Spiderman

A return to normal!

Agree 100%.

Everybody is different. I am also a person who believes you need to have the money to play - but there is people who have a different take on that even. I know lots of people who have every single toy imagineable - they make their monthly payments and guess what - they can afford to do that - so they get to enjoy life that way - it works for them. Financial security is nice idea -and you should strive for it - but I wouldn't miss out on things in life because you can't "pay in cash" for it - you'll die one day - and hopefully be very old - but I have seen WAY too many people go early and never really enjoy the fruits of anything. I am going for balance - saving for a future - but not at the expense of not enjoying today - frig that.

There is an admin fee - big deal. 0% interest is just that. Car dealers have been doing it forever - and they play the game that you'll trade in and they make their money back on on the used vehicle. Like I said - you're making more interest on that cash in a regular savings account then you're paying on that loan. Sometimes paying "cash" is not the answer to things. There is lots of money to be made keeping yours with you - paying cash over a 0% loan is better for others than you.

Except at 0% - other than the 5 years - you're fool to give away that money. You're better off keeping your cash and earning interest and using their money for free. It's the 5 years I wouldn't like.

5 years financing on a snowmobile?

A few days later you went to get it? You shouldn't be surprised it's gone. Post some pics - but it's been parted out long ago.

bottom line, if you're an Ontario resident, you're entitled to healthcare, there is no moral judgement involved - no matter who you think you are.

They're still a few of them out there too. It's great. Either way, kudo's to any dealer out there - it's a tough business in the best of times, we need each other.

it's tricky. You want to make a sale/dollar - have the item in stock. People can order from anywhere - you want them to get it from you.

It also seems to me the best dealers for service are the ones who aren't afraid to fill their own shelves with parts and inventory - rather than waiting until a "purchase" is made and they order from the distribution centres. Love being able to walk into a place and here "yeah, I got that, hold on" - instead of let me order, order, order. Back in the day, dealers had much more in their own stores.

Our first dealer ended their relationship with Polaris over forced units. Long story short - dealer put his order in - Polaris said - nope - you're taking this many units - and these specific units on top of your order - dealer said nope - I'll take my order or nothing - nothing it was - end of relationship I believe to be BRP these days - you have to have so many sq/ft - and highway side visual.

Can't say I've had any real terrible experiences, maybe we're lucky? 1. Quinlans - Polaris - they always treated our family tremendously, good pricing on new units, good value on trades, would drop anything to help us out. No longer in business. 2. Jansenns - Polaris- Went there after Quinlans closed up shop - one of the guys there worked at a marina on our lake, was a great guy - like Quinlans, always treated us well and were fair and good to deal with. Called Northgate now I think? 3. Performance Recreation - Polaris - moved there after Jansenns - this one came to down to $ - they offered me a much better dollar on a trade in - so much so I could not refuse the deal. I'm not a real dollars and cents guy - but this one only made too much financial sense at the time. Top notch people in there for me. Still in business 4. ATC - Cat - I bought my 2012 with a little over 100 miles on it from a kid that worked at a Cat dealership in Exeter. They are too far in the wrong direction for me to use regularly - so I picked it up - took it to ATC to get gone over, have some accessories put on - and we left for a trip. Super easy to deal with - did all warranty updates - treated me well. No longer in business 5. Carlsons - Cat - been taking my Cat there for service since ATC shut the doors, always been good - work done on time - no bullshit - you get what you paid for - nothing done without you knowing and okaying it - I've been happy with them and have no complaints. My folks use Rickwards for their Polaris needs - they are very happy there as well. No nightmares for me to speak of, have called a few places for pricing every now and again - but that's about it.

If someone wants to steal my Cat, I won't get in the way.

Great job as usual by everyone that keeps us all on the snow and going. Challenging year to say the least - but like every other year, those of you doing the heavy lifting always seem to just get it done and we are a very lucky group who get to enjoy the fruits of those labors. Stay safe everyone and have a great summer.

If it's a catastrophic injury, the long terms costs and expenses far outweigh the initial - and most of that is through your SABS - subject to your limits and what coverages you purchased, fault etc. It's not that simple. https://www.health.gov.on.ca/en/public/publications/ohip/motorvehicle.aspx

Agreed, and of course they should, if they're a resident who is covered under OHIP and it's required medical treatment, then YES..... regardless of what the holier than thou finger pointers think. If you're fat and eat like crap, should we cover stints and by-pass surgeries?

Yes, there is the basic SABS coverage - and then an option to purchase up/more. When they did the auto reform - you may recall when they were going to "lower insurance rates", all they did was remove a whole bunch of the standard coverage - and then turned around an offered as as additional coverage - with a charge. What happened was - you are now paying quite a bit more - for the exact same coverage you used to have - for a lower premium. Not sure about the turbans - but in tort - if you are not wearing a helmet when you "should" be - it can reduce the liability exposure and be considered contributory on the non helmet wearer.

Yes, but that is separate privately purchased coverage - not coverage via OHIP - which everyone pays into - and everyone is entitled to - whether you like it or not - that is Ontario. OHIP have subrogated rights here too fyi. And, just for arguments sake, understand that those who judge and take ambulances for nominal reasons in car accidents - those fees are paid back by the insurer - just an fyi.

Yes, exactly, therefore you could control this at the insurance level if they so chose to do so. People seem to forget motorcycles are under an OAP when on the road, which there are Accident Benefits prescribed.

In theory that sounds great - but it would never work and there is no way you could implement that. If the person pays taxes - they've paid for the medical coverage. Further, they have benefits available to them under their insurance policy. Perhaps - that is where coverage could be limited and restricted. If you smoke, eat poorly etc., or make what are otherwise deemed to be poor lifestyle choices, you don't get to pick and choose what medical you get.

Helmets on sleds keep you warm. For riding motorcycles in the summer on the roads - I'm in full support of freedom of choice. I think it's great those freedoms still exist and people are allowed to decide for themselves.

Nothing for me again. Was hoping with hockey season taking a hit this year I'd have more time to ride - yet strangely because of Covid and my riding situation - I rode the least I have in my entire life........ Sooooo, the 2012 Cat remains until my kid is done with sports. Great looking sleds everyone - lots of great iron to choose from too. Enjoy

Yup, was in Langton area yesterday - 2 weeks ago - sleds ripping around on the trails - yesterday - not a flake of snow/base - or anything winter related to be seen. Crazy how fast it goes.