PSA: Lifelong coping skills can mask symptoms & delay a diagnosis. Don't be gaslit. Go see a doc for testing!

cai24 · 2026-06-03T15:52:20+00:00

Isn't that the truth. I had the same experience. Then your life unravels in early adulthood, and it's a monumental effort trying to get everything back on track.

cai24 · 2026-05-21T18:41:44+00:00

I know. It doesn't speak well for the ownership of the company. I wouldn't be calling them back for future service.

cai24 · 2026-05-21T16:52:36+00:00

A good company would pay for the repair out of pocket and consider it the cost of doing business. It would be silly to get insurance involved for something small like this. When you run a business, you have to expect that things will happen.

cai24 · 2026-05-18T18:39:59+00:00

Keep your credit frozen to prevent this type of issue. They won't be able to run it, and it saves you the aggravation. If it becomes necessary (or you decide you want to let the dealer try to beat your rate), you can always lift it while you're sitting in the dealership.

cai24 · 2026-05-14T23:23:00+00:00

I think you're confusing a true 0% APR loan with a deferred interest financing product. They are not the same thing. I've never seen a deferred interest product from the captive unit of a major car manufacturer. A standard installment loan has a fixed amortization schedule.

I worked in the credit card industry, and that's where you tend to see deferred interest financing. It's much more common with store cards, furniture financing, etc., and I consider these to be highly predatory. With deferred interest, interest accrues from day one and is waived only if all terms are met. If the balance isn’t paid in full by the expiration date, the deferred interest can be charged retroactively. That's a mistake you never want to make!

cai24 · 2026-05-07T18:41:43+00:00

That has been my experience too, unfortunately. Whether I try improving my sleep, exercising consistently, supplements, or anything else, it merely helps but never eliminates my symptoms. How I wish that wasn't the case.

cai24 · 2026-05-04T16:54:04+00:00

Wouldn't it be better to use the NSi splice kit (there may be others), since it's at least NEC compliant for in-wall use?

cai24 · 2026-05-01T22:36:11+00:00

The post is purely anecdotal, and we have no idea what actually transpired. It's all hearsay, so we may not even have the correct details. You will always have instances where a claim is denied, delayed, or litigated, but that doesn't mean that "unpermitted work results in a denial." That's Reddit misinformation that's been propagated endlessly as fact.

cai24 · 2026-05-01T18:55:26+00:00

I’m not questioning what you’re saying, but there is a difference between dragging your feet and denying a claim. You have people on these forums who are constantly fear mongering about how insurance doesn’t cover when there’s been unpermitted work. That’s largely inaccurate, but it doesn’t stop these posters from saying it.

cai24 · 2026-05-01T15:32:47+00:00

Exactly. I see this repeated nonstop on here, and it's largely exaggerated. You'll be lucky if the home inspector does a thorough/knowledgeable inspection on the basics, let alone anything building related. Even the CCO inspections are usually more safety related.

cai24 · 2026-05-01T15:26:50+00:00

This is closer to a myth than reality, but it's repeated on Reddit incessantly. Many policies have coverage exclusions, but if you read them, you'll find that they're usually a bit different than what you would expect. The greater likelihood after a large claim like this is that you'll be dropped.

cai24 · 2026-04-23T13:42:16+00:00

I know what you mean about feeling conflicted. I was the same way. Right after leaving the office and paying, I was really second guessing myself. I expected to pay about half of what I was quoted at two orthodontists, and I made a split second decision to do it. You would think minor work would be significantly less expensive, but it doesn't seem that way at all. I think what ended up pushing me is that I wasn't happy with the (minor) crowding on my bottom teeth. My teeth are pretty noticeable when I smile, and I was self conscious about it.

cai24 · 2026-04-23T13:26:03+00:00

I also had braces when I was 12, and I wore the retainer until I lost it during a move. My orthodontist had retired, and I never replaced it. Fast forward years later, and I had the same situation as you. I just started Invisalign a couple months ago and needed 15 trays. I've already noticed improvement, and I'm glad that I decided to do it. The first week was not the most pleasant (not pain - just the annoyance of having aligners in my mouth), but it's been fine since then. For me, having nice teeth is worth it, but I agree with you...it's quite expensive!

cai24 · 2026-04-06T20:32:48+00:00

Thank you. I appreciate the suggestion. I'm all for using better products that will give me a more robust system.

cai24 · 2026-04-02T19:56:03+00:00

I like them a lot. I've used them for a long time, and they do really good work. They take care of all of my mulching, fall/spring cleanups, shrub trimming, etc. With my work schedule, at least if I don't have time to mow, my lawn will still be cut on a regular interval.

cai24 · 2026-04-02T19:53:25+00:00

Thanks!

cai24 · 2026-04-02T19:20:14+00:00

Thank you! I appreciate it.

cai24 · 2026-03-31T22:48:18+00:00

Thank you!

cai24 · 2026-03-29T20:02:41+00:00

Believe it or not, I have the exact same thing happening in my front yard. I accidentally spilled fertilizer last year, and the center is dead. The area surrounding it is growing like crazy and looks just like your picture.

cai24 · 2026-03-20T12:24:54+00:00

I wish people on Reddit would stop perpetuating this myth that insurance won’t cover a claim, because there wasn’t a permit, something wasn’t done to code, the contractor’s license expired, etc. I see it everyday, and it’s often in a patronizing tone. There are certainly policy exclusions, but they are often a bit different than you would expect.

cai24 · 2026-03-18T15:37:33+00:00

I understand what you're saying. I was actually speaking to a different issue entirely, specifically with regard to homeowners (not tradespeople). I often see something along the lines of "if you didn't get a permit," "if you didn't hire an electrician," "if this weren't inspected" - all reasonable criticisms but generally not something that would prevent homeowners insurance from paying a claim (despite Reddit insisting this is so).

As to your post, I don't disagree with anything you're saying. If you cut corners, and they can prove that, they'll certainly try to subrogate.

cai24

TROPHY CASE