Conference 7.286::digital

    I do not pay my homeowner's insurance premiums through payroll
    deductions.  My insurance agent is my Son.  I can't say what he
    can do, but if you call him and tell him I referred you, he will
    treat you honestly and be as helpful as he can.  He is a 
    representative of Liberty Mutual and works in their Fresno office.
    You may reach him using a (800) number, which I will supply if you
    contact me directly.  I'd put it here but don't think I should
    use this media for advertising.  DTN531-3767 or labc::mcclusky or
    @LAO.  Moderator, if this is improper, please delete.

    re: .0
    
    Cherie,  do you have a loan on your home or do you own it outright?
    If you have a loan, you can have it paid through them and it will be
    accrued from your housepayment on a monthly basis.  That's how most
    people I know do it.
    
    Bob

    
    Bob,
    
    We do not own the place we live in, we rent it.  The coverage we
    had from Metropolitan was for everything contained in the house, not
    the structure itself (which is insured by the landlord).  Met
    called this policy a "homeowners" even though we do not own it.
    
    Regards,
    Cherie

    Since Metropolitan got our business through its deal with DEC, and
    since getting the discount and payroll deductions were a corporate
    benefit, I would expect DEC to address the Met withdrawal.  I've
    sent mail to the highest-level personnel person I know for my
    group, and I think other people should push on their personnel
    groups to work with corporate personnel & benefits to
    find a replacement insurance company.
    
    
    Nina

    
    
    Nina,
    
    I agree with what you've said and will elevate this through
    Personnel.
    
    Thanks for the suggestion.
    
    Regards,
    Cherie

    
>
>    If you have a loan, you can have it paid through them and it will be
>    accrued from your housepayment on a monthly basis.  That's how most
>    people I know do it.
>
    Not actually by choice.  Lenders usually require that escrows be 
    established if you have less than 20% equity when the loan is approved.
    And usually you can't back out unless you have an agreeable lender.
    This issues has sparked hot debate in congress because of pending 
    legislation requiring lenders to pay interest on the escrow impound
    accounts.  These accounts now hold billions of dollars and in most
    cases provide a large sum of interest free deposits for banks (to 
    buy junk bonds, etc.)
    
    

    Re .6
    
    Well there is ONE good thing about the Peoples Republic of
    Taxachusetts. Mortgage lenders have to pay 5% interest on the escrow
    account if you live in Taxachusetts, even if the mortgage holder is
    outside of Taxachusetts.
    
    Dave

I'm SICK of seeing "taxachusetts" plastered everywhere in this notes file.
Our share of just the S&L bailout alone is more than the whole state
budget deficit.  To say nothing of "star wars".
So when there's no money left for our kids' education and repairing the bridges
before they collapse out from under our cars, don't blame it on the state.

Let's please leave the Massachusetts bashing out of here.

    RE:      <<< Note 1067.8 by CSSE32::MERMELL "window pain" >>>
   
>I'm SICK of seeing "taxachusetts" plastered everywhere in this notes file.
    
         WHAT?  Do you mean it's not a cute and clever term anymore???
    
                                    Greg

That's right - the Union Bleeder (er, ah, I mean Leader) out of New Hampshire
is now using "Masstaxes" when referring to the P. R. of M.

-Glenn-

Could the moderators step in and demand an end to the gratuitous
Massachusetts-bashing? (And delete replies that don't comply?)

To the bashers: Please take such sniping, boasting about your state's
tax levels, etc., to a forum such as SOAPBOX. Those comments are
completely irrelevant to the DIGITAL conference and are (or should be)
inappropriate to the type of discussion carried out here. Andy (.8) is
not the only one annoyed by your attempts at wit.

RE: .11
>Could the moderators step in and demand an end to the gratuitous
>Massachusetts-bashing? (And delete replies that don't comply?)

Are you suggesting that any notes the poke fun of the land of Mike,
Teddy, and Tip be deleted?   Does that mean all notes that include a
sarcastic permutation of the letters M-a-s-s-a-c-h-u-s-e-t-t-s or
are notes that refer to such things as "The People's Republic" even
though they do not contain direct references to MA included also?

Chill out you guys.  "(And delete replies that don't comply?)" sounds
like pure censorship.  If that is the prevailing opinion in MA then the
term "People's Republic" is completely deserved.

John
Located in the Garbage State

    
    
    Ummmm...hate to be a killjoy, but does anyone have anything to
    add to the subject of this note - California employees being
    dumped by Metpay?
    
    Just to update, I have sent messages to my Personnel Rep who
    has very nicely ignored my requests to look into this.  I
    guess we're on our own.
    
    Cherie

    It looks so far as though the folks being terminated for coverage by
    METPAY are in Southern California.  Has anyone outside of the greater
    LA area been notified of such a termination of coverage? 
    
    /s/still_paying_my_weekly_premium_up_in_Northern_California

    no

    
    I called Metpay yesterday to find out the scoop.  They are no
    longer going to start new homeowners or auto policies in the
    ENTIRE state of California.  Any policies that you currently
    have will be honored until the expiration date and will not
    be renewed.
    
    You should've received a letter in the mail from Metropolitan
    a couple months ago.  At that time they had determined that they
    would no longer carry automobile policies in the state of CA,
    but were undecided about homeowners policies.  They have since
    decided to stop offering homeowners as well in CA.
    
    If you need clarification I would strongly suggest you contact
    Metropolitan.  The number is (800)422-4272.
    
    Cherie
                                              

    
    	True, I live in Northern California and my policy expires at
    	the end of October and will not be renewed.  I've only made
    	one claim with Met in the 11 years I've been covered by them,
    	and they handled it well.  Their rate was higher than most
    	in Colorado, but it was actually cheaper than what I've
    	found to replace them here in California.
    
    	I got a few letters from them, starting back in July I
    	believe.  Going with Farmers now.  They offer an alternative
    	to the payroll deduction (at least here they do).  They will
    	make an automatic withdrawal from your checking account on
    	a monthly basis.  I have auto-deposit at my bank and now
    	I'm trying to find out if I can split accounts so Farmer's
    	has access only to the money due them.
    
    	Change is inevitable.
    
    	-rick