Moving Quotes And Changing Plans

For the past week I have been busy not only prepping for settlement day (which has been pretty smooth thanks to those at the bank and our realtor) but also preparing for moving day which has been a little move involved. Having received quotes from about a half dozen companies in the area, it is amazing to see the difference in how the prices are calculated. While not as expensive as I had originally expected, it is still not a cheap proposition especially when you ask them how much it would cost to have the company pack up your belongings as well.

The range of prices that I received was rather staggering starting at the low end at $700 all the way up to a ten times multiple of that initial figure. Surprisingly the economic company that we used for our last transition, Two Men and a Truck, was the most expensive (by a wide margin) because of the fact that we are moving just outside of their ‘service area’. In the end, we didn’t go with the least expensive but rather the company that seemed the most inclusive, had the appointment available for tomorrow, and was reasonably priced (still on the much lower end of the range).

However, nothing ever goes as smoothly as it should and that was definitely proven about a week and a half ago when I got a call in the early evening which changed our plans. Who called? The realtor representing our current landlord… he wanted to start showing the townhouse in a couple of days. Keep in mind that we gave notice with our September rent check so he could have coordinated this whole process months ago.

Having not packed much of anything at that point I quickly rejected his proposal pushing the earliest possible day to this past Sunday also adding the reminder that we have a 9 month old and he will have to be flexible in scheduling appointments. What realtor in their right mind calls a tenant and asks to begin showing the apartment in a couple of days?

So, since then I have been packing the house deep into the night and making friends with the sales people at Staples, Home Depot, and Lowes. With an evening to go there are only a few more boxes left that need to be packed, the bathrooms and kitchen have been cleaned, and we are, for the most part, ready to move on down the road in the morning. One more night with the preamble coming to an end and the real story beginning tomorrow.

Son Of A… Beach

Kiss my seagull arse!

Yes, the title of this post has become quite the cliché especially in recent years. However, it seemed to be the most appropriate collection of words to convey some of the experiences from this past weekend at the shore. While I grew up going down to the New Jersey beaches, as I have gotten older they have become less and less appealing. Some people find the sand and salt air in the southern half of this communist state enjoyable and even relaxing but my experience is definitely at the opposite end of the spectrum. Obviously, heading east from my office is not normally a direction I would chose to travel but my wife and I received a generous offer to spend some time near the beach so off I went.

After a long work week I got in the car and headed over the iron river and into the communist state. Almost as soon as I crossed the halfway point over the bridge and into the dark side, the traffic came to a halt. This seems to be a regular occurrence during my rare travels into the restrictive boarders of New Jersey and would prove to be a pattern throughout our brief time east of civilization. Adding to our relaxing travels was the use of the New Jersey turn signal. As many of you know, this can come in two forms either an imaginary notification to drivers behind them or a single blink halfway through the turn. Either way, it is a marvelous way to drive. As the smell of seagull arse grew stronger, I knew that I was getting close to ending the three hour trek down to the beach.

Finally, people started leaving for the day!

With a night of sleep behind us and the morning coming to an end, we walked out to the car and back on the road to visit the places we frequented during our childhoods. While there were a few similarities to the memories that we continue to carry with us, there are also tremendous differences that we immediately noticed. In addition to the obvious overgrowth near my wife’s childhood vacation spot in Cape May, one of the houses I remember fondly in Ocean City was completely gone. It may not be practical but I guess that is one way to get rid of the streaks left by a dog dragging his butt across the carpet.

However, the one thing that each of those towns had in common was the crowds that filled the streets and sidewalks. Even during the peak times of summer, I don’t remember that many people flooding the shore points years ago. And while these were never cheap places to begin with, the few signs that we did see included a noticeable increase from those days past. I know it has been ten or twenty years since I spent any substantial amount of time there but those prices were well beyond normal inflation over time.

However, there are some things that stay the same. Most notably is the inconsiderate atmosphere that still proves pervasive during tourist season. There are too many examples to cite here but I am sure that many of you know what I am talking about… especially those who have spent time at the Jersey shore. Much of this stems from congestion and, given the increased number of people flooding the beaches, it is only going to get worse. Combine that with the entitlement that fills the air and this destinations along the coast are far from relaxing. This is probably why we were more wiped out after a few days at the shore than we were after 10 days and 2500 miles traveling throughout Virginia. I think we will continue sticking with the mountains.

That is so flat it's disturbing!

Where Did All Of Our Money Go?

Every couple of weeks I look at my pay stub and go through the growing list of deductions from my pay… taxes, 401K, and healthcare. Taxes have always been relatively consistent (too high and annoying but consistent), the 401K contribution is something that I set (this I hope to increase in the future), and the healthcare costs have gone up over time according to how many people are covered under my plan which now covers my whole family. However, it is this last significant deduction from my pay that is really annoying. Not because of the direct costs outlined in the deduction but because of the high costs that my wife and I have encountered recently.

For years, every month we have encountered a co-pay in one form or another, office or pharmacy, that is in addition to the insurance premium that we have already paid for that month. Over the past year, those required payments have become more frequently as we have had more doctor visits and prescriptions that needed to be filled. However, these last few months have been atrocious and it really makes you wonder where the money is going. Since our son was born, we have sent out checks for approximately $2500 just to cover the astronomical co-pays. I have seen enough doctors during my life that I have gotten used to the various expenses associated with healthcare but this is simply ridiculous.

I can hear some of you now saying this is why we need Obamacare. Well, in my experience, that is a load of crap! While the delusional utopian concept is intriguing to many it is not something that fits into the confines of reality. This is why we have seen those premiums increase faster since the bill was signed than at any other point in history. Additionally, due to the ridiculous requirements therein, not only have the premiums gone up but the co-pays have seen a sharp increase as well.

Of course, there is also the basic employment fallout. I know for a fact that many employers have set limits on hours simply to avoid having to offer healthcare benefits. Frankly, I have no problem with employers not offering benefits to full time employees so long as said employees understand that they will not be offered. So, instead of someone getting paid for 35-40 hours per week, they are limited to 29.5 hours per week. In the end, they still aren’t getting benefits and now have less money in their pockets.

Furthermore, there are some benefits that were being offered to those who worked 30 or more hours per week. A perfect example that I have seen is that of extended leave. However, because hours are now eliminated that benefit disappears as well. So not only are you getting paid less at the end of the week but you are also losing some of the benefits that you once had. An when you go back to the original gripe in this post, you are also going to pay more for insurance and more in co-pays. You couldn’t afford to get sick before and you still can’t afford it now. Thanks Obamacare!

Maybe we should focus on making sure people can have jobs where they can work full time hours. Maybe we should stop regulating and forcing coverage on people and stop strong arming companies to cover employees. Maybe we should address the high premiums and co-pays that have become the accepted norm in this country. Maybe we should provide a true freedom to choose to have coverage and what coverage to have, whether someone is willing to take a job without healthcare benefits, and whether an employer offers healthcare benefits. Maybe this is the change that we really need!