Running Bear's Coffee Shop XLIV


Good afternoon to you Terry and to everyone,

66 with clear & sunny skies in Baltimore. Predictions were for rain, but it started cloudy and cleared up before sunrise and has been a sunny day all day. That is normal for Baltimore.
 
How is this for prototypical?

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bnsf971 said:
I just got off the phone with somebody at the insurance company that at least seemed to know what they were talking about.
Total annual out of pocket is $10,000, not including deductible. There are separate deductibles for specialists, therapists, and some other things... It would take a great deal of time and electrons to list everything, but the deductible for the specialists, for example, is confusing, with copays of $60 per visit until the deductible is reached.
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Study that policy Terry, and know what you are entitled to. I have a disabled child, and as a result, I became a reluctant expert on health insurance, or at least my own policies over the years. You may have separate coverage for "durable medical equipment" which could pay for modifications. Most of the time they WILL negotiate, as will the provider. I once got a pretty major provider to cut me a significant discount on a procedure just by discussing it with them and letting them know what I was up against. You have to be tenacious, but remember to be nice. When you start getting frustrated hang up the phone for the day and try again tomorrow. It's tough to give more specific advice without knowing what insurance you have and more detailed information on what it covers. Talk to the hospital, and talk to the vendors. They can often help you wring every last dollar out of your policy. They have skin in this game, as they certainly want to get paid. Take deep breaths and hang in there!

I remember sitting in an airport many years ago checking e-mail. I overheard a lady bragging to a companion how big her bonus was because she was able to deny a large amount of clams. I had to move to another seating area or beat her to death with my laptop. I chose the former ;)
 
CSX_road_slug said:
Good morning. Still dark, but the skies are mostly clear over central MD.

Apparently the drama of my son's car wreck hasn't ended yet. He got his replacement car ~12 days ago, the financing company [Suntrust] was supposed to send him the finalizing papers with a payment book, etc. - but instead of that, he received a denial letter - WTF!? They mentioned something about "unacceptable collateral" and that his credit score wasn't high enough [he's just starting out, not much credit history yet] for the terms of the loan. I thought my co-signature was supposed to prevent this sort of situation? Anywho he's going to call the dealer today and try to figure out what the next step needs to be.
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It would seem, if he already has the replacement car in his possession that the finance company, if they were the same ones that financed the car for him/you before if needs to get their act together. They financed it before but not now?? Of course a denial letter sounds more like it's from the insurance co?
 
Trussrod said:
It would seem, if he already has the replacement car in his possession that the finance company, if they were the same ones that financed the car for him/you before if needs to get their act together. They financed it before but not now?? Of course a denial letter sounds more like it's from the insurance co?
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David, this turned out to be a non-issue. Calvin financed his car thru Toyota Credit Corp. [I think that's what they are called?] , NOT thru SunTrust. But the dealer sent out electronic applications to a half-dozen lenders to try and snag the best interest rate & terms, and SunTrust was one of them. Apparently there is some kind of law [passed in response to the Patriot Act] that requires them to send written notification to any consumer whose credit history they examine. They were oblivious to the fact that another lender wound up granting the loan, or that I had co-signed.
 
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Say Ken, That's good to hear, I hope he/you even got a better percentage rate on the new loan.


My insurance premium is due but I called my insurance agent and talked with his sister and mentioned that I didn't hardly drive my car all that much and she asked me fort the Odometer reading which I got for her by caring my cell phone out to the car for the mileage, 748? for six months which earned me an yearly reduction of $80.00 or $40.00 for the current six moths now due. So I was fairly pleased to hear that!
 
Evening All,

Today I ballasted all the new track except the turnout section. I will do that another day when I have plenty of time to do it. I also glued the 6 designer blocks on the mirror. I will give them at least 24 hours before putting up the straight trim pieces. I will post a picture when I am done.

Tomorrow my son and I are going to see "Fury" after cleaning house. Several of my friends have said it is an excellent movie.

Hope everybody has a good night.
 
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Good Morning!

Today is Wed 10/22/14.

Partly cloudy with a high of 57. Hoping to mow the yard today.

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Temperature in TIPTON IN
 
Morning All,

Just had breakfast after doing the treadmill. Plans today are to clean house and go to the movies. Tomorrow we have some running around to do for taxes and VA.

Milwaukee Road 113- Great shot on the bridge.

Terry- Hope your wife continues to do well.

Jeff- Hope you are doing well also.

Hope everyone has a good day.
 
Good Morning: 54°, overcast, with rain, thunder and falling leaves. Today's forecast is "unsettled".

My trainroom is in a state of upheaval, with stuff all over the place. Every time i move something, I find another "long lost treasure". Problem is that I need to find a place to put things until I get everything situated where I want it.

Wife went for bloodwork this morning........so now we are all done with the Docs until January when we usher in a new season of deductibles :rolleyes:.

Other than that, everything is "Nice".

Stay dry :rolleyes:.

Joe
 
Joe- I got 2 large rolling multi-drawer tool boxes and it has made a tremendous difference in clutter and stuff laying around. Actually my wife convinced me to get them. She was right again...don't you hate that? LOL.
 
Hey Joe!

I neglected to answer your question from the other day about where the pictures of the EMD GP7Us were taken.

I don't know, I got the pictures from Bing, but I suspect they were not taken not far from their yard in South East Baltimore.

Sorry I must have had a brain cramp.
 
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Curt - If I went and got some of those multi-drawer tool boxes, before long MOH would be saying: "Honey, can I keep some of my things in drawers X and Y of your cabinet...?" :rolleyes: She already has a lot of her junk under my layout because there's no space for it anyplace else.
 
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Howdy ..... We returned from our trip to visit with family in OH and in MI. Grandson had 5th birthday in MI. We went to a cider mill in MI and had fresh apple cider and doughnuts. Men of the family watched football games on TV. I saw trains along the way (NS, CSX, and CN). Spent our last night in Louisville, KY, and the next morning (yesterday) my main squeeze went shopping (Boring for me).

Ken .... Uh, Oh ! ... She has her junk under your layout! ... Do you charge rent ?

MILW 113 .... I like the bridge photo.

I hope everybody is doing well.
 
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