Innovation is saying no to 1,000 things.”Steve JobsDo you know how many opportunities you have every day; how many choices?

You can choose not to participate and they will cancel the policy.Because of the extreme rarity of standard property insurers in FL, which causes high costs, many insurers are trying innovation to lower costs and be more competitive.  

Always looking for more information and ways to innovate.

@Marisa Rowe, at risk of triggering a political discussion, the US may be the wealthiest nation in the world and drive technological innovation, etc., but there's also a high degree of income inequality and poor economic mobility; hence the poverty, crime, drugs, etc., and "war zones" where these things occur.

In this age of communication innovation another visage point is the question that guides economics: profitability vs. need.I was once a big social-media buff but reconsidered (though it's still a great way to connect with those separated by spatial-temporal barriers).Personal socialization is inherently different than any business enterprise because enterprise is led by a measurable outcome.Lastly, many are running the error of not adding the labor/capital spent developing this new business "arm" into their overall question of profitability.

People were motivated to work hard and innovate so that they could make money and better themselves.

Here is an example of what we were able to do with a local lender in PHX: -- Bought six condo's at a total all-in cost of ~$500k in Nov. 2012 -- Refinanced with a blanket portfolio loan in Dec. 2012 using 70% of the appraised value ($600k) --5% fixed rate for 10 years, 15 year amortization, closing costs rolled into the loan Though we were happy with the ability to lump all the properties into 1 mortgage and the rate; the 15 amoritization really hurts the cashflow...but I feel this is common with local banks that hold the paper.

As they penetrate the market, innovations like the traffic control station used in the above example will be installed.

Nobel Prize-winning physicist William Shockley practically invented Silicon Valley, turning California into the technological hotbed of innovation it is today.

There's an investor club meetup (or at least there was one) @ The Innovation Center, but I called Jason, the facilitator, recently and I'm waiting to hear back from him.