Yes!!! Got Approved For A Home Loan

[babe]

So, anyway, Frank, I agree with you because I know you know what you're doing. The Doc resents being dissed when he's offering good help. Really, that is the same thing as telling the newb not to get an agent, isn't it?

Stoked should talk to several real estate agents and see what they're saying. It's perfectly true that a good RE agent will earn his pay working for you and save you some money. Lots of detail stuff a newb just isn't going to get all right.

Doc is wrong about one thing. Stoked is the buyer and doesn't have to offer as much as the seller is asking, so he just doesn't really need to pay what he's asked, even if some seller "sees him coming" and tries to score the RE commission cut. I'm not in the market to buy right now partly because I need to resolve some hanging issues before moving on to new ones, but partly because I believe there's a general selloff pending in our RE bubble generally, to bring prices in line with people's incomes. The "bailout" is still going on. . . banks getting soft money from the fiat press to loan out, interest rates being hammered to nothing. But Cedar City and St. George are a sweet spot a lot of people still want to land in, people with money from CA and LDS retirees from everywhere. . .

If Stoked has the down and the loan, he should be buying his home. I would suggest a conservative loan like a 15-year. He'll do OK if he learns what he can from Peeks and a few RE agents, and a lot of knowitall blowhards like me, as long as he lets Peeks be the one to cut out the commish.

 

[babe]

When I get back to more financial security I'm totally gunna hit you up on pointers to rehab my property. It looks a lot like that area. My long term gameplan is:

1)put up a fence to keep the sheepherders off of it.
2)Replant Utah Junipers that ranchers have removed over the years. (maybe Bristlecone pine too)
3)Replant Great Basin Wild Rye the sheep have decimated.
4)Mycelium rehab. <that's where I will need the most help. I figure there has got to be a way to either encourage it or culture and transplant.

I would love to eventually restore my chunk to it's full potential. Though it's probably just another one of my hair brained pipe dreams.

I would offhand peg this site as Fillmore if not Holden, bro. I've seen those decimated junipers and GB wild rye right off the freeway, and isn't that where the mushroom factory is? And you can even see Swasey and Notch from there, on the long low horizon.

 

[Dr. Jones]

So, anyway, Frank, I agree with you because I know you know what you're doing. The Doc resents being dissed when he's offering good help. Really, that is the same thing as telling the newb not to get an agent, isn't it?

Stoked should talk to several real estate agents and see what they're saying. It's perfectly true that a good RE agent will earn his pay working for you and save you some money. Lots of detail stuff a newb just isn't going to get all right.

Doc is wrong about one thing. Stoked is the buyer and doesn't have to offer as much as the seller is asking, so he just doesn't really need to pay what he's asked, even if some seller "sees him coming" and tries to score the RE commission cut. I'm not in the market to buy right now partly because I need to resolve some hanging issues before moving on to new ones, but partly because I believe there's a general selloff pending in our RE bubble generally, to bring prices in line with people's incomes. The "bailout" is still going on. . . banks getting soft money from the fiat press to loan out, interest rates being hammered to nothing. But Cedar City and St. George are a sweet spot a lot of people still want to land in, people with money from CA and LDS retirees from everywhere. . .

If Stoked has the down and the loan, he should be buying his home. I would suggest a conservative loan like a 15-year. He'll do OK if he learns what he can from Peeks and a few RE agents, and a lot of knowitall blowhards like me, as long as he lets Peeks be the one to cut out the commish.

One correction. I didn't say the seller would see you (whomever without an agent) coming, but the listing agent. It happens everyday that a buyer goes it alone, thinks they're saving merely because they got a discount from the asking price, but the listing agent, unknowingly to the buyer, "double-sided" the commission.

I'm not saying it's rocket science, just sharing some things you need to know before going it alone.

 

[babe]

I spent last weekend @ Topaz Mountain. It's crazy. You walk through a wash and it is littered with crystals. It was really cool.

Well, size counts, and there's a lot of plain quartz, maybe some labradorite. Lots of tiny sparkles in the wash sands, but to get to some crystals you need to find an area with some hollowed rock faces and use a hand pick or chisel a little.

 

[Dr. Jones]

Well, size counts, and there's a lot of plain quartz, maybe some labradorite. Lots of tiny sparkles in the wash sands, but to get to some crystals you need to find an area with some hollowed rock faces and use a hand pick or chisel a little.

Are you referring to selenite?

 

[babe]

DUDE! I ****ing love it out there. In June I hiked to the top of Swasey Peak. I really took my time getting from there over to Wheeler Peak... crazy beautiful and so much space out there. It's some of the most inspiring nature I've ever felt.

Sounds like you drove down into Tule Valley and over Cowboy Pass. Painter Spring is worth the trip, too.

 

[babe]

Are you referring to selenite?

offhand, I think "selenite" is calcium carbonate, an anhydrous form of gypsum. There are huge gyp deposits south of St. George on the lower slopes of the mountains there, pretty much hundreds of feet think pure gypsum. One mine I think is operating, shipping to the plant along the freeway northeast of Vegas. There are huge deposits there, too. Enough to wallboard the world.

labradorite is a Calcium/Aluminum Silicate, with some sodium replacing some of the calcium or Aluminum, common to Andesite lava. Nice little clear sparkly crystals in erosion/streambeds, maybe with a lot of plain silicates or even mica specks. . . .

 

[babe]

One correction. I didn't say the seller would see you (whomever without an agent) coming, but the listing agent. It happens everyday that a buyer goes it alone, thinks they're saving merely because they got a discount from the asking price, but the listing agent, unknowingly to the buyer, "double-sided" the commission.

I'm not saying it's rocket science, just sharing some things you need to know before going it alone.

Thanks for the correction. This does happen.

I got a RE license years ago, and I was taught that the listing agent has a right to the full commission in the contract, and has to split it with the buyers' agent generally. Oh how the RE listing agent loves to see a buyer without his own agent coming.

 

[♪alt13]

Sorry I don't get quote notifications, Maybe I should drop the note from my handle? eh

Does alt13 live near me?

No I live in SLC

Oh, is that all??? Like it's easy to just happen to own property in random spots like it's nothing??

****ing prima donna, elitist, bull ****.

I bought it when I was 23.

I would offhand peg this site as Fillmore if not Holden, bro. I've seen those decimated junipers and GB wild rye right off the freeway, and isn't that where the mushroom factory is? And you can even see Swasey and Notch from there, on the long low horizon.

It's high desert. Nearest town is Park Valley. I was 23 when I bought it and I already explained to siro why I probably should have purchased something else. That being said it has it's own special kinda beauty and is as secluded as it gets. Gotta love the desert though.

Well, size counts, and there's a lot of plain quartz, maybe some labradorite. Lots of tiny sparkles in the wash sands, but to get to some crystals you need to find an area with some hollowed rock faces and use a hand pick or chisel a little.

Yeah, I'm really not into having shiny rocks. My kid found a couple decent sized garnets. My brother in law is the true rock hound. He brought some chisels and stuff but I think it was more fun for us to help the girls find small treasures. We were pretty conservative and didn't find anything special but it was a good time.

 

[NAOS]

I don't think I've ever driven all the way down the 30 and into Nevada. I'd already added that to my list of travels since I usually have to drive from SF to SLC once a year, and I'm itinerizing scenic routes. Sounds really awesome, braugh. How often do you get out there? How many acres?

 

[♪alt13]

I don't think I've ever driven all the way down the 30 and into Nevada. I'd already added that to my list of travels since I usually have to drive from SF to SLC once a year, and I'm itinerizing scenic routes. Sounds really awesome, braugh. How often do you get out there? How many acres?

The 30 is crazy lonesome. I prefer to take the Old railroad grade road west of Corrine(even more lonesome). It eventually meets up with the 30 near the Nevada border north of Wendover. It's a maintained dirt road that sits atop the old railroad line. I do about 50-60mph in my truck along most parts of it. You need Verizon. If you have a different carrier go buy one of their pay as you go phones from Wal-mart and throw it in your glove box. GPS is probly a good idea too. Some highlights are (in order from Corrine) Nice small farm valley, crossing through the North portion of the GSL, a rock shaped like an elephant, Kelton Ghost town cemetery, views overlooking the salt flats. The best thing out there is the darkness. Moon rise is super dramatic.

I haven't been out there this year. Broke, infant son, other stuff. My chunk is 160 acres.

 

[babe]

Oh, is that all??? Like it's easy to just happen to own property in random spots like it's nothing??

****ing prima donna, elitist, bull ****.

Park Valley, I think, is in the far northwest corner of the state, or at least due west of Snowville or something like that. Lots of old railroad land grants, no water. Sometimes you can buy land like that for $100/acre. No prima donna elitism there, for sure.