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GoGoGadgetChris posted:I have a bias in that I work with the ownership/management side of apartment complexes, but pet rent + pet deposits make a lot of sense because animals smell very strongly like animals and the apartment will smell that way and be worth less money unless it gets a deep, deep clean. I'm okay with pet rent and deposits, especially since for every good pet owner there's some gently caress-up who absolutely destroys your unit as a result. However, my general view is that going beyond that is usually ridiculous. If I'm on the hook for all the carpet damage or in some cases have leases that state that by owning a pet, I agree that the carpets will be replaced at my expense when I move out, etc etc, why the gently caress does the building owner care if the cat is declawed? Or as another example I used to see in Pennsylvania and Indiana, "sure you can have dogs, they just have to be surgically debarked." No, gently caress you. Just don't allow dogs if you're going to try to pull that bullshit. I also hate the whole "dangerous breeds" and "large dog" restrictions, but again I see that as a case of dumb, bad owners ruining it for the rest of the dog owners. [/rant from guy who loves his pets] BWM: Having two cats and a dog while being a renter, thus guaranteeing that you have to lie your your landlord no matter where you live because nobody lets you have more than two pets these days. 
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Mar 10, 2017 20:49
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GoGoGadgetChris posted:I have a bias in that I work with the ownership/management side of apartment complexes, but pet rent + pet deposits make a lot of sense because animals smell very strongly like animals and the apartment will smell that way and be worth less money unless it gets a deep, deep clean. Bingo. That dander stays in the carpet and pad, gets in the dust behind appliances, accumulates in furnace filters, etc. For anyone with allergies moving in after, it's miserable if the place hasn't been deep cleaned, besides the smell.
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Mar 10, 2017 20:50
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After signing up for the Wells Fargo dealie to get $250 with minimal work, my cat racked up $200 in vet bills due what turned out to be a stomach ulcer. Loving and caring about your pets is BWM.
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Mar 10, 2017 20:50
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H110Hawk posted:Assuming he also had on jeans and, socks, and shoes this sounds like California tech interview 101. Seriously - I was wondering where this happened that made it notable. This is literally Werner Vogels reInvent keynote outfit like every year, with the t shirt often being something like a hammered old alice in chains concert shirt.
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Mar 10, 2017 20:52
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Spring Heeled Jack posted:
It's true. My big fat Garfield-looking bastard spent a $4,800 week at the spa (24/7 animal hospital) when his pancreas decided to stop working. One week later he was totally back to normal and acting like nothing ever happened. Animals! The vets kept asking me every day "It'll be about another $600-$800 to keep him overnight. Have you thought about euthanasia?"
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Mar 10, 2017 20:53
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Spring Heeled Jack posted:
Fixed
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Mar 10, 2017 21:25
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Motronic posted:Seriously - I was wondering where this happened that made it notable. This is literally Werner Vogels reInvent keynote outfit like every year, with the t shirt often being something like a hammered old alice in chains concert shirt. Literally anywhere other than Silicon Valley or a tech startup is going to notice if you wear an Alice in Chains concert shirt and a blazer to your interview.
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Mar 10, 2017 21:26
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Motronic posted:Seriously - I was wondering where this happened that made it notable. This is literally Werner Vogels reInvent keynote outfit like every year, with the t shirt often being something like a hammered old alice in chains concert shirt. "Zuckerberg wears t-shirts so that means I can wear a t-shirt to an interview  " is the Millennial logic. Maybe I am an old man who yells at clouds but show up to an interview looking nice, at least business casual if the firm is laid back.
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Mar 10, 2017 21:32
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Leon Trotsky 2012 posted:Literally anywhere other than Silicon Valley or a tech startup is going to notice if you wear an Alice in Chains concert shirt and a blazer to your interview. Well, that's my own confirmation bias, since I've spent my entire adult life working in tech startups.
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Mar 10, 2017 21:37
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better to take a joke or two about being overdressed than to go in the other direction; it's very bwm to not wear a suit to an interview
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Mar 10, 2017 21:44
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Speaking of which, I need a new suit, what's a good price point for a multipurpose suit (charcoal so I can wear it on almost any occasion that I'd have to wear a suit to)?
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Mar 10, 2017 21:52
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monster on a stick posted:Speaking of which, I need a new suit, what's a good price point for a multipurpose suit (charcoal so I can wear it on almost any occasion that I'd have to wear a suit to)? If you don't wear it often, then just get a blazer and pants for a little over $100 from a discount outlet during a sale and pair them with any white dress shirt and a tie. People have a weird investment in the idea of expensive suits for special occasions, but nobody is going to give a poo poo at the wedding/funeral and a $10,000 designer suit is not going to give you a major advantage at a job interview vs. a well-fitting $150 blazer and suit pants. Leon Trotsky 2012 fucked around with this message at 22:03 on Mar 10, 2017 |
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Mar 10, 2017 21:57
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Motronic posted:Seriously - I was wondering where this happened that made it notable. This is literally Werner Vogels reInvent keynote outfit like every year, with the t shirt often being something like a hammered old alice in chains concert shirt. Think outside the man in the box
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Mar 10, 2017 21:59
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monster on a stick posted:Speaking of which, I need a new suit, what's a good price point for a multipurpose suit (charcoal so I can wear it on almost any occasion that I'd have to wear a suit to)? 1 months salary, but this price includes shoes. PS this is a joke post
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Mar 10, 2017 22:00
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Suits are up there with engagement rings as far as What's The Correct Amount to Spend. It's probably higher the wealthier you are, some people think they're stupid, and nobody really cares if you've got a $500 or a $50,000 one because they all look pretty similar.
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Mar 10, 2017 22:01
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With the extreme exceptions of fashion folks (obviously) and banking folks.
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Mar 10, 2017 22:04
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monster on a stick posted:Speaking of which, I need a new suit, what's a good price point for a multipurpose suit (charcoal so I can wear it on almost any occasion that I'd have to wear a suit to)? If there's a big department store markdown center near you they can have awesome deals on suits. I found a Ralph Lauren blue label suit for ~$200 about 6 years ago at a Dillard's clearance center.
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Mar 10, 2017 22:06
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canyoneer posted:Think outside the man in the box 
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Mar 10, 2017 22:08
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monster on a stick posted:
Riding horses is great. It can be relaxing to go on a trail ride through the woods, or exciting if you want to do some canters or galloping, and fun in general as you get to steer something like an ATV with a mind and personality of its own. Owning horses is horrible; they're expensive, fragile, huge and dangerous animals and take up a lot of time to care for. There's definitely some kind of stronger attraction to horses for girls and women. If I had to speculate, it's a combination of kids' toys being geared to introduce girls to horses, horses being easier to ride for women, and women culturally being more inclined to bond and work with an animal these days. Anyway I highly encourage people to go on a trail ride sometime, but it's hard to find places that don't do "follow the butt in front of them" - those animals are usually broken and dispirited wretches - and even worse are the starveling ones you see on cruise excursions. Look for a place that advertises "off-trail" riding; even if you never go off trail they'll still have horses that are fun. DarkHorse fucked around with this message at 22:14 on Mar 10, 2017 |
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Mar 10, 2017 22:09
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JUST MAKING CHILI posted:If there's a big department store markdown center near you they can have awesome deals on suits. I found a Ralph Lauren blue label suit for ~$200 about 6 years ago at a Dillard's clearance center. Nordstrom Rack maybe? DarkHorse posted:Anyway I highly encourage people to go on a trail ride sometime, but it's hard to find places that don't do "follow the butt in front of them" - those animals are usually broken and dispirited wretches - and even worse are the starveling ones you see on cruise excursions. Look for a place that advertises "off-trail" riding; even if you never go off trail they'll still have horses that are fun. Horse rentals are GWM, never knew
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Mar 10, 2017 22:15
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monster on a stick posted:Horse rentals are GWM, never knew If flies, floats, fucks, or gallops you're better off renting.
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Mar 10, 2017 22:25
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And here I am buying a horse because renting is throwing money away!
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Mar 10, 2017 23:00
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Guinness posted:If flies, floats, fucks, or gallops you're better off renting. What if it can do all four? I'd want to own that beauty.
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Mar 10, 2017 23:08
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So my husband and I are friends with two other couples. The 1st couple and my husband and I each own rentals. Couple 1 is looking to buy another rental and the wife is a real estate agent. We are selling our house and purchasing a farm and the wife from couple 1 offered to buy our house as their new rental property for about 15k less than what our actual realtor thinks we can sell it for. The price they want to buy it for is what they previously told us was their max budget for a rental. We said no way, but she insists it's a good deal for us because she is generously offering to waive her realtor fees and will rent the house back to us until we can find a farm property.  They are being real pushy about it and I'm probably gonna cut them off if they don't drop it. The husband from the second couple is now insistent that he has to buy a rental now too. They found a duplex for 240k and are doing several BWM things. 1. They are taking out a line of credit for 70k to put a down payment on the rental and replace the windows. The roof needs replacing too but they want to wait on that. 2. The line of credit is at 5% with interest only payments for the time being. 3. One side rents for $1100 and has a current tenant, but the other side is empty and the husband told my husband "the rent from the other side will cover the mortgage so it's okay if we can't get tenants in this one." 4. He installs cable and his wife is a teacher and they are expecting their third baby. Nothing is set in stone yet so I'm going to try to talk him out of it this weekend over some beers. If he really wants a rental there is one near our rental that's a 4-plex for 160k bringing in the same amount of rent as the one he wants, but he doesn't like it cause it's not in the fancy part of town.
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Mar 10, 2017 23:34
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SquirrelFace posted:So my husband and I are friends with two other couples. Dude wants to be a vanity slumlord lol
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Mar 10, 2017 23:39
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SquirrelFace posted:So my husband and I are friends with two other couples. It is super illegal to use a loan as a down payment to qualify for a mortgage and they won't be approved for a mortgage at any bank or credit union. So, don't worry. Leon Trotsky 2012 fucked around with this message at 01:20 on Mar 11, 2017 |
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Mar 11, 2017 01:17
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Leon Trotsky 2012 posted:It is super illegal to use a loan to as a down payment to qualify for a mortgage and they won't be approved for a mortgage at any bank or credit union. So, don't worry. That's what I said! But he apparently told my husband that this was a special kind of loan you could use as down payment... 
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Mar 11, 2017 01:21
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But it's a line of credit on their house. The debt to income and total debt could make approvals rough, but it's not like they have a loan from a family member which is the big no no on the down payment? Do I have that wrong?
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Mar 11, 2017 01:48
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monster on a stick posted:Speaking of which, I need a new suit, what's a good price point for a multipurpose suit (charcoal so I can wear it on almost any occasion that I'd have to wear a suit to)? My first two suits were Joseph A Bank Buy one get ones. Ran about $330 for two with tailoring, one rushed. It got me the job! Three years and 40 lbs. later, had to get another one. K&G, 220 bucks. Got the job again! Gaining weight is bad with money.
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Mar 11, 2017 01:53
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crazypeltast52 posted:But it's a line of credit on their house. The debt to income and total debt could make approvals rough, but it's not like they have a loan from a family member which is the big no no on the down payment? I think that's what it is since the have a bit of equity in their house....still think it's really dumb. Edit: Actually, I think it's highly unlikely they'll get approved since the mortgage on their house and this duplex will be over 50% of their income. That's before you even add in his $600 a month leased truck... SquirrelFace fucked around with this message at 02:10 on Mar 11, 2017 |
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Mar 11, 2017 01:57
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Leon Trotsky 2012 posted:It is super illegal to use a loan as a down payment to qualify for a mortgage and they won't be approved for a mortgage at any bank or credit union. So, don't worry. "Yes, 911? I have this guy standing in my bank trying to use some money he borrowed for a down payment. Can you send a squad car please?" Forging documents and lying could potentially be illegal, but getting a loan for a down payment certainly is not.
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Mar 11, 2017 02:11
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Dustoph posted:"Yes, 911? I have this guy standing in my bank trying to use some money he borrowed for a down payment. Can you send a squad car please?" No bank is going to approve a mortgage with a 70k loan as a down payment. The only way they would is if they misrepresented the source of the income. It is not literally illegal, but the only way their plan would work is if they did something illegal. I was just trying to be snippy in one sentence.
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Mar 11, 2017 02:15
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Leon Trotsky 2012 posted:I was just trying to be snippy in one sentence. Me too 
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Mar 11, 2017 02:22
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Leon Trotsky 2012 posted:No bank is going to approve a mortgage with a 70k loan as a down payment. The only way they would is if they misrepresented the source of the income. It is not literally illegal, but the only way their plan would work is if they did something illegal. Plenty of banks do 80/15 mortgages or even 80/20.
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Mar 11, 2017 02:47
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Lieing to an FDIC insured bank is a federal crime that can be punished by up to 30 years in jail. Federal prosecutors supposedly love it when they are going after politicians for whatever other crime because it is very, very common. If someone ever misrepresented their expected income or borrowed money from family/friends/lobbyists for a down payment or to show they had the necessary cash reserves on hand they can use the severity of the potential punishment and the fact that with access to their bank records how relatively easy to prove guilt is to force a plea bargain. They used it in The Wire and referred to it as "The headshot" but it's apparently a real thing. http://davidsimon.com/kwame-brown-another-federal-case-another-head-shot/
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Mar 11, 2017 02:58
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blackmet posted:My first two suits were Joseph A Bank Buy one get ones. Ran about $330 for two with tailoring, one rushed. It got me the job! If you want a cheap suit that isn't an uncomfortable polyester garbage bag, and have time to wait, J. Crew outlets have decent suits for $200 on sale (called the Thompson suit). High arm holes, 2 button with a moderate button stance, the only thing I can fault them on is the lapels being a little narrow. Most of their sales exclude suits, but a couple times a year they go for half off ~400, down to $200. That's what I did for my wedding. 100% wool with a breathable lining. I wore it for several hours in 85 degrees, I was perfectly comfortable until I started dancing.
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Mar 11, 2017 03:42
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22 Eargesplitten posted:I was perfectly comfortable until I started dancing. I was a guest at his wedding and also was perfectly comfortable until he started dancing.
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Mar 11, 2017 04:04
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Mar 11, 2017 04:06
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Hyrax Attack! posted:Another person dealt with the issue of "owner works for 9 hours a day" by putting the dog in the bathroom and training it to poop in the tub. They seemed proud of themselves for this innovative solution. was it a great dane? i also worked with this person
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Mar 11, 2017 04:12
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I didn't even think you could get cash from HELOCs any more. I only briefly looked at them and my credit union required approval of whatever you put the money into improving on the house.
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Mar 11, 2017 05:35
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