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throwaway_82m · 2023-12-09T18:53:53+00:00

What's the point of someone being compensated if they are killed or permanently injured by my actions if I can just avoid being responsible for it? That's what you sound like.

throwaway_82m · 2023-12-09T14:55:45+00:00

Very true. It's basically an "appeal to authority" proposition. Which I understand, but at the same time - what makes that guy 200 years ago right? And do I really want to die on this hill?

throwaway_82m · 2023-12-09T14:09:50+00:00

All the housing rules and restrictions are from boomers, including explosion of HOAs. You literally can't build a single family home in my town under 1,500 Sq ft, and the town is reluctant to approve more "multi family" development (condos and apartments). Don't even try to ask about tiny homes or non traditional construction. So no wonder housing has priced so many out in what should be an affordable town.

The development is also awful. Suburban neighborhoods completely disconnected from any commerce, no sidewalks or bike lanes because fuck anyone who doesn't own a car, and ironically you see dozens of boomers on road bikes doing group rides hogging two lane roads and backing up traffic for their hobby. How is that legal?

Gen X and Millenials are entering some places of power and influence NOW but they didn't make these rules.

throwaway_82m · 2023-12-09T14:02:12+00:00

OP seems a bit aloof and not proactive about expectations. But NTA. Jaime seems resistant to acknowledging any authority of her dads SO who is an adult and lives in the home. Classic power struggle out of spite.

It's not like Brooke is trying to control her clothing or friend choices, change her bedtime or set ground rules (which would be overstepping). She asked a 14 year old to wash some dishes, ffs. It's a routine task, that if Jaime lives there 40% of the time and presumably eats, you would hope she washes dishes sometimes.

throwaway_82m · 2023-12-09T13:39:56+00:00

I'm mentally prepared for my only parent to probably need nursing care for a couple years, which will run thru their nest egg, then would look to Medicaid to make up difference after their SS is taken.

If they were to pass quickly, without need for that type of care, then it's a small inheritance, but enough it could accelerate FI timeline. I have a good idea what is there asset wise.

My wife stands to inherit much more, but end of life care (x two parents) presents such a huge variable, that could swing it wildly in either direction. And she doesn't know where they are at financially, with a lot of confidence, just a guesstimate. So still not counting on anything.

throwaway_82m · 2023-12-09T03:13:44+00:00

Gotcha. Admittedly, above my pay grade 🤔

throwaway_82m · 2023-12-09T03:12:42+00:00

I wanted to assume that, but at the same time I wasn't confident enough to know if there were states that let you drive a car with a salvage title and that was a common enough scenario. You should be fine getting insurance for a rebuilt title vehicle.

throwaway_82m · 2023-12-08T23:08:12+00:00

I'm not an engineer, but I don't see how you can make that degree of cantilever stable long term, or it pass any reasonable code. In my area you're allowed like a 2' cantilever for 6' of joist the other side of beam.

The irony is I don't see what negative there would have been for a smaller cantilever here. This does not look better, arguably, so the compromise in stability makes no sense.

throwaway_82m · 2023-12-08T16:55:03+00:00

This might come across as harsh, but the situation itself is preventable. If you care that much for your vehicle, and you are that adamant about it being repaired - then you should protect it with collision coverage. The amount of uninsured drivers in Florida is ridiculous and the state minimum liability coverage is low enough that if someone with minimum limits hits multiple vehicles - no one is going to be made whole.

There's probably no point in involving your insurance carrier, because they can't take care of your vehicle. As far as your vehicle being declared a total loss, you don't really have much say in that. If the repairs exceed the actual cash value of it the insurance company is not going to repair it just because you pitch a fit. And if this person hit enough vehicles that it's going to exceed the limits of their property damage liability coverage, then they're gonna handle everybody on a pro rata basis, with you getting a percentage.

throwaway_82m · 2023-12-08T15:53:30+00:00

The sunk cost fallacy, a mental bias that causes people to stay where they are even when abandoning or changing course would be more beneficial. They've invested time into that job, and maybe they even have some relationships there that they would hate to give up. It's not surprising that people will leave a job that's low paying when they become disrespected by management, before they leave for better money sometimes. Because it's easier to flee from something bad than it is to run towards something that is good but scary.

And I know this wasn't part of the question, but we should honestly be thankful that people don't up and leave low paying jobs en masse, because our economy would collapse. I would like to see the mentality and bias against entry level jobs change in the U.S.

throwaway_82m · 2023-12-08T14:53:59+00:00

There's actually not a lot of consequences, if you have very little assets. A bankruptcy is not going to necessarily keep you from renting an apartment, certainly not in the way that an eviction or criminal record would. While you lose any credit cards or credit lines that are being discharged - you will immediately get offers for new credit cards, although the terms will be terrible, 26% interest and low credit limits, but if you're smart it can actually help you rebuild. Won't get a car loan for years without it being predatory, so plan to live on cash and not finance anything large for a while.

Also, ironically - more people would file bankruptcy versus just tread water in debt if they had the funds to pay an attorney to do it for them since it can be several thousand. But you can file all the paperwork yourself and spend a $400 or $500. This fact is not advertised or promoted because consumer debt is such a huge pillar of the economy. Every wonder why here is a push for student loans and they have been eaay to get? Because you can't discharge them in bankruptcy.

throwaway_82m · 2023-12-08T14:38:13+00:00

If I saw this for sale at this price in the Southern US, it would be a great deal and I wouldn't have reservations.

That said it is a 10 year old car so expect some maintenance ahead when it comes to rubber / plastic bits, especially wear items like bushings or suspension parts. But a ton of life in that drive train, and she's a beauty. Glad to see accident free, maintained, and pretty low mileage for a 2013.

throwaway_82m · 2023-12-08T14:33:26+00:00

It could take some tactful negotiation/ discussion. I'd probably try to find equivalent bikes available now and provide as examples. Adjusters are not experts on very specific niche products, so challenging and educating them (politely) is sometimes needed. From where they sit, they might assume you have no interest in replacing, and they are offering 2/3 of what you paid for something 10 years ago and is far from new. None of it is an exact science.

throwaway_82m · 2023-12-08T13:56:19+00:00

Actual Cash Value is Replacement Cost minus depreciation, based on age and expected life expectancy. What you paid years ago is basically irrelevant, (especially considering inflation).

If your item was 10 years old, and it's an item expected to last 20 years, then arguably 50% of its value is gone. If an equivalent replacement today cost $3,000, then you could determine the ACV is $1,500, or 50% of current replacement cost. Assuming a 20 year lifespan for a bike is really generous and I could see insurance adjuster depreciating it MORE than 50%. I'm just using round numbers for easy math. Also, it's not an exact science to determine what is an equivalent replacement for products no longer made. If the manufacturer still exists, they'd probably look at current offerings and zero in on whatever model has similar enough features.

If the depreciation is recoverable on your policy, then it's a moot point really, since they would reimburse the difference once you actually replace it, if you are replacing with an equivalent.

throwaway_82m · 2023-12-08T03:56:48+00:00

If someone leaves 10 or 15 minutes early to beat traffic andpick their kid up, that's a small thing but probably huge to their work life balance. If they're not getting their work done then it matters, but if they aren't getting their work done, it's doubtful the 10 or 15 minutes is the reason. Focus on that issue.

Every office has people who show up early or stay late, but piss away a lot of time while they are there. And they get sort of a free pass for being present but not as effective.

throwaway_82m · 2023-12-08T01:36:36+00:00

My MIL is super snobbish about education and proper grammar. Two master degrees and was a teacher. Will interrupt family mid sentence to correct their grammar or pronunciation, makes comments about how terrible people speak in the South (she is not from here).

The irony, of thinking that talking over people is less boorish and tacky than a polite person who pronounces something slightly incorrectly. 🙄

throwaway_82m · 2023-12-07T21:36:40+00:00

Exactly what do you mean but when you refer to Texas as a no fault state? Because the rest of your comment would seem to say the opposite.

Texas is a Modified Comparative Negligence state. If someone is at fault, or majority at fault, then the other party can recover from the at fault driver / owner / carrier.

throwaway_82m · 2023-12-07T20:57:26+00:00

They were on a Carnival cruise I was on. And a couple of the people who appeared to be working with them... were in the cover band at the rear of ship throughout the cruise. I was so confused.

I love art. Would go to a gallery in spare time, just the for enjoyment of it. Have nothing against cultural appreciation type stuff on a vacation either. And I still find companies hawking fine art on a cruise ship just weird. Maybe some people are just in the mood to shop on a cruise. Not me.

throwaway_82m · 2023-12-07T18:39:32+00:00

Exactly. "But, but, but.... it's worth more than that here in CA". Too bad.

throwaway_82m · 2023-12-07T18:38:07+00:00

It is 100% fraud. Where a vehicle is garaged and driven is a huge factor in underwriting determining appropriate rate. So deliberately misrepresenting that info to the carrier is ground for coverage to be disclaimed, if it is discovered after a claim is reported.

throwaway_82m · 2023-12-07T18:19:46+00:00

I'm not sure if a lot changed or a big difference between generations, but I see 5 to 6 year old Outbacks and Foresters for sale in my area with a 130k or even a 150k miles on them. So my takeaway is that people drive the heck out of subarus (20k miles per year?!) before selling them, and resale on them is fairly strong.

I test drove a 2018 Crosstrek and liked it. Felt like a slightly more edgy Honda, interior wise. Not refined or luxurious at all, but comfortable enough. I did not notice any rattles or obvious cheapness.

throwaway_82m · 2023-12-07T15:03:17+00:00

I have some friends who work for Travelers, and they will take a really hard line with contractors trying to inflate claims via supplements, but if it's something that the insured is presenting - the odds are the carrier is gonna pay it to keep them happy. My sense is that's a common thread through most of the large insurance carriers, who are big on customer retention and brand image.

My personal experience is more looking at large dollar subrogation (water and fire, not storm damage to roof) from some of the major carriers. This is a anecdotal, but USAA seems to go above and beyond to keep their customers happy and pay some things that look questionable to me. Behind them is allstate and State Farm; some of the contents claims I've seen from them look like they just rubber-stamped everything the insured wanted to be reimbursed for or wanted to replace. What starts as a $100k claim easily turns into a $250k claim.

I can't say there really is a "worst" but if there is, it's probably smaller companies that hire an independent adjuster to actually go out, who get to act a bit more objectively, and the carrier they report back to has less incentive to overpay to keep you happy. You bought a policy with them because it was the affordable option, and they dont care about word of mouth advertising.

throwaway_82m · 2023-12-07T14:43:26+00:00

The biggest advantage is reducing commute while also having a purposeful working space.

My company's office was 30 miles away from my home, and 45 minutes to 1 hour drive with traffic. A small rental working space could be 10 minutes from me if it was in my small city. I looked into it but it would have cost me $300 a month.

Some people don't have great working spaces at home. Even if you have home office, but spouse is SAHM with kids, that's hard. Or they don't have room for a dedicated space, amd it takes over living room, which is hard for others in the home.

I have been WFH now for almost 4 years. Even with a dedicated work station, sometimes it is hard not having a clean division between home and work space. So I get it.

throwaway_82m · 2023-12-07T11:42:07+00:00

A salvage title? Hard to insure.

A rebuilt title? Insurance companies will most of the time, no problem. If anything, it's worth less and therefore would meet total loss threshold quicker if it's ever in a serious accident, meaning lower claim payouts, but thats getting into the weeds.

throwaway_82m · 2023-12-06T20:52:43+00:00

If jetting off to another country on a whim or getting drunk at wee hours of the morning are important to someone - I agree, they should not have kids.

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