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By Chuck Wells

Ok, so the weather is nice now for a couple of days before winter and you want to have a garage sale to see if someone will pay money for your junk.

Iím sure the first thing you think about before having a garage sale is whether or not your home insurance policy will protect you if someone is injured on your property as they come to buy your junk.

What if some old lady trips over the leg of your folding table holding the dirty, grease stained clothes your kids used to wear and breaks her hip? You know she will call some lawyer advertising during the day as she watches her soaps and you will be sued for not providing for the safety of your customers. Will your house insurance company protect you? It depends.

If you have a garage sale a couple times a year, your house insurance should pay for an attorney to represent you and pay up to your policy limits for a settlement. If you have one of those perpetual garage sales (I drive by one on Route 31 in Macedon every day), the insurance company will consider it a business and will not protect you.

Keep in mind that any business you run out of your home should be insured. It makes no difference how much money you make at it or even if you lose money doing it. Donít take a chance of losing everything you own.


I read a funny e-mail the other day about how few things those of us in our 50ís had when we were kids and how amazing it is that we survived.

We slept in cribs with the wrong space between the slots and painted with lead-based paint and survived.

We didnít have child-proof caps, doors, or cabinets

We didnít wear helmets when riding bikes.

We didnít have seatbelts or airbags. Our big, heavy cars which got good gas mileage because they didnít have pollution controls protected us pretty well.

We drank from water hoses on a hot day and still survived.

We ate real butter, real milk (not 2%), soda with loads of sugar, bread full of carbs, cakes, cookies, and big candy bars (not these little bite-size nuggets they sell now) but were not obese because we were outside playing.

We only watched television at night with our parents and only those programs they wanted to watch. We did not have parental controls on the tv. We had our parents.

Our mothers were at home when we got out of school and knew where we were and with whom we were playing.

We didnít have computers. We actually talked with people.

We addressed adults as Mr. or Mrs.

We fell out of trees and crashed into things. We never even thought of suing someone else for our own stupidity.

We didnít worry about being kidnapped; everyone had too many kids already and didnít want any more.

If we didnít like things at home, our fathers would tell us to pack and leave. The police and social workers would tell us to go home and stop whining so they could work on more important things.

Parents could hit their kids when they got out of line and not be arrested.

We would try out for the baseball team and some of us were actually cut! This is how we learned to deal with disappointments.

Tests in school were not curved. If you failed, too bad. Try harder the next time.

There were no child safety seats and we made it.

We had B-B guns and still survived with our eyes intact. If you shot at something you werenít supposed to, the neighbor came over and told your father and it didnít happen again.

Teachers would threaten students with telling their parents about their bad behavior and it worked as parents backed up the teachers.

Kids never even imagined bringing a gun to school. Smoking in the bathroom was a big violation.

Doing drugs was only done by losers.

It canít imagine how we ever survived this long the way things were but somehow we made it.

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