Author: conniepurser
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🚕📘 《紐約 TLC 車牌 × 商業車險：新手完全指南》 TLC License in New York: What Drivers Must Know (Insurance, Rules, and Risks)
紐約 TLC 車牌是 Uber/Lyft 司機必備的商業車輛資格。本篇說明 TLC 的用途、保險要求、哪些不能做、哪些高風險。A clear intro to New York TLC license and commercial auto rules.
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🌨️《在紐約當房東，其實超危險：十個你不知道的真相》 10 Harsh Truths About Being a Landlord in New York
在紐約當房東真的很危險。本篇整理 10 個你不知道的真相，包括殘雪與鏟雪的法律責任、室內暖氣 68°F／62°F 的強制規定、跌倒（slip-and-fall）索賠、老人租客風險、政府福利（Section 8／Home Care）造成的隱形責任、311 投訴、Housing Court 裁罰、欠租難趕與房東義務。Full English included. Being a landlord in New York is extremely risky. This article reveals 10 real risks every NYC landlord must know: slip-and-fall liability, strict snow-removal rules, mandatory heat laws (68°F/62°F), senior-tenant risks, Section 8 and home-care complications, 311 complaints, Housing Court delays, and why…
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📍✏️ 住 RV 的家庭，小孩上學時「地址要怎麼填」？ 實際住址 vs 郵寄地址一次說清楚 How Should RV-Living Families Fill Out “Address” on School Forms? Physical vs Mailing Address Explained
住 RV 的家庭沒有固定住所，小孩上學時「地址」該怎麼寫？本篇以實例教你填法，並解釋學區不得要求租約和水電帳單。RV-living families often wonder how to fill out “address” when enrolling a child in school. This article explains physical vs mailing address with real examples.
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住 RV 的家庭，小孩可以上學嗎？🚌👧📚（McKinney-Vento 教育權一次說清楚）Can Kids Living in an RV Go to School? A Clear Guide to McKinney-Vento Rights
Excerpt（中） 住在 RV 並不會讓孩子失去上學資格，反而受到 McKinney-Vento 聯邦法保護。本文整理住 RV 家庭為孩子辦理入學的重點與實際步驟。Living in an RV does not take away a child’s right to attend school. Under McKinney-Vento, RV-living students are protected, not excluded. This article walks families through key rights and practical enrollment steps.
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🌋 極限運動保險一次看懂：旅行險哪些會拒賠？哪些能加買？ Adventure Sports Insurance: What Is Covered and What Gets Denied
極限運動保險全攻略：攀岩、跳傘、滑翔傘、潛水、漂流、Zipline、蹦極，哪些需要額外保險？旅行險會不會拒賠？This guide explains which extreme sports require special coverage so travelers don’t get denied claims.
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🔥 加州 ADU 違建 × 火災 × 保險不理賠：屋主與房東必看法律風險全解析 California ADU Illegal Construction, Fire Risks & Insurance Denial Guide
加州 ADU 很流行，但違建風險極高。若火災與漏水來自未許可工程，保險公司可能拒賠。This guide explains California ADU illegal construction risks, insurance denials, legal liabilities, and homeowner protections.
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🚭 加州公寓陽台抽菸：火災、HOA規範、保險責任全面解析 🚭 California Condo Balcony Smoking: Fire Risks, HOA Rules & Insurance Explained
加州陽台抽菸風險極高，許多 HOA 明文禁止。若導致火災，可能面臨民事賠償與保險拒賠。本文帶你全面了解法律、HOA、保險與責任分配。 Balcony smoking in California condos carries high fire risks. HOAs often ban it, and liability can be severe. Here’s a full breakdown of rules, insurance, and legal exposure.
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🔥 住宅防火 × 逃生指南：Apartment、Condo、獨立屋都適用 Home Fire Safety & Escape Guide for Apartments, Condos, and Houses
高樓火災最怕濃煙與延燒。本篇整理最實用的防火、逃生、家庭安全技巧——適用於Apartment、Condo、ADU與獨立屋。 Home Fire Safety & Escape Guide for Apartments, Condos, and Houses
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🪂 Skydiving 真正跳傘保險入門（CA・TX・FL・NY）｜極限運動 × Waiver × 醫療 × 責任 Skydiving Insurance Guide
Skydiving 是高風險運動，保險排除多。本篇教你：你需要哪些保險、跳傘常見意外、Waiver 的限制、四州差異，以及如何避免不賠風險。Skydiving is extreme—this guide explains required insurance, waiver limits, common injuries, and state rules.
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🌀 Indoor Skydiving 室內跳傘保險入門（CA・TX・FL・NY）｜風洞 × 意外 × Waiver × 保險完整指南 Indoor Skydiving Insurance Guide
Indoor Skydiving 是安全許多，但仍可能出現扭傷、墜落、風力撞擊。本篇教你：哪些保險會賠、哪些不賠、Waiver 的效力，以及四州規範。Indoor skydiving can still cause injuries—this guide explains coverage, limitations, waivers, and safety rules.
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🪂 Bungee Jump 高空彈跳保險入門（CA・TX・FL・NY）｜極限運動的風險、Waiver、責任與保險全解析 Bungee Jump Insurance Guide
Bungee Jump 是高風險冒險活動，許多保單不自動承保。本篇教你：需要哪些保險、Waiver 的限制、四州的安全規範，以及最常見的事故與不賠情況。Bungee jumping is high-risk—this guide explains required insurance, waiver limits, common injuries, and state differences.
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🪢 Zipline 高空滑索保險入門（CA・TX・FL・NY）｜從 Waiver 到責任險的完整指南 Zipline Insurance Guide (CA・TX・FL・NY)｜Waivers, Liability & What Insurance Pays
玩 Zipline 很刺激，但跌落、撞擊、裝備故障等意外時有發生。本篇教你：哪些保險會賠、哪些不賠、Waiver 的限制、四州規範差異。Zipline accidents happen—this guide explains what insurance pays, what doesn’t, waiver limits, and key rules by state.