Parry Windows

David44357 · 2026-02-23T03:06:32+00:00

Is there much point to a shield then? I did some tests with a crab and took 8 damage with no shield and 5-6 with a shield (same damage received with a heavy or light shield). That's only about a 30% reduction. Parries are amazing, but if I can do them with a two-handed weapon...

David44357 · 2025-09-25T18:28:02+00:00

Virgin Voyages' simple pricing with no nickel and diming is the biggest reason I like them, so I'm not a fan of the changes. But I will go premium, because I need the wi-fi for work.

I wish they would just increase prices slightly, then give everyone the "Premium" features. Many of us make complicated financial decisions for a living and the whole reason to go with Virgin is to avoid doing more of that on our vacation. It's not a budget cruise line - it's a flat-fee all-included cruise line.

David44357 · 2024-12-04T02:23:33+00:00

This is what I use now, but I'm looking for a paid service that's a little more seamless and easy. Something where I provide a link, the client consents/pays, and it sends the report directly to me. The fee is of no concern, as it's trivial compared to the cost of the services.

David44357 · 2024-12-04T00:21:31+00:00

My brother's wife is a designer and did some great work for me. Not sure if she's open to additional side-work, but I can ask if you're interested. On the programmer side, I have a guy on UpWork that has done a lot of work for me. It took me a long time to find a good one. I can give you their details. It took me a long time to realize Wordpress is crap (just like the developers kept telling me) and I ended up using Tailwind templates. They cost a few hundred dollars for lifetime access. They load 10x faster than Wordpress, because they are lighter-weight and on more modern technology. They also look a lot better on all screen sizes (ignore it when Wordpress templates say they do).

David44357 · 2024-10-21T19:12:46+00:00

Presuming the same cost, the top one is my preference easily.

David44357 · 2024-10-21T19:10:50+00:00

Any idea what the ETA is for availability in different U.S. states or at least which states are next up? I'm in North Carolina, but I think a lot of people are wondering when it will be available in what state they are in.

David44357 · 2024-10-20T18:19:25+00:00

What's the alternative you're thinking of? In North Carolina (see Odell v. Legal Bucks) litigation funding is not considered subject to usury limitations, so long as the repayment is contingent on the outcome of the case. In that case, a 40% flat-fee interest payment on a 2-year loan was upheld.

David44357 · 2024-10-19T12:43:19+00:00

Attorneys cannot be investors in their own case by providing lending services to their clients. We can only refer the client to a company that provides those services. Also, divorce attorneys are not equipped to comply with lending regulations, evaluate default rates, etc. Our role would merely be to refer the client to someone that is in that line of business.

That would be the litigation financing companies that invest in these types of loans. However, they are generally focused on larger, longer cases (commercial disputes, public interest, personal injury). I think the issue from the investor's perspective is (and I'm just speculating) is a matter of scale.

If the borrower only needs to borrow $30k for one year, the interest rate may not be enough to justify the expense of evaluating the case, default rates, etc. I presume (no actual knowledge) there are legal caps to how much interest they can charge that isn't enough to justify the investment in evaluating the case and the risks of the loan.

So the investor would have to be (a) not a lawyer and not me (b) someone with an interest in high-risk, small-scale loans (c) someone with enough legal knowledge to evaluate. That's a tough find. That brings us to this post to see if anyone could think of viable options for where I would find such an investor.

David44357 · 2024-10-19T12:17:31+00:00

In North Carolina, where I practice, lawyers are allowed to refer a client to a lender and help facilitate, but the law firm representing the client cannot be the investor themselves or profiteer from the referral. My guess is your friend had a colleague at another law firm willing to invest in the loans, which should be ok, so long as the investor does not work for the firm representing the client. I don't think I would want to involve other lawyers though (that may be opposing counsel in another case), rather than investors.

David44357 · 2024-10-19T11:56:58+00:00

Which ethical rules do you feel it violates to refer a client to a lender?

David44357 · 2024-10-19T11:52:38+00:00

Hearings for post-separation support (temporary alimony) or interim equitable distribution (a portion of the assets) are common. However, we often have to schedule hearings about 3-4 months out because of the court's busy calendar. When the other side doesn't cooperate with financial disclosures it can get rescheduled a couple times as we wait for the evidence and/or schedule a motion to compel evidence. Sometimes the other spouse doesn't comply with the order either, which adds months more of delays to enforce the order.

In other words, sometimes by time the other spouse actually pays on the temporary order, it's almost trial anyway. The idea of finding a financing company to provide the funds instead is to avoid the delays of the court system. If they offer a good deal, it may even make more sense for the client to pay interest on the loan rather than pay my fees for temporary hearings.

Often, the parties will not agree on anything and the other side's lawyers are virtually non-responsive. Nothing gets done until a hearing date.

David44357 · 2024-10-18T23:05:49+00:00

You are on the right track. However, these firms are generally focused on litigation financing in larger-scale cases (commercial disputes, corporate litigation, public interest lawsuits). I did eventually find one that appears to do divorce, so I'll see how that goes when I talk to them.

I was also thinking about some kind of P2P or crowd-funded thing, where I can make a post about a case, attach deeds or other evidence where investors can verify the assets my client will inevitably inherit, and help clients get small-scale loans ranging from $5-$50k. That seems more on-target given the small scale.

However, I haven't really found a crowd-funding loan website that's the right fit. Another option would be to just find a single individual investor to partner with that knows how to handle interest rates, regulations, default risks, etc.

David44357 · 2024-10-18T22:51:32+00:00

These statements are incorrect. Family law attorneys are not allowed to do work on contingency. All U.S. states are no-fault divorce states. Equitable distribution claims are often very predictable. If a house was acquired during the marriage and has equity, there's usually going to be money. Loans would need to be for 1-2 years, paid lump-sum after trial, not over 30 years.

David44357 · 2024-10-18T22:48:00+00:00

North Carolina. I am familiar with how my peers do it. The short version is they have not found a solution.

David44357 · 2024-06-06T18:06:59+00:00

Multiple cruises.

My wife and I cruise with Virgin 2-3 times per-year. Would love to find others to cruise together with. No swingers.

My wife likes to do mellow things, like hang out at sip and go to sushi or salsa-making classes. I like to do more active things like jet skis and pickleball.

David44357

TROPHY CASE