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Current Law Students / Any benefit to going without a realitor?
« on: December 19, 2008, 09:17:02 AM »
I have been looking around a lot on google maps, and I can find a lot of houses that I'd like to see.  Say I just called that realitor up and looked at the house, and did this until I found one I liked.  Couldn't I save 1-2% by doing this?  That is a lot of money when you are talking about $400k house.

Current Law Students / Re: Closing costs on buying a home??
« on: October 30, 2008, 11:37:05 AM »
$5k would seem a lot more reasonable.

Current Law Students / Closing costs on buying a home??
« on: October 30, 2008, 06:36:59 AM »
I am looking at buying a house in the low $300's sometime next year.  I was shocked to learn that closing costs can be 3 to 6%.  I have been saving a lot in an effort to have a 10% downpayment, and I am a little depressed to know that more than half of this could potentially be blown on fees.  If I buy a home for $325k and have to pay 6% closing costs, that is $19,500 down the drain.  What is involved in this that could cost anywhere close to $19,500?!?

Is there any way to minimize closing costs?  Is 3% more common than 6%?  I have heard that sometimes the seller will split it with you, how common is that?  Any info would be appreciated.

You are wasting your own time.

I could carry cash.  Or I could tell a waitress to do her job.  Maybe I'll do both.

Try making everyone's life easier and use the calculator that is on pretty much every cell phone on the planet to figure out exactly what you owe, plus tax and tip, then plop it down on the table and start talking about something interesting.  If they don't like it, force them to explain why, loudly, so everyone can hear why the guy who should owe $28 ends up paying $75.  If they don't like that, stop eating dinner with these a-holes and find some cooler friends.

It takes literally 3 minutes tops for four people to figure out exactly what each one owes.  As for the credit card/ATM bull, here's an idea - if you are going to dinner, make sure you have 1 twenty, 1 ten, 2 fives, and ten singles.  If you think you're going to spend more than $50 on dinner for yourself (you aren't a big fat guy, are you?) bring an extra twenty and treat yourself to the extra surf and turf.  Once upon a time, they didn't have credit cards or ATM's (OMG SRSLY?!?!?!!!!! LOL) and people used specially marked paper and metal called "money" to exchange for goods and services.  They carried some of this "money" when they went out for entertainment or meals. 

When they see you've put down a reasonable amount, they should follow suit.  If not, maybe you have bad friends who need to be punished.  In that case, wait until the bill comes, say "Hey, isn't that Kanye West over there?", and run like hell.

That'll learn 'em.

Or, be a pal and ask the waiter to keep you on a separate check.  You can do this discreetly if you are afraid your friends might find out that you don't like paying for some dickwad's expensive cocktails and steak by approaching the waiter shortly after you order your drink while on the way to the bathroom.

I dealt with this when I was 16, so take some advice from a pro - if someone doesn't have enough to pay for their full share, loan them twenty bucks (which you'd have in your pocket if you carried cash) and tell them to pay you back later.

Most of all, the best lesson here is that you should always carry some cash.  Period.  Credit cards and ATM/Debit cards are great, but money is accepted everywhere.  Literally.

I haven't left the house with less than $50 in my wallet since I was 18 years old.  Try it.  You'll have fewer problem like this.

A long diatribe about nothing...

People really get hot and bothered before they even comprehend what is being said.  I don't have any problem telling a waitress to separate a bill, I have a problem with people who are opposed to asking the waitress to do so.  Does that clear things up?

It is also a little bit about sloppyness and entitlement.  If three dudes who are all the same age walk up to the bar and order wings and beers, the bartender should just keep their tabs seperate to begin with.  Don't expect your customers to even up between themselves to save your minimal brain exertion. 

Would an attorney ask his client to just forget about a legal claim to save himself the trouble of addressing it?  Would a dentist ask his client to have tooth pulled to save himself the trouble of filling a cavity?

Considering I always tip more then 20%, I think the waitress can spend 2 minutes of her time to save me 15 minutes.

You missed the point entirely.  I am complaining about my friend insisting that I waste my time to save the time of a person who I am paying to serve me, and whose job it is to do so.  I don't give a damn about $9.50.

Now, don't get me wrong.  I am not the type of person that is rude or continually asks for things, but I have this friend that is borderline obsessed with making the server's job as easy as possible.  Every time we go out this guy insists on putting everything on one bill and then figuring out who pays cash to who.  Then if someone doesn't have cash they owe your $20 or $40, and you have to remind them about it later.  Or then I have to spend 15 minutes going by the ATM on my way to work the next day.  And it never works out right anyway, one guy is always drinking grey goose sprinkled with diamond dust while I am drinking coors light, and they always split the bill evenly.  So then my $20 diner and two beers ends up as $75 on my credit card, and after reminding Mr. Grey Goose for two weeks about the $37.50 he owes me, he finally hands me $28 dollars and calls it even.  All because my buddy insists that the waitress should not have to spend 3 minutes splitting the bill up.

When I was a waiter I split the bill up automatically between the couples, or if it was a bunch of single people.  The only time I would bring one bill out is if one person at the table was obviously older and likely to pay the whole tab.

If you are that guy, stop it.

Who gives a damn?  I will never understand why anyone would care about this.  If your firm pays well, has a good quality of living,gives you opportunity for advancement, and has skilled attorneys, why would it matter?

Current Law Students / Question on buying a home.
« on: October 17, 2008, 08:33:50 AM »
I am looking at buying a home that I will move into at the end of May.  I am liking the home values right now, and I am trying to figure out exactly how it works and if I may be able to go ahead and lock something in as early as January.  I studied this briefly for the bar exam, so I know that you have a sales contract that specifies a closing date.  At the date of the contract you haven't actually exchanged anything except for mutual promises.

So what is the average time between contracting and closing?  I assume five months would be extremely long.

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