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$250,000 isn't anywhere near enough for spinal surgery/rehab.
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Jul 25, 2016 17:23
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Yeah that's a loving bullshit policy.
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Jul 25, 2016 18:01
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froglet posted:Relevant detail - it's an electric bike (i.e. reasonably expensive) to commute to work. According to the internet, it's "only" $100 to insure, which is low enough for me to consider just getting it, but is there anything else I should be taking into consideration here? If the ocean suddenly swallowed up my bike tomorrow and I weren't insured, I'm not sure I'd be prepared to splash out my own funds for a new one, which I guess means I should probably insure it? Do you really need an electric bike? What about your commute requires you slam down $2,500-4,000 on an electric bike? Are you commuting through the hilliest hills ever hilled? Are you commuting 40+ miles each way? I guess where I'm going with that line of questioning is: Are you debating insuring your toy, or are you debating insuring a vital form of justifiable transportation? The answer on whether $100 every six months (plus your maintenance costs, which are higher than a regular bike) is justifiable kind of depends on that, in my view. (Also, if it's a toy that you can't afford to replace, you can't afford the toy.)
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Jul 25, 2016 18:31
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Don't pay for insurance on anything worth less than $10K if you can get away with it. Also things over $10K if you can get away with it.
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Jul 25, 2016 19:46
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Pay for insurance if you expect it to be profitable - ie you have some sort of information asymmetry with the insurance company.
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Jul 25, 2016 19:49
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Or if the downside of being wrong would be financial devastation.
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Jul 25, 2016 20:34
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I'd say if your bike is on a porch or otherwise not stored inside your apartment/house that I'd just make sure you have renter's insurance (which is GWM) and that will cover it if it disappears from your place. Otherwise, $100-200 every 6 months would only be worth it if that's covering a large collection of expensive bikes (more than 10K worth of bikes.)
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Jul 25, 2016 20:41
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Sundae posted:Do you really need an electric bike? What about your commute requires you slam down $2,500-4,000 on an electric bike? Are you commuting through the hilliest hills ever hilled? Are you commuting 40+ miles each way? It's $100 a year rather than every 6 months, but that's just semantics. While I think ebikes are cool, I'm not exactly thrilled to be splashing out $2k on one. I've really thought about this, and I can't see any other good, ongoing solution aside from moving closer to my new job, which is hard to justify given I'm the lower-earning half of a couple and the rent is a bargain in this area (though if anyone has any other ideas, please let me know!). The past few weeks I've been discussing with my SO and some friends familiar with the area and the general consensus is that an ebike is the least-bad and most reliable option given my personal situation, so it's not like I've just decided to up and get one and I'm retroactively finding excuses to buy it. But anyway, thanks everyone! froglet fucked around with this message at 04:53 on Jul 26, 2016 |
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Jul 26, 2016 04:25
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If the other option is getting a car, then an ebike is a slam dunk. If the other option is getting a regular bike, ehh.
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Jul 26, 2016 04:43
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froglet posted:It's $100 a year rather than every 6 months, but that's just semantics. Fair enough, then! If the alternative is a car and you're too far from work / too ungodly hilly to do a regular bike ride, I'm not going to condemn an electric bike.  $100 a year isn't bad when compared to auto or motorcycle insurance, and if it's your main mode of transportation, then it would indeed be a problem to lose it.I think it's reasonable, then, if a regular bike truly isn't an option.
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Jul 26, 2016 05:20
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eBikes are heaven on wheels. Pedal-assist allows for an awesome man-machine symbiosis. Unless your commute is really short, with good bike infrastructure all the way, I don't blame anyone for going eBike instead of regular bike. I have an eBike, but I don't use it to commute to work, as my commute is only 5 KM each way. But I don't have a car, so the eBike is my car replacement.
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Jul 26, 2016 11:20
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I love the way BFC goes off into a tizzy any time a luxury or semi luxury product is mentioned that some people think is needless. You guys are a bunch of crotchety bastard Ebenezer assholes and I love it.
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Jul 26, 2016 13:41
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Re: renters insurance that someone mentioned a few posts above, there have been a slew of robberies which have happened to a number of my coworkers this summer, and none of them have renters insurance and they're basically poo poo out of luck. One got a bunch of guns stolen from him, and the cops told him he's never going to see any of them again. I think they all have renters insurance now, but that's only going to help going forward.
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Jul 26, 2016 14:36
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GAYS FOR DAYS posted:he's never going to see any of them again. Seeing as they got away with it the first time, I don't know about that.
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Jul 26, 2016 14:45
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Moneyball posted:Seeing as they got away with it the first time, I don't know about that. Probably meant the guns. Although they have a chance of looking the wrong way down the barrel when the robbers come back
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Jul 26, 2016 15:07
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Pryor on Fire posted:I love the way BFC goes off into a tizzy any time a luxury or semi luxury product is mentioned that some people think is needless. You guys are a bunch of crotchety bastard Ebenezer assholes and I love it. It's not so much the luxury aspect of it, to me, as it is the cost/risk vs benefit of the ebike. EBikes are loving expensive to maintain if the wrong part breaks, they scream "pricey" and invite theft, they're still small enough for someone to steal in a hurry and get away with if not properly secured (and the higher the value, the harder it is to "properly" secure a bike because even the individual parts can sell for a lot - speaking from experience there re: unnecessarily expensive bikes getting part-jacked), and while they're way better than cars, they don't have the same exercise benefit as a regular bicycle. But if it really is the best option, it's the best option.  Not going to argue on that one, and it's way better than owning a car if you can avoid having one.
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Jul 26, 2016 16:46
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Cacafuego posted:Although they have a chance of looking the wrong way down the barrel when the robbers come back
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Jul 26, 2016 17:09
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Cacafuego posted:Probably meant the guns. Although they have a chance of looking the wrong way down the barrel when the robbers come back I tried to make a funny 
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Jul 26, 2016 18:30
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Sundae posted:It's not so much the luxury aspect of it, to me, as it is the cost/risk vs benefit of the ebike. EBikes are loving expensive to maintain if the wrong part breaks, they scream "pricey" and invite theft, they're still small enough for someone to steal in a hurry and get away with if not properly secured (and the higher the value, the harder it is to "properly" secure a bike because even the individual parts can sell for a lot - speaking from experience there re: unnecessarily expensive bikes getting part-jacked), and while they're way better than cars, they don't have the same exercise benefit as a regular bicycle. Yeah, my ex landlord had an e-bike, and splashed out a bit more for a conversion kit sold by a small company in Australia that presumably added some QA into the whole  of the endeavour, about AU$1000. He was just riding it to/from work, about 15 minutes (but with some steep hills and he's middle-aged). Hub motor died within a year and it just sat there.
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Jul 27, 2016 08:55
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Quick question, looking for an opinion. My neighbor and I share a portion of a sewer line that runs on my property, but neither of us knew we shared it until May 2016. I had work done on the shared portion back on Dec 2015, which affected my neighbor's connection. May 2016, my neighbor excavates his line and discovers it runs through my property. I allow the access and the work, since I'm reasonable and my yard can't look much worse. The plumbing company reconnects his line to mine free of charge, warranty work, and we again share the line to the city sewer. The city was OKs the connection since it was pre-existing, not new construction. We have no current agreement about maintenance of his sewer line on my property, nor maintenance of the shared portion on my property. I've consulted a lawyer about drafting something up. Meanwhile, I've already paid the mid $four-figure amount for the work done back on Dec 2015. I ask my neighbor if he will split the cost for the work done back on Dec 2015 for the line we share, he says "No, I'm not going to pay for that." Do I have any basis to sue? He rents the house out, so I'm not worried about creating bad blood. I'm looking for about $2.5k tops.
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Aug 3, 2016 21:36
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It's his windfall. You would have done the sewer work anyways. Figuring out after-the-fact that something you did was altruistic-by-happenstance and then looking to charge for it is a dick move. Unless, of course, the shared line incurs a reasonable increase in maintenance costs, in which case he should be held liable for that. This ain't legal advice.
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Aug 4, 2016 00:39
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That makes sense. I'm still going to pursue drawing up a maintenance agreement, I doubt I'd be able to sell my house without it. I guess I should look at selling my neighbor an easement for the portion of my property his line runs though before the Y. I'll be talking to a lawyer this week or next, just trying to get an informal opinion.
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Aug 4, 2016 02:20
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NoWake posted:That makes sense. I'm still going to pursue drawing up a maintenance agreement, I doubt I'd be able to sell my house without it. I guess I should look at selling my neighbor an easement for the portion of my property his line runs though before the Y. If it was built that way a long time ago and is a utility conduit he probably isn't going to pay you money for an easement either, but yeah an attorney might know better.
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Aug 4, 2016 10:56
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BEHOLD: MY CAPE posted:If it was built that way a long time ago and is a utility conduit he probably isn't going to pay you money for an easement either, but yeah an attorney might know better. Yup, judging by the beer bottle pulled out of the trench, nobody's been down there since before prohibition.   Elgin Eagle brewing company, 1894-1920 Just remembered I'd paid for title insurance at closing, and assuming it's not just a scam, I'll be looking to them or the county recorder to see if anythings been drawn up in the last 100 years.
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Aug 4, 2016 15:39
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cool bottle
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Aug 4, 2016 18:20
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I'm not sure if this is the best place to ask this question, but does anyone have experience with being hosed over by a company switching from accrued PTO to flexible PTO and forcing you to forfeit your vacation time? I was laid off earlier this month and thought I would get my accrued vacation does, but apparently they switched to a flexible PTO plan a few months ago and were so gracious as to forfeit my accrued PTO for me without making it clear to me. Is there anything I can do? This must be typical now?
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Aug 15, 2016 16:07
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That sounds like a very cool lawsuit that will probably be settled out of court so fast it'll make your head spin. The potential liability of your employer, if you win, is silly -- like millions. I know approximately nothing about labor laws, but I think this is a great example of a time where calling a lawyer and paying them $200 could make you thousands. e: I think the crux of the case will be on how vacation days are handled by the law for your type of employer/employee relationship. I know salaried-exempt employees have seriously reduced legal powers in some of these cases compared to hourly or non-exempt workers. DNK fucked around with this message at 16:50 on Aug 15, 2016 |
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Aug 15, 2016 16:47
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I believe that as long as the employer is consistent then they can do pretty much whatever they want. State laws may vary but even under an accrued model I don't believe there is anything at the federal level that requires that the employer pay out vacation. It might be worth consulting a lawyer cause you can probably do it for free. I think a first step would be to find out if the new policy is clearly stated in an employee handbook or the equivalent.
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Aug 15, 2016 18:14
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Pretty Boy Floyd posted:I'm not sure if this is the best place to ask this question, but does anyone have experience with being hosed over by a company switching from accrued PTO to flexible PTO and forcing you to forfeit your vacation time? I was laid off earlier this month and thought I would get my accrued vacation does, but apparently they switched to a flexible PTO plan a few months ago and were so gracious as to forfeit my accrued PTO for me without making it clear to me. Is there anything I can do? This must be typical now?
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Aug 15, 2016 18:45
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Naturally HR seems to hire directly from the used car lot salesman pool, so you can imagine how helpful they were. I'll file a complaint with my labor commissioner for now, and talk to a lawyer later. Thanks for the help everyone.
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Aug 16, 2016 00:18
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Couldn't find a more suitable thread for this, but I have a question about this job at Facebook. It's in one of their Asian offices and the position is a Business Integrity Analyst. I have no idea what the position actually entails. This is the job description: Like, I use Facebook daily and even dabble in its functionality for businesses. But what would I actually be doing in this job? What kinds of fraud does Facebook deal with? Am I essentially the guy where user reports go to? Just a little confused.
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Aug 23, 2016 17:14
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I'm pretty sure the job would be to police sponsored links, etc. and make sure they aren't soliciting for anything illegal, aren't defrauding people or infecting their computers, and/or aren't hijacking their FB accounts using exploits. Stuff like that. That's just a guess though.
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Aug 23, 2016 17:20
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I know there is fraud with the Facebook advertising. And then they also have to protect from people who create fake Facebook pages/groups for companies/partners of Facebook. Just guessing those would be business integrity issues.
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Aug 23, 2016 17:22
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You know how somethingawful sometimes has ads for like, a website selling novelty cocaine snifters? I'm guessing facebook doesn't want those.
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Aug 23, 2016 17:30
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Vegetable posted:Couldn't find a more suitable thread for this, but I have a question about this job at Facebook. It's in one of their Asian offices and the position is a Business Integrity Analyst. I have no idea what the position actually entails. This is the job description: This job is to break the knees of twitter users and post on Instagram.
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Aug 23, 2016 18:01
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I've figured out my financial poo poo and it's pretty cool. Thought I'd share: 1 checking account (@ Wells Fargo) 2 savings accounts (@ Ally) 1 taxable brokerage account (@ Vanguard) 1 ROTH IRA (@ Vanguard) 1 401k (@ Fidelity) 3 standard CCs (Citi Doublecash, Citi Costco, Chase Amazon) 2 flavor CCs (WF whatevercard -- like 15 years of account history, and AmEx BlueCash -- just got $150 spend bonus, planning on churning) 1 Car Loan @ 1.09% (@ ToyotaFinancial; 13k) I use the WF checking as a clearing account / money hub and transfer to CCs / savings / brokerage each pay period. I'm hitting around ~15% into retirement accounts, ~15% into savings, and ~30% into taxable brokerage (still in index funds though). Current plans: Engagement Ring, House, Kids in that order, starting now, and preferably spaced about two years apart. I'm comfortable with my investments and their risks and all that. Feels good. Thanks for being around, BFC.
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Aug 23, 2016 18:13
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I bought a miniature copy of Winston Churchill and it only set me back $6500!!! Don't worry, I'll make it all back in tax deductions. Obligatory day-old stoner baby girl face, freshly smushed up from being pushed out of a vagina: And just so everyone knows, a 22 hour labor and delivery with zero drugs and labial tearing was still less painful than reading through all of Boon's lovely posts in the BWM thread. moana fucked around with this message at 04:00 on Sep 2, 2016 |
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Sep 2, 2016 03:56
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Congratulations!!!! 
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Sep 2, 2016 04:04
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Congrats!
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Sep 2, 2016 04:10
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Congrats, she's adorable!moana posted:22 hour labor and delivery with zero drugs and labial tearing Jesus Christ. Maybe I'll adopt any kids I have so as to never again hear the phrase "labial tearing".
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Sep 2, 2016 04:24
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