Thursday, January 2, 2014

I'm renting a fully furnished apartment in Montreal. Do I need to get content insurance?

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I'm renting a fully furnished apartment in Montreal. All of the furnishings are supplied and owned by my landlord but he has advised that I need to get content insurance. My only belongings are clothes, kids toys, a laptop, digital camera and my bicycle.

Am I obligated to get content insurance?



Answer
A lot of insurance companies that you have your car with will offer renters insurance for little or nothing.. I've seen them advertising it as little as $5 a month if you carry car insurance with them, but by no means are you required to carry renters insurance.

How did people in the 50's entertain themselves?

Q. As in How did they Communicate? What Music did they listen to and how did they listen to it? What type of clothes did they wear? What was it like doing things without the technology we have today?


Answer
We did not need all the instant communication and instant gratification folks must have now. We actually read books ( imagine that!) , listened to the radio, Actually the radio was in some ways better than TV- you had to use your imagination when listening to a mystery story, etc. The telephone was around of course, but no calls trying to sell something. And you always called at a courteous hour.

We called the women " Ma'am", and the men "SIr", and to refer to anyone in derogatory terms as a kid, was to risk the wrath of your parents. I grew up in South Florida, so there was fishing- used to go out over the second reef- 20+ miles out in a 16 foot skiff with 5 hp motor, and thought nothing of it. Tramped around the Everglades and the Big Cypress a lot when old enough to drive there.

No power mowers- you mowed the lawn with a push reel type mower. In High School, the most common transportation was a bicycle, only a few had cars. We could leave school at lunchtime if we were back in class on time. Dress was very conservative by today's standards- jeans and shirts for the boys mainly, dresses for the girls, Only the rowdy "bad boys" smoked, and I was not aware of any drugs in HS. There may have been some, but I was never approached.

A friend of mine and I built a twin-engine radio controlled bomber, with two radio controls- one to fly the plane the other to operate the bomb bays. That was when you had to BUILD the radio control units- no hobby stores to sell them ready made. Would bomb the basketball courts on Saturdays with a kind of firecracker that exploded on impact.

We built a pram- a little 8 foot long boat and used it to explore the local rivers and lakes. Folks were very obliging in helping us move it around before we had a car. My first car was after I was out of High School- a car 3 years older than I was. Amazing how long a car can last with no maintenence. Cost $75, as I recall.

The Miami Serpentarium would pay 25 cents a foot for Cottonmouths, 50 cents a foot for live Rattlesnakes, so we earned our money doing chores for local businesses and catching snakes in the Everglades. I was packing a .45 automatic at age 15 out in the woods, and no one thought anything of it. I once rode the bus downtown carrying a rifle that needed to be fixed to a gunsmith. The bolt was out, but not everyone could see that. Nowadays, that would bring out the SWAT team. No one was concerned then. We never locked our doors. In fact, when we decided it might be a good idea to lock the house when everyone was out, we could not find the keys.

So- we were busy, not bored. We were expected to be able to take care of ourselves . We learned to be independent, not dependent.

We were expected to show respect to our elders. If we did something wrong, you can bet our folks knew about it before we got home. I did NOT want to get my father angry at me.

If we wanted something, we had to earn it. I sold newspapers to buy my first BB gun. Had a newspaper route for about 3 years. You went house to house to collect. No credit cards, business was cash only. If you did not have the money, you earned it or did without.
Everyone's memories are different, depending on where they grew up, but the basics were the same. You learned to earn your way. You did not expect someone to solve your problems for you. You were civil to people. And you were expected , and assumed to be , honest until you proved you were not.




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