[audio-pals] Re: Older Houses
- From: Thomas McMahan <thomas.mcmahan@xxxxxxx>
- To: audio-pals@xxxxxxxxxxxxx
- Date: Mon, 16 Mar 2015 15:50:39 -0500
Oh announcement means you are in trouble, there’s no going back on that.
> On Mar 16, 2015, at 3:47 PM, Josh <lawdog911@xxxxxxxxxxx> wrote:
>
> Well, from time to time when it is really deserved according to Amanda I will
> get the announcement, but if it is questionable whether or not I would get
> the look then there is not an announcement. We have different degrees of
> looks *LOL*. If the look is severe then I get the announcement. However, if I
> get the announcement then it is almost too late to retreat *LOL*.
>
> From: audio-pals-bounce@xxxxxxxxxxxxx
> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>
> [mailto:audio-pals-bounce@xxxxxxxxxxxxx
> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>] On Behalf Of Thomas McMahan
> Sent: Monday, March 16, 2015 4:29 PM
> To: audio-pals@xxxxxxxxxxxxx <mailto:audio-pals@xxxxxxxxxxxxx>
> Subject: [audio-pals] Re: Older Houses
>
> Oh your marriage isn’t fully accessible then where you get an announcement
> that you’re getting the look huh? Pat used to announce that to me for some
> reason. I wouldn’t think I would have done anything to get such a thing
> since I am such a dull bland and borring guy. But managed to get a few of
> them, well a lot of them actually.
>
>> On Mar 16, 2015, at 3:01 PM, Josh <lawdog911@xxxxxxxxxxx
>> <mailto:lawdog911@xxxxxxxxxxx>> wrote:
>>
>> Nope, only silence *LOL*. I speculate that there may have been a look shot
>> at me, but Little Man was not present when I brought the topic up to let me
>> know exactly what look I may hve gotten *LOL*.
>>
>> From: audio-pals-bounce@xxxxxxxxxxxxx
>> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>
>> [mailto:audio-pals-bounce@xxxxxxxxxxxxx
>> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>] On Behalf Of Thomas McMahan
>> Sent: Saturday, March 14, 2015 8:16 AM
>> To: audio-pals@xxxxxxxxxxxxx <mailto:audio-pals@xxxxxxxxxxxxx>
>> Subject: [audio-pals] Re: Older Houses
>>
>> So she didn’t say something like “I don’t want to leave America” huh?
>>
>> Well I guess that is about the best treatment you could probably expect
>> concerning the topic as apposed to her suddenly discovering a talent for
>> throwing large objects or breakable objects at you *lol*.
>>
>>> On Mar 14, 2015, at 7:08 AM, Josh <lawdog911@xxxxxxxxxxx
>>> <mailto:lawdog911@xxxxxxxxxxx>> wrote:
>>>
>>> Well, I talked about the Tigers at first, but being that she is not a big
>>> baseball fan in the firstplace much less a sports fan the conversation did
>>> not go anywhere. So, I just jumped right into we should broaden our search…
>>> oh to say somewhere like um well let me think and then I just without
>>> warning threw Detroit out there *LOL*. She ignored me *LOL*.
>>>
>>> From: audio-pals-bounce@xxxxxxxxxxxxx
>>> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>
>>> [mailto:audio-pals-bounce@xxxxxxxxxxxxx
>>> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>] On Behalf Of Thomas McMahan
>>> Sent: Friday, March 13, 2015 7:21 PM
>>> To: audio-pals@xxxxxxxxxxxxx <mailto:audio-pals@xxxxxxxxxxxxx>
>>> Subject: [audio-pals] Re: Older Houses
>>>
>>> Well you must withhold the words Detroit and winter when applied to
>>> Michigan, well at the first part of the discussion at least, or a halt will
>>> be called by her to that whole topic *lol*.
>>>
>>> You could start it very vaguely by say talking about American league
>>> baseball, although you have to figure out a way to move it along fairly
>>> fast, just fast enough that she won’t get bored with that since that topic
>>> probably really doesn’t interest her either. But the word winter must be
>>> out of there for a time, in fact if you can avoid that word entirely that
>>> would be a good idea. Let her be the one to bring that up, then you can
>>> blame it on her *lol*.
>>>
>>>> On Mar 13, 2015, at 3:11 PM, Josh <lawdog911@xxxxxxxxxxx
>>>> <mailto:lawdog911@xxxxxxxxxxx>> wrote:
>>>>
>>>> How do you propose I begin this conversation then? *LOL*
>>>>
>>>> From: audio-pals-bounce@xxxxxxxxxxxxx
>>>> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>
>>>> [mailto:audio-pals-bounce@xxxxxxxxxxxxx
>>>> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>] On Behalf Of Thomas McMahan
>>>> Sent: Friday, March 13, 2015 3:17 PM
>>>> To: audio-pals@xxxxxxxxxxxxx <mailto:audio-pals@xxxxxxxxxxxxx>
>>>> Subject: [audio-pals] Re: Older Houses
>>>>
>>>> Well of course you two will work together, but her initial instincts I
>>>> think will probably be good.
>>>>
>>>> But you can run this deal past her and see what she thinks. Do not
>>>> initially ask her how she likes winter times in Michigan, that would be
>>>> getting off to the wrong foot probably.
>>>>
>>>>> On Mar 13, 2015, at 12:44 PM, Josh <lawdog911@xxxxxxxxxxx
>>>>> <mailto:lawdog911@xxxxxxxxxxx>> wrote:
>>>>>
>>>>> Hey if you can get me into Windows 10 if I buy the Detroit school
>>>>> building then I am sure you will have yourself a deal as far as I am
>>>>> concerned, but of course it will have to go through the boss and she is a
>>>>> harder sale. There have been houses that I have walked into the sunroom
>>>>> or the garage and was redy to buy, but she has balked.
>>>>>
>>>>> From: audio-pals-bounce@xxxxxxxxxxxxx
>>>>> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>
>>>>> [mailto:audio-pals-bounce@xxxxxxxxxxxxx
>>>>> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>] On Behalf Of Thomas McMahan
>>>>> Sent: Friday, March 13, 2015 11:49 AM
>>>>> To: audio-pals@xxxxxxxxxxxxx <mailto:audio-pals@xxxxxxxxxxxxx>
>>>>> Subject: [audio-pals] Re: Older Houses
>>>>>
>>>>> 10 isn’t ready for prime time yet is it? Trying to get something before
>>>>> market ready?
>>>>>
>>>>> Well the plastic part that is definitely doable.
>>>>>
>>>>>> On Mar 13, 2015, at 10:32 AM, Josh <lawdog911@xxxxxxxxxxx
>>>>>> <mailto:lawdog911@xxxxxxxxxxx>> wrote:
>>>>>>
>>>>>> Windows 10 and some plastic over the openings where windows to the
>>>>>> outside use to be.
>>>>>>
>>>>>> From: audio-pals-bounce@xxxxxxxxxxxxx
>>>>>> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>
>>>>>> [mailto:audio-pals-bounce@xxxxxxxxxxxxx
>>>>>> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>] On Behalf Of Thomas McMahan
>>>>>> Sent: Friday, March 13, 2015 10:59 AM
>>>>>> To: audio-pals@xxxxxxxxxxxxx <mailto:audio-pals@xxxxxxxxxxxxx>
>>>>>> Subject: [audio-pals] Re: Older Houses
>>>>>>
>>>>>> Windows 8 or 8.1?
>>>>>>
>>>>>>> On Mar 13, 2015, at 8:47 AM, Josh <lawdog911@xxxxxxxxxxx
>>>>>>> <mailto:lawdog911@xxxxxxxxxxx>> wrote:
>>>>>>>
>>>>>>> How about windows, can I at least have windows in my school building. I
>>>>>>> would prefer to not think about the utility cost *LOL*.
>>>>>>>
>>>>>>> From: audio-pals-bounce@xxxxxxxxxxxxx
>>>>>>> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>
>>>>>>> [mailto:audio-pals-bounce@xxxxxxxxxxxxx
>>>>>>> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>] On Behalf Of Thomas McMahan
>>>>>>> Sent: Friday, March 13, 2015 9:20 AM
>>>>>>> To: audio-pals@xxxxxxxxxxxxx <mailto:audio-pals@xxxxxxxxxxxxx>
>>>>>>> Subject: [audio-pals] Re: Older Houses
>>>>>>>
>>>>>>> The security in those old buildings may have already been stripped out,
>>>>>>> as well as the pipes and wiring and everything else that can be taken.
>>>>>>> But you would have a big place to live *lol*. Can you imagine the
>>>>>>> utilities?
>>>>>>>
>>>>>>>> On Mar 13, 2015, at 7:44 AM, Josh <lawdog911@xxxxxxxxxxx
>>>>>>>> <mailto:lawdog911@xxxxxxxxxxx>> wrote:
>>>>>>>>
>>>>>>>> I guess we will be packing up and moving to Detroit. I need to
>>>>>>>> purchase me a school building. That will be good, Amanda will get her
>>>>>>>> square footage she is looking for, her big kitchen i.e. the cafeteria,
>>>>>>>> and Little Man will have a gymnasium. As for me, I just need to be
>>>>>>>> able to access the roof and I can use that as a deck *LOL*. I have the
>>>>>>>> guns and ammo to live in the area I do believe *LOL*. I wonder if I
>>>>>>>> could ge the school system to throw in security or at least alarm
>>>>>>>> system monitoring.
>>>>>>>>
>>>>>>>> From: audio-pals-bounce@xxxxxxxxxxxxx
>>>>>>>> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>
>>>>>>>> [mailto:audio-pals-bounce@xxxxxxxxxxxxx
>>>>>>>> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>] On Behalf Of Thomas McMahan
>>>>>>>> Sent: Thursday, March 12, 2015 2:08 PM
>>>>>>>> To: audio-pals@xxxxxxxxxxxxx <mailto:audio-pals@xxxxxxxxxxxxx>
>>>>>>>> Subject: [audio-pals] Re: Older Houses
>>>>>>>>
>>>>>>>> Why didn’t you tell us you lived in Chicago? Sounds very much the
>>>>>>>> same as it is up there.
>>>>>>>>
>>>>>>>> Hey Josh, I just thought of another option. There are lots of houses
>>>>>>>> available in Detroit. Heck you can probably buy yourself a school
>>>>>>>> building there. That would be a big house for you. Utilities might
>>>>>>>> be a little high though.
>>>>>>>>
>>>>>>>>> On Mar 12, 2015, at 11:57 AM, BethAnn LaPresta (Redacted sender
>>>>>>>>> "bela28_02@xxxxxxxxx <mailto:bela28_02@xxxxxxxxx>" for DMARC)
>>>>>>>>> <dmarc-noreply@xxxxxxxxxxxxx <mailto:dmarc-noreply@xxxxxxxxxxxxx>>
>>>>>>>>> wrote:
>>>>>>>>>
>>>>>>>>> My house is in a neighborhood that is definitely considered "the
>>>>>>>>> hood". I refinanced in January at $130K and my payment is about
>>>>>>>>> $800/mo. My property taxes are spendy though, over $2K per year, so
>>>>>>>>> that adds almost $200/mo right there. They tossed 26 of my cottage
>>>>>>>>> style single detached homes on little 3900 sq ft. lots, so our
>>>>>>>>> cul-de-sac is very busy with all of us stacked up right against each
>>>>>>>>> other. But, living out west, things cost much more, it is shocking
>>>>>>>>> actually.
>>>>>>>>>
>>>>>>>>> I could've purchased a 100 yr. old home where Heather lives in Ohio
>>>>>>>>> with about the same size lot for $60K, just to give perspective. The
>>>>>>>>> guy who got himself into trouble with my house paid $263K for it in
>>>>>>>>> 2006 when real estate prices were obscene out here. Because he was
>>>>>>>>> short selling the home, I was able to get it for just $110K in 2011.
>>>>>>>>> A house on my street has just gone up for sale and they're asking
>>>>>>>>> $200K for 3 bedrooms (and they are tiny), 2 baths with one car
>>>>>>>>> detached garage. So, if I need to sell, I should still be able to
>>>>>>>>> make a little.
>>>>>>>>>
>>>>>>>>> Thought I should explain my monthly payment since I was saying I
>>>>>>>>> didn't think the $600/mo. seemed like enough.
>>>>>>>>>
>>>>>>>>> From: Thomas McMahan <shadowmonstrosity@xxxxxxx
>>>>>>>>> <mailto:shadowmonstrosity@xxxxxxx>>
>>>>>>>>> To: audio-pals@xxxxxxxxxxxxx <mailto:audio-pals@xxxxxxxxxxxxx>
>>>>>>>>> Sent: Thursday, March 12, 2015 9:23 AM
>>>>>>>>> Subject: [audio-pals] Re: Older Houses
>>>>>>>>>
>>>>>>>>> Oh mine btw was $162, because we’re cheap! *lol*. Then it went down
>>>>>>>>> to $150 then down to $128, but again we’re cheap and live in a piece
>>>>>>>>> of s— house, but as Pat used to say, “it’s our piece of S— *lol*.
>>>>>>>>>
>>>>>>>>>
>>>>>>>>>> On Mar 12, 2015, at 10:12 AM, BethAnn LaPresta (Redacted sender
>>>>>>>>>> "bela28_02@xxxxxxxxx <mailto:bela28_02@xxxxxxxxx>" for DMARC)
>>>>>>>>>> <dmarc-noreply@xxxxxxxxxxxxx <mailto:dmarc-noreply@xxxxxxxxxxxxx>>
>>>>>>>>>> wrote:
>>>>>>>>>>
>>>>>>>>>> I am not sure that $600/month figure is accurate. I just refinanced
>>>>>>>>>> at 3.25% and my payment is $800/mo. (this does include property
>>>>>>>>>> taxes and insurance though).
>>>>>>>>>>
>>>>>>>>>> From: Josh <lawdog911@xxxxxxxxxxx <mailto:lawdog911@xxxxxxxxxxx>>
>>>>>>>>>> To: audio-pals@xxxxxxxxxxxxx <mailto:audio-pals@xxxxxxxxxxxxx>
>>>>>>>>>> Sent: Thursday, March 12, 2015 4:44 AM
>>>>>>>>>> Subject: [audio-pals] Re: Older Houses
>>>>>>>>>>
>>>>>>>>>> Amanda did some figuring using a mortgage calculator online and the
>>>>>>>>>> 120,000 house was going to run us roughly 600 something a month for
>>>>>>>>>> I want to again say it was 1700 sq. ft. We currently live in a 1100
>>>>>>>>>> sq. ft. apartment and pay 714.00 a month. So, given the differences
>>>>>>>>>> there and the fact that we have nothing to show for it at the end of
>>>>>>>>>> the year is a little much in my book. So, if the 120,000 was going
>>>>>>>>>> to be 600 something it would go to reason that the 112,000 would be
>>>>>>>>>> less money than that. Now, as far as utilities go, Knoxville
>>>>>>>>>> Utilitiy Board (KUB) will give us high and low figures for the last
>>>>>>>>>> 12 months. The last 12 months is a good thing providing there has
>>>>>>>>>> been someone living in the house, but if the house has sat empty
>>>>>>>>>> then the numbers that KUB quotes are not in the least bit accurate.
>>>>>>>>>> I really like the idea of rolling insurance and taxes into the
>>>>>>>>>> monthly payment so that way at the end of the year or whenever land
>>>>>>>>>> taxes are due we are not hit with a big lump sum of money to pay.
>>>>>>>>>> Sure it would be nice to think that I could just put that money back
>>>>>>>>>> each month and not touch it, but the minute something needs to be
>>>>>>>>>> paid for guess where the land tax money goes that was being put bac
>>>>>>>>>> into an account. If it is figured into the monthly payment then for
>>>>>>>>>> the most part the majority of it will be paid throughout the year.
>>>>>>>>>> The thing that really sucks is that stinking PMI payment each month.
>>>>>>>>>>
>>>>>>>>>>
>>>>>>>>>>
>>>>>>>>>>
>>>>>>>>>> From: audio-pals-bounce@xxxxxxxxxxxxx
>>>>>>>>>> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>
>>>>>>>>>> [mailto:audio-pals-bounce@xxxxxxxxxxxxx
>>>>>>>>>> <mailto:audio-pals-bounce@xxxxxxxxxxxxx>] On Behalf Of Thomas McMahan
>>>>>>>>>> Sent: Thursday, March 12, 2015 4:58 AM
>>>>>>>>>> To: audio-pals@xxxxxxxxxxxxx <mailto:audio-pals@xxxxxxxxxxxxx>
>>>>>>>>>> Subject: [audio-pals] Re: Older Houses
>>>>>>>>>>
>>>>>>>>>> I accidentally hit the send before cleaning up that mail darn it.
>>>>>>>>>>
>>>>>>>>>> Here’s another little exercise to work on. Lets say you guys decide
>>>>>>>>>> to go for this house. You should have a ballpark of the monthly
>>>>>>>>>> payment. Sit down and plot out a budget around it on one paper, as
>>>>>>>>>> well as a list of possible repairs to do on another list and their
>>>>>>>>>> costs. Yes a house payment can be cheaper than rent, but their are
>>>>>>>>>> other realities such as the taxes, and insurance. Are you going to
>>>>>>>>>> escrow your insuranc and tax payments into your house payment? Most
>>>>>>>>>> people do that and it usually works out well until they assess your
>>>>>>>>>> house taxes up and then you have to make up the short fall. Of
>>>>>>>>>> course if they assess them downward you get a chunk of money back in
>>>>>>>>>> the mail like my sister-in-law has done the past two years. I
>>>>>>>>>> didn’t escro my other payments. I deal with insurance as I would
>>>>>>>>>> any other utility, and we would do our taxes on our own. Because of
>>>>>>>>>> that I now pay my insurance once a year and it’s cheaper, and once
>>>>>>>>>> the house was paid for there was less entanglement with the bank. I
>>>>>>>>>> even removed the automatic withdraw for house payment because they
>>>>>>>>>> double dipped us a couple of different months, and didn’t have a
>>>>>>>>>> very good explanation as to why. So it put us into over draw land,
>>>>>>>>>> which isn’t a place you want to be. They did the same to my
>>>>>>>>>> sis-in-law too and she went in and practically threw a fit because
>>>>>>>>>> she wasn’t working at the time and didn’t have income yet. They
>>>>>>>>>> refunded her money on that one, but as she asked them, “now how am I
>>>>>>>>>> supposed to pay the rest of my bills? You think you guys are my
>>>>>>>>>> only bill to pay?” Banks and their computers can be sloppy
>>>>>>>>>> sometimes.
>>>>>>>>>>
>>>>>>>>>> Now when you do your budget here’s another game to play which may be
>>>>>>>>>> beneficial. Can you run your whole budget on one income? Everybody
>>>>>>>>>> that lives as a couple should do this whether renting or paying for
>>>>>>>>>> a house. Most of us find we can’t, but it is a nice goal. The guy
>>>>>>>>>> we had going along with us to check out houses etc and sort of
>>>>>>>>>> pointed and guided us along through the process gave us that little
>>>>>>>>>> bit of wisdom. As he said, what happens if Pat loses her job and
>>>>>>>>>> can’t get one very fast? Can you live on just your income alone,
>>>>>>>>>> because if you can get to that point, then you can start paying
>>>>>>>>>> extra against your house on it’s principle and have more paid off
>>>>>>>>>> faster which is good for the credit rating, but if you decide to
>>>>>>>>>> move in 20 years you are carrying less of a load thus will get more
>>>>>>>>>> money back to leverage against your next place should you decide to
>>>>>>>>>> do that. Or you can both pay some extra on house and car, then put
>>>>>>>>>> the rest in the bank against major repairs which are going to come
>>>>>>>>>> even if you buy a house that was built today, in 30 years you will
>>>>>>>>>> have to had to replace things, they just don’t build stuff that good
>>>>>>>>>> anymore and sometimes that includes homes btw.
>>>>>>>>>>
>>>>>>>>>> Lots of decisions, but at least it looks like you guys aren’t just
>>>>>>>>>> jumping right and grabbing what shines in front of you which is
>>>>>>>>>> good.
>>>>>>>>>>
>>>>>>>>>> Btw, I don’t think our budget is currently within the lowest income
>>>>>>>>>> level of the house here at this time which would be Patti’s income,
>>>>>>>>>> although it’s not way above that amount. It is a good goal to work
>>>>>>>>>> for actually, so we will be able to start seriously working on this
>>>>>>>>>> place. Get a lot of little stuff done over time, then do a loan
>>>>>>>>>> down the road and fix the major stuff such as re doing the roof etc.
>>>>>>>>>> I don’t think I am going to lift the house and work on foundation,
>>>>>>>>>> but it would be nice to do actually.
>>>>>>>>>>
>>>>>>>>>> But it’s a good exercise to do. I would run it on your income Josh
>>>>>>>>>> because it is likely to always be there and Amanda’s income is the
>>>>>>>>>> variable one, it can be lower if she’s out of work, but can also be
>>>>>>>>>> a lot higher should land a great paying job. Drop in everything,
>>>>>>>>>> credit cards the whole deal, then figure out once you get to where
>>>>>>>>>> you’re going which angles to cover and get paid off in the budget.
>>>>>>>>>>
>>>>>>>>>> I am guessing you guys have done some of this already though in
>>>>>>>>>> preparing for checking out the housing market and talking to lenders
>>>>>>>>>> because they are going to do roughly the same thing when checking
>>>>>>>>>> your credit etc. Especially if it’s a conservative bank.
>>>>>>>>>>
>>>>>>>>>> Now I think I’ve completed all I was going to say. Took two
>>>>>>>>>> e-mails, but if I had been able to clean up the other one first it
>>>>>>>>>> would have fitted into one probably *lol*.
>>>>>>>>>>
>>>>>>>>>> Instead you get two.
>>>>>>>>>>
>>>>>>>>>>> On Mar 12, 2015, at 3:34 AM, Thomas McMahan
>>>>>>>>>>> <shadowmonstrosity@xxxxxxx <mailto:shadowmonstrosity@xxxxxxx>>
>>>>>>>>>>> wrote:
>>>>>>>>>>>
>>>>>>>>>>> Wouldn’t worry about a house on market for 5 months. Most around
>>>>>>>>>>> here are on a year or so. To many deals fall through each time
>>>>>>>>>>> that happens that just adds more time that the house is sitting
>>>>>>>>>>> there. Age, is only a problem if the house hasn’t been kept up and
>>>>>>>>>>> modernized over the years. There are people who prefer older
>>>>>>>>>>> houses simply because they are more solid. The house I live in was
>>>>>>>>>>> placed here in 1922. Yes it came from somewhere else. The house
>>>>>>>>>>> next door is older and was also brought in here from another place
>>>>>>>>>>> too. Fairly common in a town that springs up by a railroad. I
>>>>>>>>>>> wouldn’t worry so much about that as apposed to how it’s
>>>>>>>>>>> fundamentally built, there are a lot of newer places that are
>>>>>>>>>>> likely to give you just as much trouble if not more.
>>>>>>>>>>>
>>>>>>>>>>> Any house is going to have ongoing mantainence of some kind. Sided
>>>>>>>>>>> house are nice but siding fades over the years for example and
>>>>>>>>>>> eventually would need replacing. Wooden houses have their things
>>>>>>>>>>> that have to be done, and so would brick, but brick is the best
>>>>>>>>>>> option as far as I’m concerned accept maybe when a big earthquake
>>>>>>>>>>> comes, then I would favor a wooden house, but what are the chances
>>>>>>>>>>> of that huh?
>>>>>>>>>>>
>>>>>>>>>>> I don’t know the market down there anymore so don’t know if that is
>>>>>>>>>>> a low ball figure on that house or not, but I can tell you it is
>>>>>>>>>>> larger than mine is and mine is two stories, but so is it’s price
>>>>>>>>>>> too.
>>>>>>>>>>>
>>>>>>>>>>> Go through it with a fine tooth comb with the idea of what has to
>>>>>>>>>>> be fixed now, and then in the next 5 years and what would be
>>>>>>>>>>> ongoing over the years, I don’t think for the long term ongoing it
>>>>>>>>>>> will be much different than a 10 year old house verses the 60 year
>>>>>>>>>>> old house, but agin it is a matter of what would immediately have
>>>>>>>>>>> to be worked on. When was the house last occupied too? A house
>>>>>>>>>>> that hasn’t been occupied for a good while can have problems such
>>>>>>>>>>> as drainage because they haven’t been flushed etc. It sounds like
>>>>>>>>>>> you already have someone with you who knows how to examine a
>>>>>>>>>>> foundation well and give you an idea of what would have to be done
>>>>>>>>>>> and when which is good. Same with tuck pointing brick etc.
>>>>>>>>>>>
>>>>>>>>>>> It may be sitting on market because folks think it’s to high also,
>>>>>>>>>>> but you are going to drop in a price and they will take it or leave
>>>>>>>>>>> it, or you both the buyer and seller will eventually come up with
>>>>>>>>>>> something in the middle, or the seller is going to have an empty
>>>>>>>>>>> house on their hands.
>>>>>>>>>>>
>>>>>>>>>>> What heating and cooling does it have, and when was it installed
>>>>>>>>>>> too that is a factor, a 30 year old furnace is getting kind of old
>>>>>>>>>>> in this part of the world, but most of our furnaces are gas and
>>>>>>>>>>> they do have to work pretty hard for a good part of the year. Does
>>>>>>>>>>> it have any chimnies, and where do they run through the house.
>>>>>>>>>>> Ones that run through centers of houses on the surface are nice,
>>>>>>>>>>> but when they have to be worked on they are a lot more work. Of
>>>>>>>>>>> course where you live a lot of homes are electric heat and electric
>>>>>>>>>>> water heat, which is another thing to add to your check list, how
>>>>>>>>>>> old is the water heater and when will you be replacing that. A
>>>>>>>>>>> brand new house obviously you would get to wait a while before
>>>>>>>>>>> doing that, but chances are you would have to do it eventually, or
>>>>>>>>>>> have your price knocked down when you are selling it, or when your
>>>>>>>>>>> descendants are selling it. But that goes with any house again.
>>>>>>>>>>>
>>>>>>>>>>> What neighborhood is it in? How accessible is it to you. Pretend
>>>>>>>>>>> Amanda had to leave town for a Month and start your math, what is
>>>>>>>>>>> easy to get to via walking etc. Maybe that isn’t a problem for you
>>>>>>>>>>> at this moment, but life can always hand you changes, and well,
>>>>>>>>>>> next thing you know, you are walking to the grocery store if you
>>>>>>>>>>> know what I mean.
>>>>>>>>>>>
>>>>>>>>>>> Find out what their highest bills were for each utility in the last
>>>>>>>>>>> year it was occupied if you can, you need that in planning a
>>>>>>>>>>> general budget. I don’t know your property tax situation anymore,
>>>>>>>>>>> but here they just give an estimate from the seller, but the
>>>>>>>>>>> problem is, that if the sell lived in the house for a long time you
>>>>>>>>>>> might get a little surprise when the annual taxes come. Our’s
>>>>>>>>>>> wasn’t a surprise because the previous owner hadn’t lived or owned
>>>>>>>>>>> the house for to long.
>>>>>>>>>>>
>>>>>>>>>>> So it becomes also a matter of do you get a house that you won’t
>>>>>>>>>>> have to do any work or as little work as possible on, verses one
>>>>>>>>>>> that may have to have some work done, or one that is a fixer upper.
>>>>>>>>>>> We bought a fixer upper, but when we bought it was a seller’s
>>>>>>>>>>> market, it definitely isn’t that nowadays, so we went for a house
>>>>>>>>>>> we knew we could likely get. Well the trade off is that it’s
>>>>>>>>>>> needed work done on it and still does actually, but likely we would
>>>>>>>>>>> at least get some money back when we sell it. Maybe not a lot but
>>>>>>>>>>> probably some when all is said and done, and of course the sell of
>>>>>>>>>>> this place could be the lverage to getting a better place. It’s
>>>>>>>>>>> probably what you parents did, if not them then your grand parents
>>>>>>>>>>> did, that is more the normal thing in history. Well up until
>>>>>>>>>>> recently where you have people who expect to buy a brand new house
>>>>>>>>>>> that is larger than what their parents owned as their first house.
>>>>>>>>>>> Well if it can be swung, go for it, but to me it’s a little
>>>>>>>>>>> unrealistic, well to my income level it is *lol*.
>>>>>>>>>>>
>>>>>>>>>>> What appliances are already there, and how quickly do you think you
>>>>>>>>>>> will be having to replace say: stove, washer, or more of a bear
>>>>>>>>>>> dishwasher? What about cabinetry etc, is Amanda happy with that,
>>>>>>>>>>> having that done can also be expensive unless you have someone who
>>>>>>>>>>> works with you to give you a break. How much stuff will you guys
>>>>>>>>>>> do on your own for modifications verses having to hire outsiders.
>>>>>>>>>>> So yes the advantage of a new place is that you won’t have to do
>>>>>>>>>>> that, but I guarantee you will pay up front for that, but that is
>>>>>>>>>>> why newer houses don’t stay on market long.
>>>>>>>>>>>
>>>>>>>>>>> So then it falls back to degree of work and mantainence that has to
>>>>>>>>>>> be done.
>>>>>>>>>>>> On Mar 11, 2015, at 9:41 PM, Josh <lawdog911@xxxxxxxxxxx
>>>>>>>>>>>> <mailto:lawdog911@xxxxxxxxxxx>> wrote:
>>>>>>>>>>>>
>>>>>>>>>>>> Hello,
>>>>>>>>>>>> We are finding tons of older houses that we absolutely love.
>>>>>>>>>>>> When I say older I am talking 1950’s. I am struggling with this a
>>>>>>>>>>>> bit though because I am looking ahead, past when I am living
>>>>>>>>>>>> there. Or rather to the point that I am ready to not live there
>>>>>>>>>>>> anymore. So, when I get to the point of not wanting to live there
>>>>>>>>>>>> anymore it could be 10, 20, 30 or more years down the road, but I
>>>>>>>>>>>> am sure there will come a time that I am ready to move on. If this
>>>>>>>>>>>> is not the case and I stay there until I die then it is not a
>>>>>>>>>>>> concern, However, a 1950 house that I live in for 20 years will
>>>>>>>>>>>> then be 85 years old. I know the specific house that we are
>>>>>>>>>>>> looking at has been on the market for right about 5 months. So,
>>>>>>>>>>>> what do you all think, do you think I would have trouble selling
>>>>>>>>>>>> an 85 year old home? It is on the market for 5 months at the age
>>>>>>>>>>>> of 65 years old. It is right about 112,000.00 right now without
>>>>>>>>>>>> negotiating a lower price. Do you think I would be able to get my
>>>>>>>>>>>> money back? If it is not a major concern, the age of the house,
>>>>>>>>>>>> then I will not let it sway my decision, but taking into
>>>>>>>>>>>> consideration that it is an all brick rancher with over 1700 sq.
>>>>>>>>>>>> ft. and it is almost 100,000.00 and still on the market concerns
>>>>>>>>>>>> me regardless how beautiful the house seems right now.
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