Belaire Buck

Best bang for your buck...try Ebay. Seriously. You can find every brand in great used condition for a fraction of the cost new. Sometimes you can find new for a fraction of the price as well and most sellers today offer return options.

Have you looked at Vice Pro. I am not nearly good enough to tell the difference between any balls but I have read that Vice Pro (3pc urethane cover) closely acts like the PV1 especially when it comes to spin and greenside workability.

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What do you call a deer without eyes?

- no eye deer

What do you call a deer with without legs and eyes?

- still no eye deer

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For when the kids get older or you just DGAF:

What do you call a deer with without legs, eyes, and gentelia?

- still no f*cking eye deer

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I don't mind what they look like, but boy it pisses me off when they quote $14,000 to paint my 2,100 sq ft house.

That's a pretty good motivational technique to get me off of my lazy arse and outside painting my house myself.

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This...we had to pull up all our wood floors and replace them. Wife said she was going to paint our 5 bedrooms herself. I bought all the paint and rented scaffolds. She procrastinated up until the week before new floors were going in. I got a guy exactly as described in the OP to give me a quote. $2,500. To paint walls only. No trim whatsoever and I had already purchased the paint. This was at 10am on a Friday. She was painting by noon and it was completed Sunday afternoon. Mostly by me but yea. Aint no way I was paying him that much money.

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Are you telling me or adding on to what I said? I am pretty sure this is what I already did

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:doublebird:

Adding on...giving a little more depth...encouraging others to do the same...and they are a competitor. But hey I'm all about lowering rates when possible as long as coverage is adequate.

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They aren’t a secret per se, but carriers put much more money in to customer acquisition than they do into retention. They rely on people being loyal or lazy and just accepting that rates are going to go up. When you call them and provide actual quotes they mysteriously find discounts that they can apply or they re-rate you.

The only one that normally doesn’t re-rate you for a lower amount is USAA. Pretty much all the other major carriers will see what they can do to adjust your rate. They may not match, but they can normally work it up to where it’s within a few dollars.

***Just a note, this info for auto insurance, homeowners and commercial policies have a lot less leeway.

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"That's not how this works. That's not how any of this works."

If you called me and told me that I either price matched or you were walking, I would look at the coverages you were quoted. If it was the same that you have or very close I tell you that you found a good deal and you should take it if our service was not worth the price difference. In no way shape or form can you just price match and you can't just rerun credit/driving/history. It that were the case my retention would be damn near 100%. And if you think that retention doesnt matter then you clearly have no idea what you are talking about but we know that already.

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Not my scenario. All my insurance is in same name and my agent advised both. The general liability covers some things that the umbrella doesn't.

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Curious as to what the GL covers that the umbrella doesn't. Does the GL fall under the umbrella? Like I said earlier, all your policies should have their own liability so I am generally curious as to what the GL would be for? Not saying he's wrong but I am not seeing what the GL is for. I also do not know what all you are insuring.

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I don't know how it impacts other states, but I recently saw where both Stare Farm and Allstate have announced they will no longer insure new homes, condos, or businesses in the state of California.

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No impact on other states. It's not just homes. Alot of companies are not insuring autos in Cali as well. Insurance companies are reporting record underwriting loss every quarter and as mentioned previously the cost for reinsure has increased significantly which is why we are continuing to rates increasing. California government is not approving rate increases so the companies are not taking on much new risk. Those that are, are requiring polices to be paid in full and UW guidlines are super strict. Renewals are also being required full pay. The covid effect is hitting hard as there is a labor shortage so labor prices have gone up to try and attract workers. Repairs are taking longer because vehicles have more parts to replace than years ago. Electrical components are expense require special techs and equipment to repair/replace. Longer repair times mean more storage and/or rental fees.

On the homeowners side a lot of the same can be said about labor and material shortages and companies are trying to price you out if your policy because they just don't want the exposure unless you really want to pay for it.

When I was 15 my grandmother had been ill and in ICU for sometime. They knew her time was coming to an end and they allowed all the grankids to go in a couple at a time. My cousin and I were in for a brief visit and before we left he told her "See you tomorrow" and her reply was "No you wont". After everyone made their visit she passed away. That was 30 years ago and I still hear those words very clearly.

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I finally got around to ordering the shite from Rasa. I took it for the first time last night. I went to a function with an open bar where I got a room with a date I couldnt figure out the ml/mg dosage and didnt have time to search this thread so I took around 4 or 5 droppers Dont be like Faceplant

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Go on...