
LSUgolf04
Favorite team: | LSU ![]() |
Location: | |
Biography: | |
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Occupation: | |
Number of Posts: | 349 |
Registered on: | 8/27/2009 |
Online Status: | Not Online |
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re: State Farm downgraded to a B rating
Posted by LSUgolf04 on 3/29/24 at 4:17 pm
The parent company does not have to step in. It’s helped affiliates in the past though. But you don’t want to throw good money after bad unless California eases up on the regulatory side.
California is a single state affiliate for a reason. It’s a very difficult to operate a business in that state due to the extreme regulatory overreach.
The rest of the country should not have to subsidize California due to their anti-business politics.
California is a single state affiliate for a reason. It’s a very difficult to operate a business in that state due to the extreme regulatory overreach.
The rest of the country should not have to subsidize California due to their anti-business politics.
re: What happened to Curbside Burgers
Posted by LSUgolf04 on 3/29/24 at 12:50 pm
Have you seen their employees? Women with blue hair & dudes with makeup.
re: State Farm downgraded to a B rating
Posted by LSUgolf04 on 3/29/24 at 12:42 pm
This only impacts State Farm's California Fire policies...
State Farm Mutual (Countrywide Auto company & Parent company) is A++.
State Farm Fire & Casualty (Home insurance company for most states) is A++.
This downgrade is only for single state affiliate... State Farm General (CALIFORNIA)!
State Farm Mutual (Countrywide Auto company & Parent company) is A++.
State Farm Fire & Casualty (Home insurance company for most states) is A++.
This downgrade is only for single state affiliate... State Farm General (CALIFORNIA)!
re: Life Insurance - too much? One policy or two? Best way to gain multiple quotes?
Posted by LSUgolf04 on 12/8/23 at 6:49 am
quote:
Just don't let anyone talk you into anything besides term. Finding quotes is easy. Don't go to a captive agent (NY Life, NWM, SF, etc).
The fact that you think people should avoid some of the best life insurance companies in the country because there is a chance someone may be interested in something besides term life is completely insane.
OP, definitely consider term first before considering other products. But don’t listen to this dude about what company to use.
re: How bad was State Farm the last few years
Posted by LSUgolf04 on 9/20/23 at 10:55 pm
The reality is State Farm is among the best in the industry, despite what the folks in this thread are saying.
Here’s an unbiased report on homeowners insurance claims satisfaction…
LINK (JD Power ranking)
Here’s an unbiased report on homeowners insurance claims satisfaction…
LINK (JD Power ranking)
re: State Farm auto policy increases are insane.
Posted by LSUgolf04 on 8/11/23 at 8:26 am
The irony of posts like the OPs...
We literally have a post on the OT complaining about used car prices being absurd and folks are wondering why insurance companies are raising rates across the country.
LINK (From the OT)
Insurance prices trend with used car prices, costs to repair, labor costs, delays due to short-staffed repair shops and parts shortages (which is, generally, also due to manufacturing shops being short-staffed). The issue is insurance tends to lag behind the previously mentioned trends, especially in Louisiana.
Insurance companies aren't allowed to adjust prices in real-time to reflect the changing market realities. They can only raise rates every 12 months due to odd rules within the Louisiana Department of Insurance.
It definitely sucks that rates are going up, but the insurance companies are just reacting to trends and following rules/laws that each state and department of insurance has.
Basic research could land you on dozens of articles, like this one LINK or this one LINK, that explain it in more detail.
We literally have a post on the OT complaining about used car prices being absurd and folks are wondering why insurance companies are raising rates across the country.
LINK (From the OT)
Insurance prices trend with used car prices, costs to repair, labor costs, delays due to short-staffed repair shops and parts shortages (which is, generally, also due to manufacturing shops being short-staffed). The issue is insurance tends to lag behind the previously mentioned trends, especially in Louisiana.
Insurance companies aren't allowed to adjust prices in real-time to reflect the changing market realities. They can only raise rates every 12 months due to odd rules within the Louisiana Department of Insurance.
It definitely sucks that rates are going up, but the insurance companies are just reacting to trends and following rules/laws that each state and department of insurance has.
Basic research could land you on dozens of articles, like this one LINK or this one LINK, that explain it in more detail.
re: Home Insurance Question
Posted by LSUgolf04 on 3/20/23 at 10:57 am
Generally not negotiable.
re: Homeowners Insurance - good news
Posted by LSUgolf04 on 3/17/23 at 8:18 am
This does nothing to solve the homeowners insurance issues in Louisiana.
re: Infinite banking with structured whole life policy?
Posted by LSUgolf04 on 8/12/21 at 8:20 am
What is the interest rate on the policy loan versus the guaranteed interest of the policy?
Seems like you could crash and burn HARD if interest on the loan outpaces the interest on the policy. Then, you'd lose all your money.
Seems like you could crash and burn HARD if interest on the loan outpaces the interest on the policy. Then, you'd lose all your money.
re: OK, I'm done with Terminix, suggestions on who to switch to.
Posted by LSUgolf04 on 6/8/21 at 9:14 pm
quote:
OK, I'm done with Terminix, suggestions on who to switch to.
Weird melt.
Terminix is very professional and affordable. Not sure why the hate.
I also don't see much differentiation from most companies. They spray the same shite.
re: Beef chuck roast
Posted by LSUgolf04 on 3/27/21 at 8:54 pm
What's your bayou roast recipe?
re: AstraZeneca Covid-19 Vaccine’s Benefits Outweigh Risks: WSJ
Posted by LSUgolf04 on 3/16/21 at 11:25 am
quote:
Yep, being a human guinea pig for an untested Immunotherapy is far better than catching a virus with a 98+% chance of survival.
I've already said this in this threat, but I guess I'll say it again:
So let me get this straight, you trust a Chinese-made virus more than an American-made vaccine?
re: AstraZeneca Covid-19 Vaccine’s Benefits Outweigh Risks: WSJ
Posted by LSUgolf04 on 3/16/21 at 11:03 am
quote:
100 million sheep does not equate to efficacy or necessity of getting a “vaccine” for something with a low rate of infection that you can easily recover from if you do get.
So let me get this straight, you trust a Chinese-made virus more than an American-made vaccine?
re: The Second World War came to an end 75 years ago today...
Posted by LSUgolf04 on 9/1/20 at 9:40 pm
So what did he say?
re: Laura - President Trump visits Lake Charles, Louisiana for Hurricane Response Update
Posted by LSUgolf04 on 8/27/20 at 6:29 am
Wonder how bad the damage is... any early reports out of Sulphur/Lake Charles?
re: Could’ve just gotten over Chinese Virus
Posted by LSUgolf04 on 3/23/20 at 7:56 pm
quote:
So ignorant to call it "Chinese". It's just the first place diagnosed. Should be obvious now that it was already in other countries well before it was first diagnosed.
Did your fairy feelings get hurt? Hopefully it hurt when you were swallowing that big load of Chinese propaganda.
Or, nice troll.
Either way.
re: Could’ve just gotten over Chinese Virus
Posted by LSUgolf04 on 3/23/20 at 7:53 pm
Maybe. Too bad the doc ran out of HIV tests too.
re: Could’ve just gotten over Chinese Virus
Posted by LSUgolf04 on 3/23/20 at 7:46 pm
Doc said it was not the flu.
I haven’t had a fever like that in 12 years. But wasn’t as bad as the flu when I got it in college.
I haven’t had a fever like that in 12 years. But wasn’t as bad as the flu when I got it in college.
Could’ve just gotten over Chinese Virus
Posted by LSUgolf04 on 3/23/20 at 7:40 pm
Wednesday - Fatigue, Head Ache, Chills
Wednesday Night - Fever over 102
Thursday - Fever (100-101) and some chills.
Friday - Dry Throat, slightly short of breath, but no fever.
Saturday - No symptoms
Sunday - No symptoms
Monday - No symptoms
My doc said it was probably corona time but wouldn’t test me since I’m in my early thirties.
Good thing we crashed the world economy for this.
Wednesday Night - Fever over 102
Thursday - Fever (100-101) and some chills.
Friday - Dry Throat, slightly short of breath, but no fever.
Saturday - No symptoms
Sunday - No symptoms
Monday - No symptoms
My doc said it was probably corona time but wouldn’t test me since I’m in my early thirties.
Good thing we crashed the world economy for this.
re: I have my retirement plans in American Funds 2060 target date stock
Posted by LSUgolf04 on 3/2/20 at 8:31 pm
No, you aren’t an idiot.
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