Recent comments in /f/LifeProTips

reenmini t1_je523ni wrote

Reply to comment by AzoriumLupum in LPT: A lot of people don’t know this but if you have a Costco membership, they offer car insurance that has unbeatable prices. by ninaunst

>Edit: Even the gas is only pennies cheaper than everywhere around it and just not worth sitting in those long lines. Maybe- MAYBE- if you catch it when there is only one or two cars in front of you, but otherwise, nope.

This is deranged slander.

Costco gas is a solid 50 cents cheaper or more everywhere else in many of the places I have been.

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keepthetips t1_je51f8p wrote

Reply to LPT: if your job hunting, leverage chat GPT to generate custom cover letters to each job you apply for. by Sweetpants88

Hello and welcome to r/LifeProTips!

Please help us decide if this post is a good fit for the subreddit by up or downvoting this comment.

If you think that this is great advice to improve your life, please upvote. If you think this doesn't help you in any way, please downvote. If you don't care, leave it for the others to decide.

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Bryan_Mills2020 t1_je51avg wrote

Reply to comment by Excellent_Kiwi7789 in LPT Request: How to stop over eating and have more control over my diet? by Vq-Blink

Yes, you want to get ACV that is organic and contains "the mother" which it should state clearly on the label. Start with 1 Tbsp per day and dilute it with about 8 oz of water, Powerade, or fruit juice. Do not drink it straight as it may burn your throat. It has a very strong taste and odor, but you should get used to it. After drinking it, be sure to rinse your mouth several times as it will remove the enamel from your teeth. ACV has a bunch of health benefits like lowering your blood sugar level, removing calcium buildup in your soft tissues, and suppressing your appetite. Some people find that it stimulates digestion and they end going to the bathroom more often. You can increase your consumption to 2 Tbsp per day, but really shouldn't do more than that. Do a search on YouTube for ACV as there is a ton of info there.

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Law_Doge t1_je50n0n wrote

Reply to comment by Necessary_Intern_164 in LPT: A lot of people don’t know this but if you have a Costco membership, they offer car insurance that has unbeatable prices. by ninaunst

No apologies necessary. Auto insurance is confusing by design IMO. Personally I have Snake Farm which is one of the worst companies, but their rates are comparatively cheap.

UM/UIM are additional pieces of coverage.

Say you’re hit involved in a hit and run. That’s uninsured motorist coverage (UM). You can make a claim against your own insurance company.

If somebody hits you who has minimal coverage, that’s under insured motorist coverage (UIM). After their insurance company pays out the other drivers maximum policy benefits, you can seek the remainder from your own insurance company.

Tort options are essentially the overall ability for you to make a claim.

Limited tort/verbal threshold won’t allow you to make a claim for your injuries unless you meet one of a few exceptions like commercial vehicles, death, disfigurement, loss of a fetus, compound fractures, etc. (out of state driver scenarios get complicated)

Full tort/no verbal threshold allows you to make a claim regardless and have to jump through the insurance companies set of hoops in that regard

You can find all your coverage options on your auto declarations page of insurance policy. The terms and specific rules/regulations vary from state to state which is where the tort/verbal threshold/limitation on lawsuit dichotomy comes from. Consult a local attorney for legal advice if you want to change anything. They’re more than happy to talk coverage options if they’re anything like me (we’re all mostly the same/insane)

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Downvote_me_dumbass t1_je50kqx wrote

Reply to LPT: tips for first time car buyer to avoid being taken advantage of? by Littlemonster93

Go in with a plan.

You should already have financing through a credit union or small bank. You need to do the research the lowesr interest rates in your area and payment repayment plan BEFORE you go to the dealership.

Once you get that done, and are issued a check by the credit union, you should plan on using up to 80% of the amount for the purchase of the vehicle.

This process is the most important as it lets you plan a budget and allow for anything extra that occurs during your shopping experience or the shanagans in the Finance Dept.

Look for the vehicle you want, but make sure you look at Consumer Reports before you buy. Yes you want a new car, but you should be buying this car with the ideology, “what can I get for this new car when I sell it down the road.” That means, the car should be rated high on Consumer Reports overall score. The last thing you want is a nice looking car where you have to spend your time working on it or having it in the shop.

  • When you’re ready at the dealership, don’t play their games of “what kind of payments are you looking at?” You’re already preapproved, so you’ve beating them at this game (they’ll make your payment plans if you’re there without preapproval, but it will be for long term at a higher interest rate, resulting in you paying more over the course of the loan).

  • Ask benign questions, if you’re interested in the car to establish a relationship and get a feel for the dealerships knowledge of the car. For example, ask “how many miles between oil changes.” Do a little research, and you should know this answer before you ask. Another good one is “does this come with a spare tire,” and check the trunk for one. Anyone telling you that they don’t put a spare in the trunk and put a tire pump in the back to “save MPGs” is straight up lying. There are manufacturers that do this to save production costs, but it isn’t even negligible on the MPGs for a spare to be in the back.

Check out the functions of the car, make sure the seats are comfortable and that the visibility when you move your body, such as in reverse or during lane changes is sufficent.

If you’re buying from a major dealer, your goal is to make sure the sticker price doesn’t have mark up. The manufacturers price should be the MAX (less taxes + doc) on what you pay.

  • Check your states DMV website to see if they have tax and fee webpage. This is why I previously mentioned the 80% too. As a general rule, roughly 10% of the cost of the car goes to DMV/State.

  • When you do get going with the Finance Guy at the dealership, you really need to stay firm and say “no” to any additional options. Window tint, accident options, and other services are cheaper if you hunt outside the dealership or go through your insurance. The only thing that might be cheaper is additional parts, like floormats and cerain OEM add-ons at the time of purchase as those will be covered under the cars warrenty.

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lordlossxp t1_je50aab wrote

Reply to comment by Alternative-Iron-202 in LPT: If a single friend of yours has said they don’t want children, don’t start asking them if they’ve changed their mind if/when they find a partner. by dubdoll

Yep. I get that from a lot of old people. "You dont want to get married and have kids? Oh youll change your mind." No the fuck i wont sharon. Im not paying 8k after insurance to have my body torn apart or cut open and then never get a moments peace for a large portion of my life.

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Outrageous-Floor-100 t1_je4zmu2 wrote

Reply to LPT Request How can I learn to drive? by Damas_gratis

I didn’t have anyone that would take time to teach me to drive but I had access to a vehicle (weird situation I know). Where I live it’s not legal to drive alone with your beginners but having someone teach me was not really an option.

There’s a park two blocks away from me that I would go to for sports or exercise, one day I just started taking the car with permission and got used to driving. It would be two stop signs and two turns each way. Eventually I would start taking the car for other small trips and eventually built the skill and confidence.

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