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Reagan1k

Certifiably Surly
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Everything posted by Reagan1k

  1. We don't talk about the cost of shoes or guns in my house. Our marriage is the better for it.
  2. I enjoy his show, if for no other reason than he lets them tell their story, and make each one of those small business owners feel like a James Beard Award Winner by the time he leaves. I don't mind his act.....it's certainly a lot more palatable than many pretentious food critics would be. There's something to be said for lifting those folks up and recognizing their hard work, whether I would love their food or not. If you can make it more than a couple of years in that industry and have happy customers, that's an accomplishment worth noting, and he does a good job at it.
  3. Guacamole with Ruffles
  4. Yeah - Based on my understanding, the suppressor bill is a lot murkier than the carry bill. The Texas suppressor bill will be a line drawn in the sand and there will need to be other decisions made. In theory it will exempt citizens from prosecution on a state and local level, but the ATF is still the ATF and could prosecute under Federal laws. It may not be a perfect analogy, but is akin to some of the cannabis legislation. Technically legal in the eyes of a given state, but still illegal under federal laws. I'm not privy to nor do I understand how it is supposed to work, but my guess is that it is a 1st step and a stepping stone to additional actions against or legal challenges to federal laws which will have to work their way through courts before TX citizens are free from federal oversight with regard to suppressors. From what I understand, the interstate commerce issue plays a big role here and that is or can be so broadly defined that the feds can flex on even suppressors manufactured here if they want to nitpick down to the raw material used in production, etc., etc. There is a long game being played here and its still the top of the 1st inning even if the governor signed it today.
  5. It can be a bit concerning for the insured when you tell them- “yeah I know the annual premium is really high, but don’t worry mom, you won’t be paying premiums but for a month, maybe two max.....I promise.”
  6. Correct- no way to use term insurance. Too expensive and not what the need is. She wants something to be there regardless of when she dies. Term covers a certain period of time - wrong product application. I’ll agree with you that in many, many cases, whole life appears to be a racket- but that’s really an indictment on the sales tactics and justifications- not on the product itself. If there is a need for insurance for an entire life period, regardless of when death occurs, then you need to insure the whole life. IMO- you have to differentiate between between the product being shit and the tactics being used to sell it where it’s not the right tool. whole life is a financial tool- used for the right reason it can be beneficial. Misapplied, I’ll agree it is a racket. It may or may not work for @ROFL BOX but it should be vetted, as term will be a non starter as you pointed out. There may be other options too. Gotta kick some tires and look for the best tool to fix the problem.
  7. Get with an agent and see if she can qualify for a small whole life policy- maybe $10-$15k - depending on her health they may underwrite her or may steer her towards a guaranteed issue final expense plan. Could be forced as high as $25-$50k but maybe not. Might also shop the web for limited or no underwriting final expense plans. probably smart to stay away from preplanned funeral home products.
  8. Those things seldom make sense on a purely mathematical basis, but they do give the elderly a peace of mind that does have value beyond the NPV or IRR. If she’s got the disposable income or plenty of cash in savings and it lets her rest easy or tell Marge over bridge that she’s done well by her kids, it’s not the worst thing. If she’s paying for it instead of for food, medicine, or compromising her lifestyle in some other way, then keep her away from them. Personal finance gets messy when you deal with the personal side and aren’t just looking at the finance.
  9. Your friends are correct. If they start to waver, I can provide them with the names of two different people I know who can dissuade them. Your buddies will find mine willing to talk anytime because they are bored, doing federal time. Paying cash on any decent scale opens the Feds playbook for so many charges, and they’ll make your friend look like a robber barron to the jury instead of a guy just trying to run a business and get product moved during unprecedented times. It’s a layup prosecution and layers of restitution that can’t be overcome.
  10. The barrier preventing legal carry was a low bar already. I don’t think this will have a significant statistical difference on the number of people who carry vs. those that don’t. IMO, if you wanted to carry you were already licensed. If not, you didn’t feel the need or didn’t like the perceived inconvenience. I think it’s much more of a political trophy rather than a bill that will actually change much behavior.
  11. I will add this- if the loved one is still driving before the diagnosis, be damn sure you have a plan to deal with that the moment a diagnosis is confirmed. No one wants to be in a situation where you had knowledge of a medical diagnosis of any diminished capacity prior to an accident. That would be an expensive negligence claim on top of the moral/ethical obligation to prevent a potentially tragic outcome. The taking of keys is often a difficult battle, and you don’t have time to ease into it once a condition is confirmed by a doctor.
  12. Patients often develop coping and compensating skills, sometimes subconsciously. Saying things like, “remind me” or “I may have already asked you, but..”. They will also redirect conversations to things the can remember when they can’t keep up with or understand a present conversation. “grandmother, what did you have for lunch?” “Have I ever told you about the time I stayed in the Intercontinental on Michigan Avenue and had lunch with your aunt Gertrude?”
  13. The cognitive tests are baffling and fascinating at the same time, It does take a trained medical provider to administer and interpret them. The patient can compensate and do things to make a lay person question their own suspicions. I have a family member who can’t tell or make time on a clock, thinks a Bush is still president, but can do complex mathematical functions. You let him “run the test” and he can prove to you how sharp he is and make you think you’re overreacting. A neurologist can peel the onion back and tell everyone the truth.
  14. 30+ year old brushed cotton shirt and jeans, unless I'm bow hunting. My favorite pattern ever.
  15. Yeah....well, what you didn't see was the even bigger buck that stayed in the timber that day because he recognized the barcalounger in the bed of the Ford wasn't the normal LazyBoy in the back of the Dodge that the farmer used every day.
  16. They won't give a shit after a week or two. I always try to remember that they aren't thinking...Oh, there's a deer blind. All they are thinking is that something looks out of place. Let them see it a few times and it just becomes another part of the landscape. Put whatever kind of setup you want out there a few weeks before you want to hunt. Brush it in a bit to soften the edges if it is really conspicuous, and go have fun hunting. The new smell of burlap, synthetic covering, fresh cut 2x4s etc will be more alarming to them than the object. A week or two to visually blend in as normal, and not peak the olfactory senses is all you need. I've used a pop-up blind right out of the box, brushed it in good with aromatic cedar boughs, and hunted it successfully the same day. The most important thing is to eliminate your silhouette. If they can't see through it and notice your head moving, they are more than likely not going to give a tinker's dam that its even there.
  17. I can't speak to the hail, but in looking at my game cameras, the rain was akin to a cow pissing on a flat rock there for several minutes.
  18. Got any employees with questionable character, or dating / married to a douchebag?
  19. I drive to TX and back on 10 so much that I'm somewhat numb to that Calcasieu River Bridge's condition, but I agree and I may start betting on it in annual death pools going forward. I'll bingo on it before too long. I'd bet that the delta between going 10/55 vs. dealing with the bridge detour and subsequent backup will be closer to 2 hours than 3 hours. Once you hit 55, the traffic is always light and the average cruising speed seems to be around 83. If you're going not driving at least 80, keep an eye out in the rear because you'll get run over in short order. It's like 10 out in West Texas. YMMV - literally.
  20. Might want to consider heading down to 10 and then up 55 with a stop in Scott, LA for some Best Stop. Will not add that much time and a much easier drive than dealing with all that bullshit in AR
  21. Midway USA just announced that they scored a load of them and they'll hit the market shortly. Pricing is expected to be higher than that which Brat's brother paid. After years of effort, our Supplier has been successful in securing a large lot of U.S. made M1 Carbines and MidwayUSA has purchased all of them! These M1 Carbines have not been arsenal refurbished. This single lot of M1 Carbines includes guns from 9 manufacturers with serial number ranges indicating production years from 1942-1945. Conditions offered will be “Fine”, “Very Good to Fine”, “Good to Very Good” and “Fair to Good”. We used the NRA Firearm Condition Standards for guns of this era as our guide to grade these fantastic guns. Many different product numbers will be offered to indicate manufacturer and condition. Winchester Rock-Ola National Postal Meter Quality Hardware Standard Products Saginaw Underwood Inland IBM
  22. Well hell.....I bought ETH back in '18 and once it became real money to me, I moved it to a wallet in my safe for security. I'm confused by this staking discussion and ETH2 - should I move it back to coinbase? Why and why not?
  23. Does that happen- yeah! But that article was from 2017 and is not relevant to what I’m talking about. Factories are literally not running at capacity even though they have orders to fill. Restaurants are not fully opening to capacity because they don’t have servers. Workers are choosing to not re-enter employment for a lot of reasons. That’s not deniable. The new labor secretary said so today and that he’s working with companies to try and solve the problem.
  24. They're sexy, and one can do worse than have something made by Israelis who are constantly having to defend themselves. They know how to make shit like this work well - they have to. That's all I got.
  25. I can't fathom what the economist that put out the estimate / expected number was thinking. Of course this was going to be a huge miss with a two-comma number. You can drive down any street and see Help Wanted signs in every window. Factories are running at a fraction of max production; not because they don't have orders, but because they can't find workers. Hourly wage positions are offering signing bonuses that would be otherwise unheard of. Many people don't have a choice and can't return to the workforce until schools, summer programs, and childcare opens back up 100%. There are still a large number of people somewhat paralyzed by covid fear, especially in larger cities. Still others are content to ride out the expanded unemployment until they expire before reentry. A lot of employers are now demanding in-person applications because they are overwhelmed by bad-faith online applications submitted only to meet unemployment requirements.
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