u/DivineToxicity09

I’m quoting a storage facility business policy for a current client of ours. His policy is with Penn National. I’m with State Farm.

The storage facility property itself (the land and structures) are owned by one of his LLC’s. I even checked county records. The storage facility business operations itself are through a different LLC. For that reason - per SF guidelines - I have to do the building coverage as a lessor risk under the property owning LLC, and then a BOP for storage facility operations as a tenant for the other LLC.

His current Penn National policy is only in the name of the LLC that owns the business, not the property/buildings. As it is their building coverage is almost $1mil lower than ours, and these are massive metal buildings. I combed through the building plans and everything to make sure my ERCs were correct because they are only a few years old. They have an umbrella set up as well but again only in the business LLC, no where is the property LLC mentioned.

Also - maybe someone else can explain this - but when he asked for his renewal documents that he never received for the policy renewing on 5/19, they immediately somehow “requested credits” that lowered the premium by almost $600 a year. How exactly would they do that?

I’m looking for insight because it seems like not having the LLCs correctly listed creates some holes in the coverage aside from the fact that the buildings appear to be grossly underinsured. He sent me the Dec pages so I could compare them to our proposals.

I was helping a friend shop for a new car, and her husband had such an aversion to CVTs in most cars. He seems to think they fail by 100k miles in most cases.

How many miles is on yours and have you had any issues?

I’ve got a 2021 EX hatch with 61k on it, zero problems. I change my trans fluid every 30k-35k miles so I’m about to get the second one done on it. I’ve owned a 2018 EX-T sedan before this hatch until it hit about 48k miles and also had no problems out of it.

Just curious to see how others have done at higher mileage since he made such a stink about CVTs.

My boyfriend (31M) has sleep apnea that isn’t being managed very well. He doesn’t wear the mask long enough, probably needs a better mask, etc. he’s going to get a referral from his new PCP for a sleep doctor because his previous one was not good at all.

He is a heavy marijuana smoker, always has been. We have been together for 1.5 years so I’m not sure how long he unknowingly had sleep apnea, but I told him to get a sleep study a few months into dating because he was falling asleep even just sitting in the car. Part of me wonders if it is weight related because he gained about 40-50lbs from the time we met up to this point. Anyway, he also twitches A LOT in his sleep. It wakes him up and he doesn’t even know he’s doing it.

I can’t help but to wonder if his heavy smoking is only making his sleep apnea worse. He had a medical card in FL before moving here (I met him a few months after he moved here) so he had a lot of access. He still smokes a lot especially at night before bed.

Just looking for insight from others that have been smokers and if it helped or made it worse, if changing that habit made it better or worse, etc.

TL;DR boyfriend smokes weed all the time despite expressing my concerns and only having asked him to cut back, not quit entirely.

We have been together for 1.5 years. Both of us smoke. I don’t have issues with smoking, however for me it is leisurely. I can take it or leave it. I don’t really drink anymore (just not my thing). I can make a quarter last 6 months. Since being with him I do probably smoke more often but literally only at home and at night. I cannot smoke all day long and go about my day whatsoever. So for me it is truly recreational. A decade ago I smoked due to my untreated bipolar until I got insurance, but it was nothing more than a crutch at that time. No amount of smoking could replace actual medication.

My boyfriend has always been a big smoker. Part of the issue is he’s from FL and he had a medical card. He said it was prescribed for anxiety and that basically anyone can get one for anxiety. He moved here only a few months before we met. We live in NC, so THC-A is legal but that’s it. Even that may be coming to an end depending on what they do with a bill they have been working on that would basically eliminate all of those products, including infused drinks - but I digress.

I don’t have issues with him smoking at home, so I’m not asking him to cut it out entirely. I don’t think it would be fair for me to expect him to cut it out if I’m not myself. What bothers me is it seems like he needs to smoke all the time. He is a survey tech so he’s always working outside in the woods, construction sites, etc. One time I found out him and his chief would smoke in the truck because I found his bowl and weed in his lunch bag when he had me go in it for something. I told him I don’t like him smoking before or during work. He claimed to have stopped doing that. However this morning after he kissed me goodbye, I had to pee. So I got up thinking he already left, but he was in the kitchen loading up his bowl. He didn’t even know what to say. This has happened a few times and he will be like “I won’t hit it” which only annoys me more, because clearly you’re only not doing it right now because I saw you doing it.

Even on days off he will feel the need to smoke first thing in the morning and throughout the day. I have no idea how he functions. To him it feels like no big deal because so many people smoke in FL, and he actually worked in a dispensary down there. His survey job is the first job he’s had for the career he wants. I’m in my own career field and I’d never smoke during the day. I don’t feel it is appropriate or perhaps mature to be high while working if nothing else. But it also feels lame that he feels like he needs to smoke all the time.

You could easily say that it helps him, but I don’t think it does. He still sees a psychiatrist and is on Wellbutrin. That psych is awful and tried to lower his Wellbutrin dose, and he was one miserable SOB after that no matter how much he smoked. I’m also on that med and have had that same mood shift when I was off it. She put him back on his old dose and he’s been better. He also has sleep apnea that is not well controlled right now, and I’ve read smoking can make it worse as it can affect your sleep as a whole. He twitches in his sleep like crazy. I’ve yet to have seen anything that smoking actually improved. It might relax him after a long stressful day, but that’s it. He never has a real answer as to why he feels the need to smoke like this.

This conversation is getting old with him because I’ve said it many times, and it’s clear he’s just taking a “what she doesn’t know can’t hurt her” approach since he gets up earlier than me, etc. I’ve never been with someone that smoked, I was always the smoker in my last relationship. He hated the smell so I rarely did it. I’m not sure how else to approach this but I’d love to hear your experiences with this whether you’re the partner that was in my position, or the partner in his position.