13 posts shown.
Ronald Jones26 said:Anyone else here catch the show?
Honestly, I was pretty let down. Reading reviews calling it "mind-blowing" makes me wonder if they were even there, or if it was just me.
Maybe the writer hasn't been to Manhattan for that first killer concert in ages, whereas I have, so my expectations were just way too high?
They mashed all the good old tracks into this one single rhythm, so you couldn't tell them apart unless you knew the lyrics. It was actually kind of bad. Just the same beat over and over, endless choruses that felt like chanting at a football stadium, music totally sacrificed for tempo...
From what I saw, only the fan pit was dancing, and even they were losing energy toward the back. Most of the crowd just stood there looking like, "When are they gonna play the classics?" Like they didn't even recognize the songs.
Everything said about the music getting worse is spot on, but man, the organization and venue were trash. Beer lines were insane—waited like 20 minutes just for some watered-down brew. There were puddles everywhere on the floor. And the VIP stuff? Some people get fan pit access and others don't, even with tickets under $200. As for the music, after the shows in Philly and Chicago, this was weak. The first half was all mid-tempo, though the second half picked up a bit, especially during the hits. The crowd felt a little older, too—not much hype. I can't speak for the pit, but the rest of us were pretty chill. It could've been better, honestly. He needs to keep the tempo up; these slow vibes just don't work live.
Maybe just get one person to lead the chanting instead of those ten guys, and grab a decent megaphone
darkranger232 said:I actually called State Farm the other day to get some clarity on how their surcharges work, and honestly, this super rude, unpleasant lady on the phone told me that just one single claim bumps you up three levels on the penalty scale. So according to their math, I'm jumping straight to 150%. Man, I felt physically sick just doing the math on what my registration and insurance costs are going to look like now.
Yeah, it's a straight drop of 3 levels, which sucks. But hey, I guess the good news is that the malus expires after 3 years. So if you pick up a new car after 3 years, you start back at 100% instead of being stuck at 150%.
[QUOTE=fadedlynx6;38972328]I don't really get you, if someone's never had a car before they start at 5%, then next year it's 10%, and it goes up by 5% every year until you hit 50%.[/QUOTE
true, takes like 9 years to actually hit that 50% discount, so it's 5, 10, 15, 20, 25, 30, 35, 40, 45, 50, I guess
never actually had a car in my own name, but apparently if you have an accident, you just jump straight into a malus of 50% immediately. doesn't make much sense, but eh, so yeah, it's not even about how many accidents you have, you just go straight to malus[/QUOTE]
fadedlynx6 said:Basically, if their current policy has a 50% discount, the second car gets half that—25%. If they have 30%, the second one gets 15%...
Now, I'm not sure if the accident database ever expires because insurance companies have too much skin in the game. I know you lose your good driver discount if you don't renew for three years, but I'm not certain about the surcharges since those live in a separate claims database.
If that surcharge doesn't expire, it just follows you forever until you're rid of it...
What on earth did you do to rack up three accidents in such a short window?
it wasn't really in a short time, more like over the last 10 years. And it wasn't three, just two. But the main thing with the malus is this
If you haven't had your own car or your own policy before, things might look bad. I think you'd start with a 50% malus, so the premium could be pretty pricey.
meaning you automatically drop three levels. So instead of 115 or 130, it jumps straight to 150. Then it would probably take me 4 years to get back to a zero discount. But the malus shouldn't follow me when I buy a second new car, so I guess I'd start from 0% bonus again.
fadedlynx6 said:Not sure if you're stuck in their system forever or not, but I know that if you earn a safe driver discount and don't own a car for three years, that discount vanishes. In your case, it’s likely what you think—you're flagged as high-risk in the database, and apparently, those records don't just disappear.
A gift deed without paying taxes only works for direct family, like a father to a son or daughter... moving down the line. You can't just give a car to your dad tax-free. And if you can't avoid the tax anyway, you might as well just fake a sale; there's less paperwork involved than a gift deed.
ok so i'll probably gotta pay some tax, maybe around $600 if anything, idk. say like maybe $67, plus getting the new title and registration done is maybe $67, total like 2200. with the surcharge i'd be looking at 5400. but if i just used someone else's insurance with a 0% bonus, maybe even 25%? since it would be a second car under the same person, maybe they automatically give 25% for a second vehicle? that seems like the best move, i guess. though if i get another car later, maybe the surcharge won't hit me and i'll start at 0% again. but this way it takes 3 years to hit 0% bonus, right? is that how it works?
fadedlynx6 said:Basically, you started with zero discount, then caused an accident. If that's the case, you're looking at a 115% rate—meaning you're paying a 15% premium over the base price.
The surcharge scale works like this:
0%
115%
130%
150%
170%
190%
210%
230%
250%
The discount scale looks like this:
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
So, if you cause damage before even building up a discount, you hit 115%. A second accident bumps you to 130%. It takes until the third one to hit that 150% mark...
aha so they actually have my records... I guess that's why my rate is so high since I had two accidents a few years back and another one last year. so that's that 50% hike
is it smart to just transfer the car title to someone else via a gift deed so I don't get hit with this surcharge?
and does this stuff stay on my record forever, like even if I wait 10 years to put a car in my name and insure it again?
Tyler Price7 said:Insurance folks told me my deductible is 50%, but I guess I don't really know the actual dollar amount for damage that bad on someone else's car.
if that 50% thing wasn't there and insurance covered 100%, it would be like $3,800, but since it is, I'll probably end up paying more than $1667
fadedlynx6 said:So, how much of a deficit are you actually running in total?
Insurance folks told me my deductible is 50%, but I guess I don't really know the actual dollar amount for damage that bad on someone else's car.
fadedlynx6 said:But if there's a notarized bill of sale, all that goes out the window; then this guy will just end up owing the IRS interest.
When selling a vehicle, always make sure to $7.25 and get your copy notarized if the registration isn't canceled and transferred on the same day.
Man, I'll just report it to the IRS and pay everything off. But since I'm missing that 50% discount, I guess I might have to set it up as a gift, though even then I’d probably owe a 5% tax. I'm not exactly a genius, you know? So does that mean I gotta pay for insurance through $1667 first, and then wait like four years to hit that 100% no-claims bonus? Kind of a bummer, since the damage on my other car was barely anything 😢
I wonder if there’s any way to dodge that surcharge when you're setting up your first policy? I know they don't do that 50% discount thing anymore, but maybe there's some way to lower the penalty or something... I guess I'm just guessing here
So basically, my skin was totally fine during my teens, but lately—over the last couple of years—my face just turns crazy red if I have a drink or even if I just get a bit worked up. It’s mostly like, when I wake up my face is already flushed, and man, if it's hot out or if I've had a little bit to drink, it gets absolutely ridiculous. I guess I'm just wondering what might be causing this and if there's any way to actually fix it