I read many of the answers and what I would say is if things are tight, take care of you and your comfort level FIRST. I was raised by a fiscal conservative (read banker father). Pay off debt, have good insurance, fund your retirement, have 6-8 months of LIQUID rainy day fund. Support your favorite charities, especially in this horrible economy. Have a rainy day fund for doggy emergencies too. Then if you want to renew....fine. Now, I am cautious and I LOVE saving money. Yes, I take clothes to the dry cleaners on Thursday and I'm not embarrassed to use coupons. But if all of the things above weren't handled, no way would I be renewing a dog club membership. BTW, some free advice, probably worth what you paid for it <G> but look into having your property taxes re-assessed. I did. Every county/township has a different procedure, <on their web site> and usually a different window of time, but you mentioned higher taxes. There's no sense paying inflated property taxes on a house that depreciated. Kathy, member GSDCA, DVGSDC Celebrating generations of Dual Titled TC'd Champions visit _http://www.pinehillgsds.com/_ (http://www.pinehillgsds.com/) In a message dated 12/18/2010 12:19:37 P.M. Eastern Standard Time, terraf@xxxxxxxxxxxx writes: I have heard that many people are not renewing their memberships. I know some of it is due to politics but we are trying to decide whether we should based solely on the economy. We have had to take furlough days off from our work, no raises, higher taxes on everything, and some other unexpected debt....that's being kind. So any thoughts why we should keep our membership? We are not showing as much in the next year, do not plan to participate in any Futurities/Maturities, and the Review really isn't as interesting as in past years. We love getting our ROM plaques but it sounds like plaques are not going to be around much longer, (Futurity Plaques etc). We have already decided not to renew other subscriptions, dog and people related. We just wondered what others maybe doing or feel strongly about. You may email us privately if you wish. ============================================================================ POST is Copyrighted 2010. All material remains the property of the original author and of GSD Communication, Inc. NO REPRODUCTIONS or FORWARDS of any kind are permitted without prior permission of the original author AND of the Showgsd-l Management. ALL RIGHTS RESERVED. Each Author is responsible for the content of his/her post. This group and its administrators are not responsible for the comments or opinions expressed in any post. ALL PERSONS ARE ON NOTICE THAT THE FORWARDING, REPRODUCTION OR USE IN ANY MANNER OF ANY MATERIAL WHICH APPEARS ON SHOWGSD-L WITHOUT THE EXPRESS PERMISSION OF ALL PARTIES TO THE POST AND THE LIST MANAGEMENT IS EXPRESSLY FORBIDDEN, AND IS A VIOLATION OF LAW. VIOLATORS OF THIS PROHIBITION WILL BE PROSECUTED. For assistance, please contact the List Management at admin@xxxxxxxxxxx VISIT OUR WEBSITE - http://showgsd.org NATIONAL BLOG - http://gsdnational.blogspot.com/ ============================================================================ ============================================================================ POST is Copyrighted 2010. All material remains the property of the original author and of GSD Communication, Inc. NO REPRODUCTIONS or FORWARDS of any kind are permitted without prior permission of the original author AND of the Showgsd-l Management. ALL RIGHTS RESERVED. Each Author is responsible for the content of his/her post. This group and its administrators are not responsible for the comments or opinions expressed in any post. ALL PERSONS ARE ON NOTICE THAT THE FORWARDING, REPRODUCTION OR USE IN ANY MANNER OF ANY MATERIAL WHICH APPEARS ON SHOWGSD-L WITHOUT THE EXPRESS PERMISSION OF ALL PARTIES TO THE POST AND THE LIST MANAGEMENT IS EXPRESSLY FORBIDDEN, AND IS A VIOLATION OF LAW. VIOLATORS OF THIS PROHIBITION WILL BE PROSECUTED. For assistance, please contact the List Management at admin@xxxxxxxxxxx VISIT OUR WEBSITE - http://showgsd.org NATIONAL BLOG - http://gsdnational.blogspot.com/ ============================================================================