The Frankish Reich Posted July 27, 2023 Share Posted July 27, 2023 Just now, Orlando Tim said: The market is having issues because the guidelines in place do not have room for a 100% increase in value of homes over 3 years in many part of FL. And the guidelines are ... GOVERNMENT guidelines, right? If there were no such guidelines or better guidelines, insurers would raise premiums commensurate with increased risk (a totaled home now results in a million dollar claim rather than a half million dollar claim) and they'd stay in the market. I hope you don't teach economics. Link to comment Share on other sites More sharing options...
Orlando Buffalo Posted July 27, 2023 Share Posted July 27, 2023 Just now, The Frankish Reich said: And the guidelines are ... GOVERNMENT guidelines, right? If there were no such guidelines or better guidelines, insurers would raise premiums commensurate with increased risk (a totaled home now results in a million dollar claim rather than a half million dollar claim) and they'd stay in the market. I hope you don't teach economics. What state do you live in? Link to comment Share on other sites More sharing options...
The Frankish Reich Posted July 27, 2023 Share Posted July 27, 2023 1 minute ago, Orlando Tim said: What state do you live in? Colorado. Why? Link to comment Share on other sites More sharing options...
Big Blitz Posted July 27, 2023 Share Posted July 27, 2023 Omg Link to comment Share on other sites More sharing options...
Orlando Buffalo Posted July 27, 2023 Share Posted July 27, 2023 1 minute ago, The Frankish Reich said: Colorado. Why? Before I became a teacher I spent 6 years working in insurance all over the country. While my information is dated since I have not been on the road for more than decade but I was hoping you lived in one of the bad states for insurance. CO was actually pretty well run at the state level. But due to the state being required to make sure insurance companies can pay claims, have the infrastructure to handle a large number of claims, along with multiple other major considerations the state has an interest in ensuring the companies are living up to the proper standard. It is not like small companies can be allowed to be insurance companies. Link to comment Share on other sites More sharing options...
The Frankish Reich Posted July 27, 2023 Share Posted July 27, 2023 16 minutes ago, Orlando Tim said: Before I became a teacher I spent 6 years working in insurance all over the country. While my information is dated since I have not been on the road for more than decade but I was hoping you lived in one of the bad states for insurance. CO was actually pretty well run at the state level. But due to the state being required to make sure insurance companies can pay claims, have the infrastructure to handle a large number of claims, along with multiple other major considerations the state has an interest in ensuring the companies are living up to the proper standard. It is not like small companies can be allowed to be insurance companies. I get it. Thanks for the info. My point, of course, is a more general one. A libertarian one I guess. When you see companies abandoning a market where money can be made, there's generally a reason to be found in looking at the state/city's legal/regulatory structure. Link to comment Share on other sites More sharing options...
Orlando Buffalo Posted July 27, 2023 Share Posted July 27, 2023 16 minutes ago, The Frankish Reich said: I get it. Thanks for the info. My point, of course, is a more general one. A libertarian one I guess. When you see companies abandoning a market where money can be made, there's generally a reason to be found in looking at the state/city's legal/regulatory structure. I would generally agree with you, but govt is far too involved, much of it for good reason, to have simple fixes. The ability to have reserved is huge and that alone cause issues that most intelligent and business savvy people have issues understanding. I will tell one story of the mess that happened to me in Washington while working for one of the companies I assure you that you know. Insured homeowner was allowed to under insure home because state did not get involved in how insurance funding was set. After my inspection I recommended an increase in coverage by over 300% based on cost of house. Homeowner had entire policy cancelled and not coverage for claim for fraud since information given was clearly fraudulent. Insured had apparently had an extension on home that was larger than initial house. My point is that planning for normal craziness is difficult, what has happened in FL since 2020 is impossible Link to comment Share on other sites More sharing options...
Over 29 years of fanhood Posted July 27, 2023 Share Posted July 27, 2023 I’m in Florida for work stuff this week - holy ***** do these people love Desantis. Cab drivers, servers, Uber drivers, bartenders, corporate leaders, generally anyone you encounter that is working. They all have their different reasons but it has been consistent and overt. 2 Link to comment Share on other sites More sharing options...
Orlando Buffalo Posted July 27, 2023 Share Posted July 27, 2023 7 hours ago, Over 29 years of fanhood said: I’m in Florida for work stuff this week - holy ***** do these people love Desantis. Cab drivers, servers, Uber drivers, bartenders, corporate leaders, generally anyone you encounter that is working. They all have their different reasons but it has been consistent and overt. Which part of FL are you in? The DeSantis love is pretty universal except for the people who are professionally aggrieved. Link to comment Share on other sites More sharing options...
Big Blitz Posted July 27, 2023 Share Posted July 27, 2023 Here we go! This explains Trump’s ridiculous attacks on DeSantis the last week. Link to comment Share on other sites More sharing options...
The Frankish Reich Posted July 27, 2023 Share Posted July 27, 2023 8 hours ago, Over 29 years of fanhood said: I’m in Florida for work stuff this week - holy ***** do these people love Desantis. Cab drivers, servers, Uber drivers, bartenders, corporate leaders, generally anyone you encounter that is working. They all have their different reasons but it has been consistent and overt. No surprise, I'm not a DeSantis fan. Actually, I would be a fan of what I think DeSantis would be without Trump in his head all the time, with DeSantis trying to out-Trump the OG. But I will admit: this counts for something. If you are the governor of a state and the people of that state overwhelmingly support you, that says something. 1 Link to comment Share on other sites More sharing options...
Over 29 years of fanhood Posted July 27, 2023 Share Posted July 27, 2023 45 minutes ago, Orlando Tim said: Which part of FL are you in? The DeSantis love is pretty universal except for the people who are professionally aggrieved. Coco beach /Orlando (didn’t speak to any Disney employees 😂) Link to comment Share on other sites More sharing options...
Orlando Buffalo Posted July 27, 2023 Share Posted July 27, 2023 57 minutes ago, Over 29 years of fanhood said: Coco beach /Orlando (didn’t speak to any Disney employees 😂) Many Disney employees like him because they think Disney was going too far but they could not find another place that paid as well for their skill sets. If you are a brewery guy Hourglass is on the east side of town and Gatlin Hall is nearby, both personal favorites. 1 Link to comment Share on other sites More sharing options...
The Frankish Reich Posted July 27, 2023 Share Posted July 27, 2023 9 minutes ago, Orlando Tim said: If you are a brewery guy Hourglass is on the east side of town and Gatlin Hall is nearby, both personal favorites. Glad to hear we share a hatred of Bud Light. For whatever reason or reasons. Link to comment Share on other sites More sharing options...
Orlando Buffalo Posted July 27, 2023 Share Posted July 27, 2023 3 hours ago, The Frankish Reich said: Glad to hear we share a hatred of Bud Light. For whatever reason or reasons. Even when free I am unlikely to drink a Bud/Bud Light and have been like that for about a decade. Too many good beers out there. 1 Link to comment Share on other sites More sharing options...
HomeskillitMoorman Posted July 27, 2023 Share Posted July 27, 2023 5 hours ago, Big Blitz said: Here we go! This explains Trump’s ridiculous attacks on DeSantis the last week. I honestly don't know how all these polls work...but I'm wondering where are all these other news places (including independent Conservative media) are getting this stuff from during the last week when they were putting up headlines saying Vivek was basically tied with DeSantis for 2nd? Is what they do completely different than what these guys do? 1 Link to comment Share on other sites More sharing options...
Big Blitz Posted July 27, 2023 Share Posted July 27, 2023 LFG Link to comment Share on other sites More sharing options...
aristocrat Posted July 28, 2023 Share Posted July 28, 2023 Link to comment Share on other sites More sharing options...
SectionC3 Posted July 28, 2023 Share Posted July 28, 2023 3 hours ago, B-Man said: Too close. If the GOP doesn't win by at least 5% then the democrat after-midnight wave will take it back. So you're an election denier as well? Good stuff. I shouldn't be surprised, given your susceptibility to MAGA hoaxes. 1 Link to comment Share on other sites More sharing options...
Joe Ferguson forever Posted July 28, 2023 Share Posted July 28, 2023 nice op ed on the education law in the NYT language isn’t quite the same. In addition to using the term “enslaved” rather than “slave” — a linguistic shift that continues to be a subject of real debate — the language for the A.P. curriculum emphasizes that Black Americans could only use these skills after Emancipation. This is key. Slaves were owned as chattel by other human beings who stole their freedom, labor and bodily autonomy. To say that any more than a fortunate few could “parlay” their skills into anything that might improve their lives is to spin a fiction. Just as important is the fact that a large majority of the Africans enslaved in North America, whether under the British Crown for the better part of two centuries or under the American Constitution for eight decades after the revolution, died in bondage. For them, there was no point after slavery where they could use their skills. You might say that these are minor, semantic differences. But in history the same ideas can be used to very different effect. And it is exactly these questions of wording and emphasis that mark one of the differences between a modern, more truthful depiction of American slavery and an older, tendentious approach that either de-emphasized or ignored outright the basic injustice of human bondage in favor of a gloss that placed a more pleasant sheen on an otherwise horrific institution. we used to like the "The Ravenous Pig" near Orlando for unusual gourmet food but lastvisit was disappointing for both food and service and we don't plan on going back to Fla... 1 Link to comment Share on other sites More sharing options...
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