LJ

I carry this. I really like it

https://www.tpkgolf.com/Back-Saver-Color-Wallets-p/tpk060.htm

Get your own FFL.

 

https://rocketffl.com/

BATFE gets really upset if your only transfers are for yourself. Pretty sure it's actually considered misuse

Sorry, yes it would be an overseed and the back yard needs to be leveled big time. I think I may go with the tall fescue blend for a more durable lawn during the summer. The problem is that the previous owner did zero lawn care and let her dogs fuck up the yard for years. The plus was we got the home for a good price and she wasn't horrible to negotiate with. The backyard went from a step above section 8 to ehhh, now I want it to be a show piece for the next owner.

 

Thanks for the tip of rural king and Ohio Mulch. I can have Ohio Mulch or Kurtz brothers bulk deliver soil and go with Rural King for seed.

Slinger Jones is the only way to go for Topsoil if you can get the truck in there

Paging dr Rick................

The idiot who thought that vaccines were injected into the bloodstream LOL

I had a relative sell a house and basically report "nope never had water in the basement" on the disclosure, when they had in fact had it flood several times.

 

Within a year or two of selling it, the basement flooded for the new owner. After some time in court, said relative did end up paying for the cleanup and the bulk of the repairs. So it does happen, but reading here this case likely falls under the "patent" defect category.

They probably cleaned the basement and painted the walls and so on where they actively attempted to defraud the buyers.

The case that is cited a lot is where the sellers put drywall up throughout parts of the unfinished basement. Come to find out they were covering up active leaks and there were previous pictures showing that the basement had no drywall.

The other really fun case law out there is where the seller did really really shitty repairs to a wall and roof and it rotted out the entire side of a house. He put on the disclosure that it had leaked and the repairs he did to the roof and wall. The buyers lost that case

Lots of good information in here, lots of wrong information.

 

1) Inspectors are not liable. Plain and simple- you don't even need to be licensed in Ohio to inspect (until this year...they must be licensed by end of 2019 now).

 

2) If the damage is what's called "latant", it means it's unreasonable for anyone, including the homeowner, to know about the problem. This means an inspector, the buyer or seller, agents, etc., had no idea. You're fucked if that's the case.

 

3) If the damage is so noticeable that everyone in their right mind should have caught it, it's called a "patent" defect, and must be disclosed on the RPD (Residential Property Disclosure). If they didn't, that could be a violation of not only the seller, but also the agent. You may have a case if this is what happened. However, the argument will be made that the buyer walked the property and signed off on their final inspection, so if it was patent, how did they not see it?

 

Personally, I think this person is fucked. It's more of an ethics thing vs. legal...as a flipper, I fix things the right way, 100%, no exceptions. It has cost me tens of thousands of dollars to do that over time, but I never want to be known as someone who doesn't do things the right way. I know of some REALLY shady flipping going on. Like, dangerous stuff. I've reported it but most of the time BZS and such don't care.

 

Example: I know of a house where it was leaning over more than 6" to the left. Instead of fixing the foundation, the flipper built an entirely new exterior wall and new "foundation" to cover it up. It appears level on the outside, but behind the faux wall, it's the leaning tower of Olde Towne East.

Have you ever read the cited Ohio case law for these situations? It's actually really interesting. Ohio actually has no law for the seller filling out a disclosure in bad faith, it has to be proven that they were attempting to defraud the buyer, which is what makes the case law so damn interesting

It was supposedly a house someone flipped. They don’t think they ever lived in it.

Ohio has no exemption for flippers. If they opened walls for the flip, they definitely knew.

Yeah, they're putting more warehouses over behind Kroger/Home Depot too and there's a ton of apartments and housing developments going up soon. Also, that damn hotel between Aldi and 5/3 is even stupider. It is going to look so out of place and it's totally not needed.

The city has actually been the opposite on housing developments. They made some demands to Westport on a new community that they were trying to build that had opposition all the way up to the National Association of Home Builders national level. They are trying to implement some design standards that are just not doable on any level that wouldn't just slow housing, but actually stop it.

Even with consolidation, interest, and my scholarships... the grand total was around $176,000. The worst was the government loans. they started at $62k and then with interest they grew to $92k.

 

I will be paying this shit back with reduced payments until im ~50 or so.

 

The price of a B.A. by friend!

Damn, that's what my wife paid for a DVM

Didn’t you recently move to CW?

Yeah, been here almost 1 year. The development proposal is ridiculous. You can't run logistics from that spot. It will be a nightmare.

So I'm curious: How stressful is it to deal with renters / morons / people breaking shit, etc.? My father did that when he was my age / younger and he always had a hell of time with it. He advised me never to do it. I personally enjoy the stress free life of just sitting on my money in the aggressive funds I manage while making an average of 13+%, compare to say 20% and dealing with renters...

It can be a pain in the ass, or it can be nothing but sitting back and collecting checks. 2 or 3 units will be nothing more than a few weekends per year, as long as all your mechanicals are in good shape. Small tricks like leaving a bunch of clean furnace filters and such goes a long way to keeping your property in good shape.

Put it in a CD until a really good investment deal came along. Just opened a new CD at Ally, 12 months at 2.75%.

 

Honestly I’d probably play harder in the stock market with options, but that’s all I’ve been studying lately and isn’t for very many people.

Vanguard Prime Money Market is liquid and paying 2.5%

A majority of plan owners do it with the intent to send their kids to a traditional 4 year college though...

Most, like myself, do it with the intent of their children using it for further education. Kids are more likely to do some type of post secondary education if they have any type of financial support. A 529 is not set up or intended to exclusively push kids into a 4 year college.

Nice comments. Maybe learn wtf you are talking about next time. 529s are not just for 4 year college.

Your 529 account can cover qualified costs at community colleges, technical, art or music schools, or vocational schools.

Seems fine as always. We only ever had deductions for kid, daycare, and loan interest...all of which are always capped pointlessly low.

 

We actually filed separately this year so to lower the Mrs' income-driven student loan payments. Banking on the couple-thousand-dollar loss in return, in favor of substantially lower monthly payments (because fuck $730/month on one loan)

 

We will still get back a few grand anyway.

We used to file seperate to get lower payments on my wife's IBR. We switched to the REPAYE and her payments are only $80 more per month, and we get to file a joint return, which in the end we save a few thousand per year.

Weather.com saying 2-6" for Canal Winchester

Accuweather 3-6"

Wunderground 3-5"

Watched the weather channel last night and came to the following conclusion: There's a 100% chance they have no idea what will happen.

Yep. Still not sure. I see 2-9" right now across different services