James Conley answers:

In regards to your situation you can contact kenmore to see what your options are, all kenmore dishwashers come with a manufacture warrenty you need to look at your warrenty to see if your able to maybe get a replacement, also if you bought a protection plan and your still within your warrenty then you will be able to get the motor replaced. Unfortunately theres not much to do in complaining if your out of all your warrenties. Sorry

James Conley answers:

There are many layers to your question.

Firstly, the competition that exists between the insurers and the providers is limited by regulation and the shared cost of the uninsured (illegals, etc).

Secondly, very little competition exists within the insurance market. For instance, HMOs (signed into law in the 70s), and the inability for many clients to seek coverage from out-of-state insurers limits competition greatly as they are forced to cover equally and charge same rates. This raises the cost greatly.

Thirdly, insurance is no longer insurance. Insurance has become a fetish for full, complete coverage for everything. This is the most misunderstood aspect of why prices have increased. The insurance companies don’t simply toss a dart against the wall and arrive on a price – they have to pay for every conceivable visit by every conceivable client. There exists no incentive on the individual for better health – everything is summed by the insurance provider. We’re older, fatter, and more unhealthy than we’ve ever been and new drugs and technology only prolong our lives which increases the cost to insurers. Does your car insurance pay for oil changes, washes, tune ups, etc? Does your home owners insurance pay for plumbing repairs, carpeting, furniture, appliances, etc? No. They pay for catastrophic damages so you are -insured- against a loss in which you have no chance of repaying otherwise.

Lastly, the private sector will disappear (this includes clinics and physician-owned hospitals) as the government is mandating what must be paid for and covered by private insurers. In other words, government will now be non-profit and operate well below the operating cost of a private insurer. This renders the private option impossible aside from the extremely wealthy as they cannot offer lower coverage or catastrophic-only coverage to reduce their costs. This is the dirty little secret that the government repeatedly denies, but offers no discussion… Simply dismissal. If the private sector survives, there will be no real competition with the public option at all.

Now, on your question about how rates would be priced. Under the government plan, there is no function of price. Price is removed as a determining factor. What results is demand exceeding supply and the only way to maintain the equilibrium is to limit treatment, levels, options, and quality (as a direct result of the former). As I’ve mentioned repeatedly in various question within Yahoo! Answers, socialized medicine (yes, that’s what this is) is central planning.

Central planning requires a functioning market to operate. Central planning results in failure (or rationing as I outlined above) because the application of the central planning mechanism eliminates what once was the private sector. It’s a paradox of sorts. In other words, central planning requires a market in which to plan – the market that is destroyed by central planning. This is why in communist economies you see cheese shops with empty shelves and lines running out the doors , while the bread shops are overflowing with bread. No group of people can determine what the vast population needs at any given time… That is why we have a market.

James Conley answers:

Hard to answer, but here is how I would approach it.

Try to figure out what a comparable house in the Indianapolis area would go for on a standard lot. Pick a house in decent condition. I might used Greencastle or Danville area. Then try to add to that what you feel the extra 9 or more acres is worth. Then discount from that total what the repair and upgrades for things like A/C are going to cost ($30k-$40k ???).

Also, consider that the housing market is not real great right now. And not a lot of people want to live that far out in the country. It’s just too far to drive to work!

It doesn’t really hurt that much to low-ball in this market. The worst they can do is say no and it will likely result in a counteroffer that will give you a better idea of their rock bottom price.

Everyone says to get another realtor. I don’t know that I necessarily agree with that. Realtors can represent both sides in Indiana, it is legal. Yes, he will not give you much help on an offer price, but if you can figure that out yourself, then no big deal. Your offer may be more indicative of what you can afford rather than what the house is worth anyway! And trust me, any realtor is going to have a hard time appraising that property.

A realtor can charge the seller anything he wants. If he knows that he will not be having to split a commission with your realtor, he can charge the seller less overall for the services, even if he is representing you also (because he keeps both sides). This means the owner keeps more of the sale proceeds and therefore might be willing to take a lower price for the home.