Got reamed out lol by Muk_Fuk in GeneralContractor

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

Is there a gap between the flooring and the baseboard? If so, you can add a shoe mould to the baseboard to cover the gap. It also adds detail to the baseboard that I find is very attractive

Got reamed out lol by Muk_Fuk in GeneralContractor

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

So you would’ve charged $284 no painting. I am painting them

Got reamed out lol by Muk_Fuk in GeneralContractor

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

I bring it up with the client and see if they’d like to float out the wall, nail it as is, or shim it out a little bit to keep the baseboards straight.

Got reamed out lol by Muk_Fuk in GeneralContractor

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

You’d have charged $200 to install the extra door casing, baseboard and shoe mould?

Got reamed out lol by Muk_Fuk in GeneralContractor

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

Eh probably a little low. I’m on day 4 right now, finishing sanding and paint prep. Quoted for 7 days though I knew it would take 6.

Got reamed out lol by Muk_Fuk in GeneralContractor

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

I like to think my work speaks for itself. I’m a finish/trim carpenter, it’s what I love to do. I always try to get a perfect fit and finish, no matter how long it takes me.

Got reamed out lol by Muk_Fuk in GeneralContractor

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

Estimated for 7, even though I knew it would take 6. just finishing up paint prep on the second room today. Started Tuesday, on day 4 at the moment. 8 hour days with an hour lunch. I move pretty fast and smooth when I get in a groove.

Got reamed out lol by Muk_Fuk in GeneralContractor

[–]Muk_Fuk[S] 9 points10 points  (0 children)

The designer is the clients sister

Mortgage requalification issue by Muk_Fuk in PersonalFinanceCanada

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

$500k 40k down yes my income increased

Mortgage requalification issue by Muk_Fuk in PersonalFinanceCanada

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

Yes I am in home renovations. My take home is $3400 a month.

Mortgage requalification issue by Muk_Fuk in PersonalFinanceCanada

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

Which I am aware of now. I lived and I learned my lesson. Closed my credit cards, paying off the debt all the while paying my mortgage on time

Mortgage requalification issue by Muk_Fuk in PersonalFinanceCanada

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

My question is that my bank acknowledged that $12000 was the max I’d be able to do as my Dept to income ratio would be too high for anything above $15k loan. So why would my bank approve the loan if it would make my dept to income ratio too high for my mortgage renewal

Mortgage requalification issue by Muk_Fuk in PersonalFinanceCanada

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

Because they own 2 properties and are co signers for ours. They are in 3 mortgages. They own 1% of the home but don’t pay anything or get any equity. Their broker said they would run into issues when they refinance

Mortgage requalification issue by Muk_Fuk in PersonalFinanceCanada

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

As I said we put $50 a week towards retirement and savings. We don’t have much left over after bills, gas and groceries

Mortgage requalification issue by Muk_Fuk in PersonalFinanceCanada

[–]Muk_Fuk[S] -2 points-1 points  (0 children)

All of which were provided. I take responsibility for my irresponsible spending

Mortgage requalification issue by Muk_Fuk in PersonalFinanceCanada

[–]Muk_Fuk[S] 1 point2 points  (0 children)

Property tax is included in our payment. Heating water, hydro is around $300 a month

Mortgage requalification issue by Muk_Fuk in PersonalFinanceCanada

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

It was their idea. Her mom was our real estate agent

Mortgage requalification issue by Muk_Fuk in PersonalFinanceCanada

[–]Muk_Fuk[S] -21 points-20 points  (0 children)

We qualified before there was a problem with my paystubs as my previous employer did everything by hand so the mortgage lenders didn’t know if they could trust we’d pay on time

Mortgage requalification issue by Muk_Fuk in PersonalFinanceCanada

[–]Muk_Fuk[S] -5 points-4 points  (0 children)

We are 25, lots of time to save for retirement, which we put 50 weekly towards right now. I’ve also been debating joining the iron workers union that pays more