Profile picture for Dan

Dan

Advice

  • (4847 Contributions,
  • 63 Best Answers,
  • 3053 Helpful)

Contributions are sorted newest to oldest.

Dunes Tavern & Conspiracy Center

Response

Mack, I learned a lot from those who dealt with real estate. Some were real estate salesmen (maybe realtor, maybe not), some worked in town offices. When you talk to the town (or city) code enforcement officer (and those in other positions) you can find out a lot of problems that arrive regarding real estate. Most realtors learn how to sell real estate. They learn about some problems that can affect a sale. In my experience most (not all) do not actively look for pitfalls that could be a long term problem for a buyer once they buy a property. Here are some examples. How many realtors say to look at a soils map before looking at a property to find out if the land itself may show some problems? How many realtors suggest a buyer look at a map for wetlands? How many realtors suggest looking at the houses previous heating and energy usage? I would suggest less than 10% would do those things. Without looking at a heating cost history you would never suspect that this one house uses enough fuel to heat 4 or more normal houses of a similar size. When you look at my blogs you would find information there to help a buyer that no realtor ever would put together. I put together those blogs because of problems I found while searching for a house. Several things were wrong and that stopped me from buying certain places. As an example a 10 acre piece of land that had half in a flood zone. I do not want my stuff flooded out by a stream in springtime.

  (0)
Dunes Tavern & Conspiracy Center

Response

Mack, I learned a lot from those who dealt with real estate. Some were real estate salesmen (maybe realtor, maybe not), some worked in town offices. When you talk to the town (or city) code enforcement officer (and those in other positions) you can find out a lot of problems that arrive regarding real estate. Most realtors learn how to sell real estate. They learn about some problems that can affect a sale. In my experience most (not all) do not actively look for pitfalls that could be a long term problem for a buyer once they buy a property. Here are some examples. How many realtors say to look at a soils map before looking at a property to find out if the land itself may show some problems? How many realtors suggest a buyer look at a map for wetlands? How many realtors suggest looking at the houses previous heating and energy usage? I would suggest less than 10% would do those things. Without looking at a heating cost history you would never suspect that this one house uses enough fuel to heat 4 or more normal houses of a similar size. When you look at my blogs you would find information there to help a buyer that no realtor ever would put together. I put together those blogs because of problems I found while searching for a house. Several things were wrong and that stopped me from buying certain places. As an example a 10 acre piece of land that had half in a flood zone. I do not want my stuff flooded out by a stream in springtime.

  (4)
Dunes Tavern & Conspiracy Center

Response

Mack, "Frankly, I'm surprised the hobbyists have lasted this long. 160 million adults in this country, Dunes is certainly one in one hundred and sixty million. I suppose there's a point where people realize that the real estate isn't entertaining enough." There is more than entertainment to be found here. When I first posted on here it was because no professional had answered a question. Before to long I realized I could help someone out where the professionals either could or would not. Later I learned that much of the could not was based on laws limiting your freedom of expression so no disrespect is included in this statement. The reason I stopped posting here was because of how the site itself (not any realtor or non-realtor) treated me. It became obvious they did not want me to help out so I pretty much left what became a bad scene.

  (0)
Dunes Tavern & Conspiracy Center

Response

Mack, "Frankly, I'm surprised the hobbyists have lasted this long. 160 million adults in this country, Dunes is certainly one in one hundred and sixty million. I suppose there's a point where people realize that the real estate isn't entertaining enough." There is more than entertainment to be found here. When I first posted on here it was because no professional had answered a question. Before to long I realized I could help someone out where the professionals either could or would not. Later I learned that much of the could not was based on laws limiting your freedom of expression so no disrespect is included in this statement. The reason I stopped posting here was because of how the site itself (not any realtor or non-realtor) treated me. It became obvious they did not want me to help out so I pretty much left what became a bad scene.

  (2)
Dunes Tavern & Conspiracy Center

Response

Just out of curiosity I looked for prices on the alternative site. I was shocked to see what could happen if you were poor but not poor enough. You can see the results here .If you make $19,848 a year you get a subsidy so your cost is $1,002 a year for premiums.BUT if you happen to be less wealthy and have an income just below the poverty level the results are more shocking. You can see that here .At a $12,000 a year income your subsidy does NOT exist. There is NO financial assistance available for you. Your premium will be $7,784 per year (which equals 77.84% of your household income and covers 100% of the overall premium)Can you imagine being older, having some money saved up for retirement (at least $3,001) and then not being eligible for medicaid because your assets are to high? Perhaps you do not want to sign up for medicaid because they will attach your assets after you die for all medical care provided. Perhaps you got laid off and your previously good income is gone and you have really good assets but a low income now.As you can see above Obamacare can steal a lower income persons assets when they die. Not everyone below the poverty level is eligible for medicaid. Not everyone who might be eligible would take it.

  (0)
Dunes Tavern & Conspiracy Center

Response

Just out of curiosity I looked for prices on the alternative site. I was shocked to see what could happen if you were poor but not poor enough. You can see the results here .If you make $19,848 a year you get a subsidy so your cost is $1,002 a year for premiums.BUT if you happen to be less wealthy and have an income just below the poverty level the results are more shocking. You can see that here .At a $12,000 a year income your subsidy does NOT exist. There is NO financial assistance available for you. Your premium will be $7,784 per year (which equals 77.84% of your household income and covers 100% of the overall premium)Can you imagine being older, having some money saved up for retirement (at least $3,001) and then not being eligible for medicaid because your assets are to high? Perhaps you do not want to sign up for medicaid because they will attach your assets after you die for all medical care provided. Perhaps you got laid off and your previously good income is gone and you have really good assets but a low income now.As you can see above Obamacare can steal a lower income persons assets when they die. Not everyone below the poverty level is eligible for medicaid. Not everyone who might be eligible would take it.

  (1)
Dunes Tavern & Conspiracy Center

Response

I insist on the latest and greatest stuff myself. I got a nice new and great XP machine and still use it. I did get a mobile phone. Despite the name mobile I have always had to move it myself. It is a tracphone. The phone itself is several years old (but great and new when I bought it). I have about 1,500 minutes on it as it mostly sits still. I doubt I have recharged it a dozen times and 6 might be pushing it over several years.I think my tracphone can send a text message. However, when I have to hit a number 3 or 4 times to get a letter for a word I refuse to use that feature. If it is broke don't fix it. If zillow worked why did they change it even years ago? Those changes that showed they did not listen to us or care if we contributed were the reasons I stopped posting here. Download an app? No way!!! If it can not exist on my hardware it needs to be revamped.

  (2)