It's Personal...

deaddmwalking · Post by **deaddmwalking** » Tue Nov 13, 2018 9:47 pm

Depending on the state in which you live, coverage for uninsured motorists may be included as part of your collision coverage, or may be a separate coverage listed.

If you have insurance, you shouldn't have to pay more than your deductible. Since you were making payments, you're required to have insurance, so this should all be taken care of.

Keep in mind that you can negotiate with your insurance company. You're typically supposed to receive the amount of money that it would cost to buy your vehicle (PRIOR TO THE CRASH) from a private party. I'd check online ads for the same year/make/model with similar miles in 100 miles of your area. If they offer you $5k less than people are asking, you show your adjuster those ads and tell them that you'd like to get closer to to the cost to get your same car on the road. You're not supposed to profit - you can't get more than your car would cost, but you shouldn't get significantly less, either.

Maj · Post by **Maj** » Tue Nov 13, 2018 10:15 pm

deaddmwalking wrote:If you have insurance, you shouldn't have to pay more than your deductible. Since you were making payments, you're required to have insurance, so this should all be taken care of.

When my car was totaled, I didn't have to pay the deductible; it was subtracted from the value of my car. And because I didn't happen to have an extra $1K lying around, what the company gave me was my budget for a new vehicle.

But I don't think that's the actual issue here. I think, if I'm reading correctly, that it's about saving money on gas... If he gets a car with lesser gas mileage, then it needs to be that much cheaper to purchase in the first place.

erik · Post by **erik** » Fri Nov 16, 2018 3:21 pm

So I’m running the sunless citadel adventure as my kids’ first dnd adventure. My 8 year old is mostly only entertained when he crits with his great sword which is typically massive overkill, but my 9 year old is super into it and made a new friend at school by somehow LARPing the module during recess. Anywho there’s a couple tunnels in the module that just say they go to the underdark and go on for miles underground. Last night near the end of the session the party decided this was the way to go. It’s been fun seeing how differently they do the mod than my friends and I did. Our DM was able get us back on track by having me run into some drow and then a drider when it was me going off the beaten path.

I suspect my kids are less easily dissuaded, so, new adventure I guess. I had a whole folder of one page dungeons with map PDFs and I went through that for a scaffold to build from. Always kinda fun to have one of those moments where you gather up the adventure notes stack them and put em away so you can take the new direction.

[edit: okay maybe not always fun to change gears. The party entered the new dungeon/cave that I spent a couple hours turning into a proper adventure, but right after I busted out my new map they "noped" out and exited in order to instead go deeper into the underdark.

Luckily I had plan C already in waiting in the wings though this 1 page dungeon appears to be 1st or 2nd edition DnD (since AC is inverted and it lists XP amount from treasure), so I'll be spot-fixing things as they appear.

Shrapnel · Post by **Shrapnel** » Mon Nov 19, 2018 8:34 pm

Yesterday (as in the day before) was my birthday. I came squalling into this world at approximately 1am on Monday November 18th, 1991 at the Brigham & Woman's hospital in Boston, Massachusetts.

Yay for me.

(I would've posted this on the 18th, but I didn't get home until late last night.)

erik · Post by **erik** » Mon Nov 19, 2018 9:05 pm

And what was your mother’s maiden name and the name of your first pet, if I may be so bold?

ill be disappointed if it isn’t starscream and some recordicon like Laserbeak

Shrapnel · Post by **Shrapnel** » Mon Nov 19, 2018 11:04 pm

If you want the reality of the situation...

No maiden name (Ma never married, making me a bastard in the literal sense and putting her in the same boat as Murphy Brown), and my first pet was a Great Dane named Dakota. After the hotel. Where Lennon got shot. My uncle, who was technically Dakota's owner, was a massive Beatles nerd.

But if you DON'T want that, then my mother's maiden name was Megaempress and my first pet was an Insecticon named Bob, and I was constructed cold in Con Facility 113 on 1st Cycle 402. (Look 'em up, I didn't make up a single bit.)

Maj · Post by **Maj** » Tue Nov 20, 2018 1:38 am

Ancient History · Post by **Ancient History** » Tue Nov 20, 2018 2:01 am

Happy birthday!

Shrapnel · Post by **Shrapnel** » Tue Nov 20, 2018 2:30 am

Thank you. Really, I mean it. Today I had a bit of a hit in the self-esteem department, so I really appreciate all this. Again, thanks.

Thaluikhain · Post by **Thaluikhain** » Tue Nov 20, 2018 3:07 am

Happy un-birthday for today, and happy birthday for the other day.

Count Arioch the 28th · Wed Nov 21, 2018 1:17 am

Tumblr is in the process of purging porn blogs. It's unfortunate, that's literally the only thing of value Tumblr offered.

Shrapnel · Post by **Shrapnel** » Wed Nov 21, 2018 1:24 am

That and racialists.

Count Arioch the 28th · Wed Nov 21, 2018 2:07 am

I don't trust any race classification that would put me in the same race as a damn dirty belgian.

Count Arioch the 28th · Fri Nov 23, 2018 9:34 pm

Depressed. My side-chick has cancelled every single date we had for the past two months. Obviously, that means she's not my side-chick anymore. I wish I had figured that out earlier, I'm still really bad at interpreting human behavior.

Ancient History · Post by **Ancient History** » Fri Nov 23, 2018 10:41 pm

Your failures are more successful than my life.

Prak · Post by **Prak** » Fri Nov 23, 2018 11:00 pm

Dude, AH, you're a fucking published writer and a recognized Mythos scholar. My best writing credits are a community college newspaper, and the quick start rules for an indie RPG. Hell, I wrote a story for the Kickstarter for that RPG, and it didn't get used because it didn't fit the creator's vision of the setting, so I don't even have that.

Your life blows mine out of the fucking water.

Ancient History · Post by **Ancient History** » Fri Nov 23, 2018 11:34 pm

You had a side chick. I don't even have a picture of my left hand in my wallet. Grass, greener, all that.

Count Arioch the 28th · Sat Nov 24, 2018 12:04 am

It helps if you're willing to date people that are crazier than a shithouse rat.

Ancient History · Post by **Ancient History** » Sat Nov 24, 2018 1:34 am

Point.

Thaluikhain · Post by **Thaluikhain** » Sat Nov 24, 2018 3:50 am

I'm single and not a published author and can't do a convincing Yorkshire accent.

Hicks · Post by **Hicks** » Sat Nov 24, 2018 3:46 pm

My brother stole my identity years ago and committed crimes in my name in multiple states; He went to the DMV in multiple states and illegally gotten a liscence with my name but with his face... then got DUI and drug charges. Last year he was arrested for raping a woman, and because of how Minnesota state law whenever I get a background check *his rape conviction* pops up as I am an *alias of my brother*.

So now I gotta carry around an official paper from the Minnesota regestry of criminal offenders to prove to anyone that does any background check that I am not a convicted mushroom seller and rapist.

And we found out about that just as I was changing jobs. Lost everything except Karen. And for the year it took to clear my name of his crimes and get that paper I was unhirable as a multiple conviction offender and rapist.

Other than that tho, can't really complain.

Josh_Kablack · Post by **Josh_Kablack** » Tue Nov 27, 2018 10:16 pm

Josh and Darcy are looking to buy a house. Darcy has her heart set on the place that is within 2 blocks of the place we currently rent. Josh keeps pointing out that this house is at least 10% over our absolute maximum budget and it would *need* non-trivial amounts of money and effort put into repairs and modifications to work for us. Also, while the mechanicals are sound, a lot of them are old enough that they are highly likely to incur substantial repair costs within our first decade of home ownership. Furthermore, the sellers have already reduced the asking price multiple times -- so there is unlikely to be much room to try to haggle a lower price.

This morning a new listing pops up. It is 1.8 miles (as the googlemaps walks) from the place I currently rent). It is listed for 57% of what the closer place is going for, which puts it quite comfortably within our price range. From the listing photos it looks in notably better shape than the place within 2 blocks. But Darcy outright refuses to even go see it, because "it's too far from everything".

So, apparently, she sees having to walk 25 minutes to get to the grocery store instead of 12 as being worth the sort of price differential that means delaying retirement by 3+ years.

Stahlseele · Post by **Stahlseele** » Tue Nov 27, 2018 10:37 pm

Darcy can get on a fucking bicycle and shut up about being too far away from stuff.

Josh_Kablack · Post by **Josh_Kablack** » Tue Nov 27, 2018 10:53 pm

She already has a pretty nice Fuji Absolute that I got for her last year, so she doesn't need to get one.

"But there's a hill. " Was her response to my suggestion that she might have to use it a bit more.

I tried to counter with "that's not a hill this is a hill: http://www.frontiernet.net/~rochballpar ... canton.htm "

but that didn't go well.

Maj · Post by **Maj** » Wed Nov 28, 2018 12:21 am

Wow. That's like the hill I live on. It's why we don't walk to downtown half a mile away. But we totally drive to downtown, park, and walk around.

I would honestly rather not be broke all the time and have to make different travel plans, than be more stressed about the budget and the condition of my house but be able to walk.