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job insecurity makes it impossible to buy a house :-/
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Date: May 2nd, 2015 12:45 AM Author: Titillating frisky hall rigor house we want is 500k with 20k per year taxes (westchester). pretty conservative and starter homey for the area, but with good schools, a yard, and all yay for baby dude.
but so what we have 75k to put down and i currently make 200k. i'm probably out of this next year. the year after. i still have 60k student debt and i'm the sole salary. what can i bank on after this job's gone? 150k? 100? nothing? it's all such a crapshoot, which does not sit well with risk averse me :-/
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Date: May 2nd, 2015 10:30 PM Author: provocative disturbing hell it's pronounced "babby" (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27810141) |
Date: May 2nd, 2015 12:49 AM Author: Cerebral mauve kitchen cuck also get married or start a family (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27805618) |
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Date: May 2nd, 2015 1:00 PM Author: Poppy telephone genital piercing wow what a tax rape (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27807120) |
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Date: May 2nd, 2015 4:44 PM Author: Indecent rehab yeah how the fuck does that work? that's worse than even Texas (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27808419) |
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Date: May 3rd, 2015 10:11 AM Author: Wild crawly principal's office Plenty of areas (not statewide) in the NE are worse than texas. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27812125) |
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Date: May 3rd, 2015 3:31 PM Author: Erotic theater stage boistinker I thought taxes were cheap in texas. Or is that just state income tax? (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27813268) |
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Date: May 5th, 2015 12:49 PM Author: burgundy boltzmann There is no income tax. Property taxes are worse than average. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27826854) |
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Date: May 2nd, 2015 1:01 PM Author: hairraiser milky hominid move to are country (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27807127) |
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Date: May 2nd, 2015 1:01 PM Author: idiotic diverse casino should have gone to pod school (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27807129) |
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Date: May 2nd, 2015 4:29 PM Author: boyish hairless public bath fanboi Boomers don't get this because they are retarded. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27808346) |
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Date: May 2nd, 2015 4:38 PM Author: Poppy telephone genital piercing (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27808382) |
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Date: May 2nd, 2015 4:41 PM Author: boyish hairless public bath fanboi "WHY WON'T THEY BUY OUR HOUSES? IS IT BECAUSE THEY ARE MAN CHILDREN"
Fuck no. It is because you saddled us up with debt so even if we land a good job, it is in a high COL area and our actual lifestyle is SPS. Then you gave us no fucking job security or partnership prospects. Fuck you. I hope you choke on your own cock, you goddamned narcissist. |
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Date: May 2nd, 2015 4:47 PM Author: Sadistic Insane School (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27808445) |
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Date: May 2nd, 2015 4:49 PM Author: Poppy telephone genital piercing It's also the fact that they are making the norm "job hop every two years" to get a solid raise/more responsibility/move up in general because they refuse to fucking RETIRE
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Date: May 3rd, 2015 11:05 AM Author: thirsty jade pisswyrm haunted graveyard fair
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Date: May 4th, 2015 2:46 AM Author: charismatic soggy gaming laptop queen of the night (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27817574) |
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Date: May 2nd, 2015 4:43 PM Author: Indecent rehab that's the sacrifice you make with a stay at home wife bro. what did you expect? (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27808417) |
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Date: May 2nd, 2015 4:44 PM Author: boyish hairless public bath fanboi (millennial fisting himself for boomers' pleasure) (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27808418) |
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Date: May 2nd, 2015 4:47 PM Author: Sadistic Insane School (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27808444) |
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Date: May 2nd, 2015 7:43 PM Author: Contagious filthpig (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809249) |
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Date: May 3rd, 2015 11:06 AM Author: thirsty jade pisswyrm haunted graveyard (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27812218) |
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Date: May 2nd, 2015 4:54 PM Author: Exhilarant police squad god ur such a fucking faggo (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27808483) |
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Date: May 2nd, 2015 10:21 PM Author: Light painfully honest newt legend Posters are mad here but you're right. It really is basic math. One guy with an insecure $200kish job (that he knows isn't going to last) with a person earning 0 is going to have a real problem being able to commit on a 30 year mortgage to a house costing $500k + 2k/month in taxes (an amount that will increase with time), plus caring for all the costs associated with a kid. Basic common freakin' sense. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27810086) |
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Date: May 2nd, 2015 4:55 PM Author: Elite Aqua Candlestick Maker Chapel Wealthy chinese and financial institutions are keeping prices up intentionally. They want to make us a nation of renters again. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27808485) |
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Date: May 2nd, 2015 4:58 PM Author: Indecent rehab it's weird that this doesn't get more coverage given how paranoid we were of the jap landowner bubble in the late 80s. this is the same thing but actually happening. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27808501) |
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Date: May 2nd, 2015 7:24 PM Author: embarrassed to the bone school cafeteria multi-billionaire (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809116) |
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Date: May 2nd, 2015 7:43 PM Author: Contagious filthpig (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809253) |
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Date: May 2nd, 2015 10:28 PM Author: Yellow sound barrier (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27810129) |
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Date: May 3rd, 2015 10:18 AM Author: Passionate goyim It's because no one has the attention span to follow something capable of explaining it. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27812133) |
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Date: May 5th, 2015 3:33 PM Author: Indecent rehab that's the thing though, it's not hard to explain and it's something that we *already* freaked out about decades ago. it wasn't something that only smart people knew about, my prole dad talked about how nuts everyone was back then about japs taking over the western US. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27827705) |
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Date: May 2nd, 2015 6:52 PM Author: lime elastic band Just do food truck, bro (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27808986) |
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Date: May 2nd, 2015 6:55 PM Author: metal confused macaca cr
I feel like my fate is to be a wandering mercenary for the rest of my life. No sense in planting roots, starting a family, etc |
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Date: May 2nd, 2015 7:09 PM Author: Elite Aqua Candlestick Maker Chapel (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809042) |
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Date: May 2nd, 2015 6:59 PM Author: Exhilarant police squad It's liberating, dude.
I can live my life and just do what I want. I rent, maybe I will buy a cheap place, who knows, but I don't feel like it's really all that important. Soooo many people will not be able to buy and many of those who can buy are in TTTTTT areas.
We're going to be a generation where dating for decades, new GFs, no kids, no house will be maybe not the norm, but not some social outcast.
It's liberating. I do my job, pursue hobbies, just live. Fuck whatever else. |
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Date: May 2nd, 2015 7:02 PM Author: metal confused macaca It should be liberating, but it isn't really. It just feels sort of empty and pointless (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809015) |
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Date: May 2nd, 2015 7:05 PM Author: Exhilarant police squad Literally everything is in our minds. You can re-conceptualize a lot of shit, man.
I plan to do my job, make some cash, get into more socially beneficial stuff. Date, maybe marry a woman who doesn't want kids. I have my own personal passions. Who cares? |
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Date: May 2nd, 2015 7:08 PM Author: metal confused macaca I don't know, I just find it hard to be passionate about anything these days (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809037) |
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Date: May 2nd, 2015 7:11 PM Author: Exhilarant police squad SSRIs bro (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809048) |
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Date: May 2nd, 2015 7:16 PM Author: metal confused macaca Started Wellbutrin over a week ago (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809077) |
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Date: May 2nd, 2015 7:17 PM Author: Exhilarant police squad it takes time. been on for a year. trust me. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809082) |
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Date: May 4th, 2015 2:23 AM Author: Ivory ape If it's so liberating why are you on antidepressants? (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27817475) |
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Date: May 4th, 2015 1:45 PM Author: Zombie-like Dopamine Plaza He just needs them until he is finished "reconceptualizing" everything (I.e. brainwashing himself). (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27819663) |
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Date: May 2nd, 2015 7:21 PM Author: lime elastic band Buy a cooler; ask a local busy store if you can pay them some money (mom and pop types are more likely to say yes) to sit out front all day and sell people hot dogs or some other meat. You can just get a grill and stand there grilling all day, taking meat out of a cooler and putting it on the grill as people buy.
Save up your money, then buy a food truck.
This is literally what I did, you can check my threads in the past few days for proof. |
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Date: May 2nd, 2015 7:25 PM Author: lime elastic band Keep buns or bread nearby; you can sit on the cooler instead of buying a chair, which is how I did it.
It will take a while till you become really profitable, but sell drinks too. Also, you have no idea how many people just buy grilled meat all over the place. Have some kind of attraction to your grill- I welded a pullup bar on mine so I did pullups all day, which gained a lot of attention. |
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Date: May 2nd, 2015 7:33 PM Author: bateful pearly karate (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809180) |
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Date: May 2nd, 2015 7:33 PM Author: odious crusty mad-dog skullcap spot 180 (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809187) |
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Date: May 3rd, 2015 11:30 AM Author: thirsty jade pisswyrm haunted graveyard (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27812289) |
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Date: May 2nd, 2015 7:30 PM Author: mahogany library You cannot afford a stay at home wife. At least, not for a while. Look, staying at home with the kids is wonderful if you can afford it, but its a luxury. If you cant even buy a decent house (btw I totally agree you cannot afford the financial risk) then you have to rethink the sahm thing. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809164) |
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Date: May 2nd, 2015 7:45 PM Author: Onyx judgmental parlor associate (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809265) |
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Date: May 2nd, 2015 9:16 PM Author: Light painfully honest newt legend (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809676) |
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Date: May 2nd, 2015 7:41 PM Author: heady peach indian lodge sandwich That's what I was going to say. It sounds like two incomes would be helpful for your family. If you have smart genes, I think kids turn out better with less involved parents anyway. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809243) |
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Date: May 2nd, 2015 7:48 PM Author: lime elastic band Nope, dead wrong. I did extensive research on this issue back in my sandwich days (even if you sell 40 sandwiches in one day, you are still sitting around most of the time) and more parental involvement is best, if it's the right kind. |
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Date: May 4th, 2015 2:16 AM Author: turquoise bawdyhouse faggot firefighter (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27817456) |
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Date: May 2nd, 2015 7:56 PM Author: Misanthropic Big-titted Site Make biglaw market and spend less than $50k a year for a decade or so and do what you want. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809328) |
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Date: May 2nd, 2015 8:05 PM Author: talented nighttime resort half-breed My $210k house in the Phoenix area just jumped up to $1.2k a year for property taxes. Feeling much better about it now, thanks. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809382) |
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Date: May 4th, 2015 1:51 PM Author: Razzle becky toaster WESTSIDE! (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27819705) |
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Date: May 2nd, 2015 8:08 PM Author: lascivious cuckold You have to buy multifamily and in the hood if you want to buy anywhere in the NY metro area. Basically East NY or bust. If you want to live with actual white people -- forget it. I have no problem doing this. Any area that has already gentrified is just ridiculous. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809396) |
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Date: May 2nd, 2015 9:18 PM Author: Light painfully honest newt legend Generally right, except the limitation to E NY is way too narrow. Also, you really should focus on houses that need reno work. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27809695) |
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Date: May 3rd, 2015 9:39 AM Author: clear national (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27812060) |
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Date: May 3rd, 2015 10:06 AM Author: Misanthropic Big-titted Site How would $6k not be manageable on $40k a month?
Even on $20k it would be totally doable.
Now if you are paying $40k per kid for school, maybe not, but how much can you really spend. |
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Date: May 3rd, 2015 10:18 AM Author: clear national Yeah, well that's before taxes and 401k contributions and counting our bonuses. Our monthly take home is something like 20k. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27812132) |
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Date: May 3rd, 2015 10:07 AM Author: 180 territorial center Seems kinda silly to be wedded to a job bc you want a nicer house. How many kids do you have? (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27812120) |
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Date: May 3rd, 2015 10:09 AM Author: Misanthropic Big-titted Site Now a days you have to be willing to sell anything you buy. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27812122) |
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Date: May 3rd, 2015 10:17 AM Author: clear national (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27812130) |
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Date: May 3rd, 2015 10:26 AM Author: clear national To me it seems like if we are going to bust out asses in these tough jobs in the city we should be able to live in a nice house. I'm not going to bust my ass to live like a working class person would in my hometown. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27812148) |
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Date: May 3rd, 2015 11:40 AM Author: 180 territorial center What is the utility of living in a marginally nicer house with say 1000 more sq ft? Is it worth delaying retirement or working an extra 15 hours per week until retirement? Wouldn't you rather spend those hours with your future children? (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27812315) |
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Date: May 3rd, 2015 12:40 PM Author: Costumed office (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27812481) |
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Date: May 3rd, 2015 3:28 PM Author: clear national so have a crappy standard of living for the next 30 years so that I can retire a few years early? I'd be thrilled to move out to a low COL area but the market for me and my wife's practice areas is in the big city. Also don't know if I could handle interacting with the simple folk and having my biggest excitement be going to church or Walmart. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27813256) |
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Date: May 4th, 2015 1:48 PM Author: Costumed office you completely missed the point about marginal utility (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27819684) |
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Date: May 5th, 2015 12:40 PM Author: Pungent brilliant people who are hurt potus there can be an enormous difference at the margin between an 1800 sq ft house and a 2800 sq ft house. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27826813) |
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Date: May 3rd, 2015 9:54 AM Author: dashing circlehead Just throw up a yurt in an abandoned lot like this tranny and live for free off the grid.
http://chicagoist.com/2015/04/29/yesterday_the_chicago_reader_posted.php |
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Date: May 3rd, 2015 10:03 AM Author: Galvanic glassy dysfunction You can get condos for like $85,000 in Dartmouth NS... I was thinking about copping one, paying it off in a few years, and then selling it to finance a full fledged house. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27812110) |
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Date: May 3rd, 2015 10:56 AM Author: clear national (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27812202) |
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Date: May 3rd, 2015 11:11 AM Author: clear national (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27812233) |
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Date: May 3rd, 2015 12:46 PM Author: coral box office old irish cottage OP is a fool for allowing his wife to stay home and not work. You make $200k in the NYC area which isn't much money...tell her to get a job and stop being a liability. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27812507) |
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Date: May 4th, 2015 12:32 AM Author: Titillating frisky hall rigor
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Date: May 4th, 2015 1:51 PM Author: Razzle becky toaster (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27819713) |
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Date: May 5th, 2015 12:41 PM Author: Pungent brilliant people who are hurt potus wtf, where in westchester are you buying a $500k that has $20k in taxes? i was looking at one in chappaqua at like $1.3m that had taxes of $28k.
please tell me you are not looking at fucking pelham. that's the only one i can think of with taxes that high. |
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Date: May 5th, 2015 2:08 PM Author: Titillating frisky hall rigor mount vernon/white plains.
hopefully i can grieve them cause the market's bottomed out. we care more about house/space/yard than neighborhood. admittedly neighborhood in mount vernon is pretty awful/boring. but it's safe and we could swing the one excellent school district plus really nice house for about 450k.
tempting. but still terrifying. |
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Date: May 5th, 2015 2:11 PM Author: Pungent brilliant people who are hurt potus /flame (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27827313) |
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Date: May 5th, 2015 2:16 PM Author: Titillating frisky hall rigor not even a little bit of flame. here's the house we went to see last weekend. gorgeous home, decent condition (though we'd upgrade over time if we could). great elementary schools but we'd have to go private for mid/high school. considering time on the market, $450k is not unrealistic sales price. exactly 20k in property taxes, but dating from when it sold for 600k in 2004, so guessing odds it could be grieved are decent.
http://www.realtor.com/realestateandhomes-detail/23-Oakland-Ave_Mount-Vernon_NY_10552_M44518-39701 |
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Date: May 5th, 2015 2:21 PM Author: Pungent brilliant people who are hurt potus brother i apologize, i actually had no idea the taxes were as high as they are in mt. vernon as i NEVER look there.
you'd be crazy to buy there. taxes are actually a lot lower for the house value in many other westchester towns.
have you looked at CT, or is that too long of a commute? |
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Date: May 5th, 2015 3:12 PM Author: Titillating frisky hall rigor too long a commute and for a whole long story of reasons, we have to stay in ny, so jersey's not an option either.
that said, totally willing to expand search based on criteria of 1) at least elementary school has to be decent, giving us some time to stay/build equity 2) no more than 500,000 for 4 bedrooms + decent backyard in good condition [only must-haves home, wise, though house above is very close to our ideal], if we can still get a decent yard and 3 bedrooms for 250-300, that quickly sounds a lot better 3) no more than 1 hour into grand central by public transport. 4) has to be at least decent odds that it's a good buy that will appreciate in next 5-10 years. |
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Date: May 5th, 2015 3:18 PM Author: Pungent brilliant people who are hurt potus off the top of my head, try the following:
1. White Plains
2. Croton-Harmon (it's far, but you're on the train lines and they run express from Croton-Harmon)
3. Ossining
4. Port Chester
5. Eastchester (though budget may be an issue)
Anything cheaper and your're gonna be looking (i) in a shit school system, (ii) between the train lines with a long drive to the train, or (iii) too far on the train (i.e. Putnam County). |
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Date: May 5th, 2015 3:28 PM Author: Titillating frisky hall rigor ty. hadn't looked at any of these but east chester and white plains
really we'd like to have as much land and be as out of the city as possible while still being reasonably close to city. |
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Date: May 5th, 2015 3:30 PM Author: Pungent brilliant people who are hurt potus yw.
another place to look is northern new rochelle where the elementary schools are good, but unfortunately $500k is a really low budget for lower westchester. at like $750k+ your options start to improve a lot. |
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Date: May 5th, 2015 3:40 PM Author: Titillating frisky hall rigor yeah, 500k is our absolute max for reasons mentioned above. mount vernon is 40 min into the city. and the houses are admittedly awesome. beautiful tree line streets. i don't know why it gets such a bad rap, honestly. i mean, it's a lot more boring than white plains. but we have zero interest in city being interesting. just want safe and lots of home/yard for the money.
can't imagine that part of westchester that is the quickest commute into nyc won't eventually drastically appreciate. especially with homes like that. |
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Date: May 5th, 2015 3:42 PM Author: Pungent brilliant people who are hurt potus the schools are shit and the taxes are high. avoid mt. vernon at all costs. seriously. you're even better off in yonkers imo. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27827759) |
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Date: May 5th, 2015 12:47 PM Author: burgundy boltzmann Boring flame (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27826847) |
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Date: May 5th, 2015 2:32 PM Author: Ruby Startling Factory Reset Button Really Tough Guy lol @ those taxes. you should be planning your exit strategy to are country instead of doubling down on MFH burbs. (http://www.autoadmit.com/thread.php?thread_id=2869616&forum_id=2#27827401) |