Ryan Lundquist

Pretty cool to be in the New York Times today. It’s a piece about tech companies, and I shared some thoughts about tech home flipping. nytimes.com/2023/01/23/tec…

@MikeTentis Thanks.

@SacAppraiser I use both Constant Contact and MailChimp. From a usability perspective, CC is easier to master. That said, MailChimp offers more robust list tools.

Who do you use to send emails? I need to make a switch from MailChimp.

@mortgagetruth @rafricci Not sure. I’ve had WordPress for 17 years. I’m starting to not like it as much lately.

@rafricci @SacAppraiser Can you send out via email without posting entire blogs on Substack? Like keep on Wordpress?

@mikesimonsen Yeah, hard to take a snapshot seriously when we can’t see context.

Pro tip: A Zillow screenshot where you are lamenting all the red bubbles is NEVER useful analysis.

@rafricci I'm thinking about it. Thanks.

@SacAppraiser Substack

@Peletta_33 A few different things. One big concern is a blog I wrote on Thursday didn’t get emailed out until Monday. That should definitely not have happened based on my settings. I reached out to them on Monday, and haven’t heard back. They keep raising rates without innovating also.

@SacAppraiser What happened with Mailchimp? I've been loving them. Constant Contact would be another option

@AlexandraT61998 Good point.

@SacAppraiser that is true, but someone who is appointed can be easily removed for doing a terrible job. many more homes will become uninsured in california. not good for business.

30% rate hikes? Yikes. FAIR Plan policies are expected to see rate hikes in October 2026. This is last-resort type insurance in California when traditional insurance is not available. The number of FAIR Plan policies has seen exponential growth in recent years.

@AlexandraT61998 I hear you. To be fair, not everyone who gets appointed is qualified either. Very frustrating to be talking about insurance so much in real estate conversations. It didn’t used to be like this.

@SacAppraiser the insurance commissioner should be appointed, not elected. it isn't a popularity contest. we need a qualified pro.

@jimmydean197 Seriously. People call it the unfair plan.

@SacAppraiser What an ironic name

@garysenser Nice. I’ve not been successful yet with auto.

@SacAppraiser I’ve done that twice for auto insurance.

Our homeowners insurance went up $600. So, I called an insurance broker friend, and the new policy with a different insurer is going to be $1,000 lower than the existing plan. Gotta love insurance stuff.

@tmaxftw Totally agree. We should be able to tap into insurance. Yet, we can get penalized for doing so.

@SacAppraiser It’s sad and kind of backwards when you think about it, but it’s just one of those “it is what it is” things.

@Lavinda_77 They are not in good financial shape.

@SacAppraiser This means they are going under

@tmaxftw That’s serious wisdom there. I’ve learned also. I filed a couple claims, and insurance didn’t do anything. Granted, we had quite a pipe situation under the house once, so that was big. They still didn’t cover. I will never file any claim with any insurance unless it’s big.

One of the lessons I learned when owning a home in Newport Beach was basically…don’t ever file a claim with your home insurance in California. No matter what it is. When we sold our house the buyers had to get expensive insurance from Lloyds of London or whatever it’s called because it had 2 claims against it in 5 years. Both minor pipe leaks. Just pay cash.

@caiguy @LonestarMoney @USAA Such a bummer. Very sorry to hear that.

@SacAppraiser @LonestarMoney @USAA I shopped with 3 places and everything more than doubled. Or it was tripled 😭

@mortgagetruth I don’t think it’s just one thing. Some sellers really are just not listening. That’s still a thing. I think the ones where it’s tough is when they just don’t have much equity, so things are too tight.

@SacAppraiser But that's my point. Are they "blowing it" or simply not that motivated.

Pricing it right makes all the difference. That’s what the stats show us.

@mortgagetruth It depends. I think sellers are doing OK overall statistically. There are some who are really blowing it. Others are doing great and listening to advice and the market. Some sellers need a certain amount, so they are holding out. We don’t have record high price reductions.

@SacAppraiser But is the seller motivation there to "price is right?"

@JEJakiun Totally agree. I cringe a little here because we were sleeping on our previous policy and overpaying by about $400 every year. Oh well. At least we have it corrected now.

@SacAppraiser ABS. A - ALWAYS B - BR S - SHOPPING

@jerrett_ray Yeah, I hear ya. As a self-employed guy, it can get interesting trying to navigate everything.

@SacAppraiser I feel like with health insurance the options are so limited so we always end up with Kaiser, thank you for the info