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Posted

An FYI for anyone springing for a new roof - if you can afford it, look at getting the new grade 4 shingles that are available. They have the same impact resistance as metal roofs but are not as expensive. The Malarkey ones we installed are still pricey but we got over a 33% reduction in our insurance premium because of them. It highlights just how much hail & roof replacement is affecting insurance costs here in Texas.
 

Also note that some of the insurance customer support people aren’t aware of the discount - the rep I talked to said it wouldn’t matter but gave me the form to submit anyway. After submitting the documentation, the insurance company came back with the reduced cost. 

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Posted
5 hours ago, smokebomb said:

An FYI for anyone springing for a new roof - if you can afford it, look at getting the new grade 4 shingles that are available. They have the same impact resistance as metal roofs but are not as expensive. The Malarkey ones we installed are still pricey but we got over a 33% reduction in our insurance premium because of them. It highlights just how much hail & roof replacement is affecting insurance costs here in Texas.
 

Also note that some of the insurance customer support people aren’t aware of the discount - the rep I talked to said it wouldn’t matter but gave me the form to submit anyway. After submitting the documentation, the insurance company came back with the reduced cost. 

image.gif.e35f824f8b91d67000d0c8a3713262ef.gif

What a weird branding choice.  

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Posted
8 hours ago, smokebomb said:

An FYI for anyone springing for a new roof - if you can afford it, look at getting the new grade 4 shingles that are available. They have the same impact resistance as metal roofs but are not as expensive. The Malarkey ones we installed are still pricey but we got over a 33% reduction in our insurance premium because of them. It highlights just how much hail & roof replacement is affecting insurance costs here in Texas.
 

Also note that some of the insurance customer support people aren’t aware of the discount - the rep I talked to said it wouldn’t matter but gave me the form to submit anyway. After submitting the documentation, the insurance company came back with the reduced cost. 

I had my roof replaced last year, and even though I got the upgraded shingles and the waterproof membrane on my entire roof instead of just the valleys, it turns out the plywood that was installed decades ago was not thick enough to meet the fortified roof standard, and it would have cost a fortune to replace every sheet of plywood on my roof to get the fortified certification that reduced my homeowners premium.  

 $4K for ins, but in New Orleans that is a bargain.

 

 

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Posted
On 5/23/2025 at 3:04 PM, Slacks said:

Increasing Insurance costs and the increasing likelihood of flooding in Houston is what is going to drive me to move. I've thought about where to go next... I'm going to miss Houston. 

You shouldn't. Miss Houston, that is...

Posted

Probably won't apply to a whole lot of you (maybe some of your kids) but UWM has rolled out 5/1 ARMs for FHA and VA that run about a point lower than standard 30 years.  Buzz me if you want me to take a look at some numbers for you/your kids/your sugar baby

Posted

so, some of y'all will recall that I built a studio on my property that I rent furnished, mostly to travel nurses.  I've had two non-nurses, one IBEW apprentice lineman that was serving a segment of his apprenticeship here locally for 6 months or so, and my current tenant is a civil engineer that is working as a consultant at the nearby desalinization plant. He's leaving soon, so I'm advertising again.  I just got a phone call from an unknown number, and I've had a couple beers, so I didn't answer.  I then got a text asking if I had the unit for rent.  I'm leery as to who is asking, so I always say I have other interested parties (true), etc.   

I asked the text person "what's your situation?"    Here's the response.

I am in a home that I have to get out of. It is full of mold two of the world‘s deadliest molds, and it’s affecting me with my epilepsy and paralysis and affecting my dogs with their losing hair not eating, not having bathroom movements and we are just stuck in one room, which I am controlling the air quality in this room and down to the bathroom for the dogs then right back upstairs so I need to get out. They they currently have an eviction notice on me but we have a Escondido city of court compliance that states that this house is in inhabitable and they have to pay for me to be relocated and cannot charge me with any offense due to that relocation so that will take care of the eviction. My attorney say will take care of all that and then they will have not just one but two cases against them. One would be the mold which their lawyer was even kind of aware of it and actually put it in writing that there possibly was a mold hazard, and then also the pain and suffering, and the damage is done to me and my pets along with me falling down the flight of stairs And breaking multiple bones in my foot and in my knee and other cases that are being brought up to the mold testing  but right now I just need to get out. I need to find a place where I can have fresh air for me for my dogs for them to feel comfortable and not just in a cocoon and be able to move around. They are on leashes at all times, but if you did have a like a fenced in area, they would love something like that, but that’s what they were used to when we lived in Maryland, but since we moved back to California they’ve been always unleashes and I do have a daughter that lives here and like I said a son and another daughter who lives in For Huachuca, Arizona so a lot of family here and a lot of very close friends. I worked on Camp Pendleton for six years as paralegal so I am 17 years with paralegal and legal officer in the military and working for the military so I am on my way to get my degree.

 

So, what's the board's consensus?  Sounds like a dream tenant, right?  Right?  

 

 

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Posted
14 minutes ago, Gil Bang said:

so, some of y'all will recall that I built a studio on my property that I rent furnished, mostly to travel nurses.  I've had two non-nurses, one IBEW apprentice lineman that was serving a segment of his apprenticeship here locally for 6 months or so, and my current tenant is a civil engineer that is working as a consultant at the nearby desalinization plant. He's leaving soon, so I'm advertising again.  I just got a phone call from an unknown number, and I've had a couple beers, so I didn't answer.  I then got a text asking if I had the unit for rent.  I'm leery as to who is asking, so I always say I have other interested parties (true), etc.   

I asked the text person "what's your situation?"    Here's the response.

I am in a home that I have to get out of. It is full of mold two of the world‘s deadliest molds, and it’s affecting me with my epilepsy and paralysis and affecting my dogs with their losing hair not eating, not having bathroom movements and we are just stuck in one room, which I am controlling the air quality in this room and down to the bathroom for the dogs then right back upstairs so I need to get out. They they currently have an eviction notice on me but we have a Escondido city of court compliance that states that this house is in inhabitable and they have to pay for me to be relocated and cannot charge me with any offense due to that relocation so that will take care of the eviction. My attorney say will take care of all that and then they will have not just one but two cases against them. One would be the mold which their lawyer was even kind of aware of it and actually put it in writing that there possibly was a mold hazard, and then also the pain and suffering, and the damage is done to me and my pets along with me falling down the flight of stairs And breaking multiple bones in my foot and in my knee and other cases that are being brought up to the mold testing  but right now I just need to get out. I need to find a place where I can have fresh air for me for my dogs for them to feel comfortable and not just in a cocoon and be able to move around. They are on leashes at all times, but if you did have a like a fenced in area, they would love something like that, but that’s what they were used to when we lived in Maryland, but since we moved back to California they’ve been always unleashes and I do have a daughter that lives here and like I said a son and another daughter who lives in For Huachuca, Arizona so a lot of family here and a lot of very close friends. I worked on Camp Pendleton for six years as paralegal so I am 17 years with paralegal and legal officer in the military and working for the military so I am on my way to get my degree.

 

So, what's the board's consensus?  Sounds like a dream tenant, right?  Right?  

 

 

Sent from my iPhone

I reply very late to these kinds of texts.  

Posted
37 minutes ago, Gil Bang said:

so, some of y'all will recall that I built a studio on my property that I rent furnished, mostly to travel nurses.  I've had two non-nurses, one IBEW apprentice lineman that was serving a segment of his apprenticeship here locally for 6 months or so, and my current tenant is a civil engineer that is working as a consultant at the nearby desalinization plant. He's leaving soon, so I'm advertising again.  I just got a phone call from an unknown number, and I've had a couple beers, so I didn't answer.  I then got a text asking if I had the unit for rent.  I'm leery as to who is asking, so I always say I have other interested parties (true), etc.   

I asked the text person "what's your situation?"    Here's the response.

I am in a home that I have to get out of. It is full of mold two of the world‘s deadliest molds, and it’s affecting me with my epilepsy and paralysis and affecting my dogs with their losing hair not eating, not having bathroom movements and we are just stuck in one room, which I am controlling the air quality in this room and down to the bathroom for the dogs then right back upstairs so I need to get out. They they currently have an eviction notice on me but we have a Escondido city of court compliance that states that this house is in inhabitable and they have to pay for me to be relocated and cannot charge me with any offense due to that relocation so that will take care of the eviction. My attorney say will take care of all that and then they will have not just one but two cases against them. One would be the mold which their lawyer was even kind of aware of it and actually put it in writing that there possibly was a mold hazard, and then also the pain and suffering, and the damage is done to me and my pets along with me falling down the flight of stairs And breaking multiple bones in my foot and in my knee and other cases that are being brought up to the mold testing  but right now I just need to get out. I need to find a place where I can have fresh air for me for my dogs for them to feel comfortable and not just in a cocoon and be able to move around. They are on leashes at all times, but if you did have a like a fenced in area, they would love something like that, but that’s what they were used to when we lived in Maryland, but since we moved back to California they’ve been always unleashes and I do have a daughter that lives here and like I said a son and another daughter who lives in For Huachuca, Arizona so a lot of family here and a lot of very close friends. I worked on Camp Pendleton for six years as paralegal so I am 17 years with paralegal and legal officer in the military and working for the military so I am on my way to get my degree.

 

So, what's the board's consensus?  Sounds like a dream tenant, right?  Right?  

 

 

Sent from my iPhone

You, too, can soon join that exciting hobby of hiring defense attorneys…

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Posted
9 hours ago, Gil Bang said:

so, some of y'all will recall that I built a studio on my property that I rent furnished, mostly to travel nurses.  I've had two non-nurses, one IBEW apprentice lineman that was serving a segment of his apprenticeship here locally for 6 months or so, and my current tenant is a civil engineer that is working as a consultant at the nearby desalinization plant. He's leaving soon, so I'm advertising again.  I just got a phone call from an unknown number, and I've had a couple beers, so I didn't answer.  I then got a text asking if I had the unit for rent.  I'm leery as to who is asking, so I always say I have other interested parties (true), etc.   

I asked the text person "what's your situation?"    Here's the response.

I am in a home that I have to get out of. It is full of mold two of the world‘s deadliest molds, and it’s affecting me with my epilepsy and paralysis and affecting my dogs with their losing hair not eating, not having bathroom movements and we are just stuck in one room, which I am controlling the air quality in this room and down to the bathroom for the dogs then right back upstairs so I need to get out. They they currently have an eviction notice on me but we have a Escondido city of court compliance that states that this house is in inhabitable and they have to pay for me to be relocated and cannot charge me with any offense due to that relocation so that will take care of the eviction. My attorney say will take care of all that and then they will have not just one but two cases against them. One would be the mold which their lawyer was even kind of aware of it and actually put it in writing that there possibly was a mold hazard, and then also the pain and suffering, and the damage is done to me and my pets along with me falling down the flight of stairs And breaking multiple bones in my foot and in my knee and other cases that are being brought up to the mold testing  but right now I just need to get out. I need to find a place where I can have fresh air for me for my dogs for them to feel comfortable and not just in a cocoon and be able to move around. They are on leashes at all times, but if you did have a like a fenced in area, they would love something like that, but that’s what they were used to when we lived in Maryland, but since we moved back to California they’ve been always unleashes and I do have a daughter that lives here and like I said a son and another daughter who lives in For Huachuca, Arizona so a lot of family here and a lot of very close friends. I worked on Camp Pendleton for six years as paralegal so I am 17 years with paralegal and legal officer in the military and working for the military so I am on my way to get my degree.

 

So, what's the board's consensus?  Sounds like a dream tenant, right?  Right?  

 

 

Sent from my iPhone

Setting the text content aside, I wouldn’t want to associate myself with someone that sends that much info in a text.

honesty I’m on the fence about blocking you on surly for pasting that much crap 😀

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Posted
11 hours ago, Gil Bang said:

so, some of y'all will recall that I built a studio on my property that I rent furnished, mostly to travel nurses.  I've had two non-nurses, one IBEW apprentice lineman that was serving a segment of his apprenticeship here locally for 6 months or so, and my current tenant is a civil engineer that is working as a consultant at the nearby desalinization plant. He's leaving soon, so I'm advertising again.  I just got a phone call from an unknown number, and I've had a couple beers, so I didn't answer.  I then got a text asking if I had the unit for rent.  I'm leery as to who is asking, so I always say I have other interested parties (true), etc.   

I asked the text person "what's your situation?"    Here's the response.

I am in a home that I have to get out of. It is full of mold two of the world‘s deadliest molds, and it’s affecting me with my epilepsy and paralysis and affecting my dogs with their losing hair not eating, not having bathroom movements and we are just stuck in one room, which I am controlling the air quality in this room and down to the bathroom for the dogs then right back upstairs so I need to get out. They they currently have an eviction notice on me but we have a Escondido city of court compliance that states that this house is in inhabitable and they have to pay for me to be relocated and cannot charge me with any offense due to that relocation so that will take care of the eviction. My attorney say will take care of all that and then they will have not just one but two cases against them. One would be the mold which their lawyer was even kind of aware of it and actually put it in writing that there possibly was a mold hazard, and then also the pain and suffering, and the damage is done to me and my pets along with me falling down the flight of stairs And breaking multiple bones in my foot and in my knee and other cases that are being brought up to the mold testing  but right now I just need to get out. I need to find a place where I can have fresh air for me for my dogs for them to feel comfortable and not just in a cocoon and be able to move around. They are on leashes at all times, but if you did have a like a fenced in area, they would love something like that, but that’s what they were used to when we lived in Maryland, but since we moved back to California they’ve been always unleashes and I do have a daughter that lives here and like I said a son and another daughter who lives in For Huachuca, Arizona so a lot of family here and a lot of very close friends. I worked on Camp Pendleton for six years as paralegal so I am 17 years with paralegal and legal officer in the military and working for the military so I am on my way to get my degree.

 

So, what's the board's consensus?  Sounds like a dream tenant, right?  Right?  

 

 

Sent from my iPhone


 

Respond with this:

 

1rzgZOjqLmDQli0IkthyUYJ370IOP0c1aHi1HGWI

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