Dan O'Dea

@Storage_Venture @dawsmik We're refi'ing down to more competitive/hungry banks, and of course entering with abbreviated early pay off clauses always.

@Dan_CBM @dawsmik I would never count on my interest rate changing, but I follow your logic

Everyone’s waiting for rates to drop before they buy. Meanwhile: 38 of the 49 largest metros just flipped to buyer’s markets. Sellers outnumber buyers 14 to 10. Highest spread since 2012. In Miami there are 25 sellers chasing 10 buyers. You don’t need a rate cut. You need leverage at the table - and the data says you’ve got more of it right now than you’ve had in over a decade. Stop watching the Fed. Start writing offers.

@dawsmik @Storage_Venture Truth!

@Storage_Venture Its easy to change your interest rate, it's hard to change your purchase price.

@jamesbohanpitt @Storage_Venture Well first of all on fixed storage deals, no real estate agents, and second if your, agent, lawyer or doctor isn't going to make a hard offer or offer straight up advice, get a new one, you're not aligned as the saying goes, hard advice applies to your preacher too.

@Storage_Venture Tell the realtors this. Many are refusing to write “embarrassing” offers as they are trying told up pricing for their commission. This is absolutely the time to be aggressive. I’d be writing offers 20% off list if I was buying right now.

@Storage_Venture Waiting for 'perfect' interest rates is like waiting for the perfect time to have a baby. Today is always better than yesterday and will also be better than tomorrow. Make the best deal possible move forward.

@heynavtoor I switched our enterprise to Adobe sign this year. I laugh when folks send me DocuSign's. Encrypted signatures have standards, all for freeware but make sure it upholds global standards for signature security.

DocuSign Personal: $10 to $15 per month. DocuSign Standard: $25 to $45 per user per month. DocuSign Business Pro: $40 to $65 per user per month. A 10-person team on Business Pro pays $4,800 to $7,800 a year. To put signatures on PDFs. A team of 50 pays $24,000 to $39,000 a year. And there is a 100-envelopes-per-year cap on most plans. Send more contracts and you pay extra. Need SMS delivery? $0.40 per send. Need ID verification? $2.50 per attempt. Need premium support? $5,000 to $50,000 per year add-on. You are rationing digital signatures in 2026. DocuSign is a $10 billion company built entirely on this pricing model. Now meet DocuSeal. A free and open source alternative to DocuSign. Created in 2023 by a Ruby developer named Alex who was simply trying to sign one document and realised every solution online was overpriced or required a subscription. Three weeks later he had a working alternative. He pushed it to GitHub under the AGPL-3.0 license. Today it has 11,800+ stars and over 1,000 forks. Bootstrapped. No VCs. No paywalls. Here is what DocuSeal does: - Upload any PDF and turn it into a fillable, signable form - Drag and drop signature fields, dates, checkboxes, file uploads, and 13 field types - Send to multiple signers with custom signing order - Automated email reminders - Mobile signing on any device - PDF signature verification built in - Audit trail for every document - Bulk send and templates - Full API access - Self-host with one Docker command Here is what DocuSeal costs: Zero. Forever. Unlimited documents. Unlimited signers. Unlimited storage. DocuSign limits envelopes. DocuSeal doesn't. DocuSign charges per SMS. DocuSeal doesn't. DocuSign charges for ID checks. DocuSeal doesn't. DocuSign sees your contracts on their servers. DocuSeal doesn't. Here is the wildest part: The median DocuSign contract per Vendr is $17,250 per year. One Reddit thread has people saying "they want me to pay $4.80 per e-signature." Self-host DocuSeal on a $5 cloud server and a 50-person team can sign as many contracts as they want without paying a single dollar. Your contracts never leave your server. Your client lists. Your NDAs. Your employment agreements. None of it touches a third-party company. For individuals who only sign a few contracts a year, you save $180. For small teams of 10, you save up to $7,800 a year. For a 50-person company, you save up to $39,000 a year. Your documents. Your signatures. Your server. 100% Open Source. (Link in the comments)

@ILRedAlert Spawn of Epic Fury is on the way!!

@ILRedAlert Buckle up kids!!!

Futures markets have closed for the weekend

@ILRedAlert It's hard to be the Prez, it's the right decision and the correct action. He needs to stick it out and finish the job.

A Washington Post-ABC News-Ipsos poll shows 61% of Americans say military action against Iran was a mistake, with overall support for the war compared to levels seen during the Iraq War in 2006 and the Vietnam War in the early 1970s.

@aaron0505 Installment sale designed to defer tax, the seller typically does not convey legal title at closing. The buyer receives Equitable Title. The buyer has the right to possess, use, & enjoy the vacation home, but the seller retains legal title (deed remains in seller's name) as sec.

We sold a Fort Lauderdale rental home in July 2025. Held it since 2017. Sold it with seller financing on a $900K note. Our CPA came back and said it did not qualify as an installment sale because title transferred at closing. Said the buyer needed equitable title only, not full title. I've never heard that before. I went and read IRS Publication 537 and Section 453 myself, thanks to my friend Claude. The definition of an installment sale is simple. You receive at least one payment after the tax year of the sale. That is it. No mention of title retention anywhere in the statute. Sent them both links, wrote back and made the case. Nearly 24 hour passed and still waiting on their response. Anyone on here know the answer?

@_Tumbawumba @general_he42676 Pretty static 🎯

@general_he42676 Desperate times call for desperate measures by Iran. Expect the US military to target the rail network next.

WSJ reports Iran is breaking U.S. sanctions by moving oil to China overland via rail. The Iran–China rail plan cuts transit to 15 days (vs 40 by sea), aims for >2M bpd and bypasses U.S. naval oversight. Aggressive sanction-busting—Israel and Western allies must counter

@lady_valor_07 Are there people (slackers) who work less than that?

Trying to prove a point Have you ever had to work more than 55 hours in a week

@pamackerson @KeruboSk Disregard this advice. A house is just another asset, and equity=value and net ownership. The percentage is immaterial. You put capital ($) in you get your capital + growth out.

IMO, unless you're putting half down and half the closing costs, no, your name should not go on the deed/title until after you marry. Concerning paying your share after you move in is negotiable on your part. If you want to help him buy the house, out of generosity, then that's a different thing altogether.

My boyfriend and I are planning to buy a house together after dating for 3 years. He earns significantly more than I do, so he’d be contributing about 70% of the down payment. Because of that, he wants the house to be only in his name. He says it’s just “fair” based on the numbers, but we’d both be living there, splitting bills, and building a life together. I’ve been watching a lot of relationship content about equity vs equality, and it made me realize things don’t always have to be 50/50 but this feels like I’d have no security at all. He said if we ever broke up, he’d “do the right thing,” but that doesn’t really reassure me. My friends say don’t move in unless my name is on it. His friends apparently think I’m being entitled. Now I feel stuck between trusting him and protecting myself. Is this a red flag I’m trying too hard to rationalize?

@RealRobinToupin @KeruboSk He doesn't want to be 'boxed in' or defined by such a conventional trapping of society. Have a good lawyer handy. He doesn't want an age or you on the deed because he knows he'd have to buy out your equity if he strays. History and odds are 90/10, 90 for him straying & 10 you

@KeruboSk Tell him you want a contract drawn up by a lawyer that assigns ownership in direct proportion to equity and contribution. I.e. If he contributes 70% of the downpayment and 70% of the mortgage, insurance taxes etc, he owns 70% of any equity earned.

@halftroll @KeruboSk Ditto. An, agreement is simple and obvious. Everyone is a boy scout until they're not.

@KeruboSk Get a legal agreement for a 30/70 split, but split payments as well as down payment 30/70. The agreement should say equity is also 30/70. Separate checking accounts. But, really, this is a red neon sign.

@najam_ali @Mathtut33741288 You misconstrue a strategic pause wrapped in a cease fire request.

@Mathtut33741288 If war was a solution, Trump will not have agreed to a ceasefire. Ceasefire was sought by the U.S. not by Iran. Iran only agreed after China pressed them.

Negotiations are happening in Pakistan. Let me put it bluntly: The U.S. is the eager party. Iran is the reluctant one. Once Washington realised this war could not deliver its objectives, negotiation became the only off-ramp. But here is the problem: Despite blockades and pressure, Iran is not negotiating from weakness. Hormuz has changed the equation. Its closure doesn’t just hurt Iran, it hits the entire world, including the U.S. Oil flows disrupted. Global markets stressed. The dollar-based system under pressure. This is not a local conflict anymore. It is systemic. Meanwhile, Iran’s asymmetric strategy has delivered a strategic advantage. The war was fought and shaped by the IRGC, and the power it has accumulated will not allow any soft settlement on U.S. terms. So escalation is not an option. A return to war would: raise costs for the U.S. weaken its negotiating position further risk a wider economic shock Which leaves only one path. A negotiated settlement. But not a quick one. Not on U.S. terms. This will take time.

@najam_ali A simple analysis and sounds adroit but is not. This is multi level US effort. US Mil is aptly lead by GOs/FOs who will do everything to win for their Pres. Israel Intel is outstanding. Further decapitation expected. Trump is an absolutist. Trump has 8mths

@alt_w_v_g Haven't hired an intern in 10 yrs but this summer I'm actively looking for one for the same thing. That and some PE work. There is a sea change at our finger tips. Those who go after it are going to realize some tremendous upside.

Hiring a few people who nerd out on AI tools in their free time. FT and PT available (remote). Finance or accounting background is a plus, but not a requirement. I can teach it. What I'm looking for: (i) high curiosity (ii) strong work ethic (iii) attention to detail (iv) willingness to ask why things are done the way they are (v) belief that every industry can be rebuilt with better tools Your passion and what you've built matter more to me than your GPA, your resume, or where (or if) you went to school. Skip the traditional resume. Send screenshots, links, demos, or a short write-up of something you've made. Doesn't have to be finance-related. Real creative freedom. Best tools I can put in your hands. NDA required before we get into specifics. DMs open. Referrals appreciated. Sent from my iPhone

@RealBababanaras We killed how many Iranian 'Leaders' and we missed this idiot? Come out, come out of your hidey hold dip shit....Allah calling!!

Just in: After firing chief negotiator Mohammad Bagher Ghalibaf, IRGC Chief Ahmad Vahidi said Iran will continue enriching uranium, pursue its long-range missile program & continue the war until the last U.S. soldier remains in Middle East. He refused to engage in any peace talks

@Storage_Venture Still going for the canapes and white wine. Is the party at least somewhere cool / fun??

@DavidM_LV @unusual_whales Bloat in the GO and FO ranks was a biproduct of both the wars in Iraq and Afghanistan, the Obama desire for higher status officers to stay in front of Congress and yes, the DEI nonsense. It was well known, well documented and had been I a down trend. Hegseth has helped.

@unusual_whales 21 generals out of how many 800ish over all branches. Zoom out people. there is a ratio of around 1 general per 1500 troops, which is insanity.

Since taking office last year Pete Hegseth has ousted at least 21 generals, per the Economist