Happens

Happens

Yes, it happens.  It happens when you don’t want it to happen.  It has its way of just popping up at the most inopportune times.

Is there something in the air?

I won’t get in to everything that is going on, but most of it has to do with flakey people.  My parents taught me to be responsible.  The earliest lesson I learned in this regard was when I was about 12.

Toad

I was playing in the orchard at the end of the street.  I found a slot car chassis, and brought it home. There it sat for several days.  Nothing was done to it.

Toad, a boy who lived a few doors down came asking about it.  I told him I found it, and I gave it to him.  You’d think that would have been the end of it, and that I would have been thanked for returning it to its rightful owner.

Nope.  It happens that didn’t work, or so he said.  As a result, I ended up buying him a new slot car.

Ever since that day I am careful to take responsibility.  I’m also careful that I don’t put myself in a situation like I did with the slot car.

Unpaid Judgements

You’d think having an unpaid judgement hanging over your head would be a high priority to resolve.  I have one former tenant in that situation, and several others who SHOULD be in that situation.

My comment to Elizabethe was that someday they’ll go to buy a car or a home and the judgement stop them from getting credit.  She replied that they probably will never get to that point in life.

Sad, but true.

Needed Break

The temple is a needed break tonight.  If I weren’t going to the temple tonight I’d probably withdraw myself from the world.

Age of Lack

Age of Lack

I took a course in college titled, “The Age of Incoherence”.  Perhaps this decade should be called the age of lack of responsibility.

It seems the pattern today to not accept responsibility, or plan for responsibility.  “It’s okay to do it as long as you don’t get caught,” is the message sent.  Yet, many actions have long-term consequences that may not even be realized until after this life.

Laws are passed that on the short-term, seem good, but years down the road have a devastating effect on society.  People do things that in the short-term, have little effect, but repeatedly doing them takes its toll (example – drugs, body disfigurement, etc.)

I’ve decided that from now on, I’m going to ask a business before I do business with them, “How much liability insurance do you carry?”

I know, that may sound silly, but it goes back to responsibility.  If their services or products cause damage to my property, what remedy do I have if they don’t have insurance?

In other words, I want to reward responsibility.

This is funny…

I recently responded to a list about wedding photography suggesting the author  add to that list that the photographer should carry liability insurance, and I gave some reasons why.  Someone responded, “But liability insurance is expensive and someone will have to pay.”

Okay… for a wedding photographer in New York, liability insurance runs about $1.10/day.  Even if you only do one wedding a year, it will only add about $400 to the bill if you were to pass that on to the client.

Imagine your doctor saying, “Malpractice insurance is expensive.  You’re going to have to pay if you want it.”

Whose Responsibility

Whose Responsibility

It amazes me when it comes to whose responsibility it is for a bank’s mistake.  You’d think if a bank made a mistake, and the house goes through closing, the bank would have to accept responsibility and eat their error.  After all, if the buyer made the mistake, not only would they have to eat their error, but they would also suffer financial penalties and interest.  That’s not the case when the bank goofs up.

We learned today that when our house refinanced, the bank forgot to add in the funds for our escrow account.  So, who suffers?  We do.  We had to write a check for over $6000 for their error which took place months ago.  The alternative was to pay an additional $700/month for 12 months (i.e. $8400).

I agree that they should have to pay the $6000 out of their pockets… well, to an extent.  I guess it would depend on how it was presented in the closing papers,  but I do think there should be some consequence to the bank.  If that were my error, I’m sure they would be charging me at least $50/month until the problem was rectified.

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I managed to wash the deck today.  Now, it needs to dry, and stay dry long enough that I can treat and stain it.  The moisture here is really tough on wood.

Speaking of cleaning decks.  They sell bleach, yes regular bleach, under the name of deck cleaner and they charge an arm and a leg.  Just use dollar-store bleach.  They are both sodium hypochlorite.  (I didn’t discover this until after I opened the bottle from Lowe’s.)

If I were building a deck today, I’d use Azek or some other non-wood product.