mysoulishome

mysoulishome , 10 months ago (edited 10 months ago) to Home Improvement in Finishing basement - Colorado

I do insurance claims and best advice I can give you is make sure you have an endorsement on your homeowners insurance that will be called “escape of water” or “sump pump” endorsement and make sure the amount is high enough so that it would cover rebuild if it flooded. You will never have coverage if ground water or surface water comes in directly but if you have proper drainage and a sump pump and it still gets overwhelmed (or sump pump dies) and the water backs up into the basement from the drain or pump…it can cover you. They often come as $5,000 or $10,000 but if it’s a finished basement and damage could cost more than that, make sure it’s higher. I’ve done plenty of catastrophe claims where we just cut everyone who had that limit $10,000 checks immediately and that’s all they’ll ever get. It sucks.

Hopefully you already know about this and have it…I personally feel like if you have a basement and you don’t have this endorsement your agent may be an idiot. Or you chose the coverages yourself and didn’t know what it was.

mysoulishome , 10 months ago (edited 10 months ago) to Personal Finance in Recommendations for Budgeting App (that’s not Mint)

I feel like YNAB is backwards to how I think about money but it’s the only thing that makes sense for my wife, tried every other budgeting program/app and she says it matches the way her brain works and makes sense to her. She has ADD and has trouble with impulse spending. So we use it. As the data guy (I work on the computer all day typing) I reconcile the accounts and transactions…we assign the money together. For the most part it does what it does fine. It is too expensive for sure and I think there is much opportunity for better features, improvement to apps and the website considering how long it’s been around and how many subscribers they have.

mysoulishome , 11 months ago to RedditMigration in What is Reddit CEO Steve Huffman doing?

Betting as a child his mommy told him every day “you’re so handsome and smart”! and when people picked on him he told them so.

mysoulishome , 11 months ago to RedditMigration in Reddit invites mods to “feedback” conversations with the admins

Feedback session? Sure just two things. Fire spez, apologize for spez and then ask me again.

mysoulishome , 11 months ago to RedditMigration in Never Forget

How the fuck is he a CEO. So fucking stupid.

mysoulishome , 1 year ago to RedditMigration in Hi kbinners! Fuck spez

Especially you

mysoulishome , 1 year ago to RedditMigration in Hi kbinners! Fuck spez

We all here

mysoulishome , 1 year ago to RedditMigration in now that i don't have a reddit account, i guess i can tell you guys about secret communities

Eternity club was all boring selfies and what’s you’re favorite movie and shit.