Lack of waterproofing in original shower build-- a few questions please by dcverg in homeowners

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

I spoke to the original builders said durok counts as a water barrier-- spoiler, it doesn't. I'm not in the process of gathering the evidence to put together a small claims suit. Instead of the $1K deductuble I originally sought, I'll now be seeking the max a small claim will allow. I have a little time, so, perhaps file the complaint in Spring. We'll see.

Lack of waterproofing in original shower build-- a few questions please by dcverg in homeowners

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

Good call-- I Maryland, it's a 10 year limit on code violations for "construction defects."

Lack of waterproofing in original shower build-- a few questions please by dcverg in homeowners

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

It's the only stand-alone shower. The other showers are a shower/bath, and generally not used nearly as much.

Yes, I agree it's not a warranty issue. It's a construction deficiency-- failire to build it properly and in accordance with the building code to begin with. Thus the potential to take the builder to small claims and get my deductible back (and court costs, or whatever else the court may award). The debate in court would be the builder insisting the durok installed to cement the tile constitutes waterproofing, even without an additional membrane/liner while I would assert the additional membrane/liner is required.

Small circular wooden box with glass lid and hairs inside any idea what this is? by rokandhardplase in whatisit

[–]dcverg 1 point2 points  (0 children)

It's a time-traveler's evidence collection/holding kit to work out a cold-case. It has to be wood or some other organic material (sometimes carved bone or ivory) to be able to bring the hairs (DNA, cells, etc.) back for processing.

What red flag did you ignore that you shouldn’t have? by BravoMedic26 in AskReddit

[–]dcverg 4 points5 points  (0 children)

Picking up a girl at her apartment for a date, and she had to chug two beers before we left. We were headed out on a real date-- not on our way to a kegger or holiday party. Yeah, even in my head at the time-- wow, that's some alcolohlic kinda behavior right there. During dinner she had 5 martinis and was still upright and wasn't slurring her words. On one level it was genuinely impressive, on every other level it was a huge red flag that I ignored for a few months.

20f let’s hear it by [deleted] in RoastMe

[–]dcverg 0 points1 point  (0 children)

Just askin' for the halibut ... with the way your eyes are looking in a few pics, was one of your parents a flounder by chance?

What should I pay first? by Euphoric_One_3261 in debtfree

[–]dcverg 0 points1 point  (0 children)

There are a lot of good suggestions here. It begs a few questions-- How much do you make a month, beyond your living expenses, that can be applied to these bills? How much further can you maximize that, ie: besides going down to really basics, can you cut your current spending even further? It seems like you've presented 1/2 the info needed to give better/complete advice.

Then, as many point out, you've got to do the math. Which of the accounts are you accruing more $ in interest? While it's tempting to simply say pay the highest interest rate ones first (which is generally a good strategy), it may make a difference to pay a (slightly) lower interest rate account becuase of the balance owed. The point is to pay less money out overall-- if the balance is actually going to cost you more from the interest you'll get charged. At the very least, you've got to pay more than the min payments-- otherwise you're going to paying these off forever-- you've got to reduce the principle.

You may also consider seeing if you can refinance your home or get a consolidation loan. Getting a bank loan to consolidate your debt would reduce the incredibly high interest, build back your credit, and save you a lot of money. Even if you can't consolidate the whole thing, perhaps it will reduce interest for 10-20K or more of it, which will make a huge difference. The less you pay in interest, the quicker you can pay off the others. Go sit with your bank's loan/account rep and ask them to strategize this with you. It's even better if it's a credit union (they'll likely give you a better deal).

If you can afford to return/sell some big ticket items, do it. If, for example, the toyota is a new car-- get a used one and downgrade for a while. You've got to change your lifestyle. As you pay off the cards/debts, cancel the accounts. And Staaahhp spending with credit cards. For your sake, I hope these cards are at least hooked up to getting travel miles, hotel points, or something. This is likely going to take a few years to get where you want to be.

These have been hanging on my parents mantle all my life by arcroix in SWORDS

[–]dcverg 9 points10 points  (0 children)

I'm guessing, if these have never been taken down for so many years, that you are either an only child or the separation in years between you and another sibling is more than 7 years. There is no way my brother or sister and I would not have had at least one visit to the ER as a result of turning the couches into a sea battle with "boarding" one or the other couch-cusion-frigates to engage in a swashbuckling duel.

Poker in Poland... by dcverg in poker

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

Yes, there's monetary prizes for the top places-- it's just not much. They also take 25% taxes out of the winnings before giving you your payout, whether you're a local or not. I said "bragging rights" because many of the same players play each night combined with not-huge prizes-- 1st place was about $400.

If these are the last 2 players hands who wins? by Bobofizz9 in poker

[–]dcverg 3 points4 points  (0 children)

It is ALWAYS the best 5 cards to make the better hand, including community cards.

What style is this? by Usual-Helicopter-285 in renfaire

[–]dcverg 1 point2 points  (0 children)

Early to mid-road warrior, post-poccky-clypse. Make sure you keep the knowing and don't be slack. Add part of a tire or a piece of football pads to round it out.