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Throughout our stay (and especially when we move out), walls need painting. For friends and fun! Reddit community for fans of the 2020 World Series Champion Los Angeles Dodgers. At $60k/yr that gets you $2000/mo in debt payments. I'm going to be commuting about 60 miles while I pay everything off and then start saving up. There is another town that borders this one, and I’ve seen a few houses for it in the 200-215k range that look just as good, it’d just be about a 15 minute drive and the schools aren’t rated as high. In a TIC, there's no right of survivorship, so the home doesn’t go to the last surviving owner. Find communities you're interested in, and become part of an online community! My truck is already about 5 years old. HOA fees are ridiculous. Zillow and NerdWallet are very good. If we estimate utilities to run maybe $400/month (and it could be much more if you live in a place with cold winters or really hot summers and the furnace/AC runs a lot), and a few bucks for maintenance, your monthly house obligation will likely push $1600-2000/month. Thanks! Wife to share in 46383, and surrounding areas. But you definitely have fair points to consider. However, like I said, you really don’t have to worry about anyone else. Save cash like a hermit until you have enough to pay off the vehicle. Foreclosure is rarely a choice homeowners make willingly. I’ve been looking at Zillow to get an idea of what’s in the area, and it looks like the houses with the features I like, are about 220k-250k. They will also only lend you up to where that monthly mortgage payment is ~30% of your gross monthly income. They are both going to be paid off, so which do you pay off first? This version of Facebook uses less data and works in all network conditions. I don’t want to be “mortgage broke” but I would like to get as nice as I can afford with some spending money, savings, and maybe a new truck 5 years in the future. So if you buy a $400,000 home, just say goodbye to $100,000 that you worked hard for. In the mean time, see you on Reddit, Steam or Github (links below). Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. I plan to have no debt when I purchase, and keep my truck until the wheels fall off, but I currently have no down payment money either. Let's just say the vehicle and CC can both be paid off in one year. Reddit Enhancement Suite. I should net right at about 3k a month. Fedilab. If you're planning to take out a mortgage to make your home purchase when you're in … I just sold an off-road UTV for about the same I paid for it, and eliminated that payment, as well as took the surplus $3800 and paid it on a credit card balance. 50 votes, 24 comments. Dive into anything. The ones I avoid are those with fees of $400+ per month, I do wonder though... Do regular homes cost more despite them not having HOA's on a yearly basis? Some say I NEED 20% down to avoid PMI, others say I can do an 80-10-10, and others still say put down the bare minimum to get the loan and just pay the PMI. Financial advice, frugality tips, stories, opportunities, and general guidance for people who are struggling financially. 108k members in the liberalgunowners community. Offered by: redditenhancementsuite.com. reddit Inc. Reddit Enhancement Suite is a community-driven unofficial browser extension for Reddit. Lights need to turn on. (We should have seen this one coming after that guy live-tweeted a breakup .) While it's true that some homes do appreciate, so do many other assets. Once I’m completely debt free, I’ll start establishing my savings and looking for a house. Wanted to give some insight into PMI. Because even when you sell the house later you’re just going to take that money and put it into another downpayment. Christopher Walken has admitted he has never owned a phone or a computer. Smooth, fast, powerful, custom. Appearing via Zoom to talk about his movie Wild Mountain Thyme on The Late Show, Walken told host Stephen Colbert, "Somebody had … Thanks! Good point. If you crunch the interest paid between the credit card and the truck, theres not a huge difference. Press J to jump to the feed. Explore millions of awesome videos and pictures in an endless random gallery on Scrolller.com. People - Christopher Walken is living life free from technology. There's a few different traditional guidelines that people follow with home purchases. Be careful. It’s a Nissan and they are fairly reliable. Never owned a home before, trying to figure out a budget. I have written before about how expensive our jobs are. You can declare bankruptcy on a credit card, which will haunt you, but...it is an option. If I were to pay off that 80k condo in full I would just have to pay the monthly HOA, monthly taxes and monthly insurance for life right? Your payments plus the improved condition will get you equity, so you can easily refinance to get rid of PMI, and take advantage of a 1% or better lower interest rate, which fluctuates...shop around for the lowest refinancing fees, you have good credit so dont be lazy... Get a 30 year fixed rate loan, you can make extra principal payments if you want, but if you get a 15-year loan just because you can afford it, you are stuck with the higher payment when you have a "bad year". Buying a $250k home with 20% down ($50k) would run around $1150 for mortage/taxes/insurance. Housing. At the end of the day, yes you own your apartment, but you don’t own the land under it. So I think you are on the rich side of home values for your income. While you’ll find lots of tips from real estate agents and banks, it’s also wise to listen to people who’ve been in your position. Reddit and penises go together like peas and carrots, making this list of the website’s most insane dick stories further proof that Reddit is, in fact, the greatest place on earth. I’ve never been here, but it feels like home. As long as nothing goes wrong until settlement, it will be a great investment. In 2016, 68% of buyers aged 62-70 financed their home. Christopher Walken Has Never Owned A Computer Or A Cell Phone brobible.com - FrancisEllis. You generally can't buy a home under first-time status if your wife is currently a homeowner, with a few exceptions. But if the taxes/utilities fell on the higher end, it might be tight. The interest rate on it is about 2.5%, the interest rate on the card is about 20%. Facebook. I live in a relatively low COL state, so I can see myself staying in this position for a good while, assuming everything “jives” when I get in the office. I gotta save up enough to get some basic furnishing and emergency funds too. 80-10-10 is two mortgages in essence. Special assessments for big ticket items. Appreciate the input. Join our community, read the PF Wiki, and get on top of your finances! Add in some money for utilities and maintenance, and you're a bit above. Press question mark to learn the rest of the keyboard shortcuts. Foreclosure is rarely a choice homeowners make willingly. Christopher Walken joined Colbert on The Late Show, where he told the host that he’s never owned a computer or a cell phone:“I got to a certain age … You might end up with a screaming child right next to or above you and walls are thinner than townhomes. Long-time contributor Cheeseness has put together a poster and an introductory video to celebrate the release. I just accepted a new job with a starting salary of a little over 60k. I have a connected smart home with lights and locks etc already which i control with my watch/phone/google home mini. A bank will lend you at most ~40% total debt/income. Texas has a website where you can browse some of their programs and contact a lender who specifically works with those programs - https://www.tsahc.org/homebuyers-renters/first-time-home-buyer-grants. The veteran actor, now starring in Wild Mountain Thyme opposite Emily Blunt … Thinktank predicts half will be renting in their 40s and a third ‘by time they claim pensions We’re talking about computers, not TikTok. Ideally, I’d pay the card off first as it’s much higher interest, but I’m tempting to pay the truck off first instead as it’s a much higher monthly obligation. That being said, I'm from MI and the rules likely aren't exactly the same but they look similar. I can tell you that you put more information about you out there than you know. For someone who’s never owned a homepod; is it worth buying a stereo pair for use with my appletv 4k right now? I’m around a 700 right now, but I’m hoping with all the debt clearing, I’ll land around 750. Christopher Walken says he's never owned a phone or computer NME - Ella Kemp. But I will definitely be considering it as I don’t want to over extend. $2.99. The vehicle payment is the same whether you owe three years or three months. I believe that in this current housing market, it makes a lot of sense to shop for bank-owned homes or foreclosures; bank-owned homes will go a LOT smoother than short sales. I keep peeking into Redfin (properties app) and I always see condos under 80k, I never owned a home and I was wondering what would be the best first time owner programs for me a resident of Texas that does not make a lot of money but my credit is in great standing and no debt. You can do work yourself or look around for the best deal. Sure. Thank you for the response! Second homes and properties purchased for investment purposes are big business in the U.S. Many have washers and dryers. This is going up from 35k, however my current insurance is cheaper, and the new job has a mandatory state education retirement, so according to my calculations, I’ll net about 50% more after taxes, insurance cost increase, etc. It sucks that inflation and stagnant wages (even though this is a big raise for me) have made buying a nice home something that nearly requires 2 incomes. In general you can find a home for equivalent cost, but there’s slightly more upkeep in most cases. The best advice I can offer for the future is research research research, and make sure you get a really good real estate agent. Planning on buying your first home? ... Home Extensions Reddit Enhancement Suite. As investments go, it's not always a great deal. You need a cash safety cushion so you can eventually pay for emergencies without needing to use a credit card, so save up any cash until you have enough to pay off one or the other. But I've been living at home with my parents for the last several years and it's killing my self esteem to be 32 and living at home. Suffice to say, when you write that check, you’re never going to see that money again. The max is 75k, which I presume to hopefully hit in a few years. J.D. On the other hand a small condo apartment is going to be smaller than any stand alone home you can purchase so for some people that makes it more a affordable. I'd make the minimum CC payment plus round it up to the next $100. Reddit is a network of communities based on people's interests. In general look at the total cost of ownership. We pay a heck of a lot more money than we think to work (think about work clothes, food, cars, fuel, commutes, etc), and our homes work in much the same way. Most functionality will not work on the redesign. Entertainment Weekly - Don't expect Christopher Walken to follow in Mandy Patinkin's footsteps and twerk on TikTok anytime soon, especially since the actor has never owned a cellphone or computer. Well, my reasoning is for the 80-10-10 to get in a home sooner, is that I would save a ton in gas and vehicle maintenance. 4,211. I’ll have the mandatory retirement coming out, and I want to contribute enough to get the optional 403(b) match. On a loan amount of $200k, that’s $34/mo. In general, foreclosure only occurs when there are no other options. Fixtures might need chan… I was just hoping that maybe someone could help me crunch some numbers. But I will definitely study that advice. It would be paid for in about 10-11 months even if I didn’t throw a single extra dollar at it, so I’m forecasting hopefully another good 4-5 years out of it. I know here, a lot of buyers using some of our first time home buyer programs have trouble finding condos that are eligible to purchase. If you choose to contact a lender, I would let them know you're interested in condos. Please note that RES is specifically designed to work on OLD reddit. Depending on taxes and insurance, your monthly net income might be around $3000-3500, depending on your deductions and exemptions. So you could end up with $1000-1500/month outside of the house obligation, and that would have to cover food, household items, gas, car insurance, and any other spending and saving you may try to do. HOAs can levy additional fees in order to fund a project. Suffice to say, when you write that check, you’re never going to see that money again. You still have property taxes to pay, the HOA fees. Fedilab is a multifunctional Android client to access the distributed Fediverse. The thing about a condo is that some of your expenditures are determined by a democratic process. Because even when you sell the house later you’re just going to take that money and put it into another downpayment. Reddit (/ ˈ r ɛ d ɪ t / , stylized in its logo as reddit) is an American social news aggregation , web content rating , and discussion website. Rucker/CC BY 2.0. As far as loans, conventional are the best (or VA) usually followed by FHA. I know that the general advice here is to avoid it at all costs, which shouldn’t be, in my opinion, always the case. Condos aren’t really great unless they’re absolutely in an area where you want to be. For $60k, that's about $1500/month. My take is that...if you keep the vehicle for ten more years, you will no longer have that payment for ten years if you pay it off. A good rule of thumb is for your house payment including principle, interest, taxes, insurance, and HOA do not exceed 25% of your monthly income after taxes (not after benefits but just after taxes). 1. Foreclosures are most common due to job loss, serious medical conditions that prevent ongoing employment, serious maintenance issues with the home that a homeowner can't afford to fix, divorce, or other drivers of consumer, educational, or medical debt. Only if you like living 3 inches away from your neighbors. I am reposting it here today as part of the dialogue about renting and homeownership that … A year after becoming a first-time homeowner, Reddit user Tuttifrutty shared some tips for … Especially when you know you want to add in a truck purchase in about 5 years. An ad-free Twitter like never before. Christopher Walken joined Colbert on The Late Show, where he told the host that he’s never owned a computer or a cell phone: “I got to a certain age where it just passed me by.” Hey Chris? Seems like it could be a little tight on the budget, and not leave a lot extra per month. Pay off vehicle, then hammer the CC... Then save for the house down payment. Nothing major. The CC minimum payment to keep a good credit score goes down as the balance gets paid down, which gives you flexibility. So if you buy a $400,000 home, just say goodbye to $100,000 that you worked hard for. My Secret Captions Chastity, FLR, whatever she says..., 18 years old and + only I’ve read conflicting information on the down payment. Reddit. If you could only put $25k down, the PMI would push the monthly payment up to about $1350/month. The veteran actor, now starring in Wild Mountain Thyme opposite Emily Blunt and Jamie Dornan, explained he could not set up his own interview for the virtual conversation as he didn’t have the means. Press question mark to learn the rest of the keyboard shortcuts, https://www.tsahc.org/homebuyers-renters/first-time-home-buyer-grants. If your credit score is in the top tier (760+), your PMI factor should be around .2%. Do not get a 30 year mortgage in order to afford more home. You had your wits about you in the ’90s dude. tschneider. I personally would recommend someone put 20% down and avoid PMI. I can't tell you specifically, unless you tell me your Reddit username. However, I’m not sure how much house I will be able to afford. My home was a short sale, and it took around four months to finally get my offer accepted. There are pros and cons to both options, but the bottom line is that while your loan is important, your real estate agent is even more important. One in three UK millennials will never own a home – report This article is more than 2 years old. Be aware that most condos are part of HOA developments, which is an additional fee on top of your mortgage, insurance, and taxes. A site owned by Amazon aimed at providing content and reviews about digital photography gear across the world. TikTok. Ideally on a 15 year fixed rate mortgage, not a 30. Thanks for the perspective and figures. This is a place for liberal gun-owners … It all depends on the situation at the time of your purchase, right now the interest rates are really low, but interest rates could go up in a few years. While appearing virtually on an episode of The Late Show Tuesday, the 77-year-old actor spoke candidly to host Stephen Colbert about his avoidance of modern-day technology. 75.7k members in the Dodgers community. Asked by the late-night host if it was true that he has "never owned a … According to the National Association of Realtors' 2017 Investment & Vacation Home Buyers Survey, about 12% of all home sales in 2017 were acquired for vacation use and 19% for investment purposes.With roughly 6 million properties changing hands each year, 1.8 million are for non-primary use. No Judgement, just advice! They can tell you what the situation around you is. Junglee A shopping service launched by Amazon in India in 2012 where customers can find millions of products, read product and seller reviews, and check prices across a wide variety of product categories. Homes need appliances like refrigerators, ovens, stoves, and microwaves. So yes, I am all aboard team bought-a-house – but you don’t need to buy a house to save money, earn money, or be a “real adult”. I promise. Those are loan options for broke people and no don't really put you better off than PMI. Foreclosures are most common due to job loss, serious medical conditions that prevent ongoing employment, serious maintenance issues with the home that a homeowner can't afford to fix, divorce, or other drivers of consumer, educational, or medical debt. If the car is paid off, any monthly money that would have gone to the car payment can be added to the CC payment. A first-time homebuyer has not owned a home in the past three years. Thanks for the insight! Reddit is home to thousands of communities, endless conversation, and authentic human connection. First-time homebuyer status makes it easier to get your foot in the door through low down payments and grants. There is no way I could live in a condo or apartment . Is buying a good financial move? The max is 75k, which I presume to hopefully hit in a few years. Pick a house that’s WELL within those ranges and you’ll be golden. First, let me step back and give you some context on how and why I bought a house, so we’re all on the same page here. I bought it new. I just accepted a new job with a starting salary of a little over 60k. Condo ownership is not as simple as it is often made out to be. Press J to jump to the feed. Homes also need working plumbing. Landscaping needs maintenance. In a condo decisions on what work to do and who to pay to do it are determined by the elected board. I don't think it will take too long to pay them off, maybe 2-3 months for the card and 2-3 months for the truck or maybe a little longer like you say, since it's almost non-existent interest. Just because you’ve paid off the mortgage on the place doesn’t mean you don’t have obligations. 80-10-10s are barely worth it especially at your income level and financed amount. So hopefully within about a year. So hopefully when I get ready to buy I will be debt free. 2014-05-21: Neverball 1.6.0. You can’t choose your neighbors. Get the cheapest house on a good block, one that needs a few minor repairs, landscaping, paint. Shop around for different settlement companies if you can, some are a little more flexible than others. Whether you're into breaking news, sports, TV fan theories, or a never-ending stream of the internet's cutest animals, there's a community on Reddit for you. If you are injured and lose your job, the vehicle could be repossessed for lack of payment. Technology should help to bring people together. General rule is about 3x income for the financed portion of the house, so you could reasonably go to $180K financed without stretching yourself too thin. In some cases a simple majority could almost double your fees. Thanks for the A2A. There's a bit of debate about whether you should talk to a lender first when you decide to buy a home or to a real estate agent. Christopher Walken has admitted he has never owned a phone or a computer. Buying a new home can be a challenge because many newly-built houses are more expensive. Get it from the download page and have a look at the release notes. Again, at $60k/yr that’s $1500/mo. I'd personally spend some time shopping and see if you can stay a lot closer to $200k and less, than $220-250k. Please only post if you are looking to share your wife and your zip code. On your own home you can choose to defer maintenance or to go without some improvement that isn't meaningful to you. There’s all sorts of grants and free money out there for first time homebuyers. Neverball 1.6.0 is out now! Even once I start, it's going to take quite a while to pay everything off and then get a sizable emergency fund and down payment. More posts from the personalfinance community. Then I can tell you how the breadcrumbs connected in your case. There are a lot of online calculators to help you determine your affordability and also see a complete picture of ownership. Research shows that it may be easier to afford a "pre-owned" starter home. A married man had Reddit captivated this weekend as he live-blogged his discovery that his wife was cheating on him. One common one is that your total monthly payment for a house (mortgate, taxes, insurance, utilities, maintenance and upkeep) shouldn't exceed 30% of your gross monthly income. When we owned a home, there were things that kept us awake at night, the stream of needs and the price tags tethered tightly to them, not to mention the … Take the next year to pay off your credit card (ASAP) and truck (normal payments only) to free up your debt/income limitation while building up cash for a down payment. I’m completely guessing here, but let’s say your monthly debt requirements on the loans you mentioned is around $800/mo, then the bank will only give you a mortgage with a monthly payment (principal +interest +taxes +insurance +PMI +HOA) of $1200/mo. Facebook Lite. You do need to be below 80% LTV to avoid PMI but depending on your credit and being able to take advantage of the low rates, paying PMI on a 5-10% down might not be a terrible idea. This leaves me with about 6k in CC debt, 3.5k in a federal student loan, and about 5k left on my truck. Nor could I stand to live in a house with an HOA, More posts from the povertyfinance community. Our shares in the home may be equal or unequal, but each of us would have a separate legal title. You are still subject to the terms of the HOA, that is everything from what color your front door can be too stupid minutia like whether or not you can smoke inside your own apartment. (Author's note: This article was originally posted on September 27, 2013. Gun-ownership through a liberal lens. Will have to wait and see. Could you do it? Reddit (/ ˈ r ɛ d ɪ t / , stylized in its logo as reddit) is an American social news aggregation , web content rating , and discussion website. In general, foreclosure only occurs when there are no other options. In the big picture, it's important to get a good house in a good location. Spend the next few years fixing it up. I could buy a second beater car with better gas mileage, but either way I anticipate my work commute expenses to triple from what they are currently. 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