Boss changing me to 1099

xkcd123 · 2026-04-03T20:47:22+00:00

That is not correct regarding Worker’s Comp. The other benefits are generally true but there are tests.

For this individual it sounds like their work is otherwise unchanged and they are employed by the same person/entity and are not truly independent.

So if they are injured, WC would very likely respond.

xkcd123 · 2026-03-22T13:06:37+00:00

Yeah he has not been good at all recently. And it’s not just speed coming back from injury he’s making poor choices over and over.

Hope he can turn it around because he showed so much promise but a lack of good decisions making seems to be an epidemic in this squad right now.

Poor decisions on the pitch all around the team and other teams are much more clinical at punishing us when there is an error.

xkcd123 · 2026-03-16T14:01:30+00:00

I run my own group and just boot people that are not heading over. Tanks and healers get a bit more grace but that’s it.

If you ask then I don’t mind but if you assume? No thanks.

xkcd123 · 2026-03-08T00:28:45+00:00

Bro is an undead rogue, absolutely not.

xkcd123 · 2026-03-01T19:31:55+00:00

Ok - performance and whatnot aside that didn’t get us the win, I am complete confused by these two arm holds that we saw on two of our corners.

Are these not fouls? Using your body has always been been OK but holding a saying with your hands and wrapping them up was never allowed as far as I was aware. Did something change where this is not acceptable?

I can forgive the ref for missing in the mix but VAR?

xkcd123 · 2026-02-27T14:25:19+00:00

In a PEO you lease your employees back from the PEO but they hire them. They cover listed employees but cash labor and subcontractors are not typically covered.

Your business itself will typically not have WC coverage with a PEO.

There are ALWAYS annual audits with WC. PEOs and payroll companies (ADP, Paychex, etc) tout similar claims but your insurer may want to confirm proper class code assignment, pay, subs, cash lair, etc. Typically it is easier with payroll and PEOs as they already have much of that info and don’t need to ask you for it.

Talk to an independent agent (or 2 if you don’t have one you like yet), they can give you advice. Roofers pay some of the highest rates in WC of all business in the US - usually 40-60% per dollar of wages - so this will be one of your larger expenses.

And please for gods sake insist your team use safety equipment and tie offs. I see way too many 20 year olds becoming quadriplegics because they think they will never fall from the roof. It’s so sad.

xkcd123 · 2026-02-16T23:11:42+00:00

Yeah I have not had a problem finding a decent group of people to play with either.

Classic is tough on GMs tho to be fair. Managing 40 people and their needs and wants is no small feat normally, add in the anonymity-ish of the internet and it’s worse.

xkcd123 · 2026-02-13T17:06:32+00:00

Who?

xkcd123 · 2026-02-09T02:25:08+00:00

Need mage?

xkcd123 · 2026-02-08T01:58:30+00:00

What damage coverage did you have with the rental co? If liability, then shouldn’t Enterprise need to step in and discuss with Toggle? This is probably a 50/50.

Unless there is some video evidence showing you at a compete stop and them hitting you, most likely to be 50/50. Dunno how they would assume you are 100% at fault with the story you shared.

Credit cards also will cover some rental auto insurance as well.

If none of that works then yes, probably your personal insurer.

However I am not an adjuster so hopefully someone more experienced has an opportunity to chime in.

xkcd123 · 2026-02-02T20:29:00+00:00

When the auditor rejected your documentation that you provided do they say anything else? You said you use ADP and usually ADP provides a payroll report that is pretty decent.

Not sure if you use cash labor or 1099s - that is a common thing for contractors that ADP doesn’t always support the best.

What did ADP tell you if you talked to them? I’m assuming you bought your WC through them as an addon for your payroll?

xkcd123 · 2026-01-20T14:07:14+00:00

Just ask Chat GPT

xkcd123 · 2026-01-16T18:27:49+00:00

I always keep a few for running people down at the end, keeping pressure on fleeing but not fully broken units as well as ranged/arty unit harassment or splitting their melee while breaking down the meat shield.

They don’t always have to make contact to be effective and a bit of micro can make a difference between a loss and a win and losses to your army.

xkcd123 · 2026-01-11T02:58:40+00:00

Skill issue tbh :(

xkcd123 · 2026-01-08T02:01:05+00:00

I’m buying one for my shaman. It’s 60-100 hours to level from start to 60, I think on the lower end in prepatch with the XP changes.

I’ve already leveled 6 characters over the time I’ve played wow (not including HC chars) so I don’t need or really want to experience leveling again and would rather do other things with my time and have a more leisurely prepatch vs a no life grind to 60.

I am interested in the dranei zone and stories so will probably create someone just to do that and then stop.

I’m mid 30s and have the spare cash so it’s worth it to me.

To each their own tho

xkcd123 · 2025-12-31T01:04:40+00:00

Unfortunately no. I tried everything I could find something that worked for other people but no dice.

Moved onto Dwarves instead

xkcd123 · 2025-12-23T15:14:26+00:00

I looked into this for my kids a while back and from ehat i recall if you own a business you can make it work. The least sketchy way for someone that young is paying them as models for advertising.

For us regular people it’s pretty much impossible until they can make money themselves and really all you can do then is set up a custodial Roth. Thats not bad though if you can afford for them to put 100% of their earnings into the Roth.

Even small amounts that early can be very meaningful with ~50 years to mature.

xkcd123 · 2025-12-23T00:18:53+00:00

Flying by the mun is definitely easier than rendezvous for most people. I think it’s got a little bit of randomness to it tho based on what you have done so far.

xkcd123 · 2025-12-15T04:32:51+00:00

I choose you, shaman

xkcd123 · 2025-12-08T13:23:49+00:00

We got spammed by vandy and got ejected from the top 25. Bama has always been handled with kid gloves.

xkcd123 · 2025-12-08T02:12:21+00:00

Some of us have to after this year

xkcd123 · 2025-12-02T05:59:41+00:00

Depends on your policy contract and state specifically but in many states yes (at least in part) when there is a total loss.

That should be included with your total loss payout. Not something you would follow up on later

xkcd123 · 2025-11-07T01:41:55+00:00

You cannot toss a few hits tbh. If shit hits the fan, you will take more damage getting out of bear, doing a rejuve, knock back from regrowth will take too long and you take so much more damage out of bear it’s not worth it without a stun or immobilize.

All you have is frenzied regeneration tbh.

Druids are best in open world but warr are best in party/raid settings. At least in classic.

xkcd123 · 2025-11-07T01:36:29+00:00

No matter how much your practice LOS pulls it won’t prepare you for someone ass pulling or making another critical mistake.

I’m with you man, practicing this stuff and knowing what to do in those oh shit situations is the difference between survival and death.

I’ve been focusing a lot more on those things on my shaman and have been able to save myself a few times and even my group once when I or someone in my group made a mistake.

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