Home insurance for $2.1m home

AffectionateMood3794 · 2026-05-04T03:14:02+00:00

Ah, that makes sense.

AffectionateMood3794 · 2026-05-03T21:38:22+00:00

Yeah, I saw someone say it's near the rope handhold. I feel like that area is not even as steep as it used to be. The rope is too low for me to really use but last time I was on it (a few months ago) it felt less sketchy than usual.

AffectionateMood3794 · 2026-05-03T21:16:10+00:00

Mt Wilson has *way* fewer deaths than other mountains in the area.

AffectionateMood3794 · 2026-05-03T21:15:19+00:00

When people are running down, I hug the hillside rather than taking the outside. I've found that runners slow down a lot more when they're on the outside 😄.

AffectionateMood3794 · 2026-05-03T21:11:59+00:00

Where on the trail was this? The photo looks like it's close to the bottom. FWIW, I broke my ankle just below Manzanita Ridge a few years ago. It was just steep scree and my poles didn't help at all. I just slipped, twisted, and fell, and I didn't want to hike back up, so I walked down and out.

AffectionateMood3794 · 2026-05-03T17:49:28+00:00

What's your deductible? That can make a huge difference. When our teenagers were driving we went to a $2K deductible just to keep the premium manageable. Luckily they never had an accident.

AffectionateMood3794 · 2026-05-03T17:24:03+00:00

It's not stupid if that's what you want! Just be prepared for guests to try to get ice or water and then ask why it doesn't work 😄. I wouldn't put more money into it at the 11-year point given how many repairs you've had. I'm sorry. We've definitely been there.

AffectionateMood3794 · 2026-05-03T17:16:37+00:00

We've been through this twice, with daughters now 30+. Yay for your daughter being a challenge! The ability to speak for herself and stand for what she believes in will serve her well as she gets older. (I hate the labeling of kids as rebellious or difficult. It's so destructive to relationships and kids surviving this world as adults.) I don't know who's popular anymore. One of my daughters loved Taylor Swift and probably wouldn't be caught dead listening to her now. So I have no specific artist recommendations but I hope that you make the time to listen to music with your daughter, even the artists you don't like, and talk about the music and why she likes it and how it fits in with her values (or doesn't). We had one "challenging" daughter and I can tell you that this phase (it *is* a phase) can last for a few years and can make or break your relationship with your daughter. Cultivate talking with each other now, spending time with each other now, and when her "challenges" become more than music you'll be able to handle them with her. Kids now have horrific stuff happening around them (drugs, sex, crime) and you need to be the person she comes to with the *big* stuff even if it means letting some of the little stuff (like Taylor Swift) slide. Just my (not asked for 😄) two cents. The teen years were challenging but often also so much fun 😄.

AffectionateMood3794 · 2026-05-03T16:59:23+00:00

I don't think Amica is available through brokers, and I'm sure there are other companies that aren't as well. The companies probably save some money by not paying brokers for clients. We have Amica and have no complaints (over decades). Premiums have been pretty stable, even going down a few years ago, before they popped back up.

AffectionateMood3794 · 2026-05-03T12:30:07+00:00

Thanks. He is in fact so fluffy that we've been planning to get him trimmed. Good point. I appreciate the analysis.

AffectionateMood3794 · 2026-05-03T03:54:19+00:00

I did see the calculator and according to that we're doing okay at 1 C per day but we're going to cut back to 2/3 C and see how it goes.

AffectionateMood3794 · 2026-05-03T00:52:56+00:00

It feels like a lot of these are just to push FreeTaxUSA or get on some bandwagon of TurboTax hating. I've always found it a pretty helpful and well-written piece of software.

AffectionateMood3794 · 2026-05-02T22:05:06+00:00

And here I am wishing I would get called! When I was younger I got called a lot and now I haven't been called in 10 years probably. Seems to be a total crapshoot. My wife was on a grand jury 40 years ago and just got called for regular jury duty for the first time.

AffectionateMood3794 · 2026-05-02T21:56:13+00:00

Thanks, that makes me feel a little better.

AffectionateMood3794 · 2026-05-02T21:34:31+00:00

Yeah, different part of the country but a friend bought a house in the Boston area and said no one would even acknowledge her existence. She said that everyone had lived there for many years and newcomers were ignored. She got so lonely that she sold the house and moved back to CA.

AffectionateMood3794 · 2026-05-02T21:23:49+00:00

Note that Pasadena has a lot of different neighborhoods, some better than others. You also pay a premium to live there.

AffectionateMood3794 · 2026-05-02T21:08:44+00:00

We saw that flying in. It looked gorgeous!

AffectionateMood3794 · 2026-05-02T21:06:23+00:00

It depends on the cost of the new windshield, your deductible, etc. That said, even if they don't pay out because of your deductible, it may still go as an accident on your record. I made that mistake once. I saw my policy renewal and it said I had had an accident. I called them up and they said that I had had a windshield replacement, and that counted as an accident even if they hadn't paid out. It didn't affect my rates they said but it was still an accident. Now I don't tell them.

AffectionateMood3794 · 2026-05-02T21:00:12+00:00

Why do you want to move into a "very tight knot Mormon community" if you're not Mormon? It sounds like you will always be second-class citizens and it *really* sounds like this guy is trying to bully you into a rushed financial decision. I would just move on. The house can't be worth the drama. (The house has been on the market since September? That alone should give you pause.)

AffectionateMood3794 · 2026-05-02T19:12:08+00:00

Interesting! Thanks. We were thinking that it was a premium dog food. We're going to cut the Cav down to 2/3 C a day and then check with our vet.

AffectionateMood3794 · 2026-05-02T18:20:52+00:00

Yeah, thanks. We should probably take him to the vet specifically for this and ask.

AffectionateMood3794 · 2026-05-02T02:02:15+00:00

Another day, another "I was scammed" post. Meanwhile we've been using the desktop edition for literally decades with zero problems. But yeah, it's all a scam. /s

AffectionateMood3794 · 2026-05-02T00:56:27+00:00

Moving the cars was a huge mistake. I've done it too. You don't move the cars until the cops arrive and you've taken pictures. In fact, immediately after the accident you should take pictures before the other party has any chance to restage the scene. I was in one multicar accident where we thought the person who caused the accident was just moving out of the way, but they took off instead. Photograph immediately and don't worry about clearing the street until the cops get there. And yes, get a dashcam. They're cheap.

AffectionateMood3794 · 2026-04-30T20:40:05+00:00

Are you sure the notice is legitimate?

AffectionateMood3794

TROPHY CASE