<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 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.</SPAN></div> <div style="RIGHT: auto"><SPAN style="RIGHT: auto"></SPAN> </div> <div style="RIGHT: auto"><SPAN style="RIGHT: auto">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.</SPAN></div> <div style="RIGHT: auto"><SPAN style="RIGHT: auto"></SPAN> </div> <div style="RIGHT: auto"><SPAN style="RIGHT: auto">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.<VAR id=yui-ie-cursor></VAR></SPAN></div> <div> </div> <div style="RIGHT: auto"> .  </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 8:50 AM<BR><B><SPAN style="FONT-WEIGHT: bold">Subject:</SPAN></B> Re: [pianotech] vehicle lease<BR></FONT><BR> <DIV style="RIGHT: auto" id=yiv313008950> <STYLE>  </STYLE> <DIV style="RIGHT: auto"> <DIV style="RIGHT: auto" class=yiv313008950Section1> <div style="RIGHT: auto" class=yiv313008950MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt">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></FONT></div> <div class=yiv313008950MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt"> </SPAN></FONT></div> <DIV> <div class=yiv313008950MsoAutoSig><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=yiv313008950MsoAutoSig><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=yiv313008950MsoAutoSig><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=yiv313008950MsoAutoSig><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=yiv313008950MsoNormal 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=yiv313008950MsoNormal><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> Tuesday, November 08, 2011 9:32 AM<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=yiv313008950MsoNormal><FONT size=3 face="Times New Roman"><SPAN style="FONT-SIZE: 12pt"> </SPAN></FONT></div> <DIV> <DIV> <div style="BACKGROUND: white" class=yiv313008950MsoNormal><FONT color=black size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: black; FONT-SIZE: 10pt">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.<BR><BR></SPAN></FONT></div></DIV> <DIV> <div style="BACKGROUND: white" class=yiv313008950MsoNormal><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=yiv313008950MsoNormal><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> <DIV id=yiv313008950> <DIV> <DIV> <DIV> <DIV> <DIV> <DIV style="MARGIN-BOTTOM: 12pt"> <div style="BACKGROUND: white" class=yiv313008950MsoNormal><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><SPAN style="COLOR: black"></SPAN></FONT></div></DIV></DIV></DIV></DIV></DIV></DIV></DIV> <div style="MARGIN-BOTTOM: 12pt; BACKGROUND: white" class=yiv313008950MsoNormal><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>