Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts

Saturday, 22 April 2017

The Weapon


There is a song I by Rush called The Weapon and some of the lyrics are particularly relevant:

“And the things that we fear are a weapon to be held against us”

The media thrive on it and also use it to make us (a) buy their paper (because they claim to tell us how it is) and (b) force their political agenda on to us.

Here are some headlines related to Brexit that came from The Daily Express - one of the worst papers on the entire planet:

“New EU Rules Wreck Pensions”

“Each Illegal Immigrant To Cost Us £1million”

“Britain 40% Surge In Ethnic Numbers”

“No Job Unless You’re Polish”

All of these headlines are meant to scare gullible people and persuade them to alter their thinking.

I don’t believe a single word of them. And if you read closely they are written by people with a deep political agenda. Of course, the same is true on the other side of the political spectrum too.

Moreover, fear is used as a means to sell us things that we don’t necessarily need. Salesmen use it all the time. Let me give you an example.

The first property I bought was a brand new three bedroomed semi-detached house that was just a lump of dirt when we actually reserved it from the house building company. We were so proud when we eventually moved in to this brand new estate with similar young people. I was 24 years old.

And then the vultures appeared.

We were swamped by door to door salesmen trying to acquire what little money we had left. One in particular sticks in my mind.

He arrived at 8pm and tried to sell us a burglar alarm. We stupidly let him in and allowed him to demonstrate his device to us. After an hour of his high pressure sales pitch he offered us a piece of paper to confirm the purchase.

“It’s too expensive,” I said. “We’re not interested.”

He was one of those middle-aged salesmen who refuse to take no for an answer. At first he offered us a package where we could pay in monthly instalments and when we refused that, he offered us a deal.

“I can get you 10% off the asking price,” he told us. “My boss will have my guts for garters but I’ll do it for you.”

“What part of “NO!” do you not understand?” said my (ex) wife.

 He tried another tactic.

“Do you care about your family?” he asked me.

I was taken aback by this.

“Of course I do,” I replied.

“It doesn’t seem that way,” he replied. “If your wife came back and surprised a burglar, who knows what could happen? With this alarm, that will never happen because no burglar will get past you front door.”

I didn’t like this one little bit.

“Get out,” I said, now quite angry. “I’m not interested.”

That didn’t deter him. He then started talking about another scenario where my brand new house could be wrecked, my wife injured and my property destroyed.

He was trying to scare us both into giving him money so that our house would be protected. My ex-wife was also not taken in by this. She actually got up, opened the front door and said “Please leave!”

“Are you sure?” he asked me again.

“Yes,” she said, answering for me. “Now go before I call the police.”

She gave him a taste of his own medicine because he said “No need to be like that!” before leaving.

It taught me a lesson about dealing with salesmen, particularly those high pressure types who squat in your house until you sign the bit of paper just to get rid of them.

If you think about it, there are certain companies that use fear to con you into buying things you don’t need. As well as the home security example above, we have things like:

Products that make you look younger. Obviously there are a plethora of anti-ageing products for women that will get rid of those wrinkles but for men we have hair-dye that miraculously turns a decrepit grey-haired old man into an Adonis who has to beat off women with a shitty stick. Like this load of old bollocks:



Products that stop you catching a disease. We all know that if you catch a bad cold, you may need to take a day off work. But certain adverts imply that without their flu remedy you will have to take days off work and probably be sacked as a result. As a hypochondriac, I feel particularly vulnerable when it comes to disease prevention. These bastards are targetting me.

The media. Yes, I know. I feel that I am constantly moaning about the newspaper companies using lies and sensationalist headlines to make us buy their newspapers and even influencing the way people think as I mentioned above. I am certain that they invent stories to scare people and when you actually get down to the nitty gritty of them, there is no substance.

Insurance companies. Mrs PM and I were conned into buying pet insurance for our cats. And then, when I thought about it, and did all the maths, I realised that that I would only save money if the cats became very ill once a year and had to be dragged clawing and screaming to the vet. I am glad that I cancelled it because Jasper and Poppy are now fifteen years old and I shudder when I think about how much pet insurance would have cost in the meantime. There are some insurance policies that you need, for example home and car insurance (but even then home insurance is preying on your fears of being burgled). But do people really need to insure their body parts, for example?

Jennifer Lopez and Kylie Minogue have supposedly insured their arses; Julia Roberts has insured her teeth; Mariah Carey has insured her legs; Dolly Parton and Madonna have insured their boobs; Keith Richards has insured his hands.

I wonder what body part I should insure? Actually, there are no bits of my body worth insuring. At my age, most of it is defunct and drooping now anyway.

Wednesday, 6 August 2014

The Decrepit Old Git


Everybody keeps reminding me of my age.

Even I remind myself of my age by doing stupid things.

While I am quite content to be over fifty, there are times when I want to slap people who feel the need to constantly remind me that I am not getting any younger – and that includes myself.

For example, an insurance company (which shall remain nameless) has employed a much-loved British national treasure to try to sell insurance to over fifties. I am, of course, talking about Michael Parkinson, a man who has interviewed many famous people and has a place in the hearts of many older people who look back on his shows with fondness.

In the advert, he uses his past triumphs as an introduction into the most patronising and guilt-inducing pile of verbal diarrhoea that it has been my misfortune to hear, in order to get you to buy insurance – to leave money for your loved ones after you have popped your clogs. His condescending blurb goes something like this:

“I’ve met a gazillion truly remarkable and fantastic people in my lifetime,” he says, “and my brain is full of unbelievably magnificent memories.“

At this point you think, “Bloody show off!”

He continues.

“But if you, a mere peasant, want to leave your family much more than just happy memories of your existence on this rock that circles the sun, perhaps you can buy this insurance policy. It doesn’t ask for a medical so even if you are a decrepit old walrus on your last legs, you will be accepted. It will enable you, a mere pauper compared to me, the guaranteed lump sum so that your equally poor family can pay for YOUR funeral – or possibly even swell their pathetic bank accounts because you will almost certainly not have saved enough money.”

And the final insult?

“You will get a free welcome gift.” 

The gifts are a little telly, a tiny camcorder, the cheapest Satnav on the market or £50 to spend in a famous chain of shops specialising in clothes and gizmos for old people.

Actually, that’s not quite the final insult:

“You get a FREE Parker Pen – just for enquiring.”

And the last kick in the teeth? This plan is aimed at ME – because it is the OVER 50 PLAN.

Such adverts are shown during daytime TV right alongside other adverts offering to get me compensation for being a clumsy great oaf.

Other similar adverts suggest that being over 50 means that I have to go on holidays with old aged pensioners being ferried around a weird country in a coach.

Or I can get over 50’s fashion. I may not be the most fashion conscious person in the world, but at my age, don’t these people think that I don’t know what to wear?

Cheap car insurance – “because after driving around for so long, surely I must be a good driver by now!”

And at work, I am constantly reminded that “stepping on my soapbox and ranting” is a typical trait of an old man “because people get grumpier as they get older”.

I am my own worst enemy.

Having younger friends doesn’t help me. When I am asked to burn the candle at both ends and come out on a night out with youngsters, which involves consuming excessive amounts of alcohol or just plain stupid alcoholic concoctions with ridiculous names, I actually hear myself saying “Nah! I’m too old for that kind of shit!”

I mean who wants to drink a Jaeger Bomb? Don’t answer that question.

I am content with sitting in a pub for a couple of pints and then going home between 9 and 10, not staying out until 3am “downing shots” and drinking myself into a coma.

There might be the odd exception but generally I don’t do anything that is likely to hurt. Two nights out on the trot are a definite no no!

And then there is the forgetfulness. I used to have a great memory – I still do, but I find myself walking into a room with no idea what I walked in there for. I look around like a bewildered goon and actually speak the words: “Now what did I come in here for?”

My failing memory let me down again today, this time at the supermarket. In the past I have chastised Mrs PM for forgetting important stuff like a bunch of bananas. Now to you, a bunch of bananas may not be important but to me, a banana for breakfast is the law.

So please, dear reader, help me to understand why today, I forgot to buy bananas. I have never forgotten to buy bananas.

And tell me why I actually remembered that I had forgotten my bananas (if that makes sense!) when I was almost home?

Another thing a younger work colleague said to me today:

“People become more conservative when they get older, Dave, so by next election you will be voting for Boris Johnson; before long you will be goose-stepping up the office with a funny moustache saying ALL HAIL THE GREAT PLASTIC MANCUNIAN!”

That I don’t believe; I hate Boris Johnson.

But this is the nature of what I have to deal with from my work colleagues who constantly remind me of my age.

I was recently received a long service award – a lovely designer watch that I chose myself.

Was I congratulated? Well – yes – but then the banter started.

“You know, Dave, I was still at school when you started working here.”

“How long have you worked here? I wasn’t even born!”

Well, dear reader, enough is enough!

I am over fifty – so get over it. I am happy and I don’t need anybody to keep reminding me.

Michael Parkinson, you should be ashamed of yourself trying to make people feel guilty about kicking the bucket with insufficient funds get the nicest mahogany coffin that will only get chomped by worms anyway.
I don’t want a Parker pen “just for enquiring!

And I’ll tell you something else (and I am talking to The Plastic Mancunian himself here!):

STOP TELLING PEOPLE YOU ARE A DECREPIT OLD GIT!

It’s bad enough without being your own worst enemy.

Now then, what did I come into this room for?