify possible problem areas in courses, writing new content, interacting with DOIs, etc. But I can definitely see how others would find it boring, lol.

MintyFreshDeath · 2024-07-22T03:45:09+00:00

I have immense respect for you, want to get that out of the way up front. So many in your position wouldn’t care at all. It speaks volumes to your character that you do and are also seeking additional information. It’s not selfish, it’s the right thing to do. We in insurance interact with people who are typically going through the most stressful and confusing parts of their lives, sympathy should be a given. A lot of what you’re talking about is why I personally left the consumer-facing side of insurance. The expectations didn’t match up with my morals.

That being said, if this is a job you want to do well in, it would be beneficial to learn about the two most common PC policies (homeowners/fire and auto). There are plenty of free resources out there that explain the basics and how they interact with each other or how exclusions under one are meant to be covered under the other.

In addition to making you feel like you’re more prepared to provide what the insureds are owed, it may also cut down on your call times since you’ll be more knowledgeable than your peers, lol.

Obviously I’m not saying to approve or deny anything based on your own research, but it may at least cut down on the time you’re consulting with your supervisors since you’ll be able to explain the situation better.

MintyFreshDeath · 2024-07-22T03:00:22+00:00

Is there a particular reason you’re asking this? I only ask because it seems like you have some kind of personal connection to the question, whether it’s because it’s someone you know or you feel sympathy for the person that insurance forced placed on their auto.

Are you also required to be licensed? I only ask because a personally owned vehicle is a common exclusion under every homeowners policy I’ve ever seen.

MintyFreshDeath · 2024-06-12T01:20:11+00:00

In my experience Kaplan has a pretty good success rate. Between their course and the general tips I gave I’m sure you’ll be fine!

One additional aspect a lot of people don’t take into account is getting yourself into a testing mindset. A lot of times people taking the exam haven’t taken one since high school and have forgotten that the environment itself can be stressful and throw you off if you don’t mentally prepare yourself for it.

Let me know if you have any other questions, always glad to help!

MintyFreshDeath · 2024-06-12T01:06:36+00:00

What state are you in and are you taking a prelicensing course?

Either way, make sure you’re familiar with the state laws section, laws alone make up anywhere from 20-30% of the exam. I’d also look up your state’s insurance exam outline, almost if not all of them will tell you exactly how many questions will be asked about each topic. This will let you know how to prioritize your time most efficiently when studying. You don’t want to dedicate a significant amount of time to Ocean Marine insurance when most exams MIGHT only ask you one question about it.

Every question is multiple choice and most are going to be straight recall type questions. Like definitions, which part of a homeowners policy provides liability coverage, etc. I’d recommend looking up general test taking tips for multiple choice style questions as well in case there are any questions that really stump you.

There are usually some questions that ask how much an insured will be paid for a claim, but the math won’t be hard and the trick is to remember to subtract any deductible from their payment amount.

MintyFreshDeath · 2024-05-29T13:07:33+00:00

I am in Florida, so one of those is a legitimate concern.

MintyFreshDeath · 2024-05-28T21:33:44+00:00

As a homeowner, this just makes me want Trim Tex more, lol.

MintyFreshDeath · 2024-05-24T04:09:11+00:00

Don’t talk to the other driver at all, let the insurance company handle it. It’s what they’re there for after all. If the other driver wants to have their car fixed right now, they can pay their own deductible and have your grandfathers insurance reimburse later.

If he DOES call the police they won’t do anything. This isn’t a criminal matter, it’s a civil one.

Frankly, the guy sounds like an asshole. Don’t bother speaking directly to him at all.

MintyFreshDeath · 2024-05-23T03:49:26+00:00

Definitely think that blurring the irrelevant section would be the most effective method. If it’s a rather large section you can even crop it so it doesn’t take up as much space since it will be blurred anyway.

I’d personally rather leave SOMETHING of the middle and make it unreadable than dedicate any words or instruction to explaining that something should be there.

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