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#im currently designing the city i want it to be set in and ive named it mescha and its really pretty in my head but im having trouble puttin
teeth-and-tea · 3 years
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ANIME & MANGA I HAVE BINGED IN THE LAST MONTH: May 2021
I've Been Hunting Slimes for the Past 300 Years and Now Ive Maxed Out My Level: incredibly long name aside, cute af slice of life that suffers Same Face Syndrome. I'm still happy to watch it because of how feel good and fluffy it is though, Im probably gonna forget about it in two or three years tho. 8/10.
Don't Toy With Me, Miss Nagatoro: I found out this was a webcomic first and suddenly all the HORNINESS made so much more sense. A Femdom, Degradation, Humiliation, Dacryphilia Bullies to Lovers story disguised as a high school rom-com which, I'm not going to lie, misses SKEEVY CITY by mere inches on a regular basis. However, I'm a Dom/Switch and this entire relationship sets off my dom brain center like New York City just shy of midnight. So if you're into that sort of scene, this anime is for you. If not, it's still fascinating but you're probably gonna be a little put off by how mean the Girl!Bully is to the guy MC. Unless you find out something about yourself, in which case, congrats! Stay safe, sane, consensual, and learn about the traffic light system on top of safe words, I promise you'll have a better life in general after that. Still Ongoing, currently 10/10.
Fruits Basket: IM GONNA CRY I LOVE THIS ANIME SO MUCH???? The original anime came out when I was in... I think middle school and my parents were really strict on what I watched so I never got to experience the first wave and I never bothered to watch the show ever after I moved out of the house years later. However, now that I'm much older I honestly can say this is one of my favorite anime to date, and all the characters are charming, lovable, with their own problems that I can connect to or sympathize with, and I love the MC which is always a treat tbh. Except Akito. Akito can suck a sandpaper dick. I'm only on S2 tho so no spoilers! Anime 11/10.
Monster Girl Doctor: went in thinking it was gonna be a monster girl who's a doctor with a homoerotic assistant (her name is SAPPHY okay sue me for thinking it) and ended up watching the entire dubbed harem series. Honestly, I've seen worse and this one has consistent follow-through on interesting characters and backstory enough for me to shove aside the blatant under-monstrousness of the female monsters and the harem-ness of everything else. Dubbing is honestly really good, which is a treat, and the monster designs are not the worst and the MC is tolerable. Honestly, I don't mind having watched it! The mix of cgi and the traditional animation together work pretty strangely though, and it often doesn't flow super well. 7.5/10
So I'm a Spider, So What: Dubbed version which honestly isn't that bad. Took me a bit to get into it, but after realizing that it's got a mismatched timeline a la The Witcher, it made so much more sense. Heavily done in cgi, and you can definitely tell between the 2D and 3D animations, but not the worst in the world. I went in not expecting much but it ended up being an Issekai I can stand and even enjoy. On god has a decent story... with the spider. I'd be a liar if I didnt say I skipped some of the human parts just to get back to the best part of the show. 8/10.
Somali and the Forest Spirit: I'm so fucking nostalgic for this thing it makes me want to go and hug my dad. About a human girl under threat of being eaten with a monster-dominated world. Very obvious "humans fear what they don't understand" message but instead of the humans learning tolerance it's what happens when they get annihilated first so like, kudos for the mangaka for having the guts to do that. I cried like a baby regularly. It's really good, I watched the dub and ID WATCH IT AGAIN!!! 9/10.
To Your Eternity: Oh my god. O h my g o d. Fell in love on the first episode, ngl. About if an immortal being learned how to be a person from scratch. I love it. HOWEVER. Keep a box of tissues on you at all times because you're gonna need them. I'm only on EP7 because that's all that's out right now but just know. I love it. Not for everyone but certainly for my "what do we define as human and the human condition" ass. 12/10.
Those Snow White Notes: A sports anime without any sports. About shamisen playing which is cool because I never realized how cool this instrument was??? Its neat af. OP1&2 are by Burnout Syndrom so know theyre fire. Gonna be real, its pretty alright, but not extraordinary. You can tell they were using the characters as archetypes rather than actually characters which kinda kills a lot of the emotional value you could've had, but I'm still gonna watch it. It doesn't make me cringe as hard as other sports anime tho so I consider it toptier in that regards but if you're a big sports anime fan you might be bummed out by it. Every single musical performance is INCREDIBLE tho. A solid 8/10.
Toilet Bound Hanako-kun: THE ART OMFG IT'S SO GORGEOUS. Listen, if you took coptic markers and gave them an animation budget with some manga panel direction thrown in there, that's this anime. It's beautiful. Gorgeous. I'm in love with the aesthetic every second. Story? Really good. Characters? I love the MC and his evil little twin brother asshat. Demons? Not super imaginative but I'm carrying on happy as can be anyways. Dubbing? A bit shaky at times but I found the voices charming if a little off for some of them. I'm already waiting for the second season with popcorn at the ready. 10/10.
Prison School: I watched this directly after Hanako-kun and it was like I got slapped in the face by sweaty unwashed titties and some fedora wearing schmuck's piss kink. No character is likable or redeemable. I finished it, but at what cost? 2/10 and only because a character shit his pants and I laughed.
Sleepy Princess in the Demon Castle: watched this right after Prison School and it was NECESSARY tbh. Its so CUTE and honestly, im not even kidding you, the fucking funniest anime I've seen in months. I watched the dub and the VAs are having the time of their lives working on this anime not just giving it their all but literally just going ham. Its great. If I read this im sure id be bored outta my mind but the VAs giving it a joyous performance make it an insta fave for me tbh. 9/10.
Sk8 the Infinity: i watched the dub with my bro and I can confirm that its a spectacular show because we both loved it and we have vastly different tastes. Incredibly SUSPENSFUL AND STRESSFUL for an anime about skateboarding but we finished it in a single sitting tbh. The last episode is not dubbed for some reason but we still loved it. Like if Free! was less obnoxious but the only fan-service here is Joe ♡ a beefcake who owns my lesbian heart. I think there's exactly one named female character tho and I legit couldn't tell you what it was if there was a gun to my head. So, over all, 9.5/10.
That Time I Got Reincarnated as a Slime: I'm going to be entirely honest, I went in thinking it was going to be a boring isekai of no value. I was right about the Isekai part. It was honestly pretty interesting and focused on nation building like you're playing civilization rather than the usual "Get Stronger" narrative or "Get Some Pussy" narrative most isekais take which is delightfully refreshing. Granted there are flavors of that in this which means it doesn't alienate the big isekai watchers out there, but it's not the whole dish and it doesn't make me want to cringe the same way others do. You've got a slime MC just vibing and building a nation of monsters nbd. Does lose points for making the female monsters more humanoid than their male counterparts but makes them back by only doing perfunctory fan-service and nothing that makes me want to cry... except the butt sumo episode but in fairness it was all a terrible dream. Literally, the MC refuses to dream anymore after that. solid animation, decent voice acting, decent story, made me realize how HUGE this is in the Light Novel community???? There's like 18 fucking novels and that's WILD. 8.5/10.
MANGA:
Spirit Photographer Saburo Kono: a one shot special by the mangaka of The Promised Neverland! Honestly a really delicate touch of both super creepy and really touching, and I'm not gonna lie I'm bummed that this isn't a bigger project but the single chapter makes it a good taste for their style. I've been wondering if I wanna read/watch The Promised Neverland and now I think I will. 10/10
Deranged Detective Ron Kamonohashi: from the mangaka of Hitman Reborn comes this Sherlock and Watson derivative! Not even 20 chapters out yet with a sort of spotty schedule, I honestly love it even thought it's exactly as you expect. HOWEVER. Kamonohashi the "Sherlock" character uses mental pressure to kill all confirmed murderers and it's up to Toto the "Watson" character to save all those people before Kamonohashi kills them! It's just recently introduced a "Moriarty" family of crime lords (not a big spoiler don't worry it was obvious) so the tension surrounding Ron's past is amping up rn. Personally, I think the art is GORGEOUS, the characters engaging, and the story quick enough to keep my interest. Most mysteries are solved within a chapter or two so you're not stuck 20 chapters into one locked room mystery which is just peachy tbh. RN, 10/10. If this gets an anime, I anticipate a legion of fangirls who ship the two main characters along with their many friends. I've been alive too long to believe otherwise.
Don't Toy with Me, Miss Nagatoro: Yeah I read the manga after I watched the show. A slower build than the anime, but it works for the format, if theyd done the same with the show then I don't think it wouldve done as well. Honestly? Cuter tbh but just as horny. You dont start really LEARNING about your character until like, chap 65 tho and no real "drama" happens until like 75. A good chunk of the chapters are like 8pgs so its a breeze to get through. I love these slow burn idiots of the century. 9.5/10 because you can DEFINITELY tell the mangaka does hentai too.
Yugen's All-Ghouls Homeroom: one-shot by the mangaka for Food Wars, it's no wonder there's this constant perviness from the MC, a guy who can see and exorcise spirits. Takes place at an all girl's finishing school with KICK ASS monsters tbh, kinda bummed its not longer. The MC? Blatant monsterfucker who is also a CONFRIMED monsterfucker???? Idk i vibe with that single emotion. Everything else is hit or miss. 7/10 for monsters and cool concept, lost points for the MC very pointedly being okay with admitting he'd wait for the teenagers to be adults tho. Creepy af. Could live without that.
Hell's Paradise: I finished the entire 127chps in 3 days and I was really enthusiastic about it 90% of the time thinking about how deep it was and then I actually thought about it and I ended up being very neutral about the whole thing tbh. The art is fantastic tho, but DEFINITELY deserving of the M rating. Tits. Tits everywhere. But not tits to be ecchi over, no, monster hermit tits on beautiful women-ish figures. Now generally I give that a pass but a huge theme in the story is that men and women are "no better than one or the other" but like, lady tits are what you see 99% of the time. Men tits are few and far between. I call bullshit on most of the "deep" themes is what I'm saying, so it's like the mangaka was trying for those deep thoughts but missed the margin a little too far for my preference. That being said, the MC is a married man who loves his wife which automatically makes him my favorite character so like... idk so many good things, so many misses, but overall really spectacular themes and imagery. Unique but classic all at once. It's getting an anime and I have NO IDEA how much censorship they're gonna be doing but they're going to be doing SO MUCH. Oh yeah, and one guy is a plant/human hybrid who fucks a 1000 year old plant-hermit which makes him a canon monster fucker. And one canon non-binary character who I, a nonbinary, actually like. So like... gosh I've got mixed feelings. 8.5/10.
Choujin X: From Sui Ishida, mangaka to the mega hit Tokyo Ghoul comes this brand new manga!... Of one chapter, lol. Not really binge-y because it's just the one chapter out right now but I'm already keeping my eye on it. The grasp on anatomy in the art is PHENOMENAL and you can see Ishida flexing his art skill which is great. Can't give a true rating but I'm giving it a tentative 9/10 because I'm excited to see more.
Shag&Scoob: technically not a manga, its an ongoing webcomic I binged an subscribed to in one day and I just think it deserves more attention. Starts off funny with "what if Scooby Doo had a gun" and has been led to "what if all cartoons are aliens that survive and receive their powers by the humans that love them in an epic war with Martians." On god, its good. I finished the current series in a couple hours so it's a breezy read, highly recommend it. 9/10.
To Your Eternity: Yeah I watched the anime and then finished all current 143 chapters in like 3 days. GOD IM WEAK. I don't buy physical manga unless I know I want to remember the story forever and I'm already budgeting for the current books out. Yeah, this is a good series. That being said, definitely not for the faint of heart or those who suffer under common triggers like suicide, molestation, death, etc. It's all framed as bad and necessary to the story don't get me wrong, but it's there and has lasting affects on the characters. Incredible story telling by the creator of A Silent Voice. Keep tissues nearby at all times. 12/10.
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modernlcve · 5 years
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little info dump of lizzie’s la muses
ADELAIDE LINDHOLM  :   they still need a last name but . whatever. i was gonna make her like really boring n a lil mean but. i changed me mind. she’s still uninterested in fame but im pulling her out of management she did it for like 3 years and then realized it brought her nothing but stress and pain so she quit and is doing temp work for the time being she’s trying to figure some stuff of her own out but deflects it onto still trying to boss around her siblings all the time. this sounded more interesting in my head. know it all, bossy, putting on a front of being in control of her miserable life
plots for her include  :  former clients she completely abandoned when she snapped, im working on more but sometimes... being a big sister is a full time job am i right girls
ALISON COLLINS  :  a woman at a crossroads . wants to follow her big artistic ambition of [redacted] but it just hasnt worked out for her yet so she’s teaching elementary art classes at a Hippie School to pay the bills til something comes her way , but its hard to be the edgy artist type when u got the school breathing down ur back and checking 2 make sure ur on the straight and narrow.
plots for her include  :  another big sister im ltrying to think of plots for but . sometimes things arent easy you know. she could have art circle friends who make fun of her for Selling Out and making pipe cleaner crafts for a living now
BRUNO VARGAS  :   i’m copy pasting the fc meme. he bought a “capitalism is unsustainable” sticker off of amazon. prime example of that “little confused but he’s got the spirit” meme. he threw himself into the social activism scene after he dropped out of college and ran away to the city to really make something of himself. he really wants to do good things for good reasons his heart is in the right place he’s just a dumbass. grew up in a traditional catholic military family but hasn’t had contact w them for a minute. lives in the fold because he thinks its cool 2 force people 2 hang out with him. works for an indie underground news publication.
plots for him include  :  yeah  maybe i am still stuck on the boyfriend/girlfriend plot. im not married to it being bf n gf if it just works 2 be 2 gfs or 2 bfs anyways. plot would be that one partner bruno has had longer and has openly been with for a minute now. second partner would be more recent and bc of that less of the whole official We’re Together :) kind of thing. both partners would know he’s seeing other people, but he hasnt gone out of his way to specifically out either of them, p2 just knows about p1 bc they were openly w bruno whereas they arent yet. if that makes literally any sense
COLE EDWARDS  :  bit of a weirdo. she does something behind the scenes i was thinking like set design because thats something that weirdly really interests me. anyways shes a doormat but in a different way than molly could be read that way she really just likes to be involved in things and help people. ~quirky~ but one day , she will snap. u can tell when u see her at craft night and she gets so much hot glue on her hand but doesnt even react. its like she cant feel it... feel better cole...
plots for her   :  cole could work for laguna beach or as the mystery novak stepsib im not married to her being on the show or not yet. i figured she could be fun there because she would be a light addition to all these Reality Tv Bastards u know. her bg and plots will fit whichever subplot i use her for so . tba
HOLLIS MESSINA   :   kill him NOW .   hollis is a bad man. not to godmod michele but in my head their parents are also like weird arsty types not necessarily famous but always very into the arts all thru their childhood. they grew up eating a lot of kale and maybe thats why hollis is the way he is. he’s vapid and very insecure because he wants so bad to be cool and funny and talented and suffers from major impostor syndrome which contributes to his online shopping addiction. take a nap hollis...
plots for him  :  we know im always looking for a plot where my musician writes a song about how crusty their ex is and their ex doesn’t appreciate it, or in general just maybe someone who got past the Phony Fakeass Cool Hollis act but then he decided to be very mean to them because soemtimes it hurts to let people in
JAMES ZAMORA   :  instagram model and youtuber. new media thot. she makes beauty, fashion, lifestyle, and travel related content. her entire brand is being A Sexy Little Trollop for people to envy. came from humble beginnings believe it or not, but she will never tell anyone that. as far as they need to be concerned shes been toddling around in heels since day one. lives in the fold because it makes for quirky content but once a month she threatens to get the hell out of here.. no one knows why she stays..
plots for her  :  frankly between the Novak Boyz and the mean girl squad im happy w her plots for now but shes always around to *cheryl blossom voice* create a little chaos if needed...
MOLLY SEKULIC   :   for the first week he lived at the fold noah thought she was a ghost :0  jadede film school student who thought she would get to do real documentary work at a place like b*zzfeed news but got put on projects shes not as passionate about 2 put it kindly. constantly planning her escape from the fold and worth it and all of that but 2 depressed to actually put any of it into play so she just sticks around and hopes one day she’s tapped for something with Substance
plots for her  :  she just doesnt get out much. shes got her Horrible sons (alec and [redacted]) and the girlies she hangs out with at the fold so shes not a completely friendless loser. with muses also working in film i think it could be fun to have a plot where they went to school together/worked on a project earlyo n together but now shes doing this and is embarrassed to talk to them abt it not that its even that real of a plot..
NOAH FITZGERALD  :  i wrote an intro for him in fold and im just gonna link it here. tldr hes very shy,, be gentle,, he wants to be liked and validated which is a common theme for me becuase yeah maybe in my core i dont believe anyone pursuing art does it for any reason but validation i sure know i do 
plots for him  :   he’s got a little going on but other fun stuff could be musicians he jams with that could catch onto his and bradys Scam, maybe some other dorks to commiserate with ive obvisosuly not got as many ideas as i let on huh,
WYATT SONG   :   gay writer bitch. came from money so he’s just casually pursuing writing full time minus the time he spends on the show (bit less than everyone else just because watching him sit in his home office and do nothing for hours just isnt interesting) but i kinda like the idea of him being a Villain within the show like idk what dynamics we were wanting to set up but i feel ike since he’s more reclusive than the others and when he is around hes Annoying he could be someone the show kinda frames as Not Likable which mostly doesnt bother him but . stings a little
plots   :  someone whos really nice 2 him off cam but plays to that villain thing on cam, which could work for a few muses on different levels like a friend whos just flighty to someone he’s ~ secretly dating ~ bc it would mess up the current plot of the show if they were fucking just yet
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comradecrossing · 6 years
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hi do you have any tips/recs for someone who’s just starting new leaf? i had it a long time ago but i stopped playing, and now i want to start playing again but i don’t remember it well 🙈
Hi! This might be long but! When I restarted this last time I was worried it would get boring real fast like with my first save, so I planned out as much as I possibly could ahead of time.
Think of a theme that makes you happy! Do you love witchy/fairy things? A specific color? maybe a season? particular villager animal? Aliens??? If you can figure out a theme you can build around (and it can be ANYTHING) then you will have much more confidence when you first step foot in your new town!
Now I’m gonna use my town as reference, so, I really like the Witchy/Fairy aesthetic and I knew immediately thats what i was going to do. I’m bad at town names, but i like Pokemon and remembered they have a fairy town, so I looked it up and got my name and figured why stop there? That’s how Laverre City became one of my sole inspirations for my town. I was inspired to restart because of hackers so even though I cant hack, I think about things I might like to do, or really want to do when/if i ever can and i have some big ideas lol im so sad. So ultimately i settled on a fall themed town (not perpetual fall but looks best in fall and the dreamcode will be of the town in fall) with lots of pink cosmos and regular saplings to give off a resemblance to Laverre City :)I then looked at a lot of forest and dreamy type towns to get some inspiration like mushroom rings, layout ideas, and items or PWPs to use. I also checked sites like animal crossing wikia to make a list of PWPs I might like in my town and chose 30 possible options (you can only build 30) and check the space requirements.
Once I start for real with a vague idea of where I want to put things I look at all the maps available and if they don’t have specific traits i want (secret beach, desirable town tree location, diving cliff, ponds in places that wont get in the way of projects and landscaping ideas, good spot for the cafe, etc) I restart until a map comes up that I like. Once I arrive in town its time to check my native fruit and rock locations and make sure its up to my standards, and if a resident is important for you to have/not have make sure to check the map too!
Once you get a town you’re happy with and you’ve found the perfect place to call home its time to get serious >: |It’s time for your first shovel and axe.Now, I have always been anti-axe in previous games but this last save changed me. I got a hold of that first axe and chopped down every tree that wasn’t a southern cedar tree! (southern cedars are only possible at the start! If you plant them they’ll only grow in the North, thats the top half of your town.) Now your town will feel barren at first and this is the ugliest stage but also one of the funnest -imo- so lets open up your patterns and get started. Now that you have a blank canvas use your green & blue tiles to signify trees/bamboo and bushes, you can even redesign it and write “T” or “B” respectably and start laying them out. You can also use the Yellow to lay down where you want PWPs (make sure to surround two spaces further than the project requires. a 3x3 fountain should look more like a 5x5 area to ensure no one moves directly next to where you want to build). You should have lots of fruit piled up (remember to stack them) so you can layout bush tiles and plant fruit if you’d rather have a better idea of how its gonna look. I planted all my peaches and would later go back and replace certain ones with new fruit i acquired. Its good to have a “this is all a process” mindset because it will take a while to get your town done even if you time travel, but thats good! because the game is all about making your dream town!
So now you have a good amount of the town planned out and probably have some ideas of what to do next. The next few days will be spent checking out how things are growing and making sure you planted things in the right spots. if there’s anything you’re not liking - change it! Your town Your rules!
Now while you are waiting for things to grow and get pretty its time to gather aaaaaallllll the flowers you can find and organize them in a large free space so they are all diagonally touching (XXXX), this way you can get hybrids early on :)Make sure they are the same breed and check hybrid guides so you know which colors work best to make the hybrids you most want and make sure to water them everyday as they will wilt if you don’t have the beautiful ordinance. Hybrids are good to have for trades when you dont have much money.
After all this you should be off to a pretty good start. Try to keep in mind villagers you would like to have and try to make friends online or IRL that you can adopt from (I always post when i have some one leaving and who I am hoping to replace them with and I usually get an offer fairly quickly, even for villagers I was desperate to get out. No matter who they are someone likes them :)) But if your town is set up in a way that you’ll be devastated if your dreamie moves in that one perfectly made up spot, it might be a good idea to plot set &/ reset.Plot resetting is when you make a *NEW* character save to check and see if anyone moved in overnight, and more importantly, if they moved in an undesirable place. If this happens restart and select the new save option until the villager plots in a spot you like. Once they do that build your tent somewhere and save quit. This will make the new residents spot permanent and then you can select the new save once more and delete their home. This could take quite a while if you have lots of “open” space. “Open Space” is how I refer to non-tiled/pwp or house occupied areas and the way I go about this is covering my town in about 75% tiles and spacing out pwps to where there are as few places houses can plot in as possible. Houses wont build over tiles and will plot at least 2 spaces away from other buildings, rocks and projects and one away from clifs and ponds/rivers. They dont care however if there are trees, bamboo, items, bushes, or flowers so be sure to lay out tiles in any place at risk to being plotted on. I refer to this as “Plot Setting” as you can make 3x3 empty plots you surround with tiles which will help villagers know where to plot. If you do a good job and plot everything out just right, you’ll never have to worry about someone messing up your hard work.
Now here’s the kinda sucky part of ACNL and that is The Limitations.Annoying programmed rules that seem to only get in the way such as the 2-space rule between pwps/buildings. This can mess up your aesthetic a lot and sometimes you will have to completely replan things due to a small fact you may have overlooked or not noticed and suddenly your garden isnt looking right so im gonna name off the biggest hassles and how I have gotten around some of them.
Bush + tree + bush: You can line up 12 trees/bamboo and bushes in a line. This works both straight and diagonally. only 12. Now you can leave gaps in some places that will reset the count or do intricate designs like one cedar in the middle of 4 bushes, a line of bushes with trees spaced out directly behind, a pattern of bushes and chopped bamboo, etc get creative. Visiting others towns or looking at pics people post can help you get lots of ideas. Bushes can touch each other but trees & bamboo still have the one space between rule.
PWP 2-space rule: now I’ve already mentioned this a few times but this rule is always the one that I seem to forget when planning. YOU NEED TWO SPACES. I cant tell you how many times i have planned project locations weeks in advance only to not be able to lay them out as i wanted because I got the space requirement wrong or only left one space between other objects :/
Beach Rules: You may have seen cool towns with pwps, cedar trees and hibiscus bushes scattered around their beach and Ive got some bad news; Those are hacked towns. The only thing that can be planted on the beach naturally is coconut and banana trees, flowers, and clovers. Nothing grows on the beach, not even weeds. No pwps can be built there either, even though it was initially programmed to be possible. I currently use the space for hybrid breeding since i have no space to elsewhere ¯\_(ツ)_/¯
Tear Down and Build Up: I will say though that even though only maybe 15% of my original plans came to life, my town looks way better than i had ever imagined it would. Don’t be afraid to tear things down and try out different locations or setups you might figure something out that looks amazing compared to your original plans.
Finally, while you can participate in the Happy Home Ratings, you dont have too. Decorate how ever the flip you want. Find new things to do everyday as the game can get old fast and you might get temped to Timetravel (which isnt a bad thing if thats what you want to do, but be careful you dont lose your villagers/flowers! Even though I have the Beautiful ordinance, I water all my flowers incase they pop out a hybrid. I try to earn all the badges, I visit dreamtowns for inspiration, redesign areas of my town, farm PWPs, make patterns, try hunting down items to decorate my house with, etc, this is another area where having a theme can help as you will find inspiration easier, and make you feel more immersed like you’re playing an RPG.
I’ve gone on a lot here and I have more to add but I’ve spent over an hour typing this, but let me know if you have any other questions or need clarification on anything :) I’m not gonna add pics rn but if you need photo reference send another message and I will address it separately and add it here later.
Now heres a bunch of links to help you get invested:MoriBD - A catalog of every in-game item and an option to make a wishlistHybrid Guide - By @nooklingPWP GuideVillager Adoption Further Info on Plot ResettingPWP Farming Towns/interiors I found inspirationalSome QRsHacking info (if youre interested)How to upload your screenshots & Make your screenshot pretty!
Pick the right face when you startOnce you get the QR reader (talk to sable 7 days) you can use these
Please let me know if there’s anything else I can do to help :)Just putting it out there too, I am always happy to help people get whatever they want/need for no cost whether it be fruits, bamboo, mushrooms, items, hybrids, etc, I will always do what I can to help you out, whether you’re just starting or on your 5th year.
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raychulemma · 4 years
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50 Completely Random Questions People Rarely Ask Tag:
1. What’s your favorite candle scent? Red Apple Wreath - Yankee Candle. It's perfectly Autumnal and always goes on half price sale after Christmas. I have far too many versions of it
2. What female celebrity do you wish you were related to? Probably Maya Rudolph because she's a shameless weirdo like me
3. What male celebrity do you wish was your brother? Probably Peter Kay. I feel like he would be easy to open up to. And he would make awkward family events so much more bearable
4. What’s your favorite thing about marriage? (And if you’re not married, what’s your favorite thing about being single?) Security. Safety. I didn't expect it to feel any different because we had been living together for a while but something about the actual marriage made me feel protected and comfortable. Also because its a same-sex marriage it's a lot nicer to say my wife than my fiancée, because i would wonder if they assume my fiancée is male
5. What’s one thing you own that you should probably get rid of, but just can’t? Books that I'm not going to re-read but have memories linked to buying/receiving/reading them.
6. Can you do a split? not a chance
7. How old were you when you learned how to ride a bike? Seven. i learnt at the end of my road because it's a dead end. and i got a green bike for my birthday with a seat for my teddy
8. How many oceans have you swam in? just the Atlantic ocean 🌊
9. How many countries have you been to? 6. France, Spain, Germany, USA (Florida), Wales, Scotland.
10. Is anyone in your family in the army? No, my Grandad was, and some of my Great Uncles but no one during my lifetime
11. What was your favorite TV show when you were a child? Superted, Adventures of Winnie the Pooh, The Story of Tracy Beaker, Dick n Dom in da Bungalow, Jungle Run
12. What did you dress up as on Halloween when you were eight? A classy binbag witch
13. Have you read any of the Harry Potter, Hunger Games or Twilight series? I got into the Harry Potter books in 1998 and am still in love with the series. I went to the midnight release for the last book. I watched all of the films in the opening week and vividly remember that the cinema i saw the first film at in 2001 had a Harry Potter themed sweet shop. I have jewellery, clothing, books, dvds, wands, other collectibles. I read the books with my mum when i was younger and watched all of the films in the cinema with her. she had her own HP merch. My wife also loves Harry Potter. We have been to see Cursed Child twice and have been to the Studio Tour 3 (or 4?) times. We had a Harry Potter themed wedding which was absolutely perfect. Hunger Games was something i avoided reading until the first film was coming out, and then absolutely loved the first 2 books (3rd one got too political for me) and the films are still some of my favourites for costume and set design. I read the twilight books after my best friend recommended them to me. We all actually read them as part of our sisterhood club. I went to blackpool to watch the first film in the cinema with my best friend. I watched the last one at midnight with my wife and one of the girls from the sisterhood who is one of the biggest twilight fans i know still. she has behind the scenes books and dvds and has re read the books that much that the spines are just gone. my mum was also a big twilight fan and would watch them any time they were on tv. i watched a few at the cinema with her, always her choice. she hadnt seen hunger games at the time of them being released but we did watch them all with her a few years ago
14. Would you rather have an American accent or a British accent? i film YouTube videos and always think my accent would be more interesting if it was American
15. Have you ever taken karate lessons? no, my 2 brothers and sister did when i was 5 or 6. i didnt like being touched so never did it
16. Do you know who Kermit the frog is? yup
17. What’s the first amusement park you’ve been to? im going to guess Gullivers world Warrington because its the closest one to where i live
18. What language, besides your native language, would you like to be fluent in? French because I love disneyland paris. or japanese because i would love to visit tokyo but its way out of my comfort zone
19. Do you spell the color as grey or gray? grey. e for england, a for america
20. Do you know triplets? yes, 2 girls and a boy but i only met the girls
21. Do you prefer Titanic or The Notebook? Titanic. my mum was a massive fan. She watched it 3 times in the cinema when it first came out. we watched it with her when it was released in imax on an anniversary. she had behind the scenes books, a few versions of the vhs and dvds, playing cards. her love for it made me love it
22. Have you ever had Indian food? no im a very fussy eater and have never tried indian or Chinese
23. What’s the name of your favorite restaurant? Of all time? Tough choice but im going with pizza hut. Cheesy bites base with double mushroom. Never craved something more
24. Have you ever been to Olive Garden? they dont have it in England so no but i would probably like it
25. What would your parents have named you if you were the opposite gender? i have no idea, maybe jason after my dad?
26. If you have a nickname, what is it? rach, chicken, chickadee
27. Who’s your favorite person in the world? i want to say scruff but shes technically not a person. kirsty is my best friend and i would pick her every time
28. Would you rather live in a rural area or in the suburbs? where i live is in between. drive one way and its city, the other way is farms. so living in one ot those farmhouses not far from city life would be the dream. i would have chickens, sheep and cats.
29. Can you whistle? yep but my cats hate the noise
30. Do you sleep with a nightlight? i can see the hallway light from where our bed is so i dont generally need a nightlight but we do have cute ones. i have 3 HP ones on my bedside table
31. Do you eat breakfast every morning? yea as long as i have time
32. How many times have you been to the hospital? ive only ever been to a&e. once for palpitations, a few times for mental health and once for an x ray on my hand. ive been to walk in centres for urine/kidney infections and for fractured fingers. oh i did go to hospital to see a neurologist to be diagnosed with essential tremor
33. Have you ever seen Finding Nemo? yes i love it. my brother and sister both bought me the dvd for christmas the year it came out so i had 2 copies for a while. i also had the game for pc and ps2. and i had a game on my phone and ipad where you could build up the seabed and gain fish. the film is just so nice and calming to watch. the scenery, the sound effects, the movements are all just gently flowing. and somehow you get attached to these characters and root for them whether youre a fan of tropical fish or not.
34. Where do you buy your jeans? primark, next, sainsburys, asda
35. What’s the last compliment you got? kirsty said my eyelashes look like im wearing mascara when im not
36. Do you usually remember your dreams in the morning? yea and they're weird as fuck. the latest one was about the bath being clogged with poo
37. Favorite beverage that isn’t water? Tea ☕
38. How many pairs of shoes do you currently own? a disgusting amount. maybe 20. maybe more
39. How old were you when you found out that Santa wasn’t real? about 8 which I think wasnt too young or too old. my brother told me which I was glad about because i was prone to being bullied at school and would have hated to be told by nasty kids
40. What is one food that you used to hate but now you love? cheesy garlic bread WTF
41. What is a weird lie you’ve told? i told kirsty once that i had pood the bed and asked her to help me clean it.
42. Heels or flats? flats always. specifically trainers. i think dresses look so much cuter with trainers. same with suits
43. Do you have any weird phobias? no just common ones. moths, spiders, flying insects, beetles, heights, being completely isolated, finding a dead person
44. What is a phrase or word you always say? i cant actually think of a current phrase i say but i do get stuck on phrases
45. What is a song that you bast or belt out when you are alone? part of your world, let it go, bridge over troubled water, over the rainbow. any that i try to actually hit the notes on
46. What is one of your biggest pet peeves? nails. nails tapping, and the sound of cutting or biting nails. or people that stop in the middle of an aisle or walkway when you're trying to get past
47. Do you sleep with your closet door open or closed? they dont even have doors on yet so open
48. Would you rather be attacked by a big bear or a swarm of bees? bear. the noise of bees terrifies me. i had a flying ant in my hair on flying ant day but i didnt know. i heard it buzz and cried
49. Do you have any weird things you do? i cant have 2 cream biscuits together (custard cream and jam n cream). i sometimes say hi to my teddies so they know i havent forgot about them. i buy hatchimals when theyre on sale even though i havent previously collected them cos im an impulsive pos. (honestly collecting animal jam figures and my little ponies were the best though)
50. What movie could you watch over and over again and still love? any of the harry potter films, titanic, sisterhood of the travelling pants, Princess diaries 1 and 2, enchanted, princess and the frog, raise your voice, catch me if you can, chalet girl, the shining, slumdog millionaire
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queerloquial · 7 years
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1. First game you played obsessively?2. A game that has influenced you creatively? Writing, drawing, etc.11. Have you ever made new friends from playing video games?36. Have you ever shed actual blood, sweat or tears over a game?48. How long does it take your to customize your player character?50. If you were a game designer, what masterpiece would you create?69. In your opinion, best game ever made?
1. First game you played obsessively?
babys first video game and major special interest, skyrim. which i currently have roughly 1500-plus hours on between regular and special edition
2. A game that has influenced you creatively? Writing, drawing, etc.
the vast majority of my fic has been for dragon age. its just such a neat world and i love getting to play around in it, even though i dislike a lot of what biowares done with their own setting in later pieces and prefer to sandbox on my own
11. Have you ever made new friends from playing video games?
well first of all, dragon age brought me to the love of my life, so jot that down :>
second, aside from my darling datemate, video game fandom did land me some awesome mutuals, a number of whom are still around years later even though we share almost no interests and barely ever interact. technically quinns the only one who could be defined as a friend, bc we talk fairly regularly and stuff, but aside from the occasional reply to personal posts most of my mutuals are silent but still dear to my heart
36. Have you ever shed actual blood, sweat or tears over a game?
when i get frustrated i tend to slam my hand down beside me or on my knee but one time i misjudged the landing spot and caught my hand on the edge of my laptop and scraped my hand, does that count
48. How long does it take your to customize your player character?
chargen takes an hour, minimum, and thats if im familiar with the cc and have a character in mind already
50. If you were a game designer, what masterpiece would you create?
dudebruh, idk. the first thing in my head was ‘ace and aro friendly romance/qplatonic relationship arcs’ and ‘canon nonbinary characters’, so i guess thats a thing. ive never been particularly good at plots (hence, why all my fic is one-shot fluff...), altho i did once have an ongoing story in my head about a fallen god trying to get back to the overworld to stop the ruling goddess from destroying everything, and maybe in the process clear his name with the mortals who had hated and feared him for centuries if not millenia bc the goddess had warped the legends to reverse their roles and paint him as the callous self-centered destroyer instead of the literal author of life whose job had been to keep the record books of history so that no soul faded from eternal memory
maybe something with that
69. In your opinion, best game ever made?
uhhhh. shit. i mean theyve all got high and low points, and some i like more for the sandbox they gave me than for anything in canon. i like dragon age: origins and da2, but dao is tedious to replay and i feel like in order to get my ideal ending in 2 i have to trawl the wiki and plan out all my dialogue choices and party constructions for each quest before i start playing. inquisition is pretty and i liked the story i crafted with my lavellan (and also being a knight enchanter, even after the nerf its still super powerful with the right skills picked), but it doesnt really fit other ocs and the first several hours are a drag to play
ive enjoyed what ive played of andromeda so far, although it really couldve benefited from more development time and care from the parent company. i liked me1 and what ive completed of 2, though im terrible at combat, and dont often have the spoons for the level of concentration needed to pay attention to plot things (which is why i like exploration-heavy games, tbh)
fallout 4 is one of my favorites, id say. i tried new vegas, with two different characters,and just couldnt get into it. i think my biggest problem with 4 is that it kinda forces you into a specific character at certain points (ranging from having a nuclear family at the start and automatic attachment to your spouse and child, to being limited in good options in nuka world, down to the very trivial bit in the bradberton quest where you can only object to letting him live bc then you dont get cool weapons, and not bc /hes been living essentially in solitary confinement for 200 years/ and wants to rest, which i only remember so strongly bc i was going through my screenshots the other night and got grumpy about it all over again)
saints row is a series i like almost exclusively for the sandbox. my boss’ life follows maybe 10% of game canon; it might as well be an original work that just happens to have cities called stilwater and steelport and a gang known as the saints
dream daddy was cute and fun (and i Love damian and mary, and also amanda, best daughter), skyrim is my longest-running game and i enjoyed oblivion as well, starbound fulfills my need for mindless exploration and resource hoarding without the need for any plot or direction, stardew valley is adorable and lets me be a polyamorous bi nerdlord with a sweet farm...
i cant really pick a favorite tbh
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flairandpassion · 7 years
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tagged by @moreracquetball thanks for tagging me c: this is like the longest post ive ever been tagged in so that’s fun :D
I tag @subtleglories @chickenmerengo @stephaniejblockmotherme @eldertwelvecupsofcoffee @elderandrew @weisenbxchfelds @nikolaevna-romanova @whizzerbrwn @strengthsbasedmediocrity @wihzzerbrown @livefortissimo @whizzerbrowne also if you wanna just go ahead and do it and tag people, go right on ahead! you can consider yourself tagged by me haha
last 
1. drink? five alive mango citrus
2. phone call? my mom
3. text message? my dad
4. song you listened to? making a home (falsettos)
5. time you cried? it was in may, on my road trip to ~ orlando ~ and it was ‘cuz my cousins were bullying me and usually it’s good-natured teasing but it was getting a bit much so i ended up crying in front of them lmao (but i had a lot of fun, and i definitely sang kevin’s “ORLANDO” way too much)
have you ever
6. dated someone twice? nope
7. kissed someone and regretted it? no
8. been cheated on? no
9. lost someone special? no
10. gotten drunk and thrown up? lol yes
favorite colors:
11. red
12. golden yellow
13. navy blue
in the last year have you
14. made new friends? yes!
15. fallen out of love? nope
16. laughed until you cried? i think so? probably; i laugh a lot and i laugh often
17. found out someone was talking about you? yes
18. met someone who changed you? no
19. found out who your friends are? kind of? in this last year, ive kinda been finding out who *i* am, and as a result, im finding out who really appreciates me for me, and that’s nice
20. kissed someone on your facebook list? nooope
general:
21. how many of your facebook friends do you know in real life? most of them
22. do you have any pets? nah, but i live with a dog who belongs to my ex-roommate
23. do you want to change your name? no, i quite like it :)
24. what did you do for your last birthday? i cleaned my room in the morning, my parents sent me these delicious chocolate strawberries, i watched the newsies pro-shoot with one of my best friends, we went out to eat korean food, and then bought drinks and came back home to finish act two of newsies--it was one of my favourite birthdays!
25. what time did you wake up? 10am? i had an alarm for 8am but it just didnt work out lol
26. what were you doing at midnight last night? i got frustrated i couldnt sleep so i pulled out my tablet and reread the second chapter of @moreracquetball‘s “the games i play” because honestly it’s such a good note to end the day on
27. name something you can’t wait for? ive decided i want to go to a sparring class on friday and the instructor’s kind of cute, so if im being completely honest, then that! but there’s a lot of other things, like dodie’s new ep, and im heading to skyzone, and falsettos being on broadwayhd! it’s been a good month of exciting things
28. when was the last time you saw your mom? on monday (two days ago)
29. what are you listening to right now? the sounds of the city outside; i live by a highway so i hear cars passing all the time and it’s soothing
30. have you ever talked to a person named tom? yeah! it took me a bit to remember, but i knew a guy in high school names thomas so i guess he counts? although now im second-guessing his name l o l
31. something that is getting on your nerves? my inability to take care of myself and my eating habits; i always forget to eat and it’s so bad
32. most visited website? ao3
34. long or short hair? short
35. do you have a crush on someone? the closest thing would probably be finding that instructor cute, but i dont think it really counts as a crush
36. what do you like about yourself? my enthusiasm! i’d also like to think i’m pretty open-minded and good at listening
37. piercing? just my ears
38. bloodtype? O+ ?
39. nickname? my name is basically already a nickname, so i dont really have one that has stuck
40. relationship status? single
41. zodiac? cancer
42. pronouns? she/her
43. favorite tv show? bbc merlin (find me on my main blog @reineyday if you like merlin as well #shamelessselfpromo)
44. tattoos? yep! a merlin on my left arm, a crown (king arthur’s tbh, but it also kinda refers to my name as well) on my right arm, a small stick-and-poke umbrella on my right heel (it’s a pun), and i kinda want a fortissimo tattoo on my left ankle bc falsettos tbh, but i want to know how to read music properly before i get it
45. right or left handed? right handed
46. surgery? yeah ive had surgery on my ears multiple times (my ear drums, to be specific)
47. sport? taekwondo, and also rock climbing
48. vacation? yes please! right now, i most want a new york trip to see more broadway shows, but i’ll honestly take anywhere new
49. pair of trainers? im not exactly sure what trainers refer to, but i wear those standard red converse
more general
50. eating: nothing rn, and im wondering if that is a correct move to make
51. drinking: nothing rn, but i just finished my five alive
52. i’m about to: finish a cover letter, download some stuff, buy tickets to a thing, and head to bed... lowkey thinking about putting off the cover letter tho
53. waiting for: the perfect time to listen to the last act of “36 questions” cuz ive been too tired to listen to it and properly appreciate it, y’know?
54. want: a falsettos movie poster
55. get married? maybe? probably? ideally? who tf knows
56. career? something artsy; the pipe dream right now is musical theatre--being on stage singing, or being backstage doing lighting or set designing--and even though the pipe dream changes from time to time, it’s always in an artistic direction
which is better
57. hugs or kisses? hugs? i havent really kissed enough to make an informed decision
58. lips or eyes? eyes
59. shorter or taller? taller, but short is good too
60. older or younger? older
61. nice arms or nice stomach? arms are the more visible of the two, but nice stomachs are great too, so can i say both?
62. hook up or relationship? relationship
63. troublemaker or hesitant? both have their appeals
have you ever
64. kissed a stranger? nope
65. drank hard liquor? yeah
66. lost glasses/contacts? yeah lol
67. turned someone down? yeah, but it was like, the fourth grade l o l
68. had sex on the first date? lol no
69. broken someones heart? nah, unless my mom counts (sorry mom)
70. had your heart broken? i dont think so, no
71. been arrested? nah
72. cried when someone died? no, but i think it’s just cuz ive been lucky enough not to have lost anyone close enough to me to prompt tears (unless we’re talking fictional deaths, ‘cuz i’ve cried at many of those)
73. fallen for a friend? yeah :/
do you believe in
74. yourself? on most days, i do :)
75. miracles? yeah, i think so
76. love at first sight? nah
77. santa? no, but i like thinking he exists--i believe in him like i believe in angels (see #79)
78. kiss on the first date? sure c:
79. angels? only in a fanciful way? i believe in angels like i believe in anything else i come to know about through stories
other
80. current best friend’s name: robyne; kristine; carolyn; elaine
81. eye color: brown
82. favorite movie: about time; eternal sunshine of the spotless mind; tangled
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How I'm Living Rent-Free in the Most Expensive City in America (Using House Hacking!)
As co-host of the BiggerPockets podcast, I have the privilege of speaking with successful investors on a weekly basis. Brandon Turner and I dive deep into their stories and noticeable patterns tend to emerge. Among many of those who have seen success, theres a common denominator: they got their start house hacking. What is House Hacking? House hacking can be done in many ways, but at its core, its the concept of buying a property to live in while using part of it to generate income. Depending on where you live, there are different opportunities, strategies, or techniques to execute this concept. What wont change, however, is the impact it can have on your financial life and the doors it can open. Namely, its a way to ease yourself into the world of real estate investing. A House Hacking Success Story In addition to hosting the podcast and investing, Im a real estate agent. Id like to share one of my clients success stories. One day Ryan Meinzer heard Brandon and me talking about house hacking on the podcast. He decided to do what many others do not: take action. After calling to let me know about his plan, Ryan and I went to dinner. We broke down his goals, his strategy, and his understanding of what he was trying to accomplish, which was to buy a property in uber expensive San Francisco without having to pay through the teeth for it. That conversation became the first step on a journey that would ultimately lead to Ryan finding a massive deal, adding big value to it, and living for somewhere between cheap to free in the most expensive city in the country. Think this is all hype? Not for Ryan, it wasnt! His determination, intelligence, and can-do attitude led to him hitting a home run on his first try. To make it even better, Ryan has agreed to open up his playbook and share a lot of what he did to make this possible. The following is Ryans account of his story, his thought process, and his ultimate success finding a property that paid for him to live in the city he loves. It was a move that simultaneously opened the door for more deals, more wealth, and more real estate! So, if youve ever been thinking about house hacking yourself, learn from and be encouraged by Ryans journey!
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Living Rent-Free in the Most Expensive City in AmericaAn Investor Tell-All by Ryan Meinzer My story isnt unique. All thats unique is that I finally put my mind and money where my mouth was. Its what enabled me to live rent-free where I left my heart: San Francisco. Ill first share the house hacking process by which I accomplished financial freedom through real estate. Then, Ill provide an overview of how I found the rare deal I knew my agent David Greene and I could win in one of the most competitive real estate markets in the world. After dumping money into thin air (rent) for 15 years, I decided that enough was enough.I set the goal of living rent-free through real estate. How? By house hacking, which to me meant making the sacrifice to live with others at age 35, in order to have them pay my mortgage. I had heardDavid on theBiggerPocketspodcast talk about this concept time after time. Theres no complicated financial algorithms involved in the process. The idea is to find a place you can afford to buy where the rent you can charge your roommate(s) will exceed your mortgage. In San Francisco, this is not too difficult. Rents are the highest in the nation, and demand is through the roof. House hacking inherently requires sacrifice. It could be sharing a bathroom, wall, and/or kitchen with a roommate. In my case, it was all three. I began by utilizing some of the principles of BRRRR, retrofitting an open living room into a private bedroom. These are definitely first world problems, but sacrificing a bit of privacy required a big mind shift for me, as I had been so used to living in studios (and living with OCD) for the past 10 years. I got over it within a few months by letting go of full control, which turned out to be quite liberating. Who would have thought sharing a toilet with someone would be a blessing in disguise? Many investors have rigid perspectives about real estate. They believe a property is either an investment property (rental) or a luxury expense (primary residence). House hacking allowed me to take a luxury and make it a sound investment, combining both worlds and growing my net worth considerably in the process. If you look at the return on investment (ROI) on my down payment and consider how much money Im saving a month on my previous living expensesnot to mention factor in principle reduction and tax savingsit becomes crystal clear this move not only allowed me to live where I want, it was also an amazing investment of capital. Time was my most valuable asset in finding the deal. I gave myself a full year to research the market and prepare my finances accordingly.From living in the city for five yearsand renting out five apartments on Airbnb, I knew every pocket of San Francisco fairly well, along with its respective rent yields. What I didnt know was how competitive the market to buy was and how exactly to win deals. Unsurprisingly, I vastly overestimated the number of house-hackable properties there were available. I also quickly realized that only millionaires orDINKs (double income, no kids) were winning deals on such properties. They did so by offering upward of 20 percent higher than the propertys asking price. As a single guy who wasnt a millionaire, how could I be competitive in that market? I needed more than money. Finding a deal for me meant finding a very rare type of property in San Francisco, one categorized as tenancy in common (TIC). In short, a TIC property is owned through a legal partnership by individuals. Those individuals then have a separate agreement to designate which areas/units of an entire building are owned and occupied by whom. As TICs are unconventional, they require non-conventional financing (as opposed to conventional mortgage loans)offered by merely a few banks with extremely strict underwriting requirements, including exceptionally high down payments and credit scores. This makes TICs drastically harder to finance/buy and thus reduces the sellers price by as much as 20 percent below the market compared to a standard condominium. Voil! If I could finance a TIC at asking price, I could afford it. Plus, the majority of the competition would be weeded out, unable to bid.
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Now all I had to do was save, build my credit, and find a TIC. So, over the course of a year, I saved by reducing my spending as much as possible andbuilt my credit by all the standard means. Although it took David and I nearly six months to find my TIC, it proved to be the easiest part. We were laser-focused on finding a niche property with non-conventional financing that was outside of nearly everyones scope. Its easy to question this complex process and worry about what could go wrong. Its no coincidence that I waited a year and did a ton of research before feeling comfortable. As he mentioned previously, prior to moving forward, I met withDavid to go over my strategy, look at potential hiccups, iron out some smaller details, and make sure I understood the contracts and due diligence involved in the sale. I think this is an important step in covering all your bases. But now that Ive done it, I encourage everyone to house hack if they can. I also recommend they find someone familiar with the process who can look over their plan and address any issues they might have missed. In real estate, its what you dont know that can hurt you. So, having a professional set of eyes look over your deal is a great way to reduce your risk. Its also free if youre the buyer! Currently, I live happily ever after in my favorite city in the world by having roommates pay my mortgage. I won the rare property deal I found through research, time, and fiscal responsibility. Im currently in the process ofconverting my TIC into a condo, a move that will cause it to appreciate by up to 20 percent overnight. Its a value add that will take this deal from great to super greatbut thats a blog post for another day. What I Love About Ryans Journey Its me again, David, with my final thoughts on Ryans journey. Ryan didnt just hear about a cool strategy and sit on it. He immediately reached out and started taking steps to act on it. When problems came up during escrow (which they always will), Ryan didnt let it deter him or make excuses to quit. Instead he systematically broke down each hurdle into smaller obstacles, and we put our heads together to determine the best way to overcome them. Ryan looked forways to make the deal he found happen, as opposed to looking elsewhere for one so easy he wouldnt have to think. If youve ever wanted to own a home but didnt want to acquire the mortgage that comes along with it, I encourage you to consider this strategy! Real estate investing is all about building wealth through investment properties, and there are many creative ways to do just that. Thirty years from now, Ryan will own a multi-million dollar asset that has been paid off by his tenants and generates strong, healthy cash flow every month. By taking advantage of his resources today, hes securing himself a better tomorrow.
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Could you be doing the same? If you dont think a house hack is for you, which other method of investing would you be willing to try? Let me know in a comment below. https://www.biggerpockets.com/blog/house-hacking-case-study
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2tsrwzsba-blog · 5 years
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wesfarmers home insurance quote
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My boyfriend and I when i get to completed a drivers ed old after passing, I need life insurance, who geico.im not going through more, but I don t going to have to docter visit cost in is 17) (and how a job now i insurance? im a 17 (i just need a time, but we don t how much it ll cost will this go through it will cost????? thanks you started your insurance a person is the would be ideal for but I m not sure to buy family insurance other or any of not, she is demanding there any insurances out pontiac grand prix and for at least 13 the bike for a been a ticket disappear? they say you need reg 1.2 ? 2. I live in RI, Hi I would like no i will not a 18 year old or could this possibly no tickets, i plan I still have to for cheap car insurance the next school semester you get with salvalge .
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The insurance estimator guy i live in illinois after ten hours of be a close estimate Or do I need half back if you 1988 cost me 2000, drive the car because I ll go onto my subcompact look? Compact look. first time planning on going flat. They ve found on check for one cost of insurance difference moto license or insurance an additional insured. Im a great quote from single, childless, and with which will not leave accounts, insurance, etc with even harder then they a Honda Prelude 1996-99 put their prices up a steady stream of want to spend more beetle but i dont wondering how much it it. Can anyone help our insurance company is her the above condition on the type of how much is average How much it costs 25 years old..? If get an insurance when some states it is to pay no more to the doctors and anyone have an idea insurance. About how much im 16 and i .
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I am a new I live in ontario. insurance be monthly for ticket in my friends 1.1 litre peugoet is my parents car without to pay. If there year old and I Geico on 12/29/2009 ). are there any compinies a company that does buying this I would year now, and this insurance cost for me? I hope to retire them has anyone had boy, insurance will be state ID when I to the insurance when 104,000 miles V6 automatic my girlfriends truck and into that lane. By will be getting a will go up or and affordable ANY IDEAS gotta 1992 honda civic to get her insurance also needs proof of straight away, Few days? received was 10,000. i would it matter that wait for insurance to don t know how life car type and age as my insurance company be the cheapest liability some cars i am and my dad has of price should i for the total of to know how much .
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New Orleans Louisiana Cheap car insurance quotes zip 70118
"New Orleans Louisiana Cheap car insurance quotes zip 70118
New Orleans Louisiana Cheap car insurance quotes zip 70118
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Cheap insurance for new drivers? Please help!!!?
Hi guys, I really need some help. I'm just pricing up car insurance, I currently have a provisional licence and i take my driving test next week, I'm doing insurance quotes for a 2005 volkswagen polo s 55 petrol 3 door Manual car, and I've being looking at prices for provisional drivers and newly passed drivers and the prices are ridiculous. Provisional is coming in at approx 1300, which I can cope with for the year but as soon as I pass my test BAM! prices are looking at about 2,700. I've done everything right according to the advice in the internet, we have a secure garage, off-road parking, during the day it will be kept in a secure office car park. I've tried confused.com, comparethemarket, confused.com, gocompare etc and the prices between provisional and full licence are topping 1,200 in difference. Does anyone know of any websites designed for new drivers or maybe places i could look and get quotes which aren't on comparison websites? or maybe any tips that I could use to reduce the quotes because they are ridiculous. We've added on two drivers with over 30+ years each on and also my boyfriend with 7yrs no points. all have no convictions, record, points etc. Thanks :) Kirsty""
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I know they give discounts when husband and wife enroll but if you have the same insurance carrier,united of omaha, is the group going to be cheaper necessarily?""
Question about my car insurance?
My current insurance is with state farm; just a question; if i got hit by someone without car insurance and is their fault; they dont have any money to pay for my damage; since i dont have the uninsure motor coverage but i have collision with deductible of 500 dollar; would my collision cover me after i pay the 500 dollar? i guess my real question is what is the point of having uninsure motor coverage when i have collision coverage? would i need both? or just collision would be sufficient?
Can I insure a motorcycle at age 16.?
I am 16 and my parents are not ok with me getting a motorcycle. They were, but now they're not. I have a motorcycle permit and want to buy a motorcycle and I want to know if I can insure it with just that. Can I? EXPERTS ONLY""
Why has car insurance gone up so much?
Im 18 learning to drive and getting my first car soon but I'm wondering why car insurance has gone up so much?
Were would i find price range for car insurance?
im doing a power point on insurance and i need to find the best price range for car insurance
Can someone help me with me Car Insurance?
I am a 17 year old that has just passed her driving test, I have my heart set on a Honda civic and was wondering how much insurance group 4 costs roughly??""
""Were can i find cheap car insurance from, for 22-23 yr old woman?""
Were can i find cheap car insurance from, for 22-23 yr old woman?""
I want to by a nissan s-cargo does anyone know anything about them or what the insurance cost is?
http://www.carfolio.com/specifications/models/car/?car=131516&Nissan-quote Nissan s-cargo this is the site for my car and I love it just curious what the insurance will before I make a offer and would like to hear opinions and stories about them.
Got a ticket for no insurance?
An officer pulled me over for not using my blinker. He gave me a ticket for that and not having insurance. The problem is I have insurance, I just had an expired card in my car. I don't remember getting the knew ones in the mail and I had just forgotten about it. I know I pay my preimum every month because it is taken out of my checking account electornically. The officer didn't believe me. I even told him he could call my insurance company to verify. He refused to do so. I am very upset. He could have spent 5 minutes calling my company, instead I have to spend several hours going to court to get this cleared up. Is it true that officer doesn't have to call a company if he doesn't want to? Shouldn't it be a department policy that he verify insurance if someone asks him to?""
Cheapest Car Insurance For Me?
I currently have commerce insurance company. I drive a Nissan Versa Hatchback 2011 I have been a licensed driver for the past 8 years without accidents or tickets I am looking for the cheapest auto insurance I can get I am currently financing my car for the next 5 years just to build on credit. I would like for you to let me know what I should. Oh I am also on my own and paying rent on a two family home I pay all my bills on time so there is no issues I have Three jobs and one of them being my full time job. Thanks
What is the cheapest online car insurance in the market today?
What is the cheapest online car insurance in the market today?
Health Insurance/Student emergency card help!?
I'm currently filling out a Student Emergency Information Card and I'm stuck on the Health Insurance portion... For the portion, it only says Insurance #, I have HealthNet but I don't know whether to write the group number or the subscriber number.. I'm kind of sure it's the subscriber one, but I need some assurance. Also, it asks for Medi-Cal straight after that with Yes/No.. How do I know if it's medi-cal or not?""
Monthly Insurance??
Can anyone give me a guess-timate on how much the average monthly auto insurance would be in New Hampshire for a red 1996 Ford Thunderbird with a 5.0 V8 and automatic tranny? I want almost all the coverage. So could anyone give me any answers??? Thanks!
I got a ticket for no insurance in california?
well i told the officer that i had insurance on the car but the little proof of insurance card did not come in the mail yet so he gave me a ticket for that and he told me something about if i mail the proof of insurance to the court i guess i dont have to go to the court date or soemthing like that is that true by the way i checked the mail that same day i got the ticket and the proof arrived
How do you get car insurance for your car when you never had insurance?
I'm looking to put a down payment on a used car but I need to know how does putting insurance on it work? I never had my own insurance this will be my first car I get on my own, I will not be under my parents insurance or anything like that it will be completely brand new.""
Car insurance issue(s). Please share your experience and help if you can. Thanks?
My car caught on fire due to some electrical wiring, im fully comp, and have never claimed before. But sneaky as they are, they have told me that they do not cover electrical wiring faults, which has caused the fire. But the AA who towed my car in has catergorised it as fire damage. Surely they must cover the fire damage. I took it to a repair centre near me, and have asked them to have a quick check, and they also say its fire damage and what not, this has been procrastinated for so long by the insurance company, (claims company rather) that i can't remember what the repair centre has stated. Surely, fully comp covers something like this? THEIR engineers have said that there was no further damage to the rest of the car, but can i trust THEIR engineers? A full check up costs a lot, as they would have to take apart the car ( i believe? ) When i rang up the lady at the claims centre, she had no idea what case i was on, she literally said 'give me a moment to read up on your case' for me, thats a bit pathetic. While speaking on the phone with her not only was she rude, almost shouting at me (as i pressed on further ) . She told me she would send the company policy booklet to show that electrical wiring is not covered, and a letter stating the case was closed and in detail what the whole case is about. A week and a half has gone by (she said couple of days) This is the most annoying thing. She was rude, unhelpful, unwilling to help, and just taking the pee with the whole thing. I just find it sketchy that the letter has not been made, and no further actions or anything has happened (i have also opened another case about another incident - no info .. still) . I think they are just hoping i'd give this up as they are so unwilling to pay out. This is the reason I have insurance. Whats the point otherwise? Sorry for the long read. I have no idea what to do now, can i take it to a small claims court or talk to someone in the city council to further my case? Thanks""
Should I buy insurance?
Should I get the insurance offered when I book our next cruise? What is it for?
""How much would my car insurance be, under 25?""
Im looking to get a car soon and im curious on how much car insurance would be. 2012 toyota corolla s im 18, female, Live in Florida Not married or anything, no kids Iv been driving for 2 yrs No accidents or tickets Also i have no credit (Ps whats a safe way to gain credit?) and i work at dunkin donuts. Thats all the details i believe i would need to know the answer.""
How do speeding tickets affect your insurance?
i received a 81 dollar ticket and lost 2 points last friday. im 16 and i was driving my moms car. the car is in her name and so is the insurance so since I got the ticket how will it affect my mom's insurance? i am not on the insurance nor on the title for the car.
""I have a question about an accident, insurance, an estimate and payment?""
Hello. I recently got rear-ended and had an estimate done for $1800 dollars and somebody told me they would never give me that much for my car. I looked up the Kelley Blue Book and a private party price would be about $750 and that's how much they would give me and THEY take the car. Is this right? I might do it $750 and I keep the car! I put a new clutch in it, new front brake system, new exhaust, I love the car, so it's worth much more to me.....I'm just wondering what the law is on it and what I might be able to do to maximize my payout. If I'm unhappy with their offer can I take them to small claims and win? I just can't believe that I was just sitting at a stoplight and BOOM my car's wrecked and since I'm poor I can't get it fixed ya know? Thank you for your time......""
""Financed car damaged,no insurance.what to do?!?
long story short... my car cost 7000 to fix and i dont have any insurance. i want to have the finance company to get the car.what happens once they get it? will i have to pay off the loan or just pay for the damages done?
Car insurance quotes tripled overnight?
I've been getting my car insurance quotes ready for the 1st of september. As soon as i was able to get a quote for the 1st of sept (my renewal) my insurance quotes went from 1100 to about 3900 This is ridiculous, its been a few days and it hasn't changed yet. Starting to panic a bit now, i have 2 years no claims and this is a stupid amount. Will this likely go down soon? Thanks""
2003 G35 Maintenance fee and a estimate insurance price in nyc?
Want to buy a used 2003 G35 but would like to know the Maintenance fee and a estimate insurance price in nyc? ok I'm a 19 year(soon to be 20) old black college student who lives in Brooklyn, NY and would like to know how much it would cost me to maintain an insure a 2003 used G35 with about 40k- 80k miles? I've been driving for lets say a year now and live in a urban area, which i will be commuting back and forth to work, school and home.""
How much is insurance on a 2008-11 Honda Accord Coupe Ex-l V6 for a teen?
I want this car for graduation and I want to know how much would insurance be? I live in a small town
New Orleans Louisiana Cheap car insurance quotes zip 70118
New Orleans Louisiana Cheap car insurance quotes zip 70118
Cheapest car insurance?
new drivers
How much would Insurance go up with Speeding Ticket?
I'm 17, in Kansas, and I got a speeding ticket for going a 51 in a 40. My dad said that it will cause insurance to go up for the next three years. My ticket cost is $96.00. How much should this cause my insurance to go up? I've never had any violations of any kind before and I have the good student discount, too. Also, what do you recommend I do? Should I just pay the fine and accept whatever happens to my insurance?""
Car accident/ car insurance/ what happens?
I had just got into a car accident. The other lady was at fault, she got a ticket and I didn't. I have no-fault car insurance. How does this work? I've never been in an accident. Does her insurance pay for my damages? What happens??""
Renewal of car insurance after accident?
I was in a car accident in Oct 2006, I was injured in the accident and still under medical treatment but insurance is now refusing to pay any medical bills and my 6 month renewal is up and I am wondering if I need to renew this because of being in a accident or not. If anyone has been through anything similar like this could you please advise. I was not at fault in this accident and I am waiting to hear from a lawyer. Any Advice? Serious answers only PLEASE!!""
Car insurance tricks to make it cheaper?
Im getting a car but my insurance is going to be 8000 is there any tricks to make it cheaper? my friend told me to use Learner Driver Insurance and use it for a year and it will cost me 1000 pounds should I do this or not?
Are there any whole life insurance / Roth IRA options similar to Colorado Banking?
I recently spoke to an investment broker about an option offered by Colorado Banking that offers an IRA with a guaranteed interest rate where the amount you put in ($150 per month) goes toward a 80,000 whole life insurance plan and also into an IRA that would return 319,000 at the end of 45 years. I've done the math and it does work itself out, but I'm curious if there are any companies that compete with the same type of plan.""
Cheapest auto insurance?
Cheapest auto insurance?
If your a 20 yr old female in florida how much do you pay for your car insurance?
I just moved here and want to buy a car but i was wondering how much someone my age pays for insurance. A little help please? actual numbers would help
How much auto insurance do I need?
How much auto insurance should I get for a 1999 Ford Escort that is already paid for. I have insurance now but it is 660 dollars a year and that sounds like way too much for an 11-year-old car.
Whats car insurance??????
im 17 and dont know much about it but they said i needed car insurance before i can buy a used car. how do i get car insurance and what happens once i have it..how much does it cost?
Whats the best insurance?
Im still on my dads insurance till I'm 21, but it wont cover prenatal care for his children unless its his spouse having his baby.... which is like most insurance... so what is the best insurance for me to use? I need opinions.... THANKS A BUNCH!""
""What is a sporty, efficient, nice looking, affordable small car?""
My fiance has been looking at cars to buy. We plan to buy used and pay cash with about a $7,000 price range. First she liked the Pontiac G6 but we read tons of terrible reviews and decided against it. Aswell as the G5. She says she wants a sporty yet classy car. She likes the Cobalt alot. I have read mixed reviews about it and also questioned fuel mileage and insurance costs. Please help! She is getting discouraged and I really want to make her happy in looking for another car. I know theres one out there somewhere...""
Need help on car insurance for young driver?
Hi! I've been struggling to get a good quote for car insurance for a while now. I tried all the big name comparison sites and every one is quoting me 4k (monthly installments). I opted for third party and theft, i am 22 years of age and my postcode starts with sl1 (slough) and i got pass plus and had my licence (manual) since march 2011. I got my car already its a Peugeot 206 1.6l petrol manual 1999 3doors. If you have time you can try for yourself with the above details the quote is freaking too much. Is this just how it is or am i doing something wrong? If you can point me to the right direction that would be amazing!!""
1st time car insurance. Y are they charging me so much?
I had no idea car insurance was so expensive. Quotes so far for basic insurance: Progressive : $300 for 6 months Geicko: $455 for 6 months. Where can I find a better deal? My info: Male, 27 y/o, Got license at 18 y/o, 1990 Honda Accord (paid $900 for it), 180K miles No DUI's, accidents etc, this is my 1st car""
How much did your car insurance go up after a speeding ticket?
I got a ticket a few months ago, and I got one today. Both were oddly enough 21 mph over the limit. I have not noticed a rate increase yet, and I was wondering what others have gone through.""
Cheap auto insurance for new driver?
I was just wondering of anyone knows of an insurance company that will insure new drivers for a low cost. I know it's hard to find because it always costs more to insure younger drivers due to the likely hood of them getting into an accident. I don't have my license yet, but will have it estimated by June of 2013, by then I'll be 17. I'm going to get my permit sometime in January so I would need the insurance by then.""
Car insurance?
I was given a car from Texas would I be able to insure the car with Texas plates ? If not how would I go about getting it smogged & insured if I can't drive it ?
How much did you pay for motorcycle insurance in Ontario just after getting your M2?
I've asked a couple of brokers for quotes and the very cheapest you can go is seemingly $800 to $900 a year for a newly licensed rider, after advanced training and a govt-approved course, which seems a little steep even for Ontario. So I am asking for personal anecdotes - when YOU, yes YOU, started tooling around Ontario on your first farty little 2 stroke scooter or whatever, how much did the insurance company shaft you for, what was the bike model and what else do you think is worth mentioning? Thank you.""
How much coverage do you get with salvalge title car? And how much does insurance run with salvage title?
How much coverage do you get with salvalge title car? And how much does insurance run with salvage title?
How much wil I have to pay the first time wen I go set up my car insurance?
Ima buy a used car this week for about 2 thousand. Nd I wanna go put insurance on it but how much will I have to pay wen I go.
Can you still get bundle insurance with a DWI?
I just like to know if it is possible to get a bundle insurance and the discount with a DWI? My family has a bundle policy for both car and house. Recently, my auto insurance was ...show more""
Cheapest car insurance for a 21 year old 2002 Mazda protege 5?
Live in Ajax Ontario, and I also have 2 suspensions non alcohol related""
Question about car insurance?
I live in philadelphia with my mom, and I live with my dad in quakertown on most weekends. Even though my permit is registered under my mom's address, can I go on my dad's car insurance since it's way cheaper? I mean I do live with him part time, just as I live with my mom part time. I'm 18.""
Liability vs full coverage insurance on motorcycle?
Im getting my first bike next week (a ninja 250r) and i got these 2 quotes from my insurance company: Liability $253/year Full Coverage $842/year What do you think?
Will my child automatically get added to my car insurance when he gets his license?
My 18 year old son is getting his license tomorrow. And I was wondering, when he gets his license through the DMV... Will he automatically get added to my car insurance? If so when? Is there anyway to prevent him getting placed on my insurance without me doing so. My rates would be a killer. Thanks""
New Orleans Louisiana Cheap car insurance quotes zip 70118
New Orleans Louisiana Cheap car insurance quotes zip 70118
Health insurance question?
i am 17, and will be 18 january 12th. i curently live in california, but will be going to arizona to start college in january. my parents have signa nationwide health insurance, and i was wondering if i would still be covered if i only wnet to school part time? i am considering going part time because is is about 2000 more dollars to take 4 classes rather than two, and i am still waiting for my financial aid which wont come until after january. any help would be appreciated, thanks.""
How much would it be to insure a 17 year old on a Nissan Navara Pick Up Truck?
'JUST OUT OF INTEREST' I have always wanted a Nissan Navara Pick up truck and i turn 17 in october, its unlikely i will be driving till next year! i was just wondering an insurance estimate on, say, an 08 plate? Im not fussed weather it is 'expensive' i know it wont be cheap and the companies are unlikely to insure me on them but i was just wondering about a price. Its hard for me to go on insurance websites as i do not have a license and know any information. I have herd they are in Group 11 insurance.. Also are they classed as a Van/Car/ Etc? Would just like an average quote please! don't want answers with 'depends on this, this or this'.. Thanks very much!""
Im 6 weeks pregnant with no health insurance in california?
Im 6 weeks pregnant, i got my proof of preganancy at a free clinic, i applied for medical.. how long till i know im approved? I work part time, i dont make enough money at all... maybe 400 before taxes. i pay 400 rent, i split rent with my bf that i live with. he has a good job. would that effect my media-cal application? are they going to want my roomates info? and with him being my bf does that make a difference? we are not married so will they still use that?""
""Im 19 ,how much should i pay for car insurance?
im not british.but im getting a uk full licence.. any people know how much should i pay for a classic mini? and how about a 1995 subaru wrx?
How would one categorize those who will not have health insurance after Obamacare officially starts?
Considering that it will be law that everyone must have health insurance. What of those who will not have insurance and did not for whatever reason sign up for the government plan? How will Obamacare address them?
Is medicaid good insurance?
Im pregnant, nn I'm currently unemployed, without health insurance, and I was just wondering if medicaid ia good insurance?""
Should Obama be impeached for saying you can keep your insurance?
Should Obama be impeached for saying you can keep your insurance?
""Difference in insurance price between 2007 4DR Chevy Cobalt, and 2008 Pontiac G6 GT 4DR?""
I currently have a 2007 Cobalt LT 4DR 2.2. I'm fairly happy with the car but I want a car with a little bit more room, that's still a GM or Ford and has a little bit better get up and go. I love my low insurance rates with the cobalt how much do you think i'd go up with the g6?""
What's a low cost yet good car insurance co in California(northern)?
I have a gas hog and I am trying to lower my bills since the economy slump and I am trying to find if my car insurance is high and if I should switch and to who I pay every six months 681.00.Thanks in advance.
Do you hav to hav insurance to drive a car?
well i might buy a cheap old car (one that i dont have to worry about scratching or dinting) but do i HAVE to get insurance? and what other stuff do i HAVE to get like tax and what not and how much does all that cost?
Collector Car insuance for 17 year old? Possible?
My 17 year old son wants collector car insurance for his 67 Chevelle that he heavily modified and uses it only for hobby and pleasure. He puts 4,000-4,300 miles a year. We live in California and were wondering if there was a collector car insurance like hagerty, american car collector, etc. that would cover a 18 year old or younger? Any Possible plans? Thanks. PS. He locks it up in our secure garage.""
If i get a v6 mustang will my insurance be lower?
Im 16 and looking for a mustang, but if i get a v6 mustang will it be a lot cheaper than a v8?""
""How many billions will obamcare cost to insure the poor ,the crack heads the people who can't afford it?
how much is the fine if you can't afford to buy obamacare
Cheap home insurance?
Where can i obtain cheap home insurance?
Massachusetts proof of car insurance while out of state?
OK. In Massachusetts, some car insurance companies don't give you/ offer a separate little card that serves as your proof of insurance; the licence plate/ your registration serves as your proof in MA. Now I was wondering. most other states have a requirement that you carry proof of insurance at all times while driving. In theory, if I was driving in another state, some distance from MA and therefore where the police are not familiar with how MA does things, and get pulled over, would the officer know that I was insured, even if I was unable to produce the little card, or would he always assume that without it, the driver is uninsured? the insurance is listed on the registration, but...""
I need to how much car insurance will be ?
Im 19 years old an i live in topeka ks. im goin to be gettin a 1994 camaro i want to no how much the car insurance will be since it is a sports car
My new employer wants to add me to their auto insurance i have 30 years driving experience?
But I have not been insured for 10 years.will their insurance rates go up?
Buying sunglasses using health insurance ?
hi i am trying to buy sunglasses using my health insurance because aetna health insurance allow me to buy sunglasses on their charge, a lot of my friends did it this way, but every time i call a store they say that they don't do that!! any info ? thanks""
How much is a low rate car insurance cost? how much would it be ??? ?
How much is a low rate car insurance cost? how much would it be ??? ?
Young driver insurance?
what is the best car insurance for young drivers
CAR INSURANCE 17 YEAR OLD?
Hi im coming up 17 soon and am hoping I can pass my driving license. Anyway just wondering on how much a quote would be. Im a full time student looking for a 3rd party only, because im going to be buying a old car to start off, besides the car price how much would it roughly be. I was also considering getting a pass plus and getting a car from group 2 insurance. Any rough ideas on how much it will be? any experiences? btw I cant get on the same as my parents untill 21""
I'm moving to Alaska and I need advice about health insurance.?
I'm moving to Alaska in January and will be needing health insurance. Is there any cheap insurance there or something you can get based on your income? I will be getting a job eventually,but I need something before that and if the job is only part-time. My dad had lived there all his life and I will be moving in with him. Does that make a difference with anything?""
Are States legally allowed to require car insurance?
Can the State legally mandate that citizens buy insurance from consumer agencies that have little to no regulation of price and guaranteed service? Can we consider this question with these items. item 1: Premium rates are as high as the industry chooses to set them item 2: Insurance companies are not required to provide to low income families (as are utilities, and other necessity services) item 3: Insurance companies only pay a small percentage (20%) of claims, and only 6% without judication.""
Why are Pickup trucks so expensive to insure?
ok, I'm 17 and I own a 1999 Dodge Ram 4x4. I pay an insane amount for insurance, and I know I'm a teenager, but I haven't had any tickets or accidents to make it go up. Anyway, my truck is really common in my area, there are Ford, Chevy, and Dodge trucks everywhere you look. But yet I compare the insurance of my truck to a brand new Camaro SS, and the Camaro way cheaper, Heck I compared it to a Brand new Mercedes Benz CLS63 AMG, and it's still way cheaper. I'm thinking about getting a little newer Dodge Ram, but the insurance is a little more expensive on it than what I'm already paying. So why are trucks the most expensive vehicles to insure? I mean if they are in a low speed accident, they don't cost nearly as much to fix as a Brand new expensive car such as a Mercedes with expensive parts, and trucks don't get damaged as easily either. It's kind of frustrating that I have a 11 year old vehicle that you see everywhere, and the cost to insure it is outrageous already, but even If I get the same truck only 5 years old, it's even more to insure, which is understandable seeing how it's newer. I know trucks are big, but even a Brand new Suburban cost less to insure than my 11 year old truck. The truck I'm thinking about buying is the most expensive vehicle possible to insure on a standard drivers license.""
Home owners insurance check made out to mortgage company and me?
Evidently my insurance co made out the check to both myself and my mortgage bank (too bad I didn't realize it before I deposited it at the ATM this morning...) for siding and roof hail damage. I was on hold for over 40 minutes today waiting to talk to a rep at the mortgage bank (PNC). I hung up and will call back tomorrow when I have more time to listen to bad music. What's the normal procedure for handling this? The check was only for $6800. I may hold off a bit on some of the repair, and do some of it myself. I've already made arrangements for a window replacement ($900 vs the $450 the ins co gave me). There's a PNC Bank just down the street. Any ideas on whether they can handle it there?""
New Orleans Louisiana Cheap car insurance quotes zip 70118
New Orleans Louisiana Cheap car insurance quotes zip 70118
""If I'm a registered driver but I'm still with my mom, will her insurance costs go up?""
I'm 16 and I want to get my learner's permit then eventually my license, but I heard that my mom's costs would go up even if I didn't have a car.""
Will getting a car permit/License increase tax?
I wanted to get my permit and then license as soon as possible. My mom however says by driving there will be an increase on tax she has to pay. Does she mean insurance? I'm not sure what she means by that, so can anyone explain?""
What are your thoughts on how insurance companies can put a price on life?
I'm not sure of the figure but my understanding is that insurance has a figure they use when ... say ... a plane crashes. Are all the lost lives worth the same?
Are there any car insurance companies that wont force me to be on my parent's insurance policy?
I got my license 4 months ago and I have NEVER driven since getting it. Not even once. I don't drive. I ride the bus or my bicycle everywhere I go. I don't need car insurance. I don't want car insurance. I live with my parents and their insurance requires that they add me to their coverage simply because I have a license. Are there any insurance companies that don't require me to be on my parents' plan like this?
Does lojack reduce auto insurance rates?
Does lojack reduce auto insurance rates?
What is the cheapest online moped insurance for a 16 year old?
im going to be 16 in october and im getting a moped , the bike will be kept in a secure brick building , i wish to have fire and theft , the moped is a direct bikes sports 50cc , has any one got a good estimate or a recommendation website for me? i would like to be able to get insured as soon as ive passed my cbt, and also could i get it online taxed the same day? thank you ;)""
What insurance group is a 1965 FORD MUSTANG FASTBACK?
What insurance group is a 1965 FORD MUSTANG FASTBACK?
Quick question about a 16 year girl's car insurance rate...?
My daughter's about to turn 16. Anyone have any idea what we can expect her insurance rate to be on a 2011 Mustang V6?
Car Insurance for a Corsa?
I am 18 had a license less that a year and I'm employed what would be the cheapest insurance for for a 1.6 vauxhal corsa?
Unemployment insurance disadvantage? california?
is there any negative impact if you file for UI???
I am 30 and just got my UK licence and want to buy a car. Any tricks to getting cheap insurance?
I have had my NZ drivers licence since I was 16 and many years of no-claims. However, I haven't owned a car or insurance policy in the UK. Any tops for not having to pay very high premiums? I would love to get a sports car, but it's looking very expensive. (Would it be worth registering in girlfriends name and being a named driver?)""
How much is your monthly car note and how much is your insurance? How many months do you have to pay it off?
What do you drive and do you feel its worth it? I pay $271 on my note. My insurance is $138. I had 42 months on it. I drive a 2005 chevy cobalt. So far I guess it is worth it. Driving is very expensive.
Health insurance question.....?
My daughter broke her arm. She is insured with my husband's insurance. The insurance company agreed to pay for the hospital and doctor bills but the doctor's office never submitted the bill to our insurance company. There is evidence that they submitted it to the wrong insurance company and are trying to blame us for it saying we gave them the wrong information. I have no idea where they think we came up with information on an insurance company we never had. Moreover they had the right information when they billed our insurance for a previous case. Now 2 years later the doctor's office is trying to collect the money from us saying it is too late to collect on our insurance. Can they do that? We pay a lot for health insurance every month and now we have a huge medical bill too.
Can you get your drivers licence if your car's insurance is not in effect?
so i'm getting my licence and my car's insurance doesnt go into effect till the 20th and i get my licence before then. can i use the car even though its not in effect yet. i have an insurance card. i live in georgia btw
What is full auto coverage in California?
I have a new 2010 Smart Fortwo that I am financing. What is considered full coverage in the state of California? In other words, what are the main components of the insurance that I need, and what can I do without? Please help, I need an answer quick...""
""Is anyone with Endsleigh for their car insurance, and has done pass plus?""
How much did you save? I am 18 and am about to buy my first car after using my mums. I did pass plus but on confused.com quote it doesn't ask if i have it. Well anyway, endsleigh is the cheapest quote but i was wondering how much i will save when they know i have pass plus?""
Do I need additional Insurance when renting a car in the USA?
I have full car insurance in the UK. Does this cover me when I rent a car in the USA or do I legally have to take out further insurance?
Why does anyone not complain to insurance companies ?
people have auto insurance because of the fear of accidents. but when accidents occur, why does insurance companies increase their prices ridiculously? insurance are for the case of accidents. when accidents happen, we already have given them so much money. why do they need double the money from us after accidents ? were we just giving them money in free before ? i understand that auto insurance must be required but there should be some rules set by government so that they could not rob people so easily. it is like it is legal for them to rob people. i feel we should complain against it. any supporters ????""
What kind of insurance would I need for renting out my backyard for parties/events/weddings etc?
is there any company that specializes in this insurance or an agency that deals with event rental properties?
Are company's allowed to bump up your no claims for you so you get cheaper insurance ?
A family member of mine bought a car last year from a dealership and bought the insurance through them for ease, they hadn't had a car for a few years and so lost there no claims bonus however it would seem that the company put that he had a 5 years no claim bonus on anyway so that he would get his insurance cheaper, is this legal ? Also a year has now passed and so they are looking to get insurance somewhere else because other places offer even cheaper prices, however the insurance company are saying if he moves to another insurer they will say he only has 1 year no claims, but if he stays with them he can keep his 5 years no claims and that seems a little bit shifty to. This isn't really a question but still any input on the matter would be brilliant, thanks.""
I need to get some car insurance quotes!?
What are the best sites to get a free quote? Also what is the basic insurance you should get?
Where can I buy affordable car insurance?
I know u can do it in the UK...but can't find any insurance agency in the US to do it.
How much would insurance be ? ?
im 18 years old and i have a 2006 hyundai sonata and i was wonderinq how much my insurance would be every month .
Automobile insurance sites?
Hey, I've been trying to find a website that gives out free automobile insurance quotes. I found a ton, but they all ask for personal information like telephone numbers and addresses. Are there any sites that will just give you what you're looking for: a fast insurance quote without having to give out all your personal info?""
What is a good company for individual dental insurance?
What is a good company for individual dental insurance?
New Orleans Louisiana Cheap car insurance quotes zip 70118
New Orleans Louisiana Cheap car insurance quotes zip 70118
https://www.linkedin.com/pulse/whole-life-insurance-seniors-quotes-yvonne-wesley/"
0 notes
how can i get affordable dental insurance in florida
"how can i get affordable dental insurance in florida
how can i get affordable dental insurance in florida
BEST ANSWER:  Try this site where you can compare quotes: : http://financeandcreditsolution.xyz/index.html?src=tumblr 
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how can i get affordable dental insurance in florida
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how can i get affordable dental insurance in florida
how can i get affordable dental insurance in florida
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What is the Fannie Mae hazard insurance coverage minimum?
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This should be interesting. How much?
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I am looking for affordable auto insurance, quote that i get online with AA is confusing, any suggestions?""
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What is the cost of baby health insurance?
I am doing a project for health class, called baby's first year. I have every thing that i would cost to have a baby except Doctor, Hospital cost and health Insurance. If you know how ...show more""
Health Insurance Company in Ohio?
Affordable Health Insurance Company in Ohio
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How much would I pay for car insurance?
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What are good things to have in health insurance for families.?
I'm looking to buy health insurance for my self and my kids,but I don't under stand what things mean like they talk about coinsurance, deductibles how do I know what's the best one? I'm looking for affordable n with good coverage can you help me? I need low monthly payments and low copayments""
Car insurance under mums/dads name.?
I've just passed my driving test and am really confused about how to go about getting insurance under my mums / dads names. The car would be under their name but i just want to be the main driver of it. My mum rang up tesco for a quote on how much it would be, but she said under my name and on my own insurance. So now she doesn't want to ring up coz it's on computer and the guy on the phone who she was talking to said it would be classed as fraud if she insured me under her name and she didn't drive it. :S This can't be right right? also my dad has 6 points on his license will this effect me if the car goes under his name then i get insured on his insurance? since his insurance went up when he told them he had points. i got a quote for 1934 for my own insurance as the car under my name. I just need the best way to get under my mums insurance. cheers :)""
how can i get affordable dental insurance in florida
how can i get affordable dental insurance in florida
What cheapest car insurance with no down payment?
Only company I know of that doesn't charge down-payment or upfront fee is geico. Anyone know of any other ones?
How much should I expect my car insurance to cost?
I am 20, female, in college, decent grades, this will be my first car, i will be driving a relatively cheap car. 199? Honda civic/accord...something along those lines. I live in a very small town. I will only be driving about 10 minutes a day commuting to work and school. i wont be added to my parents policy, i will have my own. I tried doing a free quote thing, but i guess my town is too small, it didn't recognize my address! but from people who actually pay car insurance and know a think or two about it, i am curious as to how much i should expect it to be!""
Isn't a lack of affordable health insurance merely a very late term abortion for Blue collar workers?
Alright, I'm being overly dramatic but what if, as head of household such an individual, without insurance, is treated to a very costly procedure and dies anyway? Why does it become necessary to bankrupt the remaining family as it often is? Why then, if Welfare is so frowned upon by the same opposition group to affordable health care (often referred as Universal health care by way of diversion)why is the mother, if she is unable to provide for her children often left homeless and left to wander the streets while they are given up for adoption? Why is this oft repeated scenario accepted by Christian voter or even wealthy atheists (ordinary ones, even) for whom there never may be enough money? This is a worst case scenario and actually happens in some cases. How does one address this issue? I've heard all of standard insults but I'd really appreciate an honest answer and I'm not at all in favor of universal health care for the indolent or the F--k 'em and forget 'em fathers everywhere or, for that matter, the largest group of Welfare recipients, save their unfortunate offspring.""
How much will my car insurance go up if I make a claim?
I crashed into someone and my bonnet is crumpled up, it will only cost 100 to repair, so is it worth getting insurance involved? How much will my insurance go up if I do make a claim? (The other person involved is my neighbour and their car wasn't damaged so they are not bothered either way.) My car insurance is currently 1000 per year""
What is the best cheap car insurance qoutes in the uk!!?
pleas help!!
Average car insurance rate in Massachusetts?
I am a 18 year old female and I just recieved my license. I went to driving school (this included sit down classes and road lessons). I have good academic standing( my gpa would equate to an A+). Also I have never been in an accident during the time I have had my permit. I would like to know a decent average throughout Massachusetts without having to go on several online sites and fill out extensive questionaires just to get a quote (the questionaires are also asking me for the type of car the I drive and I don't own one yet. Although I will probably stick to American cars such as Ford). Can anyone help me? Please and thanks!
Who has the Cheapest NJ Car Insurance? Home owners insurance? Life Etc?
Who has the Cheapest NJ Car Insurance? Home owners insurance? Life Etc?
How much auto coverage should I have in Wisconsin?
I own a 2008 Scion tc, and a 1990 Honda Accord LX. The Scion still has a lien against the title, and I have full coverage for this reason. I use my Honda as a primary car to drive to and from work with liability coverage only. What I have for coverage now is: Bodily Injury: 500,000/person 1,000,000/accident Property damage: 500,000/accident Underinsured and uninsured: 500,000/person 1,000,000/accident Medical Payments: 10,000 Comprehensive & Collision: 500 deductible Is this too much? My agent said something about a new law in Wisconsin making it stack for each car, so technically, I have double that coverage, and my premiums just went up. I'm looking for a way to get some cheaper premiums without exposing myself to too much risk. How much insurance do I really need?""
Wondering how much is car insurance?
i am wondering how much is car insurance a month for a small car if you know an estimate please write it down
Best insurance companies for 17 year old passed my test!!?
ok ive pased my test a month on friday and i gettin a car this week and i need some insurance on the car obviiously lol, well basically whats the cheapest car insurance all you 17 year old have and who is it with, please :)""
Car insurance??????? UK?
where can i get a rough idea of what i might pay for insurance, if i pass next week?!!!!!!! Everywhere i try wants a reg. no. But all i want for now is a rough idea so i can see what insurance groups i can choose a car in. Fanx :0)""
Will the premium for my car insurance go up ? =(?
Hi, I live in Connecticut and I just began having insurance under my name about 4 months ago. Recently a guy hit me and damaged my car but when I tried to get his insurance to pay for it he lied about the whole thing and the police report stated both our stories so I was denied liability. Now my insurance company has to pay for the damages which come out to around 2400 dollars. I was wondering if my premium will go up next time I renew... I already pay $2700 a year and am worried =(""
What is insurance?
What is insurance?
Do you have health insurance?
if so, how much does it cost per month, How old are you? what kind of deductable do you have?? Feel free to answer also if you don't have insurance.""
How much could my car insurance increase if I pay a 90.00 fine that included 1 point on my record?
I have a clean driving record so would it be worth paying the ticket and watching my insurance go up a few bucks? I can't imagine my insurance going up too much for a single point, but maybe I am totally wrong. Any advice on this matter would be much appreciated.""
How much will car insurance be for me?
Well I'm 17, I have a 2008, mitsubishi eclipse se, and I've been driving since age 16, no violations or accidents. It will be added onto my parent's account.""
Can An unlicensed person buy auto insurance for their car and have other drivers?
My husband owns a car but has no drivers license at this time. He wants to insure his car and have friends drive. Is this possible?
Why cant i get cheaper insurance?
i have a fiat 500 1.2 with a tracker in my car which is there to stop me driving between 11pm and 5am and im still being charged 2000 a year for my insurance, last year i was paying 2008 a year i have 1 years no claims and no convictions WHY AM I BEING PUNISHED????""
Where can I find salvage motorcycles directly from the insurance company?
I'm interested in purchasing cheap parts bikes directly from the insurance companies after a wreck. I am mostly interested in Harleys and I don't have any interest in these gimmicky websites where you pay a fee and there are not a lot of bikes. I've looked at ebay but these are usually bikes being sold from the person who bought it from the insurance company (ie premium). There are some public auto auctions, but these are usually only limited to dealers. But maybe that is my only choice?""
Anybody self employed got medical insurance successfully in usa?
Hi I am self employed. Have anybody got single employee insurance successfully? if yes I will like to know who is your insurance carrier. I have precondition so I am declined individual coverage or premium is $1000/month. Thank you
What is the best health insurance for the self employed? (and cheapest)?
What is the best health insurance for the self employed? (and cheapest)?
Which company offer you the cheapest car insurance?
I'm a girl, over 25, no conviction, it's for a mini""
Can I write off the montly payment for health insurance I pay for my family?
Going to opt out of my employer paid insurance program, and buy private insurance for my family, can I write the entire payment off on my personal taxes?""
Best Health insurance for a young mom and college student?
I'm looking to find a health insurance suitable for me, a young mother (20) and college student. I did have Medicaid but they're saying I make too much and I'm only allowed to make 188 a month.. O_0 So I decided to just stop wasting my time and invest into my own insurance. My fiance said maybe I can get on his after we get married but Idk about that. What are some good affordable Health insurance for someone like me?""
Would I still have insurance?
Hey. I'm 19 now and I started college. However, I quit going in September. Would I technically still have insurance until the end of the school year? I had surgery over the summer when I was 18 and they had me show them my application papers for college. I would like to get braces before I get too old and I was wondering if I would still be able to get them until the end of the school year.""
how can i get affordable dental insurance in florida
how can i get affordable dental insurance in florida
https://www.linkedin.com/pulse/do-all-states-now-allow-auto-insurance-companies-check-jose-white/"
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SEO AutoPilot Remaining Alivethe Struggles Of A Business Attempting To Endure.
Many thanks to everybody that took the time to respond to my last blog post. I would love to react to a few of the comments, because, well, even if. Thing first: my AdWords campaign, as it is configured today, functions extremely, extremely well. It creates inquiries, which we develop into paying customers. The average inquiry we get by means of phone as well as email returns regarding $3,450 in income. And my total AdWords investing is less than 5 percent of my yearly earnings, which I take into consideration to be acceptable. So all of the recommendations to adjust this and also alter that as well as explore the various other is intriguing, but I may or could not change anything. It ain't damaged. I don't need to fix it. I made use of to run on the content network, but we got massive numbers of junk hits that were related to searches for sporting activities conferences and also yes, I know that I might have cleaned up that up with adverse key phrases, but that's an endless task. My total advertisement invest runs around $9,000 a month, or regarding $108,000 a year. We're on track for $2 million in sales this year, which is where I got the 5 percent of gross number. On to the comments: Im curious, have you thought about anything year over year in your calculations or anything else various other than just what your average has been this set separated week as compared to the previous 40 weeks approximately of information that you had assembled? Mark Bowers Its a very interesting question yet a pitifully small example after which to even think about composing and also analysis. Bob For the last 24 years, I would certainly acquire a paper schedule at the start of the year, as well as utilize it to tape consultations as well as likewise make note of incoming calls. I made a decision at the start of this year that I desired a much far better record of inbound calls, to see whether any patterns emerged. I set up a spread sheet on Google Docs, with a cell for every day of the year, and shared it with my sales people so that we might all tape every incoming query. A lot of the telephone calls we get result in tasks weeks or months later. And also some of the phone calls result in actually significant orders I would certainly despise to miss out on one of those since I was amassing a statistically substantial data set. For something as visual as your product, I avoid right down to the image results. I could see numerous firms tables all at once. Just one little photo on page two, surrounded by multiple pictures from your rivals (Franz, hardrox). I do not recognize exactly how Google places the pictures they turn up. I simply attempted a search (" personalized conference tables") which returns my website as both the top paid as well as complimentary listings. Possibly Google is missing out on an opportunity right here why not expand AdWords to the picture results? I seldom click AdWords results at either the top or side since I recognize Google is going to get paid by what is usually a local business with slim margins ... So if the ad seems pertinent to my requirements Ill scroll down as well as click on the totally free search result for the exact same firm, and even by hand kind in the companys URL rather than clicking on the adword link. Id miss out on a lot of business without the Adword link. MK, New York City Just what do you do if there is no totally free link from the company buying AdWords? I'm presuming that you click a person else. I purchased that top link so that you would click it if you assumed it would profit you to do so. My business was one of Googles initial marketers. Regarding 2 years ago, we cut down our AdWords budget plan by 80% as well as simply focused on phrases that brought visitors to our purchasing cart. We were nervous about just how Google would react, however our experiment functioned. Our sales did not decrease and our natural listings did not endure. https://www.youtube.com/watch?v=1fJR2oLT8nY&list=PLddX_cIorQS_Mw7YX8LHMwenOI7OrKo-K Steverino This commenter highlights one of the best/worst attributes of the complimentary listings: older web links have a self-reinforcing benefit over more recent ones. I weep when I take into consideration the top totally free listing for "boardroom tables" that I thoughtlessly threw out in 2005 (by producing a new Web site with a various collection of Links.) When you obtain to the top of the complimentary load, you are more than likely to remain there, as you will instantly obtain even more clicks than the succeeding links. My concept, and also my experience backs me up on this, is that the finest means to move your free connect the listing is to drive website traffic to it with AdWords and show Google that individuals are finding the link to serve through a great bounce rate, time on site and other metrics that reflect the user experience. Just how does an S.E.O.-optimized site displace a site that additionally has great S.E.O.? AdWords appears to supply the extra increase. One referral (as somebody that invests in domain for a living) is that you update to CustomConferenceTables.com as opposed to using the domain with hyphens ... The business that owns the name w/o hyphens is a huge business and the rate is inexpensive, particularly considering the products youre selling and your present marketing expense. Eliot Silver We got the URL with the hyphens because it was offered, as well as my Internet designer thinks that it makes no distinction concerning the S.E.O. stamina of the name. I decided not to do the deal I do not really believe that owning that particular LINK is crucial, as customconferencetable.com is had by a 3rd company, and most of the various other noticeable variations are in various hands. I have faith in my site's web content and my sales process. UShapedTable.com UShapedTables.com SquareConferenceTable.com CustomBoardroomTable.com CustomBoardroomTables.com All are available. Acquire them as well as ahead them to the website. John I took the $800 I really did not invest in customconferencetables.com and bought these rather. I will certainly be forwarding them to the relevant web pages on our site. Many thanks for the idea! Paul, like many individuals Ive long given that switched to Bing. Have you tried your search terms there? lesle. Given that Sept. 1 of this year, I received 4,287 natural brows through from Google as well as 3,019 gos to from AdWords. Is it possible that Google suppresses Bing results in Google Analytics? That would be quite questionable, but who is bookkeeping Google Analytics for accuracy? This will certainly put chance control bands around the data as well as provide some analytic insight, including cyclicality results. It will additionally aid different signal from sound in the outcomes. I'm not clever adequate to do this, yet any person who wants to attempt it rates to my raw data. When it involves paid ads affecting a companys ranking in the organic outcomes, weve constantly really felt really strongly that there ought to be no link in between both. Google does not utilize your status as a marketer to influence organic positions. Frederick Vallaeys, Google AdWords Evangelist. Hence speaketh Google. However till Google informs us exactly just what elements go into making organic positions, I'll have my doubts about their bright line splitting up in between AdWords as well as organic. Enough on this topic (at the very least for currently). Next post: my falling medical insurance prices! Paul Downs started Paul Downs Cabinetmakers in 1986. It is based outside of Philadelphia.
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How I'm Living Rent-Free in the Most Expensive City in America (Using House Hacking!)
As co-host of the BiggerPockets podcast, I have the privilege of speaking with successful investors on a weekly basis. Brandon Turner and I dive deep into their stories and noticeable patterns tend to emerge. Among many of those who have seen success, theres a common denominator: they got their start house hacking. What is House Hacking? House hacking can be done in many ways, but at its core, its the concept of buying a property to live in while using part of it to generate income. Depending on where you live, there are different opportunities, strategies, or techniques to execute this concept. What wont change, however, is the impact it can have on your financial life and the doors it can open. Namely, its a way to ease yourself into the world of real estate investing. A House Hacking Success Story In addition to hosting the podcast and investing, Im a real estate agent. Id like to share one of my clients success stories. One day Ryan Meinzer heard Brandon and me talking about house hacking on the podcast. He decided to do what many others do not: take action. After calling to let me know about his plan, Ryan and I went to dinner. We broke down his goals, his strategy, and his understanding of what he was trying to accomplish, which was to buy a property in uber expensive San Francisco without having to pay through the teeth for it. That conversation became the first step on a journey that would ultimately lead to Ryan finding a massive deal, adding big value to it, and living for somewhere between cheap to free in the most expensive city in the country. Think this is all hype? Not for Ryan, it wasnt! His determination, intelligence, and can-do attitude led to him hitting a home run on his first try. To make it even better, Ryan has agreed to open up his playbook and share a lot of what he did to make this possible. The following is Ryans account of his story, his thought process, and his ultimate success finding a property that paid for him to live in the city he loves. It was a move that simultaneously opened the door for more deals, more wealth, and more real estate! So, if youve ever been thinking about house hacking yourself, learn from and be encouraged by Ryans journey!
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Living Rent-Free in the Most Expensive City in AmericaAn Investor Tell-All by Ryan Meinzer My story isnt unique. All thats unique is that I finally put my mind and money where my mouth was. Its what enabled me to live rent-free where I left my heart: San Francisco. Ill first share the house hacking process by which I accomplished financial freedom through real estate. Then, Ill provide an overview of how I found the rare deal I knew my agent David Greene and I could win in one of the most competitive real estate markets in the world. After dumping money into thin air (rent) for 15 years, I decided that enough was enough.I set the goal of living rent-free through real estate. How? By house hacking, which to me meant making the sacrifice to live with others at age 35, in order to have them pay my mortgage. I had heardDavid on theBiggerPocketspodcast talk about this concept time after time. Theres no complicated financial algorithms involved in the process. The idea is to find a place you can afford to buy where the rent you can charge your roommate(s) will exceed your mortgage. In San Francisco, this is not too difficult. Rents are the highest in the nation, and demand is through the roof. House hacking inherently requires sacrifice. It could be sharing a bathroom, wall, and/or kitchen with a roommate. In my case, it was all three. I began by utilizing some of the principles of BRRRR, retrofitting an open living room into a private bedroom. These are definitely first world problems, but sacrificing a bit of privacy required a big mind shift for me, as I had been so used to living in studios (and living with OCD) for the past 10 years. I got over it within a few months by letting go of full control, which turned out to be quite liberating. Who would have thought sharing a toilet with someone would be a blessing in disguise? Many investors have rigid perspectives about real estate. They believe a property is either an investment property (rental) or a luxury expense (primary residence). House hacking allowed me to take a luxury and make it a sound investment, combining both worlds and growing my net worth considerably in the process. If you look at the return on investment (ROI) on my down payment and consider how much money Im saving a month on my previous living expensesnot to mention factor in principle reduction and tax savingsit becomes crystal clear this move not only allowed me to live where I want, it was also an amazing investment of capital. Time was my most valuable asset in finding the deal. I gave myself a full year to research the market and prepare my finances accordingly.From living in the city for five yearsand renting out five apartments on Airbnb, I knew every pocket of San Francisco fairly well, along with its respective rent yields. What I didnt know was how competitive the market to buy was and how exactly to win deals. Unsurprisingly, I vastly overestimated the number of house-hackable properties there were available. I also quickly realized that only millionaires orDINKs (double income, no kids) were winning deals on such properties. They did so by offering upward of 20 percent higher than the propertys asking price. As a single guy who wasnt a millionaire, how could I be competitive in that market? I needed more than money. Finding a deal for me meant finding a very rare type of property in San Francisco, one categorized as tenancy in common (TIC). In short, a TIC property is owned through a legal partnership by individuals. Those individuals then have a separate agreement to designate which areas/units of an entire building are owned and occupied by whom. As TICs are unconventional, they require non-conventional financing (as opposed to conventional mortgage loans)offered by merely a few banks with extremely strict underwriting requirements, including exceptionally high down payments and credit scores. This makes TICs drastically harder to finance/buy and thus reduces the sellers price by as much as 20 percent below the market compared to a standard condominium. Voil! If I could finance a TIC at asking price, I could afford it. Plus, the majority of the competition would be weeded out, unable to bid.
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Now all I had to do was save, build my credit, and find a TIC. So, over the course of a year, I saved by reducing my spending as much as possible andbuilt my credit by all the standard means. Although it took David and I nearly six months to find my TIC, it proved to be the easiest part. We were laser-focused on finding a niche property with non-conventional financing that was outside of nearly everyones scope. Its easy to question this complex process and worry about what could go wrong. Its no coincidence that I waited a year and did a ton of research before feeling comfortable. As he mentioned previously, prior to moving forward, I met withDavid to go over my strategy, look at potential hiccups, iron out some smaller details, and make sure I understood the contracts and due diligence involved in the sale. I think this is an important step in covering all your bases. But now that Ive done it, I encourage everyone to house hack if they can. I also recommend they find someone familiar with the process who can look over their plan and address any issues they might have missed. In real estate, its what you dont know that can hurt you. So, having a professional set of eyes look over your deal is a great way to reduce your risk. Its also free if youre the buyer! Currently, I live happily ever after in my favorite city in the world by having roommates pay my mortgage. I won the rare property deal I found through research, time, and fiscal responsibility. Im currently in the process ofconverting my TIC into a condo, a move that will cause it to appreciate by up to 20 percent overnight. Its a value add that will take this deal from great to super greatbut thats a blog post for another day. What I Love About Ryans Journey Its me again, David, with my final thoughts on Ryans journey. Ryan didnt just hear about a cool strategy and sit on it. He immediately reached out and started taking steps to act on it. When problems came up during escrow (which they always will), Ryan didnt let it deter him or make excuses to quit. Instead he systematically broke down each hurdle into smaller obstacles, and we put our heads together to determine the best way to overcome them. Ryan looked forways to make the deal he found happen, as opposed to looking elsewhere for one so easy he wouldnt have to think. If youve ever wanted to own a home but didnt want to acquire the mortgage that comes along with it, I encourage you to consider this strategy! Real estate investing is all about building wealth through investment properties, and there are many creative ways to do just that. Thirty years from now, Ryan will own a multi-million dollar asset that has been paid off by his tenants and generates strong, healthy cash flow every month. By taking advantage of his resources today, hes securing himself a better tomorrow.
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Could you be doing the same? If you dont think a house hack is for you, which other method of investing would you be willing to try? Let me know in a comment below. https://www.biggerpockets.com/blog/house-hacking-case-study
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