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Nikon raises prices and LIES about the cost of raw materials increasing



 
 
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  #51  
Old January 31st 16, 04:41 PM posted to rec.photo.digital
PeterN[_6_]
external usenet poster
 
Posts: 4,254
Default Nikon raises prices and LIES about the cost of raw materialsincreasing

On 1/31/2016 8:02 AM, Tony Cooper wrote:
On Sun, 31 Jan 2016 04:24:54 -0800, Savageduck
wrote:

On 2016-01-31 09:25:56 +0000, "J. Clarke" said:

In article 2016013014581534441-savageduck1@REMOVESPAMmecom,
says...
On 2016-01-30 22:37:03 +0000, nospam said:
In article , Tony Cooper
wrote:


You are required to carry insurance on your automobile and on your
house (if you have a mortgage), but you are not required to buy a
camera.

Eh, you're not "required" to buy a house or a car, either... Not sure what
you
meant here.

If you have a car or a house, you are required to insure it.

not always.

In California proof of insurance is a requirement for annual registration.

You're assuming that one wants to register the car in question.


Correct. If you choose to have a non-operating vehicle your
registration is $10/year.

If you are a home owner it is usually prudent to protect your
investment.

It's prudent but not mandatory.


Agreed.

If you are still paying a mortgage the lender is going to
require insurance.


...but if you use nospam's mortgage lender you can drop the insurance
whenever you choose. ;-)


And live in the car.


Or your mother's basement.


--
PeterN
  #52  
Old January 31st 16, 06:04 PM posted to rec.photo.digital
nospam
external usenet poster
 
Posts: 24,165
Default Nikon raises prices and LIES about the cost of raw materials increasing

In article , Tony Cooper
wrote:

The mortgage holder may require you have them pay your homeowner
insurance premium and add an amount to your mortgage payment.

maybe your lender did, but not mine.


I said the mortgage holder *may* require it. The fact that yours
didn't doesn't mean my statement is wrong.


then why are you arguing?

i brought it up because you claimed i'm lying, which i can assure you,
i am not.


Your assurance means nothing.

insurance was *always* a separate payment, directly to the insurance
company. it was never included in the mortgage payment.


So you did have insurance. I thought you said you didn't. It was
probably required and your insurer provided proof to the mortgage
company.


i said it was cancelled after the loan was granted without any effect
to the loan.

do try to keep up before spewing.

nobody said anything. nobody threatened foreclosure or immediate payoff
or anything else. the monthly payments were made on time and the bank
was happy.

edge case or not, it proves that it is possible, and it's not a mobile
home financed by a disreputable bank either. more of your bull****.

So you are a slum landlord or a liar.


neither.

nothing more than insults because you know you're wrong and can't admit


Wrong about what?


that canceling insurance after the loan is granted causes problems.

in my case, it did not.
  #53  
Old January 31st 16, 06:22 PM posted to rec.photo.digital
Savageduck[_3_]
external usenet poster
 
Posts: 16,487
Default Nikon raises prices and LIES about the cost of raw materials increasing

On 2016-01-31 16:13:37 +0000, "J. Clarke" said:

In article 2016013104245461042-savageduck1@REMOVESPAMmecom,
says...

On 2016-01-31 09:25:56 +0000, "J. Clarke" said:

In article 2016013014581534441-savageduck1@REMOVESPAMmecom,
says...
On 2016-01-30 22:37:03 +0000, nospam said:
In article , Tony Cooper
wrote:


You are required to carry insurance on your automobile and on your
house (if you have a mortgage), but you are not required to buy a
camera.

Eh, you're not "required" to buy a house or a car, either... Not sure what
you
meant here.

If you have a car or a house, you are required to insure it.

not always.

In California proof of insurance is a requirement for annual registration.

You're assuming that one wants to register the car in question.


Correct. If you choose to have a non-operating vehicle your
registration is $10/year.


How about if you have a vehicle that operates just fine but you never
take it off private property except on a trailer?


Is it going to be operated on public roads or State recreation areas,
or Federal property such as National Forests or Wildlife Refuges?

There is an exception in California for "Off Highway Vehicles" (OHV)
which have to have Cal OHV registration, but that is not a free ride.
Bi-Annual OHV license & registration is $52.
Depending on vehicle and use type they are issued a Red or Green tag.
A green plate allows an OHV to operate on public lands all year.
A red plate is assigned to motorcycles and ATVs model year 2003 and
newer that do not meet the emission standards established by the
California Air Resources Board (CARB). An OHV does not meet the
emission standards if the vehicle identification number (VIN) has a "3"
or a "C" in the eight position. For the red OHV license plate riding
schedule and additional information, visit California State Parks
Off-Highway Motor Vehicle Recreation website.

At places such as the Oceano Dunes State Vehicular Recreation Area
there are strict controls. For example:
" The OVH Area: Post 2 is one mile south on the beach from Pier Avenue
and marks the beginning of the OHV area. All OHVs must be transported
to this point before off-loading. Fenced and signed areas are closed to
vehicular use either because the property beyond is private or because
the area contains sensitive plant and animal life."
"All OHVs must be registered through the Department of Motor Vehicles
and display a current green or red sticker. Funds generated from OHV
registration are used for acquisition, development, and operation of
OHV areas."

Then you can go out and play in the sand like a crazy dude!
https://db.tt/HvpK1vXi

If it is a vehicle only used at sanctioned races on controlled race
circuits, and moved between events on a trailer, then you can skip the
registration.

If you are a home owner it is usually prudent to protect your
investment.

It's prudent but not mandatory.


Agreed.

If you are still paying a mortgage the lender is going to
require insurance.


...but if you use nospam's mortgage lender you can drop the insurance
whenever you choose. ;-)


I would like to know who that lender is--if they'll lend to nospam
they'll lend ot anybody.


Ask nospam. I am sure he would be more than happy to give you that
information, and he will probably demand a finder's fee from the lender.

--
Regards,

Savageduck

  #54  
Old January 31st 16, 11:32 PM posted to rec.photo.digital
nospam
external usenet poster
 
Posts: 24,165
Default Nikon raises prices and LIES about the cost of raw materials increasing

In article , Tony Cooper
wrote:

So you did have insurance. I thought you said you didn't. It was
probably required and your insurer provided proof to the mortgage
company.


i said it was cancelled after the loan was granted without any effect
to the loan.


Sure, you can cancel with one insurer, but the bank holding the
mortgage will insist on you obtaining insurance somewhere else.
It may take them some time to catch up with you, but they will.


they didn't 'catch up with me'.

they didn't have a problem with it, something you refuse to acknowledge.

edge case or not, it proves that it is possible, and it's not a mobile
home financed by a disreputable bank either. more of your bull****.

So you are a slum landlord or a liar.

neither.


Both, then. Your story is so fishy that I doubt if anyone is
accepting it.


i don't give a **** what you or anyone else believes. you're going to
twist, lie and argue no matter what i say.

nothing more than insults because you know you're wrong and can't admit

Wrong about what?


that canceling insurance after the loan is granted causes problems.

in my case, it did not.


So you couldn't pay the premium and they canceled the policy? I
wouldn't brag about that here. So you managed to scrape together the
premium for another carrier before the bank noticed took action.


more of your lies, twists and insults.

where did i say i couldn't afford it or that it was cancelled for
nonpayment? that's something *you* came up with because you can't
accept being wrong.

*i* chose to cancel it because it was not worth it. the risk of loss
was low.

You have weaseled, though.


nope. i told you my experience.

You haven't said how long you were without
coverage. Typical.


nobody asked and i don't need to. suffice it to say it was measured in
years, not days or months.
  #55  
Old February 1st 16, 12:27 AM posted to rec.photo.digital
Bill W
external usenet poster
 
Posts: 1,692
Default Nikon raises prices and LIES about the cost of raw materials increasing

On Sun, 31 Jan 2016 17:32:16 -0500, nospam
wrote:

In article , Tony Cooper


Sure, you can cancel with one insurer, but the bank holding the
mortgage will insist on you obtaining insurance somewhere else.
It may take them some time to catch up with you, but they will.


they didn't 'catch up with me'.

they didn't have a problem with it, something you refuse to acknowledge.


Was this a condo?
  #56  
Old February 1st 16, 02:33 AM posted to rec.photo.digital
PeterN[_6_]
external usenet poster
 
Posts: 4,254
Default Nikon raises prices and LIES about the cost of raw materialsincreasing

On 1/31/2016 12:04 PM, nospam wrote:
In article , Tony Cooper
wrote:

The mortgage holder may require you have them pay your homeowner
insurance premium and add an amount to your mortgage payment.

maybe your lender did, but not mine.


I said the mortgage holder *may* require it. The fact that yours
didn't doesn't mean my statement is wrong.


then why are you arguing?

i brought it up because you claimed i'm lying, which i can assure you,
i am not.


Your assurance means nothing.

insurance was *always* a separate payment, directly to the insurance
company. it was never included in the mortgage payment.


So you did have insurance. I thought you said you didn't. It was
probably required and your insurer provided proof to the mortgage
company.


i said it was cancelled after the loan was granted without any effect
to the loan.

do try to keep up before spewing.

nobody said anything. nobody threatened foreclosure or immediate payoff
or anything else. the monthly payments were made on time and the bank
was happy.

edge case or not, it proves that it is possible, and it's not a mobile
home financed by a disreputable bank either. more of your bull****.

So you are a slum landlord or a liar.

neither.

nothing more than insults because you know you're wrong and can't admit


Wrong about what?


that canceling insurance after the loan is granted causes problems.

in my case, it did not.


Your financing institution screwed up.


--
PeterN
  #57  
Old February 1st 16, 09:49 PM posted to rec.photo.digital
charles
external usenet poster
 
Posts: 88
Default Nikon raises prices and LIES about the cost of raw materials increasing

On Sat, 30 Jan 2016 09:53:43 -0500, Tony Cooper
wrote:

On 30 Jan 2016 12:22:17 GMT, Sandman wrote:

In article , Tony Cooper wrote:

RichA:
Commodities, metals, everything that uses energy for production
has FALLEN in price thanks to dropping demand and much lower
fuel costs. Nikon is full of s--- and is simply trying to rape
existing customers because they aren't getting enough NEW
customers. In 2000, insurance companies in Canada tried raising
rates 100% b

hiccup. The insurers tried raising rates because they lost money
in the stock market so they tried to make it back using their near
monopolistic positions in the Canadian market to rip-off
insurances users. Same thing with Nikon.

You are required to carry insurance on your automobile and on your
house (if you have a mortgage), but you are not required to buy a
camera.


Eh, you're not "required" to buy a house or a car, either... Not sure what you
meant here.


If you have a car or a house, you are required to insure it. There is
no requirement at all to buy a camera, so comparing insurance rate
increases to camera cost increases is nonsensical.

The point is that it's a legitimate complaint about insurance rates
because it affects most people. Complaining about Nikon prices is not
a legitimate contention. Price increases by Nikon affect only those
who choose to buy a new Nikon and do not affect people who already own
a Nikon.




Who requires me to have insurance on my house? I chose to do so, but
there is no mortgage on the property, I could let the insurance lapse
if I so chose.
  #58  
Old February 2nd 16, 04:29 AM posted to rec.photo.digital
charles
external usenet poster
 
Posts: 88
Default Nikon raises prices and LIES about the cost of raw materials increasing

On Sat, 30 Jan 2016 20:54:20 -0500, nospam
wrote:

In article , Tony Cooper
wrote:

...and requires insurance as a condition of the loan.

and can be cancelled after the loan is granted...

Granted? Don't you mean repaid?

no. i mean granted.

a lender may want insurance on a property for which they're loaning
money, but after that, it's possible to cancel the insurance and not
cause problems.


That is absolutely incorrect for any bank or mortgage firm that I've
ever heard of. The mortgage holder will require that the homeowner
insurance carrier notify them if there is a change. If your coverage
lapses, the carrier will notify the mortgage holder. If you change
carriers, the new carrier will notify the mortgage holder.


then you haven't heard of all of them.

no surprise there. this isn't the first time you've pretended to know
everything.

The mortgage holder may require you have them pay your homeowner
insurance premium and add an amount to your mortgage payment.


i've seen taxes included in the monthly payments but not insurance
premiums.


Loans in California used to come with payments listed as PITI.
Principal, Interest, Taxes, and Insurance. Mine was, long ago.
If you allow the homeowner's insurance to lapse, the mortgage contract
will usually contain a clause that allows them to demand full payment
of the remaining balance owed.


usually = not always.

you're confirming what i said, yet you argue anyway. that's ****ed up.

BTW: Do you own a home clear, or are you making mortgage payments?
...or are you renting?

what does that have to do with anything? this isn't about me.


Because it's suspected that you live in Mommy's basement and don't
know about such things.


more of your insults.

it's all you can do when you know you're on weak ground.

You want to weasel out of this as you usually do when wrong? Tell us
you were thinking a private financing by an individual as in
"rent-to-own" or "owner financing". It'll be a lie, but it's a weasel
you can use.


i'm not wrong and i have the documents to prove it.

i own a house and a rental property, the latter of which did not have
property insurance for a period of time for reasons that are not
important and the bank did not say a thing. nothing at all.

all they cared about was that the mortgage payments were made on time,
which they were.

so yes, insurance *can* be cancelled without causing problems.

i'm sure you'll keep on arguing anyway.

 




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