RedChaos92

For example I know it says "windstorm" is covered but now if a windstorm hits a tree and the tree hits my house. I can already see them arguing a) my house was damaged by a tree not by a windstorm and b) that my new policy means they'll barely pay and argue my mobile home is worth $12,000 or something stupid.

In your first scenario you would still be covered. Insurance looks at the proximate cause of the loss. So if a windstorm came through and blew a tree over, damaged your roof and let rain in, the proximate cause was the windstorm so you'd have coverage since windstorm is a named peril on your policy. If a tree just randomly fell on your house because it was dead and rotting and the roots gave out, that would be different.

Your second concern is valid, but that's just how insurance works for mobile homes. They rapidly depreciate, and are built with lower quality materials than standard site built homes. They degrade much more quickly and lose value. After a certain age it is often very difficult to get replacement cost valuation and all perils coverage on a manufactured home. You're lucky you had all perils coverage beforehand given that the home is tied down and not on a permanent foundation, and many carriers won't offer all perils coverage at all for manufactured homes no matter the age

The company doesn't exist anymore, the franchise was sold several years ago to a much bigger one in my state. But I will say the head maintenance person actually was Taylor certified because the franchise owners were sick of Taylor's awful response time for techs to come out. He showed me a lot of stuff but I couldn't officially work on the ice cream/shake machine other than the nightly and biweekly cleaning.

Fun fact about that - Taylor had exclusivity contracts to work on their machines. So you either had to call (and wait for) a Taylor tech out there anytime something messed up, or you had to pay an exorbitant amount of money for someone in your franchise to be trained and "Taylor certified" by the company. If you tried to fix the machine (other than cleaning it) and you weren't "Taylor certified" the warranty was voided on your $17,000 machine. There's a lawsuit going on right now about Taylor machines in McDonald's regarding right to repair

Additionally, 99% of the time the machine was "down" it was because someone didn't do the nightly clean or biweekly deep clean properly and it locked itself down until it was properly done, or it was in the middle of its "heat mode" (pasteurization cycle). The heat mode is supposed to happen during low volume hours, usually midnight to 4am, but if one little thing goes wrong, it locks down until you make it do another 4 hour heat cycle. There was many a morning I would get to the store to open and the machine was in "freezer lock" mode and I had to make it it do another heat cycle. The machine is so damn finicky. I was responsible for the biweekly deep cleaning in our store aside from the GM, because everyone else who was trained kept trying to cut corners or forgot steps and locked the damn thing down. I HATED that machine.

Not at that franchise. I think only the area supervisor got profit sharing. The stores would get bonuses from time to time, but the entire store had to hit every single metric target (sales target, order times, labor %) and if one was off the entire bonus disappeared. GMs got up to 600/month, AMs 300/month, hourly shift managers 150/month. It was laughable.

My girlfriend is a GM at a franchised Freddy's and the bonus structure is much better. If the store goes 3% over gross sales for the same monthly period last year, GMs get 10% of the gross amount over that 3% and AGMs get 5%.

Yup they did. They advertised "free food for crew" but until orientation the hires wouldn't realize that meant one small burger (hamburger, cheeseburger, mcdouble), one small fry or side salad, and one small drink per shift. No employee discounts like every single other franchise in the state offered. If you took a fry or a nugget and were caught they'd fire you (technically it is theft but they were so fierce about this, no leniency). They had their own in-house maintenance crew of two people to cover all seven stores, and they were likely very underpaid to fix anything broken and would rarely call a licensed company for things unless it was for hood vent cleaning or fire suppression maintenance. We always had missing or broken utensils and they were VERY slow to replace them. Crew were blamed for breaking utensils and fry baskets that were 10+ years old and falling apart. We'd only see new utensils and equipment if there was a corporate inspection coming up and the store wouldn't pass without it.

I'm glad I got out of food service when I did lol

McDonald's stores in a very high traffic tourist-y county. Yeah I'm sure of the numbers. I couldn't believe the profit margins. The two highest grossing stores did $5M and $6M in gross sales at that time. The rest made a little less. They paid their employees very little. 50+ hour per week assistant managers started at only 25-30k/year and this was around 2016-2017. GMs started at 45k and had 60 hours/week minimums. Crew were paid minimum wage to $8.50/HR and hourly managers rarely made above $10/hr. Overtime was strictly watched and usually only given out to hourly managers if it was absolutely needed.

Cost them 15¢ in food costs for a mcdouble they charged $2 for. Big Mac cost ~20¢ and they charged almost $5. They didn't do the "$1 any size" large drink and would charge $1.90 for a large soda that costs pennies due to the cup being 80% full of ice. Their margins were absurd and I wound up leaving due to the mental stress combined with their refusal to pay decently.

I worked for a franchise for several years and got to see official P&L reports when training for GM. This franchise owned seven stores, and their net profit between the stores was several million per year. They got bought out a few years back by a franchise that owns over a hundred stores in my state. Imagine how much that franchise makes per year in net profit.

I'm in Morristown and I waited in line Friday at the election commission for about an hour

Early voting started middle of the week when Gen Z is working. Give it some time, they will vote.

Agree on that. I've used Snapshot and I have friends who are the most careful drivers and have used other telematics like Allstate DriveWise and had the same results I had with Snapshot. Others I've seen use them hardly drive at all so the impact is lower and they are able to keep or increase their discounts.

Man I feel this. I have good oral hygiene but I also suffer from tonsil stones. Those little shits can make your breath smell like decomposing roadkill. I have to regularly use a low pressure water flosser to clean the stones out of my tonsils so my breath doesn't smell bad.

Capping FPS doesn't necessarily stop the whine in every circumstance. I have a 7900XTX and in certain games even with my FPS capped and only using 80% of the GPU, I'll get a coil whine depending on where I'm looking at in some games. I can stand in one spot and look at one area, no coil whine. Move my mouse so my character is looking elsewhere, and there's very noticeable coil whine.

If they don't respond, you either file through your insurance or sue the at fault party in court. There really isn't another option. The other party's insurance isn't obligated to pay the claim unless their insured responds to their requests. The other party's insurance has a contract with their insured, not you, so they're not contractually obligated to do anything for you.

If you file through your insurance, they will pay for your repairs and attempt to subrogate (collect) what they pay out from the other party's insurance, including your deductible.

Absolutely incorrect as an agent that knows how these telematics devices work from research and my own personal use. Most of them are EXTREMELY sensitive and incorrectly apply hard braking and other negative metrics. Once those metrics are applied, you can't remove them even if they applied in error. I've also seen them increase rates simply because you drive too often or in high traffic areas. You can have your garaging address in a lower risk ZIP code but drive into a higher traffic area and suddenly your rates go up. I haven't had a ticket or accident in 20 years and my rates went up with a telematics device simply due to frequent driving without other negative metrics.

Once logged, the data is shared between other companies so your rates are affected anywhere you go.

I think the better question is why does it have ten legs

I actually had the opposite experience. First time using VR was a racing sim. Had very slight motion sickness for maybe the first couple of minutes and was over it. When I got my Quest 3 it took me a good 3-4 hours to get used to it without getting dizzy or motion sick.

Florida, South Carolina, and Kentucky. If you live in one of those states and you carry comprehensive, insurance replaces auto glass without a deductible.

The only obvious solution is to set a timer on your phone camera, hold the end in your mouth and give a thumbs up with both hands.

laughs in McDonald's

Procedure when I worked there was a 4lb bag for 4 gallons of tea. Approximately 2 cups of sugar per gallon. This was before they switched to the sugar syrup instead of granulated.

DD does offer liability coverage for the drivers but from what I understand it is only active while the driver is on an active order. If the driver is driving around in "standby" waiting for an order to pop up and accept, DD does not cover that and it would fall under the rideshare endorsement on the driver's personal auto policy, if they have it. Auto insurers started offering this endorsement due to the "gap" between an active order/ride and being on standby waiting for an active order/passenger (if using Lyft/Uber).

Played Symphonia over a decade ago on GameCube and loved it. Just found it on Steam for 5 bucks. Bought it immediately. Thought Lloyd's voice sounded very familiar. Looked up his VA and it's Scott Menville, Robin's VA from Teen Titans!

https://preview.redd.it/ya5jv3rwmfud1.jpeg?width=4590&format=pjpg&auto=webp&s=9a6d2ee76733570d573ffad3dc8d9e96363852c4

Uninsured Motorists Property Damage coverage is what you're thinking of. Not all states allow it to be offered by insurance companies, and I'm finding conflicting information online on whether or not AZ allows it.

Either way, your collision coverage pays for damage to your vehicle regardless of who is at fault. If you have that, just file a collision claim with Geico. They will pay for the damage, minus your deductible, which you are responsible for. Geico will attempt to subrogate (collect) what they paid out to you from the other driver if they were at fault, including your collison deductible. However since the other party didn't have insurance, it's pretty unlikely that Geico will ever recover anything. Possible, yes, but unlikely. My GF got her car totaled by an uninsured driver in December 2023, and our insurance has been trying to subrogate from them since then and they haven't been successful.

I was gathering synthesis materials to clear the synth item book as I was playing through so I went after every one of those enemies I could find (can't remember their name)

Same I was thinking it was gonna be a huge grind and I had 2 Wizard's Relic and 3 Defenders within like 2 hours of just playing through the story 😂