Just got the renewal and they're asking if I want to add it. Never have had it before.

Hello everyone and thank you in advance for reading.
I am a 31 year old female. I don't drink, I use weed everyday, and I am in relatively good health overall (blood work always in good ranges, minimal issues, not often sick).
I work as a delivery driver for UPS, 45-50 hours a week average. For exercise, I alternate between strength training and cardio. Every day for an hour. I walk my dogs everyday for 1.5 hours total.
I eat fine. Better than most of my peers. Lots of veggies and protein. My biggest issue is eating enough food.
Last year around the end of May, I experienced intense pain starting at the top of my rotater cuff all the way down to my hips and under my armpits around my ribs. I try to continue about my day because the pain started at work. I am unloading a large amount of 20+ lb boxes and my hands fail. I drop the box, luckily it was coming off the cart so it was already like an inch from the floor. At this point my hand and shoulder are tingly and nunb. I go to the workers comp clinic concentra, get an x ray, they determine it's "soft tissue damage".
I went through 3 months of shitty physical therapy, 3 chiropractor visits, and then finally an mri where they said the issue might be herniation in my neck but they were unable to view it with the images they took and since the original complaint was about my back and shoulder, they can't image my neck.
I give up on workers comp figuring it out and turn to my primary care doctor. I explain everything to him, including offering to get the images concentra took so he could see what they are talking about. He suggests I start physical therapy at kaiser and then go from there and manage my pain with naproxen in the mean time.
I finally get an appointment for PT at kaiser and it feels like the same run around I got at concentra. I ask for neck specific exercises since I've noticed the pain begins in my neck just under my jaw. Sometimes it manifests as a migraine, most days it's just feels sore in my shoulder blade and my neck.
It's November at this point.
In December, I am slammed against the wall and floor several times and had elbows and knees shoved into my shoulder blade while face down on the floor. I suffered what was assumed to be a concussion and pain levels doubled.
Now, I get concussion headaches that are definitely separate from the migraines. I continue to manage the pain with naproxen and exercise. Some days, the pain is too much and I can't even walk the dogs.
I've brought up the headaches to my doctor and he suggested managing it with effexor, which I definitely don't want to do and I think covers up the actual problem rather than addressing it.
What's the best way to approach this? Should I have gotten any scans during this time? My insurance is through the roof, everything is covered or very very low cost. How do I tell my doctor I don't feel like I'm receiving the best care? Or am I just being whiney? Is this one of those situations where it's this or surgery? I'd rather avoid surgery as long as possible.

Not sure where to start with this so I’ll just put it out there. I think my father is abusive towards my mother and I have conflicting feelings towards him. I came across this post a while ago where it said something along the lines of “I loved him as a daughter but I couldn’t love him as a woman” and it hit home. I wasn’t sure in the moment why I felt such a rush of emotions when I came across that post, but after giving it some time, I realized it spoke to me because that’s how I feel towards my dad.
My parents have a traditional marriage. Dad is the money maker and mom is the homemaker. There is a huge power imbalance within their marriage. My dad has done everything for us. Has sacrificed a lot and I’ll always recognize that.. but no amount of sacrifices on his part will outweigh his shitty treatment of my mom. He has never hit her (best to my knowledge) however, he talks down to her. Talks to her like she’s stupid. Tells her that he regrets marrying her. Swears at her, insults her, belittles her (in public and private), threatens her with divorce, uses religion to threaten her and say he’ll take on a 2nd wife, and has basically stripped away any and all self confidence she ever had. And what makes me even more mad and frustrated is that my mom just takes it. She won’t say anything back. Ever. She’ll obv get upset and I’ve seen her cry countless times, but she’ll never say anything back to him.
She excuses his behaviour by saying that he puts food on the table and a roof over our heads and we should be grateful for that. And that shit enrages me to no end. He has no right to treat anyone, especially his own wife, in that manner just bc he’s providing. Im 25 and so I’ve grown up seeing this shit and I know it has impacted me in all the negative ways. I hate to even think that my father is abusive.. I almost feel so guilty and ungrateful for feeling the way I feel because he provides for us all.. but I can’t help the way I feel. And yes, my parents are the kind that think staying in a shitty marriage “just for the kids” is better than being divorced… because shitty marriages have never affected kids (sarcasm).
So I ask you: 1. What do you think of the quote I posted in the title 2. How is your relationship with your father? 3. Is my dad actually abusive or am I thinking about it all wrong? 4. Am I wrong to feel a level of hate towards him?

I’m aware that this is unconventional. Believe me, I’ve tried conventional – it didn’t end well for anyone. I require a certain open mindedness that I’m hoping I might find here, but more importantly, I need my future husband to know the rules. Meet-cutes are well and good on the screen, but they don’t guarantee a partner’s ability to follow basic instructions. That was my mistake the first time.
So, begging your pardon for my bluntness, I’m going to be clear about my requirements. Please read carefully – if you can’t meet them, there’s no point in going any further.

• Must want children. At least one child, anyway. I’m open to the idea of more, but one is an absolute must.
• Must be in it for the long haul. Until our child turns eighteen, to be precise. I understand that level of commitment is a daunting prospect, particularly when we have not yet met. After our child is born, you are welcome to ignore me, if you please, or take your pleasure elsewhere – though I will warn you that it might be difficult to come by. But you will live under my roof until our child is an adult.
• Homebody preferred. It will make the next two decades easier on you.
• Must have impeccable manners. I will provide a manual outlining the required etiquette, but you must at least have a grasp of basic courtesy to begin with. If you let your tongue run away with you, or don’t bother to wish your neighbours a good morning when you pass them in the street, stop reading – this is not the opportunity for you. Seriously.

This is the part where I should talk about myself, but let’s face it, this is hardly a romantic proposal. I require commitment up-front and there’s no guarantee that, once we do meet, we’ll really even like each other. If we do? Fantastic! It’ll help the years fly by. If we don’t, you’ll still have the main prize – years of rent-free, expenses-free living at The Old Oak Hotel.
A sanctuary has stood in this spot in one form or another since before the ley lines. During its tenure, it has been flooded, put to the flame, and pounded into dust. Time and again, it has been reimagined and rebuilt. Most of the current building dates back to Victoria’s reign, though the oldest parts were constructed in the 13^th century. At the very bottom of the garden, cut into the surrounding hills, there is a cave bearing handprints of red ochre.
There has always been an Edwards at the hotel, though of course we haven’t always gone by that name. You would think a family so tied to one place would do a better job of keeping records, but no one is certain of our origins. Perhaps it was a cosmic bargain, or perhaps mere luck – whether good or bad, I have never been able to decide. Either way, our presence is required. Throughout our spotty past, there’s a story here and there of an Edwards deserting their post, and it always coincides with a particularly brutal period of history.
I inherited the position five years ago. At midnight on my eighteenth birthday, my parents took their already-packed suitcases and left. I don’t blame them for their abandonment; I intend to one day do the same thing to my – or, hopefully, our – child.
They send me postcards and photos from time-to-time, always smiling on sunny beaches. Money isn’t a concern for them. That’s part of whatever mysterious deal our ancestors made – when a caretaker leaves in good-standing, they will never want for anything again. They could travel the world for the rest of their lives, always sleeping in the softest sheets and dining in the finest restaurants, and never find their pockets empty.
Keep this point in mind, for if you can meet my requirements, you will share my good fortune.
And what must we do in return? I can all but hear you scream the question. Why, very little. The presence of an Edwards ensures that the guests can’t stray from the hotel grounds. Most of our guests are live-in residents, though we do get the occasional walk-in. Where they come from, I don’t know, for we are not visible to most people who stumble upon our lonely corner of the world. I’ve come to believe the hotel chooses to reveal itself when its lacking entertainment, or to fill a need.
Jimmy, my first husband, was one such guest.
For the most part, the guests are harmless. They’ll give you a little fright from time-to-time, popping out from a wall or turning your bathwater into blood, but I find it hard to hold it against them. I’ve found twenty-three years here dreary; I can’t imagine how bored I would be after five hundred.
There are a few exceptions you should be aware of:

• Eric. Our resident serial murderer. He claims to have been Jack the Ripper while he still drew breath, but I think he’s just a blowhard. He knows better than to harm an Edwards, but I’m afraid spouses are fair game. Years ago, my grandmother managed to confine him to the fourth floor, so you will be perfectly safe from him as long as you never set foot there. Occasionally, the lift will stop on that floor even though you haven’t pressed the button for it. Do not get out. Even if the lift appears to be on fire or starts filling with murky water. Wait for the doors to close again, then go to another floor. It should only take a few hours.
• The Thing in the Cellar. I don’t know what It is; no one ever has. We only know It eats rats and must be fed once a day. If I’m ever ill or incapacitated, this task will fall to you. Harvest the rats from the traps in the garden, then stand at the cellar door and throw them down the stairs. Do not walk down the stairs and do not forget to feed It. You don’t want to be the first person to see Its’ face.
• Mrs Jones. Old fashioned and a stickler for manners, she’s the reason I’m advertising for a husband rather than a boyfriend. She won’t abide a couple living in sin under the same roof as her. Really, though, she’s a sweet old thing. Full of stories about the war and always ready to help if I get stuck on a recipe. I don’t blame her for what happened with Jimmy at all. I’d warned him enough times.

Guests aside, there are other rules you will need to follow to ensure a safe, satisfactory stay at The Old Oak Hotel. They are listed in a book that has been re-penned many times over the centuries. If you choose to accept this opportunity, I will insist that you read it until you can recite the pages word-for-word.
However, there are some rules so critical for your survival that I feel compelled to list them here:

• With the exception of the fourth floor, you are welcome to roam the hotel and its grounds as you please. But you must never set foot outside of our land – not until our child is old enough to fulfil their duties. If I were to do so, it would unleash pandemonium – plague, peril, perhaps another world war. I’m afraid you would be less crucial to the fate of the world, but it would certainly be a personal disaster.
• Never look in the mirrors in room 33.
• I’ve touched this point already, but it bears repeating: never be rude to Mrs Jones.

Failure to observe that last rule is what got Jimmy.
She doted on him. I think he reminded her of her long-dead son, for she pampered him as if he were one of her own. Each morning, she had breakfast ready for him before I had so much as opened my eyes, and she developed a habit of trailing along after him, complimenting his skill as he oiled rusted hinges or set a crooked picture straight.
At first, Jimmy basked in the attention. But by the end of his second month, he was growing bored of Mrs Jones, me, and the hotel itself. We pride ourselves on our facilities. If you need more activity than a turn around the garden, we have a lovely indoor pool – it freezes over every now and then, but most of the time it’s perfectly usable. Our library is unmatched. Although the room is cramped, it has every book imaginable; you only need to think of a particular title, and it will appear on one of the shelves. And now that I’ve dragged us kicking and screaming into the 21^st century, we have a wide array of streaming services.
It wasn’t enough for Jimmy. He wanted to go out – eat in a restaurant, watch a film in the cinema, see any faces other than the ones he was surrounded by every day. He began having a drink each evening. One drink turned into several, and after a few weeks, the bar became his permanent residence between dusk and midnight.
He wasn’t the only one getting bored. I had been thrilled when he first arrived; ecstatic when he agreed to stay. How marvellous to feel real flesh beneath my fingers after five years of only the dead for company. What a relief to have some assistance in the many tasks required to keep the hotel running as it should.
The more he drank, the less inclined he was to help – or even spend time in my company. He no longer visited my bed, choosing a room for himself on the opposite end of the floor. When our paths did cross, at best he would ignore me. At worst, he would nitpick or outright rail against me, blaming me for his captivity.
Still, I made an effort to be present whenever he frequented the bar. As lovely as Mrs Jones can be, she does have a tendency to nag. Before and after her death, she was close to teetotal, only consenting to take a single sherry at Christmas, and drinking outside of special occasions is something of a bugbear of hers.
“Think of your health, dear,” she would tell Jimmy brusquely. “You’ll miss it when it’s gone.”
Or, “How about we switch to a nice apple juice now? You’ve had quite enough to drink for one night.”
Most of the time, Jimmy managed to pull himself together enough to flash a charming smile and distract her with a compliment about her latest meal. But after one drink too many, I’d noticed him gritting his teeth and just barely managing to hold his tongue.
It was better if I was present. Playing the doting wife, I insisted on pouring his drinks, watering them down out of his sight. When Mrs Jones’s nagging bordered on relentless, I could always distract her with a game of gin rummy.
On his final day, I was running behind. The ghoul on the second floor – usually the least demanding of our guests – had come down with some dreadful illness, or else decided he wanted to inconvenience me. Either way, I had woken that morning to the foulest stench I had ever experienced. I followed it to his room and found every surface covered in putrid green-blank gunge, its consistency somewhere between mucus and vomit.
All day I scrubbed, taking only brief breaks to step outside before I fainted. By the time the room was restored to a passable state, and I had filled several bin bags to bursting with filthy rags, it was already deep into the night. Mindful of the time, I paused only long enough to wash the streaks of muck from my arms and face before racing to the bar.
I arrived just in time to hear Jimmy’s last words. After he spat them at Mrs Jones, she only stared for a small eternity, her mouth frozen in the motherly smile she wore whenever she scolded him.
Then, like melted wax, her face began to shift.
I shouted at Jimmy to run, but he didn’t need to be told. Before the words left my mouth, he leapt from his barstool and streaked through the door. Mrs Jones followed him seconds later. Her lips were already peeling back to reveal rows upon rows of long, wickedly sharp fangs, while claws sprouted from beneath her lace-edged cuffs.
I sprinted after them, but Jimmy was fuelled by fear and Mrs Jones by whatever force propels the Mrs Joneses of the world. I followed the screeching to the lobby. Breathless, I arrived to see he had arrived within mere feet of the entrance before Mrs Jones grabbed him.
Claws wrapped around his throat, she lifted him into the air. As I watched, her jaw unhinged, the lower part dropping so that it was nearly level with her chest.
That sight drove all the sense out of my head. Forgetting every rule my parents had ever drilled into me, I lunged at her.
She batted me away as though I weighed no more than a fly.
I crashed into the reception desk, the breath bursting from my lungs in a great woosh. I was certain that I would die, for no amount of effort seemed to force air back into my aching chest. At last, as my vision began to dim, I managed to take a small gulp – then another, and another, until I was able to draw myself together enough to regain my feet.
By that time, Mrs Jones had nearly finished her dinner. Jimmy’s chest was splayed open, muscle and shattered ribs protruding every which way from his flesh, and she was devouring the last few bites of his heart.
His head was angled towards me. The light had winked out from his eyes, but they still held his final terror – and an accusation which, I was quite certain, was directed at me. I would like to say I felt only horror, but I couldn’t help my sudden jolt of irritation. How may times had I told him to mind his manners?
Mrs Jones gulped, the sound thick and wet in her gullet, and dropped what remained of Jimmy to the floor.
Then she turned to me.
Here’s another rule for you, one which I hope you never have cause to use: never interfere with a kill.
The Mrs Jones who used to kiss my grazed knees, who argued with my mother for the right to read me bedtime stories, was no longer at the wheel. No amount of pleading or reasoning would move her.
I could only run.
Spinning around, I vaulted over the reception desk and raced for the office behind it. If Jimmy had not been out of his mind with fear and booze, he might have remembered the rules and survived; it was one of several staff-only rooms throughout the hotel warded to keep out unwanted guests.
Just ten steps from desk to door, yet it was the longest journey of my life. My hard-won breath burned my throat; my heart pounded in my ears, deafening me to all other sounds than Mrs Jones’s heavy, pounding footsteps.
Grasping the handle, her hot, copper-tanged breath was on my neck. Fire exploded in my flesh as she raked her claws down my back. A step further away, and I wouldn’t have made it; the pain would have been too great. But I managed to throw myself into the office and slam the door before crumpling to the ground.
Before I passed out, I heard her grunting and shrieking outside, furious that she couldn’t get in.
Three days I spent in the office, emerging only to feed The Thing in the Cellar before scurrying back to my hiding place. Whenever I left, I tried not to look at the mangled heap that used to be Jimmy. There was no avoiding the smell, though.
With no small difficulty, and the help of a first aid kit, I managed to treat and bandage the wounds on my back. They bled sluggishly all throughout the first day, but thankfully didn’t fester.
On the morning of the fourth day, there was a tentative knock on the door followed by the sound of rapidly retreating footsteps. I waited until they had disappeared down the corridor before cracking the door open. On the floor was a freshly baked Victoria sponge and a beautifully written note of apology.
It took every ounce of courage I possessed, but that evening I forced myself to go to the dining room. Mrs Jones was waiting for me, her eyes red-rimmed, a steaming cottage pie on the table. I tried not to flinch as she took my hand, re-iterating the apology she had already delivered in writing.
The next morning, she helped me clean Jimmy up.
We treated each other cautiously for a while, but eventually we got back to playing gin rummy again. When the scars on my back twinge, as they sometimes do, she helps me rub a soothing ointment into them. Even though I’ve told her it’s not necessary, she apologises every time.
So, you’ve heard my story and you have my proposal. If you think you could be the man for me, I invite you to visit. You will need to drink a cup of ram’s blood (a pinch of nutmeg makes it a little more tolerable) and light a black candle before bedtime. When you next wake, you will find yourself at our gates. As travel arrangements go, it’s hardly the Orient Express, but it beats the airfare.
If you have read this without flinching, if you can stomach the journey to get here, if you walk up to our door and find the nerve to open it, I have one more instruction for you.
Just as you enter, look to your right. You will see a deep brown stain on the lobby carpet. I’ve scrubbed and scrubbed but it just won’t come out. Perhaps that’s for the best. It’s a good reminder of what will happen to you should you call Mrs Jones a “nosy old bat”.
And when you run into Jimmy – as you will, for he still likes hanging around the bar in the evening, his silvery wounds glistening as though they had just been inflicted – don’t let him convince you he was some sort of victim.
He knew the rules.

https://www.patientcare.va.gov/lgbt/
I get 100% of my healthcare through the VA. I have no service connections (disability). It’s pretty crazy how much they have under one roof. All providers are able to see your entire chart and I’ve been helped out by many with getting referred to specialists I would never have thought to ask for, simply because they’re all able to see everything.
General primary healthcare
Nutritionist
Case management (super helpful for navigating the VA system as well as getting veteran resources outside the VA)
Hormones
Therapy
Psychiatry
Voice feminization training
Laser hair removal
And several other things including various therapeutic group things
Another fun bonus thing is that your health information can be synchronized to your Health app on your phone. I have a complete medical history right there for me to keep track of including all bloodwork and diagnostic stuff and literally any bit of information that they add to your chart. Right there.
Sadly they don’t yet offer gender affirming surgical services yet except for every specific cases. See link down below.
You’d be surprised what things count as a disability. I’m about to be connected for having astigmatism in my right eye caused by months of being on a periscope. I didn’t think simply “now I wear glasses” would count as a disability but hey I’m not complaining.
You can also be referred to civilian providers on the VA’s dime if they don’t have the means to provide it themselves within a reasonable drive distance.
You can get reimbursed for literally any mile you drive to any scheduled appointment. My VA doesn’t have the equipment so I drive from Albany to the Manhattan clinic for laser and get roughly $180 back every time.
I completely get the skepticism of the VA but for real they’ve changed A LOT especially for LGBT vets.
Each clinic has an LGBT coordinator who can be a fantastic way to start the process.
https://www.patientcare.va.gov/LGBT/VAFacilities.asp
Copied from their website:
Gender Affirming Care at VA Information for Veterans VA provides a wide range of treatments to all eligible Veterans. Gender-affirming transition-related care plans are personalized based on your goals and your health. Talk to your treatment team to see if these services are right for you.
• Gender-Affirming Hormones: Your primary care team can help you with hormone therapy if it is right for you. Medications aren’t a goal for everyone and they have both risks and benefits. The team may involve an Endocrinologist. Talk to your treatment team about your family building goals and fertility before starting treatment.
• Pre-treatment Assessments for Gender-Affirming Hormones: In the U.S., all prescriptions are linked to a diagnosis the medication is treating. Providers will talk to you about your gender identity and your goals for treatment and consider if a diagnosis is appropriate. Blood work and other tests may be needed before hormones are prescribed.
• Voice and Communication Training: Speech Language Pathologists trained in gender- affirming treatments can help you train your voice and movements to align with your identity. This care is sometimes delivered through telehealth to your home.
• Fertility Preservation/Family Planning/Lactation Support: VA has services to help Veterans store eggs and sperm, as well as build and support families. These are coordinated through VA Women’s Health. Talk to your doctor about your options.
• Gender-Affirming Prosthetics: Several items are available through the VA when medically needed. These can include, but are not limited to, breast forms, chest binders, dilator sets for post-vaginoplasty, gaffs, packers, surgical compression vests, and wigs. Talk to your treatment team about what is right for you.
• Medically Necessary Hair Removal: Hair removal often happens through referrals to community-based centers. While availability varies, VA is working to improve access for all eligible Veterans.
• Letters of Support for Gender-Affirming Surgery (outside of VA): Some Veterans use their private health insurance or pay out-of-pocket for surgical treatments. Most surgeons and private health insurance companies require letters from your current treatment team, both medical and mental health (if applicable). VA providers can coordinate care with your surgeon.
While VA cannot yet provide initial gender-affirming surgical procedures, VA does provide surgical care for the following:
Some complications of surgeries, including revision surgeries for unexpected problems
Removing testicles or ovaries for hormone management if prescription hormones aren’t an option for you
Needed surgeries for other medical reasons (e.g., cancer, back pain) that are also consistent with your transition goals

https://pca.st/v1metidl Podcast talking about the future of home insurance insurance. Very scary and very pertinent to all homeowners.

Hi LegalAdvice! Location is South Carolina
Obligatory image of house layout image because of my poor description skill

• 2 weeks ago, some branches feel from Neighbor #2's tree and cut the power lines during rain. This resulted in the loss of power for neighbor 2. The power company came out in the middle of the night and restored power, in addition to trimming back the branches of the tree in question and leaving a large amount of branches and debris in Neighbor #1's yard.
  
• This past weekend during another storm, more branches fell from this tree MUCH larger in size the absolutely destroyed Neighbor #1's fence and damaged our own wooden fence separating us from Neighbor #2. Some photos of the damage
  
• While we were both fine with cleaning up the mess from the first incident, the second one has caused significant damage (there are completely smashed sections of Neighbor #1's fence and a large hole in ours), in addition to this, due to the amount and length of the branches that overhang both of our properties we are concerned about future damage to our homes.
  

My question: Neighbor #2's rental company has responded back by saying they aren't responsible for "Acts of God." My amateur look into SC law hasn't been able to see how it specifically works here, so I was looking for someone more educated to lead me in the right direction. Furthermore what I CAN find seems to make it questionable that we could take matters into our own hand in trimming back the tree from our own properties.
It may be that we simply need to file with our Homeowners insurance and let them handle this, but before we submit the claim we would like to encourage the rental company to do the right thing (preferably by siting relevant statutes in our response). If anyone could help direct us here, we would be very appreciative.

I have been in the roofing industry for 10 years. I personally do a lot of specialty roofing systems. Tile, metal, composite, and commercial projects. Of the industry, I have done retail and a lot of insurance insurance work in Florida.
Because of my Instagram page and word-of-mouth. I was approached by another roofing company to have my crews help them with specialty labor.
They were extremely happy our services and knowledge. They have asked me to help them with a few inspections and insurance claims for tile roofs that they need help with.
Obviously, I am willing and excited to help educate where I can be of service. Though I want to make sure I am compensated for my time and knowledge with these claims/ projects.
I was seeing if anyone had any comment or had an experience consulting. I was interested in how you approached compensation. I do not want to overcharge or under sell myself. Any advice would be greatly appreciated!

Our roof has something that looks like this: https://us.thermosoft.com/snow-melting/products/roof-gutter-cable/NFC500-120 (no idea what the actual system is). It was here when we moved in, and I have used it a few times over the years (not sure I needed to or not, but I did). Even w/o using it I don't think we ever really get icicles or ice dams or whatnot. When using it though, it definitely does a good job of clearing the edge of the roof, as our neighbors will have snow for days, but I can see my roof edge.
In any case, we're getting a new roof in several weeks and I'm torn as to whether we should keep the heating system or not.
2,500 sf colonial style house, attic has blown in insulation and some air sealing (which we had done when we moved in). Insulation from prior homeowner was (I think) typical rolls of pink stuff, so perhaps the roof heaters were needed more. No insulation on underside of roof.
Any suggestions are greatly appreciated.
Thank you.

To the homeowners in linn/benton county, who do you use for homeowners insurance? What do you like about them - pros and cons? Any other tips while I am looking around?

I was the victim of a smash & grab last night. Between golf clubs, cash, misc. probably $1,000 of valuables. I’m wondering how I can make a claim.
I’m between apartments right now, so I don’t have renters insurance or a current address. I was staying at a friends for the past four months (moving into a new unit with renters insurance starting June 1st).
My friend I’ve been staying with does have renters insurance if that’s relevant.
I also own a property nearby that I rent out that I do have homeowners insurance on. If I can use that.
Thank you in advance.

We are considering a move to the area this summer and on the fb group there’s a lot of chatter about insurance companies dropping them. Please can you share how much you’re paying (and auto too). Anybody getting dropped?
This podcast came out yesterday and is worrying as this seems to be happening all over the country.
https://podcasts.apple.com/us/podcast/the-daily/id1200361736?i=1000655653194

Just moved into a new two-car garage, and looking for any general tips for organization. The largest tools I have are a table saw with a 4-ft outfeed table and a 6-ft table my miter saw is currently on. The garage came with 3 sets of cabinets I plan on rearranging. I also need somewhere to store lumber, and am interested in the hanging roof system if anyone's tried that.

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Here's a comprehensive guide for first-time homebuyers in Kentucky:
1. Loan Programs: - FHA Loans: Backed by the Federal Housing Administration, these loans offer low down payment options (as low as 3.5% of the purchase price) and flexible credit score requirements. - VA Loans: Exclusive to eligible veterans, active-duty service members, and their spouses, VA loans require no down payment and often have competitive interest rates. - USDA Loans: Aimed at rural and suburban homebuyers, USDA loans offer 100% financing and low-interest rates. Income limits apply. - KHC Loans: Offered by the Kentucky Housing Corporation, these loans come with down payment assistance and other incentives for first-time buyers.
2. Credit Score Requirements: - FHA loans typically accept credit scores as low as 580, although higher scores can lead to better rates. - VA loans are more flexible and may approve loans with lower scores, often starting around 620. - USDA loans usually require a minimum score of 640. - KHC loans have varying credit score requirements depending on the specific program.
3. Down Payment Assistance: - Kentucky offers various down payment assistance programs, especially through the KHC, which can help cover upfront costs for qualifying buyers. - FHA loans allow down payment assistance from family, employers, or nonprofit organizations.
4. Income Limits: - USDA and KHC loans have income limits based on the area and family size. Exceeding these limits may affect eligibility.
5. Property Eligibility: - USDA loans are limited to eligible rural areas defined by the USDA. - FHA, VA, and KHC loans are more flexible regarding property location but may have specific property condition requirements.
6. Mortgage Insurance: - FHA loans require both upfront and annual mortgage insurance premiums. - VA loans have a funding fee but do not require monthly mortgage insurance. - USDA loans have upfront and annual guarantee fees. - KHC loans may have mortgage insurance requirements depending on the specific program.
7. Loan Approval Process: - Pre-approval is crucial and involves a thorough review of your financial situation by a lender. - Gather necessary documents such as income statements, tax returns, and credit history for the application process. - Work with a reputable mortgage broker like Joel Lobb who specializes in Kentucky homebuyer programs for guidance and assistance throughout the process.
8. Closing Costs: - Factor in closing costs, which typically range from 2% to 5% of the home's purchase price, and may include fees for appraisal, inspection, title insurance, and more.
9. Homebuyer Education: - Consider attending homebuyer education courses offered by HUD-approved agencies. These courses provide valuable insights into the homebuying process, budgeting, and homeownership responsibilities.
10. Post-Purchase Expenses: - Plan for ongoing homeownership costs such as property taxes, homeowners insurance, maintenance, and utilities.
Navigating the homebuying process can be complex, but with the right information and support, you can make informed decisions and achieve your goal of homeownership in Kentucky.

Embracing the anticipation of a new life is a momentous occasion, and a modern baby shower deserves decorations that reflect both style and significance. In this guide, we explore cutting-edge trends in baby shower decorations, ensuring your celebration is a chic and memorable affair. From contemporary twists on traditional elements like seemantham decoration to incorporating divine elegance with godh bharai decoration, these ideas will redefine the aesthetics of your modern baby shower. All you need to do is look for Take Rent Pe, which offers baby shower decorations for rent. You can select from a variety of our decoration options. You can also quote your ideas, and we'll put them into practice. With just a single click, you may hire the décor arrangement and avoid wasting time and money on travel to meet multiple providers when you can have all you need under one roof. 1. Seamless Blending of Seemantham Decoration in Modern Themes: Traditionally associated with South Asian cultures, seemantham decoration has evolved, seamlessly integrating into modern baby showers. Instead of sticking to a strict color palette, experiment with pastel hues and metallic accents to add a contemporary touch. Opt for minimalist floral arrangements and modern motifs to strike the perfect balance between tradition and trend. Consider a stylish backdrop featuring geometric shapes or a custom-made banner with a modern twist on traditional symbols. Enhance the ambiance with subtle yet impactful touches, such as incorporating modern vases filled with flowers or greenery. The key is to create an atmosphere that pays homage to cultural roots while embracing the sophistication of modern design.

1. Divine Sophistication with Godh Bharai Decoration: Elevate your baby shower to divine heights by incorporating godh bharai decoration with a modern twist. Instead of the conventional color schemes, opt for muted tones like blush pink, sage green, or even celestial-inspired shades of blue and gold. This approach infuses a sense of modern sophistication while maintaining the sacred symbolism of the occasion. For an assertively modern touch, choose elegant materials like satin, velvet, or sheer organza for drapes and tablecloths. Experiment with lighting by incorporating subtle, warm-toned string lights or chic chandeliers. Create a focal point with a personalized sign or banner that combines modern calligraphy with traditional elements, emphasizing the significance of the godh bharai ceremony.
   
2. Gender-Neutral Minimalism: Modern baby showers often embrace the concept of gender neutrality, making it essential to adapt baby shower decorations accordingly. Choose a versatile color palette of soft grays, greens, and yellows that transcends traditional gender norms. Incorporate geometric shapes and patterns for a contemporary feel. Utilize minimalist table centerpieces with potted plants, succulents, or candles. Opt for simple, yet elegant, banners and garlands that celebrate the impending arrival without adhering to stereotypical gender colors. This approach not only aligns with modern design sensibilities but also promotes inclusivity in celebrating the joy of new life.
   
3. Tech-Savvy Photo Booths: Take your modern baby shower to the next level by incorporating a tech-savvy photo booth. Replace traditional props with digital filters and augmented reality elements that add a fun and futuristic dimension to the celebration. Encourage guests to capture moments with virtual accessories that resonate with the overall theme. For added flair, create a dedicated space with a backdrop that complements the theme, whether it's a virtual landscape or a design that aligns with the seemantham or godh bharai decoration style. This not only serves as a source of entertainment but also allows guests to create lasting memories in a modern and interactive way.
   

Conclusion by: In conclusion, modern baby shower decorations are a fusion of tradition and contemporary elegance, creating an atmosphere that is both visually stunning and culturally significant. The seamless blending of seemantham decoration into modern themes and the infusion of divine sophistication with godh bharai decoration redefine the expectations of a stylish celebration. Embrace gender-neutral minimalism, experiment with modern color palettes, and introduce tech-savvy elements like a futuristic photo booth to ensure your baby shower is on the cutting edge of current trends. Celebrate the arrival of a new life with an assertive commitment to modern elegance, creating an event that not only honors tradition but also embraces the evolving aesthetics of the present day. With these trendsetting ideas in your repertoire, your modern baby shower by Take Rent Pe will be a chic, stylish, and memorable affair that resonates with the joyous anticipation of welcoming a new life into the world. Cheers to celebrating this milestone with sophistication, creativity, and a touch of modern flair!

I own a 12 plate ford fiesta zetec, 1.4 i think, think its worth somewhere between £2800 and £3500
it's a great little car, in fact the worst thing about it is that it's so sensible.
Decent amount of space, even though it's 'small' it's not micro. On the slow side, but will cruise at 70 on the motorway without feeling like you're ragging it. Acceleration is... not the best. Cheap as chips to run, maintain and insure like i said the worst thing about it is that it's so sensible it's hard to financially justify upgrading.
Though we're expecting our second child shortly, and I feel we may need a bit more space, and I wouldn't mind having a slightly upgrading driving experience either.
Which brings me to my rant, why are used cars so expensive? Everything decent that seems like a step up- like a corolla, civic, focus etc., are £10k + for anything around 7/8 years old. The newer civic's are £20k + 😭... for a civic! I can't imagine I'm getting £17k or even £7k extra car for the money, plus the amount that will be lost on depreciation each year is significant.
I don't know, am I missing something here?
what might a sensible upgrade be, basically same as what I have just a bit bigger, family friendly, with mildly improved performance / driving experience and something that can hopefully avoid crippling the finances.