What are you doing right now?

[RageATL]

Originally Posted by BizCat

Time for a beer; or 30

[RageATL]

Originally Posted by red_5ive

Yeah I grew sick of this week on Monday. So happy it's Friday. I'm gonna duck out early today.

[Show spoiler]

Me, when I try to dip outta the office early...

[Mike16]

Looking for a reputable financial advisor near me. I've been thinking about buying my first house but I'm freaking clueless on where to begin.

[RageATL]

Originally Posted by Mike16

Looking for a reputable financial advisor near me. I've been thinking about buying my first house but I'm freaking clueless on where to begin.

Choose wisely and vet them out, it makes a huge difference.

[RageATL]

FINALLY enjoying an after work rum beverage. What a week. Cheers, folks!

[Mike16]

Originally Posted by RageATL

Choose wisely and vet them out, it makes a huge difference.

Are you referring to finding a financial advisor or buying my first house? Or both

[RageATL]

Originally Posted by Mike16

Are you referring to finding a financial advisor or buying my first house? Or both

More so meant the former as that's ultimately gonna (hopefully) help you project a good future path, but I suppose both.

[Fors*]

Originally Posted by Mike16

Are you referring to finding a financial advisor or buying my first house? Or both

When you do find a residential mortgage originator rep, the first thing you want to do is get pre-approved...which basically means you will find out how much house you can afford and be qualified for. This way when you go looking for a house, you will know if you can afford it or not (its a ballpark figure, and other expenses are usually added), but you will have it for real estate agents who want to see the pre-approval letter as well. There will be lots of other hurdles to clear as the process goes, but a good mortgage company should walk you through them as you move forward.

[y2jman]

watching

[Bigdog]

Originally Posted by Fors*

When you do find a residential mortgage originator rep, the first thing you want to do is get pre-approved...which basically means you will find out how much house you can afford and be qualified for. This way when you go looking for a house, you will know if you can afford it or not (its a ballpark figure, and other expenses are usually added), but you will have it for real estate agents who want to see the pre-approval letter as well. There will be lots of other hurdles to clear as the process goes, but a good mortgage company should walk you through them as you move forward.

I would also say do not go anywhere close to the max limit they quote you for a loan. My mortgage for instance living in the northeast, our politicians all suck and love to take us and shake us up and down every year and raise property taxes. My mortgage has gone up a 150 a month since I bought 3 years ago now. Always leave yourself a cushion in your finances as this doesn't account for anything that will pop up during ownership either.

Also, there is nothing that cost under a grand with a home either, when something breaks you better have a few thousand available to fix things up and letting things go will lead to tens of thousands of dollars needed for repair.

Also, when you find that home and submit for the loan do not go out buying things, do not pull your credit for anything tread lightly during that time financial wise imo.

Good luck Mike, this will more than likely be the biggest purchase of your life and one of the smartest imo.

[Fors*]

Originally Posted by Bigdog

I would also say do not go anywhere close to the max limit they quote you for a loan. My mortgage for instance living in the northeast, our politicians all suck and love to take us and shake us up and down every year and raise property taxes. My mortgage has gone up a 150 a month since I bought 3 years ago now. Always leave yourself a cushion in your finances as this doesn't account for anything that will pop up during ownership either.

Also, there is nothing that cost under a grand with a home either, when something breaks you better have a few thousand available to fix things up and letting things go will lead to tens of thousands of dollars needed for repair.

Also, when you find that home and submit for the loan do not go out buying things, do not pull your credit for anything tread lightly during that time financial wise imo.

Good luck Mike, this will more than likely be the biggest purchase of your life and one of the smartest imo.

This is exactly why I went new construction, which came with all of the appliances added in. Now, I have peace of mind for roughly 10 years with the water heater, central air unit, fridge, plumbing, etc....not crapping out on me any time soon since it is all brand new.

[Mike16]

Wrapping up breakfast and wondering what my daughter and I are going to do on this lovely rainy Saturday.

[sfmarine]

Costco Groupon deal going right now. $50 shop card if you sign up for a membership. It’s tempting but I think I’m good with my Sam’s Club account for now. Costco is also far away.

[fighthefutureofhd]

i'm up watching porn trying to get my mind off my legs. They are killing me at the moment. I was listening to Bjork's Debut (one of my Grimey's purchases), but I don't want to listen to it again. UGH!!! I'm usually never up this late, but my legs screwed me up. Yesterday, they hurt so bad that I had to take a dose of my medicine. But since I'm not at work, that means I can succumb to the medicine. Which I did around 6:00 pm while watching a movie. I woke up at 11:00 and haven't been able to go back to sleep. I've taken half a pill just a few minutes ago to help ease my legs. This is no way to live, i tell ya.

Originally Posted by RageATL

What a week, it has not stopped kicking my ass.

You ain't just whistling Dixie. And just because it's the weekend doesn't mean it has eased up. I started the week slightly under the weather and now I am full blown sick. I've got a week to get rid of this. Otherwise my vacation will be miserable. On top of all that, my trip to Grimey's yesterday (Saturday) was somewhat a bust. I got some good stuff, but nothing that is going to wow me, I think.

Originally Posted by BizCat

Time for a beer; or 30

Originally Posted by RageATL

I never touch any of that stuff. Or drugs either. Other than the over counter or prescribed ones. I never saw the appeal in drugs or drinking. The most I'll ever do is regular sodas (i.e. nothnig diet or zero sugar*). I'm just weird that way. Plus, I don't understand the whole concept of beer. My oldest sister once said it was an acquired taste. I'm sorry, but I'm not wasting my time "acquiring" a taste for anything. If you don't like something why would you want to acquire a liking for it. Or condition yourself to like it. I never understood that.




*i generally try to only drink diet or zero sugar sodas, but when I need something STRONG, I will go all out.

[RageATL]

Originally Posted by Bigdog

I would also say do not go anywhere close to the max limit they quote you for a loan. My mortgage for instance living in the northeast, our politicians all suck and love to take us and shake us up and down every year and raise property taxes. My mortgage has gone up a 150 a month since I bought 3 years ago now. Always leave yourself a cushion in your finances as this doesn't account for anything that will pop up during ownership either.

Also, there is nothing that cost under a grand with a home either, when something breaks you better have a few thousand available to fix things up and letting things go will lead to tens of thousands of dollars needed for repair.

Also, when you find that home and submit for the loan do not go out buying things, do not pull your credit for anything tread lightly during that time financial wise imo.

Good luck Mike, this will more than likely be the biggest purchase of your life and one of the smartest imo.

Excellent advice.

Originally Posted by Fors*

This is exactly why I went new construction, which came with all of the appliances added in. Now, I have peace of mind for roughly 10 years with the water heater, central air unit, fridge, plumbing, etc....not crapping out on me any time soon since it is all brand new.

This. I have always bought new as I don't want to inherit someone else's problems or something years later that was hidden and overlooked by an inspector. I took pictures all throughout our build and can refer to them if a problem ever arises.

[Mike16]

Feeling hungover for some reason this morning, which is strange because I'm pretty sure I didn't drink more than 4 beers last night. So anyway, I'm drinking some much needed coffee.

[sfmarine]

We had some storms roll in yesterday. I was expecting a new vinyl from Amazon but because I’m rural, I have to rely on USPS. The carrier is lazy af and marked it as undeliverable lol. Didn’t want to get wet. So I’m wondering if I’ll get it today as they often deliver Amazon packages on Sundays.

[civiclx]

Just got back from a good ride today after not expecting to go out today. I was chillin' at Costco when my buddy talked me into going after I had rain checked earlier in the morning. He had a buddy with him who is a more experienced rider than both of us. Both are new to the Bay Area so I got to take them to some places they haven't been to before. We ended up going all the way to Alice's in Woodside. I've posted a few pics before. I had never been there as a biker before. It gets packed on the weekends and it's been a biker NorCal mecca for several decades. Mostly guys but there were a few hot biker baddies out there as well

[Waboman]

Sipping on a Thai milk tea with boba on a relaxing Sunday evening. Not even a little bit concerned with blowing off mowing. Why do today what you can do tomorrow.

[sfmarine]

Watching the basketball game. Yankees couldn’t get it done tonight. Placed a small Shout Factory order.