OT - What are you doing right now?

ColbyLang

Ozzie_Isaac said:

ColbyLang said:

Wired. Nothing like a cortisone shot to let you take a nap but then wake you up at 1am speeding like a junkie

Time to start disassembling and cleaning your production line like a midnight tweaker.

I’ve got a team of elves that do this daily. Might start field stripping and cleaning my guns lol

Ozzie_Isaac

ColbyLang said:

Ozzie_Isaac said:

ColbyLang said:

Wired. Nothing like a cortisone shot to let you take a nap but then wake you up at 1am speeding like a junkie

Time to start disassembling and cleaning your production line like a midnight tweaker.

I’ve got a team of elves that do this daily. Might start field stripping and cleaning my guns lol

Haha!

ColbyLang

Ozzie_Isaac said:

ColbyLang said:

Ozzie_Isaac said:

ColbyLang said:

Wired. Nothing like a cortisone shot to let you take a nap but then wake you up at 1am speeding like a junkie

Time to start disassembling and cleaning your production line like a midnight tweaker.

I’ve got a team of elves that do this daily. Might start field stripping and cleaning my guns lol

Haha!

Nothing that serious….whitetail season opens here soon. As does migratory birds (doves and ducks). A little preseason inspection and lube. Ready for action. 

fishlessman

JohnInCarolina said:

ColbyLang said:

I think, honestly, theres a myriad of reasons all of our premiums went up. Natural disasters/fires/personal injury lawyers etc. couple that with the inflation we’re seeing in the construction sector and the cost to rebuild is astonishing. 

My house was over valued easily by 3-400,000 for “replacement cost” by one carrier. The same carrier wanted 3x what my homeowners cost last year. Zero claims in 20 years of owning. 

Certainly the case with home insurance.

There were a few stories recently of entire counties (in Iowa, I think) where the companies simply won’t provide any insurance, period.  More and more are pulling out of Florida as well, for obvious reasons.  

So the rates up here go up to cover floods in the south, fires in the west etc. and the go up again when they no longer cover those areas.  Insurance has funny math I would be paying about 15k for flood ins according to my flood zone, looking at old giant pine trees in the yard that would have toppled if there was ever a flood.  They changed my flood zone to cover southern flooding that they no longer cover. Funny how Lloyd's of London jumped in to bail me out of the fema nonsense for 1/15th of the cost

JohnInCarolina

fishlessman said:

JohnInCarolina said:

ColbyLang said:

I think, honestly, theres a myriad of reasons all of our premiums went up. Natural disasters/fires/personal injury lawyers etc. couple that with the inflation we’re seeing in the construction sector and the cost to rebuild is astonishing. 

My house was over valued easily by 3-400,000 for “replacement cost” by one carrier. The same carrier wanted 3x what my homeowners cost last year. Zero claims in 20 years of owning. 

Certainly the case with home insurance.

There were a few stories recently of entire counties (in Iowa, I think) where the companies simply won’t provide any insurance, period.  More and more are pulling out of Florida as well, for obvious reasons.  

So the rates up here go up to cover floods in the south, fires in the west etc. and the go up again when they no longer cover those areas.  Insurance has funny math I would be paying about 15k for flood ins according to my flood zone, looking at old giant pine trees in the yard that would have toppled if there was ever a flood.  They changed my flood zone to cover southern flooding that they no longer cover. Funny how Lloyd's of London jumped in to bail me out of the fema nonsense for 1/15th of the cost

It's called actuarial science.  

fishlessman

JohnInCarolina said:

fishlessman said:

JohnInCarolina said:

ColbyLang said:

I think, honestly, theres a myriad of reasons all of our premiums went up. Natural disasters/fires/personal injury lawyers etc. couple that with the inflation we’re seeing in the construction sector and the cost to rebuild is astonishing. 

My house was over valued easily by 3-400,000 for “replacement cost” by one carrier. The same carrier wanted 3x what my homeowners cost last year. Zero claims in 20 years of owning. 

Certainly the case with home insurance.

There were a few stories recently of entire counties (in Iowa, I think) where the companies simply won’t provide any insurance, period.  More and more are pulling out of Florida as well, for obvious reasons.  

So the rates up here go up to cover floods in the south, fires in the west etc. and the go up again when they no longer cover those areas.  Insurance has funny math I would be paying about 15k for flood ins according to my flood zone, looking at old giant pine trees in the yard that would have toppled if there was ever a flood.  They changed my flood zone to cover southern flooding that they no longer cover. Funny how Lloyd's of London jumped in to bail me out of the fema nonsense for 1/15th of the cost

It's called actuarial science.  

Maybe stealing would be the correct term

JohnInCarolina

fishlessman said:

JohnInCarolina said:

fishlessman said:

JohnInCarolina said:

ColbyLang said:

I think, honestly, theres a myriad of reasons all of our premiums went up. Natural disasters/fires/personal injury lawyers etc. couple that with the inflation we’re seeing in the construction sector and the cost to rebuild is astonishing. 

My house was over valued easily by 3-400,000 for “replacement cost” by one carrier. The same carrier wanted 3x what my homeowners cost last year. Zero claims in 20 years of owning. 

Certainly the case with home insurance.

There were a few stories recently of entire counties (in Iowa, I think) where the companies simply won’t provide any insurance, period.  More and more are pulling out of Florida as well, for obvious reasons.  

So the rates up here go up to cover floods in the south, fires in the west etc. and the go up again when they no longer cover those areas.  Insurance has funny math I would be paying about 15k for flood ins according to my flood zone, looking at old giant pine trees in the yard that would have toppled if there was ever a flood.  They changed my flood zone to cover southern flooding that they no longer cover. Funny how Lloyd's of London jumped in to bail me out of the fema nonsense for 1/15th of the cost

It's called actuarial science.  

Maybe stealing would be the correct term

They are governed by the laws of supply and demand, like anything else.  They charge what the market will bear. But at minimum, they have to be able to assess risks and the likelihood of payouts and whether a natural disaster will bankrupt them.   

Don't get me wrong, I'm not a fan of these companies or the way they work at times, not at all.  But it's not some mystery as to why their rates increase when they suddenly drop lots of people in a particular region.  

fishlessman

Just did my flood risk assessment.15k a year is for the water heater failing....that's probably not covered 😁

fishlessman

JohnInCarolina said:

fishlessman said:

JohnInCarolina said:

fishlessman said:

JohnInCarolina said:

ColbyLang said:

I think, honestly, theres a myriad of reasons all of our premiums went up. Natural disasters/fires/personal injury lawyers etc. couple that with the inflation we’re seeing in the construction sector and the cost to rebuild is astonishing. 

My house was over valued easily by 3-400,000 for “replacement cost” by one carrier. The same carrier wanted 3x what my homeowners cost last year. Zero claims in 20 years of owning. 

Certainly the case with home insurance.

There were a few stories recently of entire counties (in Iowa, I think) where the companies simply won’t provide any insurance, period.  More and more are pulling out of Florida as well, for obvious reasons.  

So the rates up here go up to cover floods in the south, fires in the west etc. and the go up again when they no longer cover those areas.  Insurance has funny math I would be paying about 15k for flood ins according to my flood zone, looking at old giant pine trees in the yard that would have toppled if there was ever a flood.  They changed my flood zone to cover southern flooding that they no longer cover. Funny how Lloyd's of London jumped in to bail me out of the fema nonsense for 1/15th of the cost

It's called actuarial science.  

Maybe stealing would be the correct term

They are governed by the laws of supply and demand, like anything else.  They charge what the market will bear. But at minimum, they have to be able to assess risks and the likelihood of payouts and whether a natural disaster will bankrupt them.   

Don't get me wrong, I'm not a fan of these companies or the way they work at times, not at all.  But it's not some mystery as to why their rates increase when they suddenly drop lots of people in a particular region.  

It's also not a mystery that I would be paying less than a grand if my camp was in a flooding area in la instead of an area that has never flooded in Maine costing 15k a year.  Same camp, less risk, different market....

Foghorn

My dad used to say that there is a fine line between the insurance industry and the mafia...

JohnInCarolina

fishlessman said:

JohnInCarolina said:

fishlessman said:

JohnInCarolina said:

fishlessman said:

JohnInCarolina said:

ColbyLang said:

I think, honestly, theres a myriad of reasons all of our premiums went up. Natural disasters/fires/personal injury lawyers etc. couple that with the inflation we’re seeing in the construction sector and the cost to rebuild is astonishing. 

My house was over valued easily by 3-400,000 for “replacement cost” by one carrier. The same carrier wanted 3x what my homeowners cost last year. Zero claims in 20 years of owning. 

Certainly the case with home insurance.

There were a few stories recently of entire counties (in Iowa, I think) where the companies simply won’t provide any insurance, period.  More and more are pulling out of Florida as well, for obvious reasons.  

So the rates up here go up to cover floods in the south, fires in the west etc. and the go up again when they no longer cover those areas.  Insurance has funny math I would be paying about 15k for flood ins according to my flood zone, looking at old giant pine trees in the yard that would have toppled if there was ever a flood.  They changed my flood zone to cover southern flooding that they no longer cover. Funny how Lloyd's of London jumped in to bail me out of the fema nonsense for 1/15th of the cost

It's called actuarial science.  

Maybe stealing would be the correct term

They are governed by the laws of supply and demand, like anything else.  They charge what the market will bear. But at minimum, they have to be able to assess risks and the likelihood of payouts and whether a natural disaster will bankrupt them.   

Don't get me wrong, I'm not a fan of these companies or the way they work at times, not at all.  But it's not some mystery as to why their rates increase when they suddenly drop lots of people in a particular region.  

It's also not a mystery that I would be paying less than a grand if my camp was in a flooding area in la instead of an area that has never flooded in Maine costing 15k a year.  Same camp, less risk, different market....

This response does not make a whole lot of sense, fish, but maybe you were trying to say something other than what you actually wrote.

I don’t know what the insurance company told you, or what if any justification they had for the policy they were trying to sell you.  Sometimes it’s not the company so much as the agent you happen to get, in my experience.  I’m typically not all that impressed by these people.

GrateEggspectations

Watching a family movie starring a CGI dog. How did we end up here? Maybe he’ll win best actor this year. 

fishlessman

JohnInCarolina said:

fishlessman said:

JohnInCarolina said:

fishlessman said:

JohnInCarolina said:

fishlessman said:

JohnInCarolina said:

ColbyLang said:

I think, honestly, theres a myriad of reasons all of our premiums went up. Natural disasters/fires/personal injury lawyers etc. couple that with the inflation we’re seeing in the construction sector and the cost to rebuild is astonishing. 

My house was over valued easily by 3-400,000 for “replacement cost” by one carrier. The same carrier wanted 3x what my homeowners cost last year. Zero claims in 20 years of owning. 

Certainly the case with home insurance.

There were a few stories recently of entire counties (in Iowa, I think) where the companies simply won’t provide any insurance, period.  More and more are pulling out of Florida as well, for obvious reasons.  

So the rates up here go up to cover floods in the south, fires in the west etc. and the go up again when they no longer cover those areas.  Insurance has funny math I would be paying about 15k for flood ins according to my flood zone, looking at old giant pine trees in the yard that would have toppled if there was ever a flood.  They changed my flood zone to cover southern flooding that they no longer cover. Funny how Lloyd's of London jumped in to bail me out of the fema nonsense for 1/15th of the cost

It's called actuarial science.  

Maybe stealing would be the correct term

They are governed by the laws of supply and demand, like anything else.  They charge what the market will bear. But at minimum, they have to be able to assess risks and the likelihood of payouts and whether a natural disaster will bankrupt them.   

Don't get me wrong, I'm not a fan of these companies or the way they work at times, not at all.  But it's not some mystery as to why their rates increase when they suddenly drop lots of people in a particular region.  

It's also not a mystery that I would be paying less than a grand if my camp was in a flooding area in la instead of an area that has never flooded in Maine costing 15k a year.  Same camp, less risk, different market....

This response does not make a whole lot of sense, fish, but maybe you were trying to say something other than what you actually wrote.

I don’t know what the insurance company told you, or what if any justification they had for the policy they were trying to sell you.  Sometimes it’s not the company so much as the agent you happen to get, in my experience.  I’m typically not all that impressed by these people.

The govt sets the prices, the ins has the markup. I have four water fronts.  I won't change the camp back from Lloyd's,  it's 2.5  percent on the mortgage interest and accepts that.

Botch

fishlessman said:
The govt sets the prices, the ins has the markup. 

First I've heard of that, do you have a source I could review?  Thanks.  

Botch

GrateEggspectations said:

Watching a family movie starring a CGI dog. How did we end up here? Maybe he’ll win best actor this year. 

SCSI-Doo?  1011011 Dalmation*?  Boole-dog?  Yorkshire Terabite?  Bit-any Spaniel?  (whee this is fun!) Shih-CPU? 
 
 
* And now we bring you, Dalmation on Vacation!
 

  

alaskanassasin

Botch said:

fishlessman said:
The govt sets the prices, the ins has the markup. 

First I've heard of that, do you have a source I could review?  Thanks.  

https://www.iii.org/publications/commercial-insurance/how-it-functions/regulation#:~:text=Regulation-,Introduction,set%20of%20statutes%20and%20rules.

https://www.investopedia.com/terms/n/nainsurancec.asp#:~:text=Key%20Takeaways,than%20by%20the%20federal%20government.

Canugghead

The Dewalt angle grinder I borrowed from someone died on me Took it apart to troubleshoot, turned out the rocker switch wasn't letting power through, runs when switch was bypassed...

Squirted WD40 into it and still no go. Started checking online and found a few places including Amazoid that sell it, price+shipping is north of $30, ouch. Found and rushed (they wouldn't pick up the phone) to an authorised Dewalt parts and service centre near home this morning, their official price is only $10.91. However, after an extensive search the guy said this thing is almost 20yo and he doubts if they still sell it, told me to ask parts manager on Monday to contact Dewalt Canada.

Being stubborn I didn't want to give up just yet and decided to take another look at the switch. When hooked up to the analogue multimeter again the needle swung! Bingo, I guess the 2hr+ soak gave WD40 time to work its magic in dissolving the gunk? 

Nice to have a win occasionally 

CTMike

Our oldest granddaughter (12 y/o) is in an Arts and Communications magnet school, and she knows every word to every song in Hamilton by heart. So I decided she needed to “be in the room where it happens.” I am getting a huge kick out of seeing her full of so much joy - dancing in her seat and singing (quietly) along. 

lousubcap

Wow!  You and your wife really know how to focus on the individual and create experiences that lead to permanent memories.  What a treat for her.  Hit a grand slam couple of days!
And the bonus-messing about in NYC.  

ColbyLang

Watching college ball, cooking red beans and rice, about to season a prime packer that’s going on about 9pm for a lunch date with the NFL tomorrow 

Ozzie_Isaac

CTMike said:

Our oldest granddaughter (12 y/o) is in an Arts and Communications magnet school, and she knows every word to every song in Hamilton by heart. So I decided she needed to “be in the room where it happens.” I am getting a huge kick out of seeing her full of so much joy - dancing in her seat and singing (quietly) along. 

Absolutely amazing experience!!  What a joy to share that with her.

CTMike

Ozzie_Isaac said:

CTMike said:

Our oldest granddaughter (12 y/o) is in an Arts and Communications magnet school, and she knows every word to every song in Hamilton by heart. So I decided she needed to “be in the room where it happens.” I am getting a huge kick out of seeing her full of so much joy - dancing in her seat and singing (quietly) along. 

Absolutely amazing experience!!  What a joy to share that with her.

Thanks. She was almost as pumped for the train ride to and from the city. 

CTMike

lousubcap said:

Wow!  You and your wife really know how to focus on the individual and create experiences that lead to permanent memories.  What a treat for her.  Hit a grand slam couple of days!
And the bonus-messing about in NYC.  

Thanks Frank. It was an absolute joy to share this experience with her. On the walk back to Penn Station I asked her if she enjoyed the show. She just looked at me, flashed a 1,000 watt smile and gave me a huge hug. Don’t think the day could get any better. 

Botch

CYCLONES!!!
 

ColbyLang

Botch said:

CYCLONES!!!
 

Helluva game. 

alaskanassasin

That is why I hate borrowing sheet @Canugghead. How many times have I borrowed something and spent more time working on it than I used it?!

WeberWho

@StillH2OEgger knows what I'm talking about!



This is their single scoop kids cup. 

lousubcap

WeberWho said:

@StillH2OEgger knows what I'm talking about!



This is their single scoop kids cup. 

That could well and truly be worth a road trip.  Way to enhance your business with the family. 

ColbyLang

WeberWho said:

@StillH2OEgger knows what I'm talking about!



This is their single scoop kids cup. 

Wowsa

Ozzie_Isaac

Daughter finally got the fancy ponies out of her system and back to what she grew up on.  Rodeos and barrel racing.  Feels good to be back at the local jackpots.  This is the horse world I like.