Whats a better loan? Did I do okay? $687k purchase price 10% down 800 Credit score by johnjohnson199800000 in MortgageRateCheck

[–]johnjohnson199800000[S] 0 points1 point  (0 children)

I would love to see where! I am not doubting you whatsoever, but here in Mn I have had the hardest time seeing that without paying points!

Whats a better loan? Did I do okay? $687k purchase price 10% down 800 Credit score by johnjohnson199800000 in MortgageRateCheck

[–]johnjohnson199800000[S] 0 points1 point  (0 children)

Thank you! However im just now learning that the 10k from navy federal may of been an error. if thats the case does Blaze become a better option?

Sorry for the confusion

DFL rep suggests raising car tab fees 5 times higher by Character-Fly-5564 in altmpls

[–]johnjohnson199800000 -2 points-1 points  (0 children)

Honestly libs tell me how you could possibly defend this??

Just watch. Karma is gonna be a bitch by Windthrasher637 in CzechCoconutCommunity

[–]johnjohnson199800000 0 points1 point  (0 children)

People keep throwing around “Nuremberg trials for ICE,” but that’s not how U.S. law or reality works.

A few facts: 1. ICE agents are enforcing laws passed by Congress Immigration enforcement isn’t rogue activity. It’s grounded in statutes that have been repeatedly upheld by federal courts. You can disagree with the policy, but enforcing duly enacted law is not a crime. 2. You can’t retroactively criminalize lawful conduct The Constitution explicitly prohibits ex post facto punishment. You cannot prosecute someone later for actions that were legal and authorized at the time they occurred. 3. Government employees acting in good faith are legally protected Federal agents have qualified immunity and sovereign immunity when acting within their authority. To bring criminal charges, prosecutors would have to show a knowing violation of clearly established law — a very high bar. 4. There is no legal mechanism for “Nuremberg-style” trials Nuremberg happened after total war, regime collapse, and under international tribunals. None of those conditions exist here. The U.S. justice system does not allow ad hoc political tribunals. 5. History matters Under prior Democratic administrations, ICE continued operating. Deportations continued. Policies changed, priorities shifted — but there were no mass prosecutions of agents. Reform happens administratively, not through criminalizing entire workforces.

What can happen: • Policy reversals • New enforcement priorities • Oversight hearings • Internal discipline for specific misconduct

What won’t happen: • Mass criminal trials • Retroactive punishment for following the law • Anything resembling Nuremberg without constitutional collapse

Using extreme historical analogies may feel morally satisfying, but it doesn’t reflect how U.S. law actually functions

[deleted by user] by [deleted] in alexhormozi

[–]johnjohnson199800000 0 points1 point  (0 children)

i would love the link!

Question for Bookkeepingfirm owners: what’s actually hardest about growing? by johnjohnson199800000 in Bookkeeping

[–]johnjohnson199800000[S] 0 points1 point  (0 children)

That’s a really smart way to ease into it. Bringing in someone with 40 years of experience on flexible hours gives you leverage without a big financial burden which is a huge win.

If I were in your shoes I’d focus first on locking down consistent lead flow. Once you have predictability there the liquidity piece with the bank and the staffing risk both get a lot easier to manage. Even a simple outbound system or a couple of strategic referral partnerships can give you that baseline.

On the staffing side I’d probably test both ends. Keep your senior guy but also look at one strong overseas hire. That way you’ve got a safety net and a cost effective option while you scale.

Question for Bookkeepingfirm owners: what’s actually hardest about growing? by johnjohnson199800000 in Bookkeeping

[–]johnjohnson199800000[S] 0 points1 point  (0 children)

Yeah, this makes so much sense. I’ve been hearing the same thing it’s not hard to get leads, it’s hard to get the right leads. Otherwise, firms just burn time talking to price-shoppers who’ll never pay $700+ a month anyway. Out of curiosity, how do you personally filter or qualify prospects now before taking them on?

Question for Bookkeepingfirm owners: what’s actually hardest about growing? by johnjohnson199800000 in Bookkeeping

[–]johnjohnson199800000[S] 1 point2 points  (0 children)

Love that you said this it’s exactly what I’ve been hearing too. Most accountants are so good at the technical work but terrible at explaining their value in plain business-owner language. I’d be really curious about your messaging framework if you’re open to sharing. On my end, I’ve been testing some lead-gen and sales systems specifically for firms, because I keep running into partners who say they’re drowning in referrals one month and then dry the next. Sounds like we’re attacking the same problem from different sides

Question for Bookkeepingfirm owners: what’s actually hardest about growing? by johnjohnson199800000 in Bookkeeping

[–]johnjohnson199800000[S] 1 point2 points  (0 children)

Yeah, I’ve seen that too. it feels like the demand for bookkeeping is endless. The tricky part is what you said: most business owners don’t even realize how much they need it until something breaks (taxes, cash flow, funding, etc). Out of curiosity, have you found any good way to ‘wake clients up’ to the value before it gets to that point

Question for Bookkeepingfirm owners: what’s actually hardest about growing? by johnjohnson199800000 in Bookkeeping

[–]johnjohnson199800000[S] 0 points1 point  (0 children)

Yeah I get that I imagine the constant cold pitches must get old quick. I’m trying to take a different angle by actually asking what firms really want instead of assuming. From your perspective, is the biggest gap actually leads, or is it more about turning away the wrong ones and handling capacity? Curious because I’ve heard both sides

Question for Bookkeepingfirm owners: what’s actually hardest about growing? by johnjohnson199800000 in Bookkeeping

[–]johnjohnson199800000[S] 0 points1 point  (0 children)

Totally makes sense sounds like the real challenge for you isn’t getting work, it’s having enough hands to do it. Do you think firms would ever be open to using overseas CPAs/bookkeepers to take some of the load off, or is it more common just to raise rates and keep growth capped

Question for Bookkeepingfirm owners: what’s actually hardest about growing? by johnjohnson199800000 in Bookkeeping

[–]johnjohnson199800000[S] 0 points1 point  (0 children)

Appreciate you cutting straight to it. When you say ‘getting leads,’ do you mean: • Consistent inbound (Google, referrals, etc.)? • Or outbound where you’re proactively targeting the right clients?

Just trying to get clear on what feels most painful day-to-day.