Archive for the ‘Cabin Insurance’ Category

Is it always evil to burn someone’s house down?

Cabin Insurance | Posted by admin
Feb 05 2010

Once upon a time, a man bought a Southern California house in 2001 on a sub-prime mortgage that he was barely able to qualify for. In case of a foreclosure, the guy kept all his valuables out of the house, all items he cared about he put in a separate storage facility where he worked.

In 2004, that house DOUBLED in value. The house went from 0,000 to 1.4 MILLION dollars but he couldn’t cash in on it till the house was sold.

A real jerk came along and BURNT his house down. He had a decent homeowners Insurance policy, and they gave him cash proceeds at nearly 1.2 Million Dollars because that same year his assessed premium went up. Nobody was injured, no valuables lost.

He then paid 100% of his outstanding mortgage debt and moved into tiny wooden cabin just for the fun of it. 4 years later, EVERYBODY’s home in his neighborhood was in foreclosure and the properties can’t even get sold for 0,000…..

The evil house burner saved this man HUNDREDS of THOUSANDS of DOLLARS, so much so that this guy is going to testify in favor of the guy who burnt down his house, in a criminal case.

Therefore, is it sometimes GOOD to burn down someone’s house?
and it gets even better than that. The guy who set fire to the house created JOBS for construction workers for a new potential buyer

Technorati Tags: , , , , , , , , , , , , , , , , ,

In the market for a new car….Thoughts? Maxima, CTS, Camry. G35?

Cabin Insurance | Posted by admin
Feb 02 2010

Well, im looking for a new car at the moment and have some one looking at car auctions in Detroit for me. Originally I was going to go for something more conventional a Camry, but with this recall Toyota is having who knows when i will be able to get one, and id rather not be driving around a vehicle that could potentially cause a crash. So I know my other choices are a whole nother league of cars lol…but I have 20,000 i want to spend….so my choices are a 2009 Nissan Maxima ( I had an 04 maxima and totaled it a little over a year ago) a 2008 Cadillac CTS (ive heard amazing things, but ive also heard repairs can be quite expensive and everything in the cabin of the car squeeks a lot? maybe im wrong) and a 2007 Infinti G35( I have also heard amazing things about this car)

So before I talk to other people what are your thoughts on these cars? Personal experiences? Repair costs? Gas Mileage? and I know this might be out of reach but can anyone give me some thoughts on the insurance costs for these cars? Im almost 21 and have 1 3 point ticket on my record which will be off when I turn 21. But I wont be paying for my own insurance until im 22. So if its possible give me some thought on that? Thanks a ton, I know its rather lengthy!

Technorati Tags: , , , , , , , , , , , , , , , , , , ,

Why should I be forced to carry health insurance if I do not want it?

Cabin Insurance | Posted by admin
Jan 22 2010

If I want to go live in a cabin in the woods and not worry about other people’s health coverage, isn’t that my right? Isn’t that freedom?

I knew a local farmer who had some sort of blood or skin infection. He chose not to go to the hospital against the wishes of his sister and others. He was in his barn one day and was fed up with something on his thumb related to his infection. I am not clear on all of the details but I do know that he placed his hand on a block of fire wood and cut his thumb off with a hatchet. He chose to die from this infection. Did he have the right to make this decision or should Big G have forced him to carry health insurance?

Technorati Tags: , , , , , , , , ,

Just Curious — Been pulled over, but why no ticket?

Cabin Insurance | Posted by admin
Jan 19 2010

This one’s for the people who actually carry a badge here.

(you can skip to the last couple paragraph, Thought details would help though)

So, a couple months ago, I’m driving home from work at 10:30ish at night, the road I’m on has a speed limit of 35, at a hill with a fairly good slop in it going down to a bridge, where there’s a another slope,a gentler one, going up into a 45.

Anyway, I’m one of those who usually drives between 3-5 over, and I like conserving gas…so I generally don’t break too much for hills if I feel the car is stable, I’m in a hilly area lots of ups an down, so speed gained is lost while going up the next one.

Anyone, this night, I pull the stunt doing forty-ish until I pass the known hiding places for cop, letting gravity do it’s work, gas it a little and use momentum to get up in to the 45 when I come to the middle of the bridge just before the next hill going up, and well, I see a darken car, Crown Vic lights sitting in a new spot ahead of me. I know I’m caught, only one on the road for about . Her head lights came on, I pulled over before she even got out of park and turn 180 to come up behind me, she didn’t even flick on the blue lights until she parked behind me.

I’ve watched a lot of Cops on Fox–I turn on hazards, off went the engines, (think i even took key out) pulled out the wallet and DL from my purse(which i always have slung around my torso) decided not to move for Registration and Insurance, because moving a lot gets cops a little paranoid(right?)

So, I roll down window and flicked on cabin light as she walked up, I realized she was a she and not a he, so out went the brief thought of light flirting(probably woulda wimped out, I’m a girl btw) went out that window I opened. I gave her DL when she was at the window.

As noted i just got off of work—was still in uniform–ask edme how fast i was going, I said something like "um…My speedometer’s a little screwy" while staring at the speedometor, deduct 3 mph from memorized glance and said "…47?"

"Do you know speed limit here?"

"Yes, 35, didn’t break on the hill to use the momentum to get up into the 45" Which is right in front of us, taunting me.

" I clocked you at 51" — D’oh! The one time my speedometer tells the truth.

I get or the Registration and Insurance, and of course I have all the cars past registrations, even from the prior owner so It took a good minute to thumb through them.

I was 4 mph from Reckless with only having my DL for a year, first offense….and I fully expected a ticket, female officer, (who always write you around here) officer….I’m screwed, right, not to mention I said the wrong speed and took forever going through all the registration looking for the new one.

Why didn’t she write me? Not that I’m complaining…but you know…I’m curious.
To the LE Student and the Retired Officer, thank you for your inputs, especially that of Leslie.

While the Officer did not lecture, she gave stern verbal warning saying if she catches me again, well, she warned me. Can’t blame her, it’s just weird cause, these cops around here are good people, but they write you for doing less when I did.

I’d give you Best Answer…but Yahoo isn’t giving me the option at this time.

Technorati Tags: , , , , , , , , , , , , , , , , , , ,

Does “Victory for Obama” spell the beginning of the end for thieving rich class Pharma, Insurance, and AMA?

Cabin Insurance | Posted by admin
Jan 13 2010

Rich class Pharma, Insurance, and AMA sucking working class blood for basement lap pools, Learjet garages, and yacht mahogany cabins…

http://news.yahoo.com/s/ap/us_health_care_overhaul

Wish you could see my smile.
Big, giant, blood-soaked leech legal industry next?

Technorati Tags: , , , , , , , , ,

What rights do I have if the cruise line cancels my cruise due to mechanical failure?

Cabin Insurance | Posted by admin
Dec 22 2009

In addition to refunding my fare paid and 1/2 off of that fare on a future cruise, I had to rebook the cruise immediately because we had a wedding planned on one of the island ports. The cruise was cancelled the day before we were scheduled to depart and we grabbed the last two cabins on another cruise line, which cost us double for cabins and another 0 plus for transportation just to get to and from another port. The travel insurance purchased covers nothing because it was the cruise line’s fault. Any advice on how to seek any reimbursements or any knowledge about what cruise lines might do in this case? Thanks!

Technorati Tags: , , , , ,

I know it may seem long but plz answer…a 12 year olds life is at stake.?

Cabin Insurance | Posted by admin
Dec 10 2009

My parents are in deep debt and im only 12 years old. I understand alot of people are in debt to but please help me with this. My grandma had a really bad stroke a few months back and she has 6 adult kids. My dad is always the one who knows the most about her insurance because my mom is sells Humana, so he is always the one who ends up paying alot of my grandparents’ expences. My dad is extremely depressed and has been talking about killing himself. All of this being put on to me is to much and I’ve always been a good girl and now I’m starting o think suisidal thoughts so my parents will get some money from the insurance company from my death and help them with their debts. Also, if it wasn’t that much to put on me, when my dad was a little baby, my grandparents built this cabin in Colorado with their bare hands, and now we are going to have to sell it. I grew up in that cabin and share some very special memories in it. I’m extremely worried and really need as much help as I can get. Please after you answer this, go and tell some of your friends on here that may be of help to answer it also. I need all the help I can get.I don’t want to kill myself, but I don’t want my dad to kill himself either.

Technorati Tags: , , , , , , , , , , , , , ,

$60,000 in credit card debt, $11 an hour, long story HELP!?

Cabin Insurance | Posted by admin
Dec 04 2009

Okay, long story short (I hope!) I mortgaged two rental properties until October of last year (2008) BOTH tenants moved out, SAME DAY (seriously) without me knowing. I had trouble paying bills after that and HAD to pay the remaining prop taxes in order to give these properties back to bank in the form of "in deed of lieu’s" in April 2009.

I used my credit cards for medical bills, prop taxes on rental homes, etc…. because I make .00 an hour and have NO medical insurance. It worked for awhile as I was doing just fine……Until the tenants moved out. After that, the 0 in credit card bills started coming in, the mortgage on my home is only 5, but when you make only an hour that is a lot. I have a car payment of 0 which I need to pay because my job requires 12,000 a year for travel. I do get mileage checks, but there is NO TAXES taken out of those checks, so they should NOT be taken into consideration for income as I do not have to claim that income on my yearly taxes.

I cannot afford my credit card bills and am already behind. I called ALL of them and some worked with me, other’s not so much. I will be embarrassed to have my wages garnished as I do work for a federally funded program and even though it only pays an hour, I have been there 15 years and know everyone pretty much.

What can I do? What can I expect? I already did the "credit counseling" thing….they said I already did my job in contacting all my creditors in making a deal. they could do no more than what i did, but some are still not budging.

I would like to pay the minimum due on the cards I can afford and not pay on the ones I can’t. Should I stop paying all of them?

AND BEFORE SOMEONE SAYS i SHOULDN’T HAVE GOT MYSELF IN THIS SITUATION IN THE FIRST PLACE…….I called ALL my creditors to TRY to work out a plan, so I did my part. I agree I owe on these cards! I cannot file Bankruptcy because my father purchased a cabin CASH for 8 grand in 2000. He decided to put it in MY name because eventually it will be mine. SO, when I knew I was getting into trouble, I transferred the cabin BACK to him April of 2009. I have to wait 2 years for that to clear.

I need help. Please let me know what i am to expect…..

Technorati Tags: , , , , , , , , , , , , , , , , ,

Liberals, how much of this do you really believe?

Cabin Insurance | Posted by admin
Oct 28 2009

That the GOP is owned and operated by health insurance companies and the military-industrial complex.
That "Faux News" is the propaganda machine of the GOP.
That millions of people are dying in the streets because they’re uninsured.
That millions more are getting their feet chopped and tonsils ripped out by greedy doctors.
That insurance companies should cover pre-existing conditions, even though it doesn’t work like that in virtually ANY other insurance type.
That suddenly, mankind is too weak and sensitive to survive without government assistance, even though a hundred years ago, when people didn’t have a home or food, they had the balls to go out and build a log cabin and shoot a deer, or just get a job.
Don’t you guys realize how rediculous you sound? Hahaha! And by the way, the part about doctors chopping people’s feet off and ripping out tonsils comes from a speech Obama made recently. Anyway, thanks to those who gave an honest answer instead of dismissing it as a right-wing rant (which maybe it was, but I would call it satire, only made better by some of the archeatypically liberal answers I recieved).

Technorati Tags: , , , , , , , , , , , , , , , , , , ,

Auto dealer wrecked my car during repair. What are my options?

Cabin Insurance | Posted by admin
Aug 08 2009

I took my 2002 Subaru WRX, which was otherwise in excellent condition (75K well-maintained California-driven miles), in for a repair to the heating system — it was leaking exhaust into the cabin. Somehow, during the repair, the tech dropped a washer into the fuel line and it got into one of the cylinders, scoring it and thereby destroying the engine.

The dealer gave me a loaner and replaced the engine at their cost with a junker that had 60K miles. Within half a day after getting the repaired car back, the check engine light came on. Then my battery went dead. I brought the car in and they found that the alternator hadn’t been tightened down during the engine replacement. They did a fix and then found that my brand-new battery had been drained. They did a partial recharge until I got frustrated and demanded to leave after waiting patiently for almost 6 hours with my 1.5 year old son, being told all the while to hold on, that it would be another 30 minutes.

On the drive back home, the check engine light came on again. I brought the car back in. They said I should have the spark plugs replaced, which I did at my expense: 5. After getting the car, the check engine light came on the next day.

I drove around for about a month with the check engine light fluctuating on and off every week or so. I wanted to see if I could make a more accurate diagnosis about what was going on. Also, I wanted to check the miles-per-gallon performance, and indeed, saw that it had deteriorated by almost 25%.

I brought the car back in. After 4 hours, again with my son (I’m the primary care giver), they said the computer indicated that a fuel injector was probably clogged and that they would replace it at their cost. But then they said that my gas was dirty and that they would have to flush the gas tank. They gave me a loaner. Four days later, with a clean tank and a new fuel filter, the car was ready. My expense: 3.55.

I did some grocery shopping and drove the car home. Along the way, the check engine light came on again. By that time, the dealership was closed. Over the weekend, my spouse took the car shopping with our son (the car seat is in my car and isn’t easy to swap in and out). I got a panicked call saying the car was billowing something that looked like steam. After limping home, it was obvious that the coolant system had sprung a leak. Exact location unknown, but it looks like at the connection point to the engine block, which would be consistent with them not connecting it securely after mounting the replacement engine.

All together, this has been going on for about 6 months. Between waiting at the dealer, trips back & forth to the dealer, and my spouse’s time, we’ve probably lost 15 hours of work time. I’m an independent consultant, so time = $ for me.

Even though I don’t live in California any more, the car has more than 90% of its miles in California. Other than some paint chips caused by road rocks, and a touch of rust on the exhaust caused by 1 season of salted roads, the car is very clean.

I’m thinking of demanding they purchase the car at retail Kelly blue-book value. What do you think I should do? Do I have any legal recourse? Do I get my insurance company involved? What leverage do I have over the dealership?

Thanks for reading this long account. I look forward to some interesting suggestions.
Dealer did issue a 1 year warranty on engine from date of install. Worst case, I would expect the warranty to be extended to the time from which the last repair relating to this incident was completed.

Technorati Tags: , , , , , , , , , , , , , , , , ,

How do I get my son to see what his friend have been telling him is ridiculous? ?

Cabin Insurance | Posted by admin
Aug 05 2009

My 22 years old son has only two semesters to go before he gets his bachelor degree. He’s still living with the family at the moment. He work part time at a coffee shop and want to be chemical engineer after he graduate. At coffee shop that he works at, he has a coworker/friend who is majoring in business. This guy is making me crazy.
He keep put all stupid idea in my friend’s mind. My son has been begging me to let him sell his car that we bought for him two years ago. He says if he sells the car, he’ll save 5 on gas and insurance. He even made a chart that shows he can save up to 0 a month if he sells the car. He says he want to sell his car for ,000 and buy a bike and save everything else. He says he want to finish college and get a job and save as much as possible for a year so he can buy a house instead of renting. He also says he is considering to not owning a car until he retire.
He also have been really bugging me about how I manage moneys. I bought a new television a couple months ago, my son keep telling me that I should haven’t bought new one since the old one was working fine. He tells me if I would have continued to save, I could have enough for a down payment for a new house and rent it out by end of year. He also is trying to talk me into not buying s motorhome that I’ve been saving up for a long time. He’s trying to tell me I can easily put down payment on two or even three houses or buy a business or stock and make profit out of it.
My son even made a scrap book with all stuff he wants such as are he want to travel to, his dream house, his dream boat for fishing, and other things. He say this motivate him to save even more. He want things such as owning a lake with couple cabins and hotels to rent out so he don’t have to work and can fish everyday or travel.
My son also is always talking about how people fall in keeping up with the Jones trap. He considers many things as unnecessary luxury. I’ve tried to explain him that they didn’t fall into it, it is just a popular thing at the time that people get into and it makes them happy. He just says it didn’t make them happy, they just want to keep up with others. All idea his friend put in his mind is absurd.
I’m afraid that his friend is setting him up for a big disappointment. His friend hasn’t even bought a house or finish college yet and yet he’s playing finical advisor for my son. My son takes every single of his advices very seriously and is trying to follow it religiously.
I want my son to realize that his friend know nothing and that if my son want to have all those things he dream of, he’ll need to find a really good job and really work his butt off for it. I don’t want him to continue live with false hope and hollow dream only to be hurt in the end. How can I show him that by selling his car, he’s doing himself a great disservice?

Technorati Tags: , , , , , , , , , , , , , , , , , , ,

Help! I lost my wallet!?

Cabin Insurance | Posted by admin
Aug 02 2009

Inside was my Driver’s License, a Debit Card (with 10 bucks in it lol), Health Insurance Card, and my California ID. What’s my first step?

I Just got home from a 18 hour drive from Colorado to CA (i wasnt driving) Im guessing i left it back in CO at my Relative’s house or its up in the slopes in the cabin where i stayed when we went snowboardin. I didnt realize i didnt have it till i got home. I called back and said they’re lookin for it, still no word.

Technorati Tags: , , , ,

Follow the policy or go with the situation?

Cabin Insurance | Posted by admin
Jul 30 2009

A teller in a local suburban bank,was suddenly confronted
by a man, pistol in hand who demanded all the currency in teller’s cabin.Teller put all his money in a bag. The bandit left unobtrusively
through the front door, jumped in a car and drove away.Teller
sounded the alarm, ran to his own car, and pursued the bandit Driving at high speed, he overtook the bandit, forced him to a stop and chased him on foot until overtaking him.Teller was shot in the leg, but successfully detained the bandit until the local police arrived.

The local press gave teller wide coverage for his heroism. He also received recognition from various individuals and groups for his bravery.

The bank officials,however, had mixed emotions about the incident The bank had a long standing policy
that a teller, when confronted with an attempt at robbery, was to comply completely with the demands, so as not to endanger employees and customers. Each teller had been
further instructed to give alarm only when it was safe to do so and then to await the action by police and insurance agents. Any bank employee who failed to follow this procedure would be immediately discharged.
The bank manager felt that Teller,by violating the policy, should be
discharged. The personal officer argued that his bravery, devotion to duty, and loyalty to the bank should mitigate his infraction of policy. The public relations officer reminded the president that the public might view Teller’s discharge from office with misgivings since he, after all, had saved theirs deposits. The training officer said that a dangerous precedent would be established if any exception to the policy were permitted.

What would You do to the teller if u were a manager, or being the third person how would you deal this situation?

Technorati Tags: , , , , , , , , , , , , , , , , , , ,

How do I get my son to see what his friend have been telling him is ridiculous?

Cabin Insurance | Posted by admin
Jul 27 2009

My 22 years old son has only two semesters to go before he gets his bachelor degree. He’s still living with the family at the moment. He work part time at a coffee shop and want to be chemical engineer after he graduate. At coffee shop that he works at, he has a coworker/friend who is majoring in business. This guy is making me crazy.
He keep put all stupid idea in my friend’s mind. My son has been begging me to let him sell his car that we bought for him two years ago. He says if he sells the car, he’ll save 5 on gas and insurance. He even made a chart that shows he can save up to 0 a month if he sells the car. He says he want to sell his car for ,000 and buy a bike and save everything else. He says he want to finish college and get a job and save as much as possible for a year so he can buy a house instead of renting. He also says he is considering to not owning a car until he retire.
He also have been really bugging me about how I manage moneys. I bought a new television a couple months ago, my son keep telling me that I should haven’t bought new one since the old one was working fine. He tells me if I would have continued to save, I could have enough for a down payment for a new house and rent it out by end of year. He also is trying to talk me into not buying s motorhome that I’ve been saving up for a long time. He’s trying to tell me I can easily put down payment on two or even three houses or buy a business or stock and make profit out of it.
My son even made a scrap book with all stuff he wants such as are he want to travel to, his dream house, his dream boat for fishing, and other things. He say this motivate him to save even more. He want things such as owning a lake with couple cabins and hotels to rent out so he don’t have to work and can fish everyday or travel.
My son also is always talking about how people fall in keeping up with the Jones trap. He considers many things as unnecessary luxury. I’ve tried to explain him that they didn’t fall into it, it is just a popular thing at the time that people get into and it makes them happy. He just says it didn’t make them happy, they just want to keep up with others. All idea his friend put in his mind is absurd.
I’m afraid that his friend is setting him up for a big disappointment. His friend hasn’t even bought a house or finish college yet and yet he’s playing finical advisor for my son. My son takes every single of his advices very seriously and is trying to follow it religiously.
I want my son to realize that his friend know nothing and that if my son want to have all those things he dream of, he’ll need to find a really good job and really work his butt off for it. I don’t want him to continue live with false hope and hollow dream only to be hurt in the end. How can I show him that by selling his car, he’s doing himself a great disservice?

Technorati Tags: , , , , , , , , , , , , , , , , , , ,

there is some smoke damage on parts of the kitchen and we rent this house….what steps should we take?

Cabin Insurance | Posted by admin
Jul 24 2009

Ok in better detail of what happened. Last night my nephew was making fries and out of nowhere the pan got on fire i guess for too much oil or idk. the point is that we got the fire out before the firemen got here but there was some smoke damage like on the stove, the thing on top to turn on the light (dont know how to explain what it is) and some cabins and there’s like black stuff on the ceiling.

we rent here and obviously we dont have no insurance and this was a total accident. is there a way we could solve this by the owner’s insurance or what do we do? what can we do in order to save a lot of money that we dont even got and just playing it out simple….what do you reccommend we should do??

Can the owner kick us out for the accident??

Technorati Tags: , , , , ,

Moving to Canada need some advice.?

Cabin Insurance | Posted by admin
Jul 21 2009

My husband and I plan to move to Ontario next summer. And hopefully become citizens someday. I have a few questions for any Canadians please.

1. Cost of living- my husband is in a Union and will be making .03 an hour now that’s a few dollars more than here and from what I’ve found the taxes are almost exactally the same 25-30% but I’m not sure about the cost of living difference- is this a doable wage?

2. The union provides excellent health insurance so do we forgo the goverment health or how does that work?

3. I’d like to live in the Niagara area – but that’s not set in stone- however, I don’t want to be in the middle of the tourist area are there any nice little towns maybe 25-45 minutes out that I should look at? Or just a different area althougher? My husband would live in a cabin in North Yukon (he’d be alone)

Anything else an American should know to avoid looking like an idiot?
Thanks!
He’ll work 40 hours a week.
In response to Holly his union contacted him to transfer because there aren’t enough people in Canada doing that particular job. I thought Canadians were supposed to be nicer than Americans- sure you don’t want to move here? You’d fit right in.

Technorati Tags: , , , , , , , , , , ,

Help! I lost my Wallet!?

Cabin Insurance | Posted by admin
Jul 18 2009

Inside was my Driver’s License, a Debit Card, Health Insurance Card, and my California ID. What’s my first step?

P.S. Just got home from a 18 hour drive from Colorado. Im guessing i left it there at my Relative’s house or its up in the slopes in the cabin where i stayed. I didnt realize i didnt have it till i got home. I called back and said they’re lookin for it, still no word.
Also inside was my School ID (im in college)

Im 19 years-old

Technorati Tags: , , , , , ,

pregnant and going on a road trip?

Cabin Insurance | Posted by admin
Jul 15 2009

i’m 26 weeks pregnant– i have pre eclampsia and gestational diabetes (wooohooo— right!). we are going on a road trip this weekend about 3 1/2 hours away– we’re taking my son(3yr) on a train ride, that will last 5 hours- 2 hours of the ride is a lay over in a small town (its a train with restored coaches, by a diesel engine, through a couple historic towns, very scenic). we will be staying over night and coming home either sunday or monday- just depends on what we get into

outside of planning numerous potty stops and my medications, insurance cards– is there anything you can think of that we should plan on or take with us?

i’m feeling pretty good this weekend and promised my son we would go- so were gonna go— there is a hospital about 45 minutes away- looked into that already.i’m tired of being home all the time- i have cabin fever and need to get out myself, i think it’ll do us all some good.

http://www.whitewatervalleyrr.org/main.php — where we’re going

Technorati Tags: , , , , , , , , ,

Traveling to Caribbean with 1yr old?

Cabin Insurance | Posted by admin
Jul 12 2009

I am going on vacation to Punta Cana with my 1yr old in two weeks. This is my first child and his first vacation out of the country. I have made a list for him:
Bottled water, sunscreen, insurance card, formula, tylenol, thermometer, benadryl (first aid type stuff), snacks for the plane, toys. I will have his stroller put in the cabin since I have two 2hr layovers going down. I think that will help while we are in the airport and I won’t have to carry him and a carry-on bag.

I am looking for any tips/suggestions for traveling with a young child.

Thanks in advance for your help.

Technorati Tags: , , , , , , , , , ,

Hit by a car….how much is a reasonable claim settlement? Click for details.?

Cabin Insurance | Posted by admin
Jul 09 2009

On 1/4 I was hit by a car while in the crosswalk, during designated walking time. I was taken to the ER via ambulance as a trauma patient where I was fortunate to only have severe contusions and whiplash. I missed about a week of work and have had lower back pain (non-existent before the hit) for which I am seeing a physician. Unfortunately, it seems that the pain is a muscle issue and so it may be a long road to recovery. I am not sure when I will settle, but I do know that I A) do NOT want to take this to court and B) don’t want to take a settlement that is less than I am entitled to. So, beyond the things that will be paid for by insurance (lost wages, damaged property, and medical bills), I would be asking for add’l xx amount for residual pain, nervousness when crossing streets, and the fact that I was hit the day that my boyfriend and I had rented a cabin for his birthday. Let’s just say the weekend wasn’t as fun as we’d planned.

I don’t want to be unreasonable. Thoughts?
Just to clarify: I am not interested in getting a lawyer and taking this to court. And also, my medical bills are being billed to my insurance, and then my insurance is supposed to be paid back by their insurance (apparently this is how it works in Oregon). So I’m not going to be paying anything out of pocket, although I have made some copayments that I will request compensation for. When it’s said that I should ask for 3x my medical bills, does that mean 3x the bills I’m paying, or 3x the bills in general?

Technorati Tags: , , , , , , , , , , ,

On Disability age 48 w/ $100 to invest a mth, is something like INGdirect my best bet or what?

Cabin Insurance | Posted by admin
Jun 30 2009

This would be my only investment . I lost 75% of my 401k in the Enron deal. It was a self contributing + profit sharing invested in either mutual funds or money market. I’m not very financially literate, I could’nt even tell you the difference. But what I did’nt lose I had to live off of for the 2 yrs. that I had to wait for my Disability to be approved. I had to file bankruptcy due to excessive doctor bills and no income for 2 yrs. I am just now getting to where I,m able to start investing a little bit. All I have is my paid for cabin, car, truck,medicare, and a Social Security ck. that just pays the bills and thats it. I even lost my life insurance policy, so I ‘ve got to start doing something. And right now it can’t be to risky. Any help is appreciated. Thanx!!!

Technorati Tags: , , , , , , , , , , , , , ,

Anyone else with a bad ankle that repeatedly sprains?

Cabin Insurance | Posted by admin
Jun 28 2009

Way back when when I was an eight year old kid I badly injured my ankle. We were out on my family's sailboat and my dad was working on the boat engine – which is under the stairs. Being a kid I was goofing around on the deck and went to run down stairs. Since the stairs were moved aside I fell down into the cabin and my father's toolbox fell on my ankle – badly spraining it .

Years and years have gone by and every few months I step on an uneven surface and my ankle gives way. It's always an "inversion" sprain – with my ankle turning in. Sometimes it's just a temporary discomfort while other times I'm hobbling around for a week or more. Normally I can run, I can hike, I'm in decent shape. If I wear my hiking boots I'm fine – it provides the support to prevent this – it's usually in other shoes that this happens but I obviously can't always wear hikers. I've sprained it when I was running across a grassy area with the dog and found a small hole, tripped off curbs. I guess my gracefulness could use work LOL

Today I was out back about to do some yard work (NOT in my hiking boots which I always freaking wear out there, damn it!) and went to walk down the steps from the upper part of my back yard (I'm on a hill) and slipped on some pebbles and <POP> there goes the ankle once again. This time it was particulary bad because I twisted it AND put the brunt of my weight on it as I stepped down. I may be going to the ER in the morning for an xray :(

My question to any of you that may have dealt with something similar:

Years ago a doctor suggested reconstructive surgery on my ankle – putting in I guess something artificial to make up for the wimpy or beyond repair ligaments in my ankle. Have any of you had this sort of operation done – or know someone that has – and has it worked for you/that person? I'm not worried about cost as insurance would cover most of it.

I'm tired of falling and right now I'm, once again, hobbling around with an ankle brace on and a VERY painfully sprained ankle and quite bummed that I won't be going hiking this weekend :(
Wow – lots of you with the same thing going! Love the story about the cadaver parts – hey, he or she didn't need them any more LOL!

Pixie – you can come visit me in WA anytime. Just bring sturdy hiking boots or we'll BOTH be on our asses somewhere in the woods. I did trip off a trail once even in my boots and landed in this nasty mucky pond. I had to hike about 2 miles back to the trailhead looking like a mudbeast from hell AND limping LOL
I bought this nice Neoprene brace at Walgreens and have worn it the last few days. Definitely helps. I really wrenched it bad this time – the entire outside of my ankle is red and purple bruised. I also have more of a "cankle" than ankle on my left side at the moment :-/

Technorati Tags: , , , , , , , , , , , , , , , , , , ,

Follow the policy or go with the situation?

Cabin Insurance | Posted by admin
Jun 25 2009

A teller in a local suburban bank,was suddenly confronted
by a man, pistol in hand who demanded all the currency in teller’s cabin.Teller put all his money in a bag. The bandit left unobtrusively
through the front door, jumped in a car and drove away.Teller
sounded the alarm, ran to his own car, and pursued the bandit Driving at high speed, he overtook the bandit, forced him to a stop and chased him on foot until overtaking him.Teller was shot in the leg, but successfully detained the bandit until the local police arrived.

The local press gave teller wide coverage for his heroism. He also received recognition from various individuals and groups for his bravery.

The bank officials,however, had mixed emotions about the incident The bank had a long standing policy
that a teller, when confronted with an attempt at robbery, was to comply completely with the demands, so as not to endanger employees and customers. Each teller had been
further instructed to give alarm only when it was safe to do so and then to await the action by police and insurance agents. Any bank employee who failed to follow this procedure would be immediately discharged.
The bank manager felt that Teller,by violating the policy, should be
discharged. The personal officer argued that his bravery, devotion to duty, and loyalty to the bank should mitigate his infraction of policy. The public relations officer reminded the president that the public might view Teller’s discharge from office with misgivings since he, after all, had saved theirs deposits. The training officer said that a dangerous precedent would be established if any exception to the policy were permitted.

What would You do to the teller if u were a manager, or being the third person how would you deal this situation?

Technorati Tags: , , , , , , , , , , , , , , , , , , ,

How does probate work?

Cabin Insurance | Posted by admin
Jun 19 2009

My fiance and I bought a home together he died suddenly and I know we had insurance to cover the mortgage there was a disability death clause on it .. but it was never in my name the aggreement was that ( his children would inherit the lake cabin) and I would keep the house if anything would happen to him and if anything happened to me he would stay in the house .. now they are saying that it isn't paid for and I know it is they are wanting to sell it and want me to move in 30 days..This is in Minnesota.. does any know anything on how I can find out if the house is paid for if they wont give me that information .. the morgatge company wont give me any info because I am not the exectour of the estate Thank you for any help you can give me I can prove that I paid the house payment out of my account .. can they evict me ? While it is probate..can a home be foreclosed on ?

Technorati Tags: , , , , ,

How long would Jerry Seinfeld and friends spend in prison for their illegal activities?

Cabin Insurance | Posted by admin
Jun 16 2009

Drugging girlfriend to play with toys, stealing loaf of bread from old lady, stealing cable, george drugging his boss,george stealing the clock, dog(kid)napping,public peeing,placing illegal gambling bets,dropping candy into a patient and not reporting it,defrauding mail insurance, defrauding unemployment,perjury,illegal cubans(both cigars and people), burning down the cabin,scalping tickets, handicap spot,stealing the manaquin, not giving aid to poolboy, steeling lobster, etc. I know there are many more. Please remind me. If theres a judge out there, Lets hear what the sentences would add up to.
Just because you get caught stealing and give it back doesnt mean you didnt steal it. otherwise, our prisons would have much more space. I would have to check out the good samaritan laws in ny as far as helping the pool boy. seinfeld didnt just make that up for their final episode..

Technorati Tags: , , , , , , , , , , , , , , , , , , ,