Lord Ratner

I think the pilots hired today are going to be furloughed. I don't think it's going to be a 12-year furlough like the last ones during the bankruptcies and mergers, but still. That said, it is 100% better to be furloughed than not hired at all. Any airline. If you are furloughed you can do anything you want, non-flying and the airline will eventually bring you back and retrain you. Staying current is irrelevant. Then once you are recurrent you can go get hired wherever you want to apply to, and you are a much more desirable candidate. Not being hired at all means you have to stay current *and* compete with the backlog of aspiring airline pilots when the interviews start again. Remember these people are fools. They were convinced air travel would *never* recover from COVID-19, then they started talking about "winning" the pandemic recovery. Then they furloughed (at AA). Then they announced the biggest hiring wave in airline history. Now they are all cutting hiring projections, if not outright halting it. These clowns just blow with the wind, and so do our careers.

Right, and the rest of it is spent on marketing to the members to get them to spend more on classes and gear and swag and seminars. It's not what I'm looking for. Commercials are fine, I get that you need more customers, but I don't need a magazine subscription from my insurance company. Spend it on defending clients.

That's the first video I found, I have no idea who that guy is. But all the gun podcasters I follow have talked about it a bunch.

They have a couple recent documented cases of dropping clients for very shaky reasons. I'm also not crazy about how much swag and marketing they do to the members. It feels more like an NRA membership than an insurance plan. I follow a couple of 2A lawyers, and neither are fond of USCCA anymore. CcwSafe has a good rate for veterans and the Law of Self Defense guy likes them (Andrew Branca).

I have no doubt they will repeat the play, but many plays only work once. It'll have to be at least 50 years before that trick can be pulled again. People just won't do it this time. Caveat: if the disease is actually more dangerous than a new strain of flu, for example if it kills children instead of old people, the masks will go on in a heartbeat.

Yeah, but still dramatically better than having nothing. Personally I'm switching from USCCA to CCWSafe once my subscription expires next year. I like the law of self-defense guy, and he endorses CCW safe. Anyone shopping for this type of insurance should consider one that also covers civil litigation coverage.

One of the many great things about Texas. That said, strongly, strongly, strongly recommend anyone in Texas get their license to carry and some sort of "shooter's insurance." USCCA, CCWSafe, Bear, whatever. The license to carry gives you more rights and protections than constitutional carry. It also simplifies where you can and can't go substantially.

I wish I didn't agree with you

Irrelevant. Your argument is still that highly unreliable profit sharing is a basis for not contributing. But profit sharing has only been high enough to make your point remotely relevant for a few years of the past 20 years, and only at Delta, only after the most recent contract pay rates, only for captains, and only with record level profits. I looked it up, Delta only got 10.3% this year. So a captain making 600k (which is not all qualifying income anyways) is *still* not going to max the 401k. So what is your point? Ignore the profit sharing and you are at the simple math of the Compensation limit. Your point is dumb. I'm sorry, but there's no other way to characterize what you wrote.

Sorry, but this is the dumbest thing I've read today, and Biff has been posting (love ya, biff 🤣) So now you're argument is that profit sharing at 17%, ignoring that profit sharing is *wildly* unstable, is enough to rely on to max the 401k? I think Delta got 16% last time (which AA and United were not remotely close to), which is the highest in the industry. For an FO making 300k that's $8,160 more in the 401k, which still doesn't max it out. I may have missed the knock out, but you just handed me the TKO. Thanks. You were simply wrong. That's fine, but don't give anyone advice.

I haven't redone it for the new contracts, but you would hit the 401K income cap before you would max out your 401k. If you don't contribute, it was literally impossible to hit the max. But this does nicely demonstrate just how financially weak a lot of the pilots are. I've had to correct many people on that misconception. Edit: I looked it up, and the annual compensation limit for 2024 is $345,000. At 17% that limits the company contribution to $58,650. Well below the $69,000 cap ($76,500 if over 50).

I have always wanted to get the statistics on how many airline pilots make zero contributions, and just rely on what the company puts in. Seems crazy to me, but at this point I bet it's at it's at least half.

Lol, I don't know what you think my core argument is, but I've said multiple times that multiple things can be true at once. I have no idea what your second paragraph is supposed to convey. You think Congress cares about safety? Now who's naive? I also never said something is right because it's always been that way. I said that groups can create norms and rules as long as they are consistently applied. You joining that system indicates a moral endorsement of the act. Otherwise you are participating in an immoral system for profit, which makes you immoral. Of course you can disagree with the system you are a part of, but there is a big difference between disagreeing with something and believing it to be immoral. You have made the claim that it is immoral: Again, your arguments border on hyperlibertarianism. The reason libertarians have never and will never have any real power in any real society is because absolute adherence to individual freedom falls apart immediately upon contact with reality. The same group of people that will complain about the government setting an age limitation will complain at the amount of money the government would be required to spend to do cognitive testing on every pilot of every age. I used to consider myself libertarian until I realized it is the political manifestation of backseat driving. This whole conversation reeks of it.

I think you are intelligent enough to have the conversation you want to have, but you are simply too self-righteous to listen. In either case, until you are capable of holding two thoughts at the same time, I don't need to write another manifesto just repeating myself. There is a safety justification that is backed up by decades of cognitive research, as well as insurance actuarial tables as pointed out above. 65 might or might not be the correct number. There is also a concept of group-based norms and expectations, which can be equally or unequally applied. In this case, the forced retirement is equally applied, which plays a huge part in determining whether or not the group norm is moral. Finally there is the concept of averaging and thresholding, which again, insurance companies (and the government, and schools, and churches, and people in general) have been doing for centuries because it is simply not practical to test all of the variables that one might want to consider individually for every restriction. If you can't get to there, we just aren't going to get anywhere.

Ah, there we go. No point in continuing with you. Armed drug dealers? I think the murder-only threshold is too high. Contrary to popular belief, people who have just broken traffic laws don't often flee a traffic stop like that. I can happily engage with the idea that the terrible attempt at a pit maneuver should not have occurred, and the cops should have simply followed the suspects until they tired themselves out. Of course then if that truck had rammed into a bus full of orphans without police intervention, the police would still be blamed. In almost every one of the videos I've watched, the expired tags are why the crook is pulled over, not why they subsequently flee. There's usually an associated warrant. Either way, hard for the cops to know at the moment.