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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Sounds like you’re not making the right decisions or finding the right vehicles. I picked my Caddy up from an older man, retired, from Florida, never seen winter. Seen plenty of snow now though. I looked for 6 months, was in no hurry and there it was. Either that or you’re plagued with bad luck. </span><span style='font-size:11.0pt;font-family:Wingdings;color:#1F497D'>J</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Jer<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> pianotech-bounces@ptg.org [mailto:pianotech-bounces@ptg.org] <b>On Behalf Of </b>Matthew Todd<br><b>Sent:</b> Tuesday, November 08, 2011 10:12 AM<br><b>To:</b> pianotech@ptg.org<br><b>Subject:</b> Re: [pianotech] vehicle lease<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><div><div><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>I don't see how you can save money on buying $1500 vehicles, with all the added maintenance that comes with it. I bought a used car several years back for $2000. It drove for about nine months before I had to take it in for a repair. The estimate came back at $3500 (not including added work that also needed to be done later). $3500 + $2000=$5500, divided by 9 months? That adds up to more than twice a car payment can be.<o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> <o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Also, I had a windshield replaced 6 years ago by someone. He charged me $35 at the time. He didn't seal the windshield completely and I was left it and paid more out of pocket to get it fixed.<o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> <o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Having the extra coverage doesn't make me extravagant. It just means, I am prepared for what could happen. I also had to put in a claim because someone broke a window and stole my CD player. $50 deductible for a $450 CD player and $250 for the window. This added coverage has saved me more than what I've already paid into it. It doesn't cost that much more.<o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> <o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> . <o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><b><u><span style='font-size:13.5pt;font-family:"Arial","sans-serif";color:blue'>TODD PIANO WORKS</span></u></b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> <br></span><span style='font-family:"Arial","sans-serif";color:blue'>Matthew Todd, Piano Technician</span><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:blue'> <br></span><span style='font-family:"Arial","sans-serif";color:blue'>(979) 248-9578</span><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-family:"Arial","sans-serif";color:blue'><a href="http://www.toddpianoworks.com/" target="_blank">http://www.toddpianoworks.com</a></span><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><o:p> </o:p></span></p></div><div><div><p class=MsoNormal style='margin-bottom:12.0pt;background:white'><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>From:</span></b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> Dean May <deanmay@pianorebuilders.com><br><b>To:</b> pianotech@ptg.org<br><b>Sent:</b> Tuesday, November 8, 2011 8:50 AM<br><b>Subject:</b> Re: [pianotech] vehicle lease</span><span style='color:black'><o:p></o:p></span></p><div id=yiv313008950><div><div><div><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:navy'>My experience is that kind of coverage makes you an extravagant consumer and is the same reason our health care system is a mess. For a $1500 vehicle I would not spend $500 on a new windshield. I’d get one from the salvage yard for less than $50 and find an installer who moonlights and would install it for $40. And I still save money compared to what extended insurance coverage costs. I’ve saved thousands in the years I’ve been driving following this rationale. YMMV. </span><span style='color:black'><o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:navy'> </span><span style='color:black'><o:p></o:p></span></p></div><div><div><p class=MsoNormal style='background:white'><b><span style='font-size:20.0pt;font-family:"Lucida Calligraphy";color:navy'>Dean</span></b><span style='color:black'><o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:AGaramond;color:navy'>Dean W May (812) 235-5272 voice and text</span><span style='color:black'><o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:AGaramond;color:navy'>PianoRebuilders.com (888) DEAN-MAY </span><span style='color:black'><o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:AGaramond;color:navy'>Terre Haute IN 47802 Give us a LIKE on Facebook! <a href="https://www.facebook.com/pages/PianoRebuilderscom/137780082943148" target="_blank">Go to PianoRebuilders.com</a></span><span style='color:black'><o:p></o:p></span></p></div></div><div><div><p class=MsoNormal style='background:white'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'> pianotech-bounces@ptg.org [mailto:pianotech-bounces@ptg.org] <b>On Behalf Of </b>Matthew Todd<br><b>Sent:</b> Tuesday, November 08, 2011 9:32 AM<br><b>To:</b> pianotech@ptg.org<br><b>Subject:</b> Re: [pianotech] vehicle lease</span><span style='color:black'><o:p></o:p></span></p></div></div><div><p class=MsoNormal style='background:white'><span style='color:black'> <o:p></o:p></span></p></div><div><div><div><p class=MsoNormal style='margin-bottom:12.0pt;background:white'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>I've never had minimum insurance coverage and never plan to. Comprehensive is a good thing to have. Example: I recently paid $50 (deductible) for a $500 windshield.</span><span style='color:black'><o:p></o:p></span></p></div></div><div><div><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> </span><span style='color:black'><o:p></o:p></span></p></div></div><div><div><p class=MsoNormal style='background:white'><b><u><span style='font-size:13.5pt;font-family:"Arial","sans-serif";color:blue'>TODD PIANO WORKS</span></u></b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> <br></span><span style='font-family:"Arial","sans-serif";color:blue'>Matthew Todd, Piano Technician</span><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:blue'> <br></span><span style='font-family:"Arial","sans-serif";color:blue'>(979) 248-9578</span><span style='color:black'><o:p></o:p></span></p></div></div><div><div><div id=yiv313008950><div><div><div><div><div><div style='margin-bottom:12.0pt'><div><p class=MsoNormal style='background:white'><span style='font-family:"Arial","sans-serif";color:blue'><a href="http://www.toddpianoworks.com/" target="_blank">http://www.toddpianoworks.com</a></span><span style='color:black'><o:p></o:p></span></p></div></div></div></div></div></div></div></div><div style='margin-bottom:12.0pt'><p class=MsoNormal style='background:white'><span style='color:black'> <o:p></o:p></span></p></div></div></div></div></div></div></div><p class=MsoNormal style='margin-bottom:12.0pt;background:white'><span style='color:black'><o:p> </o:p></span></p></div></div></div></div></body></html>