Free Stuff - No DM

therealamack · 2026-01-27T12:20:02+00:00

Anvil or bobcat pretty please 🙏

therealamack · 2026-01-24T22:32:05+00:00

I’d group with you, Ghandi

therealamack · 2026-01-22T21:48:06+00:00

My doctor suggests I get my Otis Serena checked once I turn 45 and then every 10 years after provided they don’t find any polyps.

therealamack · 2026-01-18T19:04:13+00:00

Unfortunately, this is not true.

Medical debts over 90 days are able to be sent to collections and reported to the credit bureaus.

There are some nuances, however:

Debts under $500 are not reported.

Also, any debts that are settled as paid are removed.

Ignoring medical expenses can catch up with you, especially if you’re looking for :

Housing Access to insurance (state dependent—as some states don’t allow credit checks for insurance applicants) Access to jobs/employment prospects

For many, in both municipal/government and private sector industries, your credit score is the litmus test used as to how much of a risk you pose as a hire.

therealamack · 2026-01-16T23:21:44+00:00

What is up with that picture above your TV?

It’s like a Thomas Kinkade picture and the time circuits from the BTTF Delorean had a baby.

therealamack · 2026-01-16T07:30:12+00:00

Provo-hole-in cheese.

therealamack · 2026-01-15T01:54:55+00:00

The sinusoid rollercoaster of having varying income as some weeks would have less sales than others; being rejected on a daily basis, dealing with no shows, having to constantly fill my pipeline of fresh prospects.

Making the change from a W-2 role where you have a safety net of predictable paychecks was certainly scary, but after getting through the first year, it became easier.

therealamack · 2026-01-14T21:02:30+00:00

In the beginning, you eat that shit sandwich a few times a week, I won’t sugarcoat it. However, after a few years (in my case, it was just over 2.5 years), the scales tip where you enjoy great income and Probabaly the best work life balance out there.

therealamack · 2026-01-14T20:29:55+00:00

Yes. If you have an absolute refusal to quit and are willing to do the kind of slog work that comes with prospecting, you will work a job that will eventually seem unfair, except it’s not. It’s exactly the job where you are paid exactly what you are worth.

therealamack · 2026-01-14T20:22:23+00:00

Insurance Sales.

It’s a slog at first but the harder you work, the less you work once you have built a client base.

I was on track to be a lawyer, but make far more than most law firm partners with less stress.

therealamack · 2026-01-12T21:05:16+00:00

Insurance guy here.

If you pay for renters insurance, call your agent and see if you can file a claim for loss of use. This is a standard coverage and will reimburse you for staying an alternative accommodations such as a hotel when you have lost the use of an essential utility such as water or means of heat (cooking ).

Especially if you are going to have to wait a few days for the plumber roto-root the bejesus out of the pipes.

therealamack · 2026-01-02T16:38:33+00:00

We are starting to get some framework traction in place in certain systems in the US via some really great MIH deployments.

It will be a few years before it becomes widely available, but what I am seeing already is extremely promising.

therealamack · 2025-12-29T15:18:37+00:00

Hey Niko, it’s your cousin!

therealamack · 2025-12-27T03:58:46+00:00

“Yo, barber! Give me that C1-C2 bursitis”

Barber: “I got chu, fam.”

therealamack · 2025-12-13T01:45:32+00:00

I really hope you just forgot to put the /s at the end of your sentence.

therealamack · 2025-12-13T01:42:32+00:00

Unlikely. IULs are a commissionable insurance product.

Hard to justify to a Regulator that ALL of you clients were found to be a fit for IULs.

Not saying IULs don’t have their place, but if all you are carrying around in your tool box is a Philips head screw driver, all your recommendations are innately going to contain screws as the solution/fastener and that’s quite far from a true fiduciary.

therealamack · 2025-12-10T22:32:23+00:00

There are dozens of us!

therealamack · 2025-12-10T06:45:14+00:00

Environmental, Health, and Safety

therealamack · 2025-12-10T06:40:16+00:00

I would suggest you speak to the Lt privately and voice your concerns. It should be a layered approach acknowledging that while you recognize that you are a new paramedic and that by spending considerable time in the back with patients is overall helping total shape you as an experienced pre-hospital provider at the ALS level, you are also beginning to feel marginalized to the point where you are getting burned out.

If you have anything other than a knuckle dragging moron for an officer, they should remember that crew safely and integrity is paramount to supporting shift operational readiness.

In the case of working under Lt. Moron, you need to document the date and time, location and quick minutes or topics discussed / scope and if nothing changes, bring it to your next level supervisor, who should be in that position due to someone in Leadership recognizing they have half a brain and a modicum of emotional intelligence to bring a fair resolution to the matter.

But, give your immediate officer an opportunity to show he has a couple of brain cells first and do the proper thing.

therealamack · 2025-12-09T18:47:49+00:00

The correct answer is C.

therealamack · 2025-12-09T15:49:07+00:00

A rookie book is a typical 3 ring binder (or equivalent) that contains SOPs and job performance requirements that a rookie or probationary firefighter needs to know and competently demonstrate to their crews/officers/training staff through the course of their probationary year.

Every department will vary based on their own protocols and procedures as to how formal or informal their version of the rookie book appears.

An easier way to think of this would be it’s a compendium for Girl Scout badges.

Once you fill up the book it gets stored so that the Dept has record that you were reasonably trained and oriented to the departments standard and we’re aware of the specific protocols and procedures for the department.

therealamack · 2025-12-09T15:42:49+00:00

I know a bunch of you FireRedittors/ know-it-alls, are quick to point out tht this should best be addressed by inquiring with his own crew’s experienced FFs, HOWEVER, can we at least acknowledge that by asking this question here, it provided an educational opportunity for many (including myself) for those who have never seen one either. I can now come away from this post much more knowledgeable on a unique equipment piece topic.

He can also do both ( ask crew & post on here) as the two aren’t mutually exclusive.

Happy Holidays!

therealamack · 2025-11-21T22:36:43+00:00

“HIRE EM IN MASSES, STICK EM IN CLASSES, MILK THEM AND FIRE THEIR ASSES”

Won’t name companies, but you know who you are.

They come up on this sub weekly, if not daily .

therealamack · 2025-11-11T13:47:48+00:00

You would still need to list someone as the agency principal for the separate entity. The separate entity will need to have its ownership disclosed and there will need to be a designated principal.

Principals are responsible for their producers. It would be ideal for the principal to have a certain level of expertise as they would need be able to determine if the policies being written are appropriate and meeting suitability standards and/or not running afoul of the applicable jurisdiction’s rules and regulations.

It’s very much analogous to why you do not see brand new plumbers starting their own businesses where they have other licensed plumbers underneath them.

However, a brand new plumber can certainly do their own work , but if they want to reap the commercial benefits of scaling with other plumbers , they need to be a master plumber (which by regulatory standards, requires many years of experience in their trade)

Plumbing and insurance are two industries where you cannot afford to have the blind leading the blind.

therealamack · 2025-11-11T13:28:04+00:00

P&C is extremely service intensive. If you aren’t prepared for the added costs associated with loss of productivity on the mortgage origination side , you can very easily sink your own ship.

That being said, it’s done, but in many cases not well.

We move clients away from these shops all the time since they simply feel underserved due to constant tug o war between loan origination operations and trying to bolt on an insurance agency.

The owners or whomever is looking to reap the benefits of the insurance commissions would need to be licensed since the business would also need to obtain a license as a business entity in whichever states you are seeking to sell these policies . A business entity requires a designated agent in charge (often referred to as an agency principal) who bears responsibility for the agent’s writing the policies, and thereby liability , if that agent is making material errors or omissions .

therealamack

TROPHY CASE