next few months matter?

[NotCranky]

“He who hesitates is lost” I think you have come up with some good ideas Scaredy. It is the compromise you are making with your wife that is going to make your deal average or worse eventually. Get the property you want. You clearly have the ideas that will make it a sure success.

If if were me. I would win that argument flat out….unless perhaps it was much more than 50% her money. Play the victim and bully alternately and get your damn way. Tell her buying a house is a huge compromise to make, so her half of the compromise will be buying what you say or you don’t buy. Threaten to move to Arkansas as an alternate fair compromise. Let her pick the compromise not the house.

It may be a risky move, but it beats jumping out of perfectly good airplanes for an adrenaline rush and confidence building… in my book.

[scaredyclassic]

partly where I’m coming from is a deep aversion to debt. DEBT. we ran up a hefty credit card debt in our profligate youth, way before we were scaredycat. Large numbers. We suddenly got religion when the credit card debt coupled with the massive student loan debt threatened to overwhelm us, battened down the hatches about a decade ago, got debt free in 18 months of extreme saving (we used to reuse plastic sandwich baggies washing them and hanging them up to dry — baking our own muffins everyday, etc…) and that mindset just stuck. extreme debt aversion over the lastd ecade has worked for me ina sense. yeah I coulda bought a house in 01 and flipped it in 05 and made $X…but this way works for me. by the way, if you’re interested in the frugal lifestyle, it’s tough to beat THE TIGHTWAD GAZETTE, by amy dacyzyn (spelling might be off on that name). coincidentally this morning i saw a license plate that said “WE NDEBT”. not sure if that meant we in debt” or a business name ‘we end debt”. probably the former. how strange to get a license plate that so proudly proclaims that. you keep that license plate a long time, debt as lifestyle, and while heavy leveraging has worked in the past, worked with my stduent laons, it might not work in the future. might be very bad for a while.

[scaredyclassic]

partly where I’m coming from is a deep aversion to debt. DEBT. we ran up a hefty credit card debt in our profligate youth, way before we were scaredycat. Large numbers. We suddenly got religion when the credit card debt coupled with the massive student loan debt threatened to overwhelm us, battened down the hatches about a decade ago, got debt free in 18 months of extreme saving (we used to reuse plastic sandwich baggies washing them and hanging them up to dry — baking our own muffins everyday, etc…) and that mindset just stuck. extreme debt aversion over the lastd ecade has worked for me ina sense. yeah I coulda bought a house in 01 and flipped it in 05 and made $X…but this way works for me. by the way, if you’re interested in the frugal lifestyle, it’s tough to beat THE TIGHTWAD GAZETTE, by amy dacyzyn (spelling might be off on that name). coincidentally this morning i saw a license plate that said “WE NDEBT”. not sure if that meant we in debt” or a business name ‘we end debt”. probably the former. how strange to get a license plate that so proudly proclaims that. you keep that license plate a long time, debt as lifestyle, and while heavy leveraging has worked in the past, worked with my stduent laons, it might not work in the future. might be very bad for a while.

[scaredyclassic]

partly where I’m coming from is a deep aversion to debt. DEBT. we ran up a hefty credit card debt in our profligate youth, way before we were scaredycat. Large numbers. We suddenly got religion when the credit card debt coupled with the massive student loan debt threatened to overwhelm us, battened down the hatches about a decade ago, got debt free in 18 months of extreme saving (we used to reuse plastic sandwich baggies washing them and hanging them up to dry — baking our own muffins everyday, etc…) and that mindset just stuck. extreme debt aversion over the lastd ecade has worked for me ina sense. yeah I coulda bought a house in 01 and flipped it in 05 and made $X…but this way works for me. by the way, if you’re interested in the frugal lifestyle, it’s tough to beat THE TIGHTWAD GAZETTE, by amy dacyzyn (spelling might be off on that name). coincidentally this morning i saw a license plate that said “WE NDEBT”. not sure if that meant we in debt” or a business name ‘we end debt”. probably the former. how strange to get a license plate that so proudly proclaims that. you keep that license plate a long time, debt as lifestyle, and while heavy leveraging has worked in the past, worked with my stduent laons, it might not work in the future. might be very bad for a while.

[scaredyclassic]

partly where I’m coming from is a deep aversion to debt. DEBT. we ran up a hefty credit card debt in our profligate youth, way before we were scaredycat. Large numbers. We suddenly got religion when the credit card debt coupled with the massive student loan debt threatened to overwhelm us, battened down the hatches about a decade ago, got debt free in 18 months of extreme saving (we used to reuse plastic sandwich baggies washing them and hanging them up to dry — baking our own muffins everyday, etc…) and that mindset just stuck. extreme debt aversion over the lastd ecade has worked for me ina sense. yeah I coulda bought a house in 01 and flipped it in 05 and made $X…but this way works for me. by the way, if you’re interested in the frugal lifestyle, it’s tough to beat THE TIGHTWAD GAZETTE, by amy dacyzyn (spelling might be off on that name). coincidentally this morning i saw a license plate that said “WE NDEBT”. not sure if that meant we in debt” or a business name ‘we end debt”. probably the former. how strange to get a license plate that so proudly proclaims that. you keep that license plate a long time, debt as lifestyle, and while heavy leveraging has worked in the past, worked with my stduent laons, it might not work in the future. might be very bad for a while.

[scaredyclassic]

partly where I’m coming from is a deep aversion to debt. DEBT. we ran up a hefty credit card debt in our profligate youth, way before we were scaredycat. Large numbers. We suddenly got religion when the credit card debt coupled with the massive student loan debt threatened to overwhelm us, battened down the hatches about a decade ago, got debt free in 18 months of extreme saving (we used to reuse plastic sandwich baggies washing them and hanging them up to dry — baking our own muffins everyday, etc…) and that mindset just stuck. extreme debt aversion over the lastd ecade has worked for me ina sense. yeah I coulda bought a house in 01 and flipped it in 05 and made $X…but this way works for me. by the way, if you’re interested in the frugal lifestyle, it’s tough to beat THE TIGHTWAD GAZETTE, by amy dacyzyn (spelling might be off on that name). coincidentally this morning i saw a license plate that said “WE NDEBT”. not sure if that meant we in debt” or a business name ‘we end debt”. probably the former. how strange to get a license plate that so proudly proclaims that. you keep that license plate a long time, debt as lifestyle, and while heavy leveraging has worked in the past, worked with my stduent laons, it might not work in the future. might be very bad for a while.

[scaredyclassic]

also seems a little unfair of you guys t accuse of of overanalysis/navel gaving/being a wuss essentially when in 45 days an unprecedented fed-buying-spree-of-crap-mortgages-no-one-inthe-universe-but the-govt-would-buy PLUS an $8,000 tax credit-no-money-down-3.5%-mortgage prop is about to be pulled away. thinking about whetehr the cessation of those two things might have some effect on the real estate market near term is “analysis paralysis?

i understand and appreciate TG’s buy-and-hold strategy, but still, given no rush, why not wait a little tiny bit more?

and i understand real estate isn’t JUST an investment, but goddamn, it is a big investment…

[scaredyclassic]

also seems a little unfair of you guys t accuse of of overanalysis/navel gaving/being a wuss essentially when in 45 days an unprecedented fed-buying-spree-of-crap-mortgages-no-one-inthe-universe-but the-govt-would-buy PLUS an $8,000 tax credit-no-money-down-3.5%-mortgage prop is about to be pulled away. thinking about whetehr the cessation of those two things might have some effect on the real estate market near term is “analysis paralysis?

i understand and appreciate TG’s buy-and-hold strategy, but still, given no rush, why not wait a little tiny bit more?

and i understand real estate isn’t JUST an investment, but goddamn, it is a big investment…

[scaredyclassic]

also seems a little unfair of you guys t accuse of of overanalysis/navel gaving/being a wuss essentially when in 45 days an unprecedented fed-buying-spree-of-crap-mortgages-no-one-inthe-universe-but the-govt-would-buy PLUS an $8,000 tax credit-no-money-down-3.5%-mortgage prop is about to be pulled away. thinking about whetehr the cessation of those two things might have some effect on the real estate market near term is “analysis paralysis?

i understand and appreciate TG’s buy-and-hold strategy, but still, given no rush, why not wait a little tiny bit more?

and i understand real estate isn’t JUST an investment, but goddamn, it is a big investment…

[scaredyclassic]

also seems a little unfair of you guys t accuse of of overanalysis/navel gaving/being a wuss essentially when in 45 days an unprecedented fed-buying-spree-of-crap-mortgages-no-one-inthe-universe-but the-govt-would-buy PLUS an $8,000 tax credit-no-money-down-3.5%-mortgage prop is about to be pulled away. thinking about whetehr the cessation of those two things might have some effect on the real estate market near term is “analysis paralysis?

i understand and appreciate TG’s buy-and-hold strategy, but still, given no rush, why not wait a little tiny bit more?

and i understand real estate isn’t JUST an investment, but goddamn, it is a big investment…

[scaredyclassic]

also seems a little unfair of you guys t accuse of of overanalysis/navel gaving/being a wuss essentially when in 45 days an unprecedented fed-buying-spree-of-crap-mortgages-no-one-inthe-universe-but the-govt-would-buy PLUS an $8,000 tax credit-no-money-down-3.5%-mortgage prop is about to be pulled away. thinking about whetehr the cessation of those two things might have some effect on the real estate market near term is “analysis paralysis?

i understand and appreciate TG’s buy-and-hold strategy, but still, given no rush, why not wait a little tiny bit more?

and i understand real estate isn’t JUST an investment, but goddamn, it is a big investment…

[scaredyclassic]

and witha family there are so many damned consideratioins my head hurts. now, as opposed to even last year, our oldest is finishing his first year of high schoola nd he really likes the damned place and doesn’t want to leave. in a way, i’d rpefer he wanted out. i didn’t expect him to like it. he usually hates school. so im pleased he is fitting in and enjoying it. but it severly narrows the range of housing. oy.

[scaredyclassic]

and witha family there are so many damned consideratioins my head hurts. now, as opposed to even last year, our oldest is finishing his first year of high schoola nd he really likes the damned place and doesn’t want to leave. in a way, i’d rpefer he wanted out. i didn’t expect him to like it. he usually hates school. so im pleased he is fitting in and enjoying it. but it severly narrows the range of housing. oy.

[scaredyclassic]

and witha family there are so many damned consideratioins my head hurts. now, as opposed to even last year, our oldest is finishing his first year of high schoola nd he really likes the damned place and doesn’t want to leave. in a way, i’d rpefer he wanted out. i didn’t expect him to like it. he usually hates school. so im pleased he is fitting in and enjoying it. but it severly narrows the range of housing. oy.

[scaredyclassic]

and witha family there are so many damned consideratioins my head hurts. now, as opposed to even last year, our oldest is finishing his first year of high schoola nd he really likes the damned place and doesn’t want to leave. in a way, i’d rpefer he wanted out. i didn’t expect him to like it. he usually hates school. so im pleased he is fitting in and enjoying it. but it severly narrows the range of housing. oy.

[Author]

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