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- #8,091
farmerjan
Herd Master
- Joined
- Aug 16, 2016
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- Location
- Shenandoah Valley Virginia
Loooong day. 47 overnight, up to 74 on the recording thermometer. Sunny out with a very slight breeze so really nice. Got Nothing done here since I was gone all day.
Went to meet the insurance guy at 9... he spent 2 hours with me and we talked about all sorts of insurance. He got info on the current vehicle policy, and the info on the forester that I want to add. Said if he were me, since the agent told me that she could not add the forester without breaking this block price... to call the company directly. Tell them what I wanted to do, taking off the collision on the explorer since it no longer has a lien, and that I want to add the forester that I had a new engine put in so I could drive it again, and that I wanted to put it on the policy since I am advertising the explorer for sale and don't know how fast I will get it sold, but want to put the plates back on the forester, have done all the work to get it ready for inspection, and drive it while I am waiting to sell the explorer... He said that the company might go for it BECAUSE I want to take the collision OFF the explorer since it is paid for and that is the most expensive part of "full coverage"... so that the difference in price might make it possible to not change the "rate structure" too much. Like he said, what can they say????
He said he has a friend that is an expert in vehicle policies, that he will throw this out to, and should hear back by the middle of next week since he is going to be gone Thurs through Mon....
That works...
He took info on the current house ins and will do some comparisons with a different company he now represents...
And then we talked Medicare and the new plans and the new plans on the "Medicare Advantage" side... as opposed to the Medicare plus supplement I currently have... and the differences in cost and what they provide. @Mini Horses and I talked about them, as her ins friend went over her stuff a couple years ago, and she switched to the Advantage plans since she does not have any "medical issues" that a supplement plan might be better for, and the vision and dental that she gets now that she did not have before; for little/no costs compared to what she had. He agreed that what I have now is probably best since I am thinking/talking possibility of the shoulder replacement... what the new deductibles for the Advantage plans are... ( up to around MAX of 4,000) and what they offer for hospitalization etc and so on. I am right near the tipping/balance point.... considering what I pay in monthly total for regular medicare and a supplement...... adding up to the difference in the possible max out of pocket costs for the advantage plans.... still a little better for me to stay with what I have now... but something to think about in the future once I get all the "bionic parts" put in my body....
So, the house ins renewed in Aug, and it went up so I expect my monthly "mtg payment" will go up a little once they adjust it; as it is paid to the mtg company and put in escrow that they pay every 6 months. I kind of expect it to go up every year as insurance gets higher and higher...
So, I left there, went by the Verizon store and I couldn't get the text messages font size to get smaller... after going in the settings and making sure the font size was right and all that... well, guess what... this electronic DUMMY didn't realize that I somehow had expanded the screen... just on the actual text messages, to the largest size it could go... and so he just used his fingers to scrunch it back down..... I had no idea when/how I did that, and since it was only on the text messages screen, it never occurred to me that it was that...It was not even on the screen that shows all the previous text messages, just on the screen that each and every individual text "conversation" I pulled up.... I was aggravated that I was doing everything I knew and it wasn't happening...
I told the guy that I was really sorry to bother him... that I just wished that they gave a "learning class seminar" for people like me that I could take to ask questions like this, and take notes so that when something like this came up, I would know what to try first.... he said they had been thinking of offering something like that.... especially for people that had switched from flip phones to "smart phones" and there were all these multitude of things they did that many people had no clue how to access or what they were for, therefore did not utilize the phone because they were frustrated with it... I said, yeah, for many like me that did not grow up with all these electronics and didn't have time to spend hours "playing with the phone" to try things out. Just wanted to do xyz on it and know how to "fix" little things like my size of font issue that I was trying to fix since it was only happening in the actual conversations.... I said, I know it is more likely that us "seniors" had these problems, and he said well, yes to some extent, but alot of 40-50 year olds have alot of problems with it too.... so not to feel bad about it.
Went to meet the insurance guy at 9... he spent 2 hours with me and we talked about all sorts of insurance. He got info on the current vehicle policy, and the info on the forester that I want to add. Said if he were me, since the agent told me that she could not add the forester without breaking this block price... to call the company directly. Tell them what I wanted to do, taking off the collision on the explorer since it no longer has a lien, and that I want to add the forester that I had a new engine put in so I could drive it again, and that I wanted to put it on the policy since I am advertising the explorer for sale and don't know how fast I will get it sold, but want to put the plates back on the forester, have done all the work to get it ready for inspection, and drive it while I am waiting to sell the explorer... He said that the company might go for it BECAUSE I want to take the collision OFF the explorer since it is paid for and that is the most expensive part of "full coverage"... so that the difference in price might make it possible to not change the "rate structure" too much. Like he said, what can they say????
He said he has a friend that is an expert in vehicle policies, that he will throw this out to, and should hear back by the middle of next week since he is going to be gone Thurs through Mon....
That works...
He took info on the current house ins and will do some comparisons with a different company he now represents...
And then we talked Medicare and the new plans and the new plans on the "Medicare Advantage" side... as opposed to the Medicare plus supplement I currently have... and the differences in cost and what they provide. @Mini Horses and I talked about them, as her ins friend went over her stuff a couple years ago, and she switched to the Advantage plans since she does not have any "medical issues" that a supplement plan might be better for, and the vision and dental that she gets now that she did not have before; for little/no costs compared to what she had. He agreed that what I have now is probably best since I am thinking/talking possibility of the shoulder replacement... what the new deductibles for the Advantage plans are... ( up to around MAX of 4,000) and what they offer for hospitalization etc and so on. I am right near the tipping/balance point.... considering what I pay in monthly total for regular medicare and a supplement...... adding up to the difference in the possible max out of pocket costs for the advantage plans.... still a little better for me to stay with what I have now... but something to think about in the future once I get all the "bionic parts" put in my body....
So, the house ins renewed in Aug, and it went up so I expect my monthly "mtg payment" will go up a little once they adjust it; as it is paid to the mtg company and put in escrow that they pay every 6 months. I kind of expect it to go up every year as insurance gets higher and higher...
So, I left there, went by the Verizon store and I couldn't get the text messages font size to get smaller... after going in the settings and making sure the font size was right and all that... well, guess what... this electronic DUMMY didn't realize that I somehow had expanded the screen... just on the actual text messages, to the largest size it could go... and so he just used his fingers to scrunch it back down..... I had no idea when/how I did that, and since it was only on the text messages screen, it never occurred to me that it was that...It was not even on the screen that shows all the previous text messages, just on the screen that each and every individual text "conversation" I pulled up.... I was aggravated that I was doing everything I knew and it wasn't happening...
I told the guy that I was really sorry to bother him... that I just wished that they gave a "learning class seminar" for people like me that I could take to ask questions like this, and take notes so that when something like this came up, I would know what to try first.... he said they had been thinking of offering something like that.... especially for people that had switched from flip phones to "smart phones" and there were all these multitude of things they did that many people had no clue how to access or what they were for, therefore did not utilize the phone because they were frustrated with it... I said, yeah, for many like me that did not grow up with all these electronics and didn't have time to spend hours "playing with the phone" to try things out. Just wanted to do xyz on it and know how to "fix" little things like my size of font issue that I was trying to fix since it was only happening in the actual conversations.... I said, I know it is more likely that us "seniors" had these problems, and he said well, yes to some extent, but alot of 40-50 year olds have alot of problems with it too.... so not to feel bad about it.