Frugal Living: 25 new messages in 14 topics

Monday, April 7, 2008

25 new messages in 14 topics - digest

misc.consumers.frugal-living
http://groups.google.com/group/misc.consumers.frugal-living?hl=en

misc.consumers.frugal-living@googlegroups.com

Today's topics:

==============================================================================
TOPIC: Tracfone
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/56cc0a72df54a2f6?hl=en
==============================================================================

== 1 of 4 ==
Date: Mon, Apr 7 2008 9:10 am
From: "Chloe"

"Boothbay" <harri85274@aol.com> wrote in message
news:8738bbe2-c781-4876-bd9d-49459c7b7bd4@8g2000hsu.googlegroups.com...
> can anyone here recommend the Tracfone? Is it reliable, pros and cons
> please.

I use a cell phone only a few minutes a week--and almost never in roaming
mode--and for several years Tracfone was a convenient and frugal choice for
me. Then they switched local carriers and I began to get dropped calls
constantly. I had to give up on them. So I recommend buying only a few
minutes to start--or first talk to existing customers of the local Tracfone
carrier to see if they're satisfied with the quality of their coverage.

== 2 of 4 ==
Date: Mon, Apr 7 2008 11:51 am
From: Whispurr the Cat

h wrote:
>
> "Boothbay" <harri85274@aol.com> wrote in message
> news:8738bbe2-c781-4876-bd9d-49459c7b7bd4@8g2000hsu.googlegroups.com...
> > can anyone here recommend the Tracfone? Is it reliable, pros and cons
> > please.
>
> I've had one for years, and I love it. That said, I only use it for
> emergencies, maybe 2-3 times a year. It's never not worked, and I've used it
> in the boonies. The best thing is that you can load the phone with two years
> of service and minutes and not worry about it again until it's time to
> renew. I've had the phone since 2001 and I've never had to purchase any
> extra minutes, since 150-200 minutes come with one year of service for $99.
> I buy an extra year of service for $50, but no extra minutes. I currently
> have over 600 minutes available on the phone, so I'm set for any emergency.
> If you do it that way it costs only $6/month, but that would change quickly
> if you used up your minutes. Of course, YMMV.

I basically agree with 'h' although I do use mine a little more. I currently
have 300+ minutes left with only 9 months of service left. I've not found a
way to buy months of service without buying more minutes. Last time I
re-upped, I got the extra y.o.s. for $50, but still will run out of months
before I use up the minutes.
Anybody figured out how to get more months?

Steve
southiowa

== 3 of 4 ==
Date: Mon, Apr 7 2008 1:15 pm
From: "Craig"

"Whispurr the Cat" wrote...

> I basically agree with 'h' although I do use mine a little more. I
> currently
> have 300+ minutes left with only 9 months of service left. I've not found
> a
> way to buy months of service without buying more minutes. Last time I
> re-upped, I got the extra y.o.s. for $50, but still will run out of months
> before I use up the minutes.
> Anybody figured out how to get more months?
>
> Steve
> southiowa

Yes. Go to the Tracfone web site. You will find a $4.95 per month option to
add a month to your existing account without adding minutes. I think this is
only available via the Tracfone website (as opposed to cards you buy at the
supermarket, etc.)

Craig

== 4 of 4 ==
Date: Mon, Apr 7 2008 2:55 pm
From: Dennis

On Mon, 7 Apr 2008 12:10:45 -0400, "Chloe" <justsayno@spam.com> wrote:

>"Boothbay" <harri85274@aol.com> wrote in message
>news:8738bbe2-c781-4876-bd9d-49459c7b7bd4@8g2000hsu.googlegroups.com...
>> can anyone here recommend the Tracfone? Is it reliable, pros and cons
>> please.
>
>I use a cell phone only a few minutes a week--and almost never in roaming
>mode--and for several years Tracfone was a convenient and frugal choice for
>me. Then they switched local carriers and I began to get dropped calls
>constantly. I had to give up on them. So I recommend buying only a few
>minutes to start--or first talk to existing customers of the local Tracfone
>carrier to see if they're satisfied with the quality of their coverage.
>

Good idea. If you activate your Tracfone online, you get 20 min/60
days of service as part of the deal, so that gives you some time to
see if it works for you before you pay for more minutes/service time.

My family uses Tracfones and we're pretty happy with them. They use
the ATT network here and we have great signal/coverage in this area.
Not so great in other parts of the country, though (the plains states
for example).

Dennis (evil)
--
I'm behind the eight ball, ahead of the curve, riding the wave,
dodging the bullet and pushing the envelope. -George Carlin

==============================================================================
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/768975553af6f6a4?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Apr 7 2008 9:35 am
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==============================================================================
TOPIC: Opinions about collision/comprehensive auto coverage.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/eb6b1d33ccf35e79?hl=en
==============================================================================

== 1 of 5 ==
Date: Mon, Apr 7 2008 10:42 am
From: hchickpea@hotmail.com

On Mon, 07 Apr 2008 12:09:45 -0400, George <george@nospam.invalid>
wrote:

>We have two vehicles. The auto insurance renewal came in today and I was
>thinking about the comprehensive/collision coverage. The older car has
>liability coverage only. KBB shows that the newer car has a retail value
>of $9,580 and of the 30 or so listings on autotrader that seems to be an
>accurate average asking price.
>
>The cars aren't financed so there is no insurance obligation except the
>state's required liability insurance. The comprehensive/collision for
>the newer car is $501/year with a $500 deductible for collision and a
>$100 deductible for comprehensive.
>
>I interested in opinions about keeping or dropping the
>comprehensive/collision coverage.

I'd keep comp, dump collision and drive defensively. AAMOF, our total
policy is now close to $500/yr. Time to shop insurance.

== 2 of 5 ==
Date: Mon, Apr 7 2008 11:29 am
From: "Chloe"

"George" <george@nospam.invalid> wrote in message
news:Sp6dnRcpVbXX2mfanZ2dnUVZ_qadnZ2d@comcast.com...
> We have two vehicles. The auto insurance renewal came in today and I was
> thinking about the comprehensive/collision coverage. The older car has
> liability coverage only. KBB shows that the newer car has a retail value
> of $9,580 and of the 30 or so listings on autotrader that seems to be an
> accurate average asking price.
>
> The cars aren't financed so there is no insurance obligation except the
> state's required liability insurance. The comprehensive/collision for the
> newer car is $501/year with a $500 deductible for collision and a $100
> deductible for comprehensive.
>
> I interested in opinions about keeping or dropping the
> comprehensive/collision coverage.

There's probably a third option, which is to increase the deductible.

Really, only you know how much risk your use of your car places you in. For
example, do you drive long distances in heavy, fast-moving traffic? Is the
car often parked somewhere you could fall victim to collision, theft or
vandalism? And only you know how much of a financial problem it would be if
you had extensive damage or loss which you had to pay for yourself--in other
words, an accident which was your fault, or an accident in which the other
driver was at fault but had no insurance, or a theft.

As a *very* rough estimate, you might figure that your car, wrecked beyond
repair and deemed a total loss, would still have a value of 20%, or about
$1,900. So you'd have to come up with the difference if you wanted to
replace it with something of the same value.

If you decide to drop the coverage, you may want to consider putting an
amount equal to the premium into a earmarked savings, to help cover repairs
if you need them.

== 3 of 5 ==
Date: Mon, Apr 7 2008 12:03 pm
From: "Rod Speed"

George <george@nospam.invalid> wrote:

> We have two vehicles. The auto insurance renewal came in today and I was thinking about the comprehensive/collision
> coverage. The older car has liability coverage only. KBB shows that the newer car has a retail value of $9,580 and of
> the 30 or so listings on autotrader that seems to be an accurate average asking price.

> The cars aren't financed so there is no insurance obligation except
> the state's required liability insurance. The comprehensive/collision
> for the newer car is $501/year with a $500 deductible for collision
> and a $100 deductible for comprehensive.

> I interested in opinions about keeping or dropping the comprehensive/collision coverage.

I went for a higher deductable and get it for $103 per year on a higher value newer car.

== 4 of 5 ==
Date: Mon, Apr 7 2008 1:23 pm
From: "Craig"

"Rod Speed" wrote...

> George wrote:
>
>> We have two vehicles. The auto insurance renewal came in today and I was
>> thinking about the comprehensive/collision coverage. The older car has
>> liability coverage only. KBB shows that the newer car has a retail value
>> of $9,580 and of the 30 or so listings on autotrader that seems to be an
>> accurate average asking price.
>
>> The cars aren't financed so there is no insurance obligation except
>> the state's required liability insurance. The comprehensive/collision
>> for the newer car is $501/year with a $500 deductible for collision
>> and a $100 deductible for comprehensive.
>
>> I interested in opinions about keeping or dropping the
>> comprehensive/collision coverage.
>
> I went for a higher deductable and get it for $103 per year on a higher
> value newer car.

What I go by is something I read somewhere in the recent past:

I will drop collision and comprehensive coverage when their combined annual
cost exceeds 10% of the current value of the vehicle. I have dropped C/C for
my '96 Explorer but still have it on my '01 Focus. If you're looking at a
$501 fee for a $9850 car, I'd keep it for now but maybe look into possible
savings on a higher-than-$100 comp. deductible.

Craig

== 5 of 5 ==
Date: Mon, Apr 7 2008 1:38 pm
From: "Rod Speed"

Craig <wpyr@invalid.us> wrote:
> "Rod Speed" wrote...
>
>> George wrote:
>>
>>> We have two vehicles. The auto insurance renewal came in today and
>>> I was thinking about the comprehensive/collision coverage. The
>>> older car has liability coverage only. KBB shows that the newer car
>>> has a retail value of $9,580 and of the 30 or so listings on
>>> autotrader that seems to be an accurate average asking price.
>>
>>> The cars aren't financed so there is no insurance obligation except
>>> the state's required liability insurance. The
>>> comprehensive/collision for the newer car is $501/year with a $500
>>> deductible for collision and a $100 deductible for comprehensive.
>>
>>> I interested in opinions about keeping or dropping the
>>> comprehensive/collision coverage.
>>
>> I went for a higher deductable and get it for $103 per year on a
>> higher value newer car.
>
>
>
> What I go by is something I read somewhere in the recent past:
>
> I will drop collision and comprehensive coverage when their combined
> annual cost exceeds 10% of the current value of the vehicle. I have
> dropped C/C for my '96 Explorer but still have it on my '01 Focus. If
> you're looking at a $501 fee for a $9850 car, I'd keep it for now but
> maybe look into possible savings on a higher-than-$100 comp. deductible.

Trouble is that its just some number plucked out of someone's arse.

I gave up on any collision and comprehensive coverage with the previous
car that I kept for 35+ years, decades ago. Changed to a new car and
didnt like the idea of some uninsured fool wiping the new car out and me
not being able to get the money out of him, we have a lot of pickers around
here and many of them are illegals, so no chance of getting any money out
of them, let alone the cost of the new car which mostly do end up writeoffs
in any significant accident with the crumple zones etc that new cars have.

That 10% essentially converts to a risk of one accident in 10 years which
is nothing like what I got with the previous car which was just one accident
in 35+ years, just a minor dent to one corner of the car, someone else's fault.
Bought that car new too, I keep them for decades and the current one should
be the last one I need unless someone wipes it out.

==============================================================================
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/dec0ef80560703a7?hl=en
==============================================================================

== 1 of 1 ==
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25 new messages in 14 topics - digest

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