October 17, 2011

October Randomness

Fall is here and it makes me happy. Last week, I walked outside and said to Mr. T, "Fall is here... I can smell it."

Even in South Florida, you can tell when Fall has arrived. We don't have changing leaves or anything visual that will cue you, but the air smells crisper and the silence sounds different.

It's supposed to be cool on Friday. Cool for us is a high of 77 with a low of 63. I'm beside myself, wondering if I'm going to be able to wear a sweat shirt to the high school football game!

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All the insurance companies in South Florida are reassessing our homes. My husband and I are gritting our teeth.

Five years ago, after the hurricanes, my insurance was raised to ... hold your breath... wait... TWELVE THOUSAND DOLLARS A YEAR.

We couldn't afford it, I freaked, paid an inspector and raised my deductible to 10% of the value of my home should the cause be a named storm. So my deductible is $1000, but my hurricane insurance is 10% of the value of my home. That brought it down to SIX. Thousand. Right.

Two years ago I got them to lower the value of my home, I felt they were insuring my property. That brought me down to $4000 per year.

Nobody I worked with seemed to be having these issues. Until... this month.

Every person I work with has had a $2000 jump in their insurance, bringing it in line with mine, and they've all had to up their deductible for hurricanes to 10% of the value of their home.

It is CRAZY. I think my insurance company was just ahead of it's time.

An inspector came out today and said to me, "We're just checking to make sure that everyone has what they say they have to get the deductables they're receiving. You're good."

Deep down I do wonder if this is another excuse to jack up our insurance. It really is sick. It's one of the reasons why when my husband retires... S. FL will no longer be my home. I don't know how people who are retired afford to live down here.

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We really need Bones to pass Science. It's the little things.

The kid has not passed ONE Science test. Not one. My husband, finally fed up, got hold of the teacher. The tests are completely jacked up.

We looked at his grades. For a kid that hasn't passed one test, he has a C+. There is apparently one helluva curve on his tests. I'm not sure that makes this guy a very good Science teacher.

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On a quick political note... WTF are we doing in Uganda? Why are we sending boots to such a hopeless place. What is up with that?

Travel back to... 1974. We were living in Washington DC and I was 9 years old. My folks got the Washington Post and I sat down and read some article on Idi Amin.

I was horrified by what I'd read, absolutely aghast. I hadn't even heard of the Holocaust yet. I didn't learn of that until the next year. Everyone else in my class may have been surprised of the horrors man was capable of after hearing of the Nazis, but I was probably the least since... after all just a couple years before I'd read of Idi Amin.

That place has been a hell hole... for my entire life. Really? President Hopey Changey is sending our troops there? Really?

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On a funny note, it is Homecoming at the high school of my two older boys. This conversation happened in my car:

Ringo: I have to dress... 70s. So we're going as greasers. I need to borrow Dad's leather jacket.

Me: That's not 70s.

Ringo: We're going for late 60s.

Me: That's not late 60s. That's... 50s.

Ringo: Well, 70s looks dumb. We're not doing that. I can't believe people dressed like that.

Me: It was bad.

Ringo: You know what else I hate? The style where girls wore their jeans right here *pointing to the top of his waist*

Me: Wait. That's just like 5 years ago.

Ringo: Yeah, the kids who have to dress in the 80s wear their jeans there.

Me: No. No. That's just recent. Nobody started wearing this low slung stuff until 5 years ago...

Ringo: I hate that.

Me: But... I STILL have jeans like that!

Ringo, shaking his head: I know. I hate them...

Good grief. He thinks old style is wearing jeans on your waist? Where they were MEANT to be?!

Posted by Boudicca at October 17, 2011 09:11 PM
Comments

I'm confused. Where is it he thinks pants are supposed to be worn?

Posted by: Andrew Phule at October 18, 2011 12:06 AM

Fall is my favorite season, so I'm excited about the cool front as well. :)

Let's not talk about home insurance. It's both a blessing and a curse that our home has fallen in value to a third of what we paid...

The 70's were horrible! I remember wearing PLAID hip-hugger bell-bottoms! LOL!

Posted by: pam at October 18, 2011 08:06 AM

High temps this week will only reach 60 degrees, furnance has been on for a week now. I hate you.

My city is sending out assessors to make sure what you say you have on your property is really what is on your property. Like if you didn't report you built a deck, etc they want to make sure your taxes reflect that. So property taxes will be going up now, although ours shouldn't because we always pulled the permits.

Wait until your son finds out when hip huggers (what is refered to now as todays jeans) really were invented.

Posted by: Quality Weenie at October 18, 2011 11:21 AM

Well, in my neck of the woods, fall in is in the air. It's been the low 40's or high 30's at night, and low to mid 60's during the day. I've broken out my sweaters. Cool and crisp...I have no problem with it.

I know what you mean about home insurance. The housing market has basically collapsed, both residential and commercial, and that is making insurance take a hit. I know many people who put bread on the table selling or leasing residential or commercial real estate. They're in big trouble. The people I know who are in the insurance business are doing whatever they can to survive. It doesn't look good. It's a mess. I do high end *nix network and SQL relational database stuff, and it's getting hit hard. The private sector is not doing any new development...they're just trying to hang on to what they have. The business owners, I know, have no idea in which direction this country is going. I have many friends that have children graduating from college. They can't find a job. They go back to school and get a Masters...they can't find a job, but many have huge student loans they'll never pay off. Troubled times ahead.

Anyway, one of my best friends is a DDS, and his business is way off. This bad economy is tricking down and sideways to everyone at all levels.

I know a person who had his house on the market for the last four or five years for 400 grand. He just sold it for 150, but at least he sold it. Took a bath, but he got rid of it, and that is what he needed to do. He's one of the lucky ones.

Wear a sweatshirt, you can always take it off. It's all about layers.

Posted by: Yabu at October 20, 2011 01:31 PM

Move to the Midwest. I don't know why all our "snowbirds" move to FL for retirement, but there are no hurricanes in WI & I pay under $400/year for $135,000 of homeowners insurance w/ a $1000 deductible. Hail & (comparatively) minor wind damage are the worst most of us see. We replaced our very, very old roof last year (hail damage), then half of it again this year when a poorly-rooted 60ft pine fell on it. But now that there are no more tall trees next to the house, our 30-yr asphalt shingles should last 30 years.

Granted, it's only 50 degrees here right now & I've been wearing knee socks, sweaters, and fingerless gloves for weeks... but the fall color is amazing! And there's something about the small of crisp leaves, wood fires, and hot apple cider... But personally, I don't know how you all can stand the heat and humidity! I don't have central air, and only ran my window AC unit for 4 weeks this year.

Posted by: MonicaC at October 22, 2011 12:04 PM