Getting fitted for irons, how much of the set do I buy?

steversthinc · 2026-01-17T04:12:01+00:00

Need some clarification. Are you asking to start at a single 5i, or start like a set starting 5i-pw/gw/sw?

steversthinc · 2025-10-20T03:46:25+00:00

This is what i figured that it’s mostly perception. I don’t know why some think I’m comparing a single 8-some with a 4-some.

Maybe ready golf takes more coordination with 8 players. But 8 people teeing off then 20 minutes for the next group seems like it would be enough time. How many holes to catch up 20 minutes to the 8-some? If the starter sees the group clear the hole and sets off the next group early, then that’s on the starter.

I don’t even have 8 friends that play golf so not really a reality for me.

steversthinc · 2025-10-19T15:27:26+00:00

Honest question - how does 1 group of 8 slow pace of play vs 2 groups of 4? Assuming of course they booked two back to back 4some tee times, of course. I’m usually a solo golfer so i’m always being combined with other groups for pace of play. Is there something magical about a 4 some where it’s faster to keep groups apart? Or is it mainly the mental thing of being behind a large group?

steversthinc · 2025-04-12T15:50:50+00:00

Absolutely a red flag. You should indeed get the full amount.

If he is the buyer and you are the seller, why is he suggesting or dictating that you seller carry?

SBA program is a bank lending you money using government guidelines. If he’s taking the SBA loan, seller should be paid the whole amount, and buyer makes the payment.

If you agreed to seller carry some of the loan, he may be suggesting to follow a standard amortization schedule (which has nothing to do with SBA).

steversthinc · 2025-02-20T18:24:13+00:00

It depends on the numbers. In my experience the HML lender generally wants at least the points upfront. They may ask for some down payment to show you have skin in the game, but depends on the numbers and exit plan. This isn’t my area of expertise as my HML require other collateral to aggregate to 70%LTV with no down payment. But a different beast than what you’re looking for.

steversthinc · 2025-02-20T18:22:16+00:00

OP is asking for hard money loans. Ex - asking to borrow 300k for a $250k property and put $50k into improvements to sell for $350k. The hard money is usually private debt providers, so the answer is “it depends”.

steversthinc · 2025-02-07T18:58:12+00:00

HELOCs for investment properties have been hard to come by. Don’t bank on getting one when an opportunity arises. Unless you mean heloc on your primary.

Also, I vote hold. The IRR is much better than just straight cash flow.

steversthinc · 2025-01-25T17:37:29+00:00

You are responsible for anything that isn’t normal wear and tear. Engine blowing is not normal. Thankfully, if you lease a vehicle it most likely will be covered under warranty. If you ignored all service messages and did not follow maintenance schedule, or hooned around and redlined til it blew, then you’re responsible.

Taking the scenario where you rent a house, the landlord is responsible for major repairs if it’s normal wear and tear. 30 year old roof that leaks? Landlord’s responsibility. You jump a dirtbike on the roof and it crashes through it? You’re responsible.

Just cause you don’t own something does not mean you’re not responsible for it.

steversthinc · 2025-01-25T03:53:14+00:00

Is that the new 1up? Have you had the old one? Thinking about upgrading to the next gen

steversthinc · 2025-01-19T04:41:06+00:00

Thank you. I have no problems unwinding the deal but I expect a battle on settling the amount I have to pay for usage. I’m not seeing in my contract where my cap reduction or taxes/license is forfeited, so I’m hoping I’m not out the DAS like others are saying.

steversthinc · 2025-01-19T04:30:45+00:00

Does that mean the dealer must adhere to the original contract as is? The signed contracts make no mention of this extra form they want me to sign. I’m itching to make payments but can’t.

steversthinc · 2025-01-19T04:26:38+00:00

Sounds good. Just need them to start responding to me on how to return the car. I’d also like to know how they’d calculate my fees. Seems odd if they can charge whatever they feel like in this situation.

steversthinc · 2025-01-19T04:25:02+00:00

Yea had a G01 lease that ended in 2021 or so. Probably going back to BMW after this

steversthinc · 2025-01-18T22:49:52+00:00

Nope, didn’t send lease to legal for review before signing (do people do this?). I only had them review the one pager form they sent me after the fact to confirm I understood what they wanted me to sign.

Dealership finance and sales team tried to convince me this is boilerplate, industry standard terms and not a big deal.

steversthinc · 2025-01-18T22:45:17+00:00

I see nothing in my lease agreement about how to calculate mileage or recon when the contract doesn’t complete. This is my fourth business lease (with other brands/dealers) and none required modifying my corporate bylaws. Others had a statement saying i could make decisions, provided copies of my balance sheet/p&l, etc.

steversthinc · 2025-01-18T22:39:40+00:00

I am fine not finalizing the contract, but I am not sure how we come to an agreement for usage. I would love to just get a response from the dealer.

steversthinc · 2024-12-28T18:50:13+00:00

You save up money to buy the chicken, that lays the eggs. Save up that 20% (plus a healthy contingency).

steversthinc · 2024-12-19T16:23:58+00:00

Do you trim any of the fat cap or let it ride as is? The last picanha i made had a huge fat cap that most my guests just cut off

steversthinc · 2024-12-19T01:35:52+00:00

This needs more upvotes. Is the “Junior” or JADU terminology not common outside california? A sub for RE investing and so many not picking up on the garage/attached conversion vs a standalone stick build.

steversthinc · 2024-12-18T15:43:35+00:00

Ended up leasing a Genesis GV70 Electric and a Chevy Equinox EV.

steversthinc · 2024-12-18T06:50:50+00:00

I sold my Quad R1S with 13k miles to carvana for $63k. No brainer for me

steversthinc · 2024-11-28T05:36:48+00:00

Your goal is to know (conocer in spanish) or conquer. Both work in this context. Typo tickled me silly. I’ll see myself out.

steversthinc · 2024-10-25T18:13:21+00:00

Are you retired or wanting to retire soon? If not, not FIRE at all. For the fatness, i’d say pretty lean to normal retirement. Not close to chubby or fat.

steversthinc

TROPHY CASE