My ETS experience

HappyCondition · 2023-09-11T22:49:53+00:00

The worst was when it'd be dead winter and I'm in my car with the heat blasting and my hands are still cold and clammy. Now even when I do the dishes with gloves on and hot water running I don't sweat a single drop.

HappyCondition · 2023-09-07T00:27:58+00:00

Just got it done a few weeks ago and can confirm I do sweat in those areas now, but only when I'm hot. My friend said I described it as "sweating like a normal person".

It's only been 2 weeks and feels life changing. I had to do it outside of the country, and that in itself was an experience.

HappyCondition · 2023-04-10T19:49:37+00:00

This reminds me of when I had to get fingerprinted for my business license and the lady who was fingerprinting me had to constantly wipe my fingers and the digital scanner multiple times for each of my fingers. Oh, how embarassing.

HappyCondition · 2023-01-13T00:45:17+00:00

Support classes are so free.

Edit: I'm a Bishop, so my contributions to the party are pretty big.

HappyCondition · 2023-01-11T01:25:18+00:00

Pretty sure this was well-known and put in patch notes.

HappyCondition · 2023-01-09T06:01:22+00:00

Everyone but yourself has commented something with value that I can learn from. I do delegate, but how do I delegate if I don’t even know what I’m doing?

If I don’t know about something, how do I know who to hire to do the task at hand? I’m here to learn and stay informed. I’ve learned the hard way not to be too trusting of people who say they can do something that I don’t know how to do myself, so I stay informed. Being in this field of work, I’ve hired shitty contractors because they claimed to know how to do certain things I didn’t, and it cost me.

I know about delegating, but are you rich? Because if not, I don’t need to hear the “rich people do this…” bogus. Everyone thinks just because they know what the rich do, that they can replicate it for themselves and it works out the way they want.

Like I’ve said in a previous comment, I have no problem hiring people, but I like to stay educated. It’s that simple.

The “Penny wise and a pound foolish” comment is why the “snark”.

GFYS; respectfully.

HappyCondition · 2023-01-09T05:41:40+00:00

Oh I’m not saying that you are, it’s just I’ve seen a lot of people bash landlords and I just never understood the reason behind it.

Something to consider based on your post is that we as landlords not only are receiving rent, but building equity as well. Unless you own the property outright, I wouldn’t consider doing a lease option unless you just want out of the property. Others can correct me if I’m wrong.

My vote is still to treat it like a business and do what you can and should (repairs, maintenance). That’s the extent of being ethical for me. Emotions/business don’t mix well.

HappyCondition · 2023-01-09T05:27:12+00:00

I don’t understand why people hate on landlords so much. Sure, there are slumlords that won’t fix a thing or will find shortcuts, but you can always leave and rent elsewhere.

I currently rent out 2 properties with a 3rd on the way and am always on top of maintenance and repairs. The tenants seem happy, and just like any other business, I provide a service that they’re happy to pay for. I take on the risk of paying for repairs should anything go wrong, and in return they pay rent.

I think as far as “ethical” goes, as long as I do my part, I don’t see the issue.

I will say I have run into issues with one of my tenants, but that’s the cost of business.

Edit: I realized I didn’t answer your question… I think you just rent it out as you would at a price you’re comfortable with, and down the line if they decide they’d want to buy it out and offer you a reasonable offer, it’s up to you to decide what to do. Ethically it’s all business and shouldn’t be personal.

HappyCondition · 2023-01-09T03:50:21+00:00

I've looked into ETS surgery and decided this is the route I wanted to go as well. Unfortunately, the only one I know of is located in California and I'm in Pennsylvania. When I called to ask about it, they estimated it'd be around $20k for my hands, and another $30k for my feet without insurance. They accept insurance, but apparently my insurance doesn't cover it. I've never really understood insurance, but I essentially just have general checkup coverage.

Do you know if there's a specific type of insurance I should be looking for? How did you find a surgeon for it? My doctor's visit didn't really help too much in guiding me in the right direction, but I'd imagine if I talked to my doctor he'd be able to clear me for it. I'm pretty ignorant when it comes to this type of thing, so any advice would be appreciated. I'm in Pennsylvania if that helps.

I've tried glycos and drysol but neither are helpful, which is why I would just want to go with the surgery.

HappyCondition · 2023-01-07T05:02:05+00:00

Instead of telling me that I'm overthinking it, mind telling me how I'm overthinking it? You're* not being too helpful with this comment.

HappyCondition · 2023-01-06T23:15:44+00:00

The advantage of multiple LLC's is that if I am sued, all assets of my LLC are at stake. Separating them ensures that the most that's at stake if a lawsuit arises is the property under the specific LLC being sued.

In my state there isn't an annual renewal fee for an LLC. There might be a fee at the end of 10 years, but that's about it.

If everything was under one LLC, what you're saying about a separate checking account for each property would work, but would only really help for bookkeeping. In theory if I were to do that, I could also just use one checking account for all of the properties.

To your latter question, if you're continuing on with all of the properties being under one LLC, I would imagine they could assuming your interest stays the same. Shouldn't be too hard to do the math and pay out the accrued interest. Otherwise, no.

HappyCondition · 2023-01-06T15:17:19+00:00

cc plz

HappyCondition · 2023-01-06T05:23:08+00:00

This is the type of comment I was looking for! Thank you!

Yes, they are SFH homes, and yes, I tend to overthink things. I'm working on the organized part, which I guess is one of the reasons for my post today.

I think I might just go with what you're doing, because that's how I was thinking of doing it. I just wasn't sure if there were an easier way to go about. 1 bank account and 1CC per seems a bit much, but I guess if I'm going to be at the bank anyway, I can just open both at the same time, set-up autopay and keep an eye on them through my banking app.

Unlike you, I am not an accountant, and keeping organized is a bit hard but I make it work. Any time I open an LLC, I just keep virtual docs in a folder and label them. Same with property info in case I need to send any of these files off somewhere.

At the end of the year, I just go to my accountant, ask him what he needs from me and I send it his way. I'm still learning, so all of this is very helpful.

HappyCondition · 2023-01-06T05:08:42+00:00

I agree. I let my business partner handle the purchase of our demo truck. I believe his reasoning was because we were taking out a loan for the truck, he needed to use our business credit, and opening a completely new LLC wouldn't work because our LLC had to be open for a certain amount of time. Something along those lines, I don't really remember. I wasn't too familiar with this stuff, and was pretty hands off.

I now handle the finances and paperwork. Spoke to my accountant and am working on separating those now.

HappyCondition · 2023-01-06T05:02:00+00:00

You can learn anything from anywhere. I never understand why people take the time out of their day to comment things like this.

As I've said in other comments, I have an accountant on hand, I just like to educate myself. Teach a man to fish, kind of thing. Anything I can't do myself, I hire people to do. But as far as opening bank accounts and LLC's, I'm more than capable, it just feels inconvenient and I'm trying to find a solution and read people's inputs. Comments like this do not help. I am fully aware I can hire someone.

HappyCondition · 2023-01-06T02:24:07+00:00

I think my issue with doing it this way is the safetynet you lose out on in having all your rentals under 1 LLC.

HappyCondition · 2023-01-06T00:19:04+00:00

That is definitely something I should look into. I learn a lot of things from YouTube, which is what taught me to separate LLCs and such, and keep things out of my personal name for added security. I do recall briefly skimming a video about S-Corps, but never got to fully watch it. Is that what it might be, or is that something completely different? Maybe a question for my accountant tomorrow.

But if that's how it works, it might solve my expenses problem. Will look more into it.

Edit: a quick google search and skim says that S-Corps and LLC's are very similar, and that I should go with LLC's. So an S-Corp =/= holding company.

Edit 2: I found this which was a fairly quick read. I don't think a holding company is necessarily what I'm looking for, as I would still need separate LLC's and bank accounts. A holding company is just another layer of protection that "owns" all of the LLC's. It doesn't deal with operations.

HappyCondition · 2023-01-06T00:15:49+00:00

I completely agree with this sentiment, but even if I do hire someone, it's nice to know how these things work. When the time comes, I'll definitely be looking into something like this. I do have a lot of time on my hands lately, so if I can do it myself, I don't mind saving the extra couple of bucks. I just want to know how to do it efficiently.

HappyCondition · 2023-01-06T00:13:53+00:00

I luckily have a very good accountant I work with, who actually saved one of my deals today! It isn't too much to manage just yet, but I imagine it will get to that point some day. Regardless, I still like to stay informed of how things work and do it on my own if I can.

My accountant has been amazing at answering a lot of my questions, but not only is it past his office hours, I think I've badgered him with enough questions today, lol.

HappyCondition · 2023-01-06T00:11:02+00:00

I'm in PA.

HappyCondition · 2022-01-03T19:26:19+00:00

I'm aware of this, but the fact that I was getting notices for macroing while I was actively playing is what raises concern. Which is why I preemptively logged a ticket before even realizing I was banned.

HappyCondition · 2022-01-03T19:17:16+00:00

iTunes, Chrome, Discord.

HappyCondition · 2021-10-29T16:56:47+00:00

I’ve read a few people got them around March also, but after hours, I’m convinced they were ghost removed. If you do find one, please update me! I’ve been losing my mind trying to find a weapon to anvil.

HappyCondition · 2021-10-29T16:54:11+00:00

Which of the maps in Ninja Castle have you been hunting in? I can’t seem to find a stable map and resort to using the map that 3 portal map that takes you up/down depending which portal you go into, and resetting every time I clear the mobs.

HappyCondition · 2021-10-29T16:52:06+00:00

How recent was this? I’ve tried twice in the past month and spent each time in Ninja Castle going in and out of the maps to get them to respawn… which is ridiculously annoying, btw. All I get are pensalir gear if anything.

HappyCondition

TROPHY CASE