OT: Homeowners Ins.

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wrote:

I wonder if this academic was related to the suits who concocted the domino theory. I mean, you've got to publish SOMETHING in academia or your funding goes up in smoke.
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Earthquake is an add-on here. I don't carry it.
No significant activity from New Madrid fault since 1895.

I've been in St. Louis 30+ years. Skelton runs too much of the -other- end of the state.
Will
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Exactly how is Obama responsible for increases in homeowner insurance prices?
And I do mean exactly.
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On Tue, 20 Jul 2010 22:28:28 -0500, Wilfred Xavier Pickles

YOu didn't ask but I know what their explanation probably is. They take the money paid in premiums and invest it, then use the income or the sale of investments to pay claims. Because investments are doing so badly, and what they get for selling just about any investment is so much lower, they have to make up for it by charging higher premiums. I have no personal comment on this paragraph.
The big recession that started under GWB is what started all this. The Stimulus might have worked a lot more, but public confidence is what is really needed to increase both consumer and corporate spending -- if they have doubts whether they will have a job for long or doubts whether investments will yield profits, they won't spend -- and some Republicans started saying right after the Stimulus bill was passed** that it wouldn't work. Not long after that, before it was possible to know how well it was working, they started saying it had not worked. They were willing to see a continued recession either for the sake of being right, or in order to win more Republican seats in Congress at the next election.
**I have no ojbection to their saying it woudln't work before it was passed, when it was being debated. I presume they really thought it wouldnt' and they had a chance to convince other people and not pass it. But once it did pass, they shouldn't have tried to cut its legs out from under it. They sold us out for their own gain.
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On 7/21/2010 1:30 AM, mm wrote:

That's pretty much it. Unquantifiable science.
As for all the Obama haters, how many members would be mutually excluded from the KKK do you think?
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mm wrote:

I agree that lack of confidence contributes mightily to the malaise. But "confidence" is not something one can switch on and off.
Business hates uncertainty. What with the health insurance upheaval, proposed energy taxes, government subsidizing the competition (i.e., "green energy"), new financial regulations not yet written, and so on, ANY business would be foolish to do anything other than hunker down.
And by every objective or political standard, the "stimulus" has not worked. Never in the history of economics has massive government intervention in the economy worked as intended or hoped. In almost every case where its been tried, government intervention has made things worse.
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banks to lend to the the Fed than outside, that doesn't exactly add to the ability of people to start or expand businesses.

--
I want to find a voracious, small-minded predator
and name it after the IRS.
  Click to see the full signature.
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wrote:

Not like a switch, but with words, one can damage confidence. That was the goal of those who said the Stimulus wouldn't work and that it hadn't worked when it was too soon to tell.

Have you paid any attention to Japan, Red China, and I think the UK, France, and a couple other countries in Europe that had stimulus bills? These are places not riven by the kind of blood feud that pits Republicans here against Democrats. But they passed them anyhow.

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wrote:

Investments are doing so badly because the business are being overregulated by the government. The laws are being altered to create a socialist state.
And if the government would get out of the business of the United States of America, the capitalism system is a self righting ship. And if the government would get out of the business of stripping away the Constitution and separating state and federal rights, things would be better. And if the government would get into the business designated to it by the Constitution, they would not have the time or power or inclination to have some ignorant overeducated White House spokeswoman telling us what we can and cannot feed our children and legislators telling us what we can and cannot eat at the ball park. You blame the Republicans, yet it was Democrats who created the housing bubble by forcing banks to loan to shaky applicants. They all have a hand in the crumbling of the United States, and until government gets out of the United States' business, we're only going to get worse, and slide into socialism. Why work when one can now sit home and get $1200 a month unemployment, insurance, and other perks? And finance it by charging it to our grandchildren.
You really need to get out more. The Stimulus would have worked more if it had gone into jobs instead of the pockets of politicians and their cronies. Once again, the government being in business to propagate government, and having nothing to do with the citizens.
Fuck them all. The day will come when the citizens will wake up and rise up, and the classes will separate.
Now, get going or you'll be late to get your free cheese.
Steve
visit my blog at http://cabgbypasssurgery.com
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On Wed, 21 Jul 2010 05:49:30 -0700, "Steve B"

And the banks are totally UNREGULATED, which is where the avalanche started.

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On Wed, 21 Jul 2010 21:17:59 -0400, snipped-for-privacy@snyder.on.ca wrote:

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wrote:

Too bad it wasn't there years ago - the whole world financial situation would be a lot better for it. Notice the well-regulated Canadian banking system weathered the storm intact with no "government interventuion" or "taxpayer bailout"
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Examples, please.
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It's time you pay your fair share. You've been under-paying for years.
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American National always gave me good HO insurance at a good price, and were there for claims.
Steve
visit my blog at http://cabgbypasssurgery.com
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On Jul 20, 10:28pm, Wilfred Xavier Pickles

So go shopping.
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wrote:

So go shopping.
reply: Hold your phone calls, we do have a winner. Ransley, you drove that 16d sinker with one blow.
Steve
visit my blog at http://cabgbypasssurgery.com
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On Jul 20, 11:28pm, Wilfred Xavier Pickles

Years ago I switched HO from State Farm to Nationwide because of annoyance over collecting relatively small claims. The Nationwide insurance keeps increasing too. I figured that burden of hurricanes in other parts of the country were spreading the cost to the rest of us. Increasing cost of compliance with government regulations is also a problem.
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On Jul 20, 11:28pm, Wilfred Xavier Pickles

I watched the Major League Baseball All-star game the other day. I couldn't believe all the advertising and sponsorship State Farm had with the game. They donated several hundred thousand dollars to charity during the home run derby alone. They got to make that money back somehow.
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Years ago I had an "Independent" insurance agent, theoretically shopping for the best deals on my behalf. After a number of years of being overcharged for my business, home, and auto policies, it turned out that they were shopping for the best deals for their profit. This is of course one agent, and not necessarily applicable to all independent agents. About 18 years ago, I did several insurance renovation jobs, for State Farm and was so impressed at how well they stood by their customers, when they were in need, that I switched every insurance policy I had including auto, truck, business liability, home, and life. My premiums were drastically lower than I had been paying, plus they continually give me discounts for things like low mileage and combinations of policies. In almost 20 years, I don't believe any of my policies have increased, and if they did, only by a small amount. I would just check other companies in your area, and keep in mind, any company can offer you a discount to switch, then incrementally increase the premiums over time, and it's important to know you're dealing with a company that will stand by you, if and when you need them.
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