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#512
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Liability Insurance - was Nikon D70 issues/questions Vs. Canon
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#513
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Nikon D70 issues/questions Vs. Canon
Brian Baird wrote:
In article , says... Trouble with you and some of your brethren, Mark, is that you have reading comprehension problems. You read things that are not there, make comments that are derived from some sort of convoluted "understanding" of the conversation, then you stomp your feet, point your finger and act in a way that reminds me a lot of the group mentality of unsupervised children on a playground. See ya. I love how you say what is true about yourself and attribute it to Mark. Talk about misplaced blame! Precisely. He keeps claiming we slam Nikon, or pronounce Canon as generally superior. I have challenged him to quote me doing that on this or any other forum. Surprise surprise! He hasn't, because he can't. I have never uttered or even thought these things. His above quote is almost funny, except that I seriously wonder if he is aware of this significant blind-spot in his perspective. Sometimes I think he's joking, but I fear he's quite serious. If he is...and I think he is...then he's got some very interesting tendencies that none of us can do anything about. |
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Liability Insurance - was Nikon D70 issues/questions Vs. Canon
wrote in message ... On Tue, 25 Oct 2005 18:01:49 -0700, "William Graham" wrote: "DaveW" wrote in message news:TAv7f.6218$tl5.619@trnddc02... William Graham wrote: "Ray Fischer" wrote in message ... William Graham wrote: I am not whining about my business costs. I am trying to get the society to save its drivers millions and millions of dollars every year that they are now giving to insurance companies because those companies have lobbied to get laws on the books that allow them to sell liability insurance policies to each car, rather than to the drivers who are the ones that incur the liability. Oh! You want a nanny state to protect you from the big bad insurance companies! No, I just don't want the "nanny state" to force me to give extra money to the insurance companies, which is what is going on now. If you had been following this thread, you'd know that the insurance company lobbies have paid our legislators to make laws that allow the insurance companies to rip the drivers off for billions of dollars every year. While I agree that liability insurance should go with the driver rather than the car, I don't see how this would save most of us much money. For Addressing only liability coverage, not comprehensive or collision, which I think everyone agrees should go with the car: Say you now pay say $2000 a year, ($1000 per car for two cars). Now change the system so that liability insurance covers the driver, not the car. I say the coverage will cost you $2000 a year. Why? Because they can. I should add that back when I was a one family household with two cars, one company which had been a good deal for one car turned out to be a bad deal for two. Another company which would have been higher for only one car gave a much better 2 car discount so that the package deal was better than with the first co. My Mamma told me, you gotta shop around. Regards, DAve I agree that you should shop around, and in a free enterprise system, there should be a variety of places for you to buy from. What I don't like is when the government makes laws in restraint of free trade that allows all these places to force you to pay more for whatever reason. If these places were to get together in the middle of the night, and make decisions like this, they would be breaking the anti-trust laws. So the insurance companies have decided to let the government do it for them. If the insurance companies are forced to compete, and the government doesn't make laws that give them all an unfair advantage, then we would be living in the best of worlds, and getting the best deals that the companies can possibly offer. I'm not asking for anything special. Only fairness across the board. Apparently what has happened is the following. First the insurance companies could write the policies any way they wanted, and the people had a huge variety of policies and payment schemes to choose from. Then some unscrupulous company(s) wrote bad, rip-off policies, and screwed people out of their money with policies that didn't have to pay them anything when they were involved in accidents. So, these people sued, and the government made laws that forced all the policies to have the same wording, so the illiterates couldn't get hurt. Then, that set the stage for the insurance companies to get the government to make more laws, such as the one that allowed them to sell liability policies on the cars, instead of the drivers. I think it was all a mistake. The government should not have made any laws in the first place. Everyone should have to read the fine print on their policies to make sure that they aren't getting screwed. Let's admit it, not everyone wants to get a sufficiently complete legal education in order to do this. I've seen numerous lawyers in interviews where they said even they cannot understand insurance policies -- it takes a specialist to do so. Do you really want to read fifteen pages of small-print gibberish of which, in the end, you'll likely have no idea of the meaningful contents. As a small example, do you really understand the little bit of writing on a parking garage receipt where it says things like, "This contract does not constitute a bailment, etc."? Many of these used to have in terrorem clauses which were legally unenforceable, but discouraged claims when a car was stolen, broken into or otherwise damaged. In addition, long ago, the contract was written in such a way that the garage owner could legally rent out your car while it was in his care. Ownership was transferred for a short time to the garage owner in such a way that he could let it out with impunity. So yeah, I think there's a lot of room for the government to enforce uniformity in common contractual issues. Whether the exact enforcement meets your particular specs for fairness is a separate issue. If free enterprise means you're entitled to write completely incomprehensible contracets, then yes, I believe that it should be curbed to the extent that a reasonable person can buy something with reasonable certaainty that he does indeed have title to it and that there are remedies available if the the thing has been misrepresented. I have nothing against common contracts, and/or regulated contracts. (whatever you want to call them) I just don't like it when the government forces you to only buy these contracts by law. If I want to "take a chance" and buy some other contract, then that should be my right. I am forced by law to buy a liability policy for each vehicle I own. I can't, by law, buy liability on myself for any car I happen to be driving. That's what annoys me. If you want to eat nothing but steak and potatoes, that's OK with me, but don't make a law that says everyone has to eat steak and potatoes, just to save you the trouble of looking in your outbasket every time you go shopping........ Just curious -- have you ever applied for a loan on a piece of real estate? Did you seriouslt read (and understand the complete legal implications fo) the inch and a half thick bundle of papers which you signed (or initialed) and dated in roughly thirty-eight places? Or did you jave a lawyer by your side to review each document? How many hours overtime did the office have to stay open in the evening so you could do this? I did, "have a lawyer" by my side.....She was called my real estate agent. I paid her 1-1/2 % of the purchase price of my home just to make sure that I didn't sign the wrong documents, among a few other things........Had I bought a place without an agent, I would have carefully read everything I signed....... That's what the education system is for. To teach people how to read and interpret what they read for themselves. I don't want my government holding my hand and making sure I don't get screwed. I am capable of doing this for myself, and I would think that everyone should think the same way. As soon as you allow the government to do your thinking for you, then you set yourself up for getting screwed by a collusion between the government and corporations who hire lobbyists to bribe government officials to screw you out of your hard earned cash. This is exactly what has happened here. The insurance companies are making billions of extra dollars every year by selling liability insurance on cars instead of drivers, and the government has laws on the books that force the driving public to buy it, and which don't allow any, "renegade" insurance company to offer anything else. I should be able to go to Lloyds of London, or any other group of insurance companies that bid on insurance contracts, and offer up for auction my own driving record to be purchased by any enterprising insurance company in the group for a bid. Yeah, the average person has plenty of time to go around soliciting and fully understanding bids from international companies not controlled by US law. We're all so independently wealthy that we don't have to hold down a job and can afford to spend our lives reading and understanding contracts for each transaction we make. If it's important enough (money wise) then you had better hire a lawyer.....Why do you assume the government isn't going to cheat you? They are the ones who made the law that gives insurance companies the right to insure automobiles for liability instead of drivers.....They routinely cheat the people......... Some company should bid on my driving ability, and offer me a policy that covers me for any car I happen to be driving against liability. How many cars I own or drive should have nothing to do with it. They should just say, "Mr. Graham, considering your driving record, and how many miles a year you drive, we are prepared to offer you liability insurance coverage for xxx dollars a year." Then, anytime I am driving anything, whether I own it or not, I would be covered for liability. Unfortunately, I can not do this by LAW! IOW, the insurance companies have lobbied my legislature to get laws put on the books that prevent me from doing this, and forcing me to buy liability policies on each car that I own, whether I ever drive it or not. That way, these companies are making lots of money on cars that are parked a large percentage of the time. - A pitiful situation, IMO. |
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Liability Insurance - was Nikon D70 issues/questions Vs. Canon
wrote in message news On Tue, 25 Oct 2005 18:19:38 -0700, "William Graham" wrote: "no_name" wrote in message r.com... wrote: On Tue, 25 Oct 2005 07:53:34 +1000, Eugene wrote: It may not be as enjoyable as driving on the open road, but cars can be driven in all parts of Manhattan, even downtown. The main exceptions being certain areas when Presidents or other dignitaries visit, New Year's Eve, some large annual parade routes and lower Manhattan for a short period after 9-11. Even if you can, perhaps you should be asking yourself if you should be driving in downtown Manhattan. It really ****es me off seeing all the people in Melbourne driving to and from work when they could easily be using public transport. What really annoys me is when I hear people complaining about the trams because they get in their way when they're trying to drive. I personally would be happy if all cars were banned Back in the days when I was repairing office machinery (punched card, mostly) there was a lot of talk like this. but I had to carry parts and tools around from office building to office building all day in order to do my job. There was no way I could do this using public transportation. So, you can't make a law that, "Forces everyone to park their cars outside the city limits and use public transportation." There are always exceptions, so laws should only be made with the greatest trepidition and the most careful thought. Personally, I like the so called, "Golden Gate plan" which was thought up about 30 or 40 years ago by some San Franc8sco traffic engineer. He said, "Lets give the ground level over to cars, from building face to building face. Put parking garages on the ground floor of all the buldings, and put all pedestrians on the 02 level, about 20 feet above the ground on sidewalks cantilevered out from the sides of the buildings. All stores and shopping would be carried out up there, 20 feet above the street. Over-the-street walkways would carry the pedestrians from block to block, and no person would ever have to walk more than a few feet inside a parking garage from their car to the nearest elevator that takes them upstairs. I believe this is the way to go, but it is hard to impliment on citys that are already built, like New York and San Francisco. If you ever get to design a city from scratch, however......... For someone who decries government "interference" in complicated (for the average person) contract issues, you're sure fine with the government mandating the re-engineering of urban life and construction to meet your needs/desires/fantasies. Who said anything about the government doing it? City planners can work for anyone. The government, if they are the ones doing the planning, or private developers, if they are doing it. Just because I am a capitalist, that doesn't mean that I want to kill all the city planners...... from driving in downtown city areas. It'd make the air a lot cleaner and make it so much safer for pedestrians. That might be doable if public transportation is excellent and if people get to and from work at tegular times. I orked at a decent distance from where I live and it would take three transfers and 2.5 hours each way if I didn't drive. If I had to work late, it would likely take an extra hour at least to get home as public transportation is horrible off hours. And where I worked, there was no public transportation off hours. If you worked anything except strictly 9 - 5 you either drove or walked. And since it was 15 miles out of town ... |
#516
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Liability Insurance - was Nikon D70 issues/questions Vs. Canon
"Stuffed Crust" wrote in message ... In rec.photo.digital.slr-systems wrote: Just curious -- have you ever applied for a loan on a piece of real estate? Did you seriouslt read (and understand the complete legal implications fo) the inch and a half thick bundle of papers which you signed (or initialed) and dated in roughly thirty-eight places? Or did you jave a lawyer by your side to review each document? How many hours overtime did the office have to stay open in the evening so you could do this? The last few times I signed an apartment lease, the folks at the various leasing office told me that I was the first person they'd seen who actually read them before signing. And that wasn't anything compared to the mountain amount of crap the typical mortgage makes you go through. Though come to think of it my current mortgage agreement was only a dozen pages long. Though there were a lot of additional papers for other things (insurance, bill of sale -- did you know the house was legally sold for $1; technically the rest was under the table, as far as the court filings were concerned..) "Doing things for yourself" doesn't mean you are not allowed to hire experts to help you. It just means (to me) that you don't blindly trust the government to do it for you with your own tax dollars. You know, government inspectors like to throw their weight around, and say, "No, you can't do this, and yes, you can do that." but, if your building falls down after they have signed it off, and you try to sue the government for an inadequate inspection, you will be out of luck. They can't (by law, of course) be held liable. |
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Nikon D70 issues/questions Vs. Canon
In article Osf8f.3558$UF4.732@fed1read02, "MarkČ" mjmorgan(lowest
even number says... Brian Baird wrote: In article , says... Trouble with you and some of your brethren, Mark, is that you have reading comprehension problems. You read things that are not there, make comments that are derived from some sort of convoluted "understanding" of the conversation, then you stomp your feet, point your finger and act in a way that reminds me a lot of the group mentality of unsupervised children on a playground. See ya. I love how you say what is true about yourself and attribute it to Mark. Talk about misplaced blame! Precisely. He keeps claiming we slam Nikon, or pronounce Canon as generally superior.. I have challenged him to quote me doing that on this or any other forum. Surprise surprise! He hasn't, because he can't. I have never uttered or even thought these things. His above quote is almost funny, except that I seriously wonder if he is aware of this significant blind-spot in his perspective. Sometimes I think he's joking, but I fear he's quite serious. If he is...and I think he is...then he's got some very interesting tendencies that none of us can do anything about. See what I mean? It's like tapping your knee with a hammer and getting a reflex action. Well done. Your instinctual bias and defence strategies are all working fine. And one only has to read your input on anything to do with Canon vs Nikon over the years to know exactly where you stand. Your main problem, as I see it, is that you have you head shoved so far up Canon's ass that you have actually grown accustomed to the stink. -- DD (everything is temporary) www.dallasdahms.com |
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Nikon D70 issues/questions Vs. Canon
DD (Rox) wrote:
In article Osf8f.3558$UF4.732@fed1read02, "MarkČ" mjmorgan(lowest even number says... Brian Baird wrote: In article , says... Trouble with you and some of your brethren, Mark, is that you have reading comprehension problems. You read things that are not there, make comments that are derived from some sort of convoluted "understanding" of the conversation, then you stomp your feet, point your finger and act in a way that reminds me a lot of the group mentality of unsupervised children on a playground. See ya. I love how you say what is true about yourself and attribute it to Mark. Talk about misplaced blame! Precisely. He keeps claiming we slam Nikon, or pronounce Canon as generally superior. I have challenged him to quote me doing that on this or any other forum. Surprise surprise! He hasn't, because he can't. I have never uttered or even thought these things. His above quote is almost funny, except that I seriously wonder if he is aware of this significant blind-spot in his perspective. Sometimes I think he's joking, but I fear he's quite serious. If he is...and I think he is...then he's got some very interesting tendencies that none of us can do anything about. See what I mean? It's like tapping your knee with a hammer and getting a reflex action. Well done. Your instinctual bias and defence strategies are all working fine. And one only has to read your input on anything to do with Canon vs Nikon over the years to know exactly where you stand. Your main problem, as I see it, is that you have you head shoved so far up Canon's ass that you have actually grown accustomed to the stink. I feel sorry for you, Dallas. |
#519
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Nikon D70 issues/questions Vs. Canon
In article ,
says... And one only has to read your input on anything to do with Canon vs Nikon over the years to know exactly where you stand. Your main problem, as I see it, is that you have you head shoved so far up Canon's ass that you have actually grown accustomed to the stink. Oh man Dallas, you don't know when to quit. Too funny. -- http://www.pbase.com/bcbaird |
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Liability Insurance - was Nikon D70 issues/questions Vs.Canon
That might be doable if public transportation is excellent and if people get to and from work at tegular times. I orked at a decent distance from where I live and it would take three transfers and 2.5 hours each way if I didn't drive. If I had to work late, it would likely take an extra hour at least to get home as public transportation is horrible off hours. And where I worked, there was no public transportation off hours. If you worked anything except strictly 9 - 5 you either drove or walked. And since it was 15 miles out of town ... I do understand that. I grew up in the country myself. Obviously there's situations where public transport isn't practical or even possible. However I'm talking about people who live near the city and still refuse to use public transport simply because they think it's beneath them. I had a girlfriend who lived in an outer suburb of Melbourne and while there was a train, she would always drive, but this was for a very good reason. It would not be smart for a woman on her own to travel by train to the outer suburbs of Melbourne, particularly late in the evenings. I did it a few times and even I felt very unsafe doing it. That's mostly because of some bright sparks idea to remove security guards from trains to try to cut costs. |
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