Beck Water

Deuxmoi posted and deleted (via reddit): Deuxmoi later posted this explanation: So there you have it, update from the "source" quoted in that article.

Well, I wanted to know what folks think, so thank you very much for your response. Would you say it's "coercive" to try to negotiate, and if so, can you explain why?

Savvy guy, your Dad. Credit cards charge sellers somewhere between 1.5% and 3.5% of a sale all-told, so offering cash should be able to get one a bit of a discount. I probably wouldn't go for it on something like a lawn mower, because the credit card offers the ability to dispute the charge if there turns out to be a problem and the seller won't put it right. But there's usually a flat charge of $0.05-$0.1 in addition to the percent, so on small items one can often gain a little discount offering cash. https://www.merchantmaverick.com/the-complete-guide-to-credit-card-processing-rates-and-fees/ Some of the restaurants in this area, particularly independent ethnic restaurants, outright offer a discount for paying in cash and have little signs posted or even in the menu, stating this. And I completely respect that viewpoint. If someone tells me their price is firm, that's just what I do, buy it or walk. But hopefully you can recognize that isn't how everyone prices things or does business, so it's not intended as some kind of personal insult if someone shows up and asks to buy at a lower price.

Depends on the thrift store here. Usually Goodwill is a "no", they don't bargain unless you note a condition flaw or something missing. Then they might, though for clothes they don't seem to as a matter of policy. I guess maybe some people damage stuff. The "flea market" type stores seem to have some leeway to bargain. If I bargain before I meet up, I wouldn't bargain again after I get there. The thing is, we buy a fair bit of furniture and condition is very subjective. Some people honestly describe something as "oak" or "solid wood" and it's actually veneer covered particle board or plywood. They usually aren't lying or misrepresenting, they honestly don't know. And one person's "perfect" may be my "yeah, that needs a housecall from the Furniture Doctor". So my wording is specific "I'd like to come look at it". I'm not committing to buy. If someone else buys it 10 minutes before I arrive, that's my problem. The part that puzzles me is the whole "they only bargain because you coerce them into it" bit. How does one "coerce someone" into bargaining, short of showing up with a pair of guys in dark suits that bulge under the shoulder? I can offer someone a price, and they can decline to accept it and state that their price is firm. Then I can either pay it, or move on and they sell it to the next person. If there is no next person at their price, then they've probably over-valued their item for the local market and they need to adjust their notions. Where is the coersion?

Estate sales are the venue I find least open to bargaining, unless it's the last day which is usually half-price. But if I'm interested in a handful of things and they're not too busy, I'll try. At least around here, IMHO estate sales seem to mark things high, so that they're still getting what they want after they mark things down 50% on the final day. I usually start out offering 30% less than the asking price, but it really depends on how the item is priced to start with and what it's worth to me.

The multiple "husband" references are why I think the cause of the breakup might be that she wanted to get married, and may even have tried what Kelly Hall Stafford stated she did when she had Britt on her show, and given Josh an ultimatum "engagement/set a date or Done". I think her friends are trying to support her by implying she won't have any trouble finding a guy who wants to marry her, and focus on her and spoil her in a way a football- and golf- obsessed NFL QB probably didn't. And maybe she'll find such a guy pronto, and maybe it will work out for her. But like I said elsewhere - if it was my daughter who just ended or saw the end of a 7 year relationship where she's been living a lavish lifestyle for the last 6 years, apparently on someone else's dime - I would want her to take a breath and ground herself. Get a job, focus on building the business she started, go on a mission trip, pursue an advanced degree, anything - support herself and spend some time finding out who she is when she lives independently. So I find it cringe-y myself.

Question came up after something that happened yesterday, so I started a poll. We've been buying stuff off Craig's List or Facebook Marketplace or from yard sales/flea markets.thrift shops for years. We bargain. Heck, I'll bargain over stuff that some people wouldn't think to bargain over, having been trained by an exec at a former place of employment (motel room prices, clothes in stores. There's a rhythm and a feel to it. If a price is listed "Firm", you go there expecting that the person probably won't bargain. Sometimes I'll make an offer, and the seller will say "I've come down already, that's really my bottom price" or "I'm firm where I'm at" and I know to either pay the asking price or walk. I make an assessment of how motivated the seller is to part with the item, as well. Usually I offer about 30% less than the person is asking, the seller counters and we might go back and forth. If it's a fairly common item, sometimes I walk. If it's something I really want and it's still for sale a couple weeks later I might reach out, maybe repeat my offer or maybe offer a bit more for "face". Same thing when I'm selling. If I don't went to negotiate, I'll note"firm". Someone offers a stupid low price, I might counter "I think it's priced pretty fairly where I'm at" and see what they say. Experienced bargainers might gently point out a condition flaw (maybe I missed it), or the price of similar listed items, or ask me why I feel it's worth that. If someone just trashes the item I'm offering, I'll tell them "I don't think we're gonna be able to do business, have a nice day". I wouldn't call myself an expert bargainer, but I've never had a problem. So yesterday I went to look at a piece of furniture. The price listed was not noted as "firm". It wasn't quite the flawless thing advertised - had some white paint on it I could probably take off, possibly not without marring the finish. But the seller acted as though asking to look at it = agreed to buy. They were ready to load it into my car before I even looked it over! The "fun" began when I made an offer. I was informed that if I wanted to bargain, I should have bargained before I come look and it's terribly rude to do otherwise. I never heard of this, but I apologized for the misunderstanding and for offending the person, telling them I've been bargaining as a buyer and accepting bargaining as a seller for years, but I do understand she feels different. Told her I liked it, but there are similar looking items listed at the price I offered and there was no intent to offend. She reiterated that it was just completely inappropriate and rude to show up and bargain. Then her husband weighed in telling me the people I've purchased from "only bargain with you because you coerce them into it" (!!!!!?). I would have been fine with either buying or walking at her price if she'd just said "I think it's priced fairly, I'm firm ", but she was acting like I was violating some unwritten rule of Facebook Marketplace Etiquette and making it kind of personal. So when the husband opened his yap about being coercive, I "Nope!"d right out of there. Told them I'm not gonna deal with this, got into my car and left. But it did leave me wondering if I'd breached some rule of Facebook Marketplace etiquette that I never heard of. So....fellow wayfarers, like the poll says - do you buy/sell items at yard or estate sales, or on Craig's List/Marketplace (or other)? If so, what's your etiquette? Do you bargain? Do you only bargain if you bargain before you come look? Do you just pay whatever the seller asks? Cheers! Edit: I added "I don't buy stuff from those places so not relevant" options to Q 2 and 3 'cuz someone told me it wouldn't let them answer the poll "Do you bargain" without answering the other 2 questions

Sorry about the loss of your dog

He didn't talk about what he's doing to improve, but he did talk in that clip about doing a "deep dive" into his film - what the playcall was, where his eyes went, where he should have looked first. I know there are various VR setups to train stuff like that, he didn't discuss what if anything he does. Thanks, yeah, that's the clip I indexed from the Kyle Brandt show. OP also linked this, in which Josh is wearing black pants, a white T, his trademark "Super Cade" Never Give Up bracelet, and a khaki tan "work shirt" with a New Era cap he's advertizing. Sitting in a chair. I mean, the guy can't sit in a chair wearing a ball cap without criticism? https://www.instagram.com/p/Cr_5dFcgWod/?igshid=NTc4MTIwNjQ2YQ%3D%3D It's peak Off-season.

The *****?

So for @Shaw66 and @Tipster19, check out about 23:25 in. Brandt asks Josh about his "never been more locked in" comment and Josh talks about what he meant by it.

Space taken up by pool and hot tub, basketball court, open living areas and open balconies, and large bedrooms with attached bathrooms and walk-in closets. Was this a trick question?

Would you be surprised to know that all three of those links you provided can be searched, without finding the phrase you actually quote the DA Amador as saying? I searched for "Amador" and "force" as well, just to be sure. That's actually....kind of flagrant The phrase "cannot prove forceable sexual assault" was used in the SI link. There is a legal difference between "cannot prove forceable sexual assault" and "I don't see any elements of force being used in the sexual encounter". The former means it would not likely meet a criminal court's standard of "proof beyond a reasonable doubt".

So since this is just 5 hrs ago....my $0.02 is if your need for the money is low enough that you can play, don't take the 10% penalty and pay taxes on it. Instead, look into a self-directed IRA. If it's beneficial to you to pay taxes at your current bracket, convert it to a Roth IRA and continue to let earnings grow tax free. Whoever is managing your 401(k) may have low-fee investment self-directed IRA you could roll it into if you want to segregate the money - that could be your most cost-effective bet and worth looking into. You might also be able to just roll your IRA into your 401(k), if it has favorable fees and investment options. At my former employer, we had the option to open an individual investment account as part of our IRA. We could use it to self-direct our 401(k) contributions into a wider variety of funds, individual stocks, etc. If your work 401(k) charges too much in fees, consider a Vanguard IRA. They've been pretty good to work with (knock wood) and the fees are nice and low. Some studies hold that the best prediction on ROI for mutual funds is low fees. I'm an "efficient market", Bogle-type investor myself. HTH. I ain't an investment champ, but we did both retire age 55.

This is what we have. 4 1/2 stars, recommend. the 1/2 star off is that it has foreign transaction fees, so I have a Costco visa card to buy gas, stuff at Costco, and travel.

We have a Barclays savings account that now pays 4%. Transfers to and from other bank accounts free. Mom has Synchrony, 4.15%. She likes it because they send her a paper statement and she can bank by phone. Kid has Ally, 3.75%. She likes it because it lets her organize her deposits into "buckets" for different goals We have respectively had these accounts for years because they consistently offer some of the best interest rates. Vanguard has a federal money market fund which is currently paying 4.95% with a 0.11% expense ratio VMFXX. They also have a variety of short-term CDs with good interest rates. For longer term, a US I-bond might be worth looking at, depending upon your desire for liquidity and cash reserves. 6.89% We have a Fidelity VISA card that pays 2% cash back on all purchases. No annual fee, have had for years, cash goes into my brokerage account. Use it to pay for everything that doesn't charge an extra fee for credit card payment except travel, it has a foreign transaction fee so we have a 0 foreign transaction fee card for that. Knock wood no problems with disputes etc. Have never had a balance. HTH I did a bunch of modeling when we were contemplating retirement, and getting even 1-2% interest on cash reserves made a significant difference to our success probability (this probably depends upon how much cash reserve your personal risk tolerance chooses) We used to have a Kasasa account - moved twice, just recently gave it up. For those who don't know, Kasasa checking (and linked savings if applicable) pay higher interest if you meet certain criteria. We shopped for best interest and lowest criteria. It was a way to get 2-3% interest on a portion of our cash when everyplace else was 0.11% (also Barclays was 1% then). But, it's now not competitive for interest so not worth the PITA of meeting their criteria.

Off the Wall

Where's all the folks psychoanalyzing Diggs latest tweet for hints that he wants to be traded etc?

Oh, well, NOW you're talking Cam Lewis is one of those feel good stories where I read it and I'm like "Dude, for your long term physical health, PLEASE hang up your cleats and get that damned bone infection in your arm treated." I read this as indicating he is vested with 3 credited seasons, meaning he gets health insurance for 5 years, a pension, and a number of other benefits.

Exactly. Well put. With the addendum that, whether or not anyone wants to hear it, the alleged victim's lawyer is sending up smoke signals that Araiza's legal troubles are not over and he is still facing a civil suit where the standard of proof is "more likely than not", not "beyond a reasonable doubt". So I hope for his sake that Araiza's attorney actually does have all the stuff he claims he has (cell phone signals etc), and not just what the DA told the alleged victim's lawyer about - though it's a bit puzzling that wasn't apparently provided to the alleged victim and her lawyer at the DA meeting. And I hope the civil suit progresses promptly so he can get on with his life.

I could be mistaken, but from the photos I saw in the OP link, the view from the kitchen family room and one bedroom, appeared to be of a pool, not of the gym. That does kind of make it a specialty market, but I can see someone who has "water rat" kids and a swimming background considering that a feature, since you can cook and watch TV and keep an eye on the kids in the pool, and also go directly from your morning laps to your bedroom without dripping through the house. I think both Beane and Allen can afford all the custom creamcicle suits they want, AND the house, AND the car lease payments.

You're mis-remembering and mis-understanding what the DA actually said. But it's pretty clear we won't agree, so unless you care to post a link where the DA says "The video we saw actually does exonerate the accused" (hint: you won't find one), I'm outta here. Here, I'll even help: https://fox5sandiego.com/news/local-news/documents-prosecutor-claims-evidence-shows-matt-araiza-was-not-at-the-party-at-the-time-of-alleged-gang-rape/ There's a difference between "I can not prove any forceable sexual assault happened" and "the accused absolutely did not sexually assault you, they are exonerated". From how you're coming at me, I don't expect you to be able to understand the difference, but legally, it's there.

Really? How do you know this? You're full of baloney. You have no idea. None of us do. The lawyers didn't even see the videos because they're "child pornography". As for the rest, I don't think you're capable of understanding what I'm writing, much less what my personal opinion is. Prove me wrong.

Seems like a good time and place for this

Guy can't be "reinstated". He was never banned or barred or whatever He was released (cut) Free to sign with any team at any time