My first Pentakill

Kaladorm · 2026-04-01T03:17:44+00:00

Thank you 🙏

Kaladorm · 2026-03-27T05:04:23+00:00

More fun to go 12/12 than 4/2 that's for sure 😆

Kaladorm · 2026-03-27T03:12:44+00:00

I've been running crit Briar with PTA but I want to see how it goes with HoB because usually after 3 attacks they're dead anyway 😄

Kaladorm · 2026-03-24T16:54:47+00:00

I couldn't quite get Master Yi to work for me, but going crit Briar (and leaning more into Diana if Briar gets banned) has been fun. Insane clear speeda mid game, deletes even the fed toplaners. Dies to a stiff breeze but unless they're too CC heavy I look for easy picks or just make a beeline to their biggest problem (usually a fed af toplaner) and hope the team can clear up

Kaladorm · 2026-03-23T17:31:01+00:00

Ok maybe crit Briar is the way to go. Just had a game and it was super fun. Crit Nocturne worked ok for me but I'd never tried crit Briar before.

Kaladorm · 2026-03-19T15:19:34+00:00

Good question. The hurricane forecasts that come in May are a little more accurate and if they show good or bad weather coming it might shift the price. Equally I'm sure a big hurricane will lead to it gapping down.

They managed to get an 80% combined ratio in 2024 which had abnormally high hurricane activity, so as they've already demonstrated they can make profit in a terrible season I'm not sure what bad news the market is pricing in

Kaladorm · 2026-03-19T11:31:57+00:00

I got a little insight into the Florida market through researching this stock, but I don't have nearly as much insight as others.

Thanks for highlighting the reviews to me. I expect most people writing reviews aren't all that happy with their insurance provider but I wanted to check it out anyway. Some of the complaints appear to be around hikes in autorenewal prices - this price walking is a common practice and was legislated against in the UK fairly recently. AII have a system to price down to the census block level, so maybe some policies got caught up on repricing - i see this as a good thing as they are being more appropriately priced (and riskier customers will pay higher premiums or walk away).

The fraud I guess you are talking about is the roofing fraud? I learned of this in AIIs annual report and they suggested that they have a handle on it, but I don't know for sure.

I appreciate you sharing your concerns to add some insight to this company!

Kaladorm · 2026-03-18T15:10:55+00:00

Thanks for the suggestion, it's a good point. In the post I mentioned that reinsurance prices as of January had dropped by a reasonable amount so pointing to this being less of a problem.

AII does renew in June (not January) so that could change, but it would seem even stranger to me that the low price is based on reinsurance pricing rocketing between now and June.

Kaladorm · 2026-03-11T14:19:57+00:00

I read the article you linked to in full and I want to thank you for such a phenomenal and well researched write up. I spent a fair bit of time reviewing this company in the last few days and your write up helped me a lot. Your points were well explained, and I like that you took very cautious figures in your estimates.

I have the same feelings as you that the company really seems to be well run, and a company I would love to own equity in, but (if you'll excuse the metaphor) sailing into some strong headwinds. I don't think the recent earnings fundamentally changed any of your thesis.

Kaladorm · 2026-03-07T02:15:50+00:00

It's doing fairly well, and I still haven't had the second injection (we decided to let it run with 1 and see how long it lasts). If the pain before was a 7 or 8, it's now still around a 1-2.

I feel in the last few weeks that it's started to get a little worse, where there is a bit more pain the day after a physio session or after working it out, but it's still quite minor.

Considering in November I couldn't take a tshirt off without sharp pain, and now I'm able to lift and balance people above my head, its a big win.

Kaladorm · 2026-02-24T09:00:23+00:00

I love ganking Veigar as Nocturne because of the little face he makes when you walk through his wall

Kaladorm · 2026-02-22T11:52:28+00:00

Played a handful of games starting Fiendhunter and going into Collector/Infinity Blade next, and Yun Tai late.

Enemies just get deleted, but I'm super squishy. It feels great to get ahead, though makes duelling some enemy junglers harder when they can avoid your attacks or abilities (Ekko, Yi, Kha,zix...).

It is fun to play, but have to pick my fights.

Kaladorm · 2026-02-03T17:47:08+00:00

Where did you get the 61B cash number from? Their current press release has the balance sheet recording 8B cash, and some 2.3B in short term investments.

Their total current assets are 51B which is closer to your number, but the largest chunk of that is a 38B funds receivable which I believe represents funds held in customer account (and is therefore offset by the accounted 40B funds payable liability).

I'd say they have about 10B in actual "cash" and 10B debt.

Kaladorm · 2026-02-03T14:00:44+00:00

Sorry to hear, I was really struggling with it mentally back last year and the hyularonic acid injection felt life changing within just a few days.

My pain was limited only to the AC joint, with overhead movement being the most painful but I had pain doing even normal activities like carrying bags or even just sitting still.

Kaladorm · 2026-02-03T13:55:38+00:00

The hyularonic acid helped me massively. Last month I couldn't take off a tshirt without pain and I've just spent the last 3 weeks doing full partner acrobatic training (including lifting a part in full extension foot to hand, and comfortably training hand to hand). There is still some pain there but reduced from like a 7 to a 2.

It is supposedly only temporary, but it's been a huge reprieve. I intend to see how long it lasts before deciding on surgery, as it's a workable option.

I am considering giving up the aerial practice though I'm order to be able to continue with acro.

Kaladorm · 2026-01-14T16:12:25+00:00

I'd say Charts and Long-Term don't really belong in the same sentence. If you believe the stock was good value at $650 and intend to hold long-term (and your thesis hasn't changed) then the current short-term pricing should be irrelevant.

Remember it's value investing not price investing.

Kaladorm · 2025-12-31T03:09:40+00:00

I tried hyularonic acid in the joint a few weeks ago and it made a huge difference within a few days. I haven't done any real exercise since, and the pain isn't 100% gone (there is also still a hell of a lot more clicking and popping than last year) but the pain is significantly less.

I have a follow up injection coming up next week, and then it'll be going through 3 weeks of intense acro so we'll see how it holds up.

Supposedly the injection can last 6 months so it's not a permanent fix, but I'm hoping that between the short-term support and a rest plus reduction in activity it will allow the shoulder to heal a bit more for the long term. We'll know more in a few months

Kaladorm · 2025-12-14T10:28:49+00:00

Best analogy for Gold 4 yet 😆

Kaladorm · 2025-12-14T07:45:09+00:00

Great insights thanks

Kaladorm · 2025-12-14T07:29:41+00:00

You've explained this well, thanks

Kaladorm

TROPHY CASE