Message Forum

David,

I keep hearing Dems(Sen Warren and others) say "no one is above the law". This not include like Hilary and having a private e-mail server at home sor her official e-mails, Pres Clinton for lying under oath. I heard many Dems state that with the impeachment of Bill that the lying was private not related with his Office so it was OK.

04/03/23 10:15 AM

#27176

David,

Did you see that as of April 1st, we are now "testing" the new digital banking system? Supposedly it will be started in the US in July, and paper money will go obsolete. I was listening tp Monica Crowley tell of what she has learned about the whole phasing out of our usual banking system. Have you heard all the ramifications of how this will come to be? What Monica was saying was an eye-opener! She says we will have what Senator Warren wants, which is one central bank! Really?

Shouldn't we citizens be allowed to vote on this, dontcha' think?

Will we end up like the Canadian truck drivers, with our bank accounts being manipulated?

Would like your opinion, Dave, if you have a minute........

Hummingbirds are returning to our neighborhood, and are very hungry! (just didn't want to appear to be an dithering old 70 year old with nothing positive to say about our wonderful country, especially the wonderous state of Texas!) May God continue to help and guide us, as always........

Love is the key, ya'll! Little else matters.......

04/03/23 10:29 AM

#27177

David Weir,

I also have noticed the change on our TV programs.

Makes you long for the good old days and Dinah Shore singing, " See the USA, in your Chevrolet..."

We need to tolerate all, but we don't have to agree, right? Just please, don't get in our faces ......

Peace be with us everyday! We can do this, ya'll!

"I like the way you talk." (Did you ever hear that line in the movie SLINGBLADE, David?)

Hope your wife is faring well and staying happy with your steady helping hand. You are a gem, I can tell.

04/03/23 03:19 PM

#27178

David Wier

Janalu:

Thank you for your comments. I agree with you with all my heart. I hope I didn't sound too harsh in my comments, as this was not was not where I was aiming. It's just that these prolonged story lines and kissing scenes just seem to be a little too much sometime. Even the 911 Lone Star TV that has its roots in Austin,
TX goes overboard, as I see it. I like the general story line, but...well, never mind. That may be the next show I dump, although Lisa likes it because of Rob Lowe.....

04/03/23 04:52 PM

#27179

David Cordell

Janalu,

I don't anything about a change to all-digital currencies, but I suspect that we will see a digital US dollar in the not-too-distant future.

As I have mentioned, I have no interest in BitCoin or the like. I think they are crazy. However, a government sponsored version has possibilities.

We can all remember before there were ATMs and debit cards. Now we do everything online. The only checks we write are to the housekeeper, yardman, nail salon (that one's not for me!), that is, entities that deal in cash.

The best description of Elizabeth Warren I have heard is that she reminded someone of his first wife -- never a good compliment. She is a mean-spirited harpy, and I disagree with her on just about every issue.

04/03/23 04:56 PM

#27180

David Cordell

And now or today's bad news. I just totaled my car. I loved that car. I just have some bruising at the hip where the side air bag hit me. The other driver was stunned. She seems to have been pummeled by the steering wheel airbag.

I am sad.

04/03/23 08:52 PM

#27181

David,

Sorry to hear about the accident. You can look at it as God telling you to get a new or newer car. Haha.I don't believe God directs car accidents.

04/04/23 06:10 AM

#27182

David Wier

Speaking of airbags and pummeling -- (and, yes, I'm sorry about your car accident) it reminded me of that time that I was in Lubbock with my daughter, checking out Tech as a possible University for her. While we were gone, my wife had an accident. She had been told by a vet that our dog had cancer, so she was taking the dog for a second vet's opinion.

Where we live there is but one single street from our neighborhood to Belt Line. For the most part, it is fairly straight, from West to East. At that one point, where it's not straight, the dog got upset for some reason and she leaned over to pet him and took her eyes off the road for a moment. The next thing she remembered was waking up and being dazed. She hit a power pole and snapped it in half.

I have only seen a few people in my life, who after extreme fights, looked as bad as her after the airbag hit her face. Remember, she was leaning over, toward the front of the van. She was OK, but her face truly was pummeled. Knowing she was OK, several of my friends joked that I shouldn't do that to my wife :(. I still can't believe how bad she looked - yes -- pummeled.

By the way, just in case you're interested, it cost $1750 to replace the pole and $1750 labor to replace it (naturally, the insurance did pay for it)

04/04/23 07:55 AM

#27183

I have a cajun woman as a customer who lives in Rosharon and is 101, the same age my dad would be. She still has a license, a car, a house, but recently stopped driving. A large extended family surrounds her, but she's still goin...gardening and gossiping about her family. Her daughter takes care of her and uses the car. Whenever there is an issue with anyone on an accident, she refers them to me to gain my experience.

Recently, the daughter's grandson was driving with his girlfriend to a skeet shooting tournament in Arizona and had a collision with a deer in or near San Angelo, had to leave her Mercedez there and rent a car on the way and then the way back. Now in town, she was referred to me on the claim.

It is a leased car. That means the owner is the leasing company, not the girlfriend. I explained the contract she has is with the insurance company AND the leasing company. Her parents' have insurance with Amica. One thing here. If you are going to hit an animal, hit the animal...don't miss and run off the road. Collision wiht an animal is deemed Comprehensive, not collision, so you don't get surcharged on insurance usually, it is like a flood or a theft.

A Mercedez has about six air bags. I don't know for sure, but all six of those air bags cost multiple thousands to replace. So, basically, the insurance company pays the leasing company for the total loss and then salvages a very nice Mercedez with only minor sheet metal and plastic damage. Though, I 10 in San Angelo has a 80 MPH speed limit in parts...So I don't know how much body work.

The point here is that a leased vehicle basically takes the customer out of the equation when there is an even somewhat minor claim. The leasing company "gains" when they can make a claim with the insurance companies. They sort of "earn" all their fees, the lease is satisfied, and they re lease some other contract.

Yes, when you lease, the leasing company usually purchases a GAP policy as part of your 6000 or 7000 fee they add into your contract. That 6000 or so fee, IMHO is negotiable...So, Amica pays and if not enough to pay off the principle balance of the lease Mercedez, the GAP picks up the difference.

My opinion is don't lease.

This young woman is going to have to come up with a deductible and all the fees to get a new leased car..or buy a new car... (there may be some refunds on "unearned" premium fees the dealer/lessor charged, which could help out, if she reads her contract...)

04/04/23 12:12 PM

#27184

Jim Bedwell

David C,

Tommy wrote: "I like Elizabeth Warren a lot and it would be better for everyone if you would not insult her here on your Forum."

I disagree with Tommy, It would NOT be better for me if you didn't badmouth her here on the forum. She is one of the very slimiest denizens of the D.C. swamp and that's saying A LOT!!! All she cares about is herself and to a lesser extent, secondly her increasingly totalitarian Party; she couldn't care less about the people, the country in general or the Constitution in particular.

Sorry about the car totaling. Was it your fault?

04/04/23 04:46 PM

#27185

Jim, I get where you are coming from as far as your not liking Elizabeth Warren and you are more than welcome to your op.

But, my thoughts on her are she is a champion for transparency in banking and wallstreet and was (along with Barney Frank) a watchdog twosome which built up a sourcing to effectively help the US out of the financial crises which crashed our economy during the 2007-2008 financial panic.

I want her staying and relied upon in an era or uncertainty to stop whatever (as Janalu would say) shenanigans that financial world gets entangled into.

She spent her formative attorney years as a Republican out of Oklahoma, becoming estranged from her husband and struggling as a single mom in Houston and working as a bankrupcy attorney, gaining an expertise that many leg's lack.

04/04/23 05:13 PM

#27186

Hey you guys and gals!

Today is my Baby Brother Bryan's birthday, so I wrote him an early morning email, just to let him know I hadn't forgotten his special day. This is what I sent him.....

Hi Bryan!

Hope you are enjoying a Happy Birthday on this lovely day! I'm thinking it is your 66th? Great to be alive to witness the idiocy of our former president being the first ever to be indicted, huh? And on the anniversary of MLK Jr.'s murder, as well. The things that happen on the 4th of April are usually noteworthy and special for Americans to remember always, I've found. Like a box of chocolates, "You never know what you are going to get." But when the day is finished, some changes to lives and history! Blessed was the day we three Jeanes kids found our handsome baby brother lying in the small car bed, brought into our den, at 320 Hillcrest Dr., and we proceeded to pounce upon him with glee and touching of baby feet and tiny hands! Mother and Daddy had to carefully watch us all, especially Jill, who attempted to drag you out of your cozy blankets, to hug you like her ragdoll. For all the days since then, we have loved having your presence with us, as a major part of the Four Musketeers, Jeanes-style! Hail to King Bryan Jeanes, of Mrs. Barbee's first grade class, Heights Elementary. We adore you always!

Hope you and Susie have a great dinner celebration on the Square in McKinney tonight, replete with birthday cake ablazing! Have fun!

Love, Janalu et al.......

He responded:

Thank you for the sentiments and your recollections. We are indeed planning to have a wonderful evening tonight at Eddie V's. I only wish that I could share today with you and Charles.

Susie continues to spoil me as always.

The Lord has blessed me my whole life and I am grateful for every minute.

Love always,

Bryan

Just thought I would share nice musings with you, to lift your spirits, if necessary.

Smile awhile.....

04/04/23 05:21 PM

#27187

Ron Knight

Lowell

In light of David's car accident I would like your input/expertise for the good of the RHS 69 Community. I just had my yearly review with my State Farm agent to update any changes that may have occured over the last year.

Things that I would like for you to address would be liability coverage - DO YOU HAVE ENOUGH? , getting an Umbrella Policy ( and for some - what is an umbrella policy? ), how about a "jewelry" and in my case around 35 guitars, plus the jewelry clause AND how to protect yourself from theft or loss or acts of God.

I am sure I am only touching on just a few things of concern that an agent would want to discuss with their clients.

AND in David's case, I am glad he went to the hospital to establish a basis for the accident and should other complications occur how to handle them.

I have not addressed the legal side of the accident, perhaps Bob D can shed some light on that.

I think the entire class would love to hear your take!

04/04/23 07:42 PM

#27188

Jim Bedwell

Tommy,

I can't disagree with ANYTHING (except for the word "insult") in your post to me! hahahahaha!!!

So why is being totally accurate in my statements about Liawatha an insult of her?

04/04/23 07:53 PM

#27189

I was warchinf "To Tell The Turth" from 1973 and they had Byron MacGregor a Canadian who ecorded this praisung the USA an all Americans. Worth hearing just 3 min.

This is a second.

04/05/23 04:31 AM

#27190

David Cordell

Several people have contacted me about my wreck, so here is a bit of info.

I elected not to go to the ER, although I had a sharp pain in my lower back with certain movements. The next day (Tuesday) my wife convinced me to see my doctor. He agreed to see me, but when he learned that I hadn't gone to the ER immediately after the wreck, he told me to go to the ER instead.
So, I went to the ER. My thought was that I had a deep bruise from the side airbag, but I was a bit concerned that there could be a kidney issue because of where the pain is. The pain is like a moderate muscle ache most of the time, but certain movements feel like a knife stabbing.
After various blood tests and a CT scan, the good news was that there was no kidney damage.
The bad news was that there were fractures of the L1, L2, and L3 transverse processes. I gather that these are the sort of wings on the vertebrae where muscles attach. I understand that nerves are not in the transverse processes, so, while this sounds like a broken back, it isn't what we normally think of as a broken back.
I infer that the damage is not permanent. I will just have to deal with the pain until the fractures heal.
The doctor prescribed Norco (hydrocodone plus acetaminophen), Robaxin (muscle relaxer), and Lidocaine patches I took only the Norco, last night at 10:30. Woke up at 1:50 and couldn't go back to sleep. I think I will go back to non-narcotic pain relievers.
The doctor referred me to a neurologist and a back-pain person, which I guess is for some sort of physical therapy.
I'm not sure how they will assess fault, but I wasn't given a ticket.
I called 911 within a minute of the collision after jumping out of the car to check on the woman driving the other car. I urged her to stay seated and I stood on a position to block the sun from her.
Plano police and EMS arrived almost immediately. They were very professional and courteous. The woman driving the other car was taken in the ambulance. She complained of chest pain, presumably from the airbag.
The collision was only a mile from my home, and the investigating officer drove me home. I have a sign in my front yard that is supportive of the Plano police. He appreciated that.
State Farm is my insurance company, and I have been very pleased with the courtesy and professionalism of the claims people. I should receive the collision coverage payment within a few days.
I will get a rental car this morning and start thinking about buying a car. I'm not sure if I will buy a new, used, or certified pre-owned vehicle. Don't know whether I will buy another sedan or an SUV. Probably need to narrow the focus!
Life goes on.

04/05/23 08:27 AM

#27191

Sandra Spieker (Ringo)

David,

It sounds like it was a harrowing ordeal, both for you and the other person/vehical involved. Those little fractures can be a real pain, from what I understand. I hope you heal quickly and the pain is manageable without opiods. I totaled my mother's car a couple of years ago. The crash resulted in all the air bags in her Honda Accord to deploy. The impact of the pickup that hit me forced my car to hit a tree. I suffered only minimal bruises, mostly on my hands from the bad. It was a weird experience.

We used the money from her car to purchase a used Lexus sedan. That car is wonderful. Rides smoothly. The only issues we had were the tire sensors, which was resolved. The dealership took care of it within a month of purchase. I like the Lexus better than the Honda.

04/05/23 08:46 AM

#27192

Ron, an umbrella is a very good choice. I have one for 1 million, which is with the same carrier as my auto and homeowner. Two smarter customer's of mine have 3 million, but I have them on a stand alone plan, so if they have issues with rates on the auto and homeowners insurance they can move those policies elsewhere to keep their premiums lower and not affect that umbrella. But, umbrella rates have been going up a lot as well because of the reinsurance marketplace and how it has been hit on the investment side, as well as shock losses from disasters.

Edit: You have to carry underlying limits on your auto, home, boat, motorhome, etc...which are usually 250,000/500,000/100,000 to be able to buy umbrella...I would be happy to explain limits if anyone doesn't understand that.

Our insurance rates are higher because of claims costs and investment losses and those issues go all the way up the financial line.

On special items like musical instruments, guns, art objects, and jewelry...it's ok to go with a "floater" with your homeowners insurance company, but they usually will limit that in underwriting expecting no items to be over 5,000 in value on a single loss...with a 10,000 25,000 or 50,000 overall limit.

I personally reccommend jewelry be on a policy elsewhere from the homeowners. You can get those through jewelers, or on line. A hassle to get the appraisals...but, if you have a lot of jewelry, you probably know an appraiser and like having your stuff appraised all the time.

I have found these days it is good to NOT have homeowner claims other than natural disaster or weather losses. They are usually not chargeable and don't affect insurability in the future much, whereas theft or burglary losses do.

Remember there is a difference between theft and burglary. Some policies only cover burglary and not theft or mysterious dissapperance.

If you need coverage on the guitars, I would also suggest a separate policy. A floater covering all of them with some single property being within whatever guidelines the underwriter asks on the app. Those may or may not be available through a State Farm agent...But, give him time and help him with the application by being forthcoming with all the data he needs. Might even have him send you the app to complete...

There are probably marine floaters out there for the guitars, but I haven't had the occasion. On separate policies, make sure the carrier is A- or better with A M Best...and ask who handles their claims...

If you are rich, Chubb is excellent. I have a broker I go through for them. No apps considered unless the home is over 1,000,000 and/or total premium for all policies over 10,000. Their rates are not so good, but they have most excellent policies with all the bells and whistles for maid, household employees, art objects, and the like. A few carriers like AIG and Fireman's Fund have tried to ween in on Chubb''s business, but they are the prime ones.

Most Chubb insured's don't care about the prices.

04/05/23 10:56 AM

#27193

Do any of you ladies remember sitting under hair dryers in laudromats, back when we were in maybe the fourth grade or fifth grade? I all of a sudden recalled washing my hair on Saturday mornings, rolling up the damp tendrils in those brushy rollers, using those picks of various colors to hold the rollers in place, and then having my Mom drive me a few blocks away to sit under a hair dryer, that we had to drop coins into, to start. We didn't have a hair dryer at home in those days. That was one way to dry my hair relatively quickly, so that I could get those scratchy curlers off my scalp! Yucky-poo!

For Christmas, in my fifth grade year, I received a hair dryer that came packed up in a portable case. It had a hose that attacked to a bonnet, which would inflate in a bubble around my head and curlers. It was so much more convenient to have, than to have to travel to the laudromat.

The things we remember from our early Richardson days! Pretty silly, but kinda funny to think of. I remember the assortment of magazines piled up by those hair dryers---some were sorta racy and scandalous, but also informative, in a way, to curious eyes......HA!

04/05/23 12:47 PM

#27194

Bedwell!

Have you heard that commercial where the toilet starts complaining to the man of the house?

The toilet says, "You've been coming in here every 45 minutes, and even tho' this is a restroom, I'm really tired of all this...." or words to that effect.

Seems to me that when we get to a point that our toilets are speaking aloud, some adjustments need to commence.

Should it be allowed that a man, in his own house, could shoot the smart-elecky toilet? Or should the man just talk a long walk on a short pier?

Maybe investing in an old chamber pot could be an option....Whatdaya' think?

Do you enjoy Bluegrass music in Knoxville, or do you prefer the melodies and guitarists of your usual fare from more familiar and recent days? Have you driven along the Blue Ridge mountain routes, yet?

04/05/23 12:57 PM

#27195

Tommy,

I remember White's Auto, but I don't remember a place over there with hair dryers. I remember Dad and Lads, plus the grocery store that kept changing its name, but not a laundromat or any hair dryers. Across Belt Line from that shopping center was another small strip center with a small grocery store on the corner of the L-shaped center, called Rieff's, or something like that......and a few doors down was the washateria where there were hair dryers. That's the one I usually went to. The lovely establishment faced out to that little side street that connected to Belt Line, with a stop light there, and at the other end it intersected with Lockwood. The place was really popular on Saturdays with housewifes and toddlers with sticky sucker mess all over their faces. And also lots of Mountain Dew cans.......

It was a really cool hangout for people-watching! Remember it well!

04/05/23 02:55 PM

#27196

Janalu, thlat Laundromat was where we wrapped papers before we set off on our bikes to deliver the Morning News or Times Herald. I was 10 to 14 then, so I didn't see you drying your hair.

I think that grocery store there was L & S. I think the truck dropped off our paper piles there and we drug them down to the laundromat, because it was open 24 hours and we could sit in there and wrap.

Steve Healy had a Richardson Daily News route and they dropped his papers off at his front yard.

We also got the bill from our paper manager and gave him our collection cash there.

I didn't do so well, but made 50 to 60 a month...if it was a good collection month. Folks stiffed us.

04/05/23 03:28 PM

#27197

What did we do before?

Bill Bramhall

04/05/23 03:36 PM

#27198

Lowerll,

I had a DMN route starting around 8th grade and the truck dropped the papers at the side of the Wyatts suppermarket across fromt Whites Auto. There were times when the truck was late and the spell of the donuts comming from Donut shop near the sun Rexall and we would go and buy fresh hot donuts.

04/05/23 03:40 PM

#27199