Over the past month, I've watched at least five different college 'idiots' who wanted to be interviewed, and explain how burning business operations was OK....because they had insurance, and that would pay for everything.
More or less....I just am amazed at the amount of stupidity demonstrated by the college kid.
Most business operations will have a minimum of three insurance packages: (1) General liability insurance, (2) Property insurance, and (3) Business owner's policy (BOP). So let's talk about these.
General liability insurance is usually for injury or harm to you, your employees, or your customers. You serve some bad food, and customers sue you for hospital time or out-of-work periods? This insurance falls into play.
You go through a period of no usage....the rate stays stable. You go and activate it several times in one year.....the rate goes up. Who pays for the rate increase? Customers....via the cost of whatever you sell or service.
Property Insurance concerns the building itself. If you get wiped out via a flood or tornado, this insurance kicks off. Deductibles? The more you build into the deductible....the less you pay yearly.
The average deductible is 1-percent of the value of the building. But if this is a upscale pub or restaurant, worth $750k? You might go and establish the deductible at ten-percent (75,000). Who pays for the insurance and the deductible? Well....the customer pays in the end.....it's figured into the cost of what is sold.
BOP. This will usually cover business interruption insurance, vehicle for the business coverage, crime/break-in insurance.
In almost every case....if you activate a policy....your cost rises in the next twelve months. It might be 10-percent....it might be 50-percent. If this was a total loss, and due to a riot, you can imagine a insurance company looking at a possible repeat, and maybe bringing the package to a 100-percent increase. If there is no police coverage in the area, they might just refuse the insurance request, and say 'NO'. Odds of you rebuilding if no insurance is possible? ZERO, no idiot would go and build a McDonalds in a police-free zone.
There is a clear lack of understanding over capitalism, and the cost factor attached to conducting a simple coffee shop or restaurant operation.
Sunday, 14 June 2020
Just For the Record: Atlanta Mayors
Since 1848, the list of Republican mayors in Atlanta? Two guys.
Dennis Hammond did one single year in 1871, and stepped down in 1872.
Nedom Angier did two years, starting in 1877.
That's it.
Talking city council? No one has a full listing going back to 1848, but it would appear that the majority have been Democratic since that era.
Dennis Hammond did one single year in 1871, and stepped down in 1872.
Nedom Angier did two years, starting in 1877.
That's it.
Talking city council? No one has a full listing going back to 1848, but it would appear that the majority have been Democratic since that era.
How I Think The Riot Thing Will Go In The Fall
So basically, the Antifa 'kids' will return to classes in August (unless Covid-19 becomes a issue again).
'Marvin' and 'Larry' had an exciting summer. They were in Minneapolis and Chicago....burning and looting. They assaulted a dozen people each. Now, they must return to classes.
Somewhere in the first six weeks....they encounter some guy in a Trump-red-hat, and get hyped-up to react...beating the guy on campus. A video captures the action.
The assaulted kid gets a lawyer. The lawyer walks into the university president's office with three simple demands: (1) million in cash, (2) two armed guards (full-time, 24-hours a day) for remainder of time at school, and that Marvin and Larry be expelled. Failure to comply? The cash money goes up to 25-million. The video is played and the lawyer for the campus is now a bit worried.
Marvin and Larry get brought in....the video shown, and quick fashion....are expelled. They sit there in amazement....calling their parents. Both had 3 years accomplished. Lawyers jump in and threaten big lawsuits. University President invites them in....shows the video....then shows the fine-print of what the idiots signed. Yes, the University President can expel you for a list of reasons, and violence is one.
After flushing $20k in lawyer costs and burning up four months of time....the parents now realize....nothing is going to change.
So Marvin and Larry now take themselves to another state public college, and attempt to enter there. They ask for a copy of the transcript....which has at the bottom of it....'EXPELLED' and says the reason is for violence. 'Nope' is the answer.....this college won't accept them either. Over the course of a month, six colleges from the state say no.
Finally, they locate a private university in the state that will take them. But the eval on accomplishments is done, and they throw out almost an entire year. So both idiots have to repeat around 12 classes each. Since they've wasted their entire fourth year....they now begin the fifth year, and will have to add a sixth year onto their schedule. Cost factor? That goes up as well.
Now imagine this happening at least a hundred times....perhaps even 300 times. It's going to be a harsh reality coming up for some 'kids'.
'Marvin' and 'Larry' had an exciting summer. They were in Minneapolis and Chicago....burning and looting. They assaulted a dozen people each. Now, they must return to classes.
Somewhere in the first six weeks....they encounter some guy in a Trump-red-hat, and get hyped-up to react...beating the guy on campus. A video captures the action.
The assaulted kid gets a lawyer. The lawyer walks into the university president's office with three simple demands: (1) million in cash, (2) two armed guards (full-time, 24-hours a day) for remainder of time at school, and that Marvin and Larry be expelled. Failure to comply? The cash money goes up to 25-million. The video is played and the lawyer for the campus is now a bit worried.
Marvin and Larry get brought in....the video shown, and quick fashion....are expelled. They sit there in amazement....calling their parents. Both had 3 years accomplished. Lawyers jump in and threaten big lawsuits. University President invites them in....shows the video....then shows the fine-print of what the idiots signed. Yes, the University President can expel you for a list of reasons, and violence is one.
After flushing $20k in lawyer costs and burning up four months of time....the parents now realize....nothing is going to change.
So Marvin and Larry now take themselves to another state public college, and attempt to enter there. They ask for a copy of the transcript....which has at the bottom of it....'EXPELLED' and says the reason is for violence. 'Nope' is the answer.....this college won't accept them either. Over the course of a month, six colleges from the state say no.
Finally, they locate a private university in the state that will take them. But the eval on accomplishments is done, and they throw out almost an entire year. So both idiots have to repeat around 12 classes each. Since they've wasted their entire fourth year....they now begin the fifth year, and will have to add a sixth year onto their schedule. Cost factor? That goes up as well.
Now imagine this happening at least a hundred times....perhaps even 300 times. It's going to be a harsh reality coming up for some 'kids'.
Saturday, 13 June 2020
The Thing About Gone With The Wind
In recent days, folks are hyped up about Gone With the Wind. I sat and pondered over this.
To be honest, I was probably 23 years old before I saw the movie....via my cable-TV connection in the barracks in Louisiana. This was the 221-minute version, with another hour of commercials added in. On the long-scale....this was about five hours of viewing and I could not imagine how you'd run this in a normal theater in 1940.
On the drama side? Well....I give it plus-points. Then I come to the final fifteen minutes of the movie. This whole thing is mostly a five-hour dramatic piece about Rhett and Scarlett, and last minutes really deny this whole relationship thing, and Rhett has just had enough of all the drama and fake-love stuff....so he says adios and walks off.
I sat there for about half an hour.....mute on, with the next movie running. I'd put five hours into watch what was a historical romance piece, which turned into a one-star ending at the close. I felt negative about that.
Since then....I've probably watched about 90 minutes of the beginning on one occasion, and flipped the channel at some point.
Yeah, I'll admit.....it's just a marginalized story, bound into some epic deal, with Clark Gable and Vivien Leigh. For historical content? I might give it two stars.
Now with this anti-Civil War crowd? I would imagine each person that made the anti-statement....would admit that they've never watched it, and probably can't pass more than 30-percent of questions on a general history quiz. If you asked them who stars in the movie, or the direction of the script? Zero knowledge.
To be honest, I was probably 23 years old before I saw the movie....via my cable-TV connection in the barracks in Louisiana. This was the 221-minute version, with another hour of commercials added in. On the long-scale....this was about five hours of viewing and I could not imagine how you'd run this in a normal theater in 1940.
On the drama side? Well....I give it plus-points. Then I come to the final fifteen minutes of the movie. This whole thing is mostly a five-hour dramatic piece about Rhett and Scarlett, and last minutes really deny this whole relationship thing, and Rhett has just had enough of all the drama and fake-love stuff....so he says adios and walks off.
I sat there for about half an hour.....mute on, with the next movie running. I'd put five hours into watch what was a historical romance piece, which turned into a one-star ending at the close. I felt negative about that.
Since then....I've probably watched about 90 minutes of the beginning on one occasion, and flipped the channel at some point.
Yeah, I'll admit.....it's just a marginalized story, bound into some epic deal, with Clark Gable and Vivien Leigh. For historical content? I might give it two stars.
Now with this anti-Civil War crowd? I would imagine each person that made the anti-statement....would admit that they've never watched it, and probably can't pass more than 30-percent of questions on a general history quiz. If you asked them who stars in the movie, or the direction of the script? Zero knowledge.
The 'No Police' Era
Just my humble opinion, but as you get to some fairly progressive cities, and police operations are phased out....it'll take less than five days for some murders to capture the city's imagination and people will ask 'who' will save them? The response....you can only save yourself, by carrying a gun and shooting the other guy as quickly as possible.
At least three to five months will pass as the city council tries to explain the 300-percent increase in shooting deaths.
Bouncers will carry guns. Grocery operations will hire private security. Banks will start to have two guys on duty with guns. Schools will hire private security.
At some point, the five big problems will present themselves: (1) Everyone seems focused on qualifications for private guards now, (2) Everyone will focus on the necessity of people carrying weapons on their belt into stores, (3) Enough news reporters will have been threatened to trigger some worry about the news, (4) Some 18-year old kids in schools will demand the right to haul a weapon into school, and (5) Gun rental shops will start to open up within a thousand feet of airports....where you can rent a pistol for a week while on vacation.
Around the sixth month of this....the topic of bringing back the police will occur. By the ninth month, the hiring process will start.
At least three to five months will pass as the city council tries to explain the 300-percent increase in shooting deaths.
Bouncers will carry guns. Grocery operations will hire private security. Banks will start to have two guys on duty with guns. Schools will hire private security.
At some point, the five big problems will present themselves: (1) Everyone seems focused on qualifications for private guards now, (2) Everyone will focus on the necessity of people carrying weapons on their belt into stores, (3) Enough news reporters will have been threatened to trigger some worry about the news, (4) Some 18-year old kids in schools will demand the right to haul a weapon into school, and (5) Gun rental shops will start to open up within a thousand feet of airports....where you can rent a pistol for a week while on vacation.
Around the sixth month of this....the topic of bringing back the police will occur. By the ninth month, the hiring process will start.
Friday, 12 June 2020
Chaz-Chatter
Over the last few days in Seattle....chaos has ignited and a new country has opened in the downtown part of Seattle....Chaz (that's what the protest crowd calls it).
From what I can figure of this new 'country' (Chaz).....it takes up part of a city park (figure 400 by 400 ft), an area of E-street (maybe 700 ft), and two square blocks (combined to be around 300 by 600 ft).
People who reside there? Chazians or Chazzers?
No one says much about taxes so far. It is obvious that the residents of Chaz are a bit malnourished and pleading for food (looting for food as well).
Homeless people recognizing the nation of Chaz? So far....no indicator that any of them are moving in. You get the impression that living in Seattle was a little bit better than living in Chaz.
Bus route through Chaz? Well....before all of this....there was a bus stop at Bobby Morris Playfield and 11th street. I'm guessing buses got redirected and don't pass through Chaz.
Bars and pubs in or around Chaz? You can count around around twenty bars within the nation of Chaz or within walking distance. There was one gay bar within Chaz....hard to say if it's still operating. Booze might be questionable for delivery at this point.
Survival of Chaz? Well, being a optimist....I'd say that they will survive through til the middle to end of next week. There is a federal law or two on the concept of insurrection, and it involves hefty time in jail if convicted. Course, Trump could just look the other way and say that Seattle is 'lost' and suggest that Chaz can hold onto the whole city of Seattle.
So this brings up several questions. Will it be the Chaz Seahawks? Will Sea-Tac Airport rename to Chaz-Tac Airport? Will you be required to hold Chaz visas if visiting? Will the 7th district of Washington state (Chaz area) be voided and the lines redrawn?
What happens if the area around Portland also converts....to 'Flippy'? What happens if 'Flippians' decide to fight 'Chazians'? Would we stand in the way of this civil war or try to help the Chazians out. And if the people of Boise flip into a new Republic of Berg? Would we help the Bergians out if Chazians came to threaten them?
Pretty exciting with all this chaos, if you sip enough booze and get animated over CNN coverage.
(please note, if the Chaz people ask for me to be an ambassador, I would seriously take them up on this)
From what I can figure of this new 'country' (Chaz).....it takes up part of a city park (figure 400 by 400 ft), an area of E-street (maybe 700 ft), and two square blocks (combined to be around 300 by 600 ft).
People who reside there? Chazians or Chazzers?
No one says much about taxes so far. It is obvious that the residents of Chaz are a bit malnourished and pleading for food (looting for food as well).
Homeless people recognizing the nation of Chaz? So far....no indicator that any of them are moving in. You get the impression that living in Seattle was a little bit better than living in Chaz.
Bus route through Chaz? Well....before all of this....there was a bus stop at Bobby Morris Playfield and 11th street. I'm guessing buses got redirected and don't pass through Chaz.
Bars and pubs in or around Chaz? You can count around around twenty bars within the nation of Chaz or within walking distance. There was one gay bar within Chaz....hard to say if it's still operating. Booze might be questionable for delivery at this point.
Survival of Chaz? Well, being a optimist....I'd say that they will survive through til the middle to end of next week. There is a federal law or two on the concept of insurrection, and it involves hefty time in jail if convicted. Course, Trump could just look the other way and say that Seattle is 'lost' and suggest that Chaz can hold onto the whole city of Seattle.
So this brings up several questions. Will it be the Chaz Seahawks? Will Sea-Tac Airport rename to Chaz-Tac Airport? Will you be required to hold Chaz visas if visiting? Will the 7th district of Washington state (Chaz area) be voided and the lines redrawn?
What happens if the area around Portland also converts....to 'Flippy'? What happens if 'Flippians' decide to fight 'Chazians'? Would we stand in the way of this civil war or try to help the Chazians out. And if the people of Boise flip into a new Republic of Berg? Would we help the Bergians out if Chazians came to threaten them?
Pretty exciting with all this chaos, if you sip enough booze and get animated over CNN coverage.
(please note, if the Chaz people ask for me to be an ambassador, I would seriously take them up on this)
My Feeling Over Renaming Bases
With all this chatter about renaming US military installations if they bear some Civil War individual name.....I've come to this conclusion.
First, we need to rename the Civil War....the 'Uncivil War'. This is because it was very uncivil in the end. This will require taking in all history books (libraries, high schools, universities), and burning them....then waiting for the replacement books to arrive.
Second, all bases.....even those which have no connection to the 'Uncivil War'....need to be renamed. So I would start a new naming convention. Base 'A1'. Army Post 'E8'. Naval Station 'Q8'.
Occasionally, we would switch the names around, to confuse the Russians and their strategic targeting.
Third, anyone named Lee or Bragg in the US....will be given one year to adapt to a new last name. Anyone failing this order, will be given the last name of 'Trump'.
Fourth, all American history will be limited to the first seven years of high school. History will be forbidden after that point.
Fifth, any 'experts' who appear on CNN or Fox, to talk about history....must pass an actual history test, on a yearly basis.
Sixth and final, all statues and paintings within the US Capital building must be removed by the 4th of July of this year. The Capital building must be sanitized and represent....nothing of the the past.
(I should note this....toward the end of an era in both Roman and Greek history.....statue dumping reached a enthusiastic period, and everyone was doing it on a weekly or daily basis).
First, we need to rename the Civil War....the 'Uncivil War'. This is because it was very uncivil in the end. This will require taking in all history books (libraries, high schools, universities), and burning them....then waiting for the replacement books to arrive.
Second, all bases.....even those which have no connection to the 'Uncivil War'....need to be renamed. So I would start a new naming convention. Base 'A1'. Army Post 'E8'. Naval Station 'Q8'.
Occasionally, we would switch the names around, to confuse the Russians and their strategic targeting.
Third, anyone named Lee or Bragg in the US....will be given one year to adapt to a new last name. Anyone failing this order, will be given the last name of 'Trump'.
Fourth, all American history will be limited to the first seven years of high school. History will be forbidden after that point.
Fifth, any 'experts' who appear on CNN or Fox, to talk about history....must pass an actual history test, on a yearly basis.
Sixth and final, all statues and paintings within the US Capital building must be removed by the 4th of July of this year. The Capital building must be sanitized and represent....nothing of the the past.
(I should note this....toward the end of an era in both Roman and Greek history.....statue dumping reached a enthusiastic period, and everyone was doing it on a weekly or daily basis).
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