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Rod Caster

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Everything posted by Rod Caster

  1. Places like this exist? This would be the easiest road trip sell ever to my wife. She's obsessed with pancakes and real syrup.
  2. Judging by its tail, that big girl has been around the block
  3. The ultimate kid-hauler. I'd buy one... of course that's forgetting about the whole middle part where I do not have that kind of money to spend. For now I'll just jam some hockey pucks under my Corolla's struts.
  4. That second pickerel she's holding is a beauty! that is without a doubt, a beautiful part of this province!
  5. I'm still getting heaps of strawberries, but the blueys are still green. Kid free should be a blast! I haven't been camping yet, need to make some plans
  6. $700 hahaha. Crazy. A good tire fire will produce way more light and heat
  7. I can see why you'd snap off... not easy bringing in a big fish in that spot.
  8. All your photos are great. The second pic really catches! A screensaver for sure. Silly senko walleye, hahhaa
  9. I'm glad it worked out for you Cliff. I can understand why you like knowing that the coverage is available after that!! I'm ok assuming the risk. I don't have a hot water tank, but one thing I should install (or see if I have) is a shut of switch if I lose pressure in my lines.
  10. Ya Steve, I'm essentially half from before, so $880. Mind you, prior to January I was at around $1,200 total until I switched companies due to me being annoyed with them for trying to cancel my auto policy (although they technically were in full right to do so). I left behind a group discount, for a broker, and now I'm back to a group discount.
  11. Actually the deductible doesn't make a huge difference. Water coverage more. Fire is still the most expensive coverage. FIgure they give me 1 million if my house burns, $2,500 is not a big deal.
  12. No sewer backup or flooding coverage. I declined it. I am not connected to any city service and I don't have a sump because I don't need one. The only problem I could have is if the plumbing or an appliance goes on me. I'm willing to take that risk. Well landscaped and drained property is something to appreciate.
  13. Basic vs. basic. 1 mil full coverage on house/contents. 2 Mil liability, 2,500 deductible. No water coverage. Both were essentially the same coverages. The difference is that CUMIS wants clients that are members of a credit union, and the other insurance company, I requested their services.
  14. My dad's been towing for 20 years with those things. He uses it just like a pickup truck, kinda funny to watch actuallyt. They get beat up but they last for years and he pulls what he needs to pull. Nothing too heavy, but tent trailers, loaded utility trailers, sleds etc. I like minivans, I just wouldn't want to own one hahaha.
  15. Based on experience (work), State Farm is a great company to deal with (by comparison) if you have a claim. Some people like to be well insured, others are comfortable otherwise. For me, I have a 2,500 deductible on my house and I told them to shove earthquake insurance and identity theft back up their hard drive. For those who like discount insurance and understand the risks and are part of a Credit Union might be pleasantly surprised with CUMIS.
  16. I have a company vehicle and my wifes car is paid off so PLD only, and a very decent rate. Plus my driver record is, how you say, not very pretty in their eyes (3 smallest speeding tickets possible) so because I live in the same house as her, they will not touch my other car, even if I sign off saying I WON"T TOUCH IT! I don't like using brokers. They are often limited to the major brands and they omit/don't openly offer group discounts. Just an extra layer of 'convenience' and waste of money, like real estate agents imo. I prefer calling insurance companies directly that are seeking clients... like CUMIS was with their flyer. I used a broker this January for the first time ever, and so far I've cancelled two policies because I found cheaper on my own.
  17. parents always have the option of opting out of classes or even home schooling instead.
  18. My company vehicle solved my vehicle insurance woes! You can keep your language police hahaha The broker I used said CUMIS is 20% below their rates for credit union members and that they cannot compete. Good to know.
  19. I bank through a credit union and CUMIS insurance just sent me a letter so I called them for a quote and my home insurance quote was half of the current! Switched right away and saved $800. If you bank with a Credit Union, give them a call for a quote. I bet many will save...and you can spend the money on buffs or trips to Onoman River Resort 1-800-810-2847 I have zero affiliation with these guys, just trying to pass on savings to the good members here.
  20. OI, a lot of small townships/communities are mismanaged in the same way. My inlaws live near Barry's Bay where they get literally no services and their taxes are like $4,000 for 35 acres. There are sand-floor homes, garbage-land properties and you bring your own garbage to the hole which is the dump. They are paying for salaries and administration of nothing, except highly marked-up road maintenance. In my opinion, some of these smaller, very rural communities with high tax ratios and little to no services, should dissolve their municipal governments and operate under local services boards. Now mind you, that option may only be available in Northern Ontario..?? not sure about that. Also, it would require local leadership and volunteers... so good luck with that.
  21. Finally had a chance to properly look this one over. Holy esox that's a lot of pike man. In one trip you may have matched my life-long total! just awesome, and really cool of you to take the time to share it here for us mere mortals!
  22. I've had the pleasure of fishing the hogs trough from the same boat and with the same company. Luck wasn't on our side that day, but for you, wow! What a monster laker!!! I'm so glad Rick invited me last year to the O.R.R., what an awesome place to be and fish!
  23. Same idea for the Managed Forest Tax Incentive Program MFTIP. If you own 10 acres of land or more, you can reduce your land taxes drastically by writing up a forest management plan and getting it approved by the MNR. If you don't plan on developing the all of the land, it's a great option and it's SUPER simple and painless.
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