GM's Thread About Everything/GM's Thread About Nothing (7 Viewers)

[Abraham]

Yeah. We had a string of really good luck all summer (finding the right school for our kid, finding the new house, selling our house at asking price in a day) so some crap lately seems to be the universe evening it out. Her neck is going to hurt for a while but she is lucky. She was stopped on the interstate with one car stopped behind her. Teenage girl (texting I'm sure) plowed in to him going 65. Amazing she is alive.

 

[Mr. Pickles]

Non sequitur alert.

 

[Binky The Doormat]

Non sequitur alert.

Yeah, not sure Abe wasn't in the accident as well. I am waiting for him to interject his thoughts about reasons behind his favorite colors next post.

I played entire games of "Cards Against Humanity" that matched up better.

 

[cstu]

my phone is bricked, can't get past the setup wizard so I took it into Verizon today and they're sending me a replacement. Droid Turbo, don't buy, even if its a great phone (it is). Problem started about 2 months ago, all of a sudden it just decides to reboot for no reason, randomly. I tried everything, deleting apps, clearing the cache, factory resets. Thing is a lemon. Unfortunately they're sending me the same phone, we'll see how that goes.

Someone at work just made the same complaint yesterday.

 

[cosjobs]

I'm about 15 pages behind now. Life just took a HUGE crap on me. Not talking about the flood itself, I was prepared, had insurance, it was a pain, but everything was covered and I really wasn't even #####ing much. Life happens.

I posted this in the lawyer thread, I'll re-post here, since I go there about as often as the Shark Pool.

My father and I bought a house last January. It had flooded two years ago Halloween and was repaired/remodeled for probably about 120K and I bought it for 320K at the first of this year.

Last week the creek flooded again after a storm cell dumped 15" of rain in less than three hours. There was about 14" of water in the house, both cars were totaled a huge mess. I immediately hired a remediation company to come and cut away 4' of drywall, rip out all the cabinets , bathtubs, everything, so they could bring in the commercial dryer and stuff and take care of any potential mold/moisture/water related problems, so I could begin doing the rebuild on Monday.

I go to the city Friday to pull a permit and was denied. They told me there was a new city code in effect that stated that permits would not be issued to anyone whose home had accrued, over the previous 10 years, repairs costing more than 50% of the home's value. They told me they had determined the cost of my repair plus the repair two years ago would exceed that limit, so no permit for me.

This means I cannot repair my house. In short order, they won;t be letting me live here, since the first floor is currently unsafe and uninhabitable. I won't be able to sell it to anyone, because it now has no value, yet will continue to be taxed at about $6000 a year.

All I will get is a check from my flood insurance equal to the estimated repair cost, probably around 100k. I won't need to do the repairs since I can't get a permit, meaning I'll net out 75k (after paying for the remediation work already done). So my home, recently appraised for over $400K will get me $75K, I can't live, there, I can't sell it and I will be required to pay $6000 a year in taxes.

This code was not in effect when I bought the house or I was not informed of this.(Sue the realtor?) I would never purchased this house had I known of this onerous legacy it carried.

Its possible I can argue and crunch numbers and get the total repair cost in just under the 50% cap. But that means the least little flooding incident over the next 10 years and I'm back where I am now.

The area I live in had never flooded before two years ago Halloween.

The city has know watershed problems with Onion Creek, which is what backflowed into Slaughter Creek which runs behind (or in) my house.

10 years ago, the city approved massive commercial development a couple miles away which has caused huge runoff into Onion Creek and they have never correct downstream to handle the extra water runoff. We are in between Onion Creek and the huge development.

Boom. Milos loses $350000 plus 6000 a year.

 

[El Floppo]

Yeah. We had a string of really good luck all summer (finding the right school for our kid, finding the new house, selling our house at asking price in a day) so some crap lately seems to be the universe evening it out. Her neck is going to hurt for a while but she is lucky. She was stopped on the interstate with one car stopped behind her. Teenage girl (texting I'm sure) plowed in to him going 65. Amazing she is alive.

Holy hell... Really glad she's ok.

 

[El Floppo]

I'm about 15 pages behind now. Life just took a HUGE crap on me. Not talking about the flood itself, I was prepared, had insurance, it was a pain, but everything was covered and I really wasn't even #####ing much. Life happens.

I posted this in the lawyer thread, I'll re-post here, since I go there about as often as the Shark Pool.

My father and I bought a house last January. It had flooded two years ago Halloween and was repaired/remodeled for probably about 120K and I bought it for 320K at the first of this year.

Last week the creek flooded again after a storm cell dumped 15" of rain in less than three hours. There was about 14" of water in the house, both cars were totaled a huge mess. I immediately hired a remediation company to come and cut away 4' of drywall, rip out all the cabinets , bathtubs, everything, so they could bring in the commercial dryer and stuff and take care of any potential mold/moisture/water related problems, so I could begin doing the rebuild on Monday.

I go to the city Friday to pull a permit and was denied. They told me there was a new city code in effect that stated that permits would not be issued to anyone whose home had accrued, over the previous 10 years, repairs costing more than 50% of the home's value. They told me they had determined the cost of my repair plus the repair two years ago would exceed that limit, so no permit for me.

This means I cannot repair my house. In short order, they won;t be letting me live here, since the first floor is currently unsafe and uninhabitable. I won't be able to sell it to anyone, because it now has no value, yet will continue to be taxed at about $6000 a year.

All I will get is a check from my flood insurance equal to the estimated repair cost, probably around 100k. I won't need to do the repairs since I can't get a permit, meaning I'll net out 75k (after paying for the remediation work already done). So my home, recently appraised for over $400K will get me $75K, I can't live, there, I can't sell it and I will be required to pay $6000 a year in taxes.

This code was not in effect when I bought the house or I was not informed of this.(Sue the realtor?) I would never purchased this house had I known of this onerous legacy it carried.

Its possible I can argue and crunch numbers and get the total repair cost in just under the 50% cap. But that means the least little flooding incident over the next 10 years and I'm back where I am now.

The area I live in had never flooded before two years ago Halloween.

The city has know watershed problems with Onion Creek, which is what backflowed into Slaughter Creek which runs behind (or in) my house.

10 years ago, the city approved massive commercial development a couple miles away which has caused huge runoff into Onion Creek and they have never correct downstream to handle the extra water runoff. We are in between Onion Creek and the huge development.

Boom. Milos loses $350000 plus 6000 a year.

Wtmf

Damn cos. Did the lawyers have any options for you? Just seems insanely unjust.

 

[Abraham]

Damn Cos. Ioved your place. There has to be some sort of way to solve it.

 

[cstu]

Its possible I can argue and crunch numbers and get the total repair cost in just under the 50% cap. But that means the least little flooding incident over the next 10 years and I'm back where I am now.

Pay some Mexicans under the table to do most of the work.

Sell it ASAP.

 

[cosjobs]

Fat ******* told my grandpa today that if gramps gives him $47,000, Fat ******* will move to Lexington and never bother gramps again.

JFC

for a detective agency? wtf does this guy think he is, a scooby doo villain?

Despicable, but probably a bargain. Pay it

 

[cosjobs]

I'm about 15 pages behind now. Life just took a HUGE crap on me. Not talking about the flood itself, I was prepared, had insurance, it was a pain, but everything was covered and I really wasn't even #####ing much. Life happens.

Boom. Milos loses $350000 plus 6000 a year.

Wtmf

Damn cos. Did the lawyers have any options for you? Just seems insanely unjust.

Have not heard any legal opinions yet. I will be at the emergency city council meeting tomorrow night and again Monday expressing my thoughts.

 

[-fish-]

I'm about 15 pages behind now. Life just took a HUGE crap on me. Not talking about the flood itself, I was prepared, had insurance, it was a pain, but everything was covered and I really wasn't even #####ing much. Life happens.

I posted this in the lawyer thread, I'll re-post here, since I go there about as often as the Shark Pool.

My father and I bought a house last January. It had flooded two years ago Halloween and was repaired/remodeled for probably about 120K and I bought it for 320K at the first of this year.

Last week the creek flooded again after a storm cell dumped 15" of rain in less than three hours. There was about 14" of water in the house, both cars were totaled a huge mess. I immediately hired a remediation company to come and cut away 4' of drywall, rip out all the cabinets , bathtubs, everything, so they could bring in the commercial dryer and stuff and take care of any potential mold/moisture/water related problems, so I could begin doing the rebuild on Monday.

I go to the city Friday to pull a permit and was denied. They told me there was a new city code in effect that stated that permits would not be issued to anyone whose home had accrued, over the previous 10 years, repairs costing more than 50% of the home's value. They told me they had determined the cost of my repair plus the repair two years ago would exceed that limit, so no permit for me.

This means I cannot repair my house. In short order, they won;t be letting me live here, since the first floor is currently unsafe and uninhabitable. I won't be able to sell it to anyone, because it now has no value, yet will continue to be taxed at about $6000 a year.

All I will get is a check from my flood insurance equal to the estimated repair cost, probably around 100k. I won't need to do the repairs since I can't get a permit, meaning I'll net out 75k (after paying for the remediation work already done). So my home, recently appraised for over $400K will get me $75K, I can't live, there, I can't sell it and I will be required to pay $6000 a year in taxes.

This code was not in effect when I bought the house or I was not informed of this.(Sue the realtor?) I would never purchased this house had I known of this onerous legacy it carried.

Its possible I can argue and crunch numbers and get the total repair cost in just under the 50% cap. But that means the least little flooding incident over the next 10 years and I'm back where I am now.

The area I live in had never flooded before two years ago Halloween.

The city has know watershed problems with Onion Creek, which is what backflowed into Slaughter Creek which runs behind (or in) my house.

10 years ago, the city approved massive commercial development a couple miles away which has caused huge runoff into Onion Creek and they have never correct downstream to handle the extra water runoff. We are in between Onion Creek and the huge development.

Boom. Milos loses $350000 plus 6000 a year.

My understanding of those types of requirements are to cause you to qualify for federal assistance, since there really is no downside to the city, who would make more money issuing permits on bigger projects. If you have a determination of substantial damage that prevents you from getting a permit, I think it may trigger federal funding for you.

You can also appeal the substantial damage determination.

But I don't know anything about Tejas.

 

[cosjobs]

I'm about 15 pages behind now. Life just took a HUGE crap on me. Not talking about the flood itself, I was prepared, had insurance, it was a pain, but everything was covered and I really wasn't even #####ing much. Life happens.

I posted this in the lawyer thread, I'll re-post here, since I go there about as often as the Shark Pool.

My father and I bought a house last January. It had flooded two years ago Halloween and was repaired/remodeled for probably about 120K and I bought it for 320K at the first of this year.

Last week the creek flooded again after a storm cell dumped 15" of rain in less than three hours. There was about 14" of water in the house, both cars were totaled a huge mess. I immediately hired a remediation company to come and cut away 4' of drywall, rip out all the cabinets , bathtubs, everything, so they could bring in the commercial dryer and stuff and take care of any potential mold/moisture/water related problems, so I could begin doing the rebuild on Monday.

I go to the city Friday to pull a permit and was denied. They told me there was a new city code in effect that stated that permits would not be issued to anyone whose home had accrued, over the previous 10 years, repairs costing more than 50% of the home's value. They told me they had determined the cost of my repair plus the repair two years ago would exceed that limit, so no permit for me.

This means I cannot repair my house. In short order, they won;t be letting me live here, since the first floor is currently unsafe and uninhabitable. I won't be able to sell it to anyone, because it now has no value, yet will continue to be taxed at about $6000 a year.

All I will get is a check from my flood insurance equal to the estimated repair cost, probably around 100k. I won't need to do the repairs since I can't get a permit, meaning I'll net out 75k (after paying for the remediation work already done). So my home, recently appraised for over $400K will get me $75K, I can't live, there, I can't sell it and I will be required to pay $6000 a year in taxes.

This code was not in effect when I bought the house or I was not informed of this.(Sue the realtor?) I would never purchased this house had I known of this onerous legacy it carried.

Its possible I can argue and crunch numbers and get the total repair cost in just under the 50% cap. But that means the least little flooding incident over the next 10 years and I'm back where I am now.

The area I live in had never flooded before two years ago Halloween.

The city has know watershed problems with Onion Creek, which is what backflowed into Slaughter Creek which runs behind (or in) my house.

10 years ago, the city approved massive commercial development a couple miles away which has caused huge runoff into Onion Creek and they have never correct downstream to handle the extra water runoff. We are in between Onion Creek and the huge development.

Boom. Milos loses $350000 plus 6000 a year.

My understanding of those types of requirements are to cause you to qualify for federal assistance, since there really is no downside to the city, who would make more money issuing permits on bigger projects. If you have a determination of substantial damage that prevents you from getting a permit, I think it may trigger federal funding for you.

You can also appeal the substantial damage determination.

But I don't know anything about Tejas.

First, we use an x now.

What Federal funding are you referring to? We had the max flood insurance they would sell us (250000 for 2500/yr) since they re-drew the flood maps and the flipper we bought from from didn't maintain the policy the original owners had. Had the flipper maintained the existing policy we'd have a 400K policy for about 1200 a year.

I'm sure I could appeal and probably win the damage estimate, but then I'd need to sweat out the next 10 years than we get absolutely no heavy rain. I'm not really comfortable with that. Seems it'd be smarter to take the 75000 for the rebuild than risk we never have another occurrence in the next decade.

 

[Binky The Doormat]

I'm about 15 pages behind now. Life just took a HUGE crap on me. Not talking about the flood itself, I was prepared, had insurance, it was a pain, but everything was covered and I really wasn't even #####ing much. Life happens.

Boom. Milos loses $350000 plus 6000 a year.

Wtmf

Damn cos. Did the lawyers have any options for you? Just seems insanely unjust.

Have not heard any legal opinions yet. I will be at the emergency city council meeting tomorrow night and again Monday expressing my thoughts.

Agreed, this cannot stand man.

 

[cosjobs]

Being in the 100 year flood plain is supposed to mean that there is a 1% chance of me getting flooded in any one year..

To have two such events in one year and 364 days.. what are those odds? My brain's too tired to figure it out. Pickles?

 

[EYLive]

Is :e: dunzo?

 

[Officer Pete Malloy]

Wife was involved in a car accident that totaled two cars and sent three people to the hospital. She is fine and the car has much less damage then the others. Highway closed for an hour. Then the Very attractive college waitress at razoo's remembered my. Drink and menu choice from two weeks ago when I stopped in tonight. fMl

That's an interesting segue. Glad you're wife/are Harvestfest.

 

[Officer Pete Malloy]

I'm about 15 pages behind now. Life just took a HUGE crap on me. Not talking about the flood itself, I was prepared, had insurance, it was a pain, but everything was covered and I really wasn't even #####ing much. Life happens.

I posted this in the lawyer thread, I'll re-post here, since I go there about as often as the Shark Pool.

My father and I bought a house last January. It had flooded two years ago Halloween and was repaired/remodeled for probably about 120K and I bought it for 320K at the first of this year.

Last week the creek flooded again after a storm cell dumped 15" of rain in less than three hours. There was about 14" of water in the house, both cars were totaled a huge mess. I immediately hired a remediation company to come and cut away 4' of drywall, rip out all the cabinets , bathtubs, everything, so they could bring in the commercial dryer and stuff and take care of any potential mold/moisture/water related problems, so I could begin doing the rebuild on Monday.

I go to the city Friday to pull a permit and was denied. They told me there was a new city code in effect that stated that permits would not be issued to anyone whose home had accrued, over the previous 10 years, repairs costing more than 50% of the home's value. They told me they had determined the cost of my repair plus the repair two years ago would exceed that limit, so no permit for me.

This means I cannot repair my house. In short order, they won;t be letting me live here, since the first floor is currently unsafe and uninhabitable. I won't be able to sell it to anyone, because it now has no value, yet will continue to be taxed at about $6000 a year.

All I will get is a check from my flood insurance equal to the estimated repair cost, probably around 100k. I won't need to do the repairs since I can't get a permit, meaning I'll net out 75k (after paying for the remediation work already done). So my home, recently appraised for over $400K will get me $75K, I can't live, there, I can't sell it and I will be required to pay $6000 a year in taxes.

This code was not in effect when I bought the house or I was not informed of this.(Sue the realtor?) I would never purchased this house had I known of this onerous legacy it carried.

Its possible I can argue and crunch numbers and get the total repair cost in just under the 50% cap. But that means the least little flooding incident over the next 10 years and I'm back where I am now.

The area I live in had never flooded before two years ago Halloween.

The city has know watershed problems with Onion Creek, which is what backflowed into Slaughter Creek which runs behind (or in) my house.

10 years ago, the city approved massive commercial development a couple miles away which has caused huge runoff into Onion Creek and they have never correct downstream to handle the extra water runoff. We are in between Onion Creek and the huge development.

Boom. Milos loses $350000 plus 6000 a year.

Wtmf

Damn cos. Did the lawyers have any options for you? Just seems insanely unjust.

F##kin A this

 

[Officer Pete Malloy]

Man, and I was going to ##### about having to unclog a kitchen drain for the millionth time (still not fixed) and having to jury/jerry rig the heat shield back onto my car.

 

[-fish-]

Cos>I really only have a cursory understanding, but I thought FEMA has the 50% cost of repair requirement, which some jurisdictions in floodplains have adopted. If you want to rebuild after a flood causing damage > 50% of your appraised value you have to raise your house a foot or something like that. If you have ICC coverage (increased cost of compliance) it will pay to raise the house, then you can get a permit and do the repairs. If you don't have ICC coverage, I believe that there are federal assistance programs associated with FEMA that will help.

As I understood it, the cities that are imposing these requirements were doing it to trigger the FEMA-associated funding.

I could be off, but it's worth looking into with someone familiar with this stuff.

 

[-fish-]

Man, and I was going to ##### about having to unclog a kitchen drain for the millionth time (still not fixed) and having to jury/jerry rig the heat shield back onto my car.

jerry rig. like the germans that bombed pearl harbor.

 

[Abraham]

Jerry Rig is an American Hero

 

[Officer Pete Malloy]

Man, and I was going to ##### about having to unclog a kitchen drain for the millionth time (still not fixed) and having to jury/jerry rig the heat shield back onto my car.

jerry rig. like the germans that bombed pearl harbor.

*** rig?

 

[5-ish Finkle]

I think they prefer the more general epithet "********."

 

[Officer Pete Malloy]

And now some good news (which we could all use):

Beerkid's buddy texted him out of the blue and told him his uncle has tix for the 49er/Falcon game tomorrow. Free for the taking...and a ride. He's never been to an NFL game.

AND he gets to be witness to the birth of the Blaine Gabbert era!

 

[Abraham]

Blaine Gabbert is a national hero.

 

[5-ish Finkle]

And now some good news (which we could all use):

Beerkid's buddy texted him out of the blue and told him his uncle has tix for the 49er/Falcon game tomorrow. Free for the taking...and a ride. He's never been to an NFL game.

AND he gets to be witness to the birth abortion of the Blaine Gabbert era!

Fixed.

 

[Officer Pete Malloy]

http://imgur.com/abHrm4i

 

[krista4]

Jesus, cos, so sorry about that. Hope that fish's advice can help and that there are some solutions.

 

[krista4]

Fat ******* told my grandpa today that if gramps gives him $47,000, Fat ******* will move to Lexington and never bother gramps again.

JFC

for a detective agency? wtf does this guy think he is, a scooby doo villain?

Despicable, but probably a bargain. Pay it

Heard tonight that he's already dropped his asking price, after my grandpa mentioned he'd be moving and putting the house on the market, and gigantasaurus cried about it all day. Don't know the new asking price, but we're thinking if we offer $5K and a ham sandwich he'll go away.

 

[Officer Pete Malloy]

Fat ******* told my grandpa today that if gramps gives him $47,000, Fat ******* will move to Lexington and never bother gramps again.

JFC

for a detective agency? wtf does this guy think he is, a scooby doo villain?

Despicable, but probably a bargain. Pay it

Heard tonight that he's already dropped his asking price, after my grandpa mentioned he'd be moving and putting the house on the market, and gigantasaurus cried about it all day. Don't know the new asking price, but we're thinking if we offer $5K and a ham sandwich he'll go away.

http://imgur.com/Xkp0jMa

 

[Abraham]

Giganantasauraus sounds like a job for a crypto oceanography student like him.

 

[Mr. Pickles]

Fat ******* told my grandpa today that if gramps gives him $47,000, Fat ******* will move to Lexington and never bother gramps again.

JFC

for a detective agency? wtf does this guy think he is, a scooby doo villain?

Despicable, but probably a bargain. Pay it

Heard tonight that he's already dropped his asking price, after my grandpa mentioned he'd be moving and putting the house on the market, and gigantasaurus cried about it all day. Don't know the new asking price, but we're thinking if we offer $5K and a ham sandwich he'll go away.

http://youtu.be/M5QGkOGZubQ

 

[krista4]

Giganantasauraus sounds like a job for a crypto oceanography student like him.

And sorry, just catching up...glad your wife is OK. Scary stuff.

 

[krista4]

Fat ******* told my grandpa today that if gramps gives him $47,000, Fat ******* will move to Lexington and never bother gramps again.

JFC

for a detective agency? wtf does this guy think he is, a scooby doo villain?

Despicable, but probably a bargain. Pay it

Heard tonight that he's already dropped his asking price, after my grandpa mentioned he'd be moving and putting the house on the market, and gigantasaurus cried about it all day. Don't know the new asking price, but we're thinking if we offer $5K and a ham sandwich he'll go away.

http://youtu.be/M5QGkOGZubQ

An error occurredYou have reached your quota of positive votes for the day

 

[cosjobs]

Cos>I really only have a cursory understanding, but I thought FEMA has the 50% cost of repair requirement, which some jurisdictions in floodplains have adopted. If you want to rebuild after a flood causing damage > 50% of your appraised value you have to raise your house a foot or something like that. If you have ICC coverage (increased cost of compliance) it will pay to raise the house, then you can get a permit and do the repairs. If you don't have ICC coverage, I believe that there are federal assistance programs associated with FEMA that will help.

As I understood it, the cities that are imposing these requirements were doing it to trigger the FEMA-associated funding.

I could be off, but it's worth looking into with someone familiar with this stuff.

I'd appreciate any links or sources you might provide. I want to figure it out as best i can before the emergency city council meeting tonight (Sunday).

 

[cosjobs]

And how in the hell do you raise an existing house on a slab foundation six feet?

 

[Officer Pete Malloy]

And how in the hell do you raise an existing house on a slab foundation six feet?

Stilts?

 

[bentley]

And how in the hell do you raise an existing house on a slab foundation six feet?

Piles of Viagra.

 

[Officer Pete Malloy]

If you don't like the movie "Drive" you're a moron.

 

[Mr. Pickles]

Drive is pretty much terrible.

 

[Officer Pete Malloy]

Drive is pretty much terrible.

Sure thing, fella.

 

[strykerpks]

Drive was poop

 

[the rover]

And how in the hell do you raise an existing house on a slab foundation six feet?

Even though it flooded six feet, I think you only need to raise it 1 foot. It's the government

 

[Annyong]

Jerry Rig is an American Hero

True story, I used to work with a Jerry Riggs

 

[Officer Pete Malloy]

Drive was poop

Moron

 

[strykerpks]

Drive was poop

Moron

I've been called worse....by better

 

[Binky The Doormat]

Drive was poop

Mentioning driving and poop. Can anyone ever really feel comfortable taking a poop in a gas station/carry out bathroom?

 

[Officer Pete Malloy]

Drive was poop

Moron

I've been called worse....by better

I doubt the second part.

 

[cosjobs]

Drive was poop

Mentioning driving and poop. Can anyone ever really feel comfortable taking a poop in a gas station/carry out bathroom?

Gas stations in Wisconsin make you carry out your poop when you use their bathrooms?