Recent content by Johnny-Baseball

Can't speak for GasGuzzler, but I share his opinion. I, too, have a "small suburban yard" - 90' x 120'. I want grass in that yard (my personal preference is Zeon Zoysia - a Texas A&M hybrid groomed for shady yards). Clover is the absolute enemy of sod grasses, and is virtually impossible to...

Of course Menzies might have gotten it backwards. The native Mexicans might have exported their crafts and skills to China. Just a theory. 😁

Until you've actually experienced a total loss (or near total loss) on your home, you really don't know what coverage you have, what coverage you wished you had, and how much coverage you actually needed. Do a little research on these questions. ALWAYS have an inventory of the personal...

It's not just how they survive. It is the foundation upon which insurance is based. OLDGUY79 needs to read what "insurance" means.

Oldguy79 - I've NEVER encountered an insurance company who claimed, " Insurances companies will tell yo they do not spread the costs of claims throughout all policies." Specifically, which insurance companies told you that?

Appliances' costs have also increased. There was a time during the China-virus times when the west coast's ports were shut down. Remember? Well, one of the items stuck on ships were loads of washer/dryer units, stoves, microwaves, etc. US homebuilders took a huge hit when this happened...

Also, if an insurance company's losses chew up the company's claims reserve and eat into the policyholders' surplus, that company may be prohibited (by the state insurance regulators) from writing new business. That happens from time to time...I suspect Cali's wildfire claims have triggered...

Many purchased homeowner's insurance because they were contractually obligated to do so in order to obtain a mortgage loan, and the mortgage loan agreement obligated the homeowner to continue to buy such insurance for so long as they owed money on that mortgage loan. BUT... Lenders only...

Mobuck, I HOPE the insurance companies are in this to make a profit. And you should, too. Without that profit, insurance companies can't build the "cushion" to absorb unusually high levels of claims. Having multiple insurance companies compete in the same market provides assurance that they...

Just remember, inflation has run at historically high rates in the recent past. Automobile (new and used) purchase prices are at extraordinarily high levels. The cost of building products is at historically high levels. So all of the "moving parts" that accumulate into higher premiums are...

I consummate ZERO financial transactions via cell phone. No purchases. No bank transfers or payments. Zip. Nada. And my wife doesn't either. [Fortunately for me, she's not technology-savy, so I'd have to teach her in order for her to buy stuff with her cell phone. I haven't, don't and...

Did you know that homeowner insurance (HOB-T) policy premiums are regulated by each state's State Board of Insurance Commissioners? Individual insurance companies can offer discounted rates (the practice is called deviating), which is why individual companies can each offer rates that differ...

When I made presentations to High School seniors about their careers, I would advise them: 1. Don't worry about what you're going to work on after you graduate from college. 2. The "thing" you'll want to work on hasn't been invented yet. The pace of change has likely never been linear. It is...

That's now multiple times I've misread a comment. Methinks I'm getting too old to make such comments. Thanks for pointing this out.

What I've never seen is law enforcement disclosures of armed citizen victims whose weapon was stolen by the perp during the course of committing a felony. If I knew that 20% (or whatever meaningful percentage) of such victims' weapons were stolen, I'd be concerned...but that would probably just...