Mass mutual insurance company
A place for Indians to discuss and evaluate Investments
2013.01.16 19:30 PlsDontBraidMyBeard A place for Indians to discuss and evaluate Investments
A place for Indians to discuss investments, finance, economics and insurance.
2024.05.15 16:43 MightBeneficial3302 The Benefits of Investing in Gold: Why It’s a Good Decision $GLDR
 | In the vast universe of investment opportunities, gold stands out not just for its glitter but for its enduring value and historical significance. The allure of gold has not diminished over the centuries; instead, it has woven itself into the fabric of financial stability and wealth preservation. Herein, we delve into why investing in gold is not only a prudent decision but one that could safeguard your financial future in ways that other assets cannot. submitted by MightBeneficial3302 to wallstreetbetsHIGH [link] [comments] Why Investing in Gold is a Good Decision The decision to include gold in one’s investment portfolio is driven by several compelling factors. First and foremost, gold is universally recognized for its intrinsic value. Unlike paper currency, whose value can be eroded by inflation or government policies, gold’s worth is not tied to the performance of a particular economy. This unique characteristic makes it a sought-after asset for those looking to preserve their wealth over time. Moreover, the resilience of gold becomes particularly evident during periods of market volatility. When stocks and bonds are buffeted by the storms of financial markets, gold often remains a beacon of stability. Its price movements are not directly correlated with those of other assets, making it an excellent tool for diversification. This uncorrelated behavior is a testament to gold’s standing as a safe haven in times of economic uncertainty. Lastly, the liquidity of gold is another factor that contributes to its attractiveness as an investment. Gold can be easily bought or sold in various forms, from physical bars and coins to gold-backed exchange-traded funds (ETFs). This ease of transaction ensures that investors can quickly adjust their positions in response to changing economic conditions, enhancing gold’s appeal as a versatile asset. https://preview.redd.it/f54z74v0ql0d1.jpg?width=988&format=pjpg&auto=webp&s=664f0172e4db3dc2e7c69028f07354b8c6860d04 Historical Performance of Gold as an Investment The historical performance of gold is a testament to its enduring value and appeal as an investment. Over the centuries, gold has not only preserved wealth but, in many instances, has significantly appreciated in value. This long-term appreciation is particularly notable when compared to other assets that may depreciate due to technological advancements or changes in consumer preferences. During periods of high inflation, gold has historically outperformed other investments. Its value tends to rise when the purchasing power of fiat currencies declines, thereby providing a hedge against inflation. This characteristic was notably evident during the 1970s, a decade marked by high inflation, during which gold prices surged. Furthermore, gold’s performance during economic downturns has reinforced its reputation as a safe haven. In the aftermath of the 2008 financial crisis, for example, investors flocked to gold, driving up its price. This flight to safety highlighted gold’s role as a stabilizing force amidst economic turmoil. Hedge Against Inflation and Economic Downturns One of the most compelling reasons to invest in gold is its ability to act as a hedge against inflation and economic downturns. Inflation erodes the purchasing power of money, diminishing the real value of cash holdings and fixed-income investments such as bonds. Gold, however, maintains its purchasing power over the long term. As the cost of goods and services increases, so does the price of gold, thereby preserving the value of investors’ holdings. In addition to its inflation-hedging properties, gold offers protection during economic downturns. During such times, investors often lose confidence in traditional assets like stocks and bonds. The uncertainty that pervades financial markets during recessions drives investors toward safer assets, and gold is frequently the beneficiary of this shift in sentiment. Its ability to maintain value when other assets are declining is a crucial reason why gold is considered a cornerstone of a well-diversified portfolio. https://preview.redd.it/hyw65m33rl0d1.jpg?width=988&format=pjpg&auto=webp&s=f53130b142f59318c4b91175451b2b5b07a58f6e Diversification in Your Investment Portfolio Diversification is a fundamental principle of investing aimed at reducing risk. By spreading investments across different asset classes, investors can mitigate the impact of a poor performance by any single asset. Gold plays a vital role in this diversification strategy due to its low correlation with other financial assets. Including gold in a portfolio can reduce volatility and improve returns over the long term. Studies have shown that portfolios containing a mix of stocks, bonds, and gold have outperformed those without gold, particularly during times of market stress. This diversification benefit is a key reason why financial advisors often recommend allocating a portion of an investment portfolio to gold. Tangible Value and Stability of Gold Gold’s tangible nature is another factor that contributes to its appeal as an investment. Unlike digital assets or paper money, gold is a physical substance that has been valued by human societies for millennia. This tangible value provides a sense of security and permanence that is unmatched by many other investments. The stability of gold is also reflected in its supply. Gold cannot be produced at the same pace as paper money or digital currencies, which central banks can create at will. The limited supply of gold, combined with its enduring demand, underpins its value and makes it a stable investment over the long term. Protection Against Currency Devaluation Currency devaluation is a risk that affects all investors, regardless of the currency in which they hold their assets. When a currency loses value, it takes more units of that currency to purchase the same amount of goods or services. Gold offers protection against this risk because it is priced in currency terms. As the value of a currency declines, the price of gold in that currency tends to rise, preserving the purchasing power of investors’ holdings. This protection is especially valuable in countries with volatile currencies or those prone to inflationary pressures. For investors in such environments, gold can serve as a safe haven, protecting against the adverse effects of currency devaluation. Tax Advantages of Investing in Gold Investing in gold can offer certain tax advantages, depending on the jurisdiction and the form of gold investment. For example, some countries do not levy capital gains tax on gold investments, or they may offer favorable tax treatment compared to other assets. These tax benefits can enhance the overall return on gold investments, making it an even more attractive option for investors. It’s important for investors to consult with a tax advisor to understand the specific tax implications of investing in gold in their country. Taking advantage of these tax benefits can maximize the returns from gold investments and contribute to a more efficient investment strategy. https://preview.redd.it/nlm0q226rl0d1.jpg?width=988&format=pjpg&auto=webp&s=844c2ffbd8f8607903bc8c235e931023ef9c0ed0 Different Ways to Invest in Gold There are several ways to invest in gold, each with its own set of advantages and considerations. Physical gold, in the form of bars or coins, is a popular option for its tangible value and direct ownership. However, it requires secure storage and insurance, which can incur additional costs. Gold ETFs and mutual funds offer a more convenient way to invest in gold without the need for physical storage. These financial instruments are traded on stock exchanges and are backed by physical gold or gold futures contracts. They provide liquidity and ease of trading but may come with management fees. Gold mining stocks and mutual funds are another avenue for gold investment. These options involve investing in companies that mine gold, offering potential for dividends and capital appreciation. However, they also carry risks related to the performance of individual companies and the mining sector as a whole. Risks and Considerations of Investing in Gold While gold offers many benefits as an investment, there are also risks and considerations that investors should be aware of. The price of gold can be volatile in the short term, driven by factors such as currency fluctuations, interest rates, and geopolitical events. This volatility requires a long-term perspective and a tolerance for price fluctuations. Additionally, investing in physical gold involves costs for storage and insurance, which can erode returns. Investors should carefully consider these costs and weigh them against the benefits of holding physical gold. Finally, it’s important to recognize that gold does not produce income, such as dividends or interest, which some investors may seek from their investments. This lack of income should be considered in the context of an overall investment strategy and financial goals. Conclusion: Is Investing in Gold Right for You? Investing in gold offers a range of benefits, including diversification, protection against inflation and currency devaluation, and stability in times of economic uncertainty. However, like any investment, it also comes with risks and considerations that must be carefully evaluated. For those seeking to preserve wealth and reduce risk in their investment portfolio, gold can be an excellent choice. Its historical performance, tangible value, and role as a hedge against economic downturns make it a compelling option for many investors. Ultimately, whether investing in gold is right for you depends on your financial goals, risk tolerance, and investment strategy. By carefully considering these factors, you can make an informed decision about including gold in your investment portfolio. |
2024.05.15 16:42 MightBeneficial3302 The Benefits of Investing in Gold: Why It’s a Good Decision $GLDR
 | In the vast universe of investment opportunities, gold stands out not just for its glitter but for its enduring value and historical significance. The allure of gold has not diminished over the centuries; instead, it has woven itself into the fabric of financial stability and wealth preservation. Herein, we delve into why investing in gold is not only a prudent decision but one that could safeguard your financial future in ways that other assets cannot. submitted by MightBeneficial3302 to pennystocks [link] [comments] Why Investing in Gold is a Good Decision The decision to include gold in one’s investment portfolio is driven by several compelling factors. First and foremost, gold is universally recognized for its intrinsic value. Unlike paper currency, whose value can be eroded by inflation or government policies, gold’s worth is not tied to the performance of a particular economy. This unique characteristic makes it a sought-after asset for those looking to preserve their wealth over time. Moreover, the resilience of gold becomes particularly evident during periods of market volatility. When stocks and bonds are buffeted by the storms of financial markets, gold often remains a beacon of stability. Its price movements are not directly correlated with those of other assets, making it an excellent tool for diversification. This uncorrelated behavior is a testament to gold’s standing as a safe haven in times of economic uncertainty. Lastly, the liquidity of gold is another factor that contributes to its attractiveness as an investment. Gold can be easily bought or sold in various forms, from physical bars and coins to gold-backed exchange-traded funds (ETFs). This ease of transaction ensures that investors can quickly adjust their positions in response to changing economic conditions, enhancing gold’s appeal as a versatile asset. https://preview.redd.it/ez8mkx50ql0d1.jpg?width=988&format=pjpg&auto=webp&s=5fd4cf149168abaf3422646916b966d7350e8f53 Historical Performance of Gold as an Investment The historical performance of gold is a testament to its enduring value and appeal as an investment. Over the centuries, gold has not only preserved wealth but, in many instances, has significantly appreciated in value. This long-term appreciation is particularly notable when compared to other assets that may depreciate due to technological advancements or changes in consumer preferences. During periods of high inflation, gold has historically outperformed other investments. Its value tends to rise when the purchasing power of fiat currencies declines, thereby providing a hedge against inflation. This characteristic was notably evident during the 1970s, a decade marked by high inflation, during which gold prices surged. Furthermore, gold’s performance during economic downturns has reinforced its reputation as a safe haven. In the aftermath of the 2008 financial crisis, for example, investors flocked to gold, driving up its price. This flight to safety highlighted gold’s role as a stabilizing force amidst economic turmoil. Hedge Against Inflation and Economic Downturns One of the most compelling reasons to invest in gold is its ability to act as a hedge against inflation and economic downturns. Inflation erodes the purchasing power of money, diminishing the real value of cash holdings and fixed-income investments such as bonds. Gold, however, maintains its purchasing power over the long term. As the cost of goods and services increases, so does the price of gold, thereby preserving the value of investors’ holdings. In addition to its inflation-hedging properties, gold offers protection during economic downturns. During such times, investors often lose confidence in traditional assets like stocks and bonds. The uncertainty that pervades financial markets during recessions drives investors toward safer assets, and gold is frequently the beneficiary of this shift in sentiment. Its ability to maintain value when other assets are declining is a crucial reason why gold is considered a cornerstone of a well-diversified portfolio. https://preview.redd.it/axd5xwn3rl0d1.jpg?width=988&format=pjpg&auto=webp&s=daf36b3d4977dc5f3026b149148ced1ccdc0bacd Diversification in Your Investment Portfolio Diversification is a fundamental principle of investing aimed at reducing risk. By spreading investments across different asset classes, investors can mitigate the impact of a poor performance by any single asset. Gold plays a vital role in this diversification strategy due to its low correlation with other financial assets. Including gold in a portfolio can reduce volatility and improve returns over the long term. Studies have shown that portfolios containing a mix of stocks, bonds, and gold have outperformed those without gold, particularly during times of market stress. This diversification benefit is a key reason why financial advisors often recommend allocating a portion of an investment portfolio to gold. Tangible Value and Stability of Gold Gold’s tangible nature is another factor that contributes to its appeal as an investment. Unlike digital assets or paper money, gold is a physical substance that has been valued by human societies for millennia. This tangible value provides a sense of security and permanence that is unmatched by many other investments. The stability of gold is also reflected in its supply. Gold cannot be produced at the same pace as paper money or digital currencies, which central banks can create at will. The limited supply of gold, combined with its enduring demand, underpins its value and makes it a stable investment over the long term. Protection Against Currency Devaluation Currency devaluation is a risk that affects all investors, regardless of the currency in which they hold their assets. When a currency loses value, it takes more units of that currency to purchase the same amount of goods or services. Gold offers protection against this risk because it is priced in currency terms. As the value of a currency declines, the price of gold in that currency tends to rise, preserving the purchasing power of investors’ holdings. This protection is especially valuable in countries with volatile currencies or those prone to inflationary pressures. For investors in such environments, gold can serve as a safe haven, protecting against the adverse effects of currency devaluation. Tax Advantages of Investing in Gold Investing in gold can offer certain tax advantages, depending on the jurisdiction and the form of gold investment. For example, some countries do not levy capital gains tax on gold investments, or they may offer favorable tax treatment compared to other assets. These tax benefits can enhance the overall return on gold investments, making it an even more attractive option for investors. It’s important for investors to consult with a tax advisor to understand the specific tax implications of investing in gold in their country. Taking advantage of these tax benefits can maximize the returns from gold investments and contribute to a more efficient investment strategy. https://preview.redd.it/skv01qg5rl0d1.jpg?width=988&format=pjpg&auto=webp&s=839dad49d167abab36dda5edc2cae1f3a7cb9978 Different Ways to Invest in Gold There are several ways to invest in gold, each with its own set of advantages and considerations. Physical gold, in the form of bars or coins, is a popular option for its tangible value and direct ownership. However, it requires secure storage and insurance, which can incur additional costs. Gold ETFs and mutual funds offer a more convenient way to invest in gold without the need for physical storage. These financial instruments are traded on stock exchanges and are backed by physical gold or gold futures contracts. They provide liquidity and ease of trading but may come with management fees. Gold mining stocks and mutual funds are another avenue for gold investment. These options involve investing in companies that mine gold, offering potential for dividends and capital appreciation. However, they also carry risks related to the performance of individual companies and the mining sector as a whole. Risks and Considerations of Investing in Gold While gold offers many benefits as an investment, there are also risks and considerations that investors should be aware of. The price of gold can be volatile in the short term, driven by factors such as currency fluctuations, interest rates, and geopolitical events. This volatility requires a long-term perspective and a tolerance for price fluctuations. Additionally, investing in physical gold involves costs for storage and insurance, which can erode returns. Investors should carefully consider these costs and weigh them against the benefits of holding physical gold. Finally, it’s important to recognize that gold does not produce income, such as dividends or interest, which some investors may seek from their investments. This lack of income should be considered in the context of an overall investment strategy and financial goals. Conclusion: Is Investing in Gold Right for You? Investing in gold offers a range of benefits, including diversification, protection against inflation and currency devaluation, and stability in times of economic uncertainty. However, like any investment, it also comes with risks and considerations that must be carefully evaluated. For those seeking to preserve wealth and reduce risk in their investment portfolio, gold can be an excellent choice. Its historical performance, tangible value, and role as a hedge against economic downturns make it a compelling option for many investors. Ultimately, whether investing in gold is right for you depends on your financial goals, risk tolerance, and investment strategy. By carefully considering these factors, you can make an informed decision about including gold in your investment portfolio. |
2024.05.15 16:41 Cooper_Fallout Seeking Advice: Wife's Health Insurance Debt - Need Help and Recommendations
 | Hello everyone, submitted by Cooper_Fallout to germany [link] [comments] I'm reaching out seeking guidance and help regarding my wife's insurance debt, which stemmed from events that occurred in the past. The debt in question originates from two distinct periods: one in 2014, lasting 19 days, and another in 2016, spanning two months. Both incidents are labeled as "Beitraegemitglieder." Despite my limited understanding, I've gathered from my wife that she didn't receive hospitalization, special treatment, or medication during these times. She explains that she was unemployed due to reasons such as childbirth. Understanding the situation has been challenging for me, especially since I'm not fluent in German. However, I'm aware that medical insurance is a fundamental right in Germany, and it's perplexing why she should be burdened with this debt to the Audi BKK insurance company. It's important to note that over the past decade, my wife has been employed for at least six years, dutifully paying her insurance taxes and unemployment contributions. When she fell ill in August 2022 and required sick leave, the insurance company shockingly denied her benefits, insisting she register as unemployed with the Arbeitsambt to access unemployment benefits. Even after this arduous process, she faced further hurdles with the Jobcenter. Recently, the situation escalated when the insurance company withdrew over 1000 Euros from her account, despite our efforts to negotiate through AWO (Schuldner and Insolvenz beratung). Despite offering a monthly installment plan of 50 euros through AWO and requesting detailed explanations for the debt, our attempts were rebuffed. The terse response we received only added to our frustration. >>> Sehr geehrte damen und herren, Bezuglich o.g. angelenheit teilen wir ihnen mit, dass wir dem von ihnen unterbreiteten aubergerichtichen verglechsvorschalg nicht zustimmen konnen. der vorliegende schuldenbereinungsplan ist für uns nicht akzeptabel. Falls es zur erofnnung elnes eines insolvenzverfahrens kommt, bitten wir um entsprechende mitteilung. Bei ruckfragen stehen wir ihnen gerne zur verfurugung Mit freundlichen grussen. >>> While initially, we aimed to resolve this without resorting to legal action, today's developments have left us feeling disheartened. We're now considering pursuing legal avenues, including seeking compensation through a lawsuit against the insurance company. Before proceeding with legal action, we're turning to Reddit for advice. Are there any alternative, cost-effective routes or organizations we can explore before involving a lawyer? Any input would be greatly appreciated. Apologies for any grammatical errors, as German is not my strongest language. Thank you for your time and understanding. https://preview.redd.it/u1y3ijiwql0d1.jpg?width=2048&format=pjpg&auto=webp&s=76151c24f1265d0e23e3c45fa857765e78ce4c8b https://preview.redd.it/xwtqw56xql0d1.png?width=921&format=png&auto=webp&s=7749be1c6ccb45e915b202493922cb4cc5ce63cc |
2024.05.15 16:40 kaerphilly Rate Increase Advice?
I am more than a year working with my US client (since April 2023), and I have actually been an all-around real estate VA for him, admin stuff, tenant management, calling counties, insurance, and powewater companies, handling CRM, handling Facebook page, etc.
Despite that, my rate is 8USD per hour only, but the catch is I asked to work 8AM EST-12PM EST, break for 6 hours for my sleeping time (I specifically negotiated with this), then 6PM-10PM EST naman. It’s a 40-hour pay, but most of the time, wala na akong masyadong workload after 8pm est.
Now, my client tasked me to handle his personal FB account as well and nag expand kami to IG to market his properties. Note that we already have a website, a Facebook business page, and I cater to texts as well. This is non-voice btw so I don’t answer calls.
I have been planning to ask him for an increase kahit 2USD lang after a year, but after this expansion, I feel like that it’s still underpaid so I want to ask a 5USD increase instead.
It that unreasonable of me? I don’t want to lose this client because although he might micromanage at times, mabait siya talaga, which is a plus for me.
What are your thoughts?
submitted by kaerphilly to buhaydigital [link] [comments]
Despite that, my rate is 8USD per hour only, but the catch is I asked to work 8AM EST-12PM EST, break for 6 hours for my sleeping time (I specifically negotiated with this), then 6PM-10PM EST naman. It’s a 40-hour pay, but most of the time, wala na akong masyadong workload after 8pm est.
Now, my client tasked me to handle his personal FB account as well and nag expand kami to IG to market his properties. Note that we already have a website, a Facebook business page, and I cater to texts as well. This is non-voice btw so I don’t answer calls.
I have been planning to ask him for an increase kahit 2USD lang after a year, but after this expansion, I feel like that it’s still underpaid so I want to ask a 5USD increase instead.
It that unreasonable of me? I don’t want to lose this client because although he might micromanage at times, mabait siya talaga, which is a plus for me.
What are your thoughts?
2024.05.15 16:40 bostonmovingcompany Mastering Your Move: Essential Moving Tips for 2024
Imagine this: You’re standing in your soon-to-be-former living room, surrounded by boxes stacked high and memories lingering in the air. The excitement of a new beginning mingles with the stress of the impending move. But fear not, because in this article, we’re bringing you the ultimate moving tips for 2024. From practical packing hacks to emotional strategies for navigating the transition, we’ve got you covered.
Important tips: Tips for Efficient Unpacking
Contact Your Favorite Local Movers
Experience a seamless moving experience with Premium Q Moving and Storage as your favorite local movers. Get your personalized quote:
Subscribe now for a smoother, stress-free move and a brighter new chapter in your life. Let’s go beyond boxes together!
submitted by bostonmovingcompany to u/bostonmovingcompany [link] [comments]
Moving tips for 2024:
Plan Ahead with Precision:
The key to a successful move lies in meticulous planning. Start by creating a detailed timeline outlining tasks such as decluttering, packing, hiring movers, and notifying utility companies. Allocate specific dates for each task to stay organized and avoid last-minute chaos.Declutter and Donate:
Moving presents the perfect opportunity to declutter your belongings and lighten your load. Take stock of your possessions and separate items into categories: keep, donate, sell, and discard. Donate gently used items to local charities or host a garage sale to turn clutter into cash.Pack Strategically:
When it comes to packing, efficiency is paramount. Invest in quality packing supplies such as sturdy boxes, bubble wrap, packing tape, and markers. Pack room by room, labeling boxes clearly with their contents and destination room to streamline the unpacking process at your new home.Protect Your Valuables:
Certain items, such as fragile heirlooms, electronics, and important documents, require extra care during transit. Wrap delicate items in bubble wrap or packing paper and secure them in labeled boxes. Consider purchasing insurance for valuable items to provide added peace of mind.Stay Connected:
In the midst of the chaos, it’s essential to stay connected with your support system. Lean on friends and family for emotional support and practical assistance throughout the moving process. Communicate openly with your moving company to ensure a smooth and stress-free experience.Prepare Your New Space:
Before moving day arrives, take time to prepare your new home for your arrival. Clean and disinfect surfaces, change the locks for added security, and set up essential utilities such as electricity, water, and internet. Create a welcoming environment by arranging furniture and personalizing the space to make it feel like home from day one.Important tips: Tips for Efficient Unpacking
Conclusion:
In conclusion, embarking on a move can be both exciting and daunting, but with the right strategies and support, you can navigate the process with confidence. At Premium Q Moving and Storage, we understand the challenges of moving and are here to help you every step of the way. From expert packing and transportation to secure storage solutions, we move lives, not things. Contact us today to learn more about how we can make your move a seamless and stress-free experience.Contact Your Favorite Local Movers
Experience a seamless moving experience with Premium Q Moving and Storage as your favorite local movers. Get your personalized quote:
- For Tampa: at (813)-733-4481, visit www.premiumqmoving.com/tampa-moving or contact us at [tampa@premiumqmoving.com](mailto:Tampa@premiumqmoving.com). Follow us on instagram u/tampamoving.
- For Boston: at (781)-549-8789, visit www.premiumqmoving.com or contact us at [sales@premiumqmoving.com](mailto:sales@premiumqmoving.com). Follow us on instagram @premiumqmoving.
Listen/Watch Life Beyond Boxes Podcast Episodes Below
Catch the latest episode of the Life Beyond Boxes podcast now! Tune in for captivating conversations and eye-opening insights:- Listen on Apple Podcasts: Life Beyond Boxes Podcast
- Listen on Amazon Music: Life Beyond Boxes Podcast
- Listen on Spotify: Life Beyond Boxes Podcast
- Listen on Boomplay: Life Beyond Boxes Podcast
- Watch on YouTube: Life Beyond Boxes Podcast
Subscribe now for a smoother, stress-free move and a brighter new chapter in your life. Let’s go beyond boxes together!
2024.05.15 16:35 Upstairs_Rhubarb4858 Navigating Life's Uncertainties: The Importance of Insurance
In the unpredictable journey of life, insurance stands as a stalwart companion, offering protection and peace of mind in the face of unforeseen events. Whether it's safeguarding our health, securing our homes, or ensuring our loved ones are provided for in our absence, insurance plays a pivotal role in mitigating risks and fortifying our financial stability.
Understanding Insurance:
At its core, insurance is a contractual agreement between an individual or entity and an insurance company. In exchange for regular premium payments, the insurer pledges to provide financial compensation in the event of specified losses, damages, illnesses, or death. This arrangement allows individuals to transfer the risk of potential losses to the insurer, thereby alleviating the burden of bearing those costs alone.
Types of Insurance:
Insurance encompasses a wide array of coverage types tailored to meet diverse needs:
In an ever-changing world fraught with uncertainties, insurance serves as a beacon of stability and resilience, offering protection, security, and peace of mind. Whether it's safeguarding our health, homes, or financial well-being, insurance is an indispensable tool for navigating life's unpredictable terrain with confidence and assurance. By embracing the principles of risk management and financial preparedness, individuals can embark on their life journeys with resilience, knowing that they are fortified against whatever challenges may lie ahead.
In the unpredictable journey of life, insurance stands as a stalwart companion, offering protection and peace of mind in the face of unforeseen events. Whether it's safeguarding our health, securing our homes, or ensuring our loved ones are provided for in our absence, insurance plays a pivotal role in mitigating risks and fortifying our financial stability.
submitted by Upstairs_Rhubarb4858 to u/Upstairs_Rhubarb4858 [link] [comments]
Understanding Insurance:
At its core, insurance is a contractual agreement between an individual or entity and an insurance company. In exchange for regular premium payments, the insurer pledges to provide financial compensation in the event of specified losses, damages, illnesses, or death. This arrangement allows individuals to transfer the risk of potential losses to the insurer, thereby alleviating the burden of bearing those costs alone.
Types of Insurance:
Insurance encompasses a wide array of coverage types tailored to meet diverse needs:
- Life Insurance: Designed to provide financial support to beneficiaries in the event of the policyholder's death, life insurance ensures that loved ones are protected and provided for after the insured's passing. It can also serve as a valuable estate planning tool, offering tax benefits and liquidity to heirs.
- Health Insurance: Vital for accessing quality healthcare without incurring exorbitant expenses, health insurance covers medical costs ranging from routine check-ups to emergency treatments. With healthcare costs on the rise, having adequate health insurance is indispensable for safeguarding both physical well-being and financial stability.
- Property Insurance: Whether it's our homes, vehicles, or belongings, property insurance shields against losses caused by theft, damage, or natural disasters. Homeowners insurance, renters insurance, and auto insurance are common forms of property insurance, providing peace of mind by mitigating the financial repercussions of unforeseen calamities.
- Disability Insurance: In the event of an illness or injury that renders an individual unable to work, disability insurance offers income replacement, ensuring that essential expenses can still be met despite the loss of earning capacity. It serves as a crucial safety net, preserving financial stability and preventing a sudden plunge into hardship due to unforeseen circumstances.
- Liability Insurance: Protecting individuals and businesses from legal liabilities arising from negligence or wrongdoing, liability insurance covers legal expenses and damages awarded to third parties in lawsuits. Whether it's professional liability insurance for professionals or general liability insurance for businesses, this coverage shields against potentially ruinous legal claims.
- Financial Security: Insurance provides a buffer against financial hardships by mitigating the impact of unexpected events. By transferring risk to insurers, individuals can protect their assets, savings, and livelihoods from being depleted by unforeseen expenses.
- Peace of Mind: Knowing that oneself, loved ones, and possessions are protected against unforeseen circumstances brings a profound sense of peace and security. Instead of dwelling on the uncertainties of the future, individuals can focus on living their lives with confidence and optimism.
- Risk Management: Insurance is a cornerstone of prudent risk management, allowing individuals and businesses to identify, assess, and mitigate potential risks. By having appropriate insurance coverage in place, individuals can effectively manage risks and navigate life's uncertainties with resilience and foresight.
- Legal Compliance: In many jurisdictions, certain forms of insurance, such as auto insurance or workers' compensation insurance, are mandatory by law. Compliance with these legal requirements not only avoids penalties but also ensures that individuals fulfill their ethical and social responsibilities by protecting themselves and others.
In an ever-changing world fraught with uncertainties, insurance serves as a beacon of stability and resilience, offering protection, security, and peace of mind. Whether it's safeguarding our health, homes, or financial well-being, insurance is an indispensable tool for navigating life's unpredictable terrain with confidence and assurance. By embracing the principles of risk management and financial preparedness, individuals can embark on their life journeys with resilience, knowing that they are fortified against whatever challenges may lie ahead.
Read More about Insurance
https://besthospitalsus.com/In the unpredictable journey of life, insurance stands as a stalwart companion, offering protection and peace of mind in the face of unforeseen events. Whether it's safeguarding our health, securing our homes, or ensuring our loved ones are provided for in our absence, insurance plays a pivotal role in mitigating risks and fortifying our financial stability.
2024.05.15 16:35 Simple_Idea_6869 Career question for recruiters
Career progression
So I accepted a job offer at a larger Euro banks NYC office. This was my first job out of undergrad. It’s a temp to permanent employment (that’s how they hire everyone). I have been here for about 7 months and the conversation is starting about employing me full-time W2 in my current position between my groups MD and HR. Current I make $45/hr + OT (I don’t get much OT). So just under 95k/ year. I don’t get a 401k match, the benefits are pretty ass, the health insurance is expensive (I bought my own plan elsewhere)…. When I sit down with HR about making me a W2 employee what should I expect? Will they cut my base pay and justify it as “now you get a 401k match, transit checks, bonus potential, gym pass, etc.? Any tips for negotiating when this comes to the table? I was told to use my PTO days by the end of the month so I don’t lose them because it seems they’re set on bringing me aboard full-time around the end of this month. Any advice would be appreciated, I’ve also reached out to my network about applying elsewhere. I’m wondering how much they pay the recruiting company which in turn pays me 45/ hour. They have to be paying around 60-65 if I had to guess.
submitted by Simple_Idea_6869 to recruiting [link] [comments]
So I accepted a job offer at a larger Euro banks NYC office. This was my first job out of undergrad. It’s a temp to permanent employment (that’s how they hire everyone). I have been here for about 7 months and the conversation is starting about employing me full-time W2 in my current position between my groups MD and HR. Current I make $45/hr + OT (I don’t get much OT). So just under 95k/ year. I don’t get a 401k match, the benefits are pretty ass, the health insurance is expensive (I bought my own plan elsewhere)…. When I sit down with HR about making me a W2 employee what should I expect? Will they cut my base pay and justify it as “now you get a 401k match, transit checks, bonus potential, gym pass, etc.? Any tips for negotiating when this comes to the table? I was told to use my PTO days by the end of the month so I don’t lose them because it seems they’re set on bringing me aboard full-time around the end of this month. Any advice would be appreciated, I’ve also reached out to my network about applying elsewhere. I’m wondering how much they pay the recruiting company which in turn pays me 45/ hour. They have to be paying around 60-65 if I had to guess.
2024.05.15 16:35 GentleGamerz Advice on stolen bicycle and insurance
So I found myself in a pretty weird situation.
I got a new bicycle just under 2 months ago and this Saturday I wanted to use but noticed that the chain was broken. Tried to fix it but it kept falling and noticed the frame was a bit bent. I went to a nearby service and they told me it cannot be fixed and the bike cannot be repaired.
I called my insurance company and let them know my bike got vandalised and they said my insurance doesn't cover damages, only theft and fire damage.
I went and bought a new bike out of my own money shortly after because I need one.
I left my old bike locked in front of my apartment in a big bike parking area and literally 3 days later its gone.
Now I would really like to get the insurance money but I realise I would look extremely suspicious in their eyes, asking them for money to fix the broken bike, getting denied and then a few days later making a claim that it was stolen.
Now I really don't want to commit insurance fraud by accident and get a criminal record for no reason. Do you think I should contact the police about the stolen bike and make a claim or drop it and be safe?
submitted by GentleGamerz to copenhagen [link] [comments]
I got a new bicycle just under 2 months ago and this Saturday I wanted to use but noticed that the chain was broken. Tried to fix it but it kept falling and noticed the frame was a bit bent. I went to a nearby service and they told me it cannot be fixed and the bike cannot be repaired.
I called my insurance company and let them know my bike got vandalised and they said my insurance doesn't cover damages, only theft and fire damage.
I went and bought a new bike out of my own money shortly after because I need one.
I left my old bike locked in front of my apartment in a big bike parking area and literally 3 days later its gone.
Now I would really like to get the insurance money but I realise I would look extremely suspicious in their eyes, asking them for money to fix the broken bike, getting denied and then a few days later making a claim that it was stolen.
Now I really don't want to commit insurance fraud by accident and get a criminal record for no reason. Do you think I should contact the police about the stolen bike and make a claim or drop it and be safe?
2024.05.15 16:29 Diligent_Award_8986 Multiple dad's, custody and life insurance
I am looking for an estate attorney to set up a trust for my life insurance and small assets (pray they grow) for my 3 kids, and I want to know if this situation is realistic before I look for someone who can specialize for me.
I have:
20 year term 500k 30 year term 500k 10k in a 401k About 5k in various jewelry
I have three kids with three different fathers. I don't care what anyone thinks about that so yall can save ot share your commentary- they're awesome kids and I won the lottery getting all 3 of them.
My youngest is is with my husband.
I do not want my kids' dads, my exes, to take their portion of my life insurance or small estate.
I do not want my current husband to get our daughters portion of the life insurance/estate. I love him but his adult kids are not trustworthy and he is much older than me. That money could easily never make it to our 2 year old daughter by the time it all shook out if it was in his care alone.
I'd want all 3 kids to have a portion set up for their life expenses growing up, like a car at 16 or a senior trip, and I'd like the rest to stay in a savings/mutual fund for them until they reach a certain age. As a gift for them to use.
I assumed I'd divide it like this:
Husband: 100k 1st kid: 200k trust fund at 25, trust fund for 100k life expenses (therapy, braces, band camp) 2nd kid: same 3rd kid: same
401k Id like to divide equally among all 4 then + jewelry I'd like to wrote specific pieces to specific kids.
I do NOT want the kids life insurance to go to child support for their dad's.
Is this something realistic I can have an estate attorney do? I have recently been told that my husband legally would get everything and/or my kids dad's could sue the entire life insurance payout just for child support.
submitted by Diligent_Award_8986 to EstatePlanning [link] [comments]
I have:
20 year term 500k 30 year term 500k 10k in a 401k About 5k in various jewelry
I have three kids with three different fathers. I don't care what anyone thinks about that so yall can save ot share your commentary- they're awesome kids and I won the lottery getting all 3 of them.
My youngest is is with my husband.
I do not want my kids' dads, my exes, to take their portion of my life insurance or small estate.
I do not want my current husband to get our daughters portion of the life insurance/estate. I love him but his adult kids are not trustworthy and he is much older than me. That money could easily never make it to our 2 year old daughter by the time it all shook out if it was in his care alone.
I'd want all 3 kids to have a portion set up for their life expenses growing up, like a car at 16 or a senior trip, and I'd like the rest to stay in a savings/mutual fund for them until they reach a certain age. As a gift for them to use.
I assumed I'd divide it like this:
Husband: 100k 1st kid: 200k trust fund at 25, trust fund for 100k life expenses (therapy, braces, band camp) 2nd kid: same 3rd kid: same
401k Id like to divide equally among all 4 then + jewelry I'd like to wrote specific pieces to specific kids.
I do NOT want the kids life insurance to go to child support for their dad's.
Is this something realistic I can have an estate attorney do? I have recently been told that my husband legally would get everything and/or my kids dad's could sue the entire life insurance payout just for child support.
2024.05.15 16:28 Mindless_Mistake_665 I went through my ex's email and found out they are deceased.
My ex and I have dated for a year and 4 months before he cheated on me with a co-worker and we broke up. Prior to this we had Been living together.we moved in after 9 months together and I moved away to be closer to university.
I went to visit him about 2 months ago and that's when I found the chats. He apologized and said they never slept together but I proceeded to break up with him and took the rest of my stuff with me back to res. He reached out to me a couple of days later and we started talking again. I did not see us going back together but I had gotten Soo used to his calls and texts. Even though the conversations weren't as heartfelt or lengthy as before. It hurt a bit less knowing that he cared to checked up on me at least. I spoke to a friend about this and I told him I do not see a future between us. He encouraged me to cut all contact and focus on healing and moving forward if I don't want to get back with him.
The next morning the usual good morning text came from my ex and I didn't respond I just blocked him everywhere. He didn't try to reach out any other way. weeks have passed and now an email popped up and I saw it was to his email address it's from a funeral insurance company. (I know I shouldn't have went through his email) but the email talks about a claim. I don't know if they made a mistake but it read's along the lines of wanting a death certificate for him in order to proceed with a claim.. I don't know what to think.
Noone has reached out to me from his family, no posts on Facebook from his family or sister. It's been almost a 2 weeks since we last spoke. What should I do? I don't want to jump to conclusions.
submitted by Mindless_Mistake_665 to CharlotteDobreYouTube [link] [comments]
I went to visit him about 2 months ago and that's when I found the chats. He apologized and said they never slept together but I proceeded to break up with him and took the rest of my stuff with me back to res. He reached out to me a couple of days later and we started talking again. I did not see us going back together but I had gotten Soo used to his calls and texts. Even though the conversations weren't as heartfelt or lengthy as before. It hurt a bit less knowing that he cared to checked up on me at least. I spoke to a friend about this and I told him I do not see a future between us. He encouraged me to cut all contact and focus on healing and moving forward if I don't want to get back with him.
The next morning the usual good morning text came from my ex and I didn't respond I just blocked him everywhere. He didn't try to reach out any other way. weeks have passed and now an email popped up and I saw it was to his email address it's from a funeral insurance company. (I know I shouldn't have went through his email) but the email talks about a claim. I don't know if they made a mistake but it read's along the lines of wanting a death certificate for him in order to proceed with a claim.. I don't know what to think.
Noone has reached out to me from his family, no posts on Facebook from his family or sister. It's been almost a 2 weeks since we last spoke. What should I do? I don't want to jump to conclusions.
2024.05.15 16:25 SillySully777 Shipper price too high?
Hi everyone, first post here so hope I'm in the right place.
I'm getting an engine from a place in Texas, shipping it up here to Ohio.
Shipper's price for shipping is $900 and I'm wondering if there are cheaper options for that lane.
Do I try the big companies or search for some smaller carriers that could ship this as a partial?
It's on a pallet, not a crate. I definitely need insurance as I'm paying 12k for it.
submitted by SillySully777 to logistics [link] [comments]
I'm getting an engine from a place in Texas, shipping it up here to Ohio.
Shipper's price for shipping is $900 and I'm wondering if there are cheaper options for that lane.
Do I try the big companies or search for some smaller carriers that could ship this as a partial?
It's on a pallet, not a crate. I definitely need insurance as I'm paying 12k for it.
2024.05.15 16:25 Extra_Shopping3459 What can I expect from commercial litigation ?
I got a job offer, that I'm debating. The problem is that I don't really understand what the job would entail! The firm represents mostly insurance companies in commercial litigation (but not in tort cases). Does anyone have experience in this field?
submitted by Extra_Shopping3459 to Lawyertalk [link] [comments]
2024.05.15 16:23 waffles2go2 Vehicle total loss valuation (allstate) - any help appreciated
I have a total loss valuation from Allstate that seems a bit off and am wondering if I can get some help from this sub. I was not at fault.
The vehicle is a 2006 lexus es330 totaled in essex country MA. Two prior rear-ends, 170K miles, clean inside and out. Their valuation is $3500 base, plus $27 for condition, minus $232 for prior damage netting to $3.3K. I cannot find a similar condition car for this price anywhere... so it seems to be fairly low given edmunds is about $5.5K and they quote NADA as $5150 (but then drop $500 for milage netting $4650).
Allstate uses a third party valuation company (CCC).
They also state that comperables need to be from a dealer, not third parties...
They list "comparables" that are no longer listed for sale so hard to verify much of the detail, the additional comps are not in my state but in NJ....
So for comp valuation it gets somewhat weird, they have
$7K(138K miles) - 1.3K (for miles) - $750 Condition adjustment = $4.5K
$5K(172K miles) + 111 (for miles?!) - $750 condition adjustment = $3.7K
$5K(132K miles) - 1.3K (for miles) - $750 condition adjustment = $2.2K
There are some slight differences in the options, but it's unclear that there ever were "rear power shades" in this car.... and unless there was an exhaustive pull from "local dealer" not sure they had this detail (it wasn't provided in a summary only their "column of checks", another ?? is "xenon lights" which weren't around so would have had to be aftermarket and dealer would have had to put that detail in... (which I'm a bit dubious).
"Condition adjustment sets the comparable vehicle to private owner condition which the loss vehicle is also compared to in the vehicle condition section."
This seems sort of BS and arbitrary.
Also the math on the comps is weird, milage takeoffs seem non-sensical.
Spoke to the adjuster nicely and told him new tires (about $900) are 15 months old and he said if within 12 then send receipts.
Other than that, $3,3K was their best offer (I do want to retain the car so then they remove $770 - their total valuation).
I know the game of insurance is to pay out the lowest they can... so wondering if there's anything I can go back to them with given this summary. The condition adjustment seems to be weird as do the adjustments of the comps but not sure.
Thanks in advance and happy to add details.
submitted by waffles2go2 to Insurance [link] [comments]
The vehicle is a 2006 lexus es330 totaled in essex country MA. Two prior rear-ends, 170K miles, clean inside and out. Their valuation is $3500 base, plus $27 for condition, minus $232 for prior damage netting to $3.3K. I cannot find a similar condition car for this price anywhere... so it seems to be fairly low given edmunds is about $5.5K and they quote NADA as $5150 (but then drop $500 for milage netting $4650).
Allstate uses a third party valuation company (CCC).
They also state that comperables need to be from a dealer, not third parties...
They list "comparables" that are no longer listed for sale so hard to verify much of the detail, the additional comps are not in my state but in NJ....
So for comp valuation it gets somewhat weird, they have
$7K(138K miles) - 1.3K (for miles) - $750 Condition adjustment = $4.5K
$5K(172K miles) + 111 (for miles?!) - $750 condition adjustment = $3.7K
$5K(132K miles) - 1.3K (for miles) - $750 condition adjustment = $2.2K
There are some slight differences in the options, but it's unclear that there ever were "rear power shades" in this car.... and unless there was an exhaustive pull from "local dealer" not sure they had this detail (it wasn't provided in a summary only their "column of checks", another ?? is "xenon lights" which weren't around so would have had to be aftermarket and dealer would have had to put that detail in... (which I'm a bit dubious).
"Condition adjustment sets the comparable vehicle to private owner condition which the loss vehicle is also compared to in the vehicle condition section."
This seems sort of BS and arbitrary.
Also the math on the comps is weird, milage takeoffs seem non-sensical.
Spoke to the adjuster nicely and told him new tires (about $900) are 15 months old and he said if within 12 then send receipts.
Other than that, $3,3K was their best offer (I do want to retain the car so then they remove $770 - their total valuation).
I know the game of insurance is to pay out the lowest they can... so wondering if there's anything I can go back to them with given this summary. The condition adjustment seems to be weird as do the adjustments of the comps but not sure.
Thanks in advance and happy to add details.
2024.05.15 16:22 deme3243 Vehicle damaged by flooding while under Car Guru care?
Hi everyone.
Has anyone else been impacted by Car Guru's negligence and if so, I urge you to come forward and contact me so that we can get a large group of victims together and start a class action law suit against this company that continues to damage client's vehicles and cheat people out of their hard earned money.
So, like many of you, my car was a casualty of the flooding last month. At the time, my car, a Jaguar XF 2012 @190k km's, was at the Car Guru garage for a AED 7,500 Service, and they did not tell me that my car was impacted and held it for a further 8 days claiming they were waiting for the parts to come in as the floods led to the delays. On the 8th day following the flood, and 2 weeks after having my car, they informed me the work was done but the car would not start due to water damage! They advised that I should contact my insurance and the only way I could get a police report is after pleading with them to send me quotations of the water damage to be fixed! They refused to send me photos of my car. After further groveling and diligent following up with them and my insurance, my insurance Dubai National Insurance, DNI, has rejected my claim after advising a total loss of my vehicle, since the car was in the care of Car Guru at the time of the storm. Car Guru has stated they have no insurance and have no interest in reimbursing me for any damages or refunding me for the bogus service which should NOT have been carried out after my car was damaged by the rain - it was obviously unnecessary! Does anyone have any advice, besides reporting both my insurance and CG to the DED?
I hope to hear from many of you and I hope you can spread the word to other victims of CG's negligence to step forward.
Thanks so much for your time and support!
submitted by deme3243 to dubai [link] [comments]
Has anyone else been impacted by Car Guru's negligence and if so, I urge you to come forward and contact me so that we can get a large group of victims together and start a class action law suit against this company that continues to damage client's vehicles and cheat people out of their hard earned money.
So, like many of you, my car was a casualty of the flooding last month. At the time, my car, a Jaguar XF 2012 @190k km's, was at the Car Guru garage for a AED 7,500 Service, and they did not tell me that my car was impacted and held it for a further 8 days claiming they were waiting for the parts to come in as the floods led to the delays. On the 8th day following the flood, and 2 weeks after having my car, they informed me the work was done but the car would not start due to water damage! They advised that I should contact my insurance and the only way I could get a police report is after pleading with them to send me quotations of the water damage to be fixed! They refused to send me photos of my car. After further groveling and diligent following up with them and my insurance, my insurance Dubai National Insurance, DNI, has rejected my claim after advising a total loss of my vehicle, since the car was in the care of Car Guru at the time of the storm. Car Guru has stated they have no insurance and have no interest in reimbursing me for any damages or refunding me for the bogus service which should NOT have been carried out after my car was damaged by the rain - it was obviously unnecessary! Does anyone have any advice, besides reporting both my insurance and CG to the DED?
I hope to hear from many of you and I hope you can spread the word to other victims of CG's negligence to step forward.
Thanks so much for your time and support!
2024.05.15 16:21 Rainyfriedtofu Humana, Aetna likely to lose Medicare Advantage members: confirmation of what this reddit has been talking about for the past month
Hello Felllow ape,
It's rare that I post a low effort news post, but here it is.
https://www.modernhealthcare.com/insurance/aetna-humana-expect-medicare-advantage-membership-losses-2025
This is just another confirmation of what we have been talking about in the past months with our DDs and how large companies are in trouble with their decreasing margins. This is the exact same shit that OSCR did when it left California. In regions that these companies sucks at managed care, they will abandon and retreat.
For those of you who are interested in CLOV, back in Q42023 earning call, this was what they were talking about in terms of opportunistic financing. If these companies retreat, it will allow CLOV to come in and pick up these new members and do an easy growth instead of trying to steal members from these larger companies.
submitted by Rainyfriedtofu to Healthcare_Anon [link] [comments]
It's rare that I post a low effort news post, but here it is.
https://www.modernhealthcare.com/insurance/aetna-humana-expect-medicare-advantage-membership-losses-2025
This is just another confirmation of what we have been talking about in the past months with our DDs and how large companies are in trouble with their decreasing margins. This is the exact same shit that OSCR did when it left California. In regions that these companies sucks at managed care, they will abandon and retreat.
For those of you who are interested in CLOV, back in Q42023 earning call, this was what they were talking about in terms of opportunistic financing. If these companies retreat, it will allow CLOV to come in and pick up these new members and do an easy growth instead of trying to steal members from these larger companies.
2024.05.15 16:20 Honest-File9357 Why I'm vehemently FTP
Tl;dr Version for anyone who doesn't want to read a bit of a rant: This game is way too damn greedy.
Some Various disclaimers and background information before the rant:
1.The top heavy nature of the roster. "When everybody's special, no one will be"- Angry animated ginger dude (rip in peace). When I first started playing this game and doing some pulls I felt like a superstar, I mean wow I'm pulling all these super rares like it's nothing, even got all my counter girls maxed out and after about ~60 pulls I've managed 2 super super rares! Then I started to notice how all these "super rares" seem to have all hit max limit break and peeked at the Nikkepedia to realize the sad truth of this game. Given my past experiences with gacha I expected maybe something like 30% of the roster to be "SSR", not 95%. What's even more baffling is that the SSR actually does have it's own subcategory of "hey, these are actually the super rare ones" with Pilgrims having a miniscule chance to pull. I didn't want to put a list inside my list ( yo dawg, heard you like lists) but there's a few reasons why I really dislike this, and it was getting more and more "massive block of text" while I typed it so sorry.
-The first and probably most readily apparent issue being that it means you're unlocking new characters at a snails pace. It feels like the intended way to unlock new characters is to throw thousands of gems/ recruit rosters at the slot machine so you can do the high quality mold to actually have a chance (more on this later) to get a new character. I realize luck is a subjective matter, and yeah I've seen posts from people bragging about pulling 4-5 SSR in a pull, but objectively speaking the other gacha games were far more generous with the unlocking of new characters.
-Secondly, and probably what I hate the most, is that these "SSR" are simply not created equally (putting aside the obvious and aforementioned "actual SSR" of the pilgrims). I'm not saying every Nikke has to be an absolute powerhouse (more on this later) but if you want to make Nikkes that are just inferior versions of other Nikkes or have kits that just straight up aren't good, I dunno chief...maybe put them in a lower tier of the roster? Hell putting aside the meta/ actually caring about the kits of your waifus let's just talk about the lore/ backstory of these characters. Matis (my favorite squad, big hearts and kisses especially for Drake), the super star hero squad and best the Missilis company has to offer? Okay sure, makes sense they're SRR. Prima Donna Nikkes that...work in the music industry for some reason? Uh okay not sure why these military bots are making music but they're famous ig so why not, SSR it is. Oh hey Absolute, Rapi's former squad and supposed elite of Elysion now that's a contender for SSR for sure. Maid for you, Nikkes that run a maid cafe...well let's make em SSR. Okay okay I shouldn't hawk on the waifu game having waifus that are character archetypes even if it makes absolutely no sense in the setting of the game but you still get the point right? You have characters that are presented to you as the cream of the crop (in other words have lore friendly reasons to be classified as SSR) thrown into the same category of rarity of characters that work in maid cafes or other random civilian jobs/ hobbies. This all putting aside the actual strength of these character's kits (Matis is pretty good at least, big hearts and kisses) I'm simply referring to the story reasons for characters to be presented as "SSR".
-Thirdly this all just reeks of some system you see in a lot of games where they use certain words to artificially make you feel more accomplished, if that makes any sense. The lowest tier (of absolute garbage) is referred to as "rare", the slightly better but ultimately still useless (<3 u Rapi/ Anne) tier is "super rare", and the bulk of the roster is "super super rare." Fellas, that's not how the word "rare" works at all. I feel like most games at least refer to their filler trash as "common" or the like so why does the game call the, in lore, mass produced no personality foot soldier Nikkes "rare"? This leads back to "SSR" having it's own category of rarity, did they realize "SSSR" would look and sound stupid so that's why Pilgrims don't have their own category? I dunno, could have called it "ultra super dooper cream your pants because you're a real winner rare" or they could have just (alongside making some of the "unworthies" a lower tier) gone with 4 tiers with a more honest and conventional naming system (common- uncommon-rare-epic) but they didn't because that doesn't trigger the dopamine in slack jawed gamer so they like you more and spend more money or whatever reason so many games use terminology that feels like patting you on the back. Almost lost my cool there, sounding a lil schizo huh? Let's move on to the other main point to save face.
-Oh yeah, recommended power levels. A lot of games have the system of "increase your number to keep up with the enemies increasing number" but none of those feels like a slap in the face as this game's system of "you'll either meet this required number or we'll just nerf your damage to the ground" (evidently the exact percentage of this used to be a lot worse before they patched it, further proof that the playerbase isn't against the game being made more accessible). This is probably the part where the Nikke superfan tells me I just have a massive skill issue and it's totally possible to clear these missions at a deficit, and this is absolutely true. I've seem some superstars talking about clearing levels while under 20k or more the recommended amount (I've only managed 10k, all thanks to Crown whom I love and cherish) and you know what the secret to success is? I just hinted at it in those parenthesis but it comes down to pulling "the right" SSR Nikkes. Okay that's a little disingenuous , as there's a little bit of skill/ understanding of the games system involved and grinding out the various resources you need to level said actually good SSR Nikkes, but it doesn't change the fact that there are Nikkes you actually want if you care about progressing through the game and there's all the ones you don't that seemingly only exist to reduce your chances of pulling these Nikkes. Let's backtrack to that "wishlist" system for a bit, which is what is intended to make sure you get the (non pilgrim) Nikkes you want like Liter or Tia. You'll recall that the wishlist doesn't increase your total chance to pull a SRR (makes sense) but just ensures that you only pull the designated SSR, but the problem is this only applies to this normal pulling. It is still my opinion that most of the SSR you're gonna get are going to come from the various molds, which cleverly has no such system of wishliting (because let's be honest, this would probably destroy any incentive to pay money for people who don't care about costumes). So you're either dealing with a system of most likely not getting any SSR from normal pulling or having a slim chance of pulling the SSR you need (assuming you even pull a SSR to begin with) with the mold, neither of which sound too appealing to me
-Speaking of molds, and this probably going to be my most controversial take (or at the least the most demanding), it is blatantly unfair that high quality and company molds aren't a guaranteed SSR. In the case of of the high quality mold the process of getting one is slow enough (I maybe manage 1 a week, outside of events or CD redemption that may give more) and there are enough SSR (putting aside the fact that you want to pull the same SSR multiple times anyway) that I really don't think it would be that bad if you just don't let us get kicked in the gut by pulling Neon after all that effort. In the case of the company specific molds from the tribe towers you are quite literally hard limited to pulling 3-7 a day (assuming of course you have a squad capable of tackling the tower), and you're going to make them have an even lower total chance of a SSR than the normal high quality mold. I'm only half way to my pilgrim mold (I had to wait till crown before I even felt like starting the tower, because even doing the easiest levels is mind numbing with just one Nikke) but I've heard horror stories of going 5 pilgrim molds with no pilgrim in sight, and ngl I may just weep when it's my turn to experience that. If you want to further reduce the acquisition of molds to still encourage some spending that's fine by me, but please let us have some safety net in this ruthless Nikke grind.
That's pretty much it for the rant so I just want to finish with some closing thoughts. I really do like this game, honest, and I wouldn't mind supporting it if it just didn't make me feel so used and abused. There are plenty of games with microtransactions or additional content where it feels like you're buying them because you want to support the dev, not because it feels like they're holding a gun to your head, and I just want this game to feel more like the former. I'm happy to discuss this rant further if anybody has their own ideas and opinions (or even if people just want to defend the game) so let me know what yall think, assuming you even read that blob of text up there.
submitted by Honest-File9357 to NikkeMobile [link] [comments]
Some Various disclaimers and background information before the rant:
- No, this is post is not to shame people who aren't FTP. Do what you want with your money, I just want to explain why I don't think I'll ever support this game financially and see how the rest of the community feels. This is also not some propaganda to get you to either not spend money or stop spending money, or in other words by all means keep supporting Shift-Up and their products, do you boo.
- I'm not the biggest gacha game player, I've only played two prior to this (Girls Frontline and some Star Wars one), both that I did end up throwing a little money at to support them despite Nikke ultimately being more fun imo (just to show no, I'm not against in game purchases for free games out of principle)
- I do enjoy this game and don't imagine I'll stop playing any time soon, as far as phone games go this is probably the most fun I've had (not the highest bar to set, I know).
- I understand that ultimately the goal of any game is to generate income, and I don't hold it against any game. Rather I have a problem with how this game "encourages" you to spend money.
- I started playing this game during the RE:Zero collab and quickly came to this conclusion, don't know what ultimately compelled me to rant about it (maybe just one too many all blue pulls)
1.The top heavy nature of the roster. "When everybody's special, no one will be"- Angry animated ginger dude (rip in peace). When I first started playing this game and doing some pulls I felt like a superstar, I mean wow I'm pulling all these super rares like it's nothing, even got all my counter girls maxed out and after about ~60 pulls I've managed 2 super super rares! Then I started to notice how all these "super rares" seem to have all hit max limit break and peeked at the Nikkepedia to realize the sad truth of this game. Given my past experiences with gacha I expected maybe something like 30% of the roster to be "SSR", not 95%. What's even more baffling is that the SSR actually does have it's own subcategory of "hey, these are actually the super rare ones" with Pilgrims having a miniscule chance to pull. I didn't want to put a list inside my list ( yo dawg, heard you like lists) but there's a few reasons why I really dislike this, and it was getting more and more "massive block of text" while I typed it so sorry.
-The first and probably most readily apparent issue being that it means you're unlocking new characters at a snails pace. It feels like the intended way to unlock new characters is to throw thousands of gems/ recruit rosters at the slot machine so you can do the high quality mold to actually have a chance (more on this later) to get a new character. I realize luck is a subjective matter, and yeah I've seen posts from people bragging about pulling 4-5 SSR in a pull, but objectively speaking the other gacha games were far more generous with the unlocking of new characters.
-Secondly, and probably what I hate the most, is that these "SSR" are simply not created equally (putting aside the obvious and aforementioned "actual SSR" of the pilgrims). I'm not saying every Nikke has to be an absolute powerhouse (more on this later) but if you want to make Nikkes that are just inferior versions of other Nikkes or have kits that just straight up aren't good, I dunno chief...maybe put them in a lower tier of the roster? Hell putting aside the meta/ actually caring about the kits of your waifus let's just talk about the lore/ backstory of these characters. Matis (my favorite squad, big hearts and kisses especially for Drake), the super star hero squad and best the Missilis company has to offer? Okay sure, makes sense they're SRR. Prima Donna Nikkes that...work in the music industry for some reason? Uh okay not sure why these military bots are making music but they're famous ig so why not, SSR it is. Oh hey Absolute, Rapi's former squad and supposed elite of Elysion now that's a contender for SSR for sure. Maid for you, Nikkes that run a maid cafe...well let's make em SSR. Okay okay I shouldn't hawk on the waifu game having waifus that are character archetypes even if it makes absolutely no sense in the setting of the game but you still get the point right? You have characters that are presented to you as the cream of the crop (in other words have lore friendly reasons to be classified as SSR) thrown into the same category of rarity of characters that work in maid cafes or other random civilian jobs/ hobbies. This all putting aside the actual strength of these character's kits (Matis is pretty good at least, big hearts and kisses) I'm simply referring to the story reasons for characters to be presented as "SSR".
-Thirdly this all just reeks of some system you see in a lot of games where they use certain words to artificially make you feel more accomplished, if that makes any sense. The lowest tier (of absolute garbage) is referred to as "rare", the slightly better but ultimately still useless (<3 u Rapi/ Anne) tier is "super rare", and the bulk of the roster is "super super rare." Fellas, that's not how the word "rare" works at all. I feel like most games at least refer to their filler trash as "common" or the like so why does the game call the, in lore, mass produced no personality foot soldier Nikkes "rare"? This leads back to "SSR" having it's own category of rarity, did they realize "SSSR" would look and sound stupid so that's why Pilgrims don't have their own category? I dunno, could have called it "ultra super dooper cream your pants because you're a real winner rare" or they could have just (alongside making some of the "unworthies" a lower tier) gone with 4 tiers with a more honest and conventional naming system (common- uncommon-rare-epic) but they didn't because that doesn't trigger the dopamine in slack jawed gamer so they like you more and spend more money or whatever reason so many games use terminology that feels like patting you on the back. Almost lost my cool there, sounding a lil schizo huh? Let's move on to the other main point to save face.
- The way progression is handled (and how that ties to the roster) "When you come to it and you can't go through it and you can't knock it down, you know that you've found the wall, the wall, the wall." -Mark Henry (still kicking, I think). Gacha games, or really most games, have parts that are for the cream of the crop. The real go getters (or go spenders) who invest a lot of time (or money) into the game and are rewarded for it. Usually these are things like raids or other limited time events, typically speaking though it's not the main story of the game that's the major hurdle for the playerbase to surmount. Typically speaking there's a slow and steady incline of requirements for players to progress through the story of a game, be it skill (let's be honest, not really a factor for gacha games) or equipment/loot, but not here. Instead you have rapidly increasing arbitrary "recommended power levels" (yes, we'll talk about this later) coupled with a massive middle finger in the form of level limit/ limit breaking in a nice package of pain and inconvenience, because I hate you for enjoying and caring about the story we wrote (which the game will proceed to spoil in events, which have a way lower bar of entry) or something idk. Jamie, pull up that list again.
-Oh yeah, recommended power levels. A lot of games have the system of "increase your number to keep up with the enemies increasing number" but none of those feels like a slap in the face as this game's system of "you'll either meet this required number or we'll just nerf your damage to the ground" (evidently the exact percentage of this used to be a lot worse before they patched it, further proof that the playerbase isn't against the game being made more accessible). This is probably the part where the Nikke superfan tells me I just have a massive skill issue and it's totally possible to clear these missions at a deficit, and this is absolutely true. I've seem some superstars talking about clearing levels while under 20k or more the recommended amount (I've only managed 10k, all thanks to Crown whom I love and cherish) and you know what the secret to success is? I just hinted at it in those parenthesis but it comes down to pulling "the right" SSR Nikkes. Okay that's a little disingenuous , as there's a little bit of skill/ understanding of the games system involved and grinding out the various resources you need to level said actually good SSR Nikkes, but it doesn't change the fact that there are Nikkes you actually want if you care about progressing through the game and there's all the ones you don't that seemingly only exist to reduce your chances of pulling these Nikkes. Let's backtrack to that "wishlist" system for a bit, which is what is intended to make sure you get the (non pilgrim) Nikkes you want like Liter or Tia. You'll recall that the wishlist doesn't increase your total chance to pull a SRR (makes sense) but just ensures that you only pull the designated SSR, but the problem is this only applies to this normal pulling. It is still my opinion that most of the SSR you're gonna get are going to come from the various molds, which cleverly has no such system of wishliting (because let's be honest, this would probably destroy any incentive to pay money for people who don't care about costumes). So you're either dealing with a system of most likely not getting any SSR from normal pulling or having a slim chance of pulling the SSR you need (assuming you even pull a SSR to begin with) with the mold, neither of which sound too appealing to me
-Speaking of molds, and this probably going to be my most controversial take (or at the least the most demanding), it is blatantly unfair that high quality and company molds aren't a guaranteed SSR. In the case of of the high quality mold the process of getting one is slow enough (I maybe manage 1 a week, outside of events or CD redemption that may give more) and there are enough SSR (putting aside the fact that you want to pull the same SSR multiple times anyway) that I really don't think it would be that bad if you just don't let us get kicked in the gut by pulling Neon after all that effort. In the case of the company specific molds from the tribe towers you are quite literally hard limited to pulling 3-7 a day (assuming of course you have a squad capable of tackling the tower), and you're going to make them have an even lower total chance of a SSR than the normal high quality mold. I'm only half way to my pilgrim mold (I had to wait till crown before I even felt like starting the tower, because even doing the easiest levels is mind numbing with just one Nikke) but I've heard horror stories of going 5 pilgrim molds with no pilgrim in sight, and ngl I may just weep when it's my turn to experience that. If you want to further reduce the acquisition of molds to still encourage some spending that's fine by me, but please let us have some safety net in this ruthless Nikke grind.
That's pretty much it for the rant so I just want to finish with some closing thoughts. I really do like this game, honest, and I wouldn't mind supporting it if it just didn't make me feel so used and abused. There are plenty of games with microtransactions or additional content where it feels like you're buying them because you want to support the dev, not because it feels like they're holding a gun to your head, and I just want this game to feel more like the former. I'm happy to discuss this rant further if anybody has their own ideas and opinions (or even if people just want to defend the game) so let me know what yall think, assuming you even read that blob of text up there.
2024.05.15 16:19 Effective-Market-304 AITA if I uninvited my dad to my wedding?
Long time lurker, first time poster.
Sorry this may be a long one. First a little backstory. Names and locations will be changed to maintain anonymity.
I (35F) grew up in a blended family. My parents got divorced when I was 10 and my dad remarried when I was 11. In addition to my younger sister (33F) from his previous marriage to my mom, I gained a step brother (27 M) and later a half brother, Ben(22 M). My sister and I spent every other weekend and summers at his house and the four siblings grew really close. We’re all each other’s best friends. I get a long okay with my step mom (let’s call her Anna). As we got older my dad became less involved and sometimes distant and basically let her raise the boys how she saw fit. With a lack of rules at home and few opportunities to make mistakes to learn and grow into adults. They are in their 20s but they are very infantilized. The younger one is not even allowed to change his hairstyle without permission or go on out of state trips by himself. It’s really weird but I moved abroad a decade ago and everyone back home just allows it.
Now on to the story at hand:
I live in an Asian country and a few years ago I met the love of my life and after meeting my family back home decided to get married. We had planned on doing just a courthouse thing because we were both not very big on something traditional, but we got swept up in the excitement knowing that my Dad and Sister would come if we decided to do a proper wedding.
In this country, wedding planning tends to go pretty fast as everything is usually done by one company. We gave our out of town friends and family a heads up in February that we’d have a ceremony in the fall and that we will set headcount no later than late Spring.
My step mom anointed herself the wedding planner as she’s passionate about it. She also cannot make the trip due to a disability which makes it hard for her to get around. It was getting close to crunch time for the headcount planning so I contacted her asking “hey I haven’t heard from the boys and I can follow up with them too, but do you know if any are planning on coming?” She then answers “no because the baby doesn’t know his school schedule and the older one can’t afford it”.
I was hoping to at least have one join as I assumed one would want to stay behind to stay with Anna but I was a little sad that neither of them contacted me to let me know directly. I told my sister who connected with them and told them to get in touch. The youngest was shocked to hear that he wasn’t going as he was under the impression that he was going and he had even picked up extra shifts at work to save extra money. My step brother confirmed it was a money issue which was totally fine and I thanked him for letting me know. I’m now excited that one of my brothers will also be joining.
Fast forward to Mother’s Day and Anna tells no Ben is not going. My Dad asserts that “he doesn’t know how to clean his room so why should he go?”
Once I hear about this conversation I’m irritated as I keep getting conflicting answers and I need to set my headcount. I Message my dad to get an update and he affirms “no Ben is not going because he ran up our car insurance up so his extra money will go towards that and he has to stay home with Anna”. I call up my dad to try to figure things out as the story keeps changing. I mention that I’m totally okay if the boys can’t come especially if it comes down to money, but the communication around everything has been really frustrating. He then proceeds to gaslight me asking:
“I don’t know why you care some much about whether or not your brothers come to your wedding”
“You’re doing too much. You should have just done the courthouse and call it a day”
And making me out to be a bridezilla.
The call got a little heated but we neither of us got rude or nasty. I finally ended the call with “I got the boys aren’t coming. That’s fine. Once I get confirmation on the accommodations I’ll let you know. Love you and have a good night” we hang up and I go to bed after venting about the whole situation with my sister.
I wake up the next morning to find a short message from my dad saying he’s not going anymore and to have a nice wedding. He’ll give his spot to Ben.
I am shocked. Not only did he drop himself from the wedding but over a misunderstanding on his part. I never guilted anyone about not including my brothers and did not beg or anything. I literally just commented on how frustrated I was with their communication but he aggressively wants to misunderstand for some reason.
I wrote back explaining my position and mentioning my disappointment in his decision but let him know the door is open if he changes his mind. I tried to message Anna but she’s been ignoring messages. From what I heard from my sister she is team dad and busy trying to vilify me.
The next day my dad basically admitted that the reason why none of the brothers are not going is because of my step mom. (Which I was suspicious of). He didn’t apologize but basically doubled down on saying I care too much. He also added he would be at my wedding after all.
The whole interaction has left the worst taste in my mouth:
Thanks for reading.
submitted by Effective-Market-304 to AITAH [link] [comments]
Sorry this may be a long one. First a little backstory. Names and locations will be changed to maintain anonymity.
I (35F) grew up in a blended family. My parents got divorced when I was 10 and my dad remarried when I was 11. In addition to my younger sister (33F) from his previous marriage to my mom, I gained a step brother (27 M) and later a half brother, Ben(22 M). My sister and I spent every other weekend and summers at his house and the four siblings grew really close. We’re all each other’s best friends. I get a long okay with my step mom (let’s call her Anna). As we got older my dad became less involved and sometimes distant and basically let her raise the boys how she saw fit. With a lack of rules at home and few opportunities to make mistakes to learn and grow into adults. They are in their 20s but they are very infantilized. The younger one is not even allowed to change his hairstyle without permission or go on out of state trips by himself. It’s really weird but I moved abroad a decade ago and everyone back home just allows it.
Now on to the story at hand:
I live in an Asian country and a few years ago I met the love of my life and after meeting my family back home decided to get married. We had planned on doing just a courthouse thing because we were both not very big on something traditional, but we got swept up in the excitement knowing that my Dad and Sister would come if we decided to do a proper wedding.
In this country, wedding planning tends to go pretty fast as everything is usually done by one company. We gave our out of town friends and family a heads up in February that we’d have a ceremony in the fall and that we will set headcount no later than late Spring.
My step mom anointed herself the wedding planner as she’s passionate about it. She also cannot make the trip due to a disability which makes it hard for her to get around. It was getting close to crunch time for the headcount planning so I contacted her asking “hey I haven’t heard from the boys and I can follow up with them too, but do you know if any are planning on coming?” She then answers “no because the baby doesn’t know his school schedule and the older one can’t afford it”.
I was hoping to at least have one join as I assumed one would want to stay behind to stay with Anna but I was a little sad that neither of them contacted me to let me know directly. I told my sister who connected with them and told them to get in touch. The youngest was shocked to hear that he wasn’t going as he was under the impression that he was going and he had even picked up extra shifts at work to save extra money. My step brother confirmed it was a money issue which was totally fine and I thanked him for letting me know. I’m now excited that one of my brothers will also be joining.
Fast forward to Mother’s Day and Anna tells no Ben is not going. My Dad asserts that “he doesn’t know how to clean his room so why should he go?”
Once I hear about this conversation I’m irritated as I keep getting conflicting answers and I need to set my headcount. I Message my dad to get an update and he affirms “no Ben is not going because he ran up our car insurance up so his extra money will go towards that and he has to stay home with Anna”. I call up my dad to try to figure things out as the story keeps changing. I mention that I’m totally okay if the boys can’t come especially if it comes down to money, but the communication around everything has been really frustrating. He then proceeds to gaslight me asking:
“I don’t know why you care some much about whether or not your brothers come to your wedding”
“You’re doing too much. You should have just done the courthouse and call it a day”
And making me out to be a bridezilla.
The call got a little heated but we neither of us got rude or nasty. I finally ended the call with “I got the boys aren’t coming. That’s fine. Once I get confirmation on the accommodations I’ll let you know. Love you and have a good night” we hang up and I go to bed after venting about the whole situation with my sister.
I wake up the next morning to find a short message from my dad saying he’s not going anymore and to have a nice wedding. He’ll give his spot to Ben.
I am shocked. Not only did he drop himself from the wedding but over a misunderstanding on his part. I never guilted anyone about not including my brothers and did not beg or anything. I literally just commented on how frustrated I was with their communication but he aggressively wants to misunderstand for some reason.
I wrote back explaining my position and mentioning my disappointment in his decision but let him know the door is open if he changes his mind. I tried to message Anna but she’s been ignoring messages. From what I heard from my sister she is team dad and busy trying to vilify me.
The next day my dad basically admitted that the reason why none of the brothers are not going is because of my step mom. (Which I was suspicious of). He didn’t apologize but basically doubled down on saying I care too much. He also added he would be at my wedding after all.
The whole interaction has left the worst taste in my mouth:
- My parents tried to make me look like the bad guy just for trying to clarify head count.
- My dad tried to punish me by threatening not to come.
- My dad finally admitted that it’s Anna who is blocking her sons from going but instead of sticking up for me he lets her get away with it to “keep the peace”
- He never apologized for any of it.
Thanks for reading.
2024.05.15 16:16 jananidayooo My manager has been cold since I quit. Who should I use as a reference instead of him going forward?
Some background for you (but my main question is in the last paragraph): I started my first full-time career job a year ago at a small start-up (about 20 employees). Long story short, I ended up being on call every evening and weekend in this role and the work-life balance has been horrible. I hinted at the consistent after hours work issue during my probation period and when I realized nothing would change, I began mentioning the crazy hours in passing every week in my 1-on-1s with my manager.
By the 8 month mark everyone was complaining as a whole about the work life balance issue and one person in a related department has already left due to this. By the 10-11 month mark they finally began to slowly roll out some changes to on-call hours with more plans ahead but I was already applying at this point. Recently I got an offer at a larger company that would give me a better title, a 17% salary increase and better work life balance.
My manager has been a bit an ass since then. We've never been close (just very different people) but I felt that our professional relationship was pretty standard and that our respect for each other was mutual until recently. To give you a point of reference, the CEO decided to meet with me for an exit interview and expressed how great my work here has been and that he really saw me as someone that would be in management some day. He also said that he'd like me to stay in touch and let him know how I like the new role. When I expressed that same sentiment of wanting to stay in touch to my manager in our separate exit interview he said, "Well that ship has sailed." Lol.
Since then my manager has also made a rude remark about me not paying attention in a meeting with others around (I was), turned off his mike and camera to avoid socializing with me 1-on-1 while waiting for another colleague to join a meeting and has also told my colleague when I wasn't around that me leaving "must be a generational thing" and that I should've "spoken up more" (I did every week). Meanwhile that colleague said this to is also stressed and looking for a new role so he may not realize this comment will only further alienate him.
Anyway all of this to say my manager will most likely not be someone I want to count on as a reference in the future. Would using the CEO and/or my boss (who was also very nice about me leaving) be a good call going forward or would it look weird not to use my direct manager? I didn't work super closely with either my boss or the CEO but they've only heard great things about me over the last year. If a future employer were to ask for my last manager as a reference, what should I do?
submitted by jananidayooo to recruitinghell [link] [comments]
By the 8 month mark everyone was complaining as a whole about the work life balance issue and one person in a related department has already left due to this. By the 10-11 month mark they finally began to slowly roll out some changes to on-call hours with more plans ahead but I was already applying at this point. Recently I got an offer at a larger company that would give me a better title, a 17% salary increase and better work life balance.
My manager has been a bit an ass since then. We've never been close (just very different people) but I felt that our professional relationship was pretty standard and that our respect for each other was mutual until recently. To give you a point of reference, the CEO decided to meet with me for an exit interview and expressed how great my work here has been and that he really saw me as someone that would be in management some day. He also said that he'd like me to stay in touch and let him know how I like the new role. When I expressed that same sentiment of wanting to stay in touch to my manager in our separate exit interview he said, "Well that ship has sailed." Lol.
Since then my manager has also made a rude remark about me not paying attention in a meeting with others around (I was), turned off his mike and camera to avoid socializing with me 1-on-1 while waiting for another colleague to join a meeting and has also told my colleague when I wasn't around that me leaving "must be a generational thing" and that I should've "spoken up more" (I did every week). Meanwhile that colleague said this to is also stressed and looking for a new role so he may not realize this comment will only further alienate him.
Anyway all of this to say my manager will most likely not be someone I want to count on as a reference in the future. Would using the CEO and/or my boss (who was also very nice about me leaving) be a good call going forward or would it look weird not to use my direct manager? I didn't work super closely with either my boss or the CEO but they've only heard great things about me over the last year. If a future employer were to ask for my last manager as a reference, what should I do?
2024.05.15 16:16 pleasentlyPizza Lemonade homeowners insurance dropped me for galvanized/cast iron plumbing (CA)
After sending me a pain in the butt questionnaire and asking for a ton of photos, my homeowners insurance, Lemonade, has dropped me due to galvanized and cast iron plumbing. That’s it. I’m not in proximity to potential wildfires, nor am I in an earthquake zone. They asked if my 100 year old home was retrofitted for earthquakes and I had a report stating I’m not in an earthquake zone. I’m quite irritated.
Can anyone recommend a home insurance company that doesn’t care their home has galvanized plumbing? I’ll be asking my neighbors as well.
submitted by pleasentlyPizza to centuryhomes [link] [comments]
Can anyone recommend a home insurance company that doesn’t care their home has galvanized plumbing? I’ll be asking my neighbors as well.
2024.05.15 16:12 Callfernando New to this, so all help is welcomed!
Hello all I hope you all are having the best time of your life.
I would like to ask for your assistance here, but first, it might be worthy to share a little bit of my walk.
Professionally I always felt lost and really distant from where I would like to be. I graduated in laws in my country, and since I moved to the US 12 years ago, I never really pursued anything in this area.
Since my start in America, I have been working on logistics. An office job, that paid fairly well, however I always felt miserable, depressed, anxious, and lacking directions, purpose.
I was fired past year, and have not been looking for another position in this ever since. My guts were telling me that this was just not what I should do (I had a huge burnout, was feeling sick in getting back to a corporate position. Furthermore, I had a little savings that allowed me to support myself in this “sabbatical” time – I am really blessed and thankful to have been able to take this time off to take care of my mental health).
Moving forward to these days, I always had an old desire of opening my own business. All pros and cons, I wanted to be my own boss, there was no better time to do it, so I decided to pull the trigger and follow some of my passions. I moved out of my comfort zone, embracing the unknown, and opened a handyman business, all at 43 years young.
Previously, while corporate working, I felt miserable, now I feel invigorated with all the possibilities (I know is not all roses, but what in life is?).
I am at the very beginning of my journey, and getting directions can be quite overwhelming. So many questions… Looking online get me some answers, which brings to even more questions…
I tried to organize in topics, because my brain works better that way (and this helps keeping my ADHD at bay and I don’t lose myself in an "analysis paralysis" too often, neither get too distracted). =D
This is my scenario, to provide some context:
· I live in Miami, FL
· License: It is not mandatory for small jobs, but my goal is to provide a high level of professionalism, integrity, and quality workmanship so I am going to invest in getting licenses and certifications;
· Experience: I am able to tackle main handyman activities with ease (furniture assembly, minor repairs in drywall, doors, install light fixtures, blinds and so on), but I know I still have lots to learn.
· Company Structure: as of now, I have the following:
o LLC open and running;
o Insurance for liability has been brough;
o Business phone number;
o Online presence: I have a website domain bought and social media profiles created (all these need to be developed).
o Software:
§ QuickBooks: I have acquired QuickBooks for financing, and I am thinking in having a software for operations (such as Jobber or Markate). Since I am in the very beginning of my journey, it seems that this could be redundant. QuickBooks has the possibility of sending invoices and, this it might be all I need for now, because I really don’t have volume to justify having an operations app (since I am still working in building up my clientele). On the other hand, it would be nice to have all system set up since the very beginning. Thoughts?
I have the following “bullets” to tackle for now:
1. Financial aid: Do you have any suggestion on banking and other financial institutions (private or governmental) for loans, grants, etc.?
2. Pricing: I was always an employee, and now I run a business, with overhead costs to cover. My “old” mentality could prevent me from charging a fair price for my work (I might feel that I am charging too much for what I am doing). Have you even been through this? What did you do? While I am still building my expertise in pricing, I have been relying on the following assistance:
a. Homewyse: I have been using it for pricing reference, but, honestly, it seems that sometimes it is out of proportion its pricing seems too expensive sometimes;
b. ChatGPT: I have been using for pricing assistance;
3. Mentorship: have you ever had a mentor to help honing your skills in not only how to be a better Handyman, but also a better Businessman? If yes, where did you look for assistance? Did you pay?
I know that this is a huge topic and maybe too much to ask, but I would really appreciate all thoughts. What would be the best piece of advice you could give to your younger self on these matters?
Eventually, as my expertise grows, I will pay back the community 10 times fold, trying to help as much as I can. Because that’s who I am.
Thank you all in advance.
submitted by Callfernando to handyman [link] [comments]
I would like to ask for your assistance here, but first, it might be worthy to share a little bit of my walk.
Professionally I always felt lost and really distant from where I would like to be. I graduated in laws in my country, and since I moved to the US 12 years ago, I never really pursued anything in this area.
Since my start in America, I have been working on logistics. An office job, that paid fairly well, however I always felt miserable, depressed, anxious, and lacking directions, purpose.
I was fired past year, and have not been looking for another position in this ever since. My guts were telling me that this was just not what I should do (I had a huge burnout, was feeling sick in getting back to a corporate position. Furthermore, I had a little savings that allowed me to support myself in this “sabbatical” time – I am really blessed and thankful to have been able to take this time off to take care of my mental health).
Moving forward to these days, I always had an old desire of opening my own business. All pros and cons, I wanted to be my own boss, there was no better time to do it, so I decided to pull the trigger and follow some of my passions. I moved out of my comfort zone, embracing the unknown, and opened a handyman business, all at 43 years young.
Previously, while corporate working, I felt miserable, now I feel invigorated with all the possibilities (I know is not all roses, but what in life is?).
I am at the very beginning of my journey, and getting directions can be quite overwhelming. So many questions… Looking online get me some answers, which brings to even more questions…
I tried to organize in topics, because my brain works better that way (and this helps keeping my ADHD at bay and I don’t lose myself in an "analysis paralysis" too often, neither get too distracted). =D
This is my scenario, to provide some context:
· I live in Miami, FL
· License: It is not mandatory for small jobs, but my goal is to provide a high level of professionalism, integrity, and quality workmanship so I am going to invest in getting licenses and certifications;
· Experience: I am able to tackle main handyman activities with ease (furniture assembly, minor repairs in drywall, doors, install light fixtures, blinds and so on), but I know I still have lots to learn.
· Company Structure: as of now, I have the following:
o LLC open and running;
o Insurance for liability has been brough;
o Business phone number;
o Online presence: I have a website domain bought and social media profiles created (all these need to be developed).
o Software:
§ QuickBooks: I have acquired QuickBooks for financing, and I am thinking in having a software for operations (such as Jobber or Markate). Since I am in the very beginning of my journey, it seems that this could be redundant. QuickBooks has the possibility of sending invoices and, this it might be all I need for now, because I really don’t have volume to justify having an operations app (since I am still working in building up my clientele). On the other hand, it would be nice to have all system set up since the very beginning. Thoughts?
I have the following “bullets” to tackle for now:
1. Financial aid: Do you have any suggestion on banking and other financial institutions (private or governmental) for loans, grants, etc.?
2. Pricing: I was always an employee, and now I run a business, with overhead costs to cover. My “old” mentality could prevent me from charging a fair price for my work (I might feel that I am charging too much for what I am doing). Have you even been through this? What did you do? While I am still building my expertise in pricing, I have been relying on the following assistance:
a. Homewyse: I have been using it for pricing reference, but, honestly, it seems that sometimes it is out of proportion its pricing seems too expensive sometimes;
b. ChatGPT: I have been using for pricing assistance;
3. Mentorship: have you ever had a mentor to help honing your skills in not only how to be a better Handyman, but also a better Businessman? If yes, where did you look for assistance? Did you pay?
I know that this is a huge topic and maybe too much to ask, but I would really appreciate all thoughts. What would be the best piece of advice you could give to your younger self on these matters?
Eventually, as my expertise grows, I will pay back the community 10 times fold, trying to help as much as I can. Because that’s who I am.
Thank you all in advance.
2024.05.15 16:09 RedDedication Got My $$$ Back… R* did it right! 👍
Yesterday I wrote a post about my Deluxo disappearance after a mission. After hearing some responses back I put a ticket to R* using the chat option. The representative said my issue needed to be handled via email and would send me an email instead. I received email and filled out all the info. Less than 24 hours later R* deposited 6M for a refund. Story below about how I lost my Deluxo
~I did a supply run and at the end I was being changed by cops and my car blew up but I passed the mission. Once I was done with the mission I called the insurance company and paid by 10,000 to get my car back. Well, it is no where to be found. Anyone one else experience this?!?! ~
submitted by RedDedication to gtaonline [link] [comments]
~I did a supply run and at the end I was being changed by cops and my car blew up but I passed the mission. Once I was done with the mission I called the insurance company and paid by 10,000 to get my car back. Well, it is no where to be found. Anyone one else experience this?!?! ~
2024.05.15 16:09 Any_March_9765 shell company for health insurance co-op?
Apologize if this is not the right sub to post, but I can't think of anything more appropriate. So we all know if we have accumulated enough equity, the only thing enslaving us to a job is the threat of not having employer sponsored health insurance. IF I understand correctly, job insurance is cheaper partially b/c employer pay some or all premium, another reason is that with sheer volume of employees that presumably is average in health, the rates are lower vs individual. So, would it be viable to create a shell company for the purpose of getting cheaper insurance rate? The "employees" would be co-op members who participate but does not have a salary. I tried looking for "health co-op" but this concept does not seem to exist yet. Can anyone advise?
submitted by Any_March_9765 to antiwork [link] [comments]