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Howard

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Everything posted by Howard

  1. OK here is more food for thought. Never go in and tell them you want to lease a car! Go in and negotiate a price to buy the car outright. Also as mentioned leases are based on residual value, so know what the residual is for the time period you want to lease. Sometimes it is cheaper to lease a very expensive car than a cheap model because the expensive one holds its value. You pay for $15K over three years for a $45k car that is worth $30k at the backend, and you pay roughly that same $15k for a $30k car that is worth $15k at the back end. Also there are times when a company wants to move a certain model so they set an unrealistically high residual - which helps you big time. I recall years ago leasing several Mercury Mountaineers for two year leases as they wanted to put them out there, even though it was a higher level trim than the Ford Explorer I was able to lease it for a LOT less money. Next you need to know the money factor rate, that is lease talk for the interest rate. By negotiating a purchase price you have now locked in the deal and there is no room for them to screw with you. The payment will be the price you negotiate, less the residual value times; that amount multiplied by the money factor rate. If you don't lock in the purchase price they will typically use the sticker price or some slight discount and you will pay more that if you negotiate a real sales price first. Also be prepared to walk out, and walk if you don't like the deal. I have done this many times and had dealers call me multiple times dropping the price each time to get me back. Also if you lease make sure some sort of gap protection / insurance is included. Remember the minute you drive the car off the lot its value drops by quite a bit. If you totalled the car on the way home (let's hope not) the insurance company would not pay you what the car was worth - they might only give you 90%. You would be responsible for that extra 10% without some sort of gap protection.
  2. Yup I tell my friends with green pools that the best thing is open before the water has a chance to grow crap and close after it is cool so stuff does not grow. Actually I usually put the cover on the second or third week in October but run the pump and filter for another two weeks. I have a Pentair continuously adjustable pump so when I turn it down it only uses around 150 watts. During the season I run it at about 1400 RPM 24/7 and it only used about 250 to 300 watts. I also try to avoid pool store chemicals (sorry). I use bleach, baking soda and Borax to treat my water and I have never had a green pool or cloudy water in over 15 years.
  3. I think you are over thinking this. I would venture to say this form gets put in a drawer somewhere, and at some point a box, and that the dispatcher has no access to it or just will not bother finding it. Sounds like more NJ BS paperwork. Do you update it each time you acquire a new weapon? What about the person that has no weapons when they fill it out, and then later gets some?
  4. Wait a second, they also want to know where in the house weapons are located? Screw that, just tell them in every single room!
  5. Now this gun safety ad is actually a winner in my book! http://youtu.be/qKHeXC7L85s
  6. They put it off as they were busy building the gun locker room. I would expect it soon.
  7. Just opened my birthday gift from my 26 year old daughter who really does not like guns. It was a two part gift. Can't believe I did not need permits for all the guns in the box: But it gets better. There was a little note that said the real gift was at the bottom of the box. Until I read the small print I was wondering why she spent money on a gift card (that is how real it looked). Sometimes homemade gifts are really the best.
  8. Don't think so, a judge just green lighted the pension cuts no deal with Steve Swiney needed.
  9. Yea you want a large DE unit. Mine is oversized taking 7.5 pounds of DE for a 33,000 gallon pool. I typically only need to backwash and recharge 2 or 3 times a year and I open early April and run to mid October.
  10. You can actually throw a little bit of DE into the sand filter to improve the way it filters.
  11. Just curious why you would replace a DE unit with a sand filter, DE filters much better than sand.
  12. PLEASE END THIS THREAD!!!! AS HAS BEEN STATED THEY ARE ILLEGAL IN THE STATE EXCEPT BY SPECIFIC EXEMPTION. Micky D's is not one of those!!!
  13. If you watch the last part of that video, that one has a sensor similar to mine and he eventually got by it with molding a finger, letting it cure and then pouring a reverse mold of it. I don't think too many people are going to do that. Any of these things are just a deterrent to keep kids out and keep honest people honest. Anyone that really wants to get in will, they can use drills, saws, exposives - you are not going to stop someone that has time and wants to get in.
  14. Yea, we call her a mini-huskie. But she was not the runt of the litter. There were six of them and they were all about the same size. She is probably the sweetest one we have ever had and she and Roxy have turned out to be best friends. They do love to run, but we have a good size yard and you probably noted the box on her neck which is for the electric fence. She went through twice in the first day when we trained her on it and has not even though of trying again.
  15. The mother was really small. When we got her the mother did not look all that much bigger than her, and she has grown. She was 33 pounds at her last vet visit. Typically the females are around 40 pounds or so, Huskies are actually medium size dogs. Since the parents were 42 and 48 pounds I don't expect her to be more than about 45. Further I expect a lot of that weight to be the in the form of filling out rather than growing in size, but I could be wrong. My other female is very large at 70+ pounds. We had another female and she was only around 40 pounds, but she was thin and much larger than Sasha. I guess we will have to wait and see. It will be funny if she turns out to be a shrimp next to Roxy who is a giant. Alvin is a good looking dog, but I really think you need to trade-in that new SUV for a full size van to cart him around - he looks very cramped in the back This shot was from about three weeks ago where you can compare size: Here is one of Roxy from yesterday: and here are two more of Sasha:
  16. He did recently say his ideal job would be GM of the NY Met's
  17. Thanks. Well her mom was tiny and weighs 42 pounds and her dad is only 48 pounds. My Roxy is 73 pounds. The vet thinks she will be small too.
  18. Well Sasha is five months old now and no longer looks like a puppy, she looks like a miniature dog. I don't think she is going to grow much more either, which means we will have a very strange pair of Huskies. Roxy is around the 100% percentile in height and weight, and Sasha is going to be around the 1% point.
  19. I just went out and bought a dress so I can attend
  20. I agree with those that say a person or company has the right to delete anything they want from their FB page or web site. I am not sure I agree with that when it is a government paid for and controlled web site. I think in that case it is a restriction of free speech. I guess its for a judge to decide if someone spends the money to take them to court. Maybe the ACLU will go after them... HaHa I made a funny!
  21. Its a total disgrace that those charged with upholding the law (yes the first amendment) would chose to censor opinions, but only on one side of an issue. Dues not say much for the officer in charge of their page.
  22. Are you a Democrat, a Republican, or a Southerner? Here is a little test that will help you decide . The answer can be found by posing the following question: You're walking down a deserted street with your wife and two small children . Suddenly, a Terrorist with a huge knife comes around the corner, locks eyes with you, screams obscenities, raises the knife, and charges at you . . . You are carrying a Kimber 1911 cal . 45 ACP, and you are an expert shot . You have mere seconds before he reaches you and your family . What do you do? THINK CAREFULLY AND THEN SCROLL DOWN: Democrat's Answer: Well, that's not enough information to answer the question! What is a Kimber 1911 cal . 45 ACP? Does the man look poor or oppressed? Is he really a terrorist? Am I guilty of profiling? Have I ever done anything to him that would inspire him to attack? Could we run away? What does my wife think? What about the kids? Could I possibly swing the gun like a club and knock the knife out of his hand? What does the law say about this situation? Does the pistol have appropriate safety built into it? Why am I carrying a loaded gun anyway, and what kind of message does this send to society and to my children? Is it possible he'd be happy with just killing me? Does he definitely want to kill me, or would he be content just to wound me? If I were to grab his knees and hold on, could my family get away while he was stabbing me? Should I call 9-1-1? Why is this street so deserted? Can we make this a happier, healthier street that would discourage such behavior . I need to debate this with some friends for a few days and try to come to a consensus . This is all so confusing! . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Republican's Answer: BANG! . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Southerner's Answer: BANG! BANG! BANG! BANG! Click Daughter: 'Nice grouping, Daddy!' 'Were those the Winchester Silver Tips or Hollow Points?' Son: 'Can I shoot the next one?!' Wife: 'You ain't taking that to the Taxidermist!
  23. Many FLLs will be ok with having a non-compliant gun / mag shipped directly to them where they can neuter it to meet NJ requirements. Check with your FFL. Don't think that is a good price when you factor in shipping and FFL transfer fees. I was just looking for a gun and that site was suggested to me as well. I went into my LGS, RTSP in Randolph, and their price with NJ tax & NICs was cheaper than what I would have paid from the best price on Gallery of Guns plus a transfer fee.
  24. There is nothing wrong with red dots for competition stuff. I would never put anything that relies on a battery on a self / home defense weapon. What will you do when split seconds may count when the battery is dead or you shook it and the connection broke for a second.

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