The main building pipe is clogged and has been a nuisance for years causing sink backups for multiple units. The HOA now wants to replace the pipe but in order to do that they have to break thru my kitchen floor and cabinets. They said they will pay for the pipe replacement but I will be responsible for paying to fix/replace my kitchen flooring and cabinets. I have condo insurance so I'm hoping they cover it? I looked at the policy documents.
It says the following Personal property - $20k less deductible of $1k Dwelling - $16350 less deductible of $1k Loss of Use - $8k per occurrence Loss assessment $1k per occurrence Personal liability $300k per occurrence Medical payment $1000 per occurrence
It says these are included: Personal property replacement cost Loss free credit Water backup of sewers or drain coverage limit $2500 Additional coverages, deductible and/or fees All other perils deductible is $1k
Is this something likely that will be covered? Do I call my insurance company and just tell them everything? I just hear about horror stories dealing with insurance companies so feeling really anxious about this and don't have anyone in RL to give me advice.
Thank you

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I just asked about lightsaber crystals. Thanks for the info. I realized there was a couple more things I wanted to ask before jumping back on.

1. Can a jedi consular wield a lightsaber light darth maul?
   
2. What are the big differences between the smugglebounty hunter specs with flamethrowe missles? I get the weapons, I'm asking what gameplay wise is changed? I'm thinking flamethrower spec for smuggler and the missle spec for bounty hunter. Sounded fun.
   
3. I only have the basic 25 k credit mount. Glad to have to but what are some good mounts to go for as free to play? Also can they be used/ shared across account?
   

Thanks all! Very new to the game and trying to get a handle on how everything works before hopefully getting my wife online too.

Just recently got a new job. I had been looking for over a year, and it's the first opportunity presented to me. I'm now only 2 days in and all I can think is I wish I never saw the email and was still jobless..
Trying to finish my AA so I can raise my GPA and pursue a bachelor's and even masters possibly close to full time. However I am low on money because I had not worked since 2022.
I was very overweight and had extreme mental issues. I fixed a lot of the physical stuff, and mental stuff has got slightly better do to bettering my life style and some medical diagnosis, but still not great.
I needed money though. What little I had is all but gone, and my mom has been letting me live at home for free. I spent what little I had on classes, and even then it was not enough for my last spring semester and the current summer one. My mom also assisted with those too.
I feel like such a a freeloader because I was not providing any money to myself, nor her and she was letting me live here for free and eat her groceries. It disgusted me, but I was in such a rough position working a job was impossible for me.
Now I got this new job. Working in IT for a college specializing in Dental medicine, and I am only 2 days in and hate it. Now a huge reason is because of 2 things outside of the job, and both sort of affecting each other.
1.) my exercise routine. I was biking 100 miles a week and working out 4 days a week on a very religious schedule, and seeing great results. My body fat percent was going down wonderfully, and I felt amazing health wise. Now I cannot do that unless I want to sleep less than 8 hours a night, which is already hard for me to get, especially because of my extreme anxiety and depressive issues. 2.) school. I am still 21 credit hours away from finishing my AA. I am currently taking pre calc, math being a subject I am very not good at, and I have almost no time to do it. I come home from work, and immediately heat up food and sit down to try and get in a lecture and finish homework, and I barely get it done. I have no time to workout or ride my bike or any exercise after work because it takes me all of my time to heat up dinner, prepare lunch for the next day, clean what needs cleaned, shower and do all the pre calc that needs done.
I am terrified the mental progress I have made is going out the door, as well as the physical fitness, and I'm scared I will fail precalculus lowering my GPA and forcing me to retake it. (Also wasting 500 bucks).
On top of all of that, the job has been nuts. I am 2 days in, and already my entire department seems to hate life. The IT director constantly jokes about firing people and us, all the people underneath him talk shit about each other, there is 0 onboarding process for a new hire, and I'm already doing so many projects I have had to skip lunch, and then get asked by 5 different hr people why I skipped lunch. They tell me to stay and do work and then ask me why I'm still here. I am also being told that as an hourly employee only supposed to work Monday through Friday, that June 2nd I have to work all day Sunday for the students graduation even though I have an exam due that night. So not only am I just out of the blue being forced to work a 6th day that week, but I have to come home and immediately take a pre calc test I will most likely be barley prepared for.
My mom tells me " if you think you need tutoring you should do it" like when the hell am I supposed to have time for that ?? I don't even have time to do anything else.
This is the first week on the job, I will be lucky if I finish all of my homework before Friday when it's do, and even then, I have an exam this Sunday already and will probably have to spend the entire day Saturday and Sunday preparing for it, and skip any chance and physical exercise, or spend time exercising and risk having to stay up all night and being under prepared.
My anxiety is through the fucking roof. I used to have panic attacks constantly, and luckily I have not reached that point, but I feel like my blood pressure is so high that my veins are about to Burst.
I mean I'm 2 fucking days in... How am I supposed to do this for the rest of precalculus. I mean honestly if I make it through this class and pass it I don't think any other class will lose a threat, but it's just insane...
Idk how people do this. I don't get why our society makes it impossible for people to find a job and work hard and have that job make time for school. I have to deal with corporate ass holes who want me to work to the bone just so I can afford to fail my classes... Like what the fuck.
I felt horrible being in the situation I was in not providing any money to myself or my mom... But fuck I want to literally blow my brains out now. Maybe it will get more relaxed, but I can't see that happening whatsoever until I get deeper into precalculus and see if i will even pass it ..
I have 0 people to count on too. No one is supportive whatsoever. No one to hug, or get reassurance from. My mom just says this is how it is and doesn't care. I can't talk to a therapist because anytime I say anything more than I'm sad they want to lock me in a psych ward because no one gives a rats ass about mental health in Florida, or America. I have no friends in real life within 500 miles of me. It's just me.
Idk what to do. Idk what to believe in. Idk how to calm myself, or cope. I can't do any of the things that we're making my life better.
The one thing I have still going strong is diet. I also wake up with enough time before work to at least go on a quick jog before I get ready and leave, but it isn't enough.
I feel like If I can't find some sort of relief or balance I'm going to be right back to crying and panic attacks In the bathroom in a matter of weeks.
I honestly hate life. I wish I could go back to younger me and tell him to sweat blood trying to get into a university with full scholarships so I could pursue The education I dream of full time and find a job I truly enjoy. That is still my long term goal, but I feel like I'm killing myself to get there.
I know so many people do stuff like this and make it though, but so all of those people have decades of issues with major anxiety and depression? Have they all thought about suicide since they were 13 ?
Maybe they have, but for fucks sakes if they have can they at least hug me or just reassure me everything will be okay ???
Because life is very difficult right now.
Also I typed this on my phone, so if some words seem out of place, I probably missed a letter here or there and phone auto corrected.

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Hi All. I comment quite a bit on this forum because I want to be/stay involved as much as possible. So I’ve been through in-patient, medical detox 3 times in a row over these bottles. Once I left the final detox, I got to have a month’s supply of suboxone which is the only medication that has truly helped me and my cravings. However, where I live there aren’t many doctors who feel comfortable with prescribing suboxone. So, I left my prescription run out thinking I would be ok without it after a month. I lasted 7 days until I finally caved in. While on suboxone I didn’t have cravings at all. In fact I would feel nauseous and get headaches just thinking/remembering what taking Feel Free was like. Then out of nowhere it hit me like a ton of bricks. This was a month and a half ago. I started out with just 5 bottles but now I’m back to having 12+ a day. I am so in debt that I have panic attacks just thinking about how I have no money and will never have money again. I have hurt my relationship so much that my boyfriend and I are having relationship ending fights at least twice a week now. My skin is terrible and so dry that I leave dust everywhere I sit, lay down, or where I change my clothes. How embarrassing. And I should know better. Again I’ve been through in-patient detox 3 times to get off this shit. And now here I am not even 2 months later trying to get back into a detox that will accept me. I’ve felt depressed, hopeless, and worthless before but what I’m feeling now is so much stronger and sadder than that. I knew better than to use these things again. I knew all about the consequences as well as the lawsuits. As a recovering alcoholic, I knew that meetings were a better choice than to buy these things. But I still made, and keep making, the stupid decision to buy these things. I tried to be strong and go cold turkey a week ago. I didn’t make it and have relapsed harder than before. I look like death. I have dark circles under my very dry eyes. My skin looks worse than before no matter how much lotion I use. My hair that’s already been so damaged from my alcohol and previous Feel Free addiction looks terrible. My hands and nails seem like they’ve aged 20 years overnight. No energy whatsoever, deep depression, and just tired. I am finally reaching out for help again. I know that the only way I can succeed is if I do in-patient treatment/rehab again. As much as I absolutely hate rehab, I know that this is better for everyone in my life in the long run. I don’t want to see my amazing boyfriend look so sad and defeated whenever he sees me. He deserves better. I really can’t put into words how angry I am with myself for relapsing. Why is it so fuckin hard to let these go? (Sorry for cussing) Why can’t I find euphoria in other things like reading or writing like I used to? I was not perfect but over 10 years ago no one could even get me to have one drink. I was extremely sober, mostly because I had a mother who was an abusive addict my whole life. I didn’t want to be her-I still don’t. But here I am, almost 40 and living my life exactly like how she lived hers. Hell I was buying them back when they didn’t label the kratom on the bottle. I could get a box of them for $75-80 because they weren’t popular and were pretty cheap. Now everywhere I go sells them for $10 per bottle. That’s insane! It’s insane I will keep forking out that money for them too-maxing out credit cards and begging for money off my boyfriend. I’m such a loser.
I do know that coming to this group has made a huge difference for me. Before I found this group I thought I was the only one who was addicted to these things. The support and wisdom of so many of you has impacted me in a way that no rehab or therapist has been able to. One day I hope everyone is off this shit. I hope the company Botanic Tonic goes under and that the owner loses all suits against him. But mostly, I hope that all of us heal and move on and away from these things.

The question: Do a person working the same job pay less taxes under the Tax Cuts and Jobs Act (TCJA) than he did the year prior to the passing of the Tax Cuts and Jobs Act?
His position is that you get less refund at the end of the year so the extra money you get in your monthly paycheck isn't really more money and you end up paying more taxes.
I tried to explain to him that's because of the revised withholding table. So you can't withhold as much and get a big refund at the end of the year. And that refunds are not free money, refunds are just the return of your withholdings in excess of what you owe.
I also mentioned the change personal exemptions to standard deduction helps the poor since poor people typically underutilize itemized deductions (renters with no mortgage and too poor to owe state taxes) and near doubling their deductions not to mention child tax credits.
Anyways, he counters with a comment from a youtube video where an user claims he used to get 3k in refund before TCJA now he owes 5k under TCJA.
I explain A: it's some rando on the internet. B. He forgot to fiddle with his withholdings?
I'm tying to explain to him: It doesn't matter if your paycheck is bigger or smaller if you work you pay taxes, the size of refund or amount due at the end of the year also doesn't matter. What matters is how much the IRS takes from you and under TCJA they take less than before TCJA for most people, including the poors.
He gave me $10 to make this post so you guys can tell me I'm wrong.

Long story short, I co-signed a mortgage with my sister 2 years ago on a house and are in the process of selling it. Closing date is in a little less than a month. Things have gotten bad ever since her boyfriend moved in about a year ago to the point where I felt the need to get out for my own sake, it has been a toxic environment and he has gotten fired from 4 jobs in less than a year span and has been living practically rent free and not holding his weight. Once the sale is all said in done with, the check should be in mine and hers name, I was curious if it’s possible once that check comes through I can deposit x amount in my account and y would go in hers. I do not trust that if she deposits it in hers that I will see the money that I was promised they have been very shady and have screwed me over already by letting the mortgage be 2 months late and my credit took a beating because of it because she would “take care of the bills”.

In about 16 months starting from 0 I've racked up about $15K worth of points (valued at 1c/pp) almost entirely through SUBs, only used about 5K. Have opened and churned somewhere around 13 cards, both business and regular. Don't know why but it's so addicting, always scouring for the next bonus. I see it as leaving money on the table if I don't do it. Pretty dumb hobby.
My current plan that I'd like feedback on:

• BILT for rent, $480/year back
• Chase business cards every 3 months for $750-$900 in SUBs
• Keep Chase Sapphire Reserve open, I redeem often at 1.5x. Also get $540 value out of card credits so this is a no brainer
• MAYBE: Keep VentureX open after year 1 if I figure out a better use for my Chase points and downgrade/cancel my Reserve. This card is effectively free so I think I'll keep it around for a while ($400 credits on a $400 card)
• CANCELLING: Amex Platinum after year 2. Got a 50k ($500) retention offer after year 1. Math works out in my favour with $200 travel credit + $180 Uber so I kept it, but I don't use any other benefits (never been lucky enough to encounter a Centurion Lounge while travelling)

Point usage:

• Chase at 1.5x, VentureX point usage for regular international flights to Canada and Latin America, and domestic economy within USA + LatAm. Occasional rental car in LatAm at 1.5x
• Sitting on 700K Amex points that I don't know what to do with. I wanted to cash out at 1.1c/pp using Schwabb Platinum but they recently killed double dipping on the SUB for that, so I'd be paying $700 for the privilege of cashing out my points.

We always heard about the "Free" cruise offer you could get from on board spending. When we finally got it, I knew I wanted to book. I ended up booking a 4 night cruise for $100 deposit per person (that is refunded as OBC) +port fees and tax. I just assumed this would be a better deal than the other offers I had received. This was my mistake.
Now, as the cruise gets closer I am seeing I could get the same room for essentially the same total price with a $500 OBC credit offer. So I am missing out on $300 OBC on what is supposed to be an amazing deal. This sucks especially because we really wanted to go for the drink package this time around. We also have a way way worse room than we could have had with the other offer. It really is unfortunate.What should I do in this situation? Take the loss or talk to Carnival? I don't think the deposit is refundable, I wish a had looked a little closer back when I booked.

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It’s been a while since I finished the main Reckoners trilogy and I just now managed to listen to Lux on Audible thanks to a free credit I got. I’m enjoying what I’m listening to so far and it feels great coming back to this very interesting superhero/dystopia hybrid. I just have a few notes I want to put down and the ones I feel that are spoilers will be put into spoiler text just in case
-normally, when the scene changes from the main action to an extended flashback, it would be annoying, but I’ve really liked the extended flashback because it showed the inner workings of Reckoners bootcamp, which iirc wasn’t seen in the original trilogy because David had undergone his own training between the timeskip
-the impression for Zev (or was it Zeb?) reminds me of the voice of Uncle Ruckus from The Boondocks minus the blaccent and exaggerated stuff that Ruckus says in the show
-I was excited when to see Prof again and I had an audible “oh shit!” reaction when Obliteration was mentioned (he reminds me of Bane from TDK and when I read his dialog in the original trilogy, I read it in TDK Bane’s voice)
-I thought Wingflare had wings, but I later realized she just had very powerful telekinesis. That’s terrifying as shit. I also went like 😮 when Zev described how Paige’s family they looked like after being targeted by Gravitron. It wouldn’t be out of place in a horror film, that’s for sure
-the character Hershel reminds me of the character of the same name from The Walking Dead and I love the mental image of TWD’s Hershel fighting Epics with other Reckoners.
-i tend to create mental images of my friends in books I read or listen to and I definitely envisioned a female friend I had in high school as the epic Lovestruck (my friend was actually pretty sweet and friendly, so it’s odd she was the one I envisioned as Lovestruck). Also, I thought Lovestruck had the power of mind control and kept around her lovestricken devotees as slaves because they want to appease her any way possible
-when I heard that one of the members got half a face after Jax disregarded the plan, I was like “oh shit, Two-Face from DC!”
Also, does anybody know how Lux fits into The Reckoners timeline? I think it’s before the last book of the trilogy, but I don’t know

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Virgo ♍️ Earn 5$ for signing up plus an extra 15$ when you make a deposit of 100$

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2. Deposit 100$ and the 20$ will be credited to your account at midnight the following night
   
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3. you’ll be credited 10$ in btc which you can sell and withdraw
   

I’m unable to post this link on reddit for some reason so just give me a pm and we can sort it out if your interested
——————————————————————————
Banking account 🏦
—————————————————————————— Upbank Simply sign up and you’ll receive a free 10$ to spend however you please.
(Upbank provides a card and bank account details to spend the 10$ instantly)
Upbank link: https://hook.up.me/brodiemc
—————————————————————————-
Revolut Receive 60$ from me when you signup to revolut and make 3 purchases of 10$ or more.

1. Signup using my link
2. Deposit money into your account via bank transfer or debit card.
3. add your revolut card to apple pay and make 3 x 10$ purchases (i split up my groceries for this)
4. I did the learn program for the crypto on this app and earn some extra money

Revolut Link: https://revolut.com/referral/?referral-code=brodie2ylk!APR2-24-AR-AU
Must show proof of completion using my link to be rewarded the 60$ ——————————————————————————
Stock Exchanges 📈📊
——————————————————————————
Spaceship 🚀 Free 20$ when you invest 10$

1. signup using this code S8VZB1NV1D and complete kyc
   
2. deposit 10$ into your chosen portfolio and your bonuses will be added over the next couple business days
   
3. withdraw your 30$ and enjoy your money
   

——————————————————————————
Sharesies 🍍 Sharesies just upped there program to a Free 10$ instead of 5$ until the 30th of June for signing up and completing kyc

1. Signup and complete kyc
   
2. you’ll receive a free 5$ to invest in a stock
   
3. buy and sell a stock of your choice and then your able to withdraw into your bank
   

Sharesies Link: https://sharesies.com/7879KF
——————————————————————————
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Just putting a little note here to say sharesies just upped my referral amount from 5$ to 10$ ——————————————————————————
Cryptocurrency 🪙
—————————————————————————— (AVAILABLE WORLDWIDE) Luno 🌗 Earn 35$ when you sign up and invest 199$.

1. Sign up with my invite link
2. Deposit and buy $199 in any crypto (Luno exchange not included)
3. We both get $35.00 free BTC

Luno Link: https://www.luno.com/invite/Z7FBVY
——————————————————————————
Virgo ♍️ Earn 5$ for signing up plus an extra 15$ when you make a deposit of 100$

1. Signup and complete your kyc.
   
2. Deposit 100$ and the 20$ will be credited to your account at midnight the following night
   
3. Withdraw straight back out into your bank account
   

Virgo Link: https://virgo.co/au/register?code=9fh4Bhgb
——————————————————————————
Btc . com . au 🎖️ Free 10$ when you signup and make a trade of any amount

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Btc . com . au link: https://portal.bitcoin.com.au/invite/ZDEUUU
——————————————————————————
Independent Reserve 💰 Free 10$ when you signup and make a trade of any amount

1. Signup using my link
   
2. make a investment into a stock (minimum 1$ i think)
   
3. you’ll be credited 10$ in btc which you can sell and withdraw
   

this one’s very similar to btc . com . au
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——————————————————————————
Coinstash 🪙 Receive 10$ btc when you complete your first trade

1. Signup using my link
   
2. make a investment into a stock (minimum 1$ i think)
   
3. you’ll be credited 10$ in btc which you can sell and withdraw
   

Coinstash Link: https://coinstash.com.au?a=knfd8p7s
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Coinspot
Receive 10$ btc when you complete your first trade

1. Signup using my link
   
2. make a investment into a stock
   
3. you’ll be credited 10$ in btc which you can sell and withdraw
   

I’m unable to post this link on reddit for some reason so just give me a pm and we can sort it out if your interested
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Banking account 🏦
—————————————————————————— Upbank Simply sign up and you’ll receive a free 10$ to spend however you please.
(Upbank provides a card and bank account details to spend the 10$ instantly)
Upbank link: https://hook.up.me/brodiemc
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Revolut Receive 60$ from me when you signup to revolut and make 3 purchases of 10$ or more.

1. Signup using my link
2. Deposit money into your account via bank transfer or debit card.
3. add your revolut card to apple pay and make 3 x 10$ purchases (i split up my groceries for this)
4. I did the learn program for the crypto on this app and earn some extra money

Revolut Link: https://revolut.com/referral/?referral-code=brodie2ylk!APR2-24-AR-AU
Must show proof of completion using my link to be rewarded the 60$ ——————————————————————————
Stock Exchanges 📈📊
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Spaceship 🚀 Free 20$ when you invest 10$

1. signup using this code S8VZB1NV1D and complete kyc
   
2. deposit 10$ into your chosen portfolio and your bonuses will be added over the next couple business days
   
3. withdraw your 30$ and enjoy your money
   

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Sharesies 🍍 Sharesies just upped there program to a Free 10$ instead of 5$ until the 30th of June for signing up and completing kyc

1. Signup and complete kyc
   
2. you’ll receive a free 5$ to invest in a stock
   
3. buy and sell a stock of your choice and then your able to withdraw into your bank
   

Sharesies Link: https://sharesies.com/7879KF
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Stake Asx Free Nike, Dropbox or Gopro stock

1. Signup using the link below
   
2. complete kyc and deposit 50$ to fund your account
   
3. withdraw your deposit and your free stock and enjoy your money
   

Stake Link: https://hellostake.com/brodiem838?name=Brodie

Working 2024 Stake Referral Code
CODE: emilyh479