- RT @MoneyMatters: Frugal teen buys house with 4-H winnings http://bit.ly/amVvkV #
- RT @MoneyNing: What You Need to Know About CSAs Before Joining: Getting the freshest produce available … http://bit.ly/dezbxu #
- RT @freefrombroke: Latest Money Hackers Carnival! http://bit.ly/davj5w #
- Geez. Kid just screamed like she'd been burned. She saw a woodtick. #
- "I can't sit on the couch. Ticks will come!" #
- RT @chrisguillebeau: U.S. Constitution: 4,543 words. Facebook's privacy policy: 5,830: http://nyti.ms/aphEW9 #
- RT @punchdebt: Why is it “okay” to be broke, but taboo to be rich? http://bit.ly/csJJaR #
- RT @ericabiz: New on erica.biz: How to Reach Executives at Large Corporations: Skip crappy "tech support"…read this: http://www.erica.biz/ #
What is a Mechanic’s Lien?
- Image via Wikipedia
When you hire someone to work on your property or provide material to build or improve it, they are entitled to get paid. A mechanic’s lien is the method of enforcing that payment.
Here is what you need to know about mechanic’s liens.
A contractor must usually give you written notice of intent to file a lien if the contract isn’t paid. He needs to do this within a short time of beginning the work. The notice will include text to the effect that subcontractors also have the right to file a lien if they are not paid. This notice gives you two methods of defense: You can pay the subcontractors directly and withhold that amount from the payment to the contractor, or you can withhold the final payment until you have received a lien waiver from each of the subcontractors.
If the notice isn’t given correctly, the contractor forfeits his right to file a lien. Also, in most places, if a contractor is supposed to be licensed to do the work, but isn’t, he’s not able to file a lien.
Subcontractors must also provide notice on intent within about 45 days–depending on the state–of the time they first provide services or material, or the lien is not enforceable.
Protecting Yourself
First, you only have to pay once. If you pay the contractor in full before getting the notice of intent from the subcontractors, you can’t be forced to pay again.
Next, make the contractor provide a list of all subcontractors and keep track of any notices of intent you get. Get lien waivers from everyone involved before you make the final payment to the contractor.
Finally, you have the rights defined in the notice of intent to file a lien. You can either pay the subcontractors directly, or you can withhold the final payment until you receive lien waivers from each subcontractor.
Resolution
The lien holder has 120 days to file the lien and 1 year to enforce it. Enforcing simply means that it a suit has been filed. Once that happens, you can either pay the contractor, attempt to settle with the contractor, or you can take the contractor to court to determine the “adverse claims” on your property. There aren’t too many choices at this point.
Do yourself a favor and get lien waivers before you make the final payment on any work done on your property.
Stealing Motivation
We go a bit overboard on Halloween.
Maybe more than a bit. The yard in the video is mine. As I write this, I’ve got 40 tombstones, more than 200 skulls, and half a dozen life-size props in my yard. The coffin leaning against the tree was bought used on the secondhand coffin market.
I have a motion-activated monster whose eyes light up as his head turns to watch you as you walk past. He just happens to be the exact size in all dimensions as my son was 4 years ago.
A few years ago, I built a beautiful zombie who–not so coincidentally–had the exact height and proportions as my wife.
Last year, a few days before Halloween, somebody came into my yard and stole my bride. They also tried stealing the small coffin, but only managed to get away with the lid, leaving the coffin itself behind.
I hate thieves.
This year, I was at the Financial Bloggers Conference the weekend I traditionally set up for Halloween, so I was getting a late start.
Every time I’ve tried to get out and set up my yard, I just keep thinking about the irreplaceable pieces that were stolen. Do you have any idea how hard it is to find a child-sized coffin lid dating back to 1863? Or how impossible it is to get the 100 hours of my life I put into my zombie?
I think about how hurt I would be if somebody stole my son-sized animatronic ghoul or the demon who shares my measurements, but is two feet shorter. I’ve spent hundreds of hours per year, over 10 years building my yard full of one-of-a-kind props, and someone felt it was acceptable to tear down a section of my skull fence, come into my yard, and steal a little piece of my life.
Motivation has been difficult this year.
Last night, while I was out arranging my much-reduced yard haunt, a neighbor came by to let me know that he was disappointed with the smaller production. He wasn’t upset, but he–like the entire neighborhood–love watching the gore grow in my yard while anticipating the evening full of screams as the kids wander through every Halloween.
I can’t do it.
The thieving punks stole not just two of my favorite props, but a huge piece of my desire to scare the neighborhood kids.
Maybe I just need a year off, so I can come back with better ideas and a security plan more detailed than “my neighbors love this, none of them would steal anything!”
I would love to find the thieves. Post-beating, I’d explain how stealing from anyone is stealing a small and irreplaceable part of their lives. Stealing their handcrafted treasure is ripping out a piece of their soul. Stealing their motivation is stealing the memories for every visitor who would ever benefit from their craft, if the motivation is dead enough to kill the production.
I hope I’m not to that point, yet, but I can’t promise anything. Maybe next year.
Comcast: A National Treasure
This week, we upgraded our cable TV package. We were on their most basic 15-channel plan, now we’re on Digital Economy, giving my wife the extra channels she’s been suffering without for the last few years.
Our Tivo died last week. I love my Tivo, and we saw its death coming, so we ordered a replacement. We accidentally ordered the wrong one. We got the one that can’t take a signal straight off of the cable. It needs a cablecard.
Crap.
We could send it back and miss out on the Tivo for another week, or we could upgrade our cable package.
Hmm….
We looked at Comcast’s site to see what was available. Boost Plus–a internet + TV package–was available for $69.99/month for a year. That’s $6 more than we were paying, for about 30 more channels and it came with 2 years of free HBO. Yay!
Call Comcast.
The rep couldn’t find the offer, but there’s another one for $79.99 with no HBO, would we like that?
No, and we need to call the online offer number, since you can’t just transfer me. WTF?
So I ordered from the website directly, because I was getting sick of people already. I love e-commerce, just for that reason.
The last step of the process? A 30 minute online chat with a rep to schedule a tech. Grr.
After “Hello”, the first thing the rep said was, “Based on our conversation, the best thing to suit your needs is…” A freaking upsell to open the conversation. Buddy, you don’t know my needs. You’re here to run a calendar. I hate people.
No, I don’t want Triple Play. Your phone service isn’t cheaper than I’m paying now.
No, I don’t want a zillion channels. I have Netflix and a Roku.
No, I will not pay modem rental. I bought my own for $50 instead of paying you $7/month for it.
No, I don’t want equipment protection. The box will be on my dresser, out of reach. If it breaks on its own, I’ll return it.
Yes, I do want the deal to last the entire year–per the ad–instead of the 6 months you’re trying to change it to.
Great! Now my choices are a) pay $10 to have the new cable box shipped, b) pay $30 for a tech to come over and plug in 2 cables, c) drive to the cable office and pick up the box. I’ll take the 15 minute drive and combine it with lunch with my wife, thanks. I have to go there for the cablecard, anyway, since that’s not something you ship.
Wait a second! Going to the store means we’re going to cancel everything we’ve just done? And the store doesn’t have access to this deal, either? Nevermind, I’ll take the shipping charges.
WTF?
So, it’s off to the store to get my card, but not the box that will ship from that store. After a 30 minute wait, the wonderful(no sarcasm) lady behind the counter was happy to give me a card. Unfortunately, the rep from the previous night had entered the wrong deal, with a note on the account mentioning the correct one. Because that’s how computers and automated billing systems work. His plan left an error on the account that prevented anything new from being added, like my cablecard.
Grr.
Double guh-errr.
Let’s cancel everything from the previous night. There’s a better deal.
We got the same package for $49.99/month for a year, then $69.99/month for another year, with HBO for $5/month. I got to leave with my card and my box. Wee! I love you, lady!
Comcast, seriously, WTF?
Now, if I could just get Tivo to recognize the channel lineup for Digital Economy.
Twitter Weekly Updates for 2010-04-03
- Screw April Fool's Day. I'm about ready to clear my entire feed queue. #
- I definitely need a reason to get up at 5 or I go back to sleep. #
- Bank tried to upsell me on my accounts today…through the drivethru. #
- Motorcycle battery died this morning. Surprise 4 mile hike. #
- RT @ramseyshow 'The rich get richer &the poor get poorer' is true! Rich keep doing what rich people do & poor keep doing what poor people do #
- RT @ramit: "How do you know if someone is a programmer?" I cannot stop laughing imagining half my programmer friends – http://bit.ly/9MOipi #
Twitter Weekly Updates for 2010-04-24
- Watching Gamers:Dorkness Rising #
- Charisma? Weee! #
- Tweeting a dork movie? I'm a bit of a geek. #
- We just met and the first thing you do, after boinking a stranger in the presence of the king, is to murder a peasant? #
- Every movie needs a PvN interlude. #
- Everything's better with pirates. #
- Waffles? Recognize. #
- The Spatula of Purity shall scramble the eggs of your malfeasance. #
- Checkout clerks licking their fingers to separate bags or count change is gross. #
- Watching Sparkles the Vampire, Part 2: Bella's Moodswing. #twilight #
- @penfed was a waste of money. $20 down the drain to join, wouldn't give a worthwhile limit, so I can't transfer a balance. #
- @JAlanGrey It's pretty lame. The first one was ok. This one didn't improve on the original. in reply to JAlanGrey #
- RT @tferriss: Are you taking snake oil? Beautiful data visualization of scientific evidence for popular supplements: http://ping.fm/pqaDi #
- Don't need more shelves, more storage, more organization. Just need less stuff. #
- @BeatingBroke is hosting the Festival of Frugality #226 http://su.pr/80Osvn #
- RT @tferriss: Cool. RT @cjbruce link directly to a time in a YouTube video by adding #t 2m50s to end of the URL (change the time). #
- RT @tferriss: From learning shorthand to fast mental math – The Mentat Wiki: http://ping.fm/fFbhJ #
- RT @wisebread: How rich are you? Check out this list (It may shock you!!!) http://www.globalrichlist.com/ #
- RT @tferriss: RT @aysegul_c free alternative to RosettS: livemocha.com for classes, forvo.com for pronunc., lang8.com for writing correction #
- Childish isn't an insult. http://su.pr/ABUziY #
- Canceled the Dish tonight. #
