Tuesday, July 05, 2011
We the people have to do something about the sad sad state of affairs when it comes to the myriad of insurances we pay for - most of it FORCED upon us. I understand motor vehicle insurance as it is protection for yourself and any other person which may find themselves in the unfortunate position of being involved in an accident. But most people are terrified to put any kind of claim in because they will either be dropped from the insurance company altogether or their premiums will become prohibitively expensive. This happens even if you have been fault free, accident free, never claimed anything for years and years. This is unacceptable.
But TERM INSURANCE is a scam. Lot of young families have it on the wage earner in case of disability/death. But after the 'term' is up and you have paid the premium for however many years the 'term' was - the premium is either doubled or tripled.-
HEALTH INSURANCE is a joke - if you have ever had any wrong you are screwed, they won't cover it - and if you are traveling God help you - the cost is unbelievable. STAY HOME.
Also HOME INSURANCE is a scam - let 's face it A MAJOR SCAM. After having home insurance average $1,000 per year, never having a claim for 30 years (mmmm let's see that is $30.0000. for nothing) we had to fight to have a 'modest contribution' made to having our roof replaced after a very bad summer storm. total cost for the roof was $6,000. and we paid $4000. of it!!!!
It is your mortgage company that insists you have insurance - so if you must have it just cover for that amount.
When the companies keep trying to pressure you into millions of dollars for liabability contingencies say NO. it is all gravy for them and nothing but money out of your pocket.
When we had a home in Florida every time there was a storm the insurance would drop us like a hot potato. All i had to do , because i had a mortgage, was call the mortgagee and let them go crazy shopping for coverage - they wanted it. in most cases they have EXCLUSIONS TONS AND TONS OF EXCLUSIONS. storms, floods, tornadoes - all ACTS OF GOD and therefore not covered - they know how to collect collect - and up the premiums every year because the cost of replacement WILL BE HIGHER - but look out for those exclusions.
Now they charge you to cancel - they also take two extra months in premiums to assure themselves payment if you drop off the face of the eatth.
If you change anything - name, renos etc - all of a sudden YOU ARE A NEW pollicy with a NEW HIGHER PREMIUM - and there is added charges to make the changes even if it is a divorce and you want a name removed.!!
I have to say - my 'little villa' has a real wood burning fire place - i was told insurance will send an inspector. That's cool - but if it comes down to we won't insure you unless you do this or that - my reply is that's fine and let the mortgagee take it up with them as they are the ones who want the insurance.
As for me i can live very comfortably with out this idiocy - these pick pockets-
IT IS A SCAM all the way - i wish i had all my money back - live and learn.
Monday, June 27, 2011
The furry kids had a fantastic Sunday yesterday - and I tagged along to have an absolute ball!! it was a fundraiser, an opportunity for adoptions, an honor to have all these little souls interact with each other. There was every shape, color, age, character, and most of all LOVE - that you can imagine.
I have never seen so many varieties of breeds - i got to see a miniature pincer - he was so perfect and an exact replica of the bigger guys.
A beautiful german sheppard named DOJO who gave the most amazing demonstration of a security/guard dog - in the arena he was amazing - so intelligent, proud and STRONG!
Then we had the what i like to call The Movers and the Shakers - Chico and Wallabee - little chauhauhas - 3 - 5 pounds -
all kinds of poms - incuding my Gracie - and now i see how they are a BIG dog in a little body - they like to rule their roost - and the bigs guys just better stand back!
My PUGA LUG CHARITY was there with several pugs looking for a forever home. i met a few of the little lucky beauties that have been adopted and we have to date now placed approximately 226 PUGS since we began. there were a few pug mixes as well.
our friends came with their chinese crested called PANDA. What a sweetie, and very friendly and social.
A sweet little dachund, paralyzed from the hips down- but WOW can he travel on his little scooter - his master so proud - funny how animals are just so pure and matter of fact. what handicap??? are you kidding me!
Lots of vendors giving out free bees - fun fun fun.
and for so many dogs and people coming together for the first time - everyone behaved brilliantly.
Also, a very very interesting holistic vet - and like the discussion of children having unnecessary meds, innoculations and such, he spoke of how over medicated our pets can be - he cautioned about 'the normal main stream care' that is practiced. for instance, why give your dog 'flea and tick meds ' if they are healthy, are not living in the areas where it would be likely they would have a problem, and you can always give them a course of meds should you see they have been bitten with a tick or have a flea. heart worm comes after a long neglect, not attending to the animal or noticing they are in distress. from what i can see of the pet owners i know, they are like me and look after their friends very very well.
All in all - it was a lovely day - the rain held off, they had a cooling tent with a lovely little cool spray - both animals and their humans liked that. this is the stuff that 'enjoyable life ' is all about.
soon as we headed home - i heard a soft little snore and light little moan - two zonked out dead to the world sleeping little pug beauties. Amen. BB
Tuesday, June 21, 2011
Hi Friends - today is the first day of summer and the sky is a glorious blue. there is a soft warm breeze - and i am so glad to be enjoying it.
Yesterday was harrowing - but always there are lessons to be learned and appreciated. I have had brushes with weird things happening to me ever since my thyroid went haywire. even my driving anxiety - which to some extent still exists. so yesterday - my daughter had a arranged a day at the salon for us both - my mom's day present! a mani and pedi and i was looking forward to it. but i felt strange. i thought 'you are just regressing - into that old 'driving on the highway' trepidation- 'STOP IT YOU ARE BEING SILLY'. so i packed myself some cold OJ, water and a protein shake. put the doggies into there little cubbies and off i started.
it wasn't even ten minutes up the road - 'oh my, i don't feel so well ' come on you can do this'.
i pressed on for another 20 minutes and had to pull over. a prayer to God - 'please be with me - help me do this - it is silly - with your help i will do it!'
i finally reached the highway and still had about an hour to town. it was absolutely jaw gripping, hands glued to the steerwell white knuckling all the way and praying every prayer i have ever been taught - while slowly staying in the collectors - with the hazards on.
i got to the mall - and practically kissed the ground. i was a few minutes late for my appointment and apologized to the ladies waiting. my daughter had not yet arrived.
my regular girl Tina said to me ' how are you doing?' i said 'not that great today' and she said - 'may i say your eyes really look terrible.' i went to the mirror and OMG - they were red - like a rabbit in a lab! and i had the most excruciating headache. but i thought, well tension after that ride.
my daughter arrived and remarked 'mom you look tired, your eyes are weird and your eyelid is funny!'.
ok so some warning bells went off but i thought - i will relax - i will listen to the soothing music, joke with the girls and enjoy time with my daughter. i will be fine. i always am !.
after the salon, my daughter was leaving and said to me - mom maybe you should come to my place. i said - don't be silly - have to get home. we kissed and hugged and off she went.
i got into my car, i started back home - five minutes later i turned back . i parked , gathered my thoughts , took stock of myself and realized this is not just silly anxiety. the warning bells were too loud.
i went to my G.P. who located there. i have no idea how i got there - i just remember praying loudly - help me Lord. just one more time.
my GP took one look at me, immediately took my BP - 172/90 - not good. she gave me meds and made me lie down - one hour later - BP 180/99.
to the emergency - now this whole time i am worried about my little furry kids.
but no i cannot worry- not good for the BP right?
by the time i got to emergency i was at 198/99-- in the vicinity of STROKE CITY and the left side of my face was feeling very strange . after blood work and CATscan which showed nothing - and five hours later - i was at 170/90. still not good, and now i cannot druve the car.
i called my son - and finally got home.
this morning i have a whopping headache, my neck feels like it is in a brace. i am now on stronger meds for BP .
i guess the lesson is to trust in those warning bells. stress is the biggest culprit, so take time to chill out and smell the coffee -which by the way i drink decalf - and have faith in yourself and your higher power.
i am just SO GLAD TO BE HERE. thanks - hugs - BB
Wednesday, June 15, 2011
This sunday is Father's Day - my Dad left this earth in May 1975. Wow, it just seems like yesterday - a knock on the door, a little whistle and my children running to the door 'HI GRANDPA' - can we watch hockey tonight? it is the stanley cup playoffs. hockey is a particular poignant reminder of time with my Daddy. i was an only child - and not a boy - but my Dad always made me feel like the most special precious kid in the world. back in the day - it was the original six. well, Dad this year BOSTON is in the run - it has been a long time for them . the Vancouver Canucks did not exist but they are a good (new) team and they have provided a real competition.
I know if you were here you would be figuring the 'odds' , we would be talking about the players, snacking on popcorn and REAL ORIGINAL COKE (remember the little bottles?) - your favorite hockey viewing snacks.
I miss crusing to the dairy queen with you - our time together on a sunday afternoon , while dear mom gave the house a 'good cleaning ' as she said.
Sunday we always went to your mom's house - my Grandma - she always had coffee and cake.
But most of all i miss YOU - you were a math wiz, you always dressed well and took me to lunch at the racetrack. there is another time i think of you so much - when they run the triple crown races - we had so much fun. you took me to the QUEEN'S PLATE - it was so exciting.
yes, Daddy i remember you and think of you often. your grandchildren only had you for a short time - buy they talk about you often - and this Sunday, we will raise a toast to you, along with their own dad.
like so many of us, i have come to cherish all the 'old times' so much more and they are precious as the time goes on. HAPPY DADDY'S DAY BB
Get An Email Alert Each Time BROADBRUSH Posts