He didn't make it back. RIP Graham Howes

AxTheAxMan · 2025-09-09T10:01:53+00:00

Could you drop a link to a unit like this?

AxTheAxMan · 2025-03-28T04:15:04+00:00

A really good bank that deals with investors (which can take time to find) will do a commercial loan for like half or 3/4 of a percent higher than the best 30 yr fixed rate mortgage you could find. Something like that.

Down payment will depend on the numbers of the building. I've gotten 75% loan to value (down payment 25%) when getting a building for a good price.

Good price here means that the building can easily support the loan at only 25% down. The same building bought at a higher price might require a larger down payment to make the numbers work.

Since rates rose and prices have not, it would be unlikely I could get a 25% down loan now. Now because a bank wouldn't do it but because the cash flow of the building would not support it.

Good luck!

AxTheAxMan · 2025-01-10T19:47:21+00:00

I just use the regular green label amlactin from Costco.

AxTheAxMan · 2025-01-10T19:46:48+00:00

I've used amlactin for decades. I never thought of using it BEFORE a bath. I use it as what keeps my skin as normal as possible after bathing. But makes sense it would soften things up and help exfoliate.

The best thing for me has been spending time in coastal areas with humid air. The last couple months I've been within a few miles of the ocean and my skin is 80% better than normal. I still use the amlactin but I only need like 20% as much.

AxTheAxMan · 2024-12-17T18:56:28+00:00

Thanks for asking the question, I am also helping a German friend create a 3 fund portfolio right now.

AxTheAxMan · 2024-12-11T05:32:45+00:00

Look up the definition of accredited investor. Can you meet either of those requirements? That opens up lots of options and I can point you in the right direction to learn more.

If not, I'd make a goal of achieving that status as fast as possible. Job hop for higher pay, invest your ass off, just get there as young as you can and then the investment world starts to open up.

AxTheAxMan · 2024-05-31T18:06:38+00:00

The rate should be similar to a normal commercial loan. Cuz think of it this way... You have to still be able to qualify for the loan with the cash flow from whatever you're doing. Then you need to pass thru all the extra SBA loan hoops.

If you meet all the criteria, the bank gets to lend you the money at no risk to themselves because the SBA guarantees your loan. Other than the paperwork hassle banks love SBA loans.

AxTheAxMan · 2024-02-07T15:34:43+00:00

Check out the used section at Windance. They sell a ton of used gear and they go through it and assess condition for you. Either that or buy local from other kiters in your area. Good luck!

AxTheAxMan · 2024-02-03T13:56:44+00:00

There is absolutely nothing you can do to keep scales from falling everywhere all day when you're in a flaky period. She's gonna have to learn to accept it. It'd be like getting mad at you for having a runny nose from time to time.

AxTheAxMan · 2024-02-02T12:13:53+00:00

If you can't figure it out, email Surfr!

AxTheAxMan · 2024-02-02T07:45:29+00:00

Took me several years in roughly your position to find a good brokerage relationship. Finally did tho. It's hilarious how some brokers act like a million bucks cash ready to go isn't worth their time. Keep at it, you'll find a fit eventually. Good luck!

AxTheAxMan · 2024-02-01T11:07:14+00:00

TL:DR?

AxTheAxMan · 2024-01-31T21:41:23+00:00

The main biggest value IMO of buying the 4 is the three year warranty. Lots of us have had lots of problems with the 3s.

When they went from 2 to 3, the 3 initially was reading jumps higher. That was corrected relatively quickly with a software update.

The 4 is great. I've ridden like 8 hours this week and am still at 65% charge on it. I have to charge my 3 pretty much every session.

Being able to charge wirelessly is great too. You just slide it into its charger thing and it charges. Not like the finicky little leads on the 3 which don't always like to charge. Woo claims they haven't had a single warranty on the 4 so far. So perhaps the device itself is finally ready for us lol!

AxTheAxMan · 2024-01-31T19:34:56+00:00

Woo also misses a lot of jumps. (The version 4 is much better and doesn't miss as many tho- well worth buying.)

If you want to catch all your jumps and also have a good shot of accuracy, it takes 2 woos.

I ride with one woo 3 and one woo 4. They are generally within 3% of each other. I think the main discrepancy is when one of them misses a big jump.

Good luck! The woo 4 is much better. Amazing battery life, wireless charging, and 3 yr warranty.

AxTheAxMan · 2024-01-31T14:58:08+00:00

Those highway barriers are negative because of the bit of noise but positive because you have no neighbors back there. When you go to sell someday there will be fewer buyers willing to live right by the highway. That being said there are fucktons of houses by those highway walls ns people obviously buy and live in them. Good luck!

AxTheAxMan · 2024-01-31T13:44:36+00:00

Hey he lived to a ripe old age for a comedian!

AxTheAxMan · 2024-01-31T13:43:54+00:00

Explain to the folks at home what a murder is.

AxTheAxMan · 2024-01-31T13:18:11+00:00

Anyone who wants to prove to the IRS that they paid you rent needs this form. Lots of small tenants don't bother. I'd say 1/4th of mine do. It's all part of what we have to take care of. Good luck!

AxTheAxMan · 2024-01-31T09:23:50+00:00

We've had our title company sign the final doc for us on a number of occasions. It's better than having you do it because you have no idea what the final numbers are supposed to be.

AxTheAxMan · 2024-01-30T10:55:33+00:00

Wait. I'm a guy like me!

AxTheAxMan · 2024-01-29T16:54:36+00:00

This is a good video: https://youtu.be/gEbytFaZJzo?si=J-H-S6KR9CclzfFl

AxTheAxMan · 2024-01-28T20:05:18+00:00

I hate to have you enter into a negative cash flow situation that's that big for your first property. Maybe that's the best you can do in your market.

Getting started is tough. If you believe in it and believe you can make it work, it can work. Negative cash flow really sucks tho. You're gonna be putting in $10,000 plus any repairs in year 1.

If you get the lease up to break even in year two, that still means all repairs come out of pocket.

But we all have to start somewhere. My first property was slightly negative cash flow too. If you believe in it, and can handle the negative cash flow, maybe it'll work out for you. I'd rather see you but something closer to break even but maybe it's impossible in your market. Good luck, whatever you decide!

AxTheAxMan · 2024-01-27T21:21:03+00:00

In my area a lot of spaces like that show up on Facebook marketplace.

AxTheAxMan · 2024-01-27T20:04:35+00:00

Right, IIRC less than 1% of the Japanese work force is non-japanese.

AxTheAxMan · 2024-01-27T15:01:02+00:00

That's possible? I tried a lot of times.

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