The art of work

The product of work can be a magical scene.

Evaluating insurance

Things change over time and economics of insurance change as well. Costs to the consumer of these products are going up with no perceived benefits. Costs of cars and prebuilt kit housing has come down to a point where a total rebuild is in the reaches of of say a three year pay back period. that is the wage of say 80 thousand dollars a year and the all be it small house is in the vicinity of 80 thousand dollars for a kit home placed on your property. The pay back period wold be about four years using one quarter of your income.
Bear in mind that you may not be covered for the calamity that strikes you anyway. Then if you are lucky enough to have this calamity strike and the government declares a national disaster you may be covered by a government hand out.
So how much risk are insurance companies taking? It seams not much as in my case paying for insurance for five decades and making a small claim and then not going threw with the claim because of increased policy costs and fixing the broken window myself and the other damage vandals caused whilst I was not there.
Then all the interest I could have gotten from the premiums plus the premiums would have built several houses.
Then there is the importation of kit houses from china all flat packed and prewired and erected in the same time as it takes to erect a garden shed for the cost of $10.000 for a four bedroom house.
You can get relocatable houses on EBay for similar prices. Then there is the way we use houses where the trend is smaller is better if you are to believe the small house movement.
The younger generation are giving up on home ownership because of costs and we will see a move towards traveling houses and the like. The older generation are going on the road and downsizing leaving large houses hard to sell. Smart young entrepreneurs buying large houses and turning them into duplexes.
Yes things are about to change dramatically.

Home Insurance

What are you covered for? Well not much it seams, It would be easier to tell you what you are covered for, But they are keeping that to themselves and if you try to read the policy you will be in for a shock.
Terms like we do not cover xxxx and yyyyy but if there is a local event we might cover something. They determine weather there is a local event!
If you fail to tell them something like the date or Mrs Jones cat has fleas they wont pay, because pets ain't covered at that time or date.
If it was tomorrow they will cover it but today they wont cover it.
The examples they will cover are so remote from reality they would stop the claim cause you are stretching the meaning of the policy and so are not covered on this day.
What are you covered for I don't know as to make a claim one would have to be creative and not to stretch the imagination to far. For even stretching the imagination could cancel the policy and they have the right to do this at any time so it seams. No don't expect a refund of your policy as it has run its time on cancellation.
Insurance fraudulent claims. This is interesting as you can be charged with making a false claim with penal charges laid against you. Then your policy is terminated as well.
Good luck with your next claim.
I will still be trying to word my claim so as not to void the policy and the claim go threw.
I think I will get a solicitor to do it for me.
Don't have a policy that's OK put a claim in anyway you will probably have more success and they wont cancel your policy as you don't have one.

Cheers Iggle

Tiny house

I love those tiny houses and then thought turn it up side down so to speak. Put the bedroom underneath and the kitchen on top this would give a split leavel effect and do away with the ladder and the stairs going to the top level could be a seat. Being higher in the kitchen would give better views to the outside. Cheers to all and have an amazing years to come. Iggle

One of my play grounds as a child

As a child of 9 I used to play in this location and even to this day it can be seen on google earth at this location. -30.379037, 152.719818 Lightening used to strike the ground about a kilometer to the right of this spot with regular abandon and when it even looked like storms one would never go there. The noise of the lightening and the loud flashes was a frightening thing to experience as a child.
Show on Google Maps

Incompidence gets rewarded

I have seen over the years where craftsman did magical things with there tools and there minds on the jobs that they were performing. Watching an artisan working is a joy to my eyes.
These men never get promoted for they are too valuable on the shop floor which is a pity not only for the man concerned but for the company that they work for. These are the men to emulate the mentors in there fields, it is so sad that the younger generation have been dumped on by the impure and improper. Respect for the elderly has gone replaced by abuse and sometimes even violence.
How different things would be if the leaders of our countries and companies were craftsman and entrepreneurs, people with vision and integrity.
Alas this is but a dream. The below video shows this in action.
http://www.youtube.com/watch?feature=player_embedded&v=TvP9mSXVVxw#!

Insurance policies

Did you know that it is something like 90% of insurance policies never get claimed on. I have a insurance policy that covers landlords and the income. I asked about claiming massive damage done to one of my properties that the tenant did. Guess what I am not covered for damage done by a tenant even if the tenant burns the house down. The fences have been destroyed the shed has had the wall torn down and used for fire wood. All this timber was treated 150x 200x 500 blocks that was stacked and screwed like bricks all gone and not replaceable. Total damage bill in excess of thirty thousand dollars. I worked hard for what I have and to have the grandson of a friend of thirty years destroy it all. This was to be my retirement fund. Ducks in the bathroom bath tub and a dozen cats. The mould has destroyed the house from the inside. Then to top it off told to get off my own property.
Then there is the drug crop in the back yard and as a landlord I have been put in the position of supplying a place to cultivate and sell drugs with its jail term and the confiscation of all my property as product of crime.
I see here in this area where I live on average one house every two months gets burnt down at a huge cost to the community. All threw drug suppliers burning out the opposition. I will sell my properties and spend the money if I can cause there probably is a law against that too.