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zmk1962 last won the day on January 6

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About zmk1962

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  1. zmk1962

    Car Insurance - When to change

    Hi Sam, Here are some of my thoughts - BTW I lean toward comprehensive cover. My experience is changing the value down only changes the premium very marginally - so you might as well have the value as high as possible. If you say your car is worth 10-12market value have you checked what NRMA would insure it for at maximum Agreed Value? I'd guess it would be about 12-13k. Most peoples car could do with a clean - its basically the km and mechanical condition that would place that. I think you can experiment on the NRMA website with the Agreed Value Range. You are going to spend $595 on insurance anyway... so you could take a view that its really costing you: 1900-595= 1305 to insure your car for the max Agreed Value 12k. Which makes 1305/12000= 10.8% Thats what you will be paying to protect yourself from the theft of the vehicle or if it was damaged/written off. Only you can make the assessment of how likely that is. BTW usually if damage is = >50% of agreed value of an older car, they are written off. In my experience 6k of damage is NOT hard to imagine on a car these days. (My daughters Micra rolled into a car at <4km/h - popped the front plastic fender, dented the bonnet and the horn pierced the radiator = $3500 damage !!!! If it was 15km/h I reckon they would have written the car off.) In your case what would happen if you only had 3rd Party and the accident was NOT your fault. The other drivers insurance company would make a market value assessment of the value of your car and probably declare it a write off ( always puzzles me how they make a fair assessment if they are looking at it smashed) - and you would have to stand alone against the other insurance company to fight for a fair value settlement. In the meantime no car, no money. On the other hand, if you had Comprehensive on your vehicle it would be your insurance company armed with a contracted agreed value - talking on your behalf to the other insurance company. So as I said, it comes down to the likelihood of total loss - theft or accident. In my case the likelihood of total loss increases with older cars because of that write-off practice - doesn't have to be your fault. The other thing is as Baz said, I would push up the excess to the highest you are comfortable to pay in the event of an accident (that is below the write off amount) so that you bring the premium as low as possible - after all you are only insuring yourself for the total loss of the vehicle. Minor bumps and scrapes you fix outside policy as they are always below the excess. Cheers Zoran
  2. Ok thanks so much Bear... so it looks like you are definitely not getting the level of detail that I am seeing with an active Subscription. You also do not see the Community Edits - the markers and waypoints added by other users. Cheers Zoran
  3. Thanks Bear... if you zoom in, you should get more detail if SonarCharts are working. Your zoomed at 0.5NM (about 0.8km), I'm zoomed in at 0.2km.
  4. zmk1962

    1 man Tinny

    I put my pencils away so now artwork from me, but I found this which should help explain.... as Rick said, motor in results in bow down. When you are solo, you need a bit of motor-in to compensate for the extra weight at the back. Cheers Zoran
  5. Further to my above post here are two screenshots showing the area just of Barrenjoey. Navionics base charts: And with the Sonarchart active: It’s chalk and cheese really and you can keep zooming in to get more detail. But it was all there before Garmin bought Navionics. I’m pretty sure you have to Subscribe to get Sonacharts. Perhaps Bear can look at his tablet and try to activate Sonarcharts without a subscription. Cheers Zoran
  6. That's exactly what Navionics has. They call it SonarCharts .... heres a screenshot of how you find it. You can connect a sounder and continuously improve your charts. If you also enable community edits, your sonar readings are uploaded to Navionics and combined/verified with other peoples readings to produce the next base charts - a process of continuous refinement. So again Navionics had this already... nothing new to justify the upgrade. Cheers Zoran
  7. zmk1962

    Out from Sydney Monday

    Good job guys ! ... nice feed ...and if you're not into bonnies nice bait next time ! Cheers Zoran
  8. Thanks @Fishop sometimes a bit of extra detail showed up from the Sonarchart updates.... but that was part of the original product... I still have not seen anything that comes close to justifying the 250% price hike. Cheers Zoran
  9. zmk1962

    Port Stephens- plan A-B-C

    ....guess that's why its called fishing !!! BTW, checkout my previous photos....that big orange esky is identical to MINE ... sticker and all ... Hey did you guys take it and find the schnapps in there? Seriously though, awesome report and result fellas. Cheers Zoran
  10. zmk1962

    Stabicraft 1550 fisher

    @anthman given your specifications you probably need @rickmarlin62 to chip in .... I'm pretty sure Rick runs a 4.8m VSEA offshore very happily -- maybe he could compare or has experience regarding the VSEA vs the Stabi 1550 to give some pointers on what the Stabi capabilities are. All subject to how experienced you are offshore offcourse ! Cheers Zoran
  11. zmk1962

    Stabicraft 1550 fisher

    Bewdiful !!! .... they really look the goods..... interesting choice of black motor on the back too 😇 !!! Cheers Zoran
  12. zmk1962

    Beakie Hunt 2019

    Hahaha.... should we be expecting any less ? Thanks for FAD update... still chilly it seems. Cheers Zoran
  13. Thanks for researching @savit, just had a look at that site: Garmin announced a new line of cartography products featuring the best of Navionics and Garmin content at the Fort Lauderdale International Boat Show. The new products include BlueChart g3 / BlueChart g3 Vision cartography for Europe and North America, and new LakeVü g3 / LakeVü g3 Ultra lake maps for the U.S. and Canada. They will be available for purchase on accessory cards and via download for existing customers. In the U.S. and Canada, the new charts will also be preloaded on the new Garmin GPSMAP 8600/8600 xsv series multifunction displays. I guess its great for the Europe, US and Canada guys .... not a lot of mention of Asia Pacific or Oceania in there at all. I guess I just have to figure out how to get my old Haines across the big blue pond so I can get value from these enhancements and the annual $34.99 going forward! Cheers Z
  14. zmk1962

    Lithium ion jump starter or spare battery?

    Agree.... especially if its not being used for "Open Waters" . Ran that way for many many years with my Savage, single battery and 40HP Tohatsu. Cheers Z
  15. I think the above posts are discussing two different things when we use the term "Subscription" : 1) Navionics sells Charts (Gold, Platinum etc) that you insert into your GPS. As I understand it these charts are yours to use for the life of the memory card and will work with the data they have on them. You can pay to upgrade these charts (get the latest version of the charts), and in some cases you can also subscribe - for some additional online services (updates, waypoint storage etc). If you don't subscribe, you keep running with the maps that you have previously paid for or upgraded to. 2) Navionics also sells Apps that run on mobile devices. In the past (2012) these apps were sold One TIme Charge for a region (Au&NZ) ... and you could pretty well run with that as if it was a chart system like above. Sometimes they provided free updates, and fee Upgrades to the app/maps. Then about 3 years ago, they shifted to a Subscription model. You get the App (free) but you rent the regional map by Subscribing for a year. During that year you get all the chart updates enhancements etc. If you don't Subscribe to a region - the App provides very very dumb basic cartography until you subscribe. Cheers Z