Ronald_55
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Posts posted by Ronald_55
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1 minute ago, Raoul said:
About time neighbor. I'm in Bristol myself.
Now you just need to jump on into the conversation. This is about as good of an anonymous group as you'll find.
Glad to meet you Raoul. I work in Blountville, ,so I am in Bristol a bunch. I started looking on here in the classifieds section. That page made me think everyone is in Nashville on here. lol Many people on here that you know from the area?
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I would have to come home with a gun for protection if I pulled that on my wife. lol
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59 minutes ago, bvarnell said:
Welcome aboard !!
Thanks
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Been lurking here a while and just started posting. Figured it was time to say Hi from NE TN.
Hoping to get to know everybody.
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11 minutes ago, peejman said:
Everything is negotiable.
One thing a lot of new buyers do not know is that you can write into the offer things that are expected to come with the house. If the kitchen fridge has cabinets build snug around it, ask for the fridge. If your wife loves the porch swing, ask for it. If there is a Yard Barn, don't assume it stays unless the paperwork says so. Now, stay reasonable, and understand asking for some stuff might hurt your price negotiation, but I have even seen people get the riding mower with the house. Some of these are just icing, but some (like the fridge) could really limit you or force you to pull out the cabinets to fit a new one.
Plus a few sellers will take anything not specifically noted, as much as it seems like it should stay. One house I knew of the lady dug up all the nice flowers out of the beds after the contract was signed. Left the new owners a dirty mess. She argued that they were from her grandmother's garden and not listed in the paperwork.
Above all, if you feel pressured or unsure of the deal, walk away to look it over. In most cases you are signing up for a 30 year mortgage. That is a long time to not be happy with it. And it sounds like you are like me. Once in a house, there is not the financial option to sell and move.
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5 minutes ago, CZ9MM said:
My Wife and I are close to purchasing a house, we just don't know which one yet! I've did quite a bit of reading about FHA and USDA loans over the years and generally know how those programs work. USDA seems great if the house you purchase is eligible. However, if it isn't and FHA is the only option, I don't like the idea of PMI at I believe .85%.
This leads to this discussion. I'm a member of two credit unions (Bowater Employee Credit Union and Tennessee Valley Federal Credit Union). How do these mortgages generally work? For example, I notice that BECU offers "up to 97% financing". I'd love to put down 20% but it has taken forever to save the 3.5% I've saved for a $150,000 home. Do these credit union loans work supplementary with something like FHA or as another option entirely? Can I possibly avoid PMI through a credit union? I assume closing costs could be cheaper through one, is this true?
I have plans to speak to a loan officer at BECU and TVFCU soon, but I figured TGO might could save me a lot of research time by forewarning me or recommending me towards certain things.
A word of advice from my experience. Go about this the opposite way most people do. Find out what payment you can afford, then from that figure what house you can afford. Be sure to leave room in that amount for closing costs. Each lender might have different costs, so at least get a ball park from them. I do prefer my credit union, but shop around. Some lenders will let you roll in closing costs if you want and can't cover them up front. It just ups the payment. The real reason to shop is interest rate. On a house a 1% lower rate can make a big difference in the long haul.
In the future as you pay down, also look if you can refinance if rates lower. I was able to refinance from a 1st and second(100%) mortgage to just one. I saved $200 per month and shaved 5 years off. Of course I had a really crappy rate to begin with, so that made a bunch of difference in the changes.
A second set of stuff to keep in mind. Look at other costs. I moved from an apartment to a house with a good sized piece of land. So I had to buy a riding mower. Well I could have let it grown up, but the wife would have left me in the house alone if I did that. Just leave some breathing room. I had a buddy that mortgaged himself to the brink. Lasted about 3 years before he defaulted.
Anyway, just my double pennies.
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On 11/26/2016 at 10:47 PM, deafdogdief said:
+1. My first read through as well.
Sent from my iPhone using TapatalkHey I just noticed that if you are an Amazon Prime member, this book is free in the Kindle library. Not real handy to use while reloading, ,but easier to carry around and read on the go than the 800 page paperback. Plus you can see if you are really interested before laying down the cash to buy it.
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57 minutes ago, musicman said:
My thought on suppressors is that IF (and that's a BIG "if") they are actually deregulated we won't see the prices fall any time soon... in fact, I imagine the surge in demand would make prices stay the same or even trend upwards for awhile. Eventually, they would come down after a year or so after just about everyone who was shy about getting one due to paperwork and taxes got theirs, and then things would settle down.
I'm just barely hopeful that the HPA would actually get passed under Trump. I think, as with all politicians, we'll see a whole lot less of what folks hoped for in his campaign actually come to fruition during his administration. That's just li'l ol' pessimistic me talkin'. Of course, I also am on record as thinking Hillary was gunna cream him in the election... I obviously know nothing. :-D
Regulating them is a crock to begin with, so hopefully it gets passed. Criminals never do the paperwork on one. Plus, unlike the movies, no one goes around shooting everyone in a building with one "silently." And if you really want to, you can buy all the parts legally to assemble one from a maglite on eBay. Just like a sbr, it is not illegal until assembled without proper paperwork. Or any good machine shop could crank them out all day long.
I am a pessimist on it too. Lots of promises get made to get in office, but many of those never cross the Whitehouse threshold.
I think we might see some good prices on the used/resell market in a few months as the people that bought a bunch of guns before the election with hopes of racking up cash after need to pay rent. Kind of like the guys lining up to hoard .22LR over the past while. Just buying stuff to reduce supply and drive up prices. Same guys bought all the Tickle-Me Elmos at one point and sold them in the parking lot for double. It is just a profit racket for them. Leaving those of us that enjoy gun sports ( or Elmo lol) out in the cold.
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3 hours ago, MacGyver said:
That lady is a class act.
Dad went to school with her. Even though he was poor, he said they were the dirt poor family in school. Nice to see that she still appreciates home and uses her success to give back. I know I got a cash from her foundation when I graduated high school there. It was her Buddy program to help more people finish high school. So she has a long record of helping out. It is a good start on getting peoples lives back together. It will still be a long uphill battle for some though.
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I have been seeing some show up for a while in Wal-mart. Last I ordered was several boxes of Golden Bullet from Cabelas back in July. I think I paid 7 cents per round on it, but I could order 5 525 round boxes with free shipping... and I had a gift card lying around. Little more than I used to pay for Thunderbolts in Wal-mart, but nice not to have to go chasing 50 round boxes down a couple at a time.
My marlin 60 eats anything I throw in it, I just have to clean it a little more often if I use the cheap stuff.
And I am not sure we will ever see $20 for a 500 round brick again.....
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5 minutes ago, NoBanStan said:
The liberator. I watched a documentary on it years ago. Total turd and never really distributed... but if you have nothing....
So were you supposed to shoot the guy or hit him in the head with it. lol
Looked this up. Looks like a million were made, but most not delivered. They did this in 11 weeks at about $2.10 per gun.
I like this info from Wikipedia on it
" The Liberator was shipped in a cardboard box with 10 rounds of .45 ACP ammunition, a wooden dowel to remove the empty cartridge case, and an instruction sheet in comic strip form showing how to load and fire the weapon. "
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8 minutes ago, monkeylizard said:
https://www.linkedin.com/pulse/open-letter-customers-our-weapons-policy-chip-bergh?trk=prof-post
I'll just leave this here.
Never wear them, so don't have to worry.
Same old story though. Some idiot does something stupid with a gun and everyone freaks about guns. If he had stabbed himself in the leg with his EDC knife, no one would have heard about it.
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I travel a lot too. A good bit is the same long stretch of road. And there is no way I can make the 8 hour drive without having to piss. Call me weak. Lol Like Gotthegoods said, I have found the good and bad exits. One trick I use is that in a brightly lit glossy tiled bathroom, the tile almost becomes a mirror. Even if it is not totally clear you can identify movement behind you. I do often opt for the stall though. Remember most of the doors will swing both ways after someone gives it a good kick. So if you are aware and see it coming, that door might just be best weapon to use first. Lots of my destinations limit what I can have on me and in my car, so sometimes you have to use your surroundings. And no, we are not paranoid, we are careful.
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On 11/29/2016 at 10:00 PM, Ramjo said:
The problem is there are no gun smiths in the Tri Cities that I am aware of.
Sent from my iPhone using TapatalkThere is a guy with a small shop on Blountville Blvd in Blountville I think. I had a friend that used him for some stuff. Said he was good.
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29 minutes ago, Oh Shoot said:
Sorry to see some of this reached all the way down to Wears Valley, 70 homes destroyed there. I probably delivered to any number of them back during my FedEx Ground stint.
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It is almost unimaginable how far it reached. News said 15,653 acres and it is only about 10% contained tonight. So who knows how much more it will get.
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19 minutes ago, runco said:
I lived in Sevier county for over 30 years, and have lots of family there. I think my family and extended family are okay. I went through a house fire when I was 20, my parents home. I compare it closely to a death of a family member. Its terrible to go through that experience. The smell, the damage, the loss of personal unreplaceable items.
I assume in today's times the homes and structures had insurance, but the real concern I have outside loss of life and injury, what about all of those lost jobs. People who cleaned the cabins, people who worked in the offices, people who worked in maintenance, people who worked in Sales, etc. On the other hand, big boom for construction, clean up, and alike. I assume scammers are heading there in groves as well.
Luckily all mine live farther down the mountain.
Yeah probably 90% there work in hotels/rentals, food service, retail, or Dollywood. All those gonna be hurt even if the building is ok. Visitors will be down for sure over Winterfest. That means less hours for workers at the remaining places. Gonna be a hard Christmas all around.
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2 hours ago, Oh Shoot said:
That's because they weren't zombies, still live humans, just infected with the rage virus. They didn't seem to eat period, not even their victims, all they did was try to kill.
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Guess I was just being broad in the general idea of "zombies". Little too broad maybe.
Thanks for checking my details OS.
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13 minutes ago, Ugly said:
Local news reporting 7 dead and over 700 structures burned.
Heard the same from my Dad who lives close to there. Hopefully most of that is rental cabins instead of private homes. Either way, gonna take a long time to recover.
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Worked for a professional tech company out of Harlan Kentucky for a while. They would have a truckload of liquor and have a DJ blasting hardcore rap and rave music to dance to. One of the VPs wife wanted to dance with every guy there after she had a few. And by dance I mean "grind on." Weirdest crap I have ever seen. I should have known it was going to be weird when an IT company was based in Harlan.
Only good thing they did was hire a few 18yos to drive people that were wasted to their hotel room the company provided. I guess they knew what to expect.
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I dunno, I gotta go with Night of the Living Dead. Can't beat the original black and white one. Not that they dealt with much science in it. lol
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Not sure what level truck you are looking for, but I just bought a SUV off Carvana.com. They have a Nashville location and one in Atlanta. Got a great deal. You can do a 360 look inside and out of the car online.
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Just depends on what zombie world you are talking about. In TWD, seems like nothing slows them down aside from brain damage. So I guess if they can crawl around dragging 1/2 their spine, rigor mortis is probably not going to happen. In World War Z (the movie), they seem less "dead" than infected. Kind of the crazed feral zombie.
I just take a healthy dose of "suspension of disbelief" with my zombie movies. I enjoy them more. lol
I did like in 28 Days Later that they explored zombies "dying" when they ran out of stuff to eat.
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I have to add a +1 to the book being better than the movie. Not that the movie was bad, but they should have just named it something different. No way the book could be made into a movie. I groaned and knew there was no way it would be like the book when I saw Brad Pitt was doing it.
Reminds me that I need to go back and read the book a 3rd time. I am a sucker for doomsday type stuff.
Not that it is Zombie based, but has anyone read the Grid Down series of books by Hemming?
Ruger LCPii
in Handguns
Posted
Looks like Indian Springs Armory in Kingsport, TN has one for $275 starting tomorrow if you happened to be up this way. I have a buddy that shops there and likes them. I have not bought from them though. That is more from being cash poor than not wanting to. lol
Here is a link to the sales flyer on their site
http://www.indianspringsarmory.com/2016-christmas-open-house.html