#siancrosslinisback

[copperbadge]

siancrosslinisback replied to your photo “What is this? WHO GRASPS AT THE BOOT HEELS OF FATHER? IT IS...THE...”

Your tag omg. She Who Dwells Beneath. I think all cats require names that make them sound like some flavor of elder god

mangy-mongrel replied to your photo “I call this one “Dearborn Nopes Out”.”

A sneaky poke from Polk

SHE WHO POKES FROM WITHIN

ormyngel replied to your photo “What is this? WHO GRASPS AT THE BOOT HEELS OF FATHER? IT IS...THE...”

The couch goblin looks like she used to have an easier time getting under there.

She’s determined :D What’s funny is she didn’t even used to get under there until she was almost too big. And I love it because she has literally no reason to be down there except to play grab-dad’s-foot; sometimes I’ll just be sitting there and BAM she grabs my heel and I have to yell and pretend to be very injured. :D 

[arukou-arukou]

siancrosslinisback replied to your post “I love all kinds of competence porn, but Netflix has a blown glass...”

!!!! What is it called?

It’s called Blown Away. My opinion was “not enough glass blowing,” but that would be my opinion of anything short of letting me watch the whole piece be made.

[twistedingenue]

siancrosslinisback replied to your post “Our reunderwriting team has nominations for claim of the month/year...”

Oh my god. I can only imagine, given some of the claims stuff I heard in my office.

A small collection of this month’s nominations for claim of the month:

Dog had surgery and had a cone around her head so they put her in the bathroom. She turned on the water and plugged the tub.

SUV ran stop sign an high rate of speed and hit the hill in insured’s front yard, went airborne and landed on insured’s roof…2nd time in 25 years this has happened.

Roofing company got on top of insured home and started taking out shingles and realized they were on the wrong home and got in their truck and left, leaving many of the insured’s shingles in the yard.

Someone stole the named insured’s pots and pans and replaced them with cheaper ones.

And the rest of the nominees for claim of the year:

Insured has a service pig and it tusked the claimant’s leg.

The insured states he was wearing a nasal cannula supplying oxygen to his nose when he tried to smoke from a corncob pipe. The cannula caught fire and his face and nasal cavity began burning.

Insured filed a claim and the adjustor sent a review for neglected property. Rot, mold, prior repairs not made…and living with the insured is a 200 pound cougar.

The mattress in the master bedroom had snakes in it. The tenants before had them as pets and were somehow left behind…

Son let bull out of trailer and it started chasing the claimant who climbed a fence, bull was caught but claimant then fell off fence.

A bear got inside of the insured’s home and ate everything, but left the eggs in the refrigerator.

Named insured placed an ad on Craigslist in search of roommate, roommate then stole swimming pool and the railing of the deck (cut by chainsaw).

[musicalluna]

siancrosslinisback replied to your post: ?!???????!!!!!!!!! ?? okay i was not aware of the...

I’m really curious; what did you know? Just that he was a serial killer?

pretty much yeah! i didn’t even realize his victims were all men

[twistedingenue]

siancrosslinisback replied to your post “anais-ninja-bitch replied to your photo “I feel you may be in the...”

Omg I also got followed by that account. Though I'd be curious to hear why you say millennials are to blame for rates going up.

Ok, so here’s a quick and dirty “Why does insurance cost so much now?” primer

1. First and foremost; it’s because the cost of claims is WAY HIGHER. And that’s actually a good thing. Because the costs are higher because cars are designed to protect you in crashes and houses are designed not to fall over, and all that safety stuff. The downside? More Total Losses for what used to be minor accidents.  Upside: LESS DEATH AND INJURY. But now it costs more to replace or repair. 2. More catastrophic losses. The More claims, the more expenses, and will probably lead to stricter underwriting and higher rates for prone areas, that has to be balanced against the public good of insurance. 3. Insurance fraud. Holy shit, fraud. FRAUD IS EVERYWHERE IN THE SYSTEM. Do you know how much fraud training I go through? Lots. I worry about automation and fraud a lot. That’s just a few reasons that have nothing to do with Millennials. 

This however, is the “Millennials are killing the ___ Industry” Reason.

The ease of quoting online. The ease at which people change insurance companies chasing better rates and lower prices. People, with Millennials as the driving cohort of this, largely see insurance companies as interchangeable (at least until they have claims) and just want a good deal.

But generating a policy costs money. And if you switch companies every 6 months or a year, the company never recoups that cost, and it will drive up rates. My company has unprecedented new auto policies. It also have unprecedented lapse/cancel, and I think that’s going to hit the esurance and geicos of the market too. You’ll always be able to save $76 by switching to a different insurer.

What is going to happen, and has already started happening, is that “serial switchers” are going to be penalized when they switch with a surcharge.  I think several of the big names are already doing this or are testing it out.  I have a feeling that the market is going to start correcting in the next 5-10 years.

And in those 5-10 year, telematics is also going to be HUGE. We’re already seeing companies doing rates based on how you drive via apps and smart car stuff. Just wait until it it syncs up with your home, too, and your rates will vary based on how well you keep your house heated to prevent burst pipes.

We’re gonna be your creepy ass neighbor. You’re in good hands. Very good hands.

[copperbadge]

The Death Fridge

aisu-hawk replied to your photoset “Behold my fridge.”

I want to clean it so badly.

Honestly...there’s no saving this thing. I’m going to have ComEd haul it off for recycling; I thought about going after it with a harsh cleaner but that rust line in the back tells me this fridge is dying anyway. 

siancrosslinisback replied to your photoset “Behold my fridge.”

*softly, with feeling* yikes

That was my reaction the first time I saw it -- then this time is the first time I found the butter and I YELLED it. :D 

anonymus-maximus-er replied to your photoset “Behold my fridge.”

"shelf evident"

I AM SO MAD I DID NOT THINK OF THIS. 

grannyweatherwaxofficial replied to your photoset “Behold my fridge.”

Why is the butter in a box??

That’s how it’s generally sold in the US -- four sticks of butter (each 1/4 lb) wrapped in waxed paper, bundled in a cardboard carton. 

tardis-stowaway replied to your photoset “Behold my fridge.”

Egads! I have cleaned some pretty gnarly fridges over years of roommates and communal work fridges, but I think yours takes the cake for horrifying levels of mold.

It’s so dire. I hope it wasn’t like that when someone was living there. 

srprincess replied to your photoset “Behold my fridge.”

I have only seen one fridge worse than yours, and I try not to think about that horror show of a rental anymore. Smells can haunt you.

Oddly enough, there’s no smell. It’s just....an odorless foulness. 

calmiera replied to your photoset “Behold my fridge.”

I admit I'm terrible at keeping track of food and it's usability and I often have to take care of moldy or liquified food but even then is our fridge pretty much clean. This one looks... I would be afraid to even touch it.

I haven’t taken the butter out yet because I didn’t have gloves I could wear while doing it.

That’s only one of them, btw, there’s a second pound of butter in the second compartment. 

[twistedingenue]

.siancrosslinisback replied to your post “siancrosslinisback replied to your post “anais-ninja-bitch replied...”

P.S. Sorry, I know you were being jokey with the millennial thing, but distilling all the reasons why rates are going up to one thing is a sore point after all the hours I spent trying to educate people on it. The rate increases hit Texas HARD.

siancrosslinisback replied to your post “siancrosslinisback replied to your post “anais-ninja-bitch replied...”

"it's because of millennials" because I think that simplifies what's actually a really complicated topic that doesn't get discussed much, and I think that not actually discussing insurance and the details of it are a big part of the reason people hate the very concept of it so much. 2/2

siancrosslinisback replied to your post “siancrosslinisback replied to your post “anais-ninja-bitch replied...”

Ah. I mean, I read the 20 page report my agent gave me on all that, but I personally wouldn't tie it to Millennials. Sometimes I wish people couldn't just write themselves a policy online that has to be rewritten anyway like, I had to get a license for a reason. I think that the high lapse/can is more of a response to the ease of quoting online: but then also, younger generations are more likely to face economic pressures. I think it's... not the greatest to say 1/

Oh no, I agree with you --this isn’t really a “millenial” problem. But I have certainly sat through seminars and talks that were positioning it as such, and eventually, that’s how it’s going to be framed in the media.

Yeah, Texas is going to be hit hard. There’s a lot of increased risk there, some laws make it more expensive in general. And I think we’ve bottomed out in cheap insurance rates, and the soft market will need to start turning.

So hey, all you non-insurance pro’s out there: go buy insurance. get it on your car and your home. If you don’t have renters, get renters, preferably from the same place you have your car (the multi-line discount will often be very close to renters premium). It’s important. IF you have questions, ask us. We’re here to help.

[arukou-arukou]

siancrosslinisback replied to your photo “At long last I have uploaded a picture of the crack from which the...”

holy hell. that's not a crack, that's a crevasse

I was thinking more along the lines of an abyss. It’s okay. My faithful feline will protect me from the darkness.

thoughtfulbreadpolice reblogged your photo and added:

nuke it. Nuke the who damn thing. All the nukes.

That would require state secrets that I most certainly do not have in my possession. Also, pretty sure the leasing company would frown on that.