A PSA: If you think your "privacy glass" is truly private ...
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8 years ago
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dedtired
8 years agodaisychain Zn3b
8 years agoRelated Discussions
Beware of anyone emailing you privately for Morning Glory Seeds!
Comments (150)Interesting individual. I read a bunch at the top of this thread and then gave up, so I haven't read the more recent postings. One thought that kept popping up in my head is that she probably is sick--clinically mentally ill. Perhaps with addictions issues on top of that (self-medicating perhaps?). Some of you posted quotes from her. The ones where she is responding to direct confrontation sound a lot like someone who is mentally ill. If that is the case, then she probably can't help what she's doing (at least not without mental health treatment and her own committment to deal with her illness). It would also account for the fact that her behavior is completely illogical (plant the damn things--you'll never have to beg seed again!). I find, when dealing with someone who is seriously mentally ill, that one of the most therapeutic ways of dealing with them is to remain calm, non-judgemental, and set CLEAR, CONSISTENT boundaries. So the blunt messages people have sent her telling her they will not trade with her under any circumstances are actually a good thing! This is sounding preach-y---NOT what I meant. I really want to say to everyone out there who has posted, thanks for protecting the rest of us! If she's really ill, then she probably won't go away, but at least we have the good souls on GardenWeb looking out for us and spreading the word! Diana Lynn PS--Could this post be kept near the top of the Seed Exchange page as a sort of permanent alert? Would that be appropriate?...See MoreThink you are building equity...HA! Think again!
Comments (31)Just to clarify: The entire value for your land, let alone your house, is what someone will pay for it. For insurance valuation you can look at replacement cost because it's about what you've lost that you can buy again at a store. As soon as you start using your stuff its individual market value (that is, what you could sell it on Craig's List for) goes down. That's why insurance for replacement value costs so much more than insurance for real value. The concept, if you sue someone for destroying your stuff, is to make you whole for what it's worth at the time it's destroyed. You might be able to argue that the durability of granite is such that it doesn't depreciate, but your appliances sure do! That's why people want to be insured to be able to replace what they lost as if it were new. No one wants to replace a fridge that was new out of the box two years ago with a two year old one on Craig's List that's been in someone else's house holding someone else's food, even though, technically, you already used up the first two years' worth of of value, and only lost a two year old, used fridge. For security against your loan, you're looking at market sale value only. The appraisal is what someone who really understands the market thinks you can reasonably get for it. It's more art than science, and the only way to know for sure is to actually sell. Since, of course, you don't want to sell, the trick might be to find an independent appraiser who thinks that your opinion about jalousies being not charming matches that of potential buyers for your house, and that seeing that they're gone will induce them to pay more for your place. The disintegrating and dangerous stuff you mentioned doesn't necessarily mean someone will pay more for the exact same house with those things fixed. It may be that there's a higher demand for a fixer "that we can put our own personalities into" than a place that's been fixed up already. Maybe there are 10 houses on the market with similar lots, houses, etc., 2 like your was, 5 with less destruction, but still ugly old tiles and jalousies, and 3 like yours improved with nice windows and no maintenance issues. If the ones like yours are priced at 20-30% more, do the buyers just choose the 5 in the middle? Do they actually pay less for the two at the bottom? Or does it turn out that they all sell for within $5K of each other? That's what the appraisers check. One of the two at the bottom might be at the top of that range, too, because it has a really cool tree, and one of the best three might go for the least because no one likes the granite in the kitchen. And that's how they get an average price for what your house is worth based on everything remotely like it, not just the ones that have had the maintenance and upgrades. Why do they sell the loans that way? So you'll buy them!!! They're into it for making money off of you, not to do you a favor. Banks are remarkably cold blooded institutions, and credit unions only seem nicer. Underneath they're just as cold blooded....See MorePrivacy glass for bathroom window
Comments (24)Has anyone used the Solyx Safety Film? Their web site says it replaces the need for tempered glass. The reason I'm asking is that I'm remodeling the upstairs hall bathroom and live in a tough inspection township. When they came to look at the rough in, they said I need to replace the bottom pane of my double hung window, which is behind a toilet, with either tempered glass or 3M safely film. The window is within 60" from the side of the bathtub. (Of course, if you fell out of the tub you'd have to also clear the toilet somehow.) I can't find any specifications for the Solyx and I know the inspector is going to insist on verifying it's as good as the 3M....See Moredo you think you're expendable?
Comments (39)Normal retirement age is raised to reduce costs. It's a tactic used with public and private pensions programs alike, both for workers as well as the governmental ones that cover the general population. US Social Security rules allow recipients to begin monthly payments up to 4 years before normal retirement age. Or up to 4 years late. Monthly payments are actuarially adjusted to be equivalent as among the different choices for anyone living to the mid-70s. If you're certain you'll live longer or die younger than the life expectancy age used in the calcs, then other choices than normal retirement age may be indicated. But, of course, no one knows. In any event, Social Security does not provide adequate means to cover living expense for many recipients. Even at the low levels of payments, the annual commitment is huge in the federal budget and not honestly affordable or sustainable at current levels. Anyone have a solution to offer?...See MoreUser
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