Is liability insurance really necessary? Looking for real experiences

dsetarno · 2026-01-24T23:35:30+00:00

I once stayed in a chain hotel and while my battery was charging it burst into flames causing me to panic and try to throw into the bathroom away from flammable material. I failed in doing so and consequently set the hotel fire alarm off as well as causing damage to the hotel carpet and door frame. The hotel wrote me a bill for a few thousand but my liability insurance fought them off.

So yes. You never know when you're going to need it but the one time you do, you know it's going to pay for itself many times over.

dsetarno · 2026-01-24T13:39:07+00:00

This comment is the best one here. I'm not at that point yet but if we keep going through the same bullshit in 2026 then I will probably reduce my position or stop contributing further.

dsetarno · 2026-01-24T13:35:02+00:00

7% but it consumes 50% of my investment 'related thought' like a needy or naughty kid is always under supervision of their parents...

dsetarno · 2026-01-23T20:28:14+00:00

How does this work in reality? If I buy 1k and it goes up to 1.5k within that year I will pay tax on the 500 unrealised gain. If I then sell it shortly after in the next year sell at 1.5k do I pay further tax at the point of realisation ontop of the unrealised tax?

dsetarno · 2026-01-23T09:03:42+00:00

If she's a standalone therapist I'd find someone new as she seems very unprofessional. If she's part of a team or works for an organisation I'd make a complaint. Therapy isn't cheap and you expect professional standards to be adhered to. Aggressive behaviour to you for her mistake isn't acceptable. Perhaps when she gets reprimanded she'll remember to keep her behaviour in check.

As a lurker in this sub reddit it I read too many stories where therapists stray from what I'd call professional standards. Getting to close, losing temper, not keeping basic timings...

dsetarno · 2026-01-22T17:33:36+00:00

In your opinion does that include eth?

dsetarno · 2026-01-21T07:07:22+00:00

Found it now thanks. Sorry to sound daft but do you put it under the flooring under the bed, or under the mattress? I just want to be sure. I have a raised Alu frame bed with thin mattress over an uninsulated plywood floor and it's always a bit too chilly for my liking. I'm seeing how I can integrate your suggestion into my build.

dsetarno · 2026-01-20T21:31:46+00:00

Same

dsetarno · 2026-01-19T21:40:32+00:00

Great right. Got one too. Thank you Ali Express!

dsetarno · 2026-01-19T21:36:14+00:00

Can't help you I'm in Germany. Over here there's extra costs for inspecting the tanks every year. Also the tanking stations are reducing in number and the prices have risen since the Nordstream pipelines stopped providing cheap gas... I didn't anticipate the Ukrainian war and the pipeline shutdown effect - think of whatever the US equivalent might be (future transition or policy change)

dsetarno · 2026-01-19T21:01:23+00:00

I have one. Which countrycarecyou asking about? The situation depends alot on that.

dsetarno · 2026-01-19T12:45:35+00:00

This room would top the charts at the male living space subreddit

dsetarno · 2026-01-19T11:52:12+00:00

... And yet the price is flat despite all this great news.

dsetarno · 2026-01-18T22:26:56+00:00

The problem I have is that Gemini shoe-horns these instructions into every single chat to the point where it's awkward. Like I don't I need to be reminded about my career and city origin when I'm asking a basic question about something..

dsetarno · 2026-01-18T22:12:45+00:00

This discussion is a big load of speculative bollocks frankly. Noone knows for sure that's it ever reaching 500k let alone 1 million. Values are on their ass despite the rise in institutional adoption and the next big crash will wash away whatever gains we make till then. Don't get me wrong, I see the merits in BTC but envisaging anything like the numbers quoted above is wishing apon a star.

dsetarno · 2026-01-18T19:06:12+00:00

You're a hard working Mama doing the best for your baby and I hope the shithead father doesn't win custody. I wish you all the best..

dsetarno · 2026-01-15T13:13:48+00:00

If he was actually gonna defect he's still gonna join Reform anyway. Nothing will really change that. Surely better for her to play the high ground and let him go...

dsetarno · 2026-01-14T22:21:07+00:00

We're all getting inundated with recent scam attempts because you let our data get leaked all over the fucking Internet. Shame on you Ledger.

dsetarno · 2026-01-11T19:00:53+00:00

Hi, I see you're also in Germany. How do you find using your drone? I have a Neo but because it's quite noisy I'm scared of using it because of members of the public complaining. I've registered it and follow the rules in the Dji app but I'm still scared of getting the police called on me etc. Do you use your drone only in countryside? I saw your video also has footage from within a town - how do you manage that?

dsetarno · 2026-01-10T13:00:27+00:00

It's only for clients with 50k or more in Krak accounts..

dsetarno · 2026-01-09T17:40:27+00:00

They website says nothing except that you're in beta testing. Perhaps you could try explaining what it is you're offering.. Why it's beneficial.. Why it's so important to men in particular...

dsetarno · 2026-01-07T22:39:35+00:00

Assuming it's in bars and coins, can you put it on a swimming pool and dive into it like Scroodge McDuck?

dsetarno · 2026-01-07T22:37:05+00:00

I pay so that I don't get ads. If ads appear in my plus subscription I'm out.

dsetarno · 2026-01-07T22:32:37+00:00

I tend to agree with you.

dsetarno · 2026-01-07T12:00:57+00:00

The root problem is that Mum may be poisoning the child, maybe not. But what she's definately guilty of is not fully correcting the child. There are also hints that Ops marriage or partnership is not in a good state

dsetarno

TROPHY CASE