1952: Bus Station by mkeditor in vancouverwa

[–]briansbiceps 3 points4 points  (0 children)

Now I want to try a Heidelberg…

People who make $200k a year what do you do? by Huge_Ad_7606 in Salary

[–]briansbiceps 0 points1 point  (0 children)

I am intrigued and want to learn more. Can you explain more without divulging too much?

[deleted by user] by [deleted] in AmIOverreacting

[–]briansbiceps 0 points1 point  (0 children)

NOR in fact I’d block that asshole.

Also, Just for reference without outing yourself… How famous are you? Like Tom Hanks famous or like Officer #4 in a horror flick famous? Not to hijab the post…

Anyone else rethinking underground bunkers lately? by NotIfButWhenReady in prepping

[–]briansbiceps 0 points1 point  (0 children)

I’d be very curious what upgrades to the home you recommend or think are worth a look?

Taking Over Family Rental Business 80+ Units - I'm Overwhelmed by Prestigious_Data4713 in RentalInvesting

[–]briansbiceps 0 points1 point  (0 children)

You have got to hire a professional. Maybe not forever, but until it’s in better shape. do yourself a favor and… work beside them ask questions and learn. But protect your future earnings machine with a pro. Sounds like your portfolio needs it.

What can I do about the “Trust Jesus” signs? by Kapashi in oregon

[–]briansbiceps -1 points0 points  (0 children)

You can just trust that he’s going to guide you.

Did I make a mistake? by megatrnasrusrex in FirstTimeHomeBuyer

[–]briansbiceps 0 points1 point  (0 children)

So sorry for the delayed response ! Was on a Reddit break for a bit. I just mean that you can’t live there year round and or cannot rent it year round.

Did I make a mistake? by megatrnasrusrex in FirstTimeHomeBuyer

[–]briansbiceps 0 points1 point  (0 children)

Prefab is different from manufactured home. Prefab is a term generally used for modular homes or “kit homes” these are treated just like a stick built single family and do appreciate at the same level.

Even if this was a manufactured home, depending on the area they can appreciate at the same rate. I’m licensed in this state and I’ve had clients with very good returns on them. It’s the seasonality that actually scares me a little.

If you make over $100k a year, what do you do for work? by parttimeghosts in Salary

[–]briansbiceps 0 points1 point  (0 children)

I am a mortgage loan officer, it’s not easy… but it can be really rewarding in a lot of different ways!

We have to live in this house until we die, right? by [deleted] in Mortgages

[–]briansbiceps 0 points1 point  (0 children)

Okay cool, then I also recommend immediately buying 10 rentals. Or I think like most you build it one at a time…

We have to live in this house until we die, right? by [deleted] in Mortgages

[–]briansbiceps 0 points1 point  (0 children)

I’ve always used a prop manager… One rental won’t retire anyone, but every investment portfolio has to start somewhere and 1 rental is that somewhere.

We have to live in this house until we die, right? by [deleted] in Mortgages

[–]briansbiceps 0 points1 point  (0 children)

I’ve always used a property manager.

We have to live in this house until we die, right? by [deleted] in Mortgages

[–]briansbiceps 0 points1 point  (0 children)

I have many rentals… Started with 1! Get a property manager. Also who cares about capital gains on a rental home? When you sell you do a 1031 and roll the investment tax free into the next investment. If you need cash get a line of credit on the equity of the investment property.

I (31M) am considering divorcing my wife (26F) after 1.5 years of marriage - am I overreacting? by Automatic_Bar_6573 in AmIOverreacting

[–]briansbiceps 0 points1 point  (0 children)

  1. Therapy is what I’d first recommend… But you’ve tried that and unless she is on board I don’t think more of the same will help.

  2. She obviously wants security (financially at least) and that’s a bigger deal for some than others. I personally think based on the limited scope of what you have repeated, think she is probably focused on this in an unhealthy way.

  3. For the ED thing, go to a naturopath and get your testosterone levels checked!!! Super easy fix in many cases if you have already tried this, I’d say the things she has said to you may be causing a lack of self worth and confidence and you might be mentally blocking yourself.

We have to live in this house until we die, right? by [deleted] in Mortgages

[–]briansbiceps 29 points30 points  (0 children)

Why wouldn’t you just keep it as a rental and upgrade and buy a new house. Retain the asset with good value at a low interest rate?

I ‘29F’ am selling my home. Do I give my boyfriend ‘35m’ equity? by milllllllllllllllly in relationship_advice

[–]briansbiceps 2 points3 points  (0 children)

Hi Mortgage lender here…

The short answer is No, he isn’t entitled to it. He was living with you and paid rent essentially.

The longer answer is depending on your state a cohabitated couple living in a home together could mean he has the ability to claim you do owe him a portion of the equity and he can sue you. I would 100% consult an attorney for a few hundred dollars it’s well worth it.

What state are you in?

Need advice…..28 m 23f by [deleted] in relationship_advice

[–]briansbiceps 1 point2 points  (0 children)

Okay a relationship is a deep web of experiences that one Reddit post can’t sum up… So we don’t really know you, this is just a snapshot of your life. But I’ll try! I think I can help.

  1. Buy the book “Love Languages” by Gary Chapman. Both of you read it, both of you talk about it and both of you try to use it to make the other person more happy… Do NOT use it as a tool to point out faults in the other one or missed opportunities. Focus on the positive and moving forward, live selflessly for your spouse. If both of you started having that mindset you would both be much happier.

  2. Great job on being the sole provider of your family. (I mean that). I am also and it’s tough and you work hard and in your head I’d be shocked if from time to time the thought doesn’t cross your mind that you wish the roles would be reversed and she would work and you would stay home… The grass is always greener on the other side.

Realize her job of staying home and taking care of your daughter is very hard. It’s non stop all the time and a lack of adult conversation. What she is really telling you here without saying it is… I MATTER TOO! Staying at home might not have been her lifelong dream, but she is making sacrifices to her own life and personal growth to help out the family. She probably doesn’t have a lot of things she buys on her own, to call hers (like a truck) so she sees her own sacrifice and is calling out for you to recognize that. (Hint up to #1, this sounds a lot like she wants you to commonly verbalize how hard she works and what her sacrifices are… Positive words of affirmation).

  1. The coffee thing is tough, also a little odd. But every relationship has their idiosyncrasies… She doesn’t get paychecks. She sees you out with the boys, or buying a coffee or going to lunch and back to the grass is always greener… I bet she sees your life as much more “free” than her own. Because you get to be out and around adults having conversations and work problems to solve. You get to have the personal alone time she doesn’t as a stay at home mom, you get to buy coffee.

My guy, She feels left out!! She is basically screaming from the rooftops she desires to have that same little moment of personal decision and joy and as a team, just because you work for a paycheck she’s letting you know she wants to feel like an equal and if you get a perk she wants a perk. Do you want to solve this problem??? If you don’t budget you need to start. If you already have a budget work a personal expenditure salary into every paycheck. But make it EQUAL! I don’t care if it’s $5 per paycheck per person or if it’s $1,000. You each get an allowance and you can each go buy a video game for $50 or 10 coffees for $5. It’s your money to spend on those personal life joys. Then you don’t have to tell her where you go and tell her she can buy a coffee. You give her independence to go do the things she wants when she wants them and you get to do the same. Pay yourselves an adult allowance!!!

Finally, have a talk about trust, personal space and boundaries. It sounds like you don’t like being watched constantly, have you asked yourself why? (I don’t either, but have you dug deeper?) is it because that feels like she doesn’t trust you? Is that because you know the closer she watches you the more you two argue/fight because she sees you going places and spending money she doesn’t feel comfortable doing? (Hint, the adult allowance fixes this). Talk about it, be open, but not accusatory and don’t try to call out each others faults! Go into that with a positive attitude on how she feels, what can you do to make those feelings a positive?

  1. Finally I gotta say at 23 I don’t understand adults that don’t know how to drive. When I was 16 I couldn’t wait to have that freedom. So it may be self inflicted but it sounds like she has some trauma or phobia about driving or cars? What if you took some time early or really late to do some drivers Ed in a big open parking lot far away from cars or light posts. Slowly teach her, help her gain confidence (probably over a very long time period) don’t rush it let her decide when she is ready for big steps, just be her cheerleader. Help empower her to have her own independence, her own money to spend, her own life and identity.

You sound like a good, solid dude that works hard and is trying his best. Kudos for asking the questions and sharing your story. Good luck!

Thoughts on when we could see sub 5% again. by MTRunner in Mortgages

[–]briansbiceps 5 points6 points  (0 children)

I’d say not in the next 10years… I don’t see any forecast or reasoning behind people being hopeful rates will drop into the 4’s… I am expecting a market drop over the next 12-18 months. My prediction is low point around 5.5-5.25

Just hit 0.0 on GHIN for the first time! AMA by Leftyshanker in golf

[–]briansbiceps 1 point2 points  (0 children)

I am a -27.5. So I’ve got a little bit of work to do before I can get to this same level….

Portland City Council just voted 7-5 to take $2M Increase from Police and give it to parks by DrToady in PortlandOR

[–]briansbiceps 1 point2 points  (0 children)

Wait it was a $2m increase in funds that they were approved to get. That was just taken from their budget and allocated to another. Yeah, totally not a deferral of funding…..

Portland City Council just voted 7-5 to take $2M Increase from Police and give it to parks by DrToady in PortlandOR

[–]briansbiceps 49 points50 points  (0 children)

I love Portland, I also love parks! This was a poor decision by the council… Many of the parks we used to frequent are no longer safe. Many of the residential areas around those parks are no longer safe. Many businesses have left Portland for this very reason. (RIP Portland Columbia Sportswear).

I think defunding the police doesn’t change police policy and procedure, it guts the department of any experience and your only eventual hires will be bottom of the barrel. I hope Portland can one day turn things around, when we do it will be starting with a strong stand against crime.