EmotionallyUnstable

Finishing my bathroom reno. Installing new toilet closet flange tmrw through new tile. A little nervous about drilling into the porcelain. Any suggestions

Mom?

I’ve never met a pie I didn’t like

It’s in the works. Knowing my group, we’ll probably have it figured out by Christmas

We looked at bridge loans. They seem a bit of a risk, but one that many people may need to take if they wanted to get into what they truly want Right, so you pump 30k into the bones of the house and THEN move? That wouldn't make sense to me. If we had to make those repairs, we're likely looking at much longer. The move now would be so we have the flexible liquid cash to buy non-contingent and be more competitive in the market, as much as I'd love to sit on some extra cash!

Thanks for the insight. Makes sense. One additional thing we've considered is that the age of the home is creeping up onto some of the major expenses (roof, windows, furnace)....These things could go in the next 3-5 years. So we weighed risking that or going now to avoid these costs. Regarding non-contingency, our broker said our DTI is where in needs to be for approval, but we don't have the liquid cash. We worry about adding a kid to the mix and potential maintenance and repairs will keep us from getting the liquidity we need to be non-contingent in a few years anyways.

We moved into our 3 bed 1.5 bath house almost 5 years ago. At the time, we knew it could be a place we stayed for 5 or 15 years. We put in a lot of money/time into this place. New kitchen, updated half bath, new flooring, trim, paint, Trex decking, patio, garage door and opener...many other smaller items as well. On an off chance, we met with our agent and thought we'd see where she thought we stood, regarding equity in the home. We were shocked by her suggested list price and she felt confidently she could move it quickly at what we wanted (obviously she wants us to list it for the commission, too). She explained that our area has low inventory in houses but plenty of buyers, making it for a great time to cash out on equity and have the liquidity we've always wanted for that forever home. We immediately though we'd prep the house with some minor maintenance cleaning to list it and see if we could be blown away with an offer. We don't currently have the funds for a non-contingent sale, so we'd either need to find that perfect house with a contingent offer and then sell, or move our place first and figure it out from there. We've gotten extremely comfortable here with the finances, the house, neighborhood, commutes, and really love it, but know that the next step isn't all that far off. We've discussed if it is better to sell high now, and then wait on something for when the market could depreciates (COVID or November election possibly,...) and then jump on something at that time, while meanwhile holding up in a rental. Another 'X' factor is we currently have no children. Uprooting our lives right now would be relatively simple. We have the time and funds needed to be patient if we did. We aren't so sure this is the case if we have kids. We may be less likely to have the money, time and patience to find the right forever home if we have one or two little ones running around. On the downside, moving now to something bigger feels unnecessary. We don't currently need the space or sq/ft, so we are likely to pay a much higher mortgage payment for unused house. However, is it better to get into this home/payment now and know what you're paying for 30 years instead of waiting and having the market potentially continue to strengthen, only to pay even more later? I have gone back and forth a million times. What say you? A box of Eggo Waffles, non negotiable.

Sure beats The Seattle Hockey Team

The Magic 8 ball has spoken.

This ***** over, refrigerator

IM ABOUT TO ROCK YOUR WORLD: poach an egg, toast some bread, spread some guacamole on slice, layer with egg and finish with “Everything” (Like the bagel) seasoning.

McLovin

I’m doing just fine without sports. It will be a whole different feeling come August is the NFL isn’t back into the swing of things.

My friend lives in Elma. I’ll PM you his address.

How to do celebrate earning 500 million dollars?

The Gold Rush starring Charlie Chapman

What’s a calorie?

Now I’m hungry

Homemade is the way to go

Does it do any tricks?

My one dogs freaks at fireworks and thunder. The other couldn’t be bothered to even notice it.

It’s hard for me to come to grips that there are people in this country so hateful.

Rest and time are your friend. When you are ready to get back into it, spinning/biking are a low impact way to get the blood pumping back into the muscles. I'd be very careful to stretch, or push too quickly. A lot depends on the severity of the pull. Does it hurt when you walk?

*****, I would. A million dollars is a lot of money!

First real paycheck out of college. Went to Wegmans and threw whatever I wanted in the cart, didn’t even think twice. Felt like a king with my vast array of condiments and cheeses.