(01-15-2025, 09:40 PM)Jag149 Wrote: [ -> ] (01-15-2025, 08:15 PM)p_rushing Wrote: [ -> ]The stuff in US versions of products is way too high compared to Europe and other places
I believe it also is severely underfunded and has nowhere near the required money.
While true that State Farm left, most were able to get other private insurance.
Sent from my SM-T970 using Tapatalk
State Farm left because the Democratic legislators engaged in price fixing, not allowing the companies to charge rates commensurate with the risks. Seems the state jumped in and now is holding the bag they wanted to force the insurance companies to. This should only add to the State's large budget deficit. Seems they are running the state into the ground financially.
LA County also zoned people out of the less fire-prone areas. Most of the flat land out there is zoned single family even though there is a lot of demand and a lot of places to put multifamily housing.
(01-15-2025, 09:40 PM)Jag149 Wrote: [ -> ] (01-15-2025, 08:15 PM)p_rushing Wrote: [ -> ]The stuff in US versions of products is way too high compared to Europe and other places
I believe it also is severely underfunded and has nowhere near the required money.
While true that State Farm left, most were able to get other private insurance.
Sent from my SM-T970 using Tapatalk
State Farm left because the Democratic legislators engaged in price fixing, not allowing the companies to charge rates commensurate with the risks. Seems the state jumped in and now is holding the bag they wanted to force the insurance companies to. This should only add to the State's large budget deficit. Seems they are running the state into the ground financially.
Right. California has limitations that prevent insurance companies from increasing policies more than 10% so State Farm decided not to renew policies due to risk. That said, it was revealed on CNN that residents of Oklahoma pay more insurance premiums than residents of California. We're in a no win situation because our rates here in Florida have skyrocketed due to risk and the lack of limitations in place. Personally, I'd love to see the Gov kick in with assistance to pay premiums and then state if you don't have insurance, it's on you so don't expect FEMA and other agencies to bail you out. It's likely our insurance will go up as a result of these Wildfires since insurance companies need to recoup payouts from their existing customers ..... kind of like the healthy 25 year old paying health insurance which really benefits the unhealthy 75 year old --- hospitals need to make their money and doctors need paid.
(01-16-2025, 08:19 AM)mikesez Wrote: [ -> ] (01-15-2025, 09:40 PM)Jag149 Wrote: [ -> ]State Farm left because the Democratic legislators engaged in price fixing, not allowing the companies to charge rates commensurate with the risks. Seems the state jumped in and now is holding the bag they wanted to force the insurance companies to. This should only add to the State's large budget deficit. Seems they are running the state into the ground financially.
LA County also zoned people out of the less fire-prone areas. Most of the flat land out there is zoned single family even though there is a lot of demand and a lot of places to put multifamily housing.
?? has nothing to do with the Democrats failed attempt to price fix insurance rates or the disappearance of the 100 million dollar budget surplus they had about 6-7 years ago. ???
(01-16-2025, 11:59 AM)Jag149 Wrote: [ -> ] (01-16-2025, 08:19 AM)mikesez Wrote: [ -> ]LA County also zoned people out of the less fire-prone areas. Most of the flat land out there is zoned single family even though there is a lot of demand and a lot of places to put multifamily housing.
?? has nothing to do with the Democrats failed attempt to price fix insurance rates or the disappearance of the 100 million dollar budget surplus they had about 6-7 years ago. ???
Those things are true also. See the word "also" in my original comment.
A tragedy like this can have more than one cause.
(01-16-2025, 12:28 PM)mikesez Wrote: [ -> ] (01-16-2025, 11:59 AM)Jag149 Wrote: [ -> ]?? has nothing to do with the Democrats failed attempt to price fix insurance rates or the disappearance of the 100 million dollar budget surplus they had about 6-7 years ago. ???
Those things are true also. See the word "also" in my original comment.
A tragedy like this can have more than one cause.
The cause is the refusal to manage the land properly by the Democrat led super majority. Money for controlled burns, filling reservoirs (this was suppose to be done 8 years ago during Trump's first term) assigning by the fire management too few resources to the initial fire. They do these basic things and we do not have the issue today. The insurance companies were raising rates BECAUSE these things raised the risk. It is not like they were not told. The cause is not due to zoning of land the way you want California to zone.
(01-16-2025, 12:55 PM)Jag149 Wrote: [ -> ] (01-16-2025, 12:28 PM)mikesez Wrote: [ -> ]Those things are true also. See the word "also" in my original comment.
A tragedy like this can have more than one cause.
The cause is the refusal to manage the land properly by the Democrat led super majority. Money for controlled burns, filling reservoirs (this was suppose to be done 8 years ago during Trump's first term) assigning by the fire management too few resources to the initial fire. They do these basic things and we do not have the issue today. The insurance companies were raising rates BECAUSE these things raised the risk. It is not like they were not told. The cause is not due to zoning of land the way you want California to zone.
The zoning makes matters worse.
You have already explained that the insurance regulation makes insurance in high risk areas less expensive than it should be, while making insurance in low risk areas more expensive than it should be. Insurance cost is a component of housing cost.
The zoning has exactly the same effect on the total cost of housing, and the two effects add together. They direct people to high risk housing and away from low risk housing.
If you were more of a free market conservative you would understand this intuitively.
(01-16-2025, 01:13 PM)mikesez Wrote: [ -> ] (01-16-2025, 12:55 PM)Jag149 Wrote: [ -> ]The cause is the refusal to manage the land properly by the Democrat led super majority. Money for controlled burns, filling reservoirs (this was suppose to be done 8 years ago during Trump's first term) assigning by the fire management too few resources to the initial fire. They do these basic things and we do not have the issue today. The insurance companies were raising rates BECAUSE these things raised the risk. It is not like they were not told. The cause is not due to zoning of land the way you want California to zone.
The zoning makes matters worse. Not if you manage the land the irresponsible way it was.
You have already explained that the insurance regulation makes insurance in high risk areas less expensive than it should be, while making insurance in low risk areas more expensive than it should be. Insurance cost is a component of housing cost. I said the failure to manage the land properly led to the insurance companies need to raise premiums.
The zoning has exactly the same effect on the total cost of housing, and the two effects add together. They direct people to high risk housing and away from low risk housing. You have no right to tell the local people how to zone property in their area. You do not get to direct people.
If you were more of a free market conservative you would understand this intuitively. You have no idea of what I am based on these responses.
Bottom line if the leadership in California had done their primary jobs first before getting distracted by shiny objects/issues these fires would not have occurred. That is the root cause. Zoning plays no part in that. You can argue the increased power distribution placed strain on a fragile infrastructure due to California's electric car mandates also caused this but really it doesn't.
That West Coast swamp is under attack..
![[Image: Seshb.jpg]](https://s13.gifyu.com/images/Seshb.jpg)
(01-16-2025, 01:56 PM)Jag149 Wrote: [ -> ] (01-16-2025, 01:13 PM)mikesez Wrote: [ -> ]The zoning makes matters worse. Not if you manage the land the irresponsible way it was.
You have already explained that the insurance regulation makes insurance in high risk areas less expensive than it should be, while making insurance in low risk areas more expensive than it should be. Insurance cost is a component of housing cost. I said the failure to manage the land properly led to the insurance companies need to raise premiums.
The zoning has exactly the same effect on the total cost of housing, and the two effects add together. They direct people to high risk housing and away from low risk housing. You have no right to tell the local people how to zone property in their area. You do not get to direct people.
If you were more of a free market conservative you would understand this intuitively. You have no idea of what I am based on these responses.
Bottom line if the leadership in California had done their primary jobs first before getting distracted by shiny objects/issues these fires would not have occurred. That is the root cause. Zoning plays no part in that. You can argue the increased power distribution placed strain on a fragile infrastructure due to California's electric car mandates also caused this but really it doesn't.
Quote:You have no right to tell the local people how to zone property manage park land in their area. You do not get to direct people.
Hubris. Constant hubris on this board.
(01-16-2025, 02:42 PM)mikesez Wrote: [ -> ] (01-16-2025, 01:56 PM)Jag149 Wrote: [ -> ]Bottom line if the leadership in California had done their primary jobs first before getting distracted by shiny objects/issues these fires would not have occurred. That is the root cause. Zoning plays no part in that. You can argue the increased power distribution placed strain on a fragile infrastructure due to California's electric car mandates also caused this but really it doesn't.
Quote:You have no right to tell the local people how to zone property manage park land in their area. You do not get to direct people.
Hubris. Constant hubris on this board.
LOL this is why I do not play chess with pigeons. They walk around, mess up the board, then strut like they did something. lol
(01-16-2025, 02:58 PM)Jag149 Wrote: [ -> ] (01-16-2025, 02:42 PM)mikesez Wrote: [ -> ]Hubris. Constant hubris on this board.
LOL this is why I do not play chess with pigeons. They walk around, mess up the board, then strut like they did something. lol
At that same time, winning a chess match against him isn't really anything to brag about.. Dude wears a football helmet to the grocery store and has guard rails on his bed..
Joe giving a farewell speech is like an encore at a Yoko Ono concert
(01-15-2025, 11:09 AM)mikesez Wrote: [ -> ]Hegseth isn't qualified, but his response to Warren's question was no big deal. A bit too curt, but it was a long hearing with a lot of pointless questions (from both parties).
I'm tempted to say he should be confirmed anyhow because this is what the people voted for, but Trump did not campaign on putting novices in charge of government departments.
It is so nice to see people selected for leadership positions based on qualifications and merit rather than DEI like your democrat party does.
(01-16-2025, 02:58 PM)Jag149 Wrote: [ -> ] (01-16-2025, 02:42 PM)mikesez Wrote: [ -> ]Hubris. Constant hubris on this board.
LOL this is why I do not play chess with pigeons. They walk around, mess up the board, then strut like they did something. lol
Why are you allowed to criticize California's park land management when you won't allow me to criticize California's zoning? It's hypocrisy.
![[Image: 473713773-944730360962705-465176811970185745-n.jpg]](https://i.ibb.co/Sf00WqR/473713773-944730360962705-465176811970185745-n.jpg)
![[Image: 473672722-9992439200782374-4166870120480148016-n.jpg]](https://i.ibb.co/CHVGxcV/473672722-9992439200782374-4166870120480148016-n.jpg)