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About FBG26

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  1. What are you seeing? What do you mean? According to, the 5/1 Arm is 3.89% and the 30 year fixed is 3.75%. Usually you'd expect the ARM to have a lower rate, otherwise why go with the ARM at all?
  2. Democrats seem fairly big on clean air, clean water, equal rights, assisting the disadvantaged, etc. Maybe the soundbites for those issues just aren't as good as soundbites for the issues Republicans focus on?
  3. It'd be nice to see them do a 2 nighter with only 5 people on stage at a time. A smaller format may give the lower polling people the opportunity to make an impact.
  4. I don't think NY is alone in these taxes (though I think their rates are high). I think it's typically called a Mortgage Registration Tax. Here in MN you get hit with the mortgage registration tax (0.23%) and a deed transfer tax (0.33%). Actually, now that I'm looking it up, according to this link, most states have a deed transfer tax, but only a handful have the mortgage registration tax.
  5. Can't speak for Sheik, but when I hear people talking about banning semi-autos, I think they probably mean semi-auto rifles, but I don't want to assume and would prefer to ask for clarification. However, plenty of people really do mean banning all semi-autos including pistols, so you can understand how gun advocates might overreact when they hear people talking about banning semi-autos. I'll answer your second question even though it wasn't directed at me. I would personally be fine banning the sale of all AR type weapons. My family has several, but if we could magically disappear all of them throughout the US, I'd be fine with that. But we need to think carefully about how we define an AR type weapon. What makes an AR an AR, and what differentiates an AR from something else? I don't know a lot about the old AR ban from the 90s, but I believe that the definition in that law was pretty easy to design around. Basically, I'm just saying it requires some thought and deliberation.
  6. Most do want that. We've had some really good discussion in this thread. I'd like to keep it up. Normally I don't get too worked up over terminology and the exact words people use when posting, because usually I can figure out what they mean. In this case, can you please clarify what you mean when you say "most do want that"? Are you saying most people do what all guns banned? "Assault weapons" banned? Most people think that the only guns people should be allowed are revolvers, shotguns, and bolt action rifles? According to this Gallup link, approximately 70-75% of respondents do not believe that we should ban the possession of handguns. According to this link, which includes results from several different polling groups, 57% of respondents think banning the sale of semi-automatic assault guns is a good idea (per NPR poll) and approximately 60% of respondents support a ban on the sale of assault weapons (per Quinnipiac poll). So it might be accurate to say that most people would support a ban of assault weapons. But then we really need to flesh out what exactly we mean by assault weapon, and coming up with a definition that doesn't sweep up handguns would be really hard. Perhaps we define it as a semi-automatic weapon with a barrel over 12 inches long. That excludes handguns (probably, I have a hard time imagining a handgun with a 12 inch barrel). But there are plenty of semi-automatic shotguns, so my definition would need further refinement. I'm not saying we should give up, just that we need to be clear and deliberate.
  7. You're plan re: the bolded is how you should handle that. This new "unlimited" PTO thing is such a scam. They don't have to pay out unused PTO, and they know most people will actually take less PTO if they don't have a set number of days they can take off.
  8. Even though the information is public, I think there is a difference between being available to somebody who wants to find the info, and publicly broadcasting it to the masses. The example I think of is: my address and the purchase price of my home are public info. If somebody wants to look me up to gossip that "OMG, he's so poor, he couldn't afford a nice house" then they can do that. But I'd rather not have somebody post that info on social media or a public billboard. If you're curious, you can go find the info, but let's not just broadcast it unnecessarily.
  9. 2700 sq ft in MN. Bill from 6/23-7/23 was $115. Looks like we're at about $0.13 per kWh on 700 kWh. We set the AC to about 78 during the day, 74 from dinner to bedtime roughly, and 71 overnight. AC is about 20 years old.
  10. I disagree. And I think we have to understand the stats. Gun suicides account for 2/3 of all gun deaths. So, when you see a stat that states 32k gun deaths annually, 20k of those are due to suicide. That leaves 10k gun deaths annually. But that also includes gang violence, which accounts for another 27% or nearly 9000 gun deaths annually. That takes a different approach to correct. Taking into account the number of shootings in Chicago alone (gang violence), and you can see that there is a very small percentage of the 32k gun deaths that are innocent people being killed by the willful aggressive action of another person. Those are the ones that fall into domestic violence, mass shootings, robbery, etc. We are talking about 3k deaths out of 32k. (Someone should compare that to the number of people that die annually due to drunk drivers. ) Suicide is a personal choice. I've contested that it's the same as abortion. If a woman has absolute right over her body, then so does everyone else. We know that suicide is a mental health issue. Therefor when you take into account that 2/3rd of the gun deaths are suicides, then 2/3rd of the solution should be mental health related. Another 1/4 of the problem is gang violence. Together, these two problems account for 91% of the problem, yet we see very little media coverage about gang violence or suicide. I would also point out that this is a thread about "needing" and assault rifle, or "needing" 30 rounds in a magazine. I would guess that very few people are using an assault rifle to commit suicide. And it only takes one round. One minor point - KC mentions that this thread is about needing assault rifles or 30+ round magazines, not suicide. I'm fine sticking to that specific topic, and I agree that few people are committing suicide with so-called assault rifles, but I do think it's natural that other gun related issues are discussed in threads discussing guns. My bigger point is on the discounting of suicides, which I'll get to. I agree it's important to understand the statistics to better understand what problem you are trying to solve and how effective that might be overall. When I read KC's comments on guns, I probably would have agreed with him a few years ago, but I've slowly been changing my opinion (probably since Sandy Hook). If the goal is to make a statistically significant dent in gun deaths, the policy changes would probably involve looking at how do we reduce homicides and gang violence, as you mention. Suicide is also another big item that will take it's own approach. And magically removing assault rifles from the world won't likely reduce many deaths in either of those categories. So now to focus on suicide - I completely agree that suicide is a mental health problem. But our approach to reducing suicides can involve addressing mental health as well as addressing guns. According to the National Institute of Mental Health, 47k people took their own life in 2017. 24k of those were by firearm, 13k by suffocation, 6k by suffocation, and 4k other. Clearly, magically removing all guns (I'd guess most suicide by firearm is done via handgun or shotgun) will not completely eliminate suicides, as people can and do use other methods. However, I think it's really hard for most people to understand a suicidal and/or depressed person unless you've been there. I've dealt with bouts of depression and while it's never gotten to the point of attempting suicide, it could have. A depressed person might think about suicide, but they don't generally (I believe) plan it out. At some point, the pain is too hard and they just go for it. If a person has access to a firearm at that time, I believe they are more likely to successfully take their own life. But if they slit their wrist, for example, they are much more likely to survive the attempt. According to this Harvard link, about 7% of people who attempt suicide will eventually take their own life. If unsuccessful, most do not try again (70% have no further attempts, per the Harvard link, while the remaining 23% re-attempt nonfatally). So this is a long winded way of saying that if a person didn't have access to a gun when they were suicidal, they may still attempt to take their own life (and may succeed), but if they do attempt via some other means, are more likely to survive. So yes, we absolutely need to address mental health when talking about suicide. Of course. But we'd be remiss to discount how access to guns can make it easier to take one's own life. (And yes, I realize I haven't actually proposed any ideas related to guns to help address suicides. I do actually have to work today, but would be happy to discuss later).
  11. The OP/thread title wasn’t that specific when the thread was started. It was originally (paraphrasing) “when have you used a semi automatic weapon?”. Some of the early responses now look weird because the OP was changed (mine being one of them). Some votes are probably shtick too. I tend to vote for every option when given the opportunity to do so 😉
  12. The only key on my keyfob is for the house, so I'll go with zero keys that are unidentified. My car doesn't actually use a key in the sense that you don't insert a physical key into the ignition, just need the fob to be in the vehicle. I used to have about 5 keys on the fob until we moved somewhat recently, then I just threw them all out. It's really nice being down to one key.
  13. Not to be the negative nancy, but if I'm understanding correctly, you haven't even interviewed with the manufactured home place yet, much less received an offer. I guess I would't stress it too much until I was a little further along in the process. But it sounds like either option would be much better than where you are currently if you do get an offer. Good luck!
  14. Your buddy from the 1200 has a phone? If he is from 1200 and is in 2019, he must have a time-machine. If he has a time-machine, he probably has a phone. Hell, he probably has seen way cooler stuff than I can imagine so I'd tell him to take me for a spin in his time-machine.
  15. NE was trying to make a funny. See, you probably haven't posting here long because you probably have a real job unlike those of us who spend all day reading/posting, but we used to be able to have "Who's Hottest" polls and such, and now everybody has gone all PC, so much so that you can't even say "crotch" in this place anymore.