Last night I went to bed at 9pm, got up once during the night, finally waking/getting up at 5am.
I found this comment from one of my blog readers who goes by
the name of Expat: “You don’t say what you are doing about insurance cover. The
auto insurance cover offered by many US credit cards often has small print to
exclude you from coverage if you are an overseas resident.”
The usual plan is for Teresa to go to her 7am gym class then
return to the apt around 8:15 to make me breakfast. We’re switching that around
a bit today because I’m up so early.
I left the apt at 6:30 and at this hour found Smartfit a little busier than usual. I completed my workout then moved to Ganso y Castor where I had a ham, cheese, and tomato omelet and 2 lattes for 49,800 pesos ($11.50).
I replaced the missing peanut and the squirrel took it when I wasn’t looking so I replaced it again. Workers were carting away the last of the Christmas decorations:
I was just about to leave when Teresa called and informed me she was hungry and asked me to meet her at Los Portenos. I moved there and she arrived a minute later. She had a couple fried eggs and a latte and paid for it with her own money. I returned to the apt for my shower while Teresa stopped off at Ara to buy a few groceries. (I’m wondering where she gets her cash?).
I copied USAA’s Guide to Benefits to my USB drive for
later printing.
Talking with Teresa I got more details about her embassy
“interview”. It was a real assembly line operation. There was a line of
applicants and the embassy rep only looked at their passport and his computer
screen. Most of the time he just said, “no, siguiente” (no, next) and the line
moved on. The rep wasn’t interested in
seeing the stack of paperwork they brought with them and those that wore high
heels, he couldn’t even see them because he was apparently standing on a riser
looking down on them through a window. Teresa was then asked if she wants to go
to Chicago followed by the questions I had mentioned earlier. He said
“aprobada”, handed back her passport with the piece of paper and it was the
next woman’s turn. Teresa was #15 in line and she didn’t see any of the other
women in front of her get approved and of course she doesn’t know if any after
her were approved. MT believes she got approved because she’s married to a
gringo but I said it might also be because we’re not young like the other
applicants.
Teresa got a call and told me my package is in the porteria.
I went down right away to claim it. The box contained 6 bottles of Calendula
flower capsules, September & November issues of Chess Life magazine, and 3
envelopes. The envelopes were nothing important and I just threw them away.
I left the apt at 2:30 and took a Sabaneta bus to the used
bookstore where I exchanged paperbacks for 4mil. I stopped at the copy center
where I printed the first 5 pages of the USAA Benefits Guide about their Auto
Rental Collision Damage Waiver. I stopped in Todo Drogas where I
purchased a couple of medicinal items. I stopped at the luggage repair place,
Carrera 43 #33 sur 19, to replace one of the broken carabiners on my laptop
bag. (I accidentally broke the plastic thing years ago.) The girl checked something
(probably someone) in the back and told me they didn’t have a plastic replacement
but showed me a metal one. I told her that would work fine. She asked if I
wanted to replace both of them so they would match and I gave her the go ahead.
She returned 5 minutes later with the repair and I paid 40mil ($9.30). I continued
on to Eduardo Madrid for coffee.
I don’t know if I should mention this. It’s one of the
downsides of being old (or maybe having urinary incontinence). I made a trip to
the restroom and used the urinal and after I was done, I found I had dribbled
all over the front of my shorts. (The same thing happened to me yesterday to a
lesser extent.) I took a seat and had a latte and when I left 90 minutes later
at least the wetness was no longer noticeable.
ONEIPAMETATO1453 (1489) was beating me and I was just trying
to force a draw so I wouldn’t lose so many rating points. He checked me all
over the place and when he finally couldn’t check me again, I checkmated him in
4 moves raising my rating 5 points to 1584. Now I’m losing another game to
Mr_Blamo and I’m trying to force a draw in that one also. I think he just made
a mistake which may cost him the game.
My next move in our vacation planning is to call USAA to see
if a resident of another country is eligible for their car rental discount and
insurance coverage.
Teresa and I made plans for Sunday. We’ll take a Didi and
pick up MT and go to Terminal Sur where we’ll take a bus to El Retiro for the
day.
My no-see-um bites only bothered me a little for 72 hours
even though I can still see them and I haven’t had any new skin lesions for the
past few days so I’m happy about that. Maybe the latter is due to a change in
the weather, for the better?
I finished reading Lee Child’s Persuader Jack Reacher
#7 on my Kindle.
Tomorrow I’ll try to download a free book using my new
library card.
JUST FUNNY
Your card may not exclude you. Some do, some don’t. There can be other problems. Many expats try to hang onto to the illusion that they are US residents, for example by having forwarding addresses in the US. So, your driving license comes up for renewal in your old state and you can apply for it online so you renew it. But if you aren’t resident in the state (say using someone else’s address) how legal is that renewal? Now, generally when things are going well, nothing bad happens. You turn up at the rental counter, they look at the credit card and license and just let you rent the car. But, if you aren’t in an accident and the other insurance company is looking for an out, they’ll dig into stuff. Then they’ll see if they can move the liability to you. Most expats do stuff like this and 99% of the time there are no issues. But it’s something for every expat to be wary of. It’s like you changed the telephone number on your credit card account while asking for an increase. The bank may well be able to tell that is not a normal telephone. And you’re applying from Colombia (or using a VPN) and their security department can get twitchy (some banks won’t process changes or issue cards for a period after a change of personal details). Hopefully everything goes smoothly, but sometimes just springing for the expensive auto rental insurance which allows you to just walk away if there’s an issue isn’t as dumb as it seems.
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