Nice of you to say....star crash said:
Well, I tend to offer things sometimes expanded because many, of course, have different levels of knowledge and understanding, so, try and present so all can readily understand....GorillaGrower said:
No problem man.....
)
Well.......you can't teach common sense and logic...(I mean, no ones making money if they're "gone".....so.......)Pimpslapped said:
Well, you'll do what you want to do...but, I think a late quick round not a bad idea for anyone, anywhere, anytime.....can get some exposure, experience, ideas...familiarity, etc......lot of good could come to someone even from a small round of even a couple....
)
I really, as said, have quite limited breeding knowledge, as, never really exposure or use.....star crash said:
I would think most would think that offhand but then possibly overlook that while it might start earlier, it could finish longer (which of course wouldn't be known until it has been run), and I would also assume that while that might be a desired trait that one wishes to focus on, that mother could also carry undesirable traits (lower potency,resin, size,taste and quality issues, etc,.....)
As above.....might also just show earlier, etc...really couldn't say for sure either way but would assume a lot of other variables depending on goals and directions...
...Little documentation on true source of income, job, et, but, credit and a little cash...
1. Until you have a tri merge run (all 3 reports on one), or, check all 3, you really have no idea.......Common misconception most have.....cesartime said:
) You just never want to hit 30...because that will be reported (Actually, many creditors no longer report 30's.....only 60's and 90's...) (muttering.........call me on my fuckin cell in the middle of important things because I'm a day late on a fuckin bullshit little payment...) Also of note is that after "advising" them of such, shouldn't happen again .....With previous horrible credit 2k in cc debt, 1k, in school debt, 3k in medical debt, 1k in various other debts what is the quickest way to up ones credit score, if they have constant employment 2+ yrs and some decent verifiable income?
(Forgive dry responses btw......in a bad fuckin mood....)
1.As above...you really don't know what it is until you see it.....
2.Income and Employment have absolutely nothing to do with credit......(ie: someone could be unemployed with 100 bucks in pocket and have a superior score...)
Credit is the record of your history with creditors....
(I'm going to hold off on some things until later....)
3.Opening and maintaining a couple lines always helps....and, of course, staying straight on everything you currently have......
Above is only 7k......pay off?...Maybe NOT.....addressed next....
Okay........
1.Depends on how old they are......if they are old..(3-5+ years...) they will be coming off shortly and the more time that passes the better......
Plus, as above, at a certain point, depending on ones state, they become an invalid debt...due to statute of limitations.....
2.The mistake a lot of people make is actually paying things off, as that would bring the collection or charge off right back up..(yes, it would be reflected as paid, which is a good thing, but, as the same time, you are bringing activity on a collection current.
In many cases paying something off, etc, can actually hurt score more than help (Yes. True.)
3. If old enough...one may very well be able to score several credit cards regardless....and, again, building current, and, time passing on your negatives......
(See, again, a lot of people either do not know or understand.....the more time that passes, the less impact negatives have on score, and, current activities can make up and outweigh them, with negatives dropping off report eventually........)
Note: Sometimes, if lenders see something, they merely ask for a "Letter of Explanation".....(LOE).....Which might simply say "The negatives in a certain time period were due to an accident, out of work, etc"......
(Another thing most don't realize is how lenders look at reports.....many times older medical issues and collections are basically ignored......etc, etc..)
What a lender wants to see is home and auto....
ie: "Yeah, they guy fucked up on his credit cards and some medical, but, he kept straight on the house and car"...etc...They do look at these things when trying to get an idea of the picture....
4. The higher the amount of documentation one has, the better the rate one will receive. Period.
One could be unemployed with little cash and still obtain a mortgage (no documentation, no asset verification, no employment verifications....)
(The less you provide, the better the credit has to be and the worse the rate is....)
It's all about rate.....(Lenders risk/reward....)
Piece of Cake.
1.Find agent or mortgage broker (local), if agent (real estate) tell em your thinking about a purchase, would like to go nmo money down if they know someone, and, can they give you a referral to a lender they work with.
2. Tell mortgage broker your thinking about a purchase, not sure, depends on if you can, and, you really have no idea if you can or not, and, could they help (of course they can
3.Over phone, they can take info, pull credit (mortgages use "tri merge"...all 3 reports together on one format)
4. Ask for a copy, ideally go in and talk and have them explain it, and, you go from there. They should be able to tell you what is an issue, what is not, what you should address, or not (and, again, if old debts, they may also tell you don't worry, and, you should ask, because a lot of rookies might tell you pay, when, as above, it will hurt you actually...)
Very simple, very quick. Entire process should take 20 minutes...
Where you go and what you do from there all depends on what report(s) say....
Might also grab a couple card online and wait for bad stuff to drop off (they even have secured cards, so......ie: You send them 500, they issue you card for 500.....)
Hope I got the actual, questions and curiosities covered,...if not, assume you'll ask.....
It's all much simpler than people believe.....
Actually less. Furthermore, as you rise up (720-etc), rate also becomes lower....GorillaGrower said:
One could even form their own construction company (remember...just dba to open business account)....ie: property is 300....you negotiate to say 280, make offer 310......direct them that at close you want the credit from them to go to abc construction (which is actually you Lot of variations, but, if your doing no money downs, it's almost a certainty that lender would not allow cash back to you (they would apply it to loan, so...instead of your loan being 310...it would be 280 with the 30 back credited and numbers reworked....)I kind of see the point above and also several others......
(ie: extra money to contractor Yeah, I'm urban, so, not well versed on such things as someone/firm, etc that might be if rural..(might be 20 land programs more favorable than what I think or have heard of, BUT, chance are regardless they wouldn't be as favorable as no money downs (wheras a residence may be...)
Sure you can......as long as it's a cake you bought for yourself in the first place, and, give out a couple pieces of it to othersGorillaGrower said:
Yes and no....
WTF is going to lease an egg?
Depending on area, college towns can be fairly beneficial to your portfolio
(Just have to watch those little shits........housekeeping is a class they definately don't seem to take )You kind of lost me there.....if it's cheap, you don't build, you buy....
You see how that works.....better values of course for such a place.....
(economic problems=astounding values....I say 300-500k reasonable......for some, such 300k are mini mansions.....)2 eggs are always better than one so if you have an egg and can also have another egg, as long as you can take care of both eggs then have 2
(I don't like this direction........it's EGGxausting Well, I see a little better here...all comes down to what you want and need.....
Inside joke had a couple angles to it....new is yet another angle (there's 3 angles from 3 sources to that private joke
)))Yeah, except it's all real info that one really can use
))
