Hmmm

HERE DID THE HUMMERS GO?

Actually the males arrive first on March 27th this year, that was my first sighting, and now Aug 1 they are gone but I think they left on July 30.  They had huge fights that day and were batting at each other for a couple days...now it's only females here and they are batting at each other pretty hard. 

Males arrive early to stake out territory and they leave to reclaim territory in the tropics of Central America.  They won't make the whole trip in one day they will gradually go down south so I may see some passing males but my resident ones are Outta Here! 

I wish I was outta here with them.   Ive had a head cold for over a week now...NOT my norm at all I think when I had Covid it turned me upside down inside out and now Im a walking target.  I still wear a mask out in public and I had the shots soooo what else can one do.  My son said 'it's allergies." it is not...I have never had allergies more than one sneeze at a time.  

Anyways seems like its been a long summer already and Im not keen on the current weather here its suffocating with humidity and high's above 90 and even 100 with heat index of 104-109.  The weather people promised highs of the 80s next week sure hope so my grass is getting very tall and the outside chores are piling up.  I went out to water my pots yesterday after the sun went down and it was dusk I could still see my way to drag the hose around.  I got out early this morning to do a few chores and within 5 mins I was feeling like a limp ragdoll.  

So Im doing  summer hibernation! I would be traveling but my finances are in a mess right now and I need to be thinking of getting a new roof.  Im thinking of it but so far made no move to get it done.  I will take out a small loan I don't want to fork over any savings I have cause who knows what tomorrow brings, I can't eat a roof, or take it with me, if the house burns down!! 

So this is what happened with Insurance.  Mom had no insurance on her house when I moved in with her back in Nov 2006.  So right away I got some insurance on the house.  Each year it went up...the value of the house at the time it was so small had only one bedroom so I said I wanted it insured for $75,000.  The tax people had the house valued at just over $50,000.  Then I added the extra bedroom and deck increasing the value to about the price I had it insured for.  Then every year the price would go up on the premium.  I would look at the paperwork, and each year they were raising the value of replacing the home until they had it at $106,000 in value. The replacement value.  Yes BUT---would they actually pay that if we had a complete loss??

 That was preposterous...so I told them either lower it or we are cancelling...by this time I had gone through a property settlement with my X husband and now we had a second home to move into if anything happened to Mom's so we made a pact...IF something happened to one home we would both live in the remaining home.  Seemed fair and smart, the insurance company said "lower  your deductible, lower the personal injury part of the policy and that will lower your payment," HELL NO you lower the over inflated value  you have put on the home...they didn't so we cancelled! 

My Mom passed away and now my son lives in her  home.  I'd rather live in a cardboard box than try to live with him again so if my house burns down Im going to buy a small shed and PUT him in the "tiny home" and move into my second home, Mom's.  He does not know this but if the time comes HE will get the memo. 

My sister did the same thing when her insurance went way beyond the value of the home, she said "NO MORE" and she said she would move here with me.  We were paying $1,000 a year insurance, when we cancelled it in 2013 when I lost my job after falling so with all the  increases they would have hit us with which was about $20 a month each year the policy renewed I figure in the 8 years that was a savings of over $10 grand easily, figuring in the increases based on what we had experienced...when we took the policy out it began at $690 per year.  That is more than enough to pay for a tiny home!! 

We would have paid them $10,000 for nothing and in fact if you add in what we did pay in the 7 yrs we had it, it was closer to $20,000 for NOTHING!! 

We had a water heater leak and the whole floor was wet and it took weeks for us to dry it out the bathroom floor was ruined...the insurance did NOT cover anything, so we shelled it all out of pocket, plus the install and purchase of the new water heater...that was not covered under our policy...So you think you got yourself covered you don't. They said that was caused due to lack of maintenance.  HOW the heck did we know...if I had'nt notice the floor covering looked darker than normal and the plumber said it's been leaking for a couple weeks slowly getting bigger and bigger.  
RIP OFF.