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Posts by ironmoose6

42 posts shown.

Car Insurance: What are your experiences? in Banking, Insurance & Loans ·
Hannah Allen5 said:You’re looking at amounts that are basically *1000 times higher than what you think.

I guess it applies to everyone who got hurt in the car accident, assuming there’s actually a legal basis to demand a payout—like if the insured driver was clearly at fault, maybe because they were driving like a maniac, cruising without a license, or being totally reckless by driving on summer tires in a blizzard or something like that.

So, does Accenture step in there?
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Car Insurance: What are your experiences? in Banking, Insurance & Loans ·
I’m sitting here staring at my insurance policy, and I see this listed:

- Coverage per claim:

-$14250 for individuals

-$2833 for property
---------------------
Now, just to be clear, this is all part of my basic policy—no extra riders or add-ons included...

What does this actually mean in plain English, and who specifically is covered under these terms?
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Mistaken wire transfer/payment error in Banking, Insurance & Loans ·
Let’s look at a hypothetical scenario. About two and a half months ago, a certain company owed me, say, 11 units of currency. We had an agreement where they’d settle 7 of those units immediately in cash—which they did—and the remaining 4 would be wired to my checking account.

Here’s the twist: instead of just sending the 4 units left on the balance, they went ahead and wired the full 11 units to my account. It’s been two and a half months now, and despite having all my contact information on file, nobody from the firm has reached out to mention the mistake. I’m curious, though—in a situation like this, what is the statute of limitations on claiming such funds?

Just to be crystal clear, and again, this is purely hypothetical: if they had contacted me right away, or if they were reaching out to me this very second, I would have returned the money immediately. Honestly, I would have told them to just come by and pick it up.
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Immigration General Discussion Volume IV (Read the first post and moderator warning on page 309) in Close to Politics ·
There are specific regions where the US really needs to reinforce its border security to ensure the system actually works as intended.map
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Confidence issues when it comes to the opposite sex in Psychology ·
Thomas Nelson25 said:I've noticed that women with lower self-esteem or a lot of hang-ups tend to lean more into those power games—just draining a guy's energy constantly. It makes sense if you think about it.

Basically, more stable women don't manipulate much, and if they do, it's usually for a specific reason... whereas for the other group, it's just a reflection of their own internal mess.

Why do you think some guys might see you differently than how things used to be? Maybe it’s just the vibe you're putting out or how you carry yourself... what kind of love are you actually looking for?

Ugh, I’ve definitely felt this one personally.😁
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Nosy banks in Banking, Insurance & Loans ·
I decided to head down to Bank of America the other day to put some extra cash into a CD, and I ended up being slapped with this massive questionnaire:

Now, look, the first few questions are standard enough. They need to know if I’m already a customer, my Social Security number, my taxpayer ID, driver's license info, home address, and where I was born. Fine. It makes sense they’d also want my cell number and an email address so they can reach me if something goes sideways.

But then? Then things get weird. They start digging into personal details that have absolutely nothing to do with the agreement I'm trying to sign... They insist on asking for my phone number again (seriously, why do they need it twice?), and then it turns into an interrogation about whether I'm married or single, my employment status, my education level, exactly how much I pull in per month, my total years of work experience, and how long I've been at my current gig. Honestly, what on earth is the point?
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Car Insurance: What are your experiences? in Banking, Insurance & Loans ·
Charles Stewart60 said:I wouldn't say that's quite how it works, 😒

The vast majority of cars on the road don't even carry full collision insurance 🙂
and since premiums are skyrocketing for everyone—mostly because we're losing money on more and more of those policies lately...

Basically, looks like we've got another brutal year ahead of us.🐔

Personally? I don't feel like I'm paying a dime for my full coverage... actually, I know I'm coming out ahead. You guys are paying more to the insurance companies than I am to you.

If prices keep climbing, I paid $1,700 last year, but a couple of years ago $433..

I still remember back when things really hit the fan four years ago and you had to cough up a fortune $4000😁, then again $1933, then last year $1300, and honestly, this year is going to be just as painful as what I shelled out last time.😁
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Car Insurance: What are your experiences? in Banking, Insurance & Loans ·
urbanharbor95 said:You can get it from pretty much any insurance provider, though I guess it just makes the most sense to bundle your collision coverage with your basic liability policy at the same place.

I disagree entirely. That’s actually not how it works most of the time—bundling mandatory coverage often makes the collision part more expensive, and vice versa.

For instance, last year I set up my liability through Allianz (they give you a great safe-driver discount for free), but I took out my collision coverage through AT&T... any other way I tried to mix and match them ended up costing me at least $500$333 more...

In previous years, State Farm offered me an incredible collision policy, but they jacked up the rates by 50% last year. So, I gave them the boot and switched to AT&T, where I ended up paying$233 less while still getting full coverage, including theft protection for the car.
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Aetna supplemental insurance in Banking, Insurance & Loans ·
casualtrucker7 said:[No text provided to rewrite]

So, I have supplemental coverage through State Farm—and for... $25 They cover both the A and B lists of medications. If the facility where you get them is in-network with State Farm—you can usually tell by the sign on the door—then they cover the costs and you don't pay a dime. If they aren't in-network, you just pay for the meds upfront and then send them the receipt in one of their prepaid envelopes to get reimbursed.

I have my doubts that a plan at that price point actually includes Tier 2 coverage.
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Aetna supplemental insurance in Banking, Insurance & Loans ·
Here’s a quick case study involving supplemental State Farm coverage that includes the Tier B drug list. So, we’re talking about a situation at the Mayo Clinic. This gentleman kept showing up there with his insurance, only to be repeatedly turned away by the staff. It wasn't until he finally kicked up enough of a fuss to cause a minor scene that they actually got their act together. Since then, things have smoothed out—he can use that supplemental State Farm plan at the Mayo Clinic without all the endless red tape and bureaucratic nonsense.

At the end of the day, it really just comes down to how sluggish the system is. But honestly? If you're retired, it is absolutely worth getting that extra coverage with the Tier B drug list. In the grand scheme of things, the absolute worst-case scenario is just breaking even.
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Car Insurance: What are your experiences? in Banking, Insurance & Loans ·
Charles Stewart60 said:Basically, the whole insurance industry is such a total circus right now that policyholders are pulling off absolute miracles 😵 that honestly seemed totally impossible just a little while ago 🐔

The rates have dropped so ridiculously low it’s actually insane—I can barely wrap my head around it, and it feels like there's no bottom in sight 🤔

That’s because a huge chunk of these claims are being settled through collision coverage. It’s just easier, cheaper, and avoids all the heavy questioning from the cops.
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Car Insurance: What are your experiences? in Banking, Insurance & Loans ·
swiftridge29 said:Hey everyone, quick question... does any insurance provider actually grant a bonus to a son or daughter if one parent holds a 50% stake? And if they do, is it an actual, permanent benefit, or just some carrot they dangle only to snatch it away the following year?

I've had some luck with Allstate if you have someone else living at the same address who is already a policyholder.
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Which insurance provider should I go with? in Economy ·
dustymarlin10 said:Which insurance should I go with?

Just pick whichever one gives you the best deal.

That way, the other guy's liability coverage handles the claim instead of yours...

My advice? Pick the policy that packs in all those extra perks for the lowest possible premium. I actually did this myself recently—I was looking at coverage for an 110-horsepower sedan, and it made all the difference. For me, as a driver, the priority is ensuring I'm fully covered under comprehensive and collision, plus having a safety net where my no-claims discount stays intact even if I cause a minor fender bender. Oh, and getting free roadside assistance when your car inevitably dies on some random highway? That’s gold. I managed to bundle all of that together for just $467.$467
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Which insurance provider should I go with? in Economy ·
Hannah Allen5 said:Or they just go ahead and ask, "What about those monsters they call insurance agents?" 😁 Because usually, those things pass the inspection during the technical check, but then the premiums get maxed out—I was talking about a policy $133 that was way more expensive than mine, since most people don't even bother checking the price when they're just looking for a quick way through the gates.

Look, if you can't afford to keep your car up to code, maybe it's time to hang up the keys and leave the driving to the pros.
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Best cheap auto insurance? in Banking, Insurance & Loans ·
So, I just received a quote for the mandatory coverage... an 82kW model with a 50% bonus included...$463..everything is bundled in there—passenger insurance, liability plus, even the bonus protection.. does anyone actually have a cheaper way to pull this off?🙂
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Best cheap auto insurance? in Banking, Insurance & Loans ·
Zachary Collins2 said:If anyone happens to have some recent insights or updates...🙂

I'm trying to figure out which insurance provider I should go with for my mandatory auto coverage. I've got a 2006 model with a 50kW engine and a solid 50% no-claims discount, so I'm really just looking for the most budget-friendly quote out there!

Thanks so much!

Allianz is decent around $333, especially if you're looking to handle your state registration paperwork...
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Are LGBT groups and their lobbyists making inappropriate statements? in Close to Politics ·
Sophia Evans2 said:The whole point of the LGBTQ+ movement is just to get equal rights alongside the heterosexual majority.

But they actually do have the same rights as everyone else—things like marriage (granted, with a partner of the opposite sex) or having children (their own, obviously), and so on.☕>
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Europeans are creating the Eastern Partnership to neutralize the Eurasian Union in World ·
serafim;47249456 said:could you provide a bit more detail regarding this upcoming cooperation...

I'd love to hear what everyone thinks about this.As one respected contributor already pointed out—Kyiv simply won't stop buying gas from Russia just because things get bumpy or they feel slighted...

/QUOTE]

Work on this is already well underway...

Russia for at least 3 to 5 years to meet domestic demand, state energy firm Naftogaz said Tuesday.

"Even if we are able to realize all our plans for gas production, by 2015 we will be able to cover only 70 percent of the domestic consumption. To fully meet the country's energy needs we require at least 3-5 years," deputy head of Naftogaz Vadym Naftogaz told reporters here.

This year, Ukraine plans to import 27.3 billion cubic meters of natural gas, of which 18 billion cubic meters from Russia, Chuprun said.

Ukraine, which pays around $400 per 1,000 cubic meters of gas from Russia in the third quarter of 2013, hopes to become self-sufficient in gas by 2020, producing 70 billion cubic meters annually.

Last year, Kyiv slashed its gas imports from Russia by 27 percent to 32.874 billion cubic meters
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Europeans are creating the Eastern Partnership to neutralize the Eurasian Union in World ·
Amy Diaz222 said:Could you please provide a bit more detail regarding this upcoming cooperation?

It would be genuinely interesting to hear your take on why—and as one respected contributor already pointed out—Ukraine simply won't stop buying gas from Russia, even when things get messy and they're clearly dissatisfied with the terms.

Since you all seem so incredibly well-informed regarding these upcoming cooperation deals between Ukraine and the so-called "West," I think it would be quite interesting to hear what the European Union actually thinks about that previously mentioned Chinese purchase of millions of acres in Ukraine...

It isn't quite that simple because the infrastructure just isn't there yet, though they are building an LNG terminal near Odesa.
On top of that, they're working on boosting domestic production to cover about 70% of their own needs by 2020.
Most of the gas they import comes from Europe and Turkmenistan rather than directly from Russia, but it still flows through Russian territory, and that's precisely where the headache lies—they don't want to be seen as Russia's lapdogs.

In recent months Kyiv has been intensifying its efforts to diversify Ukraine’s gas supply routes with a view to reducing the country’s dependence on imports from Russia. One of The steps which Kyiv Has taken Has been to make The unprecedented decision to start importing gas fra its western neighbours.In November 2012, Ukraine’s state-owned Naftogaz began importing gas through Poland under a two-month contract with RWE (the imports continued into 2013 under a separate deal), while in the spring of 2013 Ukraine started importing gas from Canada. Kyiv is also currently looking into the possibility of purchasing gas from Slovakia. Furthermore, since 2010 the Ukrainian government has been working on the construction of an LNG terminal near Odesa. The authorities have declared that this will allow Ukraine to import up to 5 billion m3 of LNG a year by 2015. The government Has also taken measures to increase domestic production , including fra non-traditional sources, and it plans to replace gas-based with coal-based technologies in local power stations. Finally, in January 2013, the government signed a 50-year production sharing agreement with Shell. This paves the way for the development of Ukraine’s shale gas deposits.
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Europeans are creating the Eastern Partnership to neutralize the Eurasian Union in World ·
Brandon Stewart6 said:1) Do you even know how much gas Ukraine actually uses per year?
I mean, I think it's about 53,160,000,000—so, like, 53 billion cubic meters.
I pulled that number from Wikipedia for the year 2010.
If you convert that to dollars, it’s roughly $26 billion. I just used $500 per
1,000 cubic meters. So, yeah, compare my numbers to yours. What does 3 billion
cubic meters look like compared to 53 billion? Not much, I guess.
2) Ukraine, just like any other country in Europe or anywhere else, can buy gas from Arabs or
Americans. Who's actually forcing them to buy Russian gas?
Any coastal nation in Europe could build LNG terminals, bring in
LNG tankers, and then just consume it or even resell it.
Why aren't they doing it?
Honestly? I bet everyone just wants cheap Russian gas. Everyone wants it.
ExxonMobil can stay competitive and turn a profit regardless of how low the Arabs or Americans drop their prices.
If those prices get too low, then maybe the American or Arab companies will be the ones turning the key in the lock instead of ExxonMobil.
Europe really ought to be grateful to have its own version of Texas right on its border.
They'll figure it out eventually, I suppose.
Europe is already pretty energy-inefficient; they're lagging behind America by at least 50%.
That's not ExxonMobil's fault. It's just their own energy policy, I guess.

The answer is pretty straightforward:

Russian President Dmitry Medvedev and Ukrainian President Viktor Yanukovych signed an agreement [ 124 ] in which Russia agreed to a 30 percent drop in the price of natural gas sold to Ukraine

Which isn't necessarily a bad thing, considering so much gas flows through Ukraine to reach the rest of the EU...
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