I would've helped you move, Fender.
I work for Bookstore Movers on the weekends (they have a website).
I has the moving experience. Two-wheelers and four-wheelers are your friends.
Also, use small boxes for books, medium boxes for odd-fitting things, and large boxes for cushions and blankets. This advice is probably too late now. Sorry.
I work for Bookstore Movers on the weekends (they have a website).
I has the moving experience. Two-wheelers and four-wheelers are your friends.
Also, use small boxes for books, medium boxes for odd-fitting things, and large boxes for cushions and blankets. This advice is probably too late now. Sorry.
By Smokey Go To PostHear that Fender?
Smoke Dogg could've had your shit packed in a day. You two should exchange info.
I would help you too, Smokey, even though I talk a lot of trash about Xbox/Microsoft, it's all in good fun.
By Smoke Dogg Go To PostI would've helped you move, Fender.
I work for Bookstore Movers on the weekends (they have a website).
I has the moving experience. Two-wheelers and four-wheelers are your friends.
Also, use small boxes for books, medium boxes for odd-fitting things, and large boxes for cushions and blankets. This advice is probably too late now. Sorry.
We did that with boxes. MOst of the time boxing was the kitchen and garage which we did Thursday and Friday. Sat family came over, helped us box more and then move everything into he POD. Sunday my wife and I did clean up, more light packing and a load to her parents that won't fit on the pod. Packing a house in 4 days is no joke.
By Fenderputty Go To PostGot the entire house packed in 4 days. Took Thursday and Friday off. Which played right into the buyers hands. They requested a 7 day escrow knowing we would have to start to react if we wanted to hit that target. We started escrow last Monday. They couldn't get inspection until Friday. They said they would have the report by Friday night. Didn't happen. They filed an extension to Monday. In the meantime I'm packing my pod. Monday morning the inspection report comes over and buyer wants a 10K credit. Today is going to be a fun day for me. No stress at all. Closure is Wednesday now if we can negotiate this.
We offered up 3K and told their relator to come up with the rest if the buyer wants more. The realtor capitulated (probably because even after she kick some money in she's still making 10K). Hopefully the inspection contingency is released tonight ... it's looks like it will and I'll be on the market to purchase by the weekend.
By Smoke Dogg Go To PostI would've helped you move, Fender.Leonard Smoke
I work for Bookstore Movers on the weekends (they have a website).
I has the moving experience. Two-wheelers and four-wheelers are your friends.
Also, use small boxes for books, medium boxes for odd-fitting things, and large boxes for cushions and blankets. This advice is probably too late now. Sorry.
By Hitch Go To PostLeonard SmokeSorry, what is this in reference to?
They just signed the inspection contingency, I doubt they fund and record same day, but maybe I’ll get lucky tomorrow
By LFMartins86 Go To PostGot a job interview in 15 minutes, nervous as hell as it has been ages since my last interview.
if smoke can get a clearance, you can do anything
By LFMartins86 Go To PostGot a job interview in 15 minutes, nervous as hell as it has been ages since my last interview.
I always liked to view them as practice for the next. Kept stress off me to perform in the moment but focused me enough to take it seriously.
By Fenderputty Go To PostWe ended up having to sign another extension, but it's closed. I'm homeless.C... Congrats? lol
By Kibner Go To PostC… Congrats? lol
I'm a wealthy transient shaking up in a home. Before I was an indebted home owner. A momentary lapse of comfort until I'm married to my next mortgage.
By Fenderputty Go To PostI'm a wealthy transient shaking up in a home. Before I was an indebted home owner. A momentary lapse of comfort until I'm married to my next mortgage.
lol congrats
I'm looking hard at a 3 story town home with an attached 2 car garage. Shits 🔥
I really should be looking at a house but I REALLY don't want to go through that fucking process. Sounds 2much. And I think I still like mobility too much. Being able to move around to different parts of the city and not being "married" to a mortgage as you put it.
By Random Ass Username Go To Postwhat do you have right now?
Renting a home. But with new job coming up, I'm able to relocate closer as a perfect example, hence the townhome. I can keep my commute light this way vs potentially extending it whenever a new opportunity comes up. Of course the solution is to find a house in the city to buy and be central, but that's expensive af.
Actually the mortgage would most likely be fine, it's the 20% down bs. I guess if I really wanted to I could do FHA and the 3% min or whatever?
By Smokey Go To PostRenting a home. But with new job coming up, I'm able to relocate closer as a perfect example, hence the townhome. I can keep my commute light this way vs potentially extending it whenever a new opportunity comes up. Of course the solution is to find a house in the city to buy and be central, but that's expensive af.
Actually the mortgage would most likely be fine, it's the 20% down bs. I guess if I really wanted to I could do FHA and the 3% min or whatever?
If a job that was so great came up that you had to move (anywhere really), you just rent your home you own and move (either rent or buy again if you have the down). I mean, what's the rent market like out there? Would your mortgage be comparable? If that's the case, it could be prudent for you to just buy a property to rent even if you go the townhouse route. Regardless of one's opinion on the matter, reality is that property is an investment. So far one that's made me quite a bit more money than I would have been able to save over the last 9 years.
It's timing though and I'm not familiar with the Houston market. Considering the area's growth though, I would imagine housing costs and property values are increasing.
It's actually slowing some out here. Prices are dropping this summer as the market has cooled. I may save money for a couple month before I jump back in. Maybe get a better deal
By Fenderputty Go To PostIf a job that was so great came up that you had to move (anywhere really), you just rent your home you own and move (either rent or buy again if you have the down). I mean, what's the rent market like out there? Would your mortgage be comparable? If that's the case, it could be prudent for you to just buy a property to rent even if you go the townhouse route. Regardless of one's opinion on the matter, reality is that property is an investment. So far one that's made me quite a bit more money than I would have been able to save over the last 9 years.
It's timing though and I'm not familiar with the Houston market. Considering the area's growth though, I would imagine housing costs and property values are increasing.
I get it.
Really it's just I find the whole process intimidating tbh. And I do like retaining some mobility. My own timeline in my head is to be in a house by the time my son starts school, so I still got a few years.
By Smokey Go To PostRenting a home. But with new job coming up, I'm able to relocate closer as a perfect example, hence the townhome. I can keep my commute light this way vs potentially extending it whenever a new opportunity comes up. Of course the solution is to find a house in the city to buy and be central, but that's expensive af.Honestly the best time to buy is when you can and relatively younger with the kid small than trying to move even more shit a couple times over. I'd pick something you'll be content with for a long time if you can afford it, why not. There's times when an area is just so solid and you really dig the house, and you can't imagine being anywhere else. Also and I'm sure you know/experience this, a shorter commute goes such a long way in terms of getting shit done and being less tired when you return home.
Actually the mortgage would most likely be fine, it's the 20% down bs. I guess if I really wanted to I could do FHA and the 3% min or whatever?
By Smokey Go To PostI get it.
Really it's just I find the whole process intimidating tbh. And I do like retaining some mobility. My own timeline in my head is to be in a house by the time my son starts school, so I still got a few years.
That's why I asked what the market is like out there? What the rent market is like? Would interest rates hurt thing? The sooner you get into property the better (to some extent). If you think there's a chance at some fall, waiting 2 years might be better. I'm set in my job though. This is my landing spot. So I'm less worried about market fluctuations considering I'm thinking of rooting there for 10 or so years at least.
Buying a house is pretty nerve wrecking, but it's also exciting. My wife and I bought our first house on 65K combined income for 264K and needed a roommate to pay for the mortgage. The market was so crazy at the time too. Everything was a short sale and banks were taking lesser all cash offers instead of FHA loans. Finding a standard sale who didn't care about the immediacy of cash was tough. My wife went and looked at the house while I was at work and we put in an offer without me seeing the thing. I just got a phone call. If we wasted any more time we would have lost out to another bidder. We offered 2K over asking price on a standard sale and got it.
The market is probably going to crash in the next two years so it would be better to wait on such a long term investment.
By Fenderputty Go To PostThat's why I asked what the market is like out there? What the rent market is like? Would interest rates hurt thing? The sooner you get into property the better (to some extent). If you think there's a chance at some fall, waiting 2 years might be better. I'm set in my job though. This is my landing spot. So I'm less worried about market fluctuations considering I'm thinking of rooting there for 10 or so years at least.
Buying a house is pretty nerve wrecking, but it's also exciting. My wife and I bought our first house on 65K combined income for 264K and needed a roommate to pay for the mortgage. The market was so crazy at the time too. Everything was a short sale and banks were taking lesser all cash offers instead of FHA loans. Finding a standard sale who didn't care about the immediacy of cash was tough. My wife went and looked at the house while I was at work and we put in an offer without me seeing the thing. I just got a phone call. If we wasted any more time we would have lost out to another bidder. We offered 2K over asking price on a standard sale and got it.
Rents are climbing, but Houston is still one of the best and most affordable for a big city. Same for housing. This townhome rent would get me into some lavish home tbh. But the convenience of not being far from work is strong. It's really the down payment part that I mentioned before. To get into a crib I'd want, realistically saving for that kind of money is a super long process. Like years. Then of course there's school districts which we're gonna have to pay attention to now. Just not ready to get into all of that just yet, even knowing the benefits of having property.
It's past time to start saving the money needed, then. Should already have a good idea of the school districts you want to be in.
Just to chime in here, there's also private schools if you really like an area for the neighborhood but think the schools are lacking.
He'll be going to these fine public instutions mommy and daddy went to. There's several districts around that are really good.
By LFMartins86 Go To PostGot a job interview in 15 minutes, nervous as hell as it has been ages since my last interview.so how did it go?
By Smokey Go To PostRents are climbing, but Houston is still one of the best and most affordable for a big city. Same for housing. This townhome rent would get me into some lavish home tbh. But the convenience of not being far from work is strong. It's really the down payment part that I mentioned before. To get into a crib I'd want, realistically saving for that kind of money is a super long process. Like years. Then of course there's school districts which we're gonna have to pay attention to now. Just not ready to get into all of that just yet, even knowing the benefits of having property.
FHA man. PMI sucks tho
By Fenderputty Go To PostFHA man. PMI sucks tho
That's what I was thinking but ...could be ignorance here, is it (PMI) that big of a deal if I don't plan to stay in that first house for forever?
By Smokey Go To PostThat's what I was thinking but …could be ignorance here, is it (PMI) that big of a deal if I don't plan to stay in that first house for forever?
PMI just sucks cause it's not something that ever goes towards your equity and it's not something you can get rid of without refinancing or moving and it's not tax deductible. It's insurance for the bank incase you go belly up. Some people are offering 15 and I think some even 10 percent down right now without PMI though. You should reach out to a loan guy just to feel it out in your area. 3.5% down is a hell of a lot easier to scrounge up though.
The sooner you move or reach 20% equity for a refinance the better.
By Fenderputty Go To PostPMI just sucks cause it's not something that ever goes towards your equity and it's not something you can get rid of without refinancing or moving and it's not tax deductible. It's insurance for the bank incase you go belly up. Some people are offering 15 and I think some even 10 percent down right now without PMI though. You should reach out to a loan guy just to feel it out in your area. 3.5% down is a hell of a lot easier to scrounge up though.
The sooner you move or reach 20% equity for a refinance the better.
That's what I mean. First house isn't something I plan to be in THAT long, so in the case PMI doesn't seem to be that big of a deal. In my head at least.
3.5% would be pretty doable though, we've talked about that route.
By joefu Go To Postso how did it go?Went quite well. The jury told me I was much more calm than the other candidates.
They seemed to appreciate my answers to their questions.
Left with a good feeling, still have to wait a while for the results as they had another round of interviews all day today.
By Francis Go To PostRoger Waters last night was… 👌Went to his show in June in Amsterdam. It was amazing.
I shook his hand! Never washing it again.
He tweeted about his range rovers.
Everyone knows the range rover is the internationally accepted symbol of a gammon.
Everyone knows the range rover is the internationally accepted symbol of a gammon.
By Facism Go To PostHe tweeted about his range rovers.Pre-built PCs are also a good identifier of gammons
Everyone knows the range rover is the internationally accepted symbol of a gammon.
By Baconsaurus Go To PostWent to his show in June in Amsterdam. It was amazing.I'm not usually a fan of mocking the likes of Trump by making silly caricatures, it's been done a quadrillion times over, but the way it was set-up with that whole explanation of how you shouldn't differentiate between animals; together with the definition of the word "pig" and then the eponymous song...
Fucking perfection.
I laughed so hard. It was almost like a lost Monty Python sketch.
By Facism Go To PostEveryone knows the range rover is the internationally accepted symbol of a gammon.
By NinjaFridge Go To PostPre-built PCs are also a good identifier of gammons
Was actually giving serious consideration to a Range Rover.
This gives me pause.
y'all, the auto-playlist after that james brown song is so good and happy and i'm loving life right now
It's pretty aggravating when your insurer and the medical/dental/whatever provider are giving you numbers that don't match or add up. one of them is wrong obviously. Need fuckin' single payer this shit.
My wife is probably going to get a 25-30K promotion this week .... I hope I'm not speaking too soon. It would be huge for us right now. A. it opens up more home possibilities and B. it makes living easier with a giant mortgage.
By Fenderputty Go To PostMy wife is probably going to get a 25-30K promotion this week …. I hope I'm not speaking too soon. It would be huge for us right now. A. it opens up more home possibilities and B. it makes living easier with a giant mortgage.
slaent brehs keep winning.
