Why not donate them to the church rummage sale and get the tax write-off?

Call your insurance agent and ask whether your policy covers the furs at replacement cost, or whether you'd just get their current market value. If all you'd get is the market value, it's doubtful that the insurance makes sense at this point; on the other hand, if this policy covers replacement cost, the insurance might be worthwhile. You just have to look at what the insurance is costing you next to what they'd pay out to you if the furs were stolen or destroyed, and make a judgment as to whether you'd rather assume the risk yourself or pay an insurance company to assume it for you.

Thanks for your replys.I will read the policy and see what it says.My coats are 15years old but still good .They are like part of my family.Donate to charity?No way!! Who buys new furs at srventy four?I will either keep paying or take my chances.

Call my agent and he all but told me the policy has outlived the coats and it was up to me if I wanted to keep the policy.They would only give me what they are worth and fur deprciate fast.Thanks for your advice Ican use the money elswhere.Goldy

I'm glad it was helpful, and I think you made the right decision. If all they are going to give you is the current value, the insurance is not a very good deal. Of course, in a case like this, since the furs have sentimental as well as monetary value, another consideration is that money couldn't really replace them anyhow.

Goldy -- don't forget that you need to have faith. Go ahead and donate those coats. Who needs three of them, anyway, especially at age 74?

Or maybe consider donating them to PETA or your local humane society? They can use them in educational seminars teaching about the inherant cruelty that goes with the fur business.

Karen

Well, these are already dead, so PETA can't bring them back. And Goldy said they were important to her and had sentimental value, so I really don't understand the advice to give them away.

In another thread, Goldy advised Alisande that the best way to budget her income is first to give 10% of it to the church. I thought maybe the same logic should apply to the fur coats.

maybe she already GAVE her 10% of her income to the church.

Even if you firmly believe in tithing (which I do), you are entitled to the 90% that remains, you know; God intends you to have it and use it. You're supposed to give 10% of your INCOME to the church, not 10% of all you own)

Goldy's problem isn't that she minds owning the coats. She loves owning the coats. Sorry, Karen.

Hi, all,

... you mean, if I give God that 10% that some seem to think is required (which I think would be easier on annual income of $100,000. than of $20,000.) ...

... I can do whatever I darn well please with the rest?

Seems to me that if I am fully committed to serving God/Christ, I'd need to ask whether every potential use of each dollar in my/our/His/Her possession were appropriate from His/Her point of view.

And my time, talents, skills, etc., as well.

Which, of course, none of us does perfectly.

In a similar vein, I don't think that I should have a very different lifestyle on Sunday and through the rest of the week - seems to me that my life shuld be consistent, all of a piece, integrated.

Not part sacred and part secular.

Have yourself a great week, all.

joyful guy

Karen

But who could possibly know what God intends anyone to have and to use? Ed (I believe he's an ordained minister) admits he doesn't. and I can tell you that I sure don't.

Or, as Alisande put it, some people "find faith and spirituality have so little to do with money that we find it hard to discuss both matters in the same conversation."

That makes so much sense to me that I believe I will officially withdraw my suggestion to Goldy. May she keep and wear those coats in peace and joy!

True, Ed, but trying always to follow God's will doesn't mean you shouldn't enjoy the blessings he gives you. God does not require his followers to impoverish themselves or to deny themselves all enjoyment, even in material things.

The problem w/ enjoying material things comes when one ceases to recognize that they are a gift from God. And when the preservation of material things becomes one's goal.

Maxwell: You addressed your note to Karen, but I think you meant to address it to me? I ended my note "sorry, Karen" because I was addressing her concern about the fur trade, and PETA, etc. Perhaps you thought that was my signature. (I'm Talley Sue)

I agree, it's not that easy for anyone to know what God intends them to do w/ what he gives them. Therefore it's doubly hard for someone else to know what God intends for Goldy.

I'm glad you've retracted your suggestion.

I have a philosophy on the tithe, and how it realigns our values (where your money is, there your heart is also), and how the percentage business it intended to make it easier, and sorry Ed, but I do believe that God will make sure those who tithe don't suffer for it. Not necessarily that they'll be materially rich, but that they will have what they need.

I once gave a speech at my church about how tithing, for me, is a major express and confirmation of my faith in a living God who will intervene directly in my life when I need him.

(I do agree w/ Ed that part of how God blesses us is by giving us a brain to use in taking care of ourselves)

You're right, Talley Sue. I got confused with the Karen business. Sorry.

Don't forget though, that it's also "doubly hard" for Goldy to know what God intends for Alisande, the actual point I was trying to make in my suggestion to Goldy.

Goldy, Are you there? Hope you had wonderful years since you started this thread. Just saw this thread. I don't pay insurance on my furs, don't have the expensive fur-sable/fisher/martin. I keep my furs with me all the time.

Really?!!

You resurrected a 12 year old thread in the household finances section to add nothing substantial.

Because I want to, and I can!

it's educational for other fur coat owners. If you have more than 10 years old furs, there is no need to pay insurance for them, unless you have a sable coat. It's an unnecessary expense. Fur is back. Goldy posted a very good question.

Then start a new thread...

It is bad forum etiquette to post to a 12 year old thread. This is not just because we don't like it, the reason is, that these forums are filled with individuals who have a desire to help out, trying to help an OP or add to follow up discussions that are 12 years old, can be very frustrating. These threads are very rarely still followed by the original posters or any of the contributors who responded. Goldy hasn't been on the forums in a few years and some of the follow up posters in more than 10. In essence it only creates annoyance for new posters, who in their hurry to help don't realize it is resurrected from many years ago, and ask follow up questions to those people or offer advice that is no longer needed.

Now if you have something substantive to add, such as a rule, law or standard practice change that renders much of the old advice obsolete, then an update can be reasonable or at least understandable. But just noting that you don't have insurance on your cheap furs and instead just put them in your trunk is not what I would consider a substantive contribution.

edited because I apparently can't type or spell on my tablet...

I don't think furs are cheap to start with, where did you get the idea I have cheap furs? And, I don't have a trunk. Calling my furs cheap, did that made you feel better? Or did that made you a better person?? You shouldn't bully people like that. A forum is for everyone to share their thoughts. That was my 1st post on this finance forum, I saw this thread was talking about 15 years old furs, even a $10,000 mink after 15 year, it won't worth that much for insurance, but if it's a sable coat, it's worth to pay insurance even after 20-30 years ( in good condition). I am new to the house finance forum, not new to the furs. I think it's allowed to post to an old thread, there is no lock on this thread. In our rose forum, we bring back the old threads all the time, it's educational for the new comers.

where did you get the idea I have cheap furs -

Maybe I looked at your first post - "I don't pay insurance on my furs, don't have the expensive fur"

As for the trunk - "I keep my furs with me all the time."

As for whether I feel better being mean or not. How did you feel when you wrote - "Because I want to, and I can!"? To be fair I was just mean because I wanted to and I can...

You didn't read the whole thing, I said "i don't have expensive furs-sable/fisher/martin", a sable coat can cost up to $100,000.

"I keep my furs with me all the time", that means when I go out in fur, I don't leave the coat in the coat room, I keep it with me. May be I should be a little clear on that......

My goodness, you need to grow up somehow and someday.

Have a good night

Yes because, nothing shows signs of maturity like, "because I want to, and I can!"

It doesn't matter how much your furs cost, it only matters that in your mind they are not worth insuring. Insurance on furs is fairly reasonable, and yet in your mind they are not worth paying insurance on. The only reasonable and non-childish assumptions are, you are either broke and shouldn't have your furs, you are a poor decision maker, or you don't consider them valuable enough to insure. I didn't want to call you poor or stupid.

"I keep my furs with me all the time", that means when I go out in fur, I don't leave the coat in the coat room..." - NO IT DOESN'T...I am not sure if words are an invitation to read your mind on your homeworld, but here on earth words have meanings. Often words have multiple meanings, we try to add clarity by surrounding them with other words. However, sometimes when we string words together they really don't mean what they say. Sarcasm and wit are examples of when meaning is different than what the words alone mean. For example, when someone says that you drive around with your furs in the trunk, or any other part of the car, he may not mean it literally...

Bry, I agreed with you in your first post. But in your follow-ups, you've shown yourself to be mean spirited and a bully. Let it go.

Bry911 has a fondness for getting into pi**ing contests just for the heck of it. He should heed his own words: "Yes because, nothing shows signs of maturity like, "because I want to, and I can!""

I am mean spirited...I find ignorance the most abhorrent of crimes, the refusal to inform oneself, a sin against existence.

People don't like being told they are wrong, especially when they are. I battle the blowback with scathing sarcasm, mean wit and occasionally crushing honesty. There is no need to point out that I am a dick, it is my overwhelming goal on this forum to be the two things people hate most - mean and right.

Oh, Bry911, You should change your name to LightningBoy, or something like that. Too much fire is not good for your health. I'd let it go at this point. Wish everyone to have a great Holiday season! Peace on earth.

If I were you I'd hold all the fire after the Holidays, and try some yoga to cool it down if you can bend your legs....or gym.

You're not a bad person, just the words came out of your brain were pretty harsh, you have a heart, and I saw it. You can be positive in life, it doesn't hurt you to try. I am a relater, I see more positive things out of people. You can change if you want to. Just hold back a little, rethink before you say it out. Good luck to you!

My internet persona is very different than that of my real life. So while I don't and won't claim to be a perfect person in real life, I also don't show much of the real me here.

I have often wondered why this is, and I think it is fairly typical today, but usually in people much younger than myself. Because my international work kept me far from home, I played a lot of multiplayer gaming, to connect back to English speakers. Multiple "faces" are fairly typical among gamers. That mild mannered, polite young man is going to tea bag you after a headshot on Counterstrike...

I did yoga for a while, but I prefer to find my zen through running. I try to do 5 miles a day with an occasionsl mini marathon.

So glad to know you aren't a monster for real! Lol. Which country are you in? Do you see a lot of roses there? We'd be happy to see rose garden photos from other countries, it's educational. Would you please post some photos at rose forum (my home) if it's not too much trouble for you? Thanks and have a good day!

I am in the US now. Spent a lot of time in Dubai, Paris, and parts of Asia and Africa. I came back to America several years ago, but wanderlust is starting to kick in again, I am actually considering taking a huge demotion so I can travel again. To be fair, I have never been a big gardener - but the gardens in Dubai are sometimes breathtakingly beautiful. I will see if an English friend who is still there can get some photos for me.

Thanks Bry. You don't have to trouble your friend in UK, their growing season has pretty much ended by now. I only know Dubai is a fancy city filled with expensive cars. One of my friends went there for a visit. I'd have to google their roses.