Author Topic: The "This Might Be A Stupid Question, But...." Thread  (Read 847549 times)

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Diane AKA Traska

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Re: The "This Might Be A Stupid Question, But...." Thread
« Reply #8160 on: August 07, 2013, 05:43:36 AM »
This is probably a really stupid question.

I've heard people here talk about permits to "carry a concealed gun".  If you don't have a permit like that, does that mean you can't have a gun at all or that you can have one but it has to be visible at all times when you carry it?

Usually the latter... open carry is used in a lot of states.
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crella

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Re: The "This Might Be A Stupid Question, But...." Thread
« Reply #8161 on: August 07, 2013, 07:00:51 AM »
New question --

How difficult is it to drive a 17ft. truck when you've never done it before?

Are there any tips one should know? Things to be aware of? (Especially driving in city traffic.)


DD#1 rented a truck for the move to her apartment tomorrow. The person that was going to drive (he's experienced with this size truck) has been called out of town due to a family emergency. So DD#1 has all her friends lined up for moving day and nobody's ever driven a truck this size before . . . I know that I would be scared spitless (I don't even like driving my own car in the city.)


Oh, and in case you're wondering why such a big truck? DD#1's friend is also moving all of her stuff . . . my house looks like a furniture warehouse right now. :D

Always give yourself extra room to turn; remember that your backend is longer so it will follow you tighter around the corner.  It really isn't that hard and sounds a lot scarier than it actually is.  Remember that you will take longer to stop because you're heavier.  You're also probably a bit wider, too, so don't hug the lines if you usually do because you don't have the same buffer you do in a smaller car.

I've been doing this since I was old enough to drive; you can do it, too!

And, don't forget the added height...I say this because DH crumpled the top of a U-Haul truck once in McDonald's drive-thru :-[

Dazi

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Re: The "This Might Be A Stupid Question, But...." Thread
« Reply #8162 on: August 07, 2013, 07:02:43 AM »
This is probably a really stupid question.

I've heard people here talk about permits to "carry a concealed gun".  If you don't have a permit like that, does that mean you can't have a gun at all or that you can have one but it has to be visible at all times when you carry it?

Usually the latter... open carry is used in a lot of states.

You can own a gun in the US without a concealed weapons permit.  You need to check local state laws and city/county ordinances to see how you are allowed to carry and transport it though.  Some states have open carry laws, some do not.

ETA:  Just because you have a concealed weapons permit in your state of residence does not mean it is honored in all states.  Please check if you are traveling between states.
« Last Edit: August 07, 2013, 07:05:34 AM by Dazi »
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kherbert05

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Re: The "This Might Be A Stupid Question, But...." Thread
« Reply #8163 on: August 07, 2013, 07:31:06 AM »
This is probably a really stupid question.

I've heard people here talk about permits to "carry a concealed gun".  If you don't have a permit like that, does that mean you can't have a gun at all or that you can have one but it has to be visible at all times when you carry it?
I'm in Texas. I don't have a concealed carry permit. I do have a 22 rifle. Now I wouldn't walk down the street with it. I can carry from the house to my car, to take it to our farm. Even if my sister's former neighbor was under the impression I WAS NOT ALLOWED TO DO THAT. She threatened to call the cops, when I picked it up from my sister's house and was walking to the car. (Following all safety rules.)


Also - Adding to Dazi's warning - You can not take a gun onto school property. My rifle was my Dad's. Mom had just left if locked up after Dad passed. When I got it (couldn't have it in my apartment), it needed cleaning. I mentioned I was going to go buy a kit. My uncle said to bring it by his house after work and he would take care of it. I pointed out I couldn't have it even just sitting in my trunk at school. Of course Uncle grew up with pick ups with gun racks in the back of the cab at school especially during hunting season.
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RingTailedLemur

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Re: The "This Might Be A Stupid Question, But...." Thread
« Reply #8164 on: August 07, 2013, 07:54:06 AM »
Thank you.  It was just idle curiosity - I have never even held a real gun nor do I intend to.
« Last Edit: August 07, 2013, 08:08:45 AM by RingTailedLemur »

Slartibartfast

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Re: The "This Might Be A Stupid Question, But...." Thread
« Reply #8165 on: August 07, 2013, 12:50:46 PM »
One of those "I can't believe these stupid old laws" things - in North Carolina you can't carry a concealed weapon over six feet long.

I'm having a hard time figuring out exactly how you would do that - a really tall guy with a spear down his back, maybe?  (I'm guessing it's meant for "concealed in a vehicle" or the like, but still!)

jpcher

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Re: The "This Might Be A Stupid Question, But...." Thread
« Reply #8166 on: August 07, 2013, 05:01:54 PM »
New question --

How difficult is it to drive a 17ft. truck when you've never done it before?

Are there any tips one should know? Things to be aware of? (Especially driving in city traffic.)


DD#1 rented a truck for the move to her apartment tomorrow. The person that was going to drive (he's experienced with this size truck) has been called out of town due to a family emergency. So DD#1 has all her friends lined up for moving day and nobody's ever driven a truck this size before . . . I know that I would be scared spitless (I don't even like driving my own car in the city.)


Oh, and in case you're wondering why such a big truck? DD#1's friend is also moving all of her stuff . . . my house looks like a furniture warehouse right now. :D

Always give yourself extra room to turn; remember that your backend is longer so it will follow you tighter around the corner.  It really isn't that hard and sounds a lot scarier than it actually is.  Remember that you will take longer to stop because you're heavier.  You're also probably a bit wider, too, so don't hug the lines if you usually do because you don't have the same buffer you do in a smaller car.

I've been doing this since I was old enough to drive; you can do it, too!

And, don't forget the added height...I say this because DH crumpled the top of a U-Haul truck once in McDonald's drive-thru :-[

Yikes!


Thanks for the responses. I found a pretty good resource on-line which pretty clearly explained all the ins-n-outs.

Turns out that roomies father was able to drive the truck. Phew! ;D

Girlie

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Re: The "This Might Be A Stupid Question, But...." Thread
« Reply #8167 on: August 07, 2013, 05:16:01 PM »
Maybe this is a really dumb question (I work in a bank, for goodness, sake, but can't get a decent answer there!), but since my husband and I are in that stage of thinking about buying a home, we're trying to figure out the proper steps.

1) Talk to bank.
2) Talk to real estate agent.

We've done neither, because I've been told that I would probably need a pre-qualification first. What exactly IS a pre-qualification (for a FHA loan), are you guaranteed those limits if you find a house that you like, and what should we expect to bring in order to get it? We're pretty concerned, and my bank has been no help at all in clearing this up for me (small bank, doesn't do FHA loans, and apparently takes offense when employees want a mortgage with a lower rate than they are currently offering, which I've heard is high for our area).

Slartibartfast

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Re: The "This Might Be A Stupid Question, But...." Thread
« Reply #8168 on: August 07, 2013, 05:28:33 PM »
Pre-qualification is a promise that the bank will loan you up to whatever amount you're qualified for.  It's good to have in hand when you start looking for houses, because it's proof you're serious about buying (instead of just being someone who likes going to open houses and daydreaming about "someday.")  Banks aren't as bad about it as they used to be, but they'll still pre-qualify you for a bigger chunk of your income than you probably ought to spend, so don't take it as "this is our price range now"  :)

If you have a steady job with a paycheck, the process is relatively straightforward - but it varies from bank to bank.  When we refinanced, an internet bank had the best rate - but they needed (no joke) fourteen different things from us, most of which weren't something I normally have sitting around in my file cabinets.  We ended up going with a local credit union which was willing to match the internet bank's rate and only required looking at our account and saying "Yup, they keep money in this thing and they're depositing a paycheck regularly!"

If you work freelance, have irregular income, own your own business, etc. things can be a bit more complicated, and again they'll vary by bank.  (When we bought our house originally, it was a week after DH started his first "real" job.  We went with the bank that was willing to loan to us despite us not having two months' worth of paystubs available.)  In general, the more irregular your income is, the less money the bank is willing to loan you (proportionally), because they don't want to be on the hook if your income stream dries up.

VorFemme

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Re: The "This Might Be A Stupid Question, But...." Thread
« Reply #8169 on: August 08, 2013, 07:06:21 PM »
New question --

How difficult is it to drive a 17ft. truck when you've never done it before?

Are there any tips one should know? Things to be aware of? (Especially driving in city traffic.)


DD#1 rented a truck for the move to her apartment tomorrow. The person that was going to drive (he's experienced with this size truck) has been called out of town due to a family emergency. So DD#1 has all her friends lined up for moving day and nobody's ever driven a truck this size before . . . I know that I would be scared spitless (I don't even like driving my own car in the city.)


Oh, and in case you're wondering why such a big truck? DD#1's friend is also moving all of her stuff . . . my house looks like a furniture warehouse right now. :D

Always give yourself extra room to turn; remember that your backend is longer so it will follow you tighter around the corner.  It really isn't that hard and sounds a lot scarier than it actually is.  Remember that you will take longer to stop because you're heavier.  You're also probably a bit wider, too, so don't hug the lines if you usually do because you don't have the same buffer you do in a smaller car.

I've been doing this since I was old enough to drive; you can do it, too!

And, don't forget the added height...I say this because DH crumpled the top of a U-Haul truck once in McDonald's drive-thru :-[

I saw a photo of where someone absent mindedly drove up to an ATM - one with a shade overhanging it - that was considerably shorter than the rented moving truck.  And then left their ATM card in it because they were in such a hurry to get away...turned out that the rental truck company wanted the truck repaired, too.  I wish I remembered what happened - but all I remember is thinking "Crud Monkeys!"
Let sleeping dragons be.......morning breath......need I say more?

artk2002

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Re: The "This Might Be A Stupid Question, But...." Thread
« Reply #8170 on: August 08, 2013, 11:54:49 PM »
New question --

How difficult is it to drive a 17ft. truck when you've never done it before?

Are there any tips one should know? Things to be aware of? (Especially driving in city traffic.)


DD#1 rented a truck for the move to her apartment tomorrow. The person that was going to drive (he's experienced with this size truck) has been called out of town due to a family emergency. So DD#1 has all her friends lined up for moving day and nobody's ever driven a truck this size before . . . I know that I would be scared spitless (I don't even like driving my own car in the city.)


Oh, and in case you're wondering why such a big truck? DD#1's friend is also moving all of her stuff . . . my house looks like a furniture warehouse right now. :D

Always give yourself extra room to turn; remember that your backend is longer so it will follow you tighter around the corner.  It really isn't that hard and sounds a lot scarier than it actually is.  Remember that you will take longer to stop because you're heavier.  You're also probably a bit wider, too, so don't hug the lines if you usually do because you don't have the same buffer you do in a smaller car.

I've been doing this since I was old enough to drive; you can do it, too!

And, don't forget the added height...I say this because DH crumpled the top of a U-Haul truck once in McDonald's drive-thru :-[

I saw a photo of where someone absent mindedly drove up to an ATM - one with a shade overhanging it - that was considerably shorter than the rented moving truck.  And then left their ATM card in it because they were in such a hurry to get away...turned out that the rental truck company wanted the truck repaired, too.  I wish I remembered what happened - but all I remember is thinking "Crud Monkeys!"

I live in a gated community. There's a guard house and two entrance lanes on one side and one, larger, exit lane on the other. One of the entrance lanes is for visitors, who pull up to the gate and are admitted. The other entrance lane has a key card box so that residents can get in and out easily. Both of these lanes are fine for cars and pickups but not nearly big enough for moving vans and things of that ilk. Because of this there's a big sign in front directing trucks to go in via the exit lane (the guard opens the gate for them.)

We get people with big trucks who try to go in the entrance lanes all the time. No problem, they just back out and go in the other side. Except for a recent set. I think they were moving in a new resident, because they had tried to go through the gate on the resident (card access) lane. And managed to scrape the card reader off of its post and nearly break the gate arm. The truck's insurance had to pay us to repair the gate.

Moral of the story: If you're driving a truck pay attention to the signs that say 'trucks go here'.
Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bow lines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover. -Mark Twain

Cherry91

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Re: The "This Might Be A Stupid Question, But...." Thread
« Reply #8171 on: August 09, 2013, 06:24:28 AM »
New question --

How difficult is it to drive a 17ft. truck when you've never done it before?

Are there any tips one should know? Things to be aware of? (Especially driving in city traffic.)


DD#1 rented a truck for the move to her apartment tomorrow. The person that was going to drive (he's experienced with this size truck) has been called out of town due to a family emergency. So DD#1 has all her friends lined up for moving day and nobody's ever driven a truck this size before . . . I know that I would be scared spitless (I don't even like driving my own car in the city.)


Oh, and in case you're wondering why such a big truck? DD#1's friend is also moving all of her stuff . . . my house looks like a furniture warehouse right now. :D

Always give yourself extra room to turn; remember that your backend is longer so it will follow you tighter around the corner.  It really isn't that hard and sounds a lot scarier than it actually is.  Remember that you will take longer to stop because you're heavier.  You're also probably a bit wider, too, so don't hug the lines if you usually do because you don't have the same buffer you do in a smaller car.

I've been doing this since I was old enough to drive; you can do it, too!

And, don't forget the added height...I say this because DH crumpled the top of a U-Haul truck once in McDonald's drive-thru :-[

I saw a photo of where someone absent mindedly drove up to an ATM - one with a shade overhanging it - that was considerably shorter than the rented moving truck.  And then left their ATM card in it because they were in such a hurry to get away...turned out that the rental truck company wanted the truck repaired, too.  I wish I remembered what happened - but all I remember is thinking "Crud Monkeys!"

I live in a gated community. There's a guard house and two entrance lanes on one side and one, larger, exit lane on the other. One of the entrance lanes is for visitors, who pull up to the gate and are admitted. The other entrance lane has a key card box so that residents can get in and out easily. Both of these lanes are fine for cars and pickups but not nearly big enough for moving vans and things of that ilk. Because of this there's a big sign in front directing trucks to go in via the exit lane (the guard opens the gate for them.)

We get people with big trucks who try to go in the entrance lanes all the time. No problem, they just back out and go in the other side. Except for a recent set. I think they were moving in a new resident, because they had tried to go through the gate on the resident (card access) lane. And managed to scrape the card reader off of its post and nearly break the gate arm. The truck's insurance had to pay us to repair the gate.

Moral of the story: If you're driving a truck pay attention to the signs that say 'trucks go here'.

Also be aware of any bolts used to keep the back doors of the truck closed. A supermarket delivery van forgot to bolt their back doors, and when they reversed, the doors swung open and the bolt scored a massive scratch into the front of my mother's car (it was so big there was actually discussion of having to take off the front panel of the car completely, because it might be the only way to repair the damage).

It was only the lightening reflexes of some friends visiting that caught up with the truck before he drove off (the driver had no idea what had happened, and was really upset when he found out). One of our visitors actually jumped the gate to catch the truck!

Virg

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Re: The "This Might Be A Stupid Question, But...." Thread
« Reply #8172 on: August 09, 2013, 05:10:14 PM »
Slartibartfast wrote:

"I'm having a hard time figuring out exactly how you would do that - a really tall guy with a spear down his back, maybe?  (I'm guessing it's meant for "concealed in a vehicle" or the like, but still!)"

One weapon that might prompt such a law, due to how easy it is to procure, conceal and use is a long length of steel chain.  If you're a welder, you can cover it with rough metal burrs and have yourself a very effective scourge.

Virg

Snooks

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Re: The "This Might Be A Stupid Question, But...." Thread
« Reply #8173 on: August 09, 2013, 05:38:06 PM »
One of those "I can't believe these stupid old laws" things - in North Carolina you can't carry a concealed weapon over six feet long.

I'm having a hard time figuring out exactly how you would do that - a really tall guy with a spear down his back, maybe?  (I'm guessing it's meant for "concealed in a vehicle" or the like, but still!)

Riding a cannon disguised as a horse?

hobish

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Re: The "This Might Be A Stupid Question, But...." Thread
« Reply #8174 on: August 09, 2013, 05:57:08 PM »
Pre-qualification is a promise that the bank will loan you up to whatever amount you're qualified for.  It's good to have in hand when you start looking for houses, because it's proof you're serious about buying (instead of just being someone who likes going to open houses and daydreaming about "someday.")  Banks aren't as bad about it as they used to be, but they'll still pre-qualify you for a bigger chunk of your income than you probably ought to spend, so don't take it as "this is our price range now"  :)

If you have a steady job with a paycheck, the process is relatively straightforward - but it varies from bank to bank.  When we refinanced, an internet bank had the best rate - but they needed (no joke) fourteen different things from us, most of which weren't something I normally have sitting around in my file cabinets.  We ended up going with a local credit union which was willing to match the internet bank's rate and only required looking at our account and saying "Yup, they keep money in this thing and they're depositing a paycheck regularly!"

If you work freelance, have irregular income, own your own business, etc. things can be a bit more complicated, and again they'll vary by bank.  (When we bought our house originally, it was a week after DH started his first "real" job.  We went with the bank that was willing to loan to us despite us not having two months' worth of paystubs available.)  In general, the more irregular your income is, the less money the bank is willing to loan you (proportionally), because they don't want to be on the hook if your income stream dries up.

I do a very specialized sort of mortgage underwriting – requestor of 7 – 10 of those documents, heh – and I have to say, that is an excellent explanation.

…and keep in mind, we request those documents for your own protection as well as ours. All those specialty program and sub-prime “write your own loan” mortgage programs are what put a lot of lenders out of business. We have a few of those left, but not many. The joke is, “Is the home currently in flames? No? You’re approved! Yaaay!” Yeah … mortage humor. It’s even worse than appraisal humor.  :P

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