Progressive was more expensive for me. We have 2 EVs in the household, might be why.

How quickly and well was your claim handled?

Yeah rates have been raised every year since 2020.

Thanks for this.

This is what I'm worried about.

Insurance is 1 for 1. So $1k deductible for both NJM and Geico.

Yeah I've had no problem with GEICO, but I could be paying less for coverage.

Oh boy, ok thanks

What do you mean "outdated with coverages"? Using old data?

Hell most of the time pedestrians in NYC don't even look before they cross let alone look for a sign. I kind of miss living in the city, NJ does not have a walking culture which is pretty sad.

Everyone has their heads up their own asses and think they're more important than everyone else. How else do you describe the extreme amount of tailgating to get to their destination 2 minutes earlier?

I go to Baltimore, MD from Newark once a month. It's pretty easy, one train and takes about 3 hours. Wilmington, DE is on the way. I would suggest getting 1st class tickets, it's much nicer. The train is reliable and has priority over NJ Transit, etc on the tracks (they share the same track lines).

I completely understand this. Last fall we were doing the same thing, owned a townhouse in Nutley and wanted to move to Livingston. Found a place but, during attorney review someone came and blew our offer away. We found another place in Verona, but the inspection came back with too many issues. Ended up going to Wayne, got outbid on one place, made an offer on another, but the buyer of the higher offer on the first place backed out and we ended up increasing our offer to get it.

It's a tough, weird market. Emotionally don't get attached to any one place, and keep looking and making offers even when you've currently made an offer or two.

Were offers with less than 20% down even competitive during the top of the market?

The housing market is very healthy as well, a lot of people have 20%+ equity in their homes, making them less likely to want to leave them.

There's very little chance home prices will drop outside of a hard recession. The proximity to NYC and Philly collectively allow for higher prices because of good, steady job markets. Waiting for a recession for prices to drop may or may not work out, people have been predicting a recession for a year now and we still aren't there.

Typically during a hard recession, the most recent example is 2008.

Oh man, I see this happening to me. I was actually commuting into the city until the pandemic and then was assigned to remote work in NJ last spring. They've already gotten taxes from me that I shouldn't have paid since I haven't worked in NY since 2020.

You should call and check. I mailed mine in December and it was "lost" I called several times and eventually mailed it certified in late January. Called several times again and they finally found it. I then had to call again to have an online profile set up so I could check the status online. Gotta love the government!

Oh that's not bad, I honestly thought it would be triple that price in Northern NJ.

I saw someone do a hard stop with 6 inches of snow on their roof, the snow fell down on their windshield and they couldn't see. Luckily this happened in a local road (30 mph speed limit), had it been on a highway it would have been an immediate accident.

This is 2 months worth and we have EVs. So basically spending on electricity but saving on gas.

Is there a rate applied to the amount as a whole and then another smaller rate applied to portions of usage?

So if you do the math, you'll see that each bucket of electricity is the full charge almost as if I'm being triple charged in the first month for delivery charges and then in the 2nd month the same thing is happening, but for generation charges.

Thanks. The water heater is gas. I don't think I'm being ripped off, I just wanted an explanation, which seems to be too much to ask. The tariff doc isn't very useful under the code they gave me in the bill which is just the normal Residential service.