<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">That's a good point, David. In fact, a lot of insurance companies won't even insure a $1500 car for comprehensive. It doesn't make sense to them either.<VAR id=yui-ie-cursor></VAR><BR style="RIGHT: auto" class=yui-cursor></SPAN></div>
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<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>
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<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> David Love <davidlovepianos@comcast.net><BR><B><SPAN style="FONT-WEIGHT: bold">To:</SPAN></B> pianotech@ptg.org<BR><B><SPAN style="FONT-WEIGHT: bold">Sent:</SPAN></B> Wednesday, November 9, 2011 9:24 AM<BR><B><SPAN style="FONT-WEIGHT: bold">Subject:</SPAN></B> Re: [pianotech] vehicle lease<BR></FONT><BR>
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<div class=yiv1799600576MsoNormal><SPAN style="FONT-FAMILY: 'sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">That’s right. And it depends on the value of the car. Comprehensive on a $1500 car doesn’t sense but comprehensive on a $25000 car does. You are insuring against catastrophic failure, as it were. Your affordable monthly payment prevents you from having to pull out for a $5000 repair for which there’s no guarantee that it won’t happen again a week after you get the car back. You don’t buy comprehensive insurance for window replacement. </SPAN></div>
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<div class=yiv1799600576MsoNormal><SPAN style="FONT-FAMILY: 'sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">David Love</SPAN></div>
<div class=yiv1799600576MsoNormal><SPAN style="FONT-FAMILY: 'sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><A href="http://www.davidlovepianos.com/" target=_blank>www.davidlovepianos.com</A></SPAN></div></DIV>
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<div class=yiv1799600576MsoNormal><B><SPAN style="FONT-FAMILY: 'sans-serif'; FONT-SIZE: 10pt">From:</SPAN></B><SPAN style="FONT-FAMILY: 'sans-serif'; FONT-SIZE: 10pt"> pianotech-bounces@ptg.org [mailto:pianotech-bounces@ptg.org] <B>On Behalf Of </B>Dean May<BR><B>Sent:</B> Wednesday, November 09, 2011 6:48 AM<BR><B>To:</B> pianotech@ptg.org<BR><B>Subject:</B> Re: [pianotech] vehicle lease</SPAN></div></DIV></DIV>
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<div class=yiv1799600576MsoNormal><SPAN style="FONT-FAMILY: 'sans-serif'; COLOR: navy; FONT-SIZE: 10pt">Matthew, if you wish to argue that your approach is more convenient and gives you a level of security, fine. For you to imply, though, that it saves you money in the long run is ridiculous. Insurance companies make money for a reason. Lots of money, actually. Their biggest problem is what to do with all the cash they generate. I’d bet you have spent several times what I’ve spent on vehicles, maintenance, and insurance. Admiittedly, my approach takes a little more work, a little more thinking outside the box, perhaps more inconvenient at times. For the 10s of thousands of dollars it has saved me in my lifetime, I’d say it is worth it. YMMV.</SPAN></div>
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<div class=yiv1799600576MsoAutoSig><B><SPAN style="FONT-FAMILY: 'serif'; COLOR: navy; FONT-SIZE: 20pt">Dean</SPAN></B><B><SPAN style="FONT-FAMILY: 'serif'; COLOR: navy; FONT-SIZE: 20pt"></SPAN></B></div>
<div class=yiv1799600576MsoAutoSig><SPAN style="FONT-FAMILY: 'serif'; COLOR: navy; FONT-SIZE: 10pt">Dean W May (812) 235-5272 voice and text</SPAN><SPAN style="COLOR: navy"></SPAN></div>
<div class=yiv1799600576MsoAutoSig><SPAN style="FONT-FAMILY: 'serif'; COLOR: navy; FONT-SIZE: 10pt"><A href="http://pianorebuilders.com/" target=_blank>PianoRebuilders.com</A> (888) DEAN-MAY </SPAN><SPAN style="COLOR: navy"></SPAN></div>
<div class=yiv1799600576MsoAutoSig><SPAN style="FONT-SIZE: 10pt"><SPAN style="FONT-FAMILY: 'serif'; COLOR: navy">Terre Haute</SPAN><SPAN class=yiv1799600576msoIns></SPAN></SPAN><SPAN style="FONT-FAMILY: 'serif'; COLOR: navy; FONT-SIZE: 10pt"> </SPAN><SPAN style="FONT-SIZE: 10pt"><SPAN style="FONT-FAMILY: 'serif'; COLOR: navy">IN</SPAN><SPAN class=yiv1799600576msoIns></SPAN></SPAN><SPAN style="FONT-FAMILY: 'serif'; COLOR: navy; FONT-SIZE: 10pt"> </SPAN><SPAN style="FONT-SIZE: 10pt"><SPAN style="FONT-FAMILY: 'serif'; COLOR: navy">47802 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><SPAN class=yiv1799600576msoIns></SPAN></SPAN></div></DIV>
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<div class=yiv1799600576MsoNormal><B><SPAN style="FONT-FAMILY: 'sans-serif'; FONT-SIZE: 10pt">From:</SPAN></B><SPAN style="FONT-FAMILY: 'sans-serif'; FONT-SIZE: 10pt"> pianotech-bounces@ptg.org [mailto:pianotech-bounces@ptg.org] <B>On Behalf Of </B>Matthew Todd<BR><B>Sent:</B> Wednesday, November 09, 2011 8:33 AM<BR><B>To:</B> Rob McCall; pianotech@ptg.org<BR><B>Subject:</B> Re: [pianotech] vehicle lease</SPAN></div></DIV>
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<div style="BACKGROUND: white" class=yiv1799600576MsoNormal><SPAN style="FONT-FAMILY: 'sans-serif'; COLOR: black; FONT-SIZE: 10pt">True. Unless of course, someone rearends you.....and wouldn't ya know? They don't have insurance! Ooops, guess I just lost that money I thought I was saving over the years :-)</SPAN></div></DIV>
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<div style="BACKGROUND: white" class=yiv1799600576MsoNormal><B><U><SPAN style="FONT-FAMILY: 'sans-serif'; COLOR: blue; FONT-SIZE: 13.5pt">TODD PIANO WORKS</SPAN></U></B><SPAN style="FONT-FAMILY: 'sans-serif'; COLOR: black; FONT-SIZE: 10pt"> <BR></SPAN><SPAN style="FONT-FAMILY: 'sans-serif'; COLOR: blue">Matthew Todd, Piano Technician</SPAN><SPAN style="FONT-FAMILY: 'sans-serif'; COLOR: blue; FONT-SIZE: 10pt"> <BR></SPAN><SPAN style="FONT-FAMILY: 'sans-serif'; COLOR: blue">(979) 248-9578</SPAN><SPAN style="FONT-FAMILY: 'sans-serif'; COLOR: black; FONT-SIZE: 10pt"></SPAN></div></DIV>
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<div style="BACKGROUND: white" class=yiv1799600576MsoNormal><SPAN style="FONT-FAMILY: 'sans-serif'; COLOR: blue">http://www.toddpianoworks.com/</SPAN><SPAN style="FONT-FAMILY: 'sans-serif'; COLOR: black; FONT-SIZE: 10pt"></SPAN></div></DIV>
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