Pi Day Morning

ill said:
30 Rock Fellow Kids GIF by PeacockTV
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Im sorry, grandpa. Supper was delightful.

:hungry:
 
redseat said:
Live and you learn
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I turned some Cajun pork skillet one into simple street tacos. Put the tomato paste, rice and some other things aside. Cut up the onion, cilantro and fried up the pork sausage. Put in tortillas w lime juice. Was awesome.
 
RobBase (c) said:
I turned some Cajun pork skillet one into simple street tacos. Put the tomato paste, rice and some other things aside. Cut up the onion, cilantro and fried up the pork sausage. Put in tortillas w lime juice. Was awesome.
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That sounds good to me.... Not a huge lime guy but the Cajun spices probably off set the Lime flavor
 
RobBase (c) said:
This is why you need a good realtor right now. If you can’t be on top of stuff 24/7 then you need someone who can. They know what is being listed and when. 5 steps ahead of you.

I hate to tell you this but I’ve gotten into homes that weren’t listed yet. You gotta have an inside person.
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Yeah the broad's BIL used to be a realtor in the area. So apparently he is giving our info to some people he knows, I guess. Idk. We'll see. But yeah, I've realized we definitely need to get a realtor if we decide to be serious about buying.
 
RubinRock said:
Yeah the broad's BIL used to be a realtor in the area. So apparently he is giving our info to some people he knows, I guess. Idk. We'll see. But yeah, I've realized we definitely need to get a realtor if we decide to be serious about buying.
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Good luck. One good tip when getting serious about buying is do not make any major purchases while you are shopping for a home. Really nothing that will alter either your credit score or debt to income ratio (what you earn vs your bills).

Can’t tell you how often I would work on a Pre-approval for somebody, showing them what they can afford etc and they run out and buy a new boat, or a 4 wheeler, or co-sign for a car. Then they find the house, do an application and their credit score changed, their DTI changed and now everything changes. The rate. The cost etc etc

So once you’re serious stay serious.
 
RobBase (c) said:
Good luck. One good tip when getting serious about buying is do not make any major purchases while you are shopping for a home. Really nothing that will alter either your credit score or debt to income ratio (what you earn vs your bills).

Can’t tell you how often I would work on a Pre-approval for somebody, showing them what they can afford etc and they run out and buy a new boat, or a 4 wheeler, or co-sign for a car. Then they find the house, do an application and their credit score changed, their DTI changed and now everything changes. The rate. The cost etc etc

So once you’re serious stay serious.
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Yeah we won't. Both of us have bought new vehicles about 2 years ago. So we're good there. And we're just trying to save up for the house at this point little by little. Only thing big to pay for is the wedding in a year, which is mostly paid for now already. But definitely good to know how easily it can be impacted.
 
RubinRock said:
The market is crazy here as well. Lotta people putting down offers without touring. We saw a cheap place yesterday morning on Zillow. Was as close to perfect as possible for what we are looking for right now. Was only up less than 12 hours at the time. Called to schedule a tour and apparently the buyer already had a offer and was planning on having the deal done within the next 24 hours. And I've heard lots of similar stories from people here.

And no, I don't think its a bubble either like the last time. But its crazy the prices of some of these homes here We live in fucking South Carolina. When I see a lot of these prices, I just think theres no way the majority of these people are putting anywhere closer to 20% down. I know the standards for loans are stricter, but theres no way the average family or individual is able to put down that much. I know I truly can't right now. Thankfully, I'm making decent money now and the broad is graduating in May. So we'll have that second income shortly.
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also if you find a house that checks all the boxes, even if it already has an offer, have your realtor (get one if you dont have one too)put in an offer anyway with your best offer. this market is also causing deals to fall through more frequently too so it may come down to who has the most ducks in a row.
 
NU_FTW said:
I had actually just noticed this with vehicles, was on the way back from Scheels and drove by 2 car lots and pointed out to the wife that they actually had vehicles there (sparse but not bare/empty like they had been)

Last i read about the housing market here (1-2 weeks ago) there was something like 20% of the houses normally available and i know personally from just the VA loan rates that interest rates have at least doubled since October. We closed on our house beginning of october, and since then (just checked) the value of our house has gone up a very conservative 70k ( more practically 80-85)

This market is weird for sure.
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The market is definitely nuts. We got an appraisal on our house last week so we can maximize our HELOC. We've put some big improvements on this place, but it appraised for double what we bought it for 7 years ago. And that's from the bank appraiser....not an independent appraiser. That's goddamn insane.
 
redseat said:
Oh no.... When Kobe say's something like this you know you fucked up
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You seriously don't remember gobuck's gal hijacking his account and reporting a ton of posts that he made about her? And he was never seen from again?
 
kobesgame said:
You seriously don't remember gobuck's gal hijacking his account and reporting a ton of posts that he made about her? And he was never seen from again?
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I do now thanks to @Fish telling me which day to look back from my posting but I hadn't remembered until I looked it up
 
kobesgame said:
The market is definitely nuts. We got an appraisal on our house last week so we can maximize our HELOC. We've put some big improvements on this place, but it appraised for double what we bought it for 7 years ago. And that's from the bank appraiser....not an independent appraiser. That's goddamn insane.
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So what could cause a bubble would be if everybody in your position ran out, took cash out loans to pay off debt, add new debt (cash out to buy a boat, car) etc…housing market either stays put or even decreases slightly. Next time they go to do that next debt consolidation loan (because they’ve added all new debt by now) they can’t because they either don’t have enough equity or are straight upside down now.

Then they have to file BK and foreclose. Then home prices fall as banks unload the foreclosures etc etc

It’s possible, but I don’t think it can get anywhere close to the way it was back in the day.
 
kobesgame said:
You seriously don't remember gobuck's gal hijacking his account and reporting a ton of posts that he made about her? And he was never seen from again?
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I haven't seen him on Untappd either.

He's definitely dead now.
 
redseat said:
I do now thanks to @Fish telling me which day to look back from my posting but I hadn't remembered until I looked it up
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Did Bucks have Hello Fresh too? He seemed more like a McDonald’s guy.
 
RobBase (c) said:
So what could cause a bubble would be if everybody in your position ran out, took cash out loans to pay off debt, add new debt (cash out to buy a boat, car) etc…housing market either stays put or even decreases slightly. Next time they go to do that next debt consolidation loan (because they’ve added all new debt by now) they can’t because they either don’t have enough equity or are straight upside down now.

Then they have to file BK and foreclose. Then home prices fall as banks unload the foreclosures etc etc

It’s possible, but I don’t think it can get anywhere close to the way it was back in the day.
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That makes sense. Our financial advisor told us to maximize our HELOC and use our savings to pay off Mr. Kobe's remaining student loans while there is still no interest being paid and use the HELOC as our fallback that we usually have in our savings. We have no intention of touching any of it unless absolutely necessary. It gives me anxiety to not have that 5-6 months cash in our savings, but I get that it makes sense in our situation. We should be able to bump our savings back up fairly quickly without that $1200/month student loan payment.
 
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