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Costacat
Member
07-15-2000
| Tuesday, June 01, 2010 - 1:49 pm
It's really difficult to provide an estimate over the phone, without actually seeing it. But if it's across three panels, yeah, that could be right. They'd have to fill, sand, and repaint the panels, right? Why didn't he take it in himself? At least to a dealer to get an idea... Or file a claim with your insurance...
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Kitt
Member
09-06-2000
| Tuesday, June 01, 2010 - 3:21 pm
He took it to the dealer on the way into work, the dealer said they didn't do it but any body shop should. That's why we thought it wouldn't be that expensive, because the dealer guy didn't act like it was a big deal. We were thinking it could be buffed out somehow, rather than repainted. I guess the $1000-$1500 is for the repainting, then, which may or may not need to be done. I'm not feeling so forgiving to the idiot who keyed it now.
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Kitt
Member
09-06-2000
| Tuesday, June 01, 2010 - 3:34 pm
Does anyone know if claiming something like that on the insurance increases your insurance premiums (a little, a lot?) if it does need the panels repainted?
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Costacat
Member
07-15-2000
| Tuesday, June 01, 2010 - 4:20 pm
You generally have to paint the entire panel, not just the little strip where the scratch is. As for your premiums, it depends on how much it costs. What I would do is take it to a couple of body shops and get estimates (make sure to get at least two). Then check what your comp deductible is. If the difference between the two (the lowest estimate minus your deductible) is something you can live with, I'd just go ahead and get it fixed and not file a claim. If, however, it's not something you can afford, then you will need to file a claim but be prepared that you will need to pay the deductible. I don't know what insurance company you use. Some of them will require that you get your own estimates. Some of them will require that one of their adjusters looks at, and estimates, the repair costs, and that's how much they will pay on the claim. So your first step, get those estimates. And then you can start to think about what to do. You may also want to call your agent to find out how they handle comp claims. ETA: Yes, I used to work for State Farm in another lifetime. 
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Kitt
Member
09-06-2000
| Tuesday, June 01, 2010 - 4:34 pm
Thank you so much for your replies, that's very helpful! Dh got his first estimate (coincidentally from a Geico place (we have Geico insurance)) and they said $2016 because of the shiny silver paint. We've been with Geico for nine or maybe 10 years now, and never claimed anything, so I hope they will be kind. Insurance is $330 per six months on that car, with a $200 deductible.
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Julieboo
Member
02-05-2002
| Tuesday, June 01, 2010 - 5:24 pm
Anyone know if those clip on OFF things really work? The mosquitoes are already killer up here.
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Costacat
Member
07-15-2000
| Tuesday, June 01, 2010 - 5:30 pm
You're welcome, Kitt. You've got a pretty low deductible, so then your next decision is do you want to go ahead and file a claim. That's a relatively small one, and if you've never had any claims before, I doubt if they'll raise your insurance. You may want to call your agent, though, and see what he says. He'll have a better idea of what Geico's policies are like with raising premiums when claims are filed. On the plus side, this is a comprehensive claim, so insurers are less likely to raise premiums. Unless, of course, the car was stolen and you live in a high risk 'hood! 
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Rissa
Member
03-19-2006
| Wednesday, June 02, 2010 - 6:57 am
I have never used them in isolation Julie so can't really answer. I put one on each ankle and each wrist when I used to mow the lawn at our old acreage (I smell great to the little biters so tend to go overboard with the precautions). My understanding is that they work but only for very short distances around the band itself.
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Cwcoop
Member
04-19-2008
| Wednesday, June 02, 2010 - 3:03 pm
Julie, DH says not to bother with them. The spray or lotion works just as well. Keep your skeeters over in your neck of the woods mmissy.LOL Reminds me of living in Alaska - they have a joke that the mosquito is the offical state bird. LOL. They are HUGE up there, so I can see the bright side of being back down here...
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Cwcoop
Member
04-19-2008
| Wednesday, June 02, 2010 - 3:08 pm
Oh and Julie - was just thinking of you and Abby the other day. Hope you and the whole fam are doing well.
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Escapee
Member
06-15-2004
| Thursday, June 03, 2010 - 7:30 am
Ok, need some more school help. By the way, didn't do good on the last one. She said I didn't have enough information. Told ya I hated that instructor. I still have a B in the class but holy crackerjax she's picky. Anyway, this is for ethics. I am looking for some of the major issues facing Native Americans today. I have found some random little things on websites, but would like more mainstream news. I know that people here always have the inside track on news, so any topics would be great.
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Tishala
Member
08-01-2000
| Thursday, June 03, 2010 - 7:34 am
1. Health care, especially diabetes 2. Alcohol addiction 3. Tribal sovereignty issues 4. Questions of authenticity 5. Economic opportunity
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Costacat
Member
07-15-2000
| Thursday, June 03, 2010 - 8:00 am
I think Tish's #2, 3, and 4 are definitely "must have's." Other issues could resolve around sudden economic wealth or change in status... many reservations with casinos now pay stipends and it can be a lot of money.
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Escapee
Member
06-15-2004
| Thursday, June 03, 2010 - 8:26 am
The other part of this is: Identify linked legislation/comprehensive explanation of connection.
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Karen
Member
09-06-2004
| Thursday, June 03, 2010 - 11:29 am
Sorry, Escapee, I have no input, but I do have a pretty dumb question: Can I wear a bikini to an Aquafit class (water aerobics)? I'm three months pregnant and barely showing; I'm nervous about 1) appropriateness of a bikini for exercise and 2) not looking pregnant enough for others to know, so they'll just think I'm desperate to still look like I have my 19-yo body.
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Juju2bigdog
Member
10-27-2000
| Thursday, June 03, 2010 - 11:51 am
Karen - Well, maybe you should tell the instructor in confidence that you are pregnant, just in case that matters, but also tell her that you are not announcing it to the general public yet. And then if the instructor is female, you can also ask her if there is any reason not to wear a bkinin for the class. I don't see why you shouldn't. It will soon become apparent that you are pregnant, and you will likely know when not to wear the bikini anymore, like when your belly is pushing it down off your hips. That is the only reason I can think not to wear the bikini, because what other people think is not relevant to goddesses. Oh, and for Escapee, I just read a VERY big issue for Native Americans lately, and can't remember exactly what it is about, but it involves the Federal guvmint managing some program on behalf of native americans and not paying them what they are owed, in fact not even allowing them to have any information about the process, and some female native american has been suing the fed guv on the point for YEARS and either has just won it or is about to win it, and it is HUGE. Maybe somebody else here will remember enough more details that you can look it up.
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Kitt
Member
09-06-2000
| Thursday, June 03, 2010 - 11:54 am
As long as you're comfortable jumping up and down in a bikini with possibly your top half out of the water (depending on the depth of where you end up in the pool - if it's a full class you might end up having to stand at the shallow end) I don't think there's anything wrong with it. I did it for a few years and a few did wear bikinis, although they were quite covered up ones, not tiny bikinis. Hopefully you'll be under the water up to about your armpit level, so it won't matter anyway.
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Escapee
Member
06-15-2004
| Thursday, June 03, 2010 - 12:15 pm
I chose health care, since it's 1 current issue. With Obama's current health plan it alots 35 million over the next 10 years to improve tribal reservation facilities and medical education
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Seamonkey
Moderator
09-07-2000
| Thursday, June 03, 2010 - 12:20 pm
Karen, you in a bikini, likely to be just fine.. me, on the other hand, that would be the cause of people fleeing.. ack.. even though I can't really afford it, I went back and re-joined Curves today. Did get her to waive the initiation fee and cut down on the price, though I'm sure she has room for negotiation. Sadly, the former owner, who I really liked, had died since the last time I talked to her a couple of years ago Anyway.. I have a long way to go to partially reclaim my body. That class sounds perfect for you and the baby! ===== Escapee.. I'm thinking that dealing with depression is a big issue and also fetal alcohol syndrome, due to Tisha's #2 issue. One of my friends in high school times was half Osage and his dad was an alcoholic, as was my friend. He described the situation when they were in Oklahoma and said it was not a myth that they got so much oil money all at once that people would literally buy a big car and drive it until it ran out of gas. But there were major issues with this sudden influx of money and then just sitting around and having no motivation. The friend got hooked on speed, pot, etc at Berkeley and only because his dad hired a really powerful attorney did he avoid more jail/prison time. He was such a smart guy and sweet except when he was on stuff.. and shooting up speed bought him hepatitis too. At least then he went home and got cleaned up, but last I heard he still had problems with alcohol.
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Seamonkey
Moderator
09-07-2000
| Thursday, June 03, 2010 - 12:23 pm
Ooops, posting at the same time.. health care is a good one and be sure to investigate to what extent that covers psych issues and addictions, because if it doesn't the rest won't really help any adults and even great children's health care won't help the kids born with fetal alcohol syndrome and that is a HUGE deal.
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Costacat
Member
07-15-2000
| Thursday, June 03, 2010 - 12:52 pm
Karen, the only issue with a bikini in any water classes is, well, how secure is the bikini? If you are using any equipment, you may not always have a hand ready to hike up the bottoms or adjust the top. I seem to recall spending an inordinate amount of time in my last water class, trying to keep everything where it belonged! (Then again, it was a teeny bikini so that may have been part of the problem! LOL!) Generally, there are no "rules" for what to wear. Just be comfy. If you're gonna be concerned or feel uncomfortable wearing a bikini, then wear a one-piece. Or a tee over the bikini. Sea, I've about given up on Curves. I, apparently, want to be better toned than what Curves can give me. And in better shape. I've been working out with a personal trainer 3X a week for the past 6 weeks, and I'm getting my abs back! Among other things, losing a couple of inches and getting nicely toned with increased flexibility. So I'm about to ditch my Curves membership (even tho it's the early cheapie fee) and stick with Pilates and my personal trainer. Who willingly kicks my butt but it's working! Other than that, if you're worried about the baby bump, girl, just go for it! People are no longer hiding baby bumps these days!
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Karen
Member
09-06-2004
| Thursday, June 03, 2010 - 1:29 pm
Thanks for all the responses. I just got home from the class - in my two-piece (it's not a teeny tiny bikini) and it was awesome. I did the deep water class so you're completely up to your neck anyways. I was mostly worried about all the horror stories of grumpy old ladies in those classes and whatever opinions they might have of me, lol. But the average age of this class seemed to be about 35, and I was not the only one in a two piece. I went today for a one-time drop in class, and picked up a 3 month flex-pass (good anytime, for pool, fitness, yoga, etc.) on my way out. Much fun! As for showing off the bump, I can't wait until it actually looks like a baby bump that I can show off. Right now, it just looks like I had a few too many donuts for breakfast and that I'm bloated. 
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Seamonkey
Moderator
09-07-2000
| Thursday, June 03, 2010 - 1:35 pm
Costa, I can see where you may be beyond Curves by now.. back when I was going 5 days a week and doing the circuit twice and hard, I was also going 2-3 times a week to a circuit training class at the senior center (now they cancelled that and charge for all classes) AND doing longevity stick two mornings a week (that is all about balance and flexibility) but then I stopped going to all of them for a year or so, was really depressed, then cancelled them .. and then got the cancer dx, had surgery, had to wait to be able to workout but meanwhile I started driving patients which exercises the heart and soul but it is still sitting and driving, sitting and waiting.. so I'm in terrible shape and Curves will be excellent at least for the 13 month deal I signed for. And since I'm dressed and out most days of the week and driving, I should be able to get into the routine of stopping there on the way home or between patients. So at the end of the 13 months I'll re-evaluate. But my current state could be helped even by walking so doing the Curves circuit will be quite good in terms of inches, body fat, core strength, etc. But for you, definitely I can see the need for more. The new owner was showing all the "new" machines.. ones they didn't use to have.. but I had to tell her that since I had gone to Curves while out of town.. Fairfield, Napa, Tucson, Cambridge and Revere, Mass, I'd actually seen all those machines several years ago.. If I get fitter I can go back to the senior center where you pay by the visit or a monthly fee.. they do have some neat machines and at least an elliptical and a couple of treadmills, so I could add that in.. but yikes I have to get fitter first.
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Costacat
Member
07-15-2000
| Thursday, June 03, 2010 - 1:40 pm
Sea, didya stop and take a breath anywhere in the middle of that LOOOOONG sentence in your first paragraph? LMAO!!!! Yeah, now that I've recovered from my car accident and the resulting two surgeries, I'm damned and determined to be hot in my itty bitty bikini while on Maui this summer! And Karen, LOL!! Itty bitty bikinis don't work when you're really trying to exercise, but a two-piece would definitely stay up better. And I certainly wouldn't care about what nasty old ladies may think... they're just jealous! And probably jealous even if you DO look like you've eaten one too many donuts! ;)
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Escapee
Member
06-15-2004
| Thursday, June 03, 2010 - 1:46 pm
Here is the next one: o Money acts as a unit of account, medium of exchange, or a store of value. Describe each of these different functions. o Provide an example of your use of money in each of these different functions.
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