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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: purple church building 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: self-absorbed market 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: primrose wonderful stage blood rage 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: tripping mind-boggling box office people who are hurt 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: Marvelous dead cuck fanboi 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: stimulating henna nowag lay 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: Sable territorial menage persian 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: Godawful fear-inspiring main people ladyboy 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: Bat shit crazy cracking range 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: Exciting irate useless brakes 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: hairraiser jap 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: tripping mind-boggling box office people who are hurt (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: hairraiser jap "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: nubile chestnut toilet seat (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: tripping mind-boggling box office people who are hurt 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: Multi-colored antidepressant drug weed whacker fair
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Date: May 4th, 2015 2:46 AM Author: low-t indian lodge (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: Marvelous dead cuck fanboi 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: hairraiser jap (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: nubile chestnut toilet seat (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: Sickened trust fund (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: Multi-colored antidepressant drug weed whacker (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: twinkling slippery hissy fit brunch 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: chest-beating racy dingle berry 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: electric ocher preventive strike 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: Marvelous dead cuck fanboi 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: talented seedy death wish incel (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: Sickened trust fund (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: Cruel-hearted iridescent school (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: hateful medicated forum black woman 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: Marvelous dead cuck fanboi 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: Cerise high-end resort gaming laptop 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: Rose trailer park love of her life 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: electric ocher preventive strike (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: twinkling slippery hissy fit brunch 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: Rose trailer park love of her life 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: twinkling slippery hissy fit brunch 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: Rose trailer park love of her life 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: twinkling slippery hissy fit brunch 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: Rose trailer park love of her life 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: twinkling slippery hissy fit brunch 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: Cream nibblets 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: Ruddy diverse hall 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: Cerise high-end resort gaming laptop 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: Cerise high-end resort gaming laptop 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: Unholy Feces Chapel (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: Vigorous Ultramarine Foreskin Boltzmann 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: Multi-colored antidepressant drug weed whacker (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: orange aromatic candlestick maker sweet tailpipe 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: Green school cafeteria bbw (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: chest-beating racy dingle berry (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: obsidian angry volcanic crater 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: Cerise high-end resort gaming laptop 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: hilarious orchestra pit digit ratio (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: beta erotic address roast beef 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: slap-happy senate messiness 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: Cerebral crystalline mediation 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: Razzle-dazzle awkward new version stage 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: chest-beating racy dingle berry 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: thirsty friendly grandma (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: beta erotic address roast beef 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: thirsty friendly grandma 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: Big queen of the night factory reset button 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: beta erotic address roast beef 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: thirsty friendly grandma (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: thirsty friendly grandma 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: Big queen of the night factory reset button 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: flesh rehab therapy (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: thirsty friendly grandma 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: flesh rehab therapy 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: Crusty personal credit line 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: puce genital piercing 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: Silver stubborn water buffalo ceo 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: thirsty friendly grandma (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: thirsty friendly grandma (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: Sooty passionate skinny woman 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: purple church building
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Date: May 4th, 2015 1:51 PM Author: Cerebral crystalline mediation (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: Crusty personal credit line 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: purple church building 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: Crusty personal credit line /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: purple church building 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: Crusty personal credit line 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: purple church building 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: Crusty personal credit line 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: purple church building 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: Crusty personal credit line 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: purple church building 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: Crusty personal credit line 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: Godawful fear-inspiring main people ladyboy 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: Glittery Rigor Public Bath 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) |