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Author Topic: The Florida thread - for those who live, study, or plan to work in Florida  (Read 10464 times)

maka nani

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hey split!! not bad, how are you?  i forgot if I told you that LInda from our PS is in my class.  She was the older woman who always wore Hypnotic Poison perfume :) haha i know that b/c I used to wear it.  very nice lady.  We are in an 8 week summer session with con and crim...it is so tiring.

how is emory?
DON'T GO TO LAW SCHOOL YOU DUMB FUCKS.

SplitFinger

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Ohhhh yeah, I (very) vaguely remember her... tell her I said hello.  :)

Emory is great, I love it as much as it is possible to love a law school, that is, I only mildly detest it on most days.  Nah, actually, it is really good, but I am soooooooo glad to be done with 1L.  This summer I'm working for the Federal Defender's office, and we're in the middle of a two-week conspiracy/fraud/ID theft trial where we're representing one of five co-defendants.  It's a total circus - I love it.  :)  Being a pretend lawyer beats the hell out of being a real law student, that's for darn sure.
Emory '09

LSN

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http://www.ifilm.com/video/2667080

info about floridas best beach

completely work safe!


and if you watch til the end, youll learn something new!
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http://www.sun-sentinel.com/news/local/florida/sfl-flfuniv0710nbjul10,0,5360494.story?coll=sfla-news-florida

Florida university system's board to consider austerity measures today

they are talking of capping some schools.

wonder if that applies to law?
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http://www.sun-sentinel.com/sfl-flpfiu0714nbjul14,0,3130589.story?coll=sofla_tab01_layout

i think this is huge

florida schools are putting caps on enrollment, and their not building any new colleges...
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some interesting info for those of you that dont read the news...

http://www.miamiherald.com/103/story/170182.html
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http://news.tbo.com/news/metro/MGBUADNS74F.html

Citizens' Rapid Growth Alarming
Skip directly to the full story.

By RUSSELL RAY The Tampa Tribune

Published: Jul 17, 2007

TAMPA - It wasn't supposed to be like this.

Citizens Property Insurance Corp., established by the state for homeowners who could not get insurance in the private market, has evolved into an industry titan. With more than 1.3 million policyholders, it is now the state's largest property insurer, eclipsing State Farm.

Its recent rapid-fire growth has lead to another distinction: Citizens says it's now one of the largest property insurersin the nation.

The state-backed insurer didn't want to grow and increase its exposure in Florida's high-risk market, but Citizens is required by law to take on policies that no other company will cover. And that's happening with continued frequency as private companies reduce their risk in Florida, which was raked by storms in 2004 and 2005.

"That's a sign of how weak the private market is," said Citizens spokesman Rocky Scott. "No one is writing commercial insurance. Nobody is writing wind, and very few companies will cover condominiums. This is statewide."

As a result, the so-called insurer of last resort is expected to continue to grow at a blistering pace. The company expects to have 2 million policyholders by year's end.

Robert Hartwig, president of the Insurance Information Institute in New York, says Citizens' growth is concerning. He believes the company has taken on too much risk and is overexposed. That could have serious financial consequences should a major hurricane or a series of hurricanes hit the state and cause massive losses. Citizens could end up paying billions in claims, draining its assets and resulting in assessments on insurance policies statewide to build a new pool of money for the company.
Citizens' Reluctant Customers

Property owners who are covered by Citizens have their own worries.

Geri Biewer of Palm Harbor was one of about 100 who attended a public forum hosted by the insurer Monday in Clearwater.

She said that next month she will unwillingly become a Citizens policyholder. The reason: Nationwide insurance is dropping coverage on her home, she said, and she was unable to find any company other than Citizens to cover it despite the fact she has never filed a homeowner's claim.

"No other insurance company will cover me," Biewer said. " It really is very scary because I have no options."

Biewer said she is distressed because her annual property insurance premium will be even higher than the $2,800 she was paying Nationwide. Citizens, she said, has informed her that her annual premium will be $3,500.

Others attending the forum also complained about rising premiums after they were placed with the company. In some cases, people told Citizens officials, their premiums jumped fivefold after they were placed with Citizens.

Scott, the Citizens spokesman, said the company is sorry about policy costs but must charge rates set by law.
Poe Collapse Also Fueled Growth

Since June 2006, Citizens has added 450,000 policyholders, the result of private companies dropping thousands of customers and the financial collapse of Tampa-based Poe Financial Group, which resulted in the sudden transfer of 320,000 policies to Citizens.

Since December 2005, Citizens' exposure has doubled, rising from $220 billion to $452 billion today. The number of Citizens policies outside the high-risk coastal areas also has doubled, Scott said.

During the past 18 months, private insurers in Florida have dropped about 250,000 policies. People who have been dropped often have turned to Citizens for coverage.

Citizens has $9.4 billion available to cover claims if a devastating hurricane hits Florida. Beyond that, money from the state's Hurricane Catastrophe Fund would be used to cover losses.

Is that enough to cover the claims triggered by a major hurricane? Is Citizens overexposed?

"Yes and no," Scott said. "It depends on where the hurricane hits."

Citizens has enough capital to cover claims outside the high-risk coastal areas, Scott said. But it could fall short on cash if a major hurricane hits a highly populated area along the coastline, he acknowledged. About 420,000, or a third, of Citizens policyholders are in coastal areas.

"There is a chance that we might have to go to assessments to recoup damages to get into the CAT fund," Scott said.
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http://www.sun-sentinel.com/sfl-flbbudgetcuts0717pnjul17,0,1813231.story?coll=sofla_tab01_layout

Florida's community colleges struggle with budget cuts

so, there capping the uni's AND the CC's?

thats smart!
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Re: The Florida thread - for those who live, study, or plan to work in Florida
« Reply #178 on: August 10, 2007, 06:56:24 PM »
 ;D ;D
coming home, one of those beach planes dragging a banner is flying around, advertising
platinum plus, naked ladies, no cover tonight   :D :D
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Re: The Florida thread - for those who live, study, or plan to work in Florida
« Reply #179 on: August 25, 2007, 05:10:18 PM »
http://www.miamiherald.com/top_stories/story/214864.html


The property tax on a median-priced home in unincorporated Miami-Dade rose to $8,011 last year from $3,114 in 2000 and hit $7,988 in unincorporated south Broward, up from $3,505 in 2000. Homeowners insurance has skyrocketed similarly.

That's if you can afford to buy a home in the first place. Between 2000 and 2006, the median home price rose 172 percent to $375,800 in Miami-Dade and by 148 percent to $367,800 in Broward, says the Florida Association of Realtors. (The median is the point at which half the homes sold are above and half below.)


thots not including insurance, btw...
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