[K3pzn-board] Total Premium
Keith Krichinsky
[email protected]
Thu, 18 Dec 2003 15:24:51 -0500
I agree. Now if it was $1.50 per $1000, that would be a different story!
Besides, what are the odds thet we would loose all of the equipment in any
given year anyway? I mean one piece, sure. Two pieces, possibly. Three or
more....I don't think so! We should be able to be "self insuring" for the
replacement cost of one or two pieces of gear, even if we have a bad year
financially. Isn't that what our CD is for?
The economy is on the upswing. We are doing what we can to generate new
members (free HAM 101 classes, once it's ready we'll be taking our radio
truck out to local hamfests). Our revenue is up thanks to well publicized
and ARRL sanctioned events. We have made it through the 'dark times' and
are looking forward to a bright and prosperous new era in ham radio. The
CCARC is one of the best run clubs around. I'm sure we can find a better
way to spend $1000 per year! (Let's invest it into more food for Field
Day..... lobsters, anyone? Okay, I 'm kidding.)
There I go again being overly optomistic......
73's: Keith Krichinsky, KB3HHK
----Original Message Follows----
From: "John Chesley" <[email protected]>
Reply-To: [email protected]
To: <[email protected]>
Subject: RE: [K3pzn-board] Total Premium
Date: Thu, 18 Dec 2003 13:46:23 -0500
Frank et al:
We priced the repeaters at full new list price and included every
possible piece we would need.
My feeling is the repeaters, although of major importance are more
"secure" than our regular equipment. Over the years, it will probably
not be worth $1000 per year given what we will get out of this. We are
betting big time against ourselves and can not afford it anyway.
I think we should just insure our regular equipment and take the hit
when we need it on the repeaters. You have stated that it can be done
far cheaper. I agree. I also agree that after years of paying $1000 we
can buy a LOT of equipment!!
I would rather only insure a few items and take the chance on other
things. After all, it is only equipment. We are not talking about
health insurance here.
John
-----Original Message-----
From: [email protected]
[mailto:[email protected]] On Behalf Of Frank Rodski
Sent: Thursday, December 18, 2003 12:02 PM
To: [email protected]
Subject: RE: [K3pzn-board] Total Premium
Good Morning Guys:
Last night I though the figures we came up with were a little high and
the
insurance would be out of sight. Unfortunately I was ill and didn't make
the
meeting this was discussed. Obviously, considering everything else, this
is
a prohibitive amount. Wait until we have to insure the van and its
equipment.
If we haven't, we need to see what the implication of this evaluation is
relative to personal property taxes.
We probably evaluated the 2 meter repeater based on a brand new Motorola
replacement. When I was Repeater Committee Chairman, I did the same but
I
don't think feed line and antennas were insurable back then. But, as I
believed back then and I still believe today that we could put a
repeater
together for a whole lot less. How do I know that ... because we did it
the
way most clubs do it, or at least used to do it. Kluge receivers,
transmitters, power amps, preamps and controllers into a repeater the
way we
have several times in the past. The problem here is I sense the members
are
not will to spend the time we did back then and are more appliance
operators. I have had no formal electronics training but I participated
in
the building of several repeaters and a couple pretty much myself
including
having designed and built the repeater controller and all the audio
boards.
Now am I trying to sing the praises of K3MTT, no, what I am trying to
say
that I can do it ... anyone with an ounce of brains (cause that's all I
got)
and the drive to do it ... can. Believe me, HAM radio was a lot more
fun
for me when we were building our own repeaters etc.
Anyhow, maybe we need to change the way we have evaluated our repeaters.
Replacement cost doesn't d mean what we paid for it or even what its
cost
is today. It means replacing all or part with a FUNCTIONAL EQUIVALENT.
In
all the years I have operating, I have lost only one feed line to
lightning.
Given the risk, I am son that risk assessment, we may have to not insure
some items or undervalue some. Again, if we drop antennas, feed line
and
evaluate based on a used replacement price, the insurance cost should be
more realistic.
Maybe the Club ought to do a mini risk analysis and determine our
insurable
amount based on risk and on used/hamfest prices with club members labor
discounted. This may be more realistic method to come up with amount.
Do we have a spreadsheet listing the equipment and the values placed on
each
item. I would like to get a copy to review.
Frank K3MTT
-----Original Message-----ew
From: [email protected]
[mailto:[email protected]]On Behalf Of John Chesley
Sent: Thursday, December 18, 2003 9:35 AM
To: [email protected]
Subject: [K3pzn-board] Total Premium
Guys:
The total yearly premium including the Admin fee is $997.41. The
coverage cost is $1.50 per $100 plus $7 Admin fee.
While this is a lot more than we planned, it seems logical for over $66K
of coverage.
Let me know your comments.
Thanks.
John
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