Do you have a TV insurance ad...
6 years ago
last modified: 6 years ago
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Do you have your flat screen TV on something other than a console
Comments (26)Thanks fot the ideas and pics. Now that I know about remote control extenders (thanks, Natal) I may have more options. I plan to hit a couple of antique shops this weekend to see what I see. The real issue is the width of the space (meaning how wide the console/whatever can be). Ideally it would be around 48" so while I like the idea of a sideboard type of piece, most will be too big. OTOH, I did find a regular ol' console at Room & Board that I like a lot, so I could always go that route. Still holding out for a while to see if I find something cool, though!...See MoreDo you have a TV in your living room?
Comments (35)Not in the living room. In our family room. And much to my chagrin, one in the bedroom. DH just HAD to have it there and needless to say, he turns it on for 10 minutes before he is ready to sleep! lol When my son was young, he tried to weasel a tv for his room and there was NO WAY we were EVER going to put one in his room NO WAY! lol Wow! 58", 65", 68" you guys must have HUGE rooms to have a tv that large! I can't imagine! lol I have some friends that mounted their flat screen above the fireplace and it is VERY uncomfortable to watch. You have to hold your head at quite an angle to see it. ouch!...See MoreDo you have Hartford insurance?
Comments (12)I also have been with them for about 10 years. They insure several of my rentals, cars, umbrella policy.....buuuuut....they decided my primary residence which borders wide open acreage was a high risk for fire and doubled my premium(I was in the path of the Waldo Canyon fire, if it had jumped the highway we would have burned) ....so I have it with Liberty Mutual this year...and then they wouldn't accept any more rentals because my primary home wasn't with "them". :0( I have a Land Rover that got a cracked windshield on our last road trip. They charge $100 for ANY windshield replacement, they come to you, once a year, does NOT effect your policy premiums. Would have been $500 without insurance, I did check. I was a claims adjuster for AAA, at one time. Hartford was as easy to reach and deal with as any of the other agencies. The BIG "thing" that stands out to me....they offer $100K med pay(under your car insurance), other insurance companies typically offer $25k. It pays YOU when you get hurt in an accident. Yes, I have health insurance, but with a high deductable each year. A claim with multiple surgeries can go on for several years. Also they offer 500K/1mil liabiity....say .....if you take out a Bentley convention or utilities. :0)...See MoreLong Term Care Insurance--do you have it?
Comments (29)Like Jim_1, we evaluated our risk profile for morbidity and decided on buying it. We have the equivalent of "Cadillac" LTCi (I guess that might be Mercedes-Benz or Bentley, these days, lol), purchased through the state pension fund which polices the LTC carriers very strictly. It's costly. But we knew that going in. I'd worked in insurance for almost 20 yrs and still have friends in the industry, including corporate actuaries. I told DH that the original pricing was too low and we should be ready to budget for premium increases in the future. Those increases have happened, and fortunately we're still able to afford the premiums. We have no intention of letting them go. Our morbidity risk is still high. In 2013 we moved my MIL to a wonderful full-care senior facility. She had early dementia but was fine with a regular daily routine. She was a sociable sort but shy about making friends on her own, so the facility was great for her. She was age 85 when she moved in, and sure she was still "too young" for this place. Imagine her shock when she was seated at a dining table with three other residents, and she was the YOUNGEST. One of her new companions was 100 yrs old and had been living in the facility for 30 years! Because MIL needed to have enough $$$ to afford Memory Care as she declined, we were and still are, conversant with what facilities charge for Skilled Nursing and Memory Care in our area. Interestingly, when we were researching facilities for MIL, there was little difference in the Asst. Living monthly rents, although costs for services varied, between the for-profit and non-profit facilities. But when looking into SN and MC units, the difference was substantial, to the tune of more than $3K/monthly. It had nothing to do with the quality of care; the non-profit we selected for MIL was one of the more reasonable ones yet is rated 3rd in the state. In 2015, the cost for SN/MC at this facility was $8500/mo. You need to remember although this cost is inclusive of all medical services, personal items and some extras deemed non-essential are NOT provided by any facility we interviewed. Such items, for increased comfort or emotional support, are the responsibility of the resident or resident's family, so that is an additional cost. It should also be noted that all the facilities we interviewed did not accept Medicaid patients at all as initial residents. All of the non-profits and a couple of the for-profits said their policy was to apply for Medicaid for residents who eventually ran out of funds (helping defray those SN/MC costs is one of the major expenses in a facility's General Budget). Some of the for-profits, however, said if a resident ran out of funds, they were asked to leave. These facilities would contact the state to arrange for a transfer to a Medicaid facility that would accept the resident: no choice of where to go, btw. As pointed out above, if you think there is any risk of needing Medicaid, it would be wise to find out the laws in your state, AND STAY UP TO DATE ON THEM. Medicaid is 50% federally funded and is always dependent upon the goodwill of Congress for its funding. Currently 80% of the U.S. elderly in SN and MC facilities are being funded by Medicaid. HTH....See More- 6 years agolast modified: 6 years agophoggie thanked littlebug zone 5 Missouri
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