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Subject: "you have been getting "lucky" with these home repairs" Previous topic | Next topic
deejboram
Member since Sep 27th 2002
25755 posts
Mon Dec-29-14 06:50 AM

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145. "you have been getting "lucky" with these home repairs"
In response to In response to 139


  

          

>unless some is really lazy, its not that expensive to own.
>
>>Fridge breaks down, it's on you...
>craigslist...150 delivered tops


you can get a brand new refridgerator from home depot for $325 (maybe $250 if you buy an open box/dented floor model)
i'd never buy a used fridge or mattress or sofa as you dont get a warranty on that $150 fridge, so when that shit goes out, you'll spend another $150



>Heater or AC goes out...
>>it's on you.
>hit cg services section for a brother who is skilled but lacks
>the respect for authority to thrive in an institutionalized
>business environment. watch him do the repair and ask him to
>explain while he works. do it yourself next time.


LOL
you seriously gonna have someone that dont know shit about HVAC try and load refrigerant into their unit.
or even know the difference between r-22 and r-410?
then they have to buy the special tools/equipment to do the repair

you getting them fly by night mexicans from home depot means the quality of work on your house is suspect and it might be OK but you took a chance
own homes and rental properties for years i can tell you NUMEROUS times i've dealt with upstanding guys and got luck and times like this last time where i had a guy paint the entire interior of my house but did not patch/spackle the nail holes or this big huge gaping ole from a plumbing repair as we discussed. long story short he also ran off with 1,100 sq ft of pergo i had bought for him to install.
he was a side job hustler.

could the same would have happened using a licensed and bonded contractor?
yes.

but the probability of that happening is waaaaaay lower than some home depot parking lot mexicans.




>Roof leaks... it's on you.
>it is amazingly easy to patch a roof if you are not afraid of
>heights and can borrow a ladder.
>mold remediation is also easier than one would think.


jesus christ man!
many ppl on here cant even change the spark plugs/coil packs in their car and you're asking them to buy a $100 ladder and climb on their roof to try and patch some shit?



listen man,
some shit is better just left to a professional.
you will soon find that the amount of money that you are "saving" really aint shit when it comes down to it.
some times the handyman can get better deals on materials than you can get.
take my pergo example
shit was $2.50 at lumber liquidators
ol boy had some left over from a huge job and did my mans town house with some and even had some left for me
all at 75 cents per sq foot

my mans lucked out and got his job done PERFECTLY
by the time ol boy got to me his crack tendencies reared their ugly head again and i was left holding the bag



lastly,
if i walked in your house i could pick your shit apart and know what a professional with 30 years of experience has done
versus some hack job that you nigga-rigged
98% of the public wont know and wont care
but my eyes are drawn to details like grout lines and lintel beams



stay safe out there man.
sounds like you're pretty handy (like myself)
and pretty cheap too (like myself)
and through the years of me being cheap and trying to save some dough ended up costing me faaaaar more not only in time but also in cash

for the avg person that be on OKP
i'd direct them to hire a PROFESSIONAL
union if they can.
it's funny to hear one side of OKP be all pro-labor
but then at the same time eschew their local trades and run to home depot for some $100 a day mexicans
or even craigslist for dudes who aren't licensed or union


also too,
these shitty/hack repair jobs are whats keeping our neighborhoods behind and having them fall apart quicker and look raggedy
when you get a professional union man he will make sure shit is done PERFECTLY and won't have you with 10inch siding mixed in with 12 inch siding on your house
looking all mixed matched

let me take my butt to the gym...


>
>>We were renting for $800 and our FHA mortgage with PMI is
>>$900. We looked at places where our mortgage could be 500
>and
>>they were some real shifty places.
>
>try appealing your property taxes...usually they'll knock
>something off if you just do the paperwork. call your
>insurance company and make sure they aren't fucking you over
>on how they are calculating your replacement value. those two
>adjustments can really affect your monthly bill...and an
>escrow adjustment can put a quick thousand in your pocket.
>

****
pink toes: http://i.imgur.com/WN7DPL1

  

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The Real Gentrification Issue Black Folk Won't Deal With [View all] , DJ Wade-O, Wed Dec-24-14 03:23 PM
 
Subject Author Message Date ID
This
Dec 24th 2014
1
you beat me to it
Dec 24th 2014
2
Dude, why are you and others so eager to find fault or rebuttal
Dec 24th 2014
13
      I understand what you're saying, but as a black man
Dec 24th 2014
15
      THat ain't it bro.
Dec 24th 2014
18
           I have good credit and every time they keep telling me I'm pre approved
Dec 24th 2014
19
           Why do you want or need more Credit Cards
Dec 24th 2014
21
                pre-approvals are hella shaky at best
Dec 24th 2014
27
                I'm not a fan of credit cards at all
Dec 24th 2014
28
                no credit cards = no mortgage approval
Dec 24th 2014
33
                     You can build credit without credit cards
Dec 24th 2014
40
                          Lol most black ppl don't have someone to cosign
Dec 24th 2014
56
                          I'm 35 and never had a car note.
Dec 24th 2014
67
                               my first time having a car note... don't like it at all...
Dec 25th 2014
76
                          Uh, we in Brooklyn. No need for a car.
Dec 25th 2014
80
                          A car note won't build your score nearly as much as revolving credit.
Dec 26th 2014
111
                               this is simply not true.
Dec 28th 2014
136
                                    Youu can get a mortgage without a car note but not without revolving cre...
Dec 28th 2014
141
                                         I've closed a number of loans with zero revolving credit in the past
Dec 29th 2014
149
                Every time I go to Chase they ask me to apply and I'm pre approved
Dec 25th 2014
79
                because I spent 12 years without one and it affected my credit
Dec 25th 2014
78
           it most certainly is
Dec 25th 2014
82
      Thanks for articulating that.
Dec 26th 2014
88
No
Dec 24th 2014
3
That's not all of it.
Dec 24th 2014
8
      That's most of it
Dec 24th 2014
20
What are the signs of gentrification in Newark?
Dec 24th 2014
4
Lots of investment downtown in the Central Ward
Dec 24th 2014
10
The current generation at the age ready to buy is very different
Dec 24th 2014
5
Student Loans is a big issue
Dec 24th 2014
9
      Also this generation is not going to have pension and social security
Dec 24th 2014
12
           Yeah we gonna have be 401K and IRA's
Dec 24th 2014
22
yea thats a none issue in my home town
Dec 24th 2014
6
The two reasons you listed account for prolly 80% of it.
Dec 24th 2014
7
If you are a transplant, sure. If you are native, maybe not
Dec 24th 2014
11
      Kinda true. Kinda.
Dec 24th 2014
24
           here's that post
Dec 24th 2014
26
           Buy a condo
Dec 24th 2014
29
                Condos have high HOA and not everybody want to buy a condo
Dec 24th 2014
31
                     Right and these fees can change/become more than
Dec 24th 2014
60
                          not to mention the special assessments
Dec 24th 2014
63
Wade, thanks for brining up an honest topic.
Dec 24th 2014
14
Dialog is happening...nice for you to ask
Dec 24th 2014
16
Everything can't keep being they
Dec 24th 2014
17
Bro, You are speaking the Hard Truth.
Dec 24th 2014
37
it aint no know it all, dude. it comes down to NUMBERS
Dec 24th 2014
38
      So you're trying to tell that man he's wrong.
Dec 25th 2014
72
      But thats the (vaugely stated) point, the roadblocks are all us
Dec 26th 2014
117
           it's still oversimplification
Dec 26th 2014
           it's still oversimplification
Dec 26th 2014
118
there has been study, after study, after study
Dec 24th 2014
23
Not saying those things don't exist
Dec 24th 2014
30
it costs money to save money.
Dec 24th 2014
25
You can buy a house with a 600 FICO score and $1,000 in the bank
Dec 24th 2014
32
Thank you.
Dec 24th 2014
34
No, you can get literally nothing in any of those areas for that price
Dec 24th 2014
35
      this dude is on some bullshit and dont know what he talkin about
Dec 24th 2014
36
           You can get a condo in Jersey for 70K.
Dec 24th 2014
39
           you realize NYC aint in Jersey and IE aint in Los Angeles?
Dec 24th 2014
43
                LOL
Dec 24th 2014
45
                Huh???
Dec 24th 2014
51
                     RE: Huh???
Dec 24th 2014
54
                          Dude how old are you?
Dec 24th 2014
58
                               RE: Dude how old are you?
Dec 24th 2014
68
                Wait, what part of Oak Cliff, b/c they're in full gentrification swing n...
Dec 26th 2014
112
                     near Cedar Crest golf course, the VA hospital, Sweet Georgia Browns
Dec 26th 2014
114
                          I know that area well...
Dec 26th 2014
115
                               We have a house directly across from Cedar Crest Golf Course
Dec 27th 2014
120
           20 Min outside of NYC in Newark, you get this for <$70K
Dec 24th 2014
41
                I like this one...
Dec 24th 2014
44
                     I live 5-10 minutes from there.
Dec 24th 2014
48
                          nobody wants to live in an industrial area with hazardous chemicals
Dec 24th 2014
53
                               No chemical plants
Dec 24th 2014
69
Break it down for me.
Dec 24th 2014
42
To be brutally honest...
Dec 24th 2014
47
      As of now
Dec 24th 2014
57
           I'd live here...
Dec 24th 2014
61
           Inbox
Dec 24th 2014
64
           I bought into 28212 a few years ago.
Dec 25th 2014
75
                i lived in the QC from 89-95. to see where the city is now is pretty
Dec 25th 2014
77
                do yall have kids? what schools do they go to?
Dec 26th 2014
94
                     no kids yet
Dec 26th 2014
98
                          you know anyone with kids that attend schools in your area?
Dec 26th 2014
104
                               my neighbor has 2 kids who are smart as shit.
Dec 27th 2014
122
I gotta cosign this as a former mortgage broker
Dec 28th 2014
137
Individually it's extremely hard..
Dec 24th 2014
46
And this is all I am saying bro.
Dec 24th 2014
49
How Bill Cosby of you.
Dec 24th 2014
50
The real issue is the marriage/out of wedlock birth rates
Dec 24th 2014
52
we trying to get a horse, you talking about the cart
Dec 24th 2014
55
      It's the issue, even single black folks
Dec 24th 2014
59
           life is not all about money
Dec 24th 2014
62
                Nah depending on a roommate to cover your bills
Dec 24th 2014
65
                     not true.
Dec 24th 2014
66
More "twice as good" bullshit
Dec 25th 2014
70
RE: More &amp;amp;quot;twice as good&amp;amp;quot; bullshit
Dec 25th 2014
71
      this makes some sense.
Dec 25th 2014
73
      More people living under one roof
Dec 25th 2014
83
           RE: More people living under one roof
Dec 25th 2014
85
           American culture seems to be so against this and I hate that
Dec 26th 2014
89
                it also helps create tighter knit communities too
Dec 26th 2014
99
                     ppl dont do it cause they dont wanna put up with nobody else's shit
Dec 26th 2014
105
                          other culture's manage it just fine though
Dec 26th 2014
107
Truth
Dec 25th 2014
74
many MANY of us...dont know what we dont know
Dec 25th 2014
81
We gotta pass the knowledge down Bin
Dec 26th 2014
86
      you preaching to the choir with me, talk to these other clowns
Dec 26th 2014
93
           But Bib, you see they're not trying to listen.
Dec 26th 2014
95
                ummm have you been reading my post???
Dec 26th 2014
103
                     It's not just about your opinion playa. But
Dec 26th 2014
116
zero financial literacy + poverty
Dec 25th 2014
84
RE: zero financial literacy + poverty
Dec 26th 2014
87
RE: But here's what I'm saying....buy where you live.
Dec 26th 2014
92
      If you live in a ghetto you have like 4 options
Dec 26th 2014
97
      RE: if you can't really leave due to whatever circumstances
Dec 26th 2014
100
      this is naive
Dec 26th 2014
102
           Investing in your community is not only financial...
Dec 26th 2014
110
                hard to do some of those things without organization
Dec 26th 2014
113
                     If it's hard to do so what?
Dec 27th 2014
126
      LOL
Dec 27th 2014
127
      I see that you tried to backdoor a convo.
Dec 27th 2014
130
           OK
Dec 29th 2014
147
      I think Black folks have a really twisted sense of loyalty to "the hood"
Dec 29th 2014
150
what do you think is better than a FHA loan?
Dec 26th 2014
90
hello? how yall gon say we need to share info and then not answer questi...
Dec 27th 2014
121
nothing is better unless you have a bunch of cash...
Dec 27th 2014
124
if you have spare time, you need less cash.
Dec 28th 2014
139
     
id say a conventional if only for the pmi/mip
Dec 28th 2014
133
      fha: 600 credit + 3.5% down -- conventional: 700 credit + 5% down
Dec 28th 2014
134
           they wanted 650 and 20% for the conventional...
Dec 28th 2014
138
                five digits...can't edit anymore
Dec 29th 2014
142
                we are talking ENTRY points not re-fi or HELOC
Dec 29th 2014
144
                Let's revisit this again
Dec 29th 2014
146
                     we mostly agree with each other
Dec 29th 2014
148
Let's be honest here. FHA loans are a hair above sub-prime.
Dec 26th 2014
91
      RE: Let's be honest here. FHA loans are a hair above sub-prime.
Dec 26th 2014
96
           bruh, you said what i've been saying all along in this post...
Dec 26th 2014
101
Let's focus on you and your friend for a bit. What yall's credit look li...
Dec 26th 2014
106
This always is so polarized here by where people live
Dec 26th 2014
108
are u in a gentrified area?
Dec 26th 2014
109
Simple: Have all Black ppl do Dave Ramsey until they debt free.
Dec 27th 2014
119
life happens...
Dec 27th 2014
123
      let's start with one calendar year of paying all bills on time then
Dec 27th 2014
125
      no doubt. unfortunately we have been duped into spending all
Dec 27th 2014
132
      it's really easy to pay on time too. you just do it.
Dec 28th 2014
140
      THIS is the real problem.
Dec 29th 2014
143
yeah some do not want to fall in line
Dec 27th 2014
128
you people think the world is only nyc, chicago, dc and philly
Dec 27th 2014
131
LMFAO @ bums crying about gentrification. Are people that dumb?
Dec 27th 2014
129
*logs in to pay bills in separate tab in this post*
Dec 28th 2014
135

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