In case you missed it…

Tired of panhandlers, not only downtown, but at stop lights?  Check out this great column by Abdul-Hakim Shabazz (been a fan of his since his days on 1430 am when it was news radio), he always has a great take on Living in Indy…

Abdul: Turned down by Indy’s stingy panhandlers

I’m back…

Yes, I’ve been gone…so many things to update you on!

First and most importantly, I’ve moved!  Last year I wrote a few posts about helping my friend Kate purchase a co-op in Irvington and another couple about the Irvington area…well, now I’m a resident and Kate’s neighbor!

I now live in a townhome…basement, main floor has a living room, dining room and kitchen, second floor has 2 bedrooms…well, actually 1 bedroom and a dressing room (built in 1917 = no closet space, turned 2nd bedroom into a dressing room!) and a bath and lastly, the attic space has been finished and makes a perfect office!  I have a 1 car detattached garage and have finally stopped shutting the door while still sitting in the car, getting used to a garage NOT attached to the house has been one of my biggest challenges!

I love my new neighborhood!  Kate and I walked to dinner at Legend and stopped for ice cream at the new ice cream shop on Washington Street.  The very walkable lifestyle of Irvington is fantastic!  September is the Historic Home Tour…and I am participating – more on that another day.

In addition to moving, unpacking, etc., my business has been going very well, several closings over the months of June and July and many happy families.

Most importantly, an update on my beautiful nieces:  Allyson and Jordan graduated from high school, Michelle is engaged to Zack and I went on a short trip with Ashley, Riley and my Parents…it’s been a crazy couple of months and I have enjoyed every bit of it!  Ashley and Riley will be the first of them to see the new place (Sunday) can’t wait to hear what they have to say about it!

Hope everyone is enjoying their summer and look forward to Living in Indy being back on track!

For Home Tour

Vicki Reed

Just a little funny to make you smile…

Read this on Facebook last week and it made me smile, thought I would share…from The San Francisco Globe

THE SHOEBOX

A man and woman had been married for more than 60 years. They had shared everything. They had talked about everything. They had kept no secrets from each other except that the little old woman had a shoe box in the top of her closet that she had cautioned her husband never to open or ask her about.

For all of these years, he had never thought about the box, but one day the little old woman got very sick and the doctor said she would not recover.

In trying to sort out their affairs, the little old man took down the shoe box and took it to his wife’s bedside. She agreed that it was time that he should know what was in the box. When he opened it, he found two crocheted dolls and a stack of money totalling $95,000.

He asked her about the contents.
‘When we were to be married,’ she said, ‘ my grandmother told me the secret of a happy marriage was to never argue. She told me that if I ever got angry with you, I should just keep quiet and crochet a doll.’

The little old man was so moved; he had to fight back tears. Only two Precious dolls were in the box. She had only been angry with him two Times in all those years of living and loving. He almost burst with Happiness.

‘Honey,’ he said, ‘that explains the doll, but what about all of this money? Where did it come from?’

‘Oh,’ she said, ‘that’s the money I made from selling the dolls.’

crochet dolls

 Vicki L. Reed

Great words to live by…

A friend posted this on Facebook the other day and I thought these were timeless words of wisdom from Will Rogers, who died in a 1935 plane crash and was one of the greatest political sages this country has ever known.  Enjoy the following:

1. Never slap a man who’s chewing tobacco.

2. Never kick a cow chip on a hot day.

3. There are two theories to arguing with a woman. Neither works.

4. Never miss a good chance to shut up.

5. Always drink upstream from the herd.

6. If you find yourself in a hole, stop digging.

7. The quickest way to double your money is to fold it and put it back into your pocket.

8. There are three kinds of men:

The ones that learn by reading.
The few who learn by observation.
The rest of them have to pee on the electric fence and find out for themselves.

9. Good judgment comes from experience, and a lot of that comes from bad judgment.

10. If you’re riding’ ahead of the herd, take a look back every now and then to make sure it’s still there.

11. Lettin’ the cat outta the bag is a whole lot easier’n puttin’ it back.

12. After eating an entire bull, a mountain lion felt so good he started roaring. He kept it up until a hunter came along and shot him.  The moral: When you’re full of bull, keep your mouth shut.

ABOUT GROWING OLDER…

First ~Eventually you will reach a point when you stop lying about your age and start bragging about it.

Second ~ The older we get, the fewer things seem worth waiting in line for.

Third ~ Some people try to turn back their odometers.  Not me; I want people to know ‘why’ I look this way.
I’ve traveled a long way, and some of the roads weren’t paved.

Fourth ~ When you are dissatisfied and would like to go back to youth, think of Algebra.

Fifth ~ You know you are getting old when everything either dries up or leaks.

Sixth ~ I don’t know how I got over the hill without getting to the top.

Seventh ~ One of the many things no one tells you about aging is that it’s such a nice change from being young.

Eighth ~ One must wait until evening to see how splendid the day has been.

Ninth ~ Being young is beautiful, but being old is comfortable.

Tenth ~ Long ago, when men cursed and beat the ground with sticks, it was called witchcraft…today it’s called golf.

And, finally ~ If you don’t learn to laugh at trouble, you won’t have anything to laugh at when you’re old.

Will Rogers

Vicki Reed

Thank you Andy Rooney…

As a woman rapidly approaching 50, I loved this and wanted to share…

Andy Rooney’s thoughts on women over forty, Do you agree with him?:

As I grow in age, I value women who are over forty most of all. Here are just a few reasons why: A woman over forty will never wake you in the middle of the night to ask, “What are you thinking?” She doesn’t care what you think.

If a woman over forty doesn’t want to watch the game, she doesn’t sit around whining about it. She does something she wants to do. And, it’s usually something more interesting.

A woman over forty knows herself well enough to be assured in who she is, what she is, what she wants and from whom. Few women past the age of forty give a hoot what you might think about her or what she’s doing.

Women over forty are dignified. They seldom have a screaming match with you at the opera or in the middle of an expensive restaurant. Of course, if you deserve it, they won’t hesitate to shoot you, if they think they can get away with it.

Older women are generous with praise, often undeserved. They know what it’s like to be unappreciated.

A woman over forty has the self-assurance to introduce you to her women friends. A younger woman with a man will often ignore even her best friend because she doesn’t trust the guy with other women.

Women over forty couldn’t care less if you’re attracted to her friends because she knows her friends won’t betray her.

Women get psychic as they age. You never have to confess your sins to a woman over forty. They always know.

A woman over forty looks good wearing bright red lipstick. This is not true of younger women. Once you get past a wrinkle or two, a woman over forty is far sexier than her younger counterpart.

Older women are forthright and honest. They’ll tell you right off if you are a jerk, if you are acting like one! You don’t ever have to wonder where you stand with her.

Yes, we praise women over forty for a multitude of reasons. Unfortunately, it’s not reciprocal. For every stunning, smart, well-coiffed hot woman of forty-plus, there is a bald, paunchy relic in yellow pants making a fool of himself with some twenty-two-year-old waitress.

Ladies, I apologize.

For all those men who say, “Why buy the cow when you can get the milk for free,” here’s an update for you. Now 80 percent of women are against marriage, why? Because women realize it’s not worth buying an entire pig, just to get a little sausage.

I love this!! What do you think?

KW1258-303-f77-Web-Reed (2)

Vicki Reed

Ladies…we need to talk!

This is especially for those of us over 40!

Warmer weather is approaching and I’d like to take the opportunity to bring two important issues to the forefront.

First…please, please, please look at yourself in the mirror before you leave the house…too short, too tight, too much skin…you don’t look young and sexy, you look like an old broad trying too hard to look young!  It just makes you look old, have a little respect for yourself.  Honestly, sometimes more is better and sexier!

Second…if you can’t walk in 5 inch heels…don’t try, you may look fantastic just standing there, but no one is going to think you are sexy when you start tottering away!  Duchess Catherine routinely wears 4 to 5 inch heels and walks elegantly in front of the world, if you can’t…buy something that still looks good, but you can actually walk in, it’s important that you are able to stride confidently wherever you go!

I swear I really miss the eternal wisdom of Stacy and Clinton from What Not to Wear, each week they made over women behaving like many of you…

heels

My friend Heather Swank owner of Brookson Insurance Posted this on her blog…you really need to think about this!

What Is Going On With Home Deductibles????

Did you get a letter with your home renewal this year forcing you into a higher deductible or a % deductible for wind and hail damage?  Be aware this is happening all over Indiana.  This year make sure you review your renewal for any changes like this.  
There are some basic facts surrounding these changes.  I know rates have been enough, but these changing deductibles are an attempt to change the face of home insurance in Indiana.  Indiana has seen consistent storm damage for fifteen plus years.  Each hail event we have results in millions of dollars in damage not to even begin wind, lighting, and tornado damage.  Hurricanes are no longer the big boys of catastrophe claims in the US hail has become the mass producing damage maker.  It’s because it hits every single day through storm season somewhere and now even beyond.  Late fall tornadoes, unexpected ice damage from harsh winters, and then right back into our storm season.  This has forced insurance carriers to raise pricing just to literally keep their heads above water.  On average in the US there are 12,000 hail events each year costing upwards of a billion dollars per year in damages.  Let me ask how many people have actually paid themselves out of pocket to replace their own roof on their home?  Yeah, it rarely if ever happens after so many years a storm blows in and poof a new roof.  The fact is most roofs being replaced should have been replaced by the homeowner well before that storm came along because of age and that is maintenance which is not the intention of the insurance policy to cover.   It has become an expectation of the homeowner that the roof will always be replaced and that is just not anything you will ever have to do.  This cost, the cost of replacing worn out roofs that should have been replaced far before a stone of hail came along, that is why the cost of insurance is skyrocketing. Be prepared for changes, but also be aware not all carriers are making those changes.  When shopping ask is there a higher wind hail deductible?  Or is there a % deductible for wind hail.  The % deductibles are often 2% sometimes higher.  What that means is that whatever your home is insured for the “dwelling” your deductible would be 2% of that. So, if your dwelling is insured for 260,000 then your wind hail deductible would be $5,200.   I know it seems as though the insurance world is a big evil machine when we pay our bills and never file claims, but it really is not.  Hey, I am an insurance agent and I still hate paying my premiums but I do so because I know I’m sharing risk so that when my time comes my claim will be paid.   These storm patterns we experience now are only getting worse so buckle up it will keep getting more expensive and it will keep changing.  I’m a proud insurance agent who fully understands the product and grasps how beautiful it really is.  We all pay in and when a family experiences a fire and loses everything they had in life you see the product in action.  It’s amazing life begins to rebuild and without insurance that would never happen.  A family could be financially devastated if they suffered a severe loss without it.   I remember standing on a slab in Kansas City in 2001 after tornadoes blew through and more coming literally every night.  I am a former claims adjuster I was dispatched there for claim work for 4 weeks.  Standing on the slab of what had been a home 48 hours prior I saw an American flag stuck to the only remaining portion of a wall.  In that moment I knew I was in the right field and kept on working claims until each family had been taken care of.  Today I watch out for insured families. This change in home insurance pricing and deductibles is the most major change I have seen in my career.  My lead carrier Erie Insurance has chosen NOT to create higher deductibles for wind or hail, nor are they applying % deductible.  Your regular deductible is what it is.  If you experience anyone stressed about the forced higher deductibles pass my agency name along.   Buckle up storms are upon us.  I’m here as always for any questions.   Heather Swank Brookson Insurance  317-534-5202 Heather@brooksoninsurance.com
Brookson
Vicki Reed

How to survive a remodel…

My friend Cindy Hiland of Servpro is used to taking care of others disasters…but when she decided to re-do her kitchen…I’ve asked her to share some of her stories and tips on surviving the remodel…

After years of doing repairs, I have provided all types of advice to our customers.  For example because losses are never convenient, I try to calm nerves by advising to go ahead and have celebrations when under construction.  This way, it won’t matter if someone spills wine/punch on the sub floor.  Additional things to add (since undergoing my own repairs)…
Plan an alternative route to your laundry, if applicable.  My neighbors have not appreciated my running from my front door in my pj’s and slippers, through the front yard, and around to the garage because my kitchen is completely cordoned off during repairs and is my regular route to the laundry.  There was snow on the ground during some of this which caused my family members to fight over who had to do the laundry.
Prepare some freezer crock pot meals before construction.  Trying to prepare dinner for 8 weeks without a stove, oven, etc is quite trying.  We’ve been creative, even tried to make some sweet potato chips, which caught fire on the grill.  They were just a little too crispy.
Along the lines of appliances…when operating your coffee pot, toaster oven, and mini microwave from your dining room, make sure they are not on the same breaker.  You will blow your breakers if you try to use two at once…and trust me, when you are trying to get your first cup of coffee…this matters!
Final piece of advice:  If washing dishes in your laundry room, don’t put your dishes on the washing machine to dry…IF you are going to wash a load of clothes.  Your dishes will fall off and break during the spin cycle.  (Unless of course, you are wanting a reason to get new dishes).
Hope this helps!
Cindy Hiland
Cindy
Servpro

Hats, Mint Juleps and Thoroughbreds…

Ah yes…it’s Derby Day!  This year’s field is full of great contenders, check out the horses and odds on this table from Vegas Insider:

2014 Kentucky Derby Field and Odds
Post Position Horse Odds
1 Vicar’s In Trouble 20-1
2 Harry’s Holiday 50-1
3 Uncle Sigh 30-1
4 Danza 10-1
5 California Chrome 5-2
6 Samraat 15-1
7 We Miss Artie 50-1
8 General A Rod 15-1
9 Vinceremos 30-1
10 Wildcat Red 15-1
11 Hoppertunity (withdrew due to Injury) N/A
12 Dance With Fate 20-1
13 Chitu 20-1
14 Medal Count 20-1
15 Tapiture 15-1
16 Intense Holiday 12-1
17 Commanding Curve 50-1
18 Candy Boy 20-1
19 Ride On Curlin 15-1
20 Wicked Strong 8-1

Vegas Insider

 I would love to have one of the longshots come in!  To learn more about the horses, owners, trainers and jockey’s, visit the Kentucky Derby website (click here) for all the details!

My pick?  I’m going torn between Harry’s Holiday and Wicked Strong…how about you?

Derby

Vicki Reed

Indy is hosting a Sweet Sixteen/Elite Eight Regional again this year!

Did your team make it?  Where are they playing this weekend?  One team from each regional will be playing April 5 and 7 at the AT & T Stadium North Texas.

Really like to see the teams in action this weekend, but would really like to take a live look at the teams?  Try this….the day before the games, the venues are open and the teams each have scheduled practices so you can get a look at a team that might win the the NCAA National Championship in Texas.  My friends and I have been doing this for years, scheduling time off work and really enjoying the day of watching the teams practice.

Indianapolis is a regular on the location rotation for regional and championship games – when the Butler Bulldogs were in the Final Four, there were about 40,000 people in the stands to watch them PRACTICE!  I was there…were you?

This year, Indianapolis is hosting Louisville, Kentucky, Michigan and Tennessee and the schedule is Tennessee (Noon-12:50 p.m.); Kentucky (1-1:50 p.m.); Michigan (2:10-3 p.m.); Louisville (3:10-4 p.m.) – Doors open at 11:00 a.m.

All venues follow the same NCAA times of Noon to 12:50 p.m.; 1 – 1:50 p.m.; 2:10 – 3 p.m.and 3:10 – 4 p.m.

Take time out of your busy lives and stop in and check out the teams in your area…you’ll be glad you did!

 

download

Vicki Reed