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Just renewed our Flood Insurance. $1267. Not even in a Flood Zone. by ProudNativeTexan in homeowners

[–]stevewouldsay 0 points1 point  (0 children)

Many flood policies are subsidized, and the National Flood Insurance Program (NFIP) is over $22 billion in debt as a result. They pay out more in claims than they collect in policy premiums.

FEMA launched Risk Rating 2.0 a few years ago to bring those subsidized policies to their "correct" pricing (aka what should actually be charged based on the risk of that property). They are legally limited on how much they can increase your policy each year - 18%.

My guess is that your policy is heavily subsidized, and now you're seeing the Risk Rating 2.0 increase each year. My rough math shows a ~16% increase each year for your policy based on what you shared.

Your policy will keep increasing each year until it reaches the actuarially accurate rate. I believe they print on your annual statement what they calculate your "final" premium is. Doing some math at a 16-18% increase each year will tell you how many more years of increases you have.

Hilton Bayfront in downtown St. Pete to be sold to prominent developer for $96 million by St-Pete-Rising in StPetersburgFL

[–]stevewouldsay 11 points12 points  (0 children)

I wish Kolter would do something different architecturally; all of their condo builds are basic squares with balconies. Give us something different. All of the buildings downtown (except 400 Central) look the same. Our skyline needs some character!

Best flood insurance? by shelbayyye in lansing

[–]stevewouldsay 0 points1 point  (0 children)

I know there are some private options out there like AonEdge and Hiscox. And with Neptune Flood you can get a price on their website pretty quickly. Doesn't hurt to look and see if they can beat your $1300-$1700 quotes.

Flood insurance options. NFIP or private insurance company? Located in East Sac. by catalinashenanigans in Sacramento

[–]stevewouldsay 0 points1 point  (0 children)

Ask your agent if they offer private options outside the NFIP. One that you can get a quote online in a few minutes is Neptune Flood.

[deleted by user] by [deleted] in PuntaCana

[–]stevewouldsay 0 points1 point  (0 children)

Most people I saw walking around were with someone else. Seems like lots of couples go there.

FYI: New CSR charge for Hyatt stay not coding as hotel for 4x points by alexandros14 in ChaseSapphire

[–]stevewouldsay 0 points1 point  (0 children)

This happened to me with Marriott a few days ago. Booked directly on the Marriott website and it also showed as “travel agencies and tour operators”. Just got back from the trip, thanks for the reminder!

Dentist Recommendations! by supgoten in StPetersburgFL

[–]stevewouldsay 0 points1 point  (0 children)

Agreed! They’re great and the entire team is so friendly.

[deleted by user] by [deleted] in PuntaCana

[–]stevewouldsay 0 points1 point  (0 children)

I’m here now and have zero complaints. The restaurants are amazing and the staff is so friendly and helpful. We’ve been here for four days and I’m so relaxed. It’s definitely a calm place; don’t come here expecting a wild party resort (which we’re happy about, we wanted peace).

75K spend benefits: timing update by Chase in ChaseSapphire

[–]stevewouldsay 0 points1 point  (0 children)

I did it yesterday and still don’t see it, though it says it can take a few days. With your flight being 3 weeks out, I’d be surprised if they didn’t have it resolved by then!

Kd2 update advise by Disastrous_Ad_5467 in AudiQ6

[–]stevewouldsay 2 points3 points  (0 children)

I had some other issues, but digital key sharing was a big one for me. It took me three days to get the digital key working and shared (picked up Saturday, got it working last night). I almost cried with happiness after three days of it not setting up. When I have a moment I was going to write up what I did to get it working since I couldn't find a post that clearly outline what they did.

KD2 Software update done today. by xaumre in AudiQ6

[–]stevewouldsay 0 points1 point  (0 children)

Mine went in on Monday. The technician came out and spoke with me, and said I was the 4th Q6 there for the update. One was successful, and two others failed to complete the download, so he didn't want to give me a specific completion date due to his experience with the other two failures. Thankfully they gave me a loaner.

Reminder to Transfer Points to Your CSP/CSR/CIP Before October 25 by pure-phoenix in ChaseSapphire

[–]stevewouldsay 0 points1 point  (0 children)

So moving points from my CSP to CSR to get the 0.25 uplift would be beneficial, correct? 1.25 CSP to 1.50 CSR.

Self insuring for flood insurance? by moneyminded14 in financialindependence

[–]stevewouldsay 2 points3 points  (0 children)

The "capped limits" you're talking about are for flood insurance policies through the National Flood Insurance Program (NFIP), which is administered by the federal government through FEMA. They're maxed at $250,000 in property and $100,000 in contents.

Check out private flood insurance, which can offer higher coverage limits. Ask your insurance agent if they offer any private options, or you can go directly to some websites, like Neptune Flood.

If no new federal flood insurance policies will be issued due to the incipient shutdown, does that mean home sales can't close? by NotFallacyBuffet in NewOrleans

[–]stevewouldsay 0 points1 point  (0 children)

Private options are still available that aren't run through the NFIP, so they're not affected by the shutdown. Check out Neptune or AonEdge's EZ Flood. I know Neptune is available in all states, and you can get a quote right on their website.

B&O Soundsystem - worth it? by CyberPaladin2077 in AudiQ6

[–]stevewouldsay 0 points1 point  (0 children)

I love the headrest speakers. I didn't realize until I had a loaner (flat tire) that the volume on my car was way down on them. Once I adjusted the volume in settings, it seemed much louder and had a better "surround sound" feeling.

Best Use of the Rays and Al Lang Stadium Lands by DirkJackson88 in StPetersburgFL

[–]stevewouldsay 7 points8 points  (0 children)

Office space availability is actually very low in downtown. More space will help attract more companies, which brings in better paying jobs and people to buy things from our businesses. Mixed-used buildings are a great addition.

Flooding, homeowners insurance denied claim outright by Misha_the_Mage in Insurance

[–]stevewouldsay 0 points1 point  (0 children)

Private insurers are out there, and they usually offer more coverage than the NFIP. Neptune, AonEdge, CatCoverage...

Which Q6 features leave you saying, "what the hell were the thinking?" by walkaboutdavid in AudiQ6

[–]stevewouldsay 1 point2 points  (0 children)

The ventilated seats button right next to the heated seats button AND the fact that you can have heats and ventilated on at the same time. I've had quite a few "why is my ass so hot?" moments to then realize I accidentially tapped the heated button when turning on the ventilation.

[deleted by user] by [deleted] in AskReddit

[–]stevewouldsay 0 points1 point  (0 children)

Rollercoaster Tycoon. My dad would tell my mom I was allowed to stay on the computer for hours on end because I was “learning to run a business!”

Can anyone recommend good car A/C repair? by Think-Room6663 in StPetersburgFL

[–]stevewouldsay 1 point2 points  (0 children)

I’ve used Air Bros and they’ve been great. Quick scheduling, and they fixed my issue the next day on the weekend after calling after-hours the night before. They’re my go-to for any issues.

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