Dirty Secrets about Down Payment Assistance

What could be dirty about down payment assistance?  It helps you buy a house, without having to put all of your money down.  What's not to like?  The dirty little secret is that 95 out of 100 loan officers have never done a down payment assistance loan.  They are more work, require most lenders to be certified and normally pay less than a non down payment assistance loan.   You might ask, so what?

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Calm over the horizon

Many years ago, I worked for my parents who own a video production company. Because it is a family business, you inevitably end up wearing many hats and being the czar of many different jobs. I mainly managed projects and worked as a video editor. On production, there were times that I was called on to work as an audio tech and was made to wear headphones on long production days. In those days, having a really good set of headphones that picked up every nuance of sound was essential to making sure the client got what they needed.

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Inspired by clouds

Last year I wrote about why booking too far in advance can be dangerous for your business, and this concept of margin so eloquently captures what I had recognized had been my problem: I was so booked up with clients that I wasn’t leaving any margin for error, growth, planning, or reflection.

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Make it clean and simple

Just the other day I happened to wake up early. That is unusual for an engineering student. After a long time I could witness the sunrise. I could feel the sun rays falling on my body. Usual morning is followed by hustle to make it to college on time. This morning was just another morning yet seemed different.

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When you are alone

When you are alone for days or weeks at a time, you eventually become drawn to people. Talking to randos is the norm. I’ll never forget the conversation with the aquarium fisherman, forest ranger, and women at the Thai market. It’s refreshing to compare notes on life with people from vastly different backgrounds.

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Real time design tools

Just the other day I happened to wake up early. That is unusual for an engineering student. After a long time I could witness the sunrise. I could feel the sun rays falling on my body. Usual morning is followed by hustle to make it to college on time. This morning was just another morning yet seemed different.

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Stumbled the concept

Last year I wrote about why booking too far in advance can be dangerous for your business, and this concept of margin so eloquently captures what I had recognized had been my problem: I was so booked up with clients that I wasn’t leaving any margin for error, growth, planning, or reflection.

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Time is passing by

Every selector has the potential to have unintended side effects by targeting unwanted elements or clashing with other selectors. More surprisingly, our selectors may even lose out in the global specificity war, ultimately having little or no effect on the page at all. Any time we make a change to a CSS file, we need to carefully consider the global environment in which our styles will sit. No other front end technology requires so much discipline just to keep the code at a minimum level of maintainability.

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Hey DJ play that song

Many years ago, I worked for my parents who own a video production company. Because it is a family business, you inevitably end up wearing many hats and being the czar of many different jobs. I mainly managed projects and worked as a video editor. On production, there were times that I was called on to work as an audio tech and was made to wear headphones on long production days. In those days, having a really good set of headphones that picked up every nuance of sound was essential to making sure the client got what they needed.

Read More