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Got some Grey Poupon to go with those baloney sandwiches? :biggrin:

..and that is the sad reality of change...profits over the security of worker bees. The future generations will pay for it, no doubt..after all...when there is 40 million people in Canada,
and...

It all depends on:
How reliable your current vehicle is and what is the actual cost of repairs + wear and tear items you put into it each year = real cost per km travelled.
When buying a new...

Gee M.G...thanks for the "informed statistics" on how long one can expect to live based on current age and probability.... even if you appear to be in good health (or think you are)..lots of things...

Your call of course. :biggrin:

Major claims that could arise over the course of time:

Caused by nature:
*Roof damage from windstorm, hurricane, tornado
Ice damage on roof
grass fires...

Insurance is a direct financial loss each year to you..the individual..unless you have a MAJOR fire claim, where your house is completely or partially destroyed
Unless, you have won the 649 lottery...

I thinks we can blame it on globalization, consumer choice to buy foreign made (or designed) products..either assembled completely in China/Japan/Asia, or shipped as parts to get around government...

But not in every case, Sags. Toyota is a FOREIGN OWNED automaker. They built the plant in Woodstock," built the rails and the factories for the good of us all" *(a passage from Gordon Lightfoot's...

Yes, that is true, if you go for that option. The other option is a (depreciated) cash value. If your flat screen is 5 years old, they will apply 5 years of depreciation and give you a check for the...

That calculation is based on reg gas being (roughly) $1.25 per liter. ($1125 spent extra over a more fuel efficient 4 cylinder). If that's all it costs you then, yes you are ahead of the game.
But...

Exactly. The way I see it, and I'm being practical , and not necessarily frugal here. ..with this deductible game, you are making a bet with the insurance company that in exchange for a lower...

You can't go by manufacturers incentives nor Costco (buy Ford ) incentives out there. You have to factor in true costs for the entire life of the vehicle. For most people, it's just too much...

I started with mine at $1000 deductible, and with my insurance company, it's a shrinking deductible, depending on how many years that you don't file any claims.
In my case, it's now down to $800...

This is the crux of city driving, especially in the -10 to -20C winter months. The engine doesn't get warmed up or just barely in a short commute to work or shopping. A cold engine creates...

Synthetic oil is beneficial from the point that it is thinner and less drag on the engines internal parts, piston rings. Depending on the engine design and tolerances, it may be better or
it may...