Because they are phonetic. > On Mar 14, 2015, at 12:03 PM, Daniel Crone <averagegrabbag@xxxxxxxxx> wrote: > > I have always wanted to simplify spelling. > One of the first things to do would be to get rid of the p h words. > Why should not fone, fotograf, and words like that not start with f? > 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. >>>> >>> >>> * 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. >>> >>> * >> >> * 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. >> >> * >> >> * 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. >> >> * > > * 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. > > * * 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. 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