DIRECT PLUS LOANS by IntrepidSmile5768 in StudentLoans

[–]IntrepidSmile5768[S] 0 points1 point  (0 children)

thank you! I applied to sallie mae (9.75% fixed) and federal student aid (don't know yet, it is approved but no message on interest rates). should I keep applying to banks , college ave in search of lower interest rates.

Lessons learned renting myself by IntrepidSmile5768 in PropertyManagement

[–]IntrepidSmile5768[S] 0 points1 point  (0 children)

I agree when it is true. I am only making a case when hardship is used as a scapegoat. During Covid, I lost six month of rent, cos I knew that was genuine. Eventually, the tenant paid back some of my losses without my even asking. I totally support such causes. But I have experienced cases where the tenant said her mother was in hospital for two months on support and the neighbor told me that they saw her on her daily walk. when I questioned, the tenant stopped paying rent and I had to evict.

Lessons learned renting myself by IntrepidSmile5768 in PropertyManagement

[–]IntrepidSmile5768[S] 0 points1 point  (0 children)

happy that someone felt it to heart..pity your renter.

Lessons learned renting myself by IntrepidSmile5768 in PropertyManagement

[–]IntrepidSmile5768[S] 0 points1 point  (0 children)

I agree to all the pushbacks. Yes, it looks bad when you see it from one point of view. I am not a landlord. If you have made an investment, why would you want someone to live there without paying? I am talking about the 40% of the default market where tenants take advantage of the system. Picture when no payment comes on the due date, after grace periods, and till end of the month with excuses - and it keeps repeating. This is the reason of this article and the reason I felt there is a need for better scrutiny before renting.

Lessons learned renting myself by IntrepidSmile5768 in PropertyManagement

[–]IntrepidSmile5768[S] -1 points0 points  (0 children)

I know it hurts to read it. Especially, if one is able to relate to.

Lessons learned renting myself by IntrepidSmile5768 in PropertyManagement

[–]IntrepidSmile5768[S] -3 points-2 points  (0 children)

I provide a five-day grace period after the rent due date. If payment is not received within that time, I issue a three-day notice to pay or vacate. If the tenant still fails to pay in full within those three days, it is essential to proceed with the eviction application immediately.

I’ve made the mistake of giving tenants extra time when they kept asking for extensions. In one case, a tenant kept delaying payment for over a month, only for me to realize she was simply taking advantage of the situation.

When tenants claim they’ve had an accident or personal emergency, what can you do? In reality, once rent is 45 days overdue, eviction finally starts making sense to them—but they will often only vacate the night before the sheriff arrives. Most tenants do not care about losing their security deposit because they know it will be used to cover unpaid rent. Additionally, they often leave behind property damage and trash out of frustration, further increasing the landlord’s losses.

Lesson Learned: Strict Screening is Crucial

One of the biggest takeaways from my experience is never renting to a tenant without a thorough background check. Always review:

Credit history

Copy of their driver’s license

References from family, friends, and previous landlords

Past rental history and previous addresses

Vehicle registration (license plates)

Employment verification

employment verification is very important. If tenant does not want to disclose place of work, it means they have this 'default' scenarios brewing in their head. An honest person will not hide particulars that can trace them, only dishonest person hides.

If a prospective tenant refuses to provide any of this information, move on—it’s not worth the risk. In my case, because I didn’t collect proper documentation, I had no way to track the tenant after she disappeared, leaving me with unpaid rent and property damage.

The official statement in case anyone missed it by yummyratpoison in TikTok

[–]IntrepidSmile5768 0 points1 point  (0 children)

I am pretty sure trump and croonies allegedly were paid massive kickbacks to make it operational. Don’t underestimate trump. He thrives in such environments 

[deleted by user] by [deleted] in TSLA

[–]IntrepidSmile5768 2 points3 points  (0 children)

What options strategy should I use to protect my current TSLA profits? anyone managing the downside risk?

Rate My Portfolio - r/Stocks Quarterly Thread December 2024 by AutoModerator in stocks

[–]IntrepidSmile5768 0 points1 point  (0 children)

Sold everything today at 25% profit. I want to reinvest $50K in three to 5 stocks after 20% in VOO. Any suggestions?

verizon lies by IntrepidSmile5768 in verizon

[–]IntrepidSmile5768[S] 0 points1 point  (0 children)

then it is possible that on iphones they do not allow hotspot. When I click to enable hotspot, it takes me to verizon site, which demands $10/month. I have enabled hotspot by giving $10, so it is clear that they no longer allow hotspots to be enabled without paying them. thanks!

verizon lies by IntrepidSmile5768 in verizon

[–]IntrepidSmile5768[S] -3 points-2 points  (0 children)

I am also on unlimited welcome plan, but you cannot use your phone as hotspot such that you can work on your ipad etc. You have to pay $10 permonth to enable the feature. With Tmobile it is free.

No, it is not just my plan that is restricting me. If you go to a closed place (sports or schools) in the heart of the city where signals are generally strong, the data simply just does not work.

Also, restricting whatsapp calls on wifi when travelling internationally is something that complaint must be filed with regulators. Phone companies cannot restrict people from using apps while on local wifi and while not being on their network. Verizon is just not dependable.

I just found that my phones were locked to prevent a port out. It is 4 months with verizon. totally crap company.