[joec]

We have AAA for our home, auto and umbrella…No home owner claims so far, but multiple auto claims in the past without issues. My rate should go up due to some parking accidents and hit and runs from others, but it didn’t with the latest renewal. Still expect a bill probably later. Their pricing is hit or miss and I left them a while back since they were charging a lot for auto a few years back.
Overall, pretty decent IMO.

Considering earthquake insurance now since a 20% deductible is better than 100% deductible.

[joec]

We have AAA for our home, auto and umbrella…No home owner claims so far, but multiple auto claims in the past without issues. My rate should go up due to some parking accidents and hit and runs from others, but it didn’t with the latest renewal. Still expect a bill probably later. Their pricing is hit or miss and I left them a while back since they were charging a lot for auto a few years back.
Overall, pretty decent IMO.

Considering earthquake insurance now since a 20% deductible is better than 100% deductible.

[joec]

We have AAA for our home, auto and umbrella…No home owner claims so far, but multiple auto claims in the past without issues. My rate should go up due to some parking accidents and hit and runs from others, but it didn’t with the latest renewal. Still expect a bill probably later. Their pricing is hit or miss and I left them a while back since they were charging a lot for auto a few years back.
Overall, pretty decent IMO.

Considering earthquake insurance now since a 20% deductible is better than 100% deductible.

[joec]

Have bought some tools, household garden stuff that was lifetime warranted at Sears and exchanged a broken part without any questions, receipts or anything. Plan to do that again for a hose that had a broken washer as well later.

Don’t shop for much else there.

How is their holiday photo stuff?

[joec]

Have bought some tools, household garden stuff that was lifetime warranted at Sears and exchanged a broken part without any questions, receipts or anything. Plan to do that again for a hose that had a broken washer as well later.

Don’t shop for much else there.

How is their holiday photo stuff?

[joec]

Have bought some tools, household garden stuff that was lifetime warranted at Sears and exchanged a broken part without any questions, receipts or anything. Plan to do that again for a hose that had a broken washer as well later.

Don’t shop for much else there.

How is their holiday photo stuff?

[joec]

Have bought some tools, household garden stuff that was lifetime warranted at Sears and exchanged a broken part without any questions, receipts or anything. Plan to do that again for a hose that had a broken washer as well later.

Don’t shop for much else there.

How is their holiday photo stuff?

[joec]

Have bought some tools, household garden stuff that was lifetime warranted at Sears and exchanged a broken part without any questions, receipts or anything. Plan to do that again for a hose that had a broken washer as well later.

Don’t shop for much else there.

How is their holiday photo stuff?

[joec]

I would probably not pay too many points now to get a much lower rate in case rates drop further.

Other things to consider is how stable is your job/income? If it’s not very stable and you can’t refi easily, then maybe it’s worth it to pay points to get a lower rate since a refi may not be in the cards in the future.

You also have to look at your tax situation on whether you can write off the $$ paid to buy down the rate this year (that came up with scaredycat since it’s near year end now and they’re not itemizing)…

[joec]

I would probably not pay too many points now to get a much lower rate in case rates drop further.

Other things to consider is how stable is your job/income? If it’s not very stable and you can’t refi easily, then maybe it’s worth it to pay points to get a lower rate since a refi may not be in the cards in the future.

You also have to look at your tax situation on whether you can write off the $$ paid to buy down the rate this year (that came up with scaredycat since it’s near year end now and they’re not itemizing)…

[joec]

I would probably not pay too many points now to get a much lower rate in case rates drop further.

Other things to consider is how stable is your job/income? If it’s not very stable and you can’t refi easily, then maybe it’s worth it to pay points to get a lower rate since a refi may not be in the cards in the future.

You also have to look at your tax situation on whether you can write off the $$ paid to buy down the rate this year (that came up with scaredycat since it’s near year end now and they’re not itemizing)…

[joec]

I would probably not pay too many points now to get a much lower rate in case rates drop further.

Other things to consider is how stable is your job/income? If it’s not very stable and you can’t refi easily, then maybe it’s worth it to pay points to get a lower rate since a refi may not be in the cards in the future.

You also have to look at your tax situation on whether you can write off the $$ paid to buy down the rate this year (that came up with scaredycat since it’s near year end now and they’re not itemizing)…

[joec]

I would probably not pay too many points now to get a much lower rate in case rates drop further.

Other things to consider is how stable is your job/income? If it’s not very stable and you can’t refi easily, then maybe it’s worth it to pay points to get a lower rate since a refi may not be in the cards in the future.

You also have to look at your tax situation on whether you can write off the $$ paid to buy down the rate this year (that came up with scaredycat since it’s near year end now and they’re not itemizing)…

[joec]

BG, a post I actually don’t disagree with. Anyhow, I think a lot of my point is that we are a product of our environment and what we experienced ourselves. I also feel the real estate market now is very different from 20-30 years ago. I do have family and friends in the coastal areas both here, LA and in the bay area and they bought a long time ago paying a handsome sum even back then, but you talk to a lot of these people now and most would say they wouldn’t be able to afford buying anything here “now” based on their pay/job, etc. I don’t think the situation on the coast in terms of pricing, fixers is what it is now with the amount of buyers shopping in those areas and the amount of money and ease of financing compared to 30 years ago. Also, a lot of these folks back then had regular jobs being able to buy these properties, most now are probably move up buyers or higher paying professionals.

[joec]

BG, a post I actually don’t disagree with. Anyhow, I think a lot of my point is that we are a product of our environment and what we experienced ourselves. I also feel the real estate market now is very different from 20-30 years ago. I do have family and friends in the coastal areas both here, LA and in the bay area and they bought a long time ago paying a handsome sum even back then, but you talk to a lot of these people now and most would say they wouldn’t be able to afford buying anything here “now” based on their pay/job, etc. I don’t think the situation on the coast in terms of pricing, fixers is what it is now with the amount of buyers shopping in those areas and the amount of money and ease of financing compared to 30 years ago. Also, a lot of these folks back then had regular jobs being able to buy these properties, most now are probably move up buyers or higher paying professionals.

[Author]

Posts