[audio-pals] Re: Older Houses
- From: "Josh" <lawdog911@xxxxxxxxxxx>
- To: <audio-pals@xxxxxxxxxxxxx>
- Date: Tue, 17 Mar 2015 08:26:39 -0400
So, you win a prize when you find one of these? I am not so sure I would
consider stink a prize *LOL*.
From: audio-pals-bounce@xxxxxxxxxxxxx [mailto:audio-pals-bounce@xxxxxxxxxxxxx]
On Behalf Of Thomas McMahan
Sent: Tuesday, March 17, 2015 7:44 AM
To: audio-pals@xxxxxxxxxxxxx
Subject: [audio-pals] Re: Older Houses
No, the first giveaway is the stink *lol*.
On Mar 17, 2015, at 6:39 AM, Josh <lawdog911@xxxxxxxxxxx> wrote:
That does not sound good *LOL*.
From: <mailto:audio-pals-bounce@xxxxxxxxxxxxx> audio-pals-bounce@xxxxxxxxxxxxx
[ <mailto:audio-pals-bounce@xxxxxxxxxxxxx>
mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of Thomas McMahan
Sent: Tuesday, March 17, 2015 12:45 AM
To: <mailto:audio-pals@xxxxxxxxxxxxx> audio-pals@xxxxxxxxxxxxx
Subject: [audio-pals] Re: Older Houses
Not the ones’ I’ve found. Those you wouldn’t want to search for *lol*. But
you would sure find them *lol*.
On Mar 16, 2015, at 8:55 PM, Josh < <mailto:lawdog911@xxxxxxxxxxx>
lawdog911@xxxxxxxxxxx> wrote:
I think the dog one was just a search engine as well.
From: <mailto:audio-pals-bounce@xxxxxxxxxxxxx> audio-pals-bounce@xxxxxxxxxxxxx
[ <mailto:audio-pals-bounce@xxxxxxxxxxxxx>
mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of Thomas McMahan
Sent: Monday, March 16, 2015 4:47 PM
To: <mailto:audio-pals@xxxxxxxxxxxxx> audio-pals@xxxxxxxxxxxxx
Subject: [audio-pals] Re: Older Houses
Don’t know anything about that, and not sure I wan’t to, I know what those are
*lol*. This is just a search engine though.
On Mar 16, 2015, at 3:36 PM, Josh < <mailto:lawdog911@xxxxxxxxxxx>
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: <mailto:audio-pals-bounce@xxxxxxxxxxxxx> audio-pals-bounce@xxxxxxxxxxxxx
[ <mailto:audio-pals-bounce@xxxxxxxxxxxxx>
mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of Thomas McMahan
Sent: Monday, March 16, 2015 1:44 AM
To: <mailto:audio-pals@xxxxxxxxxxxxx> 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 < <mailto:lawdog911@xxxxxxxxxxx>
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: <mailto:audio-pals-bounce@xxxxxxxxxxxxx> audio-pals-bounce@xxxxxxxxxxxxx
[ <mailto:audio-pals-bounce@xxxxxxxxxxxxx>
mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of Susan Waaga
Sent: Sunday, March 15, 2015 9:50 PM
To: <mailto:audio-pals@xxxxxxxxxxxxx> 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 <
<mailto:thomas.mcmahan@xxxxxxx> 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.
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