[audio-pals] Re: Older Houses
- From: Thomas McMahan <shadowmonstrosity@xxxxxxx>
- To: audio-pals@xxxxxxxxxxxxx
- Date: Fri, 13 Mar 2015 12:44:49 -0500
Must be if he has them shaking places down for coffee cake/oops I mean have
them bringing him coffee cake *lol*.
> On Mar 13, 2015, at 12:43 PM, Josh <lawdog911@xxxxxxxxxxx> wrote:
>
> 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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