Most of our first time home buyers go through FHA, which is programs that allows for 3% down. And there are local incentives that can pay for most of that too..
The down payment can be daunting but it you're realistic you need about 3% of $350K..
Assuming you can make the payment.
3% down doesn't sound that bad to be honest.
Don't know what it is like over there but here FTB get priced out of new homes not only due to inflated prices but also investors being able to pay more than them, even above asking price. They then rent back the property to individuals at a monthly payment which would gave been higher than their mortgage payment had they been able to secure the property. The whole thing is wild and youngsters get trapped in a vicious cycle.
If we could sort fairness out in the property market I think a lot of social tension would vanish.
Barksdale said
Feb 14 10:55 AM, 2025
Maddog wrote:
Bring something for your eyes when you drop that baby off at school. You think you are ready. You're not..
I can't explain it, but you will feel a weird combination of sadness and pride..
Mine are all grown and repopulating the planet now but I remember all 3 times I made that walk to the car.
I'm trying not to think about it. I'm not a hugely emotional guy but I know my wife is going to bawl her eyes out...
Good to hear that your kids are doing well. You never stop being their father though and wanting to protect them though, eh?
Maddog said
Feb 14 3:12 PM, 2025
Barksdale wrote:
Maddog wrote:
Most of our first time home buyers go through FHA, which is programs that allows for 3% down. And there are local incentives that can pay for most of that too..
The down payment can be daunting but it you're realistic you need about 3% of $350K..
Assuming you can make the payment.
3% down doesn't sound that bad to be honest.
Don't know what it is like over there but here FTB get priced out of new homes not only due to inflated prices but also investors being able to pay more than them, even above asking price. They then rent back the property to individuals at a monthly payment which would gave been higher than their mortgage payment had they been able to secure the property. The whole thing is wild and youngsters get trapped in a vicious cycle.
If we could sort fairness out in the property market I think a lot of social tension would vanish.
We had a problem with institutional buyers, at least hear in Texas.
But building here is fairly simple and when demand spikes we usually can create the supply to offset it. We are still building left and right. At least half my assignments are new construction..
The crazy covid years being the exception..
Maddog said
Feb 14 3:15 PM, 2025
Barksdale wrote:
Maddog wrote:
Bring something for your eyes when you drop that baby off at school. You think you are ready. You're not..
I can't explain it, but you will feel a weird combination of sadness and pride..
Mine are all grown and repopulating the planet now but I remember all 3 times I made that walk to the car.
I'm trying not to think about it. I'm not a hugely emotional guy but I know my wife is going to bawl her eyes out...
Good to hear that your kids are doing well. You never stop being their father though and wanting to protect them though, eh?
I'm not hugely emotional either, except when it comes to my daughters..
And now those grand babies..
Barksdale said
Feb 14 5:37 PM, 2025
Maddog wrote:
Barksdale wrote:
Maddog wrote:
Bring something for your eyes when you drop that baby off at school. You think you are ready. You're not..
I can't explain it, but you will feel a weird combination of sadness and pride..
Mine are all grown and repopulating the planet now but I remember all 3 times I made that walk to the car.
I'm trying not to think about it. I'm not a hugely emotional guy but I know my wife is going to bawl her eyes out...
Good to hear that your kids are doing well. You never stop being their father though and wanting to protect them though, eh?
I'm not hugely emotional either, except when it comes to my daughters..
And now those grand babies..
Look at you grandpa!
I bet those grandkids are as spoiled as all hell by you.
Anonymous said
Feb 15 11:28 AM, 2025
Syl wrote:
To guests and Vam...you can always join the forum. It's no hardship for us to approve your posts, but sometimes you have to wait hours when neither Digs nor myself are online.
Oops - sorry, Syl! I’ve just seen this while scrolling back through this thread.
Can‘t believe it’s been 5 years since I was banned from Dogs, and you & Diggs gave me house room to guest post here while I was stuck abroad during COVID.
FWIW, I‘ll definitely finally sign up in the next couple of days
Barksdale said
Feb 15 4:49 PM, 2025
So, Elon "I'm here to save Western Civilization" Musk has had another child in secret with Conservative influencer, Ashley St Clair. Conservative Americans on Twitter appear cool with this.
This is the man America appear to have entrusted with their sensitive information. A man who takes multiple handouts from the Government, and has multiple children with multiple women. If this was a poor black bloke from Alabama I wonder what Conservatives on Twitter would be calling him....
Maddog said
Feb 15 5:36 PM, 2025
Barksdale wrote:
So, Elon "I'm here to save Western Civilization" Musk has had another child in secret with Conservative influencer, Ashley St Clair. Conservative Americans on Twitter appear cool with this.
This is the man America appear to have entrusted with their sensitive information. A man who takes multiple handouts from the Government, and has multiple children with multiple women. If this was a poor black bloke from Alabama I wonder what Conservatives on Twitter would be calling him....
He's pulled ahead of Nick Cannon (by 2 I think).
Maybe "pulled" isn't the right word in this case..
Digger said
Feb 15 11:22 PM, 2025
Vam wrote:
Syl wrote:
To guests and Vam...you can always join the forum. It's no hardship for us to approve your posts, but sometimes you have to wait hours when neither Digs nor myself are online.
Oops - sorry, Syl! I’ve just seen this while scrolling back through this thread.
Can‘t believe it’s been 5 years since I was banned from Dogs, and you & Diggs gave me house room to guest post here while I was stuck abroad during COVID.
FWIW, I‘ll definitely finally sign up in the next couple of days
Drop a post on here if you do so that I can activate you. Due to problems with Activeboard at the moment new members are confined to the Whine.
Anonymous said
Feb 16 10:32 AM, 2025
Digger wrote:
Vam wrote:
Syl wrote:
To guests and Vam...you can always join the forum. It's no hardship for us to approve your posts, but sometimes you have to wait hours when neither Digs nor myself are online.
Oops - sorry, Syl! I’ve just seen this while scrolling back through this thread.
Can‘t believe it’s been 5 years since I was banned from Dogs, and you & Diggs gave me house room to guest post here while I was stuck abroad during COVID.
FWIW, I‘ll definitely finally sign up in the next couple of days
Drop a post on here if you do so that I can activate you. Due to problems with Activeboard at the moment new members are confined to the Whine.
Done. Thanks!
(gutted I won’t be able to access the Super Sekrit Whining, tho )
Barksdale said
Feb 16 1:45 PM, 2025
Maddog wrote:
Barksdale wrote:
So, Elon "I'm here to save Western Civilization" Musk has had another child in secret with Conservative influencer, Ashley St Clair. Conservative Americans on Twitter appear cool with this.
This is the man America appear to have entrusted with their sensitive information. A man who takes multiple handouts from the Government, and has multiple children with multiple women. If this was a poor black bloke from Alabama I wonder what Conservatives on Twitter would be calling him....
He's pulled ahead of Nick Cannon (by 2 I think).
Maybe "pulled" isn't the right word in this case..
Loool - "I promise I will pull out" is the oldest trick in the book.
I see that the economic super-genius, the Argentinian president, Javier Milei who has been repeatedly hyped up by Elon Musk is now in a bit of trouble. Apparently he was involved in promoting a crypto meme coin rug pull which has been ordinary investors lose huge amounts of money while he has vastlt profited. At this point the ultra-rich as just laughing in our faces as they take everything we have. No wonder Musk wants to get to Mars along with his other billionaire mates once they have looted this planet.
Syl said
Feb 16 2:22 PM, 2025
Vam wrote:
Digger wrote:
Vam wrote:
Syl wrote:
To guests and Vam...you can always join the forum. It's no hardship for us to approve your posts, but sometimes you have to wait hours when neither Digs nor myself are online.
Oops - sorry, Syl! I’ve just seen this while scrolling back through this thread.
Can‘t believe it’s been 5 years since I was banned from Dogs, and you & Diggs gave me house room to guest post here while I was stuck abroad during COVID.
FWIW, I‘ll definitely finally sign up in the next couple of days
Drop a post on here if you do so that I can activate you. Due to problems with Activeboard at the moment new members are confined to the Whine.
Done. Thanks!
(gutted I won’t be able to access the Super Sekrit Whining, tho )
Sorry to disrupt the Elon thread...just to say, the majority of Whining has always been in done in, well...Whine.
The closed part of the forum, where members have always had access, is pretty quiet nowadays, we had too few members, so most of the new topics have been posted in this open part so guests could contribute if they wanted to.
Back to Elon....
Maddog said
Feb 16 2:31 PM, 2025
Barksdale wrote:
Maddog wrote:
Barksdale wrote:
So, Elon "I'm here to save Western Civilization" Musk has had another child in secret with Conservative influencer, Ashley St Clair. Conservative Americans on Twitter appear cool with this.
This is the man America appear to have entrusted with their sensitive information. A man who takes multiple handouts from the Government, and has multiple children with multiple women. If this was a poor black bloke from Alabama I wonder what Conservatives on Twitter would be calling him....
He's pulled ahead of Nick Cannon (by 2 I think).
Maybe "pulled" isn't the right word in this case..
Loool - "I promise I will pull out" is the oldest trick in the book.
I see that the economic super-genius, the Argentinian president, Javier Milei who has been repeatedly hyped up by Elon Musk is now in a bit of trouble. Apparently he was involved in promoting a crypto meme coin rug pull which has been ordinary investors lose huge amounts of money while he has vastlt profited. At this point the ultra-rich as just laughing in our faces as they take everything we have. No wonder Musk wants to get to Mars along with his other billionaire mates once they have looted this planet.
Milei will always be in trouble because he's bringing fiscal responsibility to a country that's never tried anything like that before.
But he is making headway in spite of the opposition so firmly entrenched in the status quo.
Vam said
Feb 16 4:36 PM, 2025
Syl wrote:
Vam wrote:
Digger wrote:
Vam wrote:
Syl wrote:
To guests and Vam...you can always join the forum. It's no hardship for us to approve your posts, but sometimes you have to wait hours when neither Digs nor myself are online.
Oops - sorry, Syl! I’ve just seen this while scrolling back through this thread.
Can‘t believe it’s been 5 years since I was banned from Dogs, and you & Diggs gave me house room to guest post here while I was stuck abroad during COVID.
FWIW, I‘ll definitely finally sign up in the next couple of days
Drop a post on here if you do so that I can activate you. Due to problems with Activeboard at the moment new members are confined to the Whine.
Done. Thanks!
(gutted I won’t be able to access the Super Sekrit Whining, tho )
Sorry to disrupt the Elon thread...just to say, the majority of Whining has always been in done in, well...Whine.
The closed part of the forum, where members have always had access, is pretty quiet nowadays, we had too few members, so most of the new topics have been posted in this open part so guests could contribute if they wanted to.
Back to Elon....
I know But I was just kidding, Syl. I remember seeing folks having a laugh about the ‘Sekrit’ members-only part of the forum.
Thanks again for having me. Not sure about the avi protocol here. Dogs used to insist on avis. If you‘d like me to have one, could you guys please choose one for me? (and please be kind! )
Vam said
Feb 16 4:40 PM, 2025
Barksdale wrote:
Maddog wrote:
Barksdale wrote:
So, Elon "I'm here to save Western Civilization" Musk has had another child in secret with Conservative influencer, Ashley St Clair. Conservative Americans on Twitter appear cool with this.
This is the man America appear to have entrusted with their sensitive information. A man who takes multiple handouts from the Government, and has multiple children with multiple women. If this was a poor black bloke from Alabama I wonder what Conservatives on Twitter would be calling him....
He's pulled ahead of Nick Cannon (by 2 I think).
Maybe "pulled" isn't the right word in this case..
Loool - "I promise I will pull out" is the oldest trick in the book.
I see that the economic super-genius, the Argentinian president, Javier Milei who has been repeatedly hyped up by Elon Musk is now in a bit of trouble. Apparently he was involved in promoting a crypto meme coin rug pull which has been ordinary investors lose huge amounts of money while he has vastlt profited. At this point the ultra-rich as just laughing in our faces as they take everything we have. No wonder Musk wants to get to Mars along with his other billionaire mates once they have looted this planet.
Milei’s batshit bed head haircut is grounds for impeachment!
Maddog said
Feb 17 5:42 PM, 2025
Barksdale wrote:
Maddog wrote:
Barksdale wrote:
So, Elon "I'm here to save Western Civilization" Musk has had another child in secret with Conservative influencer, Ashley St Clair. Conservative Americans on Twitter appear cool with this.
This is the man America appear to have entrusted with their sensitive information. A man who takes multiple handouts from the Government, and has multiple children with multiple women. If this was a poor black bloke from Alabama I wonder what Conservatives on Twitter would be calling him....
He's pulled ahead of Nick Cannon (by 2 I think).
Maybe "pulled" isn't the right word in this case..
Loool - "I promise I will pull out" is the oldest trick in the book.
I see that the economic super-genius, the Argentinian president, Javier Milei who has been repeatedly hyped up by Elon Musk is now in a bit of trouble. Apparently he was involved in promoting a crypto meme coin rug pull which has been ordinary investors lose huge amounts of money while he has vastlt profited. At this point the ultra-rich as just laughing in our faces as they take everything we have. No wonder Musk wants to get to Mars along with his other billionaire mates once they have looted this planet.
And I can't find anything suggesting he profited..He promotes a lot of Argentinian business ventures on his page as a way of promoting homegrown endeavors. This one didn't pan out..It's crypto and that's how those things go.
The folks coming for Milei are the same incompetent fools that made Argentinia the corrupt, broke, economic laughing stock of the western hemisphere, right behind Venezuela..
Barksdale said
Feb 17 6:24 PM, 2025
Maddog wrote:
And I can't find anything suggesting he profited..He promotes a lot of Argentinian business ventures on his page as a way of promoting homegrown endeavors. This one didn't pan out..It's crypto and that's how those things go.
The folks coming for Milei are the same incompetent fools that made Argentinia the corrupt, broke, economic laughing stock of the western hemisphere, right behind Venezuela..
Apparently he put out a Twitter post shortly before the launch promoting it, which is why a lot of crypto traders invested heavily. To be fair, I haven't seen the post either.
If he has promoted it knowing it is a rug pull then that's daylight robbery of ordinary investors. Crypto is obviously high risk but insider trading rigs the market.
Maddog said
Feb 17 11:22 PM, 2025
Barksdale wrote:
Maddog wrote:
And I can't find anything suggesting he profited..He promotes a lot of Argentinian business ventures on his page as a way of promoting homegrown endeavors. This one didn't pan out..It's crypto and that's how those things go.
The folks coming for Milei are the same incompetent fools that made Argentinia the corrupt, broke, economic laughing stock of the western hemisphere, right behind Venezuela..
Apparently he put out a Twitter post shortly before the launch promoting it, which is why a lot of crypto traders invested heavily. To be fair, I haven't seen the post either.
If he has promoted it knowing it is a rug pull then that's daylight robbery of ordinary investors. Crypto is obviously high risk but insider trading rigs the market.
But he "promotes" a lot of stuff. I think he realized this was probably a bad idea and deleted the post. Now, if he personally profited he's likely in trouble.
jackb said
Feb 17 11:34 PM, 2025
The cyber truck has been banned in the UK which means it will soon be banned in the rest of Europe too as we have pretty much the same safety standards.
jackb said
Feb 17 11:40 PM, 2025
Elon Musk SHOCKED as U.K. Bans Cybertruck on Roads
I think it's the ugliest dumbest looking look at me car I've ever seen!
3% down doesn't sound that bad to be honest.
Don't know what it is like over there but here FTB get priced out of new homes not only due to inflated prices but also investors being able to pay more than them, even above asking price. They then rent back the property to individuals at a monthly payment which would gave been higher than their mortgage payment had they been able to secure the property. The whole thing is wild and youngsters get trapped in a vicious cycle.
If we could sort fairness out in the property market I think a lot of social tension would vanish.
I'm trying not to think about it. I'm not a hugely emotional guy but I know my wife is going to bawl her eyes out...
Good to hear that your kids are doing well. You never stop being their father though and wanting to protect them though, eh?
We had a problem with institutional buyers, at least hear in Texas.
But building here is fairly simple and when demand spikes we usually can create the supply to offset it. We are still building left and right. At least half my assignments are new construction..
The crazy covid years being the exception..
I'm not hugely emotional either, except when it comes to my daughters..
And now those grand babies..
Look at you grandpa!
I bet those grandkids are as spoiled as all hell by you.
Can‘t believe it’s been 5 years since I was banned from Dogs, and you & Diggs gave me house room to guest post here while I was stuck abroad during COVID.
FWIW, I‘ll definitely finally sign up in the next couple of days
This is the man America appear to have entrusted with their sensitive information. A man who takes multiple handouts from the Government, and has multiple children with multiple women. If this was a poor black bloke from Alabama I wonder what Conservatives on Twitter would be calling him....
He's pulled ahead of Nick Cannon (by 2 I think).
Maybe "pulled" isn't the right word in this case..
Drop a post on here if you do so that I can activate you. Due to problems with Activeboard at the moment new members are confined to the Whine.
(gutted I won’t be able to access the Super Sekrit Whining, tho
)
Loool - "I promise I will pull out" is the oldest trick in the book.
I see that the economic super-genius, the Argentinian president, Javier Milei who has been repeatedly hyped up by Elon Musk is now in a bit of trouble. Apparently he was involved in promoting a crypto meme coin rug pull which has been ordinary investors lose huge amounts of money while he has vastlt profited. At this point the ultra-rich as just laughing in our faces as they take everything we have. No wonder Musk wants to get to Mars along with his other billionaire mates once they have looted this planet.
Sorry to disrupt the Elon thread...just to say, the majority of Whining has always been in done in, well...Whine.
The closed part of the forum, where members have always had access, is pretty quiet nowadays, we had too few members, so most of the new topics have been posted in this open part so guests could contribute if they wanted to.
Back to Elon....
Milei will always be in trouble because he's bringing fiscal responsibility to a country that's never tried anything like that before.
But he is making headway in spite of the opposition so firmly entrenched in the status quo.
I know
But I was just kidding, Syl. I remember seeing folks having a laugh about the ‘Sekrit’ members-only part of the forum.
Thanks again for having me. Not sure about the avi protocol here. Dogs used to insist on avis. If you‘d like me to have one, could you guys please choose one for me? (and please be kind!
)
Milei’s batshit bed head haircut is grounds for impeachment!
And I can't find anything suggesting he profited..He promotes a lot of Argentinian business ventures on his page as a way of promoting homegrown endeavors. This one didn't pan out..It's crypto and that's how those things go.
The folks coming for Milei are the same incompetent fools that made Argentinia the corrupt, broke, economic laughing stock of the western hemisphere, right behind Venezuela..
Apparently he put out a Twitter post shortly before the launch promoting it, which is why a lot of crypto traders invested heavily. To be fair, I haven't seen the post either.
If he has promoted it knowing it is a rug pull then that's daylight robbery of ordinary investors. Crypto is obviously high risk but insider trading rigs the market.
But he "promotes" a lot of stuff. I think he realized this was probably a bad idea and deleted the post. Now, if he personally profited he's likely in trouble.
Elon Musk SHOCKED as U.K. Bans Cybertruck on Roads
I think it's the ugliest dumbest looking look at me car I've ever seen!