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saltfisherman

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  1. Today it was a couple small omelettes for us with salsa on top. Toast and coffee. Last Sunday a brunch Any given Sunday it can be; eggs, brunch out, bagels with lox.
  2. Absurd, is putting it quite nicely. Still can’t understand how a pickup can be the same cost as luxury car.
  3. Same here. My 2004 excursion will be used until it can’t anymore. I’d rather pay couple thousand each year in repairs or replacement than a constant payment plus the repairs and or replacement costs. My gas mileage is 12-13 miles per gal., the difference to move up in better consumption values does not offset the cost per month payment to justify better mileage. I’ve owned one new vehicle as has my wife in our history of vehicles. We drive them until the cost is not possible anymore. We had my dad’s thunderbird when he passed and it died by way of the head gasket. That thing had over 300k miles on it. When you add up the cost of new heads, aluminum is not exactly straight friendly once removed plus the cost of labor, the wallet says that’s enough. Time to donate and further the tax deduction.
  4. Dealers by us are now advertising very low interest rates. Also, we see lease cost per month coming down on commercials.
  5. This is the consumer with zero knowledge of cost but the I want new attitude. Take that 7 yr loan and then when time comes to sell and move newer they are still $10k in the hole. No problem, the dealers are tacking on that $10k to the new loan and the under water idea just became the drowning. Yet they, the buyer, will still do that. You really have to wonder when the mind set is okay paying $700 and up per month for an item of great depreciation potential.
  6. Realtors are past their usefulness. Years ago you’d sit down with one, explain the area and what you’d like, they still didn’t listen. They’d find you listings. Today, you find the listings and do the research all from sites like a Zillow. A seller has the pieces in place to sell their home without the use of a realtor. Why do you have to pay large fees for less work involved by them. Anyone can sell a home in a sellers market. The worst of the worst get a lic and think it’s so easy to sell a home and make money. Give that same person the time frame of a down market and see who eats that week. You want to sell my home, here you go, I’ll pay you $5k. There is nothing of their use that warrants percentages that are currently used, nothing.
  7. Add a float plan as a necessary component. Let someone know where you are launching, if you get there and change plans let them know the update. An approximate time of landing and or driving home. If you are past that time, let them know you are okay and just stayed longer. My wife knows exactly where, time wise I’m fishing. I’ll call her as I’m ready to pull away for the site and head home. Quick story, over the past two weeks. Two different sets of boaters go out, and both don’t return on time. Coast guard is dispatched. First set are never found, search called off. Second set found quickly. The second set had a float plan and this made finding them easy.
  8. Realtors do zero to market your home. They list it and that’s it. Every once in a while an open house of 3 hrs. They do zip and wait for you to walk in to buy it. Why should they receive a percentage of the value when they do the same amount of nothing on each home of any different given value. Realtors should be paid by the hour, you want a dollar from me, earn it. When we sold our home in NJ we used a company in florida to get on the MLS, a dollar spent for the ability to let us use a product. Realtors, should offer you a product list of items on how they will sell your home for a specific amount you can negotiate and compare with the next person. You get a percentage of dollar up front and the rest once it sells. Wanna see them work now to sell instead of sit back waiting for someone to walk in, saying I’ll take it.
  9. I know everyone is listing physical items but the best item you can have with you is common sense. Use your mind when looking at conditions, current and yet to happen conditions. Be willing to turn around and go in, never go in at all and hit a breakfast. Feel the wind direction change and temp change that comes with weather conditions about to change. There is a reason these are happening. As you leave the launch area turn around 100 yds out and look at the area you’ve just left from, are there are towers, homes, flag poles. What are the land marks. Lastly, don’t panic. React small and get your head about you first.
  10. The tide was basically zip in movement. The bite was the same, and almost zip too. Ended the day with a couple mangroves and black drum as dinner fare. The normal mangrove pounding was endless moving with little catching at times.,
  11. The slanted “actual” definition of a midlife crisis. You want to buy something , can’t afford it, that’s the crisis.
  12. Here’s an article on Medicare. https://www.williamsassetmanagement.com/understanding-medicare-advantage-plans-implications-pre-existing-conditions
  13. There was a news story and I wish I saved it. It had to do with switching from advantage to reg and the conditions of preexisting was mentioned. Anything preexisting you might not get covered for under now reg Medicare. The cost difference is less, yes for advantage but the difference of quality of services is the biggest problem. We have individuals that live next to us and across the street that have advantage. They are always having problems with service, lack of ability to get appointments in a reasonable amount of time. Need prior approval before services. It’s like you’ve signed up for an HMO. My wife has reg Medicare and pays nothing additional out of pocket. Yes the up front cost is higher but that’s the trade off. Knowing your overall costs and adding nothing beyond is to us the best option. She waits for no approvals, just sets up specialist appointments. Reg Medicare, you pay and receive all care. advantage, the gov is only giving you a specific amount of care they deem necessary.
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