The Homeowner Thread

Health insurance rip off lying FDA big bankers buying
Fake computer crashes dining
Cloning while they're multiplying
Fashion shoots with Beck and Hanson
Courtney Love, and Marilyn Manson
You're all fakes
Run to your mansions
Come around
We'll kick your ass in

Postby fresh salad » Thu May 17, 2018 4:59 pm

That's what it looks like.
It never goes up and dips does it.
Yep, those are the jeans of a cat owner
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Postby brent » Thu May 17, 2018 5:00 pm

anyone ever replace their central ac/how much did it cost?
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Postby fresh salad » Thu May 17, 2018 5:00 pm

I don't really understand buying a loan down very well, but does that every make sense?
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Postby tgk » Thu May 17, 2018 5:17 pm

fresh salad wrote:That's what it looks like.
It never goes up and dips does it.


We've been at rock bottom for about 10 years so its gonna go up until the economy tanks again
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Postby kit fox » Thu May 17, 2018 5:36 pm

what the schmuck wrote:
Sprinkler systems are insanely expensive to install and maintain from what I gather. Is the water line coming into the house able to handle the pressure of when they open up the flood gates? Are you willing to literally have everything ruined if you have a grease fire in your kitchen, because a system doesn't know the difference between a small and big fire.



yeah they're super expensive, especially in a retrofit. but in a properly installed fire suppression system the kitchen will be it's own zone, and will be chemical suppression instead of water. the whole system should be heat rather than smoke activated, but have smokes that trip the alarm for you. but at that point you might as well go full industrial in the kitchen with a huge hood over the range and stainless everywhere. I've also had issues in houses where the alarm gets tripped because someone took a super hot shower and the steam coming out after the door was opened trips the heat sensor. would be bad if it was also hooked up to a suppression system!!
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Postby what the schmuck » Thu May 17, 2018 5:43 pm

fresh salad wrote:I don't really understand buying a loan down very well, but does that every make sense?


It makes sense if the amount you spend to buy down the APR is made up for in the interest savings over the life of the loan. So for example you spend $2500 to reduce the APR by .2% which over the life of the loan (30 years) saves more than $2500 in what you would have paid in interest then yes it makes sense.

But if you're ever planning on doing a refi or selling before the term of the loan is over, it does not make sense.
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Postby fresh salad » Thu May 17, 2018 5:47 pm

Right, but as you said, rates are going to climb, so it would probably be quite a while before rates went down enough to bother to re-fi...

I hate thinking.
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Postby what the schmuck » Thu May 17, 2018 8:38 pm

I mean, rates aren't always increasing. From week to week they can and definitely do go down after an increase. Potentially year over year they will increase because they have been at historical lows, but there were also historical lows 10 years ago so there is a potential to refinance.

We decided for a buy down, but that's because we decided it was worth it.
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Postby fresh salad » Thu May 17, 2018 9:08 pm

I just pulled the trigger and I guess can decide later to buy down on that if I want.
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Postby what the schmuck » Fri May 18, 2018 2:31 pm

You know whats super annoying? Window people.
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Postby gutenmorgan » Sat May 19, 2018 10:29 am

My co-op board interview is tomorrow. If all goes well maybe I will make a "shareholders in a corporation who are entitled to leases as a result" thread.

Edit: approved! Quasi-homeowner :ryan:
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Postby goofjan » Wed May 23, 2018 8:44 pm

congrats gutenmorgan!

welp, I opened my dishwasher to load it and sparks flew out and it smoked for a second. I think I've blown a fuse because everything from that side of my kitchen to my adjoining bedroom is without power.

calling electricians now.
plz if u get a chanse put some flowrs on algernons grave kthxbye
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Postby fresh salad » Thu May 24, 2018 12:09 am

Got the appraisal back and it’s 17K more than what I am buying it for
So good I guess?
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Postby goldsoundz » Thu May 24, 2018 12:27 am

as long as the appraisal is more than your purchase price you should be good to go
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