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Archive | May, 2013

Buying A House Part Three

15 May

There’s gonna be lots of parts to this, simply because it is a long process. Yesterday, I:

1. sent the boyfriend’s information to a bank. I am going to compare banks, but contact with Bank One has begun. I sent off all the information. I hope they get back to me soon. Later this week, I have to call other banks and mortgage companies.

2. called the Town Hall. I asked them about current taxes, and they gave me the following website: taxlookup.net. I was able to look up the house, find out if there are back taxes, and find out how much annual taxes will run me. No back taxes!

3. talked to the Town Assessor. He told me the place had flooded and if someone lies to me about the history of the house, then they have broken a NYS law! The guy who owns the house is awesome and told us that it did flood.

4. found out that one of my ex-coworkers is close to the owner. Hopefully that will work in my favor!

Next, I have to:

1. Call my awesome insurance agent who can give me a quote on home insurance

2. Call some new mortgage companies to compare rates.

Wow. That’s a lot to do and a lot to remember! I’ll have to start keeping a “house buying appointment book”!

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Buying A House Part Two

13 May

Mother’s Day was also my dad’s birthday. I didn’t go to their house that day because we have a surprise for them next weekend. However, I called, of course. Am I ever glad I did! I talked to my dad about the house. He had some great tips.

taxes-1

1. Are there back taxes on it?

2. What’s broke? How old is the roof, water heater, furnace, etc etc

3. Is the water well or municipal?

4. What’s the foundation look like?

5. Does it flood? (Important for where I live)

6. What’s the condition of the yard?

My daddy is my biggest critic, and thank God he is. If I don’t want to hear the hard truth, I don’t call him. I really should call him more often. The answers to these questions will give me a great start on any home I’m considering. I would not have known to ask these questions on my own.

I’m calling the town hall today to ask about the property. I’ll ask about back taxes and the amount of last year’s taxes. That should be public domain. I’ve also contacted two mortgage companies, and will contact a third this week. I read that it’s best to shop around and compare what they offer. I also heard that balloon rates are very, very bad and should be avoided at all costs.

I hope you’re enjoying following my journey through buying a house. If you have any suggestions at any point through my process, please tell me. I am sharing this process to let everyone know how I’m doing it, to get suggestions and to give advice to those behind me! It’s not easy, but it’s worth it.

Buying A House

12 May

I am trying to buy a house….and it is the scariest thing ever!!! Since this is a how-to blog, I’m posting my journey here. We found a house “for sale by owner”, so I guess we’re going that route right now. We went and talked to the guy and he’s very picky about who he is going to sell to. He likes us though, especially since I told him the house was solar panel ready. So, I know I did it wrong, but I fell in love with a house before calling the bank. Now I have to call a bank. I’m in contact with a finance company – I forget who so I’ll pass along the information when I get an email back from them – to get pre-approved. We’ll see how much I get pre-approved for.

No, we're not buying a log cabin - but it would be cool, right?

No, we’re not buying a log cabin – but it would be cool, right?

 

So the asking price is low for our area. He just wants to unload the house, and there is minor cosmetic damage to it. Like, the gutters fell off in the last storm. Minor stuff. I’ll probably have to have the house assessed, and there’s taxes, and there’s insurance, and blah blah blah….. I really don’t have any idea. I’m hoping the mortgage company helps me. In the meantime, I’m reading everything I can get my hands on about the process. If you have any websites that really helped you, please send them to me. If you have any advice, please leave it.

What happened in your situation? What do you wish you had done differently? What tips can you give me? Any words of wisdom are appreciated.

Abercrombie SAY WHAT?????

9 May

As I was cruising through Facebook today, I found a news link about the Abercrombie and Fitch CEO, Mike Jeffries. He was talking about how cool he is and how awesome the rest of the world thinks his clothes are. Too bad no one else agrees.

First of all, I don’t feel bad talking about the guy and posting his picture:

gty_michael_jeffries_abercrombie_mi_121019_wg

 

 

Troll, right? The reason that I have no bad feelings about calling this guy names is because he has been calling me names for years:

“In every school there are the cool and popular kids, and then there are the not-so-cool kids,” he told the site. “Candidly, we go after the cool kids. We go after the attractive all-American kid with a great attitude and a lot of friends. A lot of people don’t belong [in our clothes], and they can’t belong. Are we exclusionary? Absolutely. Those companies that are in trouble are trying to target everybody: young, old, fat, skinny. But then you become totally vanilla. You don’t alienate anybody, but you don’t excite anybody, either,” he told Salon.

Yeah. I take that personally. I wasn’t uncool in school, but I wasn’t one of the kids that walked around in the best clothes, either. I had glasses. I was long and lanky, with too much arm and too little body. I had funny hair at times. My teeth were (and still are) noticeably crooked. I am obviously one of the people who SHOULD NOT wear his clothing.

Or maybe I should. Maybe I should parade around in his stuff, take my picture and send it directly to him. Maybe I should get my bigger-than-Abercrombie’s-standards boyfriend to squeeze an A&F shirt over his girth and email it directly to Mr. “I Ain’t Pretty And I Don’t Know It”.  How funny would that be???

But for now, I’ll just encourage a boycott. Seriously. This man doesn’t deserve anything, least of all our support.

However, if any “ugly people”, myself included, want to mass email the guy, let me know and we’ll organize it! Oh, I just might be on to something here…….

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