Showing posts with label car insurance. Show all posts
Showing posts with label car insurance. Show all posts

Thursday, February 21, 2019

Day 3346

Rain keeps getting in the way. Dash was surprisingly strong this morning and wanted to walk. I've learned to be ready for these moments, so we put on Dash's boots and off we went. Unfortunately we didn't get far. The rain that was supposed to arrive in an hour arrived in less than five minutes. When we heard thunder, Dash wisely turned around and we headed for home.

Dash went to sleep after I dried him off and I returned to making the bed and fixing my breakfast. All it took was a quick look out the kitchen window to know that it was going to be another long, wet Winter day. While I was finishing breakfast I listened the the press conference with the Chicago police department where the head of detectives laid out a detailed time line showing how they determined that  Jussie Smollett staged the hate crime attack on himself. What was Smollett thinking? He paid the Nigerian brothers with a personal check. Surveillance cameras showed the brothers purchasing all the items used in the fake attack. The brothers confessed to being accomplices in the stunt. There were even phone records confirming that Smollett talked extensively with the brothers both before and after the staged attack. This guy calls himself an actor, be he clearly hadn't watched enough episodes of Columbo. In the end the detectives usually get their man.

Almost every day I think our divided country has reached a new low. Then I turn on the TV and realize that we can still go a lot lower. Although this fake hate crime opened a dismal new chapter in this ongoing story, I still have a small amount of hope for the country. Down in Florida, Space X launched a used Falcon 9 rocket for the third time carrying three different satellites from three different countries. One of them was headed for the moon. I hope the little Israeli lunar lander makes it. I'd much rather hear a success story about Jews on the Moon than a sad story about anti-Semitism.

Dash eventually did get a walk today. It was cold and damp, but at least it wasn't raining. I think these walks are important. They keep Dash motivated. Around the house, he stumbles a lot and gets depressed. The park is filled with animal smells and Dash has a reason to keep going. Walking helps keep his muscles from atrophying. The walks probably help me as well. I'd never get close to my 10,000 steps a day goal without them.

I paid a bunch of February bills this afternoon and took them to the post office. How can an uneventful life be so expensive? The big bill this month was car insurance. Maybe I should let the insurance company put that little tracker in my car after all. They say it could lower my rates by 20%. Why am I suspicious? I have a feeling that it could also raise my rates.

The week's trash has been taken to the curb. This evening's Space X launch was flawless. Dash got his walk today and finished eating all his meals. The roof still isn't leaking. Hey, measured by these low standards, I guess that today was a success.

Lizzy is today's Dalmatian of the Day
Watch of the Day

Thursday, January 31, 2019

Day 3325

I think we're well on our way to becoming a surveillance society. Companies know so much about us already, but they still want to know more. I called my insurance agent today to ask about a low mileage discount. I hardly drive at all anymore, so I thought if these things exist, maybe I could lower my bill. The reason I wanted to lower my bill was that I'd just received it and of course, it was higher than it was before. "Sure, we can lower your bill," the agent told me. "Let me send you a small tracker you can install in your car and then all you have to do is download our Safe Driver app on your phone." "How big a discount will I get," I asked. "We can't tell you right away," the agent said. "After we've been able to analyze your driving habits for about six months, we'll revise your premium." "So what you're telling me is that my premium could actually go up after six months," I said. The agent was silent.

My insurance company is becoming just like the phone company, the cable company, Facebook, and everybody else. These companies want to learn your habits, get all your data, and then sell it to third parties who will bombard you with targeted advertising and telemarketing calls. I would have preferred to give the agent two service reports from the Land Rover dealer spaced one year apart that would validate the actual mileage I drove in a year. Apparently, that wasn't an option.

I guess I'm on the wrong side of history. After dealing with the insurance agent, I called another company who wanted me to start paying them electronically. I didn't want to do this. After a long conversation where I explained to them that it was still perfectly legal to pay with a check, they finally relented and let me keep things as the are. I'm sure in about six months I'll get another letter saying that as a "courtesy" my account has been converted to electronic payments.

I've definitely reached the "get off my lawn" stage of life. These companies are just going to have to deal with me for another twenty years. I still like paper. I write letters. I save receipts. And I see no point in talking with Siri or Alexa. As far as I'm concerned the world was a better place when phones were dumb and people were smart. In case you've forgotten, we went to the moon fifty years ago. Have we really advanced that much since then? I don't really thing having my insurance company tracking my trips to the post office and the pharmacy is going to make the world a better place.

Doesn't it seem odd that our society has become obsessed with efficiency and yet nothing actually works. Maybe we should all slow down for a while. We might discover that inefficiency is actually better. Personally, I have lost all interest in speed. Whenever I see someone in a hurry it reminds me of the treadmill at the gym. Sure, you're moving but you're not actually going anywhere.

Today, I made the bed, walked Dash, cleaned up poop several times, fixed a dog boot, did a load of laundry, and took the trash out to the curb. I probably accomplished just as much as all the self-important movers and shakers I saw on TV while I was drinking my morning smoothie.

Cooper is today's Dalmatian of the Day
Watch of the Day

Wednesday, August 3, 2016

Day 2424

I watered the lawn this morning and two hours later it was bone dry again. I guess I should be glad that we're having a dry spell, since it will ensure that the roof repairs will cure properly. The yard is definitely taking a beating though. We don't have an automatic sprinkler system, so my watering efforts depend on remembering to turn the sprinklers on early enough to avoid the water restriction rules. It's probably all a wasted effort anyway, since I'm starting to see Armadillos again. Every August the Armadillos return to tear up the neighborhood lawns. I think they're looking for grubs, but maybe they're vegetarians. At any rate, I've seen several large Armadillos roaming around the neighborhood on our morning walks. They haven't found our yard yet, but they will.

I got the bills for my car insurance and storage warehouse rental fee today. Both had gone up. In theory, what I pay for car insurance should go down, since my car keeps getting older. That's not the way it works though. The bill always goes up. The storage warehouse is the same way. I pay more for my storage space now than I did for my first apartment. Health insurance rates go up every year. My gas and electric bills are twice what they were when I first moved to the neighborhood. I can't think of a single recurring bill that has gone down over time. No wonder people are mad. When you combine rising costs with stagnating income, it's not a good situation.

I've seen this new store in the neighborhood that advertises "plant based meals to go," Curiosity finally got the better of me and I went inside today to see what was going on. The place features a variety of pre-prepared vegan meals that you just heat and serve when you get home. Maybe this is the missing link in my healthy lifestyle plan. I don't like to cook, but I'd definitely like to eat healthier. There were lots of interesting curries and Thai dishes to choose from, as well as salads, soups, and sandwiches. I think I'll give this place a try. I'm not a huge fan of steamed vegetables, but a spicy vegetarian curry can be delicious. The meals aren't too expensive either.

Facebook has started including "memories" posts in my timeline with entries from this day in a previous year. They always ask if I would like to share the memory, but I never do. What I did one year ago is so similar to what I'm doing today that it would be confusing. I prefer a linear timeline with one entry per day, always moving forward. I do read these old posts though. It's hard to believe that Dot has been incontinent and pooping in the house for over a year. It's been well over two years since she initially had her cancer surgery. What a long journey it's been. I've probably cleaned up my own weight in dog poop during the past year.

I have no idea what I'm going to do tomorrow. I've more or less stopped planning ahead. Maybe there will be websites to update. Maybe I'll discover a new flower to photograph. I'll watch TV news during breakfast and wonder how the world became so crazy. I'll try to make sure Dot poops outside, but I'll probably fail. Tomorrow will be a lot like today, which apparently was very similar to what happened one year ago today.

Puppies are today's Dalmatians of the Day
Watch of the Day

Wednesday, February 10, 2016

Day 2248

I couldn't figure out why I've been getting more telemarketing calls lately and then I discovered that Facebook had added a "Call Now" button to my company page. They didn't ask me if I wanted this button. They just added it. This is typical of Facebook. They add, subtract, and change things routinely without any warning. Needless to say, I didn't want a "Call Now" button on my Facebook page. I get enough junk calls as it is. I deleted the button and hopefully things will go back to normal.

It's time to renew my car insurance again. Why do insurance rates always go up? They never seem to go down. I now pay more to insure one car than I used to pay when I insured two. Homeowners insurance, health insurance, liability insurance; it's all the same. Rates go up, but when you read the fine print, you discover that your coverage has actually decreased. There's not much you can do unfortunately. I paid my bill and resigned myself to another month of frugality and living within my means.

At least I had a few good years back when the world was sane. I'd hate to be young and entering the workforce right now. For the most part, young people are fucked. Salaries have declined. Job security is non-existent. And virtually everything has gotten more expensive. I think I only paid about $1,500 per semester for college and I got a very good education. I had no student loans and graduated with no debt. I had a part-time job in the college library that paid for most of my expenses. This would be impossible these days. No wonder college kids are overwhelmingly for Bernie Sanders. High taxes mean nothing if you've got no money to begin with. If I were young, I'd definitely be feeling the Bern.

When I was fixing dinner tonight, I noticed that the steamed vegetables I was going to warm up for dinner had a bad smell to them. I threw them away. I only bought these vegetables on Sunday, so they shouldn't have gone bad already. This happens frequently now. Janet and I don't cook much anymore, so I buy a lot of food at the chef prepared counter at Central Market. Everything tastes great if you eat it right away, but it doesn't last long. I'm beginning to think that Central Market uses this deli counter to get rid of food in the store that is nearing it's expiration date. Nothing in the chef prepared section seems to last longer than three days, and if you pick up something that was made using milk or dairy products, you'd better eat it right away. I still don't like to cook. I wish I could find fresh, tasty food that lasted all week and didn't require much preparation. My breakfast smoothies are perfect. Eggs easily last a week. Bananas and fresh fruit last quite a while, if you make sure they're not too ripe when you buy them. Ice cream lasts forever in the freezer. Ditto for oatmeal. Dump these ingredients in the Vitamix and thirty second later you've got a delicious meal. Dinners are more problematic. I like to eat something solid for dinner.

I need to remember that Dot's physical therapy appointment is earlier than usual tomorrow. It's hard enough staying on schedule at her regular time. I'm going to have to get up early. Wait. I get up early every day. I'm going to have to do something else.

Landry is today's Dalmatian of the Day
Watch of the Day

Friday, January 29, 2016

Day 2236

When I was having breakfast this morning, I noticed at least five different men having breakfast with their kids. This got me thinking that I almost always see more men having breakfast with their kids than women having breakfast with their kids at this restaurant. I don't think social roles have changed that much. It's more likely that the men are just unemployed. The women tend to come in earlier. They are dressed nicer, often in a hurry, and typically just order coffee and a muffin to go. The men linger. I could be wrong. Maybe these men aren't unemployed. They could all just be web designers like me.

It appears that something has changed on my auto insurance policy and that I'm not covered anymore when I drive someone else's car. When I called my agent to find out what is going on, he said not to worry, explaining that just the language in the policy had changed. When I read him the paragraph in question, he paused for a minute and told me that maybe I didn't have coverage after all. He said he'd research the situation and get back to me. This is the modern world. Nobody has a clue what is going on. Someone makes a decision somewhere, but by the time it filters down to the people who are supposed to implement it on a local level, it gets lost in translation. Corporate bureaucracies. Government bureaucracies. They are all the same. Confusing car insurance policies are just the tip of the iceberg. Health care is where it really starts to get messy.

Everyone, including me, is perplexed by the road repairs currently going on in the neighborhood. The old road was full of potholes and needed to be replaced, but instead of just putting in a new road, the construction crews are cutting out damaged sections of the old road with jackhammers and concrete saws and pouring small little sections of concrete all over the place. The road looks like a patchwork quilt. This must be the preferred method of road repair these days because I've seen this technique used all over the city. It is very labor intensive, disrupts traffic for weeks at a time, and looks like shit when the work is finally finished. I keep thinking that it would be easier, and perhaps even less expensive, to start over and just put in an entirely new road.

The road repairs didn't deter the garbage truck this morning and my trash got picked up again. This was great, but it makes the odd Wednesday trash pickup even more of a mystery. I didn't actually see a garbage truck on Wednesday. Maybe someone just stole my trash. Nah. That would be too weird. If somebody actually did steal Wednesday's trash, all they got was a bunch of dog poop.

The very last Land Rover Defender rolled off the assembly line in Solihull, England today. After 67 years, there will be no more. In an unrelated note, Paul Kantner, one of the founding members of Jefferson Airplane died today, continuing the demise of rock icons that defined my youth. We are approaching the end of an era. Most of the original Mercury and Apollo astronauts have already died. All my college professors have died. It's frightening now many rock legends have died this month alone. I find it interesting that the first Land Rover Defender was assembled at the Solihull factory in 1948, the same year I was born. Nothing lasts forever I guess. I'm going to look on the bright side though. As long as Keith Richards is still around, I think I'm fine. When the Stones go, I'm going to start to worry.

Spirit is today's Dalmatian of the Day
Watch of the Day

Tuesday, March 3, 2015

Day 1904

It was an unrelenting grey day. At times the rain pounded down on the roof. At other times there was just a light drizzle. We didn't get the predicted thunderstorms, but it certainly was a rainy day. I'm supposed to take Dot out four times a day using the harness for some light physical therapy. The goal is to keep Dot's legs moving to slow down muscle atrophy. Since the weather was so nasty, I walked her up and down the hall instead. To keep her moving, I'd keeping a couple of small dog treats in my pocket and throw them down the hallway when she became bored with our exercises. This reminded me of a time long ago when I used a fishing pole with a dog treat attached to the line to keep another old and lame Dalmatian motivated. When you're standing behind the dog, holding up their rear legs with a harness, it can be challenging to get them to move forward at times. Food often works when nothing else will. When a Dalmatian loses interest in food, that's when you've really got to worry.

The house looks like a designer's nightmare now. We've got an assortment of carpet runners, small rugs, and rubber mats connecting all the rooms to provide a non-slip surface for Dot to walk on. She still requires assistance to walk, but it helps if her rear legs aren't sliding all over the place on the slippery bricks. There is also a dog crate in the bedroom now, where Dot sleeps. I didn't initially think we could get Dot to use the crate, but once again we lured her inside using a dog treat. Having a large crate with two doors made it much easier to get her situated for the night. Once inside, Dot actually liked the soft dog bed we bought and slept soundly for the rest of the night. I didn't sleep so soundly, because I'm used to hearing her breathing next to me, but I'll get used to this. When Dot adjusts to being crated, she'll be much safer when we have to leave the house.

Work was slow today, but as always there were things to do. I got my own insurance company involved in an attempt to unravel the confusion surrounding the accident claim with the rental car company. As a result, I had to send a new batch of documents to a new batch of people. It took a while, but hopefully this will allow me to put this entire mess behind me. I don't care whether it's health insurance, business insurance, car insurance, or homeowners insurance, it's never pleasant dealing with insurance problems.

Dash seems to have overcome some of his fear of rain. Out of necessity, we've been walking in the rain for several days now and he's been acting like everything is completely normal. We get wet, but it's no big deal. Maybe Dash has got cabin fever too. When you're confined to the house for too long, even a walk in the rain can be a treat.

I'm trying to think ahead and take care of a lot of out-of-the-house errands before Janet returns to work. I've already picked up several things I know I'll need soon and I've scheduled a haircut for later in the week. Luckily, Dot has not become incontinent like she did after her last surgery. That will make life a little easier in the days ahead. If I have to crate Dot when it is necessary for me to leave the house, I definitely don't want her to be forced to sit in wet bedding. As her pain meds gradually decrease, I want to make sure she's not in pain either. Dot seems comfortable now. I'm pretty comfortable too, because she's always right beside me. This Spring will be a learning experience for both of us as we develop a rehabilitation routine and slowly inch our way back to normal.

Maggie is today's Dalmatian of the Day
Watch of the Day

Tuesday, June 3, 2014

Day 1631

I spent the day getting unsatisfactory answers to some very reasonable questions. How long has it been since you called someone and found a real person on the line who could actually answer your question? It's a pretty safe bet that the larger the organization, the longer you're going to wait. I will only call a government agency when I have plenty of time on my hands. I just put the phone on speaker and continue working on the computer until someone finally answers. Often the wait time is up to an hour. Today I only had to wait thirty five minutes. There were other calls as well. I was perplexed when I got another bill today for auto insurance that I'd already paid for less than a month ago. I sold a car recently, so I thought it was reasonable that I should be getting some money back. Nope! When I called my agent, he told me that I lost my multi-car discount when I sold the second car, so my rate had actually increased. Go figure. You really can't win these days.

I like repairing things, so I was delighted to pick up my favorite winter jacket from the tailor this afternoon and discover that it was good as new again. Earlier this Winter, the neighbor's dog had ripped the arm of the jacket when it tried to bite me. This is a very weird dog. It likes Janet, but always tries to bite me when I am unlucky enough to encounter it without a leash in the back alley. It should never be off a leash, but occasionally it gets loose. The dog is well trained and if I am quick enough to say "sit" or "stay" before it bites me, it always obeys. Sometimes I'm not quick enough though. To their credit, the neighbors offered to pay for the jacket, but I told them to forget about it and just try to keep the dog inside their fence when I walk Dot and Dash down the alley.

I paid a bunch of bills today and it got me wondering about what I was going to cut back on when I finally did retire. A social security check isn't even going to begin to pay these bills. I'm not sure what I could live without either. On some days, I could toss it all. Other days, I feel like hanging on to everything. I used to think that my IRA account would take care of me pretty well, but that was before the big financial meltdown of 2008. One more big crash like this and all bets are off. I'm pretty frugal, but I'm terrible at predicting the future. Even though I'm a very pessimistic person, I always think the future is going to be better than it actually turns out to be.

If the weather is nice tomorrow, we'll go back to dog training class again. I've moved Dot's acupuncture and water therapy session from Wednesday to Thursday, so the underwater treadmill workout won't make her too tired for class. She was pretty slow when we took her back to class a few weeks ago, but I think she still enjoys going. Dot and Dash are still active and energetic on their early morning walks, but go to sleep again as soon as they return home. I worry that I may have overworked them until I get out their dinner bowls. As soon as they hear food related noises, they both instantly spring to life again.

Maybe I'll go to the gym tomorrow. If today was any indication, there certainly isn't much reason to sit at this computer all day.

Freckles is today's Dalmatian of the Day
Watch of the Day

Saturday, September 28, 2013

Day 1383

I knew we were inviting trouble when we took the dogs for a bath this morning. There was rain in the forecast. A few hours after we took the clean dogs home, the downpour started. The dogs got dirty. The new car got dirty. And there is probably 800 pounds of water sitting up on the roof again. At least the roof doesn't leak anymore. That certainly makes life easier.

I doubt that the rain wouldn't even matter anymore if the dogs didn't panic at the sound of thunder. The storm got so bad this afternoon after I returned from grocery shopping that I was forced to get under a blanket with the two dogs and wait the weather out. This seems to be the only thing that works during stormy weather. Under the blanket, Dot and Dash almost immediately stop shaking and shivering. I actually welcomed a nap with the dogs today, since the only other things on my agenda involved work.

The rain eventually quit. Dot and Dash got their evening walk. I got some writing finished that I'd been meaning to do earlier. After cleaning the dogs up again, putting clean sheets on the bed, putting the groceries away, and hosing the road mud off the car, it was time for dinner.

The golf tournament is still on for tomorrow. Hopefully we will wake up to clear skies and cool breezes in the morning. You can't tell what will be happening from listening to the weather reports. Some stations say the rain will linger, while others predict cleaning skies and nice weather. We're certainly hoping for the latter.

It looks like I'm going to be paying more for gas and car insurance in the future. I got an amended bill from my insurance agent today and it seemed to take a lot more gas to fill my tank when I was running errands this afternoon. None of this came as a surprise. It was expecting the damage to be worse. Actually, there was nothing surprising about the entire day. It was just a regular rainy day with two dogs.

Spanky is today's Dalmatian of the Day
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