Homeowners Insurance – UGH – Part 3

I have honestly HAD IT UP TO HERE with homeowner’s insurance. Or maybe it’s Farm Bureau. Or just our local agents.

So Tom just called me to say they need a credit card for some authorization or whatnot. Fine. I assume it will be so we can pay the monthly $250. Fine. We decided we’d rather do that than have the bill sent to the mortgage company, so we don’t have to deal with a refund when the house sells or rents.

So he calls back and says “No! They wanted to charge the entire $3000!” Um, NOT. >:XX

So why the hell would they break it down into a monthly payment (in their email to us), if we are not allowed to make monthly payments? Give me a >:XX break. It’s like these people are telling us as little as humanly possible and then acting surprised when we have questions or are confused by something.

So now we apparently have seven days to get the mortgage company involved and payment made, so we don’t lapse coverage…which we could have been doing ALL THIS TIME had anyone told us we needed to do that.

I hate insurance companies.

Meeting the Pediatrician

Tom and I met our potential pediatrician tonight…and after a somewhat interesting start, it ended well.

She is about 15 minutes away—which isn’t that far, honestly—but it feels like quite a distance since most things are a bit closer to us. We pulled into a huge medical building with hardly any cars, which kind of worried us…although I suggested that maybe since this was her late night, everyone else was already gone.

We walked into the building and it was under construction and there were no signs, so we just wandered a bit. The office we needed was on the opposite side of the building—and we noticed a lot of cars in the rear parking lot…so we obviously just parked on the wrong side.

Anyway, we checked in about 10 minutes before our scheduled appointment and sat down to wait in the tiny waiting room, interested at how long we’d have to wait (one of our questions). Unfortunately, by the time we were called back to a room AND the doctor came in, we had waited about 40 minutes (30 minutes past our scheduled time).

She apologized, saying that apparently a lot of people were sick… and they take walk-ins which is why they were a little behind. Well, I didn’t like them being behind, but I was thrilled they take walk-ins! She said they schedule 30-minute appointments so she has plenty of time with each patient, plus it gives her time to take walk-ins or return phone calls…things which we both liked.

She also takes questions via email and is always available via pager.

Oh, and the offices under construction are hers. YAY! A brand new, larger, office!!

So overall we were happy with her.

Phew!

Bi-Weekly Appointment

This was my last bi-weekly appointment. Now I have every-week appointments!

My blood pressure was fine and apparently my weight was fine because she didn’t yell at me. 😛 I think I maybe gained 4#, which is 2# more than I should have, but oh well. I don’t feel like I am eating too much or too much of the wrong things, so I guess it’s all good.

They did the Group B Strep culture and the doc told me I have yet another yeast infection. Lovely. And of course I can’t have the lovely one-dose $3 co-pay pill, so it’s off to Rite Aid to spend another $20 on Monistat. Ugh.

But the baby looks good and I am good, so all is well.

Homeowners Insurance – UGH – Part 2

I just want to cry. :'(

So we got the new quote for unoccupied homeowner’s insurance: $2939/year. Yes, THREE THOUSAND >:XX DOLLARS A YEAR.

We called USAA to give them another chance. They don’t even insure unoccupied residences. They said “Here, let us transfer you to one of our referral agents” (or whoever). Once I gave her the address? “I am sorry, we are restricted from insuring anything in that area.”

Of->:XX-course.

Round and round we go, with no one being able to insure us, except those that want to charge an arm and two legs.

This house better sell, because this insurance BS is enough to drive me to drink.

Homeowners Insurance – UGH

Good god, will someone please rent or buy our house?

After dropping USAA because they doubled our rates (they want to get out of the Wind & Hail insurance), we had to research a bunch because apparently NO ONE wants to insure anything in North Carolina due to hurricanes. >:XX We eventually ended up with Farm Bureau who were a little cheaper.

Fast forward to us actually moving, and calling them to let them know. And oh, what a nightmare (I can barely remember all the specifics but basically) first they say they can’t insure us since we live out of state, then they say they can but they have to rewrite the policy, but then they say they can’t insure an empty house and give us 30 days to sell or rent. Then we get a notification that they are going to drop us, effective such and such date—but after we called them, they said they can change the policy for an empty house, but it will likely quadruple the price. >:XX

I told hubby we might have to check back with USAA and their $2600 might now be the best price (if they will even insure an empty house).

This is just such a pain in the ass. I can’t believe we’ve had so much problem with insurance. It’s like we’re the only people in the history of the world that have had an empty house in a separate state that needed insurance.

Pesto Sausage Walnut Lasagna

I still can’t believe I created my own lasagna. 88|

Well, to be fair, I got the idea from a frozen lasagna I bought at Target…but I still had to figure out how to make it myself!

I made homemade pesto with basil, walnuts, garlic, spinach (to keep it green), and olive oil. I fried a combination of regular pork sausage and hot italian sausage then added some chopped walnuts. I cheated a bit with the sauce and combined a jar of Four Cheese Alfredo, a dry packet mix of Creamy Basil Pesto (prepared), and the homemade pesto. I bought fresh mozzarella and fresh ricotta (which I mixed with shredded mozzarella, grated Romano, and an egg).

It took me a good 30 minutes to do the prep work and about 15 minutes to put it together, then 45 minutes in a 375° oven (which was either too high or too long, the top-most cheese layer was too brown).

And man was it yummy! WOW! Most of it went in the freezer (we are stocking up for when the baby comes) but we’re having it for dinner again tonight! (I had some extra filling so I made a side dish of it.)

Hilarious Birth Story

Three years, one month, and ten days ago.

I was reluctant to share this story, because it feels self-indulgent, somehow (unlike, say, the rest of this blog? This blog that is all about me?) but then I read this and thought, hell, that’s good reading!

So here’s mine. This is not for the squeamish; there are bodily fluids and shrieking and Dan Rather sightings.

It was fourteen days exactly before the baby was due. I was at my weekly midwife appointment, and I was leaking. “I think,” I told the midwife, “that my water broke. Or, you know, is breaking.”

My husband was there. Because I was huge and cranky and exhausted, he had offered to come with me. I wouldn’t miss an opportunity to make him go to one of the endless number of appointments I had endured, so I said yes.

CLICK THE LINK ABOVE TO CONTINUE READING…

Cost of Kids

—Thanks to Mom for forwarding this to me. 😀

The government recently calculated the cost of raising a child from birth to 18 and came up with $160,140.00 for a middle income family.

Talk about sticker shock! That doesn’t even touch college tuition.

But $160,140 isn’t so bad if you break it down. It translates into $8,896 a year, $741.38 a month, or $171.08 a week. That’s a mere $24.24 a day! Just over a dollar an hour.

Still, you might think the best financial advice says don’t have children If you want to be “rich.” It is just the opposite. What do you get for your $160,140?

  • Naming rights—First, middle, and last!
  • Glimpses of God everyday.
  • Giggles and outright, deep belly, flat out infectious laughter more times than one would ever believe.
  • More love than your heart can hold.
  • Butterfly kisses and Velcro hugs.
  • Endless wonder and pleasure over the simple things: rocks, ants, clouds, and warm cookies.
  • A hand to hold.
  • A partner for blowing bubbles, flying kites, building sand castles, and skipping down the sidewalk in the pouring rain.
  • Someone to laugh yourself silly with no matter what the boss said or how your stocks performed that day.
  • For $160,140, you can live through your childhood again; You get to finger-paint, carve pumpkins, play hide-and-seek, catch lightning bugs, and believe in Santa Claus for a while again.
  • You have an excuse to keep reading the Adventures of Piglet and Pooh, watching Saturday morning cartoons, going to Disney Land, and wishing on stars.
  • You get to frame rainbows, hearts, and flowers under refrigerator magnets and collect spray painted noodle wreaths for Christmas, hand prints set in clay for Mother’s Day, and cards with backward letters for Father’s Day.

For $160,140, there is no greater bang for your buck.

  • You get to be a hero just for retrieving a Frisbee off the garage roof, taking the training wheels off the bike, kissing a hurt, filling a wading pool, and coaching a baseball team that never wins but always gets treated to ice cream regardless.
  • You get a front row seat to history to witness the first step, first word, first bra, first date, and first time behind the wheel.
  • You get to be immortal.
  • You get another branch added to your family tree—and if you’re lucky, a long list of limbs in your obituary called grandchildren.
  • You get an education in psychology, nursing, criminal justice, communications, and human sexuality that no college can match.
  • In the eyes of a child, you rank right up there with God.
  • You have all the power to heal a boo-boo, scare away the monsters under the bed, patch a broken heart, police a slumber party, ground them forever, and love them without limits, so one day they will, like you, love without counting the cost.

ENJOY YOUR KIDS AND GRANDKIDS !

Pediatrician

So, one of the things I hadn’t thought about was a pediatrician. Well, don’t get me wrong, I had known we’d need one, but I hadn’t thought much about actually finding one ahead of time…but one of my baby books suggested as much, so that the pediatrician could visit the baby in the hospital. Ah yes, makes sense.

So I asked by OB for a referral, and she gave me one (her actual pediatrician for her own kids) but said she didn’t know if she took Tricare (military insurance). I put off calling because I just knew she wouldn’t, and then I’d have to actually start researching and making calls to find someone.

But today I decided to just do it. And what do you know? They are JUST starting to take Tricare AND they are accepting new patients.

Oh, lucky day! 😀

I am going to assume that had I not waited as long as I did (really just like three weeks), they would not have accepted Tricare when I called, and I would have had to find someone else…but because I was a slacker, it paid off! YAY!

I go in to meet her next week. I want Tom to go, but his schedule most likely won’t permit it…

TEN THINGS ON MY MIND RIGHT NOW

  1. I was wondering why I am hungry because I ate breakfast. Then I remembered, oh yeah, I was up at 5:30 and that’s when I ate, so every 3-4 hours is about my eating schedule at this point.
  2. I am on course to have about an 8.5# baby. Egads.
  3. Why is it that when I am laying in bed I can’t sleep because I am thinking of the hundred and one things I want/have to do, then when I get up, I don’t want to do/don’t have the energy to do ANY of them?
  4. WHY DO MY CATS KEEP POOPING OUTSIDE THE BOX? GRRRRRRRRR. >:XX
  5. We have two people somewhat maybe sorta interested in renting our house, and maybe kinda possibly one person interested in buying. PLEASE PLEASE PLEASE let someone do something. We cannot afford more months of double payments.
  6. It’s time to start washing baby clothes to see what all we have. It feels like we have a lot, but on the same hand, it feels like we don’t have the right stuff.
  7. Sometimes my computer frustrates me so much I think I am ready for a Mac. But I am sure I would have issues with that, too.
  8. How can a photo album be lost? The entire house got packed and moved, and we have looked in every box and it’s still gone. Bah. So obviously we have some hidden boxes, LOL.
  9. Dogs that bark irritate me, because I am so used to our dog who rarely, if ever, barks. I know it’s not fair, but sorry, that’s what I’m used to.
  10. I wonder when I will fall asleep today…I’ve been up since 3am.

Two car garage my ass.

We were so excited that this house had a two-car garage…until we actually LOOKED at it and measured it, and saw that it was QUITE small. (And not just small compared to our last garage, which we know was larger than normal…but just plain small.) And pretty much every house on the block is like this (no wonder everyone parks in the driveway).

Just parking two cars in the driveway next to each other was a tight fit—parking in a normal manner, the driver (of the car on the left) and the passenger (of the car on the right) would exit directly onto the lawn. Which wouldn’t be a big deal…WHEN THERE’S NO SNOW. So I couldn’t imagine trying to get both of our cars in the garage, which is technically narrower than the driveway (since the walls of the garage come out about a foot on either side).

But, for the most part, it didn’t really matter right away, since the garage was filled with boxes and odds and ends.

Until tonight.

Tom had finally moved and organized enough stuff so that there was room to get his car in (it had been decided beforehand that his would go in the garage, since he’s the one that has to work!).

And if you can believe it, HIS car—his tiny car—is a tight fit (length-wise)!! I am not even sure I’d attempt to get my car in, even if there was room width-wise.

My first thought was “Well, this house is old. Built in the 70s I think.” But what kind of excuse is that? Do you remember cars from the 70s? Huge things! I would hazard a guess that no car ever parked in this garage…except we can see some oil stains.

So, that’s something else to add to our Dream House List—a HUGE garage. Or, at least one big enough to fit two cars.

Ultrasound

I had an ultrasound today, just to check measurements of the baby. I thought the doc had said she thought I was “measuring a little big” but the ultrasound tech said that the baby was actually in the 50th percentile.

He weighs approximately 5.7# and is on his way to being about 8.5# at birth! She also said he was going to be long—his legs were quite long (and really all cramped up together).

I asked what part of him was at my exact midsection (the part that is always the hardest/most taut) and she said it was his butt. 😉

So, without further ado…

His profile:

His face (tilt your head to the right):

And I asked her to make sure it was a boy. He is. I just didn’t scan that one. :>>

Oh, and the thing that frightened me the most? The 11cm head. >:XX

Glider rocker has been purchased!

We weren’t planning on spending money on a glider rocker quite yet, but we knew we wanted one… so after we researched them (gotta love the Baby Bargains book) and saw that the recommended ones were $400+ (not including ottoman), it was off to the baby store to actually sit in one to test it out (to see if it was really worth the money).

We also knew from past experience that not all gliders are not created equal, and I knew I’d have to sit in one before buying it to make sure I fit (well, my hips that is). And I have to say that the gliders were nice. NICE. But there was NO WAY we could afford a new one. Besides, even if we could, we asked and they apparently take 10-12 weeks to come in!

So I checked Craigslist and there were a few, so I emailed them and decided on one. We went to check it out (glider PLUS ottoman!) and it fit well and was comfortable, so now we have a glider! YAY!

Breastfeeding class

I can sum up the entire 3-hour class in one word: WOW! 88|

I really want to breastfeed, and I knew it would be a lot of work. But after actually learning about it, and realizing just how often a newborn needs to eat—and how long each feeding takes? Wow, just wow.

I think I am actually feeling MORE overwhelmed now, rather than less overwhelmed as I’d hoped. I think Tom was really surprised, too, at just how much work and energy would be involved (which is a good thing!).

The one thing I wasn’t expecting? If breastfeeding is going well, you should do it for at least 3-4 weeks before introducing a bottle or a pacifier. That sort of ruins my plans for having mom or Aunt Marge help with the middle of the night feedings. :no:

I am sure it will all be second nature in a few days—and be worth it overall (once the exhaustion is over)—but in the meantime it’s going to be hard work.

Sleeping. Ugh.

Well, sleeping is becoming more and more uncomfortable.

As time wears on, I find I can spend less and less time on each side before something goes numb. I tried the pillow between the knees but found it didn’t do much. Turning over has become a major chore. And of course, I am still up every few hours to pee.

The only somewhat good thing is that I seem to fall back asleep fairly quickly.

Salvation Army

I have wanted to go into the local Salvation Army just to check it out, but Tom has never wanted to stop. Well, he was finally in the mood today…and wanted to check out the baby clothes. 🙂

Well, as luck would have it, their daily sale was any five blue tags for $5. So we pawed through the many racks of baby clothes and found 10 things. I know we shouldn’t really be buying a ton of clothes, but at $1 a piece, how can you not? We threw in a few extra cute pieces, and went to check out. The cashier gave us the other pieces for $1 each as well, since he said he put boy clothes on sale today and no one had bought any! BONUS!

I am sure we will go back—there was lots of nice stuff, and even stuff with tags. Of course, you do have to look through a lot of stuff to find what you want, but you can’t beat the prices!

Another registry – BuyBuyBaby!

This is a great local store that just opened about 15 minutes from us, and we took a walk through and it’s wonderful! It’s part of the same family as Bed Bath & Beyond, and it looks like it—with aisles of merchandise stacked to the ceiling. (For the anal organization part of me, it was heaven and I fell in love.)

Of course, they have mostly the same stuff as Babies R Us, but it seems they have a much larger selection (although, I am sure the Jacksonville store was small in comparison to the stores around here). I put a few things on the list that we liked, but really they are just ideas. I also don’t think I duplicated anything. We actually went back to the store today and added a bunch of stuff…including some duplicate stuff, but quite a bit of new stuff. We still have no good idea of what we really need, LOL, so are putting lots of stuff on there.

I have also added the link to the sidebar with the other registries.

Week 33

For all the weight and bulk you’re lugging around these days, you’d think your little champ should weigh much more than a mere 5 lbs and be a measly 17 inches in height, but nope, that’s about the average size for a baby in its thirty-third week. In terms of appearances, they’re getting cuter and pudgier every minute as they pile on the baby fat for those adorable little wrist rolls and chubby toes. And as we’re sure you’ve already noticed they’re getting stronger with every passing day. Nowadays, it’s possible to observe a well-placed kick just by watching your belly—but you already knew that didn’t you? Although they’re getting stronger, your bigger-by-the-day baby is losing space to move around, so the actual rate of movement will drop off in the last few weeks, despite that powerful drop-kick they’ve been working on. Hey, did you know you’ll continue feeling their movements even during labor?