[K3pzn-board] Total Premium

Thu, 18 Dec 2003 16:10:06 -0500

I think a couple of chicken lobsters would be real nice at Field Day.  All you 
need is boiling water and some melted butter!

John

Quoting Keith Krichinsky <[email protected]>:

> 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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