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February 19

ACCESS AMERICA TRAVEL INSURANCE

Filed under: USEFUL INSURANCE TO HAVE — Meghan @ 10:46 am

I have excellent news!!!  Remember I told you that I had purchased Travel Insurance from ACCESS AMERICA??  Before I broke my foot, I had plans to go to College Station, TX.  I wisely bought the “Travel Insurance” when I purchased my airline tickets. My boyfriend wouldn’t spring for the insurance when he bought our tickets for Vegas.  And, because I wasn’t able to go — he was just out the cost of the airline tickets for me. He also had to endure Vegas without me being there  –  but, such is his rotten luck.

Maybe I had a premonition, I don’t know.  But, cheapie me bought the travel insurance.  I had had a very bad case of the flu a couple of weeks before I bought the tickets.  I really just thought that maybe I might just come down with something serious like the Bubonic Plague or something else that would render me unable to get out of bed.  I NEVER thought I would break anything!!  I had never broken a bone in my life before and no one else in my family of seven children has ever broken anything either. (None of the nieces or nephews, either.)  Somehow I thought I was invincible.

After I broke my foot and was in such  horrible pain, I filled out the forms and got the doctor to sign the forms, giving his permission for me not to travel. Well, the other day I received a check from them for $313.33!!!!  (Enclosed please find check in the amount of $313.33 as payment for “Trip Cancellation” due to “Injury of insured”.)  I didn’t have to bug them or call them twenty-two times  —  they just paid the claim.  GO ACCESS AMERICA!!!

You never know when you’re going to step in a hole and break something.  I am planning to buy the travel insurance from now on.  It cost me less than twenty bucks.

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January 29

CLOWNING AROUND WITH WALMART

Filed under: Uncategorized — Meghan @ 10:07 am

I just thought this was so Damn funny –  I had to post it.  Why – oh why — do I think this is so funny??  Have watched it like ten times & I scream with laughter every single time!!!

January 27

WASP SPRAY OR PEPPER SPRAY?? TALK ABOUT INSURANCE!

Filed under: Uncategorized — Meghan @ 9:00 am

There’s a new trend in self-protection:  WASP Spray.  Some say it’s a preferable alternative to pepper spray for protection against assailants. Here is a little story that’s been posted on the Internet:

“A friend who is a receptionist in a church in a high risk area  was
Concerned about someone coming into the office on Monday to rob them
When they were counting the collection.  She asked the local police
Department about using pepper spray and they recommended to her that
She get a can of wasp spray instead.

The wasp spray, they told her, can shoot up to twenty feet away and is a lot more accurate, while with the pepper spray, they have to get too close to you and could overpower you. The wasp spray temporarily blinds an attacker until they get to the hospital for an antidote.  She keeps a can on her desk in the office and it doesn’t attract attention from people like a can of pepper spray would. She also keeps one nearby at home for home protection.

On the  heels of a break in and beating that left an elderly woman in Toledo dead, self defense experts have a tip that could — save –  your life.

Val Glinka,  from Ohia, teaches self-defense to students at Sylvania Southview High School . For decades, he’s suggested putting a can of wasp and hornet spray near your door or bed.

Here’s a Video about it:

Glinka says, “This is better than anything I can teach them. “Glinka considers it inexpensive, easy to find, and more effective than Mace or pepper spray. The cans typically shoot 20 to 30 feet; so If someone tries to break into your home, Glinka says “spray the Culprit in the eyes”. It’s a tip he’s given to students for decades.

It’s also one he wants everyone to hear. If you’re looking for protection, Glinka says look to the spray. “That’s going to give you a chance to call the police; maybe get out.” Maybe even save a life. “

I’ve seen this article smatterred about the internet and I’m not sure how I feel about it.  On one hand, police suggest that if someone is trying to rob you  –  just give them your money and then call 911.  True — it would be good to escape unharmed. But, how does one know that’s all the robber is going to do to you??  Sometimes, they like to beat people up, (that they’ve robbed),  just because they think it’s fun (or whatever the hell they think!)

The police say that it might be against the law in some areas to use wasp spray on an assailant because that’s NOT the “intended use” of the product. They say you could get sued for attacking an assailant like that.  I say that if I’m alone and unprotected that I should be able to protect myself with whatever means is necessary.  I mean, if it’s me or him (or them)??  Guess what, I wouldn’t think twice about it.

This wasp spray stuff is billed as a “humane way” to thart someone’s evil plans for you.  I really don’t think it’s humane at all.  They would be in a serious situation.  BUT — I would take my chances to be fined or sued or whatever if someone tried to lay a hand on me –    I would use pepper spray or wasp spray or any other spray that they come up with next.

I don’t like the idea of a tazer gun ’cause you have  to get too close to the assailant to use it.  And then, it could be used against you.  What do you guys think???  Please comment and let me know.



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January 25

HEADING BACK TO WORK TOMORROW

Filed under: PROBLEMS (AND SOLUTIONS) WITH A BROKEN FOOT — Meghan @ 3:06 am

Have been off work about seven weeks because of my broken foot.  I still can’t really put all of my weight on it yet.  Who would believe that it’d take this long to ‘grow it back’ again??  I really wish that I could already walk because it’s really difficult to get ready for work (take showers, etc.), wash the clothes, buy the food, fill the gas tank up and all the other crap one has to do in order to even go to work. Not to mention the ordeal of actually doing the job 8 hours a day with only a ten-minute break.  Lord have mercy!!  I am exhausted just thinking about it.

It will be nice to see all my old co-workers.  I think that everyone is excited for me to get back to work except the one actually doing the work. (me). Let’s see, only eight years left to retire …

January 23

WHAT WOULD I DO WITHOUT HEALTH INSURANCE??

Filed under: USEFUL INSURANCE TO HAVE — Meghan @ 8:58 am

I like my medical insurance.  I really do.  I have Blue Cross and Blue Shield.  I work for an employer and have  “employer-sponsored”  health insurance.  What that means is that my employer pays around 50% (in my case) of the cost for me to be covered (called the premium).   Now some employers pay 75%  of the cost and a lot of people that work  for the government (like state or federal employees),  have 90% to 100% of the cost paid (or the premium). My medical insurance costs me around $200 a month.  That means my employer is kicking in the other $200.  This saves me a lot of money because not only would I have to work an extra 20 hours or so (roughly) a month  –  but, I would also have to pay taxes on said $200.  Since I am a single woman and the government really likes to soak the “singles”, it would cost a great deal more for me to not be ‘subsidized’ by my employer.

The other problem with not having insurance from my employer is that I couldn’t get very good coverage.   The benefits are severely limited for someone that purchases an Individual policy.  That’s what the whole uproar in the government is currently about.  Group insurance is soo much better than individual insurance. For instance, when I go to the specialist, it only costs me a $40 C0-Pay.  In this situation, my deductible is $0 to see the doctor. Typically, if  I had individual insurance, that insurance probably wouldn’t start paying anything until I had paid a deductible of $5,000 (it could be more or less  -  usually more).  The reason for this is that (with Group Insurance), the cost of  medical care is spread across a wider variety of need for said medical care. Usually younger people t hat pay premiums for health care would subsidize older workers because younger people don’t need to see a doctor as often and don’t take as many prescriptions as older people.  Insurance is all about spreading the risk among different groups of people. If insurance companies had to pay out on everyone  –  they would soon go out of business.

If someone loses their  job, how would they pay for the cost of medical care?  That’s why so many people want Obama Care. Lots of  people are losing their jobs right now. I read that the economy is not going to improve much for the next  year.  Many companies are not doing well.  How is my company holding up?  I wish I knew.  They seem to be firing people right and left.  The news is not good.  What would I do without medical insurance?

Do any of you readers have any thoughts about health insurance?  Do you have health insurance?  Do you think the insurance that the Obama administration is a good idea?  Any questions?  I am an insurance agent –  so I can answer any general questions you’d have.

The “hooker story” isn’t as exciting as you would imagine. My boyfriend, Harris, had been winning heavily at the craps tables at Ceasar’s Palace.  Now Harris is a total nerd. He looks like a nerd, acts like a nerd (and sometimes a jerk!) and would def be someone a hooker would hit on. He was sitting out a few and was checking his e-mail on his nerdy I-phone. He was wearing a Ceasar’s palace shirt & cap (pu-leeze). The hooker came up to him (she was a black woman) and asked if he wanted them to “go up to his room”. He said he didn’t know WHAT to say and was afraid of hurting her feelings. He stammered out something that sounded like a “No”.  And, she walked off, talking to her pimp on her cell phone.

I was annoyed  with him for not just saying “No” right away.  And, then annoyed that he felt badly when he said, “No” (or whatever he really said). And then, REALLY annoyed because he had to re-hash this story at least five or six times with me. Each time, sort of explaining (to me or to himself) why he had to say “No”.

Now, the thing is that I usually have to beg him myself to have sex (yeah, not kidding — that’s what happens when you get old)!  I’m the partner with the high libido — lucky me. He doesn’t mind not giving me sex — so, he certainly shouldn’t have to justify his actions to the hooker. And, it’s not like I would appreciate him having sex with a hooker (or anyone else)!!

The other thing is that people always say that I look really good for my age (whatever that means).  And, I constantly have guys hitting on me.  The super in my building thinks both me and MY daughter are super hot and flirts with me all the time. Some kind of male fantasy thing, I’ve heard.

But, you don’t see me having to explain to people why I don’t have sex with other men. I don’t even mention this to him. MEN!!!  Can’t live with them — can’t live without ‘em.


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