OT - NO POLITICS Autumn edition- foliage, cider doughnuts & pumpkin everything.
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Bruinaura
Resident Cookie Monster
- Mar 29, 2014
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Jack Jones dead at 86: Grammy-winning singer passes away
Jones passed Wednesday night, his family announced, according to KESQ.www.dailymail.co.uk
Ah yes, the good old days when TV shows had memorable theme songs
One of the scariest investments to me is a condo. We are home owners but thought about a condo as we get older. The fees can be crazy and if extra renos are needed, it can be astronomical.
Recently, a condo in Toronto needs major repairs and the cost is an extra $70,000 per unit! It would be cheaper to hire people to take care of the grass, snow clearing, etc., and stay in the house. Of course, health issues may not allow that.
Recently, a condo in Toronto needs major repairs and the cost is an extra $70,000 per unit! It would be cheaper to hire people to take care of the grass, snow clearing, etc., and stay in the house. Of course, health issues may not allow that.
Bruinaura
Resident Cookie Monster
- Mar 29, 2014
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We have some 55+ communities around here, with small homes where I believe lawn maintenance is included. Someday that is probably something I'll consider since I'm only a couple years away from qualifying now
I think small houses that are condos are a better investment than high rises. We had one condo here, a few years ago, that needed new balconies due to them being unsafe. It was also a huge bill to the tenants.We have some 55+ communities around here, with small homes where I believe lawn maintenance is included. Someday that is probably something I'll consider since I'm only a couple years away from qualifying now
I think that may be our next/ final move. A free standing condo.
I have segued into somebody else doing lawn and leaves. I contracted a local outfit here to handle the snow. Hopefully he shows up.
Would like to stay here about another 5 years until the dogs have passed.
Then there are the horror stories like what happened in Miami. At least i think that’s where it was. That huge building that went down and killed a bunch of people, and then it turns out that there was some different stories on building maintenance and costs associated with it, and who told who etc etc
Scary to think about. I just want my own shit thank you very much lol
I have started to look into similar housing for my father. The condo fees are just outrageous, which on their own I could probably stomach. But then the asking price on even run down dated places in not-so-great areas is through the roof too. Makes the monthly cost unreasonable for the time being.
I am more than happy to pay the 50 bucks to a local guy to come cut the grass, and a few hundred for the big clean out at the end of the year. We’ve been doing that for 7 years now. I regret nothing.
connections is the best. On april fools they had one with pictures. it was even better abd harder.That's the long-term play. My daughter is getting serious about buying a place. I am encouraging her to jump in now with the idea that she can refinance in a year or so is relatively comforting.
I've always done Wordle. Gordle just ended, that was a bummer. My daughter got me into Connections and Strands as well. Great way to kill time on a boring conference call.
You'll get the hang of Connections soon enough, although some of them still go right over my head.
Johnny Upton
Registered User
The Mrs and I have discussed possibly moving to her hometown in Western New York at some point down the road, but those rates are definitely putting the squash on that right now. We got lucky and bought in early 2020 and our rate is below 3%. Anything we buy out there would be much higher and hurt our buying power.
I am absolutely hooked on Strands! It’s a good 5 minute time waster.I've always done Wordle. Gordle just ended, that was a bummer. My daughter got me into Connections and Strands as well. Great way to kill time on a boring conference call.
You'll get the hang of Connections soon enough, although some of them still go right over my head.
In Toronto for Iron Maiden.... watching the Bruins on hotel TV ...yea ME!!!!
smithformeragent
Moderator
Last night a house across from us, one street over, burned down and the two vehicles in the driveway also burned - so scary to see. It was intense - no one was home so they don't know the cause. I hope there were no animals inside. I worked with someone whose house burned down and they never found one of her cats, it has haunted her since because she doesn't know if he ran away or if he was still inside. A neighbour got her other cat and her dog out - she was at work at the time.
I'm telling you right now do not look for any reduction in property insurance rates in the near future. We're in the worst cycle I've seen since entering the industry in the early 1980s. A perfect storm of factors is driving this cycle & it's terrible, companies are exiting the market entirely it is so bad.
Oh i expect that figure to rise consistently until I die lol.
We had some issues with this house being within a mile and a half from the ocean, despite being much higher and this area literally never flooding once ever in its existence. A lot of shops wouldn’t touch us. Then on one of our two families, since we had to switch the policy over to reflect that we are no longer living there and that doubled the premium.
My auto policies all jumped as well
Everybody always wins, everybody but me lol
Sheppy
Registered User
Bruinaura
Resident Cookie Monster
- Mar 29, 2014
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My brother's house burned a few years ago. They were on their way to a movie and their neighbor called and told him there were flames shooting out of the upstairs bedroom window.
Thankfully their dog was in his outside kennel that day.
It was an old house, suspected electrical issue. It was left standing but had to be condemned and eventually torn down. They were able to get a few belongings out but not much.
I have a condex. It is like a townhouse. I have one neighbor and we live in the woods. We pay no monthly fees and split the cost for snow plowing the driveway etc. Years ago I lived where there were condo fees and they were not handled well. I like having control!
Well there are reasons for what you went through:
1. Distance to water is a big issue not just because of the water but also because of the winds. And even if it has never flooded where you are there's always that one freak storm.... I'm surprised your bank didn't require flood insurance as a condition for getting the mortgage.
2. Yes, a homeowners insurance policy only applies to owner occupied homes. If you're renting it out it is now non-owner occupied & as a class of business these properties have more frequent and more severe claims so policies covering them cost a lot more money.
3. I'm not sure why your car insurance went up. Your company may be experiencing higher payouts for liability & medical claims. Also the cost of labor & parts to fix a car has, like everything else, skyrocketed.
For savings I'd look at higher deductibles on the property policies, there can be some real savings there. There may be other extra credits available (renovation, alarm system etc)
Oh we went through all policies with our agent, line by line and saved a few bucks wherever possible.Well there are reasons for what you went through:
1. Distance to water is a big issue not just because of the water but also because of the winds. And even if it has never flooded where you are there's always that one freak storm.... I'm surprised your bank didn't require flood insurance as a condition for getting the mortgage.
2. Yes, a homeowners insurance policy only applies to owner occupied homes. If you're renting it out it is now non-owner occupied & as a class of business these properties have more frequent and more severe claims so policies covering them cost a lot more money.
3. I'm not sure why your car insurance went up. Your company may be experiencing higher payouts for liability & medical claims. Also the cost of labor & parts to fix a car has, like everything else, skyrocketed.
For savings I'd look at higher deductibles on the property policies, there can be some real savings there. There may be other extra credits available (renovation, alarm system etc)
My car insurance went up, but it was REALLY going up because I’m changing my address. Luckily we caught a break by grouping our two cars together and combining with the home owners policy. The rental property is an entirely different beast
It’s clear you’re a subject matter expert and I appreciate when you share that expertise as I’m sure others doWell there are reasons for what you went through:
1. Distance to water is a big issue not just because of the water but also because of the winds. And even if it has never flooded where you are there's always that one freak storm.... I'm surprised your bank didn't require flood insurance as a condition for getting the mortgage.
2. Yes, a homeowners insurance policy only applies to owner occupied homes. If you're renting it out it is now non-owner occupied & as a class of business these properties have more frequent and more severe claims so policies covering them cost a lot more money.
3. I'm not sure why your car insurance went up. Your company may be experiencing higher payouts for liability & medical claims. Also the cost of labor & parts to fix a car has, like everything else, skyrocketed.
For savings I'd look at higher deductibles on the property policies, there can be some real savings there. There may be other extra credits available (renovation, alarm system etc)
I was surprised when my car insurance didn't go up much at all when I went from a 13 year old car to a new one. My insurance agent said it was because my new car was rated very high for safetyWell there are reasons for what you went through:
1. Distance to water is a big issue not just because of the water but also because of the winds. And even if it has never flooded where you are there's always that one freak storm.... I'm surprised your bank didn't require flood insurance as a condition for getting the mortgage.
2. Yes, a homeowners insurance policy only applies to owner occupied homes. If you're renting it out it is now non-owner occupied & as a class of business these properties have more frequent and more severe claims so policies covering them cost a lot more money.
3. I'm not sure why your car insurance went up. Your company may be experiencing higher payouts for liability & medical claims. Also the cost of labor & parts to fix a car has, like everything else, skyrocketed.
For savings I'd look at higher deductibles on the property policies, there can be some real savings there. There may be other extra credits available (renovation, alarm system etc)
Makes sense. I had an increase because hybrids are generally more $ to repair, and the dreaded Kia theft. Even though my particular model has nothing to do with the easy to steal Kia/Hyundai thing, they still lumped it in. They of course I moved to a city.
I was pretty much only covered for damage/injury to others on my previous car because it was old and didn’t owe me a penny. When i bumped up some coverages on my current car it was just a perfect storm of the things mentioned above. I went from roughly $500 a year to over a grand. I still think my premium is reasonable, but any costs going up more than 100 percent is never easy
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