7,943 karma · joined May 2, 2012
- Don't use social media. It's all garbage and counterproductive for your attention. Once you stop using it, you start to forget it exists.
- Always carry a Kindle, and when you're bored, read instead of reaching for other apps or games.
- Try to read 15 minutes before work, 30 minutes during lunch, and 15 minutes after work. That's an hour of reading a day — enough to get through a lot of books and papers.
- If you use an elliptical, read while on it. It takes practice, but it can be done.
You will see the biggest gains by saying bye to social media.
Example: https://www.researchgate.net/publication/247504935_They_Hear...
5/6/2026
Drank a cup of coffee; Made snarky remark to HN user.
If you own a house or building in Florida and have a mortgage, you're required to carry it. Here's how a policy gets priced:
You go to a retail broker with your info. They pass it to a wholesaler, who puts the submission out into the market for quotes. Any carrier or MGA that wants the business prices the CAT and AOP (non-CAT) portions separately. Actuaries build models for the AOP side, while Verisk and Moody's model the CAT portion. Those two numbers get added together, plus some fees — and that's your annual premium.
From there, the insurers buy reinsurance on their portfolios. The reinsurers run those same models, do their magic, and come up with their own price.
Just an example, because no major hurricanes have hit the south east in a while, premiums are down 30% right now. All of the insurance companies are getting squeezed.