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  1. nrg4isu

    Jelani Hamilton enters portal

    This is why "with all due respect" is one of my favorite phrases. It seems like you're crediting the person you're saying it to, but in reality it doesn't say that any respect is actually due.
  2. nrg4isu

    Boy, that was harder than expected.

    I don't want to hijack this thread, but isn't it interesting how throughout life these sort of moments happen? It's almost like a movie script sometimes. When my kids were 2.5y and 6 months old we went to a diner for breakfast. An old man who we never met before told us we were doing a great...
  3. nrg4isu

    *** Cyclone Fanatic Cereal Tournament: Round of 32 ***

    I'm eating frosted flakes right now... for lunch
  4. nrg4isu

    Ever score on an insurance company?

    I'm glad it hasn't happened to you, but if you think it doesn't happen you're wrong. My mistake was waiting too long to get an adjuster out. The rest of the neighborhood had their roofs replaced, but magically mine had "no damage". It's their call with basically no recourse. Truth is, as a...
  5. nrg4isu

    Ever score on an insurance company?

    Remote, but her group is based in Rochester.
  6. nrg4isu

    Ever score on an insurance company?

    Comparatively that's fantastic insurance. My wife works for Mayo Clinic which is known as one of the best health care facilities in the world and our insurance is much worse than that (family of 4).
  7. nrg4isu

    Ever score on an insurance company?

    And yet somehow they can be one of the biggest spenders on advertising? How does that make any sense at all? Progressive, State Farm, Nationwide, All State, Liberty, etc. etc. really? Is it competition for your business or is it something else?
  8. nrg4isu

    Ever score on an insurance company?

    Here's an example I have direct knowledge of. During covid, all of a sudden people stopped going to the doctor. People stopped using their insurance. A smaller insurer (not for profit) had a massive profit because premiums far outweighed disbursements. To avoid problems, they doubled their...
  9. nrg4isu

    Ever score on an insurance company?

    Rather than complain, here's what I believe should change about insurance: 1) independent adjusters, remove conflict of interests 2) a ****-ton more regulation on insurance companies. No paying Caitlin Clark millions of dollars to hide profit to avoid paying taxes 3) (medical) up-front billing...
  10. nrg4isu

    Ever score on an insurance company?

    It didn't start out that way. And there still is "value" in it for those that can afford the losses. But in its current state, it's absolutely a negative value proposition.
  11. nrg4isu

    Ever score on an insurance company?

    If you "come out ahead" against an insurance company it's usually a hollow victory. At least in my case it was. My wife started a new job and signed up for an aflak indemnity policy. Paid maybe $30 into that policy then was able to cash in on it for $10k. The downside? It was because she had...
  12. nrg4isu

    ***Official 2024 Weather Thread***

  13. nrg4isu

    ***Official 2024 Weather Thread***

    Iowa everywhere on YouTube is giving a great live feed of the storms. Fascinating, but horrific at the same time
  14. nrg4isu

    Cytown Update

    Well that's not the answer. Doesn't matter how wrong the "other side" is, but you don't "just steamroll over them". FWIW I'm 100% on the side of growth/cytown/JP
  15. nrg4isu

    Farmageddon 2025 - Ireland

    I'm more of a Tesco guy. I have fond memories of using a hiking backpack to haul groceries a mile back to our flat in 2003. On one occasion a case of Carlsberg spilled open and a can was punctured. Only one thing to do really, shotgunned that MFer right outside the entrance. good times.
  16. nrg4isu

    New water heater...

    I put a tank in with the help of my father in law about 8 years ago and I want to say it was around $600 all told. Prices now are completely out of control.
  17. nrg4isu

    Kayden Fish will return, fills Iowa State's 13th scholarship spot

    CF has always had the best derpth.
  18. nrg4isu

    Iowa Football Recruiting

    Iowa State currently has 3 QBs who would start over any of the Iowa QBs at the moment and they're all 3 underclassmen.
  19. nrg4isu

    When do you think you will buy a 100% pure electric vehicle?

    I've thought about this a lot. Our usage is that neither of our vehicles ever make it over 60 miles during a weekday. On the weekend, our van regularly (7 out of 10 weekends) goes on longer trips >100 miles. The secondary vehicle usually sits in the garage or continues to go < 60 miles per day...
  20. nrg4isu

    ***Official 2024 Transfer Thread***

    And where exactly did you come by this information?
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