Tag Archives: Insurance


Last year in January 2021, I purchased a new house. My son, his wife, and small daughter live with me. I wanted us to move to the new one, but Son wasn’t in favor. His reasons were that where we were living at present was nearer to his sons. The sons live with his ex. Another reason was that the new house wasn’t adequate for our living.

I gave the house to a management company to manage it for me. It turned out that their screening of the tenant wasn’t enough. In February of this year the tenant didn’t give the rent. When faced with eviction notice, the tenant decamped with all the appliances.

When all this was happening, the management didn’t give me a clue. They let me know a month later on. They weren’t even going to tell me. They only complied when the sheriff wanted to meet me. The tenant had a fake ID. How it slipped passed the management, I don’t know.

The management slapped me with a bill of seven thousand for making repairs. After patching up my brand new home ourselves, and getting new appliances I’m still in search of a new management. I don’t know how I’m going to pay the taxes—- the regular one, and the mud tax, and the HOA. Then there is the insurance. It has gone up. When we reported the theft, the insurance person said they don’t cover theft, they cover damages to the home, or appliances. What a laugh?

I’m truly messed up over all this. This house was my income. I can’t decide what to do, worrying all the time how I’m going to pay the tax, and everything.


Yesterday I had a little mishap, and it wasn’t my fault. I was going in my own lane. Unexpectedly a driver came out of the left side lane, and tried to swing into my car. I swerved to the right to save my car from collision. My outside mirror swung up with the impact, and the horrible person scraped my car. If I hadn’t slowed, and swerved to the right, this chap would have totaled my car.

It was so unbelievable, and I kept telling Son to write down the car’s number plate, so that we could make a report. Son didn’t, and later on gave this explanation. “It would have been a waste of time, and the car insurance would have gone up. The weirdo driving the car would have lied, and made it your fault. ”

Nothing left to say!


I search for my insurance cards. They were in my green bag, and I’ve to transfer them to the black one I’m carrying. I can’t find them, and I feel frantic that I’ll miss my appointment with the doctor. I turn the bag upside down, and now my bed is strewn with things. Where could they disappear?

Both my feet have ballooned into something I don’t recognize as my own two feet. Are they really mine, or they belong to an alien?

My Sciatica have come back in full swing. The left leg throbs with pain, and walking has become difficult. For the last two days I take Advil to numb the pain. The self medication leaves my mouth dry, and I feel like napping all the time. I have to walk to the doctor’s office, as there is no car parking.

I can’t even say my prayers. In the midst of a prayer I’m asleep, wake up with a jolt, probably my guarding angels trying to tell me that I’m in the presence of God, “Hey! Wake up—you haven’t completed”. I try to shrug off the sleep, but unable to do so–and go back to sleep. 😴


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Last year I wanted a new iPhone. I wanted a silver color (like my old one) which wasn’t available. I waited a month, and a half for it to come. I cancelled, as they were charging for insurance too. This year almost the same thing happened. The only color available was black. I okayed it, cause  I didn’t want a repeat of last year. The shop attendant showed me a water proof cover for it. I bought it.

After getting back home, I discovered that the voice wasn’t clear. Besides that I wasn’t getting messages, or phone calls on the new purchase. My euphorbia over a new phone evaporated into thin air. I waited a day , or so for Son to be free so he could go with me. 

We explained the problems with the new iPhone. The attendant wasn’t helpful, and I felt more disappointed. He told me to find out after five days if he had more iPhones available. One option was to return it.

Coming out to the parking area I got an idea. I removed the cover, and told Son to get out of the car, and move away some distance, and then phone me. He did, and I found out nothing was wrong with the phone. We went back, and I chose another cover, returning the first one. 

I’m glad I did the experiment, saved myself another trip, and solved the problem on my own.

Daily Prompt


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I can only call it a fraud,  but maybe others won’t think like me. To clarify it: the selling of an extended warranty in the case of a car. When you buy a new car, the warranty is for two years. When you maintain your car nothing much happens, and it doesn’t need an extended warranty.  Things start to go wrong once it crosses the one hundred thousand miles limit. Till then the car is okay.

Dealers and insurance agents try their best to rope you in for an extended warranty. Son had bought a new car, and an extended warranty a few years back. The car met an accident. His insurance tried to fix the car, but there were major issues with the car which didn’t get fixed. When he got in touch with the warranty people, they said they had nothing to do with it. In the end he sold it, and bought another one.



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No Connection

How do we get connected when she won’t pick the phone? Please, please pick the phone. I have crashed my car. I need you to speak with me. Please can you get the insurance people. They say my name isn’t on it.

Why do I get this crap? I have been paying them on my credit card. They know where to send the monthly bill, and yet they don’t know me. Please pick up the phone………..

I am not getting connected to my daughter. It’s so frustrating!

Last Friday turned nightmarish for me, and the phone’s battery ran out too.
Daily Prompt: Connected

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My Backpain

Not for Thee
by Ben Huberman
What’s the best piece of advice you’ve ever received that you wouldn’t give to anyone else? Why don’t you think it would apply to others?


About three months ago I was having severe pain in my lower back. In my mind I tried to find out a reason for it.

Having no insurance, I kept putting off a visit to a doctor. The pain was getting unbearable. It was at its worst in the mornings when I got up from bed.

My first thought was to change my bed, and buy a new one. It was bought a year back, so probably there was nothing wrong with it.

Finally I couldn’t ignore going to a doctor. The doctor turned out to be a very sweet person. She allayed my fears of my kidneys giving up on me (my chief worry).

She prescribed two sets of pills. One was to be taken at bed time only, and the other twice a day as long as my pain persisted. I took the medicine for a month. I was sleeping day, and night.

I couldn’t exist that way for the rest of my life, I discontinued the use of the medicine. The pain returned.

I was talking to my daughter on the phone (a daily ritual), I grumbled to her about the whole thing. She came up with a solution. She told me not to put weight of one leg over the other one. She told me to extend my top leg, while sleeping on my side (as in fig. B).

The next day I felt better. I can’t give this advice to someone else. The symptoms, or illness may not be the same. But my daughter’s advice worked for me.


Sucked Down a Black-hole

Daily Prompt: Breaking the Ice
The Internet has recently been swept up by the ALS Ice Bucket Challenge. Is there a cause – social, political, cultural, or other — you passionately believe in? Tell us how you got involved — or why you don’t get involved.

There are so many terrible diseases, and it’s a wonder how we survive. Misfortune! when a disease strikes suddenly. All plans in life are abandoned in finding strength to fight it. We ask ourselves, why it happened? And why us?

Suddenly the insurance we have is not sufficient to pay the medical bills. We go through life savings, house and whatever we have like a whirlwind, and there is nothing to fall back upon; except to watch our loved ones die.

From the millions donated, 1/3 should be spent on research. The rest should be put in a fund in helping those sick people who need the money having spent whatever they had. Hospitals have become a Black hole in sucking money from those who are ill.

The cost of hospitalization shouldn’t be sky high, and prohibitive. Can someone do something about it?


The Kindness of Strangers

When was the last time a stranger did something particularly kind, generous, or selfless for you? Tell what happened!

This was the time, when my daughter was studying at CWRU. My flight was from Cleveland, Ohio to New York.

I had fallen, and my left arm badly needed medical attention. I had no insurance, so I decided to go back to my home country to get treatment.

Reaching New York, and after getting down from the small plane, my arm went into frozen mode. I could barely pick up my bag and carry on. Walking from the plane to the building, I couldn’t manage anything.

I was struggling with my things, when a very old and frail couple behind me, nudged me aside. Together they picked it up the steps for me. I feel tears in my eyes at remembering it just now.

It was the same at the terminal. I was looking with despair in my heart at my things. A man came forward by himself, got me a cart, and put my bags in it.

I can never forget the kindness of total strangers to me. God bless them.

The Kindness of Strangers