Craigslist sf owner

Hey everyone! I’m from the Midwest (IN) and I’m trying to plan a move to SF by late July. It’s all happening really quickly as I just visited and applied to a grad school program in SF earlier this month. There’s a lot I’m trying to figure out in a little bit of time and the biggest question is how to find somewhere to live that I can afford and that I feel comfortable in.
I’ve heard not great things about Tenderloin but that’s where I’m finding apartments closest to my budget. I’m curious if it’s a rough as people make it sound or if it’s a livable place with usual dangers of a big city neighborhood? I didn’t get a chance to look at the neighborhood while I was in town visiting so I wasn’t able to get my own gauge on how it felt. So I’m curious what locals would say.
Also, I’m open to any suggestions for securing housing outside of what comes up on a google search or Craigslist while searching from a different state.
Any neighborhoods to check out? To avoid?

Hey SF, my future roommate and I will be moving to the city over the summer and wanted your opinion on an apartment we’re interested in.
The location is 240 Lombard St. and it’s a condo complex where we’ll be renting from the owner.
We love the apartment - it’s spacious, good roommate layout, in unit laundry, safe (?) and reasonably priced for us.
Our only concern was the location. We’re new to SF so don’t really know what to think of the location but here were our thoughts: Because it’s under / to the east of the hill, we will have to walk/bike around the hill to get anywhere. It also doesn’t seem to be the most central location. Seems like the closest restaurants and bars are 10-15 minutes away, but we might be wrong. Also we’re unsure about safety.
Since we aren’t the best judge of the location, we wanted your advice - what do you think of 240 Lombard St.?
Thanks in advance and excited to be living in SF soon!

https://www.dailymail.co.uk/news/article-12117581/amp/Billionaires-war-Nantucket-CLAM-SHACK-SF-Giants-owner-Charles-Johnson-wants-shut-down.html

12 league 1/2 PPR SF
$25 per year
Hosted on Sleeper
Picking from the 1.03 and owns all picks
Waiting for new owner to start rookie draft
DM for details

I bought a car last month (1999 4 Runner) from Craigslist (private seller). It turns out to have a totally rusted chassis and is not safe for the road. No New York State inspector will pass this vehicle and is unrepairable.
He listed it in EXCELLENT condition, SOLID FRAME. I chose not to have it inspected and bought it after test drive.
The bill of sale reads “as is”, which I signed. BUT- he fraudulently sold and signed the bill of sale with the previous owner’s information instead of his own name. Shouldn’t this warrant the bill of sale invalid?
He has blocked my number and won’t respond.
Is there any advice on how to get my money back or return the car to him?
Thank you.

I bought a car last month (1999 4 Runner) from Craigslist (private seller). It turns out to have a totally rusted chassis and is not safe for the road. No New York State inspector will pass this vehicle and is unrepairable.
He listed it in EXCELLENT condition, SOLID FRAME. I chose not to have it inspected and bought it after test drive.
The bill of sale reads “as is”, which I signed. BUT- he fraudulently sold and signed the bill of sale with the previous owner’s information instead of his own name. Shouldn’t this warrant the bill of sale invalid?
He has blocked my number and won’t respond.
Is there any advice on how to get my money back or return the car to him?
Thank you.

Today I fucked up, I thought I was ready. Took classes, watched hours and hours of videos, spent hundreds on expensive pet care to prep for this dog.... I'm not ready for a dog.... I thought I was.... I'm not. I have BPD and the last few days I have been having a high (manic episode). Instead of thinking about it rationally, I just looked on craigslist and contacted the owner about the first on I saw. He is gorgeous, 2 different color eyes, beautiful coat. Hes a Catahoula Bull Dog. It was a long drive to and from and he was good for that. Now, hes home... Something as simple as taking him out for the restroom... something as simple as putting him to bed... Something as simple as feeding him... those are out of order but yeah... I know its only day one, but I am realizing my mental whateverthefuck and the routine of a dog, is too much. I thought I was so ready.... I really really did. I dont know what to do. He is a good boy, so good... I just, i don't know. Im all fuckee up about it. TL;DR I spent over hundreds on stuff, classes and the dog itself, just to get home and relize what i threw myself into. This isnt a cat, its a dog. There is a difference and my mental health may decline from this. I fucked up.

We have 1 opening in our 16-team cats dynasty basketball league and 2 openings in our 10-team cats dynasty hockey league! These are Free leagues with long-term committed members.
Right now we are looking for 1 duel-sport owner to take on the basketball/hockey team and another owner to take on the solo hockey spot. Looking for an owner who would be interested in being duel sport owners in our football and baseball leagues in the future if/when spots open.
Basketball information: League has existed for over 13 years. 16-Teams, PG/SG/SF/PF/C/2U/10Bench, 8-Cat League (FG%/FT%/3PM/REB/AST/STL/BLK/PTS), 2 round rookie draft not yet scheduled for the upcoming season. This is the available team. Team also has pick #20 (2.04) in the upcoming draft.
Hockey information: League has existed for over 3 years. 10-Teams, 4C/4LW/4RW/6D/2G/10Bench, 9-Cat League (G/A/PPP/SOG/HIT/SV/GAA/SV%/GW%), no rookie draft. The 2 new hockey owners will draft their own teams from the 2 orphan teams and free agency (because McDavid). Team 1 (part 1) Team 1 (part 2) Team 2 (part 1) Team 2 (part 2)
We have a core group of guys who are in all 4 of our sports leagues (Baseball/Football/Basketball/Hockey) and are looking for 2 new members who would like to be a part of it. The leagues are all hosted on ESPN and we keep all of our league information on a dedicated facebook group page. We communicate exclusively on facebook chat - where there is constant daily chatter. If you are interested or have any questions - shoot me a DM!

Residential Contracting 101
With over 20 years of building experience, I would like to share with you my insights in navigating becoming a successful contractor. With many different avenues of the building world its key to understand what problems will arise on any given day. A man once told a saying that stuck-the 6 p’s in life- Piss Poor Preparation leads to Piss Poor Performance. Preparation builds everything in construction, without preparation the jobsite will not run correctly. The best advice I was ever given was to learn a little about every trade giving you the ability to understand trade lingo and secrets. An example would be painters use the terminology flash; this means when the sub structure bleads through the paint. Subcontractors will give the best pricing if they respect your knowledge of the industry. If the subcontractor feels they will have to hold your hand through the job they will charge an extra fee…i.e. I call it the aggravation fee. In this blog I will explain the key elements in finding success in all aspects of the industry. Contracting is a physically and emotionally demanding job which requires planning and foresight to complete projects on time within budget. Picking your customer is just as important as picking your employees or subcontractors. I have worked for some of the most demanding customers leading me to question at the end if the job was even worth it. Sleepless nights, constant changes, lack of payment, lawsuit threats, adding work that was in the contract are just a few things you could face with a tough customer. With so many moving parts at all times it is critical to be able to adapt to changes within a short time frame. Materials will come in damaged, subcontractors will be late, employees will get sick, but the deadline you set does not change. The stress can be overwhelming at times keeping your mind in a good place is key to navigating all that is thrown at you. Choosing your client picking the right jobs-Keep these questions in mind The first question to be asked is what the time frame is to start the job to see if it fits within the timeframe for your business. If the time frame doesn’t work then move on from the project or let them know when you would be available to start. If the client really wants to use, they will wait until you are available. Taking on too much work will only lead to problems. Construction is a serviced based business, staying on top of the project and client will eliminate an unhappy customer and construction issues that will be over seen. With online presence if details are missed and customer service lacks it will only be a matter of time the phone will not ring. The second question to be asked to the client is do they have a budget in mind for the project. If they answer yes this is good, follow through with what the budget is. If the budget seems low let them know, this will eliminate a tire kicker, educate them on what the price range could be. If the budget seems reasonable then continue the discussion to the next question. If they answer no let them know that you can give them an estimate to see if the project is feasible with their finical capabilities. Taking on a job that is not correctly budgeted will lead to an unsatisfied customer due to non-transparency of the construction cost. The third question to be asked is anyone else bidding on the job, if the answer is yes, understand you might just be number check for the contractor doing the job. Dig a little deeper and find out how many numbers they are getting and why. If your business model is to be competitive be completely transparent with customer, this will gain trust with them. Let them know you get what you pay for and if you they choose the lowest bid it could lead into lack of quality of work.
The fourth question I will ask is there any specific subcontractors they wanted to use. If the answer is yes then I would explain to them you only use the subcontractors you have a working relationship with. Otherwise, this could backfire as the subcontractor might not show, do subpar work, talk behind your back to the homeowner. In my experience I would stay away from using any homeowner to alleviate problems down the road. A quick conversation now can save headaches down the road. The fifth question I will ask are planning on getting the job permitted, this needs to be known it takes more time for the permitting process. Plans will have to drawn submitted and approved to the city before work can commence. The sixth question I will ask if a residential remodel is are you going to be living through the remodel if yes understand this will take more time to navigate the project due to answering questions and cleaning the house on a daily occurrence. I would recommend seeing if the customer would be willing to move into an Airbnb or friends for at least the demo portion of the project. If they do plan on living through the remodel add a couple hours a day to accommodate the extra time that will be required. The seventh question I would ask in a residential remodel is how old the house is to see if there is asbestos that would need to removed by a proper company. A home built before 1979 will most likely have some asbestos in the house, use a licensed company with proper insurance to dispose of the materials. If everything looks good to this point find out a little more about the client personality. If the client seems reasonable, I would bid the job. Unreasonable people can cause you more stress than its worth. These are some red flags I would look out for. Some jobs are not worth the money. Very demanding in the way you are going to perform your job- I.e., tell you how you are going to do your job- You’re the professional not them! Give you a hard time about your price- haggle with price you estimated- The price is the price! If they are a family with little money and you want to help them out is one thing, if they are trying to beat you down is another. Mention they have a lawyer-there is no need for them to bring up that they have a lawyer - Run for the hills as if the job goes south, you will be the one losing out! Tell you what the payment terms are. It’s your business you get paid how it works for your company. If you want to get paid every Friday, put it into your contract-If the clients do not agree move on it will save you frustrations If they talk bad about the last contractor, chances are they will talk bad about you. There is a reason why the contractor does not work for them anymore, unless he did subpar work this a red flag Clients are using an interior decorator that will purchasing all of the materials- The materials could be ordered incorrectly by the interior designer your company will not make the mark-up it deserves. Interior decorators usually add time to the job as well as act like your boss. Charging a little extra for the time and stress that it will entail is only fair. Clients want to purchase the materials- You are using your knowledge to buy the correct materials-The mark up on the materials keeps the doors open working for wages only pays the bills The husband and wife do not get along-You will become the mediator between the couple it will lead to taking sides a losing proposition- A drama free work place is always best! Dangling carrot-if you do this job the next one will be better-Only look at what there offering at the present moment, if its not a good fit do not take the job for a job down the road…Its not worth chasing a job that might not happen! The Art of the Sale First things first selling your company is all about presentation. In meeting your clients for the first time show up with a collared golf shirt tucked in, belt, nice jeans, and newer shoes. Have a truck that a clean, no dents scratches, preferably washed the day you are going into your meeting. Have a leather note pad that is clean no dirt or paint visible. Show up 5 minutes early, if you’re running a little late shoot them a text to let them know. Treat the situation as if were going on a first date, best foot forward. As you introduce yourself give them a warm greeting, letting them know you are very interested in the work. Find out a little about them, hobbies, where they lived, etc etc. You are going to be working with them on a daily basis its nice to know what makes them tick. Having a good working relationship from the start is key forming a solid relationship. As the conversation progresses find out who wears the pants in the family…ie who’s the final decision maker. If its fits the wife, chances it is…..then kindly let the husband know happy wife happy life when their in a stall mate on an issue. As your looking at the project throw in some suggestions of what you think would look good from past experiences, this will get their attention that you have knowledge and want what’s best for them. If you see ways to save them money in their project let them know, money is a large point of the sale keep that in mind. Mention that you’re not the least expensive contractor but you’re not the most expensive either. Your customer satisfaction is your number one goal which leads to more time spent on keeping them happy. One happy customer will lead to another, one unsatisfied customer leads to work in the future. Bring up the fact the finishing the job on time is key goal to your business, many contractors run several jobs at once causing the jobs to be finished way behind schedule. You must stand out as having integrity, good morals, and the ability to problem solve to get the job. The clients will be testing you to see if you’re a good fit as well. Keep in mind as you take your notes that you must not forget anything they mention as it will come back before the job is completed…i.e. we mentioned that to you before we started the job! Take pictures of the proposed area for work, that way you can use it to better right your estimate. Let them know you will give them a detailed outline of when the job will be completed letting them see how long each phase will take and correlate it with your payment schedule. Before you leave their house let them know when the estimate will be sent to them. MAKE SURE YOU HIT THAT DEADLINE! Once you sent the email over with estimate make sure you get confirmation that they received it. Wait at least 2 days before checking with them, hopefully they contact you first! If they want negotiate the price, let them know that it is the best price that you can manage, its not worth losing money before you start. I closed 80% of the work I estimated by being very transparent and friendly. If you come off with an attitude charge double what the going rates are you might only land 1 out of 10 jobs as well as getting the reputation of being expensive. Bidding the job Looking up industry standards on pricing is what I would go buy for pricing. If you google the coat of any installation there will be a cost range for everything. Looking at the cost ranging from high to low I would tend to be in the middle. Some items might be low on the internet if this is the case use your best judgment not to lose money. Closing sales is key to success and keep the doors open for business. Being in the middle on pricing is key as most customers shy away from contractors that are extremely low or high on the price range. I tend not bid out hourly as wages do not pay for retirement. Bidding is better as customers no the exact price of the cost of construction. It also keeps the job moving quicker as time and material contractors take longer to complete projects…Thus costing the client more money and valuable time they could spend in their house. Using a Contract Using a detailed estimate tied to a contract covers your butt in 99% of the time. Having a piece of mind that every aspect of the job is covered in the estimate and contract protects both your company and the client. Key terms to include in your estimate/contract are. Have a schedule on excel showing the start dates and dates of each trade this will show the customer you are organized with time lines. If not written in the detailed in the estimate the item is excluded- This ensures if its not written down its not included. TBD- To be Determined- A phrase on a line item that has yet to had final decision of products or service needed. -The pricing will follow the decisions to be finalized Give out what your written warranty will be for parts and labor this changes state to state. If the homeowner provides the product than no warranty will be given on that particular item. In the contract have a start date and end date with the verbiage subject to change due to weather, product delivery, change orders Have a progress payment schedule to ensure the client understands when funding will be expected-Including if not payment is rendered service to the project will stop. Have written terms of how change orders will be charged-cost plus 20% or a set fee Make sure in your contract that arbitration is required versus going to court- This will save lawyer fees and going to court Many contracts can be found online and each state requires different contracts
Finding leads Finding leads is easy with the right network of people. I personally do not find working for friends or family members a good fit. Relationships get strained when money is involved, causing undue stress for both parties. I have listed a couple of ways to build a network or find work using the internet. Get in contact with realtor’s- Realtors have a big client base of homeowners who need work done Contact local Architects to see if they are working with any general contractors Leave some business cards at your local materials suppliers-Doowindow/lumber-many times clients will ask salesman for a referral. Join a business networking group- BNI is one of many Join a internet website lead generation company- Houzz, Angie’s List, Home Advisor, thumbtack, Yelp run an ad on craigslist Use a marketing company to market your website-This could become costly with little results Create a Facebook business page Create a Yelp business page
Building your subcontractor base Having 2 subcontractors for every trade, gives you the flexibility of completing jobs on time if the one the subcontractors is too busy at the time you need their service. Your subcontractors are the face of your business, choose owner run companies that are professional. Check to make sure there license are up to date..ie workman’s comp, liability insurance, state license. Choosing subcontractors with lettered vans, logoed t-shirts is s key to looking professional in the clients’ eyes. In the past I have gotten a lot of subcontractors for material supply shops, stopping by jobsites, researching the internet using Yelp, Home Advisor, etc etc. Once you get one good subcontractor ask them if they know any other trades they would recommend. One good subcontractor leads to another in most cases. The key to having a good group of subcontractors is to let them know that you are there to get help them get the job done. They do work for you but without them you are nothing…keep that in mind! Make them aware a clean jobsite is required at the end of everyday to ensure the proper safety for all parties including theirs! Over the years I have referred a lot of companies work when there is only 1 trade needed. Referring work to subcontractors is a good way to get top priority when you have work that needs to be completed ASAP. Timing is everything in times of emergency having a good group of subcontractors will make your business run smoothly. Pay your subcontractors immediately after performing work, this will make them feel appreciated! A happy subcontractor is one that will gladly go the extra mile for you knowing that there not just a number to your business! Buying lunch once a week for the jobsite is always a good token of appreciation!
Supervising In supervising any jobsite its key to monitor everything from materials on hand, weather, vehicle parking (if applicable), jobsite safety, and subcontractors’ workmanship. If you hired a professional there should be little supervision in the work being performed, on rare occasions a new hire might need some mentoring to get the results completed correctly. If you see a problem with there work address it with the worker directly, no need to call his boss…. building repour with the worker letting him know you got his back goes miles down the road! Checking in on the job first in the morning to answer any questions or changes that need to be conveyed and once in the afternoon to make sure all work be completed is done per construction industry standards. A job that is run blindly will have many more issues than one that is watched over. I have seen many jobs with no site supervision, leading to subpar quality work as well as safety hazards. Its better to be like an eagle than cluck like a turkey!
Working with the City/Inspectors On permitted jobs the city and site inspector will be a large part of how smoothly the job runs. Each phase of construction has an inspection allowing for the project to continue. Make sure your subcontractors are aware that the project is inspected before starting the job. The best way to stay on his good side is to provide a clean jobsite and having the job built to the highest standards possible. When having the site inspected be courteous to the inspector asking any questions or concerns you have with the work during the job. Being completely transparent will save you aggravation of problems down the road. The more he trust you the better if you seem sneaky or rude he will make your life a living nightmare! Many inspectors will have an attitude towards you….I suggest keeping quiet and doing what ever he wants….he’s the boss no need to get in a pissing match you will not win at. How to deal with irate customer Stay calm during any argument with an irate customer. Never raise your voice or show that you are bothered by their disgruntled behavior. If the customer is trying to get more from you than agreed upon stand your ground. Worst case scenario is you walk from the job, which in the long run be more of a loss for the client. I have only run into a couple of these clients; they are unreasonable and not worth losing sleep over a few dollars. Its best to terminate the relationship as it would be my best guess that a referral from this customer would not be one you wanted anyway. If you feel it was just a miscommunication on your end, take reasonability and remedy the problem. Taking accountability for your mistake will go a far way in their eyes and on future issues that arise. Prepping the homeowner pre-construction Before starting the job, it very important to give the homeowners a warning of what will happen during the construction process.

1. All furniture in the proposed working area must be moved- I would recommend having the clients take care of this to limit the risk of damage to their belongings.
2. There will be dust that will be in the house up to 3 months after construction-I would recommend hiring a construction cleaning company at the end of the job even so after it is cleaned dust will be present months after words.
3. There will be conflicts between you in the homeowner at some course of the job. - You will do your best to eliminate them as quickly as they arise-i.e. material damages, miscommunication, job delays
4. All decisions on materials must be made before the start of the job- this will eliminate job stoppage due to materials not being on site.
5. All materials will be on site before commencement of job-
6. Payment structures must be made per contract otherwise job will stop until payment rendered
7. Cars are to be moved out of the driveway- Ensures ease of loading and unloading of materials/tools
8. Give the specific hours that workers will be present- i.e. 7-3:30
9. Determine what areas are allowed to be used as staging for tools/materials
10. If animals are present in the home that they put outside or in a room during the day
11. All valuables in the house are locked in safe
12. Ask if using client’s household bathroom is okay or to bring in Porter Potty
13. Being transparent as possible is key to keeping a great relationship with your client!

During Construction During construction it is key to take detailed photos to eliminate any damages that were not caused by the construction process. I would also make a video to ensure all areas are included. All subcontractors should also take progress pictures to ensure if problems arise in the future, they will not be responsible for any work that they did not perform. Keep an on-going log of progress to the homeowners and share the pictures for there records. This will keep homeowners excited of the progress being made. When the house is gutted to the studs it is important to have construction photos showing where all utilities are run in the walls or sub floor. If there is a problem in the future there will photos showing all utility locations. Protect all flooring with plywood or floor protective. I also like to protect front door and tarp all areas where subcontractors are to be working. Make sure to cover any chandeliers/furniture/doorways with plastic to eliminate dust. Ask the homeowners if they have any concerns that they could think of. We’re all human and possibly a detail was missed! Post Construction Phase If the project went smoothly appreciation should be shown to the customer. Find out if the husband likes a particular type of liquor. Bring the wife a bouquet of flowers. Send a Christmas card to the family letting how much you appreciated the work. You know you have done a good job if they tell you they will refer you to their friends. The best compliment you could receive is a good referral. In Summary Try to find a knitch in the market, I found kitchens to be a great remodel projects. Bathrooms are tough as they are small, expensive with little profit margin with every trade involved. Windows/doors are also another great knitch as they can be installed quickly. There are so many different remodeling items that can be stream lined to make the selling installing process flawless. Once the core group subcontractors are in place the job almost runs itself. Every day is a learning experience with new materials or methods in construction. Keeping up with codes, materials, fluctuating labor and material cost is a job within itself. Anyone can be a contractor with the right mindset.

INTRO

• This post is intended to be a one-stop-shop for Utah housing questions, specifically in the North Wasatch Front. Whether you are an owner, renter, or moving from out of state, there are resources cited in this post to help answer your questions about local real estate, where to find it, and how to afford it.
• Outside of this thread, the SaltLakeCity wiki contains an abundance of local information about local activities, neighborhoods, internet options, and more!
• This post will be updated as local information changes or develops.
• For errors and omissions, or ideas to improve and compound on this resource, send the author a DM.

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TABLE OF CONTENTS

• Intro
• Table of Contents
• Maps
• Difference Between Owning and Renting: How State of UT Supports Each
• Financial Assistance
  • Owning
    • Grants and Down Payment Assistance
  • Renting
    • Where to Find Rentals
    • State Landlord/Tenant Laws
• Eviction and Foreclosure
• Out of State and Visitors
  • Climate
  • Neighborhoods
  • Mass Transit
• About the Author

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MAPS
Flood Maps
Earthquakes (and other geologic hazards)
Wetlands
Crime
Mass Transit (UTA)
School Boundaries
Military Bases
Regional and International Airports
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DIFFERENCE BETWEEN OWNING AND RENTING: How State of UT Supports Each

• UT realtors offer support for buyers and sellers of real estate. Unlike some states, they do not offer official/designated support for renters. Which means that as a renter, you are essentially on your own for finding housing. (There is no official infrastructure in place to accommodate this service for realtors. Their individual knowledge may vary.)
• There are financial programs for both owners and renters, but owners will see more diverse support.

​
FINANCIAL ASSISTANCE
For very low income families and stricken landlords who want financial assistance and information from the State, see the following link:
Dept of Workforce Services: Housing and Community Development
For a national landing page for housing resources, including tenant disputes, evictions, and foreclosures, see the following link:
USA.gov Housing Help
OWNING
You do not need 20% down on a mortgage for a primary residence.
This is a common misconception. The down payment on a primary mortgage typically starts at 3% of loan amount. This will change depending on factors such as loan amount, interest rate, term, and credit score. However, there are programs and grants (offered by the lender, state, and charities) that can assist in your down payment and greatly ease the upfront cost of your home purchase.
Consider that when you apply for a mortgage, the lender will take into account all reliable monthly payments when determining what you can afford. This includes principal, interest, mortgage insurance, HOA payments, property taxes, homeowners insurance, and other miscellaneous escrow payments. If a lender tells you that your monthly payment cannot exceed $xxxx, they include all of the above in that payment.
Mortgage Calculator

• Difference of prequalification and preapproval:
  • Prequalification is a shallow-depth process that allows the lender to ballpark how much they will lend you and at what rate.
  • Preapproval is an in-depth process that allows the lender to tell you exactly how much they will lend you and at what rate.

Talk to a lender for prequalification. You are not obligated to work with anyone you talk to! If you decide to have a loan officer pull your credit, you may request a copy of your credit report. You can take this report to other lenders to shop rates so that you don’t have multiple pulls on your credit. (Note that whatever lender you use to purchase your home will require their own pull of your credit at time of preapproval.)
Lenders will have their own in-house programs and/or grants to incentivize first-time homebuyers, military veterans, rural residents, and other unique circumstances. Ask what programs apply to you.
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GRANTS AND ASSISTANCE

• These are programs I have either worked with or have had recommended to me by trusted and experienced lenders. There may be other programs applicable to you that are not on this list.
• Grants usually have limited annual funding. They are first come, first serve.
  • It is absolutely worth it to check the resources below for grants that apply to you. These grants are often left with excess funds, meaning not everyone took advantage of this money that could (and should) have!

Utah Housing

• This is a successful HUD-supported program. Down payment assistance program in the form of a second mortgage. This is ideal for buyers with limited upfront funds. I have personally worked with multiple buyers who have taken advantage of this program and making homeownership possible.

Good Neighbor Next Door

• Financial assistance for law enforcement, teachers, firefighters, and EMTs in the form of a second mortgage.

VA Grants

• UT Dept. of VMA
  • For military veterans who are also first-time home buyers.

HUD-Supported State, County, and City Grants

• If you are looking in a specific city or county, start here.

Complete List of Searchable HUD-Supported Grants

• This will get you in the weeds. Set aside some time to comb for applicable programs.

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RENTING
WHERE TO FIND RENTALS
Locals use KSL, not Craigslist, for local listings including rentals.
Outside of KSL, the best way to find mom-and-pop rentals is by driving through a prospective neighborhood looking for rental signs (yep, I’m serious). Below are common websites used for rentals in UT.
Note that some of these sites IDX feed with each other, but there may be unique listings on each.

• KSL
• Rentler
• Apartments.com
• Zillow
• Trulia
• Realtor.com

HUD Subsidized Housing
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STATE LANDLORD/TENANT LAWS
UT is a landlord-friendly state. Tenants and landlords should know their rights and obligations. Start here for information.

• UtahCourts.gov
• Utah Fit Premises Act
• Utah Real Estate Code, Title 57
• HUD Tenant Rights, Laws, and Protections: Utah

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EVICTION AND FORECLOSURE

• If you are facing eviction, read your tenancy agreement carefully and consult with an attorney if you intend to fight to stay in your residence. Utah is a landlord-friendly state. Your landlord may have legal counsel and so should you. It is worth a phone call to an attorney.
• If you are facing foreclosure, talk to your lender. Lenders do not want to foreclose on you; it causes them more problems and financial hardship than they want. They may want to work with you to keep you in your home and current on payments.

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OUT OF STATE AND VISITORS
CLIMATE
Utah is a cold desert. We experience freezing winters and sweltering, dry summers. The extreme temperature change is hard on infrastructure including roads, water and sewer pipes, and housing materials.
We are part of the ongoing drought of the western US. Water conservation is a current and real issue statewide.
When planning outdoor activities or considering rural housing, consider your availability and access to water.
Weather Behavior and Averages
Plant Hardiness and Frost Dates
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NEIGHBORHOODS
The SaltLakeCity wiki includes a list of neighborhoods and associated maps via Google Maps. Click here for a direct link.

• Structural Age of Neighborhoods in Salt Lake County:
  • Salt Lake City proper contains our oldest architecture. As a general rule: the further away from SLC proper you are, the newer the architecture. The majority of the newest architecture is located at the south end of the Salt Lake Valley.
  • Since the Valley is a metropolis, there are pockets of equally old architecture scattered throughout the valley.

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MASS TRANSIT
The Utah Transit Authority (UTA) runs our mass transit in the North Wasatch Front. Our mass transit leaves some to be desired compared to other large cities. If you do not or will not have access to a car, check that your residence will be within reasonable distance to mass transit.
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ABOUT THE AUTHOR

• I was born and raised in Salt Lake County. I have been a realtor since 2015, have closed transactions anywhere from Ogden to Lehi, and have worked with first-time buyers, retirees, military veterans, luxury homes, budget homes, income properties, and more. This information is a brief summary of the information my career has offered me and my clients.
• There are an abundance of great real estate professionals in this subreddit. I’m honored to be among them and make myself available to answer questions about your circumstance. Please send me a DM.

I (24f) got my puppy Eevee from a breeder off of Craigslist when she was 8 weeks old. She said she was a beagle/mountain cur mix. After the dna test, it’s really beagle/coonhound/etc. Wonderful sweet baby. I love her so much. Omg I’m typing through tears.
She’s about 1.5yrs old now. She’s very energetic and loves playing outside. Really just playing in general. We’ve got a pretty big fenced in yard. One of the most agile and athletic dogs I’ve ever seen. She can be stubborn… but what beagle isn’t? She loves to cuddle in bed and is always happy to see you.
The problem lies with the fact that my sister(20) has migraines. The migraines were manageable and occasional at one point, but have gotten worse. They’re basically daily and last hours. Every single noise bothers her. Can’t even close the microwave now without her wincing. In addition to those, she’s developed other medical issues that haven’t been diagnosed yet. Compromising her even more.
And of course… beagles can be very vocal and needy. It’s not the barking that’s the main issue— crazy enough. It’s the fact that she makes noise literally 24/7. Like whining, squealing, scratching at the door, begging, etc. Some of these things I’d normally find cute or not that big of a deal. But with my sister, it just puts me on edge and makes me feel guilty. Like I’ve made a mistake.
I try not to take it out on Eevee, she obviously doesn’t know any better. And these are some of the traits of her breed. Not things that can be trained out. But I still get very frustrated with her and I feel so bad. Even over the simplest things like dropping the toy on the hardwood floor. Again, it doesn’t bother me directly… but my sister is in agony. And I can’t stand to see her like this.
She also hates being crated. So I only do it when necessary. And that is what has to happen if neither me or my mom is home and my sister is having a bad day or if we all need to leave. No matter what I do, her anxiety is through the roof. I’ve even given her melatonin before and it’s like she never even took it. She screams like she’s being murdered (which bothers my sister as well). And scratches like a maniac. She’s moved the crate across the room from trying to escape. I’ve tried to leave food, treats, toys, water, etc for her. She just knocks it over and now she’s entirely wet or the food is just everywhere. But I feel bad when I have to leave her in there for hours with no food or water. & Every time I take her out, her legs and paws are soaked from panting so much. It’s like she just ran through a puddle. I feel like a shit owner.
I’m ridden with guilt and anxiety every single day. This isn’t my first time thinking about rehoming her. We almost found a home for her a few months ago, but the lady’s first dog wasn’t a fan. So I kept my baby and tried my best to give her what I could. I just feel like it’s not enough and that I’m neglecting her. I feel like she deserves a better life than the one I’m able to offer. I’m so torn. My sister loves Eevee and would be heartbroken if I didn’t keep her. Its such a mental and emotional battle. I don’t know what to do.
Please be kind. Thank you.

I bought a car last month (1999 4 Runner) from Craigslist (private seller). It turns out to have a totally rusted chassis and is not safe for the road. No New York State inspector will pass this vehicle and is unrepairable.
He listed it in EXCELLENT condition, SOLID FRAME. I chose not to have it inspected and bought it after test drive.
The bill of sale reads “as is”, which I signed. BUT- he fraudulently sold and signed the bill of sale with the previous owner’s information instead of his own name. Shouldn’t this warrant the bill of sale invalid?
He has blocked my number and won’t respond.
Is there any advice on how to get my money back or return the car to him?
Thank you.

I applied for a cat at my local humane society and was turned down. I am financially independent with a very large house. I did say the cat would be an indoor pet. I guess humane societies maintain that indoor cats live longer and are healthier. If you look online there are stories that cats as a rule are not approved for over 55 people because the cat may outlive the owner. I did get a cat much easier on craigslist anyway but I find it horrible that elderly, sometimes quite lonely people that really tend to dote on pets are denied. Is this actual age discrimination and can I legally pursue this? Hopefully with aarp or some other help?

So I want to know what y'all think of this trade that happened in one of my leagues. This is a 12 team, PPR, SF league. Must start QB, 2 RB, 3 WR, TE, 2 Flex, SF, 2 DL, 2 LB, 2 DB, def IDP. I had no part of this trade, just a mere spectator from the group chat.
After our rookie draft was complete, the 1.01 owner didn't want to be in anymore, but the commish found a replace relatively fast (not sure how or if they know each other). So one of our league mates is interested in Pacheco, which the new owner holds. One owner inquired about him and the new guy said he wanted Hockenson and a 2024 second for him. Then shortly after, the new guy trades with the commish for Pacheco, and in return he accepted PJ Walker and a 2024 3rd for him..
Now I know Pacheco isn't a major player, but the new guy wanting Hockenson and a 2nd for him and then accepting a that trade from the commish just seems off to me.
One of our other leaguemates called him out in the group chat for it and the new guys response was "It's just fantasy football, relax".
Y'all think this is just a case of someone not knowing what they are doing, or something more?

I picked this up in April 2022 off Craigslist. Bought at 30k miles w/ clean title. Currently at 34k miles. I’m in Denver, so I have a beater Forester I daily in snow or shitty weather.
2 owners before me - 1st owner was a 2 year lease return. 2nd owner put on 14k miles over 8 years. I definitely overpaid, but this was the cleanest G I ever stumbled across, so I was willing to shell out the $20k. Money’s made for spending after all. I still got plenty for Chipotle and premium gas.
Swift springs, Enkei 19” wheels, performance sway bar set from Z1, tint, and obv the navigation update because apparently I like lighting money on fire. Anything else I need? I’m tempted to throw on an oil pressure gauge via filter sandwich plate to know if I blow the gallery gasket at some point. Production date is iffy to know for sure if this has the paper gasket or upgraded gasket. I’m not too concerned about it, though.