Homeownership Thread

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Re: Homeownership Thread

Post #1851 by vonbonds » Mon Mar 21, 2016 2:27 pm

OFS knows my stance. Stick with 30 and pay down early if you want to. If you hit any kind of hiccup with your personal economy you can't make the 15 a 30 again.
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Re: Homeownership Thread

Post #1852 by AD » Mon Mar 21, 2016 2:39 pm

Why would that length of mortgage even be allowed for chrissakes? Who the hell knows what's gonna happen in 5 years let alone 20!?
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Re: Homeownership Thread

Post #1853 by MP » Mon Mar 21, 2016 2:39 pm

I'm in the pay it off asap camp.
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Re: Homeownership Thread

Post #1854 by R-66Y » Mon Mar 21, 2016 4:52 pm

AD wrote:How old are you? That's really the question I should have started with. And is there any flexibility to renegotiate terms without penalty?

I'm 30. I want to retire as early as possible, and definitely before 60. A 15 year would put me right around my ideal retirement age of 45. The only thing holding me back is the risk associated with locking in at 15 years and committing to an extra 400/month on our payment
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Re: Homeownership Thread

Post #1855 by vonbonds » Mon Mar 21, 2016 5:09 pm

That's an extra car payment for 15 straight years and LO to the L at retiring at 45 with a normal job and eventually having a family.
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Re: Homeownership Thread

Post #1856 by AD » Mon Mar 21, 2016 5:25 pm

What VB said about retirement.

Still calculate the actual difference in absolute money.

I mean, if you're gonna take that extra 400 a month and just invest it. Then fine. But y'all are just gonna spend it anyway. On kids too. Damned kids.
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Re: Homeownership Thread

Post #1857 by MP » Mon Mar 21, 2016 5:51 pm

vonbonds wrote:That's an extra car payment for 15 straight years and LO to the L at retiring at 45 with a normal job and eventually having a family.

He never said Seylar was going to retire at the same time... @manwithaplan
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Re: Homeownership Thread

Post #1858 by IcE ColD » Mon Mar 21, 2016 6:05 pm

@manjustlikePlan
This whole idea that we are even important is a fucking illusion. We’re just an accident left to our own devices.

Trent Reznor - 24/07/2018
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Re: Homeownership Thread

Post #1859 by vonbonds » Mon Mar 21, 2016 6:19 pm

Touche
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Re: Homeownership Thread

Post #1860 by R-66Y » Mon Mar 21, 2016 7:19 pm

I am kind of leaning toward getting the 30 year, actually. The difference in interest won't matter THAT much, and theoretically, we should be able to get a better roi by investing the savings
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Re: Homeownership Thread

Post #1861 by R-66Y » Mon Mar 21, 2016 7:21 pm

MP wrote:
vonbonds wrote:That's an extra car payment for 15 straight years and LO to the L at retiring at 45 with a normal job and eventually having a family.

He never said Seylar was going to retire at the same time... @manwithaplan

Selyar plans on going back to work after kids, so it shouldn't be impossible to reach retirement levels of savings in a 15 to 20 year range
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Re: Homeownership Thread

Post #1862 by vonbonds » Mon Mar 21, 2016 7:30 pm

R-66Y wrote:
MP wrote:
vonbonds wrote:That's an extra car payment for 15 straight years and LO to the L at retiring at 45 with a normal job and eventually having a family.

He never said Seylar was going to retire at the same time... @manwithaplan

Selyar plans on going back to work after kids, so it shouldn't be impossible to reach retirement levels of savings in a 15 to 20 year range

From what I know about her here (which is everything as you know) she will rock out the mommy gig. She will go back to work when your kids are older which will magically be right about when you're 45 :pacman:
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Re: Homeownership Thread

Post #1863 by R-66Y » Mon Mar 21, 2016 7:59 pm

vonbonds wrote:
R-66Y wrote:
MP wrote:He never said Seylar was going to retire at the same time... @manwithaplan

Selyar plans on going back to work after kids, so it shouldn't be impossible to reach retirement levels of savings in a 15 to 20 year range

From what I know about her here (which is everything as you know) she will rock out the mommy gig. She will go back to work when your kids are older which will magically be right about when you're 45 :pacman:

Perfect timing for me to retire and her to work until 60 if that's the case :P
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Re: Homeownership Thread

Post #1864 by vonbonds » Mon Mar 21, 2016 8:03 pm

R-66Y wrote:
vonbonds wrote:
R-66Y wrote:Selyar plans on going back to work after kids, so it shouldn't be impossible to reach retirement levels of savings in a 15 to 20 year range

From what I know about her here (which is everything as you know) she will rock out the mommy gig. She will go back to work when your kids are older which will magically be right about when you're 45 :pacman:

Perfect timing for me to retire and her to work until 60 if that's the case :P

Well played :danson:
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Re: Homeownership Thread

Post #1865 by R-66Y » Mon Mar 21, 2016 8:24 pm

She just agreed to those terms, too.

:creeper2:
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Re: Homeownership Thread

Post #1866 by selyar » Mon Mar 21, 2016 8:56 pm

i did not agree to anything.
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Re: Homeownership Thread

Post #1867 by R-66Y » Mon Mar 21, 2016 9:15 pm

Image
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Re: Homeownership Thread

Post #1868 by vonbonds » Mon Mar 21, 2016 9:30 pm

Shots.Fired.
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Re: Homeownership Thread

Post #1869 by selyar » Mon Mar 21, 2016 10:23 pm

Boo you dude.
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Re: Homeownership Thread

Post #1870 by Shawnathan Horcoff » Mon Mar 21, 2016 10:43 pm

R-66Y wrote:Image


Image
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Re: Homeownership Thread

Post #1871 by AD » Wed Mar 23, 2016 9:24 am

Fucking portos.
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Re: Homeownership Thread

Post #1872 by MP » Wed Mar 23, 2016 3:48 pm

Dog wrote:Who the heck puts new shingles over old ones? Jesus Christ, Joe!

Used to be quite common.
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Re: Homeownership Thread

Post #1873 by R-66Y » Thu Mar 24, 2016 10:51 am

Home Depot gift cards for 9% off face value at cardcash.com. Pick out the gift card, enter promo code FIVEMORE before you checkout and they'll take off an extra 5%. :D
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Re: Homeownership Thread

Post #1874 by Ricard_Persson » Thu Mar 24, 2016 11:18 am

I've stripped a few roofs (rouves) in my day that were double up shingles. Gives the old shovel and arm a good workout.


I even saw a triple layer once. Two lazy pricks teamed up over 30 years to make that shingle sandwich.
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Re: Homeownership Thread

Post #1875 by Redden Punches Faces » Fri Mar 25, 2016 11:59 am

I was considering using. A LOT of paint on the plywood instead of shingles
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Re: Homeownership Thread

Post #1876 by Craig » Sun Mar 27, 2016 7:50 am

Would I be crazy to attempt to apply leveling compound to my basement floor myself?
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Re: Homeownership Thread

Post #1877 by MP » Sun Mar 27, 2016 9:52 pm

Can you work a drill and follow the instructions on the bag?

I assume this is self levelling and the product is the appropriate for what your planning to do?
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Re: Homeownership Thread

Post #1878 by Craig » Sun Mar 27, 2016 10:00 pm

Yeah, I can probably do that.
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Re: Homeownership Thread

Post #1879 by MP » Sun Mar 27, 2016 10:08 pm

Craig wrote:Yeah, I can probably do that.

You'll need a mixing attachment for a drill.

https://www.homedepot.ca/en/home/p.super-mixer.1000170071.html
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Re: Homeownership Thread

Post #1880 by Craig » Sun Mar 27, 2016 10:11 pm

Yeah, they're cheap tho.
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Re: Homeownership Thread

Post #1881 by vonbonds » Mon Mar 28, 2016 9:54 am

Sounds doable..go for it and take lots of pics for the lulz if it goes wrong
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Re: Homeownership Thread

Post #1882 by Craig » Mon Mar 28, 2016 12:17 pm

Alright, that settles it.
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Re: Homeownership Thread

Post #1883 by AD » Mon Mar 28, 2016 5:10 pm

Can't wait for the pics!
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Re: Homeownership Thread

Post #1884 by Boring Choice #2 » Mon Mar 28, 2016 5:45 pm

Dog wrote:Even I did the self levelling cement in my basement thing, Greg. Even I!


Was this before or after it started leaking?
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Re: Homeownership Thread

Post #1885 by AD » Mon Mar 28, 2016 7:15 pm

I'm thinking of adding an extension to my house.
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Re: Homeownership Thread

Post #1886 by Boring Choice #2 » Mon Mar 28, 2016 7:32 pm

I thought you were moving soon so you wife doesn't have to worry about your sons wearing the wrong colours to school and getting knifed for it.
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Re: Homeownership Thread

Post #1887 by Boring Choice #2 » Mon Mar 28, 2016 7:33 pm

Or is the extension for the live in nanny / homeschool classroom?
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Re: Homeownership Thread

Post #1888 by AD » Mon Mar 28, 2016 8:35 pm

Neighbourhood's picking up. Crips seem to be in control so we can't really make a mistake no more.
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Re: Homeownership Thread

Post #1889 by MP » Mon Mar 28, 2016 10:06 pm

AD wrote:I'm thinking of adding an extension to my house.

This smells like a ploy to divide up your house into a triplex, condominiumize it, and sell each unit for the price of your current house...
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Re: Homeownership Thread

Post #1890 by AD » Tue Mar 29, 2016 7:00 am

Been done.
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Re: Homeownership Thread

Post #1891 by R-66Y » Wed Mar 30, 2016 5:20 pm

MP wrote:
AD wrote:I'm thinking of adding an extension to my house.

This smells like a ploy to divide up your house into a triplex, condominiumize it, and sell each unit for the price of your current house...

this is a good idea. unfortunately for me, my property is about 5% too small to subdivide :( otherwise i'd sell my yard and pay off my house in short order
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Re: Homeownership Thread

Post #1892 by R-66Y » Sat Apr 02, 2016 4:56 pm

Just locked in a 30 year refinance at 3.375 with 0 points and 0 lender fees

:danson:
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Re: Homeownership Thread

Post #1893 by MP » Sat Apr 02, 2016 9:00 pm

R-66Y wrote:Just locked in a 30 year refinance at 3.375 with 0 points and 0 lender fees

:danson:

Lol, I'm just about to up my payment to be done in 9 years. With the end goal to be done in 5.
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Re: Homeownership Thread

Post #1894 by R-66Y » Sat Apr 02, 2016 9:03 pm

Nice. I'm taking a different approach. Invest the extra money, assume I'll make more than 3.375% returns, and I should come out ahead. I really wanted to get a 15 year, but selyar was concerned about the higher payment if we have kids
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Re: Homeownership Thread

Post #1895 by MP » Sat Apr 02, 2016 9:08 pm

R-66Y wrote:Nice. I'm taking a different approach. Invest the extra money, assume I'll make more than 3.375% returns, and I should come out ahead. I really wanted to get a 15 year, but selyar was concerned about the higher payment if we have kids

Meh, the more disposable income I have, the more I dispose of it. So for me, getting the mortgage gone, stops me from posting it away.
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Re: Homeownership Thread

Post #1896 by vonbonds » Sun Apr 03, 2016 9:21 am

R-66Y wrote:Nice. I'm taking a different approach. Invest the extra money, assume I'll make more than 3.375% returns, and I should come out ahead. I really wanted to get a 15 year, but selyar was concerned about the higher payment if we have kids

I'm a big fan of her as you well know. Keep listening to good advice.
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Re: Homeownership Thread

Post #1897 by selyar » Mon Apr 04, 2016 4:59 pm

vonbonds wrote:
R-66Y wrote:Nice. I'm taking a different approach. Invest the extra money, assume I'll make more than 3.375% returns, and I should come out ahead. I really wanted to get a 15 year, but selyar was concerned about the higher payment if we have kids

I'm a big fan of her as you well know. Keep listening to good advice.


aw shucks.
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Re: Homeownership Thread

Post #1898 by vf » Thu May 26, 2016 6:07 pm

R-66Y wrote:
vonbonds wrote:
PPJ wrote:Back in the 70's when people re-did their roofing shingles they just put them over the old ones. Since then shinglers have said you should remove the old ones and start from scratch.

Is this just a make more work project for shinglers or is there method to this madness. You'd think two layers of shingles is better than one, no?

It's my understanding that you can layer 1 course on top of the original. After that you take it all off and start over.

This is my understanding as well, but I'm no roofing expert. I would get a metal roof now if I had the option though.


Metal has it's ups and downs. If your roof slopes to a door or driveway you should avoid it at all costs if you get any snow.

IIRC putting new shingles over the old voids the warranty if anything happens, may void insurance too. Would have to double check.
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Re: Homeownership Thread

Post #1899 by clawfirst » Fri May 27, 2016 4:30 pm

No way it voids insurance. It's literally in the building code that two layers are permitted. Warranty...well that's basically voided the moment they are installed..you ever heard of someone actually getting the 25 year shingle paid for by the previous manufacturer..yeah right
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Re: Homeownership Thread

Post #1900 by Shawnathan Horcoff » Fri May 27, 2016 7:07 pm

I would never leave old shingles on my - or anyone else's - roof. :colbert:

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