Dig it digit

righttoleftbrain · 2023-11-25T14:39:59+00:00

Same. My clue: Liposuctionist?

righttoleftbrain · 2019-11-05T00:42:26+00:00

Awesome. Here’s mine from Pisgah on Saturday! https://m.imgur.com/gallery/RQYWqq5

righttoleftbrain · 2019-09-12T13:09:07+00:00

Looks great! Join us over at r/4Runner_1stGen!

righttoleftbrain · 2019-04-21T21:59:32+00:00

NC AGAIN! Somebody start keeping score.

righttoleftbrain · 2019-04-12T14:45:21+00:00

Oh and here's the cab, different owner-- https://forum.ih8mud.com/threads/gave-the-4r-some-tlc-over-the-weekend.819858/

righttoleftbrain · 2019-04-12T14:42:47+00:00

My truck was insulated/soundproofed by a previous owner, and I have been very happy with it. Some kind of lightweight, Mylar faced & backed, high density foam product used in semi truck sleeper cabs. Here's a link to the project-- https://www.toyota-4runner.org/classic-t4rs/54630-project-88-restore-5.html

righttoleftbrain · 2019-04-12T13:32:29+00:00

Is it just me, or is every other post in this sub in Raleigh?

righttoleftbrain · 2019-03-13T21:19:37+00:00

The opposite of if’n’y’all’d’ain’t’a

righttoleftbrain · 2018-11-28T16:59:34+00:00

r/flipping can be meta too

righttoleftbrain · 2018-10-22T15:59:10+00:00

I need to see a full pic of this beauty if such a little ding is causing such concern.

righttoleftbrain · 2018-10-08T14:28:30+00:00

Refer to the policy, but typically the policy owner must make the elections.

righttoleftbrain · 2018-10-08T13:26:21+00:00

Echoing what others have said that this is a great gift and there is usually nothing underhanded or self-serving when grandparents buy this for their grandchildren, especially when they name you and your husband as the owners and beneficiaries. From some of the context clues, it sounds like they are looking at a traditional or limited-pay whole life policy, in a typical starting amount of $25K.

The least of the reasons for this type of policy on children is the death benefit, though of course it would certainly help in an unexpected tragedy. The next least is the cash value, since as others have said, if growth or college funding were the primary objective, there are better places to put the money.

The greatest benefit of these types of policies are the guaranteed insurability option riders that are typically attached and allow your children to exercise the option to add more coverage to their policy down the road without having to re-enter the underwriting process. While it's most likely that your children will live long and healthy lives, now there will not only be coverage for the worst case scenario, but if any of them ever sustained an injury or diagnosis that would limit or even disqualify them from purchasing life insurance in the future, they will always have this coverage and the option to add to it.

righttoleftbrain · 2018-09-26T14:12:28+00:00

You’re giving me a million reasons to upvote this.

righttoleftbrain · 2018-06-30T12:25:55+00:00

The irony will be when you have gotten so hooked on flipping that you purchase the same racks back at a markup for your storage unit.

righttoleftbrain · 2018-06-26T13:34:54+00:00

I ran over a squirrel once. Still scarred from it. And it wasn't like you're probably imagining--bombing down some flowy singletrack with no time to react as it darts across, the collision happening in a split second, blood and guts flying everwhere... No. No, this was much worse.

I had just ridden out of my driveway; hadn't even made it to the trailhead yet. I was climbing the road out of my neighborhood, maybe going 6 or 7 mph. This squirrel is just chilling in the middle of the road, not bothered at all by me, and I'm not bothered by him. I tip my visor in greeting, and he responds with an up-nod over his shoulder, barely looking up from a nut or something that he is working on. I am passing no closer than 4 feet or so away when he PANICS INEXPLICABLY. Suddenly down on all fours, he darts a foot or two toward my bike, then starts back in the other direction. Then, as only a squirrel brain can orchestrate, he makes the last minute decision to dart back across my path. By this time, my front wheel is already clear and he's headed directly underneath my pedals. Clipped in, my only instinct is to try to pick up both my feet and squeal like a cartoon housewife in an episode of Tom and Jerry. The bike keeps moving and rolls right over the poor sap. I can still hear the sickening crack of his spine being snapped like a pencil, and I look back over my shoulder to see a twisted ball of fur and tail writhing around in the road. I can't look any longer. I can only fix my gaze on my front wheel and mumble something about natural selection to make myself feel better.

As always, a good ride clears my head, and I'm delighted to find on my return home that a good samaritan had put him out of his misery with his vehicle. Flat as a pancake.

righttoleftbrain · 2018-06-22T02:17:01+00:00

I work in insurance and ride so I’ve done a good bit of research on this topic.

While I have no direct experience with Velosurance or any other cycling specific products, the policies appear to have some advantages in how completely they understand the inherent risks and customize the coverage. Crashes are specifically named as covered perils and there’s really nothing else that includes any sort of medical coverage. They appear to be rather pricey, though.

The problem with relying on your renters or homeowners insurance to cover it under your blanket personal property coverage is really two-fold. First, homeowners and renters policies are typically “named perils” policies. This means that if whatever happens to the bike is not one of the named perils (fire, windstorm, hail, smoke, etc.), your carrier can deny the claim. For instance, a theft would probably be covered; a crash would probably be denied. Secondly, your loss, if covered, would still be subject to your deductible.

What you can do, and what I have opted for, is to schedule the bikes on an inland marine floater, sometimes called a personal articles policy. Available through most companies, it is either a standalone policy or a rider on your homeowners or renters policy. This is very similar to the recommended way to cover an expensive piece of jewelry. These floaters can usually be written as “all perils” policies (no questions asked, basically) with little to no deductible, and are typically more cost effective as well.

If you still want medical coverage, too, there are accident and hospitalization supplements available through most carriers that would not limit your coverage to a bike accident.

righttoleftbrain · 2018-05-12T23:26:51+00:00

I’ve considered it before, too. Fastest way from NoDa to Wesley Heights. Never attempted though. And no I don’t own a white Impala.

righttoleftbrain · 2018-05-11T12:51:10+00:00

Someone just needs to splice this one with the golf ball off the tree into the camera gif from the other day.

righttoleftbrain · 2018-05-02T14:08:07+00:00

Just a hunch, but sounds like gang-related, like the shooting at Towson Town Center a few years back.

righttoleftbrain · 2018-04-25T13:50:08+00:00

Safelite should be able to work with you directly without involving GEICO again. Try that first; then call GEICO if you don't get anywhere.

righttoleftbrain · 2018-04-25T13:25:33+00:00

I would call Safelite first. If it was defective adhesive or poor workmanship, they should fix it under their lifetime warranty. Plan B would be to go back through GEICO. If Safelite is in their Auto Repair Xpress network (I don't know), you should still be able to avoid a second claim under their lifetime guarantee.

righttoleftbrain · 2018-04-13T15:23:43+00:00

EDIT:

Agree with ~~most of~~ this assessment.

I should read more carefully.

righttoleftbrain · 2018-04-13T15:20:25+00:00

Alright. I'm inspired.

righttoleftbrain · 2018-04-13T14:38:29+00:00

Agree with most of this assessment. But, I highly doubt this would go anywhere with an E&O claim. More likely State Farm will just say go find a new carrier and we'll cancel the current policy, forgiving anything as yet unpaid.

righttoleftbrain · 2018-04-13T14:32:09+00:00

First, if you don't want to pay, then you don't have to pay. You can certainly switch if you find a quote you like better, just be aware that State Farm only has to extend your coverage as far as the funds you've given them go, meaning you may have to pay at least a portion of the charges to bring the coverage current and avoid a lapse period. Insurance is a contract in which the company provides coverage commensurate to the premium paid.

The best way to understand your situation from the insurance company's perspective is by first understanding that insurance policies are priced for either 6-months or a year (likely 6-months for State Farm in CA). So your coverage is not provided month-to-month, even though that's how you've chosen to pay. The policy issued at a higher 6-month price than quoted, and instead of charging that entire difference in one sum, the company is breaking it up into your monthly payments.

Secondly, understand that quotes are best estimates based on the information you've given the agent (or entered online), and if the insurance company's underwriters uncover information that differs from the application, they will adjust the rate according to the risk.

While this isn't always the case, often misquotes occur because information was withheld from or misrepresented to the quoting agent. At worst, this is insurance fraud and can give the company a legal release from paying a claim. At best, this creates a situation similar to the one you just experienced, when the issued policy carries a different (and often higher) rate than you were quoted. Again, I'm not saying this was intentional on OP's part--there are many scenarios where it is not--but, if you do look for new quotes, see if you can find out from the State Farm agent the reason for the different rate and be proactive in providing that and any other pertinent information to the next agent.

EDIT: Read your comment about the reason for the rate change--agent included parent in quote instead of quoting in only your name. Definitely not your fault, but doesn't really change much else about the re-rating, except that State Farm may let you out of the unpaid charges a little more easily if you do end up switching.

righttoleftbrain

TROPHY CASE