I can consult. I have experience, actually experiences or if you’re from my city spurrience..yeesh. Over the last 18+ years in this business, aside from being the “Artiste” (said with nasally French inflection), I’ve served as: booking agent, tour manager, contract specialist, attorney, jailhouse lawyer, accountant, collector, procurer of rare goods, connector, maven, a&r, engineer, arranger, composer, producer, beat maker, electrician, import/export, mentor, publicist, promoter, graphic designer, bag man, door man, bartender, bar back, sideman, leader, stan, purveyor, mule, manager, doctor, driver, navigator, roadie, merch:hash:gun slinger, referee, bad:good cop, owner, employee, customer service agent, copyright specialist, traveler, negotiator, translator, journalist, director, DP, editor, videographer, extra, star, blogger, resident artist, educator, clinician, “ambassador”, go between and emissary. There are probably a heap of epithets both considerate and not safe for work (read expletive laden) that someone could ramble on about. So as of late, post numerous phone and email inquiries, i’m embracing the “consultant” moniker and going forward, will more than likely associate a fee to the aforementioned services…if and when rendered. Serious or partially serious inquiries only. Easy
Listen Local First Presents The DC Hip Hop History Project’s live podcast tonight of Black Broadway: The Roots of D.C. Hip Hop at the Dunes tonight. Panel discussion and show. Jamie Benson and I are moderators. Come through.
Kevin Hart’s Laugh at Your Pain makes its television debut at 9:00pm(est) tonight on Comedy Central. Listen out for my songs throughout the movie and in the credits. Cheers again to Levels Music Group. If you’re in Austria on Monday come check me and the fellaz of Proverb Trio HERE.
me @J.benok and @yUthe78er got together to do a podcast that seeks to relay the history of DC Hip Hop properly. Bought to you in part by FMWJ’s RIK site as well as the good folks at House Studios. Jyeah!
Happy New Year. Check out the first episode of The DC Hip Hop History Project featuring Unspoken Heard. The DC Hip Hop History Project was created and hosted by Jamie Benson. YU and myself are co-hosts. Cheers to Jamie for including me on this.
Buying a house is no joke. They tell you, ( they being the loan officer, program folks, real estate agents, etc.) that it’s the most important thing you’ll do in your life…i ‘m not so sure about that, if I could feed a nation or house the hordes of displaced folks in a decent flat AND provide a hot meal. that would be the most important sh&t ever.. I digress, but it’s plenty significant. I went through a housing program..had the good fortune of having a spouse that cattle prodded me into getting my finances in order and got surry-us (serious in DC slanguage). There were a number of hoops and hurdles to navigate and some straight bullcaca that popped off at the most unwanted times, but all in all we got through. So as not to write a what to expect when expecting esque post. i’ll reserve my opines and advisements to simple non-scary blurbs.
Pray 1st for patience and understanding. you’ll need it.
1. Check your credik (credit). you get a one time all in from the big 3 once a year. find out whats on the lines. try to get your numbers over 620 or you won’t get a loan. real talk.. unless you save all your cash and can plop down all the guap and walk off free and clear..if not run your credit and fix what’s bad and call bammas and settle and all that. get letters stating that you paid and get them bad things wiped off your slate.
2. Needs vs Wants. Plain Pat champeens. what you want ( a villa in Corsica) and what you need ( a 2br/2ba fixer upper) are separate. don’t aim low, just be realistic.
3. Find a good inspector once you find a property.. i know i’m assuming you have a reputable Real Estate* agent, get a quality inspector who is bonded in their state. In DC i used a MD inspector.. VA(i think) and DC don’t require a license or bond for inspectors.. MD does. my dude was a pain for the seller and listing agent..but dude was on his j-o and made sure my jont was no setup jont.
4. Get thy yo-yo nerves in order. Young, wholetime, bammas were playing with my emotions. I got sick. literally, lost my voice for 2 dasys, due to stress. I complained about the classes and the calls and emails and the ” don’t spend this” and the prying into my life via the bank..etc. Joe. i was worn.. but my folks oput it into perspective. He said ” if the bank was giving out free money one day , but they made you wait and jump through hoops and all that, would you leave knowing they had this guap for you?” my answer was nope.. i’d sit right there and simon says all day until they gave me my bread.
All in all it was a good experience and i learned a lot from the process. so much so that i had to share. Also, lastly some quick tips. don’t use your debit card for everything.. everything shows up, stop paying folks in cash, get checks from the bank, (no money orders) to track your bread, keep a spending journal, go on the financial fast and get a budget together. That’s it. i have a new crib, before the new year..good energy. y’all be easy.
Epilogue: I’m moving soon. Have the utilities ready and we had the house painted while it’s empty which significantly reduces your cost. if you need a good lender and agent holla at me.
* When i wrote this I tried to not use names and such, however, i have to give props where due. Nancy Miranda is my agent. she, my friends, is a beast. Having a good agent is one thing having a; reputable, honest, no BS Agent is a Godsend and Nancy is all of the aforementioned. She made sure that we didn’t get got, educated us when necessary and maintained our best interest at hand..mind you she showed the 1st round of homes and then moved to Hawaii…from Hawaii she got us a proxy agent to show us more homes and eventually our house, answered calls at 3am (her time) and hounded the seller, bank, HPAP, LEDC, GWUL and everyone else, all to ensure that we were taken care of. hats off to our blessing on the big island. We love you gyal!