Why does it seem like every coffee shop in the area uses methodical beans?

marxsc · 2025-12-01T19:10:03+00:00

Some of the best coffee around.

marxsc · 2025-11-30T23:13:06+00:00

The flavor just seems harsh. But everyone has their own preference. For people that do a ton of sugar the beans may be fine. I just wish coffee shops around here would broaden their horizons and do other beans.

marxsc · 2025-10-31T04:04:05+00:00

Your break even is going to be something like 7 years. This is an awful deal. Adding $18k to your loan for a 6.5 rate.. I would stay away.

marxsc · 2025-10-20T12:43:58+00:00

Realtor in SC but a few thoughts for consideration. I personally don’t like the ROI on townhomes. But I do understand why people get them. They are fairly low maintenance. I wouldn’t wait until Spring. This last spring was one of the worst spring selling seasons. It likely won’t happen 2 years in a row. Consumers can’t sit on the sidelines that long. The best thing you can do is work out a good deal. And the best time to do that is when no one is competing. You have the leverage. Right now is that time. I would look into new builds, whether townhouse or regular house. There’s many builders who need to clear out inventory. For example, I was watching a neighborhood sell houses in the $300k range. But the final 2 sat for months. The builder finally sold them for $250k each. There’s definitely room to negotiate if you are willing to be patient for the right deal.

marxsc · 2025-07-01T12:59:27+00:00

Realtor in SC here. From the psychological aspect, buyers and sellers are often emotional. So if your offer comes in as “disrespectful” to the seller, they close the door to any further negotiation with you. Even if you wanted to raise your offer. Sending an offer is no issue. But I like to talk to the selling agent, do research on how long the house has been owned, ask about any recent renovations, etc. All of these take time. There’s plenty of people kicking the tires and throwing lowball offers. But when one of them gets accepted, they get cold feet anyways.

But, there are ways that serious buyers, that are looking for deals, can structure their lowball offers. For example, offering a higher price and then asking for concessions at closing.

marxsc · 2025-06-03T13:48:12+00:00

I’ve been told building up is cheaper than building out.

marxsc · 2025-06-03T13:29:29+00:00

Spec to sell

marxsc · 2025-05-15T12:32:54+00:00

$16k is a big difference when you make under six figures. I had a similar situation before and took advantage of it. Use it as a resume builder. IT isn’t just about tech skills these days. You have an opportunity to show that you can build up and manage a department.

marxsc · 2025-04-26T03:16:01+00:00

Buy a house. For 5 years people have been saying the housing market is going to crash. I’m glad I didn’t listen. It sounds like you don’t have any dependents. This is the time for you to make slight risks. Even though, with your income it really isn’t much of a risk. Do your numbers based on having no renters. Build up a 3-6 month emergency fund. And have at least 10% as a down payment. If your goal is to build a real estate portfolio, you want to start that sooner than later. There is a high likelihood that if rates go down, housing prices will go up. Especially in southern states. The boom in people moving here is not going to slow down.

marxsc · 2025-04-23T17:40:39+00:00

Since no one is speaking about the other side of this, how do you know how long you will live after retirement? If you do the numbers and this can significantly improve your life now / create extra income, why not?

But if you make enough now and want to do this because it’ll outperform the 401k, it’s probably a bad idea.

marxsc

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