All Forum Posts by: David Wurzel

@Henri Meli

OK  So your rationalization is that since "most people" work more than 40 hours a week and have not negotiated to get compensated for it then they can take whatever time they wish during work hours to take care of personal business.

Sorry, doesn't fly with me.

@Jesse T.

You're walking an extremely fine line by using flex time to your advantage.  And, to me, flex time is fine.  Come in at 10 instead of 9 because of time sensitive real estate interactions.  But, don't be taking a break every 10-15 minutes for it. 

Like I said, I've had these employees who have their cell phones glued to their ears or trying to text under their desks or bathroom breaks that are unnatural (really, 4 times an hour) that simply had to go.

It's dishonest and wrong.

@David Roberts

Finally, if you think you are being overworked and asked to do work beyond your 40 hour work week then step to me and maybe we can find a solution that includes either additional compensation or a time management class.

@Conway Churaman

Time for a life lesson.

First, save the drama and look at the facts.

I did exactly what you are contemplating (lived in NYC and looking to move to FL) exactly 24 years ago.

Sounds to me like someone needs a bit of time off.  So, take it.  In 11 years I am sure you have saved up some time off somewhere even working as a temp.  If all else fails sounds like you have some type of illness you could throw out there. (Just sayin')

Use the time off to take a good hard look at what it is you want to do.  Forget the BS about bad bosses, lost time, etc etc,

Your job is a business. Evaluate it as such. Because if you plan on getting into REI it's just the same thing. A business.

Did you say you had family in FL?  Great! Stay with them and use the $30K for a marketing budget for wholesaling.  But get ready for culture shock down here.  This is NOT a playground and finding a good job is NOT easy.  Get ready for a DRASTIC pay cut.

Since you are just moving here and from NYC your resume will be passed over in a heartbeat.  It took me over a year to find a half decent position because the first thing an employer is thinking is TRANSIENT.  I was flat out told that to my face.

Picking up and moving here is a HUGE thing to do.  NYC has millions of other jobs.  Take a look around, network, visit other agencies.

There are two sayings, "The grass is not always greener."  "A bird in the hand is better than two in the bush."  Check 'em out.

Sorry forgot to put

@Jen Shrock

Maybe try to search for umbrella or blanket loan info.

@David Roberts

I TOTALLY agree with you on that.

I have ALWAYS said that you are only given so much time on this floating rock and you don't know how much, so that is the most valuable thing we have.  Forget money, real estate, cars, houses, jewelry, etc.   TIME is the most valuable thing we have.

How about seller/owner financing?  Subject to, where you essentially take over the payments for the current note holder?

Poke around here and you will see other creative financing ideas.

How bad is your credit and your wife's?

Anyone is going to look at the risk involved.

You wouldn't be borrowing against their credit, they would be a cosigner/coapplicant and on the title/deed.

@Jay Hinrichs

OK Jay.  Which are you?  Pacino, Lemmon, Baldwin, Harris, Spacey?

LOL

@Jon Holdman

@John McConnell

To John McConnell, I agree with Jon Holdman.  Your post title asks about a mortgage but your content is asking about a basement duplex.

I'm confused???

@Chaim K.

First, you need to do much more research on what it is you are asking.  The question is way too broad.

A tax LIEN is essentially an IOU that you are buying from the government.  You are essentially loaning them money and they are giving you a lien.  You get that return back in either one of two ways.  Either another person comes in and pays the back taxes (lien) and the proceeds are turned over to you in the form of a return of your money plus interest, or the property goes to auction and you will outright be given the property if no one wishes to purchase it.  If someone does purchase it for the back taxes then the proceeds of the sale go to you to pay off the lien that you are holding.

The property goes to auction when you, as the lienholder,  apply for a tax DEED.  Applying for a tax deed doesn't mean that you get the property.  It just means you have held a lien for the proper time and now you want to get your money back, with interest.  The deed application triggers the property going to auction.  If the property sells for the back taxes, you get your money plus interest.  If it doesn't sell then you get the property.

This is the basics of liens and deeds.  Each state has a few different rules on this and you would need to research your state's rules.