#what is renters insurance

[insuranceaims]

What Is Renters Insurance Introduction to Renters Insurance

[all4insurances]

6 Reasons You Shouldn’t Skip Renters Insurance

[emailgremlin]

apartment hunting makes me want to explode

[adjectiveadjectiveadjective]

i wish my anxiety was taken more seriously

[nocaffeineforlevi]

Have to look up average insurance rates for a school project and the difference between the avg monthly rates for auto vs renter's insurance is so funny and depressing to me, like... Auto insurance is almost 250 dollars, meanwhile renter's insurance is 12 whole dollars.

[ivie-ro]

Came home after 10 days at my parents recovering from a tonsillectomy to find my apartment flooded and the majority of my belongings ruined.

The only thing I'm upset about is having to talk to people and let them in my house.

[lathrine]

i wanted to draw some tonight before i go back to work tomorrow, so of COURSE i sat down and spent an hour and a half obsessively thinking about a stupid fucking spam call until i made myself upset and vaguely ill from stress and anxiety

[metamatar]

some of you are being outflanked from the left by the jacobin. lol.

For many loyal Democrats, this will not compute. The Biden economy, party-loyal pundits have said over and over again, is tremendous — low unemployment, strong GDP growth, slowing inflation, a booming stock market — and anyone unhappy about it must simply be brainwashed. Out of view in this self-congratulatory hall of mirrors were the constant statistics that said otherwise: evictions up past pre-pandemic levels, record-high homelessness, cost-burdened renters at an all-time high, median household income lower than the last pre-pandemic year, inequality returning to pre-pandemic levels, and food insecurity and poverty growing by large double digits since 2021, including a historic spike in child poverty. Here’s another thing you might not have heard. Largely due to a trick of history, including the COVID-19 pandemic and a Democratic-controlled Congress, Trump was partly responsible for the creation of what the New York Times called “something akin to a European-style welfare state” in 2020 that reduced inequality and even helped some Americans improve their finances for a short spell — and under Biden, all of it went away. Sometimes that happened due to factors outside Biden’s control and sometimes because of his own decisions, but it always took place with little fight from the president, and it contributed to the ominous rise in hardship under his tenure. That meant not only adding to people’s already onerous monthly expenses — in one case in a self-imposed October surprise that made student loan repayment much more unforgiving for tens of millions of borrowers just before voting. It also saw twenty-five million people being thrown off their public health insurance, many of them in some of the battleground states Harris lost last night. Recall that one of Biden’s attack lines against Trump four years ago was that Trump was going to strip twenty million people of their health insurance. This might have been mitigated had the president passed the flagship policies on his agenda, helping people weather the storm of rising living costs. Those that he did enact he sometimes self-sabotaged. (...)

As a result, Harris’s run was a major downgrade from the 2020 Democratic effort. Biden’s never-passed ambitions to historically expand the social safety net became firmly relegated to distant memory, never to be revived; only the child tax credit and a modest expansion of Medicare benefits survived. The campaign combined a sharp rightward lurch on foreign policy and immigration with a handful of laudable populist proposals to ban price gouging and help out first-time homebuyers (while largely avoiding the national 5 percent rent cap that Biden desperately took on before dropping out and that had earlier made its way into the Democratic platform). Beyond the Medicare proposal and vague promises to protect and strengthen Obamacare, the idea of reforming the broken US health care system — one of Americans’ biggest and most anxiety-inducing costs — was almost entirely absent from the campaign. When voters in a Univision town hall came to Harris with their bleak personal stories of suffering under the health care system and asked how she would solve them, she could give them nothing, because her only real major health care policy was for those over sixty-five and already insured under Medicare.

[cozey]

God this apt better fuxking working out bc my sister and I hav done sooooo much for this stupid apt

[incorrectbatfam]

[at a call center]

Stephanie, to her supervisor: I don't care if the President herself calls. If it's past five P.M. I will not be here.

*phone rings*

Stephanie: Thank you for calling Wayne Insurance, Gotham Division. My name is Stephanie. Before I can assist you, I'll need your policy number.

Stephanie: Ah, Commissioner Gordon. What can I help you with today?

Stephanie: Auto insurance claim. Wonder Woman's shield took a sideview mirror clean off your vehicle. Well, sir, the Wayne Foundation will actually cover weapon-related repairs if—

Stephanie: ...And then Superman lifted the entire car and threw it at a spaceship. Yes, sir, I can help you with that claim.

Stephanie: Commissioner, I see here you live on 57th. That wouldn't happen to be 57th and 11th, would it?

Stephanie: 'Kay, I'm gonna get you set up with a renter's claim as well. It appears in an attempt to wipe out a horde of aliens, the Flash and Green Lantern shattered every window on the street.

Stephanie: Yes, sir, it does appear they were successful and now they're headed toward West End.

Stephanie: Yes, sir, West End and 65th. Would you like me to go ahead and start a claim for your safehouse on that street?

Stephanie: Yes, sir, I'll get those processed right away. Thank you so much for calling.

*call ends*

Stephanie: Boss, I'm gonna go move my car. My new Batman insurance hasn't kicked in yet.

[singlethread]

I miss my old landlord

[hyper-pixels]

How to Grow Up

A guide on how to grow up. It was originally posted by @/friendliness but half the links were broken. So I took what links weren't broken and added other links and more things to know.

This is USA based resources

Personal

Reasons to Stay Alive – A Tumblr post of 116 reasons to stay alive by @/friendliness.

How to Get Better At Asking for Help – Website is Harvard Business Review. The article is “5 Ways to Get Better At Asking for Help” by Wayne Baker.

What to do if you Can’t Afford Therapy – Website is Psych Central and the article is by Steven Rowe.

How to Quit Smoking – “The 22 Best Ways to Quit Smoking” by Debra L. Gordon and David L. Katz M.D. from the Healthy Digest.

How to Legally Change your Name – Website is Forbes.

Wanna Learn Something New? – A Tumblr post made by @/hamletthedane with various new things to try from language learning to ballet.

Free Harvard Courses – Harvard University’s free online courses.

Getting a New Computer? – A quick and dirty comprehensive guide by WIRED on what to look for.

How to Sew – Website is Autodesk Indestructibles. The article is “How to Sew” by Jessyratfink. Having a small sewing kit (that you can pick up from nearly any craft store) is super handy and has saved my life and clothes.

What to Look For in Clothes A YouTube video by Alyssa Beltempo titled “How to Identify High Quality vs. Poor Quality Clothing | Slow Fashion”. Here’s a WikiHow [x] if a YouTube video isn’t your style.

Dealing with Executive Dysfunction – A Tumblr post made by @/compassionatereminders. It's a list to more links on how to deal with executive dysfunction.

Another List Like this One – A Tumblr post made by a now deactivated account. It's a list much like this one.

Home

What’s a mortgage? – Website is realtor.com and the page is called “What is a Mortgage? Home Loan Basics Explained” by Cathie Ericson.

First Apartment Checklist – A checklist PDF. Here’s another link to a Tumblr checklist [x] 

What to Ask Landlords Before Renting? – “25 Questions To Ask a Landlord When Renting a Home” by Morgen Henderson.

What’s Renter’s Insurance? – Website is Forbes Advisor. The article is by Jason Metz and titled “How to Get Renters Insurance”.

Plant Care – A master list of how to care for plants made by @/difficults

Job

Time Management – Website is Entrepenuer and has 10 time management tips. One I personally recommend is keeping a physical calendar book on hand. I keep mine in my bag with a designated pen.

Finding the right job – Website is The Muse and it has 13 free career assessment tests.

Make a resume – Website is Resume Now. Many hirers look at your name, the middle of the page (where your experience list is) and skim the rest.

Job Interview Tips – Website is Linkedin. The article is titled “10 Job Interview Tips to Land The Career of Your Dreams” by Caren Merrick.

How to Write a Cover Letter – Website is The Writing Center. University of Winsconsin, Madison. It’s titled “Writing Cover Letters” and I can’t find the author.

Money

Couponing! – Website is Coupon Database :: Southern Savers. It has a list of mobile apps for coupons to places.

Call 211 for Help – the website leads to 211.org. It's anonymous and can help you get connected to food programs, paying bills and things like doctor appointments. Here’s a Tumblr post about it [x] by @/poessionisamyth

Groceries! – This is a Tumblr meme post, but scrolling through tags/reblogs/replies and there’s plenty of good tips. The post is by @/charlotten

What To Do if You Can’t Pay Your Bills – Website is Nolo. The article is “When You Can’t Pay Your Bills: Thiings To Know” that was updated by Amy Loftsgordon. 

Are You Paying Too Much for Your Phone Bill? – An article by Beht Beverman titled “How Much is Too Much to Pay for a Cell Phone Bill?”.

54 Ways to Save Money – Website is America Saves.

How to Do Taxes – Website is Wiki-How.

The 70/20/10 Method – Website is Business Insider. The Article is “A Beginners Guide to the 70-20–10 Budgeting Method” by Paul Kim.

Side Hustle Ideas – Website is Forbes. “30 Side Hustle Ideas To Make Extra Money In 2024” by Krista Fabregas.

Emergency

Your Rights When a Cop Pulls you Over – Website is Business Insider. Cops are allowed to lie to you, and they will, so be careful.

Hotline List – The website is DoSomething.org. Depression/Suicide, domestic abuse, child abuse and runaway/homeless/and at-risk youth hotlines.

What to Keep in Your Car – Website is MentalFloss. I live in a snowy area that gets blizzards and bad ice. I keep blankets, water and other aids in my car as well as a knife and road flare. I also own a self jumping car battery and it has saved my ass more than once. Heimlich Maneuver – A one minute video by the Mayo Clinic.

The Heimlich Maneuver on Yourself – A one minute video by The List Show TV.

What to Keep in Your Wallet – Website is PureWow. The article is by Rachel Bowie. Keep your drivers license, medical insurance card, and an emergency contact in your card. If you have a pet home alone make sure that you have a card detailing this. Free printable one here [x]

Traveling

Packing List – Website is Smarter Travel.

Traveling with Little to No Money – Website is Nomadic Matt.

How to Pack a Suitcase – Website is Real Simple. The article is by Thersa O’Rourke.

How to Apply for a Passport – Website is WikkiHow.

Making a Travel Budget – Website is Travel Made Simple. “How to Make a Travel Budget” by Ali Garland

[anamericangirl]

Ukraine is getting billions of dollars.

Israel is getting billions of dollars.

Jordan is getting over one billion dollars.

Egypt is getting over one billion dollars.

Afghanistan is getting over one billion dollars.

Illegal aliens are getting thousands of dollars.

And what are Americans who lost everything in a catastrophic hurricane getting? $750 to “rebuild.”

And I can tell you right now most of the people trying to get even that little bit of assistance are getting denied right off the bat until they prove homeowners or renters insurance won’t cover their loss.

Fuck FEMA.

[ghostmoor]

Help my friends recover from a nasty leak in their building that wrecked their bedroom (link)

My best friends CJ and Hex are disabled trans people living in Chicago. CJ has limited capacity to work that's supplemented by SSDI and Hex is totally incapable of working due to a combination of many disabling health issues but most recently the advancement of their EDS and some kind of progressive spinal/neurological issue that has yet to be diagnosed.

Yesterday (14/08/2024) they woke up to find a leak in their apartment building which, over the course of the morning, soaked through pretty much everything in their bedroom and it's still not entirely clear what's salvageable. EDIT: at minimum, they are going to need a new bed and mattress. They and their four cats are currently confined to one room in their already-small apartment, and this is happening on the back of multiple other stressors.

Being stuck on the other side of the ocean means I'm pretty powerless to do much for them but I WOULD like to give them a little bit of respite from the financial stress after this. I'd like to raise, say, $500, but anything helps. CJ's linktree is linked above - take a screenshot of a donation to their fundraiser, paypal or venmo, or purchase from one of their wishlists, and it becomes a fun coupon you can trade in with me for a free sketch.

Alternatively, if you wanna go whole hog: commission me! 5 slots open, first come first serve, money will go to CJ and Hex. You can read more about my commissions on my website and find my email there, or contact me on Discord (ghostmoor).

Cat tax for the long post

Edit 20/08/2024: Renter's insurance has declined to pay anything out. in light of this i want to up my goal a bit.

Edit 31/08/2024: Renter's insurance flipped and paid out! The bad news is that the whole building is leaking water everywhere. The flood was much worse in other apartments than we realised and frankly the habitability of the building is in question at this point. Due to Chicago's fucked up laws around water leaks in their unit specifically they do not have a right to pay reduced rent as they had hoped they would, thus the goal stands.

4/5 commission slots open

$204/$800

[eugenedebs1920]

What the actual f*ck!??? How is this even legal!? I guess I’ve never looked at my mortgage breakdown. I knew I had a pretty garbage interest rate, I was waiting for rates to fall and perhaps refinance. I am absolutely blown the f*ck away!!

I pay an extra hundred bucks a month as to just keep chipping away at the principal for the loan and still!! They’re telling me, that I’ve paid, coming up on $15k on my mortgage since I bought my house last year, but I’ve actually only paid $2,300 on the actual house but I’ve given the bank $9,300 for lending me the money to purchase this piece of sh*t home, that I’ve put tens of thousands of dollars into, copious amounts of blood and sweat remodeling this thing!?!?!! WHAT THE F*CK!!!?

When I bought this POS I purchased it in Jan 2023. The listing boasted an orchard, pear trees, apple trees, peach, pomegranate and fig. When I came to see the house, I knew it needed work, but fortunately that’s what I do for a living is remodel houses.

Come to find out the pear and apple trees are infected with fire blithe, an incurable disease.

I don’t think it was the last owners, probably the ones before them but, when I opened the walls and floor, HOLY SH*T! I didn’t know termites could do that much damage! Those f*ckers covered that termite wood so well, while at the same time cursing me with the worst “craftsmanship” I have ever seen… I used to think building inspectors were a pain in my ass. I’ve never respected them more than after purchasing a home on unrestricted land.

After nearly two years of busting my ass both to pay the mortgage, and renovating this dump, I go to check the fruits of my labor, see how much I’ve paid down the house, to find I’ve paid a month of rent in a city off the actual principal of the house, while nearly 4/5ths went to interest.

I’m shocked! I’m pissed! I’m crushed!

Two f*cking years of busting my balls! Two years of living in a renovation that includes replacing the floor joists and nearly all structural studs, both interior and exterior. Two years of chasing the “American dream”, which is having a small piece of property with a very modest house on it, to find that I’ve paid $2,300 on the house itself.

The rest goes to a giant bank who harbors billions of dollars, that it acquired because it speculated (a fancy word for gambled) with other people’s money, as well as making money off having money!?

Then there’s dumbass Eugene over here, being the f*cking tool he is, just a cog in the machine, a brick in the wall if you will, being a good little serf, “just keep working just keep working just keep working.” Paying into a system he despises, lining the pockets of undeserving CEO’s and oligarchs, then some people are shocked that most of us are like, “serves him right” when a CEO of a major health insurance company gets popped!

I’m an early millennial, late GenX, I feel bad for you GenZers and beyond! Home insurance is unaffordable in many places around the country. A bank won’t give you a loan without your home being insured (don’t get me started on shistey ass insurance companies either) which kinda makes sense, so if your home burns down and ain’t worth sh*t, you don’t just walk away like, see ya ✌️ That is leading to these MASSIVE real estate companies purchasing any home they can get there hands on, not only forcing the majority of the middle class to be renters, but also fixing the price for rent, which if any of you don’t know, in any moderately big city, is out of control expensive!

For a country that decries the horrors of communism there are certain aspects of capitalism that create a subjugated class very similar communism for anyone who isn’t wealthy.

How you may ask?

One of the main principles of communism is the lack of individual ownership. Not sure if anyone’s noticed but every year there’s more you spend, but less you own.

Music and movies are no longer physical objects that one has possession of. They are now linked to a streaming service or app that requires internet, or at best downloaded into a computer.

To purchase a vehicle, especially a new one, requires a loan nearly as extensive as what a home use to cost. Vehicles are $60k-$100k anymore!! If you don’t have the credit (which is a NWO conspiracy, and that’s coming from a liberal) you can’t acquire said loan, which leaves you with the option to lease. Again. No individual ownership.

Video games are more and more becoming software that you connect to the internet to play. In my day we had clunky plastic cartridges that we owned indefinitely. Some video games now require subscriptions to Xbox live, or whatever PlayStations equivalent is, to even play the game you don’t own!

So basically what we “own” is the clothes on our back and the various “toys” we have (mine being tools, which in cruel irony are for work). The rest is consumables. Food, booze, herb, vacations, healthcare. What’s the f*cking point!?

I’m telling you my fellow Americans, Republican, Democrat, Independent, if we don’t rise up against this inequality, we, and definitely our children, will live under an umbrella of capitalism where we stay dry from any of its benefits while the rest soaks the very elite with wealth they don’t need.

The top 10% own 67% of the nations capital. That leaves us to split the remaining 33% between the remaining 90% of us. It’s f*cking absurd!!!

I know I ain’t the only dumb f*ck who works his or her butts off day after day after day, building wealth for someone else while we get but a fraction of the record profits the companies we work for make, and are told to like it or we can be replaced.

I thought I made this next thing I’m going to say up, I’ve been using this analogy for years, but just the other day I heard something similar, so I don’t know if my thought got out to the world, of if I unwittingly stole someone else’s thought years ago and claimed it as my own, but…

Let’s say we’re doing a study on a primate colony. In this primate colony there are one or two monkeys who gather as many bananas as they can, more than they could ever eat, hoarding and bogarting nearly three quarters of available bananas in this part of the jungle. The other 50-60 monkeys are left with a measly amount of bananas, whatever is left on the jungle floor that “trickled down” from these monkeys who are hoarding the majority of bananas.

We wouldn’t look at these monkeys as some kind of geniuses of bananas, or as titans of the banana industry. We wouldn’t look at them and wonder, what is wrong with these couple monkeys?! Gathering up so many bananas while every other primate in the colony struggles just to feed their baby monkeys and get by.

That’s where we’ve gotten as a society. There’s a handful of people hoarding all the damn bananas and we can’t hardly get any! Yet they’ve conned us, in a capitalistic fevor, to glorify them. See them as role models. Aspire to be just like them.

As of now there are 6 billionaires in trumps cabinet. How do these people have our best interests in mind? How do they have any basic idea what the middle class needs or desires? How can they be trusted not to focus on their bottom line as their top priority?

They don’t, they can’t and they won’t.

The last time the markets were deregulated and these “titans of industry” had the reigns, in 2007-2008, it was the greatest recession since the Great Depression.

Anyone who’s kept up with my writing might remember a study I often reference and think of. Getting a good sum of money fires off the same reward centers in your brain as doing a line or hit of blow. The same dopamine and serotonin are released in the same way.

We need to stop looking at the wealthy as people who know how to succeed and start recognizing them for what they really are.

Junkies. Looking for that next line of capital snorted up their nostril. That next hit off the glass rose stem of currency.

The whole while as they’re getting their fix from money, it’s done at our expense (no pun intended). Lessening our pay, the safety requirements we work in, our ability to collectively bargain, our employer healthcare, the labor practices, denying coverage, cutting jobs, automating jobs, working on skeleton crews, practicing predatory lending, gambling with pensions, privatizing social security.

We have to remember. Their obligation is to their shareholders. Not their customers, and certainly not their employees.

This will not change unless we rise up against them. I’m not saying with gun violence or necessarily violence in general. They need to know, that without a workforce, they can’t make money. Without a customer base, they won’t make money. Without money, how will they get the monkey off their back?

Workers of the world unite!

[swappingbryn]

David had been trying to be an influencer since college, but no matter what he did, his follower count remained the same. He knew he had good things to share but no one seemed to listen, so he was stuck working his soul crushing 9-5.

His luck changed for the better after a series of unfortunate events. First, his crappy apartment had to be evacuated due to mold, which forced him to a local hotel (paid for by his renters insurance), then his car died and he was forced to take two buses and a train to work, which meant he didn’t get back until almost 10 at night. Frustrated, Friday night he went to the bar at the hotel to drink away his troubles. That’s when he saw Yung Gravy, the rapper with a huge following.

David was trying to work up the courage to approach him, when the bartender brought a drink over and said “Mr. Gravy sent this since you looked like you were having a bad day,” so he took the drink and decided to go over, but Yung Gravy was gone. The next day, David was at the pool and he saw Gravy again and decided to just ask for a picture, knowing posting and tagging such a famous person would get him some new followers. But when the flash went off, David realized he was taller and looking down at his own body. He quickly grabbed the camera from his publicist and handed back to his former body, who was no utterly confused, and rushed away.

His former body kept trying to approach him, but he reported it to hotel management. Last he heard, his former body was kicked out of the hotel.

TLDR