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ALL INSURANCE IS A DAMN SCAM

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.
BB

  
  Member Comments About This Blog Post:

JECKLEENTAILOR 8/1/2013 12:14AM

  I agree with you, all the insurance services are very useful but I have doubt about health insurance .So can you gives me more tips about health insurance because i need that information.

http://www.kevi
nhobbs.com.au/trauma-crisis.php

Comment edited on: 8/3/2013 5:23:57 AM

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RAINBOWFALLS 7/6/2011 8:50AM

    I understand where you are coming from. Don't start me on taxes either - I live in one of the highest taxed states.

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1BEACHWALKER 7/6/2011 1:07AM

    ITA! I saw the title of your blog on the huddle feed and it interested me! Do not get me started or I will have a blog right here on your comment area! emoticon Especially the medical insurance! If you ever have a medical emergency like we did last year-be prepared to spend thousands out of your pocket just to cover deductibles, co pays, Dr's who aren't on the preferred list (like you have a choice in an emergency), stupidly high hospital costs and Dr's who charge crazy high prices! Still makes my blood boil! And will they work with you to pay it - No! Save your money or you can go into the poorhouse really quick! Believe me! emoticon

Comment edited on: 7/6/2011 1:07:55 AM

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MIPALADY23 7/5/2011 8:50PM

    Completely agree! Utter rip off!

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TYME2BME 7/5/2011 8:18PM

    I couldn't agree more. Well said and so true. I wish I had all the money back I paid for all the insurances and never used it. Great post.

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A SHOE IN - NO A SADLY 'SHOE OUT'

Thursday, June 30, 2011

Good Day and HAPPY HOLIDAY WEEKEND TO ALL OF US - CANADIANS AND AMERICANS - - well as i am packing to move to the new 'little villa' - i am trying to be really practical- but (all ladies can relate i think) I AM ATTACHED TO MY SHOES. i remember my mom taking me for my first pair of 'cubans' or kitten heels way back when. i was 16 -they were black patent with criss cross straps - and i loved them from first glance.
Here's the thing - in my real life at this time - i rarely wear my 'heels' anymore. it is a combination of not much going on with my social scene (i hope that changes), not working (i hope that changes VERY SOON), the extra pounds make it hard to be dainty in heels (TRYING TRYING TRYING to change that , and my damned RA and FIBRO - when they flare up- it is PAIN CITY and there is no way you are walking around - never mind in heels!!! now - i have told my kids - when mom goes to meet her maker - she wants to look gooood - not to be irreverent - but put me in my 4inchers ! LOL i mean it!!!
so what to do - every pair has a story - those snake skin look alikes from VEGAS - woo hoo that was a wonderful time - those beautiful royal blue suedes - hand made in ITALY - the red leather sandals from SPAIN - all the fun - and i remember how much i paid too! I KNOW what you are saying - like the lady on hoarders - keep the memories get rid of the 'stuff'.
But hang on now - you can actually 'decorate' with these little pieces of artisan handiwork! yes yes - i kid you not - there are little shoe pins on a lapel - so why not a pair of almost new brillliantly shiny black patent stillettos with steel heels - on a shelf - by the front door - WHAT A WEAPON should a burgular even 'think' about invading my space!
what about using them as 'directional' tools - like 'this way to the ladies room' --- and a pair of little ballerina wedgies? com' on work with me here!!!
i don't want to throw out my heels - help BB

  
  Member Comments About This Blog Post:

MELIVA 7/1/2011 9:21PM

    I know what you mean. I was never a shoe junkie until about five years ago. But it's not hoarding if you are keeping multiples of one type of thing, right? It's "collecting." Yeah, that's it!! There's always room for one more pair.

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MARITIMER3 6/30/2011 4:39PM

    Thanks for your best wishes for the holiday week-end. I'm in Canada, so we celebrate tomorrow. My husband's band will be playing in the park before the fireworks (he plays the bagpipes). Saturday we will go to my daughter's to celebrate our oldest grandson's 18th birthday.

I hope you have a great week-end, and that your packing goes well. I almost never wear heels any more, but your story about your first heels reminded me that my first heels were for my grade 9 graduation, and I couldn't wear them, because I'd had surgery for an ingrown toe-nail, and I had to wear a pair of ugly wedge sandals instead.
Gail emoticon

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RAINBOWFALLS 6/30/2011 4:13PM

    They actually do make a lot of decorations with heels (not real ones), but what the heck! I've seen wine bottle holders that look like heels.

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A DOGGY LAUGH RIOT

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

  
  Member Comments About This Blog Post:

MELIVA 7/1/2011 9:14PM

    Sounds like a wonderful time!

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MRE1956 6/27/2011 12:24PM

    I like pugs - they're sooooo cool!

Glad the day went so well for you!

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MARITIMER3 6/27/2011 11:12AM

    Sounds like a great time for a good cause.
Gail emoticon

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LADYNEST 6/27/2011 10:15AM

    Sounds like it was a super busy day!! I know that if my boy and I had been there I'd have had 60lbs of crashed out border collie in the back of my van! Pugs are awesome little dogs! Some friends of mine have two and they are quite the characters!

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NANAMOM652009 6/27/2011 9:32AM

    Thank you for sharing. I too love dogs especially collies.
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RAINBOWFALLS 6/27/2011 9:11AM

    emoticon

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SO GLAD TO BE HERE

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

  
  Member Comments About This Blog Post:

MELIVA 6/24/2011 11:03PM

    And we're glad that you're here!! How scary and I am so glad that you listened to those warning bells. Wow.

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RAINBOWFALLS 6/22/2011 7:50AM

    I think your strong faith and prayer worked for you - thankfully. I'm glad you are alright. emoticon

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MARITIMER3 6/21/2011 6:57PM

    I'm so glad that you are okay. Take it slowly fo a while.
Gail emoticon

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NINJA_SMOO 6/21/2011 10:29AM

  Scary day! So glad you dodged that bullet. Take care of yourself :)

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KESHA1975 6/21/2011 10:16AM

    We are glad you are here too! Always listen to your body. It makes every effort to warn you when something is not right! Take care friend. ((HUGS))

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ALWAYS DADDY

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

  
  Member Comments About This Blog Post:

RAINBOWFALLS 6/16/2011 7:37AM

    Very nice memories. My father died when I was six so I don't have many memories, but there are a couple special ones. I too will be missing my father this Sunday.

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JONICACALDWELL 6/15/2011 4:45PM

    emoticon Beautiful Sentiment.

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