Economy takes a BIGGER dump!
Mood:  crushed out
With lower interest rates, it brings less interest to those who have saved money over the years, paying more for everything now that the dollar is even weaker against all currencies, forclosures going for WAAAAAAAY too much (about 4 times it seems on a lot), and nothing is being done about it.

It's one thing to say things are bad and the whole world sees it, but it's another when nothing is done about it. Though, people are still too blind to see the truth, and others just stopped caring since nothing can be done.

The Mayan calendar ends in 12/21/2012. There is a reason for that, and it's not the world itself ending, but people causing the world to end....

Home Owners Insurance & Auto Insurance
Mood:  irritated

Deductibles: there is now a separate hurricane deductible of 2% of whatever the house is insured for; ex: house is insured for 300,000, the hurricane deductible would be 2% of 300k, or 6,000;  the other peril deductible covers all other perils (except flood & earthquake), such as fire, wind damage not associated with a hurricane, theft, water damage not associated with flood. You are probably correct in stating that you previously had a 500 ded, and that is still available for "Other Peril".  Due to government interference, a number of well-known companies have filed to pull out of the state, and a number are dropping a large number of policies.  State farm is dropping a number of coastal risks, but nothing in the central part.  As far as staying here and continuing to write policies, Management has assured agents that State Farm in here for the long haul.  As far as warning goes, state law requires at least 45 days notice to drop or non-renew a policy.  In 2004-5, insurance companies in the state paid out over 14 billion in claims, so that is one reason for the large rate increases & policy non-renewals.  The governor correctly points out that the industry made a profit of 2.7 billion in 2006, but ignores the previous 2 yrs losses.  That is why some companies are pulling out, the blatant political posturing by the governor. As far as premium increases, no one can guarantee anything there, as rates are based on the previous years experience, and submitted and approved (or denied) by the Dept of Insurance.

Nothing new!
Mood:  lazy

I need to get back into posting here, but maybe later.  I should be writing, but I do need to take care of things right now.  At least I'm posting something!

 

Not 100% sure, but, we maybe moving back to Central Florida, but HOPEFULLY the housing market will continue to fall, as ALL the homes are way too high, and of course, people are stupid to believe they can sell it for that much!

What Tarot Card are You?
Mood:  not sure

You are The Hermit

Prudence, Caution, Deliberation.

The Hermit points to all things hidden, such as knowledge and inspiration,hidden enemies. The illumination is from within, and retirement from participation in current events.

The Hermit is a card of introspection, analysis and, well, virginity. You do not desire to socialize; the card indicates, instead, a desire for peace and solitude. You prefer to take the time to think, organize, ruminate, take stock. There may be feelings of frustration and discontent but these feelings eventually lead to enlightenment, illumination, clarity.

The Hermit represents a wise, inspirational person, friend, teacher, therapist. This a person who can shine a light on things that were previously mysterious and confusing.

What Tarot Card are You?
Take the Test to Find Out.

The riskiest housing markets - Buy a House: MLS Listings & Home Buying Tips - MSN Real Estate
Mood:  irritated

http://realestate.msn.com/Buying/Article2.aspx?cp-documentid=5124615

I found the link, and this is the response I received:

Thanks for the article.  It is further evidence that the price of homes in Florida have been and still are priced to high.  It also shows that the homes in the Orlando market have a better than 50% chance of loosing value within the next couple of years.  What is interesting is that it does not mention that the major insurance companies are no longer selling home owners insurance in Florida and that the companies that are are selling the insurance are charging 3 to 4 times as much as in the past.  Also the home owners deductible (which is the amount the home owner must pay out of their pocket before the insurance company starts to pay anything) ranges from $15,000 to $20,000.  This is because the Florida State Government (which was is Republican & the previous Republican Governor Bush) gave the insurance this
break (the deductible).

I forgot to mention that when the Florida State Government changed the home owners insurance law (ie. the large deductible) it was not publicized and the public was not aware of it until after the hurricanes in 2004. Most families did not and still do not have an extra $15,000 - $20,000 just lying around to pay for unexpected repairs. Many had to deplete their savings account or get additional loans to pay for the repairs.  Then what happens if their home incurs damage again?  Eventually most families will drop their insurance and then risk losing everything. There are probably still thousands of home owners in Florida that are still not aware of the changes just because they were not previously affected and do not keep informed.  Also people that are moving to Florida at this time had no exposure to the changes in Florida's Home Owners Insurance fiasco and you know the Honest (Ha Ha) Real-estate Agents are not going to even mention anything about it.

I really wanted to move back to see my friends, but again, most don't have the time (or interest) to see me (except for some of The GoG), but it is time for me to move on (and just keep Orlando as a place to visit every so often)....

I have added another link:

http://www.aarp.org/bulletin/yourmoney/home_insurance_hell_sb2.html

Mid week blog (decisions)
Mood:  crushed out
I may not be moving back to FL anytime soon. It's possible I move up North even further (Tennessee).

Reasons to NOT go back to Orlando:

Humidity, no homeowner's insurance (or deal with the scum that are ripping people off), call center jobs (again), don't want to speak another language, more crime of people breaking into cars with master keys in The CITY of Orlando, scavengers buying up all the Star Wars stuff before I can get to them, spent over 30 years there....

Reasons to go back (well, visits I WILL do):

My friends (though I want to hang with them ALL THE TIME, they don't, or don't hold me up to their "standards"), meet the crew from The Daily Buzz (and Andrea Jackson) (giggity), the conventions (ehhh), go to Disney World every year for my birthday (YEAH!!!!!!!!!), get a condo in Cocoa Beach to watch the hurricanes come crashing down (wait...).

I run the Guardians of Gallifrey newsgroup (and photo gallery) online, so I'm not needed there (though I have to go back this year to just do a new ending for my first film (not a re-do of the narration) and retrograde the TARDIS console), I send out emails (are they actually read???), I got my stories to write (for my OWN benefit), and if I had a choice, I would move to England (for more than Dr Who reasons).

It's only a distance for which I can appear anytime (for the right reasons), and maybe this third state will be the charm for me (God knows I didn't get anything good out of FL or GA; work wise and such.

Before I leave this state (not of mind), at least I can say I was on TV (and YouTube), met a handful of nice people, found some stuff, and... took some pictures. I might go to one place before I leave though.... GIGGITY, GIGGITY, GOO!!!!!

Sadly, we all want to move back, but the fact that the Gov't allowed the insurance companies to do all this, the fact that a house in the old neighborhood that are EXTREMELY small and run down are selling for over $300K, since people don't have a clue and the fact the Real Estate Agents will NEVER tell the truth about anything, it's sad things had to come about this way....

I've been tagged!
Mood:  not sure

The rules are: Once you have been tagged you have to write a blog with 10 weird or random things, facts, or habits about yourself.

At the end, you choose 10 people to be tagged, list their names, and why you chose them to be tagged. Don't forget to leave a comment that says, "Tag, you're it" on their profile and to read your latest blog. Have fun!

1. I grow my nails long, as I forget to cut them.

2. I love cheese, a lot!

3. Sometimes, I don't want to wake up.

4. Hasbro did make a Star Wars action figure that looks like me, but I got nothing out of it (besides customizing).

5. I unofficially disbanded The Guardians of Gallifrey years ago, but they did come back.  Hence, I created/run the moderated newsgroup, a Photobucket album, a fan film and documentary, and all these stories based on their films.

6. I've never been really happy (but I don't spend tax payers money on it either).

7. I'm content on being alone. My imagination is greater than reality, and safer.  All those women....

8. I live like I'm always on camera. 

9. I'm not a hypocondriac, but I can count all the things I think are wrong with me (physically and mentally). 

10.  I'm an ordained minister, but I don't appreciate being preached to by someone who thinks they are more spiritual than me.  My friends have seen the best and worst (which reflect in my writings), but I don't force religion on people.

Quoth Tom Nevermore
Mood:  cheeky

My return to Florida?
Mood:  not sure

It may not be back to Orlando, Winter Park, Oviedo, Winter Springs area since greed is all around, and though the housing market "supposedly" is suffering, greed still has not.

 So, possibly Melbourne, Cocoa, Merit Island?

Despite this is the better place for me to find Star Wars stuff and the handful of people I've met that are decent enough to be considered nice, overall it has not been a good time, and since the Gov't won't allow us to sell the house until two years have passed (damn laws), one more year to go!

I hope to get something done with the TV show, Solid Ground, as I do have one story in mind (possibly a two-parter), but from what I'm told, it might not go on after the 2nd season.

Well, with 5-7 years left before the rapture, get it all done before it's too late.

Still searching
Mood:  irritated

Irritated as usual, I still can't find a job around here.  I'm over experienced, but I just need something for a year, as I will leave here, and find something better.

No one wants to give me a chance, lots of lies, and I do need to start selling my stuff on Ebay (lots of magazines, nudge, nudge).  My mentality has changed, as what I liked before means nothing, as the end is coming very soon, and I have no real pleasure in living anymore....