Showing posts with label policy. Show all posts
Showing posts with label policy. Show all posts

Sunday, October 5, 2025

brief encounter

I was sitting at my desk at work when my phone rang. Not my desk phone. My cellphone. If my cellphone rings, and it's not a number I recognize, I do not answer it. I hate to talk on the phone and I certainly don't like to waste my time talking to someone I don't know well enough to have their phone number programmed into my contacts list. I stopped what I was doing and picked up my cellphone that was charging on a pad on my desk. As it continued to ring, the screen displayed the name and phone number of my insurance agent. My insurance agent retired a while ago I want to say months, but, lately I have come to realize that I have no skills for gauging the passage of time, so, it was probably more like a few years ago that he retired. As part of his retirement, he passed his customer list over to a new agent. The new agent kept the same phone number. I just never bothered to change the name to the new agent's name in my contacts.

Not my agent.
Regardless of who my insurance agent is, I still pay premiums on my car insurance, homeowner's insurance and life insurance when the bills come due. I pay them online, through the State Farm website, with just a few clicks of my mouse. And that's it. I really don't give much thought to my various insurance policies. I know the insurance on my car went up a few years ago when I replaced my twenty-year-old car with a new one. Spoke with an administrator in the office of my new insurance agent about the new rate and to update my policy with the pertinent information for my new vehicle. Aside from that, insurance is rarely, if ever, a topic of conversation.

Ummm... no thanks.
So, there's a call coming in from my new insurance agent. I stared at the display briefly before declining the call and getting back to work. I was surprised when I didn't hear the little tone that lets me know that someone had left me a voicemail message. I didn't dwell on that thought for too long, as I had work to do. As a matter of fact, I totally forgot about the whole thing.

Just this week, there I was at work again and my cell phone rang. Again. In a wave of
deja-vu, I looked at my cell phone screen to see the name of my former insurance agent shining brightly above the options offered to either accept or reject the call. And, once again, I swiped the "red" option to reject the call and returned my attention to my work. This time, however, I heard that little "beep," alerting me that the rejected caller had left me a message. Since I knew who it was from and I knew I had no pressing business with them, I decided to wait until later in the day to listen to the message.

You've got mail
When I got home from work, my wife and I talked while we prepared dinner. The call from the insurance agent didn't even breach the conversation. After dinner, Mrs. P and I settled in front of the TV for an evening of sixty-year old Westerns or perhaps a Phillies game. With only half of my attention on the television, I noticed the little "voicemail" symbol on my phone. I punched in my security code and listened. A female voice identified herself as a representative from my new insurance agent's office. She went on to say that she'd like to discuss my insurance needs. She explained that she'd like to schedule a conference call with my new insurance agent that would take about thirty to forty-five minutes. She then instructed me to call back to set up such a call, reminding me of the call's importance.

When my wife and I bought our house in 1986, I called the closest insurance agent to our new home to get the homeowner's insurance required by the terms of our mortgage. I went to the guy's office and discussed the particulars. As long as I was there, I inquired about car insurance rates and was quickly presented with a list that was considerably cheaper that what we were currently paying. At the end of a meeting that took under ninety minutes, I walked out of the insurance agent's office with policies for homeowner's insurance and two new, less expensive, ones for our cars. The following year, when our son was born, I arranged for a life insurance policy for myself. That was done entirely over the phone by my agent's assistant. Over the years, we have had several claims on our insurance policies, most of which were handled on the phone. If any required a visit to the insurance office, either I or my wife, dealt with our agent's assistant. So, over the course of nearly forty years, I met my insurance agent a total of one time. Now, he is retired. If he decides — in his retirement — to turn to a life of crime and he is arrested, the police cannot rely on me to pick this guy out of a line-up.

I really, really want to call my new insurance agent and explain to her that I see no need to meet with, conference call with, or otherwise relate the current or future status of any of insurance policies I currently hold. If I feel the need to increase, decrease or otherwise alter my current insurance situation, I will surely let her know. In the meantime, I'm good. I'd also like to tell her that the one and only time I ever met my previous insurance agent was, most likely, before she was born.

I really, really want to. But I won't.

Sunday, March 23, 2025

if I can't have you

On Sunday, my wife and I took our son to one of his favorite stores - H Mart. We actually live equidistant from two H Marts, but he chose to go to the larger one. (Just as a side note, the smaller H Mart is the actual one that is referenced in Michelle Zauner's best-selling memoir Crying in H Mart.) Okay, maybe the larger H Mart is a bit further from our house than the one that traumatized the lead singer of Japanese Breakfast, but, nevertheless, we obliged my son and his shopping list and drove the extra mile.

This particular H Mart is at the end of a large, L-shaped shopping center. Closer to where we parked in the very busy, very congested parking lot is a Family Dollar store. When we got out of our car, my son made a beeline towards H Mart, while my wife announced that she was going to check out the Family Dollar store and we would meet up with him shortly. I had never been in a Family Dollar store, despite their having over 8000 locations nationwide. As a matter of fact, before their 2015 acquisition by rival Dollar Tree, Family Dollar was the second largest retailer — of its kind — in the country.... and neither Mrs. P nor I had ever been inside one. Well, that was about to change. As they say, you're never too old to do new things... although I suppose the proverbial "they" were referring to skydiving or learning a foreign language.

Excitedly, we breached the door of Family Dollar and — let me tell you — this place was a shithole of the highest level. I mean it put other shitholes to shame! If they gave awards for shitholes.... well, you get it. I'm not sure what I was expecting, but I should have been expecting the same strange amalgamation of mismatched, out-of-fashion, discontinued, brand name knock-off crap that I have seen in other dollar stores. Family Dollar was no different. Its aisles were alternately jammed and empty. Some were stocked with big bottles of laundry detergent whose alternative brand labels were faintly reminiscent of Tide or Cheer. Adjacent aisles sported empty shelves with just one or two items — a pair of generic sneakers and a few cookbooks by a TV chef whose show has not presented new episodes in years — and all sorts of other merchandise littering the floor. The toy department displayed boxes of things that looked like Lego alongside packaged superhero figures from a movie that made its big premiere in theaters for the lucrative Christmas season... the Christmas season of 2019.

Mrs. P, with her keen eye, spotted a small counter display box with PVC figures of characters from the film The Nightmare Before Christmas. These, she thought preemptively, could serve as small gifts for children (neighbors that Mrs. P undeservingly fawns over) or could eventually make it out to one of our world-famous (or neighborhood famous, at least) yard sales — if they were cheap enough. There was a small sticker on each figures' backing card that showed the price as $1.25. Mrs. P grabbed all of them (about eight or nine) and handed me the box to carry as we scouted the store for more "treasures." In the very next aisle, there were hooks of various hair accessories. "Ooh!," my wife said, "I should grab a couple of hair ties for my mom." Mrs. P — as we have already established — is the nicest person in world. She regularly checks in and tends to her parents who are of an advanced age and are not nearly as mobile as they once were. Especially, my mother-in-law. On a regular basis, Mrs. P washes and combs her mother's hair, often tying it back to keep it neat and out of the way. Being the nice person she is, my wife thought some new hair ties would be a sweet surprise for her mom. She selected two different styles and tossed them in the box with the Nightmare figures.

We made our way through the narrow aisles until we decided we had seen enough. (Actually, I had seen enough as soon as I walked through the doorway.) Anyway, we took our small purchases up to the checkout counter and laid them out. We were greeted by a friendly young man who picked up the first figure and waved it across the electric eye of the price scanner. It beeped and the LED readout on the cash register showed ".01." The cashier scrunched up his face at the price and turned to another young man who was by the doors straightening the small shopping carts. The other man craned his neck to see the lighted display. He explained to the cashier, "If something comes up 'just a penny,' that means you can't sell it. It's old merchandise and you just gotta throw it away."

I have been shopping in stores for many, many, many years. I have even worked in my share of retail stores, some on the large chain level and others of the "Mom & Pop" variety. Never — and I do mean never — have I ever been instructed to throw away a perfectly saleable item — in full view of a customer — because a "secret code" price popped up. But this guy stood firm. He was adamant about not letting the cashier sell these figures to us at any price. He stood by as the cashier gathered up the nine or so figures, walked them over to a nearby trash receptacle behind the counter and deposited them with an audible clunk. He returned sheepishly from carrying out his duty as a loyal and abiding employee of  Family Dollar and asked if we still wanted the hair ties. The man who was straightening the shopping carts stood defiantly with his arms crossed, a smirk on his face, silently exuding pride in his flagrant toeing of the corporate line.

"Yes, please," replied Mrs. Pincus and the cashier continued to ring up our remaining item, in this case, just the hair ties. A woman, in some managerial capacity, stood behind the cashier and slowly shook her head in soundless disagreement. Once the now-abbreviated transaction was completed, we left the store. Mrs. P politely held the door for someone who followed us out. It was the manager woman, whose shift for the day had just ended. We all walked out to the parking lot together. The manager woman was still shaking her head, adding a few "tsk tsks" under her breath. Mrs. P chuckled. The woman smiled and said, "I would have sold them to you or just given them to you... if he wasn't there." The "he" was obviously the shopping cart straightener whose job — it appeared — also included loss prevention, inventory control, corporate policy and telling the teacher it was five minutes before three o'clock and homework had not yet been assigned.

We took our purchases — our two purchases — to our car and tossed them in the back among a collection of shopping bags, a few empty boxes and  assorted other items that have accumulated in Mrs. P's vehicle. We went to meet our son in H Mart.

A few days later, Mrs. P asked if the hair ties she bought for her mother ever made it into our house. I said I didn't bring them in and I wasn't sure where they were. She called our son to see if he inadvertently picked them up along with the stuff he bought at H Mart. He had not. Mrs. P looked in the back seat of her car. She looked in the surplus bags. She looked in the boxes. She even checked with her mother's belongings to see if she brought them in to her parents' house and simply forgot. Nope. Nothing.

I am never going to Family Dollar again.