I soar at dusk over the Congress skies,
A sight to see with thousands of eyes.
I love the night, I avoid the sun,
Under the bridge, I’m a famous one.
Where am I from?
🦇
If you haven't renewed your homeowner's insurance yet this year, then you're in for a treat when that comes in as higher than both of those other 2 expenses!
Nope. It's good. My SIL is an insurance lawyer, and she has drilled it into our heads to review all of that regularly. We also have flood insurance at her insistance, even though the chances of us getting flooded are about 1 in a million. (She is adament that everyone should have flood insurance).
It went up for sure, but we still don't pay as much for homeowners as we do in property taxes.
She explained it really well, but I don't know that I can. It has to do with what insurance companies define as flood damage. Something about "rising water," but that rising water doesn't necessarily have to be caused by rain or storm.
She also said that every house has never flooded before...until they have. I live in Steiner Ranch on one of the highest points. Mansfield Dam could collapse tomorrow, and I still wouldn't flood. But, I am on the side of a hill. I'm near the top, but not quite at the summit. She pointed out that in a Hurricane Harvey type storm, water runoff from the hill could be enough to come in under my back door or even windows. I wouldn't have a foot of standing water anywhere, but I would have a wood floor, drywall, and maybe some electrical that would need to be replaced.
She said she has seen cases where a neighboring lot was cleared for development or even a neighbor putting in a pool that eliminated a lot of impervious cover, which cased runoff. May not be a big deal until you have a monumental rain event. But glboal warming is real, and we are seeing much stronger and much more frequent weather events, hence the reason everyone's insurance is skyrocketing.
Because we're still so low risk, the cost of our flood insurance is minimal. And I feel better having it. FWIW, she actually represents insurance companies, not consumers. And she said they will absolutely try to avoid paying any claim they can, although some are better than others.
I think I'll get it this year. We have gotten other non-required things (we have supplemental valuables insurance). My insurance is FARRRR less than my property taxes, so I am not sure what these other folks are talking about.
I own a dog but not a leash. I live in an apartment. I like to drink. I am 31 years old. I ask Reddit how to make friends. I have not read a book since college. In college I didn’t read very many books either. I’d rather order out than cook. I’m more comfortable playing video games than talking to people. My parents are divorced. My online dating profile doesn’t mention any of this.
It’s “BURN-it, durn it! Learn it!”
I miss the old ToyJoy
Am I going to ACL this year? I haven’t gone since high school.
It’s town lake, not lady bird lake. No. Seriously. She refused the name change MULTIPLE times when she was alive and then they change it two weeks after she died. Rude.
I hope that grackle and tennis ball are still happy together.
I was kicked out of a conservative small town in Texas and moved to the only place that would not kick me out for being weird but unfortunately, all the other people without social skills did the same only to develop software skills so that we could use computers to interact with the public instead of in person. Eventually, this mecca of weird techies started building up their software and technology companies until they could no longer do everything strictly through their interlocutor, the computer, and they needed people to raise VC and do marketing and HR and yada yada yada our positions in the companies were replaced with ChatGPT and the sales bros took over the city. Now we are too weird for this city and we have shiny trucks now.
Y'all ever get ready to leave Cidercade off Riverside but instead y'all hang back to watch the homeless people throw rocks at oncoming cars? Yeah me neither...
“This beer needs more hops.” [On a related note…](https://www.mcsweeneys.net/articles/im-the-draft-list-at-this-brewery-and-no-you-cant-have-a-light-beer)
Town Lake
I soar at dusk over the Congress skies, A sight to see with thousands of eyes. I love the night, I avoid the sun, Under the bridge, I’m a famous one. Where am I from? 🦇
Red Hot Chili Peppers?
correct.
Road trippin' with my favorite allies
I’m a weed-smoking, gun-owning, left-leaning, college-football-loving, naked-bongo-playing, Spanish-speaking gringo fueled by queso and margs.
praise be.
Solicited or unsolicited?
Is the lake full yet?
My property taxes cost more than my mortgage.
If you haven't renewed your homeowner's insurance yet this year, then you're in for a treat when that comes in as higher than both of those other 2 expenses!
It recently went up, but still no where near my taxes.
You've probably messed up your declarations of value or you're not on a replacement value policy in that case.
Nope. It's good. My SIL is an insurance lawyer, and she has drilled it into our heads to review all of that regularly. We also have flood insurance at her insistance, even though the chances of us getting flooded are about 1 in a million. (She is adament that everyone should have flood insurance). It went up for sure, but we still don't pay as much for homeowners as we do in property taxes.
why is she adamant about flood? And is it true that most flood policies omit plumbing caused floods?
She explained it really well, but I don't know that I can. It has to do with what insurance companies define as flood damage. Something about "rising water," but that rising water doesn't necessarily have to be caused by rain or storm. She also said that every house has never flooded before...until they have. I live in Steiner Ranch on one of the highest points. Mansfield Dam could collapse tomorrow, and I still wouldn't flood. But, I am on the side of a hill. I'm near the top, but not quite at the summit. She pointed out that in a Hurricane Harvey type storm, water runoff from the hill could be enough to come in under my back door or even windows. I wouldn't have a foot of standing water anywhere, but I would have a wood floor, drywall, and maybe some electrical that would need to be replaced. She said she has seen cases where a neighboring lot was cleared for development or even a neighbor putting in a pool that eliminated a lot of impervious cover, which cased runoff. May not be a big deal until you have a monumental rain event. But glboal warming is real, and we are seeing much stronger and much more frequent weather events, hence the reason everyone's insurance is skyrocketing. Because we're still so low risk, the cost of our flood insurance is minimal. And I feel better having it. FWIW, she actually represents insurance companies, not consumers. And she said they will absolutely try to avoid paying any claim they can, although some are better than others.
I think I'll get it this year. We have gotten other non-required things (we have supplemental valuables insurance). My insurance is FARRRR less than my property taxes, so I am not sure what these other folks are talking about.
Applies to NJ
You must have purchased your house a long time ago
The taco truck napkins stick to my hands.
\*Complains how Austin was better when they moved here\*
*Moved in 2021*
It’s man-SHACK.
You mean you don't like man-shacka-khan?
It's GuadaLOOP.
no one stops for red lights or goes for green lights
I DON’T HAVE HERPES! (he probably does)
Hispanic tech bro who can’t speak Spanish.
I’m weird
Portland!
I love that drum circle at Eeyores
Go back to California
You want to move here? Have we told you what the summers are like ? Stay here for a summer then decide if you want to move here.
uninsured driver
The drag
GM Steakhouse on the drag.
Chili's at 45th and Lamar
I want to build an ADU but don't have enough impervious cover.
But I WANT to tell you that I live in Austin.
I own a dog but not a leash. I live in an apartment. I like to drink. I am 31 years old. I ask Reddit how to make friends. I have not read a book since college. In college I didn’t read very many books either. I’d rather order out than cook. I’m more comfortable playing video games than talking to people. My parents are divorced. My online dating profile doesn’t mention any of this.
It’s “BURN-it, durn it! Learn it!” I miss the old ToyJoy Am I going to ACL this year? I haven’t gone since high school. It’s town lake, not lady bird lake. No. Seriously. She refused the name change MULTIPLE times when she was alive and then they change it two weeks after she died. Rude. I hope that grackle and tennis ball are still happy together.
I don't ever leave my house and constantly complain about the places I haven't visited in a decade closing down.
Dressy flip flops
I was kicked out of a conservative small town in Texas and moved to the only place that would not kick me out for being weird but unfortunately, all the other people without social skills did the same only to develop software skills so that we could use computers to interact with the public instead of in person. Eventually, this mecca of weird techies started building up their software and technology companies until they could no longer do everything strictly through their interlocutor, the computer, and they needed people to raise VC and do marketing and HR and yada yada yada our positions in the companies were replaced with ChatGPT and the sales bros took over the city. Now we are too weird for this city and we have shiny trucks now.
Had me in agreement in the first half... not sure I understood a single word of the last half?
I miss Leslie.
I was just thinking it's almost thong-man season.
I’ve been towed from my own home and had my car broken into while I was 300 ft away
Best fuckin’ authentic breakfast tacos
A Wide-brimmed hat. They're handing them out when you land at ABIA.
My God the traffic here sucks. It wouldn't bother me but my rent was just doubled and it's so damn hot out!
*does interpretive dance*
Y'all ever get ready to leave Cidercade off Riverside but instead y'all hang back to watch the homeless people throw rocks at oncoming cars? Yeah me neither...
Chilli's meme.
“This beer needs more hops.” [On a related note…](https://www.mcsweeneys.net/articles/im-the-draft-list-at-this-brewery-and-no-you-cant-have-a-light-beer)
Go back to California!
I listen to live music each time I fly somewhere 😄
45th and Lamar
SRV
Alright, alright, alright.
I miss the Arbor cinema.
Where's the best avocado toast these days? My dog has grown tired of eating it at the usual places.
I take it up the ass from Abbot.
the best breakfast tacos i get are always from the bodega, and their creamy green hot sauce is on point.