Yes I still Smoke Cigarettes and I am addicted to the smoking habit - support and chat thread.

[Equality 7-2521]

being down to just one or two cigs is bloody miraculous you should be pounding yourself on the back for an amazing job, and realize what a breath taking accomplishment that is.

Rondaum! Being down to just one or two cigs a day is very good!

 

[Karen N Daytona]

good morning everybody! I hope you all have a great day today!

I'm off to help a friend, a big day out for me! see ya all later!

 

[Karen N Daytona]

Rondaum, Welcome, you are doing great! Happy to have you here! I hope you come back again and again!
I too am still smoking but I am down from 3-4 PAD to under 10 now, just giving it time to work out. hope to get to chat more! see ya!

 

[Jman8]

Okay, so I just had the 'experience.' The one where I was anticipating having a smoke after a meal. I was with friend from high school, and we were eating lunch in his car, and I was thinking that afterward I would light up. But then things got a bit rushed after we finished, and as I was walking to the school, I had forgotten to light up, but could feel myself craving it. Got into school and felt lost, but confident as well. Like, I'm just here to look around and then going to step out for that smoke. Man, I'm craving a smoke, I thought. Started wondering if I'll ever graduate from high school as I never attend classes much anymore, and in this moment, smoking matters more to me than hanging around this place.

And then I woke up. Been a long while since I had that kind of dream. Could recall in first few moments of waking that I was really craving a smoke still. Bizarre how the mind will play that trick on you. But in my case, I'm thinking it's cause last night I was thinking along lines of, "I may have accidentally quit smoking here recently." Which you here all know, is not where I say I'm coming from. Me, the proud moderate smoker. Yet, me (lately) as the guy who doesn't smoke when given the chance, and doesn't seem to care to smoke ever again. Might have to have one today just to remember who I am, or who I say I am, or was. Okay, I realize this all reads like an inner struggle, but I truly do not see it as big deal if I have one, or don't. And do think it was made a big deal in my dream state cause I set myself up to feel like I was being deprived of it, and that the craving was way for me to feel 'comforted' in that deprivation. That's how I see it working, in the mind/ego.

In reality of this morning, I'm way more concerned over sudden snowball of states in the US presenting bills to ban online sales of eCigs. That and usage bans popping up are suddenly having all that stuff we worried about for last couple years come to the forefront of what we on vaping forums may care to talk about. But I kinda feel sorry for opposition as they are about to get a fight from so many people, they won't realize what hit them.

 

[Uncle]

Shari you need to call a public adjuster - or just threaten your insurance company with one

He figured in a couple of long walls and some painting. I specifically went on about my fear of mold. He said that contractor will address it. And if cost is more than what he allowed for, we can submit additional invoices and if not too much over they will cover. I think I want to do the arguing up front and get what I can in the first check. Not likely they will want to give a second. Like how auto claims are settled, if you do not get it right off they make you sign a release.

Our friend that is a contractor is sending us major signals that he does not want the job. Either he is worried about mixing business and friendship, or he knows we are going to be PITA that it is done right, or he thinks he will not make enough. Says only hardwood he has equipment for is the prefinished. That is bs because he has built a couple of houses and would not spend the extra for prefinished. I do know he hates doing sheetrock and there is tons of that on 9ft ceilings for this job. So I will start contractor shopping. I hate that part. They all lie and claim you are getting a Ferrari and try to give you a Yugo. Constant babysitting on our part will be necessary. We thought we did that 8 years ago when they did the upstairs and things still got by us.

The ins adjuster did say that the pipe that burst was not done properly, or the best way when installed. We had permits and the city inspected and passed so there is no problem that we are covered. We are not plumbers so how are we supposed to know all this stuff.

Yeah, Jazz, I am thinking the color matching with that hardwood too and refinish. And extend it through to living room instead of that ridiculous idea regarding carpet in there. Have to read the report. At least he is going to provide line items of what is covered and how much allowed for replacement. Have to figure out how to argue for enough to do work proper. Unless an insurance company will really give what it will cost to replace. Ha Ha. I seriously doubt it.

Ok - Can't read through all the post right now . . . SO "Shari" just as an FYI:

DO NOT Except this Adjusters Opinion . . ."Lox" is right - if need be . . . "My" mother had a huge fire in her home and had "Replacement" Value in her policy . . . The Insurance Adjuster tried to pull the same stunt with her at the time . . . They want her to cut and repalce only areas of flooring that were burnt and as for the rug which went from One end of home to the other they want to cut areas and replace with pieces of carpeting (They said it din't matter if it matched - WHAT? ? ? ) . . . "We" got 3 Quotes from different sources to replace/repair "stuff" - submitted them for approval and they again tried to not pay the replacemnt value (Floor/Carpeting/Cabinets/Furnature/etc.) . . . Very long story short - "We" refused to except their opinion - then threaten to get a "Private" Indepdant Adjuster, have the home inspected by the local health/building code inforcement departments (AND - Given "Your" situation - might be good idea to do anyway to prove what damage is there and NEEDS to be taken care of) and take them to court . . . They finally relented and agreed to pay the full price for eveything to be replaced properly . . . It took a little extra time and agravation (especially on "Me") but well worth it in the long run after everything was fixed . . . Just Sayin' . . . GOOD LUCK ! ! !

OK - Got to get to the airport to get to "Lox' & "Jazz" land . . .

 

[beebopnjazz]

My house was burglarized a few years ago - I have full replacement - my insurance company did the legwork - finding current prices of as close to the stolen items as possible. (All tech stuff) laptops, digital cameras, cell phones, etc. while I paid more for the items than I was reimbursed for - I was reimbursed replacement value. Had I not been able to find a replacement at that price i could submit the receipts for additional reimbursement.

They listed 2 prices - 1 the current value if not replaced and the other current replacement cost. They even told me where they found those prices.

I decided not to resubmit for the small price differences as they had overpaid on my door - which was brand new (2 months) - only framework needed to be repaired - the door itself was fine.

Not saying I made out - I didn't - but that's the nature of electronics. They even reimbursed me for the $160 in cash that was taken. Guess they figured I was being honest - was an odd amount.

 

[Equality 7-2521]

Yeah the movement to squash vaping is transperantly well organized and well funded. It is not a coincident that the pressure is cordinated and targeted. This is not a grassroots movement by the people of the nation over a health conceren, but rather an authoritarian boot heel on the neck of citizens by a goverment who no longer recognize the human beings right to liberty. whether it's driving motives are the securing of big tobacco's and big pharma's profit line, or simply the state and it's beuracrats insane lust to wield power over every aspect of human life,in the end it's tyranny, and brutality.

Okay, so I just had the 'experience.' The one where I was anticipating having a smoke after a meal. I was with friend from high school, and we were eating lunch in his car, and I was thinking that afterward I would light up. But then things got a bit rushed after we finished, and as I was walking to the school, I had forgotten to light up, but could feel myself craving it. Got into school and felt lost, but confident as well. Like, I'm just here to look around and then going to step out for that smoke. Man, I'm craving a smoke, I thought. Started wondering if I'll ever graduate from high school as I never attend classes much anymore, and in this moment, smoking matters more to me than hanging around this place.

And then I woke up. Been a long while since I had that kind of dream. Could recall in first few moments of waking that I was really craving a smoke still. Bizarre how the mind will play that trick on you. But in my case, I'm thinking it's cause last night I was thinking along lines of, "I may have accidentally quit smoking here recently." Which you here all know, is not where I say I'm coming from. Me, the proud moderate smoker. Yet, me (lately) as the guy who doesn't smoke when given the chance, and doesn't seem to care to smoke ever again. Might have to have one today just to remember who I am, or who I say I am, or was. Okay, I realize this all reads like an inner struggle, but I truly do not see it as big deal if I have one, or don't. And do think it was made a big deal in my dream state cause I set myself up to feel like I was being deprived of it, and that the craving was way for me to feel 'comforted' in that deprivation. That's how I see it working, in the mind/ego.

In reality of this morning, I'm way more concerned over sudden snowball of states in the US presenting bills to ban online sales of eCigs. That and usage bans popping up are suddenly having all that stuff we worried about for last couple years come to the forefront of what we on vaping forums may care to talk about. But I kinda feel sorry for opposition as they are about to get a fight from so many people, they won't realize what hit them.

 

[aikanae1]

I don't get how ppl think this is a government movement. This is corporate movement and that's who funds campaigns. There are less than 1,000 donors that fund 90% of campaigns and they are strongly connnected to a handful of corporate interests. It matters less and less what average ppl think, esp when ppl fall for the slickest advertising and marketing campaign, and phony "grassroots", i.e. like shipping in paid teens to testify against "killing their friends with ecigs".

All the info the politicans recieve comes from the FDA and lobbyists. Why would they know otherwise? They may be sincere in their desire to protect public health but if that's all the info they get, it's going to lead them in the opposite direction. So yea, if you want to vape, if you want to give other smokers the opportunity to quit, then ppl have to get off the couch and do something.

I think it's pretty clear corporates have figured out CASAA is a handful of volunteers with day jobs and they can't handle a mass attack. The idea that someone else will do it isn't going to work. The idea that they can't ban EVERYTHING is untrue. They can and have been planning on how to do for many years now.

Deeming is going to take years it appears so this is Plan B. Get small cities and towns to do it instead. The public isn't concerned about vaping and ppl tend to vote with the most popular side, which in this case is the FDA. Afterall that's the agency that approves their meds for other things. They almost have to trust them.

That's why every single voice counts.

 

[aikanae1]

Well this is day 2 of my leg acting up again and the pain is surreal. It feels like somone's beating it with a hammer in several places. I'm not used to having something wrong physically so I'm a marshmellow with this. Can't take opiates, can't take ibuprohen, so I'm back to eating acetme..... however that's spelled like it was candy. I don't know what to do. Dr. should be back from lunch now. I don't want to spend another 12hrs in the ER. That's VERY old. Sux.

 

[aikanae1]

Whoa. I just discovered this little ditty. No wonder FT is in the cross hairs of so many.
America's Fastest Growing Tech Companies 2013 - Forbes

Since 2003 a market-cap-weighted basket of each year’s Fast Tech 25 has beaten the Nasdaq, often by a wide margin...

 

[ShariR]

Rondaum, You are doing a great job. Those last couple are always the hardest. Just relax and smoke them if you need to. When the time is right you will drop them. It can take a while and some don't drop them at all. Just know that you have made major strides to reduce your risks regarding harm from smoking.

Welcome to the thread. Hang around.

 

[ShariR]

Awesome story. You may be entering a stage where you are subconsciously in a transitional phase where you are coming to the realization that your mind is craving, not your body and your mind is realizing it does not 'feel the need.'

I have read several stories lately on towns and cities enacting ecig bans so that they will qualify for 'tobacco fund' money. Evidently there is millions of dollars awarded to localities that put bans on ecig use in their laws. If they do not do it they walk away from that money. In today's economy every town wants their piece of the pie. Hence, lots of new local regs to qualify for the money, whether they want to do it or not. It is about getting those tobacco fund dollars. I think it is from the big tobacco lawsuit years ago.

Okay, so I just had the 'experience.' The one where I was anticipating having a smoke after a meal. I was with friend from high school, and we were eating lunch in his car, and I was thinking that afterward I would light up. But then things got a bit rushed after we finished, and as I was walking to the school, I had forgotten to light up, but could feel myself craving it. Got into school and felt lost, but confident as well. Like, I'm just here to look around and then going to step out for that smoke. Man, I'm craving a smoke, I thought. Started wondering if I'll ever graduate from high school as I never attend classes much anymore, and in this moment, smoking matters more to me than hanging around this place.

And then I woke up. Been a long while since I had that kind of dream. Could recall in first few moments of waking that I was really craving a smoke still. Bizarre how the mind will play that trick on you. But in my case, I'm thinking it's cause last night I was thinking along lines of, "I may have accidentally quit smoking here recently." Which you here all know, is not where I say I'm coming from. Me, the proud moderate smoker. Yet, me (lately) as the guy who doesn't smoke when given the chance, and doesn't seem to care to smoke ever again. Might have to have one today just to remember who I am, or who I say I am, or was. Okay, I realize this all reads like an inner struggle, but I truly do not see it as big deal if I have one, or don't. And do think it was made a big deal in my dream state cause I set myself up to feel like I was being deprived of it, and that the craving was way for me to feel 'comforted' in that deprivation. That's how I see it working, in the mind/ego.

In reality of this morning, I'm way more concerned over sudden snowball of states in the US presenting bills to ban online sales of eCigs. That and usage bans popping up are suddenly having all that stuff we worried about for last couple years come to the forefront of what we on vaping forums may care to talk about. But I kinda feel sorry for opposition as they are about to get a fight from so many people, they won't realize what hit them.

 

[ShariR]

We have replacement value on our policy. Adjuster still said that they depreciate the stuff. Personal stuff, rugs, appliances, etc. If that is the case, why have we been paying replacement value all these years. Yeah, I have some work to do.

My house was burglarized a few years ago - I have full replacement - my insurance company did the legwork - finding current prices of as close to the stolen items as possible. (All tech stuff) laptops, digital cameras, cell phones, etc. while I paid more for the items than I was reimbursed for - I was reimbursed replacement value. Had I not been able to find a replacement at that price i could submit the receipts for additional reimbursement.

They listed 2 prices - 1 the current value if not replaced and the other current replacement cost. They even told me where they found those prices.

I decided not to resubmit for the small price differences as they had overpaid on my door - which was brand new (2 months) - only framework needed to be repaired - the door itself was fine.

Not saying I made out - I didn't - but that's the nature of electronics. They even reimbursed me for the $160 in cash that was taken. Guess they figured I was being honest - was an odd amount.

 

[ShariR]

Thanks Uncle. Adjuster is interpreting policy as he decides to read it. It is probably his job to pay out as little as possible. Called a couple of local contractors and they are booked for a couple of weeks to even come out to estimate. Crazy. Many people had burst pipes here.

Ok - Can't read through all the post right now . . . SO "Shari" just as an FYI:

DO NOT Except this Adjusters Opinion . . ."Lox" is right - if need be . . . "My" mother had a huge fire in her home and had "Replacement" Value in her policy . . . The Insurance Adjuster tried to pull the same stunt with her at the time . . . They want her to cut and repalce only areas of flooring that were burnt and as for the rug which went from One end of home to the other they want to cut areas and replace with pieces of carpeting (They said it din't matter if it matched - WHAT? ? ? ) . . . "We" got 3 Quotes from different sources to replace/repair "stuff" - submitted them for approval and they again tried to not pay the replacemnt value (Floor/Carpeting/Cabinets/Furnature/etc.) . . . Very long story short - "We" refused to except their opinion - then threaten to get a "Private" Indepdant Adjuster, have the home inspected by the local health/building code inforcement departments (AND - Given "Your" situation - might be good idea to do anyway to prove what damage is there and NEEDS to be taken care of) and take them to court . . . They finally relented and agreed to pay the full price for eveything to be replaced properly . . . It took a little extra time and agravation (especially on "Me") but well worth it in the long run after everything was fixed . . . Just Sayin' . . . GOOD LUCK ! ! !

OK - Got to get to the airport to get to "Lox' & "Jazz" land . . .

 

[beebopnjazz]

We have replacement value on our policy. Adjuster still said that they depreciate the stuff. Personal stuff, rugs, appliances, etc. If that is the case, why have we been paying replacement value all these years. Yeah, I have some work to do.

That's how they explained it to me - of course, always less your deductible - mine was pretty high $1500. I did receive restitution for my deductible from the little delinquents over the course of a year.

The smaller differences were because they did their legwork on Black Friday and those items were sold out at those prices. But, like I said my brand new door covered those differences as I only needed frame repair.

The roof leak here.....entire runs of ceiling tiles were part of the estimate. 1 tile in the living room - but the living room, dining room and hall were included because they'll never match up exactly. Bedroom was the same thing - that room has tiles that aren't anywhere else in the house, half dozen bad tiles and the estimate was for the entire bedroom. So, I don't understand why they are yanking you around..... never match the carpet - even if it's still made - it will never match. Hardwood can be refinished but that would be included in the estimate.

Public adjusters are independent - they take a percentage...but I don't remember if it's 10% or 20% - but their estimates are definitely higher. My old boss used public adjusters whenever he had a damage claim and he always came out ahead......even after the adjuster was paid.

 

[Equality 7-2521]

Copratisim, and monopolies can only exist with the collusion of an oppresive and over reaching goverment that writes laws and regulations that protect existing corporations from healthy competition, and thwarts smaller companies from entering the market which is exactlly what they are doing to vaping.

The idea that the political class somehow is misinformed or is honest but misdirected is a farce they hope we continue to swallow....you can't con an honest man....... they know how much money they pocket.They know who pays their bills, they know who tells them how to vote. I know Americans want to believe that they are somehow above it all, but our entire political class has grown as corrupt, and brutal as any banana boat nation, perhaps far worse.

I don't get how ppl think this is a government movement. This is corporate movement and that's who funds campaigns. There are less than 1,000 donors that fund 90% of campaigns and they are strongly connnected to a handful of corporate interests. It matters less and less what average ppl think, esp when ppl fall for the slickest advertising and marketing campaign, and phony "grassroots", i.e. like shipping in paid teens to testify against "killing their friends with ecigs".

All the info the politicans recieve comes from the FDA and lobbyists. Why would they know otherwise? They may be sincere in their desire to protect public health but if that's all the info they get, it's going to lead them in the opposite direction. So yea, if you want to vape, if you want to give other smokers the opportunity to quit, then ppl have to get off the couch and do something.

I think it's pretty clear corporates have figured out CASAA is a handful of volunteers with day jobs and they can't handle a mass attack. The idea that someone else will do it isn't going to work. The idea that they can't ban EVERYTHING is untrue. They can and have been planning on how to do for many years now.

Deeming is going to take years it appears so this is Plan B. Get small cities and towns to do it instead. The public isn't concerned about vaping and ppl tend to vote with the most popular side, which in this case is the FDA. Afterall that's the agency that approves their meds for other things. They almost have to trust them.

That's why every single voice counts.

 

[Karen N Daytona]

hello, I am finally home from my big day out! I am tired so I will be back later. hope you all had a really good day!

 

[twgbonehead]

We have replacement value on our policy. Adjuster still said that they depreciate the stuff. Personal stuff, rugs, appliances, etc. If that is the case, why have we been paying replacement value all these years. Yeah, I have some work to do.

If the adjuster said they depreciate the stuff he's lying. Replacement value is what it would cost today to replace what was lost or damaged. There is a possibility that you have replacement value on the house, but only "current value" on the stuff. Insurance policies are complicated for a reason (and it's not to help you out!)

Be careful!! DO NOT SIGN ANYTHING HE GIVES YOU without carefully reading it first. He might say "I just need you to sign that you've received my estimate" when in fact, the fine print says you've ACCEPTED his estimate! Same for anything you get in the mail.

 

[ShariR]

Thank you for that info Jazz. It really does help. We have never had a claim on a homeowners policy before and it is confusing, to say the least. But I am no dummy and know when I am being jerked and jargoned around. I told hubby to get a copy of the full policy from the agent, with all amendments, etc. We are also digging for original policy. I am so sick of paper and it is only the beginning.

So far can not find a contractor to come out to the house yet.

That's how they explained it to me - of course, always less your deductible - mine was pretty high $1500. I did receive restitution for my deductible from the little delinquents over the course of a year.

The smaller differences were because they did their legwork on Black Friday and those items were sold out at those prices. But, like I said my brand new door covered those differences as I only needed frame repair.

The roof leak here.....entire runs of ceiling tiles were part of the estimate. 1 tile in the living room - but the living room, dining room and hall were included because they'll never match up exactly. Bedroom was the same thing - that room has tiles that aren't anywhere else in the house, half dozen bad tiles and the estimate was for the entire bedroom. So, I don't understand why they are yanking you around..... never match the carpet - even if it's still made - it will never match. Hardwood can be refinished but that would be included in the estimate.

Public adjusters are independent - they take a percentage...but I don't remember if it's 10% or 20% - but their estimates are definitely higher. My old boss used public adjusters whenever he had a damage claim and he always came out ahead......even after the adjuster was paid.

 

[loxmythe]

Shari for estimates I'd call the bigger construction contractors. Higher overhead than "Joes I got a truck with ladder racks contracting" means higher estimates