<html><body><div style="color:#000; background-color:#fff; font-family:arial, helvetica, sans-serif;font-size:10pt"><div style="RIGHT: auto"><SPAN style="RIGHT: auto">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.<VAR id=yui-ie-cursor></VAR><BR style="RIGHT: auto" class=yui-cursor></SPAN></div> <DIV></DIV> <DIV> </DIV> <DIV><B><FONT color=#0000ff size=4><SPAN style="FONT-WEIGHT: normal"></SPAN></FONT></B><B><FONT color=#0000ff size=4><U>TODD PIANO WORKS</U></FONT></B> <BR><FONT color=#0000ff><FONT size=3>Matthew Todd, Piano Technician</FONT> <BR><FONT size=3>(979) 248-9578</FONT></FONT></DIV> <DIV><FONT color=#0000ff size=3><A href="http://www.toddpianoworks.com/" rel=nofollow target=_blank>http://www.toddpianoworks.com</A></FONT></DIV> <div><BR></div> <DIV style="FONT-FAMILY: arial, helvetica, sans-serif; FONT-SIZE: 10pt"> <DIV style="FONT-FAMILY: times new roman, new york, times, serif; FONT-SIZE: 12pt"><FONT size=2 face=Arial> <DIV style="BORDER-BOTTOM: #ccc 1px solid; BORDER-LEFT: #ccc 1px solid; PADDING-BOTTOM: 0px; LINE-HEIGHT: 0; MARGIN: 5px 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; HEIGHT: 0px; FONT-SIZE: 0px; BORDER-TOP: #ccc 1px solid; BORDER-RIGHT: #ccc 1px solid; PADDING-TOP: 0px" class=hr contentEditable=false readonly="true"></DIV><B><SPAN style="FONT-WEIGHT: bold">From:</SPAN></B> Dean May <deanmay@pianorebuilders.com><BR><B><SPAN style="FONT-WEIGHT: bold">To:</SPAN></B> pianotech@ptg.org<BR><B><SPAN style="FONT-WEIGHT: bold">Sent:</SPAN></B> Tuesday, November 8, 2011 6:25 AM<BR><B><SPAN style="FONT-WEIGHT: bold">Subject:</SPAN></B> Re: [pianotech] vehicle lease<BR></FONT><BR> <DIV id=yiv379437147> <STYLE>  </STYLE> <DIV> <DIV class=yiv379437147Section1> <div class=yiv379437147MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt">The bottom line of your net income may appear smaller, but what counts is the bottom line of your available income. If leasing puts you in a lower tax bracket you may end up paying less in taxes. If you use tax software it’s pretty easy to play with the numbers to see how it works out.</SPAN></FONT></div> <div class=yiv379437147MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt"> </SPAN></FONT></div> <div class=yiv379437147MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt">If you are really interested in bottom line, do not buy or lease new. Lots of good vehicles out there for $1500 to $3000. Pay cash. You get a big savings on insurance as well since minimum coverage is all you need. These are disposable vehicles. If you total one, just go buy another. </SPAN></FONT></div> <div class=yiv379437147MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt"> </SPAN></FONT></div> <div class=yiv379437147MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt">Autotraders.com or cars.com are great sites to find exactly the used vehicle you are looking for at great prices. I have bought and sold on those sites and had very good experience. Craigslist.com is also a great place to find good deals. Download the Craigslist Reader Pro for free and you’ve got a nice search engine that enables you to do some pretty powerful searching.</SPAN></FONT></div> <div class=yiv379437147MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt"> </SPAN></FONT></div> <div class=yiv379437147MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt">I recently got running a vintage Honda CB900, 1981. Last plated in 1991; it sat in a barn for 20 years.</SPAN></FONT></div> <div class=yiv379437147MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt"><IMG id=yiv379437147_x0000_i1026 src="cid:1.1553900311@web83810.mail.sp1.yahoo.com" width=231 height=308></SPAN></FONT></div> <div class=yiv379437147MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt"> </SPAN></FONT></div> <div class=yiv379437147MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt">It’s my new service vehicle if it isn’t raining. I’m loving it, even on cooler days, and getting 35-40 mpg. I’ve got about $1500 in it total ($500 for the bike, $1k for parts and stuff) and lots of fun evenings tinkering in the garage with my adult sons and son in law. There are some amazing motorcycle deals on CraigsList. And lots of internet forums for specific model bikes to help you fix them. I’m on 2 for my bike and they both sure made my project easier. </SPAN></FONT></div> <div class=yiv379437147MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt"> </SPAN></FONT></div> <div class=yiv379437147MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt"> </SPAN></FONT></div> <DIV> <div class=yiv379437147MsoAutoSig><B><FONT color=navy size=5 face="Lucida Calligraphy"><SPAN style="FONT-FAMILY: 'Lucida Calligraphy'; COLOR: navy; FONT-SIZE: 20pt; FONT-WEIGHT: bold">Dean</SPAN></FONT></B><B><FONT color=navy size=5 face="CAC Leslie"><SPAN style="FONT-FAMILY: 'CAC Leslie'; COLOR: navy; FONT-SIZE: 20pt; FONT-WEIGHT: bold"></SPAN></FONT></B></div> <div class=yiv379437147MsoAutoSig><FONT color=navy size=2 face=AGaramond><SPAN style="FONT-FAMILY: AGaramond; COLOR: navy; FONT-SIZE: 10pt">Dean W May                        (812) 235-5272 voice and text</SPAN></FONT><FONT color=navy><SPAN style="COLOR: navy"></SPAN></FONT></div> <div class=yiv379437147MsoAutoSig><FONT color=navy size=2 face=AGaramond><SPAN style="FONT-FAMILY: AGaramond; COLOR: navy; FONT-SIZE: 10pt">PianoRebuilders.com           (888) DEAN-MAY         </SPAN></FONT><FONT color=navy><SPAN style="COLOR: navy"></SPAN></FONT></div> <div class=yiv379437147MsoAutoSig><FONT size=2 face=AGaramond><SPAN style="FONT-FAMILY: AGaramond; FONT-SIZE: 10pt"><FONT color=navy><SPAN style="COLOR: navy">Terre Haute</SPAN></FONT><FONT color=navy><SPAN style="COLOR: navy"> </SPAN></FONT><FONT color=navy><SPAN style="COLOR: navy">IN</SPAN></FONT><FONT color=navy><SPAN style="COLOR: navy"> </SPAN></FONT><FONT color=navy><SPAN style="COLOR: navy">47802</SPAN></FONT><FONT color=navy><SPAN style="COLOR: navy">           Give us a LIKE on Facebook! <A href="https://www.facebook.com/pages/PianoRebuilderscom/137780082943148" rel=nofollow target=_blank>Go to PianoRebuilders.com</A></SPAN></FONT></SPAN></FONT></div></DIV> <DIV> <DIV style="TEXT-ALIGN: center" class=yiv379437147MsoNormal align=center><FONT size=3 face="Times New Roman"><SPAN style="FONT-SIZE: 12pt"> <DIV style="BORDER-BOTTOM: #ccc 1px solid; BORDER-LEFT: #ccc 1px solid; PADDING-BOTTOM: 0px; LINE-HEIGHT: 0; MARGIN: 5px 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; HEIGHT: 0px; FONT-SIZE: 0px; BORDER-TOP: #ccc 1px solid; BORDER-RIGHT: #ccc 1px solid; PADDING-TOP: 0px" class=hr contentEditable=false readonly="true"></DIV></SPAN></FONT></DIV> <div class=yiv379437147MsoNormal><B><FONT size=2 face=Tahoma><SPAN style="FONT-FAMILY: Tahoma; FONT-SIZE: 10pt; FONT-WEIGHT: bold">From:</SPAN></FONT></B><FONT size=2 face=Tahoma><SPAN style="FONT-FAMILY: Tahoma; FONT-SIZE: 10pt"> pianotech-bounces@ptg.org [mailto:pianotech-bounces@ptg.org] <B><SPAN style="FONT-WEIGHT: bold">On Behalf Of </SPAN></B>Matthew Todd<BR><B><SPAN style="FONT-WEIGHT: bold">Sent:</SPAN></B> Monday, November 07, 2011 10:41 PM<BR><B><SPAN style="FONT-WEIGHT: bold">To:</SPAN></B> pianotech@ptg.org<BR><B><SPAN style="FONT-WEIGHT: bold">Subject:</SPAN></B> Re: [pianotech] vehicle lease</SPAN></FONT></div></DIV> <div class=yiv379437147MsoNormal><FONT size=3 face="Times New Roman"><SPAN style="FONT-SIZE: 12pt"> </SPAN></FONT></div> <DIV> <DIV> <div style="BACKGROUND: white" class=yiv379437147MsoNormal><FONT color=black size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: black; FONT-SIZE: 10pt">I just bought a vehicle with 0% interest.  I paid taxes, registration, and all extra costs out of pocket.  Waaaaaay cheaper than a lease.</SPAN></FONT></div></DIV> <DIV> <div style="BACKGROUND: white" class=yiv379437147MsoNormal><FONT color=black size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: black; FONT-SIZE: 10pt"> </SPAN></FONT></div></DIV><SPAN> <DIV> <div style="BACKGROUND: white" class=yiv379437147MsoNormal><FONT color=black size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: black; FONT-SIZE: 10pt">I also didn't buy into the whole "you can write everything off if you leased".  The more you write off, the smaller your bottom line is on paper.</SPAN></FONT></div></DIV></SPAN> <DIV> <div style="BACKGROUND: white" class=yiv379437147MsoNormal><FONT color=black size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: black; FONT-SIZE: 10pt"> </SPAN></FONT></div></DIV> <DIV> <div style="BACKGROUND: white" class=yiv379437147MsoNormal><B><U><FONT color=blue size=4 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: blue; FONT-SIZE: 13.5pt; FONT-WEIGHT: bold">TODD PIANO WORKS</SPAN></FONT></U></B><FONT color=black size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: black; FONT-SIZE: 10pt"> <BR></SPAN></FONT><FONT color=blue face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: blue">Matthew Todd, Piano Technician</SPAN></FONT><FONT color=blue size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: blue; FONT-SIZE: 10pt"> <BR></SPAN></FONT><FONT color=blue face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: blue">(979) 248-9578</SPAN></FONT><FONT color=black size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: black; FONT-SIZE: 10pt"></SPAN></FONT></div></DIV> <DIV> <div style="BACKGROUND: white" class=yiv379437147MsoNormal><FONT color=blue size=3 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: blue; FONT-SIZE: 12pt"><A href="http://www.toddpianoworks.com/" rel=nofollow target=_blank>http://www.toddpianoworks.com</A></SPAN></FONT><FONT color=black size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: black; FONT-SIZE: 10pt"></SPAN></FONT></div></DIV> <DIV> <div style="BACKGROUND: white" class=yiv379437147MsoNormal><FONT color=black size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: black; FONT-SIZE: 10pt"> </SPAN></FONT></div></DIV> <DIV> <DIV> <div style="MARGIN-BOTTOM: 12pt; BACKGROUND: white" class=yiv379437147MsoNormal><B><FONT color=black size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: black; FONT-SIZE: 10pt; FONT-WEIGHT: bold">From:</SPAN></FONT></B><FONT color=black size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: black; FONT-SIZE: 10pt"> Tom Driscoll <tomtuner@verizon.net><BR><B><SPAN style="FONT-WEIGHT: bold">To:</SPAN></B> pianotech@ptg.org<BR><B><SPAN style="FONT-WEIGHT: bold">Sent:</SPAN></B> Monday, November 7, 2011 1:44 PM<BR><B><SPAN style="FONT-WEIGHT: bold">Subject:</SPAN></B> [pianotech] vehicle lease</SPAN></FONT><FONT color=black><SPAN style="COLOR: black"></SPAN></FONT></div> <DIV id=yiv379437147> <DIV> <DIV> <div style="BACKGROUND: white" class=yiv379437147MsoNormal><FONT color=black size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: black; FONT-SIZE: 10pt">List,</SPAN></FONT><FONT color=black><SPAN style="COLOR: black"></SPAN></FONT></div></DIV> <DIV> <div style="BACKGROUND: white" class=yiv379437147MsoNormal><FONT color=black size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: black; FONT-SIZE: 10pt">  Anyone out there lease their service vehicle ?</SPAN></FONT><FONT color=black><SPAN style="COLOR: black"></SPAN></FONT></div></DIV> <DIV> <div style="BACKGROUND: white" class=yiv379437147MsoNormal><FONT color=black size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: black; FONT-SIZE: 10pt">My Hyundai Santafe has been great but it's bigger than I need and I'm at the tipping point so to speak. That is big $ repairs on the horizon.</SPAN></FONT><FONT color=black><SPAN style="COLOR: black"></SPAN></FONT></div></DIV> <DIV> <div style="BACKGROUND: white" class=yiv379437147MsoNormal><FONT color=black size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: black; FONT-SIZE: 10pt"> I'm thinking about a fuel efficient little wagon --Kia soul, nissan cube. Chevy  whatever it it's called.</SPAN></FONT><FONT color=black><SPAN style="COLOR: black"></SPAN></FONT></div></DIV> <DIV> <div style="BACKGROUND: white" class=yiv379437147MsoNormal><FONT color=black size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: black; FONT-SIZE: 10pt"> Any way your collective thoughts, experiences appreciated.</SPAN></FONT><FONT color=black><SPAN style="COLOR: black"></SPAN></FONT></div></DIV> <DIV> <div style="BACKGROUND: white" class=yiv379437147MsoNormal><FONT color=black size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: black; FONT-SIZE: 10pt"> Tom Driscoll</SPAN></FONT><FONT color=black><SPAN style="COLOR: black"></SPAN></FONT></div></DIV></DIV></DIV> <div style="MARGIN-BOTTOM: 12pt; BACKGROUND: white" class=yiv379437147MsoNormal><FONT color=black size=3 face="Times New Roman"><SPAN style="COLOR: black; FONT-SIZE: 12pt"> </SPAN></FONT></div></DIV></DIV></DIV></DIV></DIV></DIV><BR><BR></DIV></DIV></div></body></html>