The never ending chat thread, chat about anything That your up too

[cany]

Finally home having a much needed cocktail then heading out to clean the scooter

 

[longcast]

Finally home having a much needed cocktail then heading out to clean the scooter

Still at the job. Will do the same later, minus anything to do with a scooter.

 

[cany]

Still at the job. Will do the same later, minus anything to do with a scooter.

aggravating fuckin day need something to calm me down day

 

[longcast]

aggravating fuckin day need something to calm me down day

Oh...........I guess I should keep politics out of the stock forum.........................

 

[cany]

Oh...........I guess I should keep politics out of the stock forum.........................

Only if you like posting there

 

[Crabman]

This picture was borrowed from a post by Cany.

Here's a difference of opinion. What do you think? Two friends. I'm not going to say who's who. One lends the other friend some equipment that's in fantastic condition but it's a few years old. The other one, no fault of his own, unfortunately loses everything that was borrowed. His insurance company deducted 28% from replacement cost. How much should the original owner get. Full price to replace or the insurance deducted price?

 

[Avenger]

View attachment 93775

This picture was borrowed from a post by Cany.

Here's a difference of opinion. What do you think? Two friends. I'm not going to say who's who. One lends the other friend some equipment that's in fantastic condition but it's a few years old. The other one, no fault of his own, unfortunately loses everything that was borrowed. His insurance company deducted 28% from replacement cost. How much should the original owner get. Full price to replace or the insurance deducted price?

Tricky question. I'm guessing that the fact that friend 2 is borrowing equipment means a shortage of funds to purchase or rent their own?

 

[wader]

View attachment 93775

This picture was borrowed from a post by Cany.

Here's a difference of opinion. What do you think? Two friends. I'm not going to say who's who. One lends the other friend some equipment that's in fantastic condition but it's a few years old. The other one, no fault of his own, unfortunately loses everything that was borrowed. His insurance company deducted 28% from replacement cost. How much should the original owner get. Full price to replace or the insurance deducted price?

don't lay out your equipment unless you can afford to lose it

 

[longcast]

View attachment 93775

This picture was borrowed from a post by Cany.

Here's a difference of opinion. What do you think? Two friends. I'm not going to say who's who. One lends the other friend some equipment that's in fantastic condition but it's a few years old. The other one, no fault of his own, unfortunately loses everything that was borrowed. His insurance company deducted 28% from replacement cost. How much should the original owner get. Full price to replace or the insurance deducted price?

Replace in full. That would be how I handled it.

 

[Rick67]

View attachment 93775

This picture was borrowed from a post by Cany.

Here's a difference of opinion. What do you think? Two friends. I'm not going to say who's who. One lends the other friend some equipment that's in fantastic condition but it's a few years old. The other one, no fault of his own, unfortunately loses everything that was borrowed. His insurance company deducted 28% from replacement cost. How much should the original owner get. Full price to replace or the insurance deducted price?

Full replacement price.

 

[longcast]

Seasoning a carbon steel pan.

 

[Roccus7]

Full replacement price.

Absolutely!!! My father banged into my head, "When you borrow something, you return it as it was, or even better if it needs a cleaning!"

As a poor graduate student I borrowed my neighbor's "Nutcracker" and trashed it. Without hesitation, I went to Sears and bought him a new one, which cost about 1/10th of my weekly salary. I just ate more Ramen that week...

 

[Crabman]

Tricky question. I'm guessing that the fact that friend 2 is borrowing equipment means a shortage of funds to purchase or rent their own?

We both agree, money is not a factor.

 

[Avenger]

We both agree, money is not a factor.

Well, the language of insurance is for the claimant to be "made whole" in the event of a loss. Basically, pre loss condition. Naturally, they write a contract that stipulates the cash value of "whole" wherein they include depreciation or other "dings" against the value. Unless you're paying for a replacement value policy.

Since the borrower appears to have made the claim against their own insurance, they saved on the cost of full replacement policy, choosing to basically self-insure the balance.

Therefore they're obligated to self-insure the loaner for the balance.

Sounds very lawyerly, doesn't it?

 

[Crabman]

Well, the language of insurance is for the claimant to be "made whole" in the event of a loss. Basically, pre loss condition. Naturally, they write a contract that stipulates the cash value of "whole" wherein they include depreciation or other "dings" against the value. Unless you're paying for a replacement value policy.

Since the borrower appears to have made the claim against their own insurance, they saved on the cost of full replacement policy, choosing to basically self-insure the balance.

Therefore they're obligated to self-insure the loaner for the balance.

Sounds very lawyerly, doesn't it?

Avenger Esq.

Both of us are finding this interesting.

 

[Chevy1]

Just recovering from a coughing fit. I ground up peppercorns and the dust filled the kitchen I had to run outside to breathe

 

[longcast]

Just recovering from a coughing fit. I ground up peppercorns and the dust filled the kitchen I had to run outside to breathe

Wear a mask. Saved the world from COVID.

 

[live bait]

One razor knife, needle nose pliers, one bloody finger, & almost an hour & I finally got all of last falls black fishing braid out of the windless

 

[cany]

One razor knife, needle nose pliers, one bloody finger, & almost an hour & I finally got all of last falls black fishing braid out of the windlessView attachment 93818

Braid is nasty where its not wanted

 

[Rick67]

Who’s is that? It sounded injected when it started.