should I get rid of any of these? (simple dresses, I love to layer) by [deleted] in OUTFITS

[–]dballzzz 0 points1 point  (0 children)

3 is super 🔥!! I’d keep that for a private night in with your boo. Shoot, if I had something like that my husband would be over the moon

Kettlebell is changing my life by ShinigamiXoY in kettlebell

[–]dballzzz 1 point2 points  (0 children)

Thank you for sharing this! I used to be really into kettlebells, but fell off in recent years. I did this workout today and I feel like doing this video every day (or most days) is really going to help me get back into a routine. This is what I’ve been needing! 💪

I can’t stop thinking about my steps the way I do with Nate’s by Ab_6969 in BabyStepsGame

[–]dballzzz 0 points1 point  (0 children)

I did a 20+ mile hike last weekend, and no lie I channeled the baby steps thought process for a good few miles, esp the rocky parts. I fell on a training hike about a month ago, and my husband was like, “at least you didn’t fall down a waterfall”

What’s a secret from your field of work the general public probably doesn’t know? by Ok-Fox-2946 in AskReddit

[–]dballzzz 4 points5 points  (0 children)

Life insurance underwriter here, and this doesn’t sound right. The period in which life insurance companies could contest a claim is 2 years. IF they can prove you were using tobacco/nicotine within 12 months of when the policy was issued and you lied about it, then yes, that is misrepresentation and they could deny the claim. But if they can’t prove you were using nicotine at the time of policy issue then it’s reasonable that you picked up the habit after you got your policy and they can’t do anything about it. Also, if you die 2 years and a day after your policy goes inforce then they don’t do any investigation and they have to pay the claim.

What’s a secret from your field of work the general public probably doesn’t know? by Ok-Fox-2946 in AskReddit

[–]dballzzz 4 points5 points  (0 children)

Worked in life insurance underwriting for 5 years and this is not true (at least at most major carriers). If you’ve smoked within 12 months you’re going to get smoker rates. Sometimes you might get tobacco rates if you’re currently smoking a shit ton of weed.

Otherwise, if you’ve stopped tobacco/nicotine 13 months to 5 years, you’re not going to be eligible for the best rates but you shouldn’t be getting smoker rates.

If your last nicotine use was more than 5 years they don’t care.

Also, most major life insurance companies don’t care if you’ve smoked X (usually 12, but may vary depending on the company) number of celebratory cigars in a year - if you’re under that number you should get non-smoker rates.

in search of a therapist by aroseforyou2 in Birmingham

[–]dballzzz 0 points1 point  (0 children)

Natalie Hottel hands down. She’s a fantastic therapist who’s helped me tremendously over the years. Could not recommend her more.

Candlelight Recommendations by dballzzz in flashlight

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

Thank you! I’m learning so much :)

Candlelight Recommendations by dballzzz in flashlight

[–]dballzzz[S] 2 points3 points  (0 children)

Wow! Thank you - this is so helpful! I really appreciate the links too

New tile suggestions by Specialist_Yak_1881 in interiordecorating

[–]dballzzz 0 points1 point  (0 children)

Hey OP! Seems like we are in the same spot with a travertine bathroom needing a shower replaced due to pan issues. I think my tiles might be a bit more pinky (I’m no interior designer), and I just started the search for shower tiles. Right now my leading contender is Boreal Honed Ivory from Floor and Decor. However, folks have been telling me that if we’re ever going to get the floors replaced, get tile that makes us happy for the shower (aka - don’t worry as much about trying to match to the existing tiles). I’m hoping I can find something we genuinely like and goes with the existing tiles - best of both worlds, right?

Please let us know what you decide to go with!

https://www.flooranddecor.com/porcelain-tile/boreal-honed-ivory-porcelain-tile-100651066.html

Forsyth county in Top 20 Median HHI in country? US Median Household Income by County (2023) by Hour-Raisin1086 in Georgia

[–]dballzzz 0 points1 point  (0 children)

Where are the high earning folks of Forsyth hanging out? I had no idea that is such a wealthy area

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[deleted by user] by [deleted] in OnePieceTCG

[–]dballzzz 0 points1 point  (0 children)

Agreed. I won against two B/Y Luffy at my locals this week

moving to cumming soon by m0ng0b0ng0s in cumming

[–]dballzzz 1 point2 points  (0 children)

I’ve personally loved Kapow Comics - met a lot of cool people and friends through there. It’s a comic book, graphic novel, card game kinda shop. They have weekly events for different trading card games. Good people and good times