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What is an expected time frame for a house appraisal through the mortgage lender? I paid for the appraisal on Friday. As of today my agent sent me an email asking if I had paid because no one has contacted my agent or the sellers agent to enter the property to do an appraisal. Basically how long...

I guess I expect an email or call back with an answer to a question within 48 hours. In my retail business I talk with plenty of people each day through the phone and email and have to respond by the end of the day. Typically here, they say they'll have an answer by end of business. After...

So my person of contact was sick for an entire week, 2 weeks ago. This last week, she took Friday off. I'm enraged because I know that all this time off is delaying my loan process. They ask for something, I get it, then call back up in the morning, and guess what they are gone until Monday...

Yeah, I guess so. I just think that paying myself out 3k, is such a low amount that its not worth verifying. The schedule K1 shows that I should have paid myself out 16k instead of only 3k. Thus I chose to leave 13k in the business to further the business.

My rates today were lower than yesterday. Also it looks like I need to wait till the 24th as that'll be the 30 days till my close. And for more bs. I have to get a letter from my accountant on letterhead saying that the profits I paid myself out at the end of the year, were not at the...

After talking with the lender. All of the 10k has to be spent towards closing costs. Also I won't be locking in a rate for another 5 days or so since my close date is April 24th and the rate lock only lasts 30 days.

Yeah, I've got a call in with the lender. It's actually 10k now as we got 3k more off for the minor fixes. Old guy was stonewalling on the actual selling price. Or at least maybe his realtor was. Now I'm waiting for the answer before I lock in my loan rate. It seems like rates went down by a...

So lets say seller is paying 7k closing costs. What happens if my closing costs were only 5k? The extra 2k would it towards the down payment money I owe? I'm basically looking at rates I can lock in and some of them would leave money left over.

Home inspection went well. All minor things found that most of them I feel I could fix myself. Knowing that, I'm wondering how much I should try to negotiate. With 319k being the purchase price and seller paying 7k towards closing costs. If the seller was to stonewall us, we'd just take the...

I hope I'm not making the same mistake by overbuying. Fell in love with a place that was higher than what we had been looking at. $320k basically. Our payments will be roughly $1950 with our income that hits our account after taxes being. $4500.Gross income is something like $5700 or something...

If your goal is to travel a bunch, get a job that does that. I have two fellow fish friends who travel a bunch. One of them is a flight attendant. Flies anywhere he wants whenever he wants. Another one works for the bill and melinda gates foundation, always traveling doing humanitarian work...

The problem is you're trying to maintain a lifestyle. You can't be a farmer, and jet set around the world. You may love being a farmer, but it won't put out that kind of money. I own my own fish store, because it is what I wanted to do. I could easily make more money working for someone else...

By the way, it's pretty agonizing waiting to hear back if an offer has been accepted. I keep wondering what they're going to counter etc.

Well in theory both of the lenders I'm working with currently are local. The second lender I can get on the phone.. first one, left a voicemail 5.5 hours ago, no callback yet.

the pre-approval letter just takes what you give them. So if you tell them I have good credit, make 10 million dollars a month and have 0 debt. Their system spits out that you qualify for any home you want with the best rate! and then says subject to actual verification etc. The pre...

This is how I feel also, but everyone wants to wine and dine me on the phone, and drag this shit out. I basically start with, give me the link to fill in all the numbers, and the link to the portal to upload everything. Because I'm self employed, I have to submit infinite documentation. It seems...

Putting an offer in on a house tomorrow. I've had my general contractor and plumber out to check it out, checks out awesome. I have my electrician checking it out on Friday. Once they accept the offer I'll order up the home inspection and pest inspection. The only thing that I'm having...

Heading out today to look at another 7 homes. Being in the game for almost 2 weeks now. Everything is going quick and causing a frenzy. A house I was really interested hit, early in the day, and by the time I got out of the shop at 8pm, had mutiple offers already and they were no longer...

What am I looking for in a Realtor? Seems like the minute anyone hears I'm house shopping they have "the best Realtor" that I have to use. From what I can tell, basically the Realtor is going to pull the MLS listing sheets I want, then show me the houses, then submit the offers I want to put in...

Thats a good point about, maybe not purchasing for another 6+ months anyways, as yes we are just going to start touring like this week. I have considered the 15 yr option as well. I tend to be ultra conservative. I'm afraid of say my wife losing her job and having a problem paying the mortgage...

I would love to avoid PMI, it's definitely a jimmies rustler. Typically with any other purchase in my life, I would just wait and buy later. That being said, everyone one I've talked too and research estimates that the interest rate is going to go up. I could likely come up with a 20% down...

Been busy as it's the busy season for me. Missed my goal for the year of doing 300k. My first year open, which was only 8 months was 142k. This year we did 287k in sales. Which after paying myself a salary, paid out roughly 16k in profits. As most 1 time costs are over, I think the profits...

Corndog buys a house thread? Anyways, had my first meeting to get a pre-approval letter this morning. Apparently we won't get the actual terms for a few more days. What I am wondering is this. How can I find out the best possible scenario for a first time mortgage loan. What I'm getting...

You can reply to a yelp rating, but it doesn't change the rating and people are fickle. There is no down voting on yelp, you could praise the review. But in reality someone can post that I grind up puppy mill dogs and turn them into fish food and feed them to the fish, and it'll be there for...

I've discussed this with some people, and done lots of research. Adding another theme to my store, will open up my cutomer base to new people. I could bring in African Cichlid people or saltwater people etc. I'm fearful, that expanding into other arenas will make us like every other store. I...

Yeah shouldn't be too hard to track me down reallyThanks for the compliment.

Been going well. Just been full busy lately. Had an incredibly long summer here which hurt sales. Gonna miss my 300k in sales goal by about 20k it looks like because of it. I seriously don't remember a summer ever as nice.

he nailed the chair costume.

I feel like this would have served me way better than the comp classes I took. Being Pascal, C++ and A+ certification class. All of those I use absolutely 0 of today. I do use excel, word, photoshop etc on a DAILY basis. Hell I'd argue that keyboard class was better. I took it as an elective...

Sure do.

Yelp is bullshit. I've got 17 reviews, 2 one stars and 15 5 stars, and 26 filtered reviews. I've traced the two bad ones back to competitor stores and they do nothing about it. Yelp does call me up monthly though saying that if I was to advertise that my reviews would get better as I'd get more...

This right there is going to be your hardest selling point. Doubling your workload when you already don't work 40 hours on a salary paid job. How many hours a week is your boss putting in? If it's more, you're gonna be out of luck. No one wants to hear the guy who is working less than everyone...

Have you considered some kind of profit sharing for raises? Incentive for them them to work fast/harder etc? Give out shares based on years worked. Etc. Say you put into employee pool 5% of profits. Lets say it's 500k profits at end of year. That'd be 25k split up between the shares. If you have...

For something large I only go acrylic as the failure rate is nearly 0. I work with Clear Fabricators Inc for all large tanks. If you're looking for the best that is who I would work with. He ships tanks out all around the country and every aspect of his tanks are custom. I read too much into...

Here are some pics of the steel stand for the latest tank built for the shop. Also a shot of the puffer who gets to live in it. And a one last one for anyone who is into rarer large fish. Albino Arowana growing out

1. I'd source your nearest Local mom and pop shop. And ask for quotes. Then PM here and I can make sure they're not taking advantage of you. In terms of best bang for buck. Probably just an Aqueon 125 gallon is it. Price really goes up after that. Infact I'll just list my every day prices on...

Still alive, just busy building an empire :P Waiting for a plane to fly home. When I get back, time to ship stuff out to online customers, and continue construction on the expansion. Electrician has been working while I was out of town.

I found in my business. When my price needs to go up. If I was at a whole dollar say $2 for a fish. Any price besides that means the price went up. I literally started my business with only whole numbers. But now I do .99 because people are dumb. All day long a fish that is $9.99 is $9 not $10...

What about Two payments of $585? or 1187.43 tax included. I'm always worried when things end too even my customers are thinking I just came up with that number. I'd much rather have a number be $103.59 Than $100. Round numbers without .99 signify brand superiority. High end women's purses are...

I have an S corp LLC and I pay myself a paycheck and still pay taxes etc just like my employees have to. From what I'm told you have to pay yourself a "comparable wage" through the company, then everything after that is passed through.