Frugal Living: misc.consumers.frugal-living - 25 new messages in 10 topics

Tuesday, December 23, 2008

misc.consumers.frugal-living - 25 new messages in 10 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: poverty line
http://groups.google.com/group/misc.consumers.frugal-living/t/4eaa805a9a816468?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Dec 22 2008 11:15 pm
From: Goomba

James wrote:
> If you are at the line, what are you supposed to be able to do? Are
> you supposed to be able to afford a certain size apartment with heat,
> eat healthy, and dress warmly? Or is it just a number that qualifies
> you for welfare?

It probably depends on your own initiative and abilities as to what
you'll be able to do? A clever person can find resources to help them
fulfill their needs. A not very clever person will wait for someone else
to meet their needs.
Take food stamps for example-Some people are given assistance and
squander it on expensive processed foods whereas others (those clever
ones) take it to buy ingredients and cook more from scratch. Which one
do you think will have food longer into the month.....?

==============================================================================
TOPIC: The Many Uses of Baking Soda
http://groups.google.com/group/misc.consumers.frugal-living/t/670e2113209019eb?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Dec 23 2008 12:32 am
From: meow2222@care2.com

Ablang wrote:

> The Many Uses of Baking Soda
>
> Baking soda is one of the most versatile cleaning agents on earth. It
> is highly absorbent making it an excellent deodorizer. Best of all,
> it's non-toxic. As a matter of fact, if the thought of your next
> cleaning project gives you indigestion, half a teaspoon of baking soda
> stirred into a glass of water works as well as some over-the-counter
> drugs sold strictly for that purpose. Check with your doctor before
> using this remedy.

Whatever for? Cant people do anything for thmselves now?

Yes, you can do lots of things with soda, most of which it does badly.
Incuding acting as an indigestion remedy, other products are more
effective and not packed with sodium.

==============================================================================
TOPIC: www.stefsclothes.com cheap sell nike shoes, ugg shoes,jordan shoes,
handbag,jeans,air max shoes,
http://groups.google.com/group/misc.consumers.frugal-living/t/b12d7b2dc57b62f5?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Dec 23 2008 1:02 am
From: "www.stefsclothes.com"

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==============================================================================
TOPIC: Cherry-Red Casino Review
http://groups.google.com/group/misc.consumers.frugal-living/t/89169f71953eeee0?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Dec 23 2008 1:13 am
From: icbmxx

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==============================================================================
TOPIC: Cosmetic Surgery Loans
http://groups.google.com/group/misc.consumers.frugal-living/t/d667a91ebabfe929?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Dec 23 2008 1:25 am
From: jerrysocky@gmail.com

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==============================================================================
TOPIC: self-employed, the price?
http://groups.google.com/group/misc.consumers.frugal-living/t/25ab6d7a439ac7f1?hl=en
==============================================================================

== 1 of 12 ==
Date: Tues, Dec 23 2008 5:11 am
From: Napoleon

On Mon, 22 Dec 2008 08:52:41 -0500, George <george@nospam.invalid>
wrote:

>or completely
>eliminate the income tax and go to a sales tax with say a 35% rate to
>collect equivalent tax funds.

That's exactly what should be done. Sales tax only, no exceptions for
anyone. In return, it would be required to fund National Healthcare
with a single payer government fund.

Then the rich would actually, possibly pay taxes. And for frugal
people the hit would not be so bad since we know how to live without
excessively spending anyways. It might also stop Americans from being
considered as only "CONSUMERS" and we might become CITIZENS once
again.

Bah, ha, ha. Like that would ever happen. How would we fund the Afghan
war?

-N

== 2 of 12 ==
Date: Tues, Dec 23 2008 6:04 am
From: clams_casino

Napoleon wrote:

>On Mon, 22 Dec 2008 08:52:41 -0500, George <george@nospam.invalid>
>wrote:
>
>
>
>>or completely
>>eliminate the income tax and go to a sales tax with say a 35% rate to
>>collect equivalent tax funds.
>>
>>
>
>That's exactly what should be done. Sales tax only, no exceptions for
>anyone. In return, it would be required to fund National Healthcare
>with a single payer government fund.
>
>Then the rich would actually, possibly pay taxes. And for frugal
>people the hit would not be so bad since we know how to live without
>excessively spending anyways. It might also stop Americans from being
>considered as only "CONSUMERS" and we might become CITIZENS once
>again.
>
>Bah, ha, ha. Like that would ever happen. How would we fund the Afghan
>war?
>
>-N
>
>

Small business would love a sole reliance on sales tax. If you thought
tax compliance was lacking under the current system .............

On the plus side, there would be a significant increase in employment
opportunities when the IRS would have to quadruple their size.

== 3 of 12 ==
Date: Tues, Dec 23 2008 9:09 am
From: Vic Smith

On Sun, 21 Dec 2008 18:38:34 -0800, Larry Caldwell
<firstnamelastinitial@peaksky.com> wrote:

>In article <0q-dnV5DSMzT59DUnZ2dnUVZ_jSdnZ2d@posted.visi>,
>belfert@visi.com (Brian Elfert) says...
>> Larry Caldwell <firstnamelastinitial@peaksky.com> writes:
>>

>
>I haven't even scratched the surface of all the tax advantages available
>to a business owner. The first employee any business should hire is a
>good bookkeeper. Both you and the bookkeeper should have regular
>meetings with your accountant to make sure you are not missing
>legitimate business expenses. It's hard enough being self employed
>without paying 10x as much income tax as you should. The biggest
>problem with small businesses is that they don't know how to keep
>records, so they end up screwing themselves.

Right. You hit the big ones, which are transportation and office
space costs.
Pressing and starching shirts, dining, and any "client
contact/entertaining" expenses add up too.
If they're legit expenses, they should be taken advantage of.

--Vic

== 4 of 12 ==
Date: Tues, Dec 23 2008 10:14 am
From: Dennis

On Tue, 23 Dec 2008 09:04:02 -0500, clams_casino
<PeterGriffin@DrunkinClam.com> wrote:

>Napoleon wrote:
>
>>On Mon, 22 Dec 2008 08:52:41 -0500, George <george@nospam.invalid>
>>wrote:
>>
>>
>>
>>>or completely
>>>eliminate the income tax and go to a sales tax with say a 35% rate to
>>>collect equivalent tax funds.
>>>
>>>
>>
>>That's exactly what should be done. Sales tax only, no exceptions for
>>anyone. In return, it would be required to fund National Healthcare
>>with a single payer government fund.
>>
>>Then the rich would actually, possibly pay taxes. And for frugal
>>people the hit would not be so bad since we know how to live without
>>excessively spending anyways. It might also stop Americans from being
>>considered as only "CONSUMERS" and we might become CITIZENS once
>>again.
>>
>>Bah, ha, ha. Like that would ever happen. How would we fund the Afghan
>>war?
>>
>>-N
>>
>>
>
>Small business would love a sole reliance on sales tax. If you thought
>tax compliance was lacking under the current system .............
>
>On the plus side, there would be a significant increase in employment
>opportunities when the IRS would have to quadruple their size.

All but a couple states already have facilities in place to collect
sales tax.

Dennis (evil)
--
What government gives, it must first take away.

== 5 of 12 ==
Date: Tues, Dec 23 2008 10:15 am
From: George

Napoleon wrote:
> On Mon, 22 Dec 2008 08:52:41 -0500, George <george@nospam.invalid>
> wrote:
>
>> or completely
>> eliminate the income tax and go to a sales tax with say a 35% rate to
>> collect equivalent tax funds.
>
> That's exactly what should be done. Sales tax only, no exceptions for
> anyone. In return, it would be required to fund National Healthcare
> with a single payer government fund.
>
> Then the rich would actually, possibly pay taxes. And for frugal
> people the hit would not be so bad since we know how to live without
> excessively spending anyways. It might also stop Americans from being
> considered as only "CONSUMERS" and we might become CITIZENS once
> again.
>
> Bah, ha, ha. Like that would ever happen. How would we fund the Afghan
> war?
>
> -N
Thats the wrong argument for why it would never happen. If a sales tax
brought in the same amount of money then it is status quo. It won't
happen because of the special interests such as those who have tax
exemptions or considerations for whatever reason and the massive
industry consisting of accountants and lawyers required for our current
tax system.

== 6 of 12 ==
Date: Tues, Dec 23 2008 10:21 am
From: Elmo

George wrote:
> Napoleon wrote:
>> On Mon, 22 Dec 2008 08:52:41 -0500, George <george@nospam.invalid>
>> wrote:
>>
>>> or completely eliminate the income tax and go to a sales tax with say
>>> a 35% rate to collect equivalent tax funds.
>>
>> That's exactly what should be done. Sales tax only, no exceptions for
>> anyone. In return, it would be required to fund National Healthcare
>> with a single payer government fund.
>> Then the rich would actually, possibly pay taxes. And for frugal
>> people the hit would not be so bad since we know how to live without
>> excessively spending anyways. It might also stop Americans from being
>> considered as only "CONSUMERS" and we might become CITIZENS once
>> again.
>>
>> Bah, ha, ha. Like that would ever happen. How would we fund the Afghan
>> war?
>>
>> -N
> Thats the wrong argument for why it would never happen. If a sales tax
> brought in the same amount of money then it is status quo. It won't
> happen because of the special interests such as those who have tax
> exemptions or considerations for whatever reason and the massive
> industry consisting of accountants and lawyers required for our current
> tax system.

Tax reform means getting the same revenue from different people.
Make someone else pay, don't make me pay.

--
We've had a 25-year experience with market-worshiping,
deregulating, privatizing, trickle-down policies,
and it has ended us up with the greatest economy on earth
staggering, and with the greatest amount of inequality
since the Great Depression.

== 7 of 12 ==
Date: Tues, Dec 23 2008 10:33 am
From: clams_casino

Dennis wrote:

>On Tue, 23 Dec 2008 09:04:02 -0500, clams_casino
><PeterGriffin@DrunkinClam.com> wrote:
>
>
>
>>Napoleon wrote:
>>
>>
>>
>>>On Mon, 22 Dec 2008 08:52:41 -0500, George <george@nospam.invalid>
>>>wrote:
>>>
>>>
>>>
>>>
>>>
>>>>or completely
>>>>eliminate the income tax and go to a sales tax with say a 35% rate to
>>>>collect equivalent tax funds.
>>>>
>>>>
>>>>
>>>>
>>>That's exactly what should be done. Sales tax only, no exceptions for
>>>anyone. In return, it would be required to fund National Healthcare
>>>with a single payer government fund.
>>>
>>>Then the rich would actually, possibly pay taxes. And for frugal
>>>people the hit would not be so bad since we know how to live without
>>>excessively spending anyways. It might also stop Americans from being
>>>considered as only "CONSUMERS" and we might become CITIZENS once
>>>again.
>>>
>>>Bah, ha, ha. Like that would ever happen. How would we fund the Afghan
>>>war?
>>>
>>>-N
>>>
>>>
>>>
>>>
>>Small business would love a sole reliance on sales tax. If you thought
>>tax compliance was lacking under the current system .............
>>
>>On the plus side, there would be a significant increase in employment
>>opportunities when the IRS would have to quadruple their size.
>>
>>
>
>All but a couple states already have facilities in place to collect
>sales tax.
>
>
>
>
Agreed, but the point is if the rate was to jump from 4-5% to 35%,
there would be significantly greater motivation to under estimate sales
taxes (particularly by small business). Considering payroll taxes are
relatively easy to monitor (it's in a business's best interest to
declare all wages as cost), there would be reduced interest to declare
all sales, requiring a significant increase in the IRS employment to
keep up with all the likely lost revenue..

== 8 of 12 ==
Date: Tues, Dec 23 2008 10:33 am
From: George

== 9 of 12 ==
Date: Tues, Dec 23 2008 11:05 am
From: clams_casino

George wrote:

> Napoleon wrote:
>
>> On Mon, 22 Dec 2008 08:52:41 -0500, George <george@nospam.invalid>
>> wrote:
>>
>>> or completely eliminate the income tax and go to a sales tax with
>>> say a 35% rate to collect equivalent tax funds.
>>
>>
>> That's exactly what should be done. Sales tax only, no exceptions for
>> anyone. In return, it would be required to fund National Healthcare
>> with a single payer government fund.
>> Then the rich would actually, possibly pay taxes. And for frugal
>> people the hit would not be so bad since we know how to live without
>> excessively spending anyways. It might also stop Americans from being
>> considered as only "CONSUMERS" and we might become CITIZENS once
>> again.
>>
>> Bah, ha, ha. Like that would ever happen. How would we fund the Afghan
>> war?
>>
>> -N
>
> Thats the wrong argument for why it would never happen. If a sales tax
> brought in the same amount of money then it is status quo. It won't
> happen because of the special interests such as those who have tax
> exemptions or considerations for whatever reason and the massive
> industry consisting of accountants and lawyers required for our
> current tax system.

It would also significantly shift the burden of tax from the upper
classes onto the lower and middle classes.

== 10 of 12 ==
Date: Tues, Dec 23 2008 12:10 pm
From: George

clams_casino wrote:
> Napoleon wrote:
>
>> On Mon, 22 Dec 2008 08:52:41 -0500, George <george@nospam.invalid>
>> wrote:
>>
>>
>>
>>> or completely eliminate the income tax and go to a sales tax with say
>>> a 35% rate to collect equivalent tax funds.
>>>
>>
>> That's exactly what should be done. Sales tax only, no exceptions for
>> anyone. In return, it would be required to fund National Healthcare
>> with a single payer government fund.
>> Then the rich would actually, possibly pay taxes. And for frugal
>> people the hit would not be so bad since we know how to live without
>> excessively spending anyways. It might also stop Americans from being
>> considered as only "CONSUMERS" and we might become CITIZENS once
>> again.
>>
>> Bah, ha, ha. Like that would ever happen. How would we fund the Afghan
>> war?
>>
>> -N
>>
>>
>
> Small business would love a sole reliance on sales tax. If you thought
> tax compliance was lacking under the current system .............

That wouldn't be in my state. The state dept of revenue is very
aggressive on sales tax compliance. It is not unknown for them to
suspect something and station an agent to watch and then jeopardy assess
the owner. Or since almost everything is computerized today they simply
ask the suppliers for records and then jeopardy assess using the largest
possible estimate.

>
> On the plus side, there would be a significant increase in employment
> opportunities when the IRS would have to quadruple their size.

If a state had a sales tax there would be no change. Since there
wouldn't be a need for the IRS it should be disbanded.

== 11 of 12 ==
Date: Tues, Dec 23 2008 12:17 pm
From: George

clams_casino wrote:
> George wrote:
>
>> Napoleon wrote:
>>
>>> On Mon, 22 Dec 2008 08:52:41 -0500, George <george@nospam.invalid>
>>> wrote:
>>>
>>>> or completely eliminate the income tax and go to a sales tax with
>>>> say a 35% rate to collect equivalent tax funds.
>>>
>>>
>>> That's exactly what should be done. Sales tax only, no exceptions for
>>> anyone. In return, it would be required to fund National Healthcare
>>> with a single payer government fund.
>>> Then the rich would actually, possibly pay taxes. And for frugal
>>> people the hit would not be so bad since we know how to live without
>>> excessively spending anyways. It might also stop Americans from being
>>> considered as only "CONSUMERS" and we might become CITIZENS once
>>> again.
>>>
>>> Bah, ha, ha. Like that would ever happen. How would we fund the Afghan
>>> war?
>>>
>>> -N
>>
>> Thats the wrong argument for why it would never happen. If a sales tax
>> brought in the same amount of money then it is status quo. It won't
>> happen because of the special interests such as those who have tax
>> exemptions or considerations for whatever reason and the massive
>> industry consisting of accountants and lawyers required for our
>> current tax system.
>
>
> It would also significantly shift the burden of tax from the upper
> classes onto the lower and middle classes.

It wouldn't have to if implemented in the same fashion as out state
sales tax. Food that you buy to prepare yourself is exempt and so is
basic clothing. Medical is exempt. Pretty much everything else is taxable.

== 12 of 12 ==
Date: Tues, Dec 23 2008 12:20 pm
From: Napoleon

On Tue, 23 Dec 2008 14:05:28 -0500, clams_casino
<PeterGriffin@DrunkinClam.com> wrote:

>It would also significantly shift the burden of tax from the upper
>classes onto the lower and middle classes.

How? The upper class buys less stuff than the lower and middle
classes? The upper class currently pays more tax than the lower and
middle classes?

-N

==============================================================================
TOPIC: OT: Holiday Picture
http://groups.google.com/group/misc.consumers.frugal-living/t/cbec63a1f70c7741?hl=en
==============================================================================

== 1 of 5 ==
Date: Tues, Dec 23 2008 6:34 am
From: Rick

Hello everyone,

I thought I would share our Christmas Picture with everyone. Every
year, we pick a cute picture to put on our Holiday card and this one
was just too adorable not to share with everyone. These two yearling
llamas are play mates and this year we caught them "kissing" in the
snow.

Here's the link - http://www.fiberartfest.com/faafBlog.htm

Merry Christmas and Happy Holidays everyone!

Regards,

Rick Boesen
Olivet, MI
www.FiberArtFest.com
www.QuesoCabezaFarm.com

== 2 of 5 ==
Date: Tues, Dec 23 2008 7:52 am
From: MSfortune@mcpmail.com

On Dec 23, 9:34 am, Rick <r...@quesocabezafarm.com> wrote:
> Hello everyone,
>
> I thought I would share our Christmas Picture with everyone. Every
> year, we pick a cute picture to put on our Holiday card and this one
> was just too adorable not to share with everyone. These two yearling
> llamas are play mates and this year we caught them "kissing" in the
> snow.
>
>
> Merry Christmas and Happy Holidays everyone!
>
> Regards,
>
> Rick Boesen

Just spamming the Internet with his store site.

== 3 of 5 ==
Date: Tues, Dec 23 2008 7:56 am
From: Rick

On Dec 23, 10:52 am, MSfort...@mcpmail.com wrote:
> On Dec 23, 9:34 am, Rick <r...@quesocabezafarm.com> wrote:
>
> > Hello everyone,
>
> > I thought I would share our Christmas Picture with everyone. Every
> > year, we pick a cute picture to put on our Holiday card and this one
> > was just too adorable not to share with everyone. These two yearling
> > llamas are play mates and this year we caught them "kissing" in the
> > snow.
>
> > Merry Christmas and Happy Holidays everyone!
>
> > Regards,
>
> > Rick Boesen
>
> Just spamming the Internet with his store site.

No. That's a link to my blog.

== 4 of 5 ==
Date: Tues, Dec 23 2008 8:55 am
From: clams_casino

Rick wrote:

>On Dec 23, 10:52 am, MSfort...@mcpmail.com wrote:
>
>
>>On Dec 23, 9:34 am, Rick <r...@quesocabezafarm.com> wrote:
>>
>>
>>
>>>Hello everyone,
>>>
>>>
>>>I thought I would share our Christmas Picture with everyone.
>>>
>>
>>>Rick Boesen
>>>
>>>
>>Just spamming the Internet with his store site.
>>
>>
>
>No. That's a link to my blog.
>
>
and that's not spam?

== 5 of 5 ==
Date: Tues, Dec 23 2008 9:00 am
From: Rick

On Dec 23, 11:55 am, clams_casino <PeterGrif...@DrunkinClam.com>
wrote:
> Rick wrote:
> >On Dec 23, 10:52 am, MSfort...@mcpmail.com wrote:
>
> >>On Dec 23, 9:34 am, Rick <r...@quesocabezafarm.com> wrote:
>
> >>>Hello everyone,
>
> >>>I thought I would share our Christmas Picture with everyone.
>
> >>>Rick Boesen
>
> >>Just spamming the Internet with his store site.
>
> >No. That's a link to my blog.
>
> and that's not spam?- Hide quoted text -
>
> - Show quoted text -

I was just sharing our Christmas card picture with everyone. If you
don't like it, I'm sorry - press delete. I wasn't trying to spam
anyone.

==============================================================================
TOPIC: Lower Wages for American Workers
http://groups.google.com/group/misc.consumers.frugal-living/t/41617a060889d131?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Dec 23 2008 8:34 am
From: Strabo

Macuser wrote:
> The Bush "plan" was very self-dealing, giving out jobs and favors to the
> connected and loyal to the franchise. "Brownie," a horse trader put in
> charge of FEMA, is an example of this. 30 days left of this, and thank
> god almighty we will be free at last from the Bushes.
>

Obama wants Bush war team to stay
Bill Gertz (Contact)
Monday, December 22, 2008

Secretary of Defense Robert Gates, who has been named to the same
Cabinet post in the incoming administration of President-elect Barack
Obama, is asking experienced members of the Bush war team to stick
around to smooth the transition in the Pentagon. (File photo)

Defense Secretary Robert M. Gates has asked most Bush administration
political appointees except those targeted for dismissal to stay on in
the Pentagon until replaced by the Obama administration in the coming
months.

"I have received authorization from the president-elect's transition
team to extend a number of Department of Defense political appointees an
invitation to voluntarily remain in their current positions until
replaced," Mr. Gates said in an Dec. 19 e-mail to political appointees.

The chance to stay is "available to all willing political appointees
with the exception of those who are contacted individually and told
otherwise," he stated.

Notification of those who must depart was to be done before the close of
business Monday. The identity of the dismissed officials could not be
learned.

The policy affects some 250 political appointees in the department.
Deputy Defense Secretary Gordon England and Undersecretary of Defense
for Policy Eric Edelman have already announced they plan to depart by
Jan. 20.

Two senior officials expected to stay are John Young, the undersecretary
of defense for acquisition, technology and logistics, and James R.
Clapper, the undersecretary of defense for intelligence.

About 40 positions in the Pentagon require Senate confirmation,
including the undersecretaries and assistant secretaries and some
deputies. The rest do not require a formal presidential nomination and
Senate approval and can be made by the defense secretary.

Senate confirmation in some cases can take months and require hearings.
In other cases, nominees can be approved within a few weeks of nomination.

Geoff Morrell, Pentagon press secretary, confirmed that Mr. Gates wants
to retain most political appointees. He said the policy of keeping so
many holdover officials is unusual for a transition from a Republican to
Democratic administration.

The decision to keep the appointees is part of an effort by Mr. Gates to
avoid a "leadership vacuum" at a time when the United States in engaged
in wars in Iraq and Afghanistan, Mr. Morrell said.

Other federal agencies are not keeping political appointees, including
the state, justice and homeland security departments that are planning
personnel changes without Bush administration appointees in place.

It is his top priority to ensure a smooth transition, Mr. Morrell said
of Mr. Gates.

Mr. Morrell, a deputy assistant secretary who is also staying on, said
most of the service secretaries and undersecretaries will be staying,
until their replacement is nominated and confirmed by the Senate.

In the past, a change of administration normally involved mass
resignations of political appointees between November and January,
leaving subordinates in key policy positions as "acting" officials.

Not all the political appointees will be permitted to stay, but Mr.
Morrell declined to identify those asked to leave.

"To the extent you are willing and in a position to continue to serve, I
am deeply appreciative," Mr. Gates stated in the email. "However, I
encourage you to continue to prudently plan for the transition from DOD
employment, as the pace of personnel decisions by the incoming
administration is likely to accelerate."

Mr. Gates said he could not provide "more clarity and guidance" on how
long those that wish to become holdovers will be allowed to stay on in
their positions.

The secretary said he appreciated the appointees' willingness to
continue "in the interest of providing continuity for this department
and for its critical mission to the nation in a time of war."

Mr. Gates promised to thank each appointee personally in January. "But I
still want to take advantage of this note to thank you collectively for
all you have done for our country. I wish you and yours happy holidays,"
he said.

The note was signed "Bob Gates" and sent by Mr. Gates' chief of staff,
Robert Rangel.

<
http://www.washingtontimes.com/news/2008/dec/22/obama-wants-bush-war-team-stay/?page=2
>

Your suffering has only begun.

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TOPIC: Collision insurance
http://groups.google.com/group/misc.consumers.frugal-living/t/2850cf9d787416a8?hl=en
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== 1 of 1 ==
Date: Tues, Dec 23 2008 9:00 am
From: Vic Smith

On Mon, 22 Dec 2008 19:47:04 -0500, Marsha <mas@xeb.net> wrote:

>SpammersDie wrote:
>> "Marsha" <mas@xeb.net> wrote in message news:gip8pc$vmn$1@news.datemas.de...
>>> Looking for opinions of when to drop insurance coverage on a car and keep
>>> only liability coverage.
>>
>> That's a function of your financial net worth, current and expected income,
>> the role the vehicle plays in your life and the FMV of the vehicle. Only you
>> know most of this data.
>>
>> Drop the collision when you can answer yes to at least one of these:
>>
>> 1. Is your financial picture solid enough that you could pay cash today for
>> a comparable 2004 Malibu without enduring hardship?
>>
>> If yes, dump the collision and comp. You don't have a financial
>> stability risk to insure here so why pay premiums.
>>
>>
>> 2. Can that car vanish from your life today and not be replaced without you
>> enduring hardship (e.g. it's the third car in a two-driver household?)
>>
>> If yes, dump the collision and comp. If car is destroyed, do without.
>>
>
>Yes and Yes. I have another older car that does not have comp and
>collision, and I could pay cash for another comparable car without undue
>hardship. Just undecided whether to take that chance this early. The
>insurance company is charging $125.00/yr for collision and $45.00 for
>damage other than collision, but the car is still worth about $7,000.
>
Personal decision. I would keep it because of cost/possible benefit
ratio. Given your premium, I might keep it until the car is worth
less than $3500 or so. But like just about everything insurance
related, your tolerance for risk should be your guide.
If you can write off $7000 without "undue hardship" where's the "undue
hardship" about kicking in $170 a year?

--Vic

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http://groups.google.com/group/misc.consumers.frugal-living/t/84398525f3c6ec8e?hl=en
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