u/Several-Two738

Just getting my feet wet in the IT sector and got my first client. We are already stretched thin with many other business insurance requirements and regulations costing us around $900 a month just to keep our name and stand on 2 feet. We had to get a $1 million dollar auto policy per the client requirement even though none of our work involves cars or going on site at all but this is still needed on their, this policy costs us an additional $580 a month plus the $900 just to get into the casino, not even at the slot machines yet but already in the hole.

The biggest hurdle we have now is a $5 million dollar cyber policy. It seems with these kinds of policies they exponentially get expensive as you go up. A $1 million cyber policy is $120 a month, $2million is $290 and $5million is on average $1500 a month.

So basically, for us to even communicate with this client, it costs us at least $3000 a month in insurance and licenses, the rent for our building is half of that.

Is there anyone who knows where I can get a cyber policy for cheap? I have tried a few places but the average is $1500 a month with many asking for the whole year $18,000 up front or 50% and no refunds with policy cancellation.

I ask it questions and it gives me 10 different sections in a wall of text. I have to ask it questions for each section but if I drill too deep in one section it loses the original discussion and goes off a tangent.

Is there a way I can ask it a question and have it segment the sections so I can ask questions about the sections? Kind of like Kanban or a board Planner?

I use chatgpt for business stuff and have a monthly pro membership $20. I have a M365 domain with a few accounts with a E5 license that I pay for monthly.

The issue I have with chatgpt is that it tends to give me a wall of text that has useful informatoin but I cant seem to split the data and ask niche questions. I need something that can give me a wall a text that I can split into chunks and ask questions and takes notes on.

Does Copilot do this? or is there a better ai maybe claude?

I was a light and I thought I was on a flat surface took my foot off the brake was on my phone and then bam slight tap on the BMW in front of me, the guy comes out screaming saying I totaled his car, I backup and there was nothing literally love tap and he said to leave some room next time.

But what happens if you roll back and rear hit a car? Is it your fault? How can you prove it?

I downloaded one from a site a long time ago and tried to use it but the graphs never lined up and for some reason didnt show me what I needed to see. I need to see:

How much I am bringing in every month

How much I spend(I can put all my expenses in)

a graph to see how my growth is going or how much I am losing

Literally that simple, any suggestions?

Made $100 after my hard work then had to pay taxes on it, bought a pair of shoes from Addidas for $100 thinking its high quality, they turned out to be overprice shit quality shoes. Takes them 60 days to look at the seams falling apart and the rubber soles crumbling to realize they made something wrong. Then they decided to give me a $100 e-gift card because they already spent my $100 credit card charge. They give me the e-gift card, I cant use it for most of the items on Addidas website, in most of the cases, I have to pay more than the $100 I already spent, too cheap shoes? cant use, too expensive shoes? Cant apply it. Have to buy a bullshit shirt, sandals and other random items to get to $100, basically all the shit they cant sell I have to buy with my "e-gift" card. I still need shoes so I have to spend another $100 for maybe another pair of shit shoes.

Going in store may help a little but never buy shit online because of this. In person maybe they will process the return there but online hell no.

In the market for a used car to replace my almost 20 year old Honda accord but I think I may just keep it. I paid $3000 in 2012 for an 09 accord with 100k miles, now its at 300k miles and apparently its worth around $4000.

This could be because of many reasons but car prices are totally fucked right now. But it seems to mainly be used cars? I have seen 10th gen accord with 100k miles for basically the same price if not more as a new Accord. The caveat here is that luxury cars seem to not be impacted. Do you agree? What cars do you think are overpriced the most?

I have a pretty unique first and last name, if you didnt know me you would have no idea which name would be my first name or last name. As a result, everyone on Teams when they message me first, calls me by my last name and I hate correcting them. Why is this like this?

I made a post about getting permits for work that was done years ago, I want to sell the house and dont want issues at closing ex. "can you lower the price since permits are missing?" . Everyone is saying just find a buyer that wont ask, is that even legal? Are people really buying houses with work that was done without permits?

Bought a house during covid, hired a contractor to do some remodeling. They told me they were going to handle the permit stuff and even charged me for it. Turns out they did not years after.

Currently, I am saving up money so I can start the permit process. Part me fears it because I am worried I will have to do it all over again but part of me sees it as not that big of an issue and maybe will cost a couple hundreds and maybe a few thousands to fix.

My contractor didnt totally turn the house upside down, he used the original layouts for plumbing to install a shower in the basement very close to the "main stack". He hired an electrician that I still keep in contact with, he is also licensed and bonded and said he can help me with the electrical permits.

Plumbing shouldnt be too much of an issue as the plumber kept the same setup and just changed the piping.

I have a feeling it wont be too bad, for reference, the contractor also built a fence without a permit and I got a permit for that years later. I was expecting thousands and thousands of dollars worth of permits, rebuild and redo but it was only a $150 permit fee.

What should I expect when getting permits retroactively? I found a guy on Craigslist that does blueprints, designs and helps with permits and he said he can help me as he has helped a lot of people in my situation. Should I reach out to him or will he just be like "credit score repair" guy who just tells you to stop spending money? In a sense he will just go to the city and just be a voice middleman and charge me money.

Reason why, I am looking to sell the house and need the permits.

Edit: I am asking a question, piss off with the downvotes

edit2: clearly there arent any adults here to have a civil discussion without having to downvote someone for asking a simple question, good to know these people are the reason why the world sucks

Bought a house during covid, hired a contractor to do some remodeling. They told me they were going to handle the permit stuff and even charged me for it. Turns out they did not years after.

Currently, I am saving up money so I can start the permit process. Part me fears it because I am worried I will have to do it all over again but part of me sees it as not that big of an issue and maybe will cost a couple hundreds and maybe a few thousands to fix.

My contractor didnt totally turn the house upside down, he used the original layouts for plumbing to install a shower in the basement very close to the "main stack". He hired an electrician that I still keep in contact with, he is also licensed and bonded and said he can help me with the electrical permits.

Plumbing shouldnt be too much of an issue as the plumber kept the same setup and just changed the piping.

I have a feeling it wont be too bad, for reference, the contractor also built a fence without a permit and I got a permit for that years later. I was expecting thousands and thousands of dollars worth of permits, rebuild and redo but it was only a $150 permit fee.

What should I expect when getting permits retroactively? I found a guy on Craigslist that does blueprints, designs and helps with permits and he said he can help me as he has helped a lot of people in my situation. Should I reach out to him or will he just be like "credit score repair" guy who just tells you to stop spending money? In a sense he will just go to the city and just be a voice middleman and charge me money.

Edit: reason why, I am looking to sell the house and need the permits.

I have a 2009 Honda accord, I bought it 14 years ago with 100k miles and many owners. It was burning oil. I didnt care since the car was used and 100k miles. Then I found out there was a warranty extension for 120k miles to fix this issue. I took to Honda and after 3 tests to confirm it was burning oil they would fix it for free. I took it to 3 dealers and they all bullshitted me on the 3rd test saying "its low but its not exactly at the line for warranty", I knew Honda was trying to screw me and not pay up so I did what any regular person did and did a 4th dealer which every single time after each test I made sure to pump out the exact amount for the warranty, the 4th dealer said they had never seen a car lose so much oil so fast and they approved the warranty. 1 week after I dropped the car off I get my car and I am standing at the desk next to a lady who had the same exact issue as me. We got our bills and mine said $0.00 while hers said $5000, for the exact same work. I walked outside with this lady and asked her why she didnt do the warranty and she said they kept saying it was "right above the line of warranty" so they wouldn't cover it. I stood there thinking holy shit Honda is literally the devil. Mind you I bought this car then with those miles for $5000 so I got a warranty covered for the price of the car.

Fast forward to today, everyone wants a 10th gen and so do I, prices are sky high and its to the point where a brand new 2026 is cheaper than a used 10th gen. The craziest part about this is that every single 10th gen and I am sure most of the 11th gens are having head gasket issues. The whole "2.0 is more reliable than the 1.5" I think is bs, if theres 100 10th gen Hondas on a lot and 30 of them are 2.0 and 70 are 1.5. Just because 45 of the 1.5's blow head gaskets and 15 of the 2.0's do doesnt mean the 2.0 is more reliable, on paper its a 50% failure rate for both for this scenario but the 2.0 is less common because there are less 2.0's on the road.

But heres the real question, why are we fighting about if the 1.5, 2.0 or the new 11th gen accords are blowing more than the other when we should be asking.....WHY THE FUCK ARE HONDA'S BLOWING ENGINES AND WHY ARE BRAND NEW HONDA'S BLOWING ENGINES?!?!?!!?!?!?!?!?!?!?!!??!!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?

Honda has had a reputation of being a reliable car company for a very long time and in literally 6 years they are as unreliable as Nissan yet people are still paying top dollar for these Honda's. Are people not realizing this? Are they actually paying full price for a used 10th gen only to get bent over a barrel by Honda? Why arent people making videos about this? Why arent people putting Honda's name in the mud for this? Its like people are pulling their pants down, leaning over a barrel and counting $26,000 cash for a 2021 Honda accord with 136k miles and 3 owners, hoping Honda will have the decency to at least spit on it before going in(they go in dry).

What exactly is going on? Is there a bad press Honda black out or something? Are people tricked in thinking this is normal? Are people being paid by Honda to shut up? Why arent we as customers and payers of Honda's bill fighting back with our wallets????

Like a totally random one, it has the receipt on it but you have no idea who left it

I use it for meeting notes and answer questions during meetings. When I am asked questions its okay but the main issues:

1. Responses are very long, its almost impossible to read off the responses without looking like you are reading. Potential fix: have paragraphs appear at different parts of the screen so your eyes move around and dont look like you are reading word for word.

2. Responses are very robotic, imagine you are an outdoors person who goes on hikes every weekend and have a upbeat and outgoing personality, that will clash with the apps robotic like responses that it will have you read. Make the responses more casual or informal.

3. Audio/Sound, sometimes while using the app the sound sometimes changes and causes sound issues, also the headset or audio change does suck, hard to take meetings or interviews in private as it listens to your laptop speaker audio instead of headset.

Its not as good as I think it would be, I am not sure if people are passing interviews with these issues. I would not use it for an interview setting

https://preview.redd.it/kasfetvp4edh1.png?width=480&format=png&auto=webp&s=37e2f158ce6266246ea697fd4345f3ba08504ee5

I have this since Covid started, 16GB RAM, 1 TB SSD, I7, Nivida 2080ti. The computer seems to run fine but sometimes slows down randomly. I used to use it for gaming but the slowing down makes the games not playable so I bought a Ps5 instead.

I just want it to run faster as I manage my Outlook, Teams, and 25 tabs on Chrome. The computer at idle with these things running is at 85% RAM, CPU and SSD seem to okay its just the RAM that runs high.

How much would upgrades set me back? I am not looking for top of the line specs just maybe a little more RAM and hard drive space

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