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* What’s going on in your part of Illinois?…
posted by Isabel Miller
Tuesday, Mar 5, 24 @ 7:43 am
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Previous Post: Isabel’s morning briefing
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It appears that ComEd is finally getting themselves caught up after their billing system upgrade debacle. The bill I should have gotten almost 2 weeks ago was finally issued yesterday I just wish that they hadn’t put 36 days on the bill instead of the normal 30 or so. It makes it harder to compare usage when the billing period is 20 percent longer than usual. Hourly pricing still seems to be a very good idea if you have electric heat. I think I might save in the neighborhood of $70 this billing period thanks to hourly pricing.
Comment by Aaron B Tuesday, Mar 5, 24 @ 8:59 am
several hours of lightning and heavy rain, or so it seemed, past midnight. scared animals. tired parents.
Comment by Amalia Tuesday, Mar 5, 24 @ 9:08 am
Anyone having any trouble with Facebook? I was browsing my timeline and suddenly I was signed out and immediately was given a new sign in page that I had never seen before. Not signing that way. For now.
Comment by Cheswick Tuesday, Mar 5, 24 @ 9:46 am
Okay, found this: meta networks are down except for WhatsApp I guess. https://www.theverge.com/2024/3/5/24091207/meta-outage-facebook-instagram-threads-down-signed-out
Comment by Cheswick Tuesday, Mar 5, 24 @ 9:53 am
Kudos to this CTA bus driver: https://chicago.suntimes.com/crime/2024/03/04/cta-driver-passenger-rescue-14-residents-from-burning-south-shore-homes
Comment by JoanP Tuesday, Mar 5, 24 @ 10:06 am
I opened my annual (6 mo.?) statement from State Farm and read it closely yesterday. Apparently, the use a credit check to determine my insurance premiums. The exact details were not included (like how much my credit report helps or hurts).
That seems rather inappropriate to me. I have been a customer with State Farm since 1986 (38 years), and have never missed a payment. I have been with the current broker for 19 years. It seems to me if they wish to assess creditworthiness among new customers, fine. And if a person misses payments, drop them.
But to base “insurance risk” on a person’s overall credit history seems most inappropriate. My ability to drive is unrelated to my ability to make payments.
I hope the proposal in our legislature goes through. If insurance companies use every bit of data they can find to determine rates, then insurance companies are not taking on “risks” - they are rigging the game.
Comment by H-W Tuesday, Mar 5, 24 @ 10:17 am
“…they are rigging the game.”
Astute point by H-W - appreciate being alerted
Comment by Red Ketcher Tuesday, Mar 5, 24 @ 10:35 am
I took my daughter to the pediatrician yesterday. The practice, where she has been a patient for many years, is part of Duly, formerly DuPage Medical Group. Was asked to sign a patient financial policies form that included on the second page a $10 million cap on damages under any theory (contract, negligence, etc). Seems shady.
Comment by Just Lurking Tuesday, Mar 5, 24 @ 10:54 am
@Cheswick, wow, yes. I kept trying to sign in and it took forever to do that. Immediately changed my password. good luck.
Comment by Amalia Tuesday, Mar 5, 24 @ 11:02 am
I was saddened to learn of the closing of Alexander’s in Springfield.
On my last visit, my meal was fine, but it did seem as if the restaurant was having staffing problems.
Comment by Gravitas Tuesday, Mar 5, 24 @ 11:12 am
==But to base “insurance risk” on a person’s overall credit history seems most inappropriate. My ability to drive is unrelated to my ability to make payments==
As was explained to me back in the 90’s by the owner of an auto insurance company with those ever present radio ads- it was standard even back then because of the correlation to filing a claim
Comment by jimbo Tuesday, Mar 5, 24 @ 11:25 am
@ Jimbo
Yep. I bet they could also find a correlation with height and weight and shoe size and risk, right?
Correlations are not causation. When they can prove that my ability to pay causes me to be a better or worse driver, I will eat my hat. I have been driving the same for a long time, though my weight has changed and my earnings have changed. And I only file a claim when I have an accident, or need a tow.
Comment by H-W Tuesday, Mar 5, 24 @ 11:34 am
@JustLurking - Had never heard of that medical group but of course the first thing that comes about them is all the debt they have from a private equity takeover. That was what I expected if yhey are asking you to agree preemptively to a cap on lawsuit damages.
Private equity is a menace.
Comment by hisgirlfriday Tuesday, Mar 5, 24 @ 12:35 pm
H-W - it’s about more than ability to pay on time. People with high credit scores tend to be more careful and risk averse in their daily lives than people with low credit scores. Therefore they are less likely to be in accidents and file claims and get lower rates. Credit is just one of many factors that can affect your rate, but it is actuarialy accurate and legitimate for insurance companies to use in determining rates.
Comment by Captain Obvious Tuesday, Mar 5, 24 @ 1:36 pm
a sixth grade student brought a gun to school in Gurnee
Comment by CleverDisplayName Tuesday, Mar 5, 24 @ 3:21 pm