Slugbaby
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Re: I've been robbed
2016/05/30 09:10:25
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☄ Helpfulby robert_e_bone 2016/05/30 10:31:06
bitflipper Now the insurance company - USAA - tells me they can't change the name on my homeowner's policy until it renews in March 2017, even after I've taken my wife's name off the deed. Consequently, this and any future claim cannot be settled until next year because they can't make any payouts. Do you have one of those "fixing corporate wrongs" segments in a local newscast? We have local reporters that would pick up a story like this and fight for the little guy (on camera). A widower whose insurance submission is being refused due to a paperwork oversight like this would be right up their alley, especially when it's obvious that you've been paying for this service that they're now refusing to provide.
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bitflipper
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Re: I've been robbed
2016/05/30 11:27:25
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I am reluctant to play the victim - at least, not yet - because apparently lt was my duty to change the name on my home's deed when my wife died. Or something. Yeah, I know. Who's thinking about stuff like that after a death in the family? I was more concerned with what I was going to do with my life, how to console my family, how to pay her medical bills, how to keep my sanity and not fall into a spiral of depression. Not "oh, I'd better get down to the courthouse". And when she was diagnosed with cancer, my first thought was not that I need to draw up and notarize a Power of Attorney. It wasn't my second, third or fourth thought, either. If I thought about legal issues at all, it was to assume that I didn't need any special authority to manage her/our affairs. There were no issues with changing names on bank accounts. Only on junk mail and spam lists, which apparently are forever. I can count on them to remind me of my loss every stinkin' day. Heck, I'm still getting solicitations to save the whales addressed to my dad, who died in 2002. On a positive note, I had bacon for breakfast yesterday, cooked for me by my grandson. I haven't had bacon in years.
 All else is in doubt, so this is the truth I cling to. My Stuff
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Slugbaby
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Re: I've been robbed
2016/05/30 11:42:30
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You're not "playing the victim." You'd be standing up for your rights - all you're asking for is the service you've been paying for. It's not like you stopped paying them... I understand your not wanting to look like a whiner, but this is what they count on.
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John
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Re: I've been robbed
2016/05/30 11:47:19
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I wish I could be of help Dave. I do think a good lawyer might be a good move for you if you know of one.
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John
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Re: I've been robbed
2016/05/30 11:47:19
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I wish I could be of help Dave. I do think a good lawyer might be a good move for you if you know of one.
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dmbaer
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Re: I've been robbed
2016/05/30 16:58:17
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bitflipper Yeah, I know. Who's thinking about stuff like that after a death in the family? I was more concerned with what I was going to do with my life, how to console my family, how to pay her medical bills, how to keep my sanity and not fall into a spiral of depression. Not "oh, I'd better get down to the courthouse". And when she was diagnosed with cancer, my first thought was not that I need to draw up and notarize a Power of Attorney. It wasn't my second, third or fourth thought, either. If I thought about legal issues at all, it was to assume that I didn't need any special authority to manage her/our affairs.
If ever there was a good advertisement for getting "your affairs in order" prior to a demise, this is as good as any. Doing that is not any fun - even thinking about it is not any fun. But trust me, you will sleep better if you take the trouble. And it turns out that it isn't all that much trouble - especially if you have younger family member(s) competent and trustworthy enough to be named as your executor (not having any kids, this was a challenge for me). One's spouse has to cooperate. Mine dragged her feet for almost ten years before willing to invest a little effort into getting an estate plan put together. It took the unexpected death of my younger brother (heart attack at about age 64) to make her wake up to the fact that having a solid estate plan is a good thing. I got a full trust package (I own one property, my home) for under 700 bucks. If you don't need a trust, then just a will, medical directives and power of attorney designations can be had for considerably less money. I know it's hella more fun to feed your GAS, but ...
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ampfixer
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Re: I've been robbed
2016/05/30 17:20:33
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Good point David. I'm working on a "black box" right now. Just like the airlines, mine is bright orange and contains my will, P.O.A., life insurance etc. I've told my family that if I go down, just get the black box and all the important stuff will be there for them. It's tough to face these things but time gives a pass to no one.
Regards, John I want to make it clear that I am an Eedjit. I have no direct, or indirect, knowledge of business, the music industry, forum threads or the meaning of life. I know about amps. WIN 10 Pro X64, I7-3770k 16 gigs, ASUS Z77 pro, AMD 7950 3 gig, Steinberg UR44, A-Pro 500, Sonar Platinum, KRK Rokit 6
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Beepster
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Re: I've been robbed
2016/05/30 20:06:35
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Forget the news. Call the insurance regulator/ombudsman... or whatever it's called. Insurance companies are regulated so they don't TOTALLY rip everyone off. This sounds like the type of thing that should be reported. Just a whiff of the watchdogs coming around might change their tune. Your taxes pay for these types of consumer protections. PS: I keep checking this thread for the happy ending. I am disapoint. Shake 'er up bit.
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Beepster
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Re: I've been robbed
2016/05/30 20:15:17
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But a news story would definitely be a good shaming for the buggers. Cops sound like they could use a good shaming too. The thieves? Dragged over carpet tacks and dipped in Lemon Pledge. Stealing a man's tools is the lowest of the low.
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DrLumen
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Re: I've been robbed
2016/05/30 21:55:51
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There is a lot fishy with the insurance company trying to pull that crap. As someone said, they expect you to pay 9 months for no coverage. I would almost bet when you cancel this policy to get one in your name they will say this was a prior claim and wont pay it. I hope that is not the case. I guess I'm just thinking like a sleazy insurance company... You're in WA state right bit? Have you tried the insurance board? It may not be quick process but something they may want look into. https://www.insurance.wa.gov/complaints-and-fraud/file-a-complaint/
-When the going gets weird, the weird turn pro.
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jbow
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Re: I've been robbed
2016/05/31 13:47:18
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bitflipper An acquaintance was burgled, and one of the stolen items was an iPad that had locator software installed on it (in case of theft). Using the software he was able to drive straight to the crooks' house. Think he got his iPad (or anything else) back? Nope. The iPad reporting its own location was not deemed sufficient evidence for the cops to take any action. I guess it only works if you handle the recovery yourself:
Julien: yeh, I've thought of the same thing. It's also occurred to me that they're thinking "if he had all that cool stuff in the garage, what's he got in the house?". So I am assuming the risk is still high, at least until I get my new door installed and the camera fully functional. I'll have the new door in about two weeks. Fingers crossed in the meantime. And you never know, they could even get busted. I can dream.
My granddaughters iPod was stolen a couple years ago. They did a jailbreak on it but the locate still worked. She kept pinging it until she got a response then drove to where it was. Found the house, talked to a neighbor that she knew and found out that the people who lived in the "house" were not well thought of and thought to be criminal. SO... she asked her friend to watch the school bus and her friend saw a girl get off the bus and walk to the house with the iPod in her hand. My daughter called the police as she was driving over there. Of course they told her to wait but she told them that they better come. They did, she did. She/they went to the door and the girl denied everything however the mom came home about that time and the as the girl was denying having it and saying that she didn't know where it was her little brother said, "yes you do, you put it in the grill on the deck", LOL. Mom told her to go get it ad after a little back and forth she did go get it. My daughter got it all restored and didn't press charges but the police did use the evidence that the "locate" said that the phone was there, plus IIRC, they sort of knew these people. I don't understand why the police wont do their job. I guess you may need to cause a disturbance of some sort without exposing yourself to charges so the police will get the message that if they don't do something, something worse may happen. I'd talk to your detective friend from the other town. I bet if he were to accompany you, out of uniform, the locals would have a different attitude. I haven't read everything in the last couple pages yet but I will now. Rock the boat. Call the mayors office. Call the governors office. Call everyone you can think of to make 'stuff" roll downhill on the police who aren't doing their job. Make them want you to go away and know that will only happen if they do their job. Things like this piss me off. I still think a visit from some local outlaw bikers would do wonders. Of course you need someone who isn't crazy but who just lets it be known that within two days some certain stuff needs to happen, without naming it or you but still letting them know. Sometimes only fear works on criminals. It looks like right now, they have nothing to fear so why should they do anything? IDK, it's probably a stupid idea and easy for me to say... The best to you. J
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jbow
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Re: I've been robbed
2016/05/31 13:52:05
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bitflipper Now the insurance company - USAA - tells me they can't change the name on my homeowner's policy until it renews in March 2017, even after I've taken my wife's name off the deed. Consequently, this and any future claim cannot be settled until next year because they can't make any payouts. In the meantime, as my credit card issuer they're making 15% interest on the replacement gear I've charged to it. Oh, they're quite apologetic, but say rules are rules. Even if I dutifully continue to pay my premiums for the coming year, I am effectively uninsured until next March. I won't be replacing my DAW this year. I'll continue to update this thread if anything happens, but there's not much point in hanging out in a forum about a pastime I no longer participate in, so I'm afraid this is gonna be one of those much-mocked "I'm outa here" threads. See ya.
Call your state insurance commissioners office and open a case. Insurance companies don't like that. I've had to do it and they responded pretty quickly and favorably... then again that was maybe 25 years ago, the world was much more sane. Still.. can't hurt. It's what they are there for. J BTW. I have had a family member steal from me twice. The same one who got herself a card on my mom's Discover account and spent 10s of thousands of dollars on it. My dad didn't want to press charges so we never did. I wised up and kept the stuff she was stealing from me locked in the car. Good grief. It is a bad bad world. Full of bad people. From all I can tell, you are one of the "good guys". Stay that way, it seems to be a dying breed.
post edited by jbow - 2016/05/31 14:14:49
Sonar Platinum Studiocat Pro 16G RAM (some bells and whistles) HP Pavilion dm4 1165-dx (i5)-8G RAM Octa-Capture KRK Rokit-8s MIDI keyboards... Control Pad mics. I HATE THIS CMPUTER KEYBARD!
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dmbaer
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Re: I've been robbed
2016/05/31 17:22:20
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ampfixer I'm working on a "black box" right now. Just like the airlines, mine is bright orange and contains my will, P.O.A., life insurance etc. I've told my family that if I go down, just get the black box and all the important stuff will be there for them.
Good plan. People's black boxes should also contain some things you don't need an attorney to assemble. It should contain a list of people to notify (for us here, hopefully another forum member who can announce the news on this forum). It should also contain a list of things to cancel - everything from credit cards to newspaper subscriptions. Review the list annually to make sure it is up to date. If you have heirs you want to see get the maximum inheritance, keeping the post-demise costs to a minimum is important and this could definitely help.
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bitflipper
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Re: I've been robbed
2016/06/01 08:02:39
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Work has kept me busy - I'm out of town today on business - so I haven't had time to get to the courthouse yet. Hopefully, I'll get there tomorrow and hopefully they'll not make it hard to change the name on the deed, and hopefully the insurance company will cooperate. Hopefully, the police will finally tell me something. Anything. Hopefully, I will not have to appeal to the state Insurance Commissioner or the media. A lot's hinging on hope.
 All else is in doubt, so this is the truth I cling to. My Stuff
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michaelhanson
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Re: I've been robbed
2016/06/01 09:31:02
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I had to file a complaint with the State Insurance Commissioner 6 months back when I was hit by an illegal alien, uninsured motorist, with no drivers license. Once you file a complaint, they had to address it, by law and come to a conclusion within 30 days in Texas. In my case, I was only asking for the person to be declared an "uninsured motorist" so as to get 3/4 of my $1,000 deductible back, from my own insurance company. If you don't get resolution, that's what I would do, Bit.
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spacey
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Re: I've been robbed
2016/06/01 09:31:34
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ampfixer Good point David. I'm working on a "black box" right now. Just like the airlines, mine is bright orange and contains my will, P.O.A., life insurance etc. I've told my family that if I go down, just get the black box and all the important stuff will be there for them. It's tough to face these things but time gives a pass to no one.
For many years we have kept any and all important documents in a box at one of our banks. My wife is going there today to get a copy of our marriage license. She needs to mail a copy and they'll do that...they'd probably mail it too if she wanted. I don't know of a safer place for deeds, titles, wills, certificates, etc. and our relatives know where to get them when needed. We're comfortable with the method.
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Slugbaby
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Re: I've been robbed
2016/06/01 09:49:17
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spacey For many years we have kept any and all important documents in a box at one of our banks. My wife is going there today to get a copy of our marriage license. She needs to mail a copy and they'll do that...they'd probably mail it too if she wanted. I don't know of a safer place for deeds, titles, wills, certificates, etc. and our relatives know where to get them when needed. We're comfortable with the method.
I do that too. Passports, birth certificates, marriage certificate, insurance papers, , photocopies of ID that we carry with us, home ownership stuff, and a DVD showing photos and serial numbers of all my musical equipment. Well worth the $40/year cost.
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Jonbouy
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Re: I've been robbed
2016/06/01 21:40:09
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Cops and Robbers in a tale that only true life can invent, they say, truth is far stranger than any work of fiction and here's proof. Justice too can run far deeper and ultimately fairer than the mechanism society has in place that it calls law, and I'm hoping soon Dave that you come through this situation with far more than you entered into it with in whatever form that turns out to be. All the best to you and safe to say you'll be in my thoughts for some time after reading this thread.
post edited by Jonbouy - 2016/06/01 22:04:46
"We can't do anything to change the world until capitalism crumbles. In the meantime we should all go shopping to console ourselves" - Banksy
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bitflipper
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Re: I've been robbed
2016/06/02 10:05:54
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Slugbaby I do that too. Passports, birth certificates, marriage certificate, insurance papers, , photocopies of ID that we carry with us, home ownership stuff, and a DVD showing photos and serial numbers of all my musical equipment. Well worth the $40/year cost.
Yesterday, as I was getting out of the car in my customer's parking lot, something fell out of my laptop case. Fortunately, I heard it drop. To my horror, I looked down to see it was my passport, which I'd forgotten was in the laptop case. Probably not the best place for long-term storage, eh?
 All else is in doubt, so this is the truth I cling to. My Stuff
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jackn2mpu
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Re: I've been robbed
2016/06/04 12:27:43
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Damn - I go away for a couple of years and come back when I heard the news about Hades having frozen over and Sonar going to be available on Macs and now I read this - not good at all. Hopefully Bit you get things straightened out with the insurance authorities and other legalities. The one thing I got lucky with when my dad passed back in 2002 down in Florida (I was the estate executor) was I had a great attorney down there helping me out (was a long time friend of my dad's) and she kept me on my toes with all the little things I had to do. That was a blessing as I live up in NJ and only travel by train so frequent commutes down weren't in order. Like Spacey my wife and I keep all our important documents in a safe deposit box at our bank's branch which is literally 5 blocks from my house. Stay safe and sane my friend.
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Guitarhacker
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Re: I've been robbed
2016/06/05 08:41:37
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Yeah.... ditto..... I would run that little SNAFU up the flagpole. There's no reason the insurance company and the bank should be giving you that sort of run around over the check and the names on it. If you have a death certificate that you can send them, that should suffice to get the check deposited. The state insurance commissioner would be able to assist you with this matter I'm sure. This situation is a fairly common one. Robberies and break-ins are fairly common (believe it or not) when someone dies. The household is in turmoil and perhaps even empty. Perfect time to steal a few things. It can sometimes be blamed on family members. Don't be afraid to start making some noise. There's a time to be nice, and there's a time to start demanding that the insurance company and bank do right by you. Looks like the police are moving forward and they are working the case to it's end. Be patient.... there's more work they still need to do. Regarding the insurance company and the bank..... they might seem like gigantic opponents right now.... but imagine fighting the airlines because they broke your guitar..... I'm sure when this was all said and done, United Airlines wished they had paid this guy's claim and gone on with flying people around the world. https://www.youtube.com/watch?v=5YGc4zOqozo With the internet and your talent, and youtube.... write a song and set up an internet campaign to inform people how you were treated once you determine the insurance co isn't going to do the right thing. It might just work. It's also very satisfying. BTW: Head East.... cool tune with nice keyboard parts. Can't believe you've never heard that song before.
My website & music: www.herbhartley.com MC4/5/6/X1e.c, on a Custom DAW Focusrite Firewire Saffire Interface BMI/NSAI "Just as the blade chooses the warrior, so too, the song chooses the writer "
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spacey
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Re: I've been robbed
2016/06/05 11:16:08
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"Gone In 60 Seconds"...the scene; a kid steals a Cadillac with a trunk full of drugs- easy, it had the keys in it. They explained to him why it had the keys in it. There's always that Dave. Your chance to make a mark. I don't mean it to sound bad but it seems temporary insanity would be a no brainer. Oops...I guess this post blows that all to hell. Sorry. I was hit many years ago when I was young and crazy. Motorcycle was stolen. I hit the streets and by days end I had it back and could leave it parked with the keys in it. Wife looked at me and had a good laugh when that part of the movie played. Times have changed and if I hit the streets now I'd probably wind up lost trying to find my way home...or doing time. I don't know...either one of those might be better for me than dealing with all the BS you are Dave. Well it's not over so you may have options to consider. You may get more for a couple of bucks to the local boys than working with the system. Might be a chance to make some good contacts. Not all guard dogs are 4 legged. I should mention... What made it so easy for me; Back then it was a fad to wear wrist chains with your name on it. I found one were my ride should have been and when I read the name...it was just down to TCB. Got lucky is all.
post edited by spacey - 2016/06/06 08:25:03
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Serious_Noize!
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Re: I've been robbed
2016/06/16 18:49:27
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I hope they catch them!
post edited by Serious_Noize! - 2016/06/17 08:08:14
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DrLumen
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Re: I've been robbed
2016/06/16 19:57:06
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When I saw this thread bumped I was hoping to read the thieves had been caught and were scheduled for hanging at sundown. Oh well, I still have my fingers crossed for you bit.
-When the going gets weird, the weird turn pro.
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bitflipper
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Re: I've been robbed
2016/06/17 21:03:03
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Still no news from the police or from Guitar Center. I've been told that GC is only obligated hold the gear for two weeks. Then, presumably, they can sell it. I intend to stop by the store tomorrow and ask if that's true. Maybe ask about my keyboards that they never told me they had as well. The beat-to-sh*t ADAMs, those they can keep. Slightly better news...yesterday I was able to finally cash the insurance check. It was only $6,800 to cover $15,000 in losses, but my understanding is that they may still pay the difference between the depreciated value and the actual replacement cost after I've bought new stuff. Problem is, I can't afford to go out and buy new stuff on the vague promise that maybe they'll help me out later. In other good news, the new band is coming together and gigs are lining up. Without the distraction of a DAW I am embracing my new old life as a performer. Unfortunately, a 5-piece band doesn't make much money, so it won't be buying me any studio monitors. But at this point I'm going to call gas money a win.
 All else is in doubt, so this is the truth I cling to. My Stuff
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craigb
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Re: I've been robbed
2016/06/18 00:19:26
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Time for all of you to head over to Beyond My DAW!
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craigb
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Re: I've been robbed
2016/06/18 00:20:01
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☄ Helpfulby jbow 2016/06/18 14:45:51
And, if you can't, be negative twice.
Time for all of you to head over to Beyond My DAW!
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bitflipper
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Re: I've been robbed
2016/06/19 14:49:41
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UPDATE: I received a letter from the Everett Police Department today. It reads: Your case has been thoroughly investigated by a patrol officer and reviewed by a detective sergeant. At this time there is no viable suspect information and/or due to the lack of investigative resources, the case has been inactivated...if additional information is developed that leads to the suspect(s) being identified, you will be contacted. In the mean time there is no need to call requesting the current status of the investigation. I guess the security video of someone selling my gear, his fingerprints, a photocopy of his driver's license, his name and address were not sufficient to identify a suspect. I am furious. Imagine sending such a letter to your boss, the one who signs your paycheck: "sorry, I can't do my job, but it's not open to discussion so please don't question me about it."
 All else is in doubt, so this is the truth I cling to. My Stuff
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sharke
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Re: I've been robbed
2016/06/19 14:52:14
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Take it to the media! You can't let these incompetent bozos get away with it!
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Beepster
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Re: I've been robbed
2016/06/19 15:12:32
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bitflipper UPDATE: I received a letter from the Everett Police Department today. It reads: Your case has been thoroughly investigated by a patrol officer and reviewed by a detective sergeant. At this time there is no viable suspect information and/or due to the lack of investigative resources, the case has been inactivated...if additional information is developed that leads to the suspect(s) being identified, you will be contacted. In the mean time there is no need to call requesting the current status of the investigation. I guess the security video of someone selling my gear, his fingerprints, a photocopy of his driver's license, his name and address were not sufficient to identify a suspect. I am furious. Imagine sending such a letter to your boss, the one who signs your paycheck: "sorry, I can't do my job, but it's not open to discussion so please don't question me about it."
And now it's time to go public with it. Shameful.
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