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Randy W

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Posts posted by Randy W

  1. I work with New Home Buyer Education classes almost every weekend. Every loan officer that speaks to these classes says the same thing. Take your principle only divide by 12 and make a separate payment on your mortgage each month. That makes one extra mortgage payment a year. This will turn your 30 year into 22 years. Now because you own a home you will probably be getting a tax refund. Take the amount of 1 principle payment and sent that in. Now you pay off the mortgage in about 17 years. This does not break your bank account for other items you need to put money into. Anything above that does not really help reduce the time on the mortgage.

  2. As a Home Inspector my  advice is as follows.... The mold or fungus is there because there is water/ moisture in the crawlspace. The mold and or fungus can not live without water. First you have to find the cause of the moisture and correct that problem. Is it ground water, leaky pipe, exterior rain water entering the area what ever, you have to cure that water problem. IF not  any clean up will be useless and the issue will return. Next a complete covering of the ground with a thick plastic is needed from wall to wall. No gaps. Is there a way for any water that enters later ...leaky pipe.... to exit the crawlspace. Floor drain or sump pump. Proper ventilation is a must.... Many people today are sealing their crawlspaces and  making them conditioned spaces to prevent problems. Still not sure about this not enough time gone by to see if this really works. There are many companies that will do the work need to cure the problem. As an Inspector if i came to inspect this home and found it had new plastic and clean and dry surroundings there would be no issue to report to the client.  Not all inspectors are residential mold certified and their insurance companies will not let them talk about mold for that reason. Hope this helps. 

    • Like 1
  3. About 4 months ago went to the WH on Old Hickory Blvd in Hermitage and saw the post at the door. So i walked away and went down to Stewarts Ferry and they had the same sign. I opened the door and asked the manager if they new about the sign and she said no. I told here that she needs to let her boss know that it is driving Law abiding citizens like me across the street to the Cracker Barrel. At that point i went to CB and had a much nicer meal than i would have got at WH. Checked the new WH in Donelson out about a month ago and no sign.   

    • Like 3
  4. Barack says we need to have a conversation about race in America .. Fair enough. But this time, it has to be a two-way conversation.. White America needs to be heard from, not just lectured to.... This time, the Silent Majority needs to have its convictions, grievances and demands heard. And among them are these:

    First, America has been the best country on earth for black folks. It was here that 600,000 black people, brought from Africa in slave ships, grew into a community of 40 million, were introduced to Christian salvation, and reached the greatest levels of freedom and prosperity blacks have ever known.. Jeremiah Wright ought to go down on his knees and thank God he is an American.

    Second, no people anywhere has done more to lift up blacks than white Americans. Untold trillions have been spent since the '60s on welfare, food stamps, rent supplements, Section 8 housing, Pell grants, student loans, legal services, Medicaid, Earned Income Tax Credits and poverty programs designed to bring the African-American community into the mainstream. Governments, businesses and colleges have engaged in discrimination against white folks -- with affirmative action, contract set-asides and quotas -- to advance black applicants over white applicants. Churches, foundations, civic groups, schools and individuals all over America have donated their time and money to support soup kitchens, adult education, day care, retirement and nursing homes for blacks.
    We hear the grievances. Where is the gratitude??

    Barack talks about new 'ladders of opportunity' for blacks. Let him go to Altoona ? And Johnstown, and ask the white kids in Catholic schools how many were visited lately by Ivy League recruiters handing out scholarships for 'deserving' white kids...? Is white America really responsible for the fact that the crime and incarceration rates for African-Americans are seven times those of white America? Is it really white America's fault that illegitimacy in the African-American community has hit 70 percent and the black dropout rate from high schools in some cities has reached 50 percent?

    Is that the fault of white America or, first and foremost, a failure of the black community itself?

    As for racism, its ugliest manifestation is in interracial crime, and especially interracial crimes of violence. Is Barack Obama aware that while white criminals choose black victims 3 percent of the time, black criminals choose white victims 45 percent of the time?

    Is Barack aware that black-on-white rapes are 100 times more common than the reverse, that black-on-white robberies were 139 times as common in the first three years of this decade as the reverse?

    We have all heard ad nauseam from the Rev. Al about Tawana Brawley, the Duke rape case and Jena . And all turned out to be hoaxes. But about the epidemic of black assaults on whites that are real, we hear nothing.

    Sorry, Barack, some of us have heard it all before, about 40 years and 40 trillion tax dollars ago. 

     

    Pat Buchanan

     

  5. I have had to send in a pk380 for a broken safety and send in a ppk that was on recall. Service with S&W was great. You are now in the middle of the transition from S&W to Walther Arms in Arkansas good luck. Transitions can be tough.

  6. Has an incident today where some kid in a parking lot tried to throw a rock at his sister and missed and cracked my windshield. Long story short I had to call Smyrna police for a report lady and kid left the area, When the officer showed up I gave him my ID and told him I was carrying. He asked where on me and what it was and then said If you don't draw i want. He filled out an incident report and then told me Smyrna has him carrying a Springfield and really wanted to carry his Glock. Shot the breeze for a bit and went on or way. Great guy he did Smyrna proud.

    • Like 5

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