Pun-Free April LC Thread (no joke!) - Page 29 - Politics and Economics

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Pun-Free April LC Thread (no joke!)

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04-30-2015 , 04:47 PM

#701

zikzak

Carpal \'Tunnel

Join Date: Jul 2009 Posts: 22,198

I think the correct play is to call your insurance company and ask them.

04-30-2015 , 05:03 PM

#702

ElliotR

Carpal \'Tunnel

Join Date: Sep 2005 Posts: 30,029

You'll get cleaning expenses and "market value" for the stuff, not replacement cost, unless your policy is pretty unusual.

Whether it is worth it depends on you. As for the $500, I don't know what you mean by "on the hook" but the deductible obviously applies and so you'll only get reimbursed by the insurance co. for losses over that amount. You could sue the apartment people for the $500 though, if that is worth it (probably not IMO).

04-30-2015 , 05:13 PM

#703

ogallalabob

veteran

Join Date: Jun 2008 Posts: 2,448

Would read the policy first. Make sure you know what is a covered event. i.e water heater accidentally leaking and damaging stuff might be treated differently then a known 3rd party negligently causing damage.

04-30-2015 , 05:15 PM

#704

Anais

Carpal \'Tunnel

Join Date: Mar 2006 Posts: 6,663

small claims court, i suppose

Quote:

I don't know what you mean by "on the hook"

well, if you go thru insurance for a damaged car, they don't pay until you've got it repaired and have a bill for them afaik, so you have to pay your deductible and then they cover the rest, is what i was thinking

dunno how this applies to house insurance, if at all

04-30-2015 , 05:15 PM

#705

seattlelou

Carpal \'Tunnel

Join Date: Dec 2009 Posts: 31,584

Quote:

Originally Posted by Anais

Renters insurance question:

Apt above us had a leaky water heater. Caused our carpet to be soaked, no big deal. They replaced it wrong and that caused the ceiling in our coat closet to give, drenching our belongings stored there.

Not tons of valuable stuff, but depending on how it's valued, could be up to $2000 of stuff for replacement/cleaning. We have a $500 deductible. We were told it was our responsibility to contact our insurance company to replace this.

Now, we didn't use what was in there too often, but there was an eleven hundred dollar pair of ice skates, a hundred dollar cashmere scarf, an old laptop, etc.

Is it worth it to pursue with our insurance company? Will they sue our apartment people for messing up the installation? Are we really on the hook for $500 if we press this?

What's our play?

You probably have thought of this but take pictures.

04-30-2015 , 05:50 PM

#706

Anais

Carpal \'Tunnel

Join Date: Mar 2006 Posts: 6,663

yeah, giz has taken a load of them

also, i was looking at a quote from a different company i saved. we got a 1k deductible. Probably not worth it at this point. Nevermind.

04-30-2015 , 06:16 PM

#707

BrianTheMick2

Long way to go and a short time to get there.

Join Date: May 2012 Posts: 19,444

Quote:

Originally Posted by Anais

yeah, giz has taken a load of them

also, i was looking at a quote from a different company i saved. we got a 1k deductible. Probably not worth it at this point. Nevermind.

Deductible isn't something you pay out... If the damages to your crap is $1001, then you get a dollar - they aren't going to make you buy new stuff with it.

04-30-2015 , 06:18 PM

#708

rjoefish

Got Out the Vote

Join Date: Feb 2006 Posts: 31,086

Replacement cost is unusual? I pay like an extra dollar a month for that.

04-30-2015 , 06:41 PM

#709

seattlelou

Carpal \'Tunnel

Join Date: Dec 2009 Posts: 31,584

Quote:

Originally Posted by rjoefish

Replacement cost is unusual? I pay like an extra dollar a month for that.

That seems cheap, good buy IMO.

04-30-2015 , 09:56 PM

#710

goofyballer

Carpal \'Tunnel

Join Date: Jun 2005 Posts: 70,719

NYT: A bill backed by both parties could end bulk metadata collection when Patriot Act is renewed

04-30-2015 , 10:19 PM

#711

Ineedaride2

Politics Court Jester

Join Date: Oct 2005 Posts: 25,080

Grooveshark just shut down. Don't know how many other people used it, but it's all I've used for several years now.

Oh well, time to try Spotify I guess.

04-30-2015 , 10:30 PM

#712

seattlelou

Carpal \'Tunnel

Join Date: Dec 2009 Posts: 31,584

Quote:

Originally Posted by Ineedaride2

Grooveshark just shut down. Don't know how many other people used it, but it's all I've used for several years now.

Oh well, time to try Spotify I guess.

My Rams just made a huge reach and picked a dawg. Hope it works out.

04-30-2015 , 10:31 PM

#713

metaname2

self-banned

Join Date: Dec 2003 Posts: 3,996

I've also got a bit of a legal question. Today, I finally managed redeem one of those sandwich club cards from my local deli. Is the free hero considered taxable income?

04-30-2015 , 10:40 PM

#714

ikestoys

banned

Join Date: Nov 2006 Posts: 94,424

Quote:

Originally Posted by seattlelou

That seems cheap, good buy IMO.

yup, that's what my parents had when my house burned down... got like 5 pairs of gk gloves and soccer shoes because old pairs got destroyed

04-30-2015 , 10:45 PM

#715

seattlelou

Carpal \'Tunnel

Join Date: Dec 2009 Posts: 31,584

Quote:

Originally Posted by metaname2

I've also got a bit of a legal question. Today, I finally managed redeem one of those sandwich club cards from my local deli. Is the free hero considered taxable income?

If you get a 1099 maybe. This has been a bit of a debate with regards to frequent flier miles. The IRS does not pursue frequent flier miles non reporters so I think you will be OK.

04-30-2015 , 10:55 PM

#716

Ineedaride2

Politics Court Jester

Join Date: Oct 2005 Posts: 25,080

Quote:

Originally Posted by seattlelou

My Rams just made a huge reach and picked a dawg. Hope it works out.

Damn, forgot the draft was tonight. Gotta play catchup now.

04-30-2015 , 11:31 PM

#717

Ineedaride2

Politics Court Jester

Join Date: Oct 2005 Posts: 25,080

Found a big bag of popsicles in the freezer that look kinda like these:

Pretty sure the green ones are antifreeze flavored.

04-30-2015 , 11:32 PM

#718

ElliotR

Carpal \'Tunnel

Join Date: Sep 2005 Posts: 30,029

no, loyalty rebates are not income, ffs. the only reason ff miles might be an issue is because the tickets are paid for by the employer, not the mileage recipient.

04-30-2015 , 11:33 PM

#719

Mayo

Carpal \'Tunnel

Join Date: Sep 2006 Posts: 50,960

Why Is Antifreeze So Delicious?

04-30-2015 , 11:46 PM

#720

zikzak

Carpal \'Tunnel

Join Date: Jul 2009 Posts: 22,198

I'm inhaling antifreeze right now!

04-30-2015 , 11:49 PM

#721

seattlelou

Carpal \'Tunnel

Join Date: Dec 2009 Posts: 31,584

Quote:

Originally Posted by ElliotR

no, loyalty rebates are not income, ffs. the only reason ff miles might be an issue is because the tickets are paid for by the employer, not the mileage recipient.

Citi sent out 1099-misc to customers that opened new account and received 50k miles and the IRS appears to be getting ready to tax frequent flier programs. http://taxprof.typepad.com/taxprof_b...new-ways-.html
Maybe they will only go after employer paid trips. Not clear to me and the citi new account bonus is not employer related.
Edit:

The more I think about it you are probably right.

Last edited by seattlelou; 05-01-2015 at 12:18 AM.

05-01-2015 , 12:03 AM

#722

JayTeeMe

Carpal \'Tunnel

Join Date: Jan 2008 Posts: 29,419

Cute 20-something girl texting me all day from Vegas, suggests I get something called snapchat. Takes me like 40 minutes but I eventually got it.

Sweet lord, GOAT app