Youtube comments of Crime Stoppers (@crimestoppers1877).
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Good presentation. Your advice to remove the SIM cards is appropriate. It might be interesting to visit a public political event without a cellphone ( car, trunk or person and NEVER anything that looks dangerous ). A person can use any decent SDR (not the cheapo RTL's) that cover UHF through 2.5 GHz. No FCC license is required for receivers. Copy your data collection from the live moving spectrogram showing time, amplitude, frequency and modulation directly to a computer SSD. One person is best. Keep your mouth shut and try to look bored. Never stare or Gawk at anything. Wash the exterior of your car, polish the wheel covers etc. You are now a legal remote receive station. You are not listening or monitoring calls just the ELINT and SIGINT from "potentially" illegally used IMSI catchers and their little sisters ( no warrant? unlicensed transmissions?) Once you capture enough "pre-event" data you can drive around at normal ( not slow) speed and identify another location to "wash your windows", read a book or pick your nose. You could bring along an "old" 10 X pair of binoculars ( used only inside the vehicle). Dark cloth the same color as the head liner and interior can be easily and quickly pasted up to assure that NO light direct or indirect falls on the observer. You can do this for hours in a typical vehicle that matches its surroundings. Not new, but not too old and nothing flashy, bumper tags etc. Many times these deployed devices are not owned by the local establishment but are rented or leased to them along with a technician. This is important since if you do numerous RF surveys in different areas you might attract the attention of a technician. Never make it obvious that you found a "command post" ( one name for them) and do not take obvious photos since there will always be a nearby back up unit or anti or counter surveillance unit. Many uses of the "Fake cell base stations" require use that is NOT LICENSED AND ILLEGAL to use by the FCC or the IRAC, FAA, US Coast Guard, or their leased engineering staff. In some areas, military services may also be collecting data on civilian targets. When a US agency does this and transmits without legal authorization they will not be prosecuted. Any device that emits more than maximum allowable Part 15 type emissions is violating the civilian law. Conspiracy to violate us laws is an 18 USC felony. Why have there been no prosecutions of illegal IMSI catcher use? These are violating the FCC licenses of the carriers ie intentional interference and possible jamming) There are federal exemptions. The FCC does not have jurisdiction over federal and military agencies services. These are under IRAC and DISA-WHCA. Later collect RF data from the same locations as well as after and at different times. Something to think about. Have you ever wondered how IMSI catchers can follow a target without someone noticing? A "van" may not be following the target. Look up and observe. Check the ADS-B emissions and keep a record with your own SDR or free sites such as planefinder website. You may see correlations. Later you can compare ADS-B tracks with your SDR monitor charts. Many times no "owner" or bogus information is presented. Altitude MUST BE accurate! Do not despair since you will most likely see correlations that are relevant. Rumor has it that "utility" vehicles, light aircraft, and drones may be used. The drones ( over 400 ft) must carry ADS-B to prevent injuries. Look for unusual ADS-B activity near local airports. Aircraft and drones need "logistic support and there are no toilets at 2,000 feet.
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I do not consider that there are "Best" seasons to buy or to sell. In my experience, I have bought and sold in each of the seasons. It is always about the DEAL and not the season. I think this consideration of what month to sell is a Self Fulfilling Prophecy that can hurt both sellers and buyers. There are hundreds of reasons for a seller to sell and a buyer to buy , but these reasons are not always dependent on the month or the season. As a buyer I ALWAYS talk to neighbors and ask them questions based on what the house looks like. I also like to check websites such as City-Data which gives crime statistics, school statistics and local information. I always visit the neighborhood and local schools during week days and weekends to give me a feel about the place I would be living. Do I see broken windows, graffiti, homeless tents, refuse or litter in the streets. This has a bad effect on location and value. Is there local transportation? I am in California, so when I see local transportation like buses or trains it is a negative. Most public transportation facilities in this state are crime magnets. During the winter, do you see unpaved roads, snow not removed or potholes? I also look at the US ARMY Corps of Engineers maps and FEMA sites to search for past disasters and flooding which will affect homeowners insurance. How close is the nearest fire station? Over one mile, five miles? Finally "the walk" I always walk an area I am interested in. Do I feel safe, comfortable? Is there street lighting, sidewalks? What do the fences look like? Are there security bars on windows or doors? Why? Are there multiple family dwellings nearby? This indicates the presence of tenants which are not always the most responsible citizens in a neighborhood. What is the vacancy rate of single family dwellings if you are looking for one of these properties? Nationally, when the vacancy-tenant rate reaches 20% it is possible to have a declining quality of the neighborhood. When this happens, real estate prices can drop quickly. Caveat Emptor! Do you hear sirens from emergency vehicles?
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These are interesting definitions, but you have not included "organized" individual stalking. I am speaking about forensic or "legal stalking" aka " sub rosa" or under the rose. Your description of observing and following is partially correct but it is not always by " the (one) stalker" being physically present. This sub rosa activity can be continual or continuous for many years 24/7/365. With electronic social media today it is not required to be physically present at all times. Your inclusion of "contact, calling, texting, email" is poorly defined in this regard.. During a sub rosa investigation, the target is rarely contacted directly unless it is a type of legal pretextual contact. Also it is usually agreed by legal counsel (civil and administrative laws and not criminal laws where most anything goes) to not DIRECTLY encourage the target to engage in certain activities: Note the exemption of "allegations of potential crimes". In other words, an associate of the target could legally be contacted with lets say 2-3 Free seats at a major sporting event. if the target somehow gets invited by the associate - roommate, romantic partner or other person to accompany them ( where they no longer use a cane or wheel chair to root for their favorite team or players. it may be legally permissible in most legal venues. Yes, that can be defined as a "contact" but by whom? and for what purpose? Sub rosa investigators are careful to never get "picked" by the target. They can get "picked" frequently usually by people who THINK they are targets. Usually others who are involved in some other activity that they do not want discovered ( A lot of stuff is going on out there. Drugs extramarital affairs etc) The result, is other individuals replace the investigator. I have seen over a dozen different investigators on one sub rosa assigment. When does this occur? Pre employment investigations, insurance investigations, lawsuits and legal matters of all types, (Insurance applications. claims and witnesses), bank investigations, loan investiagtions, workers compensation, welfare benefits, school districts ( assure proper district residence), domestic investigations, corporate, governmental, medicare, physicians, counselors chiropractors, political and many judicial matters including child custody.
In any medium or larger size city there can be literally hundreds of these sub rosa investigations conducted on any day! The point is there is NO repository LIST of investigations for obvious reasons. At times, local police agencies might be notified but what if THEY are the targets (happens all the time especially fake workers compensation or insurance claims).
“Just because you're paranoid doesn't mean they aren't after you.” quote from Joseph Heller Catch-22.
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Been there done that! I would recommend one more layer of protection. Read,study, research everything to learn about divorce in your court jurisdiction. In any profession there are specialists who are just getting by, there are large firms with hundreds of clients that will bill the H out of everything, and there are those who live and breathe the latest information to WIN and prevail for their clients. You want a current practice trial attorney who is known as a winner to help you keep from losing every asset you have earned and will earn in the future. Why? Because opposing attorneys might just be more cunning, skilled and aggressive. The best defense requires an excellent offense. George Washington, in 1799 wrote, “…make them believe, that offensive operations, often times, is the surest, if not the only (in some cases) means of defense”. Sun Tzu, the Chinese military general, writer and philosopher in The Art of War wrote that “Attack is the secret of defense; defense is the planning of an attack”.
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Louis. When I buy a house I like to use the same method that real estate agents use First, all transaction are negotiable. Instead of looking for "the house", I search for the houses for sale with the 7 D's. In any monetary transaction including buying a house, one party prefers the cash ( or no mortgage or upkeep debts) and the other prefers the house). Embedded in this is a TREMENDOUS difference in the sold price. Here are the Seven D's of real estate, the more D's the better the deal you can negotiate: Debt, Disease, Death, Divorce, Drugs, Disaster and Denial. Always think from the perspective of the seller. I assume that I will have to make some repairs but these cost less than the cost to buy the asking price house. Clues to use: How many days on Market? Research previous listings for the same house. How much does the "owner" owe on the house ( mortgages and debt)? Does the owner have any D's? Why are they selling the house TODAY?? When I make an offer I usually make an offer of at least 30% below asking with or without a listing agreement. I also make it a NO contingency offer which can allow a FAST transaction with few delays for inspections and other middlemen activities. When I use the word "Negotiate" I have a different definition. I make ONE offer which is my final and best. No emotions it is only one house.out of millions. If the seller make a counter offer it must 100% be in my interest. Agents don't like this attitude until they get their commission checks. Knowing WHY the seller is selling today is paramount. I pay for my own inspections and since it is work paid for by me I do NOT disclose what I learned unless it is in MY best interest. Sometimes I will have 4,5,6 licensed contractors inspect the house. Yes it costs a little but not as much as discovering tens or hundreds of thousands of dollars of damage that they "forgot" to tell me about. With my method you can sell again in ANY market even in a few months depending on the location and cost of repairs. I do NOT buy "fixers". Instant Equity while your new neighbors are drowning in personal debt. 90% of all houses for sale need repairs or remodels. Keep your receipts for your IRS "basis" when selling. Be POSITIVE AND ALWAYS IN CONTROL of your estate agent! You have some experience but you are too nice to the "thieves" who get paid for talking and promising more and delivering less. Do not use the sales word that is spelled WXYZ-tor. They love to sue for "misusing" their national association "trademark". They want to be the ONLY buyers who know these buyers tricks.
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Good for you! As soon as I paid off the mortgage, I rebuilt, remodeled and renewed the house. I found retired licensed contractors in different trades to teach me how to do each job. I bought equipment and mateials from professional wholesalers and lumber yards. From the foundation, flooring, plumbing ( water DWV, new natural gas) , fireplace, electrical, HVAC to the roof, most work done by me. I paid each contractor hourly to show me each step, and I followed with my own work. I paid them to review my work and I either tore it down and repeated it or completed it for final inspection. Lots of fun. I got into this so much I did not know when or why to stop. To hell with "office work" contracting work is the way to go. Electrical work is my favorite so far. I just built a 1750 square foot ADU ( legal and permitted Additional Dwelling Unit) and am going through final inspections now. What about renting all this new space? NO WAY! Never have a tenant in Calfornia!! There may be a few honest ones but how can you know? November 2023 is the first month tenants are required to pay rent since the "Covid-19" excuses of March 2020. @ElisaOKeefeSmith
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In my experience as a homeless person , very few of them want to take responsibility or accountability for anyting including their mental and physical health. Most of them service by extracting attention, free services and income ( SSDI, and many other payment systems, clothing, food, social guilt, and virtue signaling). I have a rheorical question for you. Why is it that the "homeless" can travel thousands of miles at no cost to arrive at population centers with huge social services including free transportation, clothing, food, mental and social health services, money, unearned benefits? You will not find the "homeless" in areas of low population densities and difficult environmental locations such as desert areas, arctic and antarctic areas. How did that happen?
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Excellent especially for first time home buyers. However, I found that each one of these important recommendations can be met when the buyer hires the Listing agent where this is permitted ie Dual Agency. When I am looking for a house, THE most important factor outside of location, is not the house but the experience, knowledge and skills of the listing agent! Every point of yours mentions how important this is. So why play the game of telephone where misinformation is commonplace? I learned that a property purchase is in this order of importance: Location, listing agent, the property itself ( most buyers and sellers think this is number one) , details of the property including mortgages, liens, construction and local taxes and fees. If I find the house I love, in the location I want, but it is listed and represented by someone I do not trust, I do not even ask for a visit and do not make any offers. This fact tells me the seller is NOT serious about selling the house. Every day is the best time to buy, there are millions of good houses out there. There is always a better deal for me. If buyers ( not first timers) did this more often it would flush out the listing agents ( so-called "listers") who only want a seller to sign a listing agreement and rely on other agents to garner interest and bring in qualified, motivated buyers.
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Actually I am living on a ranch that has beautiful blue sky and fluffy white clouds and No: Homeless, crimes, dopers, freaks, begging, grafitti, public transportation, welfare offices, sidewalks, attractants for bums and thieves and our own volunteer citizens to help one another as "witnesses". The population density is very low so we all know each other. We quickly notice strangers, guests and visitors and we have private LPR scanners that identify every plate and vehicle that wanders into the area. Guess what? no reports of crime. No garage sales allowed. The streets are so narrow that no parking is available on any public street even for a bicycle. The flora and fauna is abundant except no human derelects, vagrants, thieves, gangs, loiterers, criminals or homeless. There is no safe way to bicycle or walk in here. No needle exchanges around here! We have our own network to alert each other for "problems". No honey traps but plenty of ravenous and possibly dangerous wild animals. I forgot that there are no apartments or rental units anywhere. Enjoy the sights and sounds of Quiet Freedom with the occasional sounds of sport target practice. @brialapoint2608
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@toddspangler6669 Additional answer with a rhetorical question. Lets say you paid $425k cash for a property with an arms-length market value of 1.3M? You do updates and upgrades ( for YOUR living benefits) of lets say $100k. You live exclusively in the property for 13 months ( identifications, motor vehicles, voting, utilities, mail, taxes etc). Your neighbors observe and know you - AS A NEIGHBOR. The typical residence in your community has a DOM of 60 days in a sellers market. This is Not in an economic downturn or local labor market problems. You can easily sell this property as long as you meet the legal requirements of the LTCG laws. You can write off only those legal expenses for that property incurred over the previous 12 months. Most of the difference is PURE cash at minimal tax. The lower your active or working income the more you keep. If you earned 200K in your "day job" that previous year, you would pay most of it in taxes!! What is fair about that? If you made almost nothing ( less than 40K) you would have zero taxes. I am not a tax attorney, go ask one and they might agree! The required tax forms are very simple and uncomplicated. I have all expense receipts documented and sent to my book keeper who happens to be a retired CPA. NO tenant or tax hassles and it is like I am already retired. No debts to anyone except my annual utility, property tax and insurance requirements. My CPA charges are also lower since I do not need lots of forms to be filled out. Keeping it simple makes YOU money and not the accountants, bureaucrats and lawyers. I prefer to list with a single broker and prefer "Dual agency" where permitted. Many investors love getting deals by using the listing agent as their buyers agent. I try to avoid buyers who require mortgages. Fast and quick is better than waiting for inspections, reviews, loan approvals, Escrow and more and more clerks to muddle up the sale. The BUYER will make lots of money on the transaction but speed is more important to me than a few thousands. My agent loves the 6% + commish and they get popular with qualified buyers looking for almost instant equity. I have had some properties flipped with months and I do not care. I don't like waiting for the money I earned by taking a big risk ( cash transactions are always a risk).
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I recommend a different attitude. Never ever worry about what anyone thinks of your offers. The agent is required by law to represent YOU. You can not embarrass an honest and effective agent by offering "too low"! It is Your money or your future debt and you want to minimize your costs and get the best deal that you can. Ask yourself this question: Do you want a real active concerned agent who WILL negotiate for YOU? or do you want a "compliant order taker" who only wants to take it easy on the Listing agent. This is NOT dating! This is not a game! It is YOUR money, energy and time. In most real estate transactions for people like us ( non institutional investors) , think of you ability and willingness to go in to debt in sunshine or rain to buy this house. Consider the possibilities that YOU might have an emergency such as job loss, plant closure, illness, divorce, accident of you or a family member. In that bad situation, will you be able to comfortably pay your mortgage, property taxes and home repairs? Now think about how much you REALLY want to pay for your next house. I only use the CMV, comps and asking as a convenient benchmark that I use as a basis to evaluate what I think the property is worth TODAY and in the future for my situation. Most local agents work together in a real estate association. They know each other and try to stay friendly for their customers and themselves. In my area, when a Buyers agent gets an offer accepted 10% or more below the comps, other agents get upset since when the Comps go down other comps in the area can follow producing a downward trend. This can result in lower commissions. It is NOT your job to keep these commissions high. In my experience of buying and selling I average about 30% below comps for accepted offers as a buyer. No agent has ever been really upset at me (actually one was---he already bought a tickets for a cruise when I backed out of a deal when I caught him fudging on price and conditions). I found he did not disclose problems with the property that was clearly list as "confidential remarks" on the listing. I could have bought it in seconds by signing ( orally approved by seller). I will never take a chance when I have been lied to. Now he had to use his credit cards to pay for the cruise. I hoped he learned a lesson. Always carefully read everything before you sign it. Talking can no be in a contract for this large amount of money.
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My home is where I am. My work is where I am. I really don't have a Third place, because if I am in a place I enjoy, I remain there. I guess my Third place is where I am. You mentioned large cities with extreme disparities between the rich and people who have nothing. Cities define themselves as what they are, a high population density area. I redefined my life by trying to do everything I can and minimally relying on others. I built my own house and grow my own produce in the "country". I do all the "yardwork" and do the many things that others would do in a city. There are many good results. I know my neighbors and their names. When I have an abundance of produce I give it away. Making breakfast this morning I realized that I only have 8 eggs left. Later I will talk to a neighbor who keeps asking "do you need any more eggs?" I noticed that another neighbor has some family visiting, so I walked over to her house and gave her a few bags of vegetables and fruit. She asked if I wanted some melons and apricots. This is my world and it is not a bad place to live. No sirens from police or fire fighters, no noise from car traffic, no street people "hanging out", no homeless, no busses. I don't watch TV or listen to the radio. Every morning the sun appears and I can hear and watch the birds talking to each other. Do I need to travel to experience serenity? I drive so few miles each year and yet the "The world is coming to the end" people remark about my "polluting" vehicle which I rarely drive. Priuses have gasoline engines , so what is the complaint about? I have a few projects for today. I found an old dishwasher for free and I am now troubleshooting it and will soon have it running like new. The cost? nothing. I found that personal responsibility, planning, self education ( Youtube videos) and a slower pace can work wonders. PS: I don't have a job and do not miss it. What do I do for money? What's that? Don't worry be happy.
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I agree! I filed after ten years and first did research of what was involved. I studied open court files ( two years) before I made the decision to file. I prepared a comprehensive list of what I expected my lawyer to do as my legal representative and met him for a no charge 46 minute pre contract meeting. First, he asked me some questions and I honestly answered. His retainer to handle everything but the QDRO was $60K. Okay lets get started. I only read from my notes and no elaboration or idle chit chat --just the facts, no parrots or worries about nothing being "fair", unless he asked me a specific question. We went over each line item of my notes. He asked me if I had previously talked to an attorney. No. He was very impressed with my work and asked me what could he do since I took care of most of the work he would be doing. He liked how I handled the real estate issues ( two properties) to my satisfaction and also wanted to know how I got the signatures and forms required without alerting her to my plans. I was able to have my spouse sign off on our agreements but it took several years of "no contact" for her to finally relent and sign all agreements. She had hired 5 different law firms and two teams of investigators ( I caught them) to try to find "hidden" assets (there were none). It took me about five years to re invent myself and my career ( yes I was house less living in my car) . It took another 5 years to surpass my assets that I had accumulated at the time of the divorce. WHY? My goal was NOT an equitable or fair settlement but the quest for Peace Quiet and Freedom which I got (along with poverty) on the day I filed. PQF allows men to seek better and better productivity and success without nagging or that pesky parrot. I recommend my strategy for men with similar goals. There can be a happy life after divorce, but it takes lots of planning and keeping your mouth shut ( it is just like a war). Once I got approval from the court for the signed paperwork that was all I needed ( plus a claw back period) to avoid the hassles of a court supervising my life. No OSC's, no motions, no petitions, no responses, no counselors, no hearings, no more services AND NO MORE PARROTS. She can now say " I am NOT happy" forever if she likes, and it has no effect on my life. My adult children have returned from "Fantasyland" and "Wokeland" ( he must and she has) of our current family laws and policies. Marriage can be dangerous to everything you have worked for. BTW we did not have fights or arguments. While we were together I let her put my huevos in her purse! Who is in control now? A wife's mother, sister and friends can be exceedingly dangerous and they were.
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@fritzforsthoefel8031 In my experience, if you look at any non-government job. The employing organization Must receive an economic benefit of at least 4.5 times the total cost of having that employee ( sick leave, Workers comp insurance, unemployment insurance, FWH, SS contribution, FUTA taxes, state income takes, SDI, liability insurance, etc etc. As an employee in a job that must be prroductive, maximize your daily productivity and you will be noticed. This employee attitude is rare and you can get all the work and pay as long as you remain productive. This has worked for me in all types of jobs. I remain if I get the pay I need. I leave quickly for more pay. Superviros will quickly recognize this since they need you to make more money for them.
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David, David, Ahmed WHY? Please tell us about the external ( metal and polymer) painted vehicle parts ( Toyota and any others) ? I think it is shameful the poor wear quality of paints of most sedans and SUV's from most main stream manufacturers especially any paint with metallic ingredients. Why are the silver and Gold paints terrible? These paints might last a few months. Manufacturers and dealers already have the consumers money so should they care? The only color I can buy is a flat white with no metallic or pearl additives. Most people who work for a company do NOT have a covered garage to park during daylight hours. Silver or Gold tones, metallic paints, NEVER again. I anticipate the typical excuses (environmental, VOC's, characteristics of the aluminum powders, thinness of modern paints and more). The typical silver, gold or metallic paints make a new car look like it has a bad rash or a skin disease, flaking, rub off of very think clear coat within in DAYS. I bought one car within a few months and could not have it washed waxed and detailed. "Sorry sir there is not enough paint on this new car for me to hand polish and detail it! ". Why? My next new car I will have repainted with REAL paint that does not chip or peel when you look at it before driving it. High standards for paint coatings? Lets talk about it.
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I experienced the same problems until one day I had a conversation with an attorney. I complained about the lack of jobs that paid a decent income for my education and training. He gave me an important bit of advice. Look around. Is there any work that you think must be done? When you notice that work must be done, learn how to do that work and learn how to be productive in that work. Once you can master that just start working at no pay! Supervisors and managers are very concerned about getting the job done, when the job must be done. Supervisors and managers crave to find workers who are efficient, productive, give no excuses and just get the job done perfectly. Soon, it won't take long those responsible for the work will find a way to pay you. I also learned to never be concerned about your skills training or education"earning" you the "rights" for more income. A person who needs work done does not care about your diplomas, degrees, training and resume's they care about one thing. Get the work done as quickly, productively, safely and cheaply as possible. I am not including government type work. Also never look down on any type of work! If you have no money you are not "better" than a low ranking job that pays something. Consider this. If you need work done no matter what it is what are you looking for? Perfection, productivity, safety and at the lowest cost. It is rare for US workers to have the work ethic that maximizes their productivity for the hours they work. I have a technical degree with excellent experience and make much more money by working so-called "spit" jobs that pay much more. Why am I working? For fun, ego or for money? How can someone with such a CV, do this crap work which is way "below" them? It is the money that speaks to me. I no longer need to work! That's my answer. Each of us must find work that we can do that pays the maximum benefits. The work is there, you just must find it. Years ago my hourly rate was $150/hr. Previously I was unemployed at zero dollars/ hour.
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Again Excellent on inspections. My last house I hired 6 different specialists all scheduled the same day. Each specialist was a licensed contractor for a specific aspect of the house" Electrical, plumbing, structural, roofing, pest control-termites ( two different ones), General construction, HVAC, chimney fire places, water well, septic. I pay for these inspections and they work for me only. I require photos and a scale sketch of findings good or bad. I require GPR ( Ground Penetrating Radar) for all concrete slabs ( rebar quality and voids and other defects) I never use a "love letter" in writing, it makes me a weak buyer. However, providing a "love letter" but orally is fine through our one dual agent. I don't like any part of the transaction that is NOT in writing including the "love letter". A love letter is just talk and emotion which fine for sales but has no business in a written contract. Can this be a legal issue? Not when I buy. In my last deal my "love letter" was concerning the emotional interests of the seller, only, and it was done by speaking it. This did motivate the seller to accept my lowball offer as the Best ( fastest) for them. The Lowest and Best offer won out of six offers. The seller wanted Best ( fast) over price. I worked independently worked with the underwriter of the sellers mortgage company and the underwriter from my mortgage company for agreement on trying to avoid a short sale. Our Dual agent should have done this, but they only knew how to sell houses and not negotiate with mortgage underwriters ( also involved loan servicing depts).
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Intersting and informative. In my last transaction as a buyer there was nothing on the local MLS that mentioned anything about a short sale. Before making an offer I always talk to the neighbors first to learn about the area, the crime, the environmental and poltical hazards of the area an most importantly who lives in the house, what is going on there and why is it for sale. snoopy neigbors know everything. I used this "secret" ( not disclosed ) information to my advantage. I checked the records with the County recorder and that told me everything that I needed to know. I contacted the bank that held the mortgage witthout permission of the seller and was able to speak directly with an underwriter. The listing price if sold at that price could have cured the mortgage debt, but I knew that to the lender time was most important. Short sales and the foreclosure process take lots of time and costs money to the mortgage holder. I have not discussed any structural problems that any house can have with a thorough inspection. I informed the underwriter about what my offer would be ( making this a short sale, since it was 20% below asking) the underwriter was enthusiastic about getting this non performig loan off their books as fast as possible and at the lowest cost. My offer was accepted by the buyer as best ( but not the highest offer). Why? I can close inside of two weeks avoiding a foreclosure. The mortgage holder usually has an appraisal first , but he decided exterior photos only were required. All involved won: Mortgage company, seller, Real estate agent- both sides of the deal, and me, the buyer. The RE agent had NO clue into solving this potential problem. Instead I did most of the "heavy lifting" and closed the sale.
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Todd Sachs! You are beyond correct with your opinions in many ways and I agree with you. However if each of us ( real estate home owner, seller, buyer fence sitter, investor) is to survive there are more solutions. I have a similar experiences and after the last housing boom and bust I developed my own rules. I have a long list and am currently doing well with my properties. One of the important things to remember is that the land ( urban, suburban or rural) can be worth much more than the house structure. I also follow the 7 D's of real estate rules when buying a property and NEVER, ever get in my mind that the listed asking price has anything to do with my offer. I never "fall in love" with any house or location. Money is made in real estate through prudent and proper buying not selling, flipping or renting. In order to have the freedoms to follow my rules you MUST have a carfeully developed budget which must be always followed. Dave Ramsey is a start. You must not fear sweat equity, since every that is spent with DIY projects is like paying yourself an hourly that might be more than you earn yourself. This is like money in the bank. I confidently learn DIY via research on Youtube videos just like the technicians and craftsman who I could employ as high paid specialists. Many contractors ( framers, carpenters, electrical, plumbing, roofing, HVAC) tell me that they are always learning via YT videos. Why not me too? Lastly, I am worried about one situation only, my own. I am no longer affected by the market and my attitude is good even though many neighbors around me face issues of the market. My last property was using a 10 year conventional mortgage at less than 3% that I paid off! Opposite of all conventional wisdom of agents, builders, finance experts and bankers. My idea is that NO monthly debts is superior to so called "low interest" debts. It gives you the freedoms you need to think clearly. Each of us must be able to work in multiple occupations. Flexibility in employment is more important than hoiurly, monthly or annual wages or job titles! Fancy job titles and fake "Ata boy awards" don't pay the bills. In California, today working in fast food sweeeping the parking area is $20/hr. The more you earn in a regular job the more you pay in taxes. Now look at the rules for Capital Gains! Much lower income taxes with LTCG. So I agree with a few rules for life. hint: I continue building.
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I just found this channel since I want to learn about Incels. I know a few men who are educated and are virgins. They are not fat, short or uneducated. They don't have debts and have good income. They are not creeps or have other negative social values. They are not gay or other gender definition. These men do NOT believe they are incels and I would never suggest to them that they are. However at age 35 with zero experience with women, how else are they defined? How do I know? Women have approached me and advised me of their interest in them because they did not respond to their flirting. I have my own "roster". They asked me to "set them up" since they did not want to be more forward. One of the men asked her out and she later told me the date was a disaster. Today she is married to a short, overweight and bald guy with a lousy job and they have three kids! ( she was not hypergamous). Both these men ( incels?) have high self esteem and self confidence. Neither are so-called gamers. I noticed that both have a of fear making any direct approach to women. Recently, one of them was accused and arrested for "sexual harrassment". Luckily after spending over $20,000 in legal bills, his case was heard by a judge, a woman judge. She knew immediately that he had could have not done what was claimed. His demeanor screams I am an "incel". If I were in his predicament, no one would have made the same fake claim. He was shy before, but now he is super shy of any women ( including old ladies) . In my view, of these two men, they do not lack self confidence, perhaps they should have less. In my experience, I have all the women I ever need ( "A man chases a woman until she catches him" philoisophy works for me) and am puzzled how and why these men have been pushed into a corner by our gynocentric culture? It is not my problem, but theirs. I doubt that they will ever get out of their situation. Care to comment? I know other men who I would not place in the "incel" definition, but the only way they get women is by visitng professionals. One of them had an arm amputated because of a serious car accident. Before the accident he had lots of women vying for his attention. Today it is call girls. He is an engineer and can afford them.
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I am located in California. California is a two party consent state for audio recordings. IMHO the employer said too much. The ER is only required to provide the employment termination notice, appeal procedures ( if there are any) and instructions for the former employee to return any ER property and materials, collect their personal property and exit the property. At this time they should hand the former EE her last paycheck. Some organizations also have a voluntary HR exit interview used to detect possible violations of law by the ER (Descrimination, Sexual harrassment, possible criminal activities or fraud by ER employees). I have been fired several times ( none for cause) and learned several lessons from these experiences: Never ever form any close bond with any organization or it employees. It is ONLY a job. Isolate your private life from work. They must be two different worlds. How you live, your opinions, your interests, friends should NEVER be known by anyone at the employment organization. I have organized parties and events for retiring employees who have Excellent productivity and loyalty to the organization and most employees vaued them, but the organization DOES NOT CARE, EVER. It is Always about profit and control of others (with or without that stellar employee) . I have seen lives destroyed by the machinations of the HR department and the "Elite' in organizations. I have seen employees with 30 years exemplary service, never using sick leave or costing a dime to the ER, yet they were virtually toasted and roasted to hide petty egos and illegal activites of the organization. Always always have a Plan B C D or E to exit. Never trust online job searches since many are fake including those who are supervising you or "competing" with you. Remember that "active" income (employment) almost always has higher income taxes at any salary and lower benefits than when using "passive" income.
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@125loopy Where do you see the evidence of your speculation about his interest in his own children ? Your ad hominem remark is not an argument. FYI do some research on MGTOW ( Men Going Their Own Way) and learn something. I do not hate women, instead I love them but I only "date" married women who ask me first . Recall the #MeToo rights of women as perennial victims. I have many "wives" but none can divorce me, they are already married. If you are a single woman (unattached at present) you are either approaching the wall or you are over the wall. Neither is a good place to be. If you are a Lesbian, you may not reproduce saving thousands of future human lives ( Thank you Darwin). If you are a male you are either a homosexual or its heterosexual male equivalents such as cuckold, simp, incel, mangina, white knight or blue pill orbiter. While you are a keyboard kommando, ask yourself why it is that so many married women have children by men other than their husbands, and do not tell their husbands. This is called a Non paternity Event ( N.P.E.). Look it up and cry. As many as 20% of us do not know who our biological fathers are.. Thanks to feminism, lying and subterfuge by wives. Explain it.
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There are reports that at least once NATO commander and possibly other military leaders are in hidden locations within that area. What is the source of potable drinking water? eatable food? energy for HVAC and military equipment? The last I hear is President Putin order the area SEALED and not one rat or insect is permitted to leave. Yet knowing this order Zelensky adamantly refuses ANY compromise. It is easy to do by just ordering this. He is not threatened in Western Ukraine. This reminds me of Stalin orders to shoot the back of any Russian who failed to march forward during the battle of Stalingrad 1942-43. The elephant in this room is HOW are the commanders of the AZOV group communicating with Kiev with their orders to the Ukraine troops?? Wireline (telephone, FAX) ,internet , radio ( UHF, VHF, LF, VLF, ELF), satellite, carrier pigeons, runners? This will be a very interesting story as it unfolds. The fleas on the tail of the dog wagging the dog?
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This is EXCELLENT! In my experience interviewing people I have observed an estimated less than 0.1% ( all are widows) of single mothers as not being a potential legal liability in a marital relationship. If a man decides to select a single mother for a marital partner he must consider the enormity of all the many potential LEGAL and FINANCIAL responsibilities and HAZARDS. Now men, its YOUR choice that will affect the rest of your lives. You do not need to be a narcissist, emotionally stunted, entitled, unempathic ,arrogant, attention-seeking, oppositional controlling, egocentric,fragile and "oversized" toddler to understand the laws of the USA. Under the laws of each state and under most legal venues single mothers are defined as victims with men as the perpetrators of this "victimization". One result is that this category of people is assigned special rights and benefits under laws, regulations and policies. Initially the burden for support is provided by the government and many times the burden is shifted to undefined others, usually men. Watch this The Maury show 34 men who is the father? https://www.youtube.com/watch?v=aU9LQtnpQ7g
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Thank you for your opinion and valuable information. The FDIC claims that it insures deposits, but where is the money it is supposed to have to make the insurance payments? The FDIC has limited funds to pay to back bank account holders. Here is my personal experience. In 2008, I was a victim of a bank seizure by the government. I had a passbook savings account with only about $20,000 balance. One Sunday morning I received a very unusual telephone call from a person who claimed to be an employee of the Comptroller of The Currency. They claimed that the bank was seized by the government. This was used as a pretext to ask me dozens of invasive and personal questions allegedly to determine my identity and also to answer a question concerning how I want my bank deposit returned to me (Privacy Rights?) . The caller was a male and rude, bellicose, belligerent, evasive and smug, typical of a government employee. He told me I had TWO choices: 1) Complete an application to the FDIC to receive my savings which could take as long as 90 days ( No law requires RAPID DISBURSEMENT!! ( what is the penalty if they fail?) or 2) allow the new bank to receive my savings which could be available depending on the new banks requirements. The government clerk treated me like I was a criminal! I asked a few questions and he refused to answer ( They have my savings-how dare they!). He did admit that some bank officials from the old bank transferred to the new bank. Why? If I mess up I get fired in my job. I was annoyed by the disgusting attitudes and behavior of the caller and know it is best to NEVER argue with a government employee since they can and will make my life a living hell ( a job benefit?).
As a result, I started learning about the US monetary system by watching a YT video titled "Money as Debt". Once I understood that a Federal Reserve Note (FRN) is never backed by anything of value. Instead, it is fiat currency and the "value" it has is proclaimed by fiat only! Essentially money is nothing more than the representation of an IOU of a debtor to a bank member of the Federal Reserve banking System. Why rob a bank when a bank can conjure up currency, as much as it wants as long as a debtor promises to pay back the loan plus interest? A perfect Ponzi scheme! It is much worse than this however, and I don't know how the Kleptocrats (Federal Reserve and politicians who OWN and operate the system) fully comprehend how evil it is. When banking statutes, laws and regulations are violated who goes to prison? None of them! I realized that my ability to trade my labor for consideration to another has much more value than money. Many millionaires are successful in avoiding "active" income and use of money. Each transaction can be taxed ( interest or taxes) to the detriment of everyone but the banks.
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@SirFrag32 My first house I bought this way California was in a housing bubble. Houses were getting sold within minutes and it was CRAZY. BUT Facts are facts for seller and buyer. I had offers on over 15 different houses and was ALWAYS the low bid. Agents refused to talk to me! Then I got smart. I know that agents NEED BUYERS, QUALIFIED BUYERS WHO CAN CLOSE FAST with NO questions. So I started running credit checks on the seller, Court records, County recorder, police reports and hit paydirt! I learned EVERY 'fact" on the local MLS service by the listing agent was a LIE . So I built my plan. I placed the house under surveillance 24/7 the day of listing,. Wow, lots of agents showing the house and LYING about the facts of the sale ( this is why there is so much paperwork to buy or sell). The most of the paperwork is to PROTECT both agents. I contacted an RE attorney FOR one free hour and told him what I found (lying and cheating agents). I added one simple phrase that looked innocuous in my offer, but it was a potential "hook" that could destroy the seller if she was not compliant. Most agents pretend that they are "attorneys" and talk legal talk when they know NOTHING ABOUT THE LAW. The attorney told me he would intercede on a conference call with Escrow if my offer was accepted to force them to follow the law.--FOR FREE. He was that upset about the lying and deception. My offer with the "poison pill" requirement was accepted by seller with the support of her listing broker! Why? the secret info was that the house would be auctioned in three weeks.if not sold FAST. The seller was upside down on the mortgage, but I DO NOT CARE, I am not the one in debt. So just before closing ( 10 days) the seller did not comply with my WRITTEN offer. I called the listing broker and informed them I was filing a lawsuit if the agreed terms were not met. SHTF! Big time. The agents provided money to the seller to meet the requirements but they were objectively NOT MET. I had them by the "huevos"! So for me to accept their back up explanations I received a 34 foot motor home and trailer pink slip and registrations to ME as the new registrant owner. At closing I traded this equipment to workers for their work to complete the work of the seller. Perfecto! My offer included a statement that ALL persons, and ALL "personal property" (listed) including vehicles and any refuse was to be removed from the situs address 10 days prior to close with an additional walk through on specified date by agents and buyer to assure compliance. It would have cost me over 40 k in legal bills by an attorney if seller did NOT comply. The RE agents were praying that I would be happy since I told them I wanted to know their E&O insurance information (legally required). They were freaking out wanting me to close on this transaction over 30% BELOW comps and asking. If I don't get the property and am NOT satisfied they do not get the commissions and shortly the house will have been auctioned.. I do NOT accept BS from any salesman. They are needing me since I have the money to close FAST. I used a short term mortgage and they did not inspect since they knew I was saving them money and not a risk with my accepted low offer! The listing agent was so freaked out they gave me a key one day before closing! why I discovered four unnamed tenants on the property that were hiding inside. A little "muscle" got them out and I had the property locked down ( with a security patrol) BEFORE closing. 48 hours later, no tenants, and I got the deal of the year. My patrol people were required to ID EVERYONE who tried to get on the property. This attitude scared the "dirtbags" tenants since they all has illegal - sketchy histories. You must be in control of the situation. I see this ALL THE TIME. I never "bow" to agents, they are NOTHING to me.
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Thank you Comrade Michelle Smirnova ( He/she/it- them). You exactly explain what I warn people: Never use an FHA mortgage, GSE government backed mortgages, No Down Payment and no Second Deeds of Trusts. Lastly never be a renter. I rent out any property to non commercial tenants only.
I started out house-less and rent-less, living in my car. I learned that there are ALWAYS plenty of jobs. The only issue was" How much did someone think my work was worth to them". No person is ever "above" any job no longer how low on the hierarchy of jobs. If a job pays anything, I am available to work if I have the interest and skills. Today I own ( no mortgages) many single family dwellings and I continue to Buy and Hold and never allow any tenants, "guests, visitors or other freeloaders" on my properties. I worked hard to earn the money to buy these properties and know ( as a former homeless) what the REAL social problem is. It is not racial, ethnic, education, gender, poverty, sexual preferences, illness, disability, drug use, alcohol use or the "Patriarchy" that explains why some Bolsheviks want ( DEMAND with riots) more and more with ZERO responsibility. There is one more group in this "intersection" that many forget to include. The group of those who do not have a high level of achievement motivation, the lazy, the blamer's, and the "victims". Under your definition, I am also a victim of "housing insecurity". My primary residence is only 10,000 square feet but my needs include the 40,000 square foot houses that Al Gore ( also has two jet aircraft) , Barack Obama or Bernie Sanders. I have never been in any Census. Who is representing my group of workers? We claim no reasons or excuses for failure. I see Communist Bolshevik ideology written on your face comrade.
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A few years ago I quit my job. I was tired of the rat race and "corporate or "government" culture. I had no job and no savings! I did own an old car which I lived in. I did not apply for jobs and learned a lot about life. I spike with a very wise man and posed the same questions that I see here. There are no jobs, and when I find a job, they pay is below ore at minimum wage. Up to that point I believed the propaganda I had heard from public school and experienced in the culture. My value is what I do for work. We all know this is not true at some level. So what is this value? I have selected responsibility, accountability, honesty and productivity. There are 24 hours per day and most people think a job is 8 hours per day for five days per week. The reality is that the requirements of a job are much different. Few jobs actually require 8 hours per day. Most jobs are less than this or more than this. The duties of job should not be restricted by theoretical hours. One result is that from the perspective of the work of a job most employees are not productive. I carefully used the word "employee' not worker. Ask a person responsible for tasks in service or production of goods. Which do they prefer? Workers or employees? By law, employees have many more rights than the requirements of the duties of work. I redefined myself as a worker and not an employee. In this way I see work as being productive and in competition with employees who are not as productive, because they can not be due to the labor laws and tax regulations. Ask a person who is responsible for a work product or service what is the Real cost of an employee? It depends on the organization. Generally in private business it takes > 4.5 times the total cost of an employee for the employee to pay for themselves through their actual work. Once a potential employee learns this the sky is the limit on remuneration! As long as you are Not an employee you help increase the profits of the organization. This is not true for government work, since over 90% is just overhead compliance with made up rules and regulations. There is no Social Security benefit Is there one now? There is no sick leave, vacation, medical, dental insurance, labor unions, overtime or Workers compensation. The difference?
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@trexmarkus I agree that this can be true, but there are exceptions. These exceptions are based on the fact that obsessive performance, productivity and goal seeking behavior are what most organizations crave, just like an addict. I have worked lots of "low status" jobs and have been "ripped off" by a few. These qualities are so rare in most workers that it is immediately recognized by those who are responsible for the work. I never needed to market or advertise my services because, my behavior preceded me. I found that marketing and advertising were to the advantage of the marketers and not me. One day, I was contacted by a person who was familiar with my work. They asked me if I would be interested in meeting someone. They asked me my fee and I replied. They did not balk at my fee and went through the effort to get me what I wanted. No negotiations required. It took them a few months to get the paperwork done and massage egos but they came through. This pay was higher than the pay of the manager who hired me. I was told no one makes this money. They wanted me to start work immediately without the pay and I relented until they met ALL of my requirements. I told them my work should take at least one year. I do not want meetings, reports, lawyers questions and updates. I am always unemployed but that year I made more money than I could have imagined. I worked diligently , self-directed knowing the goals. At the end of the 12 months I was terminated. Three months later they contacted me and begged me to return. Why? It took three months for their accounting department to figure out why there was so much money in their operations budget. After a hush hush meeting of higher level managers I was hired back at the same rate. They advised me that I was responsible for saving them over 4 million in the annual budget and they did not know how I did it. Another year later and the top decision maker was promoted and I was unemployed again but I earned enough to not have to work for many years. Shortly after this I was approached by another wash rinse and repeat. I had no training in the fields I worked in . Careerism and labor laws cause bloat, unsustainable employee titling structure and poor productivity. There were departments of employees who were supposed to be responsible for my work before I arrived and they are still working like drones on nothing. They have nice job titles, salaries, benefits, holidays, vacations and a 40 hour work week and I had the money I wanted. It is YOUR choice: 1) Pretend to work by selling your time for money and having a "job" or 2) Living on the edge with zero guarantees and getting the job done! Once you are returning at least 4X your total costs others will be interested. It is ALL about attitude.
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Housing is never free. If you have a source of income ( job, welfare, unemployment, disability for being a drug addict or alcoholic) and spend your money on tattoos, dope, booze, video games, Lottery tickets, gambling, restaurants, smartphones,cable tv, internet, tobacco perhaps you should reevaluate your priorities. There are disadvantages to being stupid. @edwardzignot2681
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Home? What's that? My home is where I live! One of the unspoken problems about "homeless" or jobless" is that there is no law that says you must be an employee! Each of the homeless can see jobs in every direction. The problem they have is will the job pay them any money? Will the job pay benefits like sick leave, vacations, lunch breaks coffee breaks, workers compensation, Social Security, Medicare, SSI, SDI, pensions? nope! The money you earn is what someone else is willing to pay you to do the work. There are billions of jobs out there. Are you looking for a cushy do nothing government job, or do you actually want to be productive and get something useful done? I have worked from the age of 12 and yes I have made bad investments and ended up homeless, jobless, and assetless, more than a few times. 5% years was my longest stretch but when I caught up I was doing very well in just a few months. I do no fill out job applications or have resume's or CV's. When you are REALLY productive everyone (including governments- some of them also need to have something completed quickly and under budget) notices. People will line up begging you to work for them!! Try it! It doesn't matter what you skin color, creed, ethnicity or gender. Be Productive at Everything that you do. That is you work history. @demp11
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@JMoney_15 I like your use of the word "sounds". Yes you are speculating about my experience. I have been homeless several times, and each time I learned and survived to improve myself and my standard of living. I continue refuse to accept handouts and government support. I learned a few valuable lessons but when I report what I learned few people will adjust their ideas of survival and living. Lesson #1) Never assume a "job" is "below" you, as long as it pays something ( including below minimum wage). I will frequently start working on work that I see must be done. Yes not "boss" no HR department, no applications. no "benefits". What is the result? Owners and supervisors get excited when they see a worker be productive that they offer me money to keep working. One owner paid me $125/hr just to have me work for him, with no "boss", no meetings, no HR, no benefits, no breaks, sick leave, no uniform or equipment, and no evaluations! I worked for that company in "secret" along real employees just because I gave NO EXCUSES and kept my mouth shut. That gig lasted 24 months. You figure it out. Who decided the pay? Me. They wanted to start me off on "probation" at minimum wage. I said NO, and it took them two months in legal to figure out how to pay me. If I can do this anyone can. Today the person who hired me ( real top level career) is now out of work and living in a trailer. Do I feel sorry for him? No.
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When I am in the market as a buyer in the market for a Single Family Dwelling, I am actually in competition with every other buyer in my market. Advantages go to those who have better credit scores, have less debt, a lower DTI score and can close fast. We can all agree on this. But there is one factor that places me in a huge disadvantage. It does not matter how much money I can put down, how much I can actually afford, my credit scores including DTI ratio or my base income. This is that I am also competing against those with "Inside information". In the past I have worked with Buyers agents who bought the house that I was trying to buy. How did they legally do this? The Buyers agent had an alleged "room mate" who came out of nowhere and knew ALL the details of my "confidential offer". How did I find out about this? I researched the person who was the succesful bidder ( and new owner) on the house and learned that my Buyers agent actually moved into the house, but as a "tenant". I later checked the County records and also found his name on the Deed. Legal? The Buyers agent got 50% ownership because he knew about the "deal". ie he paid NO MONEY to get his equity. His equity was the knowledge that I learned from my inspections that I paid for and knowledge about what I learned about the property. I am not a real estate attorney but I think it is unethical and immoral. What is the penalty? Almost zero since I have found that in California, many investors get a Real Estate license not to sell real estate, but to get "first dibs" on all the hidden deals in the Multiple Listing Service. Currently, in my area about 40-50% of all sales transactions of associates and brokers are with Dual Agency contracts. From my experience, the most important FACT about a house is not just its construction, size or quality but it is Location and the Sellers reasons to sell. Is this why many top Real estate brokers claim that the Seven R's of Real estate ( or foreclosures) is where they make most of their profits? I am talking about what is actually "insider trading" with unknown and unspoken information that ONLY agents have access to. In California, this is called "Agents Confidential" information on an addendum to the listing NOT AVAILABLE TO prospective buyers or buyers. It is available to the buyer ONLY after closing. Why the secrecy to the disadvantage of many prospective buyers? This is why as a buyer, I never provide details of inspection reports that I PAID for to my agent, broker or seller, unless it is solely to my advantage much later in the sales negotiations. The negotiated price must be lower before I disclose the negativity that I discovered. Cooments?
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@redtiger7268 In my experience, a quote from Emperor Marcus Aurelius Antoninus Meditations Book II Verse 9 "What the nature of the whole is; what my own nature; the relation of this nature to that; what kind of part it is of what kind to whole; and that no man can hender your saying and doing at all times which is in accordance with that Nature whereof you are a part." When I am assigned to investigate a robbery, rape, arson or homicide in San Francisco do I start my search in Chicago? New York? In a retail robbery, do perpetrators travel from Nebraska to San Francisco to commit this crime? FBI statistics indicate that most perpetrators reside close to their targets. Why is that? Does this quote above provide aid for understanding?
Hannibal Lecter: I’ve read the case files. Have you? Everything you need to find him is right there in those pages.
Clarice Starling: Then tell me how.
Hannibal Lecter: First principles, Clarice: simplicity. Read Marcus Aurelius, “Of each particular thing, ask: What is it in itself? What is its nature?” What does he do, this man you seek?
Clarice Starling: He kills women.
Hannibal Lecter: No, that is incidental. What is the first and principal thing he does, what needs does he serve by killing?
Clarice Starling: Anger, social acceptance, and, uh, sexual frustration …
Hannibal Lecter: No, he covets. That’s his nature. And how do we begin to covet, Clarice? Do we seek out things to covet? Make an effort to answer, now.
Clarice Starling: No. We just …
Hannibal Lecter: No. We begin by coveting what we see every day. https://www.youtube.com/watch?v=talM_BVxhAc
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You bring up a LOT of new issues: THE MOST IMPORTANT issue for the value of a single residence property is LOCATION, LOCATION AND LOCATION. The Listing agent has opportunities to LEARN ( or NOT want to know) about the many pitfalls and advantages or values of a specific location. In many cases it is NOT possible to learn about some of these issues unless the buyer does the following: Visit the area near the potential property on the weekends, early in the mornings on week days, afternoon commute times. Scout the areas near the local public schools for traffic congestion, graffitti, unreported criminal juvenile activity ( kids have rights today). Many communities allow, permit or approve livestock or poultry as pets. The only way to know about this is the LOUD rooster calls at daybreak. Do you want to owe a small fortune on a mortgage on a property that is surrounded by the daily screaming of roosters? Or how about wild teenagers who like to burn tire rubber at all hours of the night racing their cars? Do you observe "too many'" freshly painted walls? Is this to hide LEGAL Graffitti legally defined as "artwork"? Are there "crazy neighbors" that the seller is trying to avoid by selling the property? Will they now be YOUR crazy neighbors to enjoy? How about the practice by some estate agents of parking expensive late model rental cars (Mercedes Benz, Porsches, BMW's, Mazeratis) in driveways to make it appear that a higher social status persons live in the community?). In some areas like Los Angeles suburbs, agents will actually hire Equity member "Background actors" to "walk" in appropriate "attire" in the area acting like they reside there ( non speaking roles only) to increase the perceived value of the location. How do you know about these issues unless your Listing or Buyers agent tells you? How many Listing agents or Buyers agents want to scare away a potential fast close at asking price, by telling the truth? I can go on and on with these questions, since ALL of this has happened to me. A 180 DOM property that just never sells with new late model cars parked in the driveway ( vacant house) ? Oops and now it is SOLD. This is why I prefer Dual Agency. One important advantage of Dual Agency is that it requires a strong moral, and ethical agent to know how to walk the line protecting and representing BOTH parties ( Or more including mortgages, loans, and local building code approval knowledge). A part time agent will not last long attempting to HONESTLY juggle the needs and prserve the rights of all parties to the contract. Any dishonesty will quickly include a lawsuit or two. Estate agent E&O insurers do NOT enjoy handling any serious claims.
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In 2008, I received a telephone call from a person who claimed they were with the Comptroller of the Currency. They asked me many personal questions and I refused to answer. I knew they were with the government because they had that typical attitude of "YOU are here to serve me", obnoxious, arrogant and any other pejorative like you would like to add. They called me on a Sunday morning and informed me they were notifying that "the government" had seized a bank I had a savings deposit in, and to ask me where I wanted my money. I was given a choice. 1) Leave the money in my account in a new bank that was selected ( by who?) , or I could APPLY to the FDIC to receive my money, WITHIN 90 DAYS!! Lucky for me that this was not my life savings or I would be very angry at the system ( Federal government, Federal Reserve, FDIC, banks and regulators). I was curious about what happened to the actual people at my bank who created this action. I learned that the executives involved with my bank were ALSO INVOLVED with the "new" bank. So what is the difference? A failure of employees are just moved over under a bank with a different name. In order for ME to trust the system, at the very least, I want to see PERP WALKS of those responsible on national TV and prompt indictments, filings and legal actions to prevent them from having these bad behaviors. The amount was only $20,000. But I know that most Americans at the age I was did not even have $20,000 savings and were swimming in debts and owing mortgage debts on real estate properties worth much less value. Anyone can see that a person with no job or prospects for a job should Never be encouraged to lie on Loan documents so they could get the DPA and loans for a house they could never afford. No one was incarcerated in any financial services industry, why is this? If I mess up one small detail on my taxes I can go to prison. EQUITY in personal penalties is required. That "new" bank is now owned by a sketchy bank with inside contacts with all the regulators that they had before. This teaches me a lesson about FIAT currency and the Federal Reserve. They are there to FEED THEMSELVES ONLY.
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As a prudent buyer I will usually pay 20-50% down payment. The weaker the seller, the more I put on a down payment. I gauge my down payment on how desperate the seller is. ( Five D's of Real estate - Divorce, death, drugs, booze, disease, debt, job loss) Wobbly sellers do not want long escrows and want a FAST close. They don't want to endure more complaining, reasons and excuses for the sale to not close quickly. When using a mortgage I rarely have a thorough whole house inspection by the mortgage company. A few photos and comps is all they need as long as they have less skin in the game or risk. If I mess up they still have plenty of equity to work with. I also require any mortgage company to notify me if they plan to sell the loan servicing rights or the loan itself. I want to make my own offer on that debt or pay off the mortgage immediately. Most buyers do not realize that the "warm and fuzzy" and nice guy mortgage companies are rare, and they will likely sell the debt to another who is not so reasonable, reliable or frankly just not honest. You NEVER want to be in debt to a crook or shylock ( individual or bank). The time, energy and legal costs to fight them and bring in sewrious regulators is not a good use of resources.
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@johngund9921 I am ready. Think about this. What has the most value to humans? Rank in order of importance: Water, food, clothing, a safe place to live, reliable transportation, and money near the last. If some steals your money, what do you have? If a bank closes and keeps your savings, you know crooked bankers never go to prison and they have your hard earned money. What about Gold, Silver, diamonds? You can not eat these, only trade them. If someone has "lead", it is more valuable than all the Gold in the world if it is not on "your side". So accumulate water, food, clothing, tools and have housing which you own. Do you think housing ( SFR) is valuable now? It can protect and store all of the above safely in all types of weather. So SFR in the correct location is very very valuable to most humans. Instead of just investments mostly on paper just like Fiat ( no intrinsic value) currency.
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What about the possibility of BFP or BFN lab results? NAAT? I would have liked to see other results such as serum B-12, CRP and AST, ALT Liver enzymes, ESR, D-Dimer, homocystiene, HbA1C, CBC, T lymphocytes, B lymphocytes, WBC, ferritin levels and admittance exam including pulse oximeter. Was there a PA and LAT chest X Ray or CT scan? Lots of questions? Why was patient examined the second time? Was there an Epidemilogical cluster interview at each medical assessment?
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Nice! I agree, I am not miserly and if I need or want something I buy it. My options: Coffee: I also enjoy coffee and use fresh roasted beans. I use a gravity method that consist of a large mouth canning jar with a mesh filter. Nothing special. Less than $5. If I am in a rush and want a quick extraction I use a Moka pot from Ikea also about $7. For a desk I found one at Ikea. It is only a thick picee of glass fastened to four aluminum tube legs. Nothing fancy. I read books, so I use them to raise and lower my PC. Today I just ordered a new book from Mark Dice ( The War on Conservatives). I use 6 books to raise up my PC monitor. If I want to increase or decrease the height of my PC monitor, I just use the books that I have read. I built my PC. When I have a technical issue, I troubleshoot and repair it myself. I use Free Linux operating systems and only Free Linux software which are mostly Ad free spam, Spam free and scam free. As a back up PC I built another DIY computer called an "Atomic Pi" for $40. My desk chair also came from Ikea. My smartphone does not use iOSs or Android , instead I use FREE and spam and spy free GrapheneOS. You have one dog and I have 16 of them. I foster dogs for free as a hobby. You must pay income taxes if you make any income and working for free is still legal. Vacuum cleaner: I use a regular whisk broom and a mop and bucket to clean my floors, it seems to work well and I don't have issues with batteries or repairs like the mostly unrepairable robotic floor cleaners. I don't like to buy anything unless I can fix it on my own. I must have all available parts and schematics when I buy. If not available I skip the purchase. I am a strong "Right to Repair" advocate. I will soon be buying a new DIY Laptop, mostly for fun. This is designed to be a 100% DIY project. Framework provides each laptop part that you will ever need for upgrading or repair. https://frame.work/products/laptop16-diy-amd-7040 Why deal with lousy "tech support" from "Lower Slobovia" when I can troubleshoot and repair myself with minimal tools and equipment? I installed a new 38 SEER Mini Split Heat pump to provide excellent heating and cooling at a low energy cost. I found you can buy most commercial items at wholesale prices if you just give them a Contractors license. This unit installed runs about $8,000 and my cost was less than $1,200 with me doing the work. I cut my heat and cooling bills by more than 50%. Youtube videos help! Lastly my dog food, Vet bills and Vet dental bills are paid by volunteers who want me to keep being successful. Each dog gets an annual Vet teeth cleaning at no charge. I don't have car heated back rest. Instead I bought a new car at MSRP that includes heated seats. No TV, CD, entertainment devices in the house. Why? Everything I need is free online. I splurged on my internet by upgrading to over 2,000 mbps down and 1,400 mbps up wireless T Mobile Home Internet at a locked in price of $50/mo.
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Yes, Only desktop computers here. never Windoze, Never Android, Never Crome-oid, and Never Apple-mania. No "smartphones", "smart TV's", televisions, GPS devices, automobile computers, trackers and no smartwatches tablets or Fitbits. I use a phone to TALK and never TEXT, play games or use "social" media. Yeah for pencil and paper and analog sundials..
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@freespiritable May I ask, What country you are living in? The Unites States includes many who want free food, housing, education, medical and hospital care, clothing and they also want "Open borders" so anyone from anyone can enter and get a free and nice place to live without ever having to actually do any work. Unfortunately the only way this can occur is with Communism where no one owns property , clothing or personal effects and all must follow the dictum From each according to her abilities and top each according to her needs. In this way the government will tell us how to eat, live and die. Those at the top of the government will have everything they want. This has been tried out for over 100 years in the former Soviet Union, Korea, China, Cuba and Venezuela and it always ends in murders of MILLIONS , to suit the planning by Communists at the top of the hierarchy. In the USA our public schools teach that homosexuality is normal and even that bestiality and pedophilia are good.. In most states these segments of the sexual rainbow are now legally protected, Abortion is a national institution where a wife can LEGALLY have secret abortions to hide her infidelities. Infants are now being named for non gender sexes and are called "them" and "they" so that public school teachers can push them into various genders ( over 73 genders in the state of New York). Interesting that my pets only know two genders. In the USA a man getting pregnant is applauded as the "left thing" to do. We even have a former Olympic athlete who wears high heels and a push up bra. If you really want to see what our House speaker ( Congress person Nancy Pelosi is all about visit this website to learn about her constituency. https://www.folsomstreetevents.org
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Have you ever read the Hatch Act, Whistleblower Protection Act, USERRA and the Civil Service reform Act? These are not under 18 USC but they are laws about illegal activities by all federal employees with additional further legal restrictions in the following agencies including the FBI, CIA, DOJ, Secret Service, IRS, ATF, SES, ALJ's, DIA and the Federal Elections Commission. The penalties for violation are minimal (the costs of defense are greater than the potential penalties), but they are the law. The Executive Branch of the federal government is permeated with non-policy, political requirements from GS-3 to GS-15. If federal employees were terminated for violations of these laws the federal bureaucracy would collapse in short order. Perhaps these Acts should be placed under the US Criminal Code with additional and serious penalties for violation? Could we save billions in our budget by inhibiting the overreach of agency employees through enforcement of these existing laws?
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What are the potential motives for the murder? I only know the information that you provide in your speculation about this case. I am looking at these events in a wider view. What could be a motive to murder a child? Child pageants involve competition between the children, parents and others associated with these people. What were the competitions, pageants, tryouts and applications for these events? Are there any common relationships with participants, talent scouts, promoters, agents and others involved at the periphery of these events? Who were the pageant winners, losers, dropouts, who when and what are the details? How could any of these people know the dollar amount stated in the alleged ransom note is similar to a bonus for Mr. Ramsey? Did Mr. Ramsey tell anyone about his possible bonus or salary increase? Why? ( a coworker, salesman, competitor). If this occurred, it was most likely within days, weeks or a few months before the murder. Why the rambling and incoherent hostage note? Was it left to conceal the motive for the murder and/or shift suspicion to another? There are more questions to ask. Why wasn't a murder weapon brought to the site if a homicide was planned? A makeshift garotte would require sufficient time, creativity and certain amount of intelligence to identify workable materials to be used as a weapon. What if the method failed? Was there a Plan "B"? Who would gain from this murder? Is it murder for spite ( against the parents or others). The Governor should request a fresh analysis of all data including potential witnesses, informants, tip lines and DNA familial patterns in the community similar to the "Golden State Killer" who was caught this way. More data increases the probability of a solution.
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Very interesting! I have had serious issues with the USPS and would like to share my experiences. I have numerous credit cards and subsvriptions and my daily junk mail has become burdensome. Then it happened. NO mail except for junk mail for three weeks! No monthly bills and no utility bills that I would normally expect! I immediately contacted the local Postmaster who aske dme " Are you sure? - I don't have THAT problem!!" This continued for another week and so I started my own investigation. I noticed our letter carrier drving his mail truck late after normal "business" hours ( Is the USPS a real business or just a way to send tons of junk mail?). I waved him down and asked him why he was driving so late. He smile and told me he was "Too busy!" I asked him why and he told me it was a bad time of the year for mail delivery because of all the political mail. He continued saying that he just returned from "the dump" trying to get rid of all this mail". What? Let me look inside your truck? "It is ILLEGAL for you to look in side my truck!" I said I can see from here you have bags and stacks of mail piled up so I can see them through the windows! " I know I told you before " I have too much mail!". I reported this to the US Postal Inspection Office and NOTHING happened. Maybe They also had "too much work"? I was able to organize many of my neighbors with the same problem and was advised by a letter carrier they will do NOTHING because of the Postmaster. I insisted what does he do all day? She replied "..,.all he does is eat and play games " with the letter carrier who throws away the mail. She then told me IN SECRECY that she could be fired for telling us how to actually recveive our mail! She gave us a "confidential" telephone number for USPS "Customer Sevice" that we are NOT supposed to give out to customers, if we have too many complaints wwe get in "big trouble". I called the number and three days later the Postmaster knocked on my front door. Do you have some mail for me today? He was pissed OFF! He called me a "wise guy" for causing him "trouble" by calling USPS Customer Service. He told me to never do it again or I would never get mail. He is a "portly" man from eating all those Pizzas ( Pizza joint was across the street from the Post Office). I asked other letter carriers about this intimidation from the Postmaster and terrible service. I was informed that they all knew what was going on and that the letter carrier whow as discarding FIRST CLASS MAIL "always did that", but no one could complain since the letter carrier was a close friend with the Postmaster AND they would receive bad evaluations and would get assigned the worst routes. Louis, this was only one terrible experience out of many but ask yourself this question? Please? I watched an old Seinfeld episode on Youtube when Kramer wanted OUT from the Postal Service onslaught of JUNK mail. Here the good part: "An army of men in wool pants carrying around piles of pottery catalogues no one wants". https://www.youtube.com/watch?v=sMqt1uAxibw Why do we need a US Postal Sevice? We have UPS, FEDEX, Emory, FAXs, emails, Instagram, Telegram , Western Union? There was a time when emails fiorst started when the Postal Service tried to declare it ILLEGAL UNLESS they could tax it or be involved in some way. Guess who invented SPAM? THE US POSTAL SERVICE. If you don't believe me, look in your mail box and weigh the JUNK MAIL rotting there (BBM) and waiting to be recycled or burned. We need a new Federal Trademark that shows that USPS = SPAM.
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@SirFrag32 Just for fun, I visited Zillow and Realtor.com for Denver. In less than ten minutes I found some excellent DEALS. "Every" transaction is not high! If you get emotional as a buyer you have LOST. I noticed in Louis Rossman's video house hunt #2, Obvious tricks that seller was trying. Look carefully at the little plant next to the front door of one of the properties! It had a RECENT sales tag on the plant that was not removed. Do you think the seller who hadn't cleaned up their property in YEARS, was playing games by sticking a new Green plant which ( had not been watered) for $20 , next to the entrance would add an additional emotional $20,000 to the asking price? You betcha! I am extremely sensitive to estate agent trickery ( faux green lawn paint instead of real turf), fresh super cheap paint from "wallymart", water fountains hiding street noise, wall decorations and paintings from a flea market, staging games, parking a late model European sports car in the driveway etc. In California, agents have been known to hire actors to be well dressed and walk in the area or even go to a local church during an Open House.. All this to add " ambience" and MORE piles of real estate B.S.. i once sold a house ( as seller) with 30 days DOM simply by removing the "chips and dip" from the dining room and replacing with Salsa and Tortillas. Add a little recorded "Viva Mexico!" music and I sold to three families in two hours at 20% above asking! House buying is ALL ABOUT EMOTION. It is ALL about the DEAL! All sides must believe each got the "best" deal for a happy fast close.
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@SirFrag32 I have used this method to buy 2 ranches with beautiful houses and 5 single family dwellings in California, Nevada and Oregon . I NEVER rent or lease out my properties! Instead of "fix, rent and flip", I "buy and hold". My recurring expenses include small mortgages or none, property taxes, utilities, preventive maintenance and periodic housekeeping + lawn maintenance. I have an extremely low taxable income ( I quit my job) and use Long Term Capital Gains as my source of assets. I must live in a house ( usually my latest purchase) one year and a day and meet all other IRS regulations. I am very "poor" with earned income under $38,000/year. Last year I sold a house in a Prime area for over 1.2 M, but bought it for 400 K 12 months before. it was not a "fixer". I put less than 50 k updates into it when I bought it. 100% of the 800 k was my LTCG. Do you think you can live on 800 k while working in "fast food"? I just work no overtime and have a ball "Do you want fries with that?" Try it and you will see just ONE deal is all you need to get rolling. I rarely use mortgage companies and my first was a 15 year fixed with good income. After that purchase I quit and can do it all on my own. FYI banks will give you EASY credit if you make no excuses, talk to the underwriters and tell them what you are doing. if I do use a mortgage I require-in writing that they never sell the servicing rights or the debt unless.they give me a 60 day notice so I can get first dibs on the deal. They LOVE this since I do not pose a risk. Do they care I have low "earned" income? Hell no, when they see the real equity I have on closing. The only problems I face are the initial property searches and costs of inspections and later repairs/remodels. THIS is real retirement. No pensions and NO DEBTS. My fast food job provides my health insurance. I am in better financial shape than the Franchise Owners. They want to work for me! It is all bout positive attitude and you must remain in control of all transactions. I forgot to tell you other than very small mortgage debts I have NO other debts. This beats being an employee and is TRUE freedom.
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@katsim6799 Companies that own a database have the goal of profit. It is a distraction to start chasing ghosts where each ghost has so many legal "rights". Think about this?
Did you know that political candidates ( California) by virtue of filing to run for an office have immediate access to All California Voter Registration Records? Did you know that at times, a candidate does not really care about the political position, but they only want complete access to the confidential Voter Registration records? This is so common that the Secretary of State has salted its officials records to detect some types of unapproved use. Are you ready for this? The Secretary of State is also loaded with employees that meet the requirements of the Peter Principle they think the only use of the data is for advertising! They are morons! Fake Voter Registration information is salted so they can catch advertising materials sent to fake identities. What is the punishment? They prevent you from having access, but I don't think it is legal. How about this factoid? Running for political office is costly and is big business. What do the political losers do to pay back all their debts? Some say they sell it to collection agencies, banks, Auto Dealers, Repo agencies, Bail Bond firms , including a trade of the data with other politicians and others to supplement the legal data available. It is a data sump hole. The same is true with most data that is collected including cell providers, medical insurance records, utilities, fees and taxes and more. I have studied this field carefully and have my own opinion based on the facts. The very collection of data is of in itself a violation of my privacy! Rob opins that pseudo anonymity is a choice. How many hundred identities should you have? One of my decisions is to NEVER use even one small part of my identification more than ONCE. Rob says do not do this more than twice? If this is true? it might be a flaw in his OPSEC practice? Even gender, age, race, languages are never repeated. Like a OTP = One Time Pad . I never use any data field in more than one instance.
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This is fun! For a moment, lets forget about the difficulties at meeting all of these ladies "minimum" requirements. I know several men who can meet all of the requirements with the exception of the Ferraris and the super cars. What can these ladies do to meet our needs? I can find women much prettier, younger, nicer, more intelligent and with NONE of these minimum requirements, and for FREE. These Non Tik Tok super ladies have sex Before any dates, and they cost NOTHING. They just want to be able to say they experienced some of these goals, and it is all FREE. They don't realize that passive income is difficult to attain and maintain, but once it is achieved the best way for maintenance of this NO to extremely low tax rate is by being a "Penny pincher" about EVERY dime. Any active income means that the tax boys will be right alongside trying to tax every dime. Vehicles are never owned but provided freely from "friends" . The same with the properties. I can use them as though I own them but are owned by my friends I personally work for Free and Never charge a dime. Many of my friends do the same. We Never ever keep non tax records and it is never a Quid Pro Quo or barter situation. There are many pro bono lawyers and accountants who tell us what we can do. The same is true with private jet transportation. Why own a 7 million dollar jet with tons of expenses. taxes, regulations, maintenance and records, when transportation is provided at no charge? Back to square one. What the heck can she do when she reaches the age of 30? She is too old for me. What will she do when I tell her five dates is too much and she is now boring? I don't know and DO NOT CARE. I like them between the ages of 18 and 24. How many women have I been with that are over age 32? Not many. I can see many of these ladies ( and their cats) in the future (5-10 years) living on the streets or in trailer parks competing with younger, smarter and sexier women for the same men. Cry a symphony of tears!
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@Silverlined_69 My general question is this: What is the purpose of the tens of millions of dollars that Epstein spent on four locations: New York Apartment, Lolita Island, Florida mansion, New Mexico Mansion? I don't care how horny Epstein was. Heterosexual men are limited to the amount of sex they can have in one day. This is a finite number. Lets say you add two fully body massages per day on top of this number? Look at the summary? There was an old story: A sultan had nine wives, eight had it pretty soft. If Epstein was sated by just one location, he would be just one tired SOB with many young ladies available every day of the year. We know that Epstein loves mathematics so it could be possible that he has ANOTHER goal other than just getting something new and young a few times each day? Lets add in the reason why he selected an old woman to be his procurer. Could it be her status as the daughter of one of the most important historical figures of another country? Would this fact be difficult to exploit? What would be her weakness ( Ghislaine)? Obviously social image must be maintained with more money power and control and Mr. Epstein had enough wealth to keep her focused on her personal and social goals. One way to increase power and control is to set up several locations that very wealthy or politically important men, and women, could visit to anonymously enjoy their sexual fantasies. The locations of Epstein's estates could easily provide the security, privacy and anonymity required of such services. Add the atmosphere of pretty young women working for cash as "massage" attendants would support this idea. Who does the laundry? housekeeping? meal preparation? coordination of daily activities? There MUST be a secret menu involved? Main course, side dishes, dessert and adult beverages. All of this is data, recordings, records exists and is located somewhere. How many staff have experienced the behaviors, the comings and goings of powerful bureaucrats and Oligarchs and their attorneys and other VIP's. I would look at Hollywood for the "entertainers" to add a social back drop to these sexual movie sets ( Lights, cameras and action).
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I love to do productive work. I don't mind working 80 hour weeks as long as I can be productive. But, I no longer work even though I am ready willing and able to work. Why? When I look around and observe the slothful government workers pretending to work I want to know who pays them. Taxes pays for these slackers. I learned that active employment from below minimum wage (piece work) to $200,000/year jobs is heavily taxed. Even Social Security for old folks is taxed. Where do these taxes go? Free handouts to the lazy or incompetent, government employees, and wars we never voted for. Solution? Opt out of active labor. Instead, I am busy causing me to have an "increase in assets" that is "passive income" which is either not taxed at all or taxed at a very small amount. I do pay for lawyers and accountants but that service is still cheaper than working my butt off just to watch nincompoops with fancy job titles give my hard earned tax money away to people who refuse to work. The issue is currency itself. When we buy something the person who receives it pays a tax. I don't want any money! The government always want get involved and take some for themselves. If I spend a little green piece of paper, it must bring back the value of more little green pieces of paper or I am not interested. I want the value and not the money. I try to do everything for free. I grow my own produce. When I have a large harvest I give it to neighbors as a GIFT. No bartering allowed. I keep no records and if someone gets greedy it is easy to detect. Today, I noticed the label on my frozen meat was from April 2020. My stomach doesn't know what the date is. I drive less than 2,000 miles per year and people who like my generosity, gift ,me with whatever I need. My water is from a spring well. My electricity is from the sun. Most everything I need to buy is already available free if you look carefully. No TV and NO radio but I get free WiFi from neighbors. My PC is an old piece of junk that didn't work until I fixed it. Coffee? I grind my own beans and make my own "Bigbucks" fancy coffees. Free milk comes from my neighbors. Don't worry, be Happy. My "Gym" is by working with my hands while supporting my existence. The seeds I get in my gardens comes from other peoples piles of garbage. Tomatoes=seeds. cucumbers=seeds, watermelon=seeds. kitchen scraps=seeds. When the next major economic depression occurs, what will al the HR "girls" and government "workers" do? I am not reliant on anything but myself. Petroleum products not required.
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First, I am not a mechanic. As a result of your recommendations I just bought a new 2022 Toyota Corolla SE at MSRP ( one honest salesman--who has not been trained on how to "sell". Thank You! ) This is my first Toyota. I am following all of your instructions about care of the car as well as engine break in instructions: Use caution with braking the first 200 miles and excessive idling and engine acceleration/RPM and prolonged speed for first 500 miles ( I stay below 2000 RPM). I bought the Toyota filter and 0W-16 oil for my first oil change at 1,000 miles which will be done by a local mechanic using my filter and oil. I have studied the maintenance manual and talked to the Dealer service department about the included Toyota care "maintenance". Initially, at 5,000 miles it is supposed to include tire rotation, fluid top off and not much more. I talked to the service manager and was told they will not change oil unless I direct them to and pay for it. Not a problem. I found a few words in the maintenance manual that says " 5,000 mile oil change ONLY for excessive idling such as police, delivery and other. I will use the "other idling". I know there are many different required Toyota oil filters and oil required for these vehicles based up on year, model, engine and Toyota MFG requirements for warranties. This will be a large inventory! My question is this: How do I absolutely know that the Service department will actually use the filter and oil I give them to do the job? With all the shenanigans I hear about from former Toyota Service technicians ( not you of course) , I wonder what is really going on? I have already been lied to a few times by the Toyota Parts department and the service department! Example: "Toyota does not have part numbers for its vehicle components". Say what? My mother once told me .."Lie to me once shame on you lie to me twice shame on me". Why do Toyota parts online and other dealers have part numbers and you don't?? I asked the service department which oil to use ( I gave them my VIN number) and they did not know!?? I do not want to take advantage of anyone but do not want to be cheated. Will I need to buy auto ramps and a lift to change my own oil? Lots of new Toyota owners have the same predicament: We want to TRUST the service technicians, but how do we know? Illinois is a long way to drive to get an oil change done correctly.
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