House Stuff
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We're refinancing our house at a 1.2% lower than our current loan, and to get it off the VA books. That's a good thing. Once that goes through (and it shouldn't be a problem because our credit scores are both over 825 - max possible is 850), we're going to buy another house using my VA benefits again, and rent the current one out (rent will be $300-500 more per month than the actual mortgage payment on the house). The mortgage loan guy said we have the 2nd highest credit score he's ever seen, and we have the lowest expenditure percentage he's ever seen (just 12% of our take-home pay is required to pay our debt, which is limited to just the current mortgage). Assuming we make it past the end of the Mayan calendar relatively unscathed, and assuming that the surviving population is still trading with paper money instead of shiny rocks and animal teeth, we plan on selling the rental house in a coupe of years. If none of that happens, I have a good supply of ammo to fend off the resulting zombie hordes. Ahhh, the lives of the not so rich and famous...
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997Well done, smug bastard. ;P
Dr D Evans "The whole idea that carbon dioxide is the main cause of the recent global warming is based on a guess that was proved false by empirical evidence during the 1990s" financialpost
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John Simmons / outlaw programmer wrote:
We're looking for a 2500+ sqft house on at least two acres of land. We expect to have to pay 250-300K for it.
Really? I'd think these days you could find one (quite) a bit lower. Well, I guess it depends on where you want it. My 2300sqft/2.1 acre was a bit under 200K three years ago just outside of Copperas Cove.
The enemy of my enemy of my enemy of my enemy is Kevin Bacon. My Mu[sic] My Films My Windows Programs, etc.
The same house today would probably run you at least 230k, and you're out in the middle of frakking nowhere. :) We're looking around in the Adkins / St Hedwig / La Vernia / China Grove areas of San Antonio.
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997 -
We're refinancing our house at a 1.2% lower than our current loan, and to get it off the VA books. That's a good thing. Once that goes through (and it shouldn't be a problem because our credit scores are both over 825 - max possible is 850), we're going to buy another house using my VA benefits again, and rent the current one out (rent will be $300-500 more per month than the actual mortgage payment on the house). The mortgage loan guy said we have the 2nd highest credit score he's ever seen, and we have the lowest expenditure percentage he's ever seen (just 12% of our take-home pay is required to pay our debt, which is limited to just the current mortgage). Assuming we make it past the end of the Mayan calendar relatively unscathed, and assuming that the surviving population is still trading with paper money instead of shiny rocks and animal teeth, we plan on selling the rental house in a coupe of years. If none of that happens, I have a good supply of ammo to fend off the resulting zombie hordes. Ahhh, the lives of the not so rich and famous...
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997Congrats on the good finances. I accrued a bunch of debt for about a half decade (school, car, bed, medical bills, etc) and am only now making some progress toward paying it all off (my total debt is around $47K, down from $57K last year). Gonna be a few more years for me; hopefully I'll be back to $0K by the time I'm 30. I'll probably go back to school at some point and get myself some more debt.
[
S<T>::f(U) // Out of line.
](http://msdn.microsoft.com/en-us/library/8yk3t00s(v=vs.71).aspx)
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The same house today would probably run you at least 230k, and you're out in the middle of frakking nowhere. :) We're looking around in the Adkins / St Hedwig / La Vernia / China Grove areas of San Antonio.
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997 -
Not quite that much but close.
Panic, Chaos, Destruction. My work here is done. or "Drink. Get drunk. Fall over." - P O'H OK, I will win to day or my name isn't Ethel Crudacre! - DD Ethel Crudacre Have a bit more patience with newbies. Of course some of them act dumb -- they're often *students*, for heaven's sake. -- (Terry Pratchett, alt.fan.pratchett)
Not quite that much?? 100k won't get you the shittiest of shitty apartments here! Ok I'm lying, it will, but it will, but it will be actually unlivable. "Barely acceptable" begins at 150k, normal houses are at least 200k, nice houses at least 500k and I haven't seen many villa's for significantly less than a million.
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Not quite that much?? 100k won't get you the shittiest of shitty apartments here! Ok I'm lying, it will, but it will, but it will be actually unlivable. "Barely acceptable" begins at 150k, normal houses are at least 200k, nice houses at least 500k and I haven't seen many villa's for significantly less than a million.
I was talking about the savings. We think 300-400 will get us a nice place.
Panic, Chaos, Destruction. My work here is done. or "Drink. Get drunk. Fall over." - P O'H OK, I will win to day or my name isn't Ethel Crudacre! - DD Ethel Crudacre Have a bit more patience with newbies. Of course some of them act dumb -- they're often *students*, for heaven's sake. -- (Terry Pratchett, alt.fan.pratchett)
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I was talking about the savings. We think 300-400 will get us a nice place.
Panic, Chaos, Destruction. My work here is done. or "Drink. Get drunk. Fall over." - P O'H OK, I will win to day or my name isn't Ethel Crudacre! - DD Ethel Crudacre Have a bit more patience with newbies. Of course some of them act dumb -- they're often *students*, for heaven's sake. -- (Terry Pratchett, alt.fan.pratchett)
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We're refinancing our house at a 1.2% lower than our current loan, and to get it off the VA books. That's a good thing. Once that goes through (and it shouldn't be a problem because our credit scores are both over 825 - max possible is 850), we're going to buy another house using my VA benefits again, and rent the current one out (rent will be $300-500 more per month than the actual mortgage payment on the house). The mortgage loan guy said we have the 2nd highest credit score he's ever seen, and we have the lowest expenditure percentage he's ever seen (just 12% of our take-home pay is required to pay our debt, which is limited to just the current mortgage). Assuming we make it past the end of the Mayan calendar relatively unscathed, and assuming that the surviving population is still trading with paper money instead of shiny rocks and animal teeth, we plan on selling the rental house in a coupe of years. If none of that happens, I have a good supply of ammo to fend off the resulting zombie hordes. Ahhh, the lives of the not so rich and famous...
".45 ACP - because shooting twice is just silly" - JSOP, 2010
-----
You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997John Simmons / outlaw programmer wrote:
our credit scores are both over 825
Congratulations. You are now the target of every credit card company on the planet. :)
Best wishes, Hans
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We're refinancing our house at a 1.2% lower than our current loan, and to get it off the VA books. That's a good thing. Once that goes through (and it shouldn't be a problem because our credit scores are both over 825 - max possible is 850), we're going to buy another house using my VA benefits again, and rent the current one out (rent will be $300-500 more per month than the actual mortgage payment on the house). The mortgage loan guy said we have the 2nd highest credit score he's ever seen, and we have the lowest expenditure percentage he's ever seen (just 12% of our take-home pay is required to pay our debt, which is limited to just the current mortgage). Assuming we make it past the end of the Mayan calendar relatively unscathed, and assuming that the surviving population is still trading with paper money instead of shiny rocks and animal teeth, we plan on selling the rental house in a coupe of years. If none of that happens, I have a good supply of ammo to fend off the resulting zombie hordes. Ahhh, the lives of the not so rich and famous...
".45 ACP - because shooting twice is just silly" - JSOP, 2010
-----
You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
-----
"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997 -
We're refinancing our house at a 1.2% lower than our current loan, and to get it off the VA books. That's a good thing. Once that goes through (and it shouldn't be a problem because our credit scores are both over 825 - max possible is 850), we're going to buy another house using my VA benefits again, and rent the current one out (rent will be $300-500 more per month than the actual mortgage payment on the house). The mortgage loan guy said we have the 2nd highest credit score he's ever seen, and we have the lowest expenditure percentage he's ever seen (just 12% of our take-home pay is required to pay our debt, which is limited to just the current mortgage). Assuming we make it past the end of the Mayan calendar relatively unscathed, and assuming that the surviving population is still trading with paper money instead of shiny rocks and animal teeth, we plan on selling the rental house in a coupe of years. If none of that happens, I have a good supply of ammo to fend off the resulting zombie hordes. Ahhh, the lives of the not so rich and famous...
".45 ACP - because shooting twice is just silly" - JSOP, 2010
-----
You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
-----
"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997 -
We're refinancing our house at a 1.2% lower than our current loan, and to get it off the VA books. That's a good thing. Once that goes through (and it shouldn't be a problem because our credit scores are both over 825 - max possible is 850), we're going to buy another house using my VA benefits again, and rent the current one out (rent will be $300-500 more per month than the actual mortgage payment on the house). The mortgage loan guy said we have the 2nd highest credit score he's ever seen, and we have the lowest expenditure percentage he's ever seen (just 12% of our take-home pay is required to pay our debt, which is limited to just the current mortgage). Assuming we make it past the end of the Mayan calendar relatively unscathed, and assuming that the surviving population is still trading with paper money instead of shiny rocks and animal teeth, we plan on selling the rental house in a coupe of years. If none of that happens, I have a good supply of ammo to fend off the resulting zombie hordes. Ahhh, the lives of the not so rich and famous...
".45 ACP - because shooting twice is just silly" - JSOP, 2010
-----
You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997You sound like you are in a similar boat to us - only bill we currently have is our house, and unfortunately we owe more than it is worth. Cleveland's area housing market has really sunk since 2007. Our house is now worth 50K less than we paid for it. Our mistake was buying in 2004, but who knew. One advantage of our situation is that we are now in a position to buy a home in the Orlando area since they have fallen so much and with all the foreclosures there we can buy a home similar to ours now for about 80K - including an inground pool with covered lanai. This same house sold for 250-300K a couple of years back. We are looking to do this in January or so. We actually looked at some houses when we were down there a couple of months ago. It really is amazing how it has fallen apart down there. We saw one house on a golf course that was sold in 2005 for 400K and they were asking 180K for it. Like a mansion.... The nice thing is we will be able to almost pay cash for the Florida house and move there renting out the one we live in now until it recovers or we owe less than it is worth to sell it.
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We're refinancing our house at a 1.2% lower than our current loan, and to get it off the VA books. That's a good thing. Once that goes through (and it shouldn't be a problem because our credit scores are both over 825 - max possible is 850), we're going to buy another house using my VA benefits again, and rent the current one out (rent will be $300-500 more per month than the actual mortgage payment on the house). The mortgage loan guy said we have the 2nd highest credit score he's ever seen, and we have the lowest expenditure percentage he's ever seen (just 12% of our take-home pay is required to pay our debt, which is limited to just the current mortgage). Assuming we make it past the end of the Mayan calendar relatively unscathed, and assuming that the surviving population is still trading with paper money instead of shiny rocks and animal teeth, we plan on selling the rental house in a coupe of years. If none of that happens, I have a good supply of ammo to fend off the resulting zombie hordes. Ahhh, the lives of the not so rich and famous...
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997http://www.naturalspacesdomes.com/domes_for_sale.htm#Texas[^] scroll down to the East Texas one. If you buy this house, and the Mayan's were right: JSOP: "Honey, did you hear something?" Mrs. JSOP: "No John, you're being paranoid." Details: Secure Luxury Underground Multi Dome Complex – One of a Kind Beautifully Landscaped on 40 Acres Fenced and Cross Fenced for Horses Secluded Area – With Oak Trees Centrally Located – 2 Hours from Houston, Dallas or Austin off I-45 Built to be Self Sufficient Secure Investment 3 Bedroom/2 Bath/2.5 Car Garage – 8 Inner Connected Domes 4,778 Sq. Ft. Under Roof includes Home, Garage, Foyers & Tunnels – Does not include Utility Dome or Warehouse 2,729 Sq. Ft. of Living Area Very Energy Efficient Ultra Secure Home Marble Floors Throughout Granite Counter Tops Murals painted in every room You feel your are outside when inside Special Meditation/Spiritual Dome Zoned A/C and Heating Seldom needed due to insulation Average Temperature 74 to 76 F year round Super Energy Efficient Will last over 100 years Secure Quite & Cozy Fire resistant Earthquake resistant Impact resistant Lightning resistant Wind resistant Bullet resistant Aerosol-Poison resistant Water resistant Sound isolating 40 Acre Estate/Ranch Several Water Tanks Natural Spring and Creek Plenty of Oak Trees Private Deep Water Well 20 KVA Back-up Electric Generator Fenced and Cross Fenced with Open Areas Secluded off dead end road Good Neighbors Centrally Located 2 hours from: Dallas, Houston and Austin Ware house: Warehouse 40 x 60 with 16 ft. High Walls 24 x 60 Overhang 3 Offices – 16 feet wide 2 Walk in Closets Full Bath with shower Central Heat and Air Double Large Overhead Doors Wired for Satellite Internet and TV Build in 2000 before going “Green” came into Vogue. Deer, Boar, Ducks, etc. on Property Featured on Home & Garden TV in USA Featured in Weird Homes in Canada Written up in several Magazines Too Many Features to List
Craigslist Troll: litaly@comcast.net "I have a theory that the truth is never told during the nine-to-five hours. " — Hunter S. Thompson
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John Simmons / outlaw programmer wrote:
our credit scores are both over 825
Congratulations. You are now the target of every credit card company on the planet. :)
Best wishes, Hans
The funny thing about good credit is once you get it, you don't need it. My rating and my wife's have gone up over 750, but we just refinanced into a 15 year deal and already have car loans. We don't plan on ever having another loan since we have enough invested to buy what we need in the future.
I didn't get any requirements for the signature
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John Simmons / outlaw programmer wrote:
our credit scores are both over 825
Congratulations. You are now the target of every credit card company on the planet. :)
Best wishes, Hans
One of our dogs got an application a month or so ago. :) It was a fight, but we finally convinced her that racking up debt at her age would be a really bad idea.
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997 -
One of our dogs got an application a month or so ago. :) It was a fight, but we finally convinced her that racking up debt at her age would be a really bad idea.
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997John Simmons / outlaw programmer wrote:
racking up debt at her age would be a really bad idea
Good advice. It's a dog-eat-dog world out there, and dogs age so fast that paying off any debt would be ruff.
[
S<T>::f(U) // Out of line.
](http://msdn.microsoft.com/en-us/library/8yk3t00s(v=vs.71).aspx)
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John Simmons / outlaw programmer wrote:
the lives of the not so rich
Not so rich? I bet you are in the top 1% of the world population when it comes to money.
Not. We just take care not to get in over our heads. Combined, we make significantly less than $200K/year. We simply don't carry a lot of debt.
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997 -
http://www.naturalspacesdomes.com/domes_for_sale.htm#Texas[^] scroll down to the East Texas one. If you buy this house, and the Mayan's were right: JSOP: "Honey, did you hear something?" Mrs. JSOP: "No John, you're being paranoid." Details: Secure Luxury Underground Multi Dome Complex – One of a Kind Beautifully Landscaped on 40 Acres Fenced and Cross Fenced for Horses Secluded Area – With Oak Trees Centrally Located – 2 Hours from Houston, Dallas or Austin off I-45 Built to be Self Sufficient Secure Investment 3 Bedroom/2 Bath/2.5 Car Garage – 8 Inner Connected Domes 4,778 Sq. Ft. Under Roof includes Home, Garage, Foyers & Tunnels – Does not include Utility Dome or Warehouse 2,729 Sq. Ft. of Living Area Very Energy Efficient Ultra Secure Home Marble Floors Throughout Granite Counter Tops Murals painted in every room You feel your are outside when inside Special Meditation/Spiritual Dome Zoned A/C and Heating Seldom needed due to insulation Average Temperature 74 to 76 F year round Super Energy Efficient Will last over 100 years Secure Quite & Cozy Fire resistant Earthquake resistant Impact resistant Lightning resistant Wind resistant Bullet resistant Aerosol-Poison resistant Water resistant Sound isolating 40 Acre Estate/Ranch Several Water Tanks Natural Spring and Creek Plenty of Oak Trees Private Deep Water Well 20 KVA Back-up Electric Generator Fenced and Cross Fenced with Open Areas Secluded off dead end road Good Neighbors Centrally Located 2 hours from: Dallas, Houston and Austin Ware house: Warehouse 40 x 60 with 16 ft. High Walls 24 x 60 Overhang 3 Offices – 16 feet wide 2 Walk in Closets Full Bath with shower Central Heat and Air Double Large Overhead Doors Wired for Satellite Internet and TV Build in 2000 before going “Green” came into Vogue. Deer, Boar, Ducks, etc. on Property Featured on Home & Garden TV in USA Featured in Weird Homes in Canada Written up in several Magazines Too Many Features to List
Craigslist Troll: litaly@comcast.net "I have a theory that the truth is never told during the nine-to-five hours. " — Hunter S. Thompson
That ain't no thang. THIS is more appropriate: Look at the 2nd property in the list[^] It has a perimeter fence! I bet it even still has the sensor system still installed, not to mention the most killer sky-light ever devised by man. :)
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997 -
That ain't no thang. THIS is more appropriate: Look at the 2nd property in the list[^] It has a perimeter fence! I bet it even still has the sensor system still installed, not to mention the most killer sky-light ever devised by man. :)
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997ohh, is that a commutable distance for you John? Sadly, not drained yet.
Craigslist Troll: litaly@comcast.net "I have a theory that the truth is never told during the nine-to-five hours. " — Hunter S. Thompson
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Not. We just take care not to get in over our heads. Combined, we make significantly less than $200K/year. We simply don't carry a lot of debt.
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997With India and China well below normal income in the US, you may very well be in the top 1% or so.
[
S<T>::f(U) // Out of line.
](http://msdn.microsoft.com/en-us/library/8yk3t00s(v=vs.71).aspx)
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Is this your way of gloating to the rest of us?
That's called seagull management (or sometimes pigeon management)... Fly in, flap your arms and squawk a lot, crap all over everything and fly out again... by _Damian S_
If someone had posted earlier about losing their house/property due to financial misfortune, and I posted my message with a direct reference to that person's misfurtune, THAT would have been gloating. Let's try to keep clear of misused terminology...
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997
