Archive for the 'HardLessons' Category

Order Captopril With No Prescription

Sunday, July 27th, 2008

There is a great guest post about Moral Hazards on Infectious Greed written by Tom Vanderwell.  It starts off with two comics:

Order Captopril with No Prescription, In the post Tom describes the dangers of government bailouts and government protections for investors.  If investors do not bear the full risk of their investments, then they will make moves that they wouldn't otherwise make (the Moral Hazzard).  This leads to various undesirable outcomes, because in the end somebody has to pay when the losses accrue.

I strongly support some of the suggestions that Tom makes, buying Captopril online over the counter, Where can i buy Captopril online, and believe that the US government should do as little of possible (with the one exception of preventing a larger market collapse).  The notion of privatizing the gains and nationalizing the losses, for example what this $25 billion dollar bailout of Freddie and Fannie would be, order Captopril online overnight delivery no prescription, Order Captopril from mexican pharmacy, goes against everything our country stands for.

More inline with the first comic above, buy Captopril from mexico, Where to buy Captopril, I've mentioned before that all of my mortgages were all done in a very sustainable way.  They're almost all fixed mortgages, which ironically enough I took out against the recommendations of both my mortgage brokers and realtors at the time.  If I had taken their advice, fast shipping Captopril, Buy no prescription Captopril online, and was in bad shape now, I wouldn't deserve any government help.  But, Captopril trusted pharmacy reviews, Canada, mexico, india, if those who get in trouble because they chose the less-prudent, shinier path get bailed out, Captopril over the counter, Captopril samples,   I may be more likely to take the riskier approach next time.

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Friday, July 13th, 2007

I've passed off the judgment to a Collections lawyer who is going to try to collect money from the settlement that my former tenants Order Zoloft with No Prescription, receive every year. We set up contingency compensation where they'll receive one-third of what is collected, Zoloft gel, ointment, cream, pill, spray, continuous-release, extended-release. Where can i buy cheapest Zoloft online, At this point, I just want to get this thing over with since it has been dragging on _way_ too long, buy no prescription Zoloft online. Zoloft trusted pharmacy reviews. Purchase Zoloft. Where to buy Zoloft. Buy Zoloft no prescription. Buy cheap Zoloft. Zoloft samples. Real brand Zoloft online. Rx free Zoloft. Purchase Zoloft online. Kjøpe Zoloft på nett, köpa Zoloft online. Australia, uk, us, usa. Buy Zoloft online cod. Buy Zoloft without a prescription. Order Zoloft from mexican pharmacy. Order Zoloft online overnight delivery no prescription. Buy Zoloft without a prescription. Real brand Zoloft online. Buy Zoloft from mexico. Ordering Zoloft online. Buy cheap Zoloft. Zoloft gel, ointment, cream, pill, spray, continuous-release, extended-release. Comprar en línea Zoloft, comprar Zoloft baratos. Buy generic Zoloft. Rx free Zoloft. Where to buy Zoloft. Buying Zoloft online over the counter. Zoloft over the counter. Where can i find Zoloft online. Buy no prescription Zoloft online. Where can i buy cheapest Zoloft online. Kjøpe Zoloft på nett, köpa Zoloft online. Order Zoloft from mexican pharmacy.

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Thursday, May 3rd, 2007

Order Dalacin cream with No Prescription, Depending on what news sites you read, you may be familiar with justin.tv (justin.tv blog). Buy cheap Dalacin cream no rx, Since March 19th, 2007, rx free Dalacin cream, Online buying Dalacin cream hcl, Justin has been wearing a camera attached to his hat 24/7, and streaming the video and accompanying audio over the internet for everybody to watch, real brand Dalacin cream online. Buy Dalacin cream from mexico, All of this has been run out of a single two bedroom apartment in San Francisco.

Many things have happened since the camera was first turned on, buy no prescription Dalacin cream online. Purchase Dalacin cream online no prescription, A viewer prank called the police and reported a stabbing in the apartment. Shortly afterwards, the police entered the apartment with guns drawn, amusing viewers around the world who were watching it live, Order Dalacin cream with No Prescription. The next day, Dalacin cream over the counter, Order Dalacin cream from United States pharmacy, somebody reported a fire and six firetrucks showed up, though to the viewers' dismay it was not aired live (techcrunch), buy Dalacin cream from canada. Buy generic Dalacin cream, Other problems are occurring too. Other tenants are complaining about the traffic at all hours of the night, buy Dalacin cream no prescription. Where can i buy Dalacin cream online, Tenants have also complained that they were getting filmed in common areas without their permission (SF Chronicle). Order Dalacin cream with No Prescription, All of this has obviously upset the landlords, Trinity Management Services, who operates over 50 apartment complexes in San Francisco. After searching the apartment a few times looking for lease violations, Dalacin cream gel, ointment, cream, pill, spray, continuous-release, extended-release, Where to buy Dalacin cream, they eventually filed for eviction against justin.tv. Not only that, comprar en línea Dalacin cream, comprar Dalacin cream baratos, Buy cheap Dalacin cream, but they have stopped renting other apartments to applicants for simply knowing Justin.

As a landlord, I can completely understand why Trinity would want to get rid of these guys, ordering Dalacin cream online. Dalacin cream price, coupon, It seems like the case should be pretty straightforward, if they're violating the lease, purchase Dalacin cream, Where can i buy cheapest Dalacin cream online, causing the other tenants to complain, and disturbing the peace: kick them out, buy Dalacin cream online cod. Kjøpe Dalacin cream på nett, köpa Dalacin cream online, However, then the situation got sticky for Trinity, Dalacin cream trusted pharmacy reviews.

With all the publicity that the justin.tv team commands, websites sprung up to try to stop the eviction, Order Dalacin cream with No Prescription. Purchase Dalacin cream online, Sites like Don't Evict Justin were put up in an attempt to bring down the management company, using all tactics possible, canada, mexico, india, Order Dalacin cream online overnight delivery no prescription, including digging up dirt and court documents. Worse yet, buying Dalacin cream online over the counter, Where can i find Dalacin cream online, it appears that a lot of Trinity's business comes from young entrepreneurs/professionals, which means that by fighting justin.tv they may end up alienate a significant part of their tenant base, fast shipping Dalacin cream. Dalacin cream samples, I find it somewhat odd that these young entrepreneurs do not empathize more with their landlords and the other tenants. They are callously disrupting the lives of the other tenants as well as impacting the business of Trinity, order Dalacin cream no prescription. Buy Dalacin cream online no prescription, It is sad to see that they're taking the all-too-common "Landlords are Evil, Screw 'Em" stance and ignoring everybody else, where to buy Dalacin cream. Order Dalacin cream online c.o.d, My question for the Shmandlord readers is, what should Trinity do. How could a landlord protect themselves against this (although obviously the probability that it would happen to any given landlord is virtually zero).

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Wednesday, January 31st, 2007

After finding my old tenants Order Acomplia Rimonabant with No Prescription, , I filed a small claims suit against them. The court date is set to February 20th, canada, mexico, india, Buy Acomplia Rimonabant from canada, although the tenants haven't been served yet. I spoke with the constable today and he seems to take pride in his ability to serve, buy cheap Acomplia Rimonabant. Buy no prescription Acomplia Rimonabant online, He assured me that he has several tricks up his sleeve which he will use if necessary.

At this point, buying Acomplia Rimonabant online over the counter, Buy Acomplia Rimonabant without prescription, if I do not hear anything from the court then it means that they were served and the court date is on. If not, order Acomplia Rimonabant from mexican pharmacy, Order Acomplia Rimonabant no prescription, I'll hear something within two weeks.

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Wednesday, January 17th, 2007

Order Brand Levitra (Vardenafil) with No Prescription, Well, I have some very exciting news:



I've located my ex-tenants. Order Brand Levitra (Vardenafil) online c.o.d, They're living at a hotel in the neighboring town. I promptly filed the small claims suit today, canada, mexico, india. Brand Levitra (Vardenafil) gel, ointment, cream, pill, spray, continuous-release, extended-release, It turns out that in this town there are two options for serving the papers. First, buy Brand Levitra (Vardenafil) online cod, Ordering Brand Levitra (Vardenafil) online, the court documents can be sent through certified mail, but this requires that the recipients sign the return receipt, purchase Brand Levitra (Vardenafil). I know from experience that they never sign for any of their mail, so this method is out of the question, Order Brand Levitra (Vardenafil) with No Prescription. Real brand Brand Levitra (Vardenafil) online, The second method is to have the constable do it. The court clerk said that the constable is very good at finding and serving people, buy cheap Brand Levitra (Vardenafil) no rx, Buy Brand Levitra (Vardenafil) without prescription, so I have my fingers crossed.



Unfortunately there is no way that I or another third party can serve the papers. Now I just have to wait to hear what happens, Brand Levitra (Vardenafil) trusted pharmacy reviews. Rx free Brand Levitra (Vardenafil), I am confident that even if they were to move again, I'll be able to track them down, online buying Brand Levitra (Vardenafil) hcl. Purchase Brand Levitra (Vardenafil) online no prescription, They owe me a lot of money and I feel obligated to make them pay.



I am personally aware that they've done this to several landlords before me. Do people not follow through (I understand it is a hassle, buy Brand Levitra (Vardenafil) from mexico, Buy Brand Levitra (Vardenafil) online no prescription, but if nobody tracked them down then why would all tenants not do this?) If anybody has evicted tenants before, did you end up getting paid, where to buy Brand Levitra (Vardenafil). Buy Brand Levitra (Vardenafil) from canada, Did you have to file a civil suit?



I'll keep you up to date.



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Monday, December 11th, 2006

There is a situation unfolding that has me very nervous.



The tenants who helped with the renovations Order Bromhexine with No Prescription, are hitting some hard times. Online buying Bromhexine hcl, The father had an incident in early 2006 where he fell while working as a contractor, seriously hurting his wrist, fast shipping Bromhexine. Bromhexine over the counter, He had a cast for a while and then seemed fine when it was removed, but apparently over the past few months it has become very painful, canada, mexico, india. Order Bromhexine online overnight delivery no prescription, To make a long story short, he just had surgery a few weeks ago, where to buy Bromhexine, Buy Bromhexine online cod, and will be in a cast for the next four months. This presents the problem of how will they pay rent.



To flesh out the history, buy Bromhexine online no prescription, Buy cheap Bromhexine no rx, they own their own power-washing company. Power washing, I've learned, is a very seasonal business, Order Bromhexine with No Prescription. Over the winter, buy Bromhexine without prescription, Buy Bromhexine without a prescription, they both do odd jobs to pay the bills. When the incident first occurred in January, japan, craiglist, ebay, overseas, paypal, Fast shipping Bromhexine, he was unable to get another contract position and it was too cold to power wash. They stopped paying rent, online buy Bromhexine without a prescription. Buy Bromhexine from canada, I filed for eviction, and a week before our court date they explained to me that they were really in financial trouble, comprar en línea Bromhexine, comprar Bromhexine baratos. Order Bromhexine with No Prescription, I let them slide on the rent for several weeks until power washing season. Buy Bromhexine no prescription, I was concerned that I would not collect, but they really were down on their luck and had no other options (if I evicted them, order Bromhexine no prescription, Where can i find Bromhexine online, it would be unlikely they'd find another place to rent). Either way, Bromhexine price, coupon, Kjøpe Bromhexine på nett, köpa Bromhexine online, I believed that they would pay me back and they did. Once the summer came they started giving me a check after every job, online buying Bromhexine hcl, Buy Bromhexine from mexico, and were able to catch up within a few hundred dollars by September/October. They paid off the next two months by helping with the renovations (on which they did an amazing job).



This brings us to mid-November, Bromhexine samples, Bromhexine trusted pharmacy reviews, whose rent they've only paid half. Again, the surgery was in the last week of November, Order Bromhexine with No Prescription. Since then, australia, uk, us, usa, Order Bromhexine from mexican pharmacy, they've been waiting for their worker's comp checks to come in the mail, and of course it hasn't, Bromhexine from canadian pharmacy. Where can i order Bromhexine without prescription, So I've been waiting, unsure how to proceed, where to buy Bromhexine. Ordering Bromhexine online, As of today, they have still not received it, purchase Bromhexine, Real brand Bromhexine online, and I am basically at the end of my patience.



So what do I do?



Well, today I called the workers comp office to find out what's really happening, rx free Bromhexine. Buy generic Bromhexine, The woman wouldn't go into detail because I wasn't authorized (I made it clear I was the landlord, to avoid any legal complications). Order Bromhexine with No Prescription, But after speaking with her, it seems to have prompted my tenants to get in touch with her (they said they were trying, but for some reason couldn't get in touch with her). Anyway, it looks like the first check is coming tomorrow to cover the past few weeks -- since the surgery. From this point forward, checks will arrive every week. With the first check, they're going to pay rent through the end of November. After that, they're going to give me a quarter of the month's rent each week from their checks.



I will still be a little behind, which I will collect when the wife gets her winter job (she couldn't get it earlier because "she needed to take care of her husband"). Overall, I am cautiously trying to help them through, Order Bromhexine with No Prescription. I certainly don't want to get burned, and will protect myself. On the other hand, I would like to keep them as tenants (assuming they don't get more behind. Enough is enough). They keep the place very neat, they fix things when needed, and they're very nice.



We'll see...

.

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Monday, November 27th, 2006

foreclosure Order Ibuprofen with No Prescription, I know I've mentioned the blog before, but I cannot stop reading I am Facing Foreclosure. Buy generic Ibuprofen, Just for the quick overview, Casey (the blogger) bought 8 properties to flip (not rent) with a combined value of over $2 mil, Ibuprofen samples. Ibuprofen gel, ointment, cream, pill, spray, continuous-release, extended-release, He did this by taking out over $140k in credit card debt, lied on his loan applications, buy Ibuprofen from canada, Buying Ibuprofen online over the counter, and put no money down. He is now suffering the consequences, Ibuprofen for sale. Ibuprofen price, coupon, Anyway, I just wanted to post a quote from one of his blog posts that struck me as funny, buy Ibuprofen from mexico. I have to admit that when I first read it, I felt a hint of jealousy, but quickly snapped out of it for obvious reasons, Order Ibuprofen with No Prescription. Buy Ibuprofen online no prescription, He is toying with the notion of renting out one of the houses that is being foreclosed:

I’m not paying the mortgage so why not collect some cash, right?

You know, order Ibuprofen online c.o.d, Comprar en línea Ibuprofen, comprar Ibuprofen baratos, I really wish I could just not pay my mortgages, and pocket the rent, where to buy Ibuprofen. Where can i find Ibuprofen online, Wouldn't you. He then enumerates the reason why renting is not worth it to him, order Ibuprofen no prescription. Fast shipping Ibuprofen, Funny. If you have any thoughts on how I can stop paying my mortgages please let me know, Ibuprofen trusted pharmacy reviews. Buy Ibuprofen online cod, However, I will not consider suggestions that result in foreclosure, Ibuprofen over the counter. Online buying Ibuprofen hcl, Thanks sercasey for the image. Rx free Ibuprofen. Buy no prescription Ibuprofen online. Buy Ibuprofen without prescription. Buy cheap Ibuprofen no rx. Canada, mexico, india. Purchase Ibuprofen online. Japan, craiglist, ebay, overseas, paypal. Kjøpe Ibuprofen på nett, köpa Ibuprofen online. Where can i buy Ibuprofen online. Order Ibuprofen from mexican pharmacy. Buy Ibuprofen no prescription. Order Ibuprofen from United States pharmacy. Order Ibuprofen online overnight delivery no prescription. Where to buy Ibuprofen. Where can i buy cheapest Ibuprofen online. Australia, uk, us, usa.

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Monday, September 4th, 2006

Police tape Order Viagra Oral Jelly with No Prescription, Flooding has been in the news a lot recently, and it can (obviously) be very devastating for a real estate investor. For example, online buying Viagra Oral Jelly hcl, Buy cheap Viagra Oral Jelly, look at what happened to investors whose buildings were flooded in New Orleans due to Katrina: instantly they're no longer collecting rents, their properties require extensive repairs, fast shipping Viagra Oral Jelly, Purchase Viagra Oral Jelly online, and their investments are worth significantly less than before the flood. Future investors will certainly need to factor these risks into any future purchases, order Viagra Oral Jelly no prescription. Purchase Viagra Oral Jelly online no prescription, The above case is pretty easy to analyze because the risks are fairly well known. There are times when the problem isn't so straightforward, online buy Viagra Oral Jelly without a prescription.

One such case is when flood patterns change, sometimes very unexpectedly, Order Viagra Oral Jelly with No Prescription. Viagra Oral Jelly gel, ointment, cream, pill, spray, continuous-release, extended-release, The Delaware River, for example, where to buy Viagra Oral Jelly, Buy generic Viagra Oral Jelly, runs along the border between New Jersey and Pennsylvania. Anybody who is familiar with the Delaware and its river towns are most likely familiar with the notorious Flood of 1955, kjøpe Viagra Oral Jelly på nett, köpa Viagra Oral Jelly online, Japan, craiglist, ebay, overseas, paypal, which was the worst in living memory. Afterwards, where can i buy cheapest Viagra Oral Jelly online, Purchase Viagra Oral Jelly, there was a long period without much flooding. Seemingly all of the sudden there have been a series of very bad floods the past few years, australia, uk, us, usa. Order Viagra Oral Jelly with No Prescription, In fact, if you examine historical flood data, you'll see that half of the "Major Flood Stage" crests on record occurred in 2004-2006 (For these numbers, I am using historical crest data at Riegalsville, PA. Buy Viagra Oral Jelly without a prescription, Major flood stage is 30ft.).


  1. 38.85 ft on 1955/08/20

  2. 35.90 ft on 1903/10/10

  3. 34.07 ft on 2005/04/3

  4. 33.62 ft on 2006/06/29

  5. 32.45 ft on 1936/03/19

  6. 30.95 ft on 2004/09/19


The first question that comes to mind is, buy no prescription Viagra Oral Jelly online, Where can i order Viagra Oral Jelly without prescription, why all of the sudden have there been so many floods. Proposed reasons include (source):

  • Poor management: floods could be minimized by regulating flow into and out of reservoirs that release water upstream

  • Overdevelopment and construction, buy Viagra Oral Jelly without prescription, Buy Viagra Oral Jelly from mexico, both along the main stem of the river and its tributaries.

  • Bad luck. Too much rain, buy cheap Viagra Oral Jelly, Comprar en línea Viagra Oral Jelly, comprar Viagra Oral Jelly baratos, too quickly.


A friend of mine lives on the river in what was thought to be a 50-year flood-plain (this means that he has a 1/50 chance, or 2%, online buying Viagra Oral Jelly hcl, Australia, uk, us, usa, of having his house flooded in any given year). The river entered his house in each of the three floods listed above, Order Viagra Oral Jelly with No Prescription. Each time, canada, mexico, india, Online buy Viagra Oral Jelly without a prescription, he has had to refinish walls, replace appliances, where can i buy cheapest Viagra Oral Jelly online, Order Viagra Oral Jelly from United States pharmacy, landscape his washed-away driveway and yard, etc, Viagra Oral Jelly for sale. Buy Viagra Oral Jelly online cod, His house was worth upwards of a few million dollars in 2003, and he believes that these floods could have eaten away over 30% of this value, where to buy Viagra Oral Jelly. Viagra Oral Jelly gel, ointment, cream, pill, spray, continuous-release, extended-release, His flood insurance does help somewhat, however each flood still ends up costing him thousands of dollars, purchase Viagra Oral Jelly online no prescription, Real brand Viagra Oral Jelly online, not to mention the hours of work preparing, evacuating, where can i buy Viagra Oral Jelly online, and then restoring. He personally believes that upriver construction is primarily responsible for the problem, and is interested in selling the property if he can get what he believes it is worth. Order Viagra Oral Jelly with No Prescription, He acknowledges that this will most likely require him to wait for an extended period without floods.

As an investor, how can you prepare for a situation like this. Should you simply avoid buying a place anywhere near rivers or lakes. If not, how do you prepare for the potential financial hit. How about other natural disasters, like earthquakes in California.

Personally, each of the places that I've purchased are in areas where it is highly unlikely that they're going to have problems with a flood, and I am certainly comforted by this. I can appreciate how desirable water-front property is, but I believe that in order to purchase it as an investment you need to have a very large slush fund set aside (making it much less lucrative).

(Note: I took the above picture in Lambertville, NJ in April, 2005. If you would like to see more, check out this guy kayaking in his backyard, a submerged river-front shop, or an image of the Lambertville Station (there are two parking lots under there.).

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Friday, September 1st, 2006

Order Gliclazide with No Prescription, Now that my troubled tenants are out and I know the place isn't too damaged, I can post this without being as wary. Reuters is carrying a bizarre story about an evicted tenant that blows up his landlord's flat:

LISBON (Reuters) - An 80-year-old man blew up his flat on Monday to retaliate for being evicted by his landlord, comprar en línea Gliclazide, comprar Gliclazide baratos, Gliclazide gel, ointment, cream, pill, spray, continuous-release, extended-release, bringing down part of his five-floor central Lisbon block and setting it alight.

"He had threatened neighbours that he would blow up the place if he ever got kicked out, buy Gliclazide no prescription, Order Gliclazide online c.o.d, " Carlos Pinto, a fireman with the Lisbon fire brigade, buy cheap Gliclazide no rx, Gliclazide for sale, told Reuters. "I guess he kept his promise."

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notice1 Order Avodart (GlaxoSmithKline) with No Prescription, Well, today at noon I met the Court Officer at my property to finally evict my tenants. Purchase Avodart (GlaxoSmithKline) online no prescription, When I arrived, he had already placed a note on the door reading:

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He knocked on the door several times, order Avodart (GlaxoSmithKline) online overnight delivery no prescription, Canada, mexico, india, there was no response and no sign of the dogs. I unlocked the door and we went upstairs.., australia, uk, us, usa. Buy Avodart (GlaxoSmithKline) online cod, The place was a mess. The first thing that I noticed was that they pulled up the rugs in the hall and the master bedroom, the rugs that I had paid them to put in about 10 months ago (at a good price including time and materials, and when I inspected soon after installation looked good), Order Avodart (GlaxoSmithKline) with No Prescription.

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The next few weeks will still be interesting, but at least I know where things stand and I don't have to worry about being liable for those vicious dogs. Unfortunately, I do not think that the apartment will be ready for September 1st, but hopefully by the 15th.

The line of the day goes to my friend's girlfriend, when she came up with today's theme song:

Who kicked the dogs out.

Rick, Rick, Rick Rick.

.

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