Annual Insurance Review: S. Claus

                                      

 

 

 

                                    RV Insurance Agency                                Agent:  P. S.

Prep notes for annual insurance review                                             Date:  12/6/10

Client:  Mr. & Mrs. Santa Claus (nickname Kris)   
AddressNorth Pole (get Mapquest for inspector)
Client rating (naughty, nice, preferred):  Preferred

List of assets to be covered:

 12 drummers drumming (needs musical instrument floater – rate higher if used professionally)

11 pipers piping (pipes excluded for breakage, but resultant damage covered unless house is vacant)

10 lords a-leaping (check for trampoline – automatic HO cancel!)

9 ladies dancing  (Jazzercise?  Home business exposure?  Add liability rider)

8 maids a-milking (outbuildings used for business excluded on HO -check age of barn for rider)

7 swans a-swimming (pool?  Verify yard is fully fenced)

6 geese a-laying (needs Farm-mate policy – determine limit per goose and total value of gaggle)

5 gold rings ($1000 theft limit on jewelry, no mysterious disappearance.  Recommend personal property floater – get appraisals)

4 calling birds (bird droppings on personal property only covered under comprehensive perils form – upgrade to HO-5)

3 French hens (remind that auto liability does not respond in France. Recommend umbrella policy for worldwide coverage)

2 turtle doves (no coverage for pets under HO)

1 partridge in a pear tree (limited tree coverage: $500 per loss due to direct lightning strike. Not covered for wind unless pear tree falls on covered property i.e. garage, patio furniture, 9 ft. lighted plastic Frosty)

Notes:
– Check current life and disability policies (will UNUM consider class 4 with up-on-the-rooftop exposure? Check definition of disability – own occ., or any occupation i.e. department store Santa?)

– Recommend long-term care.  Elves not covered caregivers unless licensed by Medicare. Verify date of birth for quote.  Rating software does not recognize age given: as old as my tongue and older than my teeth.

-Ask to quote business exposure (currently w/Gallagher):
              Commercial package for toy factory
              Commercial  auto (check policy definitions: reindeer-powered vehicles qualify as auto?)
             Workers comp (verify experience mod.  Claim history shows frequency w/hammered thumb incidents. Also severity issues: 2008 permanent partial settlement for vocal cord polyps caused by excessive carolling & ho-hoing)
             Reindeer coverage (classify as employees under workers comp? business personal property? livestock floater?)

Mrs. says this is “crunch time” at work for hubby. Have Chris schedule appt after holidays.

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Why I Wish I Were An Insect, Temporarily

Me as a fly

A fly’s life doesn’t have much to recommend it.  After all, fine dining for flies involves stuff you scrape off your shoes, and they only live about 24 hours.  Nonetheless, the other day I wished I were a fly…on the wall.

A small group of people was standing around talking as I walked by.   I did not know them.  As I passed, I heard one of them mention a name I DID know.  It was not a common last name like Smith or Jones.  It was distinctive.  In a town of approx 30,000, it’s hard to mistake a distinctive name like that.

To preserve anonymity, let’s say the name was Googenschlaker.   (Props to my mom.  For my whole life, her go-to name for an unknown person was Anastasia Googenschlaker.)

The reason my ears perked up was because Anastasia Googenschlaker* is someone I do not like. 

I am a relatively nice person.  Ask anyone who knows me.  Kind to animals, children and old people, I try to live by the Golden Rule. 

But Anastasia (as we are calling her) is one of the few people on this earth I dislike.  Rather intensely.

I wondered what they were saying.   Normally I would resort to a time-honored information-gathering technique like faking an untied shoe.   Stop, drop and eavesdrop.  (For those who are under 25, eavesdropping is the real-life equivalent of creeping someone’s Facebook page.)  But I had already walked past them before the name registered.  

I risked a glance over my shoulder to reassess the group. Nope – didn’t know them.  Were they co-workers?  Friends?  Enemies?  Were they talking about Anastasia or another family member?

Not my business, but I burned to know.   Did the bank foreclose on the Googenschlaker’s home?  Had Anastasia gained 80 pounds?   Was she arrested for stealing the church building funds?  Did her husband leave her for a 20-year old floozy?  Could be any one of a hundred possible calamities!

OK, I’m not proud of this side of me.  But it’s a slimy, sleazy little bit of human nature that we all share.   Who doesn’t delight in the misfortunes of people we don’t like?  (Nothing too bad, though, like ill health.)  We curse if they enjoy good fortune.  You definitely don’t want somebody you hate winning the lottery or getting on Oprah’s Favorite Things show.

I’m not actively wishing that something bad happens to Anastasia Googenschlaker (this is an alias).  But if it does, I want to know about it.   

I guess I’ll never know why an unknown group of people was discussing an unknown Googenschlaker.  And that’s ok.  I’m not going to lower myself to fantasizing about their misfortunes, even though I know that’s what Anastasia would do in my place.

Besides, if it’s really juicy, it will be in the newspaper eventually.  I’ll keep my eyes open.

* Not her real name.

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Stop the Presses!

All there in black and white..

I got published! I can’t believe it. This is so exciting, I just had to share!

Here’s how the whole, thrilling situation came to pass.

Jan, the sales rep for our local newspaper, was in my office a few months ago. We were discussing the paper.   I mentioned one writer whose column I thought was lame.  I said, with a laugh, “I could write a better column.”

As soon as I said it, it struck me that it was true. I screwed up my courage. Heart pounding, trying to sound casual, I said, “I actually do write. Would the paper be interested in a new column?”

Jan told me to send her some of my stuff and she’d pass it on. She was probably just being polite.  I was dead serious.

I sent off a piece about our kids going off to college (Bye-Bye Baby – you can check out my blog version in the August 2010 archive). A couple of weeks later I got a call from one of the editors. They liked Bye-Bye Baby and wanted to use it!

Before I got my hopes up too high, the editor said they didn’t have a slot for a regular columnist at the paper right then. They thought my work would appeal to the readers of their new, specialty magazine. Boomerz Today is a quarterly magazine targeting; you guessed it, baby boomers.  (No online version, sorry!)

At about 10,000 households it’s not Oprah magazine, but it’s a start. And it’s a regular column!

The editor explained what they wanted as far as topics and guidelines. At the end of our conversation I tentatively asked, “Do I get paid for this?”

She laughed.

It was kind of embarrassing.  I backpedaled quickly, “No, no, that’s fine.  I’m just thrilled to get published!”

Jan called on me again in my role as business owner to discuss advertising in the new magazine. Without revenue the venture would not succeed. My quarterly column would disappear. I took out a full color ad for $169.

I worked to polish the piece and sent it in to my editor before deadline. Just like a real columnist!

I was bursting with pride when I showed the first issue to my husband, Bill. “What are they paying you?” he asked, immediately getting to the heart of the matter.

“Well, actually not anything EXACTLY along the lines of monetary compensation, per se…” I mumbled. Not a word of criticism did he utter, but his eyebrows went up in that “Oh, really?” look.

I shuffled my feet and rambled on about exposure, getting published being reward enough, paying my dues, and a bunch of other crap that sounded defensive even to me. My happy bubble had been pricked.

Looking at it objectively, I have to ask myself; how is this such a great deal for me? I am putting in hours of labor to write these columns. Being funny is work – don’t let anybody kid you. I hone each piece to a razor-sharp blade of folksy humor, and then I’m supposed to just give it away?

The military industrial complex that owns the media gets rich off the sweat of my brow. The poor, downtrodden worker gets zippity-do-dah. In fact, I am paying THEM $169!  Per issue!

Never mind.

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I Love Me Some Oprah!

While everyone else was busy with holiday merriment, I was writing another note to Oprah.

Work, work, work, work, work!

Dear Oprah,

Hi, it’s me again.  Just a reminder of why Oprah Magazine needs my blog. Check out today’s entry at  https://pegoleg.wordpress.com/.   I think you’ll like it.

We should team up. Separately, I’m just Peg, a voice crying in the wilderness. You’re just Oprah, head of a mighty empire. But together, we’re Peg and Oprah. Doesn’t that have a nice ring to it – both names in the same sentence?

We complement one another. I’ve got the approachable, humorous writing style, and you’ve got everything else. Namely the brains, business acumen, audience, and resources.

Such resources as your computer-savvy minions.   They would be a big help with a number of little problems I’ve been having.

1) They could probably figure out how to upload my profile picture so it shows all of my face. I end up with a super close-up of my nose that fills the screen like a picture of the dark side of the moon.

2) They can get me hooked up with Facebook, Tweety, and all the other social media.

3) And they can figure out which button you have to click on to make money from this blogging business. Because I have looked everywhere and can’t find it.

I’m ready to live my best life. We could do it together. You and me, Oprah.

 Happy Thanksgiving!

The question to ask yourself is: Did I do all I could to bring Peg and Oprah together?  Did I write the Oprah Magazine at  (https://www.oprah.com/ownshow/plug_form.html?plug_id=505. ) to suggest that she hire Peg as a blogger?  Hmmm?

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Time Machine Discovered. Build Me Up Buttercup Involved.

Time Machine

I have discovered the secret to time travel.

I was in a store the other day when the radio played Build Me Up Buttercup by The Foundations.  I sang along reflexively.  I wasn’t alone.  I could hear a guy 2 aisles over, faintly but clearly, “da-dum, da-dum, da-dum, da-dum, WAH do you…” 

Build Me Up Buttercup is not an important song, musically.  It’s actually pretty lame.  Doesn’t matter.  When I heard that song, I was 9 years old again.  I was up in my bedroom, listening to the top-40 on my sister’s transistor, singing at the top of my lungs.   

Music is a time machine. 

Certain songs have the power to instantly transport us back to points in our own histories.  It is immaterial whether the music is good or bad.   What matters are the associations in our memories.

If I hear What’s Going On by Marvin Gaye, I have to sing along.  Passionately.  My middle-aged, white, establishment self may be scrubbing pots at the kitchen sink, but in my heart I am 12, looking for something to protest.  Right on, brother!

The most powerful songs are those we learn during puberty.  Something about all the growth and hormonal upheaval going on allows the music to become hardwired into our DNA.   It is a time for discovering your music, and it is magic.

When I am old and senile, drooling in my chair in the nursing home, unable to even remember my own name, I will still know all the words to Stairway to Heaven.  When it plays, I will leave my body.  It will be 7th grade again, and I will be playing spin the bottle in Keith O’Brien’s basement.  My first kiss. 

On my deathbed, moments away from meeting My Maker, if someone plays In-A-Gadda-Da-Vida (Iron Butterfly, my first album, thanks sis), I will get to my feet. 

Then I will stand around, and shuffle awkwardly like we used to do at high school dances.   Because you never could dance to that sort of music.  And if a really long drum solo came on, like on In-A-Gadda-Da-Vida, you were stuck.  Out on the dance floor without any dance music.   After a while you’d give up and walk off the floor.

If the song is Roundabout by Yes, it would tear the veil of death.   I do believe it would bring me back. Even after I have passed on, I will rise!

But that would be a limited time thing.  Probably wouldn’t work after I’m embalmed.  And it would only last for the duration of the song.  Then it’s right back to dead.

What is your ticket to ride the time machine?

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No-Shave November

When No-Shave November has gone too far

My sister told me her 17 year-old son, Andy, looks like a scruffy lion these days.  He says he is observing No-Shave November.  I had to laugh, admiring his creativity.  I mentioned this to my daughter, Gwen, and she said she is also observing No-Shave November.  Apparently this is a bon-a-fide phenomenon.

This got me thinking.  Congress has wasted plenty of time establishing such useless things as National Yo-yo Manufacturers Month.  We could get them working on really meaningful observances.  There are a lot of things I don’t want to do.  And there are lots more things that I would like to do.   Our year could look something like this:

Junk-the-Jumping-Jacks January:  All categories of exercise are included in the ban.  This is a natural progression after the holidays.   If all the skinny and buff people are forced to give up exercise for one month, the rest of us won’t look so bad by comparison. 

Financial-Worry-Free February:  A whole month without stressing about the almighty dollar.  Credit card companies will have to give everyone a month, interest free, without bugging us about those lingering Christmas bills.

Mom’s-Movie March:  Mom gets control of the remote, and can watch whatever she wants on TV.  Some men will have to have their twitching right hands tied down to keep from grabbing the remote and turning away from all the made-for-TV chick-flicks.  Viewer ship at HGTV will skyrocket. 

April: ???

Moratorium-On-the-Majors May:  Remember when each sport had its own season?   Let’s try to go one month without major league baseball.   

Jewelry June:  It has been 6 long months since Christmas, and a girl needs some bling.  Husbands (and significant others) give gifts of jewelry to their special ladies every day this month.  No man?  No worries!  Treat yourself – you deserve it!

Just-Undies July:  This is not what you think, perverts.  I mean no laundry duties for the month of July.  Except underwear.  We don’t want to get too gross.

All-Novel August:  Everyone is encouraged to read as many thrillers, trashy romances and whodunits as possible, preferably stretched out on a hammock or beach towel.   Textbooks, and any other literature designed to improve the mind, are strictly forbidden.

Sleep-In September:  Sorry, boss.  I’ll be rolling in around 11 every day during September.  And I may not get out of bed at all on the weekend.

Only-Oprah October:  All TV stations will run Oprah 24/7.  Oprah’s magazine will be required reading in every classroom.   My blog, the latest addition to Oprah’s entertainment family, will be linked to every site on the internet.  (Shameless self-promotion and sucking-up to the Queen, I know)

This would dovetail nicely with:  Only-Sweets October:  We’ll have chocolate for breakfast, lunch and dinner.  Children will be punished for leaving gummi bears on their plate, and anyone found sneaking vegetables is subject to a fine.  The end of the month might need to be renamed Peptoctober.  Those with really severe digestive problems will end the month with Proctober.

No-Shave November:  As already mentioned.   I recommend women avoid sleeveless tops, unless they can do a pretty good German accent.

Diet-Free December:  Wait a minute.  We already observe this tradition.

Let’s get Congress working on this task as soon as possible.  That will distract them from messing up the country, at least for a little while.

****ALERT****

You may have noticed there is no entry for April.  I ran out of ideas and need some help.  Please submit your great idea by clicking on the Leave A Comment link below.  

Remember, there are no dumb ideas.  Well, actually there could be quite a few dumb ideas, but give it a shot anyway.

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Oprah, Oprah, Wherefore Art Thou, Oprah?

Sent a little love note to Oprah today:

Dear Oprah,

It’s me again, writing to encourage you to read my blog https://pegoleg.wordpress.com/

I know this has been a super busy time for you.  You must be running ragged, what with the end of your TV show, the launch of your new network, and the colonization of your own planet, Pluto. 

OK, there might be a little bit of exaggeration there.

Because everyone knows that Pluto was declassified from a full planet to a dwarf planet (it prefers to be called a little planet).

But rumor has it that the International Astronomical Union is going to reclassify PlutOprah (as it is now called) yet again.  What an amazing coincidence that new proof of PlutOprah’s planet-ness has come to light, just in time for your colonization project.  Boy, do you have good luck!

If you got to know me, I’m sure we would be great friends.

So please check out my blog at  https://pegoleg.wordpress.com/.  I’m sure you’ll discover that this is just the kind of blog with which Oprah Magazine wants to associate.  (Sometimes it’s awkward when you’re trying not to end a sentence with a preposition, eh?)

Regards

I hope Oprah isn’t annoyed that I spilled about the whole PlutOprah thing.  Hard to keep something like that a secret in the day of the 24-hour news cycle.

Please take a few moments out of your busy, hectic lives to urge Oprah to sponsor my blog.  Contact her on her magazine website

https://www.oprah.com/ownshow/plug_form.html?plug_id=505

Don’t do it for me – do it for you!  Once I’m famous you can say, “I read Peg BEFORE she was cool.  We’re like this (2 fingers, twisted together).”

Stay strong and do what’s right!

Peg

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Wanted: Cat Whisperer

Beeby

Our cat, Beeby, has “issues”. 

Bill and I moved the daybed in our home office out to the living room the other night.   All kinds of junk had been stored under there, including a couple of suitcases.  I piled it all up in the living room.  We were wrestling with the daybed wedged firmly in the doorway, when we heard a small noise.  Beeby was peeing on the suitcase.

Alas, we’ve been down this road before.

We know not to leave plastic bags on the wood dining room floor.  They are sure to be a target.   Last month I put up a sparkly, green curtain to hide the clutter in one of my bookcases.  I let the fabric puddle artfully on the wood floor.  Beeby puddled on the curtain.   Add shiny curtains to the no-no list.

I believe that a peaceful life with pets requires rigorous training and enforcing rules.   I’ve been trained not to put anything plastic-y, shiny or drapey on the wood floor.  By following the rules, I’m assured of a pee-free home.  Except at Christmas.

Beeby likes the Christmas tree.  She sits under it, peering through the plastic greenery and dreaming of being a jungle cat.   It’s the tree skirt that bothers her.  

I’ve washed it many times.   I’ve scrubbed the carpet.   I’ve switched the green side to red.   Doesn’t help.  No matter how vigilant I am, she finds a way to pee on the skirt at least once per season. 

I can never relax and enjoy the twinkling lights.  I’ve got to be the tree-police.   Of course we can’t put any presents under the tree. (Thanks for the PJs.  Why do they smell like that?)  Do I confine Beeby to the basement for a month?  Take off the skirt so she’ll pee on the carpet?  What to do? 

I’m sure it says something about me that I’m locked in this power struggle with my cat.  What does it mean that she is winning?

The latest incident with the suitcase doesn’t fit Beeby’s modus operandi.   It was fabric on carpet.  Now that the rules don’t apply, how do I live with this cat?  I’ve got to figure out why she does this.

Maybe Beeby is looking for attention.  This technique certainly gets mine.   Screamed promises to drop kick her into the next county may not be her goal, though.

Maybe this behavior is a reaction to change.  New objects in her world frighten or anger her, and she reacts with the golden shower.  So what.   Life is change.  She doesn’t think I have to deal with change?   Hell, our kids have abandoned us, but you don’t see me squatting on their beds!

If we keep everything off the floor, and don’t decorate for the holidays, we may be OK.  We just don’t have the funds right now to get the therapy Beeby so desperately needs. 

I’m hoping that we can hang on until 2012.   That’s when healthcare reform mandates our insurance will have to cover feline psychiatric care.

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Operation: Dear Oprah. The Saga Continues

The Campaign marches on.  I sent Oprah another little note,  presented below. 

Dear Oprah,

Hello, it’s me again.  You may remember that I wrote a few months ago.  I had hoped to hear from you, but I am not discouraged.  It occurs to me that you might not have even received my first email.  Perhaps a well-meaning, yet shortsighted, intern neglected to pass it on.

Here’s a recap of that first email.

1)      Message from God via Oprah

2)      Empty nest

3)      Soul searching

4)      Do what you love

5)      Would-be writer

6)      Oprah Magazine-worthy blog https://pegoleg.wordpress.com/

The blog gives a little background information about me, so I won’t go into detail here.  Suffice it to say, you and I have a lot in common:

YOU live in Illinois; I live in Illinois.

YOU struggle with weight and fitness issues; I struggle with weight and fitness issues.

YOU are a 50-something woman; I am a 50-something woman.

YOU are a gazillionaire; I struggle with weight and fitness issues.

We’re practically twins.

I present an Everywoman point of view that I think your readers would enjoy.   Won’t you consider sponsoring my blog on the Oprah Magazine website?

Please check it out at https://pegoleg.wordpress.com/.  Just a heads up – some of my blog fans (aka family members) may also be writing to encourage you to read my blog.

Sincerely & Respectfully,

I sent this to the same place that you’re just about to send your email plugging my blog, right?  Here’s the link https://www.oprah.com/ownshow/plug_form.html?plug_id=505

I’m sure we’re making progress.  The email-screening intern is getting intrigued.  About to bump this up the food-chain to an actual Oprah employee (soon to be fellow-employee).  I can feel it!

Stay strong, and thanks for your continued support.

Your sister in the struggle,

Peg

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Towels

Me at the Y. Sort of.

Note to self:  After blogging, be sure to totally switch into Normal World mode before venturing forth.

I worked on a blog entry before leaving the office for the YMCA the other day.  It was the first workday after the time change, and a Monday, to boot.   It’s depressing when it’s dark at 5 pm.  I was grumbling to myself as I walked into the building.

The Y’s lobby has a circular front desk.  One half of the sphere greets the outside world.  You swipe your membership card in the card reader at the 3 o’clock position, pass through the gate, and emerge around the back half of the desk sphere.  On its Formica surface, one (usually, hopefully) finds towels.

The towel situation is a bit of a crapshoot.  Sometimes you come around the bend of the desk to see a mountain of clean, white towels, waiting to be folded by the staff.  Sometimes the towels rise in neatly folded stacks.  And sometimes, there are no towels.

This happens quite frequently in the 5:15 time slot during which I invariably arrive.  I think everyone else is skipping out of work early, because often the parking lot is full and the towel counter, empty when I show up.

The thing is, the place is a steambath.

Scientists and environmentalists have worried for years about the rapid deforestation of the Amazon rainforest.  How thrilled they were to discover the ecosystem of the local Y exercise room exactly mirrors that of the rainforest.  They have been able to successfully transplant rare species of orchids and other plants that need that delicate balance of heat and moisture.  If the low hanging plants sometimes interfere with one’s workout, it is a small price to pay to save these precious resources.  The spider monkeys are a different story.

I try not to dwell on the fact that the heat is coming from the working bodies all around me, and the humidity is the evaporated sweat of all these strangers.  That I am breathing it in.  Recognizing this as one of those tipping points that could send you over into Howard Hughes-level germ phobia, I don’t think about it.

Suffice it to say, you need a towel here.

Today, as I swiped my card, I craned my neck to check the back desk.  Did I see white?  Yes!  But that is no guarantee.  I’ve seen towels from this vantage point before, only to have them snapped up by exercisers passing through the gate before me.  Or sweaty young boys sprinting up from the basketball court down the hall, grabbing the last towel before my aged legs can totter around the desk.

There is white on the desk, but not much.  It may not even qualify as a pile – more of a short stack.  There isn’t anyone entering in front of me, and those behind must follow me.   I’m passing through the gate now, my mind busy sifting through possibilities, plotting angles and velocities from the hallway.  I have a definite shot at this.

I navigate around the arc.  I reach, trying not to grab, trying not to show desperation.  My hand closes around one corner of a towel and I reel it in.  It is mine!

As the towel clears the desk I see only Formica underneath.   Lo and behold, I have snagged the last towel!

This is where the disconnect from Normal World comes in.

My hand continues its upward trajectory until I am holding the fluffy whiteness aloft, high above my head.  I actually throw my head back and laugh.  Not the “moo-hoo-wah-hoo-wah-hoo” creepy laugh mastered by my dad, and copied by Dr. Evil.   But a full-throated, community theater actors interpretation of Triumphant Laugh.  “ha ha ha.  HA HA HA!”

If the young woman working the desk were one of the high school Barbies these places usually employ, I would have been on the receiving end of one of two, stock looks.

1)      utter blank, bored, incomprehension

2)      “whatever”, eye-rolling disdain (underlain by bedrock of “I can’t believe my parents made me get a job to pay for tanning sessions.  And at the Y!  Sure, there are some cute guys, but mainly snotty kids and sweaty old people!”)

But the woman working today was a little older.  She got it.  She had the grace to laugh in return and said, “Sometimes it’s the little things.”

Too true.

post script:  I went through the weight machine part of the workout brandishing my towel in an obvious way, pressing it to my still-dry face.  Preening like our daughter Lizzy showing off her new, Lisa Frank rainbow folder on the first day of 2nd grade.

post post script:  I was up to speed and sweating after only a few minutes on the treadmill.  I reached for the towel hanging on the arm of the machine, only to discover it had fallen to the floor.   It was too far away to reach.   Its pristine whiteness was begrimed with Y dirt.  For the next 20 minutes I swiped my stinging eyes with my sleeve.

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