Crunk Times, My friend.....Crunk Times

[UndercoverPunk 5,000+ posts]

I'd **** me hard.

 

[tapout 5,000+ posts]

I guess I can clear things up....none of the post was sarcasm. I really don't know.
This is what I do:

1) I am a financial anaylst for the department of defense

2) I trade stock options (but not anymore since "Stock Trading" sites are now blocked)

3) I work at Lowe's as a head cashier.

Do I need all those incomes? No. I work hard so I don't have to manage my money. It's pretty ironic that I am a well trained money manager but I have no idea where my money goes. I think I can afford this house on $42k. I don't know though. I am trying to create statement but I don't know what to estimate bills to be.

---------------------------

I majored in finance in college. I know how to calculate PMT on a loan. I know how to work the equations. What I don't know is all the bills that come with a house. There is quite a bit of difference working them out in real life than on paper.

I can think of these:

1) Telephone

2) Electricity

3) Water

4) Insurance

5) Taxes

6) Cable

7) Internet

What else bills come with the house? I don't know. My parents don't really want to fool with me and tell me to not worry about it.

I really don't have much of a clue on what a single person pays for utilties. I know what my family pays. Most of my friends live at home or with their wife or girlfriend. They live in different places with different taxes/tastes/etc.

It's hard to budget for an electric bill when you have no idea how much it costs. My friend said electricity is about $80/month and maybe $30/month for water. We are just guessing though. I guess I need to call the electric company to find out.

I talked to a real estate agent today who is a customer at Lowe's. He said to expect to spend about 3% of the purchase price on closing costs. That was some valuable information. No one will tell me that in my family because either they don't know or don't care.

According to the real estate agent, I make too much money to qualify for a lot of the programs for first time buyers. There are some though.

#4 and 5 are the killers. do some serious research on these. Check on the taxes in that town for land of your size. When that bill comes once a year it is bitch.

 

[tapout 5,000+ posts]

find out what your millage rate is. For example, a property with an assessed value of US$ 50,000 located in a municipality with a mill rate of 20 mills would have a property tax bill of $ 1,000.00 per year.

 

[bdawson72 5,000+ posts]

Would you **** me?

nope

I guess I can clear things up....none of the post was sarcasm. I really don't know.
This is what I do:

1) I am a financial anaylst for the department of defense

2) I trade stock options (but not anymore since "Stock Trading" sites are now blocked)

3) I work at Lowe's as a head cashier.

Do I need all those incomes? No. I work hard so I don't have to manage my money. It's pretty ironic that I am a well trained money manager but I have no idea where my money goes. I think I can afford this house on $42k. I don't know though. I am trying to create statement but I don't know what to estimate bills to be.

---------------------------

I majored in finance in college. I know how to calculate PMT on a loan. I know how to work the equations. What I don't know is all the bills that come with a house. There is quite a bit of difference working them out in real life than on paper.

I can think of these:

1) Telephone

2) Electricity

3) Water

4) Insurance

5) Taxes

6) Cable

7) Internet

What else bills come with the house? I don't know. My parents don't really want to fool with me and tell me to not worry about it.

I really don't have much of a clue on what a single person pays for utilties. I know what my family pays. Most of my friends live at home or with their wife or girlfriend. They live in different places with different taxes/tastes/etc.

It's hard to budget for an electric bill when you have no idea how much it costs. My friend said electricity is about $80/month and maybe $30/month for water. We are just guessing though. I guess I need to call the electric company to find out.

I talked to a real estate agent today who is a customer at Lowe's. He said to expect to spend about 3% of the purchase price on closing costs. That was some valuable information. No one will tell me that in my family because either they don't know or don't care.

According to the real estate agent, I make too much money to qualify for a lot of the programs for first time buyers. There are some though.

I forsee myself going through the same thing in roughly 6-8 years //content.invisioncic.com/y282845/emoticons/crap.gif.7f4dd41e3e9b23fbd170a1ee6f65cecc.gif

 

[bdawson72 5,000+ posts]

Well, chances are that I will ask you a million questions if you ever get on aim again

 

[Prowler573 5,000+ posts]

I wouldn't f**k Jason but I'm not into guys.

Who was it that came out publicly here?

Talk to him, UCP - maybe you'll get a bite there.

 

[bdawson72 5,000+ posts]

Whoa prowlah, we are having a intelligent conversation for once //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

 

[bdawson72 5,000+ posts]

I am on the downstairs computer now...
When my brother bought a computer his wireless internet took over my wireless internet. I think he rigged it because I am not knowing enough to fix it.

I will get on soon.

Smart Kid. Lol

 

[tapout 5,000+ posts]

How do you find the assessed value and millage rate? County tax assesor?

a house has to be appraised before you buy it. and the tax assesor should know the millage rate.

 

[UndercoverPunk 5,000+ posts]

No thanks Jon.

 

[bdawson72 5,000+ posts]

Ahhhh

 

[Prowler573 5,000+ posts]

An intelligent conversation on CA.com?

Liar.

I don't believe it.

 

[tapout 5,000+ posts]

another thing is...

will the house be total electric. that means higher electric bills but no gas bill.

 

[Prowler573 5,000+ posts]

All-electric is okay if the house is very well insulated.

If there is any question at all about the quality and/or level of insulation you're going to want gas heating in the winter or it will eat you alive in electric bills...

 

[bdawson72 5,000+ posts]

An intelligent conversation on CA.com?Liar.

I don't believe it.

//content.invisioncic.com/y282845/emoticons/graduate.gif.d982460be9f153bb54e5d4cb744f6ae8.gif

another thing is...
will the house be total electric. that means higher electric bills but no gas bill.

//content.invisioncic.com/y282845/emoticons/crap.gif.7f4dd41e3e9b23fbd170a1ee6f65cecc.gif