Mortgage Monday: Timing

It seems like a constant dilemma that we are facing week after week, project after project. The simple, yet complicated, question that continues to arise is whether we push some of the renovations back into the spring or just get them done now? As I have disclosed previously, it is a really long list of things that we are planning on having done at the house and the constant routine that we find ourselves in is less than ideal. I guess a better question is how much more of this can we handle?

While a postponement would bring us some quiet time heading into the fall and some greater flexibility in our schedule, it would also leave us with a few things that while not essential, are either an eye sore or simply aren’t conducive to us fully enjoying our home. It would also leave a few things ‘half done’ at this point which is less than an ideal situation we would find ourselves living in. But it would be quiet and that is something that can’t easily be overlooked.

However, there are a few larger projects that simply make sense to get done now. We already started the transformation so why would we stop in the middle right now and keep us from seeing our plans for our home from coming to fruition. Yes, it will be noisy, inconvenient (most likely less so than the first round), and put a decent dent in our bank account but we would have nearly everything done. And with these things off the list we wouldn’t spend the cold months cooped up in the house staring at the things that we wish we had changed.

It is a matter of deciding whether we want to relax a little now or relax and breathe easier later? Do we want the inconvenience now or later? And, most importantly, how soon do we want to complete the transformation from our house to our home? This doesn’t mean that we have to check everything off of our list but knocking out a good portion of it would go a long way and allow us to push back a few of the other, “less important”, projects.

Either way, it is safe to say that we are all looking forward to the day when we can consider everything done. And while I can’t wait for that time to come, I am also a realist and know that there will probably be an entirely new list that has been drafted in the interim and I am not completely sure if this is a good thing or a bad thing at this point. What I am enjoying is the fact that no matter when we do all of these things, we will be improving our home and we will be able to enjoy them for many years. So, here is to the future!

Firearms Friday: Membership Considerations

Anyone in the firearms community is familiar with the breadth of options when it comes to various firearms and second amendment groups and associations. For many of us, we hold multiple memberships in various groups at any given time and we receive regular correspondences from the others asking for donations and dues. This is one area where we have to be mindful of the total costs of these memberships and we must weigh the options both of becoming members and what kind of membership do we want to have in these various groups.

The first group with which everyone is familiar is the National Rifle Association (NRA). This is essentially your foundation on which I believe all your other memberships and donations should be structured around. The dues that we pay go toward supporting the rights that we all enjoy and the financial commitment, regardless of level, should be considered a necessary expense. However, from the basic annual membership there are other levels including life, endowment, benefactor, patron, golden eagles, etc. This determination is something that each member has to figure out for their self but, for me, I have found that becoming an endowment member has allowed me to focus on some of the other organizations while not having to worry about the annual commitment.

Once the foundation is in place other organizations can be explored such as Gun Owners of America (GOA), Second Amendment Foundation (SAF), Citizens Committee for the Right To Keep and Bear Arms (CCRKBA), National Association for Gun Rights (NAGR), Jews for the Preservation of Firearms Ownership (JFPO), and many other national and local organizations. Keep in mind that many of these and other groups are far more aggressive than the NRA and you should take a look at each before determining whether or not you wish to support them and their message. And, once again, when you have made your decision you must also determine what level of support to which you wish to commit.

My level of support varies from organization to organization depending on both the messaging and the financial commitment that each requires for membership. In some instances, I have chosen life memberships over the annual option as it made financial sense. In other cases, there were some overly aggressive messages that I couldn’t fully back with the extra finances so I either kept my membership at the lowest level or ceased supporting them altogether. In the end, it is a balance that is up to the individual but definitely a process that needs to be considered by every supporter of the second amendment. After all, without the work being done to protect the second amendment, your rights will slowly become nothing more than a memory.

Firearms Friday: Magazines

There are many consideration that need to be made when purchasing a firearm, especially handguns. I have previously addressed the fact that the process is an individual decision and one firearm may work for one person but not for another (some may even detest the selection). I have also written on the considerations that need to be made regarding ammunition. All in all, it is a very personal process but there are a few things that should be considered with every purchase whether this is your first time or far from your first time.

Again, we have already addresses a few key considerations that being range time and equipment. This time around I want to discuss the topic of magazines. Please note that I am not talking about clips which are completely different.

An all too common comment made by those new to firearm ownership is “why do I need an extra magazine? It came with two, I don’t need any more than that.” While that may seem to make sense to some, the reality is that you should have at least 5 magazines for every firearm you own. In addition to the simple fact that magazines break, you should have 5 or more for the scenarios that you may not be thinking of and because it makes practicing at the range an easier and more enjoyable experience. Five is the baseline but don’t just buy any brand.

There are varying qualities of magazines on the market these days which include factory production (the same manufacturer of the firearm for which it is intended), less expensive models (i.e. Mec-Gar and ProMag), and better quality magazines than what come with the firearm (i.e. Magpul, Wilson Combat, Chip McCormick). The prices of these can vary significantly from $10 to over $50 per magazine and those are just the ones that are readily available. And sometimes that really nice 1911 you just bought does not come with a reliable magazine (i.e. Kimber). This brings up another important consideration at the time of purchase… can I find magazines for this firearm and, if so, can I afford them?

You may find a great deal on an H&K but how many magazines does it come with and how many are you going to have to purchase at $40-50 each? Or there are some models that are difficult to find… you may have found that S&W 39 (the H&K P7 might be a better example) that you have been looking for but it doesn’t have a magazine with it. The magazines are out there but they are becoming few and far between.

What this all comes down to is a very simple rule of thumb when buying a firearm. Something that new firearms owners need to be aware of and something that all of us need to be reminded of from time to time. You need good quality magazines for your firearms… 5 or more. When you look to buy keep that in mind three basic factors: reliability, availability and affordability. Forgetting these can really be a costly mistake in more ways than one.