It's a cute story, but I wonder if the writer signed a dual-agency agreement before being offered the $327,000 "deal"? If there was no dual-agency agreement, the listing agent had no obligation whatsoever to disclose material information that did not support the listing price.
For instance...
- Did the $335,000 offer include $25K in concessions, like a new roof, new floors, and new HVAC, or a pre-payment of property taxes?
- Did the seller kick-in some cash at closing to buy down the buyer's mortgage rate?
- Did a comparable neighbor's house recently sell for $300K or less, but has not yet been reported in the public record?
etc...
A listing agent has no legal or ethical obligation to disclose these to an unrepresented buyer. And AFTER the sign a dual-agency agreement, they are supposed to "protect both sides", which mostly means keeping quiet about any negative information that they can reasonably claim they didn't know about ("plausible deniability").
Back in the bubble days, a lot of people overpaid handsomely for property because they did not have a Buyers' Agent to advise them of all the concessions everybody else was getting.
Prices shown in the "sold" record are sometimes very far off from what actually transpired, once you taken into account all buyer/seller concessions (it can go either way).
geez i just got the netspend i kinda applied for it i never had a credit or debit card before so i thought it was cool to get one so easily but now im reading all this and i dont know what to do i havent activated it does that mean that im ok i tried going to netspend and closing my account and it was charging me 5 dollars to close the account what the hell???
I'm all for the restaurant gift cards, too. I find that those who "have everything" often don't go out to eat because it isn't sensible. This forces them out, becuase wasting the gift card isn't sensible either.
Great story title, was hoping for more than just paying off the balance in full, what about some true negotiating tips for the many who cant follow through with this every month on lowering there rates and fees..
We alway use wine.com, as we have a relative who literally has everything. What she seems to enjoy is something consumable; whether that's a high point wine or a good treat. Prices are pretty good as (cheaper than trying to do it ourselves), plus you can usually get a promo or coupon of retailmenot.com as well.
As mentioned in an earlier comment, the water type, hard or soft, does make a difference as to how much detergent or soap you should use. My folks live in an area where the water is very hard and they have to use more soap than I do, as I live in an extremely soft water area. Call the local water company to find out what type of water you have. This affects washing machines and dishwashers.
As for making my own laundry detergents, I researched this subject and decided to buy Charlie's Soap instead. For the cost and time of making my own detergent, I can buy Charlie's Soap for about the same cost. The other reasons being:
Charlie's Soap costs me about 2 cents per load compared to the blue stuff at 12 cents per load. The recommended amount is 1 ounce per load, but in the soft water, I use 1/2 ounce.
It works perfectly in my front loader HE machine and does not leave a build-up in the machine or the clothes.
Every other detergent I have tried, other than the special ones (and expensive ones) for sensitive skin, always made me break out in a rash. This soap does not do that. There are no perfumes or dyes.
I also use distilled white vinegar for a fabric softener. Much cheaper, and the clothes are much cleaner. Vinegar will not only deter static cling, but will rid the clothes of any remaining soap, so there is no build-up and hence, no stiffness. I hang most of the laundry on lines or racks and even the jeans are pliable with just vinegar for rinsing.
Borax is not as harsh on fabrics as chlorine bleach but cleans just as well and is much cheaper.
It can be dangerous to leave your oven door open, especially with a gas stove.
Also the venting of your dryer is a big no-no. Depending on which state you live in, I am in MN, it is not allowed. So, before anyone does this check with your state housing codes. Also talk to anyone in the heatting industry and they can fully explain why this is a really bad idea!
Regarding smaller, independent restaurants, just ask the chef! Almost always, the chef will be more than happy to share a recipe with you. The best times to ask are in the mid afternoon before the dinner hour, before the customers arrive.
Need advise my mom lost her job today because they said she wasn't suitable for all the task needed to be completed she was on probation...her boss instead of training her for the clerk job just put her down and told her u don't know how to do it everyone at the school district loved her cause she is bilingual... Her supervisor never gave her any proper traing what do I do I feel like she was discrimating my mother...
I like the coupons part, I don't need any more ads for credit cards or loyalty programs as they like to call them. was decently inclusive, I would use it to help me look for discounts.
Excellent evaluation of Magic Jack. You make some very good points. I have used Magic Jack for a number of months now. Actually, I don't use it often at all. Mostly just to avoid going over my minutes on my cell phone package. I also use it as a number to give out when I don't want to use my personal number. I don't know if I would want it as my only phone but it works wonderfully as a back up! Thanks for sharing!
I recommend clicking over to the Simple Dollar and make sure you check out the comments section. It looks like there is some good discussions stirring.
The space heater idea is probably OK for households with not-forgetful adults with no pets and no kids and not using an extension cord...otherwise, getting warm on the cheap might involve your house burning down:-(
It's a cute story, but I wonder if the writer signed a dual-agency agreement before being offered the $327,000 "deal"? If there was no dual-agency agreement, the listing agent had no obligation whatsoever to disclose material information that did not support the listing price.
For instance...
- Did the $335,000 offer include $25K in concessions, like a new roof, new floors, and new HVAC, or a pre-payment of property taxes?
- Did the seller kick-in some cash at closing to buy down the buyer's mortgage rate?
- Did a comparable neighbor's house recently sell for $300K or less, but has not yet been reported in the public record?
etc...
A listing agent has no legal or ethical obligation to disclose these to an unrepresented buyer. And AFTER the sign a dual-agency agreement, they are supposed to "protect both sides", which mostly means keeping quiet about any negative information that they can reasonably claim they didn't know about ("plausible deniability").
Back in the bubble days, a lot of people overpaid handsomely for property because they did not have a Buyers' Agent to advise them of all the concessions everybody else was getting.
Prices shown in the "sold" record are sometimes very far off from what actually transpired, once you taken into account all buyer/seller concessions (it can go either way).
i didnt put my real name on it just my real last name does that count and no activation either
geez i just got the netspend i kinda applied for it i never had a credit or debit card before so i thought it was cool to get one so easily but now im reading all this and i dont know what to do i havent activated it does that mean that im ok i tried going to netspend and closing my account and it was charging me 5 dollars to close the account what the hell???
Thanks for the mention!
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I'm all for the restaurant gift cards, too. I find that those who "have everything" often don't go out to eat because it isn't sensible. This forces them out, becuase wasting the gift card isn't sensible either.
Great story title, was hoping for more than just paying off the balance in full, what about some true negotiating tips for the many who cant follow through with this every month on lowering there rates and fees..
No, it doesn't work...
We alway use wine.com, as we have a relative who literally has everything. What she seems to enjoy is something consumable; whether that's a high point wine or a good treat. Prices are pretty good as (cheaper than trying to do it ourselves), plus you can usually get a promo or coupon of retailmenot.com as well.
Merry Christmas :-)
As mentioned in an earlier comment, the water type, hard or soft, does make a difference as to how much detergent or soap you should use. My folks live in an area where the water is very hard and they have to use more soap than I do, as I live in an extremely soft water area. Call the local water company to find out what type of water you have. This affects washing machines and dishwashers.
As for making my own laundry detergents, I researched this subject and decided to buy Charlie's Soap instead. For the cost and time of making my own detergent, I can buy Charlie's Soap for about the same cost. The other reasons being:
Charlie's Soap costs me about 2 cents per load compared to the blue stuff at 12 cents per load. The recommended amount is 1 ounce per load, but in the soft water, I use 1/2 ounce.
It works perfectly in my front loader HE machine and does not leave a build-up in the machine or the clothes.
Every other detergent I have tried, other than the special ones (and expensive ones) for sensitive skin, always made me break out in a rash. This soap does not do that. There are no perfumes or dyes.
I also use distilled white vinegar for a fabric softener. Much cheaper, and the clothes are much cleaner. Vinegar will not only deter static cling, but will rid the clothes of any remaining soap, so there is no build-up and hence, no stiffness. I hang most of the laundry on lines or racks and even the jeans are pliable with just vinegar for rinsing.
Borax is not as harsh on fabrics as chlorine bleach but cleans just as well and is much cheaper.
Coffee makers and the like should be cleaned periodically with white vinegar. Also, you should use only filtered water.
awsome topic, just bookmarked your article for future referrence
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I think number 2 should be on the top of everyone's list. Especially with all the Christmas cookies, fruit cake, and family gatherings.
Hitting the gym extra hard this month.
Ryan @ Plantingdollars
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It can be dangerous to leave your oven door open, especially with a gas stove.
Also the venting of your dryer is a big no-no. Depending on which state you live in, I am in MN, it is not allowed. So, before anyone does this check with your state housing codes. Also talk to anyone in the heatting industry and they can fully explain why this is a really bad idea!
Regarding smaller, independent restaurants, just ask the chef! Almost always, the chef will be more than happy to share a recipe with you. The best times to ask are in the mid afternoon before the dinner hour, before the customers arrive.
Chef Recipes
Need advise my mom lost her job today because they said she wasn't suitable for all the task needed to be completed she was on probation...her boss instead of training her for the clerk job just put her down and told her u don't know how to do it everyone at the school district loved her cause she is bilingual... Her supervisor never gave her any proper traing what do I do I feel like she was discrimating my mother...
I like the coupons part, I don't need any more ads for credit cards or loyalty programs as they like to call them. was decently inclusive, I would use it to help me look for discounts.
Excellent evaluation of Magic Jack. You make some very good points. I have used Magic Jack for a number of months now. Actually, I don't use it often at all. Mostly just to avoid going over my minutes on my cell phone package. I also use it as a number to give out when I don't want to use my personal number. I don't know if I would want it as my only phone but it works wonderfully as a back up! Thanks for sharing!
While this looks good -- it's not all-inclusive. For example, it does not include American Airlines rewards program: www.aadvantageeshopping.com
i picked up a beater blade for my kitchenaid this year and it's one of my favorite new items
you are an idiot
Thanks for you the tips, I definitely plan to catch up on some reading this holiday season.
I recommend clicking over to the Simple Dollar and make sure you check out the comments section. It looks like there is some good discussions stirring.
The space heater idea is probably OK for households with not-forgetful adults with no pets and no kids and not using an extension cord...otherwise, getting warm on the cheap might involve your house burning down:-(