I had read there were differences between commercial dog and cat food, that one had nutritional components that the other did not need or that would not be good for the other, but I didn’t know what it was. Thanks for the information. We have (rarely) fed our dogs cat food on a day we run out of dog food and don’t feel like going to the store until the next day, but our cat walks by the dog food bowls dozens of times a day and insists she gets cat food or else. LOL
Posts made by Dionaea
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RE: Free 4LB NUTRO Ultra Grain-free Dog Food Print Coupon - Petco Stores Pals Memebrship Required (Free) also use at Petsmart as competitor Q
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RE: Free 4LB NUTRO Ultra Grain-free Dog Food Print Coupon - Petco Stores Pals Memebrship Required (Free) also use at Petsmart as competitor Q
I picked up a bag of the lamb ingredient version, normal cost $22 and change at my Petco…and darned if two of my dogs (“Heinz 57” 6-1/2 lb mixed breed and 9 lb wirehaired dachshund) turned their noses up at it. We do feed them a good quality dog food from our local pet store, not grocery store stuff, so I was surprised it took all day for them to decide this was edible after all. Our 3rd dog, a 19 lb fox terrier, likes it. Our neighbor got the beef ingredient version, which her dog likes, so I traded her some lamb for some beef, and the two of my dogs who turned their noses up at the lamb also turned their noses up at the beef at first. Once I mixed the Nutro with the food they normally eat ($60 for a 30 lb bag, so it’s pretty good food), they ate both without hesitation.
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RE: Coleman FlipLid Personal Cooler - 5 Quarts - RED - $8 @ Amazon or Walmart
Ordered two from Amazon - only the red ones are $8, as you mentioned. They are small, holds 6 soda or beer cans with a bit of ice. Apparently they’re also useful as a lunch pail or as an ice bucket or even put one in the freezer to make a solid block of ice, according to the reviews on Amazon
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RE: Lowes YMMV forum for in-store deals
I did not know they use a store nearby you to fulfill the order. My order says it will be sent free by parcel post. Waiting to see what happens. Got the “your order is being processed” email, no cancellation yet. Got my fingers crossed as I’m planning to repaint a couple of rooms and need brushes.
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RE: Lowes YMMV forum for in-store deals
Wow, thanks, OP! Supposedly there are 10 still in stock, so I ordered 6 of them. Just hope I don’t get that dreaded “we just discovered we don’t have them in stock after all” phone call or email.
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RE: Buying my grandparents house - need mortgate advice
First, the lady was right in advising you to get an estimate. In fact, I would advise that you get at least two estimates. If it were me, I’d get 3 estimates. Ask each contractor what they would charge if you decided on changes. Do you have a firm remodeling plan sketched out on paper? What would need to be removed? What needs to be moved to a different location? Are you adding or removing windows or a door? Are you making the kitchen larger? Where the support beams are located makes a huge difference in cost when you are moving all or part of a wall. Will you be moving plumbing? Where do you want the electrical connections? What type of lighting? What materials do you want for the sink and the countertops? Do you want an island? Will the flooring need to be replaced? All of that and more will help the contractor give you a knowledgable and fair estimate. If you just figure you’ll spend up to X and stop, you’ll have to make your choices based on the available amount.
Now, as to the lady’s proposal that you apply for more money than you need…I’d find another lender very quickly. It’s wrong, to begin with, and whatever lender you use will base the amount they lend you on the appraised value of the property. The lender will run through your ability to pay, then have a qualified appraiser give them a current market valuation for the property. That is what the lender will go by, and only a dishonest appraiser will add another $25,000 to the appraisal so you can get more than the property is worth, give the extra along with the purchase price to your grandparents, and then have your grandparents kick back the extra to you.
That said, if your grandparents wish to sell the property to you for X (the purchase price, which should be about the market value or a bit less so it’s not a “sweetheart deal”), and they then decide to gift you with $25,000 because you are their beloved grandchild or they wish to loan you $25,000 at current interest rates or a bit lower because you are their beloved grandchild, that might fly. Depends on whether you have other family members who might get irate that you’re getting $25,000 and they’re not.
The main thing is to be very careful to keep the purchase of the property separate from your grandparents gifting or loaning you the remodel money. The bank is investing in the property, and they expect that their loan will be for less than they could get if they foreclose and sell the property, if necessary.
As far as a remodeling loan, if you are getting a loan for less than the appraised value of the property (i.e., property valued at $200,000, purchase price is $180,00 and loan is for $150,000, somewhere along the line the lender is going to want to know where the other $30,000 of the purchase price is coming from - is it a gift from your grandparents or are they loaning you that money. Or are your grandparents selling you the property for well under market value, and why. The bank will not go along with a property valued at $200,000, purchase price is $225,000, and loan is for $225,000) The bank might easily go along with your grandparents selling you the property for $150,000 although the appraisal is $200,000, and they then loan you an additional $25,000 for remodeling purposes since you would have $50,000 in equity in the property because you paid a lot less than the appraised value.
Talk with an attorney, talk with other lenders. it is entirely possible you could obtain a remodeling loan if you will have some equity in the property after closing, depending on how the initial purchase is structured.
I am not an attorney or a loan officer or involved with any lender. I have worked for title companies as a mobile notary public for some 24 years and have dealt with lenders, title companies and borrowers, talking with loan officers and with borrowers at the table, and I do my best to stay informed about the industry.