Search results

Results 1 to 200 of 2207
  1. Snobdds

    New Mexico / Colorado

    They are everywhere on I-80 in Wyoming. They do work.
  2. Snobdds

    Entry level California home costs up 88% since 2020.

    I think the housing problem, in 10 years, turns over due to demographic problems. In 10 years, most of the baby boomers will be gone. They, right now, capture over 50% of the housing stock between 1st and 2nd homes. The family formation rate is not high enough to absorb all those homes with...
  3. Snobdds

    Parents with dementia, how dealing with that has gone.

    I had my data guy run the prevalence of dementia running in families today... It came back with a 88% confidence interval for a given z score. That correlates to around a 94% chance. Not zero, but still significant. See below. "While both maternal and paternal family history can influence...
  4. Snobdds

    Parents with dementia, how dealing with that has gone.

    I would worry that your spouse had two parents with dementia. Really worry...
  5. Snobdds

    Medical Cost

    No they aren't. I am BCBS, I did actuarial stuff for years and now in charge of risk management for all of BCBS. I know this. You can't really get more benefits than those mandated by the ACA. In fact, you have pediatric dental in your 60's. Great benefit, too bad you pay for it and will...
  6. Snobdds

    Medical Cost

    The vertical integration was more from the standpoint of patient reporting requirements. Small dr. offices did not want to endure the burden of all the requirements. So they teamed up with hospital systems to help with the reporting requirements. Hospital systems also barred doctors that were...
  7. Snobdds

    Medical Cost

    All benefits are mandated to be those of obamacare. So you may not have a subsidized policy, but your benefits on that policy are the exact same as obamacare policies.
  8. Snobdds

    New Carburetor

    I invested in an ultrasonic cleaner. I have put in carbs that I never thought would run again. Varnish build up due to ethanol is what was killing my carbs. Savings one carb pays for the ultrasonic cleaner.
  9. Snobdds

    Medical Cost

    We need to break up the hospital groups. After obamacare, it incentivized all the hospitals to vertically integrate. Now we have hospital systems with college campus like amenities. The medical tend prior to obamacare was 4-6% annually. Now we are 10-12%. It doesn't take a rocket...
  10. Snobdds

    Medical Cost

    Why are boomers so entitled. You paid 39% of something, on a drug plan that is probably $60 per month. How much more assistance do you need?
  11. Snobdds

    Medical Cost

    The medical profession has been selling off data for at least 10 years now. You are 10 years too late with your outrage...
  12. Snobdds

    Medical Cost

    Well hospitals get to write off the difference between billed and reimbursed charges on their P&L. Why do you think all the hospitals are campus style facilities now? They used the reimbursement differential to build out facilities. So hospitals' have an incentive to have high charges and...
  13. Snobdds

    Medical Cost

    Because drug companies only sell to PBM's. They don't want to have inhouse sales people selling to 15K individual pharmacies. It would be a conflict of interest for insurance companies or Medicare to sell them too...
  14. Snobdds

    Medical Cost

    We know there is an entire body of people that will resist this just because of who it's from. They will be rejected even though it makes great sense. I want to see who big pharma aligns itself with on this issue. That will be the tell...
  15. Snobdds

    Medical Cost

    This is true, but the US funds the R&D for the world. For example, Humira cost the US consumer around 7K per injection, even during the patent phase. That same injection in Europe was around $200. Big pharma has deals with Pharmacy Benefit Managers to soak the US consumer with the brunt of...
  16. Snobdds

    Medical Cost

    That's nothing... We have people on 250K per month drugs. Anything to do with blood clotting issues is big time money.
  17. Snobdds

    Medical Cost

    Humira? That is the single most prescribed, high dollar drug, ever. The patent has since expired, and doctors should be prescribing bio similar drugs that cost a lot less...but guess what, doctors are still prescribing Humira specifically. They make so much money from drug reps that they...
  18. Snobdds

    I'll just have water

    Every once in awhile I am amazed by someone's cheapness. Damn man...I bet you steal the toilet paper, or highly considered it.
  19. Snobdds

    Medical Cost

    Wellness programs are a great way to incentivize early detection and prevention. However, due to the ACA, you couldn't really offer reduced premiums for the program. All that could happen is an employer would increase their contribution to your premium for participating. If you had a private...
  20. Snobdds

    Medical Cost

    Healthcare is primarily your diet, exercise, sleep, and lifestyle habits. What people call healthcare is actually sick care. Sick care wouldn't be so expensive if people practiced better healthcare. But, since they don't, we need to manage it for them through making healthcare more expensive...
  21. Snobdds

    Medical Cost

    We had high risk pools that predated the ACA for those with chronic pre-existing conditions. Those worked very well. Then the ACA comes along and changes things so drastically that the industry is moving away from it ten years out. Insurance companies have discovered obamacare will bankrupt...
  22. Snobdds

    Medical Cost

    We use to have a community rating approach to healthcare. Where the sick and healthy were lumped together in one pool. That only resulted in healthy people paying more in premium that did not reflect their true risk, and sick people paying less than their true risk. Now we will let the...
  23. Snobdds

    Medical Cost

    Well I'm using the data to make health insurance more affordable by aligning cost drivers to higher premiums and making non cost drivers have lower premiums. Neat, huh...
  24. Snobdds

    Medical Cost

    Doctors' offices now sell patient data to medical data brokers. Doctors offices have found a new source of revenue. Those forms you sign, well...you sign your rights away. I know because I purchased an AI platform that allows us to get medical information on anyone for rate setting...
  25. Snobdds

    Medical Cost

    Each state has a minimum coverage requirement to be able to sell that product. States have a reciprocity agreement to not punish people if that state has different thresholds. All your insurance is doing is subrogation recoveries for the stated medical amount on his policy. He will not pay a...
  26. Snobdds

    Medical Cost

    The hospital, if unsuccessful in collections, will just put a lien on your house. People think they are smarter than a hospital that has an entire department that has done this for the past 40 years.
  27. Snobdds

    Medical Cost

    They will not eat it...they will come for the balance after the Medicare reimbursement.
  28. Snobdds

    Medical Cost

    People wonder why insurance is so costly...it's because the procedures are so costly. Obamacare addressed access to healthcare, without addressing the cost of healthcare. Costs have gone parabolic since 2010.
  29. Snobdds

    The Resting Place.

    Momma...he's coming home.
  30. Snobdds

    I'll just have water

    Retire as soon as comfortably able to... I have not met one person, who actually planned for retirement, that said...gosh, I wish I would have worked longer. Time>money.
  31. Snobdds

    I'll just have water

    Don't worry about some dude and if he's going to make it. All you can do it take care of you...
  32. Snobdds

    I'll just have water

    You worked your entire life to enjoy life. Enjoy it. As I have gotten older, money is less and less important, as I've made plenty. What has become more important to me is time. I can throw a $100 out the window and make it back tomorrow. I can't throw a day out the window and make it...
  33. Snobdds

    I'll just have water

    I've never seen a hurst towing a uhaul full of money. Damn, that is next level frugal.
  34. Snobdds

    How could Artificial Intelligence become dangerous?

    I see a lot of resumes and I think around 60% are made with AI. It's getting hard to hire people that have a brain that is not tarnished with AI.
  35. Snobdds

    Opinions on older diesel trucks

    I just wanted to see if your thoughts are confirmed. Another data point. :)
  36. Snobdds

    Opinions on older diesel trucks

    What makes a small block chevy so good...bearing surface. They have huge bearing surfaces on the crank, and connecting rods relative to their size. That is true with a V based motor as there are 4 extra bearing surfaces to spread the load on to. There is more bearing surface to support more...
  37. Snobdds

    Opinions on older diesel trucks

    I was anticipating something different...
  38. Snobdds

    Opinions on older diesel trucks

    Why do you like them better, then?
  39. Snobdds

    Opinions on older diesel trucks

    What makes an inline better than a v configuration?
  40. Snobdds

    Where TF does Ford and RAM list all their equipment packages for their trucks?

    AI Overview Equipment group numbers on Ford vehicles, particularly Super Duty trucks, generally represent different trim levels and associated option packages . 300a is primarily associated with the XLT trim level on Ford vehicles, including the Super Duty lineup. This means when you see a...
  41. Snobdds

    Where TF does Ford and RAM list all their equipment packages for their trucks?

    https://realtruck.com/blog/ford-f150-trim-levels-explained/?srsltid=AfmBOorvaCI4skV1UqzqY6pJExF4DV2KbXc6uR6RXt3BXasw2q0uXf1c https://realtruck.com/blog/ram-trim-levels-explained/?srsltid=AfmBOoqjuiVt6Q1TNAUt5OuzwDTF5gb53IV4GqsN8xf9bg-gtr0NaSo4
  42. Snobdds

    Just another junk chainsaw

    That's my beef with the clones. They are profiting off of someone else's work. Their entire existence is due in part to others. Given enough time, and we have the fulfilment of the ancient Chinese proverb, which most will not connect the irony of...
  43. Snobdds

    Hardie Board Siding?

    The only difference between a dry snow and a wet snow is temperature. As soon as the temperature rises, that dry snow turns wet. Physics is unbeaten.
  44. Snobdds

    Ford Recalling Super Duty Pickups, Issues 'Do Not Drive' Warning for Brakes That Can Suddenly Fail

    My truck had this problem. I maybe drive my superduty 10 times a year. I took it to my cabin because I had to haul my side by side. I drove it up, unloaded the side by side, and parked the truck for 3 days. Get in to drive home and zero brakes. Nothing. Now where my cabin is, there is no...
  45. Snobdds

    No, I am NOT going to try to take down a dead 100' Hickory tree!

    That should be pretty evident to the eye before cutting. At that point if you're still uncomfortable...call for help.
  46. Snobdds

    No, I am NOT going to try to take down a dead 100' Hickory tree!

    Dead standing trees are not all that dangerous. It doesn't have a big lean to it it. The wood has a chance to slowly dry and get hard. Get in there, make a deep notch, and do a back cut. Don't have to pound wedges as there is really no hazards around to avoid. It's pounding of the wedges...
  47. Snobdds

    No, I am NOT going to try to take down a dead 100' Hickory tree!

    One could also say, why post such a topic if all he wants to do is leave a dead tree in the yard. What's the point?
  48. Snobdds

    Hardie Board Siding?

    I put in on my cabin, in deep snow country. It seems to be doing just fine.
  49. Snobdds

    A timber frame cabin memoir

    You should get some form of house wrap on your wood. The sun is not being kind to it. Would hate to see you have to redo stuff.
  50. Snobdds

    F150 Transmission Service?

    I would just get a mity vac and suck all the fluid out that you can, then put back in the same amount. Do it twice over 5k miles and you should have 90% of the old fluid out.
  51. Snobdds

    Opinions on older diesel trucks

    We had close to 25 6.0 over the years. During the winter the workers would do fluid maintenance on them. We never had a problem, ever.
  52. Snobdds

    F150 Transmission Service?

    Don't flush it. Just have them drop the pan, put in a new filter, and refill. It's the flush that kills the tranny, not the fluid replacement.
  53. Snobdds

    U-Haul 16' 10,000# Toy Hauler Utility Trailer Now Available.

    I doubt it. They would want the tow vehicle to be able to handle the stated GVWR of the trailer. Otherwise liability issues would be a problem for Uhaul.
  54. Snobdds

    Blown & Repaired Head Gasket: Red Flag for Buyer?

    Pass. It was abused in a commercial setting.
  55. Snobdds

    How could Artificial Intelligence become dangerous?

    It will kill millions of entry level jobs. A population that has no sense of purpose with a career is dangerous.
  56. Snobdds

    Rant against insurance agencies

    Copart has ruined the business. Now insurance companies are using arbitrage to find the relationship between what it will cost to repair vs what they can get from Copart to part out the vehicle. A car or truck that requires a lot of repair work is going to be totaled. I have seen if a...
  57. Snobdds

    RIP Phil Robertson Duck Dynasty

    Damn the pool table up there is dirty, full of hunting dogs hair.
  58. Snobdds

    RIP Phil Robertson Duck Dynasty

    From the era before cell phone pictures, circa 2003ish. The kid is a member's son. Crazy how time flies.
  59. Snobdds

    Camp property search

    It would be at the bottom of my priority list too... If it's not broken, don't fix it. That place needs more attention at other places.
  60. Snobdds

    I hope I can prevent this from happening to other operators.

    It wasn't your time. Some people survive horrific accidents and some people die on seemingly harmless stuff. The best of any bad situation is learning a lesson. I think you learned yours... Glad you are ok.
  61. Snobdds

    L5740 or some tractor

    Some people lack impulse control and need a nanny device like the ignore function to sleep well at night.
  62. Snobdds

    L5740 or some tractor

    He has me on ignore too...
  63. Snobdds

    L5740 or some tractor

    Arly has you on ignore...
  64. Snobdds

    Just another junk chainsaw

    ;)
  65. Snobdds

    RIP Phil Robertson Duck Dynasty

    I'll call my buddy and see if he'll snap a pic of the pic next time he's up at the hunting ranch...
  66. Snobdds

    Just another junk chainsaw

    My mom's just died...how much you want for it?
  67. Snobdds

    RIP Phil Robertson Duck Dynasty

    Those guys came out to our hunting ranch one time. They were good people. Pretty funny guy too...
  68. Snobdds

    Polaris or CF Moto?

    I have a ranger and a Rzr at the ranch and they get beat on. I've never had a problem with either of them. I also like the parts availability with Polaris. I just want to go in and get parts. I am not a parts guy and don't want to source all my own stuff.
  69. Snobdds

    Equipment/strategies to locate a break in underground PVC piping?

    Put pressure on the start of that pipe and go start listening for leaks.
  70. Snobdds

    Anyone experienced increased NO2 emissions on modern tractors with DPF?

    It helps, but the EGR does not operate at all times during operation. The SCR is what operates all the time during operation.
  71. Snobdds

    Anyone experienced increased NO2 emissions on modern tractors with DPF?

    LOL...DPF deals with particulate matter, sequestering it and then burning it off. The SCR is what injects UREA and counteracts the high Nox buy chemically adding an extra nitrogen atom, changing it from introitus oxide to nitrous dioxide. . If your tractor does not have SCR, you have...
  72. Snobdds

    Don’t forget that sunscreen.

    It's not an absolute debate, though. There are people that don't need it and there are people that need it to even step outside. There are also side effect issues that you ignore completely. Therefore, to argue it through the lens of moral shaming if something is not done...misses the point.
  73. Snobdds

    Don’t forget that sunscreen.

    First off, the push to stop using sunscreen often comes from folks worried about chemicals like oxybenzone and octocrylene, which are in a lot of mainstream sunscreens. These ingredients have been flagged for potentially messing with the environment—like harming coral reefs and aquatic life...
  74. Snobdds

    Camp property search

    There is absoultly no reason to get on grid anymore. There are so many cheap home battery systems that can provide any power demands needed. When I built my cabin in 2016, I was researching how to power it. At the time, the best $/KWH was a diesel generator. In 10 years that has totally...
  75. Snobdds

    Ford aluminum body vs Ram steel - can the Ram do as well?

    I know of a place in Colorado that puts sacrificial anodes on metal body panels and then grounds them to the frame. Mountain towns of Colorado put tons of salt on the roads and a car will be lucky to survive 5 winters there. The rusting via salt is to due positive ions, that use the salt...
  76. Snobdds

    Just another junk chainsaw

    I'm thinking of selling my Stihl 090. The best milling saw ever...
  77. Snobdds

    Wife pulled a new one.....

    Those front bumpers are what we call...damage multipliers.
  78. Snobdds

    GM recalls 721K trucks with 6.2L engine

    My Toyota Land Cruiser calls for 0W-20. It's a 5.7 V8 engine. It's fine. The 5.7 is known for being bulletproof. It's not the oil, it's the internals. The thicker oil is just a band-aid. Again, this motor has been in GM cars and trucks for over 20 years. Roller lifter engines are...
  79. Snobdds

    Very sad day

    My condolences.
  80. Snobdds

    GM recalls 721K trucks with 6.2L engine

    Hoping you would say that...it's just too much work and money for GM. So we have Toyota with basically the same problem in their 3.5 TT motors. Their solution is to replace the entire motor, everything. GM is just putting in thicker oil. GM deserves to go out of business if their solution...
  81. Snobdds

    GM recalls 721K trucks with 6.2L engine

    This engine design has to be 20 years old now. Why are engine flushes not part of the fix if it is debris? The only thing a higher viscosity oil does is provide greater shear resistance between bearing surfaces. It seems to me there are structural issues that thicker oil is trying to fix...
  82. Snobdds

    Any mathmeticians here

    If you optimize based on coverage alone and not location, it would save 4 hydrants. I would argue those 4 additional hydrants add better value by maximizing real space than the cost savings they would produce.
  83. Snobdds

    Sealer for fence posts

    That's what we do on the ranch.... My grandfather made a tank that all the old motor oil was drained into. Then the post would sit in it for a few days. Then they would be put in the ground. I have fence post that are over 80 years old and are still in great shape.
  84. Snobdds

    Diesel fuel #1 and #2

    That is exactly what the mechanic we had on the ranch instilled into me from a very young age. He was a mechanic on the north slope during the 70's and 80's. He knew how to keep diesels' from gelling up.
  85. Snobdds

    Any mathmeticians here

    My scale is a bit off...
  86. Snobdds

    Any mathmeticians here

    Place spigots at 80-foot intervals along the 490-foot sides (left and right, at 0,80,160,240,320,400,480 and one spigot at the midpoint of each 180-foot side or 90'. This requires 16 spigots total to ensure a 100 ft hose can reach every point inside the 180' x 490' rectangle without dead spots.
  87. Snobdds

    15 year old Craftsman mower issues

    One of Diggin it's finer threads...
  88. Snobdds

    Offered another unusual project

    The state is pissed I have senior water rights from a hundred years ago for it. I swear, I keep an attorney pretty much employed full time defending all the various people that want the water. It's crazy how valuable water is in the west...
  89. Snobdds

    Offered another unusual project

    My lake varies drastically between spring and fall. It also varies drastically between wet and dry years. Haven't you guys been dry lately?
  90. Snobdds

    New Excavator owner

    Welcome to the club...
  91. Snobdds

    Just another junk chainsaw

    They would probably work, for awhile. What you want is this (below)...it's bomb proof and will last a very long time under heavy duty cycle. I just don't know if the chinaisium has all that much duty cycle.
  92. Snobdds

    15 year old Craftsman mower issues

    A coil or magneto only provides enough current to fire a spark plug. They are not similar to an alternator that provides bulk current to charge a battery. Small lawn mower engines do not have alternators You need a new battery.
  93. Snobdds

    Frozen Sprocket

    Put the tip of the bar in a bucket of Diesel or kerosene overnight. It will clean and free up the nose sprocket. Proceed on...
  94. Snobdds

    What's for Breakfast? Humor me!

    A coffee and two bananas for breakfast. I try to eat a bigger lunch, it's usually some business lunch meeting. Dinner is just something lite, if that.
  95. Snobdds

    Equipment buying negotiation strategies, haggling stories sellers, etc.

    I never go into a deal with a strategy. It's all on the fly thinking and sensing out angles. I listen to what they have to say about it. I first and foremost get whether or not they have an emotional connection to it. If they do, going to low too quick puts them in a corner. In this...
  96. Snobdds

    Homes… Your Thoughts… Old or New?

    I think the #1 reason that old homes lasted longer is due to air flow. Those old homes were drafty and had very little insulation. I think new homes that are sprayed foamed up tight are going to be a problem in future years, unless done correctly. The use of open cell foam should be banned in...
  97. Snobdds

    Is it too soon to talk about Crypto yet?

    This guy...the pump is on. https://www.cnbc.com/2025/04/10/bitcoin-to-hit-250000-mag-7-adopt-stablecoins-charles-hoskinson.html
  98. Snobdds

    Tractors and (upcoming) tariffs?

    I'll give up some gains in my portfolio if it means that tens of millions of Americans have a better chance of finding stable work so they can feed their families, afford a home, and benefit from lower consumer prices. The world is dependent upon the US for consumerism. The hotels in...
  99. Snobdds

    Tractors and (upcoming) tariffs?

    No... Companies are still going to defend market share. While others raise prices, it provides an avenue for companies to boost revenue, by attracting customers through margins. Like anything, successful companies will navigate this and be better on the other side. It's a reset of sorts...
  100. Snobdds

    Tractors and (upcoming) tariffs?

    Folks just don’t get it. Rates are declining, Bessent is a happy man. His North Star is the UST 10 yr yield. Not the Fed! Tariffs will eventually force the Feds hand. Let the crazies in the equity futures have their fun. The real information is in the credit markets. UST 10 yr about to...
  101. Snobdds

    Neat way to hide a key.

    I guess I still live in a "high trust" part of the US. I have never locked my door and my keys are always in the vehicle. I feel bad for people that don't get to experience high trust society livin...it's pleasant.
  102. Snobdds

    Property/homeowners Insurance

    Never accept their first offer or second. You can tell them that is not enough money. Insurance covers replacement costs.
  103. Snobdds

    Is it too soon to talk about Crypto yet?

    The bitcoin maxi's are undeterred. Saylor's proposition: Give me $85, I promise to pay $10 a year in dividends. Since I have no money and can't pay, I'll pay additional interest on the missed payments, all the way up to $18. If I have money, I'll redeem the $85 shares for $100 but don't hold...
  104. Snobdds

    Is it too soon to talk about Crypto yet?

    Microstrategy is a ponzi...proof below.
  105. Snobdds

    Anyone else waiting to see if tractors without the EPA stuff are coming?

    The EPA is rolling back some emission standards, was just announced. If the official government policy at the time of purchase is "x", then you can't be punished later for adhearing to policy "x". Get those deletes now boys...
  106. Snobdds

    Keweenaw snow photos

    Were those taken live?
  107. Snobdds

    Is it too soon to talk about Crypto yet?

    The bitcoin maxi's are really turning people off to crypto.
  108. Snobdds

    The Life of a Custom Mowing contractor

    It was probably a good thing. Not being able to adjust prices in 5 years evenutally hits the bottom line. Let them walk, you will find replacement contracts. If they want to come back...make the price reflect the market price. People that think they are smart and just churn the market...
  109. Snobdds

    Choosing a tow vehicle

    Yes.. .the irony. You do understand what B:20 means right? Right?
  110. Snobdds

    Parents with dementia, how dealing with that has gone.

    We're dealing with it with my grandma now. My mom is very accommodating and nurturing, but I see it wearing on her. That has to be one of the toughest things a caregiver can go through, it's rough. I feel for anyone in this position.
  111. Snobdds

    Are CUT Manufacturers pricing themselves out of the market?

    No, they are not pricing themselves out of the market. There is a ton of money in the US. A ton. So much in fact that people are having a hard time finding assets to park all this money in. High interest rates can't even contain all the demand. In fact, inflation is headed back up due to...
  112. Snobdds

    New Mexico / Colorado

    Fantastic. Tell all your friends.
  113. Snobdds

    New Mexico / Colorado

    You're not helping.
  114. Snobdds

    New Mexico / Colorado

    Just remember, wyoming sucks.
  115. Snobdds

    Something you want but can’t get or afford.

    You spend your whole life seeing them as your protectors—strong, capable, invincible. Then, almost without warning, the roles begin to shift. Maybe the hardest part is just witnessing the gradual loss of who they used to be. But here is my reframing….this is the chance to be present, to...
  116. Snobdds

    Something you want but can’t get or afford.

    My dad has less time on this earth than me, mathematically speaking. I can do those things, but it does not make him any younger. I need to seize the opportunity while it's still there and attainable. He's 73 and is finally starting to retire from a company he owned for decades. He had...
  117. Snobdds

    Stihl Chainsaw

    A thrill is one thing...getting wood is another. These get the wood...;)
  118. Snobdds

    Something you want but can’t get or afford.

    I can throw $100 out the window and make it back tomorrow. I can't throw a day out the window and make it back tomorrow. This summer I plan on going to the Cabin a lot more with my dad. I'm going to buy a fishing licence and fish the river with him. I haven't fished in 25 years, I use to...
  119. Snobdds

    Stihl Chainsaw

    I wasn't. But the above was kind of a bit of paranoia about being old. :ROFLMAO: :ROFLMAO: :ROFLMAO:
  120. Snobdds

    Stihl Chainsaw

    We have some paranoid old men around here... Don't worry, most days they try to not be expressive about it.
  121. Snobdds

    Stihl Chainsaw

    You guys sound paranoid...
  122. Snobdds

    Cool Nature Photos

    The ghost trees finally arrived...
  123. Snobdds

    Bird Has Passed Away

    Now that I see this, I haven't seen him post in a long time. He was a good guy. He wanted to give me some "fatherly" advice one day, and we ended up talking for a good hour on the phone. RIP old buddy...
  124. Snobdds

    Is it too soon to talk about Crypto yet?

    I've been asked to be an investor in a crypto bank ran by a very smart lady named Caitlin Long, called custodia bank. It has 1:1 deposits to loans, but it ran into the buzz saw the SEC under the old administration. It can't get fed accces like all banks need. I told her, that if there is any...
  125. Snobdds

    Is it too soon to talk about Crypto yet?

    Saylor is the worst thing for Bitcoin. He's running a ponzi backed by leveraged Bitcoin. I don't how else to say this, but just like SBF or the many others...things can't progress until he's gone.
  126. Snobdds

    Is it too soon to talk about Crypto yet?

    This time it's different...
  127. Snobdds

    2024/2025 Toyota Land Cruiser

    Have those too...and can confirm they are tough.
  128. Snobdds

    Cool Nature Photos

    Some people don't realize just how massive some of these mountains are. They are huge.
  129. Snobdds

    2024/2025 Toyota Land Cruiser

    No emotion, I knew exactly what the best was, and then perused it. Would not settle for anything less than the best. I did that with a woman too.
  130. Snobdds

    2024/2025 Toyota Land Cruiser

    I have never seen a more overbuilt engine in my life. Everything about it was designed to go 500k. The air filter was a cyclonic filter that could hold like 15 lbs of dirt. It was ridiculous how well that thing was made. It was my first purchase in 2003 when I first started to make coin...
  131. Snobdds

    2024/2025 Toyota Land Cruiser

    The 80 series had a straight six tractor motor that could be shot with a 50 cal and still run. :ROFLMAO: :ROFLMAO: :ROFLMAO:. You would approve.
  132. Snobdds

    Investments strategy with new administration?

    Why do pros make so much money in the stock market? They avoid the hype and buy boring stuff that makes lots of money. QQQ, SPR Next
  133. Snobdds

    2024/2025 Toyota Land Cruiser

    I still kick myself for getting rid of my 80 series.
  134. Snobdds

    2024/2025 Toyota Land Cruiser

    I'm going to keep my 200 series for awhile yet. Once I'm confident the new 300 series has all the kinks worked out, I will buy the Lx600, which is the only way to get the 300 series in the US. At that point I will remove all the Lexus badging and buy the 300 series front end from overseas...
  135. Snobdds

    Investments strategy with new administration?

    What sucks? This is valuable time you're wasting not getting into hiding.
  136. Snobdds

    Cool Nature Photos

  137. Snobdds

    Investments strategy with new administration?

    Does that even cover the dirt work for this shelter? But yes I agree, you should already be in hiding with your family. One must take precautions under such fascist times.
  138. Snobdds

    Investments strategy with new administration?

    How can I help this along?
  139. Snobdds

    Investments strategy with new administration?

    For those in the cheap seats...this is how tariffs work. They force companies to bring back manufacturing. It might be a good strategy to get back in the market to ride the wave of earnings to come.
  140. Snobdds

    Investments strategy with new administration?

    A person will not do better than a dollar cost averaging strategy. Just keep buying a diversified portfolio. If you don't know how to do that, buy index based mutual funds. Those buy the entire S&P 500 or Nasdaq. Dollar cost averaging, coupled with buy and hold are the best ways to gain...
  141. Snobdds

    2025 Ram trucks

    I'm hung up because it's what makes the low end torque. For example, on the 6.0 powerstroke, the motor that taught me. The 2003-2004 had a 10 blade compressor blade on the turbo. The 2005-2007 had a 13 blade compressor blade on the turbo. It was noticeable how much more low end torque there...
  142. Snobdds

    2025 Ram trucks

    You have one mode...
  143. Snobdds

    Who still drives a stick in 2025?

    My ranch truck...it goes anywhere, never gets stuck and it never breaks.
  144. Snobdds

    Entry level California home costs up 88% since 2020.

    LOL... Math brah, math. If payments have gone up 88% (your number) and interest rates are up marginally by 4% (7%-3%), what is driving the other 80% of the payment? The only way it fixes itself is if the asset price decreases. We are in the middle of one of the largest asset bubbles in...
  145. Snobdds

    80" of snow this week.

    This is from a couple of years ago. It took me 3 days of plowing for me to get to my front gate. That is the most I've seen in my part of wyoming.
  146. Snobdds

    Car and Truck Repair Skyrocketing Costs

    We had a lady get her car repossessed while it was parked on our companies parking lot. We told the tow truck driver he was not premitted to come onto our property to haul it off. He got all 5030 on us and said he was able to do anything he wanted. We didn't stop him and in the process he did...
  147. Snobdds

    estates

    Sometimes the trust is sent up in such a way that the bill is paid upon settlement, not upon creation. It just depends on how it designed. Ask.
  148. Snobdds

    Car and Truck Repair Skyrocketing Costs

    The model for automakers was to get everyone into leases. It creates a never ending demand for them. Then interest rates spiked and it exposed their model's one giant flaw. Part of the model to get everyone into leases, is charging more for parts. If leases became the norm, part prices...
  149. Snobdds

    BAD ENGINE OIL

    An AI video... People need to understand the internet better, especially old people. It's AI engagement farming for clicks.
  150. Snobdds

    2025 Ram trucks

    We went over this above already...
  151. Snobdds

    2025 Ram trucks

    I thought NA trucks needed RPM to generate their torque?
  152. Snobdds

    2025 Ram trucks

    But doesn't more bearing surface create more heat and wear? :ROFLMAO:
  153. Snobdds

    2025 Ram trucks

    There is only one thing that keeps an engine in the powerband...that is the transmission, not your foot.
  154. Snobdds

    2025 Ram trucks

    You wouldn't know if you needed more because the gearing is keeping you below 2500 RPM.
  155. Snobdds

    2025 Ram trucks

    Then why do transmissions not have just two gears to keep the engine in the powerband perpetually off idle?
  156. Snobdds

    2025 Ram trucks

    They do. But straight 6's also make less torque at the higher end of the RPM range. I guess we have to now figure out if a wider RPM range is bad?
  157. Snobdds

    2025 Ram trucks

    I think we just discovered off idle torque is a function of turbo efficiency through the RPM band.
  158. Snobdds

    2025 Ram trucks

    Like I said earlier...It's the turbos that do that. Straight six's are more efficient about getting the exhaust to spool the turbo than a V8. The down side to that is a straight six is spooled out faster than a V8, meaning a straight 6 runs out of air well before a V8. The top end of a...
  159. Snobdds

    2025 Ram trucks

    I bet next you'll tell me a 6.7 can produce more power than a 3.5 liter engine. Of course what you said is true. It's all obvious to anyone with a room temp IQ that has driven both a diesel and a gas engine. What I'm failing to understand is...what is off idle torque? Furthermore, your...
  160. Snobdds

    2025 Ram trucks

    Maybe, just maybe...off idle torque is created based upon how fast a turbo spools up? Just spitballing here.
  161. Snobdds

    2025 Ram trucks

    Have you looked at a dyno for a boosted gas engine? How is that any different than a inline 6?
  162. Snobdds

    2025 Ram trucks

    I've never heard of this off idle torque or even a metric that can define it. Can you point to me how I can read up more about it?
  163. Snobdds

    2025 Ram trucks

    Is this you chumming the waters?
  164. Snobdds

    2025 Ram trucks

    I'm really surprised they did not fix the roller lifters. Towing is not really a power thing, it's a gearing thing. That is why cab and chassis can tow more, because they have gears set up for that. Also, capacity is dictated by the axles and suspension. It looks like they finally fixed...
  165. Snobdds

    Mulcher for sagebrush on rocky ground?

    Fire. That is the best way to remove sage brush. It's too bad you are where you are, that kind of prevents that. If you want to tear equipment up, than go for it. Otherwise, manual removal is the second most cost effective way. It is obviously not the best at time efficiency. We burn...
  166. Snobdds

    Is it too soon to talk about Crypto yet?

    Michaël Saylor needs to be banished from Bitcoin. I will say it again. He is bad for Bitcoin.
  167. Snobdds

    Is it too soon to talk about Crypto yet?

    I know. Few remember when he did his same strategy back in the dotcom era. We studied him in college about what not to do. He's back and leveraged to the max and wants more.
  168. Snobdds

    Is it too soon to talk about Crypto yet?

    I don't like what Michael Saylor has done to the bitcoin market. He's turned it into a casino instead of a real functioning market.
  169. Snobdds

    Is it too soon to talk about Crypto yet?

    Saylor is so leveraged that if bitcoin goes down 20%, MTSR will go down 50%. People do not understand leverage.
  170. Snobdds

    Is it too soon to talk about Crypto yet?

    May I ask why does Microstrategy not buy long dated call options to ensure continued accretion in case BTC price skyrockets?
  171. Snobdds

    Is it too soon to talk about Crypto yet?

    I have my signal...the top is in.
  172. Snobdds

    Is it too soon to talk about Crypto yet?

    The entire thing with bitcoin is to create scarcity. Scarcity is the thing they believe will drive higher prices long term. Full disclosure, I own bitcoin. With that said, I am fully aware there is zero underlying assets supporting bitcoin. It's all a belief in something. One thing...
  173. Snobdds

    Skid Steer undercarriage question for farm use

    Tracked SS machines have zero suspension. Wheeled SS machines have zero suspension. They all ride like bricks.
  174. Snobdds

    Anybody cook with Washington black truffles?

    Truffles go best with cream dishes.
  175. Snobdds

    Stihl vs Husqvarna

    I know. My mom always said I should be a lawyer because I would never lose a case. I just always told her there was no money in being a lawyer.
  176. Snobdds

    Stihl vs Husqvarna

    Also, what you said I don't disagree with. Anything with a computer is questionable whether it will be around in 40-50 years.
  177. Snobdds

    Stihl vs Husqvarna

    Just own it. We all saw what you said.
  178. Snobdds

    Stihl vs Husqvarna

    English is your first language, correct?
  179. Snobdds

    Stihl vs Husqvarna

    Sure...
  180. Snobdds

    Stihl vs Husqvarna

    I'm not following your argument. You correlated new saws to new tractors with a purchasing reluctance. Then you bagged on new tractors with emissions and computers. Then you came back and praised new saws for them being reliable for you, despite you saying computers decrease life span. 🤪 I...
  181. Snobdds

    Stihl vs Husqvarna

    This website is calling it the 572 mark II. But I don't think it really is, just bad verbiage. https://www.merithardwareinc.com/product-page/husqvarna-572xp-mark-ii-20-chainsaw
  182. Snobdds

    Stihl vs Husqvarna

    This theory relies upon computer controlled tractors as a gold standard of reliability...because computer controlled saw sure aren't. There is a reason the forest service forbids computer controlled saws on fires.
  183. Snobdds

    Stihl vs Husqvarna

    I had no idea Husky is labeling the current 572 as a Mark II. I didn't realize they had to put out an updated 572. I guess I'm curious why the original 572 needed a mid release update.
  184. Snobdds

    Stihl vs Husqvarna

    But stratified...
  185. Snobdds

    Stihl vs Husqvarna

    Wise man... I have some saws that are 50 years old that still fire up and work just fine. I do not think the same will be said for some of these new saws. They have planned obsolescence built into them via the parts...
  186. Snobdds

    Stihl vs Husqvarna

    The 400 will beat a 562. Now if you are really talking about a 572, and not a 562, the 572 will be very close to the 400. A 572 should be way above a 400.1. I say should be because I don't even think the 400.1 is in the US yet. I just have not warmed up yet to the modern saws with a...
  187. Snobdds

    Stihl vs Husqvarna

    Stuffing the crankshaft will essentially change the compression ratio of the lower end leading to lower pressure on the up stroke leading to more air fuel mix, in theory anyway.
  188. Snobdds

    Anyone try the Holzfforma Fuel/oil container?

    Long bars require more oil. In fact, my oil tank is in need of refilling each time I fill with gas. I crank those oil pumps up to max.
  189. Snobdds

    Stihl vs Husqvarna

    I don't get hung up on what brand is better, because each has good saws and some bad. I focus on what saw of each brand are best... For this scenario...the 562 is a better saw. The stihl 362 is kind of a turd, but it's predecessor the 361...may be one of the finest saws ever made. I have a...
  190. Snobdds

    Keweenaw snow photos

    Were these taken live?
  191. Snobdds

    Since the Election........

    An economy, at its most basic level, needs confidence that money put out will bring a return on that investment. It's amazing what simple economic confidence will do. It's a metric that can't be quantified or qualified. It's a feeling. It's hard to explain to simple minds, but its there and...
  192. Snobdds

    New 2025 Ram 1500 with hurricane engine.

    Does that thing have an EGR hanging off the side? What is that big metal box.
  193. Snobdds

    My Goat/Horse Fence

    Great job.. Fence work is hard work, but it's so worth it when it's done.
  194. Snobdds

    Cold no start. Frozen fuel?

    Water is a factor with any fuel source. It's not specific to #1 diesel or #2 diesel.
  195. Snobdds

    New 2025 Ram 1500 with hurricane engine.

    I was not making an absolute argument, just saying they do a decent job with a photo showing minimal salt impact over the course of a few days. I have had many times where the weather was just warm enough to make the snow wet enough to stick to everything...like the result of what your truck...
  196. Snobdds

    Cold no start. Frozen fuel?

    Just pour some kerosene in the tank.
  197. Snobdds

    New 2025 Ram 1500 with hurricane engine.

    I have put a water sprinkler under a truck before and let it go for a half hour to water log dried on mud to then be easilly sprayed off. I don't know why I don't do this every spring on all the vehicles to get the salt off. So simple and I just never thought to do it.
  198. Snobdds

    New 2025 Ram 1500 with hurricane engine.

    One thing I have found to actually keept he salt off is mud flaps. They do seem to do a decent job. I use this vehicle mainly in the winter, and I put mud flaps on it. It does a decent job of keeping the salt off. This picture was even after driving around on salted roads.
Top