Augie Posted December 19, 2018 Share Posted December 19, 2018 1 minute ago, Kirby Jackson said: They have until 5:00 PM cst. Let’s hope that a true Happy Hour! Link to comment Share on other sites More sharing options...
teef Posted December 19, 2018 Share Posted December 19, 2018 20 minutes ago, Kirby Jackson said: They have until 5:00 PM cst. it's awful to have to wait. i closed on my loan this morning, and that's an entirely different type of awful. Link to comment Share on other sites More sharing options...
Jauronimo Posted December 19, 2018 Share Posted December 19, 2018 17 hours ago, Kirby Jackson said: This is a total LAMP post but I’m excited. I’m recently single (after 10 years) and it’s something that I’ve been thinking about. This will (hopefully) be my first house. I will find out by tomorrow. Congrats! I'll be in Nola new years eve weekend and staying a 10 min walk from the Bills bar. If you're hanging out for the game celebratory shot on me. Link to comment Share on other sites More sharing options...
Gugny Posted December 19, 2018 Share Posted December 19, 2018 11 minutes ago, Jauronimo said: Congrats! I'll be in Nola new years eve weekend and staying a 10 min walk from the Bills bar. If you're hanging out for the game celebratory shot on me. Link to comment Share on other sites More sharing options...
BuffaloBud Posted December 19, 2018 Share Posted December 19, 2018 Fingers crossed Kirby. One tip from my paternal grandmother when I bought my first house. Don't start a project with the house until the first one is finished. 1 Link to comment Share on other sites More sharing options...
Kirby Jackson Posted December 19, 2018 Author Share Posted December 19, 2018 41 minutes ago, Jauronimo said: Congrats! I'll be in Nola new years eve weekend and staying a 10 min walk from the Bills bar. If you're hanging out for the game celebratory shot on me. I’ll actually be at the game. Fat Harry’s is a pretty good time for the game but the crowd may be a little sparse. Link to comment Share on other sites More sharing options...
CowgirlsFan Posted December 19, 2018 Share Posted December 19, 2018 Fingers and toes crossed! Looks wonderful! Keep us posted. 1 Link to comment Share on other sites More sharing options...
Jay_Fixit Posted December 19, 2018 Share Posted December 19, 2018 18 hours ago, teef said: great work kirby! congrats. what a great house for a young, single guy. it has everything you need, no updates needed, nice back yard, etc. i'm a big fan of building equity, and this is a winner. tomorrow i sign on a business loan to finally build my own building, (this is my LAMP). i was sick of renting a space that didn't work, so i'm building a building with a lab so i pay myself. the debt is a kick in the nuts at first, but after 2-3 years, life settles, it becomes easier. i'll sell it or give it to my kids. i'm done renting or leasing anything. How many kids you at these days? Haven’t seen a famous Teef “What are you guys up to this weekend...by the way I’m at the airport and my wife is pregnant” thread in a while. Link to comment Share on other sites More sharing options...
Kirby Jackson Posted December 19, 2018 Author Share Posted December 19, 2018 9 hours ago, Joe in Winslow said: So I take it the employer shenanigans are a thing of the past Yeah, we sold to Marsh in October. They gave us all a bunch of money to stay (as a key producer bonus) and then big bonuses at 24 and 36 months as part of the earn out. Basically, the sale made our non-competes null and void so they didn’t want our clients to walk out the door and lower the value that they were getting. It’s worked out so far but after 2 and a half months we are starting to see little bits of “Corporate America.” I’m going to let these 3 years play out re-evaluate. 2 Link to comment Share on other sites More sharing options...
Pine Barrens Mafia Posted December 19, 2018 Share Posted December 19, 2018 4 minutes ago, Kirby Jackson said: Yeah, we sold to Marsh in October. They gave us all a bunch of money to stay (as a key producer bonus) and then big bonuses at 24 and 36 months as part of the earn out. Basically, the sale made our non-competes null and void so they didn’t want our clients to walk out the door and lower the value that they were getting. It’s worked out so far but after 2 and a half months we are starting to see little bits of “Corporate America.” I’m going to let these 3 years play out re-evaluate. Well, I hope you're blessed in this new environment, bud! 1 Link to comment Share on other sites More sharing options...
teef Posted December 19, 2018 Share Posted December 19, 2018 9 minutes ago, Jay_Fixit said: How many kids you at these days? Haven’t seen a famous Teef “What are you guys up to this weekend...by the way I’m at the airport and my wife is pregnant” thread in a while. we hit the deuce. we have a 3 yr old girl and a 7 month old boy. at 41 years old, i'm done. i know you have a 4-5 year old son, but did you guys have anymore? Link to comment Share on other sites More sharing options...
Jay_Fixit Posted December 19, 2018 Share Posted December 19, 2018 2 minutes ago, teef said: we hit the deuce. we have a 3 yr old girl and a 7 month old boy. at 41 years old, i'm done. i know you have a 4-5 year old son, but did you guys have anymore? Right on ole pal o mine. We have just the one. Hes already better at football than Likei’ve pretends to be. 1 1 Link to comment Share on other sites More sharing options...
teef Posted December 19, 2018 Share Posted December 19, 2018 15 minutes ago, Jay_Fixit said: Right on ole pal o mine. We have just the one. Hes already better at football than Likei’ve pretends to be. we knew that would be the case though. i have to text likei've. i haven't had beers with him in a while. Link to comment Share on other sites More sharing options...
blacklabel Posted December 19, 2018 Share Posted December 19, 2018 Man, sign me up for a house like that whenever the time comes for me to actually buy one. Good luck, OP, hope everything works out. 1 Link to comment Share on other sites More sharing options...
Punching Bag Posted December 19, 2018 Share Posted December 19, 2018 3 hours ago, Greybeard said: If you are not an expert at all things Houses, get a house inspection. It can be money very well spent. Congrats Kirby. I agree with Greybeard. My inspector found problem in violation of building codes and it needed to be fixed before it could be sold by law despite being sold "as is". I used inspection as leverage to get the bank to pay for other work on house but I got to choose the contractors rather than the cheapest ones the bank was using. 1 Link to comment Share on other sites More sharing options...
Augie Posted December 19, 2018 Share Posted December 19, 2018 22 minutes ago, Limeaid said: Congrats Kirby. I agree with Greybeard. My inspector found problem in violation of building codes and it needed to be fixed before it could be sold by law despite being sold "as is". I used inspection as leverage to get the bank to pay for other work on house but I got to choose the contractors rather than the cheapest ones the bank was using. We bought a 10 year old townhouse to rent to our son about 5 months ago and of course we got an inspection. We had the items noted addressed and closed on time. Since then......the pendant lights in the kitchen stopped working, the dryer stopped drying, the pump for the jetted tub had to be replaced, we waited 3 months to get the part needed to make the oven work again, we found the seller had not disclosed a hole cut in the media room carpet beneath the couch where his wife spilled the coals from the hookah (that $#@& still owes us $1,400 we will never see), one toilet had to be rebuilt, the disposal has been replaced, the big tree in the front yard died and had to be removed, we can’t get the fireplace to light but nobody is available to service it until the spring....and just last week we had to replace an HVAC unit for $7,500. And I’m sure I’m forgetting some stuff. I’d like to welcome @Kirby Jackson to homeownership! Be glad you bought new! ? 1 Link to comment Share on other sites More sharing options...
Buffalo_Gal Posted December 19, 2018 Share Posted December 19, 2018 5 hours ago, Kirby Jackson said: Yeah, it was a lot!! It was all of my banking, tax returns, w-2’s, investments, pay stubs, license, etc...I sent it all and then shredded it. I'm pretty sure his point was that you (generic you referring to mortgage applicants) have to send all this data over unsecured email. And, that is crazy. Good luck with your new home! ? 2 Link to comment Share on other sites More sharing options...
Augie Posted December 19, 2018 Share Posted December 19, 2018 1 hour ago, blacklabel said: Man, sign me up for a house like that whenever the time comes for me to actually buy one. Good luck, OP, hope everything works out. No kidding, great looking place! We are getting close to the deadline, and no news is concerning me. Hope it works out, and know it’s not the only house out there. Keep us up to date! Link to comment Share on other sites More sharing options...
Kirby Jackson Posted December 19, 2018 Author Share Posted December 19, 2018 Under contract!! 10 1 Link to comment Share on other sites More sharing options...
Augie Posted December 19, 2018 Share Posted December 19, 2018 1 minute ago, Kirby Jackson said: Under contract!! Awesome! Exciting times! Great that the first place is new construction, especially if you are as “un-handy” as I am! Link to comment Share on other sites More sharing options...
Kirby Jackson Posted December 19, 2018 Author Share Posted December 19, 2018 17 minutes ago, Augie said: Awesome! Exciting times! Great that the first place is new construction, especially if you are as “un-handy” as I am! I am less handy than that!! Ha ha, that’s why i hadn’t to go this route. Link to comment Share on other sites More sharing options...
Cripple Creek Posted December 19, 2018 Share Posted December 19, 2018 53 minutes ago, Kirby Jackson said: Under contract!! Nice, congrats! 1 Link to comment Share on other sites More sharing options...
Marv's Neighbor Posted December 20, 2018 Share Posted December 20, 2018 20 hours ago, ExiledInIllinois said: Ain't all of NOLA one big jacuzzi? "8 feet below sea level, protected by dikes and serviced by ferries." Just kidding Kirby congrats! Kirby... I just checked the map. You are right next to the levee. I went on the map and checked out where the flood gates and pumping stations are! That's a storm canal that pumps directly to the Pontchartrain. In all seriousness... That's all new infrastructure since Katrina, right? Who maintains the levees, pumps, mows, keeps vegetation down, etc? From the satellite view, it looks like a lot went into the area after Katrina. That storm channel, from the looks of it has three pumping stations. Handles some of the city. The massive one at mouth of channel @ Lake Pontchartrain is huge. The dikes of NOLA may resent you. 8 hours ago, Kirby Jackson said: Yeah, it was a lot!! It was all of my banking, tax returns, w-2’s, investments, pay stubs, license, etc...I sent it all and then shredded it. Did you use Anthony Weiner's computer? 2 Link to comment Share on other sites More sharing options...
Boca BIlls Posted December 20, 2018 Share Posted December 20, 2018 On 12/18/2018 at 8:40 PM, Kirby Jackson said: This is a total LAMP post but I’m excited. I’m recently single (after 10 years) and it’s something that I’ve been thinking about. This will (hopefully) be my first house. I will find out by tomorrow. Batchelor house!?!? When is the party? Link to comment Share on other sites More sharing options...
Kirby Jackson Posted December 20, 2018 Author Share Posted December 20, 2018 15 minutes ago, Boca BIlls said: Batchelor house!?!? When is the party? Anytime!! Link to comment Share on other sites More sharing options...
CowgirlsFan Posted December 20, 2018 Share Posted December 20, 2018 3 hours ago, Kirby Jackson said: Under contract!! Fingers and toes still crossed until ALL the t's are crossed and ALL the i's dotted. 1 Link to comment Share on other sites More sharing options...
Royale with Cheese Posted December 20, 2018 Share Posted December 20, 2018 Which room are you going to grow cannabis in? 1 Link to comment Share on other sites More sharing options...
Kirby Jackson Posted December 20, 2018 Author Share Posted December 20, 2018 11 minutes ago, Royale with Cheese said: Which room aren’t you going to grow cannabis in? FIFY 1 Link to comment Share on other sites More sharing options...
Happy Posted December 20, 2018 Share Posted December 20, 2018 Nice house. Wood floors are a great touch as well as granite countertops in the kitchen. Looks easy to take care of, so that's a bonus. You'll like owning a home come tax time...one of the few tax 'shelters' left. Congrats and hope all works out for you. 1 Link to comment Share on other sites More sharing options...
Ned Kelly Posted December 20, 2018 Share Posted December 20, 2018 Congratulations Kirby. Sounds nice. You should be excited ? 1 Link to comment Share on other sites More sharing options...
Nanker Posted December 20, 2018 Share Posted December 20, 2018 Congrats. It’s a good move. A really, really good move. 1 Link to comment Share on other sites More sharing options...
JohnC Posted December 20, 2018 Share Posted December 20, 2018 On 12/18/2018 at 8:40 PM, Kirby Jackson said: This is a total LAMP post but I’m excited. I’m recently single (after 10 years) and it’s something that I’ve been thinking about. This will (hopefully) be my first house. I will find out by tomorrow. Congratulations. However, before you close on your house make sure you have a snake inspection. https://www.bing.com/videos/search?q=giant+snakes&&view=detail&mid=5457F59C5B6D2EEDB0745457F59C5B6D2EEDB074&&FORM=VDRVRV 1 Link to comment Share on other sites More sharing options...
Kirby Jackson Posted December 20, 2018 Author Share Posted December 20, 2018 1 hour ago, JohnC said: Congratulations. However, before you close on your house make sure you have a snake inspection. https://www.bing.com/videos/search?q=giant+snakes&&view=detail&mid=5457F59C5B6D2EEDB0745457F59C5B6D2EEDB074&&FORM=VDRVRV Already been ordered. It’s a couple hundred bucks extra but people say it’s worth it. Link to comment Share on other sites More sharing options...
BuffaloBill Posted December 20, 2018 Share Posted December 20, 2018 On 12/18/2018 at 7:40 PM, Kirby Jackson said: This is a total LAMP post but I’m excited. I’m recently single (after 10 years) and it’s something that I’ve been thinking about. This will (hopefully) be my first house. I will find out by tomorrow. Good luck with being a land baron. 1 Link to comment Share on other sites More sharing options...
Augie Posted December 21, 2018 Share Posted December 21, 2018 20 hours ago, Happy Gilmore said: Nice house. Wood floors are a great touch as well as granite countertops in the kitchen. Looks easy to take care of, so that's a bonus. You'll like owning a home come tax time...one of the few tax 'shelters' left. Congrats and hope all works out for you. Looks more like marble counters. Not sure, it could be quartz or just about anything....but @Kirby Jackson needs to look into the maintenance. We have granite but I’ve not had marble. A buddy had it in his master bath and was very upset when he didn’t know to get it sealed every so often and he got water marks. Beautiful, just know the surface and how to maintain it. But as noted above, get through till closing. New construction unlikely to have many surprises, but I’ve seen some crazy stuff happen in decades of banking and real estate experience. Funny one, a guy got cold feet on a purchase, but he was committed with $30k in earnest money to lose if he backed out. He went out and leased a Mercedes for like $950/month so his debt/income ratio no longer qualified, so he got out based upon the financing contingency. A good friend/client was a real estate attorney who’s closing instructions asked for “cash or certified funds”. I mobster bought in suitcases full with $450k in CASH! He changed his closing instructions after that. He also was under FBI protection until he could testify in court. 1 Link to comment Share on other sites More sharing options...
Foxx Posted December 21, 2018 Share Posted December 21, 2018 On 12/19/2018 at 5:57 PM, Kirby Jackson said: Under contract!! congrats! i'm a bit jealous after reading the tax situation.... YEAR PROPERTY TAXES TAX ASSESSMENT 2017 $231 $1,500 certainly isn't NY taxes 2 Link to comment Share on other sites More sharing options...
NoSaint Posted December 21, 2018 Share Posted December 21, 2018 12 minutes ago, Foxx said: congrats! i'm a bit jealous after reading the tax situation.... YEAR PROPERTY TAXES TAX ASSESSMENT 2017 $231 $1,500 certainly isn't NY taxes That certainly won’t be his tax situation after it gets revalued in the system from vacant lot in sketchy area to new house in up and coming area 1 1 Link to comment Share on other sites More sharing options...
RaoulDuke79 Posted December 21, 2018 Share Posted December 21, 2018 I like this thread. Congrats OP. 1 Link to comment Share on other sites More sharing options...
Augie Posted December 21, 2018 Share Posted December 21, 2018 1 hour ago, NoSaint said: That certainly won’t be his tax situation after it gets revalued in the system from vacant lot in sketchy area to new house in up and coming area Haha! Aren’t You just a ray of damn sunshine! (My wife has said that to me a thousand times, so I had to use it once.) In Florida if you homestead your property taxes can only go up 2-3%/year. Some people (with bad realtors) get a shock. If the sellers have been in there 20 years, their taxes might be just $2,500, but yours might jump to $25,000!!! Link to comment Share on other sites More sharing options...
NoSaint Posted December 21, 2018 Share Posted December 21, 2018 (edited) 10 minutes ago, Augie said: Haha! Aren’t You just a ray of damn sunshine! (My wife has said that to me a thousand times, so I had to use it once.) In Florida if you homestead your property taxes can only go up 2-3%/year. Some people (with bad realtors) get a shock. If the sellers have been in there 20 years, their taxes might be just $2,500, but yours might jump to $25,000!!! Itll still be rather friendly. But not $200 a year. Kirb will get the first $75k in value tax free with the homestead exemption but we’re talking like $2k not $200 (real bar-napkin is pull the $75k if you get the exemption then it’s 1% ish) the table he was referencing reflected a $15k valuation Edited December 21, 2018 by NoSaint Link to comment Share on other sites More sharing options...
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