Family day in Ohio

… or, having now read the intriguing Rabin and Thaler paper pointed to by Mr. Harford (http://risk.behaviouralfinance.net/RaTh01.pdf), I guess that should be “given that expected utility is an ex-hypothesis, why is it still front and centre in the courses that shape Economists’ worldviews (econ 101)”?

I guess I’m missing something here, but I’m not sure what.

Following up on MattXIV, I’ve cashed in on my cellphone “protection plan” for things which no actual warranty would cover. I probably made money on the deal.

MattXIV’s point about people’s liquidity constraints is also quite good. I’m recently (in the past 2 years) in a position where a $500 to $1000 unexpected payment for something breaking is now something I can afford, but for the previous 19 years of my adult life, if I couldn’t get someone else to pick up the bill, it would go on a credit card at 18% or higher interest.

I’ve always declined rental car supplementary insurance, though, as it was a risk I’ve been willing to take. The rental car companies will state that my insurance won’t cover the loss of use of the car to the rental company, but I figured that in that event, I’d be willing to subpeona their records to prove that the car wouldn’t have been rented, and/or that they’ve delayed the repair in bad faith to run up my bill, or at least make them spend on lawyers more than the damage to the car.

Another issue is that rental car insurance saves us a lot of headaches. The actual cost savings is not just the $900 deductible, but also the aggravation of having to deal with the rental company in another country with other customs, possible police/judicial involvement, and lots of paperwork. The seduction of the insurance is that it makes the hassle go away, and the value of that depends on the person. If I were to rent a car in a foreign country whose language were only known to me through a phrase-book, I’d be very tempted by that policy.

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