October 2022 Frugal Chatter: All about Fall and Halloween!!!

[HermanH]

Had a strange reply to an email query I sent yesterday-answer was totally unrelated to the query. So, I'm going to punt that situation to the Universe to sort out.

Have noticed that a couple of female news anchors are wearing some spiffy fall apparel in jewel tones. One was a red microsuede short-sleeved dress; another a black blouse with large purple/pink flowers. No, I have not found them on Rickis, Reitmans, Holt Renfrew or Suzy Shier websites. Will keep looking around!

Don't the news shows include closing credits that say the source of their clothing? i.e. Promotional consideration given by...

[barbis9]

@Tweets77, thank you. So far no mention of wanting to write my car off, I do not think there is enough damage, the real question is the front passenger side wheel, is something behind the wheel broken.

Right now insurance is discussing fixing the car but the "issue" is they want to process it as a no fault accident which means in the eyes of insurance I am 50% responsible. To fight this we have to prove the other driver was charged which is turning out to be harder than it seems. Insurance wants the accident report which you cannot just ask for, you have to go through a whole process of requesting the report which can take months to get and costs $350 to get.

The police told me that insurance needs to contact the officer who was on scene and he can confirm if the driver was charged but the person I was talking to said the police office is off and only the officer that was on scene can confirm the charge.

Finding this out after the fact is kind of shocking as originally the officer was not going to charge the other driver but told us (Dad and myself) that then insurance would investigate. Nope, as per insurance if the other driver is not charged insurance views it as no fault accident, there is no investigation and I would be seen as 50% at fault which of course complicates things on the insurance side.

At least in my case insurance is now questioning if I cannot prove there was a charge do we want to move forward with a claim or take care of it out of pocket. They are suggesting out of pocket might be better depending on what is wrong with the car. It is like anything with insurance they are saying unless we have to, we do not want to put through a claim.

Who is your insurance provider? They should be contacting the police directly, and go ahead and repair your vehicle properly, so that it is safe. Whether or not it is written off, depends on the value of the vehicle. Most policies allow one accident before rates go up. Speak to your insurance company or broker directly. They can get that info asap and that is what adjusters do. Insurance is expensive, and therefore think of putting a claim in, like a return on your investment. They will pay for physio/massage up to $3,500 if you fill out a medical form.

[tjthemanto]

Good Morning Everyone,
Not the week I expected, I went into the week knowing it was going to be super busy, in a different branch each day.

Tuesday went well, we launched the online system, Wednesday was going well, launched the online system in another branch. On the way home I needed to get Gas because I was covering our Plant Manager the next day and Mom asked me to go to No Frills and get a Ham for Thanksgiving. I was driving up the main street in town to get gas when a car pulled out in front of me and I was in an accident. The car in front of me was turning into the parking lot they were pulling out of and the car assumed I was also turning, luckily I was not going very fast.

Everyone is okay, the cars not so much. Mine looks to have minimal damaged but they are worried about my wheel as it looks like they hit my wheel directly and some panels need replacing.

I am sore, I have chest and side pain from the seat belt. I have been checked out by my doctor.

We are now dealing with insurance and all of that, this has been a real eye opening experience. I called 911 after the accident and the operator was trying to do everything to not send out an officer, they wanted us to have the cars towed to a reporting center that is an hour and half away as our local reporting center closed at 5, the accident happened at 5:15. The police took almost 3 hours to arrive and it has been a very confusing process as it feels like no one is giving you all of the information. Thankfully my aunt is a retired police officer and has been there to help with questions as insurance is saying one thing, the police are saying another and I am feeling very stuck in the middle. One asks for something I try to get it for the other to tell me no they do not provide that information after an accident. It is all very confusing.

At the end of the day thankfully we are both alright.

Most definitely not your fault. You had the right of way.

On The main road you were going straight. You were not turning into the parking lot.

The guy in the parking lot has to wait and look, left and right and only when it is safe to do so and there is enough gap he can turn & pull into the main road.

He pulled right in front of you from the parking lot onto to the main road.

Doesn't matter if he falsely assumed that you are not going straight and he assumed that you are turning into the parking lot, he is still at fault.

Insurance company should know, they have a fault determination book. They are just passing the buck.

Whether the officer charges the other driver or not and the insurance rules are 2 different things and mutually exclusive.

Officers are mostly never at the scene, when the accident happens. They almost always come later on, so never witness what happens.

So you can always dispute their charge, lot of times they are wrong and you can win in court against them, when wrongly charged

[Frugalbigmama]

1st load of laundry washed and hanging to dry in the spare room ( will make it easer for me to put away tomorrow night )
2nd and last load in the washer.
The pile looked bigger then it was!

Dinner- leftovers/fend for yourself.

Thinking a coffee and drive is needed when done work.

[Skippy]

@SassyAshley sorry to read about your accident but thankful it was not worse. Praying that you will recover quickly. As for insurance companies I will hold my tongue and just say that they are quick to take your money but not so easily giving any out. Keep your wits about you and proceed with caution.

[Ciel21]

Managed to get out this afternoon to donate the 3 children's activity items, 2 kitchen tools and 3 pairs of socks (2 of the Skechers ones not yet worn and the CK men's fall crew socks). Credit union had a big box with their name on it for the donation bin. One customer had looked at the box just before I came into the branch then looked again when I put my tote (glad to let the PC tote move on and help someone bag their future items) inside. I hadn't gone around the box but there was no signage on the box.

Did a little browsing at nearby stores. Dollar Tree no longer has Coke Dreamworld and a couple of store aisles have icky lighting as one aisle's lights are completely out (can't be fun for staff either to stock under shadows).
Winners has a ton of Halloween themed kitchen towels on one display at back of store but limited assortment for Thanksgiving or non-themed towels (a couple of prints were like green/red Xmas or holiday themed towels). Even saw a few Day of the Dead towels. Found some gift bags 25% off so $3 instead of $3.99. Got two sale bags and one at $3.99-two bags have tags and tissue paper which are wins in my opinion. Got two birthday cards on sale too. Hardly any bedding in stock (no flannel either) and ditto shower curtains-two cream prints in fabric and one style in transparent curtain with black script ($12.99 for the latter). Socks-amazingly, this section for women has started to come back to its former glory of two years ago. Some ski socks, lots of kate spade no-show or short socks, and an assortment of everyday socks. Plus the usual branded activewear no-show socks in 6pks or the nude shoe liner socks that look like pantyhose (some on clearance). Purses have been moved up to socks dept. and lingerie/sleepwear moved to back of store.
Mostly puffer parkas and longer length versions are in stock for coats-not too many sizes of any style. A few snowboarding (rougher coat fabric) coats. Nothing really heavy for wintry blasts when waiting for public transit outdoors or a long shovelling snow session.
Then after touring the sale endcaps (saw two home decor aisles mostly cleared with a little Xmas decor stock), I saw that men's underwear had 4pks of US Polo Assn white tank tops (with black embroidered logos on left chest), 4pks of Lucky ---- and 3pks of Reebok (grey logo) tanks-all at $19.99. Saw men's crewnecks 4pks-did not look at price. Less of a commitment than the 6pk of tank tops over in Walmart's menswear for $22.99.
Forgot to check the price of the Gund Flappy Elephant plush toy in the Baby/Toy area-too busy trying to get the leg squeezed to do the song but it did not run. Same toy runs about $55 at Indigo so it was a fun find at Winners.

Walmart-right behind the skids of 50ct Halloween/snack size treats was a skid of Hallmark Xmas ornaments and Xmas cards in the Seasonal section. Parking lot work is still in progress (no paving yet) so expect at least another week of using west side entrance. Unfortunately, the other end by the fencing has 12 skids of pumpkins, some turning bad, sitting without major pedestrian traffic. Maybe store will move them closer to the actual open entrance to get product moving. After getting my bandages (Skin Flex to give my chest a break from pressure of those folded gauze pads), I walked past womenswear. Coats-still puffers or maybe a rain parka. No heavy weather coats. Too many plaid shirts with icky snaps or buttons for fall. SOmetimes the chain's chase of a pricepoint makes for lousy merchandising purchases.

Wandered over to baby shampoo/lotions. Way at the back of the 400ml J&J baby shampoo row as one 600ml pump bottle (had to crouch down to see it). Only other pumps were for lotions. No Hello BEllo products in that aisle or next one over. Assume product line was moved near its diapers across another aisle area where strollers and car seats are located (right by the diapers!).

Walmart has lots of fall bulb packages for $9.97 between the Seasonal and Womenswear depts. Was trying to think of what to look at grocery but decided not to go to that side of store (forgot to see the K-cup pricing and Twinings tea pricing).

Two cash lanes were open (it was not yet 6pm). Since I was near the self-checkout area, wondered when half of the self-checkout tills got the curved counters by machines while other side has no extra space beyond the metal surfaces. Must have been a recent addition, those curved counters to help big buys get stacked after scanning.

The renamed surplus store is not yet open (sign indicated opening soon-this weekend?). Handwritten sign listed Instagram account. Seems the store shelving has been swapped out from white metal to dark brown wooden shelving. Food items in one window that was formerly the clothing area. Still a bit messy but about half of store is stocked, with a van parked by the door.

Sammy's Resto is not going to be ready soon-I could see steel framing joints all over the store so that means walls still have to be made then the trades do all the hookups/wiring/outlets. This venue was intended to have opened last month so there must be some timing issues.

Mom and Bro brought in at least 3 of those Walmart totes into the house. They multiply too fast. I had asked Mom to get the 5L jug of Palmolive but she bought an almost 2.7L OXy jug of purple Palmolive instead. Not sure how we'll like the scent and lack of product...I was upset she did not get the regular detergent as it's on sale this flyer.

[Ciel21]

Keeping with two cups of tea at least per day!
Decided I will feed the birds the remaining half container of Ancient Grains oatmeal mix. It's causing me too much discomfort later in the day and I need a less problematic breakfast. Tomorrow, toast with pizza sauce and Tex-Mex shredded cheese is on the menu!

[HermanH]

Was walking down the sidewalk when I spotted some discarded wood, along the side. I thought about just leaving it, but then re-considered and picked it up, to carry to a garbage can 200m in the distance. On my way, I stumbled across a $50 note. Guess the Almighty was looking out for those who try to help Him out.

[Frugalbigmama]

Good Morning! Cool but sunny here.

I needed to get out of the house yesterday afterwork. Gas had been 20 cents cheaper a L out of town so thought I would go for a drive.
Ended up at the casino lol. Had an offer for $50 Free play so used that. Used points for a salad and piece of chicken for dinner. Menu now is limited since they opened the buffet last week so not much choice. Brought DS home chicken fingers and fries. Left with $250 extra . Filled up my gas tank.
Was a nice drive.

This morning after dropping DS off I stopped at No Frills. Picked up the Paper Towel deal and received 10,000 pc pts. Raspberries and blueberries (400 pc pts per raspberry) I already received the points on the blueberries the other day (they only had one available)
Love the fresh berries on my oatmeal and this is the best breakfast for me. Bought an olive oil for $5.99 (to have extra)

Food Basics- The Marc Angelo chicken kabobs had a 40% sticker on them so grabbed the 2. Will cook one today for meal prep and the other I popped in the freezer. (they were out of the BLSL chic breast in the flyer) I also picked up 2 boxes of the mozz sticks for the freezer. DS likes them so a treat for him to try in the air fryer. (on for $4.99)

I really wanted to buy the 50pk Halloween bars on for $5.99 at No Frills but I don't want them around the house with still almost a month away to shell out. Maybe I will get them and tell someone to hide them from me lol

[Frugalbigmama]

Treadmill done for the day! On later then the past 3 days but it is done!
Now lots of water and clean out the fridge to prep my food for the day (chicken and veggies) and wrap the BLSL chicken for the freezer from the other day.

[harbie]

Wow! A lot happens when I’m on holidays.
@SassyAshley I’m so sorry to hear about your car accident. No fault insurance in garbage. I agree with @tjthemanto , if you were on the through road and they pulled out for what is a “safe spot” then they are responsible for making sure it’s 100% safe to do so. I had a lady pull out in front of me years ago (she came from the side street and our insurance told me that it didn’t matter if I was going 100km/hr in a 50 zone they still had the responsibility to make sure it was safe for them to proceed ( she tried to say I was speeding which I wasn’t ) anyways that’s in BC so not sure about another province but it seems pretty simple to me.

Vacation was SOOOOOO nice. Did my twice a year trip to Salmon Arm to get my hair done, spent some time in the Okanagan (Kelowna, Penticton, etc…).

Dh and I celebrated our 18th wedding anniversary yesterday and did it in style…. We played pickle ball . Actually we played it more like tennis (I think our competitive nature comes out ). I’m back at running (on a treadmill since that’s what I actually prefer). It feels so good to be back at it and it’s much easier on my body for sure.

I’m going to finish the little laundry I have left. We did a $327 Costco shop yesterday so that’s done and other than silk coffee creamer we don’t need anything.

Came home to a Mastercard pre paid for $45.85 and had no idea why P&G would send it to me but then figured it must have been from the money back offer they had on Olay products. I bought and hated the Olay facial cleansing brush so I wanted my $$$ back.

$20.71 coming from checkout 51 (Dh’s but still need to cash mine out), still waiting on $36.73 from my first rakuten and the now $6.00 from them coming up……

Hope everyone has a great day. I’m going to head to the garden and hopefully tidy it up a bit after being away…. Need some sun and Vit D

[coupon girl]

Harbie glad you had a nice trip and got your hair done.Oh and happy anniversary.

I went to mastermind this morning and got two birthday gifts for the grandkids and a xmas gift for sebastian saved 20% as it was seniors day ,so glad i did that .

Then popped into dollar tree and got a few loaves of bread 1.50 country harvest or and treated myself to a godiva bar 1.25 yummmm.

[SassyAshley]

I am not sure who we are with off the top of my head. Found out today they have contacted the police but the police have not responded so not sure what that means. Our claim is being processed and someone will be in contact before the end of the week.

Who is your insurance provider? They should be contacting the police directly, and go ahead and repair your vehicle properly, so that it is safe. Whether or not it is written off, depends on the value of the vehicle. Most policies allow one accident before rates go up. Speak to your insurance company or broker directly. They can get that info asap and that is what adjusters do. Insurance is expensive, and therefore think of putting a claim in, like a return on your investment. They will pay for physio/massage up to $3,500 if you fill out a medical form.

That is where I was confused as that is what the police officer said was insurance would determine fault as far as the claim goes. Said I have charged people in the past for insurance to come back at find them 50% at fault even though in my report the other driver was at fault. But he did say in my case he could not see them finding me at fault as you said I was on the road going straight and they pulled out. I am feeling so beyond lost in this whole process.

It almost feel like, you are class you do not attend any classes but try to write the final. It feels like they are treating us like we should all know the process and how things work but no one is there to explain it to you.

Most definitely not your fault. You had the right of way.

On The main road you were going straight. You were not turning into the parking lot.

The guy in the parking lot has to wait and look, left and right and only when it is safe to do so and there is enough gap he can turn & pull into the main road.

He pulled right in front of you from the parking lot onto to the main road.

Doesn't matter if he falsely assumed that you are not going straight and he assumed that you are turning into the parking lot, he is still at fault.

Insurance company should know, they have a fault determination book. They are just passing the buck.

Whether the officer charges the other driver or not and the insurance rules are 2 different things and mutually exclusive.

Officers are mostly never at the scene, when the accident happens. They almost always come later on, so never witness what happens.

So you can always dispute their charge, lot of times they are wrong and you can win in court against them, when wrongly charged

Oh my gosh that sounds horrible.

I do not understand the police not attending the scene. I 100% get what you are saying they were trying to get us to go to a reporting centre and the other driver probably would have agreed expect the local one was not open so they would have had to tow their car an hour and half away.

I just feel like there are so many flaws in this system.
What happens if one reports the accident but the other driver decides not too, figures I won't say anything, fix my car out of pocket.
The cars have been moved what if there are two conflicting reports, there was no police officer there to see the cars, to see where they were on the road.

So sorry to hear of your accident @SassyAshley! We were sideswiped at the end of April so I definitely get it. Hope your insurance company is easier to deal with. We had to wait 10 days for the insurance to make a decision regarding the repair of my 2014 Fusion but it the end they covered the whole bill ($5.134.00). As well, neither of us was hurt. What may help is the shortage of cars right now due to Covid. I suspect that is why my car was not written off. Good luck and I hope it is resolved quickly.

[SassyAshley]

@harbie, Happy Anniversary


I was told the same thing sort of as the driver said they thought I was pulling into the plaza. The officer said it does not matter even if I had a signal on (I did not, he was just making a point), the driver pulling out did not know if I was turning into that plaza or the next. It is the person pulling out responsibility to make sure it is safe to do so.

[barbis9]

Happy to get a sample source email invite yesterday and was able to get 9 items.