Good morning!!!!

[fiddlearound]

Greetings Friends. I emerge from my omniscient observer role to ask an insurance question of the knowledgeable assembly.

Renewal time for our auto insurance. We keep four vehicles for the two of us to drive. Here's the info on each, semiannual fees: 1997 Ford Econoline van, liability only $393; 2002 Mazda B4000 truck, liability only $408; 2013 Ford F150 truck, full coverage $385; 2017 Ford Edge, full coverage $411.

Notice that the older ones have only liability while the newer ones include comp and collision with the liability. We keep the older ones for special purposes and they are driven less than 1000 miles annually. Can anyone tell me why they cost the same with less coverage?

We asked our agent and she says "it's just the way they are computed ." It just seems to me that they should be half the cost of the newer models.

What say the assemblage?

 

[Thall303]

That parade will coincide with the National Association for Advancement of White People parade, which will feature floats celebrating White History Month driving just ahead of Historic White Universities. With special appearance by members of the Congressional White Cause, joined by contingents from All Lives Matter, Oriental Lives Matter, and White Lives Matter. Parade Marshalls will be esteemed couple from SMF-. Other non discriminating special interest groups may be interested.

Canada may be a bit different, but here in US discrimination is against the law. We wouldn’t dare focus on a special, non inclusive group based on race, ethnicity, sexuality, gender, politics, or religion. NEVER, unless…

My apologies to any one offended by above organizations. Please tell me again why their role model organizations don’t offend you.

Perfect, and spot on!

 

[gstrom99]

Can anyone tell me why they cost the same with less coverage?

We asked our agent and she says "it's just the way they are computed ." It just seems to me that they should be half the cost of the newer models.

What say the assemblage?

I come from an insurance industry (claims) background, and I can't explain it either... I always thought "liability" should be ONE charge for each driver (I can only drive ONE vehicle at a time - there is no liability danger just sitting in the drive...), then add on the collision for each vehicle. Nope, doesn't work that way. I never got a good answer when I asked the actuarials, either... The consumer always loses.

 

[newbury]

We keep the older ones for special purposes

They are ALL older ones. Even the 2017 Edge.

 

[Looking4new]

That parade will coincide with the National Association for Advancement of White People parade, which will feature floats celebrating White History Month driving just ahead of Historic White Universities. With special appearance by members of the Congressional White Cause, joined by contingents from All Lives Matter, Oriental Lives Matter, and White Lives Matter. Parade Marshalls will be esteemed couple from SMF-. Other non discriminating special interest groups may be interested.

Canada may be a bit different, but here in US discrimination is against the law. We wouldn’t dare focus on a special, non inclusive group based on race, ethnicity, sexuality, gender, politics, or religion. NEVER, unless…

My apologies to any one offended by above organizations. Please tell me again why their role model organizations don’t offend you.

It is the same here

 

[sodamo]

Late yesterday....

This is what I have to fight through to get into my house.

Slouchers.View attachment 871226

Looks to be THEIR place

 

[sodamo]

My repair seems to be OK, but now I have a toe out problem. Apparently quite common and several fixes on Youtube.

 

[sodamo]

Having tbe CNC plasma table has taught me a lot about plasma cutting. Torch height, cut speed, current and voltage and air pressure all have an impact. When you get them all right, the result is really impressive.

View attachment 871314

This part required no clean up. Naturally, I didn’t take pictures of parts where it didn’t all come together, but there is a huge difference. Especially in stainless steel when you are using air rather than nitrogen to cut.

Soooo much better (and faster I reckon) than the plates I cut with reciprocating saw and grinder.

 

[m7040]

good afternoon, 79 and lovely day

Helping wife around the house today. She is improving after her monthly tank up (monthly infusion) Descaled the coffee maker to maintain the 5 year warranty and cleaned the kitchen

Had a chance to test out the wood splitter. It is a great machine with speed and efficiency. Keeping the engine on part throttle for the first 10 hours and even so it is incredible fast. The Honda engine has an hour instrument. I did not use the 6 way splitter and used the 4 way one. Very convenient to be able to adjust it up or down hydraulically. The lift works great to stage a bunch of logs and speeds things up. The extension table holds a lot of splits before raking them into the tractor bucket

 

[Thomas]

Good Afternoon RS,

RS, that happens to be my favorite pie !

That reminds me, my rhubarb should be ready to pick up at my Vermont house ! We will have to bring some strawberries along I think !

Strawberry rhubarb pie.

 

[buckeyefarmer]

good afternoon, 79 and lovely day

Helping wife around the house today. She is improving after her monthly tank up (monthly infusion) Descaled the coffee maker to maintain the 5 year warranty and cleaned the kitchen

Had a chance to test out the wood splitter. It is a great machine with speed and efficiency. Keeping the engine on part throttle for the first 10 hours and even so it is incredible fast. The Honda engine has an hour instrument. I did not use the 6 way splitter and used the 4 way one. Very convenient to be able to adjust it up or down hydraulically. The lift works great to stage a bunch of logs and speeds things up. The extension table holds a lot of splits before raking them into the tractor bucket

View attachment 871367

That's a nice splitter. Mike Morgan has one with the conveyor to pile the wood.

Got some piddling done today, not enough to write about, but enough to break a sweat.

Wife made a rhubarb cobbler the other day that's good.

Just looked, the WV land is actually still for sale and they lowered the asking price some.

 

[m7040]

Yes did not get the conveyor or the light tower and the oil cooler. It has a temp gauge so I can stop it the oil gets too hot but not likely with my limited use

 

[Buppies]

Nice day today heat here Wednesday 90 plus humidity you all take care

 

[two_bit_score]

Good Evening TBS,
Here is one of our Tiny Tornados !!
And the other Tiny Tornado

Fantastic scott! They love to ride those mowers! You may have a tornado storm on your hand soon!

 

[sodamo]

Maybe another attempt at WV, Dennis?

 

[two_bit_score]

Wouldn't that be people without color

I sometimes think DEI, the E stands for Exclusion

Don't let it get to you, just another day of wackiness in a wacky world.

I thought it was "Didn't Earn It".

 

[two_bit_score]

What say the assemblage?

I never liked anything about how insurance companies priced coverage. But they have extensive data on costs of claims to justify it. I always just made my decisions based on the likelihood i would need to use it when it came to anything than Liab.

Once I was about to cancell the Comp/collision on a vehicle but the underwroiting rules prohibited owned vehicles without comp and collision in their 'preferred risk' company so I actually would incurr extra costs to cancell the comp/collision.

I would always recommend PIP, UM/UIM in higher limits.

 

[two_bit_score]

The consumer always loses.

The claims free consumer alwaays pays for the risk prone consumer.

 

[buckeyefarmer]

Maybe another attempt at WV, Dennis?

I don't know, I got so turned off by the selling agent's attitude, that i'm not sure I want to try again, especially since I think it's her husband who owns the property. That's the agent that wanted me to sign an exclusive buyers agent contract with her, and became haughty when I said I wasn't doing that, I just want to make an offer. So she wouldn't write up the offer. Owner bought last fall, subdivided 3 lots, put in driveways. If I put in an offer, it would be kind of low. That property is not as usable, but more private, and a nice view if a few more trees removed. And 2 hrs closer to home. Much easier to build in WV as far as permits and regulations. No zoning permits, no environmental crap. Build area is kind of limited, and steeper terrain.
I'll need to find another agent to put an offer in. So far i'm not impressed with any of the RE companies in that area, they just do things different. More of an informal back and forth to get an agreement, then write it up.

 

[Wagtail]

Good (Tuesday) morning. Overnight Low of 0.4C (another light frost) and it's presently 13.7C, fairly clear with a wee breeze.

Pretty much going to be a repeat of yesterday... the PO texted me that I've got a couple of 'items' to collect. (more wine?)

That's about it, take care all.