[beanmaestro]

[quote=FormerSanDiegan]”working with the first tenants to pick something they’d like”

– Sounds like a recipe for disaster. You should be purchasing property that meets your financial needs. That may not align wiht the tentants’ needs.
[quote]

The point was more that we have a first tenant/live-in manager available if we happen to find something we both like. If it doesn’t work out, we can go the normal route. But having a first tenant secured seems like better than not.

[beanmaestro]

I think this decision is a good compromise:
– It upheld the basic law. Given the divisions in Congress and the stupid expansion of the filibuster, it would have been impossible to make any health care laws if this one was struck down
– It didn’t use the commerce clause to uphold the law. Doing so would have noticeably widened a part of of the constitution that’s already being grossly abused to reduce states’ rights
– If red states don’t want to accept government money to pay for the health of poor people, that’s unfortunate, but they’re basically just letting Washington keep money that would otherwise go to their state economy. I suspect in the long run, most states will either take the money or suffer.

[beanmaestro]

You could always get a friend to bid at 15% below ask the week before you offer 10% below ask. One of my friends is a permabear, and gets his giggles by making ~25% off bids.

And for what it’s worth, we got our first choice house offering 7% under ask. The sellers countered halfway, and we said, no, our first bid was a firm offer. Their agent called us back to accept a half-hour later.

[beanmaestro]

You could always get a friend to bid at 15% below ask the week before you offer 10% below ask. One of my friends is a permabear, and gets his giggles by making ~25% off bids.

And for what it’s worth, we got our first choice house offering 7% under ask. The sellers countered halfway, and we said, no, our first bid was a firm offer. Their agent called us back to accept a half-hour later.

[beanmaestro]

You could always get a friend to bid at 15% below ask the week before you offer 10% below ask. One of my friends is a permabear, and gets his giggles by making ~25% off bids.

And for what it’s worth, we got our first choice house offering 7% under ask. The sellers countered halfway, and we said, no, our first bid was a firm offer. Their agent called us back to accept a half-hour later.

[beanmaestro]

You could always get a friend to bid at 15% below ask the week before you offer 10% below ask. One of my friends is a permabear, and gets his giggles by making ~25% off bids.

And for what it’s worth, we got our first choice house offering 7% under ask. The sellers countered halfway, and we said, no, our first bid was a firm offer. Their agent called us back to accept a half-hour later.

[beanmaestro]

You could always get a friend to bid at 15% below ask the week before you offer 10% below ask. One of my friends is a permabear, and gets his giggles by making ~25% off bids.

And for what it’s worth, we got our first choice house offering 7% under ask. The sellers countered halfway, and we said, no, our first bid was a firm offer. Their agent called us back to accept a half-hour later.

[beanmaestro]

So, right now Amerisave is offering:
Rate Payment APR Fees
3.750% $2,709 3.906% $10,304
3.875% $2,751 3.948% $4,483
4.000% $2,793 4.029% $622
4.125% $2,835 4.154% $-1,931
4.250% $2,878 4.280% $-2,821
4.375% $2,921 4.406% $-6,225

To my inexperienced eye, the 4% or 4.125% refi looks best. Paying points takes 8 years, while the difference between the 4% and 4.125% works out to 5 years. Thoughts?

Also, it seems to me like rates might go up after this week’s chaos stabilizes. Or does the smart money wait to refi?

(I’m tempted to get the 3.25% 15-year option, but higher payment may really suck when we have more kids and my wife wants a couple years off work)

[beanmaestro]

So, right now Amerisave is offering:
Rate Payment APR Fees
3.750% $2,709 3.906% $10,304
3.875% $2,751 3.948% $4,483
4.000% $2,793 4.029% $622
4.125% $2,835 4.154% $-1,931
4.250% $2,878 4.280% $-2,821
4.375% $2,921 4.406% $-6,225

To my inexperienced eye, the 4% or 4.125% refi looks best. Paying points takes 8 years, while the difference between the 4% and 4.125% works out to 5 years. Thoughts?

Also, it seems to me like rates might go up after this week’s chaos stabilizes. Or does the smart money wait to refi?

(I’m tempted to get the 3.25% 15-year option, but higher payment may really suck when we have more kids and my wife wants a couple years off work)

[beanmaestro]

So, right now Amerisave is offering:
Rate Payment APR Fees
3.750% $2,709 3.906% $10,304
3.875% $2,751 3.948% $4,483
4.000% $2,793 4.029% $622
4.125% $2,835 4.154% $-1,931
4.250% $2,878 4.280% $-2,821
4.375% $2,921 4.406% $-6,225

To my inexperienced eye, the 4% or 4.125% refi looks best. Paying points takes 8 years, while the difference between the 4% and 4.125% works out to 5 years. Thoughts?

Also, it seems to me like rates might go up after this week’s chaos stabilizes. Or does the smart money wait to refi?

(I’m tempted to get the 3.25% 15-year option, but higher payment may really suck when we have more kids and my wife wants a couple years off work)

[beanmaestro]

So, right now Amerisave is offering:
Rate Payment APR Fees
3.750% $2,709 3.906% $10,304
3.875% $2,751 3.948% $4,483
4.000% $2,793 4.029% $622
4.125% $2,835 4.154% $-1,931
4.250% $2,878 4.280% $-2,821
4.375% $2,921 4.406% $-6,225

To my inexperienced eye, the 4% or 4.125% refi looks best. Paying points takes 8 years, while the difference between the 4% and 4.125% works out to 5 years. Thoughts?

Also, it seems to me like rates might go up after this week’s chaos stabilizes. Or does the smart money wait to refi?

(I’m tempted to get the 3.25% 15-year option, but higher payment may really suck when we have more kids and my wife wants a couple years off work)

[beanmaestro]

So, right now Amerisave is offering:
Rate Payment APR Fees
3.750% $2,709 3.906% $10,304
3.875% $2,751 3.948% $4,483
4.000% $2,793 4.029% $622
4.125% $2,835 4.154% $-1,931
4.250% $2,878 4.280% $-2,821
4.375% $2,921 4.406% $-6,225

To my inexperienced eye, the 4% or 4.125% refi looks best. Paying points takes 8 years, while the difference between the 4% and 4.125% works out to 5 years. Thoughts?

Also, it seems to me like rates might go up after this week’s chaos stabilizes. Or does the smart money wait to refi?

(I’m tempted to get the 3.25% 15-year option, but higher payment may really suck when we have more kids and my wife wants a couple years off work)

[beanmaestro]

[quote=njtosd]IMHO, you will regret it. Our kids are now 7,9 and 11, but we are dependent on a yard where the kids can be outside without total supervision. When your kids get older, if you have a yard they can play outside while you get something done inside. If your only choice is a park, one parent will always have to go to the park with them, which is less likely.[/quote]

I think it depends on the neighborhood layout, parents’ paranoia index, and kids’ responsibility level. I regularly biked by myself to friends’ houses/parks/playground/school from the time I was 8 or so. If you are inclined to let your kids do that, then a nice park 2 blocks away on quiet streets may be ideal. On the other hand, it varies with the child, and they’re not old enough to know yet.

[beanmaestro]

[quote=njtosd]IMHO, you will regret it. Our kids are now 7,9 and 11, but we are dependent on a yard where the kids can be outside without total supervision. When your kids get older, if you have a yard they can play outside while you get something done inside. If your only choice is a park, one parent will always have to go to the park with them, which is less likely.[/quote]

I think it depends on the neighborhood layout, parents’ paranoia index, and kids’ responsibility level. I regularly biked by myself to friends’ houses/parks/playground/school from the time I was 8 or so. If you are inclined to let your kids do that, then a nice park 2 blocks away on quiet streets may be ideal. On the other hand, it varies with the child, and they’re not old enough to know yet.

[beanmaestro]

[quote=njtosd]IMHO, you will regret it. Our kids are now 7,9 and 11, but we are dependent on a yard where the kids can be outside without total supervision. When your kids get older, if you have a yard they can play outside while you get something done inside. If your only choice is a park, one parent will always have to go to the park with them, which is less likely.[/quote]

I think it depends on the neighborhood layout, parents’ paranoia index, and kids’ responsibility level. I regularly biked by myself to friends’ houses/parks/playground/school from the time I was 8 or so. If you are inclined to let your kids do that, then a nice park 2 blocks away on quiet streets may be ideal. On the other hand, it varies with the child, and they’re not old enough to know yet.

[Author]

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