pretty much entirely for worldbuilding and outlining 😅 also, it would be more than this but werdsmith doesn’t track what you type on a computer, only what you type in the app
I've been working on worldbuilding and outlines for some of my stories and omg they're so interesting. I just want all of them to exist already so I can read them
It’s important that this information is predated with the knowledge that I was leaving for Dallas on Sunday to attend an event for work. I don’t live in Texas, so it’s a significant trip. You should also be aware that I drive a ‘96 Toyota Avalon, that I’ve had for about 10 years. (Her name is Mars and I love her.) Mars has 200k+ miles on her, no AC, and her trunk no longer opens.
This story spans 4 different towns, all within 1 hour of each other. The town where I work on Mondays, the town I work the rest of the week, the town where my SO lives, and the town where my mom lives. We will call them, in order, Town C, Town S, Town T, and Town P.
I knew this trip was coming up. I had known for months. I put it on my to-do list to get Mars an oil change and a spare tire. She had a blowout a few years ago and I lost track of where that tire, or rather, its rim, went. Do I do anything on my to-do list leading up to the week I leave? Ha, no. I make plans to do it all on Wednesday, May 15.
Monday, I’m in Town C, and I ATTEMPT to leave work half an hour early and find out that Mars has a flat. I do not have a spare. What I do have is my ‘99 Toyota Avalon that I got a few years ago. It was totaled Jan ‘23 and has been sitting at my mom’s place. I had since fixed most of its issues, but it still needs completely new tires, an oil change, tag update, and the like. However, when I was replacing the radiator a few weeks before this, I had checked the tires and they seemed fine enough to use as a temporary spare.
My lovely SO picks me up from work, but we live on the very edge of broke and they need gas money. The only money I have access to is on an app called Yotta. I’ve had it for almost a year and never had any problems. I try to withdraw it to my bank account and it takes my money, but doesn’t put it in my account. (I get an email several hours later that the company that does their banking for them quit or something. It takes about two weeks before that money is returned to my Yotta account.) I contact a friend who cash apps me some gas money, thank fuck. It was a very tense fifteen minutes before they responded to my plea. After we leave my workplace, we swing by the bank that has my savings account in it and I withdraw some emergency money. (I do keep my checking account and my main savings account in different banks. If I have the power to transfer money from one account to another to spend it, I WILL. I’m much less likely to drive to my bank and withdraw money in order to spend it.)
I stay with my SO for the night. The plan is they’ll take me to my mom’s Tuesday morning so I can steal one of those tires. (I couldn’t go the previous evening. I called in late to work. We have flexible schedules, so it’s not putting them out that I come in late or else I could have done it after work.) I have 3 vehicles; Mars, laid low by a flat tire in Town C, my ‘99, broken down in Town P, and a van parked at my workplace’s main office in Town S. (I also have a motorcycle parked at my cousin’s in ANOTHER town, but that’s an entirely different story.) The point is, I own a jack and jack stands and a 4-way and an air compressor and all the handy-dandy tools that someone with 3 vehicles from the 1990s and no desire to pay a mechanic would own. However. Do I know where they are? No.
(My living situation is wonky too; I have a storage unit for most of my things and kind of cycle from my van to my friend’s house to my SO’s house and etc depending on who needs me to babysit their kids/animals and what kind of plans we’ve got coming up, living out of my book bag and a Wal-Mart sack of clothes.)
I digress. My mom’s vehicle has a specific kind of jack that won’t work for my ‘99, so we hunt through my SO’s parent’s things until we find theirs. (SO lives right next to their parents. It can be convenient. Sometimes.) 30 min drive to go and remove the tire, easy enough, leaving the ‘99 sitting on jack stands. With the rain and everything, it’s not a good idea to risk the stands sinking into the mud. I make plans to come over on Friday to put its tire back on it. (Note: There was a brief panic when we realized that my ‘99 required a lugnut key in order to remove the tires. I had no idea that was a thing, although I can admit in hindsight that it’s very cool. In the moment, we were ransacking the car until we, thankfully, found the key we needed.)(Quick side quest: the people that live across from my mom had a cow loose. No one answers their door when you knock anymore, so we had to follow it down the road to take pictures of where it went and send them to my mom so she could let them know.) 30 min drive to Mars where we swap the tires, easy enough.
I make a Wal-Mart pick-up for Wednesday afternoon so I can have my own jack, jack stands, and 4-way in case I need them on my trip, as well as an appointment to get my oil changed and get a new tire. (I don’t have time to hunt through my things to find my OG ones and between my SO and I, we have plenty of younger siblings who we can re-gift these too. Alongside a lesson on how to change a tire, probably.)
30 min drive back to my SO’s place where I work from home the rest of the day because I’m trying to minimize the amount of time I drive on this tire. Wake up Wednesday morning to leave for work and the tire we had taken from my ‘99 was flat. Okay, that’s fine. Luckily my SO doesn’t have to go anywhere, so I take their van to work and afterwards, I go to Wal-Mart. They’re short-staffed and busy, so they take over 2 hours to swap the rubber on the rim of the flat tire. I get the fluids checked on my SO’s van while I’m there and it’s apparently in DESPERATE need of some oil. I buy some of that. I reschedule Mars’ oil change for Thursday. (I just don’t feel like doing it myself.) I’ve been needing to make a copy of SO’s house key so I can have one, but the auto center doesn’t do that anymore and I’m not really up for going to the pharmacy after 2 hours idly walking around until the tire was done. It can wait until next time.
I go back to Town T and swap the flat tire on Mars for the new tire. My SO has been dealing with a cold this week and his pregnant sister had an early doctor’s appointment. They’re out of the house at 7am. I don’t have to leave for work until 8:15am, therefore I’m not getting up until 8am. It’s raining pretty heavily. I go outside to leave for work, shutting the door to the house behind me, and then abruptly realize that I’ve locked my car keys inside. Usually we communicate through messages, at my workplace, but I have to straight-up call my supervisor to explain to her the absolute ridiculousness of this week.
If you’ll recall, my SO’s parents live right next door. Fortunately, they use a keypad lock. Unfortunately, it takes about 20-30 minutes to get ahold of anyone and find out the code. I hang out until my SO gets back about an hour later. There’s an extra level of tension involved, since Thursday is the day I attend court and there were several clients lined up. I was just BARELY able to make it and then was busy enough at court that I spent the rest of the day there.
Friday, I had plans with my mom and I needed to get the ‘99 off jacks, even if it was onto a flat tire. I was too busy to leave work early, so I ended up not being able to get my oil changed (in case it took another 2 hours), but I swung by to buy some oil for Mars to do it myself or have someone else do it. Spent the rest of the evening at mom’s and got the tire put on. Also, in the first streak of luck for the week, there was a spare tire in the trunk of my ‘99, which solved one of my issues. Went to stay the night with SO and return their parents’ jack stands.
Saturday was a baby shower for SO’s previously-mentioned pregnant sister. It was on the outskirts of Town P, at their older sister’s house, about 45 min away. A family friend offered to do the oil change for me. Go to the baby shower, come back, and it gets to be around 6pm when we try and call him to see if he’s managed to do it. (I’m leaving Sunday at 5am and I really don’t want to do an oil change by flashlight.) It’s not until 8pm that he gets back to us and lets us know it’s done. SO brings Mars home with her brand new oil, brand new tire, and the spare in her backseat after a long, trying week of attempting to get those three objectively easy things done.
Go to Dallas and come back with no issues! (I do catch my SO’s cold, which just figures, but at least I don’t have to change another tire!)
Sewing Challenge: Design & Make an Awe-Inspiring Dress in 120 Days
Start Date: March 12, 2024
Motivation: My work is hosting a black-tie event in August and I want to be able to spend the entire night bragging about my outfit and being complimented so I don’t have to utilize any actual conversational skills. (Because I don’t have them. My boggart is small talk with strangers and it shows.) (I’m also just enchanted with the idea of being able to make my own clothes. I used to be the most colorful person in my middle school. We’re talking neon green leggings under bright pink shorts. I LOVED it and I feel like, as a plus-size adult, I’m limited in my options to express myself through clothes unless I forfeit half my paycheck.)
Challenge: I’ve never sewed. Ever. I bought a sewing machine 2 years ago. Never touched it. Lost the peddle. Don’t even know if it works. Is 120 days enough time to design and make a dress? I have no idea. Gonna try anyway!
Extra Challenge: I own 3 pairs of pants and 3 pairs of shoes. I do have some variety in shirts because I don’t want people to actually notice how lacking I am in a wardrobe, but it’s…dire. I’ve never paid attention to fashion and I have no idea about “color palettes” or…other important fashion-adjacent terms.
Reality: I am working full-time and I’m doing school full-time, like, three times over considering all my extra courses and programs. Also, I’ve got several other projects I’m working on. Also also, I’m living in a van that doesn’t have electricity outside of a 1000-watt Jackery, which means I’ll be trying to complete this in hidden corners at work and my SO’s place. If I can’t manage this, I’m not going to be mean to myself or get discouraged. I’m going to appreciate that I gave it a try and choose a different future event for another sewing challenge that’ll hopefully have more success. No self-hate here for attempting something new!
Goals:
Buy a new peddle for my sewing machine Done! I checked what kind of sewing machine I have (Singer Heavy Duty 44S) and when the local craft store didn’t have one, bought a peddle for about $20 on Amazon.
What are the different dress styles? What type should I try? What types look good on someone plus-size?
Watch a video on how to make shoes and decide if I’m going to do that too
See if the sewing machine works
Try a basic sewing project
Buy fabric scissors (I’ll probably need those. I don’t think they’re the same thing as kitchen scissors.)
Do I need a mannequin? Should I buy one? Are there plus-size mannequins? The general consensus is NO. A mannequin is emphatically not necessary. I appreciate everyone’s advice! I did do my own research and determined the same thing. There are plenty of ways to get accurate measurements that are less expensive. 🤗
What color scheme should I do? I have strawberry blonde (orange-red hair. copper-colored hair. I don’t know, there are lots of terms for it. Look up “fawn boxer” and my color is that. I used to have a boxer as a kid, legit could not tell the difference in colors) hair and very pale skin. (Teacher actually compared me to a whiteboard once. Rude.) What looks good with that? I’m thinking dark purple with black. Recently came into ownership of a dark purple shirt and it looks fabulous with my hair, actually.
What type of fabric should I use? I’ve discovered that this is a crucial question to ask! The type of fabric used is super important when it comes to price, what you want the dress to look like, and how you plan to make it.
I use a notebook for my to-do list now and it goes on a week-by-week basis. I average having around 20 items to accomplish per week, but I don’t stress myself about it if I can’t manage everything. I’ve got 4 main writing projects going on right now and every week, each of those projects has a word count goal. This post is going to help me keep track of how many words each of those projects should have by the end of each week.
I do that on paper too, but it’ll be satisfying to be able to strike-through each week as I finish it; I could hypothetically do that for the paper version too, but it might impair my ability to read it.
Something you should know is that, for my to-do list, I only do about 3 weeks per month. The extra days are at the end of the month and they’re meant to help me catch up on anything I haven’t been able to do. I also keep a low word count as my weekly milestone for each project in order to not fall behind. I hope to get ahead and have about 20k words for each of the 4 projects written by the beginning of June. Again, not going to pressure myself about it too much either. I’m also crazy busy with all my education stuff.
The projects are: greek mythology, collector’s, family, and chess. You may recognize a few of these, as I’ve mentioned them before. I’ve completely started over, so any previous word counts are not applicable.
I’m going to use this post to keep track of what I’ve read for the year and what I hope to read. I’m one of those “former gifted kids” who devoured books in school and slowly lost the ability to do that as I got older. I don’t think I’ll ever get back to how I was and I’m not going to try, but I do want to work more reading into my schedule than I have now.
Currently, all of my reading comes from books assigned in college courses and fanfiction.
I’m absolutely going to pad my list with aforementioned books I’ve read for my classes, but I bet you won’t be able to identify which ones are on a syllabus and which ones aren’t. My interests are extremely varied.
TBR:
Flight of Icarus by Caitlin Schneiderhan
The Perfect Marriage by Jeneva Rose
Tinker, Tailor, Soldier, Spy by John le Carré
Superman’s Not Coming by Erin Brockovich
On Writing by Stephen King
Frankenstein by Mary Shelley
The Vietnam War by Geoffrey Ward & Ken Burns
For Whom the Bell Tolls by Ernest Hemingway
The Time Traveler’s Guide to Medieval England by Ian Mortimer
What is Life? How Chemistry Becomes Biology by Addy Pross
Launching a Business: The First 100 Days by Bruce Barringer
The Art of War in the Middle Ages by Charles Oman
Magic: A History by Chris Gosden
Hitch-Hiker’s Guide to the Galaxy by Douglas Adams
The Pickwick Papers by Charles Dickens
A Rumor of War by Philip Caputo
Paper Towns by John Green
Atlas of the Heart by Brené Brown
Treasury of Greek Mythology by Donna Napoli
Mythos by Stephen Fry
Uncovering Greek Mythology by Lucas Russo
The Martian by Andy Weir
I’m with the Band by Pamela Des Barres
Red Water by Lisa Courtaway
The Scarlet Alchemist by Kylie Baker
The Storyteller’s Secret by Sejal Badani
The Emperor of all Maladies by Siddhartha Mukherjee
It’s my first day back to work after a 2-week vacation. I used comp time to cover it because I severely overworked myself during the holidays, so I’m not sure if I’m actually more “rested” or just catching up on what I missed. Either way, I’m dealing with a severe case of post-vacay-existential-crisis that has me questioning my entire life. I’ve had this job for over two years now and it’s nice, I love the environment and I feel like they care about their employees, but lately I’ve had an increasing feeling of…complicity.
“Comfort breeds complicity” and all. I think I need to move on soon, even though the thought of it terrifies me. This is the best job I’ve had; it’s the best paying, the best work culture, the best work, and more, but none of that is saying much. My salary is $39k and I came to this job from one that paid $11/hour and was very toxic.
I think I’ve maybe outgrown this job. I think if I stay…I’ll stop improving. But I’m worried I’ll regret leaving. There’s always the chance of having to backslide and ending up in a worst position. I hope that I get something lined up soon so I can move on.
Anyway, outside of that, I’ve been dealing with an ongoing medical issue. I have another appointment tomorrow where I hope we’ll come up with a game-plan to deal with it, but we’ll see. It’s a somewhat sensitive issue and I live in a very conservative state.
I also still have two weeks of comp time (yes, I had a month total of comp time that I accumulated over the span of three months) that I’d like to use sooner rather than later, to have less holding me back if when I decide to leave.
Still working on my college classes and my numerous other educational pursuits, as well as my independent projects. It’s quite the juggling act lately, but I’ve felt a lot more purposeful in my personal life as a result.
I like it.
Oh my gosh, now to move on to frivolous things, I highly recommend the show Gyeonseong Creature on Netflix. I’ve been watching it lately and I love it! I’m reading Frankenstein by Mary Shelley and I’ve been obsessed with the video game Vigor. (The PalWorld fixation has come and gone for me already. Might revisit later.) Also, super disappointed about Madame Web. I haven’t watched it, but the reviews and clips on social media are plenty reason to not put myself through unnecessary hardship.
What else? I’m obsessed with smoothies lately! I use frozen fruit, plain yogurt, vanilla protein powder, super creamy oat milk, and white chocolate to make them AMAZING.
I think that’s it for now. Really lame ending, but I was generally all over the place. Toodles!
Property & Casualty Adjuster Online Course, Part 1
Unit 1: Introduction to Insurance
Risk is the possibility that loss will occur. When a person purchases insurance, the risks they might face include storm damage, fire, theft, or a car accident.
Insurance is a contract that transfers the risk of financial loss from an individual or business to an insurance company.
There are 2 types of risk:
Speculative risks have a possibility of a loss and also the possibility of a gain. Gambling and investing are examples of speculative risk; they’re not covered by insurance.
Pure risks only involve the possibility of experiencing a loss, not a gain.
The potential for accidents and other losses is called exposure. Insurance companies have underwriting departments to evaluate a risk and rate an exposure. This is how they determine premium rates and decide whether or not they will offer insurance.
The cause of a loss is called a peril. For example, if a house burns down, the peril (cause of loss) is the fire.
A loss is defined as: (1) the unintended, unforeseen damage to property, (2) injury, or (3) amount paid. There are 2 types of loss:
Direct loss is physical loss to property with no intervening cause. Examples of direct loss include lightning striking a house or an automobile hitting a tree.
Indirect loss is a consequential loss as the result from a direct loss. Examples of indirect loss include loss of rental income due to house fire, which cause a loss of profits for the landlord.
A hazard is anything that increases the chance that a loss will occur. There are 3 types of hazards:
Physical hazards are physically identifiable factors that increase the chance of loss. A dead tree in a yard increases the possibility of the tree falling on the house.
Moral hazards arise from an individual’s character. Dishonesty is a moral hazard because it may increase the chance that an individual lies on an insurance application or fakes a loss.
Morale hazards are a state of mind or careless attitude. An example of a morale hazard is the insured leaving the doors and windows unlocked when not at home, or the insured leaving a car running and unlocked while going into the store.
The law of large numbers is the principle that makes insurance possible. It’s impossible to guess who will suffer a loss in the future, but thanks to the law of large numbers, insurance companies can estimate how much they’ll have to pay out each year. They can then charge each insured a premium based on that number, as well as the operating costs.
Depending on where an insurer is headquartered, it is classified as being domestic, foreign, or alien.
In its home state- the state in which the insurer was formed (chartered or incorporated) and usually headquartered- an insurer is referred to as domestic.
In another state or U.S. territory, an insurer is referred to as foreign.
An insurer formed under the laws of any country other than that U.S. and its territories is considered an alien insurer.
The certificate of authority is the license insurance companies need to sell within a state. When a company is licensed, it is called admitted or authorized. Some states allow companies to sell insurance to certain types of risks (called surplus lines) without having a license, which is called nonadmitted, unauthorized, or nonapproved.
If an individual or a business has an exceptionally large or specialized risk that no authorized insurer can or will cover, insurance may be obtained from an unauthorized insurer on a surplus line basis.
Unit 2: Contracts
Insurance policies are legal contracts and are subject to the general law of contracts. To form a valid legal contract, five elements must be present. To remember these elements, use the acronym CLOAC.
C - Consideration, which refers to an exchange of value.
L - Legal purpose. To be valid, a contract must be for a legal purpose and not contrary to public policy.
O - Offer, which is a proposal made by one of the potential parties to the contract.
A - Acceptance of an offer must be unconditional and unqualified.
C - Competent parties, which means that for a contract to be binding, both parties must have the legal capacity to make a contract.
Insurance policies are contracts of adhesion. Their provisions are written by only one party to the contract, and the other party is required to adhere to them. If there is any doubt regarding the wording of a contract of adhesion, the courts will interpret the meaning in favor of the insured. The insured has little or no input into the wording of a contract; therefore, the insured cannot be held responsible for any ambiguous contract language.
Insurance policies are aleatory contracts, meaning that the value received from the contract by each party is unequal.
Insurance is a contract of utmost good faith. This means that each party is entitled to a reasonable expectation that the other party will not try to conceal pertinent information or otherwise act deceptively.
Insurance policies are unilateral, or one-sided, contracts because only one party is legally bound to perform under the contract. The insurance company makes a legal promise to pay for a covered claim. The insured can stop paying premiums and abandon an insurance contract any time.
Insurance policies, such as auto and homeowners insurance, are personal contracts. They are contracts between the insurance company and the applicant or insured; in most cases, they are non-transferable.
Insurance policies are conditional contracts because they require certain conditions to be fulfilled in order for performance under the contract to be enforced.
Insurance policies are contracts of indemnity, meaning that the contract is intended to restore the insured to the financial state they enjoyed prior to the occurrence of a loss- no more, no less. The principle of restoring an insured to their pre-loss financial state is known as indemnification.
A representation is a statement that the applicant believes to be true. Statements made on an application by the insured are representations. A misrepresentation is a representation that is actually false. Misrepresentations do not necessarily void insurance contracts. In order to void a contract, they must be material misrepresentations- that is, the false information must have been a determining factor in the insurer’s decision to accept the risk.
A warranty is a statement that is guaranteed to be true, and it may be relied on by the other party. For example, a jewelry store owner makes a promise (warranty) to the insurer to have a burglar alarm system in the store. After a burglary, if it is discovered there was no alarm system, the insurer could deny the claim.
Concealment is the failure to disclose known facts. An insurer may be able to void the insurance contract if they can prove that an applicant or insured intentionally concealed a material fact.
Fraud is an intentional act designed to deceive and induce another party to part with something of value. Fraud involves intentional misrepresentation and concealment of material information.
Waiver is defined as the intentional and voluntary giving up of a known right. For example, if a policy is issued to insure a building without the company ever asking the age of the building, the insurance company has acted as if the age doesn’t matter. The insurance company created a waiver.
Estoppel means that once a right has been waived, it cannot be reinstated and used against the insured.
Property insurance pays the insured for covered losses to the property (buildings and personal belongings). These are referred to as first party losses. Insured property can be buildings or personal property.
Casualty policies, or liability insurance, protect an individual or business when it is found legally liable for negligent acts or omissions that cause injury or property damage to others. Casualty insurance never pays the insured; it pays the “other guy”. These are referred to as third party losses.
Property and casualty policies cover different types of risks and contain several parts. In order to remember them, use the acronym DICEE:
•Declarations section includes information relative to who, what, when, and where. The name of the insured, current address, a legal description of the insured property, the policy deductibles, and the term of the coverage.
•Insuring agreement describes the covered perils or risks assumed by the insurer and makes reference to the contractual agreement between the insurer and insured.
•Conditions section states the policy provisions, rules of conduct, duties, and obligations required for coverage. Examples of conditions could include that the insured must file a claim and notify the police if the loss is crime-related. If the insured does not adhere to the conditions of the policy, the insurer may deny coverage or a claim.
•Endorsements and additional supplementary coverages. The former adds, modifies, or takes away coverage. An endorsement is attached to the policy and is part of the legal contract. Additional/supplementary coverage provides payment for certain additional expenses.
•Exclusions take coverage away from the insuring agreement by describing property, perils, hazards, or losses arising from specific causes which are not covered by the policy. For example, flood damage may be an exclusion in a policy.
The word insured can have a number of different meanings in an insurance policy.
•The named insured is the person, business, or other entity named in the declarations to which the policy is issued.
Q1: Which of the following property policy forms should be used when it is difficult to provide the insurance company with an accurate statement of values because of fluctuations in inventory from month to month?
A: Reporting form
Reference:
Q2: Which of the following is NOT included in the Nationwide Marine Definition?
A: Personal shipments
Reference:
Q3: Which of the following is NOT relevant in determining whether a third-party claim is covered?
A: Insurable insurance exists
Reference:
Q4: Condominium association coverage forms insure all of the following against direct physical loss or damage EXCEPT:
A: Personal property owned, used, or controlled by the condo unit owner
Reference: 11.6 in the License Exam Manual
Q5: What is the purpose of the ordinance or law coverage?
A: This additional coverage provides an additional amount of insurance for the increased costs of repair due to zoning laws.
Reference: 6.3.4.2 in the License Exam Manual
Q6: The chief officer of an insurance department may issue all of the following penalties to licensees who engage in unfair or deceptive practices EXCEPT:
A: Order imprisonment for willful violators
Reference: State supplement
Q7: An insurance policy that contains unclear language will be:
A: Interpreted against the party who wrote the contract
Reference: 2.3.2.1 in the License Exam Manual
Q8: Who are the three parties to a surety bond?
A: Principal, obligee, and surety
Reference: 16.7.1 in the License Exam Manual
Q9: The Fair Credit Reporting Act:
A: obligates insurers that use a third-party source to acquire credit information to inform applicants who have been denied coverage of the identity of that source.
Reference: 3.7.1 in the License Exam Manual
Q10: An insurance broker has contacted an insurance agent in attempt to place a large homeowners policy. When an insurance broker is involved, who does the agent legally represent?
A: Insurer
Reference: State supplement
Q11: If an H0-3 policy has a coverage limit of $100k on the dwelling, how much coverage would automatically apply to cover the insured’s personal property under Coverage C?
A: $50k.
Reference: 7.5.4.1 in the License Exam Manual
Q12: While at an NHL playoff game, a spectator is injured when a hockey puck hits his face. He files suit against the team. Which defense against negligence might the team’s attorney use?
A: Assumption of risk
Reference: 5.3.5 in the License Exam Manual
Q13: After a homeowners policy has been in effect for 60 days or more, it may be canceled for all of the following reasons EXCEPT:
A: Claims which occur during that time period.
Reference: 7.3.2.1 in the License Exam Manual
Q14: Which part of the claim handling process involves determining how much will be paid on a claim that is partially or fully covered?
A: Evaluation
Reference: 21.3 in the License Exam Manual
Q15: What is the meaning of actual cash value (ACV)?
A: Replacement cost, less depreciation
Reference: 4.4.8.1 in the License Exam Manual
Q16: Which of the following coverages is included in the homeowners policy but is not included in an unendorsed dwelling policy?
A: Liability
Reference: 7.6 in the License Exam Manual
Q17: Which of the following bonds protects an employer from the actions of dishonest employees?
A: Fidelity
Reference: 16.7.3 in the License Exam Manual
Q18: The farm covered causes of loss-broad form includes all of the following risks EXCEPT:
A: Voluntary parting with covered livestock
Reference: 13.3.1.1 in the License Exam Manual
Q19: Losses arising from wrongful termination or are covered by:
A: employment practices liability
Reference: 18.5 in the License Exam Manual
Q20: Temporary, short-term evidence of coverage is provided by:
A: A binder
Reference: 3.6.2 in the License Exam Manual
Q21: In property insurance, an insurable interest:
A: must be present at the time the policy is written and also at the time of loss
Reference: 3.5 in the License Exam Manual
Q22: An agent’s license can be terminated for which of the following reasons?
A: After receiving verbal permission, the agent signed the insured’s name on the insurance application.
Reference: State supplement
Q23: What type of insurance policy insures against all risks of loss that are not specifically excluded by the policy?
A: Open peril policy
Reference: 4.4.1 in the License Exam Manual
Q24: The insured has an auto policy with liability limits of $30k/$60k/$10k. He negligently runs off the road and causes $70k damage to an apartment building. How much will the policy pay?
A: $10k
Reference: 8.7.5 in the License Exam Manual
Q25: Commercial umbrella policies can be written over all of the following primary liability coverages EXCEPT:
A: workers’ compensation
Reference: 18.7 in the License Exam Manual
Q26: Which of the following auto coverages insures only the policyholder’s legal liability?
A: Bodily injury/property damage
Reference: 8.7.1 in the License Exam Manual
Q27: Under the commercial package policy, the person whose name is listed first in the declarations and is assigned certain responsibilities and obligations is:
A: the first named insured
Reference: 10.6 in the License Exam Manual
Q28: Dwelling policies may be used to insure all of the following EXCEPT:
A: farm dwellings
Reference: 6.3.2 in the License Exam Manual
Q29: Which of the following would be considered special damages?
A: Medical expenses
Reference: 5.3.6 in the License Exam Manual
Q30: Which is a characteristic of the businessowners policy (BOP)?
A: It includes property and liability coverages, similar to a commercial package policy.
Reference: 19.3 in the License Exam Manual
Q31: The extra expense coverage form provides:
A: coverage that will permit the insured to continue in business without interruption following a property damage loss.
Reference: 11.7.1 in the License Exam Manual
Q32: An example of a foreign insurer is:
A: an authorized insurer doing business in Texas but incorporated in Nevada.
Reference: and 1.5.1 in the License Exam Manual
Q33: Which of the following would NOT be considered a personal injury loss under the commercial general liability (CGL) policy?
A: Fraud
Reference: 15.5.1 in the License Exam Manual
Q34: Assume lightning strikes a home and starts a fire that destroys the structure and its contents. By definition, the fire is the:
A: peril
Reference: 1.3 in the License Exam Manual
Q35: Which of the following statements regarding workers’ compensation laws is CORRECT?
A: Benefits are paid to workers injured on the job regardless of who is at fault.
Reference: 20.3 in the License Exam Manual
Q36: What type of policy would cover lost revenue for a business that is forced to close during a period of restoration after a covered physical damage loss?
A: Business income
Reference: 11.7.1 in the License Exam Manual
Q37: Umbrella liability insurance policies do all of the following EXCEPT:
A: provide coverage only to individuals
Reference: 9.10.1 in the License Exam Manual
Q38: The commercial package policy interline endorsements
A: are those endorsements that apply to more than one coverage form
Reference: 10.4 in the License Exam Manual
Q39: Once an injured employee has received benefits provided under workers’ compensation, that employee may not file a suit against her employer to gain additional benefits. This is the definition of:
A: exclusive remedy
Reference: 20.3 in the License Exam Manual
Q40: A claim representative has settled and paid a claim. In most cases, the next step in the claim handling process is to:
A: have the claimant sign a release
Reference: 21.6 in the License Exam Manual
Q41: Physical damage coverage under the business auto coverage form includes collision, comprehensive coverage, and specified causes of loss. If a covered auto accidentally collides with a deer, this will be covered under:
A: comprehensive coverage
Reference: 17.4.6 in the License Exam Manual
Q42: A restaurant has employees use company vehicles to make deliveries. If a driver has an at-fault accident which causes injuries, the employer may be responsible because of:
A: vicarious liability
Reference: 5.3.5 in the License Exam Manual
Q43: An insured has a $200k limit on her homeowners policy and a $1 million umbrella. If there is a $275k loss, how much will her homeowners and umbrella policies pay?
A: The homeowners policy will pay $200k and the umbrella policy will pay $75k
Reference: 9.10.1 in the License Exam Manual
Q44: The type of claim handler who is hired by an insured to prepare a claim and negotiate settlement is:
A: a public adjuster
Reference: 21.3 in the License Exam Manual
Q45: When would misrepresentations in an application be a basis for voiding an insurance policy?
A: Only if they were material misrepresentations
Reference: 2.3.2.8 in the License Exam Manual
Q46: What is an authorized insurer?
A: A company that is approved by the state’s department of insurance to transact insurance business in the state
Reference: State supplement
Q47: A personal automobile policy’s medical payments coverage will pay for:
A: injury to a family member who is struck by the insured’s car
Reference: 8.8.1 in the License Exam Manual
Q48: The hired auto and nonowned auto liability endorsement provides coverage for all of the following EXCEPT:
A: owned autos
Reference: 19.8.3 in the License Exam Manual
Q49: Which part of the insurance contract contains information about the location of the insured property?
A: Declarations page
Reference: 3.3 in the License Exam Manual
Q50: The attempt to restore an insured to his pre-loss condition is known as:
Alright, the deadline for dropping courses without having to pay for them has officially passed. I am locked in for the semester with 18 hours of classes and a bill of approximately $7.6k. If I want my degree I still have 2 semesters after this, so I need to book it on finishing out the other programs I’m doing (TEFL certification, Video Game Dev, and Kaplan’s claims adjuster course). Hopefully I can put them to good use once completed and pay this off before I’m saddled with loans for the rest of my life. (It probably wouldn’t be the rest of my life since I’ve already completed the first half of my degree.)
Living on the edge, amiright?
AFTER completing one or more of the other programs I’m in, I might also enroll in a real estate course. I wouldn’t do it full-time, but realtors in my area average 2-3 houses annually while working part-time and the commission on that would be around the salary of a minimum wage job. It would be more flexible with my actual full-time job too. The issue is that I hope to move out of state soon, but depending on which state, I could transfer that real estate license over. I’m still considering it. It’ll depend on if I can land a remote claims adjuster job and/or a remote job as a TEFL instructor upon completion of the programs.
I’m still working to improve my (again: minimal) art skills. It’s a running item on my weekly to-do list, to complete at minimum 2 pencil sketches. The first three images are things I completed yesterday. I love them dearly.
I would like to reiterate that these are not original; I found art online and copied it for the practice. I did NOT create these on my own. I’m using a 0.9mm mechanical pencil and a small 5inx7in notebook with blank pages from Dollar General.
I feel like this year was fairly “meh” to be honest. I don’t recall much of importance happening.
The basic overview: I turned 25 and hit my 2-year anniversary at my current job, my 4-year anniversary working in the nonprofit sector, and my 6-year anniversary with my SO. I got promoted to a Supervisor position and became a Supervisor of a separate program associated with my job. I got my passport, started a retirement account at my job (separate from my individual Roth IRA account), and opened a money market account. I totaled a vehicle, although it wasn’t my fault. I got my wisdom teeth removed and I took a roadtrip to Las Vegas. I finished a basic How to Video Game Development course. Then I proceeded to enroll in a 200-Hour TEFL Certificate course, a 600-hour Video Game Development course, and college f/t.
Ongoing Projects:
greek fiction book• family restaurant fiction book• mechanic fiction book• clean-up crew fiction book• collector’s item fiction book• TT-inspired fiction book• strategist medieval fiction book• god-heavy medieval fiction book• modern magic fiction book• magic villain script/animated movie• chemicals nonfiction book• children’s book & theme song & season 1 script• party-inspired card game• book-inspired card game• strategy-inspired board game• big video game• horror video game• project app• picture website
Most-Watched Movies:
Note: These aren’t always movies that came out this year, but these are the movies that I watched the most.
•The Big Short• Nimona• Last Holiday (w/ Queen Latifah)• Bohemian Rhapsody• Spotlight• The Laundromat• Colombiana
Most-Played Video Games:
•Minecraft Dungeons•Mortal Kombat 11•Elden Ring•COD: MW 3• Elder Scrolls V: Skyrim• Middle-Earth: Shadow of War• State of Decay 2: Juggernaut Edition• Dying Light
kianamaiart
snowghoul
kaledo-art
germansingergirl
yousharknotpass
izzy806
theartofmadeline
dailybridgerton