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Post by Parkman on Feb 8, 2016 19:48:52 GMT -5
No one does its the truth!
I text but the only person I like conversation text is my fiancee. Other than that I'll send a quick text if its just a question and I don't feel like calling but I hate that I can't get people to talk on the phone.
The other day my friend called me and I talked to him for about twenty minutes. My fiancee was like thats so weird that he actually calls NO ONE our age does that anymore! lol.
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Post by Jordan U on Feb 11, 2016 13:46:03 GMT -5
No one does its the truth! I text but the only person I like conversation text is my fiancee. Other than that I'll send a quick text if its just a question and I don't feel like calling but I hate that I can't get people to talk on the phone. The other day my friend called me and I talked to him for about twenty minutes. My fiancee was like thats so weird that he actually calls NO ONE our age does that anymore! lol. If I have my computer on and I can send from there, its not so bad.. but forget typing on an i-Fone.. it would take less time to dial them up via rotary and ask them the question..
If a good friend calls, I'll talk for an hour, maybe hour and a half, easy.. But most people today seem to think that's outrageous!
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Post by Parkman on Feb 11, 2016 14:26:45 GMT -5
I agree. When im home I normally will text my computer but I have my basic phone with buttons for when I'm out.. I can't stand touch screens.
I talk to my grandmom every day on the phone even... But goodness forbid I talk to someone our age on the phone daily! lol.
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Post by Jordan U on Feb 11, 2016 17:50:45 GMT -5
I agree. When im home I normally will text my computer but I have my basic phone with buttons for when I'm out.. I can't stand touch screens. I talk to my grandmom every day on the phone even... But goodness forbid I talk to someone our age on the phone daily! lol. Everyone at work always has their heads stuffed up their i-Fones all the time and they have no clue what's going on around them.. What a freakshow!
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Post by fan1968 on Feb 18, 2016 18:16:41 GMT -5
Trust me. If you used your phone more often you'll turn into one too! I have. Lol.
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Post by Cole D on Apr 23, 2019 21:52:58 GMT -5
I was just wondering what you ended up doing in the situation.
I'm sort of at the same point now, where I want to get my own place. I wanted to buy a house several years ago when they were cheap but I didn't have my credit strong yet. Now I do but the houses are way more. To get a decent house it's about $150k or more. Doesn't sound like much but incomes here aren't as much either. You can find houses for $75k maybe but they need so much work and the area just isn't good where they are. You used to be able to get a nice house for that during the crash.
I guess renting is the way to go, but honestly I just want a place where I can do what I want. Put up the fans I want, paint the walls how I want, change out the outlets and switches to what I want, doors, appliances, etc. Maybe I'm just pickier than the average person. Renting you have to live with what they give you and to me that just doesn't feel like home. Also I want a place/space to work on fans, etc and you can't do that with an apartment really.
Probably it's fine, but it doesn't seem normal to me. Growing up we only rented once place for a while and it was when my parents closed on their old house but the next one hadn't gone through. It was fine and all, but just temporary. So I'm not used to it.
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Post by Jordan U on Apr 24, 2019 9:18:55 GMT -5
I largely feel the same way, I don't think renting would be for me for all those reasons you mentioned.. I'm hoping I can make the move this summer, but it's always going to be a financial stretch with my income and the current price of housing.. Seems to be about the same here, around 150 for something nice. Occasionally something will make an appearance for more towards 100, but anything in that range will sell in a few days..
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Post by Parkman on Apr 24, 2019 11:46:14 GMT -5
We're still renting same place. If I get the job I had two interviews last week for or get a job around that salary we could then afford to move. My Landlord/Grandmother is just waiting for me to get a new job before she sells our place.
Houses in are area are weird prices, some people will get a small rancher in reality thats worth $185k but pay $310 while sometimes something really nice will go for $250k its really strange.
I don't feel in my situation was renting a waste of money however renting from family had them showing up unannounced a lot which was very annoying. I am very picky Cole so I can feel your worry. In my situation I was able to change things out plus I did all the yard maintenance so it made it a little different. However since I had a "hybrid" renting situation it does show me how if you do buy you need to save up for when something fails. We've had plumbing problems, heater problems, oven problems, and although since I don't own it I didn't have to pay for it I did have to be in charge of arranging to fix it which can be a real pain.
When my wife and I got married I kept saying like $180k would be our max. Now after researching the market for over a year to get what we want with some land it looks like $250k will be more our budget but I want a couple acres. Jordan hit the nail on the head WAIT and something will make its appearance just have everything in order so you can pounce on it. Houses and Cars to me are buy WHAT YOU WANT and don't go overboard.. I'm not saying to live beyond your means but if you don't have to move then wait till you find the house you can see yourself paying for the next 15-30 years.. Just like a car, when I bought my truck I searched for three months to find the exact configured one I wanted. I could have went to the dealer and bought a different color or something else but my thought was I'm getting what I want when something is costing me over $30k. However this situation was different because my old truck still was running fine. Needless to say exactly one month after I bought my Tacoma, the fuel pump went in the Chevy and started a nice chain of repairs over the next three years lol.
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Post by Parkman on Apr 24, 2019 11:52:24 GMT -5
I was just wondering what you ended up doing in the situation. I'm sort of at the same point now, where I want to get my own place. I wanted to buy a house several years ago when they were cheap but I didn't have my credit strong yet. Now I do but the houses are way more. To get a decent house it's about $150k or more. Doesn't sound like much but incomes here aren't as much either. You can find houses for $75k maybe but they need so much work and the area just isn't good where they are. You used to be able to get a nice house for that during the crash. I guess renting is the way to go, but honestly I just want a place where I can do what I want. Put up the fans I want, paint the walls how I want, change out the outlets and switches to what I want, doors, appliances, etc. Maybe I'm just pickier than the average person. Renting you have to live with what they give you and to me that just doesn't feel like home. Also I want a place/space to work on fans, etc and you can't do that with an apartment really. Probably it's fine, but it doesn't seem normal to me. Growing up we only rented once place for a while and it was when my parents closed on their old house but the next one hadn't gone through. It was fine and all, but just temporary. So I'm not used to it. I can't remember the exact place I saw this video so bear with me but I'll try to explain I found this an interesting way to look at home ownership. Essentially what was stated was because owning a house will cost more, your Principal is like a savings account because when you go to sell if you fully own the home in 30 years you'll get all that money. Sure you pay your taxes, interest, and utilities with nothing to show for it in the end but you get something back. Renting if you rented for 30 years and sell you will get nothing back. To compare you would then look at the total amount of interest you would pay vs. the amount of rent you pay over that time and that shows the true element of what costs more. However you also need to think if you're looking at this from an expanded view your costs would most likely be more utility wise since a house is going to be larger than something else. However you also in a way are paying for that freedom to be able to pick the quality, color, etc. of your fixtures, appliances, walls, etc.
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Post by Cole D on Apr 24, 2019 17:03:13 GMT -5
I largely feel the same way, I don't think renting would be for me for all those reasons you mentioned.. I'm hoping I can make the move this summer, but it's always going to be a financial stretch with my income and the current price of housing.. Seems to be about the same here, around 150 for something nice. Occasionally something will make an appearance for more towards 100, but anything in that range will sell in a few days.. That's another thing I've been thinking about, is if I buy something that's a big stretch financially, then I won't have money to have any fun. IDK if that's a great situation either... I'm already trying to live well below my means so I can save up more toward a house, but I know it would be harder with a mortgage, insurance, tax, etc.
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Post by Cole D on Apr 24, 2019 17:10:03 GMT -5
I was just wondering what you ended up doing in the situation. I'm sort of at the same point now, where I want to get my own place. I wanted to buy a house several years ago when they were cheap but I didn't have my credit strong yet. Now I do but the houses are way more. To get a decent house it's about $150k or more. Doesn't sound like much but incomes here aren't as much either. You can find houses for $75k maybe but they need so much work and the area just isn't good where they are. You used to be able to get a nice house for that during the crash. I guess renting is the way to go, but honestly I just want a place where I can do what I want. Put up the fans I want, paint the walls how I want, change out the outlets and switches to what I want, doors, appliances, etc. Maybe I'm just pickier than the average person. Renting you have to live with what they give you and to me that just doesn't feel like home. Also I want a place/space to work on fans, etc and you can't do that with an apartment really. Probably it's fine, but it doesn't seem normal to me. Growing up we only rented once place for a while and it was when my parents closed on their old house but the next one hadn't gone through. It was fine and all, but just temporary. So I'm not used to it. I can't remember the exact place I saw this video so bear with me but I'll try to explain I found this an interesting way to look at home ownership. Essentially what was stated was because owning a house will cost more, your Principal is like a savings account because when you go to sell if you fully own the home in 30 years you'll get all that money. Sure you pay your taxes, interest, and utilities with nothing to show for it in the end but you get something back. Renting if you rented for 30 years and sell you will get nothing back. To compare you would then look at the total amount of interest you would pay vs. the amount of rent you pay over that time and that shows the true element of what costs more. However you also need to think if you're looking at this from an expanded view your costs would most likely be more utility wise since a house is going to be larger than something else. However you also in a way are paying for that freedom to be able to pick the quality, color, etc. of your fixtures, appliances, walls, etc. What I'm wondering is if the prices will keep going higher and higher to where it becomes impossible to get a house anymore. Plus the interest rate is continuing to go up too. I think if both keeps going up, then either the prices will go down or the interest rate, because nobody can afford it. True on the car buying. When I bought my current car I had a good idea of what I wanted and tried to stay within a range. I could have afforded more but I had to remember I wanted to have a house eventually and get the car paid off. Sometimes I wish I had gotten something a little cheaper and more basic though, but hopefully I'll have this car for 10 years or more so I won't have to worry about buying another car for a while. It should help my credit since a car payment was something I had no history of, even though my credit was good otherwise. In 2014 I actually tried to buy a short sale house. We made an offer and the bank countered and then I offered what they countered for which was still really cheap. But we never heard back, kept extending the contract and nothing. So a year and a half later I just cancelled it. I'd also made an offer on another house but another offer won out. It kind of stinks because I saw some of the houses that were for sale back then in 2012-2015 and now they're asking about 3 times as much. If you were able to rent from family and then make whatever changes you wanted then that's the best of both worlds... That's how I feel about it too, it's nice you can make changes but the repairs really add up. And having to mow yard, clean, etc really takes a lot of time from things you'd rather be doing.
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Post by Parkman on Apr 24, 2019 18:57:28 GMT -5
Thats a good point. We have a TON of foreclosures locally but the prices still keep going up, I mean not like 2005-2006 prices which were INSANE but really bad not to mention we have horrendous NJ Property Taxes.
When I went in the room to pay for my truck and they tried to sell me the extended warranty, I declined by saying if I wanted to buy an extended warranty I wouldn't be buying a Toyota. They then said they understood. I'm gonna be 27 this year.. Unless it gets in an accident I plan on not getting a new truck till I'm 40.
Its tough around here with the short sales because there are so many guys who go and will flip them. But there is definitely money to be made in that arena.
When I move thats gonna most likely be my final move. My wife is deadset on once she buys a house shes not going anywhere else till she dies. So a lot of thought will be into that on our end.
True, I always looked at it as I'm saving money because my rent is a great deal so instead I'm doing the yard work and all rather than paying more in rent. The nice thing is since I actually enjoy mowing the grass, my grandmom pays for the gas since its her mower Lol. Otherwise I probably wouldn't enjoy it AS much haha.
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Post by Cole D on Apr 24, 2019 20:23:17 GMT -5
Well I bought a Ford. So we'll see how reliable it is. One good thing is I don't drive nearly as much anymore. Should have gotten a Toyota but there weren't many used ones to be found here and practically no Honda.
Yeah, I'm the same way, don't plan to ''move up'' like people you see on those TV shows. So I'm kind of picky about a house, since I'll probably be there for good unless something happens.
The short sales to me are not worth messing with. It's just a waiting game, that rarely works, I finally cancelled my offer and got my deposit back. Then someone else tried and nothing either. After about a year they finally processed the foreclosure and sold it for way more. And a flipper did buy it and basically painted it and resold it. There aren't really any foreclosures left in my area now, they've all sold in the years after the recession. By about 2016 they were all sold. That's part of the reason there's no affordable houses. I mean, there are some cheaper houses but I don't see them as a good price. Too much work and often in bad areas where you won't get your money out of it. The houses there are all run down mostly.
I wouldn't mind mowing so much, there's some things about maintaining a place that are fun. lol
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Post by Parkman on Apr 24, 2019 20:57:44 GMT -5
Well I bought a Ford. So we'll see how reliable it is. One good thing is I don't drive nearly as much anymore. Should have gotten a Toyota but there weren't many used ones to be found here and practically no Honda. Yeah, I'm the same way, don't plan to ''move up'' like people you see on those TV shows. So I'm kind of picky about a house, since I'll probably be there for good unless something happens. The short sales to me are not worth messing with. It's just a waiting game, that rarely works, I finally cancelled my offer and got my deposit back. Then someone else tried and nothing either. After about a year they finally processed the foreclosure and sold it for way more. And a flipper did buy it and basically painted it and resold it. There aren't really any foreclosures left in my area now, they've all sold in the years after the recession. By about 2016 they were all sold. That's part of the reason there's no affordable houses. I mean, there are some cheaper houses but I don't see them as a good price. Too much work and often in bad areas where you won't get your money out of it. The houses there are all run down mostly. I wouldn't mind mowing so much, there's some things about maintaining a place that are fun. lol You got a Taurus right? I think you should be fine with that. Their v6's are good! I'm now starting to hear/see problems with the ecoboosts. I'd rather drive many fords that Hondas I find Hondas boring though extremely reliable. I've had some major and I mean major job losses around 2014 that rippled and finally stagnates around 2017 but there still is a chunk of foreclosure a but I want some property when k but and mostly are development houses or built on top of one another. I honestly never knew the short sale process could be so tricky/complex. Yeah some is great some sucks like leaf blowing and raking cough cough. I honestly can't wait to decorate my house though I do like my apartment. It's just it's small and you can't decorate that much lol.
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Post by Cole D on Apr 27, 2019 14:19:48 GMT -5
Yeah I got a Taurus. I test drove a Fusion with the 4 cyl Ecoboost and it was slower getting to speed. I liked the gas mileage though. My grandparents last two cars Honda SUVs, and both have been very reliable. They only replaced the first one because it had the recall on the front airbags and my grandpa was afraid of it, since it was on a waiting list. So they traded it. Some others of my family have had a few Camrys and Rav4s mostly in last 15 years and very good.
I think in some cases, like mine, the bank is probably more interested in foreclosing and getting more money back than a short sale. And of course they could wait until the market started to rebound and get more money by just sitting on it. Although, I'm told the short sale department doesn't really know what the foreclosure dept is doing and vice versa. So things tend to get tied up, and they might even foreclose on one that's had the short sale approved!
I'm kinda glad I didn't buy in that neighborhood though. It was a gated community of houses that looked mostly alike except little changes. Nice houses but they started it right in 07 when the market was about to crash, and they ended up building just part of it out, and only built a couple of houses a year after that for about 4 years. So most of the land was vacant, and I doubt it may ever change. They also didn't keep an association going to pay for stuff. So only parts of the vacant land got mowed, the pool was green, no streetlights, etc. So buying in there wouldn't have been the best idea. The houses themselves were really nice though and the right size for me.
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