Oh, the Clark’s boots! I wanted to keep them so badly that I took them to a long established boot and shoe repair company in Wayzata, Minnesota, Bob’s Shoe Repair.
I picked them up yesterday and couldn’t be happier. The cost for the repairs: $100. Total investment in the boots including repairs: $249. With the promise of a great rating online, I offered the seller of the boots a five star rating, if he’d credit me the $14.95 I paid for shipping. He immediately posted the credit to my PayPal account.
Why did I deserve a credit for the shipping? The online description of the boots indicated a 14″ calf circumference when in fact, it was 16″ resulting in the necessity of the repair. I would have been satisfied with 14″ circumference. (My outrageously skinny calves measures 12.5″). Now, I’m beautifully repaired, I’m content.
The sinus infection I reported on two days ago is improving without seeing the doctor or taking antibiotics. The pulsating headache would have driven me to seek help had it not begun to dissipate later in the day yesterday. Today, I awakened with only a slight headache for the first time in eight days. It’s on its way out.
In the beginning stages of figuring out our insurance needs, I spent a few hours yesterday with our long time highly competent broker/owner of our local State Farm Insurance office, Chad Babcock. Having worked with State Farm for the past 40 years, we have never had a problem.
Before we begin traveling we must address these three major insurance concerns:
With Chad’s help and a few phone calls later at home, we came up with the following scenarios:
As of this writing, I had a light bulb moment! Duh??? This is not rocket science!
Plan B: The only difference is 14% (based on the 80/20 coverage without the supplement, as opposed to 94% coverage with the supplement). Then, we purchase the “big guns” policy for me with a $1000 max-a-year out-of-pocket policy with no limits? GRAND TOTAL FOR BOTH: $531 a month!!
The financial risk for me?? None! The financial risk for Tom? We’d have to pay a maximum of 20%. Sure, I did the math, the savings of $207 a month over let’s imagine five years, is $12,420. If he had a $60,000 medical bill, we’d be even.
For now, until we get our feet wet on this adventure, its worth the risk. In the meantime, this pays for the insurance on the rental cars. (If a traveler has an accident in certain foreign countries and doesn’t have insurance, they can be detained until the bill is paid in full.