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post #1 of 36 (permalink) Old 05-07-2007, 06:07 PM Thread Starter
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Why I LOVE being a homeowner

Moved into new home 2 weeks ago

Yesterday, return hose from washer comes out, floods the laundry room and kitchen. Wood flooring is ruined, had to call in crews to set up dryers and humidifiers. Flooring gets ripped out tomorrow, drywall is ok.

Money is vanishing from my pockets faster than a drunk with a gambling habit. For all the money I've spent on this home in the last 2 weeks, I could have probably bought one of everything that Corey sells on his website....


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post #2 of 36 (permalink) Old 05-07-2007, 06:25 PM
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Is it a new washer? if so they washer company should pay for it especially if they provided the hoses... My friends LG did that same thing it's a hassle to get them to pay but that will be money back into your pocket..


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post #3 of 36 (permalink) Old 05-07-2007, 06:34 PM
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Sorry hear that Phil.


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post #4 of 36 (permalink) Old 05-07-2007, 06:41 PM
 
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for everyone that tells me to buy a home, i point at that any advantage you get tax-wise, you always pay for in maintenance.

its a fact

the ONLY good thing about owning a home is the equity you eventually build up.

However, most financial experts will also tell you that the amount you spend to pay taxes, PMI, and interest, will more than offset the amount you will gain in "normal" situations for equity.

I love not having to pay for maintenance and also being able to move whenever i need to.

:
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post #5 of 36 (permalink) Old 05-07-2007, 08:08 PM Thread Starter
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Quote:
Originally Posted by R1Budha View Post
for everyone that tells me to buy a home, i point at that any advantage you get tax-wise, you always pay for in maintenance.

its a fact

the ONLY good thing about owning a home is the equity you eventually build up.

However, most financial experts will also tell you that the amount you spend to pay taxes, PMI, and interest, will more than offset the amount you will gain in "normal" situations for equity.

I love not having to pay for maintenance and also being able to move whenever i need to.

:
I hear ya Mike, I've been renting for almost 6 years and loved it. Thought I'd cross over to the homeowner side though, luckily no PMI and hopefully not too many "problems" since the home is only 5 years old. If all works well, I'll claim the interest every year and hopefully have some nice equity in 7 to 10 years when it is time to upgrade. Time will tell...:corn


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post #6 of 36 (permalink) Old 05-07-2007, 08:18 PM
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My interest pays write off's pay 1/3 of my mortgage or more....

If I didn't own a home I would be fucked more then I am now by uncle sam....



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post #7 of 36 (permalink) Old 05-07-2007, 08:21 PM
 
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Homeowners insurance did not cover the damages? I know my insurance would
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post #8 of 36 (permalink) Old 05-07-2007, 08:25 PM
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i'd love to buy, but even with E-7 pay, i can't afford the housing in san diego. prices still average over a half million.

shoulda bought 5 years ago...


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post #9 of 36 (permalink) Old 05-07-2007, 08:27 PM
 
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My interest pays write off's pay 1/3 of my mortgage or more....

If I didn't own a home I would be fucked more then I am now by uncle sam....
Amen to that!!!
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post #10 of 36 (permalink) Old 05-07-2007, 08:32 PM Thread Starter
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Quote:
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Homeowners insurance did not cover the damages? I know my insurance would
I contimplated doing it myself, but fuck that, especially with the possibility of mold. So, I called and filed a homeowners claim, even though it killed me to do it. I paid the $500 deductable, but I'm sure this shit will cost upwards of $2000 to $3000 easy. I talked to my Ins (USAA) and they said it shouldn't affect my premium as long as I don't claim this stuff like 5 times in a year.

I'm just thankful it wasn't worse, and that I could afford the $500 deductable. There were times a few years ago when that wouldnt have been a possibility. Have to always look for the bright side.


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post #11 of 36 (permalink) Old 05-07-2007, 08:33 PM Thread Starter
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Quote:
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i'd love to buy, but even with E-7 pay, i can't afford the housing in san diego. prices still average over a half million.

shoulda bought 5 years ago...
Half a million!!!! No way dude. That is CRAZY. I'd live in a shack if I lived in Cali


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post #12 of 36 (permalink) Old 05-07-2007, 09:15 PM
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Half a million!!!! No way dude. That is CRAZY. I'd live in a shack if I lived in Cali
naaaaaaaa, that's just southern cali, the bay area and a few other over populated smog traps.... (j/k

Up north you can get a nice home for 300-400 lol



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post #13 of 36 (permalink) Old 05-07-2007, 09:19 PM Thread Starter
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hm.....400k = about $2700 per month in home payments (just a guess with taxes and ins).......DAYUM!


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post #14 of 36 (permalink) Old 05-07-2007, 09:25 PM
 
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Quote:
Originally Posted by R1Budha View Post
for everyone that tells me to buy a home, i point at that any advantage you get tax-wise, you always pay for in maintenance.

its a fact

the ONLY good thing about owning a home is the equity you eventually build up.

However, most financial experts will also tell you that the amount you spend to pay taxes, PMI, and interest, will more than offset the amount you will gain in "normal" situations for equity.

I love not having to pay for maintenance and also being able to move whenever i need to.

:
Think long term...
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post #15 of 36 (permalink) Old 05-07-2007, 11:02 PM
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Quote:
Originally Posted by kneedragger77 View Post
Half a million!!!! No way dude. That is CRAZY. I'd live in a shack if I lived in Cali
Shacks will only run you a quarter mill...

-James
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post #16 of 36 (permalink) Old 05-08-2007, 04:05 AM
 
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Quote:
Originally Posted by R1Budha View Post
for everyone that tells me to buy a home, i point at that any advantage you get tax-wise, you always pay for in maintenance.

its a fact

the ONLY good thing about owning a home is the equity you eventually build up.

However, most financial experts will also tell you that the amount you spend to pay taxes, PMI, and interest, will more than offset the amount you will gain in "normal" situations for equity.

I love not having to pay for maintenance and also being able to move whenever i need to.

:
In my case the only good thing about buying a home is that I let my wife paint the inside whatever color and how often she wants. I don't have to help, it keeps her busy, and I can get some peace!
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post #17 of 36 (permalink) Old 05-08-2007, 10:33 AM
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Welcome to the wonderful world of home ownership!


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post #18 of 36 (permalink) Old 05-08-2007, 11:15 AM
 
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Think long term...
yake the difference between the rent payment and the "cost of home ownership" and invest it, and youy'll be better off in the long run investing it.........

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post #19 of 36 (permalink) Old 05-08-2007, 11:49 AM
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Show me how you can triple your money in 7 years investing and then also have someone pay 1/3 of your rent for you while you are doing so?





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post #20 of 36 (permalink) Old 05-08-2007, 04:31 PM
 
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Show me how you can triple your money in 7 years investing and then also have someone pay 1/3 of your rent for you while you are doing so?

well lets see.....

i bought apple stock at 15/share and sold it at 80/share.....

my math says i win.


and you havent tripled your money as you still OWE major amounts on that initial investment AND have PAID interest on the initial amount.

i didnt.
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