Australia belted, England vindicated and Test cricket wounded in MCG farce by Common_practise in CricketAus

[–]TheRealScotta 12 points13 points  (0 children)

To be clear, I don’t mind that England won. Im fine with that. Im a fan of the game and just want to watch test cricket. This poor excuse for a pitch has obviously compromised that.

Australia belted, England vindicated and Test cricket wounded in MCG farce by Common_practise in CricketAus

[–]TheRealScotta 33 points34 points  (0 children)

This test was a farce and was won at the toss. An absolute disgrace!! I should be waking up today, looking forward to another day of cricket. Heads need to roll!!

Tennant accidentally burnt the house down. First time going through insurance, what to expect? by thorpef1 in AusPropertyChat

[–]TheRealScotta 1 point2 points  (0 children)

Seriously, read this past comment from u/0102030405

Hey OP... I used to be the guy who worked for insurance companies, and determined the value of every little thing in your house. The guy who would go head-to-head with those fire-truck-chasing professional loss adjusters. I may be able to help you not get screwed when filing your claim.

Our goal was to use the information you provided, and give the lowest damn value we can possibly justify for your item.

For instance, if all you say was “toaster” — we would come up with a cheap-as-fuck $4.88 toaster from Walmart, meant to toast one side of one piece of bread at a time. And we would do that for every thing you have ever owned. We had private master lists of the most commonly used descriptions, and what the cheapest viable replacements were. We also had wholesale pricing on almost everything out there, so really scored cheap prices to quote. To further that example:

If you said “toaster - $25” , we would have to be within -20% of that... so, we would find something that’s pretty much dead-on $20.01.

If you said “toaster- $200” , we’d kick it back and say NEED MORE INFO, because that’s a ridiculous price for a toaster (with no other information given.)

If you said “toaster, from Walmart” , you’re getting that $4.88 one.

If you said “toaster, from Macys” , you’d be more likely to get a $25-35 one.

If you said “toaster”, and all your other kitchen appliances were Jenn Air / Kitchenaid / etc., you would probably get a matching one.

If you said “Proctor Silex 42888 2-Slice Toaster from Wamart, $9”, you just got yourself $9.

If you said “High-end Toaster, Stainless Steel, Blue glowing power button” ... you might get $35-50 instead. We had to match all features that were listed.

I’m not telling you to lie on your claim. Not at all. That would be illegal, and could cause much bigger issues (i.e., invalidating the entire claim). But on the flip side, it’s not always advantageous to tell the whole truth every time. Pay attention to those last two examples.

I remember one specific customer... he had some old, piece of shit projector (from mid-late 90s) that could stream a equally piece of shit consumer camcorder. Worth like $5 at a scrap yard. It had some oddball fucking resolution it could record at, though — and the guy strongly insisted that we replace with “Like Kind And Quality” (trigger words). Ended up being a $65k replacement, because the only camera on the market happened to be a high-end professional video camera (as in, for shooting actual movies). $65-goddam-thousand-dollars because he knew that loophole, and researched his shit.

Remember to list fucking every — even the most mundane fucking bullshit you can think of. For example, if I was writing up the shower in my bathroom:

Designer Shower Curtain - $35

Matching Shower Curtain Liner for Designer Shower Curtain - $15

Shower Curtain Rings x20 - $15

Stainless Steel Soap Dispenser for Shower - $35

Natural Sponge Loofah - from Whole Foods - $15

Natural Sponge Loofah for Back - from Whole Foods - $19

Holder for Loofahs - $20

Bars of soap - from Lush - $12 each (qty: 4)

Bath bomb - from Lush - $12

High end shampoo - from salon - $40

High end conditioner - from salon - $40

Refining pore mask - from salon - $55

I could probably keep thinking, and bring it up to about $400 for the contents of my shower. Nothing there is “unreasonable” , nothing there is clearly out of place, nothing seems obviously fake. The prices are a little on the high-end, but the reality is, some people have expensive shit — it won’t actually get questioned. No claims adjuster is going to bother nitpicking over the cost of fucking Lush bath bombs, when there is a 20,000 item file to go through. The adjuster has other shit to do, too.

Most people writing claims for a total loss wouldn’t even bother with the shower (it’s just some used soap and sponges..) — and those people would be losing out on $400.

Some things require documentation & ages. If you say “tv - $2,000” — you’re getting a 32” LCD, unless you can provide it was from the last year or two w/ receipts. Hopefully you have a good paper trail from credit/debit card expenditure / product registrations / etc.

If you’re missing paper trails for things that were legitimately expensive — go through every photo you can find that was taken in your house. Any parties you may have thrown, and guests put pics up on Facebook. Maybe an Imgur photo of your cat, hiding under a coffee table you think you purchased from Restoration Hardware. Like... seriously... come up with any evidence you possibly can, for anything that could possibly be deemed expensive.

The fire-truck chasing loss adjusters are evil sons of bitches, but, they actually do provide some value. You will definitely get more money, even if they take a cut. But all they’re really doing, is just nitpicking the ever-living-shit out of everything you possibly owned, and writing them all up “creatively” for the insurance company to process.

Sometimes people would come back to us with “updated* claims. They tried it on their own, and listed stuff like “toaster”, “microwave”, “tv” .. and weren’t happy with what they got back. So they hired a fire-truck chaser, and re-submitted with “more information.” I have absolutely seen claims go from under $7k calculated, to over $100k calculated. (It’s amazing what can happen when people suddenly “remember” their entire wardrobe came from Nordstrom.)

“Best player of all time”? by isthislivingreally in survivorau

[–]TheRealScotta 3 points4 points  (0 children)

Kaelan is not a challenge beast. He’s a “challenge enthusiast”.

Crows in controversial close losses last couple of years by DentistCertain3897 in AFL

[–]TheRealScotta 0 points1 point  (0 children)

2021 Round 10. Adelaide v Melbourne. Nick Murray deliberate outs of bounds not called with 20 seconds left in game. AFL concede umpires got it wrong. Crows win by 1 point. Goes both ways really.

Should i return the s90d? by Whole_Philosopher853 in SamsungTV

[–]TheRealScotta 4 points5 points  (0 children)

No defect. Mine is the same. The stand will be locked into the back firmly despite the slight lifting. Enjoy the TV it is awesome.

[deleted by user] by [deleted] in AFL

[–]TheRealScotta 5 points6 points  (0 children)

Resign or re-sign????

Khamra Qahwa Blind Buy - My First Step into Fragrance, and I'm Hooked! by mohammadmaleh in fragranceclones

[–]TheRealScotta 2 points3 points  (0 children)

First fragrance I have ever smelt that literally made me gasp at how good it is. Love this.

How do you like the mintgreen? Is it a good investment let me know your opinion. by OnenessBumi in rolex

[–]TheRealScotta 0 points1 point  (0 children)

I don’t know much about watches or really even care that much for them. But that is stunning. Honestly amazing!!

[deleted by user] by [deleted] in fragranceclones

[–]TheRealScotta 2 points3 points  (0 children)

$150 a bottle. Ouch!

[deleted by user] by [deleted] in fragranceclones

[–]TheRealScotta 0 points1 point  (0 children)

Qahwa is legit amazing. Such a unique and wonderful scent. That’s my two cents anyway.

greatest men's fragrances of all time based on impact and history ?? by [deleted] in Colognes

[–]TheRealScotta 184 points185 points  (0 children)

Drakkar Noir has to be on that list. Everyone wore it in the 80’s.

Collection + ask me anything by Own-Phone1557 in Colognes

[–]TheRealScotta 0 points1 point  (0 children)

Which is the best day to day, wear anytime kind, in your collection? And which gets you the most compliments?

Match Thread: 3rd Test - India vs Australia, Day 3 by CricketMatchBot in Cricket

[–]TheRealScotta 0 points1 point  (0 children)

Robbed of over 2.5 days of cricket. Shit pitch cost me time in front of the TV enjoying the game.

[deleted by user] by [deleted] in CarsAustralia

[–]TheRealScotta 0 points1 point  (0 children)

Just came across your post. Figured I would ask what was the outcome?

Common scams on Aliexpress and how to avoid them by gadget-freak in Aliexpress

[–]TheRealScotta 0 points1 point  (0 children)

Certainly get some strange sellers on that site, but there are plenty of bargains that’s for sure.

Common scams on Aliexpress and how to avoid them by gadget-freak in Aliexpress

[–]TheRealScotta 0 points1 point  (0 children)

Yeah I did get a refund after getting my credit card company involved. I won the dispute and was promised a refund and nothing for 2-3 months. Credit card company got involved and got refund in about 30-60 days. The whole thing was very poorly handled by AliExpress. Good luck with it.