Relief! Offer excepted just in the nick of time.
simplifyingmylife
8 years ago
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cearbhaill (zone 6b Eastern Kentucky)
8 years agoRelated Discussions
One time offer!! Cuttings for Newbies who post regularly only!
Comments (112)Everyone, you're welcome!! Glad you like the selection! Happy you are all happy with your cuttings. Good luck with all of them this winter. Many had a good start to rooting. Aboout the break-in- Our alarm was not on in our office! Duh!! Mostly the robbery just made everyone paranoid. My husband is still locking all our doors at home- a first for us, living out in the country with six noisy dogs to scare off strangers. Not too much lost but always brings a feeling of violation. This is a first for us in 12 years there and we are not in a good neighborhood, so we have been fortunate. BTW, the alarm is always on now when we leave! We have not caught the bums but that is probably what they are, bums, excuse me, not being PC here, homeless people, in the area. Thanks for all your support and concern. Well, I just dug a bunch of my brugs, with the help of my grandson, Nathan. I'm leaving Adeline to bloom, since I only had two so far, and she had 12 buds on her- getting some color today. I dug up Lucero- he is scalped!! I will post a photo later. Back to work! Brenda...See MoreJust because you pay your bills on time.....
Comments (23)I used to work in a bank; I ran credit reports daily, we looked at people's credit and scored it on our own system to determine their rates of loans etc we used to get two of the score then compute them with ours. Anyway, I learned a lot about credit reports. Here are things that affect your score: 1) too many open accounts. (it's a risk that you'll go off the deep end and start spending wildly or that you could be a victim of fraud) 2) address continually changes. Nobody looks at that but unless you're military, ability for creditors to contact you makes it difficult (part of my job was repossessing cars and also skip tracing people) 3) too many inquires on your credit. It's a red flag to creditors who think you are out to do a lot of stuff and about to become over burdened in debt you can't repay. So don't let every car dealer and dept store see if you're eligible etc for this or that deal. 4) too much credit card debt. What it is, is a balancing act. A good credit report will have say a mortgage, maybe a car and maybe one or two credit cards; if you have too much revolving debt, that's not good. 5) income to credit ratio should be balanced. In other words, if you make 20k a year, you should not have a very large amount of credit open to you (or debt to income ratio either) 6) charge off accounts. If you've not paid something and it goes into charge off status, you can bank on the creditor reopening your case and calling you just before the statute of limitations runs out. I HATE to say this publicly but I'm going to share a secret with you; do NOT pay it. Once you agree to pay back the debt, it goes back to open status and will remain on your credit report, for as long as it takes to pay if plus they can possibly (for a while anyway) see it was a charge off or delinquent. It's far better to NOT start payments again. 7) paying late - really, creditors will not judge you for a payment or two late. It shows up on there but they all know stuff happens. It's chronic lateness that's the problem. It's also 30-90 days overdue. We used to contact people at the 15 day past due mark to remind them and I used to give interest only extensions so they didn't go into 30 day and get reported to the credit bureau. So if you are late and can't pay, call the credit and arrange for interest only extension. You'll pay basically one month's interest extra and extend your loan an extra month. I hope that helps people. Oh and the longer you have credit but don't use it, the better. New credit is bad. And do NOT take out credit cards to save 10-20% one time. They have high interest rates, it's new credit, it's revolving, and it's a new inquiry... ding, ding, ding, ding... all bad....See Moreinside … in the nick of time
Comments (2)Oh my. I left zone 7-8 for where I am now. No way I could take that! I like to think I'm fairly resilient, but cold has always hurt me. I remember standing waiting for the school bus as a child. All of the other kids would be standing there just fine, and my teeth would be chattering, and I would have terrible shivers....See More2 Cash offers fell through before inspections! Time for a new agent?
Comments (17)I've bought and sold homes in 5 states, including New York State. Without a doubt, New York is the hardest to deal with because of the way the property goes to contract. Lawyers slow the process down, make trouble and cost more money. But, they have a lobby in Albany and this is the way you have to proceed. I've also fired a agent in New York for failing to control access to my property and not dealing with the situation. I understand your frustration. The agent I fired was a good agent, but the situation was spiraling out of control. The new agent dealt with the situation, changed the marketing effort and brought me a real buyer within two weeks. I do believe that the set up in New York encourages poor behavior by buyers and excessive delays. Luci had the double whammy of selling a property in an area where the sales are mostly discretionary. Buyer's don't need this property, they just want it. That makes for some flighty behavior. And, it takes longer to sell. She is correct to ask the question, but I think in this case the agent ran into bad luck. The agent cannot get the contract expedited if the buyer's attorney doesn't get off their backside and present the contract. Remember, the seller's attorney has to review, edit and return it to the buyer's attorney before it can be signed. This is just to put it under contract. We haven't gotten to the closing table, yet. You ran into bad luck. You need to instruct the agent to present all offers to you, but they need to vet the buyer. The property has not been removed from the market, so you haven't been harmed. There has not been an inspection because you never got that far. It's not as if there is a known negative condition. The way I sold my property was to show the house myself. I told the buyer's agent that there was a pending offer but no signed contract. That if these people wanted this house to pay me $1,000 over asking and it would be their house. It was sweet to tell the other pain in the backside buyer to hit the road. I was tired of their games. Here is what I would do. Examine the listing in the multi-listing service for errors, bad pictures and make sure the listing language is appropriate. Check the online listings and make sure they look great. And, tell your agent to be aggressive in vetting the buyer. Tell the agent that you need more status communication from her in the future. What you have gotten to date is insufficient. Towards the end of the listing agreement, reassess your agents activity and effectiveness. You may want to change. At this point, give her the benefit of the doubt....See More3katz4me
8 years agolast modified: 8 years agoSuzi AKA DesertDance So CA Zone 9b
8 years agosimplifyingmylife thanked Suzi AKA DesertDance So CA Zone 9bsimplifyingmylife
8 years agohandmethathammer
8 years agosimplifyingmylife
8 years ago
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