[teaboy]

[quote=sdrealtor]And the inflationary is not transitory now. If things go back down substantially we can say yes it was but for now its inflation. Only in the future can you make that claim. If prices dont pullback it wont have been transitory now wouldnt it[/quote]

“Transitory” inflation could mean one of three scenarios:
1.Prices rise and plunge.
2.Prices rise and stay where they are.
3.Prices rise and continue to rise, but more slowly.
https://www.globest.com/2021/08/25/when-transitory-inflation-really-means-dont-worry/#:~:text=Inflation%20has%20wreaked%20havoc%20on,apartment%20materials%20are%20no%20different.&text=%E2%80%9CTransitory%E2%80%9D%20inflation%20could%20mean%20one,to%20rise%2C%20but%20more%20slowly

[teaboy]

[quote=sdrealtor][quote=flyer]Have a friend who is a Vice Chancellor at UCSD, and they have never seen this level of enrollment. The good news is all of those potential homebuyers may want to stay in San Diego, which bodes well for our market.[/quote]

Had a UCSD Vice Chancellor apply for a rental once. Have never seen that level of credit card debt before. Your friend?[/quote]

The most awesome part of being a landlord or property mgr is the unquestioned entitlement to feast your prying eyes over a prospective tenant’s most intimate financial laundry.
Under a tenant’s respectable 3-piece suit of a white collar executive-level job, you get a sneak peak of the florescent pink g-string that is regular side income from their stake in a local strip joint, or the dirty skid-marked underwear that is a maxed out credit card or other sizeable debts.
Do any pigglords out there have any other amusing tenant finance anecdotes to help me thru my Friday? 🙂
tb

[teaboy]

I have not asked for my money back yet, since I would not expect the sales rep to give it back willingly and lose his commission.
I want them to admit they have missold me the wrong windows which are not to code (San Diego fire code.) And then use this as a reason for full refund. Unfortunately, I dont believe the sales rep knows much of anything about the fire code of the products he’s selling and will simply tell me I’m wrong. Asking for a refund before doing that will just make them even more defensive & uncooperative.

I feel my options at this point are 1 or all of:
1. Ask my credit card company to issue a chargeback for my $1000.

2. File a complaint against the contractor to the Contractors State License Board (CSLB) for mis-selling a product not up to the fire code and maybe have them adjudicate whether it is or isnt up to code.
https://www.cslb.ca.gov/consumers/filing_a_complaint/Complaint_Against_Licensed_Contractors.aspx

3. Take this Contractor to the small claims court for my $1000.

4. Build a time machine, go back to the time before I signed this contract, and then wait for the next recession, like gzz suggested. 🙂

Anyone had any experience of any of those?

tb

[teaboy]

Here’s the full contract text:

HOME IMPROVEMENT CONTRACT
http://www.shitanwindowsanddoors.com
[email protected]
CA License: 1000582

THIS AGREEMENT (“Contract”) is between SHITAN WINDOWS AND DOORS – SD (“Shitan”) and Mrs Me (“Owner”),
SIGNED ON: ________________
Address: Some St , San Diego, CA 92121
Telephone: 858-888-8888 Email: [email protected]
Performance
Shitan agrees to furnish all labor (Shitan may elect to use licensed subcontractors), equipment, and material as set forth in the
scope of work (“SOW”) attached and incorporated hereto in exchange for full payment by Owner as set forth in this Contract,
and as it otherwise may be amended. All labor, equipment, and material will be furnished in a good, workmanlike manner,
and in accordance with industry standards. Upon completion of the work, Shitan will remove debris, surplus material, and old
windows and doors from Owner’s property and leave it in a neat and broom-clean condition. The term “broom-clean
condition” shall have its plain and ordinary meaning and shall not be construed to mean “professionally-cleaned condition”.
No other work is promised or implied unless specifically set forth in writing. Owner must be present at the property during the
install and has 48 hours to inspect the work and report installation complaints to Shitan. All material is warranted only as
specified in this contract.
Approximate Start and Completion Dates:
Owner acknowledges that Shitan is not a manufacturer, and windows and doors are supplied to Shitan by third-party
manufacturers. Vinyl windows and doors normally are delivered to Shitan between four (4) to ten (10) weeks after the order has
been placed with the manufacturer. Aluminum, Colored Vinyl, Fiberglass and Wood windows and doors can take between
eight (8) to fourteen (14) weeks to be delivered to Shitan. Installation normally commences within one to two (2) weeks of
product delivery to Shitan, and at a date suitable to Shitan (“scheduled date”). If installation is delayed more than seven (7) days
from the scheduled date due to no fault of Shitan, a storage charge of $75.00 per day thereafter will be invoiced to Owner.
Shitan is specifically not responsible for the following:
1. Moving and replacing furniture and other impediments to access (if Shitan is asked to do so by Owner, and Shitan
agrees, Owner shall hold Shitan harmless for damage); and,
2. Removal and replacement of window treatments/coverings (if Shitan is asked to do so by Owner, and Shitan agrees,
Owner shall hold Shitan harmless for damage); and,
3. Connection and reconnection of alarm systems; and,
4. Painting, Drywall Repair, Stucco Repair, Tile Repair, Interior molding/casing, Exterior molding/casing; and,
5. Building Permit Fees. Windows, glazing and/or fenestration require building permits per the California Building
Code (CBC) Sec. 105.1, California Residential Code (CRC) Sec. 105.1 and County Building Codes. All Permit fees are
the responsibility of the Owner. If Shitan is requested to pull permits, the owner will be responsible for paying Shitan a
$250.00 permit runner’s fee in addition to any city fees required; and,
6. Retrofit and Block installations require Shitan to cut parts of the existing windows/doors, existing frames will
remain. While cutting existing windows and doors, vibrations to the exterior/interior walls and surrounding coverings
(tiles, mouldings, siding, stucco, etc) may happen (Shitan is not responsible for vibration damage).
7. Home Owner’s Association approval, if needed. It is Owner’s responsibility to inform Shitan that the Owner’s
property is governed under a HOA. Such notice shall be given to Shitan within three (3) days of Contract execution by
Owner.
8. Scaffolding (if necessary) will be provided at the homeowner’s expense.
Schedule of Progress Payments
Contract Price: $ 12,885.12
Down Payment (Due upon Contract Execution): $ 1,000.00
Due Upon Delivery of Material*: $ 10,752.00
Final Payment: (Due Upon Installation of Contract Items): $ 1,133.12
Down payment may not Exceed $1000 or 10% of the contract price, whichever is less.
*For incomplete deliveries, Owner will be held responsible for paying for the items that were delivered only.
Remaining Delivery balance will be collected from Owner upon Shitan’s delivery of missing items.
Once windows and/or doors are installed, the maximum amount Owner may withhold from final payment is 5% of the Final
Payment amount, but only in the case of a bona-fide workmanship issue. All withholding must be released to Shitan upon
resolution.
Initials: ______________
Jul 20, 2021

Extra Work and Change Orders
Any changes, alterations or deviations to this Contract must be made in writing, and signed by the parties prior to the
commencement of any work covered by the new Change Order. Extra work or a change order is not enforceable against a
buyer unless the change order also identifies all of the following in writing prior to the commencement of work covered by the
new change order: (i) the scope of work encompassed by the order; (ii) the amount to be added or subtracted from the contract;
(iii) the effect the change order will make in the progress payments or the completion date.
Shitan is not obligated to perform any extra or changed work absent a written and mutually executed Change Order, with the
exception of work ordered by municipal or governmental authorities, in which case, Shitan shall be entitled to recover the
material and labor cost of such extra work plus 15% overhead and 15% profit on the total. A failure to comply with the
requirements of this paragraph does not preclude Shitan’s recovery of compensation for work performed based upon legal or
equitable remedies designed to prevent unjust enrichment.
Warranties
Owner acknowledges that Shitan is not a manufacturer, and windows and doors are supplied to Shitan by third-party
manufacturers. As such, the windows and doors are warranted per the manufacturer’s policies and not by Shitan. Shitan makes
no warranties, either express or implied, as to the merchantability of, or fitness for any particular purpose of, windows and
doors manufactured by third-parties. Any and all manufacturing defects and any and all material defects are not the
responsibility of Shitan, and do not excuse non-payment of the total contract price to Shitan under any circumstances. After
completion of installation of windows and/or doors, all manufacturers’ warranty information and documentation will be
promptly supplied to the Owner by Shitan, and Shitan agrees to exercise its best efforts to assist in prosecution of warranty
claims made by the Owner with the Manufacturer.
For Limited Installation warranty information, visit: http://www.ShitanWindows.com
Delay
Shitan is excused for any delay in completion of the contract caused by the Manufacturer, acts of God, acts of the Owner or the
Owner’s agent, inclement weather, natural disaster, wet or muddy grounds, labor trouble such as strikes, accidents or delays
beyond Shitan’s control, acts of public utilities, public bodies, or inspectors, extra work, failure of the Owner to make payments
due promptly, or other contingencies unforeseen and beyond the reasonable control of Shitan.
Insurance and Licensing
Owner agrees to carry fire, and other necessary insurance to cover any damage caused by Shitan and/or its subcontractor to
walls, doors, floors, furniture and personal items due to negligence. Shitan and/or its subcontractor agrees to carry all other
necessary insurance and licenses as required by law. Shitan and/or its subcontractor will maintain workers’ compensation
insurance and commercial general liability insurance in full force and effect and will furnish certificates of insurance to
Owner. Contractors are required by law to be licensed and regulated by the Contractor’s State License Board. Any questions
concerning a contractor may be referred to the Contractors State License Board, 9821 Business Park Drive, Sacramento, CA
95827, Phone (800) 321-CSLB, http://www.cslb.ca.gov.
Attorney’s Fees
In the event Shitan deems it necessary to file a mechanics lien or to file suit to collect any money due under this contract,
Owner agrees to pay all Shitan’s costs of collection and legal fees including reasonable sums incurred by Shitan for attorney’s
fees. If the parties become involved in legal action resulting from a dispute as to Shitan windows performance of this contract,
the court shall award reasonable costs and expenses, including attorney’s fees, to the prevailing party.
Cancellation
As set forth in the California Home Solicitation Sales Act, you may have the right to cancel this transaction at any time prior to
midnight on the third (3rd) business day after this contract was executed.
In Shitan’s sole discretion, an untimely contract cancellation may be handled in the following manner, and Owner expressly
agrees that:
1. Any and all Contract cancellations that take place after the statutory 3-day cancellation period and prior to window
and/or door ordering by Shitan, are subject to a liquidated damages charge of 30% of the total contract price shown below.
As a condition of this courtesy, Owner will not receive windows, doors, materials or installation services.
2. Because windows and/or doors are custom manufactured per specific order, Contract cancellations that take place after
the statutory 3-day cancellation period and after window and/or door ordering by Shitan, (but prior to installation), are
subject to a liquidated damages charge consisting of 65% of the total contract price. As a condition of this courtesy,
Owner will not receive windows, doors, materials or installation services.

NOTICE OF THREE-DAY (3) RIGHT TO CANCEL

Three-Day Right to Cancel
You, the buyer, have the right to cancel this contract within three business days. You may cancel by e-mailing, mailing,
faxing, or delivering a written notice to the contractor at the contractor’s place of business by midnight of the third business
day after you received a signed and dated copy of the contract that includes this notice. Include your name, your address, and
the date you received the signed copy of the contract and this notice.
If you cancel, the contractor must return to you anything you paid within 10 days of receiving the notice of cancellation. For
your part, you must make available to the contractor at your residence, in substantially as good condition as you received them,
goods delivered to you under this contract or sale. Or, you may, if you wish, comply with the contractor’s instructions on how
to return the goods at the contractor’s expense and risk. If you do make the goods available to the contractor and the contractor
does not pick them up within 20 days of the date of your notice of cancellation, you may keep them without any further
obligation. If you fail to make the goods available to the contractor, or if you agree to return the goods to the contractor and fail
to do so, then you remain liable for performance of all obligations under the contract.
I hereby cancel the home improvement contract between myself and Shitan Windows and Doors, the contract being dated
_______________

Buyer’s Signature: _________________________________________ Date: _______________

[teaboy]

[quote=sdduuuude]
I’d settle for a Republican that can let go of all the religious baggage. Give up the abortion fight, give up the war on drugs, stop regulating morality if it isn’t directly hurting someone else, and just ignore the gay, transgender thing altogether.[/quote]

Bwahaha!

I read somewhere that part of the problem (on both sides of the aisle) is that many, many politically active folks consider themselves “fiscally conservative, socially liberal” and assume the majority of the population are, too.
However, the reality is that most of the voting proletariat actually lean more “socially conservative, fiscally liberal.”

tb

[teaboy]

[quote=Coronita]nothing to worry about. I think what is more likely to happen is that more people in the center are fed up with both extremes on both parties and eventually abandon both parties for something in the center future.[/quote]

Not trying to be dumb here, but what are we all considering as “extremes”?

Republican extremes:
– over deregulation?
– promote gun rights?
– outlaw abortion & promote abstinence?
– deny climate change science & dont address it?
– promote raw capitalism?
– routinely allow outright lies to propagate to their political advantage?
– others?

Democratic extremes:
– over regulation?
– restrict gun rights?
– protect abortion rights, planned parenthood & free love?
– embrace climate change & enact laws to address it?
– promote universal childcare, medicare?
– routinely spin truths to their political advantage?
– others?

I’ve not thought this thru too hard nor have I worded any of it very well. I just threw some words down as a straw man.
It’s not obvious to me and I’m genuinely interested what y’all think, cos if our definition of “extremes” are very different, then surely so are our respective definitions of the political “center.”

tb

[teaboy]

Reminds me of…

[img_assist|nid=27473|title=Parenthood Movie|desc=|link=node|align=left|width=400|height=222]

[teaboy]

I’ve always thought civil war was on its way here (but much like self-driving cars, always ‘5 years out’ ha-ha.)

I’d always assumed the civil war would be between haves and have-nots, given the ever increasing levels of inequality, but I had trouble understanding how it would manifest itself from general grumblings to all out war. Surely the truly poor are too focused on sustenance?
Does anyone remember why those 99%er protests in NY fizzled out? I dont.

But, a civil war along partisan or ideological lines, fueled by good only fashioned 24/7 propaganda and driven by delusional 2nd amendment masses that make up 50%+ of middle america… now that’s a path to civil war I can believe in.

tb

[teaboy]

dumbness at an individual level might make one happy, but dumbness at a societal level might not.

[teaboy]

SFR means what here..?
tb

[img_assist|nid=27470|title=SFR|desc=|link=node|align=left|width=400|height=750]

[teaboy]

[quote=Coronita]The older I get the lazier I get[/quote]

It’s not lazy to focus on only the value-add tasks.
In hindsight, the periods I’ve spent the most time and effort on analyzing my stock/fund/etf picks are the periods my overall asset performance has been worst.

tb

[teaboy]

[img_assist|nid=27463|title=|desc=|link=node|align=left|width=180|height=279]

[teaboy]

[quote=gzz]AirBNB is liberal with covering refunds to unhappy guests and guest property damage to unhappy hosts.
[/quote]

I guess that might explain why I see very few “AirBnB Guest Trashed my Home!!!” articles in my news feed.

tb

[teaboy]

Thx, gzz.
What made you choose EVM? There seem to be numerous others with more favorable risk/return profiles..
https://money.usnews.com/funds/mutual-funds/rankings/muni-california-long

tb

..this may answer my own question, but is the capital gains from these funds also federal & state tax-free?

[teaboy]

I got the lowest rate I could find at http://www.hippo.com
All online and so very easy for simple situations like yours & mine.

Been ok for 3 years now, but they keep jacking up the rate each year like every insurer so I may have to endure the hassle of shopping around again this month..
1st year.. $599
2nd year.. $731
3rd year.. $863
Next year.. $1063

tb
note: It’s that cheap cos i opt for a $10k deductible.

[Author]

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