u/aquavelva5

Hi

I have a few question on this: when a person/business own a property outright. And they sell that property and become the bank for the new buyer. They write up a contract, payment plan and interest rate. The original owner gets paid monthly at the contract terms by the new owner. I have called that holding paper. I think this is done more for commercial property vs residential.

My question is how public is this deal?

Does the new owner get their name on the town/city land title record at the time of sale? Like a typical homebuyer with a bank mortgage. If yes, does the contract get recorded too, just like a mortgage does?

Hi

I have a few question on this: when a person/business own a property outright. And they sell that property and become the bank for the new buyer. They write up a contract, payment plan and interest rate. The original owner gets paid monthly at the contract terms by the new owner. I have called that holding paper. I think this is done more for commercial property vs residential.

My question is how public is this deal?

Does the new owner get their name on the town/city land title record at the time of sale? Like a typical homebuyer with a bank mortgage. If yes, does the contract get recorded too, just like a mortgage does?

I dont understand the 10 rate, even now I think its too low. I have said this over a year, that inflation is persistent at 2% and the 10 should be over 5.

the fed rate is 3.75, inflation has been 2% over 5 years. simply put, I think one should add those 2 numbers and get 5.75 to get a positive return. the 10 should be at 5.5 to 5.75%. I realize that is not what happens.

Even Bill gross says at 2% inflation, the 10 should be 1.4 to 1.75% over the fed rate. which would be minimum 5.15%. it has not been over 5.

I do understand that buyers expect the fed rate to drop. but that ignores we are at a semi permanent 2% inflation. We are not going back to low or no inflation. Even after the Iran war, it will be 2+ for years.

Does anyone expect inflation to go below 2% within 5 years? This seems like self delusion for green=gambling

We always see on TV and see on the internet: criminals getting away with crimes due to a legal issue: example the search is illegal and the evidence thrown out. That ignores that the evidence will show the truth of the matter. and this is actually even worse, hiding the evidence is hiding the truth.

So, instead: if there is a bad search: the police or district attorney or even judge are fined or even fired. Or the criminal's sentence is reduced to half. But the evidence STAYS and is used at trial.

I personally think this is a better option.

Hi

I am probably not at the right forum. I am dealing with my brother who was diagnosed late in life (50) as having a intellectual disability (70IQ) and on the spectrum. I dont know why this wasnt caught in school, but I dont care too much about a examination of the past.

He is a pleasant person at face value, but past that he is not. Hehas a slew of bad behaviors that I could use help understanding. I was told his brain did not develop later in life and thus the intellectual disability. So I tend to think he has the maturity and brain of a child. Children can lie and be selfish and he is selfish and lies. I am also reading that that is wrong. But, if I approach this as an adult, his behaviors are unacceptable as an adult. He lives with his elderly mother now.

• lies constantly, he tells people he is a banker and hangs out with clebrities. I dont think he places much emphasis on the truth and spins lies constantly.
• steals small items
• acts totally on impulse
• talking over people very loudly. following people when they walk away from him
• no focus. cant complete many tasks and walks away from most. fired from jobs, even with a job coach
• breaks items when he uses them.
• essentially a very shallow person with little empathy.
• despite many efforts over years, he doesn't change. I dont know how much of this is conscious. His job coaches from special needs agencies have resigned from him. He has been expelled from special needs day care.
• All of these behaviors I can explain if I view him as a man child. If I view him as an adult, he is someone I cant stand.

He has just started seeing another therapist but I am interested in others input. The therapist mentioned he maybe a narcissist. which seems strange as I associate a narcissist as a manipulative selfish person. My brother is an intellectually disabled selfish person. The truth is, if I view him as an adult, which is what the community says we chould. I dont want him in my life. and he maybe be sent to a state facility.

Trump, Netanyahu and Iran are all major liars. They cannot tell the truth about anything. They never tell the truth about anything. EVER. so why are people listening to them and believing them about their war?

Milton Friedman stated that inflation is "always and everywhere a monetary phenomenon,"

Well inflation is rising slowly and I dont see the government printing more $$ for quite some time.

So please explain how the Friedman philosphy works for the past year.

The dealership said my viscous coupler replacement (center differential) needs replacing.

Its for a Subaru forester 2017 6 speed manual transmission .

How complex is this? I mean for a real mechanic (not me). I want to use a mechanic versus the dealership. The labor charge is significant, lot of hours at a high dealer rate.

the part is not super expensive.

And are there any tips of tricks in doing it? And any things NOT to do or watch out for (common mistakes).

Thanks!!