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Post by elkawho on Aug 4, 2021 18:23:09 GMT
Well, since I updated you last things have gone from bad to worse. The car is in a bad way. Right now my estimate from the body shop is $3000 of repairs. Meanwhile my auto insurance company has informed me that my policy (which is brand new) does not include collision coverage. This was shocking news, considering I have always had collision coverage on my cars and I knew that my 18 year old son was going to be driving it. So I'm in limbo with this car. Harper has been doing food deliveries for some money while she finds a job, so she can't work. And I can't afford to fix this car paying out of pocket. Meanwhile, all the car issues over the last month have left me completely broke. I have been a complete wreck over the last few days.
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Post by tuigirl on Aug 4, 2021 19:04:50 GMT
Well, since I updated you last things have gone from bad to worse. The car is in a bad way. Right now my estimate from the body shop is $3000 of repairs. Meanwhile my auto insurance company has informed me that my policy (which is brand new) does not include collision coverage. This was shocking news, considering I have always had collision coverage on my cars and I knew that my 18 year old son was going to be driving it. So I'm in limbo with this car. Harper has been doing food deliveries for some money while she finds a job, so she can't work. And I can't afford to fix this car paying out of pocket. Meanwhile, all the car issues over the last month have left me completely broke. I have been a complete wreck over the last few days. Oh no. This sucks. I am sorry this is happening and it really seems as if bad things came in threes.
I really hope for you this will get sorted out.
Sending you hugs.
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Post by aussiedoctorwhofan on Aug 4, 2021 20:44:14 GMT
Today is day 2 of me officially training up my new team mate, she has about 30 years experience, however her downfall (as she told me from the get go) is thst she is a "talker".. She asked me to let her know when she rambles on as she puts it. We have lots to get through today I warned her she needs to be writing lots of notes/hints & tips/shortcuts because they will be her lifesaver when I am not available to assist her immediately. Besides that we get on great HAHA
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shutupbanks
Castellan
There’s a horror movie called Alien? That’s really offensive. No wonder everyone keeps invading you.
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Post by shutupbanks on Aug 5, 2021 0:04:30 GMT
Well, since I updated you last things have gone from bad to worse. The car is in a bad way. Right now my estimate from the body shop is $3000 of repairs. Meanwhile my auto insurance company has informed me that my policy (which is brand new) does not include collision coverage. This was shocking news, considering I have always had collision coverage on my cars and I knew that my 18 year old son was going to be driving it. So I'm in limbo with this car. Harper has been doing food deliveries for some money while she finds a job, so she can't work. And I can't afford to fix this car paying out of pocket. Meanwhile, all the car issues over the last month have left me completely broke. I have been a complete wreck over the last few days. How awful. I hope something improves here for you, elkawho.
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Post by Timelord007 on Aug 5, 2021 7:43:36 GMT
Well, since I updated you last things have gone from bad to worse. The car is in a bad way. Right now my estimate from the body shop is $3000 of repairs. Meanwhile my auto insurance company has informed me that my policy (which is brand new) does not include collision coverage. This was shocking news, considering I have always had collision coverage on my cars and I knew that my 18 year old son was going to be driving it. So I'm in limbo with this car. Harper has been doing food deliveries for some money while she finds a job, so she can't work. And I can't afford to fix this car paying out of pocket. Meanwhile, all the car issues over the last month have left me completely broke. I have been a complete wreck over the last few days. Again bad stuff happening to a good person, i hope things pick up soon for you.
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Post by Timelord007 on Aug 6, 2021 7:21:03 GMT
Got £100 pound knocked off car insurance, like for like.
Utterly preposterous how one company charges £100 more for the same policy.
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Post by theillusiveman on Aug 6, 2021 7:39:47 GMT
Evil dead the game has been delayed till Feb 2022 But they are adding a single player and ironing out Any bugs and glitches so that’s great news
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Post by Deleted on Aug 6, 2021 8:09:38 GMT
Got £100 pound knocked off car insurance, like for like. Utterly preposterous how one company charges £100 more for the same policy. Having previously been an underwriter, in an industry that gets much maligned - it really isn't. When the same company is cheaper at new business through price comparison sites than on renewal, it's because those sites subsidize the first year so they get commission. Compare The Market, GoCompare etc aren't working for free. So you're offered cheaper insurance than the policy is really worth. It's why insurers only make money on renewals, not new business as a rule. Then there's usually a bit of discretion for discount if you've been with a company claims free on top of your No Claims. Fraud claims have gone through the roof over the past decade adding about £50 to every policy. That's trebled since 2011. So the next time you hear someone say "just put in for whiplash" - they're adding to YOUR policy. Also the Tories have more than doubled insurance premium tax. 5% of your policy was tax in 2011...now 12%. As to why different companies charge differing amounts..say Direct Line in your neighbourhood has had to pay out on 5 claims in the last year. Then say Axa haven't had to pay out on any there. Given that insurance is built literally on risk and likelihood...Direct Line are clearly going to assess your neighbourhood as higher risk and charge more. Companies also have desirable customers and charge more for non-desirable ones to essentially say "We're not for you" if they're extremely risk averse. Some companies will not want ANY accidents and points in the last 5 years. There's always a reason why prices are different. They aren't going to turn down a customer for no reason. It's all built on how often things HAVE happened, prompting how often things WILL happen as an estimate. I'd also check that everything is like for like as very few policies are - it might be something as small as free baby seat carrier replacement after any bump no matter how small or excess protection, or allowing you to earn 9 years No Claims vs only 5 but there are almost always differences unless the underwriter is the same. Sheila's Wheel's for example are owned by Esure - the policy is the same except they offer handbag cover (and now manbag cover) as standard. I've seen many like-for-like policies where the mileage is massively different, for example. I'm not an underwriter any more but I bet a LOT of people forgot to reassess their mileage during lockdown, paying for cover they don't need. If your car drives 10,000 miles a year, you're obviously more likely to have an accident than someone who does 3,000 just through time on the road. Conversely a VERY low mileage of 0-1000 is also bad as it's deemed too low for you not to be rusty - a lot of accidents are caused by people who barely drive. 2-3 thousand is the sweet spot. Car on a drive, not a garage as people think (people tend to have accidents getting into the garage). Kept at your postcode, not farther away. It's a complicated business but one not as greedy as people believe - it's heavily regulated and to earn your 5 star Defaqto Rating...it's not easy. Very easy to get cheap insurance. Getting good insurance? A different matter. I didn't know a quarter of this before working in the industry and thought the same as you but having literally sat down with pages of stats to determine prices and cover...it's not as cut and dry as all that. At least not in the UK, I understand the US and some other places are still very much the wild west!
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Post by Timelord007 on Aug 6, 2021 8:19:02 GMT
Got £100 pound knocked off car insurance, like for like. Utterly preposterous how one company charges £100 more for the same policy. Having previously been an underwriter, in an industry that gets much maligned - it really isn't. When the same company is cheaper at new business through price comparison sites than on renewal, it's because those sites subsidize the first year so they get commission. Compare The Market, GoCompare etc aren't working for free. So you're offered cheaper insurance than the policy is really worth. It's why insurers only make money on renewals, not new business as a rule. Then there's usually a bit of discretion for discount if you've been with a company claims free on top of your No Claims. Fraud claims have gone through the roof over the past decade adding about £50 to every policy. That's trebled since 2011. So the next time you hear someone say "just put in for whiplash" - they're adding to YOUR policy. Also the Tories have more than doubled insurance premium tax. 5% of your policy was tax in 2011...now 12%. As to why different companies charge differing amounts..say Direct Line in your neighbourhood has had to pay out on 5 claims in the last year. Then say Axa haven't had to pay out on any there. Given that insurance is built literally on risk and likelihood...Direct Line are clearly going to assess your neighbourhood as higher risk and charge more. Companies also have desirable customers and charge more for non-desirable ones to essentially say "We're not for you" if they're extremely risk averse. Some companies will not want ANY accidents and points in the last 5 years. There's always a reason why prices are different. They aren't going to turn down a customer for no reason. It's all built on how often things HAVE happened, prompting how often things WILL happen as an estimate. I'd also check that everything is like for like as very few policies are - it might be something as small as free baby seat carrier replacement after any bump no matter how small or excess protection, or allowing you to earn 9 years No Claims vs only 5 but there are almost always differences unless the underwriter is the same. Sheila's Wheel's for example are owned by Esure - the policy is the same except they offer handbag cover (and now manbag cover) as standard. I've seen many like-for-like policies where the mileage is massively different, for example. I'm not an underwriter any more but I bet a LOT of people forgot to reassess their mileage during lockdown, paying for cover they don't need. If your car drives 10,000 miles a year, you're obviously more likely to have an accident than someone who does 3,000 just through time on the road. Conversely a VERY low mileage of 0-1000 is also bad as it's deemed too low for you not to be rusty - a lot of accidents are caused by people who barely drive. 2-3 thousand is the sweet spot. Car on a drive, not a garage as people think (people tend to have accidents getting into the garage). Kept at your postcode, not farther away. It's a complicated business but one not as greedy as people believe - it's heavily regulated and to earn your 5 star Defaqto Rating...it's not easy. Very easy to get cheap insurance. Getting good insurance? A different matter. I didn't know a quarter of this before working in the industry and thought the same as you but having literally sat down with pages of stats to determine prices and cover...it's not as cut and dry as all that. At least not in the UK, I understand the US and some other places are still very much the wild west! Yeah it 5 star Defaqto rated, like for like, what's hilarious was my previous insurer said in a letter you been with us quite a while & may get a cheaper quote elsewhere!!! Bizarre. That like Big Finish saying buy our products from Amazon & not directly from us.
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Post by Deleted on Aug 6, 2021 8:29:41 GMT
Having previously been an underwriter, in an industry that gets much maligned - it really isn't. When the same company is cheaper at new business through price comparison sites than on renewal, it's because those sites subsidize the first year so they get commission. Compare The Market, GoCompare etc aren't working for free. So you're offered cheaper insurance than the policy is really worth. It's why insurers only make money on renewals, not new business as a rule. Then there's usually a bit of discretion for discount if you've been with a company claims free on top of your No Claims. Fraud claims have gone through the roof over the past decade adding about £50 to every policy. That's trebled since 2011. So the next time you hear someone say "just put in for whiplash" - they're adding to YOUR policy. Also the Tories have more than doubled insurance premium tax. 5% of your policy was tax in 2011...now 12%. As to why different companies charge differing amounts..say Direct Line in your neighbourhood has had to pay out on 5 claims in the last year. Then say Axa haven't had to pay out on any there. Given that insurance is built literally on risk and likelihood...Direct Line are clearly going to assess your neighbourhood as higher risk and charge more. Companies also have desirable customers and charge more for non-desirable ones to essentially say "We're not for you" if they're extremely risk averse. Some companies will not want ANY accidents and points in the last 5 years. There's always a reason why prices are different. They aren't going to turn down a customer for no reason. It's all built on how often things HAVE happened, prompting how often things WILL happen as an estimate. I'd also check that everything is like for like as very few policies are - it might be something as small as free baby seat carrier replacement after any bump no matter how small or excess protection, or allowing you to earn 9 years No Claims vs only 5 but there are almost always differences unless the underwriter is the same. Sheila's Wheel's for example are owned by Esure - the policy is the same except they offer handbag cover (and now manbag cover) as standard. I've seen many like-for-like policies where the mileage is massively different, for example. I'm not an underwriter any more but I bet a LOT of people forgot to reassess their mileage during lockdown, paying for cover they don't need. If your car drives 10,000 miles a year, you're obviously more likely to have an accident than someone who does 3,000 just through time on the road. Conversely a VERY low mileage of 0-1000 is also bad as it's deemed too low for you not to be rusty - a lot of accidents are caused by people who barely drive. 2-3 thousand is the sweet spot. Car on a drive, not a garage as people think (people tend to have accidents getting into the garage). Kept at your postcode, not farther away. It's a complicated business but one not as greedy as people believe - it's heavily regulated and to earn your 5 star Defaqto Rating...it's not easy. Very easy to get cheap insurance. Getting good insurance? A different matter. I didn't know a quarter of this before working in the industry and thought the same as you but having literally sat down with pages of stats to determine prices and cover...it's not as cut and dry as all that. At least not in the UK, I understand the US and some other places are still very much the wild west! Yeah it 5 star Defaqto rated, like for like, what's hilarious was my previous insurer said in a letter you been with us quite a while & may get a cheaper quote elsewhere!!! Bizarre. That like Big Finish saying buy our products from Amazon & not directly from us. It's a legal requirement they say that on the renewal letter I know it's all kinda upside down seeming but essentially it's the Government (and this isn't a dig at the Tories, Labour didn't either) who need clearer rules on renewals, price rises etc. All insurers are regulated as I said but the price comparison websites throw everything off. SO you'll hear "You were cheaper online..." when...actually - Compare The Market buying a policy on your behalf were, for example. And, like any economy of scale, they get bulk discount which they pass on making the actual insurer look bad when really it's the comparison site's subsidy making it cheaper. Don't get me wrong, from memory something like 75% Like For Likes were when the policyholder made a mistake, and almost always because they hadn't read the renewal terms. Things do need tidied up, for sure, but it's not as nefarious as it seems - that's why insurers HAVE to tell you to go online as you may find it cheaper. BTW, Eureka/Masters Of Cinema who I know you've got some Jackie Chan from - they almost always tell you to go to Amazon, and hold all their big sales there. That one does confuse me. I've no idea why they wouldn't want direct sales! How did your tests go?
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Post by Deleted on Aug 6, 2021 8:49:47 GMT
We had the funeral today.
Unfortunately, half of us couldn't be present ourselves due to lockdown, but we had quite a nice setup arranged in the living room. Organised as best as we could. Someone sent us an anonymous bouquet of flowers, which helped establish what atmosphere we could, under the circumstances. I think everyone did extremely well. It's difficult to summarise a human being's entire existence -- nearly a century's worth of existence -- in a single hour, but they hit many of the important points. No one faltered to the point where the words were irrecoverable. No sentiment lost. Indomitable was the word my father used in his eulogy. An indomitable spirit, as indeed she was. Right until the very end.
As now, we've said farewell to the body, there is now her memory. To be lingering for quite a long while yet. At least our lifetimes. All in all, the experience was rather cathartic. I think that went well.
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Post by aussiedoctorwhofan on Aug 6, 2021 10:56:29 GMT
The current Aussie "lockdown rules"..
You can't have 10 people in your house (yet you can work in an office building with 100+ people like I do).. yet the Aussie rules football is still going ahead (capped at 15K ppl in a closed stadium).
Football rules $upreme$ in this country...
:-(
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Post by The Brigadier on Aug 6, 2021 11:29:07 GMT
Day made.. from a collecting point of view. While Sapphire and Steel on audio CD remain frustratingly out of my price range (in other words I'm not prepared to pay the sort of outrageous prices being asked for / the CDs sell for), another audio series I have hazy memories of watching on the telly about eleventy billion years ago has proved somewhat easier to find. Well..almost. It's taken nine months of searching the online second hand market / online charity shops to find nearly all of them and today I finally managed to pick up a copy of "The Power Of Fear", the twenty first of the twenty two CDs that make up the entirety of Big Finish's The Tomorrow People range. The twenty second and the only other one I need for a full complete set - "Rachel" - is however proving as elusive to find as a needle in a haystack... I finally found the needle this morning..🥳 ...and for significantly less than the £75 being asked for on Amazon UK's second hand market.. ...and five minutes after that I had what I considered a reasonable offer on a Sapphire and Steel CD on Ebay accepted. Four down, eleven to go. In the grand scheme of things it's pretty minor, but from a collector's point of view? Day most definitely made...😊
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Post by The Brigadier on Aug 6, 2021 12:25:33 GMT
I’m thinking about taking a break from forum after today, I just feel too upset and heartbroken to discuss DW thinking that I may never see my favorite Doctor again😞 I feel extremely stupid and embarrassed to be this upset when people have much worse things going on than me. I guess it hits really hard because of how much Peter and his Doctor helped me through difficult times in my life and how it’s a dream of mine to write for him if he ever came to BF ( I even took two writing courses just so I could learn how properly). I am try to combat those feelings but that interview just took out all the joy out of me for being a Whovian. I even don’t like looking at my beautiful room will all the lovely young 12 and Clara artwork because it just reminds me of all the stories I will never get to write for him. I don’t understand how Peter couldn’t see how special he and his Doctor is to people and it breaks my heart that he doesn’t see what him coming back means to people. I want to feel joy and happiness about DW and 12 again and I hope Peter changes his mind. Right now I just feel numb. I don’t know how long of a break I will take after today it could be a few days, a week or a month. I'm sorry timegirl, I've only just seen this post thanks to a quirk in the Forum taking me back several pages after posting. I can only hope that you might see what I am about to say at some point. It's very difficult when your dreams feel like they've been cruelly dashed on the rocks so I totally understand why you feel the joy has been taken out of your life right now. But as I keep telling you, cling on to hope and cling on to it tightly. Things change, people change and attitudes to certain things change. As others have pointed out on the Forum both Tom Baker and Christopher Eccleston changed their minds on playing the Doctor again, so there is always an outside chance that Peter Capaldi might change his mind too. But until that day comes perhaps the way to move forward is to adapt your dream - from one of writing for him into one of writing about him in appreciation of what he has done for you. I once suggested to you that you create your own universe around twelve and Clara..so perhaps you should do it. Tell those stories you have rattling around in your head, tweak the stories that have already been told about twelve by others, create an Unbound universe of your own ideas. If I can even make a suggestion... perhaps you could write a story of a young American woman going through difficult times who finds inspiration in the Legends of a man known only as "The Doctor"... You have an active imagination. We all know that. Please don't let one setback permanently cap that. And perhaps one day you'll come back and share them.
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Post by Timelord007 on Aug 6, 2021 12:34:35 GMT
High blood pressure, high cholesterol & type 2 diabetic so i am now going be on tablets.
Never rains but it pours, least not insulin dependant like my dad which is a good thing just a huge shock.
Apparently my dad's passing could triggered this which is strange because my grandads passing triggered my dads.
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Post by Deleted on Aug 6, 2021 12:45:47 GMT
I’m thinking about taking a break from forum after today, I just feel too upset and heartbroken to discuss DW thinking that I may never see my favorite Doctor again😞 I feel extremely stupid and embarrassed to be this upset when people have much worse things going on than me. I guess it hits really hard because of how much Peter and his Doctor helped me through difficult times in my life and how it’s a dream of mine to write for him if he ever came to BF ( I even took two writing courses just so I could learn how properly). I am try to combat those feelings but that interview just took out all the joy out of me for being a Whovian. I even don’t like looking at my beautiful room will all the lovely young 12 and Clara artwork because it just reminds me of all the stories I will never get to write for him. I don’t understand how Peter couldn’t see how special he and his Doctor is to people and it breaks my heart that he doesn’t see what him coming back means to people. I want to feel joy and happiness about DW and 12 again and I hope Peter changes his mind. Right now I just feel numb. I don’t know how long of a break I will take after today it could be a few days, a week or a month. I have also just seen this too but yeah take as much time as you need but i really hope you come back soon, your always just a ray of sunshine that i really appreciate in the forum and in my day. Here to talk whenever x
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Post by Timelord007 on Aug 6, 2021 13:33:11 GMT
Yeah it 5 star Defaqto rated, like for like, what's hilarious was my previous insurer said in a letter you been with us quite a while & may get a cheaper quote elsewhere!!! Bizarre. That like Big Finish saying buy our products from Amazon & not directly from us. It's a legal requirement they say that on the renewal letter I know it's all kinda upside down seeming but essentially it's the Government (and this isn't a dig at the Tories, Labour didn't either) who need clearer rules on renewals, price rises etc. All insurers are regulated as I said but the price comparison websites throw everything off. SO you'll hear "You were cheaper online..." when...actually - Compare The Market buying a policy on your behalf were, for example. And, like any economy of scale, they get bulk discount which they pass on making the actual insurer look bad when really it's the comparison site's subsidy making it cheaper. Don't get me wrong, from memory something like 75% Like For Likes were when the policyholder made a mistake, and almost always because they hadn't read the renewal terms. Things do need tidied up, for sure, but it's not as nefarious as it seems - that's why insurers HAVE to tell you to go online as you may find it cheaper. BTW, Eureka/Masters Of Cinema who I know you've got some Jackie Chan from - they almost always tell you to go to Amazon, and hold all their big sales there. That one does confuse me. I've no idea why they wouldn't want direct sales! How did your tests go? Got every JC release except Armour Of God & Thunderbolt, just had Sammo Hung Millionares Express blu ray arrive with 4 cuts of the movie. High blood pressure & cholesterol & type 2 diabetic, take me too the knackers yard.
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Post by tuigirl on Aug 6, 2021 16:40:09 GMT
The current Aussie "lockdown rules".. You can't have 10 people in your house (yet you can work in an office building with 100+ people like I do).. yet the Aussie rules football is still going ahead (capped at 15K ppl in a closed stadium). Football rules $upreme$ in this country... :-( Right, so you are basically repeating the mistakes everybody else made? Humanity is doomed. I think of this video in great migrations where all the wildebeest run into the river, crocs taking them out left right and centre, but still they keep on coming....
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Post by johnhurtdoctor on Aug 6, 2021 17:35:40 GMT
The current Aussie "lockdown rules".. You can't have 10 people in your house (yet you can work in an office building with 100+ people like I do).. yet the Aussie rules football is still going ahead (capped at 15K ppl in a closed stadium). Football rules $upreme$ in this country... :-( Right, so you are basically repeating the mistakes everybody else made? Humanity is doomed. I think of this video in great migrations where all the wildebeest run into the river, crocs taking them out left right and centre, but still they keep on coming....
I'm a croc not a wildebeest.
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Post by johnhurtdoctor on Aug 6, 2021 18:13:08 GMT
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