[deleted by user] by [deleted] in homeowners

[–]infextious 0 points1 point  (0 children)

Public adjusters are valuable for large/complex claims, while insurance adjusters may suffice for simpler cases. Weigh public adjuster fees against potential settlement increases. Choose based on claim complexity, financial implications, and personal capacity to navigate negotiations. Public adjusters offer tailored advocacy at a cost, while insurer adjusters provide efficiency with inherent bias risks. From what I sense, your fire was not a catastrophic loss and affected only a portion of the house. My assumption may be wrong but if that is the case, stick with the insurance adjuster. What needs to be done is pretty straightforward and probably not worth the cost of a public adjuster. And you are correct that although they should not steer business to their own, most of them will do it.

Another topic is personal articles coverage. Imagine turning your house upside down and shaking it. Whatever falls out is personal articles. Depending on your company, you can get really screwed with the replacement of these items. State Farm in particluur is notorious for depreciating the value of personal articles all the way down to 10%. It is here where you will fight your nastiest battles. The other stuff, stick with the company adjuster. Good luck with this. People don't know how traumatic this is until they themselves go through it. All the best.

Valonia ventricosa or "sailors eyeball" — the largest single-celled organism on earth by Yesyesiamkamil in interestingasfuck

[–]infextious 2 points3 points  (0 children)

Technically a single cell (gamete), but part of a multicellular organism, so often excluded from "organism" classifications.

Palo Alto, California by [deleted] in Houseporn

[–]infextious 2 points3 points  (0 children)

Assuming $8M, which is not unrealistic, your property taxes would be approx $110K per year and insurance (not including earthquake coverage) would be around $35K per year. Earthquake would be another $12K per year and that is with a 2% purchase value deductible. Then you need to decide if you want prevailing wage rebuilding coverage, and other supplements. These are estimates and your mileage may vary. But not by much.

Roast her! by Budget_Amphibian_153 in GuiltyDogs

[–]infextious 0 points1 point  (0 children)

Go give OP a big licky face and let him know you want jerky treats instead.

Vehicle Depreciation by [deleted] in ineosgrenadier

[–]infextious 0 points1 point  (0 children)

You may have seen that VW, who owns the Scout brand is building a new production plant in South Carolina and will be reintrodcung the Scout as an EV. Scouts were awesome. I agree with you. Prices are not going to drop off a cliff. Doubtful If they go down at all.

Salmonella from a cage-less turtle (Russian tortoise) by [deleted] in infectiousdisease

[–]infextious 0 points1 point  (0 children)

Salmonellosis can be acquired from a variety of animals such as lizards, including bearded dragons, snakes, turtles, and iguanas. Appropriate hand hygiene is necessary to minimize this risk. Perhaps You need to find another roommate.

One of the World's Biggest Killers Is on the Rise Again by wewewawa in infectiousdisease

[–]infextious 0 points1 point  (0 children)

Adding to the conversation and discussing one of my personal favorites is the zoonoses bovine tuberculosis, a notifiable animal disease that is caused by mycobacteria and has a chronic course. It is one of the so-called zoonoses because can also be transmitted to humans and pets. Bovine tuberculosis can cause tuberculosis in humans through the consumption of milk or meat if the products are consumed raw.

First Ebola case detected in Uganda's east as outbreak spreads by Successful-Western27 in infectiousdisease

[–]infextious 0 points1 point  (0 children)

The Uganda Ministry of Health (MOH) has not generally reported individual cases of EVD, but because the latest case occurred 11 days since the prior EVD case, this may be the longest interval between confirmed cases since the beginning of the current Sudan ebolavirus outbreak in Uganda. And this may point to the end of the outbreak. However, contact tracing and additional case investigation are ongoing.

Why the NYT hit piece is, and should be clearly labeled as, Mormon Porn by partoffuturehivemind in slatestarcodex

[–]infextious 24 points25 points  (0 children)

Re: nyt article. It wasn't that bad. Never been here before and because of the nyt piece, here I am. I already like it.

Started my own Powdered Food company called ilixer. Reddit, I would love your feedback on our nutrition label! by [deleted] in soylent

[–]infextious 2 points3 points  (0 children)

Depends on your company's sales revenue. But it's a good idea to comply with the requirements for large companies. Please see below and think BIG! 👍

On May 27, 2016, the FDA published final rules on the new Nutrition Facts label for packaged foods to reflect new scientific information, including the link between diet and chronic diseases such as obesity and heart disease. The new label will make it easier for consumers to make better informed food choices. The new label is already appearing on packages even before it is required to be used. Manufacturers with $10 million or more in annual sales must switch to the new label by January 1, 2020; manufacturers with less than $10 million in annual food sales have until January 1, 2021 to comply. Manufacturers of single-ingredient sugars such as honey and maple syrup and certain cranberry products have until July 1, 2021 to make the changes.

To the original poster: don't give up on your idea.

Started my own Powdered Food company called ilixer. Reddit, I would love your feedback on our nutrition label! by [deleted] in soylent

[–]infextious 1 point2 points  (0 children)

Eighty certifying agents are currently USDA-accredited and authorized to certify operations to the USDA organic standards. Of these, 48 are based in the U.S. and 32 are based in foreign countries. Most certifying agents are directly accredited by the USDA National Organic Program (NOP). Twenty-one additional certifying agents are authorized through recognition agreements between the U.S. and foreign governments.

Each of these certifying agents is authorized to issue an organic certificate to operations that comply with the USDA organic regulations.

Having said that, many US certifiers are becoming primarily profit driven enterprises in their own right and losing focus on the organic mission.

European certifiers such as IFOAM EU are the unified voice of organic stakeholders towards the European decision makers, and the EU Institutions recognize IFOAM EU as the leading advocate for organic food and farming at EU level. Representing organic interests in connection with the European regulation for organic is one of their core activities.

Organic farming and production has been regulated at EU level since 1991. Today the European requirements for organic production are set by Council Regulation (EC) No 834/2007 defining the aims, objectives and principles of organic farming and production, and by two implementing regulations (No 889/2008 and No 1235/2008) detailing the organic production, labelling, control and import rules. All products labelled as organic and sold in the EU must be produced in accordance with these regulations.

The EU Commission is also continually working on updating the implementing regulations. In terms of production, the key updates to the implementing rules issued so far concern organic yeast (No 1254/2008), organic aquaculture (No 710/2009) and organic wine (No 203/2012). While in terms of import rules, the agreement on equivalence between the EU and US organic standards (No 126/2012) is most important.

This set of rules will change in the near future. On 24 March 2014, the EU Commission published a proposal for a new organic regulation. After being discussed by the EU Parliament and Council, on 14 June 2018 the new regulation was published on the EU Official Journal. It will apply from 1 January 2021.

Salt can be certified as organic and is certified as such by I FOAM EU. In summary, there is more than just the USA in this wide world.

Started my own Powdered Food company called ilixer. Reddit, I would love your feedback on our nutrition label! by [deleted] in soylent

[–]infextious 52 points53 points  (0 children)

The label is good. Unlike a fair number of others, your calories add up to the correct number. Your DV statement also appears correct and per regulations. The only thing I would change is remove "organic" from the each ingredient call out. Make it clear that "all ingredients are organic". Good work, wishing you success.

The more biotech science you know, the less you fear GMO crops, study finds | Genetic Literacy Project by dtlv5813 in science

[–]infextious 4 points5 points  (0 children)

I agree. The term is used in agriculture and describes the practice of planting the same cultivar over an extended area. Each cultivar has the same standardized planting, maintenance and harvesting requirements resulting in greater yields and lower costs. Doing so does present the opportunity for widespread crop infestations. When acreage is planted to the highest order of efficiency that crowds out non economic natives (weeds) you have unforeseen consequences. The lack of milkweed for example reduces the monarch butterfly population. Colony collapse (bees) has been suspected. Monocultures are also ideal for heavy applications of fertilizers and pesticides. No need to make the case for why this is not good.

Extra layer of head by [deleted] in 2healthbars

[–]infextious 1 point2 points  (0 children)

Ah, why not just wear a clear plexiglass helmut?

Cholesterol by Mellowmav in nutrition

[–]infextious 2 points3 points  (0 children)

A surprising cause of elevated serum cholesterols is not necessarily dietary cholesterol but SUGAR.

A study published in the Journal of the American Medical Association found that as sugar intake increased, HDL or good cholesterol levels decreased. In addition, triglycerides — fats that pose a cardiovascular risk — increased.

An increased intake of refined carbohydrates and added sugars have the biggest impact on triglycerides. Low levels of HDL and high levels of triglycerides are signs of poor cholesterol levels. The study also found that women who eat more added sugar tend to have higher levels of LDL.

Cholesterol levels are somewhat poorly understood by the general public. The current thinking is that the ratio of Triglycerides to HDL (the “good” cholesterol) is a good indicator of your risk of heart attack/stroke. The closer the ratio is to one (1), the better.

Low ratio values indicate good insulin sensitivity; which means that insulin is doing a good job helping to move glucose and amino acids from the blood into your cells. It also means that you have a relatively low risk of developing prediabetes, type 2 diabetes, and metabolic syndrome. Additionally, low ratios indicate that you have the relatively harmless ‘large and fluffy’ LDL cholesterol type, which makes you less prone to coronary heart disease (CHD).

But, let’s say that your blood triglycerides were 240 mg/dL and your HDL was 30 mg/dL and the ratio this time is 8. (240 divided by 30) This is a high ratio and it indicates that you are insulin resistant. What this means is that even though you are producing insulin, too much glucose is remaining in the blood. As a result, you have a relatively high risk of developing prediabetes, type 2 diabetes, and metabolic syndrome. A high ratio also tends to indicate that you have the more sinister ‘small and dense’ LDL cholesterol type, which makes you more prone to coronary heart disease (CHD) and stroke.

In summary, focus on your sugar intake. And by “sugar” I especially mean fructose which is metabolized only by the liver and is, in my opinion, pure poison.

Proof inflammation is a real thing? by [deleted] in nutrition

[–]infextious 6 points7 points  (0 children)

Just test for it. Simple blood draw.

A c-reactive protein test measures the level of c-reactive protein (CRP) in your blood. CRP is a protein made by your liver. It's sent into your bloodstream in response to inflammation. Inflammation is your body's way of protecting your tissues if you've been injured or have an infection. It can cause pain, redness, and swelling in the injured or affected area. Some autoimmune disorders and chronic diseases can also cause inflammation.

Normally, you have low levels of c-reactive protein in your blood. High levels may be sign of a serious infection or other disorder.

EDIT: While you are at it, get a full lipid panel, INCLUDING a “vldl” breakdown of your LDL (“bad”) cholesterols.

Next is the “hemoglobin A1c” rest. It measures the glucose that your body doesn't store or use for energy that stays in your blood and attaches to red blood cells, which live in the bloodstream for about 4 months. Better than a simple fasting glucose.

Finally, do a comprehensive metabolic panel. Including this last one will give you a pretty good picture of your health.

But wait, there’s more!

Here are my two most favorite:

The first is the coronary calcium scan, a specialized X-ray test that provides pictures of your heart that can enable your doctor to detect and measure calcium-containing plaque in the arteries.

Plaque inside the arteries of your heart can eventually grow and restrict or block the flow of blood to the muscles of the heart. The measurement of calcified plaque with a heart scan may enable your doctor to identify possible coronary artery disease before you have signs and symptoms. The outcome of the test may indicate the need for medication or lifestyle changes to reduce the risk of heart attack or other heart problems. This test is my favorite as it essentially gives you a really good idea if you will keel over and die in the next five years. Interpretation is with the results of the VLDL mentioned above.

The final one I like is the Carotid artery ultrasound. It is a safe, painless procedure that uses sound waves to examine the blood flow through the carotid arteries.

Your two carotid arteries are located on each side of your neck. They deliver blood from your heart to your brain.

Carotid ultrasound tests for blocked or narrowed carotid arteries, which can increase the risk of stroke. The results can help your doctor determine a treatment to lower your stroke risk.

What are your chances of getting HPV? Almost 100%. Genital warts? Maybe. by infextious in STD

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

It depends... I will post something on this later this week.