More sugar than tea.
The traditional bubble tea (as in, what’s most popular in Taiwan), is milk tea. There’s certainly a hint of tea, but I say it’s quite different, especially with the amount of sugar added.
The Americanized bubble tea seems to be all kinds of weird fruit teas.
They’d all taste like tea…or not like tea, depending on the amount of milk and sugar that go into it.
A tea that doesn’t taste like the traditional tea flavor would probably be pu-erh, but you’d have to go to an authentic bubble tea place to even have that option.
My FIL was backing out of the garage and scraped a wall and his bumper fell off. Is he better of paying out of pocket (~2k) for repairs or going through insurance? He also wants to know if they raise his rates can he switch to a different provider who would then offer him lower rates?
I’m just a dumb SOA actuary and don’t know anything about P&C, plus I’m a good driver and haven’t had to deal with car insurance claims before 
Wasn’t there a thread for actuaries in the news or in media? I can’t seem to find it.
He would probably be stuck paying the higher premium for a portion of the time, but can probably weasel out of some of it with a carefully timed switching of insurers.
I did this a while ago when I had a speeding ticket. I think it was roughly as follows:
Ticket = high premium for two years
Policy renews each June
Insurer checks for tickets each April for upcoming policy renewal.
April Year 1 - insurer pulls my [clean] driving record
May Year 1 - speeding ticket
June Year 1 - policy renews at low premium because the 2-month-old driving record they pulled has no ticket on it
April Year 2 - insurer pulls driving record & sees ticket
June Year 2 - policy renews at higher premium due to ticket
April Year 3 - insurer pulls driving record… nothing new since the last time they pulled it.
May Year 3 - I call insurer asking them to reduce my premium (both for the remainder of the policy year and the upcoming renewal) since it’s now been two years since my speeding ticket. They refuse and say I still have 13 months to go of paying high premium since I’ve only been paying the high premium for 11 months. I call another insurer. Since I haven’t had any tix in the last two years I get a great rate. Switch insurers.
So I was supposed to pay high premium for 24 months and only actually paid it for 11 months.
Note that I really lucked out in that my ticket was optimally timed to allow me the minimum amount of time stuck at the high premium.
If I’d gotten a ticket in March instead of May my trick would have only knocked 2 months off of the time I was stuck paying high premium instead of 13.
That was just pure dumb luck.
Definitely interesting about the ticket. Will have to keep that one in my back pocket if ever I need it.
With the advent of better tech, insurers may check more frequently now and/or have a shorter timeframe from when they check until the policy renews. But I think this would shrink, not eliminate, the number of months you can weasel out of higher premium.
My thing happened in the late 1990’s.
And actually now that I think about it, I think there was a third factor at play: the lag from the date of the ticket until it was reported in rhe database that the insurer pulled from.
But my timeline is roughly accurate regardless.
Great question! I wonder where that thread is…
Why is it people think dinosaurs aren’t as cool if they had feathers?
I bet if they had feathers in the original Jurassic Park they’d still be just as scary, it’s just tough to not imagine an ostrich
What do youngsters carry in their backpacks when roaming around town?
Just saw a bunch of kids on bikes outside the italian ice place. They all had backpacks. What do they need to schlep around?
I see this all over the place–youngsters with backpacks. Ages from like 10 or 11 up to young grownups.
drugs
I carry a backpack now rather than a shoulder bag. My physical therapist said I should switch to backpacks. It’s better for my posture. Although, it’s a small backpack. It’s cute.
Then I noticed while looking around that backpacks are kinda cool right now. Didn’t know. I had an old lady reason.
You are a chick. Then need to carry more stuff than guys. What does a 14 yr-old boy need one for? What’s he carrying? Cell phone and wallet. What else.
text books?
I doubt that. Not summertime at noon.
Peanut butter sandwich?