house | Bertram's Blog

Insuring and Ensuring

January 22, 2021 — Pat Bertram

The increase in my house insurance reminds me that when people put in false claims or otherwise defraud an insurance company, they justify their actions by saying it doesn’t hurt anyone; it’s just an insurance company.

What such larcenous folk don’t realize is that an insurance company will NEVER lose. If they do lose more than they have accounted for in any given year, they simply jack up the price for those who faithfully pay their premiums without ever submitting a claim, or they get the government to bail them out. Which means, everyone but the insurance company loses.

Not that I think there is any shenanigans going on with the insurance company when they raised my rates, at least not more than usual, but it is something I think about, especially now that I am getting older and don’t have a lot of resources. It makes me wonder about what I will do if I ever get to the point of needing a nursing home. Would I discontinue the insurance those last years, and deal with whatever comes? After all, it will be the nursing home that gets my property, and I could use the insurance payment for one last fling.

Meantime, the sun is shining in this hiatus before the next storm hits, I have library books to read, and a roof over my head. And that, too, is an insurance of a kind. It might not be the monetary kind of insurance, but those things do help to ensure a good day! (I’m stretching things a bit here, since ensure and insure are completely different things, but I wanted to leave here with more positive slant.)

I hope you’re having a good day, or at least, as good a day as possible.

***

If you haven’t yet read A Spark of Heavenly Fire, my novel of a quarantine that predated this pandemic by more than ten years, you can read the first chapter online here: http://patbertram.com/A_Spark_of_Heavenly_Fire.html

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Posted in culture, house, life. Tags: insurance companies don't lose, insurance fraud, insurance racket. 3 Comments »

Unwanted Thoughts

January 20, 2021 — Pat Bertram

It’s interesting to me that so many of my daily one-card tarot readings talk of good fortune, windfalls, and such. I don’t really believe what the cards say because each reading negates the previous one, and the cards aren’t always positive, but I have come to believe that things are going to go well for me financially. So when things don’t, I feel affronted. I mean, how is my house insurance going up by 25% good fortune? It seems like a huge increase, though perhaps with more people staying home there are more claims? Or the weather in the area has been more damaging this past year? Or the company took a huge hit because of all the wildfires in the Colorado last year?

This particular area has inordinately high insurance rates, anyway, but whatever the reason for the increase, it isn’t good fortune! Or maybe it is? I guess I could consider myself fortunate that I’m not one of those who had to deal with damage.

It’s things like this — huge increases in expenses that aren’t reflected by increases in income — that made me not want to ever own a house, but I’d be paying it one way or another anyway. If I were still renting, the rent would go up to reflect the current insurance rate.

Luckily, once I get over the panic and affront of the higher rate, I’ll be okay for now because I am working, and so will have enough to pay the bill. Even more luckily, once it’s paid, I won’t have to think about it for a year. It does make me glad I didn’t reward this particular insurance company by switching my car insurance over to them. I would have saved a bit on the house insurance, but my car insurance would have gone way up, so I’d still be in the same position.

I did talk to my insurance agent in case there was a clerical error. Unfortunately, it wasn’t an error, though she too was shocked by the huge increase. She’ll look around to see if she can find a better deal for me, but back when I first got the insurance, this current company was by far the better price.

I really shouldn’t even be writing about this — it’s not anyone’s problem but mine — but it is on my mind, and writing about what I am thinking is how I get rid of unwanted thoughts, and I really don’t want these thoughts in my head!

***

“I am Bob, the Right Hand of God. As part of the galactic renewal program, God has accepted an offer from a development company on the planet Xerxes to turn Earth into a theme park. Not even God can stop progress, but to tell the truth, He’s glad of the change. He’s never been satisfied with Earth. For one thing, there are too many humans on it. He’s decided to eliminate anyone who isn’t nice, and because He’s God, He knows who you are; you can’t talk your way out of it as you humans normally do.”

Click here to buy Bob, The Right Hand of God.

Posted in blogging, house, life, writing. Tags: getting rid of unwanted thoughts, high insurance rates, home insurance increase, huge increase in home insurance. 4 Comments »

Small Joys

January 11, 2021 — Pat Bertram

A couple of days ago, I pulled out all the boxes and such to pack away my Christmas decorations. I’d gradually been putting things away, but suddenly today, I could not stand the disarray any longer and set to with a vengeance. Now my living room is clean and put back the way it was.

And it makes me feel good.

This need for no clutter is a new one for me. I never minded a mess, mostly because I lived in my head. I’d get involved in doing things and simply not notice my surroundings. But I have become something of a neatnik. The first thing every morning, I have to make my bed. The last thing before bed, I have to make sure the kitchen is clean and the counters empty. Except for the past couple of days with the Christmas clutter, the living room was always neat and company ready. It’s unnecessary from the company aspect, of course, because with The Bob, people seldom stop by, but still, it’s necessary for me.

The only room with a bit of clutter is my office. Papers tend to pile up on my desk, and because I am always doing something in that room, I tend not to let it bother me.

It does make me wonder, though, where this tendency toward non-clutter, neatness, and cleanliness comes from. Maybe being a house-proud home-owner (and proud of it!). Maybe having plenty of room — I’ve never had so many rooms, plus enough storage to keep temporarily unneeded items out of sight. Or maybe it’s habit from so many years of living in other people’s houses. Or maybe it’s the nearing of that “elderly” birthday. It’s easier to keep track of my errant thoughts when everything around me is in place.

Whatever the reason, I do find it amusing that I’ve turned into someone I never thought to be. This tendency toward neatness is convenient, that’s for sure! I don’t need to panic if/when the doorbell rings. When I was young, I’d have to peak out to see who was there, and then depending on the visitor, scurry around and scoop up my stray belongings. I think I was neat enough when Jeff and I were together, but since we were in business for ourselves, the storage tended to creep beyond the designated room.

But what once was is no longer important. Today, I put away the Christmas stuff and cleaned the living room.

Such a small thing, but a true joy!

***

Click here to buy Bob, The Right Hand of God.

Posted in home, house, life. Tags: becoming a neatnik, cluttered office, house proud, no clutter, proud to be house proud, putting away Christmas decorations. 9 Comments »

Ghost Roommate

January 9, 2021 — Pat Bertram

My sister visited shortly after I moved to this house, and she couldn’t sleep in her assigned bedroom because of the ghost who lives there. I don’t know if she actually saw the spirit of a woman or if it was a waking dream, but my sister swore it was true and spent her nights on the couch in the living room.

When I was dealing with a bum knee and couldn’t walk, I slept in that bedroom. It was just so much easier getting in and out of the high daybed. There were chairs and such to hang on to as I hobbled to the bathroom. And I didn’t have to deal with making the bed every morning. I spent a hundred hours at night in that room, as well as the thousand of waking hours (since the room is set up as an office with a daybed), and I never got a glimpse or even a feel of a restless spirit. Except my own, of course, and to be honest, it’s not that restless. Being a quasi-hermit seems to agree with me.

The ghostly roommate referred to in the title of this post is even more nebulous than a revenant. He uses this address, either by accident or design, though he doesn’t get the mail that is sent here. Nor has he ever lived here.

I sometimes get mail for the previous resident, though that mail is the throwaway kind — advertisements that he in no way is interested in since he is deceased. I also sometimes get an occasional Christmas card or flyer for the people who lived here before that. But no one knows who this ghost roommate is.

The mail I get for this phantom is current, such as a debit card for food stamps or a People magazine. Since I get the mail as soon as it comes, there is no way he can be fraudulently using my address to get his mail, taking it from my mailbox when I’m not around. I’ve told the postal workers about it, and they tell me they’ll take care of it, but I still get the People magazine occasionally when a substitute deliverer is on duty.

The odd thing is, although not everyone in town knows everyone, everyone will know someone who knows those they don’t know. But no one knows who this fellow is.

Apparently, he really is a ghost.

Since he is a nonentity, I figure he wouldn’t mind if I read the magazine he isn’t getting. And that adds a whole other layer to the mystery. Who are the people who appear in that magazine? I’ve seldom heard any of them, and if a name is familiar, I certainly don’t care what they are wearing, if they are happily living an unroyal life, or if they are back together with some ex-wife.

Still, it’s reading material, and I read anything that crosses my threshold. I wonder if I should just toss the magazine instead of returning it to the post office. If the magazine isn’t forwarded to the fellow, maybe he’ll get the message that he sends his mail to the wrong address.

Or not. Maybe he prefers to befuddle me with his ghostly presence.

***

Click here to buy Bob, The Right Hand of God.

Posted in house, life. Tags: getting mail, getting mail for a person who never lived here, getting mail for a previous resident, ghost, ghost of an old woman, People magazine. 2 Comments »

Taking a Rest From Thinking

January 3, 2021 — Pat Bertram

I’ve been procrastinating about writing anything today, hoping for inspiration, but deep thoughts or any thoughts, actually, seem to be absent. I suppose that’s a good thing — it means I’m not obsessing over anything.

At least not today. I have been overthinking my insurance, trying to figure out if I want to stay with my same agent for automobile insurance or bundle the car insurance with my house insurance. It doesn’t save me anything. Even though the house insurance will go down (after it goes up because of the new garage), parts of the auto insurance will go way up. Other parts will go down, but mainly because the deductibles will go up. And then, because of the high comprehensive deductible, I’d have to get full glass coverage so there would be no deductible for replacing a windshield. And that cost alone is more than the comprehensive cost.

What a racket!

The one good thing about changing insurance companies would be that I’d get to set a value on my car rather than rely on the vagaries of the first insurance company. The first insurance people do know I restored the car, and they have a photo of the car as it looked a couple of years ago, so it might work out. Of course, the best thing to do is simply not get in an accident!

There are other differences to consider when switching insurance companies. For example, if I am in a chargeable accident (I presume that means the accident was my fault), and if I have been with the first company for nine years (which I have been), and haven’t had an accident in those years, my insurance won’t go up because of it.

I certainly don’t plan on getting in an accident, but such things to happen — it’s why they are called accidents. I do make sure I don’t drive at night, in bad weather, in heavy traffic, when I’m distracted, or any other unsafe condition, but still, accidents happen.

All these things have to be taken into consideration, so is it any wonder that today I am not thinking about anything and giving my poor brain a rest?

***

Click here to buy Bob, The Right Hand of God.

Posted in house, life. Tags: bundling house and car insurance, car insurance, preventing car accidents, saving money on car insurance, setting a value on a classic car, trying to decide what insurance company to use. 9 Comments »

Judgement Call

December 24, 2020 — Pat Bertram

I sometimes watch television with the woman I sit with several hours a week, and the show of choice is Judge Judy. The most annoying things, of course, are the commercials. The political ads were horrific, but thankfully they are done with, and by the time they return, I’ll probably be finished with this job and with television. Almost as bad as political ads are the drug commercials, with all the happy people dancing around gleefully while the life-threatening side-effects are listed. Most annoying are those sleazy lawyers promising to get me big bucks if only I could get injured in a car accident.

I suppose the lawyer ads make sense, since this show is partly about the law. It’s mostly, of course, about Judge Judy and her sharp bluntness. That sounds oxymoronic, but she is so very blunt in her speech and so pointed in her remarks that her bluntness comes across as sharp. Not just smart as in keen but sharp as in cutting.

As I watch her, I wonder what it would be like to be so very direct. I realize she is a judge, and that it is her show and her courtroom, so what is entertaining coming from her mouth would be downright rude and hurtful coming from me. And above all, I strive not to be rude or hurtful or unkind in any way. If people annoy me, I stay away from them. It gains me nothing to get in their face and tell them what I think of them. Besides, it would probably make me feel worse than it would make them feel.

As I watch the people who stand before the judge, I wonder how I would act if I were one of them. Would I be able to stand there and keep my mouth shut while my opposite number is spouting lies? Would I be seething at the injustice? Would I protest out of turn? Would I be too intimidated to speak up when allowed? I have a hunch I’d be one of those who try to explain too much, to give the context and other background information. A lot of what happens to us can’t be fit into a yes or no situation. There are always gray areas. And yet often, those folks, whether defendant or plaintiff, are only allowed a single word — yes or no.

But none of that matters. I truly doubt I would ever go to a small claims court, would ever apply to be on judiciary show, would ever get a lawyer to try to resolve any situation those litigants get into.

If I lend someone money, I assume it’s lost, and if they pay it back, great. If they don’t pay it back, I will nag them, and if I still can’t get the money back, eventually give that up, too.

I have seldom gotten a deposit back from a landlord — they have almost always managed to find a way to keep it — so I made sure any deposit was an amount I could afford to lose. Now that I own a house, I don’t have that sort of problem, for which I am eternally grateful.

I do have a contractor who doesn’t always show up when he says he will, but I couldn’t sue him even if I wanted to (which I don’t) because I don’t have a written contract. And anyway, we’ve become friends. Whenever I need something done immediately (like a leaky toilet) that goes beyond what would be contracted for, he does without question. A friendship like that helps take some of the stress out of home ownership and is not worth jeopardizing.

I’ll probably never have a property line dispute — the first thing I did when I got here was to have my property surveyed, and it is now part of the legal definition of the place.

I’ve been bitten by dogs, my car has been hit by other drivers, and I’ve slipped and fallen and been badly injured, and never have I sued. In fact, that’s a matter of contention between me and a friend because my not doing so comes across as my being contrary rather my making a judgement call. And maybe I am contrary, but I know for sure I’d rather end a fender bender (even when it is the other person’s fault) with a hug rather than an appearance before a judge.

Pat Bertram is the author of Grief: The Inside Story – A Guide to Surviving the Loss of a Loved One. “Grief: The Inside Story is perfect and that is not hyperbole! It is exactly what folk who are grieving need to read.” –Leesa Healy, RN, GDAS GDAT, Emotional/Mental Health Therapist & Educator

Posted in being me, house, life. Tags: Judge Judy, lawyer commercials, lending money, oxymoron, sharply blunt, small claims court, suing people. Leave a Comment »

Small Town Fun

December 19, 2020 — Pat Bertram

I continue to marvel at my good fortune and the wonders of my new life — not just a house to cherish, but friends to bring me joy. And to do things with. Last year, a bunch of us got together to make wreaths. A month ago, we got together to make cards.

And today a friend made me Thai curry for lunch, and then afterward, we made cookies. She’d never made cookies before, and this year wanted to make cookies for Santa, and my help was enlisted. It was a fun project, and what it lacked in professionalism made up for in color and enthusiasm. I’ve never been able to use those ready-made icing packages for decorating cookies — the bags are unwieldy, the icing too runny — but we did what we could with items we had.

It seems odd that when I decided to move here, making friends never entered my mind. I just figured I’d settle into my hermitage and do what I’ve done all my life — read, walk, write, and other simple pleasures of a solitary life.

But here I am, settled in as if I’d always lived here. In fact, I’ve heard myself say such small-town utterances as, “He’s the husband of the sister of the ex-wife of the nephew of so-and-so.” Yep. Going native.

The most peculiar thing about living here is the postal service — whether coming here or leaving from here, packages seem to end up in a black hole in Denver. After more than a week in Denver, a package I mailed to Las Vegas ended up in the Tucson system, and there it’s lingered for another few days. It might get to Las Vegas in time for Christmas. It might not.

But other than the primitive mail system that cuts off an entire area of a state for days on end, this town has been good to me.

There’s always something to marvel at, to be grateful for, to enjoy.

I find that utterly amazing. And so very welcome.

***

Posted in house, life. Tags: going native, living in a small town, mail taking too long to get delivered, making cookies, packages getting lost, primitive mail system. Leave a Comment »

A Winning Situation

November 28, 2020 — Pat Bertram

Lots of activity today! I’d ordered some hydrangea bush/trees from The Arbor Day Foundation (well, actually, I donated a token amount of money, and the hydrangeas came along as a gift), but hadn’t received them, so I thought they forgot me. But the hydrangeas came today, which surprised me. I mean, a couple of days until December is still fall, but not what we generally think of as fall. It also surprised me that the ground was thawed enough to plant. I guess a little sun during the day offsets a lot of cold during the night. I thought I was only supposed to get four of the plants, but they sent me five, so I cheated and put two in the same large hole. It’s a place where I particularly want the bushes, so hopefully, at least one will survive — Arbor Day Foundation trees are notorious for not growing. In fact, all the trees I got from them died, and although the lilac seedlings didn’t die, they didn’t grow, either. Maybe next year!

A couple of workers planned to come early this morning to spread the breeze (crushed rock) for part of my walkway in the yard, but they couldn’t come that early because the breeze was frozen solid. I guess the snow had made its way down the heap, and that’s what froze. I can’t imagine that rock itself freezes, but what do I know. I’m new to this gardening/landscaping thing.

The workers did finally come, and in fact, they are still here.

Wow! That breeze rock sure is red!! It’s supposed to dry to a paler red, but we’ll see. I don’t suppose it matters. It’s all earth tone — the garage, the decorative rock around the garage, and the breeze. In the middle of the red pathway is a long rectangle that will be a raised garden.

It’s really interesting to me that although I am doing these things — the raised garden, the pathways, the ramps — for practicality, it’s all turning out to be so lovely.

People keep asking me why I need pathways in my yard, and the truth is, although I will appreciate having smooth walkways, I don’t really need them yet, but as I get older and unsteadier on my feet, I certainly will need them. I wouldn’t want to risk stepping into a depression in the grass and tripping and falling. So many older people’s lives are irrevocably changed by a simple fall. Also, since so many people not that much older than I am using walkers, I want to be prepared. If it got to that point, I wouldn’t want to be housebound just because I couldn’t get around my yard. And if not me, then my friends — I already know several people using walkers or wheelchairs, and I will be ready if ever they were to visit.

Another practicality — the more rock covering the ground, the less lawn or yard to take care of.

Many people either don’t want to think that that far ahead, or simply don’t think of these things, but since I am the only one who will be taking care of me when I get old, I figure the person I am now needs to prepare for the agedness of the person I will become. If I’m lucky, I’ll never need as much accessibility as I am having put in, but at least it will be there in case.

And anyway, it really is fun watching my mini estate taking shape. What’s also fun is seeing how the people who work on my yard really get into it. Although it’s hard work, it also gives them a creative outlet. And I let them do many of the things they think of. So it’s a winning situation all around.

***

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Posted in gardening, house, life. Tags: arbor day foundation, breeze crushed rock, crushed rock walkways, landscaping, making a yard accessible, preparing for old age, raised garden. Leave a Comment »

Watching Workers Work

November 23, 2020 — Pat Bertram

I’ve spent a nice lazy day watching men be anything but lazy.

My contractor has a new employee, one who is old enough and knowledgeable enough and conscientious enough to work by himself, so he’s been coming to lay decorative rock and dig pathways to fill with crushed rock called “breeze.” Why is it called breeze? I don’t know. All I know is that it will be nice to have flat paths to walk on as I get old and unsteady.

It’s interesting to me how everyone who has come to work on this house or yard has become caught up in the planning and offered fun and practical ideas for improving the lot and making the place accessible for the old lady I will become. (Of course, since these men are all considerably younger than me, they probably already see me as that frail old woman.)

I certainly hadn’t planned on doing all this (or rather, having it done), but once I can see where the worker is going with his idea, I can’t unsee it. And so, gradually, my yard is taking shape. It truly will be a mini estate when it is finished, with wild areas, garden areas, grassy areas as well as big bushes and small trees creating various “rooms.” And amazingly, when it is all finished, the entire cost of the house and landscaping will be a tiny fraction of what a similar property in any other part of the country would be.

It also looks as if the foundation will be repaired soon. This same worker who is laying down the rock will be digging away the dirt around the foundation, fixing the cracks, and then putting it all back together. As much as I appreciate the aesthetics of the landscaping (and the practicality of it), I am especially looking forward to having the cracks fixed. The house is sound even with the cracks, but since the biggest cracks are in the corner where my bedroom is, fixing them will give me great peace of mind. Not that I worry about it, but fixing the foundation ensures that I will never have to worry about the house collapsing while I am sleeping.

I’d take a picture of the work, but to be honest, all it looks like right now are rocks and dirt. Hmm. Maybe I need a waterfall. Then I’d have an interesting photo to post!

***

Buy it on Amazon here: https://www.amazon.com/gp/product/B0024FB5H6/

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Posted in gardening, home, house, life. Tags: breeze pathways, fixing a foundation, landscaping a yard, making a yard accessible, ornamental rock, preparing for my old age. Leave a Comment »

So Much Excitement!

November 20, 2020 — Pat Bertram

People have a harder time scamming me than some would-be victims because I have so few of the accoutrements of modern life that most people need to live, such as a credit card, or dreams of a fabulous and free vacation. I certainly have no interest in talking to a real IRS agent let alone a fake one. And my car isn’t new enough to be caught in the “your warranty is about to expire” scam, though I must admit, such calls do amuse me. After all, my warranty expired almost fifty years ago.

Since we’re talking about my car — I got a Thanksgiving card from my insurance agency, offering a sincere thank you for my business. I must admit, I’d believe the sincerity more if the note and signature hadn’t been stamped rather than actually signed by a real person.

And, still on the topic of my vehicle — a couple of days ago, the contractor came and set the slag around the garage apron to get rid of the four-inch lip the car needed to climb to get into the garage. Looks nice!

He’d actually planned to do the work a couple of weeks ago, but the gas company kept tearing up the alley, first to put in new gas lines, and then later to connect everyone along this stretch. It’s too bad they’d also dug up the the gravel that made the alley negotiable, but perhaps someday they will replace it.

A worker is here right now putting decorative rock around the foundation of the garage. Yay! Even better, from my knees’ point of view, he helped me finish digging out all grass in my “island” and planted the tiled cinderblock I found here in the yard.

The tree is the extra greengage plum tree I ordered, and since we didn’t know where else to put it, it ended up in the island. I liked the way the rock looked around the garage, so I considered filling the island with rock, too, but on the off chance that my plum ever blossomed and then fruited, I figured it would be too messy to clean up. At least, if I plant zinnias or some such, any fruit that fell would only nourish the soil.

So much excitement!

I’m not really being as ironic as it might seem. Having any work done around here is the highlight of my day, so much more exciting than calls from scammers or cards from insincere insurance agents.

***