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Maderan
| Favorite team: | LSU  |
| Location: | |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 881 |
| Registered on: | 2/1/2005 |
| Online Status: | Not Online |
Recent Posts
Message
re: USAA Home Owners Insurance
Posted by Maderan on 7/21/26 at 10:15 am to parrothead
They are way better than other insurers. Have had them for over 20 years. Rates are better than anyone else where we but I really like the service.
I legitimately feel like they have my back on protecting my property. Every claims experience has been great.
When we evacuated for Ida, they covered our living expenses without a declared state of emergency. I think only Allstate also voluntarily did this. It was also simple to get covered and there was not a daily limit on reimbursement. We rented a house on 30A to evacuate to and they covered it entirely, without question.
I legitimately feel like they have my back on protecting my property. Every claims experience has been great.
When we evacuated for Ida, they covered our living expenses without a declared state of emergency. I think only Allstate also voluntarily did this. It was also simple to get covered and there was not a daily limit on reimbursement. We rented a house on 30A to evacuate to and they covered it entirely, without question.
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quote:
For our personal situation: I'm almost 38. Went from ~500k/year income to 1m+ the past couple of years. We only spend about 10k/month. We have vacation homes, but they are paid for by renters. The rest of our income basically goes to investments.
That's very impressive from a spending standpoint. Hard to not let your spending creep up with that level of income. Easy to upgrade houses and cars etc.
re: What are the top 5 best fraternities at LSU and the top 5 best sororities
Posted by Maderan on 7/17/26 at 3:47 pm to Everyday Is Saturday
Right now I think the top fraternities are Kappa Sig, Sigma Chi, Sigma Nu.
Tiger head from helmets, not really close IMO. Toonces is universally derided for a reason.
It was pretty good.
The filming is a technical achievement. Each episode is one continuous shot with no cuts or editing. If anyone screwed up they had to re-shoot the entire episode. One of them had to be re-shot 16 times.
The filming is a technical achievement. Each episode is one continuous shot with no cuts or editing. If anyone screwed up they had to re-shoot the entire episode. One of them had to be re-shot 16 times.
re: This “Correction” is mild so far - Facts Listed
Posted by Maderan on 3/27/26 at 2:34 pm to cadillacattack
10% peak to trough move is a correction.
Goldring is pretty low key. Always see him walking in the neighborhood, drives a mid to low model Mercedes sedan, lives in a nice house but it is not anywhere close to the biggest in the neighborhood. Seems to have his head on pretty straight.
re: Internet groups shutting down
Posted by Maderan on 2/22/26 at 10:20 pm to FrancisCostello
I think that they are dying off due to no supply of new members from web searching.
When Google eliminated forum results from searches and then eliminated forum search in general it killed a lot what was driving user growth.
When Google eliminated forum results from searches and then eliminated forum search in general it killed a lot what was driving user growth.
Happiness is not determined by how much you make.
There is a tipping point though where income goes up enough to make you pretty comfortable if you are not expanding expenses. Probably in the 175k to 200k range.
Once you get past that you start changing your house/cars/lifestyle too much and things get tight again.
My expenses are super high and if I told you that side of the story you would think I was insane. But we save more than 50% of what we make and I don't feel the need to cut expenses just so I can save a bit more each month.
There is a tipping point though where income goes up enough to make you pretty comfortable if you are not expanding expenses. Probably in the 175k to 200k range.
Once you get past that you start changing your house/cars/lifestyle too much and things get tight again.
My expenses are super high and if I told you that side of the story you would think I was insane. But we save more than 50% of what we make and I don't feel the need to cut expenses just so I can save a bit more each month.
We have one, a 2023 GV 80. Great car, amazing interior, better technology than BWM and Mercedes, looks great, no issues.
Nothing bad to say unless you are badge conscious.
Nothing bad to say unless you are badge conscious.
Wow, how many of these are Disney movies? Seems like a good bit.
Yes, seems like the ones being framed in OM and Lakeview are at a standstill.
One being built across the street hasn't had any workers since ICE arrived. I would be pissed if I was the owner.
One being built across the street hasn't had any workers since ICE arrived. I would be pissed if I was the owner.
Have the 2023 gv80. No issues. Great looking vehicle, comfortable ride, great technology. Looked at the same ones as you.
quote:
There was also some late west coast game that had to go our way to give us a few bcs points
Pretty sure it was Hawaii.
re: Sideline Passes In Game
Posted by Maderan on 11/5/25 at 11:54 am to SaveFarris
Thanks, In Game field passes are listed as an Oaks member benefit at certain tier levels.
Does anyone know where the Oaks sideline pass holders are restricted to in game?
Sideline Passes In Game
Posted by Maderan on 11/5/25 at 11:02 am
Anyone who has been to a game with the on field in game passes, how is the experience? Where are you limited to going?
Not talking about pregame.
Not talking about pregame.
re: More PE funds than McDonald's
Posted by Maderan on 11/5/25 at 9:28 am to lsuconnman
That is a ton and it's because everyone wants to sit at the table and make partner level income so they start their own firm.
We do need quite a few to keep the engine running though. PE in general is built on rolling up. Smaller PE firms buy smaller companies, grow them through putting a few in the same industry together/streamlining and then need a larger PE firm to come and and buy them. Keeps moving upmarket until you reach the big boys at the top who are not even looking at the portfolio companies the small PE firms are buying.
PE firm consolidation is a natural evolution of the game they are playing.
We do need quite a few to keep the engine running though. PE in general is built on rolling up. Smaller PE firms buy smaller companies, grow them through putting a few in the same industry together/streamlining and then need a larger PE firm to come and and buy them. Keeps moving upmarket until you reach the big boys at the top who are not even looking at the portfolio companies the small PE firms are buying.
PE firm consolidation is a natural evolution of the game they are playing.
No, as most insurance products are sold like its magic that comes with a guarantee. He certainly didn't go to them and say I want to "arrange a "sure thing" tax advantaged income stream well in excess of market performance with zero risk".
His job was driving cars and he had to rely on trusted advisors to vet these types of things. Turns out the folks he was relying on weren't really looking out for him. Most sophisticated investors can't decipher what is going on in those policies or how they work.
Insurance has its place and can be a tool for the right situation.
His job was driving cars and he had to rely on trusted advisors to vet these types of things. Turns out the folks he was relying on weren't really looking out for him. Most sophisticated investors can't decipher what is going on in those policies or how they work.
Insurance has its place and can be a tool for the right situation.
re: Kyle Busch loses $10.4m on IUL policies
Posted by Maderan on 11/4/25 at 10:32 am to NewIberiaHaircut
Thanks, saving this article for when my clients ask about insurance...most insurance sales people are only there to help one person, themselves.
re: High Earners Age 50 and Older Are About to Lose a Major 401(k) Tax Break
Posted by Maderan on 9/24/25 at 9:13 am to Mingo Was His NameO
quote:
They actually weren’t in this case, which is why they made this rule.
Older workers were putting in pre tax money. Said worker dies, but never pulls the money out the traditional 401k, thus it isn’t taxed. That money is then passed down to their heirs at a stepped up basis and tax is never paid on the incremental amount between their contribution amount and the new basis amount
No, this is just flat out wrong. The government was only ever going to get income tax on distributions from pre-tax IRAs or 401(k)s. Basis and step-up have nothing to do with this since there are no capital gains taxes involved. The Government collects income tax on all amounts distributed including what was put in and all of the growth of the assets.
When someone dies and passes on these accounts to heirs the only difference is the potential tax rate of the original account owner vs the heir.
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