I thought dogpile was a search engine. On Mar 16, 2015, at 3:36 PM, "Josh" <lawdog911@xxxxxxxxxxx> wrote: > There was one browser that I had tried out for just a short while called Dog > Pile or something like that. I know it was dog, but not sure about the pile > part of it. > > From: audio-pals-bounce@xxxxxxxxxxxxx > [mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of Thomas McMahan > Sent: Monday, March 16, 2015 1:44 AM > To: audio-pals@xxxxxxxxxxxxx > Subject: [audio-pals] Re: Older Houses > > Yeah, don’t care for Bing either. Google or Duckduck go for me. AM still > getting used to the duck a little though with how it organizes it’s results, > but not to bad. > On Mar 15, 2015, at 9:01 PM, Josh <lawdog911@xxxxxxxxxxx> wrote: > > I have Windows 8.1, but I think when I first got it I found a way to > intentionally disable bing. I prefer the good old fashioned Google. > > From: audio-pals-bounce@xxxxxxxxxxxxx > [mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of Susan Waaga > Sent: Sunday, March 15, 2015 9:50 PM > To: audio-pals@xxxxxxxxxxxxx > Subject: [audio-pals] Re: Older Houses > > I now have window 8.1 with bing. I am now starting to get used to using this > program. > I had heard windows 10 suppose to be out in the near future. > Suzi > > > > On Saturday, 14 March 2015, 0:59, Thomas McMahan <thomas.mcmahan@xxxxxxx> > wrote: > > > Windows 8 or 8.1? > > On Mar 13, 2015, at 8:47 AM, Josh <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] On Behalf Of Thomas McMahan > Sent: Friday, March 13, 2015 9:20 AM > To: 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> 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] On Behalf Of Thomas McMahan > Sent: Thursday, March 12, 2015 2:08 PM > To: 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" for DMARC) <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> > To: 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" for DMARC) <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> > To: 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] On Behalf Of Thomas McMahan > Sent: Thursday, March 12, 2015 4:58 AM > To: 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> 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> 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. > * To post to the audio-pals group send e-mail to: audio-pals@xxxxxxxxxxxxx To unsubscribe via e-mail send mail to: audio-pals-request@xxxxxxxxxxxxx and put the word unsubscribe in the subject line of the e-mail. To subscribe to this list send mail to: audio-pals-request@xxxxxxxxxxxxx and put the word subscribe in the subject line of the e-mail. * Audio-pals Archive of Audio letters on Sendspace: https://www.sendspace.com/folder/ukt0yo * Zello users, search for audio-pals channel, password is pudding. *