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brun

Member Since 13 May 2010
Offline Last Active Yesterday, 09:42 AM
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Posts I've Made

In Topic: You're cat does not love you

24 October 2014 - 02:49 AM

 

My cats do demonstrate affection. When I enter a room they are in they do respond to me. And my cats never kill anything unless it gets in the house. Owners that let cats wander are the reason those birds are dead. Let a dog wander and it may well kill some small animal as well. What a crap article.

 

:goodposting:

 

It is a silly and obviously biased article, but I was reading it anyway out of curiosity.  But I stopped after their solutions for the environmental impact were to bring your cat in at night and/or put a bell on it, never even considering the best and most obvious solution to keep your cat indoors.

 

 

- Owner of three cats and a dog.  I'm really a dog person (my wife a cat person), but cats are downright cool.  Different than dogs, of course, but great in their own ways.

 

I've seen other articles that suggest the bell. It seems to me that if you let your cat go out at night with a bell attached it just as likely that you'll make him/her an easy target for other predators like coyotes, fisher cats, owls etc.


In Topic: Sunday Morning Questions for Bloom - Week 7

19 October 2014 - 05:53 AM

Good morning!

 

FPC

Andre Holmes or Golden Tate at WR

 

One of the above or Travis Kelce at Flex


In Topic: Online Poker

16 October 2014 - 10:45 AM

Can you deposit money in any of the sportsbooks? Some also offer access to card rooms. 5 Dimes for example.

In Topic: Home assessment, I need advice

11 October 2014 - 01:21 PM

 

 

TBH, I was curious about this. I recall when we purchased the house I'm in now, the appraisal came in at the exactly the same as the purchase price. I just did a refi (last week) and the appraisal was the same as the number I gave as the property value. This was important as I was taking cash out. I've refi'd a couple times in between but don't remember how close the numbers were.


 

 

That is interesting.  Did you get a chance to look at the refi appraisal?  Those orders do not include loan amount or estimated market value figures provided so unless you told the appraiser a figure he/she wouldn't know what that value was.  It's a big reason why the AMCs are now a part of the ordering process.  If you gave the exact estimated market value that the appraisal came to, maybe you could be an appraiser!  Do you love paperwork and hate money?

 

I just read through the whole appraisal. There was nothing in there about loan amount or estimated loan to value. I talked to him on the phone when scheduling the appraisal, but don't recall saying anything about the loan etc. I wasn't home when he did the appraisal. He took pictures of the exterior and interior which provides all the proof anyone would want that I'm a embarrassingly lazy housekeeper.

 

Are most appraisers part time of full time. Getting close to retirement age. When that comes, I'll need something to get me out of the house.


In Topic: Home assessment, I need advice

11 October 2014 - 11:14 AM

 

 

 

Just make sure the appraiser knows the number you need it to be. And the bank. Let them know you won't do the refi if the appraisal doesn't come in at your number.

The guy I met with knows I wont refi if I dont get the number I need, which is why I am hesitant to do the assessment. He did not give me any indication that I would get the number I need.

I jokingly asked if the appraiser would accept a bribe. That went no where. :bag:

 

 

Find another appraiser.

 

I'm not saying bribe him, but I would find one that knows exactly what you need and thinks he can get there. There are enough appraisers out there - someone will likely come up to your number (assuming its in the reasonableness realm).

 

 

1st) You as the borrower do not choose your appraiser

2nd) The bank doesn't either-they use appraisal management companies

3rd) Appraisers don't target values and do not work for you as the borrower.  We are hired to determine if the bank is making a sound lending decision in the event that you do not pay your mortgage.

 

 

I'm an appraiser and would never accept an assignment based on a predetermined target value.  This type of thinking went a long way in the debacle we're just getting out of now.

 

TBH, I was curious about this. I recall when we purchased the house I'm in now, the appraisal came in at the exactly the same as the purchase price. I just did a refi (last week) and the appraisal was the same as the number I gave as the property value. This was important as I was taking cash out. I've refi'd a couple times in between but don't remember how close the numbers were.