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In PA a basement is where you put a toilet and a radon mitigation system
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Aug 10, 2023 17:13
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also your bikes
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Aug 10, 2023 17:15
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anonumos posted:Might as well doxx myself. This is what I'm buying. Well done! And being close to your kid's school is huge. SC? I'd be filling the yard with Cypress, because I'm a tree weirdo.
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Aug 10, 2023 17:32
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lol offer accepted, I just bought a house for 815k NorCal ftw
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Aug 10, 2023 18:03
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nikosoft posted:lol offer accepted, I just bought a house for 815k 
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Aug 10, 2023 18:05
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nikosoft posted:lol offer accepted, I just bought a house for 815k what do you do for a living
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Aug 10, 2023 18:32
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see this is what letting PFC continue to post does to a thread
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Aug 10, 2023 18:33
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I will never stop posting.
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Aug 10, 2023 18:34
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nikosoft posted:lol offer accepted, I just bought a house for 815k Im guessing 3/2 1900 sq ft
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Aug 10, 2023 18:36
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lmao i think 800k is about the max you can afford while staying under 33% of income to housing cost for a ~$180k household income, which isn't super hard if two working professional adults in their mid-30s are doing well in their chosen fields? yet 800k for 1900 sq feet sounds like a very bad deal.
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Aug 10, 2023 18:54
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income-to-housing recommendation is gross, so in practice it's going to be close to half your net I would feel very uncomfortable taking on a single bill that's half my net, but that's probably just my poorbrain speaking
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Aug 10, 2023 18:55
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DR FRASIER KRANG posted:see this is what letting PFC continue to post does to a thread This is a PFC containment thread. That's what it's here for.
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Aug 10, 2023 18:57
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anonumos posted:Might as well doxx myself. This is what I'm buying. Plant some trees and that would be a nice property. Pin oak, maybe an American Holly or Gordonia.
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Aug 10, 2023 19:03
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JAY ZERO SUM GAME posted:there are loving finger joints on those cabinet faces. that's not exactly technical carpentry, but like... it's so cheap and so prevalent just using a piece of laminated MDF. Just can't figure out how this happened. What does this mean? I assume that's evidence that the cabinets were built on-site instead of factory pressed out of sawdust? anonumos has issued a correction as of 19:14 on Aug 10, 2023 |
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Aug 10, 2023 19:08
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Fozzy The Bear posted:Plant some trees and that would be a nice property. They left one massive oak tree in the middle of the original 3/4 acre lot. Unfortunately it's rooted in the neighbors yard, but it doesn't overhang my house, just part of my back yard. I'm totally looking forward to landscaping the yard to make a little pollinators oasis.
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Aug 10, 2023 19:13
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anonumos posted:What does this mean? It means that they're solid wood and constructed in a high strength fashion instead of just lovely butted particle board. 
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Aug 10, 2023 19:16
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anonumos posted:They left one massive oak tree in the middle of the original 3/4 acre lot. Unfortunately it's rooted in the neighbors yard, but it doesn't overhang my house, just part of my back yard. I'm totally looking forward to landscaping the yard to make a little pollinators oasis. Nice!
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Aug 10, 2023 19:57
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Pittsburgh Fentanyl Cloud posted:income-to-housing recommendation is gross, so in practice it's going to be close to half your net See i feel this way too, what if one of us gets laid off or accidental kid or medical emergency. I never extended myself, I played it conservative and kept the risk low. I have missed out on so much loving money. Don't be like me.
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Aug 10, 2023 20:27
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Acelerion posted:See i feel this way too, what if one of us gets laid off or accidental kid or medical emergency. I never extended myself, I played it conservative and kept the risk low. it does really feel bad to watch the dumbest shitheads i grew up with become millionaires overnight because they were born in austin and didn't get laid off in 2009
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Aug 10, 2023 20:33
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nikosoft posted:lol offer accepted, I just bought a house for 815k where痴 the 1 in front of the 815k
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Aug 10, 2023 20:36
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Bastard Tetris posted:where’s the 1 in front of the 815k The fact that he's only getting one house for 3/4 a million dollars of debt
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Aug 10, 2023 20:38
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anonumos posted:The fact that he's only getting one house for 3/4 a million dollars of debt I知 kidding I知 mostly jealous all of that mortgage interest is deductible
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Aug 10, 2023 20:43
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Acelerion posted:I have missed out on so much loving money. Don't be like me. I've posted about it before but I'm a huge dummy for spending less than $200k on a house in 2016 because I wanted to keep a low mortgage payment that, if one of my wife or I got laid off, we'd be able to tighten our belts and afford. And then in 2020 we refinanced to a super low interest rate instead of moving in to a bigger house. We were fools, morons. Absolute idiots. We should have leveraged ourselves to the hilt for a $400k or $500k house that hit on every single thing that we wanted instead of making some compromises because now with both prices and interest rates spiking we're 7 years later and would like to move because we have different priorities now and also know a lot better what we actually want out of a house but lol, moving up even one step on the price point ladder would double our mortgage payments. The people who leveraged themselves before 2020 are the winners. Thoguh has issued a correction as of 20:58 on Aug 10, 2023 |
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Aug 10, 2023 20:55
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Bastard Tetris posted:I知 kidding I知 mostly jealous all of that mortgage interest is deductible lol
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Aug 10, 2023 20:57
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Yeah I should have gone up to a then 450k or so house in 2019. oh well!
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Aug 10, 2023 20:57
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Bastard Tetris posted:I知 kidding I知 mostly jealous all of that mortgage interest is deductible It's not anymore.
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Aug 10, 2023 20:59
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Thoguh posted:It's not anymore. Isn't that a technicality? The standard deduction is now so high you'd need a lot of mortgage interest for itemization to matter. I gladly shed my low interest 300k loan for 220k at double the interest. I'm getting a much better house to boot. When rates drop I should be able to refinance pretty easily. Yay for being a high earner, but I'll never borrow more than twice my salary again. anonumos has issued a correction as of 21:08 on Aug 10, 2023 |
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Aug 10, 2023 21:05
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Fozzy The Bear posted:Plant some trees and that would be a nice property. anonumos posted:They left one massive oak tree in the middle of the original 3/4 acre lot. Unfortunately it's rooted in the neighbors yard, but it doesn't overhang my house, just part of my back yard. I'm totally looking forward to landscaping the yard to make a little pollinators oasis. PLANT COTTON WOOD. They grow fast! They provide a lot of shade! Even FDR loved them!
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Aug 10, 2023 21:05
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cottonwood in the spring is a goddamn nightmare though. it's like it snows.
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Aug 10, 2023 21:14
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Thoguh posted:It's not anymore. It is under certain circumstances, up to about $750k I think? Standard deduction tops out at like $27k or something
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Aug 10, 2023 21:15
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DR FRASIER KRANG posted:cottonwood in the spring is a goddamn nightmare though. it's like it snows. It's a beautiful tree and please try not to slander its bounty.
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Aug 10, 2023 21:15
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it only stops at 750k???
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Aug 10, 2023 21:16
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i say swears online posted:it does really feel bad to watch the dumbest shitheads i grew up with become millionaires overnight because they were born in austin and didn't get laid off in 2009 Again I saw that under the sun the race is not to the swift, nor the battle to the strong, nor bread to the wise, nor riches to the intelligent, nor favor to the skillful; but time and chance happen to them all.
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Aug 10, 2023 21:21
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Yah the mortgage interest deduction limit is $750k, for a married couple, which is mostly irrelevant for the price range of homes being talked about here. When rates were around 3% the interest on that mortgage alone was $22k just under the married filing jointly standard deduction by itself. At 7% it's $52k of deductible interest.
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Aug 10, 2023 21:27
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DR FRASIER KRANG posted:cottonwood in the spring is a goddamn nightmare though. it's like it snows. It's not that big of a deal unless the cotton gets thick enough to clog your AC. Your neighbors are going to hate your guts for them though
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Aug 10, 2023 21:49
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Bastard Tetris posted:It is under certain circumstances, up to about $750k I think? Standard deduction tops out at like $27k or something Yeah, I guess it still exists under certain circumstances, for most people though it isn't gonna cause you to go over the standard deduction so it's essentially gone. Though seeing the math on new interest rates that may now be a dated opinion from the privilege of a mortgage that I refinanced in 2020 at 2.25% so I only pay $225/month in interest and will be sub $200/month in early 2025.
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Aug 10, 2023 21:52
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It used to be uncapped, but TCJA hosed it so private jets can stay deductible forever trumbl
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Aug 10, 2023 21:53
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Bastard Tetris posted:It used to be uncapped, but TCJA hosed it so private jets can stay deductible forever also the little people tax cuts go away in 2025 lmao
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Aug 10, 2023 22:02
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Pittsburgh Fentanyl Cloud posted:also the little people tax cuts go away in 2025 lmao biden omitted them from his budgeting for the IRA, lol.
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Aug 10, 2023 22:20
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the standard deduction is going to go down in two years?
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Aug 10, 2023 22:26
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