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, 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
-----
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 -
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
-----
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
-----
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 -
John 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)
It definitely gives them paws about such things... I know I'd be worried fur a long time, it any of our dogs ran up a lot of debt. At leash she has a good head on her shoulders, and I didn't have to tail her twice.
".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 -
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
-----
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 -
With 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)
AspDotNetDev wrote:
With India and China well below normal income in the US
And Africa, and South America, and most of the rest of Asia.
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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, 1997That is awesome JSOP! My credit score was at 794 at one time. My wife and I have a plan to be debt free in 10 years (including the mortgage on the house we just closed on 2 weeks ago.) I don't think it's the amount of cash on hand that makes you rich. It's handling it the right way and living within your means. There is also a difference between being rich and wealthy. I'd label you as very wealthy! My wife's younest is way into Zombies. You'd be his hero!
If you know what I mean...and I think you do...
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AspDotNetDev wrote:
With India and China well below normal income in the US
And Africa, and South America, and most of the rest of Asia.
Whoops, missed a few billion. :-O
[
S<T>::f(U) // Out of line.
](http://msdn.microsoft.com/en-us/library/8yk3t00s(v=vs.71).aspx)
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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, 1997John Simmons / outlaw programmer wrote:
(and it shouldn't be a problem because our credit scores are both over 825 - max possible is 850)
I was surprised by that when I went to see the credit union to find out what they could offer me for a home loan. I went in wearing a tshirt and cut off shorts. The loan officer was looking really skeptical until my credit rating came back a 830. Then he just asked how much I wanted.
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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, 1997John Simmons / outlaw programmer wrote:
...our credit scores are both over 825 - max possible is 850),
Only if you are assuming the Fair Issac scale.
"One man's wage rise is another man's price increase." - Harold Wilson
"Fireproof doesn't mean the fire will never come. It means when the fire comes that you will be able to withstand it." - Michael Simmons
"Some people are making such thorough preparation for rainy days that they aren't enjoying today's sunshine." - William Feather
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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
-----
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, 1997So sad they still don't list Shadow Moses island, although I heard it was sinking ;P
"Whether you think you can, or you think you can't--either way, you are right." — Henry Ford
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John Simmons / outlaw programmer wrote:
Combined, we make significantly less than $200K/year
I wrote "world population", not "U.S. population".
Yes, we would be in the top 1% world-wide, and top 4% in the US.
".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, 1997 -
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.
