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Outsmart Insurance Companies: Proven Strategies
Let’s be real—dealing with insurance companies can feel like you’re up against a powerful opponent who knows the rules better than you do. It’s frustrating, right? You pay your premiums every month expecting that peace of mind, only to find out when you file a claim that it’s a little more complicated than you thought. Denials, delays, fine print—it can feel like an uphill battle! But don’t…
#Bad faith insurance#Dealing with insurance companies#File insurance claim successfully#How to appeal an insurance claim#How to handle insurance claims#How to outsmart insurance companies#Insurance claim denial#Insurance claim process#Insurance company secrets#Insurance documentation tips#Insurance legal help#Insurance tips#Maximize insurance payout#Public adjuster benefits#Understanding insurance policies
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Reasons Why You Need to Be Well-Prepared for Roofing Emergencies
Roofing emergencies can happen anytime, often when you least expect them. Whether caused by storms, heavy rain, or falling debris, these emergencies can put your home and belongings at risk. Being well-prepared for such situations is not just wise—it’s essential. Here are key reasons why preparation can make all the difference.
Minimizes Damage to Your Home
Leaks and falling shingles are examples of roofing emergencies that can swiftly develop into more serious issues like structural problems, mildew growth, and water damage. Being ready enables you to take quick action, minimizing the damage and shielding your house from additional danger.
Saves Money on Repairs
Repairs for emergencies can be expensive, particularly if delays cause the damage to worsen. Being prepared can assist you in addressing the problem early on and avoiding costly repairs for small issues. You can avoid paying for water damage restoration, for example, by keeping a tarp on hand to temporarily cover a damaged roof.
Ensures Safety for Your Family
Emergencies with roofing can result in dangerous situations like loose debris, exposed wiring, or water leaks. By being ready, you can swiftly secure the area and protect your family. By being aware of what to do and who to contact in these circumstances, accidents and injuries can be avoided.
Reduces Stress During Emergencies
A sudden roofing problem can be overwhelming, especially if you’re unprepared. Having a plan in place, like knowing the contact details of a reliable roof repair Miramar professional, gives you peace of mind. You’ll be able to respond confidently and avoid unnecessary panic.
Keeps Your Insurance Claims on Track
When submitting a claim for roofing damage, insurance companies frequently demand timely action and accurate evidence. Being ready enables you to snap pictures, record the damage, and get in touch with your insurance provider right away, which guarantees easier claims processing and quicker payout.
Protects Your Belongings
Damage to your roof can expose your house to the weather, endangering personal items like electronics and furnishings. By being ready, you can move valuables to secure locations or cover them while repairs are being made.
Speeds Up Repairs
You may avoid the time-consuming task of looking for a reliable roofing contractor in an emergency if you have already done your homework and selected one. This guarantees that your roof is fixed as soon as possible and expedites the repair procedure.
Roofing emergencies can be stressful, but being well-prepared can make them easier to manage. By planning ahead, you can minimize damage, save money, and keep your family safe. Preparation is the key to weathering roofing emergencies with confidence.
#Roof Repair Miramar#Roofing Emergencies#Roof Damage Prevention#Roofing Insurance and Documentation Tips
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Reconnecting with Family as an Empty Nester
Image via Freepik Are You an Empty Nester Looking to Reconnect with Family? The empty nest phase can feel daunting, but it also presents an incredible opportunity to redefine your life and strengthen family ties. Whether you’re contemplating a move closer to your children or seeking ways to enrich your golden years, this article offers invaluable insights and practical tips to help you thrive.…
#Budgeting for Retirement#Community Engagement#Document Management#Empty Nester#Family Connections#Golden Years#Health Insurance#Health Support#Home Investment#Relocation Tips#Senior Activities#Senior Living
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Weather Preparedness and Safety: Essential Guide for Hurricanes and Wildfires
Weather Preparedness and Safety: Essential Guide for Hurricanes and Wildfires Weather-related disasters, such as hurricanes and wildfires, pose significant threats to life, property, and the environment. Preparing for these events is crucial to ensure the safety of your family and home. This article delves into how to effectively prepare for a Category 4 hurricane, the best survival kits for…
#apple#best Apple accessories 2024.#crisis management#disaster education resources#disaster response plans#emergency response training#emergency supply checklist#family communication plans#family readiness for natural disasters#gadget lovers#gear#home evacuation plans#home reinforcement strategies#huawei#hurricane survival tips#ipad#iphone#iPhone 16#laptop#Natural disaster safety#personal safety during emergencies#property insurance for disasters#risk management during storms#safety drills for families#safety protocols for families#securing essential documents#smartphone#staying safe during extreme weather#storm preparedness#tablet
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By Betsy Ladyzhets
Since early in the pandemic, people with Long COVID have faced challenges in applying for disability benefits, including from their employers, insurance providers, and the U.S. Social Security Administration. Applications often take a long time and are denied even for people who clearly have debilitating symptoms, leading to years-long, arduous appeals processes. The same has been true decades prior to 2020 for people with other infection-associated chronic diseases.
To learn more about the disability insurance system, Betsy Ladyzhets spoke to Barbara Comerford, a long-time disability lawyer based in New Jersey who specializes in these cases. Comerford has represented people with myalgic encephalomyelitis (ME, also known as chronic fatigue syndrome or CFS), for more than 30 years, including high-profile cases like that of journalist Brian Vastag.
Comerford discussed how the process works, her advice for putting together applications and appeals, how Long COVID has impacted her practice, and more. This interview has been lightly edited and condensed for clarity.
Comerford’s tips for disability benefit applications:
Comerford recommends that people applying for benefits extensively document their symptoms. Medical tests such as neuropsychiatric testing and cardiopulmonary exercise testing are her recommended method for documentation, though she acknowledges that these tests can be expensive. Comerford suggests that applicants should be careful to find lawyers and medical providers who have experience with these cases and won’t dismiss their symptoms. During the appeals process, Comerford recommends requesting a company’s administrative record and combing through it for any evidence that they abused judgement, cherry-picked evidence, or made other errors in assessing the case. Make sure to follow deadlines for filing appeals, as cases are closed if documents are not submitted on time.
Barbara Comerford: Should we focus on disability insurance, or do you want to focus on social security disability, or both?
Betsy Ladyzhets: Both, because people [with Long COVID] are applying for both.
BC: Right. And often, people think they should only apply for one, [but they should apply for both.]
Most of the disability plans that people have are often through their employer. Those plans are known as ERISA plans, that refers to Employee Retirement Income Security Act. It was created in the 1970s… Congress created this regulatory scheme, and then immediately created a zillion loopholes that corporations can drive a truck through. Later, ERISA covered all employee benefits in general.
Insurance companies wound up selling policies to corporations saying, “You can get the best people if you offer incentives.” And what’s a better incentive than, if someone gets sick, they can collect a substantial percentage of their salary until full retirement age? These are the sorts of perks that… People think, “If something happens to me, I’ll be protected.” The promise of these policies is that they will give people, usually, between 50% and 80% of their pre-disability income if they satisfy the requirements. Well, that’s a big if.
I’ve been doing this for 38 years. And I can tell you that 38 years ago, these [disability claims] were not problem cases. I used to do them for free for my litigation clients… But over the years, and really starting after 2001 with September 11, all hell broke loose. They [insurance companies] began to get very aggressive. Every time there is an economic downfall, whatever it is, they get extremely aggressive. So you can imagine, with the onset of the pandemic, they knew what was coming.
I did, for many years, advocacy for ME/CFS cases. I represented thousands of people… A lot of my colleagues say, “Long COVID social security cases are almost impossible,” because they don’t know what to do with them. My office hasn’t found that to be the case. I think the difference is, you have to document these cases with as much objective documentation of symptoms that people have… Get neuropsych testing, cardiopulmonary exercise testing, and other tests.
I started doing webinars and seminars [about disability benefit applications] in 2020, because I knew this was coming. At that point, they weren’t calling it Long COVID, they were just saying, some people with COVID weren’t getting better. But I knew it was going to turn into another ME/CFS disaster.
BL: How have you found the rise of Long COVID has impacted your practice? Do you find you’re more in demand now?
BC: We’ve always had a high volume of cases. Quite a few of them were ME/CFS cases. We did a case, Vastag v. Prudential, in 2018. Brian Vastag, who was a science writer for The Washington Post, was my client, and I could not get over how aggressively Prudential was just dismissing him because it was an ME/CFS case.
And the same is happening with Long COVID. We do cases all over the country on Long COVID and ME/CFS. It’s my livelihood, so it’s important for me, but it also makes me a little crazy that people get treated the way they do and that they have to hire people like me.
One of the things that people get upset about is that they have to spend money to medically document their symptoms. And worse than that… I see these Long COVID clinics, with doctors who are completely ignorant on Long COVID, who surreptitiously write notes in the chart that they think it’s a psychiatric case. I don’t know how familiar you are with this.
BL: Unfortunately, I’m very familiar.
BC: It’s awful. Not only is it really hard on my clients… It triggers them to read things that might not be what they said or might not be pleasant. And the number of times that I have seen that and it has sabotaged cases! I have to reconstruct the cases and have the clients contact the clinic [and get them to make corrections].
Mental/nervous limitations exist in all of these [insurance] policies… They can limit someone’s payments to two years if the case is a psychiatric case or mental/nervous limitation with a DSM diagnosis.
BL: I wanted to ask also — there’s been a lot of research on Long COVID at this point, and there was a report this summer from the National Academies specifically in response to a request from the Social Security Administration about Long COVID as a disability, in which they found that this disease can result in inability to work, poor quality of life, all that stuff. Have you seen that report, or other research, like the growing body of research on these diseases, have an impact?
BC: I was asked to comment on that [report]. Part of the problem with Social Security’s initiatives in this regard is that every social security case goes through what they call “sequential evaluation process.” You have to go through five steps to determine whether or not someone’s disabled. And among those steps is [matching people to a “medical listing of impairments,” but the list doesn’t include major symptoms for ME/CFS and similar diseases].
Years ago, there was a ME/CFS ruling called 99-2p. It offered guidelines [for ME/CFS cases that don’t fit the typical Social Security process]. After that, I was asked to present to the national association of Social Security judges, there were 500 judges in the audience. And I asked, “By show of hands, how many of you are familiar with 99-2p?” Two hands went up.
Despite the guidelines, in practice, [the judges aren’t familiar with these diseases]. Until there is a time when we can come up with a firm diagnostic criteria for Long COVID, and we can say, “This is what you have to document for this illness.” … And it can’t just be a positive COVID test, because many people got sick before testing was prevalent or they got sick after people stopped documenting that they were positive.
The other problem for Long COVID cases is it’s not like cancer or a broken leg or herniated disc or something that people are accustomed to. Those people are not told they’re crazy. Those people are not told they’re imagining it. Those people are not told, “Well, we just don’t buy it.” This is what happens with [Long COVID] and ME/CFS. The psych component that they try to pigeonhole these cases into is really a master stroke by the insurance industry that spends billions of dollars trying to persuade people that anyone who files for these benefits is a crook or fraud.
BL: It’s infuriating, especially when you see how deeply people’s quality of life is impacted by these diseases.
BC: Yes, every part of their life is impacted.
BL: I see what you’re saying about needing diagnostic criteria. In this time where we don’t have that yet, what would you want to see the Social Security Administration or other government agencies do to make it easier for all these people who are applying for benefits with Long COVID and ME/CFS?
BC: They should [reevaluate] the sequential evaluation process, which has been there forever, and look at medically determinable impairment in the context of Long COVID and ME/CFS. These diseases can be documented by things like neuropsych testing.
I’ll quickly go through the five-step sequential evaluation process. The first step is, “Is the person engaged in substantial gainful activity?” That is something you can do predictably, something that will last at least 12 months, and something that leads to gainful work, where you get paid and you can report for a job either part-time or full-time. In Long COVID cases… you have to document that this person is not engaged in substantial gainful activity because they don’t know tomorrow if they’re going to be able to get up and get out of bed and take shower, never mind report for work.
If you satisfy step one, they go to step two. There, they ask, “Do you have the ability, in light of your disability, to perform basic work-related activity?” Sitting, standing, reaching, pushing, pulling, reading, concentrating, things of that nature. And, “Does the disability negatively impact your ability to do these things?” [You need medical evidence, which can come from] a physician’s evaluation from a Long COVID clinic, for example.
If you have that, you go to step three, which is where that horrible “medically determinable impairment” crap comes in. There isn’t {a specific listing} yet for Long COVID, although they’re talking about it. Frankly, we’re still waiting for them to do one for ME/CFS, so I’m not holding my breath. That’s the only step in the process where, if they don’t satisfy it, you can still move on to the next step.
The fourth step is, “Is this person capable of performing the work that they performed for the last five years?” Until June of this year, it was the last 15 years… So we go through each job they had, all their symptoms and limitations and why they can’t do [the job anymore]. If we document successfully that they can’t perform their past relevant work for the last five years as a result of their disability, we can then go to step five.
Step five, the burden shifts to the Social Security Administration. Social Security has to document that, in light of a person’s age, education, and work experience, that there is no work in the national economy that they could perform. [To do this], Social Security has a big graph called the “medical vocational guidelines.” And essentially, the younger you are, the more skills you have, the more education you have, and the more skills that are transferable, generally you are found not disabled. But the graph is not supposed to be used for cases that involve what we call non-exertional and exertional complaints together. Pain, fatigue, things of that nature are all part of the non-exertional limitation.
That is how we lift ME/CFS and Long COVID cases out of that graph. Despite the fact that many of our clients are very young, many of them are highly educated, many of them have developed skills that are not only transferable, but are also in high demand in the national economy — [we say that] because they can’t predictably perform sustained work of any kind, the grid should not be used to find them not disabled. But with all of this, every one of these cases, medical documentation of limitations is crucial. I can’t emphasize that enough.
BL: I know a lot of people in Long COVID community, they’ve already sent in their applications, and then it gets denied, and then they have to appeal. What is that process like, and how would you suggest people go about finding someone like you?
BC: It’s really important to do some research. You want to know if the doctor or attorney you’re dealing with has experience in these cases… I do [webinars and one-on-one education] for lawyers all the time, because I’d rather them hear what has to be done, and understand what happens if they don’t do it.
If I’m giving people advice on appeals… If it’s coming from a United States employer, you’re going to be governed by ERISA. That’s important because people might file a claim without knowing the exact company policy. Despite the fact that federal regulations require employers to give that information to employees, when someone gets sick and files a [short-term] disability claim, they are immediately cut off from the employee benefits portal [that has all the exact policy information]. So then I’ve got to write a letter to the employers, and fight to get that information.
You can’t even get discovery in these cases… Sometimes they will award benefits, and then six months in they’ll say, “We no longer believe you’re disabled.” Under ERISA, [employers and insurance companies] get all the advantages.
BL: It seems like people should know, if you’re filing against an employer, to save that policy information before you lose access to it.
BC: When you get the notice of a denial, you can request a complete copy of the administrative record. You are entitled to see everything that the insurance company had on the case, and under federal regulations, they have 30 days to produce it.
And then you have 180 days to appeal that [denial]. People say that’s a long time. It’s really not. Because you’ve got to go through thousands of pages of documents. You’ve got to document where they abuse their discretion. It’s not enough to have medical evidence… [The standard you have to push back on is that] the insurance company or the employer has a “reason” to deny the claim.
The lawyer’s job or the claimant’s job is to show all the examples they found in the administrative record that show [mistakes or poor judgement on the part of the insurance company or employer]… Sometimes, you will see reports of experts that they’ve retained to review the case, and the expert will say, “I think it’s a payable claim.” And then the next thing you find is them looking for another doctor who’s a little more receptive to their suggestions. If we see they’ve ignored the opinion of one of their experts, that’s an example of abuse of discretion and arbitrary, capricious conduct. Cherry picking the evidence is another thing you often see in these cases.
BL: So it’s not just sending your own medical records, you have to show that the company has messed up.
BC: The insurance company or the employer, whoever is paying, you have to show that they abused their discretion.
BL: Is there anything else, any other advice or resources you would give people?
BC: This is really important. If it’s an ERISA case and they do not get that appeal in within 180 days, they’re foreclosed from pursuing it any further… [It’s a big mistake] if you blow those time deadlines.
All articles by The Sick Times are available for other outlets to republish free of charge. We request that you credit us and link back to our website.
#mask up#public health#wear a mask#pandemic#wear a respirator#covid#covid 19#still coviding#coronavirus#sars cov 2#long covid#covid is not over
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https://www.tumblr.com/reflections-in-a-critical-eye/765398033140678656/when-jimins-health-insurance-documents-got-leaked?source=share
Yes they took the blame. If i remember correctly the staff was exposed for using DC galleries on one of ot7 lives and the same staff also used a name for jimin that antis use against him (in DC or general ig) in that Bangtan bomb after their white day speec live they did. It was again pjms who tagged the company to remove that name from subtitles and after hrs of tagging they removed that name. I remember correctly it was started by a korean pjm and army started saying that solo do too much and it's nothing serious but them k-pjms said that the term is used in derogatory way for jm and staff is using same for him so they WILL tag company to remove it and after hrs of doing so they removed it because them losers knows what they were doing. Mind you no ot7s helped at that time too. They Hardly do like when the issue gets bigger till then they'll drag jm's fans saying they baby him lol. Also you might know that last year (even this ig) pjms were sending trucks to hybe? One of the requests was to protect him from malicious rumours spread against him, the template literally says "DC gallery hate" but everyone is turning on his fans when they were the only ones who sent truck to take down the DC galleries.
God when is he getting free from this? The article says "hybe allowing hate brewing against jimin and jungkook" but you have jk's solos turning it against jm and KTHs joining them and of course armys will be in frontline too.
That's right, I remember it all now. I know when I was watching that live and people noticed that staff in oner corner using dc gall. There was a lot of noise back then, but who would have thought it would get much worse?
As to the fandom's reaction, they take any opportunity to turn it against Jimin as usual.
Everything that is being revealed now is more or less confirmation of what has been suspected for a long time. I just wonder what will be the tipping point and if hybe will actually suffer some real consequences or everyone will move on while fans will still send trucks, write petitions, block accounts. And then repeat the same action every day but with no actual result.
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Jonathan Cohn at HuffPost:
The questions surrounding the killing of UnitedHealthcare CEO Brian Thompson are going to take a while to answer definitively, even if police in Pennsylvania have now arrested and charged a man in connection with the shooting. The question of how Americans feel about the health insurance industry, on the other hand, leaves little room for doubt. On social media and in everyday conversations, Americans have joked about last week’s shooting in New York ― and in some cases even suggested that Thompson deserved to die ― because of what they say his company and his industry have done to stop people from getting health care. As HuffPost’s Jennifer Bendery and Arthur Delaney reported last week, lots of people wrote variations on “thoughts and prayers are out of network,” invoking a familiar piece of insurance terminology. Under an item where New York officials sought tips on finding the killer, one commenter said “my regular insurance doesn’t cover vision so I can’t really see” while another wrote “we need prior authorization first” — once again, using insurance company lingo.
You don’t have to be a corporate shill to find that reaction dehumanizing and disturbing. Taking satisfaction in somebody’s killing feels like the sort of thing that was clearly out of bounds before social media made it easy for people to express their worst instincts aloud and then be rewarded for it with even more attention. “In some dark corners, this killer is being hailed as a hero,” Gov. Josh Shapiro (D-Pa.) said in a Monday news conference detailing the latest developments on the case. “Hear me on this: He is no hero. ... In America, we do not kill people in cold blood to express policy differences or a viewpoint.” But you also don’t have to condone the online reaction, let alone the killing itself, to understand where it came from or why somebody associated with the insurance industry would inspire such hostility. And you don’t have to think commercial insurers are primarily responsible for the problems of American health care to spot the role they’ve played in its well-documented dysfunction.
How And Why Insurers Became So Unpopular
That role starts with the limits on medical care that have been the reference point on social media for the past week. More than half of Americans with private insurance say they’ve had trouble using their coverage ― like running into treatment denials or struggling with small provider networks ― according to polling from KFF, the California-based health care research organization. The number is even higher for those who say they have health problems, which suggests the people most likely to encounter these obstacles are the ones who need health care the most. These obstacles have existed for a while, and this is not the first time outrage over them has spawned a broader conversation about whether to curb insurance industry behavior. Back in the late 1990s, Congress spent several years debating whether to pass a “patient’s bill of rights” that would have given everyday Americans more power to challenge treatment decisions and even sue insurers in court. You could tell the idea was popular by looking at the polls, which showed strong support from across the political spectrum. Or you could just go to the movies. In a key scene from the 1997 film “As Good As It Gets,” a main character played by Helen Hunt cursed insurers as “fucking … bastard pieces of shit” because they had denied tests and treatments for her asthmatic son. Audiences around the country broke into spontaneous applause.
At the time, the insurance industry and its allies argued that their limits on care were cutting down on unnecessary, sometimes harmful treatments that people didn’t really need — and, more importantly, holding down the cost of health care. If not for tools of what became known as “managed care,” insurers said, Americans would have to pay even more when they went to the doctor’s office, hospital or pharmacy, and many would have to skip care altogether. Insurers and their allies make the same arguments today. And they are not exactly wrong when it comes to the deeper problems of American health care or the role insurers can play in addressing them. There are reams of data to suggest the system is rife with mistreatment and over-treatment, and that the main reason American health care costs so much is that the providers and producers of care have so much power to set such high prices.
[...]
How Insurers Behave Today
You can still see vestiges of that approach in organizations like Kaiser Permanente, the nonprofit descendant of those shipyard clinics. And while it’s hard to quantify insurer performance, one telling measure is the rate of treatment denials — which for Kaiser, according to a recent report from the website ValuePenguin, is just 7% of claims. But the industry average is 16%. The industry leader at 32% is UnitedHealthcare, the company Thompson led. And it’s not just the volume of denials raising questions about the conduct and priorities of big commercial insurers. It’s the nature of the denials, which have come to light through legal proceedings, congressional testimony and journalistic exposés. Among the latter was a monthslong ProPublica investigation of algorithms and other tools United was using ― as the report put it ― to “police mental health care with arbitrary thresholds and cost-driven targets.” United told ProPublica its practices were “an important part of making sure patients get access to safe, effective and affordable treatment.” Providers, patients and mental health care advocates who the reporters quoted in the article disagreed, arguing the limits routinely deprived people of care they needed. That is the very same thing Miranda Yaver, a health policy professor at the University of Pittsburgh, found in her research for a forthcoming book about American health insurance companies and the ways they restrict treatment.
[...]
How Insurers Helped To Build The U.S. System
Reformers have been trying to create a system like that here in the U.S. for nearly a hundred years. They’ve never been able to overcome the political opposition. Whole books have been written on the complex story of why this kept happening. A big, politically inconvenient part of the saga is that most Americans have health insurance and, notwithstanding their feelings about the industry as a whole, are wary of giving up what they have. But another big part of the story is the opposition of industry groups that profit from the status quo. That very much includes health insurers, who eagerly joined the fight against Harry Truman’s national health insurance proposal in the late 1940s, led the charge against Bill Clinton’s ill-fated universal coverage plan in the early 1990s and pushed back on the (far more modest) reforms that eventually became the Affordable Care Act, aka “Obamacare,” in the late aughts.
[...] The data backs up that claim: Administrative costs in the U.S. health care system are the highest among economically advanced counties. The same goes for the salaries of American insurance executives that at the high end of the scale can exceed $20 million a year. Again, none of that justifies celebrating one executive’s slaying, let alone the killing itself. And depending on your political priors, it may not even justify forcing insurers to change their behavior. But making the case that their practices are beneficial means convincing skeptical Americans who were clearly angry at insurers before Thompson’s killing and are unlikely to change their feelings any time soon.
The killing of UnitedHealthcare CEO Brian Thompson at the hands of Luigi Mangione reveals a dark underbelly about the legitimate frustrations aimed at health care insurers, who hand out routine denials or delays of service to its customers.
#Brian Thompson#Healthcare#UnitedHealthcare#Luigi Mangione#Health Insurance#Health Care#Managed Care
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Let's Spend Lots of Money!
Back in June I posted about how after a huge storm rolled through, I was without power for over five days and then talked about all the insurance and stuff going on.
Well, things have progressed since then!
Would you like to read/see pictures of exterior home renovation? This is the post for you! Warning: It's really long! And the story isn't done yet!
Here's a cut for extreme length!
PART ONE: The To-Do List
When it was over, at the end of my post, I posted some To-Do's:
Call Plumber - Done, and I thought the problem would be solved for another year or more.
Get garage door serviced. Done. The guy I called was clearly trying to rip me off. He told me immediately that I needed new springs, and when I pushed back and pointed out how shiny and new my garage springs were, because they were less than five years old, and they just needed to be tightened, he tried telling me that it's not possible to tighten garage door springs, something I knew for a fact was bullshit. I pushed back on him and was about to tell him to just leave when instead he had me sign a thing saying that he couldn't promise that fixing the springs would fix the problem and if I called them out again it would be another service call fix instead of guaranteed work. In the end, I got what I wanted but paid too much and marked that company in my phone as "never call again." The work they did do was fine, but screw them.
Get Handyman to take care of the fallen tree - Check, a day or two after power came back. I tipped him extra for it, too, because he always takes care of me. My insurance lady told me what I paid was quite inexpensive for the job.
Work with Insurance - Yep! We'll get to that.
Talk to my neighbors about the fact that I’m going to get a wood fence put up to replace our chain link one. YEP. We'll get to that, too.
Get the electrician back to wire up the house for a generator. Nope. Not yet. But someday.
Buy a generator Not yet, but again, someday.
Clean out the garage, for real. Maybe when it's not 100 degrees out every day again. But yeah, on the list, for multiple reasons.
So yeah... the last six weeks or so have been a trip.
PART TWO: Getting Money
One of the things I did when I didn't have power was see that we could file a claim with FEMA for disaster assistance. I figured... why not. A day or two after I got power back, a FEMA inspector lady called and then came to the house. I pointed out all of the things. I ended up getting a little bit from FEMA. Not a ton, but honestly, I was grateful. Anything helped.
Later that week, or maybe the next, my insurance sent an adjuster. Crazily she was flown down from another part of the country, she was living in the exact town that I grew up in. Like it is not a huge town. Not "small" but also just not somewhere you'd expect to meet someone from on the reg. So we had a good time chatting about the city when she came to inspect the house.
Insurance gave me an OK amount. My roof was old so they only paid out 40% of the replacement cost. And yeah, that's about what I got from them them with the final price when it was all said and done.
PART THREE: Finding Help
My roofer initially seemed great. I was excited to work with him. When the insurance came, instead of him coming, he sent an "assistant" who didn't really seem like he knew much of what he was doing or was very helpful. But hey, you know what? right after a storm like that, they're gonna be busy.
Several times over the next couple of weeks I texted him asking how things were progressing on just getting me a quote. He sent a whole other guy over like two weeks later for the fence quote. He barely seemed interested to be there. Um, okay. He also wouldn't even give me a ballpark at the time. Whatever.
Two weeks after that I hear from the roofer that he's almost done with my quote. By then it was the weekend before July 4th.
I'd gotten the money from the insurance. I'd sent the documentation of their payout to the roofer and made it clear I had a sum of cash above that (not exactly how much) to come out of pocket, and a priority list for the work to be done. My best guess is that he figured my business wasn't worth as much time as other people's, so I kept getting shuffled to the bottom of the stack. OK. His prerogative. Fair. But I was at the limit of my waiting, considering how bad my roof was.
My across the street neighbor had told me that she had her roof redone a year or two ago who she said did a good job, and he'd come to see how her roof fared from the storm and told her to give me his number if I wanted him to look at it. So when I didn't hear from my roofer after July 4th week, I went and asked her for the number, then texted Joel, the new roofer.
Anyway, Joel came out the next day. I showed him all the work I'd been approved for. He and I negotiated a price and materials for the roof. A price was set that was right about what I thought it should be.
Still had some money leftover in the budget so I asked about a fence, specifically an 8' Cedar fence. His quote was $1k more than I was hoping it would be, but honestly, still what I thought was a good deal.
He also mentioned a price for the patio roof. I was at my hoped-for spend limit and would get back to him about the patio roof.
In the end, I pulled a little more money together and told him to go for it.
That was Tuesday and Wednesday.
Original Builder sent me my quotes on Wednesday. How nice. Too late. Also they were like 30% higher than what I settled on with Joel. He just emailed them, didn't even bother to follow up with a text.
I had a polite response planned out in my head if he'd texted or called. But he didn't. Oops, I guess I didn't see that email.
PART FOUR: The Survey Drama
Thursday, Joel and his main builder came out, tore out the chain link fence and started putting up 10' poles for the 8' fence (2' of which is buried in concrete in the ground.)
Joel also told me that he needed a copy of my land survey for the build permit, which I should have from when I bought the house.
I spent a good hour searching through every document I had from when I bought my house in 2003 looking for it. And I felt I'd pretty much kept everything. I had my bids on houses I didn't win in there. I had notes that I took back then.
I did not have a survey. Well... shit.
So, I started by looking at the city website online. The city does not keep copies of surveys.
So I tried calling my mortgage company. Except oops they went out of business in like 2010.
Getting real panicked, I threw a hail mary and went to look up my Title company. They'd been bought out in like, 2007. But there were a couple of people working under franchise names of that company still. A total longshot, but I called the person nearest me.
That very nice man said he couldn't help me BUT I should call the home office. He gave me the name and number of a lady named Kim.
So I called Kim, and she was very very sweet. And extremely doubtful she had anything on file, but she would get with the records department and look.
A half hour later she called back. THEY'D FOUND IT. Holy crap. Even she was astonished.
I thanked her profusely and asked her to thank the records department. A few minutes later, the survey was in my email. And hey, it had my signature from 2003 on it! I sent that over to Joel and we got the permit. WHEW. Work continued.
I printed out three copies of the survey and emailed it to myself at two other email addresses.
PART FIVE: Communication
I texted my neighbor on the side where the fence would be built (the other neighbor had built their fence, also an 8' cedar fence, like 20 years ago, so hey, at least I only had to pay for two full sides and two fronts.
Technically I text with their daughter, as her parents don't speak English. They knew that this was coming and were cool with it. They knew the fencer would need to do some work in their yard and that there would be no fence for a little while. I asked Joel to please help minimize the time there was no fence for their dog (a pitbull, she's very sweet) to be penned in by.
Just want to say my neighbors are saints. They were very cool with everything, though I sent them many apologies. It was especially frustrating because we took the fence separating our yards down on Friday and there was no full fence put back up all weekend. It couldn't be avoided, though. Just wish the days had gone by faster. They could only let the dog our on the leash for those days. I asked (daughter) several times what I could do to say I'm sorry and thank you and they were really just kind and chill about it anyway. I am still thinking of something I could do for them, though, once this is all over. My initial thought is a small basket of dog toys and treats for the pupper.
I also started discussing paint stain colors for the fence with Joel, and let my neighbors help me make a decision, since they'd have to look at it, too. In the end, we decided to go with the same brown color that the fence on my other side already was. I kinda wanted to go with maybe a dark grey, which would also match the neighbors house well, but that's what they wanted and having a color match was my other main choice, and probably the right one, even if it doesn't match with our houses.
Mostly I'm glad my good relationship with my neighbors is intact.
PART SIX: CONSTRUCTION BEGINS!
Okay yeah so Thursday some poles got put up. Friday the rest of them got put up. Joel is mostly coordinating everything, the main builders are Jose and his wife Maria. Neither of them speak English and my High School and College Spanish were uh, 30 years ago but I retained a decent amount. Mostly though, we communicate through whatever sentences I can piece together and a lot of Google Translate. We have had entire conversations through Google Translate. It's great.
Saturday the work on the poles were finished and Sunday no work got done... I mean... it's Sunday. It was only annoying because of my neighbors having to take care of the dog and I felt bad about it.
Over the weekend I also picked out roof shingles. I got an architectural single, which is a nicer shingle. I wanted a medium-grey color -- I never liked the light grey my old roof was, I didn't pick it out, though I know lighter is probably cooler. I picked what I thought was a nice compromise.
PART SEVEN: Roof Day One
AKA my new Skylight.
Monday I woke up stupid early for no reason. But it was fine that I did because at 6:30am the doorbell rang. The roofers were here. And they got started right away.
It... was loud. I knew it would be but I don't think I was quite prepared for how loud.
But I had little to do after welcoming them, so I mean, when it was time for me to work (my job is 100% WFH still, yay!) I just got to work, doing my best to ignore the noise and hoping they wouldn't fall in on me. The cats were terrified and hiding, curled up together under my recliner in the living room, their normal safe place. I put food, water and their litter box in there, closed the door 90% of the way, and let them be.
Anyway, here I was, working away in my office and at about 10:15 am, there was a bright light and a foot in my ceiling.
First and most importantly, he is fine! He slipped and his leg fell through. It wasn't the end of the world, and MOST important, he CRAZILY fell through right above my very tall bookcase, the tallest piece of furniture I own. Instead of falling completely through the ceiling, he "stepped" two feet down, and his foot caught on the bookcase, and he pulled it right back up. If this had happened ANYWHERE else, it might have been a LOT worse.
Joel and Jose came in and assessed the situation and Jose said no problem. For about three hours the hole remained, until Joel came back from Home Depot with some drywall, and I had a funny story to tell all my friends, co-workers and family. That angle in that pic up there is literally an angle from where I sit while I work all day. Lots of fun comments about my new skylight and terrible puns from my brother.
It currently looks like this:
You can see the scuffs on the wall from the guy who fell's shoe!
Jose came in and got the drywall on and the spackle in. There was a crack already from the window to the ceiling, from the house settling, so he just went ahead and spackled that, too.
I actually have the paint can for that paint in my garage, so I handed that over to them to paint match.
Honestly, aside from being glad the worker is OK, I do not get upset over stuff like this as long as it gets fixed, and it well, so it's fine!
There's a similar hole in my garage ceiling, too, which still needs fixing.
The roof workers worked from 6:30am until 9pm. It was 100 outside that day. They were amazing.
This was taken Mid-day when they were eating lunch.
I not only was getting new shingles, but new decking (aka the wood that the shingles rest on that is connected to the rafters. I know they didn't redo the decking in 2003 when I bought the house and they put the cheapest roof possible on it before selling it to me. Joel confirmed that there were several rotting places in the decking and I saw a few pieces myself. And under in the attic the decking they installed a Thermal layer for more insulation that wasn't there before.
I did have good insulation installed pretty early, like 2005, so at least when the power has gone out since it's stayed nicely warm/cool depending on the season.
I had some old whirly type vents coming out of the house. Several of them were either broken or uh... very squeaky. Especially when it was cold, one of them had a definite squeak that you could hear outside and it was mortifying if my neighbors could hear it. That one, or maybe another one, rattled really badly when it was windy, too. TBH I would just put in my headphones to sleep sometimes because of roof noise the last year or two during very cold or windy nights.
Well, the roofers got rid of all of those. In place, they put a ridge vent, which basically means a tiny gap along the entire top ridge of the house, covered up by a special shingle. I learned all about it when I watched a Youtube about it the next morning after looking at it and going "WTF is that little bump?" Anyway, no more loud squeaky/rattling vents for me. My house is modern now. :D
So anyway, Monday night they finished getting roofing over the entire house, but the garage still wasn't done.
This was taken early Tuesday morning, there'd been tarps over the garage that night. There was no rain forecast, so everything was cool.
PART SEVEN POINT FIVE: No Internets (Part 1)
This is part 7.5 because I had to come back and add it in later when I forgot to add it until I was almost done writing, and I don't feel like correcting all the section titles, but it is absolutely part of the story.
Monday early evening as they were hurrying to finish getting roofing over at least the house part of the roof they got some of the garage done. Around 7pm there was a blip where my internet went out, but it came back.
And then at like 8:15 as they were finishing, it went out and DIDN'T come back.
I did all the normal troubleshooting things, put in a ticket with my provider, and called tech support.
Eventually I got someone on the line who asked me to make sure everything was plugged in, what, like I'm some kind of idiot? I work in IT! I know what I'm doing! But, I humored her. And she reminded me that there's not only the box on the outside of my house, but also the one in the garage, could I please check to make sure that was plugged in?
OK Sure. Constructions been going on, I'll humor her.
So anyway, I had forgotten the the box in the garage was plugged into an outlet in the ceiling that had been put there for my garage door. It had come completely out in all the banging from the roofers.
OK no problem, right? I'll just plug it back in, and voila! Internet!
Um except the plug is right above my car, like dead center.
OK sure, just gotta move my car!!!
...except there was a dumpster in my driveway, riiiight behind my car. I couldn't move my car more than a foot if I tried.
I spent like 10 minutes trying to reach it with my stepladder (nope not even close) or maneuver it back in with a broom handle (lol noooo chance) and gave up.
I took this pic just now for illustrative purposes. The plug is now plugged back in. But yeah, I had to cancel my Monday night PF2e game from last of Internets.
In the morning, I overslept, and they rang the doorbell to let me know they were there. I saw Joel and waved to him, and one minute later I went back outside to tell him about the internet problem. He was gone. I texted him, didn't hear back. It was getting close to work time, so I called him and he'd left as soon as he saw I was home and ready for the workers to work. I didn't realize he was so far away already, but he still turned around, came back in, and figured out a way to plug the plug back in without standing on my car. I was a half hour or so late to logging into work but it all worked out. Just a little bump in the road. I felt bad that he had come come back from wherever he went, too. I swear I looked for him a MINUTE after I saw him that morning!
Part EIGHT: Fencing!
While the roofers roofed, Jose and Maria were busy with the fence. And by the end of the day Monday, they had most of the neighboring fence with the dog put up.
In the picture in part 7 above, on the left is the fence that's been there 20 years. You can see that those neighbors put the "ugly" part of the fence with the poles and boards on my side.
Honestly I've been mad about it for the 20 or so years it's been up. Not like super mad, I never talked to them about it, but I just thought it was really shitty of them to do that. I've always tried hard to be as kind and thoughtful to my neighbors as I could be and wouldn't have dreamed of doing that if I had put the fence up first.
In the alley and the other side of their house, the pretty side is the outside and the ugly side is inside. But on THAT ONE SIDE, they gave me the ugly side. Never talked to me about it, never consulted me about the fence, it just went up one day and I was left to deal with it.
I've always even since been kind about granting them access to fix their fence and am on good terms with the wife of the couple of who lives there. And when my house was broken into in 2011 the husband heard it happen and called the police and gave a statement, which I thought was very good of them, the police were able to get my house sealed back up somewhat so when I came home a few hours later the damage as minimized.
So yeah, I'm not sure why I got the ugly side of the fence from them. Also like, it seems way easier to climb that side of the fence so all they did was make their own yard less secure? I didn't want that! A big part of wanting an 8' fence was more security!
Anyway, it was important to me to not make my other neighbors look at the ugly side of the fence. Also, I just figured why not have it look the same all the way around? And again, the security issue.
But also... like two or three years ago the neighbors on that side put up sheds on their property... and backed them right up to the property line. Again, no discussion with me, they just did it, and by the time I saw it, happened it was too late to change anything.
I wasn't super happy with it because of this scenario right here.
Sunday Joel and I had a long conversation about what to do about it, and I was still committed to wanting the ugly side on the inside. But they literally couldn't hammer back there to get the fence up behind the sheds.
In the end, we went with an, admittedly weird, compromise.
Note that that side of the fence goes that far back so that both of the windows on that side of the house are inside the fence. Again, security.
So yeah, the fence swaps facing mid-way for just the part where their sheds are. I still have mixed feelings about it but honestly, it's fine. I wish it could look completely the same all the way around, but, it works OK this way. Maybe I should have made the neighbors look at the ugly side the entire way, but the security issue was important in my mind... even though tbh anyone who really wanted to could just climb up on my neighbors sheds and hop over. It's a little weird and I guess technically I gave up a few inches of unusable property there, but it's a compromise I can live with any whoever buys the house after me can live with it, too.
Honestly at this point, can't wait for them to finish the fence all-around because I feel like I can barely sleep knowing all this expensive STUFF is just laying around my wide-open yard.
It's also real dumb because my 4' chain link fence kept no one past five years old out of my yard, it wasn't even padlocked, and yet I feel less secure with no fence.
This is what the back of the fence looks like right now (Thursday morning) and has since... I think Monday or maybe Tuesday. Joel's had problems sourcing more of the right boards. The gap on the left is, of course, where the back gate will be. I do feel better having it like, two-thirds done at least. there's also no gate on the front yard yet, either, which will just be flush with the end of the fence there.
PART NINE: The Patio Begins!
The roofers were done with their parts Wednesday afternoon. And I love the roof so much, but I'm going to hold off on posting pictures of that quite yet!
The patio roof before, if I had to guess, was built in the 1980s. The roof itself was just a big piece of corrugated metal, held up by some OK-built wood beams and ironwork pillars in the front. It was fine, it was functional. You can see in this pic from last month pretty well the construction and also how it was getting holes in it.
The wood was also really starting to rot. There were a couple of places where it barely still connected because of wood rot. I'd guess within 5 years it would have been falling down. It was definitely time for a new one, and the price Joel gave me I thought was really fair for a patio roof of the same quality.
Well, I was wrong about the quality.
When Jose ran out of wood for the fence, he and Maria got started on the patio. First, they demo'd it.
Oh hey, also first look at the new roof color.
That's how my patio looked all Tuesday night to Wednesday morning. You can clearly see in that second picture some of the wood rot. Here's some more of it.
That piece on the upper left I'm pretty sure was the part right over my patio door that I had to look at basically like, all the time. It was disintegrating.
So yeah, I was so glad to see that go.
A couple of years ago, when the big tree near my house was still there, it hadn't gotten trimmed recently and there was an ice storm. The tree branches swung low and the icy branch ends were smacking against that metal roof in the wind. It was loud and spooky. I had to go sleep in the living room that night from the sound. I really didn't like that metal roof.
I'm never going to have that problem again, since no tree there (for now...) but also the construction of the new patio roof is very different.
We'll get back to that.
PART TEN: Crazy Wednesday
Wednesday morning began with me realizing that all the banging and knocked one of the lights off of my bathroom ceiling. No problem, Let Joel know, it'll get fixed.
Jose and Maria finished up the demo of the patio roof (chunks of it are still in my yard).
I honestly had no idea what they were planning to do to replace it. Joel just told me to trust him, it's going to be great. OK!
The next thing I knew they're cutting into my house. WTF? Trust me, Joel said, it's gonna be great. OK!
Tuesday the sewer had started backing up again. God damnit, it JUST HAD backed up and I had it cleaned a month and a half ago when I got power back. So I called the plumbers, they were scheduled to come out that afternoon.
Just another thing I didn't need, but whatevs. I had a very productive morning for once this week while working, at least.
In the early afternoon, they had started to demolish more of the patio than I expected. They cut through some of the eaves, and took some of the facing off of the house where I wasn't expecting.
The plumber also arrived and was doing his thing. He then told me that my entire sewer was fine, I didn't have a stoppage. He took me out in the alley, though, and showed me that there WAS a stoppage outside the property line in the alley, and told me to put in a ticket with the city.
Kinda hate that it cost me $350 to find that out, but mostly it was a bit of a relief that it wasn't actually my problem.
I went back inside, put in a ticket with the water department, and got back to work.
Then, weirdly, my internet went down again a half hour or so later.
I checked all of the connections, then got a sinking feeling. I went outside and saw more stuff cut down and in that stuff was... a wire. I looked inside that wire and yeah... that's an internet cable.
That's a terrible picture but you can see some of the facing it came out of, lol.
Literally as I was taking that picture, a guy from the water department walked up to me and told me that there was indeed a stoppage in the alley. Because some kid had unplugged the cleanout line behind my house and dropped a baseball down there. The baseball was probably stopping up the entire block.
They couldn't get it out, so they were putting in an emergency ticket to dig up the line, and pull it out. I wouldn't have sewer for a day or so.
I think the "How SCREWED AM I with all of this going on!?" look on my face (though I was very polite and not upset with him obviously) paired with the state of my yard and the work being done gave me some sympathy -- he assured me I didn't have to pay for it, and he'd let me know when things would stop.
Ooooohkay.
It also started to drizzle a little at that point, but it never actually rained and work didn't have to stop, thankfully! Instead, Jose and Maria had a lovely overcast day in the 80's to work in. I had been worried about them the last couple of days and had supplied them with a big box of water (From a water delivery service) and big cups of ice to make sure they were well hydrated.
I went back in my house, laid down on the couch, and tried putting in a ticket with my internet company. The chatbot wouldn't let me do it, so I called and sat on hold for 45 minutes just staring at the wall. This was A Lot.
I also let my boss and Eric, my friend/co-worker who lives nearby know. Eric was up at the office today, but told me he was about to come back home and would bring me a hotspot, so I'd have SOME internet.
While I was laying on the couch, the doorbell rang. It was the water guy, and with a big smile on his face he told me that his coworker was able to use some tool to get the baseball out! There'd be no sewer work needed and things were flowing freely.
Fiiiinally, a break.
Eventually got to talk to a real person on the phone with the internet company, and not long after Eric arrived with the hotspot. I showed him around the mess a bit. After over an hour "break", I got back to work.
And as of Thursday morning, I'm still on the hotspot. But this one is pretty fast, and it has a network jack, so I even got to run my Wednesday night D&D game off my PC last night. What a relief.
Internet company should be here this afternoon to fix stuff. I'm probably going to have to pay for that, though.
The other great news is that somehow i didn't even notice that the gutter contractor had been here, done his job and left!! I don't even know when he was there/did his job, and my office is the front of the house! Maybe he did it when I was laying on the couch in the living room!? It was FAST, though. Joel just called to tell me to go outside to look, and WOW. He'd said they might do black gutters. I was unconvinced but trusted him.
He was so very, very right.
Anyway, finally, here's a pic of the front of the house, with the new roof and black gutters.
Holy crap, what a difference. My house almost looks fancy now. Almost. The shingles are so gorgeous.
You can see that ridge vent pretty well there. And that's with the old white gutters obviously. The black gutters give the house a really striking and defining line that really pops.
Here's a quick comparison with the old roof and gutters:
A truly amazing difference. And yeah I need to paint the garage door. Going to actually get to that now.
PART ELEVEN: The Patio Continued.
SO! They got so much done, and although there's a lot to do, I am already so well pleased.
The reason they were cutting into it so much was because they'd determined that the best course of action was to have hte patio become a part of the roof, and it would be built on a similar slant instead of just a flat piece of metal. Instead, it would just be a full roof anyway.
The posts are huge, thick wooden posts, which Joel tells me will be covered when they're done.
The roof is literally... the thermal barrier, decking and will be the same siding as the roof I already have.
This is what it looks like as of last night...
They did accidentally also break the light cover over my porch light so that'll need to be replaced, but it's small potatoes.
I still don't have a full picture of what it's going to look like, and I'm so excited for it. It's going to look so nice. I've loved the work Joel and Jose/Maria have done so far and honestly trust them completely with whatever now. The quality is fantastic and despite the little hiccups, things are actually, honestly going well.
I'm going to post this now and report back in a couple of days when it's done! I'd planned on holding off until it was ALL done, But this is post is already long enough!
This has been one of the biggest money commits I've ever done, after buying my home and buying cars, but honestly, totally worth it.
Gonna suck if I end up selling the house to gtfo of Texas in the next couple of years, but at least it'll sell for more if it looks this good!
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What to Consider Before Hiring a Nationwide Car Carrier Service
When it comes to transporting your car across the country, choosing the right nationwide auto transport companies is crucial. With so many options available, it’s important to know what factors to consider before making a decision. From understanding costs and insurance to checking reviews and delivery times, being informed can save you time, money, and stress.
This guide will help you identify key points to evaluate, ensuring that your car arrives safely and on time. Let’s explore what to keep in mind before hiring a car carrier service.
The Importance of Transparent Pricing
Transparent pricing is crucial when it comes to finding information about a reliable nationwide car transportation reviews. Car owners deserve to know exactly what they are paying for and should not be surprised by hidden costs or unexpected fees. Transparent pricing builds trust between the customer and the auto transport company, ensuring a smooth and satisfactory experience for both parties.
Types of Additional Fees
Auto transport services may have various additional fees that customers should be aware of. Some common types of additional fees include:
Storage Fees: If the vehicle needs to be stored at a facility before or after transportation, there may be storage fees involved.
Expedited Delivery Fees: If you need your vehicle to be transported within a shorter timeframe than usual, there might be an expedited delivery fee.
Insurance Coverage Upgrades: Standard insurance coverage provided by the auto transport company may have limitations, so customers might opt for additional insurance coverage at an extra cost.
Fuel Surcharges: Fluctuating fuel prices can lead to fuel surcharges being added to the overall cost of transportation.
It is essential for customers to inquire about these potential additional fees upfront and ensure that they are included in the initial quote provided by the auto transport company.
Avoiding Hidden Costs
To avoid hidden costs with auto transport services, here are some tips:
Read Contracts Carefully: Thoroughly review all contracts and agreements before signing them, paying close attention to any fine print or clauses regarding additional charges.
Ask Questions: Don't hesitate to ask the best nationwide auto transport about any potential hidden costs or fees that may arise during the transportation process.
Get Everything in Writing: Request written documentation detailing all costs and fees associated with the auto transport service to have a clear record of what is included in the agreed-upon price.
Research and Compare: Conduct thorough research on the reliable nationwide car transport, comparing their pricing structures, services offered, and customer reviews to ensure you choose a reputable company that offers transparent pricing.
By being proactive and well-informed, customers can minimize the risk of encountering unexpected fees or hidden costs when using auto transport services.
Transparency in pricing should be a top priority for both customers and auto transport companies to foster trust and provide a positive experience.
Research and Choose a Reputable Nationwide Car Carrier Company
Before you can transport your car with a nationwide car carrier company, it is important to conduct thorough research on a reputable and reliable company. Start by asking for recommendations from friends, family, or colleagues who have previously used such services.
Additionally, read online reviews and ratings to find more information of the experiences other customers have had with different companies.
Once you have gathered a list of potential car carrier companies, it is essential to verify their credentials and licenses. Check if they are registered with the Department of Transportation (DOT) and have the necessary insurance coverage. You can also check their safety records on the Federal Motor Carrier Safety Administration's website.
Considerations when Choosing a Nationwide Car Carrier Company:
Years of experience in the industry
Type of services offered (open or enclosed transport)
Pricing and payment options
Insurance coverage provided
Delivery time-frame
Get Quotes and Compare Services
Once you have narrowed down your list of potential car carrier companies, reach out to each one to request quotes for transporting your car. Provide them with accurate information about your vehicle, including its make, model, dimensions, and any modifications that may affect transportation.
When comparing quotes, consider not only the price but also the services included. Some companies may offer additional perks like door-to-door delivery or real-time tracking updates. It is important to weigh these factors against the cost to determine which option provides the best value for money.
Tips for Comparing Car Carrier Quotes:
Ensure all quotes include similar levels of insurance coverage
Ask about any additional fees that may apply, such as storage charges or fuel surcharges
Inquire about the company's cancellation and refund policies
Check if they offer expedited shipping options if you need your car delivered urgently
Prepare Your Car for Transportation
Prior to handing over your car to the car carrier company, it is important to properly prepare it for transportation. Start by thoroughly cleaning both the interior and exterior of the vehicle. This will make it easier to inspect for any pre-existing damages and ensure a smooth handover process.
Next, remove all personal belongings from the car. The car carrier company is not responsible for any items left inside the vehicle during transport, so it is best to empty it completely. Additionally, disable or deactivate any toll tags or parking passes to avoid unnecessary charges during transit.
Steps to Prepare Your Car for Transportation:
Clean both the interior and exterior of the vehicle
Inspect for any existing damages and take clear photos as documentation
Remove all personal belongings from the car
Disable toll tags or parking passes
Ensure the fuel tank is no more than a quarter full to reduce weight
Finding a trustworthy auto transport service in California and nationwide is essential for secure, swift, and hassle-free car transportation. By considering key factors such as experience, reputation, pricing, and customer support, you can locate a reliable company.
Additionally, verifying certifications and licenses, checking the track record of safely transporting vehicles, and consulting reputable resources for reviews and ratings will help you make an informed decision.
Be cautious of red flags indicating an unreliable company. Taking steps to ensure the safe transportation of your vehicle, such as thorough inspection, removing personal belongings, and providing accurate contact information, is crucial.
Reliable auto transport companies may offer additional services like enclosed carriers, GPS tracking, expedited shipping, door-to-door service, and insurance coverage options for added protection.
With this guide in mind, you can confidently find a trustworthy auto transport services in california for your car transportation needs.
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Common Mistakes to Avoid When Applying for a Home Loan in UAE
Applying for a home loan in the UAE can be a complex process, and avoiding common mistakes can help you secure the best terms and conditions. This guide highlights common pitfalls to avoid when applying for a home loan in the UAE.
Understanding Home Loans
Home loans, or mortgages, come in various forms, including fixed-rate, variable-rate, and Islamic mortgages. Each type has its benefits and considerations.
Fixed-Rate Mortgages: These loans have a fixed interest rate for a specified period, providing stability in monthly payments.
Variable-Rate Mortgages: The interest rate fluctuates based on market conditions, which can lead to lower initial rates but potential increases over time.
Islamic Mortgages: Compliant with Sharia law, these mortgages involve profit-sharing rather than interest payments.
For detailed information on home loans, visit home loan dubai.
Common Mistakes to Avoid
Not Shopping Around: Failing to compare different lenders and loan products can result in higher costs and less favorable terms.
Overlooking Fees: Be aware of all fees and charges associated with the loan to avoid unexpected expenses.
Ignoring Pre-Approval: Getting pre-approved helps streamline the home search and strengthens your bargaining position.
Taking on New Debt: Avoid taking on new debt during the loan process, as it can affect your financial profile and loan approval.
Not Understanding Loan Terms: Ensure you understand all terms and conditions of the loan, including interest rates, repayment terms, and early repayment penalties.
For property purchases, explore Buy Luxury Property in UAE.
Steps to Securing a Home Loan
Assess Your Financial Situation: Begin by evaluating your financial health. Calculate your income, expenses, and savings to determine how much you can afford.
Improve Your Credit Score: A high credit score improves your chances of loan approval and favorable terms.
Save for a Down Payment: Aim for at least 20% of the property's value to reduce mortgage insurance costs and improve loan terms.
Compare Loan Options: Different lenders offer various products. Compare rates, terms, and conditions.
Get Pre-Approved: Pre-approval provides an estimate of how much you can borrow, making the home search more focused and efficient.
Submit Your Application: Complete the mortgage application, providing necessary documents such as proof of income, credit history, and property details.
Loan Approval and Offer: Once approved, the lender will present an offer detailing the loan amount, interest rate, and repayment terms.
Finalizing the Purchase: After accepting the offer, work with your lender to finalize the purchase. Ensure all legal and financial aspects are in order.
For rental options, visit Apartments For Rent in Dubai.
Tips for a Smooth Home Loan Process
Maintain a Good Credit Score: A high credit score improves your chances of loan approval and favorable terms.
Avoid New Debt: Refrain from taking on new debt during the loan process to maintain your financial profile.
Consult with a Mortgage Advisor: Professional advice can help you navigate the complexities of securing a home loan.
Understand Fees and Charges: Be aware of all fees and charges associated with the loan, including processing fees, valuation fees, and early repayment penalties.
For luxury properties, explore Luxury Properties For Sale in Dubai.
Legal and Regulatory Considerations
The UAE has specific regulations governing mortgages. Ensure compliance with all legal requirements, including property registration and transfer fees.
Dubai Land Department (DLD): The DLD oversees property transactions. Ensure all documents are registered with the DLD.
No Objection Certificate (NOC): If buying from a developer, obtain an NOC confirming no outstanding payments or disputes.
Conclusion
Avoiding common mistakes when applying for a home loan in the UAE can help you secure the best terms and conditions. By following the tips outlined in this guide, you can navigate the process efficiently and achieve your homeownership goals. For more resources and expert advice, visit home loan dubai.
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Arizona Down Ballot Proposition Breakdown
Proposition 133: Partisan primaries (NO)
Proposition 133 would amend the state Constitution to require partisan primary elections for all partisan offices. Not good. Primaries should be open so independents have say. Having open primaries is on the ballot so this is like a shitty way to counter if that one passes and stop us from trying.
Proposition 134: Changes to citizen initiatives (NO)
They want to make it harder to have citizen initiatives and are probably salty we managed to legalize weed and get abortion protections on the ballot.
Proposition 135: State of emergency powers (NO)
Proposition 135 would give the state Legislature the authority to end a state of emergency and to alter the emergency powers of the governor. Our Covid response was honestly terrible, like we opened way early, but they still don't like anything happened at all. No emergency powers to protect people.
More On Arizona Prop. 135 (NO)
Proposition 135 could restrict Arizona governor's emergency powers
Proposition 136: Ballot measure challenges (NO)
Proposition 136 would allow Arizonans to challenge the legality of potential ballot measures before they’re voted on. They want to make it harder for the people to directly pass laws we want. Anti-democratic nonsense.
Proposition 137: Judicial retention (NO)
We can vote out judges and a couple of judges who supported reinstating an 1800s ban on abortions may be voted out and they want to make it so no one can vote out judges ever.
Proposition 138: Tipped workers (NO)
Proposition 138 would allow employers to pay their employees up to 25% less than the minimum wage if those employees are paid the equivalent of the minimum wage plus $2 per hour due to tips. Yeah, they want to be able to pay people 2 an hour so restaurant costs can be passed on to us?
Proposition 139: Right to abortion (YES)
Proposition 139 would establish a right to abortion in Arizona’s Constitution. Actually good, people worked hard to get this on the ballot.
If you vote yes on anything, vote YES on this.
Proposition 140: Open primaries (Yes)
Proposition 140, also called the Make Elections Fair Act, is a citizen initiative that would create an open primary election system in Arizona.
I voted yes, I hope we could have an open primary with one big ranked choice. But who knows if it will do anything.
Proposition 311: First responder death payment (NO)
Tricky. Yes, we want life insurance for firemen, but this prop says the government can use the funds for other things and also pays for it by putting more fees on all criminal charges. And like if someone is arrested for unpaid parking tickets are they gonna be able to pay this extra fee? And shouldn't the government fund their own employee benefits?
Proposition 312: Property tax refund (NO)
Republican lawmakers sent Proposition 312 to the ballot. It would give property owners the opportunity to apply for a property tax refund once per year between 2025 and 2035 to offset expenses they incurred due to a city, town or county’s failure to address a public nuisances, including illegal camping, obstructing roadways, loitering, panhandling, public urination or public consumption of drugs or alcohol. The law would allow property owner to recoup the cost of documented expenses not to exceed the total primary property tax the property owner paid to the responsible municipality in the prior year.
What a yes or no vote means
A “yes” vote shall have the effect of establishing the right to apply for a refund from a property owner’s most recent property tax payment up to an amount that matches costs incurred by the property owner to mitigate the effects of a governing authority’s repeated failure to enforce laws and ordinances prohibiting illegal camping, loitering, obstructing public thoroughfares, panhandling, public urination or defecation, public consumption of alcoholic beverages, and possession or use of illegal substances.
Basically, a criminalize the homeless and if you don't you have to pay rich people money. Bullshit.
Proposition 313: Child sex trafficking sentence (NO)
If passed, Proposition 313, which was sent to the ballot by the Arizona Legislature, would create a mandatory life sentence for individuals convicted of a Class 2 felony for child sex trafficking. Under current Arizona law, a person convicted of Class 2 felony for child sex trafficking faces a prison sentence of seven years to life in prison depending on a number of circumstances, including the age of the victim, the nature of the crime and the person’s prior convictions.
Sounds good right? Fuck sex traffickers. BUT victims of sex trafficking could also be charged so mandatory minimums are problematic.
Proposition 314: Secure the Border Act (NO)
Proposition 314, also called the Secure Border Act, was referred to the ballot by Republican lawmakers. The broad border and immigration legislation was inspired by Texas’ SB 2 and would create a new state law criminalizing crossing Arizona’s border with Mexico outside a legal port of entry.
They want state police to enforce federal immigration laws and cops can just arrest you if they think you're here illegally? Bad
Proposition 315: Regulatory rule changes (NO)
Sent to the ballot by Republican lawmakers, Proposition 315 would require state agencies to submit proposed regulatory rule changes to the Legislature for approval if the proposed rule is estimated to increase regulatory costs by more than $500,000 within five years. The law would allow any legislator or person affected by the rule to ask the Office of Economic Opportunity to review a proposed rule change to determine if it meets the threshold for legislative review.
Makes it so regulators can't effectively regulate because they have refer back to the legislature. Nightmare.
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i signed up for info on your website how long does it take for approval and do you have any information or articles for trying to escape a long term handler who you were married off to and completely bonded to? Other than svali
Six tips for how to prepare to leave an abusive relationship:
Identify ways to keep yourself safe: Identifying your safety includes identifying a safe person to contact for help and a safe place to go after leaving. If applicable, you should also identify steps to protect children and pets and establish code words for danger.
Evaluate the areas in the home that may pose risks: Areas that may be dangerous include those lacking exits and containing potential weapons (such as the kitchen, bathroom, and garage). Additionally, take note of the whereabouts of any guns and make sure they are secured. When there is a gun present, abused women are six times more likely to be killed.6
Set aside spare cash: Gradually set aside spare change and extra cash, and contemplate opening a separate checking account in your name at a different bank.
Pack a to-go bag to be stored securely: A to-go bag should include a list of crucial phone numbers and addresses if not memorized, spare keys, a phone charger, essential documents like driver’s license, passports, green cards, birth certificates, social security cards, insurance cards, marriage license, financial papers, and relevant court documents. Also, include extra cash, necessary medications, spare clothing, and important, irreplaceable items such as photographs, family heirlooms, jewelry, etc.
Ensure your car is ready to go: Maintain the car with a full tank of gas and in good working order at all times. Additionally, park in a manner that allows a quick and easy exit.
Engage in age-appropriate discussions with your kid(s): Have conversations with your kid(s) regarding safety, insisting that they never try to intervene during a violent situation and instead identify a safe person or place to reach out to in case of an emergency.
Create a safety plan
Establishing safety is important. A safety plan can help you outline actionable steps to reduce risk of harm or danger during the breakup process. A safety plan may include:
a person to contact for help or shelter
important items to bring when leaving
steps to protect children and pets
steps to increase safety at work, school, church, and stores
steps to navigate different potential scenarios with the partner
LINK
How To Leave A Cult
Approval requests are checked twice a week and answered. Requests for information take a bit longer.
Oz
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Semen Retention Guide
How to quit porn
Written 2022 - 2023
Below is a guide to help you better understand your addiction and help you quit porn for good.
Find Peace. †
-------------------------------------------------
Pre
*Nothing is scientifically proven and is just my experience
*Document subject to change
*I kept track of every relapse for about 6 months to gain data, and recorded my mindset during the first few weeks of retention to better understand addiction and what causes relapses.
How to Start
Planning ahead (in my experience) is more effective than starting immediately. I find that planning ahead gives you time to come to terms with the End. Plan retention 1 week ahead for best results.
Tip: If you keep planning ahead then delaying it saying "I'll do it next week" then it means you dont WANT to get better. Dont lie to yourself. Make your decision certain.
Triggers
Instagram and Other Social Medias (uninstall)
Uninstall instagram for good.
Dont install instagram to text women. It leads to overall desire, which leads to porn use when these desires aren't met.
Uninstall all social medias. The internet has become lusty.
Mindless Socialization
Mindless communication is the act of texting people with the sole purpose of avoiding solitude. Before texting, ask yourself what are you trying to gain from the person you are talking to. Mindlessly texting random people you are attracted to will not fill your void. It will only make you horny which will cause you to masturbate OR will lead to sex, which will turn your porn addiction into a sex addiction (which is way worse). Once the sex stops the porn addiction will return.
Socializing should be pure. In person. Authentic. One must be comfortable and in love with themselves before searching for love outwardly. Socialization should be healthy and not be centered around sex. Socialization should not be used to fill a void.
Some women will not have your best interest in mind and talk about sex even though you are on retention. Beware of this.
To insure your intentions are pure it is best to wait at least a month before texting women to avoid relapse from lust, rejection, or unmet expectations. Or only limit socializations to in person communications.
Explicit Content (stay off explicit sites)
Avoid / Remove anything that can lead to relapse.
Lack of Sleep / Energy
Willpower is exhaustible. Strength is exhaustible. Sleep early / Eat healthy to get the energy needed to withstand the battle.
Most of my relapses occurred 2am - 5am. I should have been sleep.
Boredom (preoccupy self)
When there is too much time on your hands, there is nothing stopping you from masturbating. Exercise, Take walks, Sit with family, Etc. To preoccupy self. Create a healthier routine.
Days where you know you will have a lot of free time, create a schedule or have plans set aside. The less you plan ahead the more likely you will have free time on your hands. The more free time, the bigger the urge to masturbate.
Tip: Plan some things in public. It gets you out the house and out your head. It gives you a sense of what life really is.
First 4 weeks are hardest (in my experience).
Meditate more frequently and pray more frequently. Take walks more often. Be in public more. Sleep earlier. Cold showers. Hobbies. Fight through.
Lustful thought
Lustful thoughts are like seeds.
If you look at one person lustfully, it may not do much. But, as time goes on and you get more horny, that seed will grow into something much more. The more seeds you plant the less likely you are to win.
Keep your mind away from lust or you risk having those same lustful thoughts reemerge in the future when you lack the willpower to overcome them.
Do not think lustfully at all.
A crack in the dam will cause the water to spill in due time.
Keep your mind seedless.
Keep your dam without cracks.
Wet Dreams
Wet dreams do not count as a relapse. Days after wet dreams (in my experience) are some of the best days. In my research I've found that I was most social after a wet dream. I felt a renewal. This may not be true to all people and the renewal may not come after every wet dream.
Side note: When horny do not try to force a wet dream. Do not look at lusty things before bed. It will not lead to a wet dream. It will only plant seeds. Horniness doesn't increase chances of wet dreams. Wet dreams occur on a biological clock (Mine are about once a month). Horniness caused by trying to force a wet dream will only plant seeds. Too many seeds and you will be plagued with horniness and your chances of success when plagued are near 0.
-----------------------------------
EVERY TIME I relapse I write down the specific reason so I can know what my triggers and weaknesses are. I write down my emotions before relapse to better understand what thoughts lead me to relapsing. I also write down the time i relapsed to better understand when I'm more susceptible to failure. I recommend you do the same. It's very helpful.
Sudden Spike
A sudden spike is a random surge of horniness.
Upon these spikes, one must immediately release them in a healthy way.
(Cold shower, Taking a walk, pushups, etc.)
The bible says: "Run from temptation" So upon being tempted, get rid of it immediately.
I found that these spikes only last 10 minutes or less, so stay mindful of that before you do anything drastic.
I also found that
1) constant and consistent exercise, meditation, etc may reduce the intensity of spikes one will have. (Due to the energy that leads horniness being used before it reaches high levels.)
2) the less amount of lustful seeds planted, the less spikes one will have.
Less seeds planted = Less spikes
More exercise = Weaker spikes
Overcome Darkness
Anger, Sadness, Fear, Loneliness, Stress, etc.
Along with sudden spikes you may feel long lasting changes in mood or may be more sensitive to the problems in your life. This is good because one must feel to heal.
These inner demons are a main cause to addictions due to our need to escape pain. I have gotten in arguments and then later that day watched porn. Our mood definitely effects our urge for relapse.
This is very important.
Your mood CAN CAUSE your horniness. If someone irritates you that day it is best to take precautions BEFORE HAND. If you are stressed, upset, angry, etc. it is best to take precautions BEFORE HAND.
You more than likely WILL get horny soon.
Heal.
Incorporate shadow:
Withdrawal causes negative emotions to occur because they can no longer be suppressed by porn use. When these emotions occur you are more likely to relapse shortly after, if you do not pay attention.
Listen to these emotions instead of running from them. Incorporate them into your being.
Fill the void.
Loneliness:
Avoid socializing aimlessly. Horniness leads to loneliness which leads to desire which leads to relapse when desires aren't met.
Find peace in solitude and in the now.
If you do socialize, it should be in person. Face to face. Learn how to be confident. Learn how to be a functioning member of society. Socialize without lust or expectation of something more. Do not use tinder. Do not use social media. In person socialization only.
Reprogram your mind to real life.
Anger / Resentment:
Speak your truth. Leave once truth is spoken. Do not be afraid. Do not be discouraged. God is with you.
Meditate.
Release expectations.
Heal.
Sadness / Anxiety:
Ask the self "why?". Listen and you will hear the answer.
Last Resort
Before last resort you will be given a choice.
Do not lie to yourself when that time comes.
Masturbate with no porn. (Plan B)
Dont masturbate at all, but IF YOU DO, then do it WITHOUT PORN. Porn is a separate addiction from masturbation, so even if masturbation relapse occurs, a porn relapse doesn't have to happen too.
Porn badly damages the brain and causes addiction to worsen. Porn must include masturbation habit,But masturbation habit doesn't have to include porn.
Still, do not masturbate at all! This Plan B is a very last resort, only to be used by people who dont want to be on retention anymore. You should remain on Plan A if you want more for yourself.
Upon Relapse
After relapse (no porn) reset streak back to 0 and go on another streak.
Do not masturbate again or you will fall back into a habit and eventually start using porn again.
Plan A
Do not relapse regardless of Plan B.
Do not let the plan B give you a reason to give up on plan A. Do everything in your power to not relapse at all.
I feared putting the Plan B in this document at all because some people will grow soft and say to themselves "I'll do the Plan B because i cant make it through A." Those who rely on the Plan B should beware that Plan B may NOT even work. If you are not deep enough / disciplined enough in retention, Plan B will cause you to want to watch porn again in due time.
It is a slippery slope. Once you lost your Plan A streak you WILL LIKELY watch porn again soon because the incentive to keep going is close to zero. A plan B ejaculation has caused me to eventually watch porn because while masturbating i couldn't help but think about porn.
While one half of me believes masturbating with no porn can be a viable strategy, I also believe it is a terrible strategy for an addict. Its comparable to telling a raging alcoholic who is on rehab to drink a beer. Soon that beer will turn into two and those two beers will turn into whiskey again.
So please dont use plan B if you wish to better yourself. Plan B has failed me multiple times.
Stick to plan A with 100% certainty.
Tips
View horniness as a good thing. Something to be proud of. Something to be held on to. View horniness as VITALITY.
Retention with friends can help or hurt you. Their strengths may become your strengths, but their failures may lead to your failures. Choose wisely.
Don't forget your truth. You will lie to yourself sooner or later. Who will win? Who is stronger?
You may experience vivid dreams.
In ancient alchemy, the philosopher's stone is believed to be a substance that can turn lead into gold and turn humans immortal. This immortality, however, was not the end goal, but a necessary step to achieve what comes next. In the same way, semen retention is not the end. It is a means to it. If you treat semen retention as the end goal you will feel your "benefits" leave if you relapse. Use semen retention as a tool to achieve a greater purpose, not as the purpose itself.
When the body begins to fail get it back in order. The mind is harder to fix than the body so do not let the wreckage spread. If your mind fails and you are confused, keep faith. The spirit is harder to fix than the mind. Do not lose your spirit if you lose your mind.
When I quit porn I had no end goal. No set time. I just said "I'm done." If I said "I'll just go one month", then I would relapse eventually because my heart wasn't 100% dedicated to quitting my addiction. You must be ready to 100% give it all up. FOR GOOD. Until then you will constantly fail. Think about all the negatives. Think about what your life has come to. Think about how much worse it would be if you never quit this habit. Think about how great you will be if you quit. Its all or nothing. Small goals will yield smaller results.
The Key
Christ is the only way out of the darkness. Porn addiction is a demonic attack that makes you susceptible to more demonic attacks. The ONLY way to ward off such demons is through a relationship with Christ. Read the bible. Put on your SPIRITUAL armor. It is impossible to quit porn through your power alone. The spirit of God is needed to ward off all spiritual forces.
"For our struggle is not against flesh and blood, but against the rulers, against the authorities, against the powers of this dark world and against the spiritual forces of evil in the heavenly realms. Therefore put on the full armor of God, so that when the day of evil comes, you may be able to stand your ground, and after you have done everything, to stand."
- Ephesians 6:12-13
Jesus loves you more than you can ever imagine. No matter how dark your life may feel, and no matter how deep you are in addiction, He loves you regardless. When society rejects you, remember that you are enough for him. He is by your side, and He always will be.
Final
Once the first wall of your defense is broken the rest will break in just a matter of time.
Do not allow seeds of doubt or negativity to seep in. Do not allow your thoughts to stray from the path. Do not question your journey.
Willpower is exhaustible. Without aim, willpower will fail. So, without a REASON to remain strong, the first wall will break. Do not allow your first wall to be broken. Have aim. Have a reason to stay strong. A reason to not fold. Have Something / Someone to fight for. Something to fight towards.
Reach the peak of your existence.
It is your purpose.
Reach for more.
God bless.
Forever.
End.
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One-Year Multiple Entry Visa
Thailand's One-Year Multiple Entry Visa offers a fantastic opportunity for those seeking extended stays or frequent travels within Southeast Asia. This visa allows you to enter and exit Thailand multiple times within a year, making it ideal for digital nomads, business travelers, and adventurers who want to explore the region at their own pace.
Key Benefits of the One-Year Multiple Entry Visa:
Extended Stay: Enjoy up to a year of uninterrupted travel and exploration in Thailand.
Multiple Entries: Enter and exit Thailand as often as needed within the visa validity period.
Flexibility: Plan your trips without the constraints of short-term visas.
Southeast Asian Hub: Use Thailand as a base to explore neighboring countries like Cambodia, Laos, Myanmar, and Malaysia.
Eligibility Requirements:
To qualify for the One-Year Multiple Entry Visa, you typically need to meet the following criteria:
Valid Passport: Ensure your passport has a validity of at least six months beyond your intended stay.
Sufficient Funds: Demonstrate financial capability to support your stay in Thailand.
No Criminal Record: Provide proof of a clean criminal record.
Health Insurance: Have valid health insurance coverage that includes medical expenses in Thailand.
Application Form: Complete the required visa application form accurately and truthfully.
Application Process:
The application process for the One-Year Multiple Entry Visa can be completed through various channels, including:
Thai Embassy or Consulate: Submit your application in person at the nearest Thai embassy or consulate.
Online Application: Some embassies or consulates offer online application options.
Visa Agent: Consider using a reputable visa agent for assistance with the application process.
Note: Specific requirements and procedures may vary depending on your nationality and the embassy or consulate you're applying to. It's essential to check the official website of the Thai embassy or consulate in your country for the most up-to-date information.
Tips for a Successful Application:
Plan Ahead: Apply for your visa well in advance of your planned trip to avoid delays.
Gather Required Documents: Ensure you have all the necessary documents ready before submitting your application.
Be Prepared for Interviews: If required, be prepared to answer questions about your travel plans and reasons for seeking a long-term visa.
Follow Instructions Carefully: Adhere to the specific instructions provided by the embassy or consulate.
By obtaining a One-Year Multiple Entry Visa, you can embark on a memorable journey through Thailand and explore the diverse wonders of Southeast Asia. With its flexibility and convenience, this visa offers a passport to endless adventures and unforgettable experiences.
#Thailand One Year Multiple Entry Visa#immigration in thailand#immigration lawyers in thailand#thai visa#one year visa in thailand#one year visa#visa in thailand
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Re: the last couple of asks about proship-leaning people who harrass antis
I do believe it happens, even though I've never seen it for myself (but I've seen dozens and dozens of antis /claim/ they've been harrassed by proshippers, never with any proof or evidence) but I'm sure it does happen sometimes, because there will simply be bad toxic people in every community if the community is large enough, you know?
So I'm sure it happens. But there's a few major points that the antis always leave out
1 - proshippers will denounce this kind of harrassment and we don't claim that behavior. We will make it known that we don't agree. Antis will not, they either join in with their side's harrassment or they are complicit
2 - Antis have a proven documented history of not only lying about things that never happened (that "X proshipper did Y immoral thing" with no proof or even when facts prove otherwise) but also of embellishing or twisting things, making callout posts that end up being over nothing, etc. So I do not blame anybody who no longer believes them when they claim harrassment. It's alarm fatigue
3 - no matter how many proshippers /might/ have harrassed antis, the cases of antis harassing proshippers unprovoked has always been /thousands and thousands/ of times greater. For every one proshipper who harrasses an anti, there will be 1000 antis who harrass proshippers, because that's what their community is literally built on.
Which is why it's difficult to have sympathy even when it does happen. Oh, poor anti, a proshipper called you stupid and a child for not being able to tell the difference between reality and fiction? Well, hundreds of antis are telling proshippers to kill themselves, sending proshippers graphic descriptive death threats, gorespamming them, calling their irl workplaces, reporting them to the actual FBI, every single day. There's a disabled queer artist who was fired from their job unjustfully and lost their health insurance and now is going to die. A cosplayer who was wrongfully accused of being a pedophile (the accusors were proven to have lied and made it up) literally killed himself on Tiktok live. Countless, Countless others have been driven out of their communities and no longer participate in fandom, or have been cut off by entire friend groups, isolating them.
So yeah, sure. I believe that sometimes proshippers have harrassed antis. But the level and frequency of harrassment isn't even comparable. The scales are so dramatically, ridiculously uneven between the two sides it's almost a joke. Things are tipped so deeply toward one side over the other it would be insane to claim otherwise.
Yeah, big agree here. I don't endorse proshippers harassing antis. I don't endorse going into tags and starting arguments or sending hate on anon, but it's not particularly arguable that these are largely things antis do. I can't particularly say I've ever seen a proshipper say, even in a joking manner, that they hope someone kills themself due to harassment because it's "deserved", but I sure as hell see that from antis a ton.
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Dubai is a city known for its opulence, grandeur, and breathtaking skyline. To match the extravagant lifestyle of this metropolis, luxury car rental services are in high demand, offering residents and visitors the opportunity to cruise in style. Whether you're in town for a vacation, business trip, or a special event, renting a luxury car is the perfect way to enhance your experience. In this blog, we’ll explore the benefits, popular models, and tips for finding the best luxury car rental in Dubai.
Why Choose Luxury Car Rental in Dubai?
Experience Ultimate Comfort and Style: Driving a premium vehicle like a Rolls-Royce or a Lamborghini ensures a memorable and luxurious experience. From handcrafted leather interiors to advanced entertainment systems, luxury cars provide top-tier comfort and performance.
Make a Statement: Whether for a wedding, business meeting, or simply a night out, arriving in a high-end car makes a bold impression. Dubai’s elite culture appreciates sophistication, and a luxury car ensures you fit right in.
Explore Dubai with Ease: The city’s vast roads, highways, and desert landscapes call for a vehicle that offers both power and convenience. Renting a luxury car allows you to explore iconic landmarks like the Burj Khalifa, Palm Jumeirah, and Dubai Marina in style.
Top Luxury Cars Available for Rent in Dubai
Rolls-Royce Ghost & Phantom: Perfect for formal events or business travel, these models offer timeless elegance and unmatched comfort.
Ferrari Portofino & SF90 Spider: For those seeking adrenaline-fueled drives, Ferrari’s sleek and powerful sports cars provide a thrilling ride along Dubai’s highways.
Lamborghini Huracan & Urus: Whether you prefer the speed of a coupe or the versatility of an SUV, Lamborghini offers vehicles designed to turn heads.
Mercedes Maybach S680: Ideal for business travelers, this car combines luxury with innovation, making every ride a first-class experience.
Bentley Continental GT & Flying Spur: Bentley’s vehicles are synonymous with sophistication, offering smooth rides for both city and desert roads.
Tips for Renting a Luxury Car in Dubai
Book in Advance: Dubai attracts tourists year-round, and luxury cars are in high demand. Booking your car rental in advance ensures you get the model of your choice.
Choose a Reputable Rental Service: Look for companies that have good reviews and offer well-maintained vehicles. NFC Rent, for instance, provides a wide selection of luxury cars with premium service.
Check Insurance and Documents: Ensure the rental service provides full insurance coverage and that you have all necessary documents, including your driving license and passport.
Compare Prices and Offers: Some rental services offer special packages, including chauffeur services or discounts for long-term rentals. Make sure to explore available deals before finalizing your booking.
Understand the Rental Policies: Different companies have varying fuel policies, mileage limits, and deposit requirements. Make sure you understand these terms to avoid surprises later.
Luxury Car Rental with NFC Rent
At NFC Rent, we pride ourselves on providing an exceptional luxury car rental experience. Our fleet includes the latest models from Ferrari, Lamborghini, Rolls-Royce, and more. Whether you need a car for a special event or a weekend adventure, we ensure seamless service from start to finish. With competitive pricing and a commitment to customer satisfaction, NFC Rent is your go-to solution for luxury car rental in Dubai.
Conclusion
Renting a luxury car in Dubai is more than just a mode of transport; it’s an experience that complements the city’s extravagant lifestyle. With a variety of high-end cars to choose from and professional rental services like NFC Rent, you can drive in comfort and style during your stay. So, why wait? Elevate your Dubai experience by cruising the streets in the car of your dreams!
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