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Saturday, February 27, 2016

Undocumented came I



I landed on these these shores as an undocumented alien. That's what happens when your wallet is lost in a shipwreck. It's been educational.

Fortunately, my lovely wife had my passport in her purse, which went into the ditch bag. While I couldn't access any of my funds, she had debit and credit cards to at least some of our accounts. To be honest, her purse ended up in the ditch bag mostly because that's where her medications were kept. That was super important in the short term, but after the initial crisis the financial and paperwork stuff grows in importance.

I'm a big believer in dealing with local banks and credit unions. My day to day finances are run through my local institutions. When problems arise far from home they can't do much for you. For example they are unable to ship new credit and debit cards. They can only be sent to my home address or picked up at their local office. That's not much use when their nearest branch is 1700 miles away.

That's where a credit card from a national bank comes in handy. To take advantage of a $100 credit I signed up for an Amazon credit card. They are serviced by Chase bank, which I only discovered once the card came in. Maybe I should have read the small print? While I don't much care for them, they were able to send me a replacement card with just one click on the web site.

My local bank was able to send me some emergency blank checks so I could pay some bills the old fashioned way. Yep, I wrote checks, just like a dibble stick barbarian. Of course, not everyone takes a check these days, so that Amazon credit card came in real handy for gas and groceries.

One thing that really hit me was that my life is too complicated and there's only so much that can be done about it. The normal monthly bills can be set up to be automatically paid or paid on-line. What gets lost in the shuffle are bills that come in on an irregular basis.

Medical bills are the worse. Insurance pays for part of it then weeks or sometimes even months go by before my share is figured out. By then we we are on the road. The mail bounces around to different forwarding addresses. By the time it catches up with us they may have already sent a second bill.

Heaven forbid they mess up the billing on their end. Currently I'm trying to sort out a small insurance bill that they sent out about four months late. Then it took another 6 weeks to catch up to me. I think I've got it figured out -as long as they don't send me anymore paperwork. Tedious stuff.

Would you believe I worked hard to simplify our finances before setting out on the road? Good thing I did as it would be a royal mess by now. There's a cost to living in the modern world.

One weird thing about washing up on the beach with no money, identification, cards, documentation, and just the clothes on my back -I felt pretty good. I'd survived and the rest of this paperwork crap really isn't all that important in the big scheme of things.

-Sixbears

8 comments:

  1. Some local hospital bills have begun trickling in - 4 months late- to us. We wonder if they had a change of staff in the billing department. It's a nuisance.

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    1. Then they expect to get paid right away.

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  2. I have found that the roll-top PVC coated dry bags as used by the white water crowd are quite bomb proof and make for good safe storage of critical items. On more than one occasion I have been maytaged and cameras, documents and electronics have survived undamaged. As for banks you can't beat your local credit union. If the manager knows you personally problems are more often than not sorted with a quick phone call. Mine even phoned me once, within an hour of placing an internet order, to confirm on an unusual book purchase I made from a vendor in Greenland. Can't beat that for personal service and attention to detail.

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    1. Our go bag is one of those roll top dry bags. Worked pretty good. However, the second one left inside the boat was full of water. Guess the seal didn't work all that well when the boat was 10 feet underwater for hours. Only had coats in it so no big deal.

      I've been shifting accounts from my local credit union to my local bank. The CU got bought out and service has been terrible.

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  3. After a disaster, it can be almost if not impossible to get everything back as it was before it happened. Get as much recouped as possible and move on.

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    1. That's it exactly. There are some things I've decided to do without. Other things just cannot be replaced. Good thing it's just stuff.

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  4. Sometimes a credit card comes in handy! Glad you start getting the paperwork straightened out.

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    1. been working on it since we lost the boat. Of course, we took a break when we went to the Bahamas.

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