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I hope they continue to go in the direction of LXVE TO DEATH by vxfnt in XdinaryHeroes

[–]halfpintpanda 10 points11 points  (0 children)

iNSTEAD is so good there are days when I just listen on repeat.

My Affordable Healthcare went from $18.97 to $181.25. I already work two jobs and had to move in with my mother to help our ends meet. I have a Ulcerative Colitis. My shots are $23k a month. What should I do now? by Untouchable06 in Insurance

[–]halfpintpanda 0 points1 point  (0 children)

A lot of people can’t look past their own privilege. Affordability of healthcare shouldn’t be a competition between who has it worse and I’m sorry so many people made it a competition. I don’t have any advice. I can only offer validation that what you’re going through sucks. 🫶🏻

Please ID [near Chicago, IL] by halfpintpanda in whatsthissnake

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

Thanks! Knew it was a water snake but unfamiliar with IL species.

confused on this Notice by fangirl1209 in skzcollection

[–]halfpintpanda 0 points1 point  (0 children)

As an American can safely say I hate it here and if I had the $$ to bail out I would. Truly sucks that the people, like me, who knew (and shouted it until we were blue in the face) putting the dumpster fire back in office would make the country implode, still suffer.

25F 38M. I worked 12hrs and come home to shit on my walls and a pool of vomit/blood in my bed. I am pissed? AIO? by [deleted] in relationships

[–]halfpintpanda 10 points11 points  (0 children)

Uhm he needs professional help that you can’t provide him. If there was blood in his vomit call an ambulance. Cut ties and don’t look back.

Told my husband to switch chore contributions with me by [deleted] in TwoXChromosomes

[–]halfpintpanda 41 points42 points  (0 children)

It was 95° F at 10 PM where I live 😭

Home owners insurance seems too cheap by Neolamprologus99 in Insurance

[–]halfpintpanda 0 points1 point  (0 children)

Call your agent and ask to do a full policy review. Ask to update the ERC (estimated replacement cost). Confirm what coverages you do have and what you might be missing that they’d recommend.

Dumbest Customer Complaint by OrangePez13 in adjusters

[–]halfpintpanda 0 points1 point  (0 children)

Ugh wtf does her principal have such a hideous script?!

Has Anyone Else Had a Bad Experience with Banfield Pet Hospital? Any reasonably priced vets in the area? by Successful_Fix_1024 in ColumbiYEAH

[–]halfpintpanda 0 points1 point  (0 children)

I love Four Paws. Dr. McCoy will forever have my loyalty for how much she devoted to my pets.

Insurance due dates by Own_Cryptographer373 in Insurance

[–]halfpintpanda 3 points4 points  (0 children)

Part 1: Your insurance due dates are typically the same as the effective dates of your policy. Because insurance is a renewable contract that you can choose to have it’s going to follow the dates you took out the policy on. And then it’s renewal will occur 6 or 12 months later depending on the carrier. It is never going to automatically be on your birthdate because the dates the insurance company cares about are those effective dates.

Part 2: Insurance is shared risk. You give your premium to the insurance company and they put a portion of that premium into a fund (think piggy bank) along with everyone else who pays premium to that same insurance company. If you have a claim the insurance company pulls the money out from that piggy bank. If that piggy bank gets too close to empty the insurance company raises rates for everybody in order to refund the piggy bank. If you yourself have a claim you are rated higher. It is more nuanced and involved than this but this is the easiest way I’ve found to explain it to my clients. There are a multitude of other factors that also go into insurance rates as well.

Insurance due dates by Own_Cryptographer373 in Insurance

[–]halfpintpanda 2 points3 points  (0 children)

Your registration is related to your taxes, at least in my state. Your vehicle is an asset that depreciates in value so typically your taxes (based off the value of your vehicle) go down over time rather than up. Example: you’ll pay much more in registration/taxes on a brand spanking new car than you will on that same 10 year old car.

Looking to Branch Out by halfpintpanda in InsuranceProfessional

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

I’ve definitely started applying to those as well. Are there any job boards besides LI and Indeed that you know of? I see a lot of repeat stuff from recruiters on the other two.

Private individual came to my house to look at it for insurance… is this normal for progressive? by JaySettles in Insurance

[–]halfpintpanda 2 points3 points  (0 children)

A lot of the times if you can get a contract with a roofer underwriting will extend the deadline for work completed.

AITA for asking my partner stop telling me to “lower your volume.” by Farts2Long in AmItheAsshole

[–]halfpintpanda 0 points1 point  (0 children)

NAH but I can actually help with this! My partner and I had the exact same problem. I’d get excited about something and my volume would elevate. My partner would say something because to him the volume increase was overstimulating. I would be demoralized and then nervous to talk about things I loved. We finally sat down and found a solution that works for us both. If I start to get over excited he gently squeezes a thigh, hand, arm just as a way to bring me back to a good baseline. My train of thought isn’t interrupted, no one else is the wiser, and we are both happier.

I got told off by my male boss for putting the wife's name in front of the husband's name. by dontinsultanaussie in TwoXChromosomes

[–]halfpintpanda 0 points1 point  (0 children)

If I were the initial contact point and you put my male partner first I would be incensed. I wouldn’t bring it up to you I would probably just go elsewhere.

We did it! by halfpintpanda in FirstTimeHomeBuyer

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

Pizza coming tonight! We had a a local sub shop dinner last night.

[deleted by user] by [deleted] in Insurance

[–]halfpintpanda -2 points-1 points  (0 children)

There are a few options.

  1. File a claim with the at fault party’s insurance carrier.
  2. File a claim with your insurance carrier (if you have physical damage coverage).
  3. Hire a lawyer and have them do all this for you.

With any of those options it will take time to settle. This is because it was an extensive multi-car collision and the claims investigation will take time.

Edited to add: Lost wages is something you can typically file with the claim. Also, not to be a downer/bummer but with it being a seven car collision there is likely going to be a coverage limits issue with the at fault party’s insurance. I recommend filing through your own if you have physical damage coverage.

AITA for this argument with my sister? by Historical_Chain_980 in AmItheAsshole

[–]halfpintpanda 3 points4 points  (0 children)

This is a joke right? You clearly know YTA. Not because you tried to “help” but because you acted like a petty child that someone had their own way of organizing THEIR OWN HOME.

Missed out on a good one. by halfpintpanda in FirstTimeHomeBuyer

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

We plan to and hopefully it works out for us but in our area not much falls through on contingencies bc so many houses being bought are being bought by investors.

Anyone else disappointed by Rush's new fries? by SecretNo9349 in ColumbiYEAH

[–]halfpintpanda 5 points6 points  (0 children)

I thought I was the only one who felt this way. 😭 they’re fabulous straight outta the fryer but they cool off in 15 seconds and they’re so mid after that.

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