Extreme rednecks

1. You let your 14-year-old daughter smoke at the dinner table in front of her kids.

2. The Blue Book value of your truck goes up and down depending on how much gas is in it.

3. You’ve been married three times and still have the same in-laws.

4. You think a woman who is “out of your league” bowls on a different night.

5. You wonder how service stations keep their rest-rooms so clean.

6. Your wife’s hairdo was once ruined by a ceiling fan.

7. Your junior prom offered day care.

8. You think the last words of the “Star-Spangled Banner” are “Gentlemen, start your engines.”

9. You lit a match in the bathroom and your house exploded right off its wheels.

10. The Halloween Pumpkin on your porch has more teeth than your spouse.

11. You need one more hole punched in your card to get a freebie at the House of Tattoos.

12. You think loading the dishwasher means getting your wife drunk.

Bonus Comment:

An East Texas couple, both real-life rednecks, had 9 children. They went to the doctor to see about getting the husband “fixed”. The doctor asked them why, after nine children would they choose to do this. The husband replied that they had read in a recent article that one out of every ten children being born in North America was Mexican, and they didn’t want a Mexican baby because neither of them could speak Spanish.

India’s Rating Below Investment Grade

I was reading this nice informative article. which explains why Indian currency bonds are 7 notches below the Chinese Bonds and share its ranking with bonds issued by bankrupt states like Jamaica and Armenia.

1) Government Fiscal Deficit (6.2% of the GDP)
2) Public debt (which accounts for almost 77% of the country’s GDP and almost all the taxes Indian government collects goes in servicing the debt’s interest rates)
3) Deficit of Power and basic infrastructure without which no industry can be expected to perform well and this deficit is robbing the country from atleast 2-3% growth of GDP.

Car Insurance

Here is an email forward which you might find interesting 🙂

Do you know you can save as much as 65% on your new car’s insurance? Your insurance agent will never tell you that you can transfer a No Claim Bonus (NCB) from your old car, but a fellow Team-BHPian paid only Rs.10,700 for Rs.27,000 worth of comprehensive insurance on his new car. He just transferred the NCB from his old Maruti Zen to reduce the cost of insurance for his Honda City Vtec. Why didn’t his friendly agent volunteer information about this remarkable deal? Because the more a buyer pays the insurance company, the more commission its agent makes.

Most Indian car buyers negotiate on financing, dealer discounts and freebies but forget about the insurance component.

Team-BHP shows you how to use the NCB to save on your insurance premium:

1. When you sell your old car: The biggest mistake people make is transferring the insurance lock stock and barrel when selling a car. Ensure that ownership is transferred and make a photocopy of the new entry in the RC book for insurance purposes.

2: Obtain the NCB certificate: Forward a copy of the delivery note to your insurance company and ask for the NCB certificate or holding letter. This letter is valid for three years; you may find it easiest to go to your insurer’s local office to pick it up in person.

3: Use the NCB: Forward the NCB letter to your new car’s dealer. Voila! You have just transferred the NCB to your new car insurance and saved a bundle.

Remember to shop around; manufacturers’ insurance schemes are much cheaper than regular insurers’. In one case, insurance for an old Maruti 800 was quoted at Rs.4,800 when the official Maruti insurance was available for just Rs.2,800.

Another process, if you are happy with your existing insurance company, is to go to the insurer with your new car invoice and chassis number. The agent should use your NCB to offer a reduced premium and give you a cover note on the spot. The dealership will need this cover note to register your car with traffic authorities.


Q: I have not sold my old car and need to take delivery of a new one.

A: Go ahead and buy the new car: you cannot claim your NCB for the first year but make sure you get the NCB letter when you sell your old car. You can use the letter to reduce your second year’s premium.

Q: The NCB is a major saving – how can I preserve it?

A: A No Claim Bonus means just that – no damage claims on your car. Drive carefully, take security measures to protect your car and claim judiciously. If you have a 50% NCB for your Getz you are saving Rs.9,000. If your stereo is worth Rs.5,000 and gets stolen, do not claim it. Just pay for the new stereo yourself; it will cost less than losing the NCB saving.

Q: I have a cheap Maruti 800 with a 50% NCB and want to buy a Honda City while keeping both cars.

A: One option to consider is to cancel the insurance on your Maruti and claim the NCB certificate for your Honda while insuring the Maruti with a different company. Another alternative is to transfer the Maruti’s ownership and insurance to your spouse or sibling and proceed as above.

Q: What about those free insurance schemes?

A: Try asking for a cash discount instead and buy your own insurance. The next best option is to use the NCB certificate during insurance renewal.