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05-11-2024, 08:13 PM
Thread: Climbing Stoke
by schuss- Replies
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- 344,242
Nice!
Nice!
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05-10-2024, 01:29 PM
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- 2,391
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Yeah, I'm with everyone else - it was only when...
Yeah, I'm with everyone else - it was only when both my kids were into public school age that I finally got somewhat "normal" time back for myself. Even then, it's a balance as my wife's objectives...
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05-08-2024, 06:21 PM
Thread: Is the stock market going to tank?
by schuss- Replies
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- 1,959,353
I mean, if your primary trading partner is China...
I mean, if your primary trading partner is China or Russia, not the worst idea.
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05-08-2024, 06:29 AM
Thread: Is the stock market going to tank?
by schuss- Replies
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- 1,959,353
Most of the budget hole is from GW and Trump tax...
Most of the budget hole is from GW and Trump tax changes. Change those back and we'd be in fine shape. As a reminder, as GW entered office there was a surplus.
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05-07-2024, 07:03 AM
Thread: Real Estate Crash thread
by schuss- Replies
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State farm is massive and has massive capital...
State farm is massive and has massive capital reserves. They have to figure shit out, but it's a few years at a minimum before they really need to worry.
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05-07-2024, 05:24 AM
Thread: Real Estate Crash thread
by schuss- Replies
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Not Geico or general imo. Conundrum probably has...
Not Geico or general imo. Conundrum probably has a better read on it. Chubb are solid.
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05-06-2024, 04:26 PM
Thread: Real Estate Crash thread
by schuss- Replies
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Oh yeah, damage payment structure and rules is a...
Oh yeah, damage payment structure and rules is a whole ball of wax and there's a reason those in the industry say pick a good insurer. Not to mention how much adjusting is farmed out to contract...
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05-06-2024, 12:01 PM
Thread: Real Estate Crash thread
by schuss- Replies
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- 3,106,057
We should 100% not be subsidizing anyone's...
We should 100% not be subsidizing anyone's insurance premiums unless it's tied to other things, like trying to vacate an area experiencing a stepfold change in flooding or something, as that's how we...
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05-06-2024, 11:46 AM
Thread: Real Estate Crash thread
by schuss- Replies
- 27,240
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it's socialized to provide appropriate...
it's socialized to provide appropriate indemnification. Let's take some common concepts:
1. "I paid in x over the years" - if you have a loss in year 1, should you only be entitled to premium... -
05-06-2024, 09:47 AM
Thread: Real Estate Crash thread
by schuss- Replies
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Insurance is socialized as a construct. They...
Insurance is socialized as a construct. They aren't pricing themselves out of business, they're pricing risk. If you want to blow a massive hole in the fed budget, that's what getting involved would...
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04-30-2024, 02:20 PM
Thread: Real Estate Crash thread
by schuss- Replies
- 27,240
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- 3,106,057
Yep, same in seacoast NH pace-wise. Really sad...
Yep, same in seacoast NH pace-wise. Really sad people figured out it was a nice place to live. Monsters.
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04-29-2024, 01:31 PM
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- 19
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- 2,746
Fixed it for you.
Fixed it for you.
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04-28-2024, 09:50 AM
Thread: Climbing Stoke
by schuss- Replies
- 1,261
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- 344,242
If it had been a group doing a top rope party and...
If it had been a group doing a top rope party and relaxing, I'd be less judgemental, but when you're the only one slamming them back at 11 am you've got a problem.
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04-27-2024, 02:18 PM
Thread: Climbing Stoke
by schuss- Replies
- 1,261
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- 344,242
Great day out at Rumney, though quite packed by...
Great day out at Rumney, though quite packed by lunchtime when we took off. At 50% or so due to having a death cold the past week, but great to get out. Sent a pile of new moderates, but great times...
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04-27-2024, 01:00 PM
Thread: Wagon Stoke
by schuss- Replies
- 7,322
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- 886,440
Yeah, base engine in an outback is a user error...
Yeah, base engine in an outback is a user error thing as it's only for those that like to putter. I've never had an issue with the turbo cvt, there's a mild delay when you stomp it, but no worse than...
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04-26-2024, 03:13 PM
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- 8,387
Size is largely a function of the vehicle vs. a...
Size is largely a function of the vehicle vs. a raw thing. A Land Cruiser on 37's, for example, isn't that much bigger than stock (which is 32 or so). For desert terrain it's more about width anyhow...
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04-26-2024, 12:35 PM
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- 8,387
Big tires are great for sand/rock as you can...
Big tires are great for sand/rock as you can lower the air pressure and basically go anywhere, not to mention the toughened sidewalls for cactus/sharp rocks. Full size spares are great, but what's...
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04-26-2024, 10:27 AM
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- 202
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- 8,387
Audi Allroad (A6 version) or Merc E.
Audi Allroad (A6 version) or Merc E.
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04-26-2024, 10:26 AM
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- 202
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- 8,387
Van. AWD vans are prized. "Great Price" on...
Van. AWD vans are prized. "Great Price" on autotrader for an AWD Sienna with less than 60k is 27k. For a 2015. New starts at 41k for the stripper model. Unfortunately people have figured out that...
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04-25-2024, 11:25 AM
Thread: Worst & Best Airports
by schuss- Replies
- 1,199
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- 78,164
Logan, then jump in the car if you want to avoid...
Logan, then jump in the car if you want to avoid connections. Providence also works and will be lower traffic, but you're definitely connecting.
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04-19-2024, 07:50 AM
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- 6,449
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- 600,017
Disagree with 1. Him being an incompetent ass has...
Disagree with 1. Him being an incompetent ass has nothing to do with potential other stuff.
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04-17-2024, 11:43 AM
Thread: Hey Maine/NE mags, what's up?
by schuss- Replies
- 86
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- 4,323
Congrats! Though her shoes look like shit for...
Congrats! Though her shoes look like shit for mall walking.
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04-17-2024, 11:41 AM
Thread: Real Estate Crash thread
by schuss- Replies
- 27,240
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- 3,106,057
This is predicated on the event being classified...
This is predicated on the event being classified as a "disaster" which is subject to optics/politics. Not reliable IMO.
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04-17-2024, 07:25 AM
Thread: Real Estate Crash thread
by schuss- Replies
- 27,240
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- 3,106,057
I most cases it's the industry that takes the hit...
I most cases it's the industry that takes the hit as insurance companies are subject to very strict reserve and fiduciary requirements, so if an insurer starts to fail in a state, the state will take...
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04-16-2024, 06:57 PM
Thread: Real Estate Crash thread
by schuss- Replies
- 27,240
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- 3,106,057
Welcome to state regulation. Some states mandate...
Welcome to state regulation. Some states mandate pricing only use historical and not projected data. Getting rate approved for the US involves fed+50 states separately, all with varying rules. It's...
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04-16-2024, 05:19 PM
Thread: Real Estate Crash thread
by schuss- Replies
- 27,240
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- 3,106,057
You're just describing sales.
You're just describing sales.
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04-16-2024, 04:17 PM
Thread: Real Estate Crash thread
by schuss- Replies
- 27,240
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- 3,106,057
I was mostly referring to the dumbasses out west...
I was mostly referring to the dumbasses out west building in wildfire zones or some of the newer developments in seasonal swamps.
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04-16-2024, 04:06 PM
Thread: Real Estate Crash thread
by schuss- Replies
- 27,240
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- 3,106,057
There's this thing called climate change making...
There's this thing called climate change making yearly risk escalate. Being there for 50 years doesn't mean it can't get wiped out next year.
Geico cut by nearly 500 mil, marketing budgets are the... -
04-16-2024, 03:49 PM
Thread: Real Estate Crash thread
by schuss- Replies
- 27,240
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- 3,106,057
I mean, exec comp is out of control everywhere...
I mean, exec comp is out of control everywhere but most took 20-30% paycuts last year as those are prior ones. As far as layoffs - yep, why I said it was grim, lost some friends in the last one and...
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04-16-2024, 01:55 PM
Thread: Real Estate Crash thread
by schuss- Replies
- 27,240
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- 3,106,057
Old fucks and not understanding complex problems,...
Old fucks and not understanding complex problems, name a more timeless combo. Right, I'm sure it's the marketing spend everyone already pulled back on. Sure.
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04-16-2024, 01:43 PM
Thread: Real Estate Crash thread
by schuss- Replies
- 27,240
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- 3,106,057
Turns out inflation of construction labor, car...
Turns out inflation of construction labor, car prices and materials impact price of products that use those, weird.
As someone that works in insurance, pretty grim outlook given many states won't... -
04-15-2024, 05:25 PM
Thread: Hey Maine/NE mags, what's up?
by schuss- Replies
- 86
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- 4,323
I'll be passing through the area on Thursday if...
I'll be passing through the area on Thursday if you're still hard up
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No, they likely left because compliance with...
No, they likely left because compliance with sanctions and money/materials flow would have gotten stupid complex and unprofitable. Not to mention the intangible hit to brand.
Unless it's a major CEO... -
Having worked in a company with a Russian...
Having worked in a company with a Russian subsidiary (before selling it) as well as having known family friends who were among the first into Russia for business (anecdata, but pretty proven out) as...
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@rod - mafia, cyberthreats/hacking and corruption...
@rod - mafia, cyberthreats/hacking and corruption killed business in Russia, not any virtue stuff.
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04-05-2024, 11:18 AM
Thread: AI is your new master ....
by schuss- Replies
- 258
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- 18,647
Right, it's not mediocre music largely popular...
Right, it's not mediocre music largely popular because Jerry died?
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03-28-2024, 01:38 PM
Thread: Real Estate Crash thread
by schuss- Replies
- 27,240
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- 3,106,057
Because it's easier to shrink than to go through...
Because it's easier to shrink than to go through CA rate processes. Any increase over 7% can be forced to a trial to justify it by any party, even if the department of insurance doesn't agree. This...
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03-25-2024, 08:04 AM
Thread: The Midlife Club
by schuss- Replies
- 116
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- 7,556
Early 40's, actually loving things now that the...
Early 40's, actually loving things now that the kids are out of the super young stage. Sucking at a bunch of stuff, but getting back into good shape and doing fun things with everyone.
I think it... -
03-25-2024, 07:07 AM
Thread: Mega jillions
by schuss- Replies
- 3,237
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- 141,251
In. Also gave 2 for buttah so he can get...
In.
Also gave 2 for buttah so he can get butthurt when we tip dan -
I mean, US even warned Putin and Co of chatter....
I mean, US even warned Putin and Co of chatter. Plenty of islamists have a bone to pick due to chechnya, Syria etc.
Not to mention Afghanistan. -
03-21-2024, 06:00 PM
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I'm agreeing with a core shot post. Truly Elon...
I'm agreeing with a core shot post. Truly Elon makes everything possible.
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03-21-2024, 12:38 PM
Thread: Real Estate Crash thread
by schuss- Replies
- 27,240
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- 3,106,057
Yeah, ours walked us through everything they were...
Yeah, ours walked us through everything they were doing and why, as well as which things we should continue to check vs. are fine as a one time. Only time he warned us off was climbing into the attic...
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03-19-2024, 07:17 AM
Thread: AI is your new master ....
by schuss- Replies
- 258
- Views
- 18,647
Man, Lex needs to get Elon's dick out of his...
Man, Lex needs to get Elon's dick out of his mouth. Sam with the expert polite shade on Elon.
"It will require collaboration, he's not known for that"
As someone with more than passing knowledge... -
03-18-2024, 12:23 PM
Thread: AI is your new master ....
by schuss- Replies
- 258
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- 18,647
This is logistically impossible above a certain...
This is logistically impossible above a certain size. As an example - average meeting for some functions for me involve one guy from europe, one from the midwest, me in new england, then 2 other...
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03-18-2024, 12:00 PM
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- 2,391
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- 189,568
Beginner areas are usually wide and solid on that...
Beginner areas are usually wide and solid on that front. I spend a lot of time a bit behind my son running interference so he doesn't have to worry about people coming from the back and flattening...
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03-18-2024, 06:10 AM
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- 620
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- 44,130
Don't let the brain spiders push you into a...
Don't let the brain spiders push you into a permanent solution to any number of challenges that are temporary in nature. The abyss, the despair - I get it. Even my wife is only now, after 10 years,...
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03-15-2024, 05:53 PM
Thread: Your TAXES
by schuss- Replies
- 343
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- 20,076
So in other words you're enjoying the tax cuts...
So in other words you're enjoying the tax cuts and jobs act that raised taxes on the non rich over time while making cuts for the rich immediate and permanent?
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03-12-2024, 05:54 PM
- Replies
- 2,391
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- 189,568
Oh and congrats singles!
Oh and congrats singles!
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03-12-2024, 05:53 PM
- Replies
- 2,391
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- 189,568
That is so awesome bmills. My son doesn't accept...
That is so awesome bmills. My son doesn't accept much instruction from me, but I shared a lesson from Rick Greener at gordycamp: "there's no such thing as skiing too aggressively" and he actually...
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03-05-2024, 08:47 AM
Thread: Home Remodel: Do, Don'ts, Advice
by schuss- Replies
- 9,663
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- 1,254,154
That's really true, as doing stuff with tractors...
That's really true, as doing stuff with tractors is super fun, so just make friends with someone that can drive their tractor (as most don't own something that can trailer it) to your place and...
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