A friend recently asked me for this list so I thought it would be worth posting. I spent about two years pursuing unusual properties as my first home, weird enough that I talked to more commercial lenders than residential lenders. Old schools, churches, campgrounds, etc. I was offering 10-40% down and considering interest rates ranging from 4% to 12%. Over time I had more money to put down, and pursued slightly less weird properties every few months. Here's everyone I pursued financing/lending with, most of which were just one phone call, but also including over two dozen applications (and consequent dings to my credit) and hundreds of follow-up calls. In total I probably spent at least a thousand hours on this process. In the end it was worth it, but it was still a slog.
Trying to buy in Vermont:
- https://selectcommercial.com/vermont-commercial-mortgage.php
- http://www.crefcoa.com/vermont-commercial-loans.html
- https://www.commercialloandirect.com/lending-area/commercial-loans-vermont.html
- https://www.nefcu.com/business/plus-real-estate.html
- https://www.commercialrealestate.loans/vermont-commercial-loans
- https://www.capitalone.com/commercial/industry-expertise/other-asset-classes
- https://online.citi.com/US/JRS/pands/detail.do
- http://usbank.com
- https://www.hfcuvt.com/business/loans
- https://www.vermontfederal.org/contact-us
- https://www.vsecu.com/financial/business-loans/real-estate-loans
- https://www.peoples.com/
- https://www.trustcobank.com/page/mortgages-40.html
- https://cbna.com/
- https://www.barharbor.bank/business/business-loans
- https://www.td.com/us/en/commercial-banking/lending-solutions/real-estate/
- https://www.vermontmortgagecompany.com/
- https://thebankofbennington.com/
- http://vclf.org
- https://www.communitycapitalvt.org/
- http://www.ncic.org/
- http://newtekone.com
- https://www.veda.org/financing-options/vermont-commercial-financing/
- https://www.vhfa.org/contact/vhfa
- http://www.rd.usda.gov/vt
Trying to buy in Oregon:
- http://colonybank.com
- https://www.crossriver.com/
- https://www.granitestatedev.com/lenders/recent-projects/vermont/
- https://www.linkedin.com/in/gregwacker/
- https://www.advantiscu.org/business/commercial-real-estate-loans
- https://www.commercialloandirect.com/lending-area/commercial-loans-oregon.html
- https://selectcommercial.com/loan-request.php
- https://www.jpmorgan.com/commercial-banking/solutions/commercial-real-estate/commercial-term-lending/ctl-portland#client-manager
- https:
I don't want to step on anybody's toes here, but the amount of non-dad jokes here in this subreddit really annoys me. First of all, dad jokes CAN be NSFW, it clearly says so in the sub rules. Secondly, it doesn't automatically make it a dad joke if it's from a conversation between you and your child. Most importantly, the jokes that your CHILDREN tell YOU are not dad jokes. The point of a dad joke is that it's so cheesy only a dad who's trying to be funny would make such a joke. That's it. They are stupid plays on words, lame puns and so on. There has to be a clever pun or wordplay for it to be considered a dad joke.
Again, to all the fellow dads, I apologise if I'm sounding too harsh. But I just needed to get it off my chest.
- If you find your book in the thread below, send the number of the book via reddit chat or via telegram .
- Almost all the books are in their latest editions and some of them are available in multiple editions too
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Please find the list below:
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Methods in Behavioral Research, 12th Edition: Paul Cozby & Scott Bates
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Leadership & Management of Machining: How to integrate technology, robust processes, and people to win!, 1st Edition: Patrick Tarvin
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New Perspectives on XML, Comprehensive, 3rd Edition: Patrick Carey & Sasha Vodnik
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Ecosophical Aesthetics: Art, Ethics and Ecology with Guattari: Patricia MacCormack & Colin Gardner
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Cosmeceuticals and Cosmetic Practice, 1st Edition: Patricia K. Farris
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Chemistry: The Molecular Nature of Matter and Change, 8th Edition: Martin Silberberg & Patricia Amateis
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Canadian Fundamentals of Nursing, 6th Edition: Patricia A. Potter & Anne Griffin Perry & Patricia Stockert & Amy Hall & Barbara J. Astle & Wendy Duggleby
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Why We Buy: The Science Of Shopping: Paco Underhill
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Macroeconomics, 6th Edition: Olivier Blanchard & David R. Johnson
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Macroeconomics: A European Perspective, 3rd Edition: Olivier Blanchard & Francesco Giavazzi
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Computing Essentials 2019, 27th Edition: Timothy O'Leary & Linda O'Leary & Daniel O'Leary
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Horngren's Accounting, Global Edition, 10th Edition: Tracie L. Nobles & Brenda L. Mattison & Ella Mae Matsumura
-
Biology and Ecology of Pike, 1st Edition: Christian Skov & P. Anders Nilsson
-
The Psychology of Women and Gender: Half the Human Experience, 9th Edition: Nicole M. Else-Quest & Janet Shibley Hyde
-
Astrophysics for People in a Hurry, 1st Edition: Neil deGrasse Tyson
-
Marketing Research, 5th Edition: Naresh Malhotra & Dan Nunan & David Birks
-
Manual of Clinical Procedures in Dentistry, 1st Edition: Nairn Wilson & Stephen Dunne
-
Principles of Macroeconomics, 8th Edition: N. Gregory Mankiw
-
Principles of Macroeconomics, 6th Edition: N. Gregory Mankiw
-
Principles of Economics, 8th Edition: N. Gregory Mankiw
-
Macro
Do your worst!
I'm surprised it hasn't decade.
For context I'm a Refuse Driver (Garbage man) & today I was on food waste. After I'd tipped I was checking the wagon for any defects when I spotted a lone pea balanced on the lifts.
I said "hey look, an escaPEA"
No one near me but it didn't half make me laugh for a good hour or so!
Edit: I can't believe how much this has blown up. Thank you everyone I've had a blast reading through the replies 😂
It really does, I swear!
They’re on standbi
Pilot on me!!
Nothing, he was gladiator.
-
Kindly note that the price range mentioned above is only for the books in the megathread list. Any requested books unavailable in the list can cost more, so please do not make any wrong assumptions.
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If you find your book in the thread below, comment "PMed" below and then send your request by clicking here (expect super quick replies).
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Don't mention the title of the book in comments section, please
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Almost all the books are in their latest editions and some of them are available in multiple editions too
-
All the payments would be upfront and accepted payment modes are PayPal/BTC/ETH/LTC. Gift cards can also be accepted in special cases
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Books are delivered through Google-Drive or Dropbox links within a few minutes/seconds of payment
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Thousands of students have already been helped. Here is the proof
Please find the list below:
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Early Childhood Field Experience: Learning to Teach Well, 2nd Edition: Kathryn Browne & Ann Gordon
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Risk Centric Threat Modeling: Process for Attack Simulation and Threat Analysis, 1st Edition: Tony UcedaVelez & Marco M. Morana
-
Securities Industry Essentials Exam Study Guide 2021 + Test Bank: The Securities Institute of America
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The Structure of Argument, 10th Edition: Annette T. Rottenberg & Donna Haisty Winchell
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The Three Pillars of Transforming Care: Trauma and Resilience in the Other 23 Hours: Howard Bath & John Seita
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The Transformed School Counselor, 3rd Edition: Carolyn Stone & Carol A. Dahir
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The U.S. Intelligence Community, 7th Ed
Dad jokes are supposed to be jokes you can tell a kid and they will understand it and find it funny.
This sub is mostly just NSFW puns now.
If it needs a NSFW tag it's not a dad joke. There should just be a NSFW puns subreddit for that.
Edit* I'm not replying any longer and turning off notifications but to all those that say "no one cares", there sure are a lot of you arguing about it. Maybe I'm wrong but you people don't need to be rude about it. If you really don't care, don't comment.
When I got home, they were still there.
What did 0 say to 8 ?
" Nice Belt "
So What did 3 say to 8 ?
" Hey, you two stop making out "
I won't be doing that today!
[Removed]
From CMoG: “Cannabis pipe making is one of the fastest growing areas of art glass production in the 21st century. Rooted in counterculture, and highly influenced by the Grateful Dead and hip-hop, pipemakers have brought new techniques and imaginative approaches to borosilicate glass. As cannabis legalization has taken hold across much of the country, it has become possible for major art institutions like The Corning Museum of Glass to start collecting and highlighting the movement, the objects, and the makers.
In this virtual event, hear from Susie Silbert, Curator of Postwar & Contemporary Glass on the history of pipe making in the United States and why we’re talking about it now, with an introduction by Karol Wight, President and Executive Director.
Then, hear directly from artists about their work and the latest on what’s happening with pipemaking in a panel discussion with makers including Micah Evans, Earl Jr., and Nicole Berger, moderated by Eric Goldschmidt, Properties of Glass Programs Supervisor.”
https://us06web.zoom.us/webinar/register/6116316452184/WN_s87Rvin-TASmjEITQ5WWqg
This morning, my 4 year old daughter.
Daughter: I'm hungry
Me: nerves building, smile widening
Me: Hi hungry, I'm dad.
She had no idea what was going on but I finally did it.
Thank you all for listening.
You take away their little brooms
There hasn't been a post all year!
Where ever you left it 🤷♀️🤭
It was about a weak back.
It’s pronounced “Noel.”
After all his first name is No-vac
What, then, is Chinese rap?
Edit:
Notable mentions from the comments:
-
Spanish/Swedish/Swiss/Serbian hits
-
French/Finnish art
-
Country/Canadian rap
-
Chinese/Country/Canadian rock
-
Turkish/Tunisian/Taiwanese rap
There hasn't been a single post this year!
(Happy 2022 from New Zealand)
Nothing, it just waved
Him: I can explain everything!
(It's his best joke yet I think)
-
Kindly note that the price range mentioned above is only for the books in the megathread list. Any requested books unavailable in the list can cost more, so please do not make any wrong assumptions.
-
If you find your book in the thread below, comment "PMed" below and then send your request by clicking here (expect super quick replies).
-
Don't mention the title of the book in comments section, please
-
Almost all the books are in their latest editions and some of them are available in multiple editions too
-
All the payments would be upfront and accepted payment modes are PayPal/BTC/ETH/LTC. Gift cards can also be accepted in special cases
-
Books are delivered through Google-Drive or Dropbox links within a few minutes/seconds of payment
-
You can also send requests via email/Google-Hangouts request/Skype request to yourcheaplibrary@gmail.com for faster communication
-
If you don't find the book in the list, you can send your new request to the mod by clicking here
-
If you want solution manuals/testbanks, you can also request them to the mod by clicking here
-
Please subscribe the sub to find all the latest textbook releases
-
Also, upvote the megathread if you found it useful
-
Thousands of students have already been helped. Here is the proof
Please find the list below:
-
Early Childhood Field Experience: Learning to Teach Well, 2nd Edition: Kathryn Browne & Ann Gordon
-
Risk Centric Threat Modeling: Process for Attack Simulation and Threat Analysis, 1st Edition: Tony UcedaVelez & Marco M. Morana
-
Securities Industry Essentials Exam Study Guide 2021 + Test Bank: The Securities Institute of America
-
The Structure of Argument, 10th Edition: Annette T. Rottenberg & Donna Haisty Winchell
-
The Three Pillars of Transforming Care: Trauma and Resilience in the Other 23 Hours: Howard Bath & John Seita
-
The Transformed School Counselor, 3rd Edition: Carolyn Stone & Carol A. Dahir
-
The U.S. Intelligence Community, 7th Ed
