Good point. Haven't seen insurance companies feather brakes on those yet but have seen requirements for auto leak detectors.

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.

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...

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...

FEMA?

https://www.fema.gov/fact-sheet/individuals-and-households-program

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...

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.

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...

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...

Ha! The dinners do get old. Would rather grill and have beer after a bike ride but duty calls.

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...

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...

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...

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?

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...

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...

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. ...

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...

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...

Isn’t gofundme ski bum disability insurance?

Yes, turbo tax has prior returns. Good luck with the meth.

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 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...

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.

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...

Maybe there needs to be a third thread discussing tact and class. Or lack of.

You could also have your accountant set up quarterly pre payments.

So it was a crime of jealousy.

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.

How does it do with ski town sixes?

Free bump.

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...

Have to used advanced and edit post feature no longer works. Logged in through Chrome.

Also having trouble posting so this is basically a test. Didn't work. Now trying advanced.

Fast shipping and shirt seems like great quality. For sizing, I’m 6’, 220 and large is good.

I heard she's into malakas.

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.

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...

A local married one of them and moved back to the family biz. Not sure what happened to the other.

My apologies. I edited.

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...

No blow torch. Solder iron on the bolt.

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...

Bummer.

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...

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...

And tunnels will be cheaper. There's a bigger picture here.

People seemed to be cheaper back then.

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".

Should be easier for a good buyer realtor to negotiate an equitable value based fee doing all those things you listed.

Hey, maybe buyers will be willing to negotiate an equitable fee directly with you when they see your value and then be fairly represented.