7 thoughts on “Rants! and Raves! 1-11-20

  1. It is almost too trivial to mention.
    But there is a TV commercial that irritates me.

    “You can sell your insurance policy. If you are over 65 have $100,000 or more. You can sell your policy and enjoy your retirement.”

    But you can do it only once, and the one you leave behind in going to bury you in the back yard, or dumpster. People buy life insurance for a purpose.

    I used to have over $500,000 in insurance. But it was all term, and when Chuck graduated, and Elvera got her retirement, I let the policies drip because they became too expensive and I don’t need them anymore. I have enough to meet expenses. But it has served it’s purpose.

    It just bugs me to see that.

    Liked by 2 people

  2. Speaking of commercials, there’s one ad jingle — “donate your car today!” — sung by kids that just drives me up a wall for some reason. I mute the commercials for the most part.

    The Geiko commercials can be clever & entertaining. The rest? Entirely annoying.

    Liked by 1 person

  3. On our way to the Legion of Honor to see the James Tissot exhibit (I use his Biblical paintings to illustrate a lot of my Bible-based blog posts), followed by lunch with retired Coast Guard friends of nearly 40-years (met them in CT) on the way home.

    Liked by 1 person

  4. Daughter is mad at both of her workers. Not too surprising. She told one of them that she is planning an adventure. She wants to get her bike fixed. I told her that is her responsibility, as an adult. And buy a new helmet . Worker tells me she is planning a longer ride. Other worker says she wants to dabble in alcohol, drugs, and vaping, which is why she wants to go to public school. We think her adventure involves riding to another town before setting off cross country. At the other town, she will likely try to enroll herself in school (they also would put her in resource room, which is not her goal) and try to connect with the brother and his girlfriend to get the required items for drinking, drugging, and vaping. The brother (from the youth challenge) would not help her. So, we are hoping she will not be able to figure out how to fix her bike. As a person who is not bothered by riding five miles with two flat tires, that could prove challenging. She will figure it is fixed whatever she does. Rather icy out for riding though.

    Liked by 2 people

  5. Chas, I so agree about those commercials. I am particularly dismayed about those who talk about selling annuities and those that promote buying insurance on home appliances etc. Selling a policy for a huge, huge discount to live a little more luxurious lifestyle is really foolish, especially if it is a couple. One spouse or the other may need the money later. Paying into an insurance policy for items you can set savings aside for is very foolish. The companies know the odds and they are not any more in your favor than going to a casino is.

    I also know one couple who got one of the deals where their house was used for their living expenses. They were still quite young when all that the equity were ‘given’ was gone and they ended up having to pay rent to stay in their own home. This option may be good for someone, but not for a lot of people. Thinking through all the possibilities and options is not something encouraged often enough. We used to have laws against many of these schemes, as well as exorbitant interest. The protection of foolish people was something considered good. Of course, that was back in the days we wanted to help people to see suicide is not an option, too. Times have surely changed.

    My husband had an insurance policy like that from before we got married. We stopped paying on it during his first lay-off. The insurance guy tried to get us to keep it, but there was no way we could keep paying on it. I am glad he had not had it very long.

    Liked by 1 person

  6. Kathaleena, my husband and I didn’t used to get insurance on home appliances, either, but now they are made not to last. When we bought our last pair of appliances, we got insurance, and it ended up being a good thing. The seal on the fridge door got a crack in it, and it turned out they had stopped making the gasket–or at least they kept shipping us one that was just an inch too large. They finally had us get a new fridge, and it was covered under warranty. We’d only had the fridge a couple of years.

    Likewise, my husband had me get a four-year warranty on my camera instead of the one-year one it came with, and it turned out I needed to use the manufacturer’s warranty within the first year, right at the end of the year. (In that instance, we found out the company that sent me the camera cheated and sent me a used, refurbished one instead of the new one I had paid for. We found that out since the manufacturer wasn’t going to honor the warranty because it wasn’t a new camera–the numbers inside and the numbers outside didn’t match–but when we told them we bought it from an “authorized” dealer, then they honored it!) I have now had the replacement one for about two years and haven’t had to send it back, but I have another year to go on the extended warranty, and it’s good to have it if I need it. It cost a fairly small fraction of the purchase price, and it seemed worth doing considering that heavy use of the zoom lens does wear out the camera.

    Like

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