u/MeatServo1

Do they still not buy scrap from the general public? Anyone have a preferred buyer in the Seattle area? I’ll probably ship to Midwest Refineries if not.

third time working with this seller, and each time has been easy. good packaging, prompt shipping. recommend.

A real pal. Hooked me up with a 10 franc piece, gave me some guidance and knowledge, and left me a happy customer. Couldn't have asked for a better trade. Thanks!

Want to start collecting the range of gold coins out there, so starting small and working may way up. This will be my first coin purchase – everything else has bene gold grams and silver bars. Thanks.

Packaged like they were mailing a mini Fort Knox to me, great communication, and pleasant to work with. Highly recommend. Thanks!

Easy to work with, responsive, no hassles. Happy customer. Thanks!

Great packaging and fast shipping. Easy to work with. Overall very happy.

My tach doesn't move. Not a flinch, not a wiggle, not at all. Can someone upload a photo of where the sensor is so I can try to clean it or replace it? I poked around on the M103 maintenance manuals website but didn't find what I was looking for. Thanks for the help!

Arrived super fast, easy to work with, and the goods arrived meticulously and securely packaged. Thanks!

Responsive in chat and a pleasure to work with. Thanks!

Super easy to work with and prompt shipping. Happy customer.

Recently got into a 1991 W124 and basically only know they’re cool as hell but nothing else. Couple of questions for the community. I swear I’m not a troll, just still wet behind the ears in the MB world.

1. Am I committing a crime if I wrap it to get a new color since I don’t want to take off original paint? If it’s allowable, does it have to be an OEM color?

2. What about rims? I’ll probably stick with a factory rim, but will someone beat me up if I put on an SL or SEL or AMG rim?

3. Speaking of, where do I go/what do I look for if I want to add a body kit?

4. Any mods I should do right off the top?

5. Any tools or parts I should carry around in the trunk?

6. Can I upgrade the lights to xenon or LED?

7. Anything else I should definitely do or not do?

Thanks for your patience and setting me on the right path. Stoked to get started!

Got quotes from American Collectors and Grundy. Grundy looks better, but it really limits how much I can drive the car. Not looking for it to be a daily driver, but it feels like their limit is basically using it as a fair-weather weekend warrior.

Hagerty won't process a quote for me. I'm not sure if it's my zip code, stated value, or something else, but I get to the end of the quote form and get a message that they can't proceed. I thought maybe I'd call but was hoping someone might have had some similar experience they could share. I also tried AAA who I have normie cars insured with, and my house, but they won't insure a car older than 25 years. AAA collector insurance is paired with Hagerty, and I get the same error message.

Any advice or insights would be great! Thanks!

Heard a DL pilot once say he bought a Porsche with his profit sharing check and that lots of guys would buy their wives gold and diamonds on Valentine’s Day when their check landed. UA guy told me he bought a Porsche with his first profit sharing check after his captain upgrade. I’ve never heard an AA pilot talk about profit sharing. Am I missing something, or does AA not having much profit (if any) mean those pilots get small checks or no checks? Is there a way the AA pilot group makes up that missing income relative to their peers at DL and UA? I see lots of people talking about commuting and number of wide bodies in the fleet, etc, but I never see this come up so assume it’s not a big deal.

ETA: genuinely not trying to ragebait anyone, just honestly curious about how PS works across the various legacies/majors. Also, I’ve never met a single pilot who would exaggerate about money, so people are absolutely buying brand new 911s and boats with their annual check /s

ETA again: a Porsche isn’t special to me or even a desire of mine, it’s just something both pilots specifically mentioned. I heard the Porsche story from the delta guy a year ago and that would’ve happened in the 90s? The story from the united guy was also a year ago and would’ve happened in the 2020s.

Coastal California.

Curious about what best practice or industry guidance is. Got an appraisal and the ADU was not included in GLA for replacement cost approach. Appraiser said in the summary that the ADU was worth about $50k due to depreciation but didn’t include any data to justify or identify the originating cost from which depreciation was deducted, or the depreciation methodology for that matter. Appraiser also used a multi family duplex as the primary sales comp since it’s two units even though my place is a single family with a detached ADU.

For reference, neighbor’s house just sold. Ours is bigger, a year or two newer, has a bigger lot, and they don’t have an ADU. Their appraised value was about $25k less than ours, which means for an inferior property, they had higher valuation if you remove our ADU.

Am I missing something?

BLUF

I got a residential appraisal in California that was factually incorrect and demonstrates either incompetence and/or negligence/dereliction of duty. I assume I need a lawyer who practices real estate law, but is there any particular subspecialty or qualification I should screen for, and is there any resource other than the local bar to try to find that lawyer?

Facts

I applied for a mortgage on my single family residential property. I received an appraisal report that I disagreed with because it contained numerous factual errors, e.g., multifamily sales comp when I have a single family with an accessory dwelling unit, incorrect categorization of a different site improvement as personal property, omission of ADU square footage in replacement cost approach to value, several errors in the uniform residential appraisal report, etc.

I asked for a reconsideration of value, and the bank emailed me the ROV form. The instructions in the banker's email conflicted with the instructions contained in the form, but I complied with the narrower emailed instructions anyway. I submitted the form using sales comps not older than 12 months, as instructed by the form (different issue than the emailed instructions differences), and when the ROV was processed, the appraiser who completed the ROV said they dismissed all of my comps because they were older than 6 months, which was never communicated by the banker and was not communicated in the instructions on the form. Since my ROV comps were dismissed for being too old, the appraiser didn't consider any of my other points, and the appraised value did not change.

The original appraiser noted in their narrative that they did research about the value of solar panels because there's different methodologies to assign value, but they gave my ADU no value in the replacement cost approach and an indefensibly low value based on sales comp approach. They also said something about using depreciation to arrive at value for my ADU but don't note the build price or their depreciation methodology. They did not use the IRS' 27.5 year schedule for residential real estate. For reference, my ADU is essentially a brand new miniature house, using wood framing construction techniques, and is less than five years old. They did not note in their narrative any rationale for ADU valuation other than a casual mention of "depreciation." They also referenced a defunct, nonworking website as their source for obtaining construction cost estimates for my area, i.e., when I went to the website, it returned a 404 error and the Wayback Machine's last record of the website working was last year.

The bank outsourced the appraisal to what appears to be a vendor who contracts with appraisers as third parties. I disputed the ROV determination with the bank and they said there's nothing they can do. The vendor's website says all ROV requests must go through the bank.

Injury

I think the appraiser's negligence and ignorance caused me financial harm. I think the bank's conflicting instructions when giving me the ROV form and after the fact instructions about age of sales comps on my ROV (and subsequent disqualification of my sales comps) caused me financial harm. I think the appraisal vendor was negligent in hiring an incompetent appraiser by not requiring specific training in assigning value to ADUs and not assigning an appraiser with expertise in assigning value to ADUs to process the ROV.

Relief

Money.

Question to the group

Any suggestions on where to go from here. I think someone in RE law is obviously the starting point, but is there some speciality I need to be looking for? Or is it just that whoever picks up the case would know to bring in an appraiser as a SME? It looks like the appraiser has a $1m policy for "real estate appraisal and valuation, residential property" on their insurance declaration, but I don't know if that's functionally E&Os or if they're separate. Thanks in advance.