I am not a wealthy woman. I work for a non-profit, so by choosing to work for cause over commerce I already accept a reduction of my earning potential by accepting that any discretionary dollars in our organization are deeded to mission rather than paychecks. It is also a fairly well-known fact that women take on average a 30% earning hit just because of their gender. Still, when it comes to hard times, I look at my community: our schools, the services that we may not use every day like the firefighters, police and emergency response, health care, resources for the unfortunate and the needy, and the public library; and wonder how at least half of this country think they shouldn’t have to pay for anything they don’t use? How did we as a country become so selfish?
I believe that even though I’ve taken pay cuts and a voluntary freeze to my salary, the current budget balancing strategies facing local, state and federal government look as if they will create an even wider divide between the haves and the have-nots. Is the “no tax increase” lobby so powerful that it can ignore the voices in our cities that are chanting much like Dr. Seuss’s Whos from Whoville “We’re here, we’re here, we’re here!” Prior to the “occupy” movement, I was one of the invisible tax payers that was willing to pay more and sacrifice more to have what I believe is a civil society. I believed that intelligence would prevail and that we would do what all families teach their children to do: sharing, exercise the golden rule, and make decisions based on the good of the whole. I belived that we would cinch our belt, make some temporary sacrifices, and take steps to make sure we got through this rough patch together. That was before we found out the banks that we thought too big to fail, flaunted their profits and showered their leaders with compensation nothing short of obscene. It was before the greed of the financial sector was exposed as people lost their jobs and their homes. If even a tenth of the creative enterprise that was used to help squeeze another one-tenth of a percent of profit from all of us unsuspecting “customers” had been redirected into solutions that would allow people to keep their jobs and their homes, this country would be in a far better place.
This summer I had a taste of the disdain and arrogance of both the banking system and the insurance sector (two sectors now raking in the profits). After a water break in our kitchen, it took every ounce of diligence, tough talking, and doggedness to get the insurance company to release funds to have the repairs done (we had complete replacement insurance). Remember, this is money that we as customers paid to the company giving them the opportunity to earn interest on, and they act as if we are the conniving enemy trying to bilk them out of “their” precious assets. Our mortgage company insisted on being co-signers on the insurance check and then proceeded to hold the funds until we could prove the repairs were completed. You see they had a “vested interest.” Let me know if you know anyone who will work without getting paid? After three months of circular arguing, I finally said (well maybe yelled) “Shame on you! You should be embarrassed to look yourself in the mirror everyday based on your policies which are designed to hold customers funds in order to earn profit." It made no difference to their policymakers that we were left with no water, no appliances, and no resources to get repairs underway. I finally had to take out a personal line of credit to get the repair work done (yet again giving banks another opportunity to earn interest). I threatened that I would be moving my business, and I will make good on that promise once they release our insurance funds that they haven’t paid one red cent for.
Do I understand the anger from the “Occupy” protests? You bet I do. Am I going to pitch a tent and take up residence in a town center anytime soon? Probably not. But here’s what I am doing. I am listening intently to the elected officials and seeing who “gets it” as they craft their budget proposals and their campaign promises. I’m tallying who understands sharing, the golden rule, and the good of the whole. I’m looking at the vendors that I do business with. What are their values? Are they willing to go the extra mile for the rest of us? I’m paying attention where my food comes from and I support my local farmer and I'm willing to pay a bit more to support sustainable business practices. For the holiday season, I’m going to seek out individual artists, craftspeople, and businesses (like our local performing arts institutions) that are privately held or community supported to do my shopping. I know both government and business are necessities for a healthy society. But there are people like me that will vow to hold them up to a higher standard.
So consider me pre-occupied. Even though I don’t carry a sign or chant a slogan, there are a few things that I guarantee you that I do: I vote, I read, I advocate to my friends and acquaintances, I support those who have the greater good in mind, and I keep my promises. And I look for businesses and elected officials that do the same.

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Insurance
Kelly,
You are painfully learning, as many of us already have, that insurance companies operate on the principle of maximizing premium income and minimizing claims payouts. The regulations, as you may know, for the insurance business are decided at the state level by your legislators and governor.
So anyone who has "beefs" about insurance companies should address these issues to their elected officials and "hold their feet to the fire." Each state has a department in the executive branch (in Minnesota it is the Commerce Department) that will accept and review any insurance complaints but don't get your hopes too high (for the reasons noted below). Some of these state departments with a more active citizenry demanding it, maintain on their website a posting of any complaints submitted so that everyone can see which insurance companies generate the most criticism and for what reason. But, believe it not, a number of states do not provide this service that allows consumers (policyholders) to see the overall picture of insurance operations. Why? (see below for the most likely reasons). You may be interested in finding out whether your state publishes complaints for everyone to see. If not, ask your legislator why this information isn't made public as it is in many other states.
Especially because of your bad experience, you will be interested to know (if you don't already) that insurance companies know who "butters their bread" and rewards these "butterers" accordingly. I am talking about lobbying. If you can, find out in your state the special interests like the insurance industry that spend the most on lobbying, and you may be in for UNPLEASANT surprise, as I was.
In a recent year in Minnesota (my state), a major newspaper investigative report exposed to "daylight" what is going on behind the scenes as far as lobbying. You guessed it!! The insurance industry spent the second largest yearly amount (after the Education Association or teachers) on lobbying, namely almost $500,000!! With that kind of money, the insurance industry can pretty much influence politicians to "tailor" regulations favoring the companies rather than policyholders. In the rare instances when the industry doesn't get its way, the next tactic in their "tool box" is threatening to take their "ball" (like a disgruntled kid in the sandbox) and go home; that is, cease doing business in the state. That threat usually makes the politicians give in immediately to the industry's demands.
So you can blame your state's politicians (and the insurance lobbyists) for whatever strange demands your insurance company made of you before paying your claim. Start by submitting a complaint to the appropriate state department, but, as stated above, don't "hold your breath" for action favorable to you, because the whole system is rigged against you in favor of the insurance industry.
I was surprised that no firm in your area would complete the required repairs until you had paid the entire amount PRIOR to starting the work (if I understood you correctly). My son is actually a partner in a construction company in my area; so I know from him and my own experience that standard project contract here calls for an upfront payment of no more than 50% and the remaining bill does not have to be paid until the work is completed to your satisfaction. Contract law is also written at the state level; so you might want to take up this issue with your local politicians as well. It sounds as if the citizens in your state need to become more active so these laws are at least equally as favorable to the "little guy" as they are to construction firms writing these contracts.
It's amazing, isn't it, what we find out when "the curtain is pulled back" to reveal what is actually going on in government. Did you hear the recent revelation that all these years members of Congress ,with knowledge ahead of time how their legislation/appropriations will affect particular businesses/companies, are exempt from insider trading restrictions (when they obviously have insider knowledge), enabling them to collectively make millions of dollars on this kind of stock trading alone. That helps to explain the amazing statistic that almost 300 members of Congress are millionaires or wealthier.
Best wishes in any of your activism to change our rigged system!
Brenden
A few pieces of the puzzle
Brenden,
Thanks for your thoughtful reply. Just a few pieces of the puzzle, yes, our contractors did begin work with 30% down, our cabinet shop 50% down, etc. I went local and they were patient and great. But still I had to come up with those funds while the insurance company and mortgage company argued about whose money it was, etc. The repairs were completed over 1 month ago and still we wait to be reimbursed. I have talked to our insurance commissioner in our state as you suggested.
Here is an interesting fact. After the Katrina disaster, many insurance companies paid out claims and people took the claim money, left town and abandoned their property leaving the banks with the unrepaired property. A federal law was passed that now gives mortgage companies/banks control of insurance proceeds on claims above $10,000 to protect their interest. The only way to avoid that is to negotiate that out of your mortgage contract (good luck) or to have your insurance company break the amount into separate claims (good luck).
I did find out that you can demand the interest earned on the proceeds held by the mortgagee, but they won't pay it unless you demand it. In today's market that should equate to about a half of a percent, but it's the principal of the matter.
Kelly
Principle of the Matter!
You got that right. It is the principle of the matter. Good to hear you are being pro-active in protecting your interests.
Be well
Brenden