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Yesterday, 11:56 AM
Thread: Real Estate Crash thread
by Conundrum- Replies
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- 3,053,312
Good point. Haven't seen insurance companies...
Good point. Haven't seen insurance companies feather brakes on those yet but have seen requirements for auto leak detectors.
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Yesterday, 11:43 AM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
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- 3,053,312
Agreed. Just saying the government is already...
Agreed. Just saying the government is already stepping in where the private markets are not and private property now becomes a tax payer burden. We'll see more of it unless the weather calms down.
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Yesterday, 10:24 AM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
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- 3,053,312
Good company when the cycle is good. Their...
Good company when the cycle is good. Their performance will be regional and if I were you, I'd ride it as long as they let you. Here is some info that supports some of my trepidation with certain...
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Yesterday, 09:35 AM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
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- 3,053,312
I agree with you-you should absolutely be treated...
I agree with you-you should absolutely be treated better. The industry I'm in has a deservedly bad rep on the sales side. I do hope there are some of us that show up and provide value. Plus making...
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Yesterday, 08:18 AM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
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- 3,053,312
FEMA? ...
FEMA?
https://www.fema.gov/fact-sheet/individuals-and-households-program -
04-16-2024, 10:47 PM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
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- 3,053,312
I know a bit about insurance but not a ton in...
I know a bit about insurance but not a ton in real estate. I would think that a lot of the problem will lie on the supply side. Much of the high risk property is either old and the land is...
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04-16-2024, 09:34 PM
Thread: Why all the Caroline Gleich hate?
by Conundrum- Replies
- 1,176
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- 182,401
I don't get to vote in UT but it's refreshing to...
I don't get to vote in UT but it's refreshing to see someone not related to politics stepping in to face off with the pasties who grew up in government standing on a platform she believes in.
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04-16-2024, 09:06 PM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
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- 3,053,312
I probably sound like an insurance schill and if...
I probably sound like an insurance schill and if that's your take, I get it.
Looking at the bigger picture, about 15-20 years ago private equity money flew to the insurance world. Those folks... -
04-16-2024, 08:36 PM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
- Views
- 3,053,312
Thanks. I guess the term "finance it" is...
Thanks. I guess the term "finance it" is nuanced. If it were a true transfer, there wouldn't be a profit margin the insurance companies build in. I guess call it a transfer fee.
I do think a... -
04-16-2024, 05:20 PM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
- Views
- 3,053,312
Ha! The dinners do get old. Would rather grill...
Ha! The dinners do get old. Would rather grill and have beer after a bike ride but duty calls.
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04-16-2024, 04:15 PM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
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- 3,053,312
Many of those buildings have galvanized pipes...
Many of those buildings have galvanized pipes with a lifespan of 50-100 years if not replaced. Insurance is to hedge against uncertainty and unknown risk. If it's predictable, more insurance...
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04-16-2024, 03:37 PM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
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- 3,053,312
Not carrying water. Giving my personal view of...
Not carrying water. Giving my personal view of the industry and being real (I agree that it's a bad look and shouldn't happen) that CEOs at that level may be asked to "retire early" but their...
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04-16-2024, 02:52 PM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
- Views
- 3,053,312
Largest home builder CEO makes about $15m a year,...
Largest home builder CEO makes about $15m a year, largest hospital system CEO at about $15m and largest auto manufacturer CEO makes about $29m. It's easy to place blame on exec comp but maybe some...
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04-16-2024, 02:12 PM
Thread: Hey White Folks…
by Conundrum- Replies
- 18
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- 959
Any chance you are open for some Q&A? If so,...
Any chance you are open for some Q&A?
If so, did you play any role in Ford discontinuing the Bronco and a couple years later debuting the Escape? -
04-16-2024, 02:06 PM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
- Views
- 3,053,312
Schuss, you hear about the Nationwide layoffs and...
Schuss, you hear about the Nationwide layoffs and moratoriums/non-renewals? Seems like a bit more than marketing budgets. The rest of you, remember the Nationwide is on your side jingle? Well not...
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04-16-2024, 01:59 PM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
- Views
- 3,053,312
How old are the condos and what updates have been...
How old are the condos and what updates have been done? Condo owners hate assessments for property improvements especially when it's not for something cool like a pickleball court or pool. So, a...
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04-16-2024, 11:36 AM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
- Views
- 3,053,312
The idea of insurance is to finance risk and...
The idea of insurance is to finance risk and spread the cost over a larger group. The risk drives the cost unless you want it to be a gov controlled social program. Affordability is all relative. ...
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04-16-2024, 09:29 AM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
- Views
- 3,053,312
Too lazy to find a better one? They’re out...
Too lazy to find a better one?
They’re out there. That’s about $3-4k agency revenue. If your agent is independent, they’re somewhere between 30-50% overhead. If they’re working for one of the... -
04-16-2024, 08:59 AM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
- Views
- 3,053,312
You say probably have enough to handle most...
You say probably have enough to handle most calamities…have you actually ran your numbers?
My number for policies for my home, auto and umbrella because they also cover liability if I hurt someone... -
04-16-2024, 08:31 AM
- Replies
- 162
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- 10,548
Isn’t gofundme ski bum disability insurance?
Isn’t gofundme ski bum disability insurance?
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04-15-2024, 04:29 PM
Thread: Your TAXES
by Conundrum- Replies
- 333
- Views
- 17,914
Yes, turbo tax has prior returns. Good luck with...
Yes, turbo tax has prior returns. Good luck with the meth.
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04-15-2024, 03:21 PM
Thread: FS: Line Sakana 181
by Conundrum- Replies
- 0
- Views
- 294
FS: Line Sakana 181
Can't post pics now... but it's this vintage. https://www.skitalk.com/data/forumcube/products/02f2631410f4ef4847e72ed6f0ed9b2ajpg
181, drilled once for P15s at 315 bsl at recommended. Top sheets... -
I like watching the golf but don’t stay for the...
I like watching the golf but don’t stay for the presser. Problem solved. I don’t hang out with Scotty but maybe you do and are worried about where his life is heading with his beliefs and all. Have...
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04-15-2024, 08:55 AM
Thread: Your TAXES
by Conundrum- Replies
- 333
- Views
- 17,914
Between this and the what is too much risk...
Between this and the what is too much risk thread, looks like we’re proving the old adage of three certainties in life, death, taxes and arguing in circles on the web.
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04-13-2024, 11:50 AM
Thread: Your TAXES
by Conundrum- Replies
- 333
- Views
- 17,914
I do think ‘23 was a funky year. Our CPA had us...
I do think ‘23 was a funky year. Our CPA had us do quarterlies last year thinking we’d break even. Got a fat check back. Then already wrote a fatter check back to the feds for some stuff vesting. Not...
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04-13-2024, 08:49 AM
- Replies
- 162
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- 10,548
Maybe there needs to be a third thread discussing...
Maybe there needs to be a third thread discussing tact and class. Or lack of.
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04-12-2024, 01:38 PM
Thread: Your TAXES
by Conundrum- Replies
- 333
- Views
- 17,914
You could also have your accountant set up...
You could also have your accountant set up quarterly pre payments.
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04-11-2024, 08:16 PM
Thread: Nordberg is dead
by Conundrum- Replies
- 59
- Views
- 3,191
So it was a crime of jealousy.
So it was a crime of jealousy.
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04-11-2024, 02:39 PM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
- Views
- 3,053,312
The more you look under the covers, the more you...
The more you look under the covers, the more you will think this. Remember that most insurance companies are for profit. It’s not socialism.
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04-11-2024, 08:27 AM
Thread: Hippy shack
by Conundrum- Replies
- 6
- Views
- 924
How does it do with ski town sixes? Free bump.
How does it do with ski town sixes?
Free bump. -
04-10-2024, 09:24 PM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
- Views
- 3,053,312
I guess if you need to buy it, it sucks. But so...
I guess if you need to buy it, it sucks. But so does a lender requiring protection right? If you want to self insure, you might want the resources available if something goes south. Insurance...
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04-10-2024, 09:46 AM
Thread: HEY MODS…WHAT THE FetyF ARE YOU DOING?
by Conundrum- Replies
- 152
- Views
- 7,783
Have to used advanced and edit post feature no...
Have to used advanced and edit post feature no longer works. Logged in through Chrome.
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04-10-2024, 09:45 AM
Thread: HEY MODS…WHAT THE FetyF ARE YOU DOING?
by Conundrum- Replies
- 152
- Views
- 7,783
Also having trouble posting so this is basically...
Also having trouble posting so this is basically a test. Didn't work. Now trying advanced.
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04-08-2024, 03:25 PM
Thread: Swirlo - A Maggot Golf Apparel Brand
by Conundrum- Replies
- 76
- Views
- 3,399
Fast shipping and shirt seems like great quality....
Fast shipping and shirt seems like great quality. For sizing, I’m 6’, 220 and large is good.
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04-02-2024, 11:12 AM
Thread: More Teacher/Student Sex
by Conundrum- Replies
- 820
- Views
- 153,098
I heard she's into malakas.
I heard she's into malakas.
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04-01-2024, 09:02 PM
Thread: More Teacher/Student Sex
by Conundrum- Replies
- 820
- Views
- 153,098
I wonder if she lost any sleep over her parenting...
I wonder if she lost any sleep over her parenting skills. If people don't want their little bottles of raging hormones sticking their wieners in stuff, they should try parenting more.
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04-01-2024, 08:38 PM
- Replies
- 119
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- 6,351
Those are a problem in that the FDA approved them...
Those are a problem in that the FDA approved them and a couple of years into use, they're "finding out" a second treatment might be necessary. I think Italy has it right-they do checks at intervals...
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04-01-2024, 08:35 PM
Thread: The finest bourbon I have tasted. Yet.
by Conundrum- Replies
- 1,932
- Views
- 269,134
A local married one of them and moved back to the...
A local married one of them and moved back to the family biz. Not sure what happened to the other.
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04-01-2024, 01:57 PM
- Replies
- 119
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- 6,351
My apologies. I edited.
My apologies. I edited.
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04-01-2024, 01:38 PM
- Replies
- 119
- Views
- 6,351
I was only talking about lifetime max as a...
I was only talking about lifetime max as a discussion point. We could have a broader discussion on the 80/20 rule but if it created collusion, those would be extremely isolated instances. What you...
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03-31-2024, 05:44 PM
- Replies
- 6,152
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- 1,155,159
No blow torch. Solder iron on the bolt.
No blow torch. Solder iron on the bolt.
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03-31-2024, 02:09 PM
- Replies
- 119
- Views
- 6,351
Something that isn’t discussed much is the...
Something that isn’t discussed much is the removal of lifetime maximums with ACA. Prior to ACA, once an insurer paid out $1m for a person, they were done paying for that person forever. Then there...
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03-31-2024, 11:14 AM
- Replies
- 119
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- 6,351
Bummer.
Bummer.
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03-31-2024, 08:36 AM
- Replies
- 119
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- 6,351
Not saying your out of pocket premium didn’t...
Not saying your out of pocket premium didn’t change. Saying that on top of about a national 8-9% trend increase for base cost, employers are backing off their share in a lot of cases as part of the...
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03-31-2024, 08:32 AM
- Replies
- 119
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- 6,351
Did the base premium actually increase that much...
Did the base premium actually increase that much of did your employer back off their contributions or did you change jobs? A family plan without employers contributions or subsidies has been no...
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03-29-2024, 11:12 AM
Thread: Francis Scott Key Bridge collapse
by Conundrum- Replies
- 210
- Views
- 10,799
And tunnels will be cheaper. There's a bigger...
And tunnels will be cheaper. There's a bigger picture here.
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03-29-2024, 10:57 AM
Thread: Francis Scott Key Bridge collapse
by Conundrum- Replies
- 210
- Views
- 10,799
People seemed to be cheaper back then.
People seemed to be cheaper back then.
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03-20-2024, 11:33 PM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
- Views
- 3,053,312
Maybe they don't need to stretch their budget so...
Maybe they don't need to stretch their budget so they can afford their realtor. Sounds like something a realtorTM might say..."You can afford it, if you can finance it".
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03-20-2024, 07:47 PM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
- Views
- 3,053,312
Should be easier for a good buyer realtor to...
Should be easier for a good buyer realtor to negotiate an equitable value based fee doing all those things you listed.
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03-20-2024, 05:57 PM
Thread: Real Estate Crash thread
by Conundrum- Replies
- 27,075
- Views
- 3,053,312
Hey, maybe buyers will be willing to negotiate an...
Hey, maybe buyers will be willing to negotiate an equitable fee directly with you when they see your value and then be fairly represented.
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