Question:

>>> A beautiful Fila Mastiff.  A big, pretty, family dog that’s also protective >> and strong. > Thats an understatement. > I hope you are fully aware of the breed of dog you have.  I hope you are ready > to start socializing and training and never stop, and I hope you are ready when > your Fila pup starts coming into his temperment.  I hope you are ready to > constantly watch your dog, put it away when people come to visit, and I hope > you are living out in the country somewhere.  I hope you are aware that this > dog should never be offleash (unless you are out in the boonies), that this dog > may be great with children but only his own, has a strong tolerance for pain, > and can be dog aggressive. > I am a former Fila owner, btw. > Posts like this make me cringe.  It also makes me cringe thinking there are > Fila breeders out there who are irresponisble.

I know exactly what you mean.  The post had me in shock.  I hope the guy is only trolling because is he can’t deal with a Rottweiler or a Pit bull he sure as hell has no business owning a Fila. Diane Blackman http://www.dog-play.com/  http://www.dog-play.com/TOTE.html To reach a goal you must set a destination.

Response:

You definitely made a wrong choice. You wanted a dog to protect your family not eat them.

– Hide quoted text — Show quoted text -> I didn’t say anything about breeding a dog to be vicious or mean.  As a > matter of fact I stated I need a family dog but one that’s protective of my > wife and kids when I’m on the road.  You guys are not very much help and you > only think about negative things. > <snip prediction> > I can see the headlines now….. > Robin

Response:

>Posts like this make me cringe.  It also makes me cringe thinking there are >Fila breeders out there who are irresponisble.

I see them regularly in the local paper, for about $300 each. Nic Brando the APBT Buster the Pug of Darkness Coming Soon! Grant the AmStaff http://www.geocities.com/bulldawggirl/grant.htm

Response:

>You definitely made a wrong choice. You wanted a dog to protect your family >not eat them.

In all fairness, Fila’s are extremely loving and gentle with their family. It’s people outside the family you have to worry about.  Very much so. Dogstar716 Come see Gunnars Life: http://hometown.aol.com/dogstar716/index.html

Response:

>> A beautiful Fila Mastiff.  A big, pretty, family dog that’s also protective > and strong.

Thats an understatement. I hope you are fully aware of the breed of dog you have.  I hope you are ready to start socializing and training and never stop, and I hope you are ready when your Fila pup starts coming into his temperment.  I hope you are ready to constantly watch your dog, put it away when people come to visit, and I hope you are living out in the country somewhere.  I hope you are aware that this dog should never be offleash (unless you are out in the boonies), that this dog may be great with children but only his own, has a strong tolerance for pain, and can be dog aggressive. I am a former Fila owner, btw. Posts like this make me cringe.  It also makes me cringe thinking there are Fila breeders out there who are irresponisble. <shudder> Dogstar716 Come see Gunnars Life: http://hometown.aol.com/dogstar716/index.html

Response:

>Thanks for the encouragement.  You guys are no help.

And you sir, are an idiot. You post here less than 48 hours ago wanting a big dog for your backyard. "Roths" were out as were Pit Bulls "because they are vicious".  You then went on to name German "Shepards" as a good possibility, despite the fact that they hold the spot for #1 according to bite statistics. Now, you come back a new expert on Filas (who would relegate a "vicious Pit Bull" to the six week old kitten catagory) and declare that you have found the "perfect" dog for your wife and children. People are posting as they are 1) Because it’s pretty evident that you are uneducable on the subject and 2) Because you are a cliche.  Typical insecure man trying to enhance his testosterone level through dog ownership. If you did any research at all, you would probably find that a Lab, perhaps a black one, would be your best bet.  Something large and intimidating that could be trusted not to eat your children if his dinner is late. Instead of worrying about "big and bad", perhaps you could try "suitable for your circumstances" in a dog that you are able to handle as a first time dog owner. Robin

Response:

>You guys are not very much help and you >only think about negative things.

O.K. I’ll make a few positive statements :) I am positive that you don’t know enough about dogs to own this breed.  I am positive that you haven’t done enough research.   I am positive that this isn’t a suitable breed for your situation.  I am positive that this match is an accident looking for a place to happen. I am positive that when that "accident" does happen, all blame will be placed on the dog and not the fool that owns it. Robin

Response:

By the way, have you discussed your new addition with your home insurance carrier? — Lori in Peoria – Happy Hound Bakery at Happy Hound Hollow ~ Ask me about hound-sitting while you vacation! ~ Family stuff:  http://www.geocities.com/reynoldsfamily_2000/ Happy Hound Hollow Sighthound Rescue: http://www.geocities.com/happyhoundhollow

– Hide quoted text — Show quoted text -> No, we don’t only think the negative, we KNOW the reality of what happens > when people don’t thoroughly research a breed before jumping in feet first, > especially with such a difficult and potentially dangerous breed. You’ve > obviously not given it much thought, since this was not one of the breeds > you initially inquired about just two days ago.  You could not possibly have > had time to research reputable breeders, go visit several, and make an > informed decision.  Hopefully you have a kind neighbor that can scrape your > wife and kids up off the ground when you’re on the road and the dog decides > he’s the boss. > — > Lori in Peoria – Happy Hound Bakery at Happy Hound Hollow > ~ Ask me about hound-sitting while you vacation! ~ > Family stuff:  http://www.geocities.com/reynoldsfamily_2000/ > Happy Hound Hollow Sighthound Rescue: > http://www.geocities.com/happyhoundhollow > I didn’t say anything about breeding a dog to be vicious or mean.  As a > matter of fact I stated I need a family dog but one that’s protective of > my > wife and kids when I’m on the road.  You guys are not very much help and > you > only think about negative things. > > <snip prediction> > > I can see the headlines now….. > > Robin

Response:

No, we don’t only think the negative, we KNOW the reality of what happens when people don’t thoroughly research a breed before jumping in feet first, especially with such a difficult and potentially dangerous breed. You’ve obviously not given it much thought, since this was not one of the breeds you initially inquired about just two days ago.  You could not possibly have had time to research reputable breeders, go visit several, and make an informed decision.  Hopefully you have a kind neighbor that can scrape your wife and kids up off the ground when you’re on the road and the dog decides he’s the boss. — Lori in Peoria – Happy Hound Bakery at Happy Hound Hollow ~ Ask me about hound-sitting while you vacation! ~ Family stuff:  http://www.geocities.com/reynoldsfamily_2000/ Happy Hound Hollow Sighthound Rescue: http://www.geocities.com/happyhoundhollow

– Hide quoted text — Show quoted text -> I didn’t say anything about breeding a dog to be vicious or mean.  As a > matter of fact I stated I need a family dog but one that’s protective of my > wife and kids when I’m on the road.  You guys are not very much help and you > only think about negative things. > <snip prediction> > I can see the headlines now….. > Robin

Response:

Ray, this is not meant as a personal attack on you.  I wouldn’t call myself a Fila expert, but based on all the research I’ve done, this doesn’t sound like a dog for a novice.  Any dog that is large, unfriendly to strangers, highly protective of all that it perceives as its own, and apt to bite with very little provocation needs to be handled extremely carefully – preferably by someone who has prior experience with breeds that have similar tendencies. Do make sure that you get your dog from a responsible and knowledgeable breeder and do lots and lots of training and socialization with your pup to make sure that it becomes an acceptable member of the community. Good luck. Suja

Response:

<snip prediction> I can see the headlines now….. Robin

Response:

Thanks for the encouragement.  You guys are no help.

– Hide quoted text — Show quoted text – > <snip prediction> > I can see the headlines now….. > Robin

Response:

I didn’t say anything about breeding a dog to be vicious or mean.  As a matter of fact I stated I need a family dog but one that’s protective of my wife and kids when I’m on the road.  You guys are not very much help and you only think about negative things.

– Hide quoted text — Show quoted text – > <snip prediction> > I can see the headlines now….. > Robin

Response:

Question:

Check out gomez.com for a listing of ratings of on-line mortgages… http://www.gomez.com/scorecards/index.asp?topcat_id=39&subSect=finance Good luck! -Paul – Hide quoted text — Show quoted text – >Hello, >After many years of delays, and much searching, I have finally found >my dream home that I want to buy. My hub and I have made an offer >and are now searching for a loan. The house is 350K, but we have 75K >to put down, so we will be buing a "conforming mortgage" of 275K. >Has anyone out there had good luck using an online mortgage broker? >If so, which one did you like best? >I took a look at MortgageExpo.com and HomeLoan.com and quickly filled >out there loan forms, but can’t say I was really impressed. I have also >met with a mortgage broker, but again, he seemed just okay, not great. >I really would appreciate any help. This is a first time experience and >more than anything else, I just want to buy the house and be done with it. >Many thanks, >Diane

Response:

> if I’m not mistaken you have to be a service member or dependent to get > insurance from USAA. > Walt

Or the (grown non-dependent) child of a military person, though the rate is not quite as good. My friend and I had almost identical new cars, but she got the better rate being married to an ex-Navy officer whereas my "membership" is through my Dad – also ex-Navy officer. Sterling change aol to mindspring in reply

Response:

>if I’m not mistaken you have to be a service member or dependent to get >insurance from USAA.

Car and home insurance, yes.  The Bank is a seperate operation: I know you can get credit cards from them no matter what your military status. (My very non-military roommate in grad school held their card) I believe that the mortgage services are the same: they’re actually a front for PHH Mortgage Services. I could be wrong here, but it’s worth checking.  I love USAA in all its facets: we’ve had nothing but outstanding service from them on mortgage, credit card, and home and auto insurance. — Eric Remy.  Chemistry Learning Center Director, Virginia Tech "I don’t like (quantum mechanics),   | How many errors can and I’m sorry I ever had anything    | you find in my X-Face? to do with it."- Erwin Schrodinger   |

Response:

>>if I’m not mistaken you have to be a service member or dependent to get >insurance from USAA. >Car and home insurance, yes.  The Bank is a seperate operation: I know >you can get credit cards from them no matter what your military status. >(My very non-military roommate in grad school held their card) I believe >that the mortgage services are the same: they’re actually a front for >PHH Mortgage Services. >I could be wrong here, but it’s worth checking.  I love USAA in all its >facets: we’ve had nothing but outstanding service from them on mortgage, >credit card, and home and auto insurance.

Hi again, My husband’s father served in WWII, but he is now dead. Can we still get a USAA loan? Anything special we need to do regarding documentation? Also, do they have a website? Or how do I apply? Thanks, Diane

Response:

>My husband’s father served in WWII, but he is now dead. Can we still >get a USAA loan? Anything special we need to do regarding documentation?

The insurance end is military and dependants only, so you’re SOL there.   I’m not at all sure about the bank end: I suspect it’s not. (The insurance end is actually a co-op.  We get payments back from them if they’ve earned too much in the past year.  The bank doesn’t do that.) >Also, do they have a website? Or how do I apply?

Call 1-800-449-8722 and ask.  http://www.usaa.com isn’t the most helpful site. — Eric Remy.  Chemistry Learning Center Director, Virginia Tech "I don’t like (quantum mechanics),   | How many errors can and I’m sorry I ever had anything    | you find in my X-Face? to do with it."- Erwin Schrodinger   |

Response:

>Has anyone out there had good luck using an online mortgage broker?

What is the hoped-for advantage of an on-line broker? I buy and sell fairly routinely, and I just get mine locally.  What would be better on-line? -v.

Response:

– Hide quoted text — Show quoted text ->Hello, >After many years of delays, and much searching, I have finally found >my dream home that I want to buy. My hub and I have made an offer >and are now searching for a loan. The house is 350K, but we have 75K >to put down, so we will be buing a "conforming mortgage" of 275K. >Has anyone out there had good luck using an online mortgage broker? >If so, which one did you like best? > Our first mortgage was with USAA.  While not technically online, their > service was outstanding+rates were decent.  Highly recommended. > I recently went through an online site and got a broker for a new > mortgage since we’re moving.  (The timing was tight and USAA couldn’t do > it.)  Right now it’s two days before closing and they appear to be > backing out of their committment despite giving me an approval two weeks > ago.  I won’t mention the broker+site in case everything works out, but > beware.

minimally, you should get your application fee back. – Hide quoted text — Show quoted text -> (If it doesn’t work out full names+details will follow here.) > — > Eric Remy.  Chemistry Learning Center Director, Virginia Tech > "I don’t like (quantum mechanics),   | How many errors can > and I’m sorry I ever had anything    | you find in my X-Face? > to do with it."- Erwin Schrodinger   |

Response:

>> I recently went through an online site and got a broker for a new > mortgage since we’re moving.  (The timing was tight and USAA couldn’t do > it.)  Right now it’s two days before closing and they appear to be > backing out of their committment despite giving me an approval two weeks > ago.  I won’t mention the broker+site in case everything works out, but > beware. >minimally, you should get your application fee back.

Oh, we would have gotten a whole lot more than that.  We would have lost a $3k deposit on the home + the selling realtor’s fees (3% of value) plus the builder could have charged us for the changes we asked to be made. A discussion with some of the folks there after talking to a lawyer let them know that we’d be paying this now, and they’d be paying a lot more later.  (Along with the formal complaint to the state licensing board, of course.)  Shortly after these conversations (and one between them and my realtor who informed them she’d be testifying against them) they became much more tractable. In a nutshell, they acted as if they were under CA law, where they’re headquartered.  They weren’t: we live in VA.  Add to that the fact that they basically asked us to commit loan fraud to get the loan.[1]  Not good.  Legal threats seemed the only recourse.  Luckily they understood them: we really like the house and would have hated to lose it. [1] They demanded that we sign a document stating that we’d be renting our current home during the two months when we’d own both.  Given that we had already informed them we’d be living in our current house and that all our mail from them was going there in that time, both sides of the deal knew this document would be false.  "Oh, we won’t check".   Forget it, moron.  We sign that and you’ve got us by the gonads. — Eric Remy.  Chemistry Learning Center Director, Virginia Tech "I don’t like (quantum mechanics),   | How many errors can and I’m sorry I ever had anything    | you find in my X-Face? to do with it."- Erwin Schrodinger   |

Response:

if I’m not mistaken you have to be a service member or dependent to get insurance from USAA. Walt

– Hide quoted text — Show quoted text ->Hello, >After many years of delays, and much searching, I have finally found >my dream home that I want to buy. My hub and I have made an offer >and are now searching for a loan. The house is 350K, but we have 75K >to put down, so we will be buing a "conforming mortgage" of 275K. >Has anyone out there had good luck using an online mortgage broker? >If so, which one did you like best? > Our first mortgage was with USAA.  While not technically online, their > service was outstanding+rates were decent.  Highly recommended. > I recently went through an online site and got a broker for a new > mortgage since we’re moving.  (The timing was tight and USAA couldn’t do > it.)  Right now it’s two days before closing and they appear to be > backing out of their committment despite giving me an approval two weeks > ago.  I won’t mention the broker+site in case everything works out, but > beware. > (If it doesn’t work out full names+details will follow here.) > — > Eric Remy.  Chemistry Learning Center Director, Virginia Tech > "I don’t like (quantum mechanics),   | How many errors can > and I’m sorry I ever had anything    | you find in my X-Face? > to do with it."- Erwin Schrodinger   |

Response:

Hello, After many years of delays, and much searching, I have finally found my dream home that I want to buy. My hub and I have made an offer and are now searching for a loan. The house is 350K, but we have 75K to put down, so we will be buing a "conforming mortgage" of 275K. Has anyone out there had good luck using an online mortgage broker? If so, which one did you like best? I took a look at MortgageExpo.com and HomeLoan.com and quickly filled out there loan forms, but can’t say I was really impressed. I have also met with a mortgage broker, but again, he seemed just okay, not great. I really would appreciate any help. This is a first time experience and more than anything else, I just want to buy the house and be done with it. Many thanks, Diane

Response:

>Hello, >After many years of delays, and much searching, I have finally found >my dream home that I want to buy. My hub and I have made an offer >and are now searching for a loan. The house is 350K, but we have 75K >to put down, so we will be buing a "conforming mortgage" of 275K. >Has anyone out there had good luck using an online mortgage broker? >If so, which one did you like best?

Our first mortgage was with USAA.  While not technically online, their service was outstanding+rates were decent.  Highly recommended. I recently went through an online site and got a broker for a new mortgage since we’re moving.  (The timing was tight and USAA couldn’t do it.)  Right now it’s two days before closing and they appear to be backing out of their committment despite giving me an approval two weeks ago.  I won’t mention the broker+site in case everything works out, but beware. (If it doesn’t work out full names+details will follow here.) — Eric Remy.  Chemistry Learning Center Director, Virginia Tech "I don’t like (quantum mechanics),   | How many errors can and I’m sorry I ever had anything    | you find in my X-Face? to do with it."- Erwin Schrodinger   |

Response:

Question:

My name is Eli Brumbaugh, and my family owns and operates MorningStar Insurance in Houston, Texas we have been serving the state of Texas since 1994 for their homeowners and auto insurance needs. We are an independent agency so we go through many different companies all of which are A+ rated that we work with to get you the best price available. We can offer you: Homeowners Insurance with great rates. Auto Insurance at great rates even with teenage drivers. Life Insurance with great rates. Commercial Insurance with grate rates. We are a member of the (BBB) Better Business Bureau Greater Houston. If you would like a free, fast quote call us at 281-870-1800, or fax us at 281-870-1876 If you live in Houston, Texas and would like to come to the office for a quote come on down to 14125 Memorial Dr. Houston, Texas 77079

Response:

You are correct, though in some larger cities, homes need to be brought up to the most current codes upon each sale. If you have a house that has been in the same family for 100 years, and then is brought onto the market, you have a house that has a LOT of catching up to do. – Hide quoted text — Show quoted text – > Are you sure these are code violations or just a result of code > varying over time? Codes generally apply only to construction and > remodelling, not existing wiring.

Response:

> You are correct, though in some larger cities, homes need to be > brought up to the most current codes upon each sale.

Can you give an example of such a place? I’ve never heard of such a thing. If taken literally, that would require tearing down and rebuilding any house over 100 years or so. Eric Salathe

Response:

You can go down to Home Depot and get one of those how to books on electrical wiring and do the work yourself to save lots of money. – Hide quoted text — Show quoted text – > The electrical service to our 100 year old house comes in at one corner and is > run via conduit to the other corner (55 feet) where the breaker box is. > The electrical wiring in the house was partially upgraded before we bought it > but there are still several code violations. > We have had several electricians come out and bid on upgrading the breaker box > and correcting the code violations. The cost is between $1200-1400. > I was told that if I can get the power company to relocate the service pole to > make a direct line to the breaker, I can save $600 in the 55 feet of extra wire > thru a larger conduit. > I was successful in having the power company relocate the service. > My question is: > Is there any way that the homeowners insurance would assist in the cost of the > upgrade of the electrical wiring in the house? > This is in Texas and the insurance is State Farm. > Thanks

Response:

- Hide quoted text — Show quoted text – >The electrical service to our 100 year old house comes in at one corner and is >run via conduit to the other corner (55 feet) where the breaker box is. >The electrical wiring in the house was partially upgraded before we bought it >but there are still several code violations. >We have had several electricians come out and bid on upgrading the breaker box >and correcting the code violations. The cost is between $1200-1400. >I was told that if I can get the power company to relocate the service pole to >make a direct line to the breaker, I can save $600 in the 55 feet of extra wire >thru a larger conduit. >I was successful in having the power company relocate the service. >My question is: >Is there any way that the homeowners insurance would assist in the cost of the >upgrade of the electrical wiring in the house? >This is in Texas and the insurance is State Farm. >Thanks

Extremely unlikely that the insurance company will pay even a portion of the upgrade. That’s not the purpose of homeowner’s insurance. HOWEVER, it is very likely that once the upgrade is complete, you can persuade them to give you a modest discount on your premiums because the modernized wiring makes the premises safer from fire and hence less of a risk to insure. State Farm does this in Indiana, anyway — don’t know about Texas. Check with your agent. — alphageek/at/milmac/dot/com Stop Partial-birth Abortion NOW! Ted Kennedy’s car has killed more people than my gun.

Response:

> > You are correct, though in some larger cities, homes need to be > brought up to the most current codes upon each sale. > Can you give an example of such a place? I’ve never heard of such a > thing. If taken literally, that would require tearing down and > rebuilding any house over 100 years or so.

St. Louis Park, Minnesota.  It’s the suburb just west of Minneapolis. When I sold Dad’s house after he died I had to have some plumbing, chimney, and electrical work done to bring it up to code.  Note that this wasn’t completely replacing the old wiring, though. — Bill Seurer     Work: seurer AT us.ibm.com      Home: Bill AT seurer.net

Response:

> The electrical service to our 100 year old house comes in at one > corner and is run via conduit to the other corner (55 feet) where > the breaker box is.  The electrical wiring in the house was > partially upgraded before we bought it but there are still several > code violations.

Are you sure these are code violations or just a result of code varying over time? Codes generally apply only to construction and remodelling, not existing wiring. Of couse, there could be real code violations due to ignorance, lazyness, and sloppy workmanship. Some houses get rewired with lampcord. But, a 100-year-old house that has never been remodeled, for example, does not need grounded outlets or a certain number of recepticals per room to be "to code". Lot’s of things were allowed fifty years ago that wouldn’t pass muster now, but no one’s going to make you redo it — although an update may very well be a good idea. If there are just isolated errors, they could be fixed by you or an electrician fairly easily without a total rewire. If a rewire is in fact needed, you can do it yourself (unless your local codes are draconian). You can rewire a whole house (not including panel and service entrance) for a couple hundred bucks and a couple months of weekends working at a moderate pace. Fishing cable is mostly low-skill grunt work once you learn a few tricks. I had the electrician show me what to do when he did a new service entrance and panel. We had knob and tube that was totally acceptable from a safety/code point of view, but we had only a half dozen outlets in the whole house and no switches. Rewiring was just the easiest fix as opposed to extending the knob and tube. That said, some companies will not insure a house with older wiring, such as knob and tube, and your house may not satisfy your insurance company’s requirements if they knew the details. I’m not sure what that would mean in case of a claim; you should probably be asking them that. Safeco will carry houses with old wiring, and is probably one of the best choices for insuring an older house. They will respect all the original details, plaster walls, etc if a rebuild is needed (or so they say and I hope never to verify that). Eric Salathe

Response:

>Is there any way that the homeowners insurance would assist in the cost of the >upgrade of the electrical wiring in the house?

Only after the house burns down and they are paying for the re-build. Don’t let someone convince you to confuse a remodelling project with repair of a sudden break, and get you to think your project *should* be paid for by insurance, just because they got their broken pipe paid for.   good luck, -v.

Response:

No, they won’t pay you for the upgrade- why would they? You didn’t suffer any loss. At best, if you replace all the wiring with modern, they may lower your rates. The other poster who talked about a claim for replacing plumbing in a slab- that would have to have been for an unexpected failure, not a simple upgrade. If he somehow conned them into paying for an upgrade, he committed fraud, IMHO. aem sends…

– Hide quoted text — Show quoted text -> The electrical service to our 100 year old house comes in at one corner and is > run via conduit to the other corner (55 feet) where the breaker box is. > The electrical wiring in the house was partially upgraded before we bought it > but there are still several code violations. > We have had several electricians come out and bid on upgrading the breaker box > and correcting the code violations. The cost is between $1200-1400. > I was told that if I can get the power company to relocate the service pole to > make a direct line to the breaker, I can save $600 in the 55 feet of extra wire > thru a larger conduit. > I was successful in having the power company relocate the service. > My question is: > Is there any way that the homeowners insurance would assist in the cost of the > upgrade of the electrical wiring in the house? > This is in Texas and the insurance is State Farm. > Thanks

Response:

Probably not.  Homeowners insurance covers damage, not maintenance. — John – Hide quoted text — Show quoted text – >The electrical service to our 100 year old house comes in at one corner and is >run via conduit to the other corner (55 feet) where the breaker box is. >The electrical wiring in the house was partially upgraded before we bought it >but there are still several code violations. >We have had several electricians come out and bid on upgrading the breaker box >and correcting the code violations. The cost is between $1200-1400. >I was told that if I can get the power company to relocate the service pole to >make a direct line to the breaker, I can save $600 in the 55 feet of extra wire >thru a larger conduit. >I was successful in having the power company relocate the service. >My question is: >Is there any way that the homeowners insurance would assist in the cost of the >upgrade of the electrical wiring in the house? >This is in Texas and the insurance is State Farm. >Thanks

Response:

And they will probably threaten to drop your coverage until the code violations are corrected. Just my $.02

– Hide quoted text — Show quoted text ->Probably not.  Homeowners insurance covers damage, not maintenance. >– >John >The electrical service to our 100 year old house comes in at one corner and >is >run via conduit to the other corner (55 feet) where the breaker box is. >The electrical wiring in the house was partially upgraded before we bought >it >but there are still several code violations. >We have had several electricians come out and bid on upgrading the breaker >box >and correcting the code violations. The cost is between $1200-1400. >I was told that if I can get the power company to relocate the service pole >to >make a direct line to the breaker, I can save $600 in the 55 feet of extra >wire >thru a larger conduit. >I was successful in having the power company relocate the service. >My question is: >Is there any way that the homeowners insurance would assist in the cost of >the >upgrade of the electrical wiring in the house? >This is in Texas and the insurance is State Farm. >Thanks

Response:

The electrical service to our 100 year old house comes in at one corner and is run via conduit to the other corner (55 feet) where the breaker box is. The electrical wiring in the house was partially upgraded before we bought it but there are still several code violations. We have had several electricians come out and bid on upgrading the breaker box and correcting the code violations. The cost is between $1200-1400. I was told that if I can get the power company to relocate the service pole to make a direct line to the breaker, I can save $600 in the 55 feet of extra wire thru a larger conduit. I was successful in having the power company relocate the service. My question is: Is there any way that the homeowners insurance would assist in the cost of the upgrade of the electrical wiring in the house? This is in Texas and the insurance is State Farm. Thanks

Response:

- Hide quoted text — Show quoted text – > The electrical service to our 100 year old house comes in at one corner and is > run via conduit to the other corner (55 feet) where the breaker box is. > The electrical wiring in the house was partially upgraded before we bought it > but there are still several code violations. > We have had several electricians come out and bid on upgrading the breaker box > and correcting the code violations. The cost is between $1200-1400. > I was told that if I can get the power company to relocate the service pole to > make a direct line to the breaker, I can save $600 in the 55 feet of extra wire > thru a larger conduit. > I was successful in having the power company relocate the service. > My question is: > Is there any way that the homeowners insurance would assist in the cost of the > upgrade of the electrical wiring in the house? > This is in Texas and the insurance is State Farm. > Thanks

Give you agent a call and they will probably tell you no, they dont, just dont take their word for it at this level, tell them that you wnat to make a claim with the them and they will, it does not mean you will get the claim paid, but they will make it,  I was told that the insurance comp, state farm, does not pay for plumbing repair under a cement slab.  Well I insisted and was called the next day by the claims office from out of town. they told me to contact the local claim office and they will walk me through it, contact a plumber and they paid for it. saved me about $5000.  dont just take the agents or the clerks word for it, they probably dont know what they are talking about.  I got my info from the yellow pages, plumbing ads for underground, underslab drain repairs, they claim to work with your insurance company.  Well i called these companies up and found out what the insurance companies

Response:

Question:

Also check with your home owners association, if there is one.  Some people have run into problems with neighborhood  convenents.   In my City ponds can be up to 28" deep before they have to be fenced or have a permit. I heard to put in wider than normal plant selves (24 -26"), so that it gives someone who falls in time to stand up before they get in deeper water. Hope all goes well.

Response:

I would suggest a bit of homework. First, check with the municipality that your new yard is in.  Do they have any rules concerning water features, fish ponds or garden ponds?  Many municipalities do have rules regarding swimming pools but as far as I know very few have any rules concerning garden ponds. Obviously if there are bylaws or ordinances concerning ponds you would first have to comply with them. Secondly I would suggest that your talk to your home insurance agent or right to the insurance company.  What does your home insurance policy say about liability arising from garden ponds?  Again, most home insurance may limit coverage for liability arising from a swimming pool but perhaps not from a garden pond. Lastly you may wish to discuss your concerns with a lawyer who is familiar with the law in your jurisdiction.  Many provincial and state bar societies and law associations have a way for the public to ask questions of lawyers without having to pay a fee.  If the law in your jurisdiction requires certain things or if the lawyer is aware of recent litigation arising out of pond ownership that may guide you. A pond certainly is a hazard and would very likely be considered to be an attractive nuisance.  How you are required to deal with this may vary depending upon where you live and the local rules. Good luck.

– Hide quoted text — Show quoted text -> I’ve had my 55 gallon pre-formed pond for about 5 years, with varying degrees > of success, pretty much depending on my level of care each year. I have a > six-foot privacy fence around my townhouse garden, and with the plantings and > the sound of the tiny fountain in the summer, it’s like my own private oasis. > It’s been a pleasure, but I have always been envious of those of you who have > bigger ponds, more sun, and technical know-how. > Next year I will have a large yard, lots of sun, and a pretty strange hill > that’s part of a berm to protect a gas line which I believe offers lots of > options for waterfalls etc. There will be a privacy fence along the back of the > yard, but I will have NO PRIVACY FENCE on either side. There, adjoining the two > neighboring yards, I will have split rail with turkey wire from the top rail to > the ground. I’m concerned that as much as I might want a pond, and as wonderful > for this purpose as the yard may be, without a privacy fence on the sides of > the yard I will be opening myself to potential problems if a child climbs the > fence to enter the yard. > Please give thoughts, ideas on this. If I can do it, I’ll have TONS of > questions when I’m actually ready to work on the design and construction of the > pond, but I see this as an issue that must be addressed first. > Thanks, > Peggy Carr

Response:

>There will be a privacy fence along the back of the >yard, but I will have NO PRIVACY FENCE on either side. There, adjoining the two >neighboring yards, I will have split rail with turkey wire from the top rail to >the ground. I’m concerned that as much as I might want a pond, and as wonderful >for this purpose as the yard may be, without a privacy fence on the sides of >the yard I will be opening myself to potential problems if a child climbs the >fence to enter the yard.

State laws, city ordinances apply.   Check with your insurance agent. In my community a fence is required if the pond is over 2 feet deep, same as for swimming pools.   Regards, Hal

Response:

This is a topic that surfaces in most people’s minds when they explore the idea of owning a water garden. It would be naive to assume that the risk of injury or death isn’t there. The construction process of a pond is different then that of a swimming pool. The construction of a pond begins with shelf’s. Unlike a swimming pool that is typically three feet deep in the shallow-end, a pond is only two feet deep in the center. If someone were to step into a pond they would be in ankle-deep water on the pond’s first ledge. Unlike a swimming pool with steep vertical walls, a pond’s elevation changes gradually over a series of shelves.     Obviously, a toddler can drown in only a few inches of water. However, pond or no pond, a TODDLER SHOULD NOT BE LEFT OUTSIDE OR INSIDE     When we have concerned parents we simply excavate the pond to a depth of two feet. Then instead of adding just a few inches of gravel to the bottom, we fill it in with a foot of gravel. Before the winter comes we remove the extra gravel. ( a small effort to make.) By the following season, the concerned parents have an older and more manageable child.     While my toddler was growing up (a.k.a. the NUKSTER) it became necessary for me to construct a 3 1/2 foot  fence around my pond (another small effort for the  added protection and peace of mind) figuring I would  simply remove the fence when my son became a little more manageable child. With another child expected this summer the fence will stay up longer than I thought.     What keeps my 2 year old away from the pond now? I have to thank Walt Disney for that. My son has watched Disney’s new video Tarzan at least a hundred times which has given him a natural fear of  Alligators! Now I have led him to believe that in the pond with his friends the Koi and the bullfrogs lays a Alligator that’s waiting to bite his little butt.     What’s the moral of this story? Take the extra time and precautions to child proof your pond. This is a topic that surfaces in most people’s minds when they explore the idea of owning a water garden. It would be naive to assume that the risk of injury or death isn’t there. The construction process of a pond is different then that of a swimming pool. The construction of a pond begins with shelf’s. Unlike a swimming pool that is typically three feet deep in the shallow-end, a pond is only two feet deep in the center. If someone were to step into a pond they would be in ankle-deep water on the pond’s first ledge. Unlike a swimming pool with steep vertical walls, a pond’s elevation changes gradually over a series of shelves.     Obviously, a toddler can drown in only a few inches of water. However, pond or no pond, a TODDLER SHOULD NOT BE LEFT OUTSIDE OR INSIDE     When we have concerned parents we simply excavate the pond to a depth of two feet. Then instead of adding just a few inches of gravel to the bottom, we fill it in with a foot of gravel. Before the winter comes we remove the extra gravel. ( a small effort to make.) By the following season, the concerned parents have an older and more manageable child.     While my toddler was growing up (a.k.a. the NUKSTER) it became necessary for me to construct a 3 1/2 foot  fence around my pond (another small effort for the  added protection and peace of mind) figuring I would  simply remove the fence when my son became a little more manageable child. With another child expected this summer the fence will stay up longer than I thought.     What keeps my 2 year old away from the pond now? I have to thank Walt Disney for that. My son has watched Disney’s new video Tarzan at least a hundred times which has given him a natural fear of  Alligators! Now I have led him to believe that in the pond with his friends the Koi and the bullfrogs lays a Alligator that’s waiting to bite his little butt.     What’s the moral of this story? Take the extra time and precautions to child proof your pond. Happy Ponding http://www.pondguys.com The Aquascape Design Ecosystem Complete Pro Pond Kits "HELPING TO CHANGE THE WAY THE WORLD BUILDS PONDS. – Hide quoted text — Show quoted text – > I’ve had my 55 gallon pre-formed pond for about 5 years, with varying degrees > of success, pretty much depending on my level of care each year. I have a > six-foot privacy fence around my townhouse garden, and with the plantings and > the sound of the tiny fountain in the summer, it’s like my own private oasis. > It’s been a pleasure, but I have always been envious of those of you who have > bigger ponds, more sun, and technical know-how. > Next year I will have a large yard, lots of sun, and a pretty strange hill > that’s part of a berm to protect a gas line which I believe offers lots of > options for waterfalls etc. There will be a privacy fence along the back of the > yard, but I will have NO PRIVACY FENCE on either side. There, adjoining the two > neighboring yards, I will have split rail with turkey wire from the top rail to > the ground. I’m concerned that as much as I might want a pond, and as wonderful > for this purpose as the yard may be, without a privacy fence on the sides of > the yard I will be opening myself to potential problems if a child climbs the > fence to enter the yard. > Please give thoughts, ideas on this. If I can do it, I’ll have TONS of > questions when I’m actually ready to work on the design and construction of the > pond, but I see this as an issue that must be addressed first. > Thanks, > Peggy Carr

Response:

I’ve had my 55 gallon pre-formed pond for about 5 years, with varying degrees of success, pretty much depending on my level of care each year. I have a six-foot privacy fence around my townhouse garden, and with the plantings and the sound of the tiny fountain in the summer, it’s like my own private oasis. It’s been a pleasure, but I have always been envious of those of you who have bigger ponds, more sun, and technical know-how. Next year I will have a large yard, lots of sun, and a pretty strange hill that’s part of a berm to protect a gas line which I believe offers lots of options for waterfalls etc. There will be a privacy fence along the back of the yard, but I will have NO PRIVACY FENCE on either side. There, adjoining the two neighboring yards, I will have split rail with turkey wire from the top rail to the ground. I’m concerned that as much as I might want a pond, and as wonderful for this purpose as the yard may be, without a privacy fence on the sides of the yard I will be opening myself to potential problems if a child climbs the fence to enter the yard. Please give thoughts, ideas on this. If I can do it, I’ll have TONS of questions when I’m actually ready to work on the design and construction of the pond, but I see this as an issue that must be addressed first. Thanks, Peggy Carr

Response:

Also check with your home owners association, if there is one.  Some people have run into problems with neighborhood  convenents.   In my City ponds can be up to 28" deep before they have to be fenced or have a permit. I heard to put in wider than normal plant selves (24 -26"), so that it gives someone who falls in time to stand up before they get in deeper water. Hope all goes well.

Response:

I would suggest a bit of homework. First, check with the municipality that your new yard is in.  Do they have any rules concerning water features, fish ponds or garden ponds?  Many municipalities do have rules regarding swimming pools but as far as I know very few have any rules concerning garden ponds. Obviously if there are bylaws or ordinances concerning ponds you would first have to comply with them. Secondly I would suggest that your talk to your home insurance agent or right to the insurance company.  What does your home insurance policy say about liability arising from garden ponds?  Again, most home insurance may limit coverage for liability arising from a swimming pool but perhaps not from a garden pond. Lastly you may wish to discuss your concerns with a lawyer who is familiar with the law in your jurisdiction.  Many provincial and state bar societies and law associations have a way for the public to ask questions of lawyers without having to pay a fee.  If the law in your jurisdiction requires certain things or if the lawyer is aware of recent litigation arising out of pond ownership that may guide you. A pond certainly is a hazard and would very likely be considered to be an attractive nuisance.  How you are required to deal with this may vary depending upon where you live and the local rules. Good luck.

– Hide quoted text — Show quoted text -> I’ve had my 55 gallon pre-formed pond for about 5 years, with varying degrees > of success, pretty much depending on my level of care each year. I have a > six-foot privacy fence around my townhouse garden, and with the plantings and > the sound of the tiny fountain in the summer, it’s like my own private oasis. > It’s been a pleasure, but I have always been envious of those of you who have > bigger ponds, more sun, and technical know-how. > Next year I will have a large yard, lots of sun, and a pretty strange hill > that’s part of a berm to protect a gas line which I believe offers lots of > options for waterfalls etc. There will be a privacy fence along the back of the > yard, but I will have NO PRIVACY FENCE on either side. There, adjoining the two > neighboring yards, I will have split rail with turkey wire from the top rail to > the ground. I’m concerned that as much as I might want a pond, and as wonderful > for this purpose as the yard may be, without a privacy fence on the sides of > the yard I will be opening myself to potential problems if a child climbs the > fence to enter the yard. > Please give thoughts, ideas on this. If I can do it, I’ll have TONS of > questions when I’m actually ready to work on the design and construction of the > pond, but I see this as an issue that must be addressed first. > Thanks, > Peggy Carr

Response:

>There will be a privacy fence along the back of the >yard, but I will have NO PRIVACY FENCE on either side. There, adjoining the two >neighboring yards, I will have split rail with turkey wire from the top rail to >the ground. I’m concerned that as much as I might want a pond, and as wonderful >for this purpose as the yard may be, without a privacy fence on the sides of >the yard I will be opening myself to potential problems if a child climbs the >fence to enter the yard.

State laws, city ordinances apply.   Check with your insurance agent. In my community a fence is required if the pond is over 2 feet deep, same as for swimming pools.   Regards, Hal

Response:

This is a topic that surfaces in most people’s minds when they explore the idea of owning a water garden. It would be naive to assume that the risk of injury or death isn’t there. The construction process of a pond is different then that of a swimming pool. The construction of a pond begins with shelf’s. Unlike a swimming pool that is typically three feet deep in the shallow-end, a pond is only two feet deep in the center. If someone were to step into a pond they would be in ankle-deep water on the pond’s first ledge. Unlike a swimming pool with steep vertical walls, a pond’s elevation changes gradually over a series of shelves.     Obviously, a toddler can drown in only a few inches of water. However, pond or no pond, a TODDLER SHOULD NOT BE LEFT OUTSIDE OR INSIDE     When we have concerned parents we simply excavate the pond to a depth of two feet. Then instead of adding just a few inches of gravel to the bottom, we fill it in with a foot of gravel. Before the winter comes we remove the extra gravel. ( a small effort to make.) By the following season, the concerned parents have an older and more manageable child.     While my toddler was growing up (a.k.a. the NUKSTER) it became necessary for me to construct a 3 1/2 foot  fence around my pond (another small effort for the  added protection and peace of mind) figuring I would  simply remove the fence when my son became a little more manageable child. With another child expected this summer the fence will stay up longer than I thought.     What keeps my 2 year old away from the pond now? I have to thank Walt Disney for that. My son has watched Disney’s new video Tarzan at least a hundred times which has given him a natural fear of  Alligators! Now I have led him to believe that in the pond with his friends the Koi and the bullfrogs lays a Alligator that’s waiting to bite his little butt.     What’s the moral of this story? Take the extra time and precautions to child proof your pond. This is a topic that surfaces in most people’s minds when they explore the idea of owning a water garden. It would be naive to assume that the risk of injury or death isn’t there. The construction process of a pond is different then that of a swimming pool. The construction of a pond begins with shelf’s. Unlike a swimming pool that is typically three feet deep in the shallow-end, a pond is only two feet deep in the center. If someone were to step into a pond they would be in ankle-deep water on the pond’s first ledge. Unlike a swimming pool with steep vertical walls, a pond’s elevation changes gradually over a series of shelves.     Obviously, a toddler can drown in only a few inches of water. However, pond or no pond, a TODDLER SHOULD NOT BE LEFT OUTSIDE OR INSIDE     When we have concerned parents we simply excavate the pond to a depth of two feet. Then instead of adding just a few inches of gravel to the bottom, we fill it in with a foot of gravel. Before the winter comes we remove the extra gravel. ( a small effort to make.) By the following season, the concerned parents have an older and more manageable child.     While my toddler was growing up (a.k.a. the NUKSTER) it became necessary for me to construct a 3 1/2 foot  fence around my pond (another small effort for the  added protection and peace of mind) figuring I would  simply remove the fence when my son became a little more manageable child. With another child expected this summer the fence will stay up longer than I thought.     What keeps my 2 year old away from the pond now? I have to thank Walt Disney for that. My son has watched Disney’s new video Tarzan at least a hundred times which has given him a natural fear of  Alligators! Now I have led him to believe that in the pond with his friends the Koi and the bullfrogs lays a Alligator that’s waiting to bite his little butt.     What’s the moral of this story? Take the extra time and precautions to child proof your pond. Happy Ponding http://www.pondguys.com The Aquascape Design Ecosystem Complete Pro Pond Kits "HELPING TO CHANGE THE WAY THE WORLD BUILDS PONDS. – Hide quoted text — Show quoted text – > I’ve had my 55 gallon pre-formed pond for about 5 years, with varying degrees > of success, pretty much depending on my level of care each year. I have a > six-foot privacy fence around my townhouse garden, and with the plantings and > the sound of the tiny fountain in the summer, it’s like my own private oasis. > It’s been a pleasure, but I have always been envious of those of you who have > bigger ponds, more sun, and technical know-how. > Next year I will have a large yard, lots of sun, and a pretty strange hill > that’s part of a berm to protect a gas line which I believe offers lots of > options for waterfalls etc. There will be a privacy fence along the back of the > yard, but I will have NO PRIVACY FENCE on either side. There, adjoining the two > neighboring yards, I will have split rail with turkey wire from the top rail to > the ground. I’m concerned that as much as I might want a pond, and as wonderful > for this purpose as the yard may be, without a privacy fence on the sides of > the yard I will be opening myself to potential problems if a child climbs the > fence to enter the yard. > Please give thoughts, ideas on this. If I can do it, I’ll have TONS of > questions when I’m actually ready to work on the design and construction of the > pond, but I see this as an issue that must be addressed first. > Thanks, > Peggy Carr

Response:

I’ve had my 55 gallon pre-formed pond for about 5 years, with varying degrees of success, pretty much depending on my level of care each year. I have a six-foot privacy fence around my townhouse garden, and with the plantings and the sound of the tiny fountain in the summer, it’s like my own private oasis. It’s been a pleasure, but I have always been envious of those of you who have bigger ponds, more sun, and technical know-how. Next year I will have a large yard, lots of sun, and a pretty strange hill that’s part of a berm to protect a gas line which I believe offers lots of options for waterfalls etc. There will be a privacy fence along the back of the yard, but I will have NO PRIVACY FENCE on either side. There, adjoining the two neighboring yards, I will have split rail with turkey wire from the top rail to the ground. I’m concerned that as much as I might want a pond, and as wonderful for this purpose as the yard may be, without a privacy fence on the sides of the yard I will be opening myself to potential problems if a child climbs the fence to enter the yard. Please give thoughts, ideas on this. If I can do it, I’ll have TONS of questions when I’m actually ready to work on the design and construction of the pond, but I see this as an issue that must be addressed first. Thanks, Peggy Carr

Response:

Question:

Also schrieb MDS: >We’re in the process of buying our first house! >We’ve had the home inspection, and everything >was great, for the most part.  There are a few >things we need to fix (and the sellers are giving >us money, rather than doing it ourselves).  One >of those things is a chimney cleaning, with some >mortar repair.  Are there any criteria I should look >for when getting a chimney sweep?  What >about a roofer? (There is some roof repair work >to be done, as well as some repairs on the copper >gutters and spouts.)

Ask the future neighbors.  Whenever I got good service I was effusive in chatting them up to anybody who needed help.   The same goes for bad service — if someone is looking for a driveway, I can tell them which paving company in our area to stay away from.  :-{) — Catch the cluetrain.  http://www.cluetrain.com ALL programs are poems, it’s just that not all programmers are poets.     — Jonathan Guthrie in the scary.devil.monastery

Response:

>Also…and here’s a biggie…We need to get >house insurance.  There are just so many agencies >to choose from.  Does anyone have any experiences, positive or negative, >they wouldn’t >mind sharing with me? >Thank you so much for your help.

I’d call a reputable local broker and have them shop around for you. As another reply said if you put both your auto and home insurance with the same company you usually get a 5% or so discount.  I’m currently with The Travelers Ins. Co.   rates are good and they are AAA rated.  Don’t go with any company that doesn’t have the highest rating available.   About 2 years ago my broker switched me from my old company (don’t remember which one) to The Travelers and saved me about $200 per year for the same coverage. Trip

Response:

There’s a great website for first-time home buyers at www.realhome.com. They have an online tutorial about the homebuying process. * Sent from AltaVista http://www.altavista.com Where you can also find related Web Pages, Images, Audios, Videos, News, and Shopping.  Smart is Beautiful

Response:

If you have a good car insurance agent whom you trust, stick with them unless they sell low-rated companies.

Response:

>Also…and here’s a biggie…We need to get >house insurance.  There are just so many agencies >to choose from.  Does anyone have any experiences, positive or negative, >they wouldn’t >mind sharing with me?

We have had a dreadful, dreadful time with American Home Shield.  My motherer-in-law, who lives in a different state, is also very dissatisfied with them. — "It sees to us odd to churn one’s needs in that way.  Buy everything, churn it around, increase the price, then sell it back to people who made it."   _Six Moon Dance_, Sheri S. Tepper

Response:

>>Also…and here’s a biggie…We need to get >house insurance.  There are just so many agencies >We have had a dreadful, dreadful time with American Home Shield.  My

oops, sorry, thought you were talking about home warrenties. It was probably just my rage at AHS looking for any opportunity to vent itself. ;-) — "It sees to us odd to churn one’s needs in that way.  Buy everything, churn it around, increase the price, then sell it back to people who made it."   _Six Moon Dance_, Sheri S. Tepper

Response:

We’re in the process of buying our first house! We’ve had the home inspection, and everything was great, for the most part.  There are a few things we need to fix (and the sellers are giving us money, rather than doing it ourselves).  One of those things is a chimney cleaning, with some mortar repair.  Are there any criteria I should look for when getting a chimney sweep?  What about a roofer? (There is some roof repair work to be done, as well as some repairs on the copper gutters and spouts.) Also…and here’s a biggie…We need to get house insurance.  There are just so many agencies to choose from.  Does anyone have any experiences, positive or negative, they wouldn’t mind sharing with me? Thank you so much for your help.

Response:

As far as homeowners insurance, I suggest starting out by getting a price quote from your auto insurance company.  Most (but not all) insurance companies offer both auto/home insurance.  If you purchase property insurance from the same company as your auto insurance, you usually end up getting  a discount on both of theme.  Having both types of policies with the same company will also allow you to purchase an ‘umbrella policy’ (bigger $ value liability insurance — we have $1million).

– Hide quoted text — Show quoted text -> We’re in the process of buying our first house! > We’ve had the home inspection, and everything > was great, for the most part.  There are a few > things we need to fix (and the sellers are giving > us money, rather than doing it ourselves).  One > of those things is a chimney cleaning, with some > mortar repair.  Are there any criteria I should look > for when getting a chimney sweep?  What > about a roofer? (There is some roof repair work > to be done, as well as some repairs on the copper > gutters and spouts.) > Also…and here’s a biggie…We need to get > house insurance.  There are just so many agencies > to choose from.  Does anyone have any experiences, positive or negative, > they wouldn’t > mind sharing with me? > Thank you so much for your help.

Response:

Question:

>> I’m looking for a company with the best reputation for paying out >claims.  I heard State farm was having problems with paying claims.  I >never heard of Erie but they seem to be a good value.  Any comment would >be greatly appreciated.  I currently have state farm ins for auto and >though about going with it to say on the multi item discount.

        State Farm is *terrific*.  I had a very bad accident 1.5 years ago, and the body shop (aside from the fact that they missed the cracked radiator the first time around) and adjustor were great to deal with. Nancy

Response:

>>> I’m looking for a company with the best reputation for paying out >claims.  I heard State farm was having problems with paying claims.  I >never heard of Erie but they seem to be a good value.  Any comment would >be greatly appreciated.  I currently have state farm ins for auto and >though about going with it to say on the multi item discount. >    State Farm is *terrific*.  I had a very bad accident 1.5 years >ago, and the body shop (aside from the fact that they missed the cracked >radiator the first time around) and adjustor were great to deal with.

They damn well better be for the prices they charge. Farmer’s, State Farm, and Allstate are the three most expensive insurance companies I’ve discovered in comparison shopping. I personally recommend 21st Century if it’s available in your state. Dimitri

Response:

>They damn well better be for the prices they charge. Farmer’s, State >Farm, and Allstate are the three most expensive insurance companies >I’ve discovered in comparison shopping. I personally recommend 21st >Century if it’s available in your state.

I’d recommend that everyone check the prices for themselves. Insurance prices from the same company can vary from county to county. — Always remember: <http://mysite.directlink.net/matthews/smiles/started.htm>

Response:

>I think your family needs to stick to telecommuting. :-)

Hey everybody! It’s my State Farm agent! — Always remember: <http://mysite.directlink.net/matthews/smiles/started.htm>

Response:

We have always used State Farm for car and home insurance along with both mine and my husband’s family.  My mom has had her carpet replaced once for an AC leak and once for a clothes washer leak.  She is getting her car windshield replaced at this very moment for free due to a large crack (didn’t even have to use her deductible if I remember right).  We had someone back up into our truck and damage the side panel.  The person who hit it had State Farm, too, and the company immediately referred us to several body shops that they use.  The shop we picked did an excellent job.  You can’t tell at all that it had been damaged. Thus, no problem on our side with State Farm. > Which of these would you go with or stay away from for homeowner insurance. > Nationwide > State Farm > All State > Erie. > I’m looking for a company with the best reputation for paying out

claims.  I heard State farm was having problems with paying claims.  I never heard of Erie but they seem to be a good value.  Any comment would be greatly appreciated.  I currently have state farm ins for auto and though about going with it to say on the multi item discount. > If I should look into another company please post it.  Thanks.

Before you buy.

Response:

We are with Nationwide.  Had three claims in about three months, two bustpipes and a patio window.  We were dropped but we visited our insurance agent a got it reinstated with an increase ($250 -> $500) in deductible.  We also have car insurance with Nationwide and threatened to pull that. Doug.

– Hide quoted text — Show quoted text ->i can give you the names of a dozen of my friends who have been dropped >after two claims…and neither claim was "their fault." (state farm, all >state, etc.)  some of these individuals were with their respective >insurance compaines 20+ years. >if they have to cut you a check, you’re a liability.  insurance companies >are businesses, not charities. >>understand that if you file a claim, any of the below listed insurance >>companies will immediately drop you. > This is absolutely false. One wonders at your motives for making such a > statement. > My wife and I have had home and auto insurance with State Farm for sixteen > years now. During that time, we have had three auto claims and two homeowner’s > claims, and have not been dropped. > As far as I’m concerned, State Farm is perfectly fine. We’ve never had *any* > significant trouble getting a claim paid. The only thing even approaching a > problem was an auto accident that was the fault of the other driver — also > insured by State Farm — and they wanted to apply our deductible to the cost > of our repairs. One phone call to the agent straightened everything out: (me) > "Hey, wait a second here. It was the other guy’s fault — it should all get > paid out of his coverage, not mine." (agent) "Oh, you’re right, sorry" and > that was that. Never even a hint of a problem with any of the other claims. >>> Which of these would you go with or stay away from for homeowner insurance. >>> Nationwide >>> State Farm >>> All State >>> Erie. >>> I’m looking for a company with the best reputation for paying out claims.  I >> heard State farm was having problems with paying claims.  I never heard of >> Erie but they seem to be a good value.  Any comment would be greatly >> appreciated.  I currently have state farm ins for auto and though about going >> with it to say on the multi item discount. >>> If I should look into another company please post it.  Thanks. > — > Doug Miller > dlmiller/at/netdirect/dot/net >–

Response:

>this is something all the insurance agents won’t tell you.  you file >two claims, and you’re outta here (unless one of the claims is >really small). are there exceptions?  sure.  but people don’t hate >insurance companies with a passion for no reason at all.

Why don’t you write a book so that more people can benefit from your wonderful insight? I’ve had my home and auto insurance with State Farm for 20 years. I’ve lived in 2 locations (different states), have had 2 State Farm agents, and have never met either of them face-to-face (always dealt with office staff). I’m also not related to anyone in the insurance industry. Thinking back, I can remember 2 claims against my homeowners coverage: 1) removal of a 80 foot tree that was killed by lightning, and 2) replacing a central air unit that was killed by lightning (a couple of years apart). In the auto department: 3) We had a vehicle stolen; 4) my wife turned too sharply in a parking garage and raked a rear quarter panel along a concrete pole; 5) in the same garage a couple of years later someone pulled through a cross-over and hit the side of my wife’s car as she was exiting; 6) I stopped a red light and the car behind me didn’t; 7) my teenaged son pulled out into oncoming traffic; 8) teenaged son took a corner too fast on wet streets and slid into concrete drainage structure; 9) a car ran a red light and hit the right rear of my wife’s car as she drove through the intersection; 10) on the way home from work in stop and go traffic my wife took a nap during the "go" part and missed the "stop" part; 11) an over-hanging eight-inch diameter limb was snapped off by a mis-routed 18-wheeler, and the limb fell on my car as I was driving in the opposite direction; 12-17) we’ve probably replaced 5 or 6 windshields and 18-23) probably used our towing coverage 5 or 6 times. We also got a rental car every time our car was in the shop. One last incident: 24) My son (who was 19 at the time) was sitting in his parked car when he was hit with a shotgun blast fired at him from less than 20 feet away. He was able to make a fast exit from the parking lot and drove himself to the hospital emergency room. Later that evening they transferred him to Parkland Hospital in Dallas, where he spent the next couple of weeks. He’s 21 now, and doing fine. (Thank God for good medical coverage through work!) A couple of days after the incident I went back to the first hospital to pick up the car. There was no damage to the glass or to the exterior of the car. All of the windows had been down when the shot was fired and the full shot pattern went in the open window. The off-white fabric inside the car was another story. Quite a bit of blood had just spent the last 48 hours or so inside a closed car in the North Texas sun. OK, now I’m back to insurance. I called our State Farm agent to ask about places that might specialize in cleaning up dried blood, and to ask about coverage for the cleanup. He told me where to take it and that sure, it was covered. That evening the agent called the house and spoke to my wife. He asked how our son was doing and asked my wife to tell him again how the whole thing happened. When she finished he said "OK, that’s what I thought your husband said. Did you know that the medical portion of your auto insurance will provide coverage?" State Farm provided secondary coverage and paid almost $9,000 that would have been our responsibility as deductables and copays. My son was sitting in a parked car when he was shot. It never crossed my mind that our auto insurance would provide additional medical coverage; our agent called and told us. As best I can figure, I’ve had 24 claims without being cancelled. That pretty much ruins your "two claims, and you’re outta here" logic.   The results might have been different if I had placed the homeowners and the auto coverage with different carriers, or if I had moved the insurance to a new company every time someone offered to save me $50. Or it might have been different if I had called the company to come inspect the roof every time the wind blew hard there in south Louisiana, or if I would have done like several of my neighbors and created roof damage before I called them out. Or if I would have falsely claimed an injury in one of the accidents, and tried to obtain hundreds of thousands of dollars in a settlement. I can’t tell you why they are treating you poorly. All I can say is that they’ve been very good to me. — Always remember: <http://mysite.directlink.net/matthews/smiles/started.htm>

Response:

I think your family needs to stick to telecommuting. :-) —JRE—

[snip] – Hide quoted text — Show quoted text -> In the auto department: 3) We had a vehicle stolen; 4) my wife turned > too sharply in a parking garage and raked a rear quarter panel along a > concrete pole; 5) in the same garage a couple of years later someone > pulled through a cross-over and hit the side of my wife’s car as she > was exiting; 6) I stopped a red light and the car behind me didn’t; 7) > my teenaged son pulled out into oncoming traffic; 8) teenaged son took > a corner too fast on wet streets and slid into concrete drainage > structure; 9) a car ran a red light and hit the right rear of my wife’s > car as she drove through the intersection; 10) on the way home from > work in stop and go traffic my wife took a nap during the "go" part and > missed the "stop" part; 11) an over-hanging eight-inch diameter limb > was snapped off by a mis-routed 18-wheeler, and the limb fell on my car > as I was driving in the opposite direction; 12-17) we’ve probably > replaced 5 or 6 windshields and 18-23) probably used our towing > coverage 5 or 6 times. We also got a rental car every time our car was > in the shop. > One last incident: 24) My son (who was 19 at the time) was sitting in > his parked car when he was hit with a shotgun blast fired at him from > less than 20 feet away. He was able to make a fast exit from the > parking lot and drove himself to the hospital emergency room. Later > that evening they transferred him to Parkland Hospital in Dallas, where > he spent the next couple of weeks. He’s 21 now, and doing fine. (Thank > God for good medical coverage through work!) > A couple of days after the incident I went back to the first hospital > to pick up the car. There was no damage to the glass or to the exterior > of the car. All of the windows had been down when the shot was fired > and the full shot pattern went in the open window. The off-white > fabric inside the car was another story. Quite a bit of blood had just > spent the last 48 hours or so inside a closed car in the North Texas > sun. > OK, now I’m back to insurance. I called our State Farm agent to ask > about places that might specialize in cleaning up dried blood, and to > ask about coverage for the cleanup. He told me where to take it and > that sure, it was covered. That evening the agent called the house and > spoke to my wife. He asked how our son was doing and asked my wife to > tell him again how the whole thing happened. When she finished he said > "OK, that’s what I thought your husband said. Did you know that the > medical portion of your auto insurance will provide coverage?" State > Farm provided secondary coverage and paid almost $9,000 that would have > been our responsibility as deductables and copays. My son was sitting > in a parked car when he was shot. It never crossed my mind that our > auto insurance would provide additional medical coverage; our agent > called and told us. > As best I can figure, I’ve had 24 claims without being cancelled. That > pretty much ruins your "two claims, and you’re outta here" logic. > The results might have been different if I had placed the homeowners > and the auto coverage with different carriers, or if I had moved the > insurance to a new company every time someone offered to save me $50. > Or it might have been different if I had called the company to come > inspect the roof every time the wind blew hard there in south > Louisiana, or if I would have done like several of my neighbors and > created roof damage before I called them out. Or if I would have > falsely claimed an injury in one of the accidents, and tried to obtain > hundreds of thousands of dollars in a settlement. > I can’t tell you why they are treating you poorly. All I can say is > that they’ve been very good to me. > — > Always remember: > <http://mysite.directlink.net/matthews/smiles/started.htm>

Response:

We had Allstate renters insurance in an apartment we used to live in. The pipes in the apartment leaked, ruining some of our living room furniture (which was cheap furniture). Everyone told us we should file a claim for the furniture, so we did. We got about $300 from the claim. Two years later we were buying our first house and *none* of the big companies (State Farm, which I had my car with at the time, Nationwide, Prudential, etc) would write a homeowners policy for us because of the claim on the renters policy! We couldn’t believe it. We were forced to use Allstate, as they were the only company who would write a policy for us, and they said if the claim had been over $500, they would not have been able to cover us either!! A year later, my husband was back-ended by a minivan while he sat waiting to make a left turn in his tiny Corolla. The Corolla did not fare well, and the lady’s insurance (State Farm) gave us a whopping $1200 to "replace" our car. What a joke. We couldn’t buy anything for that, and the Corolla had been a great little car. We tried "negotiating" but they wouldn’t go higher, although they did pay my husband’s medical bills. Then a year later, we moved out of state and were shopping for insurance. We decided to go with Nationwide, and they were able to write a homeowners policy for us. However, when they found the car accident on my husband’s record, they were going to charge us a higher rate for the car insurance. It took about a half hour of explaining that the accident was in no way my husband’s fault, that the lady’s insurance had paid the claim, not ours, etc., etc. The insurance agent said it didn’t matter. Then he heard us say that my husband’s car wasn’t even moving at the time of the accident (he was stopped waiting to turn left) and then suddenly the agent felt it really wasn’t his fault and agreed to give us a regular rate. Arghhhh. So we have had very little experience with insurance, and it’s all been bad. We’re pretty  much convinced we’ll never make any claims ever again unless the home completely burns down or the car is totaled. We carry the highest deductibles we can. Also my parents switched their homeowners (not sure which company) because they had had three claims in 5 years, after living in their home for 45 years without a single claim! The claims were (if I remember right): siding damaged by wind, roof damaged by tree falling from neighbor’s yard, siding melted by fire when house next door burned down. None of these were my parents’ fault, but the agent gave them a hard time about it and actually told them they needed to stop making claims!! After they had paid for the insurance for 50 years! And then the agent noticed that all three claims had been made in the month of May (in different years), and he mentioned that like it was some vast conspiracy. That really pissed my dad off so they switched to a different carrier after all that time. Katie — To reply by e-mail, take out all the x’s.

– Hide quoted text — Show quoted text -> We are with Nationwide.  Had three claims in about three months, two > bustpipes and a patio window.  We were dropped but we visited our insurance > agent a got it reinstated with an increase ($250 -> $500) in deductible. We > also have car insurance with Nationwide and threatened to pull that. > Doug. >i can give you the names of a dozen of my friends who have been dropped >after two claims…and neither claim was "their fault." (state farm, all >state, etc.)  some of these individuals were with their respective >insurance compaines 20+ years. >if they have to cut you a check, you’re a liability.  insurance companies >are businesses, not charities. >>>understand that if you file a claim, any of the below listed insurance >>>companies will immediately drop you. >> This is absolutely false. One wonders at your motives for making such a >> statement. >> My wife and I have had home and auto insurance with State Farm for > sixteen >> years now. During that time, we have had three auto claims and two > homeowner’s >> claims, and have not been dropped. >> As far as I’m concerned, State Farm is perfectly fine. We’ve never had > *any* >> significant trouble getting a claim paid. The only thing even approaching > a >> problem was an auto accident that was the fault of the other driver — > also >> insured by State Farm — and they wanted to apply our deductible to the > cost >> of our repairs. One phone call to the agent straightened everything out: > (me) >> "Hey, wait a second here. It was the other guy’s fault — it should all > get >> paid out of his coverage, not mine." (agent) "Oh, you’re right, sorry" > and >> that was that. Never even a hint of a problem with any of the other > claims. >>>> Which of these would you go with or stay away from for homeowner > insurance. >>>> Nationwide >>>> State Farm >>>> All State >>>> Erie. >>>> I’m looking for a company with the best reputation for paying out > claims.  I >>> heard State farm was having problems with paying claims.  I never heard > of >>> Erie but they seem to be a good value.  Any comment would be greatly >>> appreciated.  I currently have state farm ins for auto and though about > going >>> with it to say on the multi item discount. >>>> If I should look into another company please post it.  Thanks. >> — >> Doug Miller >> dlmiller/at/netdirect/dot/net >–

Response:

and actually, to cite a specific example, my cubemate had allstate (or state farm, one of the two)……his wife hit a deer in her car……a few months later, hail damaged his car.  that’s two claims.  i told him, "they’re going to drop you." he said, "no way.  i’ve been with them for 20 years…..and i’ve been friends with my agent for just as long. and neither incident was our fault." when his renewal letter arrived, it didn’t give him the option of renewing. this is something all the insurance agents won’t tell you.  you file two claims, and you’re outta here (unless one of the claims is really small). are there exceptions?  sure.  but people don’t hate insurance companies with a passion for no reason at all. – Hide quoted text — Show quoted text – > i can give you the names of a dozen of my friends who have been dropped > after two claims…and neither claim was "their fault." (state farm, all > state, etc.)  some of these individuals were with their respective > insurance compaines 20+ years. > if they have to cut you a check, you’re a liability.  insurance companies > are businesses, not charities. >>understand that if you file a claim, any of the below listed insurance >>companies will immediately drop you. > This is absolutely false. One wonders at your motives for making such a > statement. > My wife and I have had home and auto insurance with State Farm for sixteen > years now. During that time, we have had three auto claims and two homeowner’s > claims, and have not been dropped. > As far as I’m concerned, State Farm is perfectly fine. We’ve never had *any* > significant trouble getting a claim paid. The only thing even approaching a > problem was an auto accident that was the fault of the other driver — also > insured by State Farm — and they wanted to apply our deductible to the cost > of our repairs. One phone call to the agent straightened everything out: (me) > "Hey, wait a second here. It was the other guy’s fault — it should all get > paid out of his coverage, not mine." (agent) "Oh, you’re right, sorry" and > that was that. Never even a hint of a problem with any of the other claims. >>> Which of these would you go with or stay away from for homeowner insurance. >>> Nationwide >>> State Farm >>> All State >>> Erie. >>> I’m looking for a company with the best reputation for paying out claims.  I >> heard State farm was having problems with paying claims.  I never heard of >> Erie but they seem to be a good value.  Any comment would be greatly >> appreciated.  I currently have state farm ins for auto and though about going >> with it to say on the multi item discount. >>> If I should look into another company please post it.  Thanks. > — > Doug Miller > dlmiller/at/netdirect/dot/net > —

Response:

i can give you the names of a dozen of my friends who have been dropped after two claims…and neither claim was "their fault." (state farm, all state, etc.)  some of these individuals were with their respective insurance compaines 20+ years. if they have to cut you a check, you’re a liability.  insurance companies are businesses, not charities. – Hide quoted text — Show quoted text ->understand that if you file a claim, any of the below listed insurance >companies will immediately drop you. > This is absolutely false. One wonders at your motives for making such a > statement. > My wife and I have had home and auto insurance with State Farm for sixteen > years now. During that time, we have had three auto claims and two homeowner’s > claims, and have not been dropped. > As far as I’m concerned, State Farm is perfectly fine. We’ve never had *any* > significant trouble getting a claim paid. The only thing even approaching a > problem was an auto accident that was the fault of the other driver — also > insured by State Farm — and they wanted to apply our deductible to the cost > of our repairs. One phone call to the agent straightened everything out: (me) > "Hey, wait a second here. It was the other guy’s fault — it should all get > paid out of his coverage, not mine." (agent) "Oh, you’re right, sorry" and > that was that. Never even a hint of a problem with any of the other claims. >> Which of these would you go with or stay away from for homeowner insurance. >> Nationwide >> State Farm >> All State >> Erie. >> I’m looking for a company with the best reputation for paying out claims.  I > heard State farm was having problems with paying claims.  I never heard of > Erie but they seem to be a good value.  Any comment would be greatly > appreciated.  I currently have state farm ins for auto and though about going > with it to say on the multi item discount. >> If I should look into another company please post it.  Thanks. > — > Doug Miller > dlmiller/at/netdirect/dot/net

Response:

>understand that if you file a claim, any of the below listed insurance >companies will immediately drop you.

Are you speaking specifically of the original poster, or of all policy holders? State Farm didn’t drop me when I filed a homeowner’s claim. — Always remember: <http://mysite.directlink.net/matthews/smiles/started.htm>

Response:

>understand that if you file a claim, any of the below listed insurance >companies will immediately drop you.

This is absolutely false. One wonders at your motives for making such a statement. My wife and I have had home and auto insurance with State Farm for sixteen years now. During that time, we have had three auto claims and two homeowner’s claims, and have not been dropped. As far as I’m concerned, State Farm is perfectly fine. We’ve never had *any* significant trouble getting a claim paid. The only thing even approaching a problem was an auto accident that was the fault of the other driver — also insured by State Farm — and they wanted to apply our deductible to the cost of our repairs. One phone call to the agent straightened everything out: (me) "Hey, wait a second here. It was the other guy’s fault — it should all get paid out of his coverage, not mine." (agent) "Oh, you’re right, sorry" and that was that. Never even a hint of a problem with any of the other claims. – Hide quoted text — Show quoted text -> Which of these would you go with or stay away from for homeowner insurance. > Nationwide > State Farm > All State > Erie. > I’m looking for a company with the best reputation for paying out claims.  I > heard State farm was having problems with paying claims.  I never heard of > Erie but they seem to be a good value.  Any comment would be greatly > appreciated.  I currently have state farm ins for auto and though about going > with it to say on the multi item discount. > If I should look into another company please post it.  Thanks.

– Doug Miller dlmiller/at/netdirect/dot/net

Response:

I have Nationwide but have never had a claim so can’t speak to that. they had the best price when I shopped for condo/co-op owners insurance. Also Nationwide is a mutual so if they go public you could win (-8. jw – Hide quoted text — Show quoted text – > Which of these would you go with or stay away from for homeowner insurance. > Nationwide > State Farm > All State > Erie. > I’m looking for a company with the best reputation for paying out claims.  I heard State farm was having problems with paying claims.  I never heard of Erie but they seem to be a good value.  Any comment would be greatly appreciated.  I currently have state farm ins for auto and though about going with it to say on the multi item discount. > If I should look into another company please post it.  Thanks.

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understand that if you file a claim, any of the below listed insurance companies will immediately drop you. > Which of these would you go with or stay away from for homeowner insurance. > Nationwide > State Farm > All State > Erie. > I’m looking for a company with the best reputation for paying out claims.  I heard State farm was having problems with paying claims.  I never heard of Erie but they seem to be a good value.  Any comment would be greatly appreciated.  I currently have state farm ins for auto and though about going with it to say on the multi item discount. > If I should look into another company please post it.  Thanks.

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Going back to the insurance info, has anyone have any negative experience with Erie?  They’re rates are better than the big guys (State Farm, All State, NationWide).

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Leaving aside the legality of false claims, most homeowners policies typically limit coverage for computers to a certain $ amount (I believe it is $1000) unless there is a rider for extra coverage.  The same holds true for furs and jewelry. – Hide quoted text — Show quoted text – > This is off track too but another thread related to Homeowner > insurance. I have a question regarding a little dilemma that I’m in: > I lent my girlfriend a laptop computer that belongs to my company for a > few weeks. She kept it in her home and her home was robbed and the > laptop was stolen. The police came and filed a report. The home belongs > to her brother (she is renting) and her brother said that he would > claim the laptop under his insurance policy. I agreed to this idea as > did my boss since we thought it would avoid an unnecessary claim. The > laptop was valued at over $4500 when it was purchased 3 years previous. > Over two months later my girlfriend’s brother said the insurance > company only agreed to pay out $1000 because he had indicated to the > insurance company that I had given him the computer. He paid me in > *cash*. I asked for a receipt and he said that he was not issued one. > Since then, I’ve asked the insurance company for a receipt and they > indicate that since I am not the policyholder I can not get a receipt. > Now I’ve learned that the brother probably had to lie and say the > computer was given to him otherwise his insurance company would not > have paid out. What I would really like is to get some kind of receipt > for the cash that I received. Is there any way to determine what the > insurance company paid out for this computer? Would the police have > this information with their report? > Thank you for any help. > SJ > Before you buy.

Response:

$1000 was probably fair value for a three year old computer.  "Like kind and quality," or LKQ, is the way an insurance company places a value on an item. In your situation, the policy covers the cost of a three year old, obsolete (by today’s standards) computer.  A computer that cost $3000 a few years ago can be replaced for $1000 or less today. If you make a claim against your company’s insurer, and they did a basic investigation, it would be pretty easy to find out that the computer had already been claimed by someone else.  I wouldn’t suggest doing that. If you are worried that you were ripped off by your girlfriend’s brother, I’d ask to see a copy of the check stub from the insurance company.  Most companies will have a stub attached to the actual check, or send a cover letter with the check confirming the amount paid. — John – Hide quoted text — Show quoted text – >Thank you for your reply John. That’s what I was worried about. I >wonder if we could now claim the computer under our company policy? >We’re simply looking for fair value on a computer that was stolen. Does >one insurance company know that a claim was made by another insurance >company against the same computer? That wouldn’t be a problem since the >computer rightly belongs to my company, I’m just not sure if that would >be an option. > It’s not likely that the police would have a record of what the >insurance > company paid.  If I understand your story, your girlfriend’s brother >lied to > his insurance company to get coverage for your computer???  He >committed > fraud, and you’re worried about a receipt?  Nope, there’s probably no >way > for you to determine how much the company paid.  I guess you’ll have >to take > the word of the insurance cheat. > — > John > >This is off track too but another thread related to Homeowner > >insurance. I have a question regarding a little dilemma that I’m in: > >I lent my girlfriend a laptop computer that belongs to my company >for a > >few weeks. She kept it in her home and her home was robbed and the > >laptop was stolen. The police came and filed a report. The home >belongs > >to her brother (she is renting) and her brother said that he would > >claim the laptop under his insurance policy. I agreed to this idea as > >did my boss since we thought it would avoid an unnecessary claim. The > >laptop was valued at over $4500 when it was purchased 3 years >previous. > >Over two months later my girlfriend’s brother said the insurance > >company only agreed to pay out $1000 because he had indicated to the > >insurance company that I had given him the computer. He paid me in > >*cash*. I asked for a receipt and he said that he was not issued one. > >Since then, I’ve asked the insurance company for a receipt and they > >indicate that since I am not the policyholder I can not get a >receipt. > >Now I’ve learned that the brother probably had to lie and say the > >computer was given to him otherwise his insurance company would not > >have paid out. What I would really like is to get some kind of >receipt > >for the cash that I received. Is there any way to determine what the > >insurance company paid out for this computer? Would the police have > >this information with their report? > >Thank you for any help. > >SJ > >Before you buy. >Before you buy.

Response:

It depends on who the underwriter is.  Some insurance companies cross reference this data.  However, the most likely series of events will be that your companies insurance company will find out who holds the policy on the residence that the computer was stolen from and cross reference with them.  It’s pretty much a standard procedure.  If there is any evidence of fraud, it will be very difficult to get *anything* from either insurance company since they will doubt what exactly is the truth. Ironically, the ownership of the property for most home owner polices don’t stipulate if the stolen merchandize has to be the property of the owner or a guest.  If your girlfriends brother would of been honest in the first place, you probably wouldn’t be in this mess now. Also I’m surprised that her brothers insurance company would even consider paying anything since typically homeowner policies stipulate that the home *owner* must occupy the dwelling and if it’s rented out, the renter must purchase separate renters insurance.  So, all in all, her brothers insurance company seemed pretty fair IMHO.  Then again polices are different from state to state and company to company. However, keep in mind that rarely will any insurance company pay for the full purchase price of a computer that is three years old anyway and $1,000 is pretty fair considering the rapid depreciation of computers in todays marketplace. Good luck and hopefully your laptop will turn up since most of the time it’s the *contents* of the computer  that is more valuable than the hardware itself. regards, -aki the following quip: – Hide quoted text — Show quoted text ->Thank you for your reply John. That’s what I was worried about. I >wonder if we could now claim the computer under our company policy? >We’re simply looking for fair value on a computer that was stolen. Does >one insurance company know that a claim was made by another insurance >company against the same computer? That wouldn’t be a problem since the >computer rightly belongs to my company, I’m just not sure if that would >be an option. > It’s not likely that the police would have a record of what the >insurance > company paid.  If I understand your story, your girlfriend’s brother >lied to > his insurance company to get coverage for your computer???  He >committed > fraud, and you’re worried about a receipt?  Nope, there’s probably no >way > for you to determine how much the company paid.  I guess you’ll have >to take > the word of the insurance cheat. > — > John > >This is off track too but another thread related to Homeowner > >insurance. I have a question regarding a little dilemma that I’m in: > >I lent my girlfriend a laptop computer that belongs to my company >for a > >few weeks. She kept it in her home and her home was robbed and the > >laptop was stolen. The police came and filed a report. The home >belongs > >to her brother (she is renting) and her brother said that he would > >claim the laptop under his insurance policy. I agreed to this idea as > >did my boss since we thought it would avoid an unnecessary claim. The > >laptop was valued at over $4500 when it was purchased 3 years >previous. > >Over two months later my girlfriend’s brother said the insurance > >company only agreed to pay out $1000 because he had indicated to the > >insurance company that I had given him the computer. He paid me in > >*cash*. I asked for a receipt and he said that he was not issued one. > >Since then, I’ve asked the insurance company for a receipt and they > >indicate that since I am not the policyholder I can not get a >receipt. > >Now I’ve learned that the brother probably had to lie and say the > >computer was given to him otherwise his insurance company would not > >have paid out. What I would really like is to get some kind of >receipt > >for the cash that I received. Is there any way to determine what the > >insurance company paid out for this computer? Would the police have > >this information with their report? > >Thank you for any help. > >SJ > >Before you buy. >Before you buy.

"..Who the hell is Aki Van-Damme?!!"

Response:

Which of these would you go with or stay away from for homeowner insurance. Nationwide State Farm All State Erie. I’m looking for a company with the best reputation for paying out claims.  I heard State farm was having problems with paying claims.  I never heard of Erie but they seem to be a good value.  Any comment would be greatly appreciated.  I currently have state farm ins for auto and though about going with it to say on the multi item discount. If I should look into another company please post it.  Thanks.

Response:

I have Erie for my auto and home and receive the multi-policy discount.  Erie was very responsive when I had ice damage and paid quickly on my claim.   Even though I check with other companies to compare prices, Erie still manages to beat them. – Hide quoted text — Show quoted text – > Which of these would you go with or stay away from for homeowner insurance. > Nationwide > State Farm > All State > Erie. > I’m looking for a company with the best reputation for paying out claims.  I heard State farm was having problems with paying claims.  I never heard of Erie but they seem to be a good value.  Any comment would be greatly appreciated.  I currently have state farm ins for auto and though about going with it to say on the multi item discount. > If I should look into another company please post it.  Thanks.

Response:

This is a little bit off topic, but a lawyer buddy of mine gave me the best insurance info I ever got so I feel obligated to share this bit of wisdom when given any opening. The key to working with insurance companies is to ask them for everything in writing. We had a sewer line leak under the foundation a couple of years ago. We contacted the ins company (Met Life) and then the plumber. When we had gotten through the foundation to the rotted pipe our plumber says "This is where the engineer usually comes to evaluate whether the leak has caused other damage ie. foundation movement". So I call the ins comp and they say they don’t pay for engineers. I ask them to send it to me in writing. Three times that day they confirm to me that they are sending me a letter stating that they are not sending an engineer. The next morning an engineer shows up at my door. Due to his report they ended up paying us an extra couple of thousand because A: we had a knowledgable plumber. B: we requested a letter. Here is why the letter matters. Ins companies can tell you anything they want over the phone. However, if they lie to you in writing it is considered mail fraud and they are liable for 3 times the amount in dispute. To them it’s just easier to pay you than worry about it. The best thing is you don’t even have to be rude or yell at anybody. Just say you want to keep good records and confirm with them what you want the letter to say. "So you are going to send me a letter stating that you are not going to pay for an engineer?" I’ve never actually gotten a letter but I’ve gotten a lot of money using this method. Once again sorry for the soap boxing but I would be remiss if I didn’t distribute this info. Got questions?  Get answers over the phone at Keen.com. Up to 100 minutes free! http://www.keen.com

Response:

It’s not likely that the police would have a record of what the insurance company paid.  If I understand your story, your girlfriend’s brother lied to his insurance company to get coverage for your computer???  He committed fraud, and you’re worried about a receipt?  Nope, there’s probably no way for you to determine how much the company paid.  I guess you’ll have to take the word of the insurance cheat. — John – Hide quoted text — Show quoted text – >This is off track too but another thread related to Homeowner >insurance. I have a question regarding a little dilemma that I’m in: >I lent my girlfriend a laptop computer that belongs to my company for a >few weeks. She kept it in her home and her home was robbed and the >laptop was stolen. The police came and filed a report. The home belongs >to her brother (she is renting) and her brother said that he would >claim the laptop under his insurance policy. I agreed to this idea as >did my boss since we thought it would avoid an unnecessary claim. The >laptop was valued at over $4500 when it was purchased 3 years previous. >Over two months later my girlfriend’s brother said the insurance >company only agreed to pay out $1000 because he had indicated to the >insurance company that I had given him the computer. He paid me in >*cash*. I asked for a receipt and he said that he was not issued one. >Since then, I’ve asked the insurance company for a receipt and they >indicate that since I am not the policyholder I can not get a receipt. >Now I’ve learned that the brother probably had to lie and say the >computer was given to him otherwise his insurance company would not >have paid out. What I would really like is to get some kind of receipt >for the cash that I received. Is there any way to determine what the >insurance company paid out for this computer? Would the police have >this information with their report? >Thank you for any help. >SJ >Before you buy.

Response:

This is off track too but another thread related to Homeowner insurance. I have a question regarding a little dilemma that I’m in: I lent my girlfriend a laptop computer that belongs to my company for a few weeks. She kept it in her home and her home was robbed and the laptop was stolen. The police came and filed a report. The home belongs to her brother (she is renting) and her brother said that he would claim the laptop under his insurance policy. I agreed to this idea as did my boss since we thought it would avoid an unnecessary claim. The laptop was valued at over $4500 when it was purchased 3 years previous. Over two months later my girlfriend’s brother said the insurance company only agreed to pay out $1000 because he had indicated to the insurance company that I had given him the computer. He paid me in *cash*. I asked for a receipt and he said that he was not issued one. Since then, I’ve asked the insurance company for a receipt and they indicate that since I am not the policyholder I can not get a receipt. Now I’ve learned that the brother probably had to lie and say the computer was given to him otherwise his insurance company would not have paid out. What I would really like is to get some kind of receipt for the cash that I received. Is there any way to determine what the insurance company paid out for this computer? Would the police have this information with their report? Thank you for any help. SJ Before you buy.

Response:

Thank you for your reply John. That’s what I was worried about. I wonder if we could now claim the computer under our company policy? We’re simply looking for fair value on a computer that was stolen. Does one insurance company know that a claim was made by another insurance company against the same computer? That wouldn’t be a problem since the computer rightly belongs to my company, I’m just not sure if that would be an option. – Hide quoted text — Show quoted text -> It’s not likely that the police would have a record of what the insurance > company paid.  If I understand your story, your girlfriend’s brother lied to > his insurance company to get coverage for your computer???  He committed > fraud, and you’re worried about a receipt?  Nope, there’s probably no way > for you to determine how much the company paid.  I guess you’ll have to take > the word of the insurance cheat. > — > John >This is off track too but another thread related to Homeowner >insurance. I have a question regarding a little dilemma that I’m in: >I lent my girlfriend a laptop computer that belongs to my company for a >few weeks. She kept it in her home and her home was robbed and the >laptop was stolen. The police came and filed a report. The home belongs >to her brother (she is renting) and her brother said that he would >claim the laptop under his insurance policy. I agreed to this idea as >did my boss since we thought it would avoid an unnecessary claim. The >laptop was valued at over $4500 when it was purchased 3 years previous. >Over two months later my girlfriend’s brother said the insurance >company only agreed to pay out $1000 because he had indicated to the >insurance company that I had given him the computer. He paid me in >*cash*. I asked for a receipt and he said that he was not issued one. >Since then, I’ve asked the insurance company for a receipt and they >indicate that since I am not the policyholder I can not get a receipt. >Now I’ve learned that the brother probably had to lie and say the >computer was given to him otherwise his insurance company would not >have paid out. What I would really like is to get some kind of receipt >for the cash that I received. Is there any way to determine what the >insurance company paid out for this computer? Would the police have >this information with their report? >Thank you for any help. >SJ >Before you buy.

Before you buy.

Response:

Question:

> I’ve been advised by my Allstate agent to drop the collision & comp on > my ‘86 Celica.  Not a problem considering this part due to the age of > the vehicle.  With a new state law raising the amounts that people can > sue for in the event of an accident, he’s suggesting a $1 million > personal liability umbrella policy to cover these higher limits.  He’s > suggesting this method instead of raising the liability limits.  The > umbrella policy would apply to both home owners and auto liability. > I’ll save about $300/year dropping the collision & comp, which would > more then pay for the $185/year umbrella policy.  Sounds great on paper, > is it?  Which method would you use and why, to cover the law change.

If you’re expecting the umbrella to cover the loss of collision and comp, you’re mistaken.  Umbrella policies are for liability to other parties and do not cover your losses.  So your $300 vs. $185 comparison isn’t valid because you’re losing collision and comp. Umbrellas are a good idea for gaining overall liability coverage and are typically used to increase your personal liability coverage above and beyond the highest limits available on your individual vehicle insurance.  But keep in mind that the premium you are charged for your umbrella will reflect your risk exposure with respect to your vehicles and how much liability insurance you keep in place on those vehicles.  Most insurers require that you keep $500K or so liability insurance in place on your vehicles to quality for the umbrella. Bottom line:  umbrellas are a good idea, but they don’t save you any money – they just are an effective way to gain higher limits and extend these limits beyond your vehicle liability exposure. – Mark

Response:

I don’t know of any law changes, but your agent makes good sense.  You didn’t mention the Liability limits you now carry, but higher limits are generally very cheap, and if you are going to raise your limits, you might as well go the Personal Umbrella route and protect your assets be it for an auto liability or a personal liability.

– Hide quoted text — Show quoted text -> I’ve been advised by my Allstate agent to drop the collision & comp on > my ‘86 Celica.  Not a problem considering this part due to the age of > the vehicle.  With a new state law raising the amounts that people can > sue for in the event of an accident, he’s suggesting a $1 million > personal liability umbrella policy to cover these higher limits.  He’s > suggesting this method instead of raising the liability limits.  The > umbrella policy would apply to both home owners and auto liability. > I’ll save about $300/year dropping the collision & comp, which would > more then pay for the $185/year umbrella policy.  Sounds great on paper, > is it?  Which method would you use and why, to cover the law change. > — > Thanks, > R

Response:

X-Mailer: Mozilla 4.7 (Macintosh; I; PPC) X-Accept-Language: English,en A follow up to my note below.  Thanks to all for the advice.  Some mentioned my current liability levels. Bodily Injury 250,000 each person/$500,000 each occurrence Property Damage $100,000 each occurrence The new law changes suing levels to $500,000 for a child under 18, and $350,000 for adults.  My agent did mention that my liability levels can be raised to $500,000, but suggested the alternative of the umbrella.  Oddly, I didn’t ask what the price increase would be to just raise the liability to $500,000 with my current policy.  By the way do both the bodily injury and property damage amounts listed above need the raise to $500,000? As I understand it, if both methods were the same price (unlikely), the umbrella is the way to go, considering the additional coverage on the house etc.  Correct? Since the cost of the $1 million umbrella is $185 year, at what lesser price would you instead go with raising the liability level/s instead of going with the umbrella policy? Thanks again, R – Hide quoted text — Show quoted text – > I’ve been advised by my Allstate agent to drop the collision & comp on > my ‘86 Celica.  Not a problem considering this part due to the age of > the vehicle.  With a new state law raising the amounts that people can > sue for in the event of an accident, he’s suggesting a $1 million > personal liability umbrella policy to cover these higher limits.  He’s > suggesting this method instead of raising the liability limits.  The > umbrella policy would apply to both home owners and auto liability. > I’ll save about $300/year dropping the collision & comp, which would > more then pay for the $185/year umbrella policy.  Sounds great on paper, > is it?  Which method would you use and why, to cover the law change. > — > Thanks, > R

– Thanks, R

Response:

Sounds like good advice from your agent.  The umbrella gives you coverage provides broader coverage along with the higher limits.  It covers things like slander and libel which most homeowners policies exclude. Randy Wright, CPCU

– Hide quoted text — Show quoted text -> I’ve been advised by my Allstate agent to drop the collision & comp on > my ‘86 Celica.  Not a problem considering this part due to the age of > the vehicle.  With a new state law raising the amounts that people can > sue for in the event of an accident, he’s suggesting a $1 million > personal liability umbrella policy to cover these higher limits.  He’s > suggesting this method instead of raising the liability limits.  The > umbrella policy would apply to both home owners and auto liability. > I’ll save about $300/year dropping the collision & comp, which would > more then pay for the $185/year umbrella policy.  Sounds great on paper, > is it?  Which method would you use and why, to cover the law change. > — > Thanks, > R

Response:

- Hide quoted text — Show quoted text – > I’ve been advised by my Allstate agent to drop the collision & comp on > my ‘86 Celica.  Not a problem considering this part due to the age of > the vehicle.  With a new state law raising the amounts that people can > sue for in the event of an accident, he’s suggesting a $1 million > personal liability umbrella policy to cover these higher limits.  He’s > suggesting this method instead of raising the liability limits.  The > umbrella policy would apply to both home owners and auto liability. > I’ll save about $300/year dropping the collision & comp, which would > more then pay for the $185/year umbrella policy.  Sounds great on paper, > is it?  Which method would you use and why, to cover the law change. > — > Thanks, > R

Get a new agent.  An Umbrella policy covers your liability and takes over after your other liability policy limits have been reached.  Good policy but it will not cover a collision/comp loss to your vehicle if that is what you expect it to do.

Response:

An Umrella is always a good idea. Some will also cover things not covered by the primary (exclusions are not covered by the Umbrella. Keeping certain minimum premiums in mind, the cost will depend on the cost of your auto and home insurance. For best results, the carrier on all theree should be the same. The limit shold be as high as you can afford to protect the assets you have. Bill Houdek

– Hide quoted text — Show quoted text -> I’ve been advised by my Allstate agent to drop the collision & comp on > my ‘86 Celica.  Not a problem considering this part due to the age of > the vehicle.  With a new state law raising the amounts that people can > sue for in the event of an accident, he’s suggesting a $1 million > personal liability umbrella policy to cover these higher limits.  He’s > suggesting this method instead of raising the liability limits.  The > umbrella policy would apply to both home owners and auto liability. > I’ll save about $300/year dropping the collision & comp, which would > more then pay for the $185/year umbrella policy.  Sounds great on paper, > is it?  Which method would you use and why, to cover the law change. > — > Thanks, > R

Response:

I’ve been advised by my Allstate agent to drop the collision & comp on my ‘86 Celica.  Not a problem considering this part due to the age of the vehicle.  With a new state law raising the amounts that people can sue for in the event of an accident, he’s suggesting a $1 million personal liability umbrella policy to cover these higher limits.  He’s suggesting this method instead of raising the liability limits.  The umbrella policy would apply to both home owners and auto liability. I’ll save about $300/year dropping the collision & comp, which would more then pay for the $185/year umbrella policy.  Sounds great on paper, is it?  Which method would you use and why, to cover the law change. — Thanks, R

Response:

- Hide quoted text — Show quoted text – > I’ve been advised by my Allstate agent to drop the collision & comp on > my ‘86 Celica.  Not a problem considering this part due to the age of > the vehicle.  With a new state law raising the amounts that people can > sue for in the event of an accident, he’s suggesting a $1 million > personal liability umbrella policy to cover these higher limits.  He’s > suggesting this method instead of raising the liability limits.  The > umbrella policy would apply to both home owners and auto liability. > I’ll save about $300/year dropping the collision & comp, which would > more then pay for the $185/year umbrella policy.  Sounds great on paper, > is it?  Which method would you use and why, to cover the law change. > — > Thanks, > R

$1 million liability is what you get with basic coverage here, ask him what your coverage is already. —

Response:

Question:

1. Trying to travel to Budapest from SanFran.  I understand all of the low season fares end on March 31.  It has been explained that regardless of my departure date, if I return April 1, or thereafter, the higher rates apply. Does this mean the skies are crowded because EVERYBODY is trying to return from EVERYWHERE on the same date? 2.  Need some car rental information re Budapest.  Last time I went, 4 years agor, much money was saved by flying to Frankfurt (big savings) and renting a car from there (another big savings).  I now understand that they don’t want you taking cars to Eastern European contries.  Are you restricted by contract (agreement) only, or is there some kind of license or sticker either missing or added to your car so that you cannot cross the border should you wish to dishonor your contract. 3.  Don’t they have the equivalent of "Rent-a-Wreck" in western contries so that you would be taking an undesireable (read – less likely to be stolen) car to said eastern country. Any replies would be greatly appreciated.  Referals to web sites re airfares appreciated. Thanks.  Ivan

Response:

> 1. Trying to travel to Budapest from SanFran.  I understand all of the low > season fares end on March 31.  It has been explained that regardless of my > departure date, if I return April 1, or thereafter, the higher rates apply. > Does this mean the skies are crowded because EVERYBODY is trying to return > from EVERYWHERE on the same date?

Which airline are you referring to?  I work for LH (great winter sales right now, btw, selling date extended to 12 Feb), and *most* of our low season fares (exceptions being to Germany) require departure by March 31, but have a validity of 30 days.  This means, on LH at least, you could leave March 31 and get a spankin’ low fare ($300-400ish) and return sometime in April. AFAIK other airlines (UA, AC, DL) are doing the same thing… [rental car stuff snipped as I know no helpful info] You may check out Lufthansa on http://www.lufthansa-usa.com/ for more info about our winter fares. > Thanks.  Ivan

HTH, –Michelle

Response:

> 1. Trying to travel to Budapest from SanFran.  I understand all of the low > season fares end on March 31.  It has been explained that regardless of my > departure date, if I return April 1, or thereafter, the higher rates apply. > Does this mean the skies are crowded because EVERYBODY is trying to return > from EVERYWHERE on the same date?

I would think most fares are prices on departure date, not return date. At least the international fares from Australia work that way. Pricing based on departure, and validity of 12 months, meaning you can return in a different season and it doesn’t affect the price. Leo Hamulczyk

Response:

<snip> >2.  Need some car rental information re Budapest.  Last time I went, 4 years >agor, much money was saved by flying to Frankfurt (big savings) and renting >a car from there (another big savings).  I now understand that they don’t >want you taking cars to Eastern European contries.  Are you restricted by >contract (agreement) only, or is there some kind of license or sticker >either missing or added to your car so that you cannot cross the border >should you wish to dishonor your contract.

I don’t know how easy it is to violate the contract — but you will have no insurance if the car is damaged or stolen or if you, heaven forbid, hit someone. (And I wouldn’t assume that your home insurance would cover you in such a situation either.) And I can tell you that crossing the border by car between Slovakia and Poland is a VERY BIG DEAL — I’m pretty sure they’d discover any irregularity. Last summer I went in a group of 14 people to Budapest, where we wanted to rent two vans and go to Slovakia and Poland. The ONLY agency we could find that would permit that was Hertz, for a phenomenal sum. We wound up negotiating a deal with the Budapest Marriott whereby we rented a 15-seat mini-bus *with driver* for less than the two self-drive vans would have cost. (Btw, they would not allow us to rent anything without a driver if we wanted to go east.) It worked out wonderfully. Good luck.

Response:

Question:

> I think that, if we could offer a reasonable alternative, there’d be less > interest in doing it the wrong way. Maybe lives would be saved. Anyone?

I’ve been puzzling over this myself.  I haven’t found a transfer panel that will conveniently handle my setup:  I have two 200A main panels and a zillion circuits to various parts of the house.  So I have been toying with an alternative that (while not code) might provide the same safety as a transfer panel. What if I backfeed my generator output to the main panel via a normally open 30A relay.  The relay coil would be activated by the generator’s voltage, switched by magnetic reed switches or optical switches positioned on the main panels such that they could sense the position of the main breakers.  The generator cut-in relay would only be energized if 1) the generator is running and 2) the main breakers are OFF.  It would all be connected such that the failure of the sense switches or wiring would take the generator output offline. It seems like this would provide the functional equivalent of a transfer panel with more flexibility and lower cost.  Comments? Regards, Dennis

Response:

- Hide quoted text — Show quoted text -> I think that, if we could offer a reasonable alternative, there’d be less > interest in doing it the wrong way. Maybe lives would be saved. Anyone? >I’ve been puzzling over this myself.  I haven’t found a transfer panel that >will conveniently handle my setup:  I have two 200A main panels and a zillion >circuits to various parts of the house.  So I have been toying with an >alternative that (while not code) might provide the same safety as a transfer >panel. >What if I backfeed my generator output to the main panel via a normally open >30A relay.  The relay coil would be activated by the generator’s voltage, >switched by magnetic reed switches or optical switches positioned on the main >panels such that they could sense the position of the main breakers.  The >generator cut-in relay would only be energized if 1) the generator is running >and 2) the main breakers are OFF.  It would all be connected such that the >failure of the sense switches or wiring would take the generator output >offline. >It seems like this would provide the functional equivalent of a transfer panel >with more flexibility and lower cost.  Comments? >Regards, Dennis

Build a prototype and call your power authority in for a "special approval" I don’t know about where you are, but Ontario Hydro can authorize anything they are satisfied will be 100% safe, regardless of UL or CSA or equivalent certification. EACH unit will require inspection – it is not a type certification. Snyder Enterprises Appropriate Technology for the Information Age Waterloo Ontario. To reply please drop the r, and send to : Too many misdirected replies plugging my mail box!!!

Response:

- Hide quoted text — Show quoted text ->ANYTHING other than a certified >transfer switch is ILLEGAL and could be DANGEROUS. >This just about sums up this thread. And I think we all agree. >The original poster, however, was complaining about the cost. C’mon; $350 for a >few switches and wires, that we can see would cost less than $100 if they >weren’t a "specialty" item? Get real. >I suspect, for some of us, it’s not a desire to be dangerous or illegal, but a >distate for being ripped off! >Does anyone know a reputable manufacturer and/or reseller that can sell this >stuff (double throw breakers, genny connection cables, etc) somewhere NEAR the >price range of similar, non-specialty items? >I think that, if we could offer a reasonable alternative, there’d be less >interest in doing it the wrong way. Maybe lives would be saved. Anyone? >Just my $.02. >- Tom

I don’t know about manufacturers, but I offered to TRADE a couple of ONAN transfer switches, and got no answer at all. It is in this NG and fairly recent. One is a single contactor, and one is a pair of them, with mechanical interlock one is for 120 V, and the other is for 120-240 V. Did I hear a lot of counteroffers? Is the pope atheist? I think a lot of people are just cheap. A few in this NG are just unable to afford money, but the rest are just unwilling to spend it. "The learned Fool writes his nonsense in better language, but ’tis still nonsense." B.Franklin ‘Poor Richard Improved’ (1754) Lou H. Prolific inventor, Lousy Salesman, Incompetent businessman. (Typical of the Breed) Looking for both around Tulsa OK, USA

Response:

>ANYTHING other than a certified >transfer switch is ILLEGAL and could be DANGEROUS.

This just about sums up this thread. And I think we all agree. The original poster, however, was complaining about the cost. C’mon; $350 for a few switches and wires, that we can see would cost less than $100 if they weren’t a "specialty" item? Get real. I suspect, for some of us, it’s not a desire to be dangerous or illegal, but a distate for being ripped off! Does anyone know a reputable manufacturer and/or reseller that can sell this stuff (double throw breakers, genny connection cables, etc) somewhere NEAR the price range of similar, non-specialty items? I think that, if we could offer a reasonable alternative, there’d be less interest in doing it the wrong way. Maybe lives would be saved. Anyone? Just my $.02. – Tom

Response:

SNIPP > A similar idea was posted earlier. I haven’t checked the code yet, but I am >not sure the county considers this a legitimate method of generator transfer. >This still leaves me with legal liability if some inspector is trying to get >a promotion. Also to hook up anywhere before the main breaker I am working >with live wires. I have no way to kill the power before this point except >pulling the meter. I think the power company frowns on this. I have the new >digital meter also. I’m guessing that might even know if I pull it. Any >ideas?

Yes. Put the transfer switch AFTER the main breaker. Then you can shut off the main breaker to do the install, and the "main" breaker on the Genny becomes your main when running on backup power. You are legal because you are using the transfer switch – and safe because you can disconnect the power to do the install. In most areas you are allowed to do wiring on your own property without a licence, as long as you meet code. You are NOT allowed to do wiring on anyone else’s property OR for pay without a licence. >NERO B

Snyder Enterprises Appropriate Technology for the Information Age Waterloo Ontario. To reply please drop the r, and send to : Too many misdirected replies plugging my mail box!!!

Response:

– Hide quoted text — Show quoted text ->I just picked up a Generac 5kw generator for emergency back-up at my house. I >am trying to determine a simple and inexpensive method to hook up to the >house. The hardware store folks were recommending a transfer switch >($200-$300 with only 4-6 circuits), a transfer switch cable ($75-$100) and >several hours of electrician labor ($$$?) along with permits and inspections. >One of the primary functions of the transfer switch is to make sure you are >isolated from the main power lines, lest you electrocute a technician with >your generator. >After the sales gent leaves, a couple of customers inform me of an >inexpensive and simpler method. Simply purchase the plugs and cable to >connect from the locking 240V, 20 amp, outlet on the generator, to the 240V >dryer outlet in your house. You make sure you open the main breaker to your >house before connecting the generator. Then you fire up the generator and the >240v flows to the dryer outlet and on to the main circuit box in the house >via the two 120V legs. This accomplishes my three goals. 1) protects power >workers from electrocution. 2) simple and inexpensive (about $30 in parts). >3) I have the option of using any house circuit (not limited to 4-6 >circuits). >Questions: >Has anyone tried this succesfully? >What are the  drawbacks of this method or things to be aware of? >The generator end has 4 connections while the dryer end has only 3 >connections. Can I use 3 conector cable between the plugs and jump the >neutral (white) and the ground (green) connections on the generator plug? >Should I use 4 conductor wire and jump on the dryer end? >I am trying to keep the cable length at 15′-20′. ( I may be able to go 10′ if >necessary) Will 10 AWG dryer type cable do the job? >I suggest doing it right! Your house is the one that would be burning not mine. >Just a thought. BTW If your house is wired with aluminum wiring I wouldn’t do it! >Do you know what type of wiring is in the house? >Copper aluminum are not too good at mixing because of the dieletric effect. One type of >metal contacts another and generates a DC voltage. Small but it can cause damage. >If Aluminum does start to heat up to the point it catches fire sand is about the only >thing that would put out the fire. Water would flare it up. Poorman’s thermite effect >would leave the home in cinders. >So I suggest before you start such a project to find out what kind of wires are running >through your walls. >~tss~

No problem, aluminum or copper, but ANYTHING other than a certified transfer switch is ILLEGAL and could be DANGEROUS. NO INSURANCE if there is a fire from ANY cause with this connection. Snyder Enterprises Appropriate Technology for the Information Age Waterloo Ontario. To reply please drop the r, and send to : Too many misdirected replies plugging my mail box!!!

Response:

take a look at this site:  it may be helpful in what you are trying to do. http://popularmechanics.com/popmech/homei/9803HIHIAM.html – Hide quoted text — Show quoted text – >I just picked up a Generac 5kw generator for emergency back-up at my house.

Response:

- Hide quoted text — Show quoted text – >I just picked up a Generac 5kw generator for emergency back-up at my house. I >am trying to determine a simple and inexpensive method to hook up to the >house. The hardware store folks were recommending a transfer switch >($200-$300 with only 4-6 circuits), a transfer switch cable ($75-$100) and >several hours of electrician labor ($$$?) along with permits and inspections. >One of the primary functions of the transfer switch is to make sure you are >isolated from the main power lines, lest you electrocute a technician with >your generator. >After the sales gent leaves, a couple of customers inform me of an >inexpensive and simpler method. Simply purchase the plugs and cable to >connect from the locking 240V, 20 amp, outlet on the generator, to the 240V >dryer outlet in your house. You make sure you open the main breaker to your >house before connecting the generator. Then you fire up the generator and the >240v flows to the dryer outlet and on to the main circuit box in the house >via the two 120V legs.

Illegal in ALL juristictions. Unsafe at any time – [particularly in a crisis.] DON’T do it. The ONLY legal and safe way is a transfer switch. – Hide quoted text — Show quoted text -> This accomplishes my three goals. 1) protects power >workers from electrocution. 2) simple and inexpensive (about $30 in parts). >3) I have the option of using any house circuit (not limited to 4-6 >circuits). >Questions: >Has anyone tried this succesfully? >What are the  drawbacks of this method or things to be aware of? >The generator end has 4 connections while the dryer end has only 3 >connections. Can I use 3 conector cable between the plugs and jump the >neutral (white) and the ground (green) connections on the generator plug? >Should I use 4 conductor wire and jump on the dryer end? >I am trying to keep the cable length at 15′-20′. ( I may be able to go 10′ if >necessary) Will 10 AWG dryer type cable do the job? >Thanks in advance for your assitance. >NERO B

Snyder Enterprises Appropriate Technology for the Information Age Waterloo Ontario. To reply please drop the r, and send to : Too many misdirected replies plugging my mail box!!!

Response:

yes it works yes I have tried it I have done it however I do recomend that you but a breaker in that is rated at the same as your generator and installing a seperate outlet somewhere else.

Response:

- Hide quoted text — Show quoted text ->    You’re sure to hear how this type of back-feeding is illegal and dangerous, > and will void your home insurance, etc etc … and it’s all true ! > I have received many such posts and appreciate the info and concern. > But if you’re still intent on doing it anyway, > Temporarily, probably. > This is where I am not 100% clear. The generator outlet is 4 wire, 2 hot, > neutral and ground. If my transfer cable is 4-wire with 220v twist locks > (M/F) on both ends, all is still ok. Now with the "dead-mans cord’, I have a > 4-wire male twist lock on one end. A 4-wire cable in the middle and a 3-wire > dryer plug on the other end. What do I do with the extra ground wire? Do I > connect it to the neutral (white) wire on the dryer plug end of the cable? > Also, I am trying to make sure I get the correct gauge and type wire, for the > length I am running, to make this transfer cable safe. Any suggestions?

Let me get this clear: You don’t know how to figure the correct wire gauge, but you are going to jury-rig this anyway against all advice to the contrary. I hope you get a good quality generator; you’ll be using it the rest of your life. Power companies generally turn off your power *permanently* when they find out you are using this kind of hookup. (Their worker’s comp claims are high enough as it is.) Irv

Response:

– Hide quoted text — Show quoted text – >first do you have two empty circuit breakers in your box that you can >put a 220 volt  circuit breaker in? >if so >get a circuit breaker 220 volt rated for the amps of your generator >install in panel make sure to label this and keep it turned off. also >label all other circuit breakers and mark which ones will need to be >powered in an emergancy. next install a 220 outlet some where on the >outside that is in an area where you want to leave your generator. >inside a garage is okay as long as you keep the door open. run the right >gauge where between the 220 outlet and the circuit breaker. next make a >cable with two mail ends plug one in generator. and the other in the >outlet. when power goes off. turn main off!!!!!! turn all none essential >breakers off turn the 220 on. Crank generator and apply load. should >take you about half a day and you don’t need permits or anything else. >although an electrcian could help.

Very dangerous- what if the male plug gets pulled out of the wall???then you’ll have shock and fire hazzard… Scott

Response:

first do you have two empty circuit breakers in your box that you can put a 220 volt  circuit breaker in? if so get a circuit breaker 220 volt rated for the amps of your generator install in panel make sure to label this and keep it turned off. also label all other circuit breakers and mark which ones will need to be powered in an emergancy. next install a 220 outlet some where on the outside that is in an area where you want to leave your generator. inside a garage is okay as long as you keep the door open. run the right gauge where between the 220 outlet and the circuit breaker. next make a cable with two mail ends plug one in generator. and the other in the outlet. when power goes off. turn main off!!!!!! turn all none essential breakers off turn the 220 on. Crank generator and apply load. should take you about half a day and you don’t need permits or anything else. although an electrcian could help.

Response:

If you choose to use this method of connection, (the unsafe, not to NEC, type your talking about) then you have two choices. Drop the ground from the wiring connection between the genset and the dryer outlet, or change the dryer outlet to a 4 wire outlet and change the dryer pigtail to match.  Either will work, but the Building Inspector will wonder why your dryer is using a different type connector.  If you should choose the first, then just connect the ground lug on the genset to the metal case of your Main Panel using a Number 12 wire, and leave the ground connection of the twistloc unconnected.           No fear,  Now with all of the above said, you better start taking "Charles Atlas Body Building courses" because if you make a mistake and fry a lineman, his buddies are going to come looking for you, and they aren’t going to be in any mood to just "Chat", when they show up at your door.  After you pick yourself up off your living room floor, with a few teeth missing, the ‘Boys in Blue" will snap the cuffs on you and you will be living with "Bubba" for the next few years.  Linecrews just don’t have any sense of humor when it comes to this sort of thing. None at all. Ah, but you say, " I am a smart guy and it would never happen to me" or "I know what I’m doing, and I won’t forget any of the checklist steps", well those big burly guys will not be listening to your explanations when they breakdown your door, when you do forget, and do make a mistake.  Do it right or pay for it later. Bruce

Response:

As a former lineman for an electric utility, I have to say…..Do it the right way! Standard practice for us when we found someone with a "jury-rigged" hookup was to disconnect them from the grid until they could prove compliance with the regulations.  Even then, we were often pretty slow to do a re-connect for them. By not conforming to safety regulation, you are putting the lives of my friends at risk.

– Hide quoted text — Show quoted text -> >I just picked up a Generac 5kw generator for emergency back-up at my house. I > >am trying to determine a simple and inexpensive method to hook up to the > >house. The hardware store folks were recommending a transfer switch > >($200-$300 with only 4-6 circuits), a transfer switch cable ($75-$100) and > >several hours of electrician labor ($$$?) along with permits and inspections. > >One of the primary functions of the transfer switch is to make sure you are > >isolated from the main power lines, lest you electrocute a technician with > >your generator. > >After the sales gent leaves, a couple of customers inform me of an > >inexpensive and simpler method. Simply purchase the plugs and cable to > >connect from the locking 240V, 20 amp, outlet on the generator, to the 240V > >dryer outlet in your house. You make sure you open the main breaker to your > >house before connecting the generator. Then you fire up the generator and the > >240v flows to the dryer outlet and on to the main circuit box in the house > >via the two 120V legs. This accomplishes my three goals. 1) protects power > >workers from electrocution. 2) simple and inexpensive (about $30 in parts). > >3) I have the option of using any house circuit (not limited to 4-6 > >circuits). > >Questions: > >Has anyone tried this succesfully? > >What are the  drawbacks of this method or things to be aware of? > >The generator end has 4 connections while the dryer end has only 3 > >connections. Can I use 3 conector cable between the plugs and jump the > >neutral (white) and the ground (green) connections on the generator plug? > >Should I use 4 conductor wire and jump on the dryer end? > >I am trying to keep the cable length at 15′-20′. ( I may be able to go 10′ if > >necessary) Will 10 AWG dryer type cable do the job?

snip

Response:

Just a thought but why couldn’t you just simply buy another main circuit breaker. When the power goes down, turn off the original and pop it out, tape around it so that nothing bare can touch anything. Pop in the new circuit breaker connected to the generator and then you are in business. This would ensure that when a line man is working you will not endanger him and when the power comes back on you just have to be very careful re-inserting the original circuit breaker, realizing that it is now live. – Hide quoted text — Show quoted text ->    You’re sure to hear how this type of back-feeding is illegal and dangerous, > and will void your home insurance, etc etc … and it’s all true ! > I have received many such posts and appreciate the info and concern. > But if you’re still intent on doing it anyway, > Temporarily, probably. >  I’ve heard of people who … > – use a shortened dryer cord as a "dead-mans cord" – male dryer plug on one > end, male 220 v. twist-lock on the other end – and mark it with bright > coloured tape & warnings & such. They keep it in a safe place. > – this makes the long run of cord (from genny to dryer cord) a normal > male/female cord – except that it is heavy wire with 220 v. twist-locks. > This is an interesting idea. > – if the long cord is 4-wire, it could be used to ground the genny frame. > How? The genny instructions show a ground lug on the frame that I planned on > running some heavy gauge wire to a ground rod. >    (the dryer cord should be 4-wire) > This is where I am not 100% clear. The generator outlet is 4 wire, 2 hot, > neutral and ground. If my transfer cable is 4-wire with 220v twist locks > (M/F) on both ends, all is still ok. Now with the "dead-mans cord’, I have a > 4-wire male twist lock on one end. A 4-wire cable in the middle and a 3-wire > dryer plug on the other end. What do I do with the extra ground wire? Do I > connect it to the neutral (white) wire on the dryer plug end of the cable? > Also, I am trying to make sure I get the correct gauge and type wire, for the > length I am running, to make this transfer cable safe. Any suggestions? > Thanks for the input,  NERO B

Response:

Right and dead wrong, Ac has no direction, correct. Breakers by their design do have direction… Fed Pioneer and Square D both can take 50-100% more to trip them when backfeeding…been their, done that, PAID FOR IT. Part of the problem is that even though they won’t trip the contacts are not able to take the extra heat and can freeze together. The genny’s breakers should trip in an over power event but, my point was that you can not really on the panel breakers. This is extremely important to anyone reading with an PTO style genny with fuses instead of breakers. DON’T use pennies in the fuse holders and expect the house breaker being back fed to to save the day…it may not. – Hide quoted text — Show quoted text – > <snip> >The other thing that should be noted is that the dryer breaker does not > protect >anything. Most breakers are not sensitive to back fed power. >Hoping you’ll do the right and safe thing. > <snip> > This is not true, AC current has no ‘direction’. The breaker will trip > regardless, as long as there is an excessive current drawn through it.

Response:

>    You’re sure to hear how this type of back-feeding is illegal and dangerous, > and will void your home insurance, etc etc … and it’s all true !

I have received many such posts and appreciate the info and concern. > But if you’re still intent on doing it anyway,

Temporarily, probably.  I’ve heard of people who … > – use a shortened dryer cord as a "dead-mans cord" – male dryer plug on one > end, male 220 v. twist-lock on the other end – and mark it with bright > coloured tape & warnings & such. They keep it in a safe place. > – this makes the long run of cord (from genny to dryer cord) a normal > male/female cord – except that it is heavy wire with 220 v. twist-locks.

This is an interesting idea. > – if the long cord is 4-wire, it could be used to ground the genny frame.

How? The genny instructions show a ground lug on the frame that I planned on running some heavy gauge wire to a ground rod. >    (the dryer cord should be 4-wire)

This is where I am not 100% clear. The generator outlet is 4 wire, 2 hot, neutral and ground. If my transfer cable is 4-wire with 220v twist locks (M/F) on both ends, all is still ok. Now with the "dead-mans cord’, I have a 4-wire male twist lock on one end. A 4-wire cable in the middle and a 3-wire dryer plug on the other end. What do I do with the extra ground wire? Do I connect it to the neutral (white) wire on the dryer plug end of the cable? Also, I am trying to make sure I get the correct gauge and type wire, for the length I am running, to make this transfer cable safe. Any suggestions? Thanks for the input,  NERO B

Response:

   You’re sure to hear how this type of back-feeding is illegal and dangerous, and will void your home insurance, etc etc … and it’s all true ! But if you’re still intent on doing it anyway, I’ve heard of people who … – use a shortened dryer cord as a "dead-mans cord" – male dryer plug on one end, male 220 v. twist-lock on the other end – and mark it with bright coloured tape & warnings & such. They keep it in a safe place. – this makes the long run of cord (from genny to dryer cord) a normal male/female cord – except that it is heavy wire with 220 v. twist-locks. – if the long cord is 4-wire, it could be used to ground the genny frame.    (the dryer cord should be 4-wire) – Hide quoted text — Show quoted text ->I just picked up a Generac 5kw generator for emergency back-up at my house. I >am trying to determine a simple and inexpensive method to hook up to the >house. The hardware store folks were recommending a transfer switch >($200-$300 with only 4-6 circuits), a transfer switch cable ($75-$100) and >several hours of electrician labor ($$$?) along with permits and inspections. >One of the primary functions of the transfer switch is to make sure you are >isolated from the main power lines, lest you electrocute a technician with >your generator. >After the sales gent leaves, a couple of customers inform me of an >inexpensive and simpler method. Simply purchase the plugs and cable to >connect from the locking 240V, 20 amp, outlet on the generator, to the 240V >dryer outlet in your house. You make sure you open the main breaker to your >house before connecting the generator. Then you fire up the generator and the >240v flows to the dryer outlet and on to the main circuit box in the house >via the two 120V legs. This accomplishes my three goals. 1) protects power >workers from electrocution. 2) simple and inexpensive (about $30 in parts). >3) I have the option of using any house circuit (not limited to 4-6 >circuits). >Questions: >Has anyone tried this succesfully? >What are the  drawbacks of this method or things to be aware of? >The generator end has 4 connections while the dryer end has only 3 >connections. Can I use 3 conector cable between the plugs and jump the >neutral (white) and the ground (green) connections on the generator plug? >Should I use 4 conductor wire and jump on the dryer end? >I am trying to keep the cable length at 15′-20′. ( I may be able to go 10′ if >necessary) Will 10 AWG dryer type cable do the job? >Thanks in advance for your assitance. >NERO B

Response:

<snip> >The other thing that should be noted is that the dryer breaker does not protect >anything. Most breakers are not sensitive to back fed power. >Hoping you’ll do the right and safe thing.

<snip> This is not true, AC current has no ‘direction’. The breaker will trip regardless, as long as there is an excessive current drawn through it.

Response:

One of the main dangers of doing this is that you do stand a great chance of killing a Power Line worker. Should that happen, You are subject to trial for at a minimum Negligent homicide which in some states can carry a Life sentence not to consider the fact that you killed someone by stupidity. The best method which I can think of which would work simply and cheaply is to install a cut off bellow your power meter with a manual switch for the generator. This way you are able to connect to the main feeds as you should for the greatest protection not only to yourself but the poor power line workers. – Hide quoted text — Show quoted text – >Don’t do it. It’s illegal and very unsafe to you/the line person and your genny. >I will admit that I have done this exact thing on occasion except I hardwire to a >220 circuit. The problem is that the 1st time someone forgets to throw and lock >the main in off position you will fry your genny and perhaps your house (if the >genny catches fire) and the poor line person is being subjected to the back fed >power. The other unsafe thing about using a dryer outlet is the suicide plug that >is needed. If anyone ever pulled the plug with the genny running they will feel >great pain or death. >The other thing that should be noted is that the dryer breaker does not protect >anything. Most breakers are not sensitive to back fed power. >Hoping you’ll do the right and safe thing. > I just picked up a Generac 5kw generator for emergency back-up at my house. I > am trying to determine a simple and inexpensive method to hook up to the > house. The hardware store folks were recommending a transfer switch > ($200-$300 with only 4-6 circuits), a transfer switch cable ($75-$100) and > several hours of electrician labor ($$$?) along with permits and inspections. > One of the primary functions of the transfer switch is to make sure you are > isolated from the main power lines, lest you electrocute a technician with > your generator. > After the sales gent leaves, a couple of customers inform me of an > inexpensive and simpler method. Simply purchase the plugs and cable to > connect from the locking 240V, 20 amp, outlet on the generator, to the 240V > dryer outlet in your house. You make sure you open the main breaker to your > house before connecting the generator. Then you fire up the generator and the > 240v flows to the dryer outlet and on to the main circuit box in the house > via the two 120V legs. This accomplishes my three goals. 1) protects power > workers from electrocution. 2) simple and inexpensive (about $30 in parts). > 3) I have the option of using any house circuit (not limited to 4-6 > circuits). > Questions: > Has anyone tried this succesfully? > What are the  drawbacks of this method or things to be aware of? > The generator end has 4 connections while the dryer end has only 3 > connections. Can I use 3 conector cable between the plugs and jump the > neutral (white) and the ground (green) connections on the generator plug? > Should I use 4 conductor wire and jump on the dryer end? > I am trying to keep the cable length at 15′-20′. ( I may be able to go 10′ if > necessary) Will 10 AWG dryer type cable do the job? > Thanks in advance for your assitance. > NERO B

Response:

>>What are the  drawbacks of this method or things to be aware of? >Based on the way which houses are wired, it will work – make sure that the >main breaker is thrown, and that you don’t have a lot of appliances that >were ‘on’ when the grid power went down. >A drawback is that you have to manually bring yourself up on generator >power, which isn’t that big of a deal. >We used this method during the ice storm.  Turn all the breakers off

including the main, then connect and start the generator.  Then you can turn your circuits on and off with the breakers to control the load on the generator.  This is important with smaller generators, ie run the furnace for a while, turn it off and then run the water pump.

Response:

- Hide quoted text — Show quoted text – >I just picked up a Generac 5kw generator for emergency back-up at my house. I >am trying to determine a simple and inexpensive method to hook up to the >house. The hardware store folks were recommending a transfer switch >($200-$300 with only 4-6 circuits), a transfer switch cable ($75-$100) and >several hours of electrician labor ($$$?) along with permits and inspections. >One of the primary functions of the transfer switch is to make sure you are >isolated from the main power lines, lest you electrocute a technician with >your generator. >After the sales gent leaves, a couple of customers inform me of an >inexpensive and simpler method. Simply purchase the plugs and cable to >connect from the locking 240V, 20 amp, outlet on the generator, to the 240V >dryer outlet in your house. You make sure you open the main breaker to your >house before connecting the generator. Then you fire up the generator and the >240v flows to the dryer outlet and on to the main circuit box in the house >via the two 120V legs. This accomplishes my three goals. 1) protects power >workers from electrocution. 2) simple and inexpensive (about $30 in parts). >3) I have the option of using any house circuit (not limited to 4-6 >circuits). >Questions: >Has anyone tried this succesfully? >What are the  drawbacks of this method or things to be aware of? >The generator end has 4 connections while the dryer end has only 3 >connections. Can I use 3 conector cable between the plugs and jump the >neutral (white) and the ground (green) connections on the generator plug? >Should I use 4 conductor wire and jump on the dryer end? >I am trying to keep the cable length at 15′-20′. ( I may be able to go 10′ if >necessary) Will 10 AWG dryer type cable do the job?

I suggest doing it right! Your house is the one that would be burning not mine. Just a thought. BTW If your house is wired with aluminum wiring I wouldn’t do it! Do you know what type of wiring is in the house? Copper aluminum are not too good at mixing because of the dieletric effect. One type of metal contacts another and generates a DC voltage. Small but it can cause damage. If Aluminum does start to heat up to the point it catches fire sand is about the only thing that would put out the fire. Water would flare it up. Poorman’s thermite effect would leave the home in cinders. So I suggest before you start such a project to find out what kind of wires are running through your walls. ~tss~

Response:

Don’t do it. It’s illegal and very unsafe to you/the line person and your genny. I will admit that I have done this exact thing on occasion except I hardwire to a 220 circuit. The problem is that the 1st time someone forgets to throw and lock the main in off position you will fry your genny and perhaps your house (if the genny catches fire) and the poor line person is being subjected to the back fed power. The other unsafe thing about using a dryer outlet is the suicide plug that is needed. If anyone ever pulled the plug with the genny running they will feel great pain or death. The other thing that should be noted is that the dryer breaker does not protect anything. Most breakers are not sensitive to back fed power. Hoping you’ll do the right and safe thing. – Hide quoted text — Show quoted text – > I just picked up a Generac 5kw generator for emergency back-up at my house. I > am trying to determine a simple and inexpensive method to hook up to the > house. The hardware store folks were recommending a transfer switch > ($200-$300 with only 4-6 circuits), a transfer switch cable ($75-$100) and > several hours of electrician labor ($$$?) along with permits and inspections. > One of the primary functions of the transfer switch is to make sure you are > isolated from the main power lines, lest you electrocute a technician with > your generator. > After the sales gent leaves, a couple of customers inform me of an > inexpensive and simpler method. Simply purchase the plugs and cable to > connect from the locking 240V, 20 amp, outlet on the generator, to the 240V > dryer outlet in your house. You make sure you open the main breaker to your > house before connecting the generator. Then you fire up the generator and the > 240v flows to the dryer outlet and on to the main circuit box in the house > via the two 120V legs. This accomplishes my three goals. 1) protects power > workers from electrocution. 2) simple and inexpensive (about $30 in parts). > 3) I have the option of using any house circuit (not limited to 4-6 > circuits). > Questions: > Has anyone tried this succesfully? > What are the  drawbacks of this method or things to be aware of? > The generator end has 4 connections while the dryer end has only 3 > connections. Can I use 3 conector cable between the plugs and jump the > neutral (white) and the ground (green) connections on the generator plug? > Should I use 4 conductor wire and jump on the dryer end? > I am trying to keep the cable length at 15′-20′. ( I may be able to go 10′ if > necessary) Will 10 AWG dryer type cable do the job? > Thanks in advance for your assitance. > NERO B

Response:

  Pretty shaky operation, IMO.  A really funny thing will happen if you happen to forget to turn off the "shore power".  Also, if you have 4 wires, you may have a 3-phase generator – and then some funny things will happen to your appliances…. — Solar and Wind for remote power since 1979 http://www.windsun.com http://www.solar-electric.com (online store)

– Hide quoted text — Show quoted text ->I just picked up a Generac 5kw generator for emergency back-up at my house. I >am trying to determine a simple and inexpensive method to hook up to the >house. The hardware store folks were recommending a transfer switch >($200-$300 with only 4-6 circuits), a transfer switch cable ($75-$100) and >several hours of electrician labor ($$$?) along with permits and inspections. >One of the primary functions of the transfer switch is to make sure you are >isolated from the main power lines, lest you electrocute a technician with >your generator. >After the sales gent leaves, a couple of customers inform me of an >inexpensive and simpler method. Simply purchase the plugs and cable to >connect from the locking 240V, 20 amp, outlet on the generator, to the 240V >dryer outlet in your house. You make sure you open the main breaker to your >house before connecting the generator. Then you fire up the generator and the >240v flows to the dryer outlet and on to the main circuit box in the house >via the two 120V legs. This accomplishes my three goals. 1) protects power >workers from electrocution. 2) simple and inexpensive (about $30 in parts). >3) I have the option of using any house circuit (not limited to 4-6 >circuits). >Questions: >Has anyone tried this succesfully? >What are the  drawbacks of this method or things to be aware of? >The generator end has 4 connections while the dryer end has only 3 >connections. Can I use 3 conector cable between the plugs and jump the >neutral (white) and the ground (green) connections on the generator plug? >Should I use 4 conductor wire and jump on the dryer end? >I am trying to keep the cable length at 15′-20′. ( I may be able to go 10′ if >necessary) Will 10 AWG dryer type cable do the job? >Thanks in advance for your assitance. >NERO B

Own

Response:

>What are the  drawbacks of this method or things to be aware of?

Based on the way which houses are wired, it will work – make sure that the main breaker is thrown, and that you don’t have a lot of appliances that were ‘on’ when the grid power went down. A drawback is that you have to manually bring yourself up on generator power, which isn’t that big of a deal.

Response:

Question:

> Hello everyone, > I’m in my forties, but my mom is in her eighties.  She is worried about > going into a nursing home and having them take away what’s left of her > nest egg of forty years.  I’ve heard different stories about how she can > buy a house or other property like TV’s and such.  Can she really keep > anything or should she just go down to the casino?  I don’t she what she > likes about them, she only plays the nickel machines and eats too much.   > Anyway any help would be greatly appreciated.

As far as I know, she can keep her car and house, but must spend down any liquid assets before she is Medicare eligible for nursing home care.  At that time of life she probably won’t care to go the casino any more. She’s probably too old to get nursing home insurance–the premiums would be prohibitive, but it’s something for us "younger" retirees to look at (my wife and I are both covered).

Response:

David, that is very sound advice. As I perceive it, our friend here has heard that one must be divested of all assets before Medicaid will help. To some extent that is true, but there are legitimate, viable ways of doing so that will still preserve the estate without having to resort to wasting it in the casinos. One part of this thread is also true. If one has assets in his old age, providing for oneself will get better care in a better place and preserve a sense of dignity. After funds are used up for one’s own care it is time to deal with Medicaid and junior ought to stuff worrying about getting his share.

Response:

Skip – One of the best books on the subject – thorough and easy to read- is "Loving Trust" by Robert A. Esperti & Renno L. Peterson, Viking Press.

Response:

Hi… I think your post makes a lot of sense.   You have a difficult problem.  I have one idea but it might not be right for you…. *If* your Mom figured that she wasn’t going to die for 3 years, one way to get rid of the money (rather than paying for what is probably going to be substandard care anyway) is to give $10,000 a year to anybody she wishes.  She does not have to pay any gift taxes on cash gifts of $10K or less per person per year. This means she can give you $10K, your wife (if any) $10K, any other children or grandchildren $10K each, & so on.  One of my relatives is worth several million dollars.  She has had ALzheimers for many years, however, her husband is about 30 years younger & he has been able to arrange for her to give away money like this to reduce the size of her estate. The idea is, since she already has more than enough for her care & for him to inherit, to give away all that they can so that the gov’t won’t get it in taxes. The catch is, when she dies, anything that was given away in the 3 years before her death is considered part of the estate & will be taxed after all. However, in her case, since she has already lived to be in her 100s, she has been able to give away quite a lot of money w/out worrying about it coming back & getting taxed. This is one idea for reducing the size of your mother’s estate.  However, it will only work if she is in reasonably good health.  Some people will live a long time after their first heart attack & some won’t.  I see you as needing to talk to your mother, her doctor, & possibly her accountant. It’s great if you don’t "need" the money, but your mother probably would prefer to have it go to you rather than to the gov’t or to a nursing home. This is probably why she raised the subject. I just don’t know if this particular idea will be any help to you but it sometimes helps some people, in special situations.  Good luck, Leigh (P.S.  No, I’m not one of the lucky recipients of the annual $10K gifts but I’m fairly close to some relatives who are, so that’s how I found out about it.  Snoopy Leigh!)

Response:

> I don’t know the exact details as I’ve only heard about it, not looked > into it.  Basically you assign all your assets to a trust.  You no > longer own your assets, the trust does, but you control the trust.  The > trust is effectively a legal person.

The TRUSTEES control the trust, not you.  The only control you have is to revoke the trust, only if the trust was originally set up as revocable. > If you die, the trust is still alive.  Therefor since the trust is > alive, there is no inheretance taxes to pay.

Federal taxes must be paid, if applicable, and state taxes too.   > Now the heirs become the > the administrators of the trust. You can add or remove items from the > trust at any time.  The up side is your assets are protected when you

The administrator of the trust is named in the trust.  It isn’t usually wise to name the heirs as administrator.  The job is hard enough without a committee of competing forces trying to do it.  Also,  while it is easy to add assets, you cannot easily remove assets from the trust.  The trustees must concur.   The major upsides are that the assets are usually protected from claims from whoever (depending on state law), and probate is avoided.  Taxes cannot be avoided.  Usually, the assets from a trust can be distributed to the benficiaries within a week or so after death.  The down side is that the assets are out of your control while you are living, so pick your trustees carefully.  Note that having a trust does not necessarily insulate the trust from lawsuits.  My father’s trust, with me as administrator, was sued, and the case dragged on for five years.    Fortunately, the estate won the suit; because all the assets had been distributed to the heirs five years before. > Homes, money, furniture, camera, clothes, everything can be put in the > trust.  It avoids probate and taxes.

As stated previously, taxes must be paid.  Trusts vary from state to state.     > Contact a probate attorney for details.  Look it up on the internet for > a better explanation.  Often I hear/see of a group course/seminar for > setting up living trusts.

Jim Md.

Response:

- Hide quoted text — Show quoted text ->The quick and easy answer is to see a lawyer NOW!  Your tax situation >may not be what you think.  There are living trusts and other instuments >to protect assets. >It sounds as if your Mom has many years of healthy living left.  She’s >active and healthy and recovered from her heart attack.  LEGAL planning >today could save 1000s tomorrow. >Bob > Bob I’ve never heard of a living trust used to "protect assets." > What do you mean exactly? > -HW "Skip" Weldon >  Columbia, SC

I don’t know the exact details as I’ve only heard about it, not looked into it.  Basically you assign all your assets to a trust.  You no longer own your assets, the trust does, but you control the trust.  The trust is effectively a legal person.   If you die, the trust is still alive.  Therefor since the trust is alive, there is no inheretance taxes to pay.  Now the heirs become the the administrators of the trust. You can add or remove items from the trust at any time.  The up side is your assets are protected when you Homes, money, furniture, camera, clothes, everything can be put in the trust.  It avoids probate and taxes.   Contact a probate attorney for details.  Look it up on the internet for a better explanation.  Often I hear/see of a group course/seminar for setting up living trusts. — Bob Free Frugal News Letter http://www.macnstuff.com/mcfl/1/newsletr.html Mac-N-Stuff Used Macintosh Computers, Monitors, Peripherals. Use our links to pricing used Apple/Macintosh computers and monitors.

Response:

Well John, how much are we talking about here?  Your mon can give $10,000 per year to anyone–you, the wife, the kids– tax free…perhaps more without owing anything, but she’d have to file a gift tax return.  And as others have stated, Medicaid will want it back if the gifts were within the time period. I get the impression it’s substantial money.  Well, wouldn’t you rather see her get good care if needed?  I would imagine Medicaid recipiants don’t get to stay in the best nursing homes in town. How you working the farm deal?  Mom putting up part?  Might be a good way to go.  Could maybe sell her share later on if needed. And who knows?  Lot’s of people never get to a nursing home or stay only a short time.  And you mentioned a heart condition… PS:  I’m a mainframe programmer.  Be pleased consider an offer.  You probably wouldn’t want me though–I sometimes cuss at the terminal screen.  And I don’t think my personal beliefs (if any) are any business whatsever of an employer or potential employer. – Hide quoted text — Show quoted text ->For those interested, I do quite well for myself.  I don’t need Mom’s >money.  God takes care of His own.  SO THERE!! NA!! >Mom lives down the road in another suburb.  She’s 84, active, and fixes >Sunday dinner.  This is even after a small heart attack in April.  I >never imagined the attraction a casino would have, thanks Leigh for the >insight. >We lost Dad to Alzheimer last year.  He spent two years at the VA >hospital.  They took very good care of him and we gave the nurses >"something extra" after he went home.  He spent one year barely knowing >who we were.  It’s said the family’s of the patients die twice.  Once >from the memory loss and again when the loved one dies.  I’ve asked my >family to take me to the woods if I get that way.  If I’m well enough, >I’ll find my way back. >Mom comes from a middle american farm background.  We both believe >everyone should help themselves first, pay their way, and then reach out >a hand to those who follow.  BTW, if you know of God fearing mainframe >programmers who really care, have them contact me. >We don’t believe in "hand-outs".  We believe in getting what you pay for.   >We’ve see the level of care in many nursing homes.  My aunt ran a private >home in a small town.  Much of what we’ve seen recently makes us wonder >"where’s the money going".  We believe that a person shouldn’t get >"taken".  And we believe that you should pass on as much to your children >as you can.  (see farm background above) >I have a wife, four kids, two dogs and am looking at moving to a farm.   >We want Mom to move in with us when the time comes, but she’s weary of >being in the midst of a full-blown family.  She’s done her time and >doesn’t want the bother.  Mom likes this idea of moving to a farm best.   >That way she can have a place of her own, next door. >She recently asked the question about the assets due to her heart attack.   >She is very concerned about whether she might vegetate.  (see dad above) >Given that she might have to have full-time care, the thought of having >her assets eaten up in a matter of months and not receiving decent care >irks her. >She wants to transfer all her assets to me which I know is a losing >proposition. I’d take a beating from the IRS which is not good.  (see >president above) and I’d be penalized if she goes into a home(see other >replies to this thread)   >So, what’s a person suppose to do?  Does any of this make sense?  I sure >took a lot of space to say it.  Anyway, I have faith and with that the >knowledge that whatever happens, it’s part of God’s plan. >God bless and thanks for the input. >John Cloughly >President >Sterling Impact, Inc. >Kansas City, MO

Response:

I didn’t see the original posting. However, it seems that you need to get to an attorney who spcializes in Elder Law. Just look in the phone book. They will be familiar with setting up Trusts, wills and bring up issues you might not have considered. Each state could be different, despite federal tax and Medicaid regulations. -Helen

Response:

I haven’t been keeping up with this thread so forgive me if this is a repeat of previous advice.  You need to see a financial planner – preferably the kind you pay for on an hourly basis so they won’t be trying to sell you some investment package that gives them a commission.  You can do this with or without your mom depending on her desire to participate and physical condition, but you’ll need to have her help to get the financial information together.  You may need to have an attorney work on this with you as well – my mom and her siblings went through this with my grandfather (a farmer) a few years ago and it seemed kind of complicated although everything worked out fine in the end. Lauri

Response:

(shortened) > I am not paid.  I am a volunteer who has had extensive training, and I > have paid staff to assist me.

Sorry if I seemed abrupt.   It’s just that you seemed to be saying thesame words I have heard from certain very rude, and non-helpful, state and county employees. – Hide quoted text — Show quoted text -> I do tell people the relevant laws.  In  my state there is a 36 month > law re: transfer of assets.  I explain that.  Then I refer them to a > good elder law attorney because it is not the job of my agency to give > legal advice. > I am happy to help people do whatever is legal.  In the grey areas I > prefer not to give advice.  The transfer of assets can be very tricky > if Mom or Dad does transfer, needs to go into a nursing home before > the waiting period is up, and the kids have spent the money. > People need to know the possible consequences of their actions.  If a > fair amount of money is at stake, they are best paying for legal > advice. > Most of the clients we serve have modest or no assets and we are able > to help them get Medicaid, often home care to stay in their homes as > long as possible, food stamps, whatever.  The people who call about > their parents often are out of city or state and are not in touch on a > day to day basis with their parent’s situation.  Rather than transfer > the assets, many people are better off to use their savings to pay for > at home nursing care as long as possible.

Our experience here has not been good at all with the "at home"care. And, we have tried several.     IMHO, institutional care is best.   In many ways. >  Adult children should not > be upset if their parent spends their own money to be comfortable.

Certainly agree.    On the other hand, if a parent wants to makeplans that include their own comfort and still leave an inheritance for their children, then they should use all legal means to do so. The very best to you in your volunteer work. !! Dave — Optimism.  It’s the only attitude that makes any damned sense in this world !

Response:

- Hide quoted text — Show quoted text – > says… > Hello everyone, > I’m in my forties, but my mom is in her eighties.  She is worried about > going into a nursing home and having them take away what’s left of her > nest egg of forty years.  I’ve heard different stories about how she can > buy a house or other property like TV’s and such.  Can she really keep > anything or should she just go down to the casino?  I don’t she what she > likes about them, she only plays the nickel machines and eats too much. > Anyway any help would be greatly appreciated. > Inspired by His Word > And fired by His Spirit