http://www.webmd.com/sex-relationships/slideshow-18-secrets-guys-wish-you-knew
-look at secret 3 of 18
"Men Take Commitment Seriously
Men have a reputation for being afraid to commit. But the evidence suggests men take marriage seriously. They may take longer to commit because they want to make sure they are onboard for good. In a survey of currently married men, 90% say they would marry the same woman again."
--
I came across this interesting statement that girls should take under consideration when a guy they like and that likes them back but is not ready to say, "You are perfect for me. Will you like to be in an exclusive relationship with me?" (Read "I want to stop meeting other girls.") He kind of has to keep meeting and talking with other people so he's confident you're the right fit so he feels sure about committing. Asking a guy to commit before he is ready is like telling him he has 30 seconds to decide if he wants to buy a $400,000 home with the same person living in it every single day for 70 years without taking a look at the inside of other houses. Then the girl says, "You can look but not touch others" which is interpreted as, "You can look at the outside of other houses on the market, but if you go in another house to look around, this house will be taken off the market for good, and all my friends with houses they may want to sell you will not ever offer them to you. You'll get a bad reputation, and become less datable in my social circles and my friends' social circles. You need to officially decline my offer before looking at other options. This is scary. $400,000 is a lot of money and 70 years is kind of long.
However, there are guys in the "player" phase of their life too. That may be a bit different.
My two cents is to ask yourself if you enjoy the person for who they are right now, including their current priorities (which are likely to be different than yours). If you like them for who they are at this moment in their life, just enjoy them for who they are. The alternatives are to leave them alone forever, or just keep in general contact until both of your priorities change to match (but don't put your life on hold. They may get snatched up by someone else, never change, or change in a way that doesn't make you comfortable as well.)
--------------
I do wonder about the traditional expectation for men to ask women out vs women asking men. Hanging out
-----
Another few tips from the page were...
"Men Say "I Love You" With Actions
Some men prefer to express their feelings through actions rather than words. Your guy may say "I love you" by fixing things around the house, tidying up the yard, or even taking out the trash -- anything that makes your world a better place."
--So like making you a milkshake, warming up a pizza for you, giving you chilled filtered water, folding his clothes, etc. are all ways of saying, "I care."
-------------------
Shared Activities Form Bonds
"Men strengthen their relationships primarily through shared activities more than by sharing thoughts or feelings. For many men, activities like sports and sex make them feel closer to their partner."
---Well, I have heard that plenty of marriages are strained by a lack of intimacy. In only one case of a couple living together, it was the girl that didn't feel they were doing it often enough. She then left him thinking he must be cheating on her. Generally speaking, it seems that guys are the ones that tend to be more irritable if there is not much intimacy.
---------------------
Men Learn From Their Fathers
If you want to know how a man will act in a relationship, get to know his dad. Some say men learn about their relationship role by watching and listening to their fathers. How they are with each other and how the father relates to the mother can predict how a man will relate to his wife.
---While not always the case, I can see that I picked up some things from my dad, like feeling a sense of accomplishment when finances are going well, even if no one else knows. Feeling good about security knowing life insurance is in place and that there are assets that can be sold off in case something happens to him/me. Also, if someone says "You're a terrible dad." or something, it can be taken personally because a lot of effort is put into attempts to be considered a good one. He buys tickets to shows because he thinks that's a treat and a way to show he cares though some people appreciate it less than him. He bought a Lincoln Town Car because he has the perception that it is a luxury vehicle and cares about his family. That makes sense to him because if he ever decides to drive to New York, he is thinking he wants to transport his larger parents in a comfortable vehicle and he thinks that is his duty as a son. I say I also have the duty to the environment and my finances to not buy a car that gets 18 miles to the gallon, but hey, we both have things we value. I am considering a Nissan Altima with plush leather seats because I want people to feel comfortable when riding with me, and I guess I too am willing to sacrifice some fuel efficiency for additional space and comfort. So maybe we are more alike than I thought. SO in summary, I think this is how my dad thinks he takes care of the family.
-A lot of life insurance
-Tops off the gas for all the cars when he is home on the weekend
-Gets oil changes regularly from Jiffy Lube (they are friendly, but have probably cost us some money in free advise)
-He'd buy groceries from Sam's Club to supplement the food from Aldi's my mom buys. She won't buy soda, and kids crave soda, so he taught us how to price shop for soda, food, and other things because buying the best value is an important life skill to him.
-He also used to take the kids out to eat at Sam's after church and Sunday school believing it was quality time. Instead of buying a pre-made pizza for like $12 at Sam's, he'd tell us to pick out a $9 frozen one from Sam's (exact same pizza) and ask the pizza place in Sam's to warm it up for us which they would do for free. That way we save $3 a week.
-A large comfortable house with room for his parents to stay if they visit (Pull out sofa, spare cots) I mean he bought a 5 bedroom 2.5 bath when there were only 3 people in the family. He also wanted a two door garage so both cars could be protected from storms. He believes in protecting his assets.
----------------------------------------
"Men Let Go Faster Than Women
Women tend to remember negative experiences longer and may have lingering feelings of stress, anxiety, or sadness. In contrast, men are less likely to dwell on unpleasant events and tend to move on more quickly. So while you may still want to talk about last night's argument, your guy may have already forgotten about it."
-True that brother. Ever been in a situation where a girl lists off things you've done or not done in the past year that she didn't appreciate, and you're stuck with only vague generalizations of things she could work on (just in case she asks what she could do to improve herself after listing the things you need to be aware of) because you can't even remember what you had for dinner? Seriously, just smile and enjoy what you have. If a girl becomes a nag or constantly brings up things from the past, she may not be worth keeping around. Be glad you didn't marry her, right? Not many guys could handle that every day.
------------
"Men Don't Pick Up on Subtle Cues
Men are more likely to miss subtle signals like tone of voice or facial expressions. And they are especially likely to miss sadness on a woman's face. If you want to make sure your guy gets the message, be direct."
--Thank you! Besides, if we do pick up that you're sad, we may likely assume it's our fault and what guy wants to hear what he did now... again? I guess it depends on the relationship. Also, if someone is down, do you let them stay down by asking them to talk about it? Or do you try to change the subject so they can be happy like you? It's probably situational. But girls should not expect guys to pick up on stuff. You'll probably be disappointed. I almost want to say have low expectations, but then again, I don't want the girl of my dreams to settle for a guy that can't care about her the way I am capable of, but choose not to be around people I am unsure of. I'm willing to do so much for the right person. But I don't want to do so much for the wrong person because she'd never want to leave me when i found the right person, or it would break her heart, and I don't want to break someone's heart. I may be taking this whole dating thing too seriously.
-------
"Men Respond to Appreciation
Showing appreciation for your guy can make a big difference in the way he acts. Take parenting. Studies show that fathers are more involved in care-giving when their wives value their involvement and see them as competent."
--I get all smiley, proud, and stuff when I feel appreciated. It's a bit silly, but it feels good and then I'm more likely to do stuff like that again.
------------
"Men Think About Sex ... A Lot
OK, so maybe this one is no secret. The majority of men under age 60 think about sex at least once a day, compared with only a quarter of women. And that's not all. Men fantasize about sex nearly twice as often as women do, and their fantasies are much more varied. They also think more about casual sex than women do. But thinking is not the same as doing."
--That's down from once every 60 seconds, another statistical rumor I heard.
--------------------------
"He Likes It When You Initiate Sex
Most guys feel as though they're the ones who always initiate sex. But they also like to be pursued and wish their partner would take the lead more often. Don't be shy about letting your guy know you're in the mood. Initiating sex some of the time may lead to a higher level of satisfaction for both of you."
--Imagine if someone you liked pushed you up against the wall, put her arms around your head and back and said..."For the next 30 minutes, you're mine" or something like that... Now stop imagining. That's about as close as you'll probably get to that happening if you're a guy. Girls don't seem to initiate physical things. If a guy initiates it all the time, he gets worried that he's doing it too often, not enough, being too forceful, not being forceful enough, etc.
-----
Men Like Pleasing Their Partner
"Your pleasure is important to your man. But he won't know what you want unless you tell him. Too many women feel uncomfortable talking about what they like and don't like. If you can tell him clearly in a way that doesn't bruise his ego, he'll listen. Because he knows he'll feel good if you feel good."
--How would you feel if your partner made you feel amazing, but she herself was like, "Eh". It's just kind of wrong. It makes you feel self-centered and worried she'll think you're self-centered or "just a boy being a boy". Ahhh! Of course faking is bad too (if we know) because we still feel like we aren't capable of something, especially when we are willing to try. Ok, fine. Sometimes, perhaps most of the time, it can be all about us and that's perfectly great. But every single time? It may make us wonder if it is more of a chore for you than something you enjoy.
--------------
"Men May Stray When Needs Aren't Met
If a man doesn't feel loved and appreciated in his relationship, he may turn elsewhere for satisfaction. For one man, that may mean burying himself in work. Another may develop a fixation on sports or video games. And some men cheat. To avoid this, partners need to work together to meet each other's needs."
--I've heard this before. Of course, you have to know what a guy's needs are and accept them, or logically convince him otherwise, but don't be optimistic.
---------------------------
"He's Vested in You
Most men realize there's a lot to lose if a long-term relationship goes sour – not just each other's company, but the entire life you've built together. If you're willing to work to strengthen your marriage, chances are your man will be, too."
--Is being accusational really helping to work things out? If not, why do girls have a tendency to do that? Fortunately I haven't had to really deal with this much in the past few years.
Friday, July 15, 2011
Thursday, July 14, 2011
The differences between a geek and a nerd
The terms may be used interchangeably, but they are a bit different.
A nerd is someone that is very smart, often specializing is something, stereotypically technology but also the sciences, math, or engineering. However, it can be applied to most any discipline with a qualifier. "He's pretty much a bike nerd. Ask him before you buy anything." Most generally, nerd is associated with someone good with technology, generally computers, at least through 2008 when tablets and smartphones started coming out. Now it may include those depending on how traditionally you take the term. Nerds traditionally were anti-social, but now nerds with social skills are becoming more common and can be people's best friends.
Geeks are typically an obsessed fan of something, like a TV series, traditionally something SciFi like Star Trek, Star Wars, and probably starting around the year 2000, also anime and manga. If you can recite the lines from the movie, you are probably a geek. Judgment is still out if you can recite the words from a present day Earth-based reality, such as a Sex and the City episode. You may just be called "a girl". People that dress up as characters from something are generally geeks. Amtgard (which can be fun) would definitely be a field of geeks swinging duct tape fun noodle swords at each other role playing as knights, maidens, a king, etc. Dressing up as "William Wallace" from Braveheart is just awesome. Some may consider that geeky, but an awesome geeky if at all. It's not really fictional, so it's hard to tie down. People into comic books would also fall under the geek label.
Traditionally, geeks are more likely to get average grades whereas nerds are likely to get in the top 10% of the class. Napoleon Dynamite was a geek. Stephen Hawking and Steve Wozniak are science and tech nerds. I took a test that said I'm a modern, cool nerd-the person people like to call when they have a question about something. I can live with that.
A nerd is someone that is very smart, often specializing is something, stereotypically technology but also the sciences, math, or engineering. However, it can be applied to most any discipline with a qualifier. "He's pretty much a bike nerd. Ask him before you buy anything." Most generally, nerd is associated with someone good with technology, generally computers, at least through 2008 when tablets and smartphones started coming out. Now it may include those depending on how traditionally you take the term. Nerds traditionally were anti-social, but now nerds with social skills are becoming more common and can be people's best friends.
Geeks are typically an obsessed fan of something, like a TV series, traditionally something SciFi like Star Trek, Star Wars, and probably starting around the year 2000, also anime and manga. If you can recite the lines from the movie, you are probably a geek. Judgment is still out if you can recite the words from a present day Earth-based reality, such as a Sex and the City episode. You may just be called "a girl". People that dress up as characters from something are generally geeks. Amtgard (which can be fun) would definitely be a field of geeks swinging duct tape fun noodle swords at each other role playing as knights, maidens, a king, etc. Dressing up as "William Wallace" from Braveheart is just awesome. Some may consider that geeky, but an awesome geeky if at all. It's not really fictional, so it's hard to tie down. People into comic books would also fall under the geek label.
Traditionally, geeks are more likely to get average grades whereas nerds are likely to get in the top 10% of the class. Napoleon Dynamite was a geek. Stephen Hawking and Steve Wozniak are science and tech nerds. I took a test that said I'm a modern, cool nerd-the person people like to call when they have a question about something. I can live with that.
Tuesday, July 12, 2011
Interesting stuff from the week
July 2011
More Reddit stuff!
This girl has more smarts than I gave her credit for. Nice play.
http://i.imgur.com/vOLHv.jpg
A real life Truman show with a photoimposed eggplant image...
http://www.neatorama.com/2011/02/07/the-adventures-of-eggplant/
Basically, what comebacks do you have when someone asks why you don't have a boyfriend/girlfriend?
-My in-laws couldn't conceive
-Are you asking me out?
-I'm skipping my first marriage
-You and mom are 15 years apart, I'm just waiting for the right 10 year old come along.
Taser tests meth ridden sheep to make sure death won't occur to humans on meth when tasered. This could be a joke, but the picture is pretty sweet.
http://imgur.com/s0vyv
http://www.reddit.com/r/AskReddit/comments/ime5t/whats_a_true_or_clever_answer_youve_given_to_the/
When someone asks you to send a link, send them this URL-http://dreager1.files.wordpress.com/2011/03/link1.jpg
Funny sleeping dog story.
http://imgur.com/rq5MJ
Four pictures explaining why men die earlier than women
http://imgur.com/a/piAqK#Rqgfk
Do you know what a shitzu is?
http://i.imgur.com/nmjCM.png
A new way to relax at the pool
http://imgur.com/PVnbi
This guy may need to step up his game
http://i.imgur.com/pzwXA.jpg
Are you raising a not so good kid?
Your indulgent parenting is spawning a generation of entitled hipster brats
http://i.imgur.com/m6khW.jpg
Pretty cool sculpture
http://i.imgur.com/afXb0.jpg
Snakes have forked tongues to smell in stereo
http://indianapublicmedia.org/amomentofscience/smelling-in-stereo/
Why not to get in my way! (Hehehe)
http://i.imgur.com/7p6tt.gif
You're easily offended
http://i.imgur.com/sNJ65.jpg
Dude. This kid killed Santa.
http://imgur.com/lWNkz
"Shaq really like popcorn"
http://o.onionstatic.com/images/articles/article/20169/SB-Shaq-Sits-R_jpg_630x1200_upscale_q85.jpg
Keyboard cat's less sophisticated cousin
http://i.imgur.com/RXQaO.jpg
Zidbits has lots of interesting factoids. Browse the site.
http://zidbits.com/2011/06/what-is-asbestos-and-why-was-it-banned/
---
Here are some picture hosting sites with their policies as of 2011.
Google+ will support unlimited picture and 15 minute video uploads. Not sure how good the interface will be for simply personal backup.
http://imgboot.com/ is another option for unlimited picture hosting. need to check it out. Supposedly saves full res versions unlike shutterfly which charges for those.
www.flikr.com by Yahoo has unlimited photo storage and 90 second video.
Picasa has unlimited photo storage, but only for pictures under 800 pixels and up to 15 minute videos.
One thing I look for is a static page link to pictures, at least for images I want to post in craigslist. The downside is lack of privacy.
---
People read web pages in an "F" shape
http://thenextweb.com/dd/2011/07/10/people-read-web-pages-in-an-f-shaped-pattern/
----
So I learned a few terms playing pick up volleyball games with strangers.
When someone says it's time for a watermelon break, they are referring to a busty girl about to walk past the court they want to check out, not the fruit. I laughed.
One guy playing volleyball asked a girl playing with us if she was seeing anyone, and she said she was "in an NST relationship". I asked what that was, completely not expecting it to be a shorthand reference to what I'd seen on hilarious personal ads on craigslist, but indeed it was a No Strings Attached relationship.
More Reddit stuff!
This girl has more smarts than I gave her credit for. Nice play.
http://i.imgur.com/vOLHv.jpg
A real life Truman show with a photoimposed eggplant image...
http://www.neatorama.com/2011/02/07/the-adventures-of-eggplant/
Basically, what comebacks do you have when someone asks why you don't have a boyfriend/girlfriend?
-My in-laws couldn't conceive
-Are you asking me out?
-I'm skipping my first marriage
-You and mom are 15 years apart, I'm just waiting for the right 10 year old come along.
Taser tests meth ridden sheep to make sure death won't occur to humans on meth when tasered. This could be a joke, but the picture is pretty sweet.
http://imgur.com/s0vyv
http://www.reddit.com/r/AskReddit/comments/ime5t/whats_a_true_or_clever_answer_youve_given_to_the/
When someone asks you to send a link, send them this URL-http://dreager1.files.wordpress.com/2011/03/link1.jpg
Funny sleeping dog story.
http://imgur.com/rq5MJ
Four pictures explaining why men die earlier than women
http://imgur.com/a/piAqK#Rqgfk
Do you know what a shitzu is?
http://i.imgur.com/nmjCM.png
A new way to relax at the pool
http://imgur.com/PVnbi
This guy may need to step up his game
http://i.imgur.com/pzwXA.jpg
Are you raising a not so good kid?
Your indulgent parenting is spawning a generation of entitled hipster brats
http://i.imgur.com/m6khW.jpg
Pretty cool sculpture
http://i.imgur.com/afXb0.jpg
Snakes have forked tongues to smell in stereo
http://indianapublicmedia.org/amomentofscience/smelling-in-stereo/
Why not to get in my way! (Hehehe)
http://i.imgur.com/7p6tt.gif
You're easily offended
http://i.imgur.com/sNJ65.jpg
Dude. This kid killed Santa.
http://imgur.com/lWNkz
"Shaq really like popcorn"
http://o.onionstatic.com/images/articles/article/20169/SB-Shaq-Sits-R_jpg_630x1200_upscale_q85.jpg
Keyboard cat's less sophisticated cousin
http://i.imgur.com/RXQaO.jpg
Zidbits has lots of interesting factoids. Browse the site.
http://zidbits.com/2011/06/what-is-asbestos-and-why-was-it-banned/
---
Here are some picture hosting sites with their policies as of 2011.
Google+ will support unlimited picture and 15 minute video uploads. Not sure how good the interface will be for simply personal backup.
http://imgboot.com/ is another option for unlimited picture hosting. need to check it out. Supposedly saves full res versions unlike shutterfly which charges for those.
www.flikr.com by Yahoo has unlimited photo storage and 90 second video.
Picasa has unlimited photo storage, but only for pictures under 800 pixels and up to 15 minute videos.
One thing I look for is a static page link to pictures, at least for images I want to post in craigslist. The downside is lack of privacy.
---
People read web pages in an "F" shape
http://thenextweb.com/dd/2011/07/10/people-read-web-pages-in-an-f-shaped-pattern/
----
So I learned a few terms playing pick up volleyball games with strangers.
When someone says it's time for a watermelon break, they are referring to a busty girl about to walk past the court they want to check out, not the fruit. I laughed.
One guy playing volleyball asked a girl playing with us if she was seeing anyone, and she said she was "in an NST relationship". I asked what that was, completely not expecting it to be a shorthand reference to what I'd seen on hilarious personal ads on craigslist, but indeed it was a No Strings Attached relationship.
Thursday, July 7, 2011
Bike Lock Anti-Theft Program (Will you actually qualify?)
After getting a $12ish dollar bike lock cable snipped and a $380 Fuji Roubaix bike I bought off craigslist that I was going to resell for $700ish (Current new price was $950 and original MSRP was like $1200-$1500), I bought a $44 U lock/cable combo pack with $1500 of anti-theft protection. That got me thinking about what I needed to do to qualify. There are different rules per manufacturer, but I don't know if I'd qualify.
It kind of seems like there are so many hoops to go through to process a claim, that there really isn't a good chance you can actually collect from the anti-theft warranty.
In Summary, Kryptonite does not require you to have a homeowners policy existing on your bike unlike Master Lock (Probably) and Bulldog (even more probably). With Kryptonite, you don't need the UPS You still only have 15 days to send in all paperwork including a reciept of your
Bulldog Lock policy
http://www.onguardlock.com/?page_id=486
2.2 Registration Form
Within 15 days of purchase of your OnGuard U-lock or chain lock, please completely fill in the OnGuard Lock Registration Form, and mail it, along with the following items to:
Todson, Inc.
Limited Anti-Theft Program Offer
73 North Washington Street
North Attleboro, MA 02760:
2.2.1 The original sales receipt clearly showing that you have purchased an OnGuard U-lock or chain lock and model number. The limited anti-theft program does not cover any cables or cutting of cables that accompany U-locks. Only the following model locks are covered under the anti-theft program: ------(How often would a thief cut the lock instead of the chain? The chain is usually the weak point. Oh, and ANY CABLES includes cables that come with the locks)
5000, 5001, 5002, 5003, 5004, 5005, 5006, 5006M, 5007, 5008, 5009, 5009LM, 5010, 5010LM, 5010C, 5011, 5012, 5012C, 5013, 5013TC, 5013TC7, 5014, 5014TC,5015, 5015TC, 5016, 5016L, 5017, 5017HD, 5017LPT, 5017HPT,5018, 5018HD, 5019, 5019L, 5019LP, 5019LPS, 5020, 5021, 5046, 5047,5048, 5048C, 5049, 5050, 5100, 5108, 5109, 5112.
2.2.2 A copy of the sales receipt of your vehicle, or if your sales receipt is not available, a signed and dated appraisal of your motorsport vehicle/bicycle by a reputable authorized dealer on that dealer’s business stationery. -------(Used bikes are likely appraised at about 50%-75% of a new one.)
2.2.3 If you qualify for the anti-theft program, you may purchase one (1) year of coverage for $1.00 (USD); two (2) years for $10.00 (USD);(3) years for $15.00 (USD). To purchase additional coverage, enclose a check (USD) made payable to Todson, Inc. with the paperwork required for registration. Coverage may only be purchased within 15 days of purchasing your OnGuard Lock. -------(So within 15 days of buying the lock, you have to actually take the extra step and purchase the insurance on top of filling out paperwork. I'm not sure if you have to have your bike registered under your insurance policy. It asks for that info. What if you don't have an existing policy?)
3. Limitations and Conditions of Limited Anti-theft Program Offer
3.1 This limited anti-theft program offer applies only if you satisfy all if the requirements within the time periods set forth below.
3.2 Todson, Inc. will NOT be liable if theft occurred where:
3.2.1 The vehicle was not properly locked to a solidly anchored immovable post or object,
3.2.2 The object to which the vehicle was locked was dismantled or cut,
3.2.3 The frame of the vehicle was cut,
3.2.4 The OnGuard lock was not broken or opened by forceful means,
3.2.5 Torches, battery operated tools or power tools were used to open the lock.
3.3 Todson, Inc.’s liability under this limited anti-theft program shall be determined by the following formula: A – B = C, where:
A = the base purchase price of the stolen vehicle including manufacturer’s original equipment and excluding separately purchased accessories and taxes or the maximum applicable program amount whichever is less, and
B = the amount of any home owner’s or other insurance proceeds paid as a result of the theft, and
C = Todson Inc.’s maximum liability subject to the value limitation as identified on the package of your lock.
3.4. This limited anti-theft program does not cover:
A. vehicles used commercially (rental, delivery bikes, etc.),
B. damages to a vehicle in connection with attempted theft, (So if a crowbar breaks the spokes in the wheel, or bends the crank, or the people steal the handlebars, unsecured wheels
C. thefts occurring outside the United States of America, its territories and possessions.
3.5 The maximum amount to be paid to any owner depends on the lock model and its usage, regardless of the number of vehicle(s) belonging to such owner. (Speaking of multiple vehicles, what if I alternated the one lock between 3 bikes? It seems like I can only register one bike to each lock. Lame....)
4. To File A Claim Under This Limited Anti-theft Program
4.1 Report the theft to the police within 72 hours. FAILURE TO REPORT THE THEFT TO POLICE WITHIN 72 HOURS OF DISCOVERY VOIDS THIS LIMITED ANTI- THEFT PROGRAM.
4.2 Notify Todson, Inc. in writing within seven (7) days of the theft by certified mail, return receipt requested, to the above address and include:
4.2.1 a copy of the police report indicating that you reported the theft within 72 hours of discovery, (Yeah, if you dial 311 as I was told to by the biking police people, the non-emergency 911, you talk to someone who takes down your police report over the phone. How do I get a copy of that? If I had the police station mail a copy, there is a good chance I would not get it for 4-14 days and be outside of the 7-day time restriction-unless I took 3-4 hours out of my day to file a report at the police station and asked them for a copy-which they may or may not do, to get a copy of the report the same day to mail)
4.2.2 a copy of the claim filed with your insurance company, if applicable, (If I don't have insurance on your bike, it better not be applicable. Sheesh, I go through a bike or two ever month or so. Too much paperwork.)
4.2.3 at least one original key from your OnGuard lock,
4.2.4 your broken OnGuard lock, and (Which the thieves leave there 100% of the time..?)
4.2.5 your Registration Form, and all applicable attachments, if not previously submitted. (Didn't you have to mail this in within 15 days after purchase?)
4.3 After Todson, Inc. receives all the materials listed above, Todson, Inc. will instruct you of any further steps necessary to process your claim. Todson, Inc. reserves the right to fully investigate your claim and request additional information it deems necessary to determine the validity of a claim. Todson reserves the right to deny claims that it cannot substantiate or that it deems to be false, misleading, or fraudulent.
-----------
Master Lock has a similar story
They make the "Street Cuff" (one with a 9 link chain one with a 1-3 link chain) that the police force invested in since police bikes were getting stolen.
http://www.masterlock.com/cms/support/bike_anti_theft_guarantee
http://www.masterlockbike.com/pdfs/antitheft_1000.pdf
There are links to the PDFs with the small print. In summary, master Lock will only pay if the lock itself is forced open or cut on select models. All paperwork has to be completed within 15 days of purchasing and it is only good for ONE YEAR.
Only U-locks and the Street Cuff models have the anti-theft warranty. No chain or cable locks qualify for the warranty. (From that I can infer that the chain and cable locks.... are at a high risk for being forcibly removed.) You need to have your bike registered with an official authority. You need the ORIGINAL UPC code from the box (not a copy) AND reciept... wow. Who saves those? Also a copy of the sales receipt from the bike dealer or a signed and dated appraisal from "your dealer" on the dealer's letterhead.
Here are some kickers with Master Lock
You need a copy of the detailed police report from within 72 hours of the theft.
2. YOU NEED A COPY OF THE CLAIM FILED WITH YOUR INSURANCE COMPANY.... wait... I don't have a policy for my bike... so I don't qualify?
3. BOTH original keys from the Master Lock (and if you loose one like people tend to do... you loose)
----------
For Kryptonite, they seem a bit more easygoing
http://www.kryptonitelock.com/CustomerService/FAQ.aspx
"If you would like to send in the paperwork but have already discarded the package, or the shop didn't give it to you at purchase, here are the things you will need to do within 15 days after you purchased your lock. Send the following items to Kryptonite or its authorized representatives outside of the U.S (Canada, Germany and the UK only):
* Your completed Kryptonite Lock registration form (if you need a new one, please contact customer service at letters@irco.com)
* A copy of your itemized lock bill of sale
* A copy of your itemized vehicle bill of sale, or a dated and signed dealer appraisal reflecting market value (not including tax and accessories)
* Proof of bicycle or vehicle registration (if available, not required)
* A check or money order for the coverage on locks that require payment for the first year or to extend the offer for a maximum of three years."
---It is my understanding that you must have homeowners' insurance to take part in the anti-theft protection offer. What are the parameters?---
We've heard that, too, but it just isn't true. Unlike other companies, Kryptonite does not require you to have homeowners', or any other insurance, to register for the anti-theft protection offer. Kryptonite covers the base purchase price of your registered item, excluding accessories and tax.
Should you have insurance, in most cases the insurance company will cover the total value of the item stolen. However, if they do not, we will pay the amount of your deductible
It kind of seems like there are so many hoops to go through to process a claim, that there really isn't a good chance you can actually collect from the anti-theft warranty.
In Summary, Kryptonite does not require you to have a homeowners policy existing on your bike unlike Master Lock (Probably) and Bulldog (even more probably). With Kryptonite, you don't need the UPS You still only have 15 days to send in all paperwork including a reciept of your
Bulldog Lock policy
http://www.onguardlock.com/?page_id=486
2.2 Registration Form
Within 15 days of purchase of your OnGuard U-lock or chain lock, please completely fill in the OnGuard Lock Registration Form, and mail it, along with the following items to:
Todson, Inc.
Limited Anti-Theft Program Offer
73 North Washington Street
North Attleboro, MA 02760:
2.2.1 The original sales receipt clearly showing that you have purchased an OnGuard U-lock or chain lock and model number. The limited anti-theft program does not cover any cables or cutting of cables that accompany U-locks. Only the following model locks are covered under the anti-theft program: ------(How often would a thief cut the lock instead of the chain? The chain is usually the weak point. Oh, and ANY CABLES includes cables that come with the locks)
5000, 5001, 5002, 5003, 5004, 5005, 5006, 5006M, 5007, 5008, 5009, 5009LM, 5010, 5010LM, 5010C, 5011, 5012, 5012C, 5013, 5013TC, 5013TC7, 5014, 5014TC,5015, 5015TC, 5016, 5016L, 5017, 5017HD, 5017LPT, 5017HPT,5018, 5018HD, 5019, 5019L, 5019LP, 5019LPS, 5020, 5021, 5046, 5047,5048, 5048C, 5049, 5050, 5100, 5108, 5109, 5112.
2.2.2 A copy of the sales receipt of your vehicle, or if your sales receipt is not available, a signed and dated appraisal of your motorsport vehicle/bicycle by a reputable authorized dealer on that dealer’s business stationery. -------(Used bikes are likely appraised at about 50%-75% of a new one.)
2.2.3 If you qualify for the anti-theft program, you may purchase one (1) year of coverage for $1.00 (USD); two (2) years for $10.00 (USD);(3) years for $15.00 (USD). To purchase additional coverage, enclose a check (USD) made payable to Todson, Inc. with the paperwork required for registration. Coverage may only be purchased within 15 days of purchasing your OnGuard Lock. -------(So within 15 days of buying the lock, you have to actually take the extra step and purchase the insurance on top of filling out paperwork. I'm not sure if you have to have your bike registered under your insurance policy. It asks for that info. What if you don't have an existing policy?)
3. Limitations and Conditions of Limited Anti-theft Program Offer
3.1 This limited anti-theft program offer applies only if you satisfy all if the requirements within the time periods set forth below.
3.2 Todson, Inc. will NOT be liable if theft occurred where:
3.2.1 The vehicle was not properly locked to a solidly anchored immovable post or object,
3.2.2 The object to which the vehicle was locked was dismantled or cut,
3.2.3 The frame of the vehicle was cut,
3.2.4 The OnGuard lock was not broken or opened by forceful means,
3.2.5 Torches, battery operated tools or power tools were used to open the lock.
3.3 Todson, Inc.’s liability under this limited anti-theft program shall be determined by the following formula: A – B = C, where:
A = the base purchase price of the stolen vehicle including manufacturer’s original equipment and excluding separately purchased accessories and taxes or the maximum applicable program amount whichever is less, and
B = the amount of any home owner’s or other insurance proceeds paid as a result of the theft, and
C = Todson Inc.’s maximum liability subject to the value limitation as identified on the package of your lock.
3.4. This limited anti-theft program does not cover:
A. vehicles used commercially (rental, delivery bikes, etc.),
B. damages to a vehicle in connection with attempted theft, (So if a crowbar breaks the spokes in the wheel, or bends the crank, or the people steal the handlebars, unsecured wheels
C. thefts occurring outside the United States of America, its territories and possessions.
3.5 The maximum amount to be paid to any owner depends on the lock model and its usage, regardless of the number of vehicle(s) belonging to such owner. (Speaking of multiple vehicles, what if I alternated the one lock between 3 bikes? It seems like I can only register one bike to each lock. Lame....)
4. To File A Claim Under This Limited Anti-theft Program
4.1 Report the theft to the police within 72 hours. FAILURE TO REPORT THE THEFT TO POLICE WITHIN 72 HOURS OF DISCOVERY VOIDS THIS LIMITED ANTI- THEFT PROGRAM.
4.2 Notify Todson, Inc. in writing within seven (7) days of the theft by certified mail, return receipt requested, to the above address and include:
4.2.1 a copy of the police report indicating that you reported the theft within 72 hours of discovery, (Yeah, if you dial 311 as I was told to by the biking police people, the non-emergency 911, you talk to someone who takes down your police report over the phone. How do I get a copy of that? If I had the police station mail a copy, there is a good chance I would not get it for 4-14 days and be outside of the 7-day time restriction-unless I took 3-4 hours out of my day to file a report at the police station and asked them for a copy-which they may or may not do, to get a copy of the report the same day to mail)
4.2.2 a copy of the claim filed with your insurance company, if applicable, (If I don't have insurance on your bike, it better not be applicable. Sheesh, I go through a bike or two ever month or so. Too much paperwork.)
4.2.3 at least one original key from your OnGuard lock,
4.2.4 your broken OnGuard lock, and (Which the thieves leave there 100% of the time..?)
4.2.5 your Registration Form, and all applicable attachments, if not previously submitted. (Didn't you have to mail this in within 15 days after purchase?)
4.3 After Todson, Inc. receives all the materials listed above, Todson, Inc. will instruct you of any further steps necessary to process your claim. Todson, Inc. reserves the right to fully investigate your claim and request additional information it deems necessary to determine the validity of a claim. Todson reserves the right to deny claims that it cannot substantiate or that it deems to be false, misleading, or fraudulent.
-----------
Master Lock has a similar story
They make the "Street Cuff" (one with a 9 link chain one with a 1-3 link chain) that the police force invested in since police bikes were getting stolen.
http://www.masterlock.com/cms/support/bike_anti_theft_guarantee
http://www.masterlockbike.com/pdfs/antitheft_1000.pdf
There are links to the PDFs with the small print. In summary, master Lock will only pay if the lock itself is forced open or cut on select models. All paperwork has to be completed within 15 days of purchasing and it is only good for ONE YEAR.
Only U-locks and the Street Cuff models have the anti-theft warranty. No chain or cable locks qualify for the warranty. (From that I can infer that the chain and cable locks.... are at a high risk for being forcibly removed.) You need to have your bike registered with an official authority. You need the ORIGINAL UPC code from the box (not a copy) AND reciept... wow. Who saves those? Also a copy of the sales receipt from the bike dealer or a signed and dated appraisal from "your dealer" on the dealer's letterhead.
Here are some kickers with Master Lock
You need a copy of the detailed police report from within 72 hours of the theft.
2. YOU NEED A COPY OF THE CLAIM FILED WITH YOUR INSURANCE COMPANY.... wait... I don't have a policy for my bike... so I don't qualify?
3. BOTH original keys from the Master Lock (and if you loose one like people tend to do... you loose)
----------
For Kryptonite, they seem a bit more easygoing
http://www.kryptonitelock.com/CustomerService/FAQ.aspx
"If you would like to send in the paperwork but have already discarded the package, or the shop didn't give it to you at purchase, here are the things you will need to do within 15 days after you purchased your lock. Send the following items to Kryptonite or its authorized representatives outside of the U.S (Canada, Germany and the UK only):
* Your completed Kryptonite Lock registration form (if you need a new one, please contact customer service at letters@irco.com)
* A copy of your itemized lock bill of sale
* A copy of your itemized vehicle bill of sale, or a dated and signed dealer appraisal reflecting market value (not including tax and accessories)
* Proof of bicycle or vehicle registration (if available, not required)
* A check or money order for the coverage on locks that require payment for the first year or to extend the offer for a maximum of three years."
---It is my understanding that you must have homeowners' insurance to take part in the anti-theft protection offer. What are the parameters?---
We've heard that, too, but it just isn't true. Unlike other companies, Kryptonite does not require you to have homeowners', or any other insurance, to register for the anti-theft protection offer. Kryptonite covers the base purchase price of your registered item, excluding accessories and tax.
Should you have insurance, in most cases the insurance company will cover the total value of the item stolen. However, if they do not, we will pay the amount of your deductible
Friday, July 1, 2011
Renting thoughts
So I am paying $700 a month for rent, utilities, and a pool of money to fix up the place. Say $600 of that is actually rent. (3 bedroom, shared living room, kitchen, bathroom, washer dryer)
I hopped on an amortization calculator today (google it), and tried to see how much I'd have to pay per month to own a home. For a $270,000 home at a 30 year mortgage (though I'd pay extra per month and make it a 15-20 year) it would cost about $1800 a month (plus taxes). But then you get to sell it for the cost (minus the interest paid). I wonder how much of that goes to interest and how much you pay in taxes. The house is bigger... and you could possibly lease it out... Interesting.
Homeowner's insurance
Sewer
tax
replacement of parts
I hopped on an amortization calculator today (google it), and tried to see how much I'd have to pay per month to own a home. For a $270,000 home at a 30 year mortgage (though I'd pay extra per month and make it a 15-20 year) it would cost about $1800 a month (plus taxes). But then you get to sell it for the cost (minus the interest paid). I wonder how much of that goes to interest and how much you pay in taxes. The house is bigger... and you could possibly lease it out... Interesting.
Homeowner's insurance
Sewer
tax
replacement of parts
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