As my regular readers know, we recently had some issues with our insurance company. They threatened to drop us if we didn't get our roof replaced. When we couldn't get it done by their deadline (which was unreasonable mind you), they did in fact drop us. I submitted proof of the replacement on the same day they sent us a refund check which meant I then had to send them payment for the rest of our policy year in order to get reinstated. I'd even gotten a notice saying that our policy was reinstated a couple weeks ago.
To my horror, when I got the mail today there was a refund check from the insurance company. My first thought, "Oh no! They dropped us for good this time." As soon as I got inside, I called the insurance company and found out that not only had I paid for my insurance policy, so had my mortgage company so the refund was valid.
But.... that meant that my escrow is probably low, so rather than wait for the bank to call me, I gave them a quick call to see how quickly I needed to deposit the check and then send them their payment. Much to my surprise, I was informed that only a portion of the amount of the refund check needs to be sent to the mortgage company to cover the shortage. It turned out to be only 16.5% of the check in fact.
This particular snafu, meant that rather than my insurance company refunding me the overage in my escrow come March, I got it today. Wahoo! Oh, and I also found out my mortgage payment will be going down soon (although only slightly), because our new insurance premium is going down as a result of the new roof.
Sometimes the thing in the mail that you think is scary isn't. Sometimes it's God helping you out when you need it.
Friday, October 24, 2014
Wednesday, October 8, 2014
|A Thing of Beauty|
|Front of business card|
|Back of business card|
Hubby's had some interesting goings-on at work lately too. A few weeks back he was asked to come in to the weekly management meeting (he's not management). We thought he was going to get in trouble, but he didn't. The issue really stemmed from the day guy complaining about hubby fixing things (uh, that's his job) without talking to the day guy first (you want a phone call at 2AM or don't you want the paper to print before you get in at 6AM?). Upper management gave hubby the okay to keep doing what he's been doing, so we were able to breath a sigh of relief. In fact the only way the meeting could have gone any better for my hubby was for them to have offered him a raise (from what we understand no one has gotten a raise in 3+ years). So how surprised were we when last week hubby was called in to work during the day to help the day guy try to fix something he couldn't figure out. Day guy is almost eligible to retire and claims he knows how to fix everything there. Guess not. And how proud was I when they called hubby in because they trusted that he could do it?
As for the kiddos, my son has officially started with his FLL (First Lego League) robotics team. They have their pre-qualifiying tournament on Nov 22 so they are meeting twice a week for at least 2 hours each day trying to get ready. Fun times for Mommy and Daddy.
This year my daughter is signed up to participate in a mini-horse class. She meets every other week for 3 hours each time and is learning how to care for a horse as well as how to train it to jump (and maybe pull a small cart later in the year). She's having a blast.
|My daughter walking "her" mini-horse Headliner|
|Making a stop animation film|
|"They are really soft."|