The Insurance Racket

Gotta love insurance companies. I have recently changed from renter's to home owner's and the auto has been switched to the same company. I received a nice little "not a bill" from my prior auto insurance company and six months coverage will only cost me $413 for full coverage. That's 3/4 what the car is worth! I have dropped full coverage with the new policy so it's about $200/6 months but I know based on my mileage it will go up about $40 when it's due again. Still, $480/yr. for a car worth $1200 is a lot. But I had to have higher than basic coverage to protect my house ($100k v $15k). That's worth it. Wouldn't want to lose the house.

Still, insurance is expensive. And I don't want to talk about my health insurance. When the agent tells you to consider it catastrophic only, that's not good. I no longer can have the lab tests he wants and instead get just one at his office the day of visit. They charge me $17 for the test the lab charges $350. If I can write off what I pay for meds and premiums and it's enough, at least this year it might help. I will be able to get the $8k credit for buying the house and I can deduct interest, charitable gifts and business expenses. And maybe have enough to pay myself back for the repairs I have made and still need to make.

Eventually it will be cheaper to NOT work. I can get better health coverage, housing and food assistance. Hey, even mortage payment might be made by the government! Pretty soon between what the feds and state take for taxes I won't be able to afford to work. This is sad. What has happened to our country?

Guess it's the insurance racket. And then some.

Time

I have not had time to post. Yes I have pictures but I have not really had much time at home. Except for organizing the Yarn Room and going through things in the attic mostly everything is where it should be now. I've been living here in this nice house for 2 weeks now. I need to download the pictures from my camera to my computer so I can post them. I need to update my Crafty Rantings. I just have been busy working and putting away and at night I don't feel like being on the computer. I am having to readjust my schedule because the computer is in the Yarn Room and away from everything else. That's how I wanted it. I suppose I could change it and move it into the livingroom where the desk is but quite frankly I don't want to. I don't mind not being on the computer as much. Just makes blogging harder. :)

I am going to New Hampshire for Mother's Day. I am looking forward to that. Four weeks from now I will be there. Then after I get back I will be going to the Legal Secretaries annual conference. Our association is putting it on. My friend Brooke is going to be the president of the state LSI. I'll need another vacation after that!

I am happy here in my nice home. I haven't put up pictures but I think I have a couple of people who will help me do that once I'm ready. I also want to have a little open house but that probably won't be until early June now. Too many things going on. And by then I hope to at least have the attic somewhat organized even if not cleaned out of junk.

Because it's been so long since I blogged I figured even though I had no pictures this was a start. I am happy and well and learning to cook again. I am able to indulge my fondness for cheese omelets with toast and grilled hot dogs. My new appliances (thanks Mom!) are wonderful. I've had some glitches (overflowing toilets, no hot water, no phone) but knock on wood those seem to be ok. I had a plumber get rid of the roots in the sewer system so the drains drain and the toilets don't overflow. A co-worker and her husband put a vent over an open space by the water heater and that stopped the pilot light from continually going out so now I have hot water. The wiring for the phone box is now fixed (and an extra $7 month for wiring insurance) so the extra $200+ I have had to spend out to get things back to how they should be has been worth it. And now I have a good plumber if I need one but hopefully won't. Now I just need to get the lawn mowed again. Alma volunteered but I don't know if I want her doing that kind of thing for me. Bad enough she has to do her own! I have someone who hopefully might do it and not charge me a fortune. And I hope to have the money to get the outside repairs done so I can do a refinance and get a 30 year loan soon before the rates go up too much.

My first mortgage payment is due this week. I have paid my first phone bill, water bill, garbage bill and satellite bill. Just waiting for the electric bill. I dread that.

I don't know when I'll get pictures posted but know that I'm doing good. I am really happy with all this space. My own space. That's so much nicer than I had anticipated and I had really high hopes.

Hopefully pictures at some point soon. Wish it were Friday already. :)