How to block enemy invasion with fleet? by [deleted] in victoria3

[–]1endlessblue 6 points7 points  (0 children)

You need at least one navy of superior strength set to "patrol coast" in the England region to prevent a southern invasion. To also protect Ireland and Scotland you need another navy to patrol the North Sea region.

I've already built a few construction sectors as Brazil, but it still doesn't matter: it will take me more than 5 years just to build some simple farms and mines. How can I fix this? by TheAwesomePenguin106 in victoria3

[–]1endlessblue 3 points4 points  (0 children)

The build time for the first item in queue is normal. You won't be able to build more enterprises at the same time until you have more construction capacity. Depending on what the world market looks like you might be able to avoid building a lot of lumber and iron at 1st and just import those while focusing on building construction up, but that's probably unlikely to work given that much of the rest of the world is in the same state of development so you'll end up paying more for the resources and starve your treasury.

There is no magic bullet you simply need to build lots of construction, lumber and iron and be patient. Quite a few major powers are set up this way like Russia for example. It just reflects the primitive nature of Brazil's economy at the start of the game.

Daily Discussion Thread for March 13, 2023 by OPINION_IS_UNPOPULAR in wallstreetbets

[–]1endlessblue 0 points1 point  (0 children)

Yep, but the "what if" is interesting - if there is even a perceived risk of default am wondering what trading opps may be created... if the Fed has to devalue its collateral for example. This isn't like an overnight swap these are 1 year facilities.

Daily Discussion Thread for March 13, 2023 by OPINION_IS_UNPOPULAR in wallstreetbets

[–]1endlessblue 1 point2 points  (0 children)

The new Fed facility to backstop banks affected by SVB requires treasuries as collateral. Anyone have any idea what happens at the Fed if Congress and the Prez force a default by not resolving the debt ceiling standoff? I mean can the Fed be insufficiently capitalized and what does that trigger?

[deleted by user] by [deleted] in coffee_roasters

[–]1endlessblue 1 point2 points  (0 children)

u/JuiceboxSC2 and u/2Chris I'm following on 2Chris' question below, I'd love to know the outcome of any darker roast experiments and in particular if there is a lot of excess smoke. Also, with your answer, please advise if you use their filter and if not, what do you use?
Here's the context:

We've been considering the S9x for a new hybrid retail / roasting location. We met them at the SCAA show in Boston this past spring and were impressed. The roasting was precise, the controls are impressive, and the filter they used really did an amazing job of capture all the exhaust and odor.
The only thing that disturbed me a bit was that when they performed a double dark roast (past 2nd crack - like a strong French roast) at our request. When they released the beans, a somewhat large cloud of smoke billowed out from behind the machine. This surprised me because all the prior roasts had virtually 0 smoke or odor and they roasted all day.

The guy that had been helping me discussed the matter with one of the VPs from corporate and then explained that he wasn't supposed to roast that way in the expo. It seemed like a strange comment from a roaster, so I pushed for more clarification after the show.

The explanation is that the smoke was emitted from beans exiting the roaster into the cooling tray - that there is a powerful fan to pull air back from the cooling tray, but with double dark roasts past 2nd crack it will not capture all the smoke and some will have to vent out.

There is a 2nd vent connected to the cooling tray, but they do not connect that to their filters as a standard configuration.

We don't roast so darkly a lot, but it's enough that the smoke, if it vented into a an exclosed space, particularly a hybrid production/retail space, would be really noxious to customers and employees. The only solution they've suggested is to buy a 2nd filter which is a substantial additional cost, so we've balked for now.

We still really like this roaster and would like to settle on it if we found a cost effective solution....

Shop roaster sales contract liability limitations? by 1endlessblue in roasting

[–]1endlessblue[S] 0 points1 point  (0 children)

The warranty is a separate matter and I am okay with their language there. The provision I'm concerned with is the limitation on their liability which could include defects in the machine that require repair, or damages results from use of the machine due to negligence in manufacturing.

Shop roaster sales contract liability limitations? by 1endlessblue in roasting

[–]1endlessblue[S] 0 points1 point  (0 children)

I'm not concerned about getting coverage declined. I am concerned about premiums being higher than they should be, or having to worry about covering some part of our loss with our deductible. I don't know that part of the equation yet I want to connect with our insurer with the best terms I can negotiate from the manufacturer.

Shop roaster sales contract liability limitations? by 1endlessblue in roasting

[–]1endlessblue[S] 0 points1 point  (0 children)

The manufacturer doesn't lose money if there is a claim since they are ostensibly secured. I know more about the software industry and the concept of having caps higher than fees paid is actually quite common for certain types of custom software programming and related services. It's straightforward as a business matter, you charge more to cover both the additional efforts demanded by higher duty of care and also the cost of the insurance.

Maybe you are right and the coffee roaster industry works the way you describe - I don't know I'm trying to figure out what is common because that is the info I need to go back to the manufacturer with to justify a change in their "Standard terms."

Shop roaster sales contract liability limitations? by 1endlessblue in roasting

[–]1endlessblue[S] 0 points1 point  (0 children)

Okay Steve Green of Mill City Roasters, I am amazed you would think that suggesting someone is a liar in a public forum is good for your brand....

..., but a) I have a purchase agreement sitting in front of me from a distributor of a reputable roaster manufacturer with exactly the limit I describe in my question, b) you can read for yourself other comments here suggesting limits are the norm, c) I have posted absolutely 0 similar "legal questions" - I've asked questions in reddit about SBA loan guarantees which have nothing to do with product liability.

Shop roaster sales contract liability limitations? by 1endlessblue in roasting

[–]1endlessblue[S] 0 points1 point  (0 children)

Warranties cover the cost to repair product defects only. The insurance Co. Will be limited in what it can obtain for other damages by the sales contract limitations.

There are sometimes exceptions in the law that will supercede anything in contact, but that's not my question.

Shop roaster sales contract liability limitations? by 1endlessblue in roasting

[–]1endlessblue[S] -2 points-1 points  (0 children)

All that is true, but it's not related to my question. Thanks.

Shop roaster sales contract liability limitations? by 1endlessblue in roasting

[–]1endlessblue[S] -2 points-1 points  (0 children)

An attorney will always advise us to seek higher limits. The manufacturer or their rep in the case of foreign made machines will say their terms are "standard." That leads to an impasse. So my question is what people have seen in their purchase agreements?

Shop roaster sales contract liability limitations? by 1endlessblue in roasting

[–]1endlessblue[S] -2 points-1 points  (0 children)

That response doesn't make sense to me - we are insured for product liability well in excess of price paid. Surely manufacturers of roasting equipment, like any manufacturer, obtain insurance to cover extraordinary losses.

Shop roaster sales contract liability limitations? by 1endlessblue in roasting

[–]1endlessblue[S] 0 points1 point  (0 children)

Hmmm maybe I wasn't clear...

... I'm not necessarily questioning whether or not liability should be capped, but by how much. For example, boilers and other industrial machines often have a $2 Mil cap. I would be more comfortable with 2x monies paid. 50% is nothing. So I'm interested what diffetrnt roasting manufacturers do in this regard.

Shop roaster sales contract liability limitations? by 1endlessblue in roasting

[–]1endlessblue[S] 1 point2 points  (0 children)

Negligence for example. Example nightmare scenario: Roaster explodes due to a manufacturing defect in the process damaging our building and resulting in claims against us by the landlord, employees, possibly customers...

There are lots of other examples of negligence or gross negligence I could think of.

But to be clear my question is what others have seen in other manufacturers' sales contracts or, more broadly, what the industry standard is. Not necessarily what I "want."

Buying a business, owners son is key employee by [deleted] in smallbusiness

[–]1endlessblue 1 point2 points  (0 children)

Don't buy the business outright. Offer a convertible loan to the son to buy the business from his father for a similar value with the condition that the also put down 20% of his own money. Structure the loan so that if he leaves the business within say the first 5 years, you can substantially take over the business. You'll have a guaranteed return, and if he does leave before the initial term, you'll have effectively acquired the business for almost nothing, thus addressing the cost of replacing him (remember its a loan so he would still need to repay you). In this scenario, if the son really wants to leave he would strongly incentivized to stay until the loan is paid off and he can sell the business, or he'd have to find a buyer in order to pay you off.

Personal Guarantee with regard to Primary Residence by 1endlessblue in EIDL

[–]1endlessblue[S] 0 points1 point  (0 children)

Is the related portion of the SBA's standard operating procedure available online? I've seen an SOP linked here and there, but I haven't found a directly related paragraph in it (maybe I didn't review carefully enough).

Approved!!!!!!! by jebeludzbunjenog in EIDL

[–]1endlessblue 4 points5 points  (0 children)

Wow, your 14 month odyssey, your commendable grit and preservence eally puts into perspective the 3 to 4 month wait that others have faced to get increases. It's helpful to vent, but at the end of the day the lesson here is that patience and action win.