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RI Builder

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Posts posted by RI Builder

  2. Florida HOA's

    in Boating and Fishing Discussion

    Posted

    What they are doing to you is pure BS based on that reading. You may want to oolitely remind them that they can be held personally liable for their "mis-interpetation" of the HOA restrictions.

    I live in one of my own sub-divisions that is subject to an HOA - well, all but one lot :1992_beer_cheer:

    Care to guess which lot is exempt :)

  11. Recent outboards

    in Boating and Fishing Discussion

    Posted

    I think it is a combination of things.

    I think all the brands have come a long way with theri products. However, at the same time, I think we are seeing people move away from outboards for efficiency and technology reasons.

    Although the sample size is small, I know of several people that have switched from outboards to single diesels for efficiency. At the same time, I know of plenty that have switched to gass inboards because they are less technologically advanced and people do not need to call MIT when they need service.

    Just my casual observations on the matter.

  14. Deadliest Catch

    in Boating and Fishing Discussion

    Posted

    I am still trying to figure out why they would talk about the tarp at the dock, and then wait until they got out to sea to put it out. I am sure there is a reason, seems like they would be explaining it.

    When I was about 17 I was working for a roofer. We were doing a new construction job, but some materials where delivered that could not get wet. At the end of the day, the owner told us that if it looked like the forecasted storms were going to materialize, he would call us to come put the tarps on. Later on we got the call, and as we got there the skies opened up with T storms, hail, wind etc. Watching 5 of us try to put a tarp on the roof would have been prime youtube material I am sure. Two of us fell off the roof (including me), another fell, was sliding off and fell through a skylight opening, and one of the tarps ended up blowing away to god knows where.

    In the end, the owner siad to us, you know we should have covered the roof before we left, or we should have roofed the section that was covering the area where the materials were stored.

    I recon this to what the Wizard did - it made absolutely no sense, but nobody questioned it at the time.

  15. Deadliest Catch

    in Boating and Fishing Discussion

    Posted

    Another great show last night. I realize it is easy to arnchair QB, but really, did Capt. Keith honestly think his crew would be able to deploy the tarp in those conditions? All I could picture was a giant spinnaker being deployed.

    Glad everyone turned out safe, but to me the Wizard really seems to push the envelope sometimes.

  23. Tree cutting

    in Boating and Fishing Discussion

    Posted

    Back your pickup truck up to the tree and put a ladder up there and tie off your rope as high as you can. Should be high enough.

    As someone else said, you aren't really pulling the tree down, just need a little tug -- the main job is accomplished at the butt of the tree.

    Good luck!

    Famous last words :2261_high:

  24. Home Mortgage

    in Boating and Fishing Discussion

    Posted

    http://reelboating.com/forums/?showtopic=1439

    If you can carry the mortgage by yourself, you should apply that way given the credit scores. Otherwise, the lenders will risk adjust your rate based on her credit score.

    Your 15 years with Chase means nothing. Ask for referrals in your area for a quality mortgage broker. Be prepared when you speak to them that you know the process. Present them with the following in a neat fashion.

    Your full name

    Current address and lenght of time at this address

    SSN

    Place of employment - for at least the last two years (show a full two years worth of work history if more than one employer)

    Years at place of employemnt

    Title at place of employment

    Monthly Gross salary

    Copies of your most recent paystubs for two months

    Copies of your last two years W2's (assuming you are not self employed)

    Copies of your last three months bank statements - all accounts. Be prepared to explain any deposits that do not fit your employment and credit profile

    A listing of your known obligations and monthly payment (car loans, student loans, etc.) This will be firmed up with the credit report, however, if you present it now you will show you know the process

    The above will get the process kicked off in a smooth fashion.

    In this market, with a 745 score, you should be looking at a rate of 4.75% - 4.875% with zero points.

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