meansonny

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Netherlands chick had it until she wiped out.

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She is far and away the best in the world right now.

But this isn't the first time that she has fallen in a huge race.
You dont see racers fall very often. It is extremely rare to see someone who has a propensity to do it at this level repeatedly.

Boling is a beast.
How big was that moment for him? He was subbed in.

Race starts just after 5 minute mark

"In hindsight, our best successes"


1) if you are stationary (not moving towns), buy a home ASAP. Live small, build up savings for down-payment and closing costs. The joke is that the best time to buy a home was 20 years ago. The second best time is today.

2) lock in your expenses. Buying a home goes a long way to that. Learning to pay cash for cars goes a long way as well. If you can live well within your means early, then all of your payraises can go to savings/retirement.

3) maximize free money. Do 401k at a minimum to the company match. As you get pay raises, do not pay yourself more. Add to the retirement/hsa.

I was late on this as priority 1 was get married and buying a home. Priority 2 was retirement. By the time I was 30 and feeling behind on retirement, my goal was to hit $100k asap. Then my goal was to max 401k contributions asap. Then we looked at freeing up spending on vacations and dining (vacations for the first 10 years was camping on our dime. Or by invitation of parents/grandparents on their dime).

21 years in as a couple, our house was paid off.
Our retirement doubles every 3-5 years.
24 years as a couple, our retirement is $1m+.

My wife was able to stay at home with the kids for about 8 years. Then she worked part time for 6 years. She has been full time since.

The key was to lock in our budget when we were still low income.

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Future fans will start the sports history from 2025 when players could be paid and a true playoff started.

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Everyone who is anyone knows that college football became important when the majority of homebuilders in Florida installed A/C on new constructions.

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Why are you replying to me with that?

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Phone spasms.

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Wipe out funding so we can spend millions of dollars to paint a reflecting pool in DC turquoise blue.

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According to trump, the money was already allocated and it was estimated at 20 times the actual cost that he spent.

I havent been to DC in 40 years.
I dont know what needs maintenance and what doesn't.
But tell me that the previous guy was going to pay 20 times more and I am more likely to have a favorable outlook on the project.

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Third leg

Insurance companies NEVER lose

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I agree

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Also third leg

Insurance companies willingly choose to not write in one of the largest states in the nation because they want to intentionally frick the customer

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If insurance companies are reacting to the department of insurance, does that mean the elected officials want to intentionally frick the customer?

That is the communist playbook.
Destroy the institution so that the organization who destroyed the institution can grab more control.

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In California: Homeowners in high wildfire risk areas, including parts of Northern and Southern California, allege that insurers systematically withdrew from local markets. Instead of competing fairly, companies allegedly communicated directly or through shared industry platforms to limit consumer choices and inflate premiums.

The lawsuits argue that insurance collusion allowed companies to avoid market competition and artificially raise prices, violating California’s strict consumer protection laws.

Key Allegations Include:

Coordinated Non-Renewals: Multiple insurers canceled policies in the same neighborhoods around the same time, leaving homeowners few alternatives.

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Your evidence of collusion is a shitty department of insurance where multiple insurance companies decided to stop writing new policies (not affecting the current policies that they have already written).

It is unpossible that a crappy department of insurance can have negative consequences for the state? And that multiple insurance companies can independently agree that other states are better than California?
That's a shitty argument. But one that Californians would make (elect shitty politicians. Select shitty policies. Complain about shitty results without looking at the first 2 legs of the equation).

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Artificial Premium Inflation: Companies allegedly used shared risk models to justify raising premiums across the board.

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What does this mean?
Every company has their own data.
Are they buying third party data from the same source?

Do mortgage companies collude to deny a new home mortgage when the same equifax report indicates crappy credit and ability to repay promissory notes?

You have lied enough in this thread that I dont believe you.
And more than likely, whatever you have read or been told is skewed to keep you angry and not factually accurate. State Farm does not share data in California with any company other than repositories and the state. I challenge you to prove otherwise.

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Steering Toward Limited Options: Insurers pushed homeowners into costly surplus lines insurance, offering less protection.

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Now you are conflating insurance companies (underwriters) with insurance agencies.
An agent will present options. When standard, domestical options are not available then the agency will offer excess and surplus markets.

Would you rather no options?
That usually leads to "insurance desert" claims that disproportionately affect some minority demographic in some study.

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The goal was to reduce hail claim costs by 50%, the petitions said. The initiative was rolled out in June 2020 in Dallas County, Texas, the petitions said, and was quickly extended to three other hail states, including Oklahoma. Within six months, the program was expanded to the rest of the country.

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This is in the weeds.
But you are bringing up the notion of indemnity.

You have hail damage.
How much hail damage constitutes a roof replacement?
Honest question.
You are scientifically welcome to answer this engineering question.
I'd love your opinion. Because the claims manuals are all opinions.
Personally, id love the claims manuals to be released publicly. I'd love that as a consumer protection. Policy limits dont do justice to what a claims manual can do.

Call your state legislature.

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Nobody engaging in this industry is an historic loser unless there mismanaging institutional investments with a risky portfolio

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Lol

No one is a historic loser because insurance companies file rate changes annually.
You obviously can't wrap your head around cause and effect.
You think there is some magic where there isnt.

Insurance companies do not have control over investment income. Markets determine that. And insurance companies do not have enough reserves to assume risk. These are pension level investments.

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lol. They absolutely do. It’s not even hidden. It is completely legal for them from a federal standpoint and state regulators are comically flaccid against it.

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Evidence?

Collusion is illegal. Especially at the federal level for insurance companies. You are kind of a moron for stating the opposite.

And insurance companies hate the department of insurance.
I dont know how you define flaccid.