Jump to content

52-80

Legacy Members
  • Posts

    18122
  • Joined

  • Last visited

Everything posted by 52-80

  1. State Farm also reduced/pulled its coverage from California. It declined coverage renewal (with advance notice) on 70k properties last year, citing heightened risk they were restricted from being compensated for. https://newsroom.statefarm.com/update-on-california/ https://newsroom.statefarm.com/state-farm-general-insurance-company-california-new-business-update/ State Farm had already lost $5B in their home insurance business in 2023, contributing to a $6B total loss. Importantly, State Farm is a mutual insurance company. The customers jointly "own" the business. There is no shadowy, passive, external figure receiving dividend checks from the retained earnings. Maybe the legislative policy handicapping their ability to charge for risk commensurately has something to do with it, you think?
  2. I don't find it typical that close subordinates to exec management subvert or resist the commitments announced in periodic releases. They're news to the investing public, but will have already been planned and bought-in internally. They're often pitched by the subordinates after all. These folks may temper the overselling that occurs in the calls, sure. But it's not a magic reverse uno card to argue 'your ceo said the company is streamlining internal tooling to save cost but you're still using this expensive and complex multi-vendor solution'. Things sell on merit, on economics, on goodwill and backscratching ('this deal will make you look good'). The im-telling-your-dad approach doesnt strike me as something effective, IME anyway. I had a kid and switched into products with minimal traveling required, but I do miss the sales world a bit. Extreme freedom and clear objectives: you can do pretty much whatever you want, so long as you meet the numbers!
  3. when i was in enterprise sales i had a large book and a full team working under me and they werent voracious financials-readers. the job is relationship based with a lot of persistence and process. its obviously good to have broad knowledge of your customer, but there was no meaningful edge to digest the minutiae from a dry quarterly filing. could you give me an example of one?like, you find out a company retired some outstanding bonds and opened a new untapped revolver loc so they should have more cashflow and you can charge them more money for cloud storage? the level of client-knowledge they work with is either major news that is already very public, or things they learn from the client that is too specific/immaterial to be disclosed in such broad filings.
  4. He's also practiced mixed martial arts and attended ufc event for years. And he smells the tides turning.
  5. Congrats to your wife. I don't know any other sales person that does that due diligence. That said, she'll find more 'color' about the companies focus on the earnings presentations and transcripts than in the dry Q/Ks. For my personal curiosity and investment decisions I sniff through them, mostly studying the financial tables and commentary on specific sections of my interest. There's not going to be valuable information hidden in there that other people won't have uncovered anyway. Much of the text in the 10K are boilerplate descriptions, and not material news. Some analysts use PDF Compare feature to scan for changes in the text from year to year.
  6. The article says “all elements must be confirmed”. The element that WR was defenseless was satisfied. The one where the tacklers ‘purpose’ was to make contact with the helmet was not. Helmet was incidental contact during a bonafide tackle. (Probably why they call it a targeting penalty and not a helmet penalty)
  7. This is the 2023 NCAA Rulebook https://taso.org/wp-content/uploads/2023/05/2023-NCAA-Football-Rule-Book.pdf There's also a section on Targeting, and why it wasnt called on Taaffe. He didnt intend to attack with the helmet. He was going for a standard tackle with his arms in the wrap motion milliseconds after the helmets collided.
  8. big props to @immamac for the steamy links also lol trying to tag him here:
  9. amazin what having a mobile qb does
  10. how we getting beat by Lieb Schreiber
  11. watching football games as a texas longhorn fan:
  12. if they survive this, next game quinn will have to win a shootout against buckeyes or ducks. lmao.
  13. if you actually break down the play and diagram over a youtube snapshot, it was actually a perfect throw and quinn ewers is the best tosser in the world.
  14. You: its so offensive to suggest players are "only as valuable as his alumni network allows him to be" Star CFB athletes: sign onto teams for 6-7 figure NIL payouts donated by alums You: how dare you dismiss players' aspirationsand value of education Maalik: leaves Duke for official visit to the University of fucking Kentucky Do you enjoy getting dickslapped by reality day after day?
  15. I bought the small propane Koda and 95% satisfied with it. If I were to do again, I might buy the larger Koda to get the L shaped burners for more even heat distribution, instead of a single backwall burner which creates a bigger thermal gradient. Heating of the pizza stone is ultra important and turning on the gas and walking away for predictable warmup is really useful. I don't think pellets or wood matter. The build quality and longevity of the Koda is great, as is its portability.
  16. 52-80

    Getting old sucks

    okay i learned this one isnt my fault. apparently a zyn has the same nicotine of ~10x cigarettes. zyns come in 11mg or 6mg size. a typical cigarette has ~10mg of nicotine, but only 1-2mg are actually absorbed through smoking. zyns you absorb the whole thing. so big zyn = 5-->10 cig equivalent.
  17. Touchy boy, aint cha? Did a LSU sanitation guy shit on your Comm diploma? My statement wasnt a declarative ceiling of all players on their goals and ambitions. Its for players like Maalik, whose first, second, and third priority is football. And is an observable fact that he doesnt value the name on his degree very much if he's bouncing between schools, changing majors, window shopping Oregon State and now fucking Auburn. Why you so mad he didn't follow your footsteps
×
×
  • Create New...