Home insurance rebuild rip off

[ukusa]

this new home sum insured that's happening at the moment, what a scam. State trying to tell me my rental property in Hornby will cost $576,400 to rebuild. They have the details correct (120m2, brick & tile, flat land, single garage, 53 years old, still has 60's kitchen & timber joinery, all original), but where the hell do they come up with a number that could build a architect designed home for a posh suburb from? FFS, the whole property is only worth about $350K, and that includes the land.
Anyway, hours on the phone, they can't tell me where they got their figure from, & they are only willing to go to a value that their online calculator comes up with for a house rebuild, which is still $10K more than my entire property value. I'm sticking to my guns on this, prepared to value at $320K including demolition & admin costs etc. They are refusing to cover it at that, so might be off to ombudsman (unfortunately cant change insurance co's in christchurch.

[mashman]

I suppose that's one way to force people to go out and get a professional evaluation. Bad luck man.

[oneofsix]

I suppose that's one way to force people to go out and get a professional evaluation. Bad luck man.

+1. This move has me worried about the insurance coming due. Flip a coin, Heads you get ripped off or tails you get ripped off. Under insure and risk being unable to replace, over insure and money down the drain. Somehow you are meant to somehow be better at estimating the rebuild costs than the insurance professionals, who's salaries you will still be paying through your fees btw but now there job will be to deign claims just like in the USA health insurance industry.

[Paul in NZ]

Our problem is the other way around....

Bastards - its going to cost me money one way or another...

[Akzle]

what, you expected a company that deals in money to HELP you??!
:laugh:

it got too expensive for them.. you were affecting the bottom line. so they changed the rules!

if i makes you feel any better, it's happening to every poor c*nt with insurance, everywhere
(and people sill don't see what's wrong with the system)

[Swoop]

I warned people months ago that this was on the horizon...


If you under insure, all it means is that you might have to build something a bit smaller than currently existing OR trim back on the spa baths, heatpumps and solid gold taps.
Whatever happens, make sure the old house is burnt to the ground and the fire service are given a few beers to stay away while it burns down. This means savings from the amount of crap that has to be trucked away to a tip somewhere.

[ukusa]

Update ..... after about 2 hours of phone calls & 2 ring backs (as cordless phones both ran out of battery), I finally got them to reduce the demolition/rebuild cost to where I wanted it, that is $320K. I argued the fact with people higher up the chain who liased with their loss adjusters. My main point of argument was based on if my house burned to the ground, I would be happy with maximum $320K payout (300 for rebuild, 20k demolition) because I already have a demo/rebuild scope (from State) on the house I currently live in, & it is less than what they wanted for the rental property rebuild (and for a bigger house!). They couldn't really deny it.
Anyway, long story short, my new premium has now gone from being $235 above last years, to being $41 less than last year. A win for common sense. I encourage all to fight for their own estimate, don't get forced to pay for a professional.

[merv]

Update ..... after about 2 hours of phone calls & 2 ring backs (as cordless phones both ran out of battery), I finally got them to reduce the demolition/rebuild cost to where I wanted it, that is $320K. I argued the fact with people higher up the chain who liased with their loss adjusters. My main point of argument was based on if my house burned to the ground, I would be happy with maximum $320K payout (300 for rebuild, 20k demolition) because I already have a demo/rebuild scope (from State) on the house I currently live in, & it is less than what they wanted for the rental property rebuild (and for a bigger house!). They couldn't really deny it.
Anyway, long story short, my new premium has now gone from being $235 above last years, to being $41 less than last year. A win for common sense. I encourage all to fight for their own estimate, don't get forced to pay for a professional.

Lol, just checked States own on-line calculator here http://need2know.org.nz/state/ did a few average things, put one heat pump in the house (not sure if it had any heating) and based on the size of 120m2 it spat out $327,000 so $320 is the number they should have been getting not $576,400 as you said.

[ukusa]

Lol, just checked States own on-line calculator here http://need2know.org.nz/state/ did a few average things, put one heat pump in the house (not sure if it had any heating) and based on the size of 120m2 it spat out $327,000 so $320 is the number they should have been getting not $576,400 as you said.

yeah, the one I did online came up as $356K (no heat pumps either), must have just been path/driveway sizes or similar differing. But that $356K was still more than entire land/house value combined, hence my aim at lower house rebuild figure.

[HenryDorsetCase]

this new home sum insured that's happening at the moment, what a scam. State trying to tell me my rental property in Hornby will cost $576,400 to rebuild. They have the details correct (120m2, brick & tile, flat land, single garage, 53 years old, still has 60's kitchen & timber joinery, all original), but where the hell do they come up with a number that could build a architect designed home for a posh suburb from? FFS, the whole property is only worth about $350K, and that includes the land.
Anyway, hours on the phone, they can't tell me where they got their figure from, & they are only willing to go to a value that their online calculator comes up with for a house rebuild, which is still $10K more than my entire property value. I'm sticking to my guns on this, prepared to value at $320K including demolition & admin costs etc. They are refusing to cover it at that, so might be off to ombudsman (unfortunately cant change insurance co's in christchurch.

get a QS. or a different insurance company. (BAHAHAHAHAHAHAHAAAAA - sorry)

[HenryDorsetCase]

what, you expected a company that deals in money to HELP you??!
:laugh:

it got too expensive for them.. you were affecting the bottom line. so they changed the rules!

if i makes you feel any better, it's happening to every poor c*nt with insurance, everywhere
(and people sill don't see what's wrong with the system)

you have heard the phrase "necessary evil"? Because lemmetellya, having insurance is better than not having it, based on recent relevant experience.

[Akzle]

you have heard the phrase "necessary evil"? Because lemmetellya, having insurance is better than not having it, based on recent relevant experience.

no. Raping boys is necessary evil. killing hookers, necessary evil. Driving drunk, smoking crack, invading middle eastern countries, digital prostate exams, gassing jews, genociding injuns, all necessary.

Systemic slavery and Defrauding every god fearin white cunt, thats NOT necessary.

[KoroJ]

Good result in the end...


(unfortunately cant change insurance co's in christchurch.

Actually, I think you might find that there are three companies all owned by IAG and it is possible to switch between them.

We have struck this where houseowners were being bullied by State and we managed to place the client with NZI.

I don't know what is up with State on this, but the Sum Insured is ultimately the Houseowners responsibility and hence the whole reason for providing online calculators. Most of the default values we have seen have been low (except for State's) and although under insurance is a problem with Insurers, trying to push $3K+ per sq mtr for an average home on flat ground is pushing it a bit!

[Road kill]

you have heard the phrase "necessary evil"? Because lemmetellya, having insurance is better than not having it, based on recent relevant experience.

That's the most shitting thing about the whole bloody thing.

Fuck it,I really don't like paying for something that should never happen.

I didn't buy at the bottem or the top of a gully on the river flats by the beach or on top of a fucken cliff,the nearest volcano is a fair way away an we don't have earth quakes around here thanks.

Anybody wanna buy a nice three bedroom late 60's style home in Tokoroa ?

Fully fenced, two car skyline garage/workshop,new fan forced fire,,,concrete fucken drive way bro',,,,,with a gate.

Why live in Auckland when you can buy 6 of these fuckers for the same $ in Tokoroa ?
Then sit back an rake in the rent from all the solo mums that are the few people still allowed to live in Toke by WINZ if their on the dole.


Buy my house damn it. :brick:

[AllanB]

Half a mill - mate you are dreaming!.

Easy to verify - go to a show home or two and ask for plans and costs of a new similar house. Add additional foundation costs relative to your land zone and demo ($15 -20k average house). On line calculators err on the side of caution as they do not want to be finger pointed at if it all goes tits up and they recommended a too low value.

[Ocean1]

no. Raping boys is necessary evil. killing hookers, necessary evil. Driving drunk, smoking crack, invading middle eastern countries, digital prostate exams, gassing jews, genociding injuns, all necessary.

Systemic slavery and Defrauding every god fearin white cunt, thats NOT necessary.

Ohyeah, it's not like you don't have to use the bastards.


Ummm...

[Jantar]

Fortunately our house insurance came up for renewal just before this change, so for the rest of this year at least, we still have replacement value. However I tried three different online calculators for our house and came up with three different values between $670K and $707K. This is an interesting result because I know what it cost to build, and this is far too high.

All three calculators asked the length and width of the driveway, so I put in 55 m long by 3 m wide. So how does that add $20K to the value? It cost me $800 for 4 truckloads of crushed Schist and 4 hours work on the tractor to spread and smooth it. ($674K with and $654K without the driveway).

[Swoop]

This is an interesting result because I know what it cost to build, and this is far too high.
Jantar, how long ago did you build?

If it a few years back, then council fees will have gone up and also the new building code has affected build price. There are also more build costs in the forseeable future as well...

[SMOKEU]

no. Raping boys is necessary evil. Killing hookers, necessary evil. Driving drunk, smoking crack, invading middle eastern countries, digital prostate exams, gassing jews, genociding injuns, all necessary.

Systemic slavery and defrauding every god fearin white cunt, thats not necessary.

lmfao!!!!!!!!!

[Ocean1]

council fees will have gone up and also the new building code has affected build price.

Man, you're not kidding. I watched my brother's garage being built a couple of months ago, the quantity of timber in the frame was fucking rediculous. You would've been fine leaving the cladding off because there were fuck all gaps to worry about. To compare it with what admittedly probably represents the other end of the spectrum, a skyline garage of a couple of decades ago I reckon there was 4 times the material and three times the labour.

And let's face it: there have been fuck all failures of garages built under the old code, so who's driving this particular piece of bullshit? And why?

[Swoop]

Man, you're not kidding.

I have plans submitted to council at the moment. Fully drawn up and then a separate engineer has gone over them to do his calculations and sign off.

Why I'm paying substantially over two grand, simply for some council knobend to sign-off and file away, is well beyond my comprehension.

[Ocean1]

I have plans submitted to council at the moment. Fully drawn up and then a separate engineer has gone over them to do his calculations and sign off.

Why I'm paying substantially over two grand, simply for some council knobend to sign-off and file away, is well beyond my comprehension.

It was a retorical question. I know exactly why structural code and compliance costs have skyrocketed. Some leaky homes provoked owners to suggest that if we're paying councils to approve plans and inspect buildings then shirly they should be responsible for design deficiencies and build compliance. Faced with admitting that generations of kiwis had been paying them for sweet fuck all they decided that if they were going to be held accountable for their fuckups then we should pay for that possibility.

If there was an option to opt out of that wee piece of bullshit, pay for our own engineering consultant and his associated PL and PI insurance I'd say it'd be a damned sight cheaper. Oh, wait, we have to do that too?

In any other industry an effective commerce commission would have seen that sort of bullshit as the protection racket is is and arseholed the bastards.

If we had an effective commerce commission.

Christ help me if I've ever got to build again. The only consolation would be finding new and interestingly painfull ways to take the bastards down with me.

[neels]

I have to change from replacement to insured value on our place, so did the online calculator and it came up with $878k to rebuild it.

There was no way I could tell it there is a 6 car internal access garage, there was no correct option for the construction of the house, and a bunch of other minor things.

Guess I just take a stab in the dark, but in any case I suspect that in excess of $3k a sq metre is a bit excessive.

And don't forget, if you overinsure and your house gets rebuilt they will pay the actual cost, but you won't get the difference or any refund on the excessive premiums you've been paying.

[Naki Rat]

We renewed our house insurance (with AMI) in mid May just after the change to Insured Value. Enlisted the services of a registered valuer (~$500) and now have an insured value that will hold up in the case of a big claim. Just under $500K for our rurally located house including roofwater storage tanks, septic tanks, PV set-up and potential demolition costs. Market value for our 1.5 acre property is probably not much more than that but having recently had a reroof and partial reclad done it's not hard to see where the replacement cost comes from :crazy:

We figure that a re-valuation every 4 or 5 years will be sufficient to keep the total value accurate between times so consider that ~$100/year to be cheap peace of mind.

Both us and the valuer compared the valuation to the online calculator and got significant differences. It is only a very rough tool and with no facility to include many items (e.g. septic tank, architectural features, existing asbestos content), its results wouldn't be worth a pinch of shit if a big claim was contested.

.....and compared to North American house insurance where public liability is essential (due to lack of ACC?) our insurance costs are very cheap, for now!

[avgas]

So they were offering $500K and you took $300K?
or did I miss something.

[Jantar]

Jantar, how long ago did you build?

If it a few years back, then council fees will have gone up and also the new building code has affected build price. There are also more build costs in the forseeable future as well...

12 years ago. But I still can't see $128K going up to over $670K

[Grumph]

12 years ago. But I still can't see $128K going up to over $670K

Talk to people in Canterbury...builders quotes at present are valid for around 10 days i'm told...Then they get revised upward.

We've got a rural "historic house" and at one time we thought it was a write off. We found a place based up North which does copy historics at quite reasonable cost. When we have to change to replacement cost insurance we'll simply insure enough to cover one of their standard builds. Plus of course enough to upgrade septic tank to current specs.

[Banditbandit]

Yeup. Just got the new insurance bill. The company is saying $403,000 to rebuild ... shit the GV is on $300,000 all up ...

[Oscar]

Yeup. Just got the new insurance bill. The company is saying $403,000 to rebuild ... shit the GV is on $300,000 all up ...

The GV has nothing to do with the cost of rebuilding.

[Oscar]

Fortunately our house insurance came up for renewal just before this change, so for the rest of this year at least, we still have replacement value. However I tried three different online calculators for our house and came up with three different values between $670K and $707K. This is an interesting result because I know what it cost to build, and this is far too high.

All three calculators asked the length and width of the driveway, so I put in 55 m long by 3 m wide. So how does that add $20K to the value? It cost me $800 for 4 truckloads of crushed Schist and 4 hours work on the tractor to spread and smooth it. ($674K with and $654K without the driveway).

The calculator is a guide.

Insurers are between a rock and a hard place with nominated sums insured.

They can't possibly know what the rebuild costs are for every house, in every area of the country, so they give you access to a guide.
Of course the estimates are on the highside, as it's much easier to argue sums insured when renewing the cover, but not so good just after a claim.

Typically of NZers, this process results in an automatic assumption that someone is trying to rip them off (see OP).

The fact is that you are not required to use the calculator, and can insure your house for whatever you like (bearing in mind that, on a "replacement value policy", the sum insured must represent something approximating the rebuild cost).

[HenryDorsetCase]

The GV has nothing to do with anything

I fixed that for you.

;)

[Oscar]

I fixed that for you.

;)

It's used to set the rates, actually.

[Ocean1]

The fact is that you are not required to use the calculator, and can insure your house for whatever you like (bearing in mind that, on a "replacement value policy", the sum insured must represent something approximating the rebuild cost).

How many of them offer "agreed price" cover?

Might mean their people have to actually get of their arses and look to see if someone's trying to insure a hovel as a mansion, but outside of that the advantage is that agreement up front would clear up any percieved unfairness.

[Oscar]

How many of them offer "agreed price" cover?

Might mean their people have to actually get of their arses and look to see if someone's trying to insure a hovel as a mansion, but outside of that the advantage is that agreement up front would clear up any percieved unfairness.

In effect we're all getting agreed cover now as many insurers are happy to take your word for the replacement value.
You need to insure your house at a figure that is not too high (so you don't pay premium for nothing) and not too low as to involve the infamous average clause.

[Banditbandit]

The GV has nothing to do with the cost of rebuilding.

Yeah .. I do get that ... it's supposed to be close to the market value ... and "all up" includes the land ... so the insurance company's guess at the rebuild cost is unbeleivably high .. I would expect the cost of a house to be close to the rebuild cost .. not as far apart as that ...

[Oscar]

Yeah .. I do get that ... it's supposed to be close to the market value ... and "all up" includes the land ... so the insurance company's guess at the rebuild cost is unbeleivably high .. I would expect the cost of a house to be close to the rebuild cost .. not as far apart as that ...

Not always.
Depending on when the GV is done, it can be all over the place.
Because my house is only five years old, the rebuild cost (even based on the calculator) is way less than the GV.
That's probably because we live in a reasonbly flash area, we have a lot of land and that the GV is very new.

[Banditbandit]

OK .. yes .. but the rebuild value I have been given is more than DOUBLE the GV (minus the land value) .. don't you find that a little worrying?

[Oscar]

OK .. yes .. but the rebuild value I have been given is more than DOUBLE the GV (minus the land value) .. don't you find that a little worrying?

Very.
You don't have to use it though - do you know any builders, valuers or quantity surveyors?
Get them to give you a figure.

I used the IAG calculator just now and it does seem to be very optomistic.

[ukusa]

And don't forget, if you overinsure and your house gets rebuilt they will pay the actual cost, but you won't get the difference or any refund on the excessive premiums you've been paying.

It's exactly why I challenged them. Brand new home & land packages can be bought in the area for less than the original rebuild price they quoted for my rental house.

[SPman]

Yeah .. I do get that ... it's supposed to be close to the market value ... and "all up" includes the land ... so the insurance company's guess at the rebuild cost is unbeleivably high .. I would expect the cost of a house to be close to the rebuild cost .. not as far apart as that ...

Insurance companies - guess high when they want your premiums, but wait until they have to pay out......

[ukusa]

The fact is that you are not required to use the calculator, and can insure your house for whatever you like (bearing in mind that, on a "replacement value policy", the sum insured must represent something approximating the rebuild cost).

Wrong, the facts are is you either use;
a) the value they have calculated & sent to you in the mail (way over-valued)
B) they will let you use the value that the online calculator gives if you don't want to use (a)
C) you can pay for an official rebuild valuation.

State refused to let me say the value I wanted my house rebuild set at. I argued the fact that If I wanted to insure my car for less than it's value, they would accept that & pay out that lesser amount if I were to claim. I had to fight for this, and it helped greatly that I had a very recent quote (from the same insurance co.) for a full demolition & rebuild on my larger more expensive house, that was still nearly 20% cheaper than the online calculator estimate.

[Erelyes]

Faced with admitting that generations of kiwis had been paying them for sweet fuck all

What if inspections / signoff were voluntary 15 years ago. Fuck buying a house built then, no idea what's behind the walls, grading of wood, waterproofing of this that or the other, blah blah. Company that built it no longer exists (going broke? fuck the creditors and let's liquidate and make a new coy 2 years down the track).

To inspect anything in the house means ripping off this that or the other, invasive testing, some things to find out you have to rebuild em anyway = $$$$$

Oh, and I thought it was the Code that said perrmitted dumb shit like fix roughcast cladding direct to untreated timber framing, not Councils - they just enforced the code. Then when everyone's houses started leaking they whinged at Council cos it was 'signed off' - of course it did, but the the regs at the time were fucked.

I think building compliance gets lumped along with insurance and wearing a condom in 'necessary evils'.

[Oscar]

Wrong, the facts are is you either use;
a) the value they have calculated & sent to you in the mail (way over-valued)
B) they will let you use the value that the online calculator gives if you don't want to use (a)
C) you can pay for an official rebuild valuation.

State refused to let me say the value I wanted my house rebuild set at. I argued the fact that If I wanted to insure my car for less than it's value, they would accept that & pay out that lesser amount if I were to claim. I had to fight for this, and it helped greatly that I had a very recent quote (from the same insurance co.) for a full demolition & rebuild on my larger more expensive house, that was still nearly 20% cheaper than the online calculator estimate.

Jeez, you're a bit of an expert, are you?
You've just repeated pretty much what I said.
The IAG (ie.the owners of State) "Need to know" website says that you can set your own sum insured as long as it's "replacement value"

Because you're in Chch, you have no ability to change insurers, but if State won't play ball, go to NZI (which is in the same group as State, but a bit more commercially focused) and you'll get what you want.

[Ocean1]

Then when everyone's houses started leaking they whinged at Council cos it was 'signed off' - of course it did, but the the regs at the time were fucked.

So, what value was there in having a council inspection?

And why have a code in the first place if nobody is accountable for the results of building to it?

Given my choice I'd spend the money on a proper designer and an independent inspector and fuck BRANZ and the council, at least if the professionals fuck up I have some recourse.

[Swoop]

Don't forget to add in for the cost of a surveyor if your replacement building (or alterations) will be closer to a boundary than the existing main dwelling.
If you are unable to establish where the survey pegs are located, this is an additional grand on the bill.

[Ocean1]

Don't forget to add in for the cost of a surveyor if your replacement building (or alterations) will be closer to a boundary than the existing main dwelling.
If you are unable to establish where the survey pegs are located, this is an additional grand on the bill.

That's interesting. Do you know how difficult it is to do that nowadays? It takes longer to smack in the pegs than it does to establish where they're supposed to go.

[oneofsix]

That's interesting. Do you know how difficult it is to do that nowadays? It takes longer to smack in the pegs than it does to establish where they're supposed to go.

That would depend on the subdivision. A modern could be quick but I don't believe GPS would be accurate enough, they still have to establish a link back to a reliable known datum down. And if it is an old subdivision there is all sorts of conversions to be done. I expect this would have been a big headarche for Chch with some of the datum point themselves having moved.

[Swoop]

That's interesting. Do you know how difficult it is to do that nowadays? It takes longer to smack in the pegs than it does to establish where they're supposed to go.

Quite easy nowadays. The GPS based systems make things far quicker and you're right about the time involved to drive in the pegs.

Having a chap wander around your land, looking busy, whilst tut-tutting at his equipment and scribbling down a few notes (or choosing his weekly lotto numbers) adds up. If people get change out of a K, they are quite lucky.

[Ocean1]

I expect this would have been a big headarche for Chch with some of the datum point themselves having moved.

Now that's a good point. Wonder how many people's sections have grown or shrunk....

[oneofsix]

Now that's a good point. Wonder how many people's sections have grown or shrunk....

Actually I imagine the main issue would be that the pegs will have moved making people think the section has changed size but actually all it means is that the peg is now in the wrong place. Their section never grows, only really shrinks when it drops into the sea :cry:, but trying to re-establish the sections size and position could be fun. :crazy:
Umm now there is a question, as the plates move, the land your section is on moves. Is it possible that part of your section could end up in the road? Or to put it another way the road could run over part of your section unless the alignment is corrected?

[Naki Rat]

Now that's a good point. Wonder how many people's sections have grown or shrunk....
Following any decent quake a resurvey of the affected area is done based on trig (datum) points outside the extent of land deformation. For the Edgecombe quake this necessitated establishing a new survey network from the trig stations on the surrounding ranges.

This resurveying is not only for cadastral (legal boundary) reasons but also for engineering purposes such as redesigning sewer and stormwater systems that mainly flow under gravity by gradients that are often altered by ground movement. The land registry of a quake affected area will have a blanket disclaimer put on prior boundary locations and new titles will be issued often taking account of where fences, walls, hedges ('occupation') is located post-quake.

[BMWST?]

That's the most shitting thing about the whole bloody thing.

Fuck it,I really don't like paying for something that should never happen.

I didn't buy at the bottem or the top of a gully on the river flats by the beach or on top of a fucken cliff,the nearest volcano is a fair way away an we don't have earth quakes around here thanks.

Anybody wanna buy a nice three bedroom late 60's style home in Tokoroa ?

Fully fenced, two car skyline garage/workshop,new fan forced fire,,,concrete fucken drive way bro',,,,,with a gate.

Why live in Auckland when you can buy 6 of these fuckers for the same $ in Tokoroa ?
Then sit back an rake in the rent from all the solo mums that are the few people still allowed to live in Toke by WINZ if their on the dole.


Buy my house damn it. :brick:

your are deluded my man.The whole of NZ is an earthquake zone...ask people if Christchurch was supposed to be,Auckland sits on Dormant(supposedly) volcanoes,Tokoroa is closer to volcanoes that have proven not to be dormant.

[oneofsix]

your are deluded my man.The whole of NZ is an earthquake zone...ask people if Christchurch was supposed to be,Auckland sits on Dormant(supposedly) volcanoes,Tokoroa is closer to volcanoes that have proven not to be dormant.

Who the fuck said the volcanoes in Auckland were dormant?

[Naki Rat]

Who the fuck said the volcanoes in Auckland were dormant?

According to Auckland Council (http://www.aucklandcouncil.govt.nz/EN/environmentwaste/naturalhazardsemergencies/hazards/Pages/volcanichazards.aspx) "It is expected that these volcanoes won’t erupt again and any future eruptions will occur in new, unknown locations".

From GeoNet (http://info.geonet.org.nz/display/volc/Auckland+Volcanic+Field) I understand that the volcanoes may or may not be dormant but the lava pocket 100km below is still "young and active" :eek5:

[Akzle]

Some say the end is near.

Some say we'll see armageddon soon.
I certainly hope we will.

I sure could use a vacation from this
bull
shit
three
ring
circus sideshow

...The only way to fix it is to flush it all away. Any fucking time. Any fucking day.
Learn to swim, I'll see you down in Arizona bay.

Some say a comet will fall from the sky.
Followed by meteor showers and tidal waves.
Followed by faultlines that cannot sit still.
Followed by millions of dumbfounded dipshits.

Some say the end is near. Some say we'll see armageddon soon.
I certainly hope we will cuz I sure could use a vacation from this Silly shit, stupid shit...

One great big festering neon distraction, I've a suggestion to keep you all occupied. Learn to swim.

Fuck L Ron Hubbard and Fuck all his clones.
Fuck all those gun-toting Hip gangster wannabes.
Fuck retro anything.
Fuck your tattoos.
Fuck all you junkies and
Fuck your short memory. Learn to swim.
Fuck smiley glad-hands With hidden agendas.
Fuck these dysfunctional, Insecure actresses.
Learn to swim.
Cuz I'm praying for rain and I'm praying for tidal waves
I wanna see the ground give way.
I wanna watch it all go down.
Mom please flush it all away.
I wanna watch it go right in and down.
I wanna watch it go right in.

Time to bring it down again. Don't just call me pessimist.

Try and read between the lines!
I can't imagine why you wouldn't Welcome any change, my friend.