Should NJ firearms retailers and wholesalers have insurance? Will they be able to afford it? We bring back our friend, Rick Lindsey from XInsurance to discuss the current situation in the People’s Republik of New Jersey.

Who will protect your children while they are in school from evil monsters? During our SOTG Homeroom from CrossBreed Holsters, we consider who is best suited to be dangerous on demand.

What is a “doober” and how should you secure one to your rifle? For our Brownells Bullet Points segment, we will consider the importance of properly securing add-ons and accessories to your guns.

Thanks for being a part of SOTG! We hope you find value in the message we share. If you’ve got any questions, here are some options to contact us:

Enjoy the show! And remember…
You’re a Beginner Once, a Student For Life!


FEATURING: Rick J. Lindsey, Xinsurance, Politico, Madison Rising, Jarrad Markel, Paul Markel, SOTG University

PARTNERS: Brownells Inc, Crossbreed Holsters, FrogLube, Hi-Point Firearms

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New Jersey can sue the gun industry under a “public nuisance” law, a federal appeals court ruled Thursday, handing a major victory to the state after last year’s U.S. Supreme Court decision loosening public carrying restrictions.

The Third Circuit Court of Appeals’ dismissal of a challenge brought by the National Shooting Sports Foundation last year comes as New Jersey and other states look for novel ways to balance public safety with gun rights under the high court’s June 2022 ruling in New York State Rifle & Pistol Association, Inc. v. Bruen.

New Jersey’s public nuisance law, signed by Democratic Gov. Phil Murphy a month later, may offer a template to other states following Thursday’s ruling, which said the shooting foundation “jumped the gun” in its challenge and did not justify the court’s intervention. Other blue states, such as Delaware and California, have enacted similar measures designed to open the gun industry to legal action.

(Click Here for Full Article)


All right, ladies and gentlemen, children of all ages, it's that time that you've all been waiting for, for which you have been waiting. It is a brand new episode of Student of the Gun Radio. Yes, indeed. I am your host, Paul Markel, and you're about to hear all about it.

Today we're going to talk about should New Jersey gun people have insurance? Do they deserve it? We talked was it about a couple of weeks ago about the new scheme that New Jersey, the communist regime in New Jersey, has they've granted themselves the authority to sue gun companies out of business?

And how do you insure somebody who is in a state that is directly targeted by the communists?

They're obviously high risk because the state has said, hey, we're going to figure out a way to sue you out of business

and who will protect your kids and how do you keep your Dobers from falling off your gun? I don't know. We're going to talk about all that today on Student of the Gun Radio.

Welcome to student of the Gun Radio planting freedom Seed since 2013. Here we don't just talk about guns and gear. We also discuss current events in politics because guns are politics. Now sit back, relax, and allow today's episode to drip ever so gently into your ear. Please welcome your co hosts, founder of Mastermind Media and Consulting Group, Jarrad Martin and the Shipping Ogre Zach.

Now give it up for your beloved host, the Pizza of America, professor Paul Markel.

Yes, indeed. Yes indeed. I thought I had my phone on aeroplane mode, but apparently I didn't. And it's vibrating on the desk next to me. I don't want it to do that. So now it's on El Ario plane. All right. So we're going to talk about Q's and A's.

If you got Q's, we got a's if you guys are on the slash discord, if you are on slash discord, you can follow us all the time. And you can also commune with like minded individuals on the discord. Well, you don't even need to be there. You can talk to other people who are gun dudes and gun chicks and so forth.

But we're going to go to our first segment, which is our brownells bullet points. And this is where we talk about stuff. Hardware. This is our hardware discussion. Talk about doobers.

Hey, Jarrad, so you know, if you did, were you ever in a class that was taught by the great one, the nightmare Jay Gibson?

I don't know if he was a primary instructor, but definitely he was an instructor. For a couple of my classes. Yeah. How many times did he say duber?

I love the way he simplifies things. It's amazing. It is so something that we're talking about hardware and we're talking about things. Now, if you go to Brownells Gov,

obviously there are lots of things on that you can attach screw, bolt onto your gun, and that's a good thing, like optics and accessories and so forth. But you need to understand, you need to come to the table with the realization that the more things that you screw onto bolt onto your gun, attached to it, the more things that can and will fall off of your gun.

And you're like, oh, no, man, I've gone to the range a bunch of times with this gun and nothing's ever fallen off.

Have you ever taken a training class with that where you're not sitting at the bench, just farting around with your gun, where you're actually standing, moving up, down, all that stuff?

Jay Gibson, the Nightmare,

he likes to tell stories about people who show up with a myriad of accessories bolted onto their guns and how those accessories often end up on the ground.

And if they don't, they're taken off by the person that's running the gun. The second day, they show up with 10.6 pound guns on day one, and they come back on day two with seven pound guns. It's amazing.

But one of the things that I appreciate about the training that I've received from a young age is that you've always made sure that I've learned to use the minimal that I need to use, like iron sights. Or when we did the precision rifle, I did most of my shooting out to 1000 yards, actually all the way up to 1400 with maximum six power.

And I could dial in closer than that

when I was reading the Mirage. But when I was actually pulling the trigger, I always did it with about four to six power, depending on the distance. But the point that I'm making here is that I appreciate that I learned to use the minimum that I needed to use so that if I add anything else and it ends up failing for some reason, then I can just go back to the standard that the rifle comes with and I'll be perfectly fine.

Yeah, there's nothing wrong with red dot sights. Don't put a red dot on your gun. I'm not one of those guys. All there. You need to lose your iron sights and put wear it. Don't ever. Important to have the skill as a foundation. Yeah, for sure. I love you.

Say, I would never bet my life on anything that uses a battery.

That's funny. We went to the same spot.

You have a smoke detector in your house? Yeah.

Is it solar powered? How does your smoke detector work? What has a battery in it? So you're betting that that thing will work, and it will wake you up in the middle of the night? So you have a co detector in your house? Yeah. I'm not stupid. How's that thing work?

It's plugged in, and it has a battery backup. Why is it a battery backup?

I've never bet my life on anything that uses a battery. Calm down. Cool. Then don't you don't have to calm down. Calm down. Hippie.

But yeah, things anything with a thread. Okay. Guns move violently sometimes, and they move a lot. And anything with threads needs to have red.

And I Doug, if you're listening, I hope you're enjoying your retirement and your grandkids, but my buddy Doug, who was my firearms instructor in the academy, was the first person to hip me to this thing called Loctite thread locker. Loctite is a brand name, like Kleenex or Jello, but it's a thread locking compound.

And he told us, he said, with your handguns, said, anything with a thread, anything with threads, you need to

pull the screw out, clean it with alcohol, take a QTIP and alcohol, clean it with alcohol, let it dry, then apply blue or green. See, back then, there was two back in the when I was in the police academy 30 some more than 30 years ago calm down.

There were two block types. There was silver and blue. Silver was the I don't ever want to take this screw out ever again in my life. And if I do need to take it out, I'm going to need a torch to heat it up, to remove it. That's the silver.

And the blue was I won't want the screw to fall out, but I might, in the future, have to remove want it I don't want the metal fusing together,

so I'll use the blue. So Doug's, like, get the blue. Not the silver, the blue. And like I said, this was in the early 90s

when Jarrad was all of about you were all of two years old.

Now loctite. The Loctite company. Has advanced since then. They've added new products and so on and so forth.

And if you follow the link in the show notes, Brownells, it'll take you where you need to go. But what I am telling you is, if you add anything, if it's an optic mount, whether it's a mini red dot

screws, threads, look at how many if you put an LPVO if you put an LPVO on your rifle, especially if you put it on your AR,

how many screws are in that setup? You're like, 2468. A minimum of eight for the rings. And then I got one. You could have

1012 screws on it and every single one of those things.

When I was young,

I will admit this, when I was a young one,

there were times when I looked down at my scope rings, and out of the four back then, we usually had, like, two each. Out of the four

screws, three of them were present and one was not.

What happened to that screw? Well, it's somewhere on planet Earth.

You're like, oh, well, if it falls out if the screw falls out in the range, I'll just pick it up off the ground. You ever drop a ring screw or a mount screw on the range?

It's gone. Well, it's actually not gone. What will happen is, in seven months, someone will be kneeling down to pick something up, and they'll find a random screw on the ground. They're like, well, look at that. A random screw. Where that came from? Looks like a screw from an aim point.

Looks like a hollow sun mounting screw. How'd that get there? So do yourself a favor. If you are installing any kind of Doober onto a gun, if it has the simple rule is this. If it's on a gun and it has threads,

it needs loctite, it needs a thread locking compound. You don't need a lot, just need, like, a little dabble, do you? But, yeah, do yourself a favor. You'll be much happier in the future if you just go ahead and put a little bit of loctite on your screws. So that is your hardware discussion for today, and you can thank me later.

Thank me now or thank me later, I don't care.

All right? There are a lot of companies now that are actually putting it on there. They just apply to the screw. And I appreciate if you're one of those companies and you're listening. To us right now. Thank you for doing that. I appreciate it. Oh, yeah. If you've ever gotten a screw set or a mount set, and you open it up and you're like, why are there little blue like, why is there blue, like, little blue dots or blue paint?

Why is there blue paint on my screws? And I know a lot of people in there are like, Paul, I'm not an idiot. I know that the blue on the screws is thread locker. You know that because you're a smart student of the Gun listener. But let me tell you, brothers and sisters, there are a lot of people out there, and some of them are gen Z's that don't know why there's blue paint on the screws.

Why did they put blue paint on the screws? I scraped that blue paint off before I put it in there, before I used it. I didn't want that on there.

It's not blue paint. It's thread lock. And they put it on there for a reason.

Like Paxton used to say, for a reason. Hey, I did that for reason.

Oh, also, don't confuse your thread lock with your lubrication.

Yeah, don't put your thread lock compound in your lube right next to each other. You don't want to mess those up. High point, high dash point. I don't know,

the YC niner. YC niner. The yeet cannon. Yes, indeed. YC nine. I'm going to put that in there. Oh, the top result for YC nine is high point firearm G cannon. I was kind of wondering if there's something else on planet Earth that had YC nine.

I was looking something up yesterday. What the heck was I looking up? I can't remember. I put it into the search engine and it came up, and it was not that at all.

Oh, I know what it was. It was one box workout. OBW.

Right. So I put in yeah,

there are a lot of other things that are OBW.

And I also discovered, you know how, like, what do they say is the sincerest form of flattery? Imitation. Yeah. How about intellectual theft?

That's funny. How about theft of intellectual property? Is that the sincere form of

flattery? Yeah. So when did we do the OBW? It was 2011.

Was that when we filmed it with Gun Talk? No, it was season two when we released no. Student of the Gun Television season Two One Box workout. Okay. Yeah. When we released it to the public. Yeah. It got a resurgence after we filmed it with Tom, but the original one aired on the Sportsman's Channel.

The OG. One Box workout aired it. Was either late eleven or early twelve on television? On the sportsman's channel. Right. So it's been that long. Well, in 2016, a writer for SWAT Magazine came up with the numeral one RBW.

What did he put? Like one BRW or something. The one box rifle workout.

Yeah, I looked, I was like, well maybe he's going to acknowledge Student of the Gun and say, I got this idea from Student of the Gun. It even looked like pictures that you had taken. No,

just straight up intellectual property rip off. I'm going to take this, rebrand it, or kind of almost rebrand it and claim it was my idea five years after Paul did it. Well, congratulations to you and I hope you do really well with your stolen idea. But that's not what I was going to talk about.

I put in OBW. If you put in OBW, you get lots of different things and not necessarily One Box Workout. What happens if you put in BBW?

I'm not doing no well, you guys are listening. I'm just curious what happens. Do that and then let me know. But the original One Box workout, the original one came from Student of the Gun. Yeah. Student of the gun.

And so you put in YC nine and the YC nine comes right back, straight back to High Point Firearms and it's the Yeet Cannon and they are available right now. I opened up the chat for people that are here. Oh, did you watching live? Yeah. And David Lewis said, I've been choked out by jay.

There you go. There you go. I don't remember that's in the advanced program. They must have done a really good job. That's the advanced program. That's in advanced fighting rifle, not in basic.

When I took the fighting rifle originally, like way back when, they had a lot of cray cray drills in there. And then when I took it again a few years later, I asked James like, what happened to that drill? He goes, yeah, we moved that to the advanced one.

We reexamined that and we're like, yeah, these guys aren't quite ready for that yet. They're not quite ready for that yet. But the original stuff, people were like they couldn't believe it.


did you ever do? The shaking the crap out of the student.

But we're not going to shake the crap out of the student. What we're going to do is we're going to go to J U XXI and check out the newest video about the galco. Slick strap or slick think. The official name is actually Slick Strap, but it is a rifle.

Sling. And it is a super handy. It's probably one of the most handy universal slings you're ever going to get your paws on. They go on sub guns, they go on rifles, they go on shotguns, they go

they can put them on your pistol if you want. I don't care.

Use it as an emergency dog leash. You could use it as an emergency dog leash, I don't care. But go watch that video and you can get them from So Zach's going to put that up on the store, watch the video and if you're interested and you want one, because it's so

they call they come from Salt Lake City, right? That's right. Salt Lake City SLC strap. See that? And what

that is a weird coincidence, but we actually had a question from in the video, Dan, you show that if your rifle does not have the rear sling loop, you can just loop it around the stock. And somebody asked a question that I think is actually kind of pertinent,

could that interfere with the charging handle? Could it? Well, it could, because anything could happen.

I have done that and run it like that. Generally what will happen is because

the sling won't cinch down tight in that situation,

it's not going to cinch down. So that it's immovable. You see what I'm saying? It won't be immovable.

You're like, well, if it's not immovable, I don't want it. No, it's not going to fall off.

You have to use theater of your mind and imagine how I described it, how I showed it in the video. It's not immovable if it was cinched down immovable. Yeah, it could, but because it's not, you can. Now, most of your M four, like your Retractable stocks and your fixed stocks, they'll have a sling loop

that will happen, or that would be more useful, actually, on an AK platform,

an AK rifle or an AKM than an AR.

Most of your ars are going to have some type of capability to mount one.

I know we're moving into a different era now, but if you had one of the original shoulder or not shoulder braces. Stabilizing braces. If you had one of the original stabilizing braces, the original AR stabilizing brace, the rubber one, they did not have a place to install

a sling. So what you could do, and what I did do back in the days can you believe it's been over ten years since the stabilizing braces came out? It's been over ten years. Out,

you could use a slick strap for that and run it with no problem. But, yeah, that situation, I get what they're saying, and I understand that. And if it was fixed cinched down in place right there, right behind the charging handle, it could cause it, but it's not going to because of the nature of the beast.

And like I said, the chances that you would need that on a modern AR are pretty slim. I just did that because it was an example of how to do it. And there are AKS out there that don't have sling, stock loops. And you could do that.

There's infinite different types of firearms out there that you could use long guns. The slick strap is slick, and as soon as I discovered them,

I love the simplicity of it. I love that it is not complex. That's something that we did during in the very beginning of gWAT. Manufacturers were losing their minds. What do you mean they're losing their minds?

They were overcomplicating everything. We went from a single point sling, we had two point slings, then we had single point slings, and then there was a company that came up with a three point sling. I'm like, Just stop.

They came with instruction manuals, how to wear your sling. I'm like, dude, if you got to give a PFC an instruction manual and teach him a class on how to use the sling, that's probably a little more complex than it needs to be. I'm not a scientist here, but I'm guessing that's probably a little more complex than it needs to be.

Generally speaking,

things accessories should be simple and straightforward, and that's what the slick strap is. It is simple and it's straightforward, and

I have no complaints with it. And I've been using them since they came out, since they introduced them. However long ago that was, I discovered. And I'm like, yes, this is it. I need many of these.

I need to always have one plus one of these. And I put them on, I've taken them, put them on and off guns for a long time. That is my review of that. And if you want to see my beautiful face talking about the slick strap, you can watch the video on

All right, let's let me be quiet for a second. You guys. Open up both of your ears and listen louder.

Attention, new listeners. We produced a complimentary online training course called seven Training Tips that could. Life. Get instant access by joining the student lounge for [email protected]. Do you watch studentofthegun TV, read the blog and follow us on Facebook. If you answered no to any of these questions, you are wrong.

But you can easily fix yourself. Go to to find everything. S-O-T.

Yes, indeed. That's what you should do. That's what you should do. All right, are we ready to move into the Student of the Gun homeroom brought to you by Crossbreed holsters. Are we ready for that yet? I think we are. I think we are.

All right. If we're ready, let's do it. Man, I'm excited. I'm pumped.

That was dangerous by Madison rising. Yes. We have express written permission to use that. So go fornicate yourself, YouTube and crossbreed holsters. The homeroom is all about what being what dangerous on demand do.


Not Cod. There is a song called Cod by AC DC. It is on the album for those about to rock released. It is the album that followed up. Back in Black for those about to Rock was actually a really good album,


it was Back in black. They should have waited two years. But I know how record producers are and I know how companies are. They're like, no, we got to hit while the iron is hot. We got to get another album out. We got to get another album out. And what no one did was no one pumped the brakes and said, back in Black is so hot that it's okay, we can wait two years and release the next album.

No, got to get another one out now. Because that was the formula back then. Back then, you did an album every year. Boom, boom, boom, boom, boom. Sometimes you did two a year. There were bands that would release an album in February and then another one in September of the same year.

Look at the Kiss catalog.

They released albums. Two albums in one year. You're like, what? That's crazy. And you look today and what do they do today? They take two and three years between albums, right? Because the things changed. You're like, what the heck is this? Is this dick? Clark's Rock roll. And remember, is this music education

by Paul Markel? It could be, but we're not going. Talk about that. We're not going to talk about cod or DoD. We're actually going to talk about DoD Christian school security. You're like, Why are you talking about Christian school security? Well, because I don't believe that secular schools,

I don't believe they can be saved. They're run by communists and sorry, sorry, not sorry. This is one of those sorry, not sorry things. You're people are like, oh, but come on, Paul. But come on, man. It's like, here's the deal, man. We've been playing this game for a long, long time.


I say to you, when are things going to get better and when are they going to improve? You're like,

I don't know exactly, but I believe Christian schools can be saved because they have some autonomy and they have control over what they do, whether it is a Christian charter school or private school or what do you call parochial school, or it could be a Jewish school.

Do the hodge have their own schools? Jarrad I'm not sure they have, like, dedicated hodge only schools. I'm sure they do. Do they?

I think they just send their kids to public schools. I'm not sure. I know here, at least the people that I know send them their kids to

what's the one called where it's a charter school. A charter school, yeah. The answer is yes. You could find a list

of exclusive schools in America. Okay. But what we know, if we're honest, we're intellectually honest with ourselves. If we're willing to be honest,

religious, Christian, basically, it's Christian. Jewish schools

are being deliberately targeted christian daycares Christian schools, jewish schools, they're being deliberately targeted by evil people.

And to say, Well, I don't like that.

Those facts make me uncomfortable. Okay, that's nice, but that doesn't solve the problem. And refusing to acknowledge the problem doesn't make the problem go away. So what we need to ask ourselves is who is better suited or who would be better suited to secure and protect a Christian school?

Volunteers or hired guns?

Well, obviously you say hired guns, but what does that mean? Well, I mean, hired guns is subcontracting violence.

That's what Scott says, right? Subcontracting

carl. Yeah. Carl. Carl. Yeah, sorry. Carl. Yeah, that's what we do. We subcon. Contract our violence. We pay others to do violence on our behalf because we don't want to do it, because it's dirty,

whether it's below us or whether we don't feel qualified to do it. So what we do is we're like, well, I would never do that myself. See, that's what Democrats democrats love

to subcontract violence.

That that traitorous piece of human filth from California, eric Swallow Well or Swallow Well or whatever his name is, he wants

to pass a law in direct violation of the United States Constitution that makes it illegal for you to own an AR.

He hates ars,

even though the AR

is the rifle in most common use in the United States of America. And he's proposed that people can either voluntarily surrender them to the government, or they will send Gestapo agents. They will send agents of the state out to take it away from you. And the reason I bring this up is because Eric Swallowell is not going to be at the front of the stack.

Eric Swallowell will not be on your front porch beating on your door, demanding you give him your guns. See, they don't ever do that. They subcontract out the violence.

They create the situation, and they send other people out to do violence on their behalf.

The people that are rattling, that are dancing in the blood of children, they're never going to go out to do what they want done. They'll send other people to do it. Democrats love to subcontract violence. They love to hire other people to do violence on their behalf. When it comes to protecting our children in our schools, we need to ask ourselves, who is best suited to protect them?

Now, I know there are people out there like, well, come on now.

You can't have amateurs

and just citizens carrying guns because they're not qualified.

Only the police are qualified.

Why? Well, because they're trained professionals.

That's a cool story. That's a cool story. You tell yourself that at night before you go to sleep. Makes you'll feel good. Yeah, they went to a class,

and they were taught how to use that thing.

But the idea that every person who puts on a polyester. Uniform

is a firearms expert is laughable. It is laughable.

It's not even a funny joke. It's a sick joke.

There are a lot of volunteer citizens who are far more qualified to use a firearm in defense of innocent lives than the vast majority of the dudes walking around in polyester uniforms. And if you're one of those dudes in a polyester uniform and you want to go ahead and get butthurt, get in line, write me a letter, send me actually, you can send a letter directly to me at PO.

Box 40, Five, Boulder, Colorado. But make sure if you want to reply, you put a self address stamped envelope in there, and we'll get right back to you. But, ladies and gentlemen, look at what we've experienced in our schools with the hired guns. We have two major

nationwide or national international incidents where the people in polyester uniforms either stood around while children were slaughtered or ran away while children were slaughtered.

And what have we been thumping for a long time? Who has the opportunity in the event of an attack? An active shooter, an attack in a school, a mall, a church, a fill in a blank. Who will have an opportunity to make a positive difference in the outcome? Only who?

The people that are there already? Yes. Only the people who are present

at the moment it begins. Those are the only people who will have an opportunity to change the outcome. The first responders

will not.

They might surround the place, the mall, the church, the school, the whatever, and then after the shooters are done committing the mass murder or they run out of ammo or they get bored, like in the case in Parkland. Kid just got bored, walked out, just had so much had so much time on his hand that he just got bored and was finished and walked away.

That's pathetic.

Only the people who are present when it happens will have the opportunity to make a positive outcome.

And the positive outcome could be the immediate cessation of hostilities by gunfire. And who does that?

Is it possible to train it? Adult volunteers. And when I say volunteers, I don't mean random stranger. Is off the street. I mean, the gym teacher, the shop teacher, the history teacher, the vice principal, the principal, the dean of students. Fill in the blank. Is it possible for those people to be trained so that they become not only competent, but confident that they can do what needs to be done in the event of an emergency?

Yes, it's absolutely the idea that somehow, once you put on a polyester uniform, you become this uber genius, and you get this magical ability to use guns that nobody in mere civilian clothes could ever have is Ludicrous.


you're not going to give me a Ludicrous reference?

Luda. The only one I can think of I'm not going to give you right now. Luda. Luda.

Back up. You don't know me like that. There we go. Yeah, that's right. One I could think of was the

name of the song. My friend. You don't know me like that.

Isn't it called get back,

Zach. What's that Ludicrous song where he's like it is indeed called Get Back. Yes. Get back. My friend, you don't Know me like

so if we come to the realization because here's the thing.

Those people, all the people I just mentioned, the gym teacher, the history teacher, the football coach, the assistant principal, the dean of students, the principal, all those people are going to be there anyway.

They're going to be there anyway, right? They're going to be all over the school anyway.

So why not make those people have them? Not make them not force them, but create why not create a trained volunteer, security person, protector, a person who is capable in an emergency, in a crisis? I mean, I know that they force teachers to go through the fire training. They have to know where the fire extinguisher is.

When I was in school, one of the things during the fire drills was I remember a teacher going to where the fire extinguisher was.

Are they firemen? The teachers aren't professional firemen, but we can teach a gym teacher or a history teacher, a second grade teacher to grab up that object, pull the pin out, squeeze it, and put the fire out. We can teach them to do that, right? And teach adult volunteers.

And if you got people. Your school, adult humans that you think are not responsible or mature enough to be in possession of a firearm.

You know, you're putting your children in their care, right?

I've had people like, oh, come on, you can't have or expect teachers to go to training and carry a gun. That's the soul. We don't even know if they're safe or responsible. You don't know if they're mature, safe or responsible enough for that. But you're going to send your kids to them every day to be indoctrinated.

You know, they're in charge of your kids, like, five days out of the week. Right?

Don't you think you and if those people aren't mature and responsible, why are you sending your children there?

That's the people that are supposed to be caring for your kids and looking out for their welfare, making sure they don't jump off the roof of the school, know, play with power saws, know, whatever.


this is when you say, Paul, when are you going to stop writing books? I don't know. When I'm dead. This stuff needs to get written down. So what I've been doing, I've been engaging in

a program of writing down as much as I possibly can, getting all of the thoughts out of my brain onto paper so that they are available to my sons to have so that they never have to say, well, you never told me that, dad. Or, I don't remember you saying that.

And sometimes they say, I don't remember you saying that, but now I can say, well, you might not remember me saying that, but I wrote it down.

Jarrad and Zachary, I wrote it down. Yes, you did. And my sons get a little frustrated with me, and they're like, slow down on the writing stuff. We didn't catch up with the last one yet. And I say, I can't slow down. Don't know how much time I have left.

Don't know how much time we have left. It's got to be done. So I did another thing, and hopefully you'll be seeing reviews of this book or hearing reviews very soon, because we sent this book out to respected professionals in the firearms industry,

and I'm hoping that those reviews are going to hit very soon. Now, do I expect or believe that every Christian school, Hebrew school, whatever in America is going to appreciate this and implement it? No.

I wish they would, but I know they won't say, well, why did you do it? Because I have the experience. Experience. I have the training, the knowledge and the experience, providing executive protection, bodyguarding, security.

So I put it all down. I wrote it down, I detailed it and I put it out there. I can't make people accept it.

It's like being an apostle, man, or it's like being an evangelist or it's like delivering the message. All I can do is deliver the message.

I can't make you accept it. I can't make you appreciate it. I can't make you do anything.

But if I deliver the message and you hear the message and you say, that's nice, but I don't care, that's nice. I don't want that information. It makes me uncomfortable. I don't want to think about it. I don't want to think that a bad person, a minion of Satan, would come into my kids Christian school and murder them.

I don't want to think about that. Makes me uncomfortable. Cool. It's not going to change the outcome. It's not going to stop it. Your feelings aren't going to do anything. Jarrad, it's like the insurance thing, which we're going to talk about here in just a second.

Can you stop a hurricane from coming to Florida?

No, you can't, right? Not who you ask. Yeah. Working the way. If we pay enough carbon quiet.

You can't stop the world from being what it is. What you can do is you have the power to decide how you're going to react to that.

You don't have the power. When you walk out of your front door, when you go and stop to fill up your truck, your car or whatever, and you walk into the gas station and there's an ahole standing there with a gun in the clerk's face and he looks and he sees you.

You can't prevent that from happening.

What you can do is decide how you're going to react to that, what you're going to do. You can't stop someone from coming through the intersection and smashing into your car. You're sitting there doing what you're supposed to be doing or you're going through a green light and somebody runs a red light.

You couldn't stop that from happening. But you can decide what you're going to do. You cannot stop maniacs from trying to come to Christian schools, but you can decide what you're going to do if that happens,

you can prepare.

You can either ignore it and hope that it never happens. And Jarrad, that's exactly what

I'm going to get, the cheapest, crappiest insurance that I could possibly get. And I'm betting that nothing bad will ever happen. It.

Or you can just say, well, you can accept the fact that you can't change how other people behave, you can't change what evil people do, but you can change how you behave. You react to it, you can change your preparedness level.

And if you want the information, it's there. It's available to you. And the other Thing that I Want to Touch on real Quick is I'm really Glad that we had that Conversation. Jarrad, about

is it run by the Mormons, the school where they open carry, not concealed carry. Yeah, it's a Mormon LDS school. I don't know what you would call it, but it's run by the Mormons. But it's not just a Mormon school. There's people of all faith denominations that go there.

Yeah. So my original thought was well concealed, and that's generally where everybody in our culture will go. They're like concealed is the way to go. You should never open carry. And anybody who says you should never, ever open carry, ever, under any circumstances, ever,

because, well, you're not thinking

police officers open carry every day. Yeah, but they're allowed because they have polyester uniforms and they work for the state

and you don't. Well, is there a time for good people to be armed and for people to know that the good people are armed? Yes. There are times when the people need to know that the good people are armed. Now, if you're the only person, if you're, like, the only one with a gun on, then you become that one lone weirdo.

But if there's ten of you,

you're like, oh, this is a thing

in the school that we're talking about. The security people at the school don't concealed carry. They're volunteers. They're members of the staff. They're trained, they're armed, and they open. Carry. They carry openly. You're like that's crazy. Calm down.

There's two good reasons for that. Number one

the important reason or one of the important reasons, I don't know which. One's more important is to show the students and their parents, but mostly the students, that guns are not evil. Guns, in and of themselves, are not bad things because that's what the other side says. The other side is trying to convince our children that all guns are bad unless the state controls them, unless cops have if police officers are allowed.

To have guns because they work for the state and the government, but otherwise they're bad. And bad guns. Bad.

By having trusted, respected adults be armed and armed so that the children see that these trusted, respected adults are armed, you remove that stigma that all guns are evil. You're like like, you know what good people do carry guns. Good people use guns to keep us safe. And then the other one is

the reason that that he she lunatic in Nashville chose that school was because he she it knew that school didn't have armed security, and they knew they could get away with

right? These people are cowards. They don't want to fight. They're not showing up to get into a gunfight. They're showing up to murder.

They're showing up to commit carnage. They're showing up to kill as many innocent lives, to take as many innocent lives as they can before someone stops them.

So by having armed staff members be obviously armed, you're telling a potential minion of Satan, oh, you can try it. You can come and try, but you're not going to get far.

You should probably go somewhere else. It's called hardening the target.

It's called hardening the

actually. And you say, well, our school, we put up placards.

What is more convincing? Jarrad or Zach or anybody who wants to answer? What's more convincing to a potential bad person? A plastic sign or the gym coach standing on the sidewalk watching the school bus get loaded and unloaded with a pistol on his hip?

Anybody can put up a plastic sign. Feel human there. But the plastic sign has a gun on it, so maybe they'd be afraid of that too. Who knows? Yeah, they might be afraid of the picture of the so the new book is called Knights of St. Nicholas, Protector of the Children.

And we dive into what we just talked about and a lot more. So if you're interested in that, great. If you're not, that's cool too. All right, now it's time for the special guest. And I'm excited about this. You've heard him here before, and like I said, we talked about a couple of weeks ago what's going on in New Jersey.

New Jersey State has granted itself the authority to sue gun companies out of business.

And it's really arbitrary. And it's not for committing crimes or breaking the law. It's for actually engaging in lawful commerce. So you could be in New Jersey following their rules and restrictions and all of their. Crap, and still the state will sue you out of business. How do you insure something like that?

Well, I don't know, but I know who does, and his name is Rick Lindsay. And so the next people you hear are going to be Jarrad and I and Rick Lindsay from X insurance. So perk. Up yours, freaks.

All right, ladies and gentlemen, once again, we have a special guest. It is Rick Lindsay from insurance. X going to give it to you. They're going to deliver to you. X going to give it to you. And we were hypothesizing a couple of weeks ago about New Jersey and how they recently granted themselves the authority to sue gun companies out of business,

not for committing crimes, not for breaking the law, but for engaging in lawful commerce. So my hypothesis was, well, if we know that that's the case and we know that they're already targeted, how do you insure somebody that's being targeted directly by the state? And can you insure somebody that is?

And should you insure somebody that is? And what happens to the premiums when a company becomes a known high risk? And rather than try and answer that myself, because I am a neophyte, we brought on Rick Lindsay. Rick, good morning. How are you guys? Fantastic. Thanks for inviting me.

So I'm guessing you've heard about this.

Yeah. Yeah. I mean, it's not surprising to me. It's like everything else, you you kind of pick a path. You make decisions. Good decisions, you end up in a better place. Bad decisions, you end up in a very different place. So when you guys hit me up on this, I think the real problem started with Remington, right?

And I don't, like,

know, but their job is to shoot the gaps like linebackers in the football. You know, remington screwed it all up. I mean, they basically listened to the lawyers, hopefully to avoid going bankrupt, and they went bankrupt anyway. So to me, that was kind of the beginning of the end.

And I would tell you that I started in 1985 insuring high risk rafting and mountain climbing. That was uninsurable. So the thing that makes it uninsurable is people buy insurance like an idiot. And I'd have to tell you, the gun industry is kind of leading the way. I've been offering gun manufacturers and gun people good insurance, real insurance, for a long time, but they all make bad decisions and buy cheap, shit insurance, hoping that they're never going to have a claim.

Just like Florida homeowners, right? They'll take your money because they think you're not going to have a claim. Then when you have a claim, they basically don't pay you because of the fine print and exclusion. So rather than talk about the price of something, let's talk about

what can happen does happen. What's the play like going to the Super Bowl? When you end up in the Super Bowl as a team, you have your 1 YD line plays, everybody knows their job, you practice them and you're all on the same page. We go to court like amateurs, right?

And the lawyers are always going to tell us to settle everything. 98% of all cases settle because everybody's afraid. So when you're right, you do not negotiate with terrorists. You go to court. And just like in California, when people would die doing an adventure sport, it was uninsurable and you had to pay them.

Release forms were no good. I took that case to the Supreme Court in California and literally at that point in the late 80s proved all the lawyers wrong. Release forms are good with the right facts and the right execution. But execution takes a good insurance partner. I need a good insurance who's not going to listen to the lawyers?

So the lawyers are doing their job. In New Jersey, the lawyers are always behind legislative changes and this immunity that the manufacturers have had, everybody's really afraid of that going away. But if you don't defend yourself, if you settle, you don't get the benefit of it anyway. So to me, this is just now it's a bigger battle and we need to get better and challenge this again.

If they do something wrong,

then you should do the right thing and pay the claim. But if you didn't do anything wrong, you never settle because that's like the first stone in the wall and you get weaker. And

gun industry needs to make better decisions. Quit listening to lawyers. I talked to the head guy at Remington. They brought him back to try and save the company. And I said, so who is the genius lawyer who talked you guys into settling this? And he told me the firm.

My company is based in Chicago. I know the firm. They're the crappiest law firm on the planet. They're big. I would never use them because they don't want to listen to me. And I'm kind of risking my own money. So I feel like I have more skin in the game.

And the insured, in this case, the gun industry has more skin in the game. So lawyers are a tool that we use. You don't let them fly your plane into the mountain like Remington did. So to me, this is just base. It common sense.

The law that they've put in place there. I was told I couldn't sell firearms liability in New York and Washington. I don't sell firearms liability. I cover you the person or the business and firearm, knife doesn't matter how you protect yourself as long as you're doing what's right. We should fight for what's

a whether it's a wholesaler distributor, dealer, whatever. I don't think are there any actual manufacturers in New Jersey? I don't think there are. But a wholesaler retailer, somebody in the gun business comes to you in New Jersey and says, hey, I want a new policy,

you say, Great, awesome, let's do it. Or what is your advice to them? Well, I want to get a sense for how legally naive they are and who are the lawyers or trusted people that they're going to listen to

over me? I don't think they should listen to anybody over me. If I'm their insurance partner.

I've been doing this for 40 years and winning lawsuits that lawyers tell me I can't win. Don't listen to them. We go win. So to me, New Jersey is like legal hellholes. They've been passing out that fake news now for like ten years. There's a list of the ten worst venues chicago, New Orleans, South Florida.

I win lawsuits there all the time. But I got to have good facts and I got to have a good partner. And we have to be patient because the legal system is very slow and people get scared. So many cases, people who've had claims are more

not as naive, right. And they actually realize that if they take the wrong turn and settle cases they shouldn't, they're not going to have a business down the road. You're settling yourself right into oblivion.

The idea that we can compromise with people that are seeking our destruction and they'll just destroy us slower or less,

it's crazy. It goes back to the during the with the Israeli policy of never ever negotiate with terrorists. And other people were, other countries were and they pressured Israel. NATO did, europe did, the United States did. They pressured Israel. Oh, the news is reporting this terrible thing and you've got to do something to relieve this problem.

And to their credit, I don't know how they would handle it today because quite frankly, Israel's kind of gone down the toilet. But back then,

their way of negotiation was to send a team of commandos down to Antebe and raid the plane and take care of business. But for those of you that don't know on the radar on Antebe, you're young, and you should study history.

But the thing is, the Israelis never lost after Antebe. They ever lost an airliner, not one. When we were having you remember the planes hijacked to Cuba?

It almost became a joke, Rick, about like, we're going to Cuba. It was almost like every other day someone was jacking a plane and they were trying to fly to

but Israel hasn't lost one plane to hijacking because they won't negotiate, and they wouldn't mean I relate everything to really simple stuff. This is all like when we were kids on the playground with the bully. And once there was always the little guy who punched him in the nose, got sick of him, and then we all were like, oh, the bully is not that tough.

And in adult life, the legal system in this country has been fake news that it's not fair, and you can't be treated right. I disagree with that. But you have to have a play and the partners, like when you used to pick your football team or your steel to tick team, when you were kids on the playground, you knew who to pick.

You knew who the fast kid was. You knew who the good blocker was. Today we buy insurance like idiots, and we just buy the cheapest thing. We don't ask, well, what are we going to do when this claim occurs? When I get sued? Frivolously so everybody I insure, I talk to and I ask them that.

I say, look, we're not going to talk about Price and quoting you until we have a plan and a play. Now, will you live up to the plan and the play? Will you actually do what we've agreed to under pressure? That's when you really find out. Just like friends on the playground, when it was a fight, some of your friends would run home, some would fight with you.

Same thing. Well, now if there's a fight on the playground, they call SWAT team.

They let them rob the stores, but they go get the kids on the

that's the that's the latest one. I just saw that this morning when I was going prepping. The show notes a story out of Washington, DC. Where Giant Foods is going to remove

attractive items. They're going to remove brand name items that are being stolen from the store. So they're just going to take it away, like Chick Razor and Tide detergent and stuff like that. They're just going to not stock it anymore. One way to do it.

Well, that's one

good decision or a bad decision. No one gets to have any. They're like, these things haven't been selling for like five years, but we've kept on the shelves. Finally we've got a reason to get them off the shelves.

I don't understand that

mean this kind of goes into the discussion that we're having about New Jersey gun companies. I don't understand why a company would apply a half solution, especially if it's going to cut into their profits, because that's the whole purpose of having a company, is to support you, yourself, your employees, the executives, the board, the investors.

And if you're cutting that out of your business, then you're not just going to hurt it down the road by settling and having to defend yourself again for the same thing. Because you didn't fight back the first time, you're going to lose profits along the way, and it's going to make it more difficult to fight back the second time because you're not going to have as much money.

Doesn't make sense to me.

But if it's a distributor or a firearm sale guy in New Jersey, you do want to make sure that you're

thinking ahead of the ball and being a lot more aware that if I do this and this guy goes and does something

with this weapon that maybe I should slow down and not be so excited here because it is going to ruin my future. So again, I want to talk to every business owner. I want to understand how they conduct and operate their business. Because the lawyers, again, when the bad thing happens, when what could happen does happen, they're going to say, you should have, you should have, you should have.

And it's not that hard to anticipate what they're going to claim you should have done.

You should have waited longer. You shouldn't have sold it right on the spot. And jet skis. Some guy walks up to rented a jet ski and he's a total jerk. Why would a jet ski rep? Those are the types of things I've been dealing with for 40 years. Good people who operate their own business, they see trouble coming.

Good guides. When you show up on a river trip for the Grand Canyon and the jerk shows up in every bunch, you as the head guide, should put him in your boat and you control him and you manage him because last thing you want to do is let him be a jerk.

And then you get to evacuate him from the Grand Canyon and deal with the lawsuit later. Again, it's about having foresight. It's not being a fortune teller. But once you've been doing this stuff long enough, you kind of can see trouble coming. But if you're an absentee owner and you're on the beach.

Drinking my ties, and you got a crew back there running it. They're not going to make the same decisions. They need good leaders, and

that's what I basically try and do for my people. I don't want to make them scared. I'll make the tough decisions. What's the right price? What's the right plan? Do we fight or win? And when we get in a fight and the people get scared, I tell my team, call me in.

Let me talk to the insured. I talked to him before the bad thing happened, and we had a plan, so let's shore up the plan. And a lot of people get scared and listen to the lawyer, and I don't get mad at them anymore. I used to. Now I'm just like, okay, dude, you're the boss, right?

You get to make the decision. But we had a deal, and you're now changing the play on me, so I'm going to pay the claim like you want me to, but that hurts everybody. Just like when we won the case in California, saints versus whitewater voyages, it helped everybody nationwide since the late 80s now benefit from that win.

Had I settled it, they'd still be saying, well, these firms are no good.

From a larger standpoint, I know a lot of people in America who are not gun people, or even if they're just fringe gun people, they see this thing in New Jersey and they're like, well, it's just and, you know, what are you going to do? But what happens to an economy, what happens to a nation when you allow these leftists, these liberals, to just grant themselves the authority to sue companies out of business?

I know you're absolutely right. It's the attorneys behind it pushing the legislation through. But this doesn't end at guns. People like, well, I don't care about guns, and I don't like guns anywhere. So it doesn't end at guns. It starts at guns, and then it moves to automobiles, and then it moves to anything.

It doesn't matter. Pizza stones. Now you can't have a pizza oven that burns wood.

The fancy pizza, they want to get rid of those. I mean, literally everything is under attack. And again, I think that's part of

their organized

attack on the things they don't like. And

it's really sad that New Jersey, everybody can say, oh, it's only New Jersey. It's coming to the other states. There's some states. Montana, Utah, wyoming. They'll be the last ones because I think we're pretty freedom loving people out there. But it doesn't stop at New Jersey. We got to take it on in New Jersey through a strategy and a plan.

And Remington, again, a good example. They bought cheap insurance. The fine print doesn't really work, and they didn't have a play, and it hurts. The whole industry. So you bought cheap insurance. How much did you save in the long run? You didn't save anything. It cost you so much more money in the long run because all you want is cheap insurance.

And so the people that I help, they broke through that mental

roadblock that it's cheaper for me to buy the right insurance s and have a plan that protects my future. Just like all these Florida homeowners, no flood. Lawyers have been making money for 50 years arguing over wind and flood. If you have flood, it's from a separate company. And the answer is, in my approach, I give you everything you need.

Wind and flood. We're not going to argue about it. If I insure your home and it's damaged in a storm, we're just going to come fix it. We're not going to look at what's wind and flood. These solutions are so simple, it's ridiculous. I'm telling you, it's amazing to me that we listen to all these overeducated people, insurance lawyers, defense lawyers, plaintiffs lawyers, actuaries, these big, huge companies that know really failing us.

AIG, CNA, they've been doing this hundreds of years, and people think they know what they're doing. I would tell you, I'm proof that they really don't know what they're doing. They've evolved in a direction, and a trend that hurts their insurers doesn't help them. Their actual plan is to take your money and you pay your own claim, like flood.

Or if you have claims, they normally raise your deductible to $100,000. Almost 90% of your claims are going to be under $100,000. So they took your money and now you pay your own claims. And so one of my platforms now is get rid of deductibles. They pit us, the insured and the insurance company, against each other.

We're working against each other. The roofers show up and say, oh, you got a roof deductible? I can work that into the bid. So my approach is we share risk on a percentage basis. So instead of $100,000 deductible or 10%, and you pay the first, if you have $100,000 claim, you're paying the whole thing.

Under my approach, you would pay 10% or 10,000 and I would pay 90. But we're working on the claim together. You're reporting your claims because we're both going to pay on every claim. And that is such a simple, common sense approach to aligning your interests with people you're doing business with that the big boys should do it, but I don't believe they ever will.

I hope they do, because it will help our industry stop feeding the lawyers.

Yeah, I have. Real, genuine fear and trepidation for the future of our industry.

Just because it seems like the people that are running the industry now, or the people that are coming into the industry,

they're standard cookie cutter business people. They went to the business school and they learned the whatever. And it's like these people at Remington, the ones that the Freedom Group and so forth, they weren't gun culture people. They're business people who were just selling a product to them. It's like a hammer or a power drill or whatever.

It's just a product you sell to American Rednecks so they can give you money. And when you have a situation like that,

guns go away. They're going to take your

know what? What do we

I'm I'm really, genuinely afraid for the future of our industry especially. So we have the Remington debacle and that but then you also have the situation where you have this artificial economy where sales were artificially increased and to a point where they really shouldn't have been.

And now they're down to where they actually should be in a realistic situation, in a realistic world, and everyone's freaking out, sales are down, we're losing money, blah, blah. It's like, no, you're not actually losing money. Yeah, but sales were up so high. I'm like, yeah, that was artificial.

That wasn't natural. It was something that it was just a spike. But when you have a company that can't understand, that can't forecast future highs and lows, we have companies in our industry that

literally I was like, did you expect the sales spike from 2020 to just go until the end of time? It's just going to go up and up and up and up and up and up and up. Did you not expect or anticipate a slump?

And so they're like, oh, we're in a slump. And I'm like, yeah, no kidding. What did you expect? And they're like, well, we don't even know if we're going to have to cut costs. We're going to lay people off, we're going to do all this stuff. What did you think was going to happen?

And that's scary when you have people running big companies. I'm not talking about like four people. I'm talking about companies that employ 5000 people and they got a sales slump and they're just freaked out about it. And they're wringing their hands and they're sweating. And I'm like, wow. Well, you know, what you're describing there is just like, insurance companies, all these big companies chubb, and they've been taking people's money in California and Florida for years.

And now they're all waking up to the fact that they can't write insurance. In California and Florida anymore because know, they call it global warming, I call it storms. And

you know, the farmers allstate, all of them have announced they're not writing homeowners in Florida anymore. Now they all claim that it's because they can't get the rate increases from the insurance.

You know, if you can't increase your rates based on what's going on and their rates have always been too cheap again, because their underwriting process is where they're only writing people that they think aren't going to have a claim. That's why anybody that has a claim, they cancel. You're good until you have a claim.

And I would tell you that most people have claims, they just don't report them

because they know that there's going to be a backlash. And I think we take your money because you can have a claim and why wouldn't you report every claim? You know what happens when you report a claim late? It's denied for late reporting. That's how stupid this stuff. They just in Florida, they double the price and they double the deductible.

The last storm they didn't pay anything. The guys paid their own claim under their deductible. And you don't need to double the deductible. You don't even need to double the price because you didn't pay anything.

So the only person that made out good on that was the company that was insuring the insurer, not the actual person that's been paying. And that needs the help. Right?

Yeah. I mean the reinsurers are I used to hate insurance companies. That's why I formed my own. Now I hate reinsurers because they're like insurance companies on know, they have secret exit hatches and fine print of their own that make all the Florida homeowners companies went broke because their insurance reinsurance actually disappears once they hit a certain number.

I'm like, you got to be

why would you buy that crap? It's like, well we didn't think we were going to have a storm. I'm like, dude, you're a Florida homeowner's company. Guarantee you there's going to be storms every year. Well, there was eleven years where they had no storms. They should have made a lot of money and so when the storm did come, they would have had it to pay.

But they suck out all the profits, which again, I think should be something that's not allowed. Token hookers. You don't get to suck out every penny of profit when you're supposed to be banking money to pay when the storm does come. Exactly.

We're the gun industry is in a storm right now and they were like making money hand. Over fist during Obama.

Then they're crying. It's like Remington. The Freedom Group. They had to break them up and sell them apart. And I was like, what were you guys doing with all that money you're making? Spending it on coke and hookers or know,

for insurance companies, is there an acceptable standard that's used for having X amount in escrow to make sure that you have expenses covered? Or does that vary between company and company? Well, what you're talking about is your surplus. So if we started an insurance company today, you could start up with a million, 10 million, whatever, but you can only write so much premium against that.

The fundamentals, again, are so simple. If you pay me a million dollars and I'm your insurance company, how much should I spend of that million dollars to issue a piece of paper? Now, most companies expense ratio is 40. 40%. So you'd only have $600,000 left. So fundamentally, my company is focused on having a low expense ratio, which is the lowest of all insurance companies at 20.

So when I talk to agents and brokers and buyers, I'm like, well, who are you with? Well, their expense ratio is 40, so they're sucking out a lot of the money just to issue a piece of paper. It's absurd. And then in non storm years, Florida homeowners companies, their expense ratio and their loss ratio should be 40, right?

Because you didn't have any storms. In the storm year, it's going to go up to 100. But in the non storm years, all the Florida homeowners companies ran it at 98 combined. I'm like, how is that possible? And what do you think is going to happen when the storm comes?

You're going to go broke.

The Am best book has been my bible for years. I remember looking at it, and I would call presidents of insurance companies, trying to get them to let me do what I'm doing today. Of course, they all told me I was crazy, but that was my goal in the 80s, was, I want to be in that book.

I want to be in all 50 states, and I want to be A rated so I can do what I want. I don't have to call these over educated corporate nightmares that have way too many people.

I think that, again, this is really simple stuff. We make it way too complex. But it is about ensuring people, not businesses, because one firearms guy from another, firearms guy, one rafting guy from another, what's the difference? It's the person in charge. It's the decisions they make. Because everybody that works for them just following them.

You yeah, you would think or you would hope that eventually. Somebody would make a good decision and that others would follow the good decision. I think that's what Rick's trying to do. Oh, it's like, come on, man. He's like, you just make the right decision, you can also be

but I found in life know, when you're trying to save money, it normally costs you more money in the long run because that's a bad decision. You're not looking for value. So when you look for value normally, that means you spend more money to get the right thing that's going to perform and execute the way you need it to when you need it.

Insurance, you know, again, Liberty Mutual sells their insurance. Only pay for what you mean. That's the stupidest slogan I've ever heard as an insurance guy. I'm embarrassed. It almost makes buyers of insurance seem stupid because you don't know what you need, and if you're looking for the cheapest thing, you ain't going to get what you need.

Yeah, but they've got a who's the one with the emu with the bird. Which insurance that's Liberty Mutual. Is that Liberty with the bird? They're all the same, though. They all sell cheap insurance. It's all about saving money, cheaper price. And to me, our industry, it's going in the wrong direction, doing exactly the opposite of what we should.

Embrace the claims. I don't think we teach our children the concept of buy once, cry. Know, that was James's motto for a long. He's like, well, what are you buying? And he's like, look, here's my motto buy once, cry once. He said, buy something that's quality and just live with it.

Or you could just keep replacing broken crap for years and years.

I don't know if you had the opportunity to meet James Yeager Rick before he passed, but he was one of the

firearms training leaders in the industry that he was just an honorable man that would when he gave you his word, it happened. Didn't matter what he had to do to make it happen, it happened. And people like that are few and far between. But one of the memories that I have of him saying buy once, cry once was I was young.

It was like one of the first times that I'd met him, and he was talking about

boots and knees because somebody was complaining about their boots. And he's like, well, what'd you bring? And it was this cheap piece of crap pair of boots. And I'm young, so I'm like, not even at the point where I'm thinking about if you don't get good shoes to do this kind of stuff that we're doing on this training range, then maybe you're going to have to replace your knees.

So I'm this young kid that's like. Whatever. Nobody asked to replace their knees. And so he's like, just freaking spend a couple hundred dollars on a pair of boots, man. That's not that much. Well, and the knee pads, people are like, well, should I buy knee pads? And he said, well, he said, knee pads are cheaper than new.

Jarrad when we started this, I was thinking that Rick would probably appreciate the original the waiver. The waiver that James used to hand out. That's right. I forgot. The first line of the waiver said, I acknowledge that I may die today. Right. And then it went on from there.

You don't want to hide anything from them because the lawyers that puts it all out there in front. I may have told you this. When I started insuring rafting class five, I made them swim across the river and back. It was a three day trip, and they were going to swim.

And the good guy said, sure, I'll do that. And they would scare some people off the trip. The crappy guy would say, I don't want to make them swim a river. That'll get rid of a lot of my customers that don't want to swim. I'm like, well, you got to be honest with them.

You can't hide the ball and then have an accident and then try and defend yourself. You have to think ahead of the ball and say, look, you're probably going to swim on this trip. You could die on this range if you make bad decisions. So it is about individual personal decisions, company decisions, and a plan and a play.

That execution is what it's all about. When the chips are down.

What we do, and we've been doing it forever, but a lot of schools don't, is at the very beginning,

we tell everybody where the trauma kit is. We designate trauma people, all right? This person's, primary, secondary, so forth. In the event of if we need to evacuate a person, this is how we're going to do it. This is where we're going to go. This is where the hospital is, and so on and so forth.

And I've had people come to me and say, I've taken a lot of classes and nobody's ever hit on it. And they said they'll go over the safety rules, but they'll never talk about what do we do if somebody gets shot? And I was like, well,

and I never thought about it as like an insurance thing or whatever. I always thought about it. That's the right thing to do. I'm going to take an umbrella with me to guarantee it doesn't rain, right. But it'd be hard for someone to claim. Well, I had no idea that it was going to be risky after sitting through the this is the emergency medical plan.

If you had to testify, say, what was your plan? Our plan was call 911, sit on the ground, wait for somebody to show up. That's not our plan. Yeah. Cover our eyes and cover. Here. No, our plan is to take action and where we are in the desert or not desert, mountains, whatever, scrub it's.

Mountains. Yeah. The truth of the matter is, I said, look,

we could get you to hospital before the ambulance could get the phone call. The guys could go to the thing, figure out where we are and show up. We would already be there. I said, so most of the time we won't wait. We're going to put you in a vehicle if you're ambulatory, and we're going to take you there because the time is not on our side.

And it's just things of that nature, that's the responsible thing to do. And I know people are like, there's some guys like, oh, we don't want to talk about that. Because if you talk about that, then people are like, oh, I never thought about the fact that I might actually get hurt here, so I don't want to do that.

No, it's like saying trying to convince somebody that chainsaws are safe, chainsaws are not safe, but we need them.

It's like insuring a machine shop with lathes and presses and milling machines and everything. All that stuff can be dangerous. We need it, it's important and we should have it, but at the same time, it's dangerous. We don't get rid of it because it's dangerous. We just take the proper precautions.

And I would hope that people would be mature enough and responsible enough to understand that, but seems sometimes like we're pushing a rock up a hill when it comes to convincing people to do the right thing.

Well, pick the right partners and make good decisions, and I think life is a lot easier. That's what I've learned now that I'm old. When you're younger, certain people you're impressed by, and you really don't know how they're going to treat you under pressure. So as you get older, you hopefully make better decisions and learn from your mistakes.

Not saying that young people can't make good decisions, but they have to listen to some of us older know that have more experience than they do.

Yeah, imagine that. Imagine that. Yes, indeed. Well, Rick, Jarrad, do you have any more questions for Rick? No, he answered all the questions. Just have him give the audience their marching instructions if they want to go and actually sign up with X Insurance, what do they do? Yeah, just either call us 813045 510 or go to and get an application and complete it and we'll have a call, and then we give you a quote.

We can give quotes same day. We can move as fast as you want. Most agents and brokers today would tell you they can't get you a quote for 30 or days. It's a hard market, but I've always done done stuff fast and direct and keep it simple. So give us a call or visit the website and let's do it right.

All right. Remember, X going to give it to you. There you go. Thanks, guys. Thank you very much for joining us today, Rick. I truly appreciate it. You bet. Talk to you later, guys. Have a good one. Bye.

All right. Thank you very much to Mr. Rick's Lindsay of X Insurance.

What are they going to do, give it to you? They're going to give it to you. They're going to live it to you. I'm telling you. I think they need to if they want to hit a new audience. License that music. Do it. Do it. License it. The estate of DMX, I'm sure would be happy to license that to you.

That's pretty cool. All right. So thank you very much to Rick Lindsay for joining us from Flowrida, and I hope you guys got something out of that. I thought it was a fantastic conversation. We got right to the heart of it, and that's what we do here. Student of the gun.

We don't mince words. We get right to the heart of it. All right, thank you very much for being with us. Tomorrow. We're going to be back. You're like tomorrow? You have a show tomorrow? Yes, we do. It's called a Grad program bonus hour. And Jarrad, if they wanted to be part of the Grad program and get the extra stuff that only special people can get, how could they do it?

It's super easy. Go to and follow the instructions there. Join us. Super easy to do. You just like I said, follow the instructions and all you have to commit is one single dollar for a 30 day trial. And if you don't like the trial, then we can go our separate ways and still be friends.

It's definitely not us. It's definitely you, but that's

not us. It's not me. It's you. It's not me. It's you get. follow the instructions there. We have an amazing group of like minded, liberty minded individuals that are part of the Grad program. And I wish that more of you guys that are part of the grad program would be in the discord community.

But it's just some people that are in the program don't want to be there because they don't like the Internet stuff. And that's totally cool. I just maybe we should do a justin will love this idea. Maybe we should do like this thing, maybe call it a shindeg or something like that.

Program members together. He's screaming at the radio right now. Yeah, he is. All right, so tomorrow on the bonus hour, we're going to talk about Democrats or thieves. We have proof and calling all gWAT veterans. Calling all gWAT veterans. I want to hear from you and I'm going to tell you why.

I want to hear from you tomorrow. So until we're together again, ladies and gentlemen, remember, you're a beginner once you're a student for life.

Thanks for staying until the end. Want to water the seeds of freedom we planted together today? Head over to wherever you listen to us and leave a like rating or review. It makes a big difference. Have a show topic submission? We would love to hear it. Submit it to [email protected].

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Zachary Markel, affectionately known as the Shipping Ogre, is an intricate member of the Student of the Gun team. Zachary co-hosts the radio show, publishes the material for public consumption and produces Morning Mindset with Paul G. Markel. As the Shipping Ogre, Zach oversees the SOTG Gear store. He ensures that every package he touches is handled with care.