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Lol @ everyone in your peer group talking about buying a house at 26. Do you hang out with the most privileged ivy league legacy crackers in the country or something?
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Sep 29, 2014 02:34
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Anyone moved from city to country recently? Trying to get a ballpark estimate for how much more I'd pay throwing in expected maintenance and inspections and other higher costs going from city to rural, so well water, septic, propane and wood stove with similar sized house and use patterns. I know it's pretty variable depending on inefficiencies of various things but trying to get a realistic range from people who have made the leap.
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Oct 4, 2014 15:45
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That's a great example, thanks for all the details.
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Oct 5, 2014 14:28
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Probably come up 50 times in this thread but mover costs? $125-$150/hr sound pretty typical? Any other hidden fees or other ways movers try to screw you?
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Oct 6, 2014 21:11
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Fancy_Lad posted:Curious: How do you know when the septic tank needs to get pumped? Is this a "do it every X months" type thing or is there some sort of gauge? I already did some looking into this, depends on how big the tank and how many people you have pooping in it every day. As an example: 1,000 gallon tank is pretty common, with two people you can expect to need that pumped every five to six years. From that it sounds you can plan on about 100 pounds of poop sludge per person per year that needs to get pumped. As far as I can tell they do not sell any with gauges or other ways to tell how full they are, (maybe inspectors do this with a scope or something?) so sticking to a schedule and measuring how much gets pumped out seems like what most people do. Good poop chat thread guys. Pryor on Fire fucked around with this message at 21:21 on Oct 6, 2014 |
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Oct 6, 2014 21:15
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Great now I know everything about pooping I just need to keep reading about the thousand ways groundwater can get contaminated and kill me through my well. At least I'd be upstream of any agriculture and there's no fracking so I mostly only have to worry about heavy metal poisoning 
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Oct 6, 2014 22:22
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It's hard to generalize the US, depends on the city. Where I live prices have gone up by 20-40% in about two years on houses that haven't been improved at all, and multiple offers above asking price the day it gets listed is very common. And for the first time I've ever seen the prices of condos/townhouses are rising nearly as fast as detached housing, which is unheard of. So yeah the bubble argument could be made. In other cities you can buy poo poo for less than new construction costs still and prices have barely budged from 2009, just depends.
Pryor on Fire fucked around with this message at 20:16 on Oct 9, 2014 |
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Oct 9, 2014 20:14
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I've never had any problem looking at houses in any price range without a buyer's agent, is that a regional custom or something?
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Oct 16, 2014 02:25
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What's so great about that paint? I need to do a shitload of painting soon.
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Oct 16, 2014 23:31
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Half walls and wood paneling must have just gotten you mad pussy in 1980 or something.
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Oct 17, 2014 18:24
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How current is zillow? Realtors are trying to tell me everything is like a month out of date on there but the info always matches their lovely websites so I'm skeptical.
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Oct 19, 2014 11:20
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MLS is beyond retarded. If we had anything even halfway resembling consumer protection or rights in this country it would be busted up and all consolidated in a free site with a real time API anyone can build off of.
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Oct 21, 2014 05:47
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Colorado here, never heard of a sewer line inspection being done before either. Chimney inspections/sweeping on the other hand should be mandatory, too many fires from all the pine being (poorly) burned.
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Oct 30, 2014 19:54
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I used to live in a town so trashy they had a big handwritten sign saying "no returns on plungers" at the local hardware store. Thank god for education and escaping shithole towns.
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Nov 4, 2014 18:59
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It's also worth noting that most people think they will be in their house far longer than they actually end up being there, it's a common overestimation in these calculations. Life changes unexpectedly and people have to move/sell/whatever, so try to err on the side of underestimating how long you'll stay put.
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Nov 13, 2014 23:46
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In all my years the only scum of the earth worse than realtors that I've found are job recruiters. You have to understand that the primary concern with both are to make the deal happen, put the peg in the hole and then you get paid. Nothing else matters. They still can of course be good and be useful but just understand that 90% of humans care only about whatever gets them paid more often, so anyone who is paid based off the peg getting in the hole is probably not looking out for you but just trying to get the peg into the hole. Goddamn don't get me started on recruiters though, they uniquely manage to screw both sides of the agreement over time after time while have no long term stake in anyone or anything, they are a special kind of psychotic madman. Put the peg in the hole by any means necessary, then move on.
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Dec 3, 2014 02:44
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Hahaha no way realtors are teflon.
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Dec 4, 2014 19:37
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Geez I remember when people were thrilled about 11% 30 year fixed mortgages and what a good deal that was. Old man chat.
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Dec 23, 2014 04:47
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nebby posted:Holy poo poo thread. Heh I went through something similar a long time ago, with the bonus of the seller not disclosing a ton of poo poo they were legally required to on a lovely shed that they built on the lot. Went to remediation, lost despite them breaking the law in like a dozen places because the guy was connected to the local power brokers in town then had to sue the fuckers for two years to get our deposit back. Good times, gently caress ownership.
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Dec 30, 2014 05:48
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Nohearum posted:My guess is that you will need to rent something while you hunt for a house. I've been looking at houses around Denver for the last year or so. The market is absolutely insane. Anything decent doesn't last more than 3 days, and usually goes for 10-15k above asking. Contingencies are a thing of the past. There are a lot of well-qualified buyers, so I hope you are putting 20% down to make your offers competitive. I've lost 3 offers to cash buyers in the last 4 months. Most of the excess inventory that plot is showing is likely overpriced run-down junk that nobody wants, not homes that you would consider living in. Denver's always been a strange real estate area, only major city in the US that didn't suffer a year over year decline in the crash, but also price growth in the 90s and 00s was much slower than everywhere else. Now it's a full on crazy bubble of skyrocketing prices for junk in awful neighborhoods.
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Jan 3, 2015 03:50
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Yeah it's great every time mentioning Colorado anywhere anytime to anyone the reaction is always LOL MARIJUANA AM I RITE that sure does never get old let me tell you what.
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Jan 3, 2015 05:05
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The fed has indicated rates are on their way back up sometime in the middle of 2015, it's not a 100% sure thing but pretty drat predictable right now. There's an argument to be made for lower income people who are more sensitive to rate changes (higher income people don't care as much and get more benefit from the tax deduction) to be looking to close a deal soonish.
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Jan 5, 2015 00:35
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Uhhh if your source is the fed minutes then I don't know what to tell you. Google it or google how terriblly unreliable the fed itself is in statements and released minutes? I guess I'll have to be your source (I'm an economist) if you don't have interest in doing that or following financial journalism: rates are increasing this year, the only possible debate lies in how much they get raised.
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Jan 5, 2015 04:56
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Why isn't there just like a loving iPhone app where you can text an offer to a seller and then they can accept or counter or whatever and it generates all the paperwork and then we could just dump all realtors into a river somewhere and life would be grand.
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Feb 17, 2015 18:46
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Yeah it's pretty insane where I live right now http://www.dailycamera.com/boulder-county-business/ci_27614117/hot-housing-market-boulder-county-home-buyers-inventory?source=most_viewed quote:We're within sight of the last single-family detached (home) in the County Hearing lots of those crazy stories of 10+ offers above asking price as soon as it's listed. Aside from the usual junk mail from realtors trying to convince me to sell every week I've also had two stop by unsolicited in person and try to convince me to sell because of the market right now. Just crazy, is this what Vegas was like in 2006? Pryor on Fire fucked around with this message at 20:32 on Mar 2, 2015 |
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Mar 2, 2015 20:28
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I almost always have a huge sense of buyer's remorse but man oh man that was not an issue with buying my first place at all. Getting home after signing everything, getting a locksmith to change all the keys that afternoon and just lying on the floor for awhile was the best feeling ever. I really got wrapped up in the emotion of that the first time, probably a little too much since I had a long string of lovely landlords that regularly broke the law before that. Just felt amazing knowing that I had the only key and noone could barge in for some bullshit reason.
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Mar 3, 2015 04:35
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Hahahah who is paying 2% a year to maintain their house? That's insane. What kind of shoddily constructed money pits that need a new roof every six months are you people buying? I guess some people just dump all their disposable income into renovations/additions constantly as their hobby, but aside from those people I can't imagine dumping that much money on fixing things.
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Mar 3, 2015 17:24
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Yeah I'd never buy a house people smoked in either, fortunately that is getting rarer and rarer these days. Maaaaaaybe if it was so old that it needed to be gutted and repainted and new windows/floors anyway and I got a really good deal, but even then probably not.
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Apr 1, 2015 20:34
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The nice thing about flood zones is all the insurance is federally subsidized, it's like welfare basically. When I lived in one of those FEMA 100 year flood zones in the most flood prone area in Colorado in was like an extra $10 a month in insurance the loan agent required and that was it.
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Apr 3, 2015 02:10
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I'd always advise knocking on all the close neighbors doors before putting in an offer on a house, just say hi and that you're thinking of making an offer and ask them about the hood. Having experienced the wonders of illegal gang run marijuana grow operations next door (SWAT snipers used my roof for that raid), bipolar motorcycle people, and the shirtless alcoholic screamer lady as neighbors has opened my eyes to how important that is.
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Apr 21, 2015 21:37
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Thesaurus posted:I hope you simuntaneously had these people as your neighbors on three sides of your house. That would be pretty hilarious but no I'm just old and have had lots of neighbors over the decades of owning several places. The sometimes legal but usually not marijuana grow thing is becoming a huge concern in Colorado now, the overpowering smell can just take over a neighborhood. I have one realtor friend who now walks the neighborhood sniffing thoroughly before agreeing to list a house because she's been sued twice now in the past few years for selling a house and then the new buyers were not happy about the constant smell of drugs with no recourse besides selling.
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Apr 21, 2015 23:57
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Who on earth mails checks anymore? Set up auto payments, the post office is terrible and when they screw up it can cost you big.
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May 6, 2015 20:57
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I guess having the sellers attempt the repair is better some than some lovely "warranty" they buy where any problem ever is not covered by the "warranty", but only just barely. Yeah get an estimate and cash and find your own people to fix it.
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May 8, 2015 05:23
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Stop working with lovely big banks and mortgage brokers and just call up your local credit union instead. It really doesn't have to be a loving nightmare to get a home loan.
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May 8, 2015 21:20
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Double your salary is overly conservative, in general the financial advice in BFC is waaaay too cautious and will have you living the life of a miser eating nothing but dried rice and beans alone with only your tears to salt the meal. Don't get like 6x your salary in a mortgate but 4x is fine if you're stably employed and have reasonable expectations of income growth.
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May 14, 2015 06:36
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Dik Hz posted:I would, and I'd be willing to walk away over it. It's funny how these sorts of errors never seem to happen the other way around. It's never "oops, turns out you're getting more than you thought." What a great post, everyone read this and follow its spirit when dealing with your own situations like this that will inevitably come up.
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May 18, 2015 01:45
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People do so much retarded poo poo that they think looks good and doesn't or is some loving tree from their childhood in climates that are totally wrong for the landscaping and it pisses me off so much. You don't need a lawn and an oak tree to impress your ancestors or whatever the gently caress.
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May 19, 2015 04:03
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That's like a case study in why you don't let people just build as many million square feet as they want on however much land they want without any government oversight. Like what the flying gently caress.
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May 20, 2015 04:30
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I would never work with an agent who made me sign anything beforehand as a buyer. Even if you did make that mistake just threaten to go all scorched earth on them with bad reviews online and they will always let you back out of it, I've heard about people doing that like a half dozen times to get out of agent contracts and it always seems to work.
Pryor on Fire fucked around with this message at 00:54 on May 24, 2015 |
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May 24, 2015 00:45
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My realtor gave me a $200 gift card to target after last closing. Don't pay some silly $300 fee, the commission is plenty.
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Jun 9, 2015 04:23
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