monkeylizard

  Point of clarification, in Tennessee there is no duty to inform. That said, if the officer knows you're carrying, you are required to produce your HCP if asked. Although you don't actually need an HCP in your car/on your bike any longer, 1359 doesn't take that into account and still applies. If asked, you must present. If not asked, no duty to inform.

You still can in some places.   don't forget the 10% buyer's premium, so it's really a 269.50 LCP

Erock's channel is awesome. I've been watching his videos for a few years now.

  That happens when they sit in the river for a few months between the Stop-N-Rob and when the cops dredge it up.

The M1 and the G23 w/ Crimson were reasonably priced yesterday morning....not so much any longer, especially once you add in the 10% premium. I only expect it all to go higher. There are a few interesting older pistols in there like the Dreyse, but the condition on them is generally poor.

By his second year he figured out he should drink until 8am and go to a 4pm class

  Legislative Plaza is not a state park.

It would be more correct to say that the person borrowing from the government is borrowing Xi Jinping's money.

  This. If/when it goes south it's going to make the mortgage crisis look like minor dip.

It doesn't come from student loans, that's for sure. It comes from several places. Some of mine came from companies through their community service efforts. Some of it came from my employer (which I wouldn't have had if I wasn't, you know, working).  Some of it came from the school I attended which gets it from income it makes on investments on endowment funds. Endowments are funded by people like me who give back to the school after we graduate to pay-it-forward and help others the way someone came before me and helped me. I didn't get that scholarship money because of my last name. I got it because I earned it through hard work studying, reading, writing papers, and applying myself.   I know. That's why I said I would have gone to a state school if I hadn't had that help. It would have been a different experience, but the end result of a degree and no debt would have been the same.

  I can. I didn't borrow a penny for either undergraduate or graduate school, earned my scholarships by studying hard in both high school and college when my friends were out partying, kept a part time job in high school and undergrad, full time jobs in the summers, and waited 7 1/2 years after finishing undergrad before starting my masters to have the cash to pay for it. Yes, my parents were able to help with my undergrad, but that just meant that I was able to go to a private school. Had I not had their help, I would have gone to a state school and still finished debt-free.

  I disagree. Austin Peay is about $4,000/yr for tuition. Let's call it $5,500 to go to AP with books and fees. HOPE scholarship will knock $1750 off, leaving $3750. That's a hair over 24 weeks of 20hrs/wk @ $7.75 flipping burgers. One year of that part-time McJob pays for two years of school. That's still a low-enough income to not have to worry much about federal income taxes. A person can take a year or two off after high school and work their butt off 10-12 hours per day 6 days a week, keep a part time job during college, add a full time job and keep the part time job during summer. Shoot, just start that McJob in high school and they'll have enough to cover at least the first year of college before high school graduation. Work full-time during that first summer after high school and the first 2 or 3 years will be paid for. Alternatively, they can also spread college over 5 or 6 years if needed and can take a crap ton of their general ed classes for much cheaper at the local community college and transfer them in. No, it isn't easy. Yeah, it sucks. Yeah, it means they don't have a lot of fun, drive a POS car or ride a bike, but it also means they finish debt free.   Yes, I know I left out housing/food costs. I was using A/P as an example school. Hopefully a kid has one of these lower cost state schools close to home and can live at home. If not or if staying at home isn't an option then it gets harder and they live in a crappy apartment with 4 roommates, eat their weight in ramen, and/or take longer to finish.   I'd venture a guess that any kid with that kind of determination and drive would have no problem finding some scholarships. Toss in things like Pell grants for kids from low-income families and it that nut gets smaller and easier to crack.   That said, college isn't for everyone. We're doing our kids a great disservice by convincing them that the only good step after high school is college, whether they're prepared for it or not and whether it leads to what they want or not. There are other paths to a successful life/career and being able to do more than just keep the lights on and put food on the table.

Dave Ramsey's baby steps really do work. Some like to trash his ideas saying that the math doesn't work, that you should pay off debt based on the higher interest rates, keep the house payments for the mortgage deduction, etc... Those people confuse personal finance with math. Personal finance is rarely more complicated than 8th grade math. How often have you had to do anything more complicated than simple addition, subtraction, multiplication, division, and the occasional percentage? I don't expect anyone to be using calculus to balance the checking account.   It's about human behavior far more than it's about math. The smallest-to-largest gives people a sense of accomplishment by paying off that small debt. That gives encouragement to keep going and get the next one. As each one falls, it frees up more money each month to attack the next one in line. This gives a double sense of winning because the person sees both the debts disappearing and their cash flow growing. If you take on the one with the biggest interest rate and that happens to be a big nut to crack, you can lose hope when after years of effort it seems like you're going nowhere and those little (lower interest rate) debts keep sucking more of your blood along the way.   If it was all about math, we wouldn't have a debt problem.

  For anyone wondering what this was about, look no further: http://www.thedenverchannel.com/news/front-range/wheat-ridge/gunsmoke-guns-owner-rich-wyatt-arrested-on-theft-charges04102015

If the antis made him continue to stock firearms in his non-FFL store, went in to buy them, convinced him to write them up as "miscellaneous sales" and send them over to a neighboring store with a valid FFL for the transfer, then yeah...maybe they staged it. That seems awful implausible to me. I'm betting he's guilty as sin and simply thought he could get away with it.   Maybe we'll see some of the evidence presented during the trial. I'm not expecting a lot of coverage on this, but maybe someone will publish some info.

That douchy guy that liked to pimp his step daughter and his wife's fake boobs on Discovery Channel was indicted last week on 13 counts of various things including selling w/o an FFL and tax evasion. The BATFE pulled his FFL back in 2012 but he apparently kept on selling. Oops.   http://www.thedenverchannel.com/news/local-news/reality-tv-star-richard-wyatt-of-gunsmoke-store-american-guns-show-indicted-by-grand-jury

  Try to get in on that action. Ain't nobody got time for that!

You could probably use that as a tire and rim. It's heavy enough.

Oh, yeah! It really is your Johnny Paycheck insurance policy.   It also frees up more cash to throw in an IRA or other retirement vehicle and either get there sooner, have a better retirement, or both.

  Except that the 3-4% interest rate on the HELOC is constant, but the return from the market is not. It works.....until it doesn't. Maybe you can beat the market, but 2015 was one of those net-loss years which would be made worse by the interest payments on the HELOC to have made it a very bad year. even beating the market in 2015 wouldn't have been enough. You'd have had to beat the hell out of the market then gone back for more. 2016 is shaping up to be more of the same. It would suck to have a payment due and be sitting on an investment that has already lost 20%+ since Christmas. If you can ride out the downturn, that's one thing, but when the payment's due, that's not an option.

  This, but I'd start a mini-emergency fund first. Put $1,000 in that kitty, then pay off all debts but the house. That mini-fund comes in handy for not making your debts worse when you have an unexpected bill. Then fully fund the rainy day fund with 3-6 months of your current expenses after you finish all debts but the house. If worst cases happen, most people can cut expenses and make that last well past 3-6 months.   If anyone wants to see their amortization schedule and how it changes based on additional principal payments, I like this calculator: http://www.bankrate.com/calculators/home-equity/additional-mortgage-payment-calculator.aspx

Look at it this way. If your home was paid for, would you take out a home equity line of credit at a low rate and put that money in the stock market?   If not, then pay off the mortgage. One thing your boss is forgetting is that when you no longer have a mortgage, you'll have the entire monthly payment as free cash flow for yourself to do with whatever you choose.   Besides that, anyone who would advise me that walking away is a good option doesn't have the moral foundation to give me advice on anything.

worriedman beat you by 60 seconds.   http://www.tngunowners.com/forums/topic/94675-scalia/

I looooooove Peg Leg Porker.   Martin's is good, but I always feel like I paid way too much for what I got.   For an out of town guest, I'd go for either of those 2.   If you're downtown for the honky tonks, Jack's is good, but it's not the best. It's convenient when you're on Broadway though.   Any of those will be better than Centerpoint. I was unimpressed there.       Edley's 12 South is on my "meh" list. Didn't care for it.   Judge's Vinegaroon on Church by Baptist hospital is awful.

I found this when looking for size comparisons to the Titanic....