[audio-pals] Re: reforming English
- From: "Josh" <lawdog911@xxxxxxxxxxx>
- To: <audio-pals@xxxxxxxxxxxxx>
- Date: Mon, 16 Mar 2015 16:03:11 -0400
Why you are at it remove the silent letters from words.
-----Original Message-----
From: audio-pals-bounce@xxxxxxxxxxxxx
[mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of Daniel Crone
Sent: Saturday, March 14, 2015 1:04 PM
To: audio-pals@xxxxxxxxxxxxx
Subject: [audio-pals] reforming English
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.
>>>
>>
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