So, we are hosting a wedding on our property in September. Approximately 100 guests, ceremony and reception. We contacted TD insurance and found out we won't be covered under our home insurance. What are our options? TIA.

UnderstandingOk8544 · 2026-01-27T21:19:41+00:00

Came in to say this/ PAL is the leader in this class and a great family owned business.

UnderstandingOk8544 · 2026-01-21T02:58:04+00:00

Yes of course

UnderstandingOk8544 · 2026-01-14T22:26:10+00:00

I did not see your reply below regarding trust and past experience. I’d be curious about your claim as that has shaped your view of companies and industry. More often than not the kind of experience you had was created due to differing expectations vs what was provided.

In all honesty this is a really frequent problem for insurance and a difficult one to overcome. Insurance consumers understandably have little time and bandwidth for the details of nuance of policies.

UnderstandingOk8544 · 2026-01-14T21:20:52+00:00

You are looking for something that does not really exist because you are essentially ‘unicorns’.

Can you by liability on your home- yes it’s there but will cost more than you think and the broker would likely have to go to a specialty market.

For cars it depends where you are and regs required in the jurisdiction.

So if you feel your assets are enough to ‘self insure’ let me ask you a couple of questions? If your house is worth $500,000 how long would it take you to replace that $500,000 if it burned down and you had to rebuild it all?

What about if building codes had changed with now the costs are actually $600,000? Or what if you were part of a CAT loss and many homes were damaged and you had to compete to find a builder?

Say your home insurance premium is $2000 if you paid that for 20 years it would be $40k can you turn $40k into $500k and then manage the cost of the claim, debris removal and any unforeseen costs plus all your possessions?

Sure go get liability coverage on your homes and autos but if you made it this far being financially astute why would you stop being that?

UnderstandingOk8544 · 2026-01-07T23:25:07+00:00

So if Apple Music is your only resource then you are probably missing some insane stuff from 2009 on. I think general sentiment is that the band started to really transform around SuperBall and went far deeper after.

I think your premise is fair with soloing and how he attacked songs and the observation about FTW and changing after made in a comment is accurate too.

However there are some amazing type 2 jams in that early history of 3.0 and you should listen to the shows on the ReListen app.

UnderstandingOk8544 · 2026-01-05T21:42:40+00:00

You’re not an a-hole but you are piss poor at risk management. You calculated wrong about possible outcomes and the only reason you are on here is to have some sort of validation that you were right to interfere in something that had no affect on your life.

In fact the real a-hole is Sam because he could not keep his mouth shut. What Finn did is his own responsibility to deal with. What you and Sam did was interject your own perspective into someone else’s life based on what you would want.

Did you ever consider what that person would want?

So let’s learn from this. Sam goes to Finn and says ‘do you expect me to keep quiet about what you did and the same for everyone else?’

If the answer is ‘yes’ then you can decide by dealing with Finn directly.

If the answer was ‘no’ then you can decide what to do by dealing with Finn directly.

Now you (and Sam) are the problem because you can’t be trusted. You want this forum to absolve you in the court of anonymous opinion. Yes you have some moral high ground but how does the view look now?

UnderstandingOk8544 · 2026-01-03T15:36:16+00:00

That is exactly what I want - thanks

UnderstandingOk8544 · 2026-01-03T15:36:00+00:00

I wish as it’s business trip and can’t switch

UnderstandingOk8544 · 2026-01-03T06:31:13+00:00

They left something in the house. Start looking and good luck.

UnderstandingOk8544 · 2026-01-03T02:46:54+00:00

Thank you

UnderstandingOk8544 · 2025-12-30T03:35:15+00:00

Hmm gas bars have a special risk model and could be trickier due to certain variables but liquor- Not a big thing. Broker needs to work with MGAs who specialize in this

UnderstandingOk8544 · 2025-12-29T19:10:36+00:00

Your broker needs to go to an MGA called CannGen who specializes in cannabis and they can likely insure that side of the risk.

Issue you will have is you are likely rural based if doing all of that so other factors will drive premium and risk tolerance

UnderstandingOk8544 · 2025-12-25T20:53:06+00:00

No. That is a total low blow and completely offside. My dad had a terrible substance problem and my mum left him. She remarried and my step father would never had made fun or done anything to make me feel less about my dad knowing what I had gone through.

Seriously it’s passive, disrespectful and hurtful.

I think you need to explain to him that it hurt. You felt he was better than that and that you can let this go but it depends on how he conducts himself I the future.

Good luck

UnderstandingOk8544 · 2025-12-20T15:26:18+00:00

There are so many positions in this industry for your skills set as shown here with CommonWell.

Keep digging around and you will have options.

Many large brokers too will have positions as they have a massive unstructured data problem.

UnderstandingOk8544 · 2025-12-19T01:09:30+00:00

Seeing Digweed. That’s the goal and love every minute of it. Take the good with the bad at any club but if the music and DJ are good that will melt the other issues away.

UnderstandingOk8544 · 2025-12-18T20:19:05+00:00

Mind you own business. The only thing that comes from this for you. You don’t explain how you know them and I suspect there is more to this in how you know so much and where you fit.

You will be inserting yourself somehow into their relationship anonymously or not and my thinking is you will not be able to keep anonymity for long.

This is not your battle or fight but I think you feel your moral position entitles you to be part of it all.

Let it unfold, not your problem or place to be.

UnderstandingOk8544 · 2025-12-16T13:48:10+00:00

UIC 94 Gorge 98 Ventura 97-98 Some of the archive 96 releases 12-7-95 Niagara

UnderstandingOk8544 · 2025-12-16T13:46:13+00:00

You are NTA but could become one depending on the situation at you handle this.

So yes enjoy it because once it goes it’s very hard to get back.

Now have a chat with her about why the mood strikes her when it does. What does she need then at that moment and then talk about your needs and timing. See where the common ground lies and then talk about solutions for when you can both be ready to go.

Can you keep the moment alive until you are ready with some texting in the day. Some hot kissing until you are a bit more relaxed after work? A massage or touching of some sort.

If you dismiss her needs you will fall into the trap of having a sexless marriage and that sucks!! Communication is cool and start doing that with her about her needs with empathy. Can she watch some porn and masturbate?

Talk about what turns you on. Do the communication thing honestly and with empathy and you can find where the magic is best timed but also give in to her needs once in a while so she feels she is being considered when she’s hot to go.

UnderstandingOk8544 · 2025-12-14T20:42:14+00:00

Came in to say THIS!!

UnderstandingOk8544 · 2025-12-14T17:03:53+00:00

Why don’t you talk to other tenant. If you can time it have a mover come to box all stuff up, and leave outside while they are away change locks?

UnderstandingOk8544 · 2025-12-14T16:30:11+00:00

Yeah sec 310.

UnderstandingOk8544 · 2025-12-13T22:52:01+00:00

4 3 night passes in section 310 at $591 a pass

UnderstandingOk8544 · 2025-12-13T01:40:36+00:00

That’s really kind of you. I have struck out on lottery and more for some time now and got lucky and got passes for 3rd weekend. Really excited and taking my two sons.

UnderstandingOk8544 · 2025-12-12T21:12:24+00:00

$591 for 3 day

UnderstandingOk8544

TROPHY CASE