- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Coaching Changes
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
GaryOwen
| Favorite team: | LSU  |
| Location: | |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 190 |
| Registered on: | 11/5/2008 |
| Online Status: | Not Online |
Recent Posts
Message
3 areas of advice, from experience.
1. If you do use a general contractor, make sure you put a deadline for completion on the contract with daily monetary penalties if not completed by the deadline.
2. If you are building in Louisiana, the New Home Warranty Act is basically to protect the builder, not you. If you have any problem, and I do mean any problem, that the builder won't resolve then file a lawsuit. DO NOT LET THE BUILDER STRING YOU ALONG. Notify the builder of the problem in writing and give them a reasonable amount of time to correct the problem. (BTW, no one has been able to define reasonable for me) If you do these steps and still have problems, then file the suit, and make sure you do it within 13 months of the date of occupancy. Outside of the 13 month date, you will be facing a major hurdle- which isn't by accident I may add.
3. Mentally walk through every area of your home on the plan and take note of locations for light switches and receptacles. Ask yourself for what purpose will every space be used for and plan accordingly.
Good Luck.
1. If you do use a general contractor, make sure you put a deadline for completion on the contract with daily monetary penalties if not completed by the deadline.
2. If you are building in Louisiana, the New Home Warranty Act is basically to protect the builder, not you. If you have any problem, and I do mean any problem, that the builder won't resolve then file a lawsuit. DO NOT LET THE BUILDER STRING YOU ALONG. Notify the builder of the problem in writing and give them a reasonable amount of time to correct the problem. (BTW, no one has been able to define reasonable for me) If you do these steps and still have problems, then file the suit, and make sure you do it within 13 months of the date of occupancy. Outside of the 13 month date, you will be facing a major hurdle- which isn't by accident I may add.
3. Mentally walk through every area of your home on the plan and take note of locations for light switches and receptacles. Ask yourself for what purpose will every space be used for and plan accordingly.
Good Luck.
1
We didn't lost to Bama during the season last year.
re: Official Bowl Possibility Thread (keep all comments here)
Posted by GaryOwen on 11/24/12 at 8:47 pm to bayoubengal44
Wow! We're going to the Chick Fil A Bowl! What a game!
No doubt there are people on this board that know what they are talking about. Asked a question based on something in the news and got :lol:
at. Sorry to bring it up.
at. Sorry to bring it up.
re: Possible Interest Rate Increase
Posted by GaryOwen on 7/29/11 at 1:52 pm to TheHiddenFlask
Doubt it.
re: Possible Interest Rate Increase
Posted by GaryOwen on 7/29/11 at 1:24 pm to TheHiddenFlask
quote:
Thanks a lot, your P4WN FAIL was too strong and made me burst into laughter. Now my boss is looking at me.
It wasn't a P4WN FAIL. It was on the news that was being discussed. A-hole. Get back to working your sorry job.
re: Possible Interest Rate Increase
Posted by GaryOwen on 7/29/11 at 11:56 am to LSURussian
Was watching Fox and they had a story that talked about consequences of not having the debt ceiling rasied. Stated that one of the consequences could be the fed raising rates. Went on to talk about how that would effect on car loans and mortgages. Guess Fox New doesn't understand interest rates then?
Possible Interest Rate Increase
Posted by GaryOwen on 7/29/11 at 11:46 am
Any chance that this conjured up "debt crisis" is just a back door way for the Fed to raise interest rates?
Fed can claim we had no choice, we had to do it.
Fed can claim we had no choice, we had to do it.
1st- I don't work for Wal Mart, so I don't see why I need to scan items and go through the check out process myself. Basically this is free labor for Wal Mart.
2nd- #1 wouldn't be that big of a deal in and of itself, except for the fact that you are depending on the typical Wal Mart patron to go through the automated checkout process which is inefficient, to say the least.
3rd- Picture this. There are @ 20 check-out lanes at the store with about 5-6 being staffed by "non skilled" check out laborers, 5-6 "automated" lanes, and @ 10 empty lanes with no automated checkouts and nobody working a register. You end up with check out lanes about 10 people deep all pissed off b/c convenience and efficiency just went out the window.
I rarely go to Wal Mart anymore.
2nd- #1 wouldn't be that big of a deal in and of itself, except for the fact that you are depending on the typical Wal Mart patron to go through the automated checkout process which is inefficient, to say the least.
3rd- Picture this. There are @ 20 check-out lanes at the store with about 5-6 being staffed by "non skilled" check out laborers, 5-6 "automated" lanes, and @ 10 empty lanes with no automated checkouts and nobody working a register. You end up with check out lanes about 10 people deep all pissed off b/c convenience and efficiency just went out the window.
I rarely go to Wal Mart anymore.
re: Liesman: "you don't need jobs to turn an economy around"
Posted by GaryOwen on 6/6/11 at 5:26 pm to John Merlyn
Actually I think you failed.
Walmart: Stop hiring unskilled workers an replace them with automated check outs.
Me: Stop going to Wal Mart!
Walmart: Stop hiring unskilled workers an replace them with automated check outs.
Me: Stop going to Wal Mart!
4.00% on a 30 yr back in November.
Hate to be the one to break it to you, but after the split you only have 1 share. My understanding is they didn't do partial shares. Your 8/10 of a share should have got refunded to you in cash.
re: Citi up 876.99%
Posted by GaryOwen on 5/9/11 at 9:14 pm to Blakely Bimbo
Own a small, and I do mean small amount of it. I was interested to see if it would bounce after the split.
No one made money on this crap today (ok maybe some shorties, but that's it).
It was a 10:1 reverse split and it was actually down for the day.
It was a 10:1 reverse split and it was actually down for the day.
re: A story about to break about one of the top Louisiana companies getting busted..
Posted by GaryOwen on 4/7/11 at 8:34 am to Interception
quote:
Geneva
You mean Gentiva?
re: FAFSA & Pell Grant question
Posted by GaryOwen on 3/1/11 at 2:58 pm to Thundercles
I think you are just going to have to wait until 2012 when you can show little to no income.
I did this (although it was 20 years ago), and got a PELL grant the following year. Not sure if anything has changed since then.
You should still have the Army College Fund (if you were in the Army) or GI bill to pay for monthly expenses?
I did this (although it was 20 years ago), and got a PELL grant the following year. Not sure if anything has changed since then.
You should still have the Army College Fund (if you were in the Army) or GI bill to pay for monthly expenses?
re: Bought a House in 2010
Posted by GaryOwen on 2/8/11 at 1:06 pm to Springlake Tiger
From IRS website minus the examples....Not sure what your situation is though.
Maximum Exclusion
You can exclude up to $250,000 of the gain on the sale of your main home if all of the following are true.
You meet the ownership test.
You meet the use test.
During the 2-year period ending on the date of the sale, you did not exclude gain from the sale of another home.
You may be able to exclude up to $500,000 of the gain on the sale of your main home if you are married and file a joint return and meet the requirements listed in the discussion of the special rules for joint returns, later, under Married Persons .
Ownership and Use Tests
To claim the exclusion, you must meet the ownership and use tests. This means that during the 5-year period ending on the date of the sale, you must have:
Owned the home for at least 2 years (the ownership test), and
Lived in the home as your main home for at least 2 years (the use test).
Exception. If you owned and lived in the property as your main home for less than 2 years, you can still claim an exclusion in some cases. The maximum amount you may be able to exclude will be reduced. See Reduced Maximum Exclusion , later.
Period of Ownership and Use
The required 2 years of ownership and use during the 5-year period ending on the date of the sale do not have to be continuous nor do they have to occur at the same time.
You meet the tests if you can show that you owned and lived in the property as your main home for either 24 full months or 730 days (365 × 2) during the 5-year period ending on the date of sale.
Temporary absence. Short temporary absences for vacations or other seasonal absences, even if you rent out the property during the absences, are counted as periods of use. The following examples assume that the reduced maximum exclusion (discussed later) does not apply to the sales.
Reduced Maximum Exclusion
If you fail to meet the requirements to qualify for the $250,000 or $500,000 exclusion, you may still qualify for a reduced exclusion. This applies to those who:
Fail to meet the ownership and use tests, or
Have used the exclusion within 2 years of selling their current home.
In both cases, to qualify for a reduced exclusion, the sale of your main home must be due to one of the following reasons.
A change in place of employment.
Health.
Unforeseen circumstances.
Unforeseen circumstances. The sale of your main home is because of an unforeseen circumstance if your primary reason for the sale is the occurrence of an event that you could not reasonably have anticipated before buying and occupying your main home
Maximum Exclusion
You can exclude up to $250,000 of the gain on the sale of your main home if all of the following are true.
You meet the ownership test.
You meet the use test.
During the 2-year period ending on the date of the sale, you did not exclude gain from the sale of another home.
You may be able to exclude up to $500,000 of the gain on the sale of your main home if you are married and file a joint return and meet the requirements listed in the discussion of the special rules for joint returns, later, under Married Persons .
Ownership and Use Tests
To claim the exclusion, you must meet the ownership and use tests. This means that during the 5-year period ending on the date of the sale, you must have:
Owned the home for at least 2 years (the ownership test), and
Lived in the home as your main home for at least 2 years (the use test).
Exception. If you owned and lived in the property as your main home for less than 2 years, you can still claim an exclusion in some cases. The maximum amount you may be able to exclude will be reduced. See Reduced Maximum Exclusion , later.
Period of Ownership and Use
The required 2 years of ownership and use during the 5-year period ending on the date of the sale do not have to be continuous nor do they have to occur at the same time.
You meet the tests if you can show that you owned and lived in the property as your main home for either 24 full months or 730 days (365 × 2) during the 5-year period ending on the date of sale.
Temporary absence. Short temporary absences for vacations or other seasonal absences, even if you rent out the property during the absences, are counted as periods of use. The following examples assume that the reduced maximum exclusion (discussed later) does not apply to the sales.
Reduced Maximum Exclusion
If you fail to meet the requirements to qualify for the $250,000 or $500,000 exclusion, you may still qualify for a reduced exclusion. This applies to those who:
Fail to meet the ownership and use tests, or
Have used the exclusion within 2 years of selling their current home.
In both cases, to qualify for a reduced exclusion, the sale of your main home must be due to one of the following reasons.
A change in place of employment.
Health.
Unforeseen circumstances.
Unforeseen circumstances. The sale of your main home is because of an unforeseen circumstance if your primary reason for the sale is the occurrence of an event that you could not reasonably have anticipated before buying and occupying your main home
re: LSU'S last three years...Just a bare bones look....
Posted by GaryOwen on 1/12/11 at 8:27 am to LSU Fan 90812
I see a coach who has never finished with less than 2 losses.
re: Home and Away Oppenents 2011
Posted by GaryOwen on 1/4/11 at 12:08 pm to Brettesaurus Rex
Finally, Chicago at HOME!
Ding Ding Ding! We have a winner!
Popular
37
