[audio-pals] Re: Older Houses

  • From: "Josh" <lawdog911@xxxxxxxxxxx>
  • To: <audio-pals@xxxxxxxxxxxxx>
  • Date: Fri, 13 Mar 2015 13:43:04 -0400

Perhaps it is a mutual fondness.

-----Original Message-----
From: audio-pals-bounce@xxxxxxxxxxxxx [mailto:audio-pals-bounce@xxxxxxxxxxxxx] 
On Behalf Of Thomas McMahan
Sent: Friday, March 13, 2015 11:52 AM
To: audio-pals@xxxxxxxxxxxxx
Subject: [audio-pals] Re: Older Houses

Or their fondness to him, not sure how that works.  

> On Mar 13, 2015, at 10:34 AM, Josh <lawdog911@xxxxxxxxxxx> wrote:
> 
> That would make sense and explain his fondness to squirrels. *LOL*
> 
> -----Original Message-----
> From: audio-pals-bounce@xxxxxxxxxxxxx 
> [mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of Thomas McMahan
> Sent: Friday, March 13, 2015 11:04 AM
> To: audio-pals@xxxxxxxxxxxxx
> Subject: [audio-pals] Re: Older Houses
> 
> I think he’s already doing it, and it sounds like squirrels chattering.  
> 
>> On Mar 13, 2015, at 9:08 AM, Josh <lawdog911@xxxxxxxxxxx> wrote:
>> 
>> Why not do as one of my philosophy professors did and create your own 
>> language complete with new alphabet.
>> 
>> -----Original Message-----
>> From: audio-pals-bounce@xxxxxxxxxxxxx 
>> [mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of Thomas McMahan
>> Sent: Friday, March 13, 2015 9:10 AM
>> To: audio-pals@xxxxxxxxxxxxx
>> Subject: [audio-pals] Re: Older Houses
>> 
>> I don't think the term elderly is exactly a new term in the English 
>> language come to think of it.
>> 
>> Why not use the term youngerly?  You could invent a whole new term.  
>> Why be happy with just chocolate sponge when there's a whole language 
>> you can modify?
>> 
>> 
>>> On Mar 13, 2015, at 7:36 AM, Daniel Crone <averagegrabbag@xxxxxxxxx>
>> wrote:
>>> 
>>> Just curious as to why the term, elderly, is used, rather than old.
>>> After all, people in their 20's are not said to be youngerrly.
>>> I think it is fear of aging, and maybe fear of death that causes 
>>> some to
>> do that.
>>> On Mar 12, 2015, at 8:24 PM, "Josh" <lawdog911@xxxxxxxxxxx> wrote:
>>> 
>>>> Well. Tennessee does have a tax break for elderly, disabled, and 
>>>> disabled
>> veteran home owners. The reimbursement or payment is 145.00. The 
>> relief goes on to define further who is approved under the "disabled"
>> or "disabled veterans". I found it slightly comical that one of the 
>> qualifying events to get your tax break is "Killed in Action". I am 
>> not sure that the individual who died tragically in action will be 
>> worried about getting their tax break on their property. Another 
>> thing that Tennessee offer is freezing property taxes for the elderly.
>> However, I do not qualify for any of it. In order to qualify for the 
>> elderly status I need to be 65, so that one is out. Then for all of them 
>> there are income requirements. We exceed the allowed amounts.
>> Thank you for letting me know about this though. I wonder if Amanda 
>> could get a tax break for raising her two kids (i.e. me and Little Man 
>> *LOL*).
>> 
>>>> 
>>>> From: audio-pals-bounce@xxxxxxxxxxxxx 
>>>> [mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of Thomas 
>>>> McMahan
>>>> Sent: Thursday, March 12, 2015 4:47 PM
>>>> To: audio-pals@xxxxxxxxxxxxx
>>>> Subject: [audio-pals] Re: Older Houses
>>>> 
>>>> Or do a search for tax breaks for disabled citizens Tennessee.  
>>>> Remember
>> Homesteader's Act as far as I know is an Illinois thing, and if you 
>> search with that term it may bog you down in Springfield, and you 
>> don't want to be there *lol*.  I don't think there was a Federal 
>> version, but maybe Tennessee has a similar thing.  Don't know.
>>>> 
>>>> I suppose you could search with term Homesteader's Act Tennessee 
>>>> and see
>> if anything relevant comes up.  But I doubt it, if there's such a 
>> thing there, it's likely another name.
>>>> 
>>>> 
>>>> On Mar 12, 2015, at 3:37 PM, Josh <lawdog911@xxxxxxxxxxx> wrote:
>>>> 
>>>> I wil have to call tomorrow to check on that Home Steaders Act. I 
>>>> may be
>> able to find something online regarding this if I dig around on the 
>> city and county websites. I know that they freeze taxes for senior 
>> citizens. Well, I am off to study for a quiz that I can hopefully take 
>> tonight before bed.
>>>> From: audio-pals-bounce@xxxxxxxxxxxxx 
>>>> [mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of Thomas 
>>>> McMahan
>>>> Sent: Thursday, March 12, 2015 4:16 PM
>>>> To: audio-pals@xxxxxxxxxxxxx
>>>> Subject: [audio-pals] Re: Older Houses
>>>> 
>>>> Yes.  I am suspicious about this too even if they are 2014's taxes 
>>>> and
>> 2013'2 taxes and 2014's are due this year like here, why are they two 
>> years behind, and is the mortgage behind too?
>>>> 
>>>> Yep better do some digging on this one.  
>>>> 
>>>> Also Josh, check with your State here in Illinois they have what is
>> called Homesteader's Act, which reduces property taxes for people 
>> with disabilities.  It's not a big reduction, but any reduction helps.
>> Here it's done through the County.  We got Pat's sister in on that 
>> too since she draws SSDI.  Maybe your State doesn't have this though, 
>> but might want to check and see.
>>>> 
>>>> On Mar 12, 2015, at 2:56 PM, BethAnn LaPresta (Redacted sender
>> "bela28_02@xxxxxxxxx" for DMARC) <dmarc-noreply@xxxxxxxxxxxxx> wrote:
>>>> 
>>>> This would HAVE to be disclosed to you by the sellers at the time 
>>>> you
>> placed an offer (if you were going to).  When the agent selling a 
>> home takes the listing, they usually "open" title with a title 
>> company that would spell all of that out.  So, everyone should be 
>> very aware of this...if your agent isn't yet and you are interested, 
>> I would ask her.  This becomes a negotiating point.  The seller is 
>> required to sell you a home with a clear title, if the city and/or 
>> county has placed a lien on the property (or anyone else for that 
>> matter), this would be something that you must insist is paid up 
>> before closing.  It may also be something that you negotiate in as 
>> far as you guys may be willing to pay the back taxes, but it will 
>> come out of the proceeds of the house.  Honestly, this one sounds a 
>> little scary...why are they behind?  Is the mortgage also behind?  
>> Are they in foreclosure yet with the lender?  Are they going to do a short 
>> sale?  Lots of questions if you're really interested.
>>>> 
>>>> From: Josh <lawdog911@xxxxxxxxxxx>
>>>> To: audio-pals@xxxxxxxxxxxxx
>>>> Sent: Thursday, March 12, 2015 12:22 PM
>>>> Subject: [audio-pals] Re: Older Houses
>>>> 
>>>> Hey this may be a question that you can answer here, I was doing 
>>>> some
>> rsearch on the property that Amanda and I are potentially interested in.
>> Well, I called the city tax office and found out that this property 
>> has both city and county taxes which I already knew. However, I also 
>> found out that they are upside down in their taxes. I found out the 
>> property owners are two years delinquent on their taxes at both the 
>> city office and the county office. The city office mentioned that I 
>> would want to go through a title company to purchase this property. I 
>> do not know why the title company was recommended though. Do you have 
>> any knowledge regarding properties that are delinquent on their taxes and up 
>> for sale?
>>>> 
>>>> 
>>>> 
>>>> From: audio-pals-bounce@xxxxxxxxxxxxx 
>>>> [mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of BethAnn 
>>>> LaPresta (Redacted sender "bela28_02@xxxxxxxxx" for DMARC)
>>>> Sent: Thursday, March 12, 2015 3:01 PM
>>>> To: audio-pals@xxxxxxxxxxxxx
>>>> Subject: [audio-pals] Re: Older Houses
>>>> 
>>>> I found a 3% down program in 2011---you had to have a 680 credit 
>>>> score or
>> better at that time through my credit union.  A true conventional 
>> loan is 20% down, but there are exceptions depending on your bank.  
>> There are also a lot of low down payment options for first time home 
>> buyers, so it's good to check around.
>>>> 
>>>> From: Josh <lawdog911@xxxxxxxxxxx>
>>>> To: audio-pals@xxxxxxxxxxxxx
>>>> Sent: Thursday, March 12, 2015 11:45 AM
>>>> Subject: [audio-pals] Re: Older Houses
>>>> 
>>>> That sounds about right, since the lender has only talked about 
>>>> that
>> option. However, if we end up getting a house that is around 100 K 
>> then we may be able to do conventional. Conventional requires what 
>> 10% down or 5% down?
>>>> 
>>>> 
>>>> From: audio-pals-bounce@xxxxxxxxxxxxx 
>>>> [mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of BethAnn 
>>>> LaPresta (Redacted sender "bela28_02@xxxxxxxxx" for DMARC)
>>>> Sent: Thursday, March 12, 2015 11:11 AM
>>>> To: audio-pals@xxxxxxxxxxxxx
>>>> Subject: [audio-pals] Re: Older Houses
>>>> 
>>>> I am fairly certain that with an FHA loan, you will have the taxes 
>>>> and
>> insurance in your monthly payment already.
>>>> 
>>>> From: Josh <lawdog911@xxxxxxxxxxx>
>>>> To: audio-pals@xxxxxxxxxxxxx
>>>> Sent: Thursday, March 12, 2015 3:40 AM
>>>> Subject: [audio-pals] Re: Older Houses
>>>> 
>>>> Well, before we decide that any house is the house we want, we make 
>>>> sure
>> that we can afford it with the rest of our bills. As far as escroe 
>> goes we have not discussed that so that is something that we will 
>> have to discuss as the time draws near. As I read on down through 
>> your email it appears that we have discussed the whole escroe aspect. 
>> We definitely have had each payment considered with tax and insurance in 
>> mind with the payment.
>>>> 
>>>> 
>>>> 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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