And We’re Approved!

Got the call today that we are approved to make that next, albeit nerve wracking, step towards purchasing an investment property.  We have our eye on one.  Said we would visit it last weekend.  We didn't.  Maybe I'll see if it's still there this Saturday to go see.  If it is, maybe it was meant to be.   Regardless, I'm not out to buy something just to buy something... But I on the other hand I do what to buy something.  Hmmm...   This diversification of my current portfolio is going to lose me money in the short term.  I've sold stock to fund this purchase that has been up 30% over the past 12 months.  ADP to be exact.…

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How to Thaw Your Credit

I froze my credit after the big Equifax hack.  I needed to thaw it temporarily so my bank could run a credit check for my loan since I want to purchase an Investment Property   I tried logging into TransUnion first.  What a cluster F***.  I decided I was going to post links to make it easier to find how to Freeze and thaw your account after spending 5 minutes trying to honestly find where to have this done and not be sold some crap I don't need.   TransUnion:  https://freeze.transunion.com   (Costs $10 in my state) When you do TransUnion - Be sure to write down your username and password - and they will have you create a "PIN" for your…

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Dipping My Toe into Real Estate Investing

Today was the first step.  I filled out the pre-qualification for the loan.  Need to have that done first and foremost.  Next I have to go online and thaw my credit reports so they can do a hard pull.  Oh well, get ready for my credit to be knocked down a little due to that. I have a place/location in mind and a few houses in mind.  The numbers all work, not a ton of money, but the overall returns are good - and good diversification over the next 5 to 10 years. I'm thinking that buying the house will be the easy part.  Getting a renter and doing the books will be the harder part only due to the…

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Lake house Garage is ready for summer

Cleaned out the garage, took the car back home, and dewinterized the motorcycles. Need to change the oil in my Triumphs and bring the 68 Bonneville back home for a top end check up and a registration sticker. So that's next. The bike is ready to ride, just need a little oil on the chain and find a few trials near Gunstock to ride. I'm thinking of just taking a quick spin up and back while it isn't raining to get the bike.

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Enjoying Your Local Rail Trails

The old local rails are all gone.  With their demise they've left behind a perfectly graded and nearly straight path that cuts through the landside that town after town have been either paving over or packing down allowing for a great resource for running, walking, biking, etc. My town is no different.  While our rail is short and currently doesn't lead very far (they're working on it!) it is still a great resource and I've started enjoying it more and more. I've run into walkers, joggers, bikers, folks walking their dog.  I've done the latter myself.  There's a great bridge a mile down the trail where you can go down the banks and let your dog take a quick dip,…

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Memorial Day Weekend Hike

Sunday the family decided it would be a good day to go for a hike.  By family I mean my wife.  I'm up for about anything and our daughter, well, she allows us to drag her along.  It started with a sour face but got better as the hike went on. Today we decided to hike up Belknap mountain. It is rated an Easy hike by the Family Hike page found here:  http://nhfamilyhikes.com/hikes.php?hike=Belknap%20Mountain But I call BS on that.   Is the trail challenging?  No.  I've been on hikes where I need both hands and feet.  This was a nice trail but the trail was straight up!  I was wiped out by the end. It's roughly a 2.0 mile hike.  Everywhere states…

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Padron 80th and a Juicy Ass?

Friday night, Memorial Day weekend, and a long hard week it was time to sit around the fire pit and have my ritual cigar and beer. The cigar is a Padron 80th Anniversay. Yeah, I went all out this Friday. The cigar is a favorite of mine. It is quite a strong cigar - not for first time smokers or even season cigar aficionados on an empty stomach! Very smooth, and very little spice on the palate. Highly recommended though. I accompanied it with a new to me beer called Juicy Ass. Juicy Ass is a Canadian craft brew produced by Flying Monkeys. Here is the back describing this particular IPA A very hoppy beer with a citrus after taste…

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