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  1. Last year we though, ooooh our first year in a house we’ll probably get tons of trick or treaters!

    We got maybe 10 total. I had bought maybe 5 of those big bags from BJ’s (the good chocolate bar stuff not the bottle caps crap) We ate that candy for the next 6 months.

  2. chicken, the umbrella is suppose to cover the residual liability per above post. so if you have $1M umbrella policy and your auto ins is 300k and accident causes 500k worth of liability, here’s math:
    – auto ins cover up to cap of 300k; mean 200k residual liability (500k – 300k)
    – umbrella can cover up to 700k on top of the 300k cover by your auto ins of 300k (ie to get to that $1M level) hence it’ll cover the residual 200k

  3. chicken, when a liability occurs, you’re liable. if your auto insurance coverage limit / cap covers the liability amt, you’re good to go. but if you, 3rd party comes after your assets to settle residual liability

  4. there’s a bluebird in my heart that
    wants to get out
    but I’m too tough for him,
    I say, stay in there, I’m not going
    to let anybody see
    you.

    there’s a bluebird in my heart that
    wants to get out
    but I pour whiskey on him and inhale
    cigarette smoke
    and the whores and the bartenders
    and the grocery clerks
    never know that
    he’s
    in there.

    there’s a bluebird in my heart that
    wants to get out
    but I’m too tough for him,
    I say,
    stay down, do you want to mess
    me up?
    you want to screw up the
    works?
    you want to blow my book sales in
    Europe?

    there’s a bluebird in my heart that
    wants to get out
    but I’m too clever, I only let him out
    at night sometimes
    when everybody’s asleep.
    I say, I know that you’re there,
    so don’t be
    sad.
    then I put him back,
    but he’s singing a little
    in there, I haven’t quite let him
    die
    and we sleep together like
    that
    with our
    secret pact
    and it’s nice enough to
    make a man
    weep, but I don’t
    weep, do
    you?

    (the immortal) Charles Bukowski

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