Favorite team:LSU 
Location:
Biography:
Interests:
Occupation:
Number of Posts:3034
Registered on:11/29/2009
Online Status:Not Online

Recent Posts

Message
quote:

As a business owner, this has become my single largest overhead expense. More than worker's comp and general liability. And I pay 80% of my employee's premium and some STILL can't afford it.


How many people do you insure, and what’s your structure?

Costs are out of control for sure, but if you’re fully insured by someone like BCBS you may be able to save a lot by self-funding (at least then you’re not paying the insurance company’s profits, having coverage you don’t need, etc). With costs the way they are, even smaller companies can pull this off now.
If you want your son to answer in an honest way that actually follows the assignment ("defend your position") I'd say...

The question of "too much" implies that there is not enough to go around, that one person having more means someone else must have less. But in a truly capitalistic society, that's not the case. The economy, the stock market, the number of businesses – can grow larger.

That simplified foundation doesn't really address questions that could arise related to someone using their "power" dishonestly or something, but that wasn't the prompt.
quote:

I had to help my church with dealing with the FEMA red tape to get reimbursement on roof replacement from Hurricane Ida. The amount of hoops to jump through and the amount of time spent to manage that process was ridiculous. It took almost 2 years to get the reimbursement to go through.


Your church already has a roof?

Mine still has condemned buildings awaiting funding to raze. My kids' school still has tarps on the roof. I'm on a committee dealing with the process for the school, and it's not like they've been sitting around doing nothing since it happened. They're out tens of thousands on mitigation trying to keep it from becoming a total loss while they wait.

From Laura. In 2020.

re: Willamette Valley

Posted by Queen on 5/21/25 at 10:19 pm to
It’s been a while since I went, but we did a wine tour with a guy who was amazing. He had just started up when we went, and now it looks like he has additional tour guides and all.

Backcountry Wine Tours

Will pick you up, drive you around and bring you back to where you’re staying. This could have changed but I doubt it - when we went he only toured small wineries (7500 bottles or less per year). He was super knowledgeable and it was a great experience.

We happened to share a tour with someone who knew a lot about wine. I knew relatively little. And we both had a good time!
quote:

Sudden loss of his 13 year old child. Hence feeling like nothing can possibly convey how sorry I am for his loss.



Grief Groceries

You're right that there probably isn't anything perfect. But this is more practical than another casserole or a plant. With the loss of a child, it may be weeks before they feel up to going anywhere public. They may also not even have it in them to plan their own household's needs. Send something like this, maybe you save them a wave of guilt if they no longer have toothpaste or toilet paper in the house because they haven't thought about it in weeks.

re: Carpenter Bees

Posted by Queen on 4/6/25 at 9:46 pm to
Years ago I read that Pledge lemon spray would keep spiders from building webs in the kids’ playhouses and stuff. I used it periodically and it worked.

In recent years carpenter bees came after our wooden swing set. Like we have a couple big holes in the side now thanks to them. So I tried the lemon Pledge. And it seems to help.

When I notice one flying around I’ll spray the metal connectors, slide, etc. I will spray the wood some. Since I started that I see one or two buzzing around occasionally, but they’ve stopped tearing holes in it at least and don’t stick around long!
quote:

Why is a TDAP required for each pregnancy when the efficacy is 10 years?


To protect the baby, not the mother. Pertussis can kill an infant. It’s why they tell you to make sure the grandparents and all who will be around the baby in the earliest days are up to date on theirs too.
Your problem is probably two things: quantity and number of colors.
- Quantity pricing applies to pretty much everything printed – shirts, branded business swag, Christmas cards.
- Number of colors is a screen printing issue. If you use three colors, your price is higher than if you use one or two.

Barring you finding some kind of clearance sale or something, screen printing is probably not going to be available as cheaply as you want it.

You CAN get shirts, though...if you lower your expectations and DIY. You can get pre-made vinyl iron-ons from Amazon and press them on yourself. Blank t-shirts are cheap. It won't look as nice, and it may not last as long. But your price will be low.
quote:

I’m told from a colleague that they are still being underpaid and trying to get some relief. The PBMs need to be fined big time, on a per claim basis, to prevent this from happening.


Arkansas is doing that now.

LINK

TBD how it plays out, of course, but if they commit the resources it should hopefully start to change the abhorrent practice of spread pricing. At least in Arkansas.

Some here may have followed the attempt at federal PBM regulation late last year, which went nowhere because it was tied to the failed budget bill for reasons. ??
Did you sell before Arkansas passed the PBM rule requiring they pay all pharmacies acquisition cost + fair and reasonable profit?

LINK

It was temporary but recently made permanent. And the big PBMs are facing something like $1.5M in fines for underpaying.

I’m curious to see how it plays out in terms of better conditions and ultimately fewer independent closures.

re: Christmas tree donation (artificial)

Posted by Queen on 11/27/24 at 10:05 pm to
Junior League might want it. The one in my area will take prelits that don’t light up anymore, etc. They repurpose for holiday market decor.
quote:

we’d have to change out his litter daily because he goes so often


Sign of kidney problems. Mine had the same issue, in fact she started missing the box and went all over the floor. Vet said she could no longer concentrate her urine.

As others said, eventually they stop eating. I gave mine tuna fish and wet cat food toward the end. She ate it happily at first and perked up for a little while. But it only helped for a few weeks before she stopped eating that too.

I made the call when I realized she was suffering. Found her laying next to a pile of vomit because she didn’t have the strength to walk away after she did it. When just living is that difficult, the humane thing is the right thing. But not the easiest.
quote:

She likes to sit on the porch and drink with friends.


Wine Club so she gets a couple new bottles every month for however long you buy it for.

re: Appliances - Throw Away

Posted by Queen on 4/9/24 at 7:20 pm to
quote:

I'm convinced either the house was built on an old graveyard and is haunted or there is an electrical gremlin, some kind of power fluctuation that is damaging the circuit boards. As an added note, I replaced light bulbs in the house weekly. Those GE light bulbs that say they are good for 13 years is absolute crap. I pop those bulbs if 3-4 months.


Have not read the whole thread so someone may have said this, but it is possible your house is having “voltage spikes.” Some appliances don’t handle fluctuations well, as explained by a repair guy to a friend having similar issues. There is some kind of monitoring device you can install that might prove it, might not. But a whole home surge protector was the recommendation that guy made to protect all your stuff if that’s what is going on.
Vaccines the mother gets while pregnant can help protect the baby until he/she can get them after birth, it's not just for you. As others have said, tdap is really important. Pertussis is very dangerous for an infant.

My OB recommended, and I took, tdap and flu vaccines during all four of my pregnancies. My husband only got a tdap before our first child because his was up to date over the next several years our others were born. Grandparents also updated their tdaps before the first was born.

I had my babies before the RSV vaccine was around. I would gladly have taken it if it was available to me.
quote:

Someone stole my identity several years ago and the first clue was we got several items mailed to our address that we didn't order.


My identity got stolen and a similar thing happened. They opened credit cards in my name and the first clue was I got a random item shipped to me. I called the company because I hadn’t ordered it and they told me about my new store credit card that was charged to within a few dollars of its max.

It was a huge pain to fix, too. The company denied my fraud claim a few times because the one thing I received at my real address made me look complicit.

Definitely check on your address/credit report.
Just had to put down my 16-year-old cat.

quote:

random vocalization at night lately


Mine started this. Best guess was night vision was failing or that she had started to fall into dementia. Dementia would make sense because the cat also started to let the kids hold her a lot and never used to do that.

quote:

- doesn't eat much only treats or wet food and then just a little
- vomiting today and tried to go outside littler box never done that


Kidney failure ultimately got mine. As mentioned we tried the special food and even did things like shots to help with joint pain (a symptom of the kidneys). When they're miserable, it's time. Don't let them suffer so you don't have to make a hard decision.

re: Attic Fan Vent - anyone cover it up?

Posted by Queen on 8/12/23 at 12:05 pm to
You’ve gotten a lot of good answers. We had one of these prior to renovating the house. (House was old, not a shred of insulation anywhere in it, so in our case the attic fan was not the biggest problem for our energy bills.)

We took it out and turned the hole into a pull-down ladder. Previously our attic “entrance” was in the garage and had no ladder. We didn’t DIY, but it was a simple thing for the contractor do do. Had we not been gutting everything else with him already we certainly could have DIY-ed it.

Might be another option if you would like an attic entrance in that spot!

re: Slot load blu ray player for kids

Posted by Queen on 6/11/23 at 8:22 pm to
This seems a lot more tech-intense than I am capable of! I don’t have a dedicated laptop to commit to the cause. Am I reading too much into this?

I don’t have the tv yet, leaning toward a Roku setup for them.

Slot load blu ray player for kids

Posted by Queen on 6/11/23 at 2:33 pm
Moving to a new house and the kids will have a playroom upstairs. I am OK with them having a tv with apps I have set up for them, but we also have a good number of physical DVDs and blu rays.

The TV will be mounted to the wall, and there is no space for a table underneath due to a closet door being right there.

I’d like to have a Blu ray player for them to use. I have found a couple of TVs with built-in DVD players and an external slot-load DVD player that I could mount vertically. But no blu ray. No one in the house is a gamer, so PlayStation is pointlessly expensive!

Am I out of luck?