Online plans, catchy names, no wonder they sell.!
Love stone homes
7 years ago
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Architect said buying online plans useless..need to be redrawn??
Comments (36)Ok let's talk about codes. I have found the CABO/ICC building codes to cover the critical design elements of a house very well with only a few exceptions because the minimum is often the optimum for such a lightly loaded short structure. If you designed joists using the formulas you were taught in school they would be the same as you would get using the code tables except in borderline cases the code always rounds upward and doesn't adjust for poorly graded lumber, etc. The IRC requires LVL's and I-joists to be designed by an engineer but in Maine the state law allows a builder to do that if he/she submits the manufacturer's sizing tables and the loading conditions with the drawings for the building permit. The state law was changed to exempt a builder from the prohibition of practicing engineering for a house in 07, so you can imagine what an architect's license means in Maine. I don't think Vermont even has a residential building code yet and there are other states that are similar or where the code is adopted or not adopted by each county and enforcement is not consistent due to lack of staff. Anyway, the biggest deficiency to the codes that I know of is the flexibility of floor joists. The deflection limit at maximum loading is intended to prevent ceiling plaster from cracking and is not very helpful. Many long span joists are legal but excessively bouncy and there are no simple rules of thumb that eliminate this problem. I tried to write one and a week later I couldn't understand it. Unfortunately bridging and blocking have been found to do little to stiffen typical joist sizes. I also find the ICC foundation section to be inadequate but the code allows the option to use ACI318 which is an excellent standard and design guide but any code standard must be limited to a maximum amount of unbalanced fill; an engineer would be needed to design a cantilevered retaining wall. The code deals with typical regional wind and snow loads pretty well but not high wind, drifted snow and earthquake loads. At any rate, I won't design anything without an engineer involved even if he isn't required to stamp the drawings. I like his insurance policy a lot. I think a contractor could use the building code as a defense in court but it would be of less use for a licensed design professional. For me the medical analogies are interesting but not realistic. It is still acceptable in certain parts of the US to build your own house without any oversight or control by anyone (except possibly the local electric coo-op) and this idea is considered a right to many. I think the practice of medicine has advanced considerably farther than the house building industry....See MoreGood basic financial planning article (on-line link)
Comments (3)Sorry for the length of this: It's half-amusing, half-offensive to be accused of shilling for anyone, since Im as self-taught as one can possibly be. Dreamgarden seems to have ignored all my many posts on other threads over the years. So let me restate my (lack of) credentials to reassure you that I have no vested interest in whether anyone ever uses a planner, advisor, broker, or banker. Havent earned a penny from anyone since 2006 when I retired and the last time I met my ex-boss for lunch, I bought HIM lunch, LOL. For the record, most of my friends and all of my family are like DH & me - we don't have enough liquid assets to be of interest to most financial planners. I have free access to CFPs thru DHs retirement portfolio, but I dont need them. Why? Because I enjoy finance and investing the same way I enjoy reading history, science, and mystery novels IOW, for the sheer fun of it. I read extensively Ive had a subscription to the on-line WSJournal since it was first offered, and read it every day plus I clip articles obsessively from a variety of websites. But I would NEVER assume that others want to spend their time the same way. Old Joyful, for instance, likes to invest in individual stocks. He and I had a recent discussion thread about this. I have no interest in anything but mutual funds. Individual stocks dont fit into our tax and financial situation. I have the healthiest respect for his knowledge and acumen, but the fact remains, he lives in Canada and I live in the US. My financial planning is going to be very different than his, just as my goals are different. I know from our own experience how hard it is to sit down and do estate planning. We dont have much of an estate compared to many, yet it took us decades to learn to identify the things we needed to do, so we could finally do the things we wanted to do. Ignorance is most certainly NOT bliss, as we, and so many others, have discovered! I am a firm believer that we should be teaching some of this stuff in school. The world has changed rapidly and drastically, and us middle-class Boomers are stuck trying to figure out a world so much more dangerous than our parents grew up with. If you read my post more carefully, you would see that I wrote that even cheapie (e.g., simple) plans can at least provide a starting point. I do my own planning, using the WSJournal calculators (a subset of which are available on Schwabs website, or so Ive been told). Ive tried others on the web, but wasnt satisfied as they cant be altered to fit our own unusual circumstances. If a simple planning software can help someone, all to the good. I havent found them very helpful, but that doesnt mean I call them all garbage. WSJs toolset comes closest to allowing me to set the appropriate parameters, without having to pay someone to do a plan for us. Why should I pay, when I have the knowledge to do it myself? Its not hard, it just takes some effort and decision-making. THIS is what a planner is for: to help you (if you cant do it yourself) quantify where you are right now, and where you want to be. This is related to investing, but investing is only a very modest part of it. Its the planning process thats critical, yet not well understood. YOU must do the decision-making. No software program or customized plan means anything if you cant accept the reality of what your current circumstances are, and are willing to work at reaching your goals. I recently talked a young family member out of seeing a planner because I was able to help her identify some long-term goals. She also needed some very basic help diversifying her portfolio. In a decade or so they should probably meet with a planner to ensure theyre on track for whatever their goals are at that time. But until then I told her there was no reason to consult with anyone unless a life-changing event occurs. Its more important for her to have all legal docs in order, at this stage of life. I learned a lot from my ex-boss "G", but I have never referred anyone to him. The people I know who have enough money for financial advisors, already have them. The one time I was emailed off-line to ask for an intro, I refused to do so as the specific circumstances of that person made it inappropriate, in my view. "G" is semi-retired, but stays in the business because he loves working with people. He does a lot of pro bono work and is both well known and respected here as he's been active in professional organizations for over 30 yrs now. He trains his office staff not so much on what to do, but what NOT to do. He is ethical and very, very precise about working for the good of his clients, which is why he has many families who are second- and third-generation clients. BTW, Madoffs clients should have known something was "funny" just in the fact he had them writing out checks to his name. Thats a definite no-no the assets should always be held by a third-party institution. The woman (also a CFP) who works in "Gs" office and produces the financial plans is a former elder care specialist who got into the financial side late in life. These customized plans cost a minimum of $4K and range up to $10K. They are certainly NOT for everyone, but when appropriate, can make a huge difference in someone's life. Most people dont need them, but the ones who do, need them a great deal! I worked with some of those clients, and their lives were definitely better for having gotten a good financial plan and then executed it properly. Actually, now that I think of it I did refer someone to my ex-boss. I told my DH that if I die before he does, he's to sell the house (I maintain it and the garden in addition to all the finances; he has no interest in such things), take the insurance proceeds, and bring the money to "G" to handle. You did not have a good advisor. Thats not your fault. Its hard to evaluate credentials when youre on that steep learning curve. But a good advisor isnt looking for the next hot thing for you a good advisor helps you identify your goals and gives you a roadmap on how to get from where you are to where you want to be. A good advisor says "no" to you almost as often as s/he says "yes." Its important, but difficult, to learn how to differentiate the good from the bad. The more educated we are in this area, the better we can tell who can help us and who cannot. Id liken financial planning/investing to painting a room. You can do it the sloppy easy way. You can do a "sorta-kinda" okay paintjob, shoving the furniture out the way and covering it. Or, you can do more extensive prep work: masking the moldings, laying dropcloths, priming and using two coats. You can use cheap paint and cheap brushes. You can use top quality paint and the best brushes or rollers. Its always your choice. Each method gets the job done, to varying levels of satisfaction, cost, time expended, and durability. Saying that **ALL** CFPs are worthless is like saying all professional painters are worthless. Some are, and some arent. Some people need one all the time/every time, and some only need one on occasion. It isnt for me OR for you to make that unilateral judgment. Using a pro for anything is always an individual decision that should never be taken lightly. Nor should that decision be disparaged, once made. Often a pro does do a better job than an amateur can. Sure, a talented amateur can sometimes better a pro but they need the talent, the interest, the skill, and the time. Not everyone has those in equal measure. To expect it of every person is unrealistic and unfair. I feel fortunate to have had the generous and thoughtful assistance of others in my life. Weve had some serious setbacks that could easily have turned out badly, but in the end everything worked out (so far at least!). If I can help others avoid some of the mistakes we've made, then I feel its worth the effort. We did okay (my ROI over 25 yrs is way better than average), but perhaps we could have done better if we hadnt been so ignorant for so long. We were at times the recipients of sheer dumb luck, but thats something one shouldnt be counting on to happen. Dreamgarden, may you have better luck in the future finding people or resources able to help you....See MoreAnyone Here Sell Online - Question
Comments (28)Yes, Alisande, cause you're expecting to make some decent money on your book. I would pay taxes too. But if you sold 10 books, would you pay declare that? If someone wrote a book and sold only ten copies, I would assume the book was self-published. In that case, the author laid out a sum of money to the vanity press, and it's highly unlikely the sale of ten copies would have covered the cost of printing, much less made a profit. Isn't profit what it's all about? If we sell a share of stock for less than we paid for it, that represents a capital loss. Too bad we can't do this with garage sale items. :-) Jasdip, I'm not disagreeing with you. In fact, I think you summed it up well in your first post when you mentioned people whose sales represent "a sole or large part of their income."...See MoreSelling Quilts Online -- what's your ideal?
Comments (4)1) are you a quilter? do you know anything about quilting? I'm a new quilter; just finished my first quilt top last month. It's my newest obsession and I love it. Programming is my other obsession, so it would be fun to meld the two :) 2) what's in this for you? are you going to make a commission on any sale? will you be charging members to list their items for sale? I'd probably have to charge a nominal fee to cover my web-hosting costs. Part of why I'm asking questions is that I'd want to know what people thought was fair -- an upfront fee? A small percentage of the final sale price? I wouldn't do both, just one or the other, so my question would be, what would you, as a seller, consider the most fair way to do it, and how much would you think is acceptable? 3) will there be a set time limit of how long an item can be listed? will there be a charge for relisting an item? Nope for the first one. And the second one is moot, since listings wouldn't expire, so no need to relist. My only concern about letting listings not expire is that people may sell things through other venues, and then forget to remove it from my site -- so I'd probably have something in place where if the item has not sold after say, 3 months? 6 months? then the seller has to take some sort of action to make it stay active (like, click a button to renew the listing for another 3 months). If they don't, it becomes "archived" (no longer searchable), but the seller can come back and unarchive it at any time. 4) how many images per item will be allowed? I imagine I'd make it unlimited. 5) will you offer different methods of payment? I'd probably have to leave payment up to the seller; I would have ways for them to indicate which payment methods they'll accept, but I don't want to personally be dealing with payment between buyer/seller. The site's intended to be more like a...quilting classifieds that brings together sellers and buyers, rather than a "click here and buy it now" kind of thing. Doing the latter would require more legal involvement than I'm interested in dealing with -- I'm one person, not a company. 6) will there be separate areas for new quilts and antique quilts? Yes. 7) how would you handle listings for cheap, foreign-made quilts? Having never bought or sold a quilt myself, I wasn't aware of this being a problem. Do you have any suggestions yourself on how to handle this? My preference would be to keep such listings out altogether -- mass-produced quilts isn't really what the site is intended for. I could probably limit the IP addresses of people selling to only those within the US & Canada, although I'm sure the foreign sellers would find ways around that... Excellent questions, Teresa. If you have anymore or have comments on what I've said above, please throw them at me....See MoreLove stone homes
7 years agoVirgil Carter Fine Art
7 years agolast modified: 7 years agoLove stone homes thanked Virgil Carter Fine ArtLove stone homes
7 years agolast modified: 7 years agoLove stone homes
7 years agonirvanaav
7 years agolast modified: 7 years ago
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