Text 30800, 81 rader
Skriven 2012-11-04 12:57:00 av JIM WELLER (1:123/140)
     Kommentar till en text av DAVE DRUM
Ärende: insurance
=================
-=> Quoting Dave Drum to Jim Weller <=-

 DD> Even those who do have insurance can get a royal horse fu.....!

Yep. One has to read and understand the policy they purchase.

 DD> I learned about (too late) replacement cost insurance.

It costs more but it is worth it. My policy premiums recently jumped
20% So I made inquiries. It turns out that since Yellowknife adopted
Energuide-80 building specs, way above the national codes, that
local construction costs have gone up 20%. And if I didn't increase
my coverage then my payout would only be 80%. So I did. I also
increased the deductible substantially to help lower the total bill.

 DD> I blame my agent

It doesn't happen often, but sometimes agents can be sued
successfully for bad advise.

 DD> I now have an inventory, stored off site.

A wise plan. Also check the policy for limits on such items as
photographs, books, stamp or coin collections and jewelry or art and
if you have such things get a rider and purchase extra coverage 9and
an independent appraisal).

The most insidious policy is one for listed perils rather than
comprehensive coverage where the most common perils are conveniently
omitted. In Yellowknife that would be water damage from burst
pipes. I knew a lady who had just such a policy; her tenants were
away over a holiday weekend when her hot water tank burst spraying
out thousands of gallons of hot, steamy water for 72 hours that not
only caused flooding damage but mold growth. Her claim was denied as
that wasn't a listed peril but she successfully sued the owner/
broker of her insurance agency over the employee's bad advice and
lack of supervision and training by the broker.

MMMMM----- Recipe via Meal-Master (tm) v8.06
 
      Title: Colorful Potato Casserole
 Categories: Vegetarian, Chilies, Casseroles, Eggs, Jewish
      Yield: 8 Servings
 
      2 tb Oil
      1 lg Onion; chopped
      1 lb Yellow squash; grated
      2 lg Carrots; grated
      2 lg Baking potatoes; peeled
      2    Egg whites and
      1    Whole egg
      1 ts Salt
    1/4 ts Pepper
      2 tb Dill; chopped
    1/3 c  Parsley; chopped
    1/4 c  Matzo meal
      1 tb Vegetable oil
      1 ts Paprika
 
  Preheat oven to 350 F. Heat 2 tablespoons oil in a skillet, add
  onion and saute over medium heat until softened, approximately 8
  minutes. Place coarsely grated squash and carrots in a large bowl.
  Add sauteed onion. Coarsely grate potatoes and place in large
  strainer to squeeze out excess liquid. Add to bowl of vegetables.
  Add egg white and whole egg; mix. Add all other ingredients except
  oil and paprika to bowl. Pour into generously greased 8 x 8- inch
  pan or 7-cup baking dish. Sprinkle the top with oil and paprika
  and bake in preheated oven for 1 hour or until brown.
  
  Recipe by: Rambam's Guide for the Perplexed Pesach Chef
  
MMMMM

YK Jim


... Polio was only slightly worse than peddling insurance.

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