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Can someone help me with this?

Discussion in 'Permanent Threads' started by sublime, Oct 20, 2009.

  1. Disgustipated

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    There's not enough information here to state anything conclusively. And to do that, you need someone to go through all the actual documents. That being said, anything that looks too good to be true usually is. With lenders, even more so than usual.

    I don't know what terminology is used for these in the US, but look for things like "deferred establishment fees" and "exit fees".

    The first is a fee they charge you for setting up the facility, but they don't get you to pay (ie defer it) on the basis of you staying with them. Often, they'll refer to a formula or sliding scale that if you close the facility before a certain time period, you have to pay a proportion of that establishment fee.

    The second is simply a fee they charge you when you pay out the facility.

    If you're intending to stay where you are for a long time, these sorts of things don't usually present a problem. But, if you're looking to sell the property or refinance (unlikely if it's a good deal), you'll get hit with them if they're there.

    Lastly, when a lender fixes interest rates for a term it means they've made a prediction on what they expect will happen over that time and added a margin for profit. If rates stay above that, you win. If they drop, you're paying a premium. Then (at least here), you're locked in unless you pay a break fee to renegotiate the rate. That fee equates to the cost the lender bears in lost interest because they've bought the funds at the fixed rate. In other words, generally not worth it.
     
  2. shabamon

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    I agree with the poster who already responded. No manager is going to hire you for two weeks, anyway. Just enjoy the free time.

    Now, it's not farfetched to work your big boy job and have a part time bartending gig on the side. I do it. I have a full-time salaried job and I also bartend 1-2 nights a week at a chique Japanese restaurant. It can be done, and it is a fun escape from the mundane, confined atmosphere I sometimes feel at my day job.

    Do you have serving experience? Managers I've worked with in the past are much more open to training someone to be a bartender if they already have serving experience. If you don't, offer to be a server but also be honest that you want to work your way up to being a bartender. Bartenders often must also be servers, but servers are very rarely bartenders, so bartenders tend to have more tools in their skillset. If the establishment is a high-volume place that stays open late, definitely offer to barback. You'll at least be behind the bar so you'll see first-hand how bartenders manage their time and deal with customers. You will probably be asked to help out with making basic drinks and beer. I think barback is the faster track to being a bartender than serving.
     
  3. Pink Candy

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    I can't believe I'm actually asking for help on this.

    I need to book a flight. Stay with me on this, because it's going to get confusing.

    In August, Mr. Pink and I are planning a trip to NJ. We need a flight from WA to Newark.
    However, after our NJ trip, I need to make a detour down to Atlanta while he flies back to WA. So, we'd need the same flight to Newark but different flights on different days back to WA.

    I seriously have never booked a trip like this. Can someone tell me how to go about this? Yes, I know how retarded I sound.

    Thanks a bunch.
     
  4. Frebis

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    You have to book both tickets seperatly. On the one going through Atlanta book it using a multiple destination ticket. There should be a check box for that somewhere on the search screen.

    call the airline afterward and get your seats moved next to each other. For this you will need the confirmation numbers (6 digit alpha numeric code on ticket).

    You may also want to consider different destinations, because all three of those places suck a fat one.
     
  5. zzr

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    I wouldn't mess around with calling the airline. Just book your tickets online and choose the seats you want when you buy the ticket. Delta's website is excellent for travel planning, plus their main hub is in Atlanta, so you can probably pick a flight that goes through there anyway. Expedia is a good tool for comparing flights too. Be sure your frequent flier account is up to date when before you make the reservation. It's much easier than trying to get credit after the trip, and those are long flights you want to be sure are credited to you.
     
  6. Frebis

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    Continental Operates a direct flight from SEA-EWR for around $200 one way. Unless you have status with Continental they will only let you pick middle seats, meaning you will have to call and have the seats moved.

    Flying Delta is assinine, unless you enjoy illing in Detroit or Minneapolis.

    On the way back you may want to fly Delta. If you only have to be in Atlanta for a day, you could try to set up a single flight from EWR-SEA with a stop in ATL. And if you do it right, you can be on the first flight in and the last one out. Thus you would only have to buy one ticket on the return.
     
  7. Spoz

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    I'm looking for a machinist to make five Iron rings for graduation gifts to myself and a few friends. Stainless steel and unfinished. If you can, or know someone who can, please PM me a quote. All rings would be different sizes and CAD drawings or sketches can be provided if necessary.
     
  8. Dread

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    I'm Christmas shopping for my wife.

    Yes, I start early. I'm good like that.

    She reads and starting with Darkly Dreaming Dexter, I want to buy her the Dexter series. The problem is that she prefers paperbacks and I can't find a copy of the book that does NOT have Michael C. Hall on the cover. This is what I want:

    [​IMG]

    Does anyone know where I can find a new copy of the book? I'm willing to settle for a used copy that LOOKS new, but I'm giving this as a gift, so a visibly used copy is not an option. I've searched the usual websites, but I can't pinpoint this exact version.

    Thank you in advance.
     
  9. mad5427

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    Try the following:

    http://www.abebooks.com

    It essentially is a search engine for bookstores throughout the US. You can find damn near anything on there in any condition. You shouldn't have too much of a problem.

    Edit: Just did a quick search on there and you can see by the covers that it is there and should only cost a few dollars.
     
  10. Gramercy

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    Headache

    For the past couple of days I've been feeling really exhausted and kind of out of it. I feel really lightheaded like I'm severely dehydrated, or hungry, or something like that but I'm not hungry or thirsty. When I wake up in the morning I feel hungover (and I haven't been drinking) and just feel like sometimes I may pass out. Has anyone felt like this before? This happened to me a couple of months ago but it randomly went away, and now it's back. I've been getting enough exercise and eating relatively healthy, and I don't feel sick besides the stuffy head feeling. I don't even know how to go to the doctor and complain about it because it's such a vague feeling.

    I was thinking that it may be depression, but I don't know if that's a logical explanation.
     
  11. tempest

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    Re: Headache

    Go to the doctor, tell them exactly what you've said here. You'll probably have to deal with a few blood draws, nothing big. Sounds like anemia.
     
  12. Evildreams

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    I want to buy a new cell phone, hopefully one that doesn't cost a fortune, has wi-fi and it must be either a nokia or samsung. Any suggestions? I was thinking of either the nokia 5800 or the samsung B7610. However the 5800 looks too bulky, while on the other hand, the B7610 is a windows phone and I've heard a lot of criticism about windows. Any help would be appreciated!
     
  13. Politik

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    I'm seriously thinking about purchasing a couple of super cheap acres of woodland in Michigan. Anyone have experience with buying land in the US? Is this a retarded idea?
     
  14. iczorro

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    My ex-step-dad bought 10 acres in MN, just outside the Twin Cities. If he had improved the land in any way, it would have been a fantastic investment. As it ended up, he still made about $4k on it, three years later. Not shabby, but not what it could have been.

    If you're going to buy land, make serious efforts to make it better than it was when you bought it. A couple grand in improvements end up elevating the value exponentially. Otherwise, you might as well buy Microsoft.
     
  15. Politik

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    This land would be purely for camping/partying/being a badass purposes. Since taxes would be like $50 a year I would hold onto it.
     
  16. iczorro

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    Still, put in a well, a shack, a dock if there's a lake. Improve the land in some way. You're gonna sell it before you die, and you might as well make money on it after enjoying it to the fullest. Or if you keep it and pass it down, then the improvements will benefit you and the people you use the land with. There is no downside to improving land, unless you're super tight on cash, in which case, you shouldn't be buying it in the first place. You should be investing.

    Land isn't something you just buy. It's a project that can last as many years as you like.
     
  17. lust4life

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    Questions that comes to mind are, why is the property "super cheap?" Who is the seller? What is it adjacent to? How is it zoned? What kind of access do I have to it? Who owns the adjacent land? I'd do some research. Caveat emptor.
     
  18. Politik

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    The property is super cheap because Michigan has a ridiculous unemployment rate. Real estate is being sold at >$1,000 a house and bigger buildings are being sold for less than the price of the bricks they are made of.

    I'm looking for something along these lines: http://www.michiganacreage.com/temp...gan+Commercial&CFID=23040109&CFTOKEN=41223664

    To avoid buying landlocked property/land with presold mineral rights/area with high taxes/ridiculous pre-existing conditions I'd pay for a consultation with a real estate attorney.
     
  19. LessTalk MoreStab

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    It's only $2500, do it. In Australia your stamp duty on a comparable block of land would be more than that.
     
  20. WickedBitch

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    For those of you who have done any hiring:

    When filling out an online application, when I get to affirmative action section, does it benefit me to decline to answer either question (sex/race)? Alternately, does it hurt my chances if I decline? How much does it really matter? I mean, I don't mind answering it - I'm just not sure if I ought to.

    To clarify: I don't mean "Does it hurt my chances racially?" I mean "Is the hiring person going to form an opinion about my refusing to answer the question that might might cloud my ability to get the job?" Does that make sense?