The flood-risk zones requiring flood insurance are insufficient to rely solely upon being forced to get insurance. Some floods extend past those zones or hit areas not covered by them.
Echoing a sibling comment, lots of landlords require it now, and the basic packages that insurers offer you as a bundle with auto or other forms of insurance are pretty decent, depending on state.
Typically seems like $100-200 per year for coverage that would handle the loss of most of one's possessions, provided you don't get screwed by "well, you don't have the receipt" or "we only cover water ingress, not floods or leaks".
What do you consider useful? While I do not know how easy it is to make a claim, but my policy is a bit over $100 annual and covers some $20-30k loss. Which feels more than sufficient.
Hopefully, I never have to use it, and it is just a tax I pay.
I'm talking about people buying houses near a river that floods regularly and not purchasing flood insurance. Someone else brought up renter's insurance in response to my comment about flood insurance. Renter's insurance is cheap, btw. I have something like $300k coverage for less than $10/month bundled with my car insurance.
Probably a lot? I've moved around a bunch over the past 20 years, so have had several landlords. I think all of them for the past decade have required proof of insurance when signing the lease. I don't think anyone I rented from required it before 2018ish
Uh oh, is this a reference to the radar meme/study?
The one that conservatives keep claiming shows that liberals care more about out-groups than in-groups, but actually shows that either 1) many conservatives are illiterate and can't read a survey question, or 2) many conservatives literally don't care if right or wrong happens to acquaintances, strangers, their countrymen, humans in other countries, non-human animals, living things, etc?
Well it's not really a meme, it's a study. And it was an earnest question as to whether GP was referencing the study. They claim they weren't ¯\_(ツ)_/¯
Also it sounds like you're referring to the British political parties Liberals and Conservatives, not the lowercase-l and lowercase-c political philosophies by the same names, which the study is actually about.
> Oppression would be quite impossible throughout history if people weren't willing to oppress their own kind to the benefit of others.
No what's far more common is that people change their perception (or have different perceptions) of who is "their own kind."
You can actually see this happening in real time in the US with the emerging concept of "Heritage Americans." It's a way for losers and crybabies to narrow the scope of who is "their own kind" without having to openly declare that they simply don't love their countrymen.
My impression is that the foreign/out group delegate the actual oppressing to local representatives, who are more than eager to do it towards their own kind.
It's complex. My wife's father-in-law immigrated from Italy to escape the destruction wrought by fascism in WWII and seek economic opportunity. He was part of a diaspora of a small village in Abbruzze that settled around Binghamton, NY. I would say that they all love Italy and they all love the U.S.
Those are people I know very well because I have been to so many parties, dinners, and other events with them. I've seen the same thing with people from India, China, Sri Lanka, etc. I'd assume that it's the normal condition of immigrants.
You'd be surprised that most people don't find any pleasure in comparing and trying out different software. They're looking for something which works and ChatGPT is just an amazing product. People aren't going to look for something else unless it breaks for some reason.
Most people who have a vehicle aren't trying out different motor oils, or comparing every month if they should change model, etc.
> As I see it, they need to be doing stuff nobody else can ( in either price or performance ), otherwise it's hard to justify the valuation.
Do you have a car? What does it do that no other car does?
I'm trying to motivate one or hopefully both of these ideas
- if it is worth backup up or exporting, it is worth doing it early and often
- but more importantly if we backing up and exporting, we should be continuously thinking are we even on the right platform? Does a better alternative exist?
Most potential customers wouldn't ever think in terms as "justifying" a €20 purchase when the product is great.
ChatGPT (and competitors) is an incredibly high value tool, and €20 per month is nothing for somebody who wants or needs it. It's just a matter of if they use it enough to start hitting the daily limits.
This is why people are constantly moaning about paying too many subscriptions and why we have companies whose whole business is to remind you to not pay for stupid subscriptions.
As if paying constantly for a thing is normal and not dystopian
People are completely irrational when it comes to their personal finances, and hackers are the group who is most irrational of all.
For a few bucks per month you have access to artificial intelligence on a level which was completely unheard of just a few years ago. A revolution on the level of electricity or radio communication. And you are still complaining about price.
Consider if it's only habit that you have learnt from others. People talk all the time about the price of milk, eggs or gas, even though these things could double in price and still be incredible value. Then they turn around and waste enormous sums of money on completely meaningless stuff.
That explanation is not enough. What are you supposed to do with more money if your dream in life is to create cutting edge tech? There comes a point when money doesn't trump all.
Willing to do things others are too nice to do? Such as accepting returns without a fuzz? Delivering quickly and being transparent about shipping costs?
Amazon is gigantic because they give customers a better experience and people feel safe buying from them without having touched the product.
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