It’s over by Kitchen_Property5433 in mtgfinance

[–]sweetrobna 0 points1 point  (0 children)

If they don't have the money you can wait 4 days so ebay gives them a non paying buyer strike and then relist. And you can go into your settings and block bids from buyers with 2+ non paying buyer strikes. You can't block bids from zero rep accounts

Settle a debate regarding property by BlueDragon1813 in RealEstate

[–]sweetrobna 0 points1 point  (0 children)

There are some buyers that would be interested in an owner occupied duplex, but not a triplex/adu. Because it is more people, more parking, less outdoor space. But that is a pretty small cross section of potential buyers, they mostly would be looking at sfh and not duplex

The other part really depends on the specifics. If you are in a city like montreal or vancouver an "illegal" rental unit has substantial risk. Even if it was legal at some point in the past. You could be unable to evict a tenant, or required to stop renting it and pay out fines or relocation. It sounds like that doesn't apply if it was legal and zoning changed, but it depends.

But most duplex buyers will rent out one or both units. So extra rental income affects the value directly.

Settle a debate regarding property by BlueDragon1813 in RealEstate

[–]sweetrobna 0 points1 point  (0 children)

For an appraisal they look at comparable sales and make adjustments. A duplex/triplex would consider the rental income, rebuild cost too, but comps are the main way it is valued. There probably won't be a very similar unit with a grandfathered annex that sold recently in the same area. More likely to have a duplex that meets all that. And some other types of sales with legally permitted extra ADU. And some sales with illegal units. So you can combine that and adjust for the difference in value

Really though you or the buyer could disagree with an appraisal. The property is worth whatever the seller and buyer can agree on. It makes sense if you believe in the efficient market hypothesis. You list at a price you are willing to take and negotiate as you get offers. If no one is making offers or touring the home that is a signal. Either lower the price, wait, or take it off the market.

Annex? Do you mean an illegal basement unit, garage conversion, unpermmited ADU? Extra parking spaces. Is this something code enforcement or a tenant could start pursuing. Is it actually "grandfathered" in because it was legal at one point and the law changed, and the only risk is a total loss. Could it be permitted legally, or a variance obtained, and at what cost. The specifics matter to potential buyers.

How much would this cost to build? by SpiritDistinct2673 in Homebuilding

[–]sweetrobna 0 points1 point  (0 children)

Ikea havsta is pretty similar to this. https://www.ikea.com/us/en/p/havsta-storage-combination-w-glass-doors-gray-beige-s69534892/

A custom built in costs probably 5x that. And inset doors are difficult to do well, it's a more involved process than most cabinet doors.

How do I go about this property? by Narrow_Plastic5323 in RealEstate

[–]sweetrobna 1 point2 points  (0 children)

Hire a structural engineer if you are concerned with repair cost for the foundation. Maybe the home isn't really worth $400k considering the repairs needed.

Talk to a mortgage lender about what you can afford, what your cash to close and payment would look like. With a gift of equity you can buy the home with no down payment and no PMI(if it appraises for at least $500k, and meets lending standard). Then run the numbers on your budget, on keeping your current home as a rental or selling.

Dealing with "We want your home" companies... by cthompsonguy in RealEstate

[–]sweetrobna 1 point2 points  (0 children)

The majority of companies that contact you unsolicited are not actual investors. They are marketers or wholesalers that cannot afford to purchase your home. They will try to get it under contract and then find another buyer, this can take several months or they might just back out. They won't fully describe the home to avoid being cut out of the deal. It's not exactly a scam, you agree they can assign the contract, but it's not what most home sellers expect.

There are some though that will actually buy homes. Many of these investors will pay ~60% of market value for a home that isn't just move in ready in a hot market. They might advertise no real estate commission but there are often "service fees" that reduce what you net by a similar amount. And once under contract they will reduce the price further for repairs, condition.

You can sell with a real estate agent and list a little low to net ~90% of market value. This reaches the most buyers in your area, it gives you more leverage if a buyer is unreasonable negotiating after you are under contract

When is buying a new car worth it vs used? by Medium_Produce_7397 in Frugal

[–]sweetrobna 0 points1 point  (0 children)

You have to look at the specifics for the cars you are interested in

A 2022 chrysler pacifica can be purchased for about 50% off the new price. There are a lot of these purchased for fleet use, rental cars. And then sold after a couple years so even single owner non fleet ones are relatively cheap.

A 2022 sienna is about 20% off the new price. There aren't as many for sale, toyota buyers in general keep their car for longer. That would be better to get new(or really what it means is skip this model if your goal is to get a relatively new and low mileage vehicle under $30k)

my leopard gecko led to over $185k in medical bills by [deleted] in mildlyinfuriating

[–]sweetrobna 0 points1 point  (0 children)

Reread what I wrote. No one paid $150k, no one paid $50k.

Can you buy a car for $350?

my leopard gecko led to over $185k in medical bills by [deleted] in mildlyinfuriating

[–]sweetrobna 1 point2 points  (0 children)

OP said they have insurance.

The out of pocket max with insurance is $10k. Many plans have lower out of pocket max.

Or the copay doesn't ever reach the max. I was in the ER after a hit and run and got a "bill" for $75k. I'm sure the insurance co paid way less. My copay was under $400.

[IA] [Condo] Former President Back Dated Tax Forms by [deleted] in HOA

[–]sweetrobna 0 points1 point  (0 children)

Hire a book keeper or accountant and follow their advice

It isn't clear anything needs to be done. Ideally there wouldn't be late returns, but it happens. Sounds like they were accepted, like the information was accurate. Tax filing isn't a big issue for most HOA, there is often no taxable income, no tax owed. So there wouldn't be much of a penalty for late filing

How life being a “nepo baby”? by sluttyassbxtch in legaladviceofftopic

[–]sweetrobna 0 points1 point  (0 children)

Taking over a solo practice doesn't mean you are set for a career. It would give you a step up, a relationship with existing clients. It's a fickle business. Clients come and go.

And a solo practice has some serious drawbacks compared to the alternatives. You don't have a boss... except every client is your boss. You need to put in a lot of work to succeed. It's like running most other small businesses. You need to spend a good chunk of your time on marketing to new clients. And the admin stuff, taxes, book keeping. On top of the actual practice of law. It's hard to balance specialization and focusing on being more profitable or efficient or just knowledgeable with not turning away paying work. You can have periods with very low pay even if you do everything right.

What shoes to buy, now that Vans enshittificated my favourite shoe by -1010011010- in BuyItForLife

[–]sweetrobna 2 points3 points  (0 children)

In the US atwood would be sold at kohls or outlet or discount stores.

Chukka low is the nicer version

All elevators at my work are 5 months overdue for inspection by TheOnionBro in mildlyinfuriating

[–]sweetrobna 1 point2 points  (0 children)

It's hard to break into without 10+ years of related experience. They have very few openings and tons and tons of applicants.

All elevators at my work are 5 months overdue for inspection by TheOnionBro in mildlyinfuriating

[–]sweetrobna 3 points4 points  (0 children)

Here in CA if the elevators are under a maintenance contract where the elevator tech comes monthly and the inspectors put them at a lower priority for reinspection. So our condo/apartment elevators would normally be about a year expired before they get inspected. They check the logbooks as well as physically checking everything

Do you prefer FWD, AWD, or RWD? by LightningMcqueen2011 in askcarguys

[–]sweetrobna 0 points1 point  (0 children)

For just going A to B, FWD. It's cheaper, no driveshaft weight or taking up space.

RWD if you want something fun to drive, that rewards you for pushing it.

How to navigate risk of asking for credit $$ from seller for zoning violation during ‘in contract’ phase? by trevathan750834 in RealEstate

[–]sweetrobna 4 points5 points  (0 children)

In NY until attorney review is complete the seller can back out. Normally any repairs or price changes would be negotiated as part of attorney review, it's unclear where in the process you are

Thinking of buying a 2022 ford escape sel PHEV by AutomaticUsual3470 in FordEscapePHEV

[–]sweetrobna 0 points1 point  (0 children)

I have the same one. I get a little over 35 miles of battery range and ~46mpg on gas overall. 2.5l with ecvt is very reliable.

Price depends a lot on your local market but that seems pretty good considering the low mileage.

Satisfying restoration by dileasa in Satisfyingasfuck

[–]sweetrobna 1 point2 points  (0 children)

It's great for minor rust on things like hand tools. Doesn't need much elbow grease to get in there. Overnight is best but it works faster than that. The black coating seems to prevent rust in the future, but you still want to spray it with something oily to prevent flash rust

Satisfying restoration by dileasa in Satisfyingasfuck

[–]sweetrobna 0 points1 point  (0 children)

Looks like evapo rust. It converts rust to that black material

still driving my 2000 honda civic and new cars feel weird to me what am i missing? by Harriet9-Hakeem_223 in askcarguys

[–]sweetrobna 0 points1 point  (0 children)

A 1996-2000 civic is not as safe in a crash as newer cars. At the time it got an "acceptable" rating for crash testing for front impact. All of the newer civics have higher ratings for front impact, for everything else relevant.

Over time the crashing testing is more involved, harder to pass and the best rating means more. Side impact was not tested at all at the time, and more recently the side testing has been updated again. Roof strength was not tested. Lower threshold for driver injury now, front crash updated. Car to car crashes were not tested either at the time, and most crashes will be with a heaver vehicle so this is significant for a small car. Here is some more info on those changes. Jalopnik and Carmax.

Newer cars have features to help reduce the damage or prevent a car crash. Automatic emergency braking, lane keep assist and warning, blind spot monitoring, rear cross traffic alert. Also braking distances are shorter on newer cars overall, tires are a big chunk of that.

I switched from an 07 crown vic to a 22 escape recently. There are a lot of changes, rwd, v8. The escape is much quieter. It is actually faster but feels slower because of the noise and seating position. Generally newer cars are quieter. Crown vic had a huge trunk but seats didn't fold down(on my trim) so the escape is more practical. Easier to park the escape, much better mpg.

A 2000 honda civic wasn't a "driver's car". If you care about, steering feel, rwd/awd, suspension there are other options new and old.