Nice!

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...

I mean, if your primary trading partner is China or Russia, not the worst idea.

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.

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.

Not Geico or general imo. Conundrum probably has a better read on it. Chubb are solid.

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...

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...

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...

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...

Yep, same in seacoast NH pace-wise. Really sad people figured out it was a nice place to live. Monsters.

Fixed it for you.

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.

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...

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...

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...

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...

Audi Allroad (A6 version) or Merc E.

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...

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.

Disagree with 1. Him being an incompetent ass has nothing to do with potential other stuff.

Congrats! Though her shoes look like shit for mall walking.

This is predicated on the event being classified as a "disaster" which is subject to optics/politics. Not reliable IMO.

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...

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...

You're just describing sales.

I was mostly referring to the dumbasses out west building in wildfire zones or some of the newer developments in seasonal swamps.

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...

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...

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.

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...

I'll be passing through the area on Thursday if you're still hard up

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 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...

@rod - mafia, cyberthreats/hacking and corruption killed business in Russia, not any virtue stuff.

Right, it's not mediocre music largely popular because Jerry died?

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...

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...

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. Plenty of islamists have a bone to pick due to chechnya, Syria etc.
Not to mention Afghanistan.

I'm agreeing with a core shot post. Truly Elon makes everything possible.

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...

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...

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...

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...

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,...

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?

Oh and congrats singles!

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...

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...