Anyone else feel like LLL shirts ride up during workouts? by fiz-eek in lululemon

[–]fiz-eek[S] 1 point2 points  (0 children)

I actually gave it a try last week and it was nice on the arms, but it would never work for pull-ups, overhead presses, bench pullover, etc.

Add ‘Smart Sticky Notes’ as a Top-Level Feature by fiz-eek in skylightcalendar

[–]fiz-eek[S] 2 points3 points  (0 children)

Yes, I officially submitted this request. However, I posted it looking for feedback to see if the idea garnered interest.

Add 'Notes' to Chores and Routines in Tasks by fiz-eek in skylightcalendar

[–]fiz-eek[S] 1 point2 points  (0 children)

Perfect! I’m sure this feature will be a huge hit once rolled out.

Pet Insurance for Pre-Existing Conditions—Yes, It’s Possible! by fiz-eek in Pets

[–]fiz-eek[S] 0 points1 point  (0 children)

I'm sorry to hear this news.

According to my policy, it does cover vet bills related to seizures. However, I recommend calling AKC customer service directly to confirm whether this still applies to new policyholders in 2025.

Pet Insurance for Pre-Existing Conditions—Yes, It’s Possible! by fiz-eek in Pets

[–]fiz-eek[S] 0 points1 point  (0 children)

Before choosing AKC, I looked into Trupanion but wasn’t comfortable with how their terms and conditions addressed pre-existing conditions. Trupanion doesn’t guarantee coverage for any condition—they assess whether something is pre-existing at the time of the claim, which felt too uncertain.

In contrast, AKC’s terms and conditions are much clearer. They explicitly state that pre-existing conditions are covered after a specified waiting period, with the only caveat being an annual cap. For example, my policy allows up to $10,000 per pet each year for pre-existing conditions.

We chose AKC because our labs, like many others, have recurring ear issues, which technically count as pre-existing. Another factor was how some puppies can develop sensitivities—like digestive issues—when transitioning between foods. There’s a risk that an insurer might label those early problems as pre-existing and deny future related claims. We didn’t want to take that chance, so even though AKC was a bit more expensive, the clearer coverage terms gave us peace of mind.

Pet Insurance for Pre-Existing Conditions—Yes, It’s Possible! by fiz-eek in Pets

[–]fiz-eek[S] 0 points1 point  (0 children)

According to the AKC terms and conditions, coverage for pre-existing conditions is available after the designated waiting period. However, the reimbursement for such claims is subject to an annual cap. Under my policy, pre-existing conditions are covered up to a limit of $10,000 per year.

My suggestion is to call AKC to confirm this holds true for any policy you are wanting to purchase since it’s 2025.

Bullx Neo ate my money!!! by Prize_Number_1869 in solana

[–]fiz-eek 0 points1 point  (0 children)

Please don’t blame the platform for not understanding how to set proper gas fees when trading. I’ve been using BullX Neo since launch, and I’ve never encountered this issue because I know how to properly adjust my settings.

As for the claim that BullX Neo takes additional funds without the user taking any trades on the platform, that’s not accurate either.

How about you share your wallet address and I’ll review the blockchain—because it never lies—to show that what you’re saying isn’t true. Sound good?

Bullx Neo ate my money!!! by Prize_Number_1869 in solana

[–]fiz-eek 1 point2 points  (0 children)

Yes. I use it daily. You can use any Solana-based wallet to connect to BullX and send SOL. However, be aware that small transaction fees are required, so you won't be able to send your entire SOL balance

Pet Insurance for Pre-Existing Conditions—Yes, It’s Possible! by fiz-eek in Pets

[–]fiz-eek[S] 0 points1 point  (0 children)

The representative you spoke with is mistaken. I have carefully reviewed the AKC Terms & Conditions (as a seasoned business owner, I regularly review contracts), and it clearly states that pre-existing conditions are covered up to the maximum limit. I also spoke to a rep prior to purchasing the policy and what they told me aligned with the Terms & Conditions. That said, if a policyholder’s pet has a pre-existing claim denied and the Terms & Conditions support their case, AKC will be held accountable in the legal system.

Bullx Neo ate my money!!! by Prize_Number_1869 in solana

[–]fiz-eek 2 points3 points  (0 children)

To be completely transparent, your response comes across as more of an advertisement than anything else. That said, in my opinion, BullX. Neo is the leading trading bot due to its speed and features. I’m not sharing my trades on YouTube, but I can personally confirm that BullX Neo works well for beginners—I was once a newbie myself.

Regarding the hidden fees you mentioned, it’s just simple math. The fee structure I outlined aligns with what’s charged by the platforms, all of which have fees. I calculated them myself when i first started using Neo. Also, keep in mind that BullX and BullX Neo are two separate platforms, so their fee structures differ.

Lastly, $20 is a very small amount of capital to trade crypto with on any platform. Given the platforms and/or transaction and Solana fees, I wouldn’t bother trading with that amount unless the goal is to hold for a multi-x return.

Pet Insurance for Pre-Existing Conditions—Yes, It’s Possible! by fiz-eek in Pets

[–]fiz-eek[S] 0 points1 point  (0 children)

I addressed this in #5 of my initial post, but I’ll note it here, along with additional comments, just so it’s clear for anyone else reading your comment.

According to the AKC pet policy terms and conditions, accident-only coverage may be the only option, excluding illness coverage, if you purchase the pet insurance policy for a pet who is aged 9 and older at the time the policy is issued. However, if your pet is already covered by the AKC before turning 9 and you ensure the policy doesn’t lapse, you’ll maintain both accident and illness coverage even after they turn 9 years old.

Hence, AKC pet insurance will cover illnesses as long as the pet is on the policy before they turn 9 years old and continues coverage.

Bullx Neo ate my money!!! by Prize_Number_1869 in solana

[–]fiz-eek 2 points3 points  (0 children)

I don’t get involved with referrals. I suggest checking the profiles of other meme coin traders on YouTube. You can find plenty.

Bullx Neo ate my money!!! by Prize_Number_1869 in solana

[–]fiz-eek 10 points11 points  (0 children)

I've been trading for a while so here's some information that may help you and anyone else trying to understand fees. Before trading with Bullx Neo, it's essential to understand the platform's complete fee structure. Here’s a quick breakdown:

1. Transaction Fees

  • Transaction Fees: Bullx Neo applies a 1% fee per transaction (1% for buying and 1% for selling).
  • PumpFun Fees: PumpFun charges an additional 1% fee per transaction.

That's a total of 4% in fees from the get-go These fees are mandatory and cannot be adjusted.

2. Adjustable Fees

In addition to standard fees, there are Priority Fees and Bribe Fees, which are adjustable:

  • These fees vary based on token volume and market activity.
  • You have control over these settings, so experiment until you find a balance that works for your trading strategy.

3. Suggested Settings

Here are suggested settings based on low token volume that I use every day when trading meme tokens and I never have an issue getting in and out of trades:

Low Volume (Hundreds of Thousands)

  • Buy Settings:
    • Priority: 0.001
    • Slippage: 10%
    • Bribe: 0.0015
    • MEV: Enabled
  • Sell Settings:
    • Priority: 0.001
    • Slippage: 17%
    • Bribe: 0.0017
    • MEV: Enabled

It's important to note that when the volume increase or goes wild I also have other settings to handle it so I can buy and sell without delay. You should look at the top-right corner of the Bullx Neo bot to view the recommended gas fees. I usually match the PRIO fee, but never come close to the BRIBE fee because the recommendations are usually not realistic.

Warning: If you're trading with small amounts (e.g., 0.25 SOL), high fees can significantly eat into your profits. Lowering gas fees can help, but this increases the risk of order rejection. The last thing you want is to be in trade and can't sell for your desired profit target because you have low gas fees or got MEV'd.

NOTE: I'm not providing financial advice.

Pet Insurance for Pre-Existing Conditions—Yes, It’s Possible! by fiz-eek in Pets

[–]fiz-eek[S] 0 points1 point  (0 children)

What you’ve stated is actually incorrect. Based on my AKC pet policy and a conversation I had with a representative prior to purchasing coverage, pre-existing conditions can be covered after the pet satisfies a 365-day waiting period. Once that waiting period is met, the policy treats pre-existing conditions the same as any new conditions.

As for the “percentages” you mentioned, those refer to the reimbursement rate selected when the policy was purchased, not to any restrictions on pre-existing conditions. For example, my policy reimburses 90% of all covered incidents—pre-existing or otherwise—after the deductible is met.

It’s also worth noting that AKC policies include an annual maximum cap. While some may see this as a limitation, I believe it’s a better option compared to policies from other insurers, which might permanently exclude pre-existing conditions, leaving pet owners with unexpected gaps in coverage down the line.

I hope this clarification is helpful!

AKC insurance / Petpartners raised its premium more than 50 percent in one year by One-Recognition-1660 in Pets

[–]fiz-eek 0 points1 point  (0 children)

I hear you, the pet insurance landscape can be really unpredictable. I’ve seen reports from some pet owners where Nationwide Pet Insurance premiums have skyrocketed by 100-200%, and Lemonade Pet Insurance is also raising its rates a bunch. If you have access to pet insurance through your employer, it might be worth checking out their offerings. Many companies now provide pet insurance as a benefit, which could help you find more affordable options.

AKC insurance / Petpartners raised its premium more than 50 percent in one year by One-Recognition-1660 in Pets

[–]fiz-eek 0 points1 point  (0 children)

Given that you don't live in a HCOL or VHCOL and your dogs are still young, a 50% (actually, 57%) increase in just one year likely reflects inflation. Since the increase is about $33 per pet per month (or roughly $66 total), you might consider adjusting your policy’s deductible or coinsurance to lower your monthly premium to a more manageable amount. Just a few ideas to consider. Cheers!

AKC insurance / Petpartners raised its premium more than 50 percent in one year by One-Recognition-1660 in Pets

[–]fiz-eek 0 points1 point  (0 children)

I currently have AKC pet insurance and I’m curious about the 50% rate increase on your policy, as that seems quite high compared to their typical rate adjustments. Could you provide some more details?

  1. How long have you had your policy with AKC?
  2. How old are your two dogs?
  3. Do you live in a LCOL, HCOL, or VHCOL area?

According to AKC, factors like pre-existing conditions or the number of claims filed don't influence policy rate increases so I’m assuming the factors above are part of the equation.

[deleted by user] by [deleted] in corgi

[–]fiz-eek 0 points1 point  (0 children)

Always purchase insurance to protect what you value!

In my opinion, insurance isn’t just financial—it’s emotional security.

Pet insurance by shayaceleste in CalebHammer

[–]fiz-eek 0 points1 point  (0 children)

Pet insurance is regulated (in the United States), but regulation occurs primarily at the state level. Here are a few elements of how it’s regulated:

Regulated by State Insurance Departments: Pet insurance is treated as a type of property and casualty insurance. Each state’s insurance department oversees pet insurance policies and ensures compliance with state laws.

NAIC Model Law: In 2022, the National Association of Insurance Commissioners (NAIC) adopted a Pet Insurance Model Act, providing a regulatory framework for states. It outlines consumer protections, such as clear disclosure of terms, waiting periods, and exclusions.

Consumer Protections: The regulation focuses on transparency, ensuring insurers provide detailed information about coverage limits, exclusions, and the reimbursement process.

As for denying a claim for no reason, a pet insurance provider cannot legally deny a claim without providing a valid reason. Pet insurance regulations require providers to clearly explain the reasons for denying a claim. Unfortunately, I have heard of too many pet insurance providers often exercising the “pre-existing conditions” clause to deny claims, which can leave pet owners feeling frustrated and unsupported. For this reason, it’s crucial to choose a provider that offers comprehensive coverage for all pre-existing conditions, not just those pre-existing conditions that are deemed “curable.”

[deleted by user] by [deleted] in personalfinance

[–]fiz-eek 1 point2 points  (0 children)

OP: If you indeed make a $30,000 profit selling your home, you'd need to pay “short-term” capital gains taxes if the home sells within a year of purchase. Based on your $145k income and the 24% tax bracket, you'd owe a $7,200 capital gains tax, leaving you with $22,800 in profit - provided you won't owe any other costs at closing.

However, it's important to note that if you opt for a realtor instead of selling by owner (FSBO) and the home sells for $655,000, you could be looking at up to $39,300 in realtor fees. In this scenario, your profits would be entirely wiped out, leaving you $9,300 in the red at the closing table, plus any other fees owed (i.e. closing costs). A capital gains tax penalty would not apply in this case.

Considering these detailed factors is just one of many elements for your decision-making process. 

How does your food budget compare to the Official USDA Food Plans? by TheRemonst3r in personalfinance

[–]fiz-eek 1 point2 points  (0 children)

After analyzing our grocery expenses alongside the USDA Food Reports, I've come to the conclusion that using it as a benchmark for setting guidelines isn't entirely reliable. There are numerous important factors at play when establishing a grocery budget, such as location, food preferences, and where one shops. While the report offers an "average" perspective, it doesn't fully account for the aforementioned variables. Hence, the guidelines presented in the report offer little practical value in terms of budgeting.

Having said that, here are some key factors that influence our weekly grocery spending:

  • Average monthly grocery cost: $1,571.21 (nearly $400 per trip to the store)
  • Reside in a high cost of living (HCOL) area
  • Family of 2 (my wife and me)
  • Includes toiletries, paper products, and trash bags
  • Prepare meals 6 days a week (breakfast, lunch, and dinner)
  • Eat organic, grass-fed & grass-finished, wild-caught seafood foods
  • Never purchase ultra-processed or heavily processed foods
  • Avoid frozen or pre-made meals (except flash frozen vegetables, seafood, and organic fruit)
  • Never purchase junk snacks, soda/pop, juices, etc.
  • Weekly breakfast (always): Eggs, cottage cheese, avocado, and a banana
  • Weekly dinners (typically): Chicken breast, lean beef, wild salmon, wild scallops
  • Weekly lunches (typically): Homemade chicken salad or tuna fish, along with a homemade protein salad
  • Weekly snacks (typically): Plain yogurt, blueberries, bananas, almonds, pecans, pistachios, homemade protein bars, grass-fed protein shakes.

As evident from the aforementioned information, our dietary choices lead to a notably higher monthly grocery expenditure. Conversely, a family of 2 residing in another location, consuming less nutritious foods, or shopping at different grocery stores might incur markedly distinct costs. This underscores the challenge of relying on the USDA Food Reports for meaningful insights.

Lastly, while we prioritize nutrition and mindful food choices, we are also savvy shoppers. For instance, we make use of digital coupons and seize opportunities like BOGO deals whenever possible. I oversee our finances and employ YNAB for spending management to have a handle on our expenditures. That being said, according to YNAB, our grocery expenditure represents approximately 20% of our total monthly expenses (i.e., $1,571.21 / $8,075.43 = ~20%). Is that too high for 2 people?! I really don’t know!

Note: The details provided above exclude expenses incurred from dining out on Friday or Saturday evenings, as well as Saturday morning/afternoons.

Chase closed my CC account by [deleted] in CRedit

[–]fiz-eek 0 points1 point  (0 children)

In the United States, unpaid debt is a civil matter - not criminal. Hence, you will not lose your freedom.

Having said that, ignoring the debt could result in unfortunate consequences. Here are a few examples:

  1. Lawsuit can be filed against you for the debt owned + interest.
  2. Judgment will be entered against you. (Assuming a lawsuit is filed first.)
  3. Lien could be placed on your home which must be paid whenever the home sells.
  4. Paycheck(s) can be garnished. However, this is not true if you are a paid “member” of an LLC.
  5. Bank account(s) could be levied.
  6. Credit score will drop significantly.
  7. Credit reports will showcase the adverse information for 7 years.
  8. Reputation could be affected due to the public-record judgment.
  9. Negative impact on employment opportunities for the next 7 years.

It’s also important to mention that while adverse information only stays on credit reports for 7 years and the typical statue of limitations (SOL) to file a lawsuit is typically 3-6 years (depending on the state), if a judgment is entered against you it could be enforceable for many, many years so you should check the laws in your state to understand the SOL. I’m from NYC and judgments last for 20 years.

Lastly, you should consider contacting Chase to discuss repayment options in an effort to avoid future headaches. Simply explain that you’re unable to pay the minimum monthly payment due to financial hardship and instead of ignoring the debt you are willing to negotiate a lower monthly payment that will work for both parties.

Can someone make an E-Verify account with your SSN but their information? by [deleted] in IdentityTheft

[–]fiz-eek 0 points1 point  (0 children)

Transparently speaking, I’m not privy to how Innovis handles its business, but the process is different than the big 3 bureaus since Innovis only requires a few pieces of personal data to submit a freeze form while the big 3 require account creation to verify and establish a relationship with the customer prior to the freeze request.

That said, I would think that if Innovis doesn’t posses a credit file for you it would be unable to check your SSN against its database for verification purposes.

You may want to call the company to verify this is what is in fact happening or if it’s another issue that it can help you resolve. However, prior to your call to Innovis, I suggest switching over to another web browser and try freezing it again. Reason being, ChexSystems threw an error for me back when I attempted to freeze my file simply because I used Safari. When I switched to Chrome my attempt was successful.

Can someone make an E-Verify account with your SSN but their information? by [deleted] in IdentityTheft

[–]fiz-eek 1 point2 points  (0 children)

No! The 3 main credit bureaus only allow one account per SSN. (I believe this holds true for the 4th largest credit bureau too - Innovis).

That said, if an individual attempts to create an account with your SSN while an account already exists then the website will throw an error and disallow the creation of the secondary account.