#our light bill is 740 this month

[snowflakeb0ttles]

god my grandma is so fucking stupid im gonna bite a hole in the wall

[jolie-guerrier]

Refinancing Pitfalls With a Fix and Flip - Keeping the Property When Your Flip Becomes A Flop

I was youthful and unpracticed, however I was persuaded I was relentless.https://moneymofo.com/ I had a great deal of energy and inspiration. The house was in Arvada, a northwestern suburb of Denver,and I bought it at an exceptional cost. It was important for a bundle manage another house I wanted to keep as a rental. This one didn't have incredible rental numbers, however looked awesome as a flip, so I purchased the two houses. I began the recovery on the two properties, with the emphasis on the arranged rental; that would be a lot simpler and a snappier recovery. That house went easily. I rehabbed it, leased it, and renegotiated it. Since I utilized a hard cash advance, I had no cash into it and was delivering positive income inside about a month and a half. The Arvada house was an alternate story. That one wound up in my rental portfolio as well, yet it was a long way from arranged.

It was after I was finished with the primary task that I began seeing the obscure work in Arvada. There was un-allowed work everywhere. There was a little expansion that was falling ceaselessly from the house, material used to fabricate that didn't have a place, releases that were concealed, and defective wiring. The spending plan was blown before I even began, and I didn't have the stores to cover the outrageous sum in overages. I didn't have a clue what to do, so I went modest. I did a lipstick work, tossed the house available and crossed my fingers.

I dropped the cost, and afterward dropped it once more. It arrived at the point that I was unable to take care of my advance and pay a Realtor, so I chose to keep it. So as to do that, I needed to take care of my hard cash moneylender, which means I needed to renegotiate the advance.

This excruciating experience showed me numerous significant exercises; don't go modest on completes, what to search for in a spending plan, and the traps of the renegotiate. Loaning has changed from that point forward, so I contacted Joe Massey at Castle and Cooke contract, our favored bank in Colorado, to get some assistance on what issues financial specialists are running into today when they attempt to renegotiate their flip. Here is the rundown of traps we talked about:

Worth: It is almost difficult to get an examination higher than the last rundown cost. For my situation, I continued dropping the cost, to the point it was recorded beneath what it might have assessed for. At the point when I went for the renegotiate, the examination came in at the last rundown cost, and I had to carry money to settling to complete the negotiation. Renegotiate examinations depend entirely on the tantamount deals (comps) in the territory, as there is no other market sign for the appraiser to reference. Likewise, the inferior quality recovery is difficult for an appraiser to put an incentive on, so it is normal for bad quality recoveries to have no effect on evaluated esteem. Inferior quality recoveries do, in any case, bigly affect real worth. Once there is MLS introduction, which means every individual who is searching for a house can see it, the appraiser has genuine market data to use to think of a more precise worth. Consider it, by what method can the appraiser legitimize a worth higher than what it is recorded at in the MLS? You better rely on the worth coming in at, or even beneath, the least rundown cost.

Another obstruction with the MLS introduction is with timing. This is certainly not a serious deal for most, yet merits a notice. The property must be out of the MLS for at any rate one day before you can apply for the advance. Once more, not a serious deal, but rather this will make a day or two deferral simultaneously.

Credit: Credit prerequisites are somewhat stricter with investment property advances contrasted with proprietor involved advances. Practically all credits are affirmed or denied by a PC framework, so the scores can fluctuate. For instance, on the off chance that you have less thanperfect credit however a bigger up front installment, the PC could favor the advance. In the uncommon case the advance is physically guaranteed, the credit on rentals should be 620 or higher until you hit your fifth rental, and by then you should have a 720 FICO rating.

Elements: Conventional banks won't advance to a LLC or partnership; you should possess the home in your own name to qualify. Numerous moneylenders won't advance you cash if anytime you claimed the property in an element. Most fix and flippers work together in an element, so you can perceive how this can cause you an issue with a renegotiate. All expectation isn't lost however! Since Joe is a direct to Fannie Mae moneylender, he can back you while your property is in your substance, however will necessitate that you move it into your own name. In the event that you hear a moneylender disclose to you they can't help you since you possessed your flip in your LLC or enterprise, realize that there are loan specialists like Joe out there that can do it.

DTI: You may hear that you can't fund a rental on the grounds that your obligation to pay proportion will be off, which means you don't bring in enough cash to help every one of your obligations. The hiccup here is frequently the lease sum on the new property, and on the off chance that you can utilize that to balance the new home loan installment. A few moneylenders will need to see the property on your government forms to give you acknowledgment for the pay, which is consistently a misfortune in the primary year you purchase another property and recovery it; in this manner making it harder to qualify. In the event that you get this criticism, call another moneylender. The rule here is that you can utilize 75% of the gross lease sum as pay in the event that you have a rent and can show at any rate one month of lease gathered and the security store.

Another issue with DTI is independently employed borrowers. I have composed full articles regarding this matter, in light of the fact that numerous individuals who are independently employed take however many derivations as could be expected under the circumstances. At the point when you take an allowance, you bring down your available pay, so you save money on charges. The issue is that when you bring down your pay, you hurt your DTI, making it harder to fit the bill for advances. It isn't simply the way that you are utilized that is keeping you from getting an advance, it is the pay you report. The rule here is that you can get a credit when you work for yourself if your pay bolsters the obligation. Pay is archived with two years of government forms, except if you have been doing business for at any rate five years and have a 740 or higher FICO assessment, in which case you will just need one year of expense forms.

Stores: As you begin to go over spending plan or have issueswith your fix and flip, it is exceptionally regular to consume your stores to spare the arrangement. This is reasonable yet could make an issue. You are needed to have holds for typical mortgage qualifying, so it is significant that you have this put aside before you apply for your renegotiate. The rule is a touch of befuddling and depends on the quantity of properties you own. The save prerequisite is:

6 Months of home loan installments regarding the matter property (PITI) in addition to...

2% of unpaid credit adjusts on your other investment property advances for 1-4 financed properties

4% of unpaid credit adjusts on your other investment property advances for 5-6 financed properties

6% of unpaid advance adjusts on your other investment property credits for 7-10 financed properties

You don't check your essential home loan balance in these figurings.

You can utilize some retirement cash to meet this prerequisite, however you will likewise require cash in the bank. Check with your moneylender in the event that you intend to utilize retirement cash to meet this prerequisite, and they can walk you through what finances should be the place when you apply. On the off chance that you begin coming up short on saves, do what you can to get the house adequate for an examination and afterward complete the advance. When the credit is set up, return and complete whatever you have to finish that will burn-through your stores.

Changes in your circumstance: Several things can make issues here. On the off chance that you are in the renegotiate cycle, it is likely best that you don't assume out any extra acknowledgment or even have your credit pulled. You likewise don't have any desire to find employment elsewhere, which appears glaringly evident, yet I want to specify it.

[weedseedsonline]

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[mastcomm]

Your Thursday Briefing – The New York Times

Amid exodus from cruise ship, 2 removed earlier are reported dead

The Japanese broadcaster NHK reported today that two Diamond Princess passengers who had been hospitalized last week after contracting the new coronavirus had died. Both were identified as elderly Japanese citizens with underlying health issues.

The news came a day after hundreds of passengers left the cruise ship, which has been docked off Yokohama. More are to be released today as the two-week quarantine of the vessel draws to an end.

But onboard, the coronavirus outbreak is still raging, with the number of confirmed cases now up to 621. Japanese officials have been defending their decision to allow other passengers to depart.

Some 740 passengers of another cruise ship, in Cambodia, have been cleared to leave the country after testing negative for the virus.

Suspected attacker found dead after shootings in Germany

Our reporters are heading to the central German city of Hanau, where the police said at least eight people were killed and several others wounded in shootings at more than one location on Wednesday night. The suspected attacker was later found dead.

The local public broadcaster, Hessischer Rundfunk, said a person opened fire at a hookah bar in the center of the city, killing three people, then drove to a hookah bar in another neighborhood, shooting and killing five people there. Several people were wounded at each location, the broadcaster said.

The police found the suspected attacker dead at his home in Hanau on Thursday, along with the body of another person. There was no immediate information about a motive for the shootings.

From the scene: Video and images from Hanau, a city of 95,000 about 10 miles east of Frankfurt, showed darkened city streets cordoned off with red-and-white tape while police officers gathered in the background. Several ambulances, their emergency lights flashing, lined the streets.

The most brutal Democratic debate so far

Six Democratic presidential candidates scorched one another without letup in a crucial debate Wednesday night in Las Vegas.

The unrelenting attacks reflected the urgency of the moment: Bernie Sanders has been gaining strength, and those hoping to slow his candidacy are increasingly crowded out by Michael Bloomberg and his unprecedented $400 million campaign spending spree.

Recap: Elizabeth Warren landed the most telling blows against Mr. Bloomberg. “I’d like to talk about who we’re running against: a billionaire who calls women fat broads and horse-faced lesbians,” Ms. Warren said. “And no, I’m not talking about Donald Trump. I’m talking about Mayor Bloomberg.” Here’s a fuller look at the sparring.

If you have 12 minutes, this is worth it

The fight for Libya

In a country where warlords and militias battle for control, Islamist militants hide in the desert and migrants pack the Mediterranean coast, a 76-year-old commander, Khalifa Hifter, says he can resolve the turmoil. In his bid for national control, his forces have been attacking Tripoli, the capital, for 10 months.

Our correspondent and photographer were able to make a rare visit to his eastern stronghold, Benghazi. What “the Marshal” has created there, their report shows, is not the secular stability he promises, but “an unwieldy authoritarianism that in many ways is both more puritanical and more lawless” than that of Libya’s last dictator, Col. Muammar el-Qaddafi.

Here’s what else is happening

Europe and tech: The European Union outlined a plan to restore what officials called “technological sovereignty,” hoping to strengthen its digital economy amid concerns that the region is overly dependent on foreign companies like Apple and Huawei.

Methane research: Fossil fuel emissions from human activity have been underestimated by 25 to 40 percent, researchers reported in the journal Nature. The findings add urgency to the need to rein in emissions from the fossil fuel industry, which routinely leaks or releases methane into the air.

Boeing: Lawmakers in Washington State introduced legislation that would eliminate tax breaks for the plane maker, a strategic move to protect Boeing from retaliatory E.U. tariffs.

Snapshot: Above, a fan waved a cutout of the former Illinois governor Rod Blagojevich, one of 11 white-collar criminals who received clemency from President Trump, as he greeted well-wishers outside his home in Chicago on Wednesday. Our reporting shows that Mr. Trump’s pardons and commutations were driven by friendship, fame, personal empathy and a shared sense of persecution.

What we’re listening to: “Public Official A,” a podcast from WBEZ last year about Mr. Blagojevich. “This is a Robert Caro-like dissection of political corruption in the U.S., and of Rod Blagojevich, a political star who turned into a black hole,��� says Adeel Hassan, on our National desk. “It still resonates.”

Now, a break from the news

Cook: A squeeze of lime brightens one-pot braised chicken with coconut milk, tomato and ginger.

Watch: In the BBC hit “This Country,” the siblings Daisy May and Charlie Cooper find comedy and pathos in rural British life. They spoke to our reporter as they prepared Season 3 of the mockumentary, which debuted this week.

Smarter Living: Our “Scam or Not” feature looks at whether coffee is good for you. (Spoiler: It can be. Yay!)

And now for the Back Story on …

The Renegade

A new dance called the Renegade is suddenly everywhere, from teenagers’ phone screens to the N.B.A. All-Star Game. Shira Ovide, a technology reporter, chatted with Taylor Lorenz, a Styles reporter, about a new generation of apps that helped the dance go viral, and how its 14-year-old creator, Jalaiah Harmon, finally found fame.

Taylor: I heard about Jalaiah Harmon from a friend in the Dubsmash community right around Christmas. People had cited her Instagram post, and it was clear she had created the dance.

No one online knew her full name or identity, and it took weeks to hunt her and her family down and get in touch with her mother directly. Her mom didn’t even fully realize what Jalaiah had created until I called her at work.

Shira: How would you explain these dance performance apps like Dubsmash to an alien new to our planet? (Or, say, a writer whose musical tastes are stuck in early-2000s ska bands?)

Taylor: Apps like Dubsmash, TikTok and Funimate let you post videos set to music or with special effects. Dance challenges, short 15-second pieces of choreography, are very popular on these apps.

Shira: How do Jalaiah and her family feel now about her very online kind of fame?

Taylor: They’re very excited and overwhelmed! Jalaiah was in Chicago this weekend to perform at halftime at the N.B.A. All-Star Game. She got to meet and collaborate with Charli D’Amelio, a TikTok star who helped popularize the dance. Jalaiah and Charli hit it off immediately. Kim Kardashian posted a video of Jalaiah doing the dance to Instagram. It’s been a whirlwind!

Shira: Taylor, can you do the Renegade? Can you show us?

Taylor: I’m so bad at the Renegade! I’m in my 30s and so I don’t think my joints can move like that anymore. For anyone interested, Jalaiah posted a slow-motion tutorial on Instagram.

(This conversation has been edited and originally appeared in “Wait…,” a Times newsletter about how technology and celebrity are changing our lives.)

That’s it for this briefing. See you next time.

— Andrea

Thank you To Mark Josephson and Eleanor Stanford for the break from the news. You can reach the team at briefing@nytimes.com.

P.S. • We’re listening to “The Daily.” Our latest episode is the first of a two-part series about a digital underworld of child sexual abuse imagery that is hiding in plain sight. • Here’s today’s Mini Crossword puzzle, and a clue: “Unpaid bill at the bar” (three letters). You can find all our puzzles here. • On Wednesday, The New York Times won four George Polk Awards, among the most prestigious honors in journalism. Among the winners:Mark Scheffler, Malachy Browne and others at The Times’s visual investigations desk, for their open-source reporting on the bombing of hospitals, a refugee camp and a busy street in Syria by Russian pilots.

from WordPress https://mastcomm.com/event/your-thursday-briefing-the-new-york-times-17/

[jeepsister72-blog]

Spaghetti Squash Bolognese (Low-Carb, Paleo)

Easy, comforting spaghetti squash bolognese made with straight-forward, simple ingredients. This gem of a dinner is perfect for meal prepping and also easy to throw together any night of the week.

This post is sponsored by Thrive® Culinary Algae Oil.

You’re looking at one of my favorite dinner staples. This Spaghetti Squash Bolognese is my go-to when I’m craving something Italian-inspired – that tomatoey, herby, meaty, saucy, comforting essence that cannot be satisfied in any other way!

The best part? It’s so easy to make!

Not to mention, this meal is clean, nutritious, and happens to include heart-healthy ingredients, great overall for your body.

February is Heart Health Month, so in honor of supporting the wellness of our heart organs, I thought I would share a heart-healthy recipe. Some heart-healthy foods are omega-3 and omega-9 fats, berries, red wine, leafy greens, tomatoes, and chocolate, and more!

I use Thrive Algae Oil to roast the spaghetti squash and to prepare the Bolognese sauce for this recipe. Keeping your heart in mind, algae oil is a great source of monounsaturated fats. In fact, algae oil is higher in monounsaturated fat than any other oil and it contains the lowest percentage of saturated fat. And Thrive has a deliciously light, neutral taste that enhances your other ingredients, so you don’t need to compromise flavor for nutrition.

The smoke point of algae oil is up to 485 degrees F, which makes it ideal for this application. We’re roasting a spaghetti squash at 415 degrees F and sautéing at a high temperature, which means using a high-temperature cooking oil is the wisest route to ensure the oil does not burn and become toxic.

This simple recipe only requires two basic steps: roasting the spaghetti squash and preparing the Bolognese sauce. I’m willing to bet you already have most of the ingredients for this recipe in your pantry, making it an easy meal to whip up any night of the week!

Recipe Adaptations:

Replace the ground beef with ground turkey, pork, or chicken.

For those of you who eat dairy, serve the meal with grated parmesan cheese.

Prefer gluten-free noodles over spaghetti squash? Go for it!

Make the recipe Low-FODMAP by omitting the onion and garlic.

The way I see it, this spaghetti squash bolognese is a great meal prep recipe (hint: the bolognese sauce becomes even more flavorful the longer it sits in the refrigerator!), easy to make on any given weeknight, and is snazzy enough for date night. Looking for a clean yet romantic dinner for Valentine’s Day? This fits the bill!

Enjoy this heart-conscious meal!

Ingredients

For the Spaghetti Squash:

Instructions

Roast the Spaghetti Squash:

Preheat the oven to 415 degrees F. Cut the tip and tail off the spaghetti squash and use a metal spoon to scoop out the seeds and innards.

Drizzle the flesh with algae oil and sprinkle with sea salt. Place squash on a baking sheet cut-side down, and roast 45 to 50 minutes, or until very tender. Remove from oven and allow squash to cool enough to handle.

Use a fork to release the spaghetti squash strands and transfer to 2 to 4 bowls.

Prepare the Bolognese:

While the squash is roasting, make the bolognese.

Heat the algae oil in a large skillet over medium heat. Add the onion and sauté, stirring occasionally, until onion is translucent, about 8 minutes. Add the garlic and herbs (oregano through cayenne) and continue sautéing another 3 minutes.

Scoot the onions off to the side and add the ground beef. Allow the beef to brown without touching it for 3 minutes. Flip and continue browning another 3 minutes. Use a spatula to chop up the meat and stir everything together. Don’t cook the meat all the way through just yet.

Add the sea salt, crushed tomatoes, tomato paste and pure maple syrup (if using) and stir well. Bring sauce to a full boil, then reduce to a simmer. Cook sauce at a gentle bubble, stirring occasionally for 30 minutes (up to 1 hour).

Taste sauce for flavor and add more sea salt to taste.

Serve over spaghetti squash with fresh basil.

Recipe Notes

*Roast 2 spaghetti squashes if you're serving more than 4 people.

Source: https://www.theroastedroot.net/spaghetti-squash-bolognese/

[jumblejayne]

//rant

i really fucking hate my roommates.

They're older than both Key and I and they act like fucking 3 year old babies who can't be held responsible for shit.

We ask them to please turn the lights off when they leave the room. They turn around with "Well, it would help if you didn't have the AC so low all the time."

EXCUSE ME BUT KEY AND I HAVE HEALTH ISSUES AND CAN'T BREATHE WELL WITHOUT THE AC ON.

There is not a damn issue with them where they medically NEED the lights on. They're just dumb shits.

Then we ask if they could please watch for our cats and make sure they don't get outside when they go out to smoke.

The day after our argument, my damn cat gets out.

My cat has a bad skin rash right now and a shit ton of fleas because he keeps getting outside. We can't afford the flea medication right now and now he's just getting worse.

We ask them to clean up after themselves. Not even after our cats or us. Just themselves. And ofc after we ask them to do that, Key finds pasta on the floor with ants all over it.

They're disgusting and rude and selfish and disrespectful and I really wish we could just kick them out but no. We have to depend on their rent. Which leads me to another thing. We set their rent to $500 and all our bills have been raised but I haven't raised their rent a fucking cent. And when I asked them "hey can you cover the extra $80 on the rent for this month?" all i got was "well i don't know. we're short on cash sooo..."

THIS MOTHER FUCKER MAKES $1700+ EVERY FUCKING MONTH WHEN I MAKE ABOUT $740. EXCUSE ME? WHERE THE FUCK IS YOUR MONTHEY GOING SIR. YOU LITERALLY HAVE TO PAY ME $500, $50 FOR YOUR PHONE AND WHATEVER FOOD YOU BUY.

Oh and let me mention that these assholes don't even buy their own food anymore. THEY GO TO FOOD BANKS. So they don't even need to buy their own fucking food. But guess what. If I needed to go to a food bank, I would be denied because they go and it's only one per household. So these fuckers are taking away from Key and I if we ever needed help with food. Which sometimes we do. But do they care? NO. THEY STEAL OUR FOOD TOO.

[wesonerdy]

Red Nose Day Actually is finally airing in the U.S. this month! Watch the trailer and enjoy behind-the-scenes photos from filming.

Courtesy of Nick Briggs/Comic Relief

Ever since our friends across the pond got the Love Actually mini-sequel this March, Red Nose Day Actually, I’ve been chomping at the bit for this reunion to make it across the pond. We’re so close!

Red Nose Day is a biennial telethon held in March by the British charity Comic Relief. The charity raises millions each year for children and young people living in poverty. Celebrities also get involved in the fun by participating in hilarious sketches and performances that air on TV during the fundraising night.

Back in 2015, NBC and their partners launched a sister program in the U.S. In the first two years, they’ve raised more than $60 million. Beneficiaries of Red Nose Day grants include charity organizations like Boys & Girls Clubs of America, charity:water, Children’s Health Fund: Feeding America, Gavi: the Vaccine Alliance, National Council of La Raza, Save the Children, and the Global Fund.

This year, Chris Hardwick will host the third annual The Red Nose Day Special, featuring comedy, music performances, and compelling films shedding light on kids in need. For example, Julia Roberts will take us to Nairobi, Kenya to visit one of Africa’s largest slums, Kibera, where the need for essential medication is critical.

The special will also include the much-anticipated Red Nose Day Actually, a short Love Actually, reunion film from writer-director Richard Curtis (who is also the founder of Red Nose Day). Practically all the actors from the original film return, including Hugh Grant, Colin Firth, Liam Neeson, Rowan Atkinson, Martine McCutcheon, Keira Knightley, Andrew Lincoln, Chiwetel Ejiofor, Lucia Moniz, Thomas Brodie-Sangster, Olivia Olson, Bill Nighy and Marcus Brigstocke.

Even more exciting, Curtis will reveal an exclusive version of the film with never-before-seen footage just for U.S. viewers!

The short film revisits our beloved characters from the 2003 holiday romantic comedy and we find out what they’re up to 14 years later, in 2017. Today, NBC shared the first trailer, and you better believe it still gives me ALL THE FEELS. Watch now:

Love is all around, and coming to @NBC on May 25. Watch the new trailer for #RedNoseDayActually, and tune in for more 🔴 pic.twitter.com/2C2npKkHQD

— Red Nose Day USA (@RedNoseDayUSA) May 11, 2017

  Are you swooning? Are you cackling with laughter? Because I’m doing both of those things right now!

You can take a look at 20+ behind-the-scenes images from the Red Nose Day Actually filming… you can tell that they’re having so much fun!

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

Courtesy of Nick Briggs/Comic Relief

  Tune in Thursday, May 25 at 10:00pm ET|PT for the Red Nose Day USA Special!

PREVIEW: ‘Love Actually’ Reunion Trailer for U.S. Red Nose Day Red Nose Day Actually is finally airing in the U.S. this month! Watch the trailer and enjoy behind-the-scenes photos from filming.