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Holy **** you need to shop aroundponyboy;1977396 said:It's just one truck but my agent is a good salesman
I done
Holy **** you need to shop aroundponyboy;1977396 said:It's just one truck but my agent is a good salesman
I done
don't you dare try and bring "basic logical reasoning" into this discussionJD Dave;1977421 said:I've plowed all inclusive, salting, plowing and about 75% of my work even includes loader work for 24 years. I've never lost money. It all seems to work out every year. Yes some years can be lean but I know every year I have a set amount of income coming in and the low snow years seem to make up for the big ones. If your a solo operator spreading very little salt it would be pretty much impossible to loose money as your only real expense is fuel and a little more wear and tear. When you get bigger that's when things gets tricky. On edit only the contractor wins with a cap.
My bad,I'll dummy it up just to fit insnocrete;1977429 said:don't you dare try and bring "basic logical reasoning" into this discussion
State Farm.. Great to deal with as well.. They send us nice Christmas presents every year as well..snowplower1;1977419 said:flawless, thats a crazy good insurance if your doing tree too. whos your provider? my dad got outta the tree biz when insurance for it just got too much. ours is a little higher than yours but no tree but our prices here are higher for some reason
3k a month So how many DWI do you have I know guy tried to get Ins And he couldnt afford it. With 2 DWI on his record. They wanted 2k per month So he is riding a bike.ponyboy;1977396 said:It's just one truck but my agent is a good salesman
I done
yeah it must just be because of the difference in regions. when i own the business i want to try to see if i can profit enough with the tree biz and get back into it. i would love doing it and like you said its a great profit margin. I might have to look into state farms insurance around here. thanks!Flawless440;1977441 said:State Farm.. Great to deal with as well.. They send us nice Christmas presents every year as well..
Cost of living is way low here in C-Bus, i know that plays a huge part in insurance rates..
I would never get out of tree service. 2nd best profit margin behind snow removal.
Two more seasons and i have my big dog chipper paid off. Bucket was paid off last season.
I'm not buying half of what you've posted in this thread and it'd be nice if you would actually answer the question of how a cap benefits the customerponyboy;1977385 said:Also I pay over $3000 a month just for car insurance have not had a claim in over seven years I don't get money back and I still feel it's fair
Before you said 3k on one truck per monthponyboy;1977491 said:Insurance just left State Farm to switch to a different company that is cheaper farm family
I have 15 trucks 2 cars and an umbrella policy no Bentley but wife car is an AMG
1truck was a jokeAntlerart06;1977494 said:Before you said 3k on one truck per month
Now you say 15 trucks and 2 cars
Which is it
State Farm here too. 200/month 3 vehicles 2 mil general liability.Flawless440;1977441 said:State Farm.. Great to deal with as well.. They send us nice Christmas presents every year as well..
Cost of living is way low here in C-Bus, i know that plays a huge part in insurance rates..
I would never get out of tree service. 2nd best profit margin behind snow removal.
Two more seasons and i have my big dog chipper paid off. Bucket was paid off last season.
What bashing,finally someone with a brain!You're close to my thinking.I really didn't want to answer this.Look at it this way, the basic one price seasonal is priced to take in account a bad year,the proof of this is everyone saying they still make money when it snows more than average.So the price of a seasonal with cap is lower than standard seasonal,why? because he knows if snowfall is over cap he will still get paid for work,client isn't getting "ripped off",he's paying for services rendered.In a low snowfall year the basic seasonal client is getting"ripped off" by contractor who's making more money because he's plowing less.The cap seasonal has lower base price because the cap is his ins. so client pays less that year. And think hard about this,2 accounts bid both ways will actually come out very close in price over a couple year time frame! And one last point,If one price seasonals are fair for all,why would a year with more snow equate with higher seasonal prices? That actually works out against the seasonal argument,unless you're looking to ripoff you're clients! Oarwhat,send me a pm and I'll send out a special prize to you!oarwhat;1977556 said:This is how a seasonal with a cap works in my opinion.
Let's say your area plows 20 times a year on average and the lot is worth $10,000.
You agree to plow the lot 15 times for $7,500 and $500 per push after that. (or by the hour, inch or whatever)
So in a light year you're guaranteed $7,500 and the customer saves $2500. If it's per push who knows what you get.
In a normal or heavy year you get paid what you're supposed to get and the customer pays the normal price.
This is a win win for both sides. Okay let the bashing begin.
Snow removal has always been sold as the deeper the snow the more work involved so the price has to be higher.peteo1;1977471 said:I'm not buying half of what you've posted in this thread and it'd be nice if you would actually answer the question of how a cap benefits the customer
finally - something that makes sense. however, i would not consider this to be a "seasonal" - this is a contract where both parties agree to pay for 15 pushes (whether or not that number is actually reached, and then a set amount per push thereafter. now if that is what people consider a "seasonal with a cap" to be, then i see the benefit to both sides if annual average is 20 pushes. but i really think using the term "seasonal" here is a misnomer. regardless, as a customer i would still be looking for a true seasonal, or a per push arrangement.oarwhat;1977556 said:This is how a seasonal with a cap works in my opinion.
Let's say your area plows 20 times a year on average and the lot is worth $10,000.
You agree to plow the lot 15 times for $7,500 and $500 per push after that. (or by the hour, inch or whatever)
So in a light year you're guaranteed $7,500 and the customer saves $2500. If it's per push who knows what you get.
In a normal or heavy year you get paid what you're supposed to get and the customer pays the normal price.
This is a win win for both sides. Okay let the bashing begin.