Damon Banner wrote:
if you can afford the crib and you think it'd be a good investment long term (for rentals, if you move out) do it.

Yes, I always wear an IUD

I think I qualify for down payment assistance programs, which require a five year residency.  And FHA loans.  Kind of compelling.  But, I've had a house before and its kind of annoying, and can be unexpectedly costly.  Also, I currently live in my studio....which I would have to give up.   I don't really like anything I shoot here anyway though.

Where do you put it?

Jess Robinson wrote:

I think I qualify for down payment assistance programs, which require a five year residency.  And FHA loans.  Kind of compelling.  But, I've had a house before and its kind of annoying, and can be unexpectedly costly.  Also, I currently live in my studio....which I would have to give up.   I don't really like anything I shoot here anyway though.

I guess I can understand that.  I don't personally own a home, but my mom owns two.  She said that the 2nd one basically just pays for itself (so no real profit on it yet). but she is always having to go tend to it = work.

I put it in my.... 

Jess Robinson wrote:
Play or don't.  I figure why not bring the internet to me.

Why/how did all the female mega pop stars of the late nineties gain 40 lbs and join reality TV shows?

I'm stuck (more or less happily) in Dallas for another 5 yrs guaranteed. I really like where I live, but considering buying a cheap house to beat the rent trap.  Bank owned?  Should I do this by myself or move in with the boyfriend?

Am I going to ride a tornado tomorrow morning? *Not a euphemism!  I hate storms.

How much longer is my car going to run?

Anyone have an IUD?  Thoughts?

Buy the house if you can.
Move in question is tough, people change when you LIVE with them.
You live in tornado ally, ice storms, thunder storms are part of the plan.
Change the oil in the car - get a mechanic "other" boyfriend - or every year save $500 to maintain the car.

Jess Robinson wrote:
Play or don't.  I figure why not bring the internet to me.

Why/how did all the female mega pop stars of the late nineties gain 40 lbs and join reality TV shows?

I'm stuck (more or less happily) in Dallas for another 5 yrs guaranteed. I really like where I live, but considering buying a cheap house to beat the rent trap.  Bank owned?  Should I do this by myself or move in with the boyfriend?

Am I going to ride a tornado tomorrow morning? *Not a euphemism!  I hate storms.

How much longer is my car going to run?

Anyone have an IUD?  Thoughts?

I guess I get to be the contrarian.

Five years is probably borderline for buying a house - in a normal market, there is a good chance that you won't make back your expenses if you need to sell in five years.  How do you feel about being a landlord (if you end up moving in five years and can't sell)?  What is the difference between what you are paying now and what you would pay for the house (including mortgage, insurance, utilities, repair, etc.)?

Oh yes - if you can't afford the house by yourself, don't buy it.  Otherwise, if you buy it as a couple and something happens to him, your expenses are going to be too much for you and you'll go bankrupt.

DougBPhoto wrote:
Sorry, I can't answer any of your questions, so I'll just say that I missed ya round these parts!!

Howdy!  I found Jesus and quit the Internet.

A S Photography wrote:

I guess I get to be the contrarian.

Five years is probably borderline for buying a house - in a normal market, there is a good chance that you won't make back your expenses if you need to sell in five years.  How do you feel about being a landlord (if you end up moving in five years and can't sell)?  What is the difference between what you are paying now and what you would pay for the house (including mortgage, insurance, utilities, repair, etc.)?

Oh yes - if you can't afford the house by yourself, don't buy it.  Otherwise, if you buy it as a couple and something happens to him, your expenses are going to be too much for you and you'll go bankrupt.

I think he'd rather buy it...he's a little queasy about letting a female do this, so I could take the easy way out and let him.  I feel like its in my financial interest to be the buyer though. Also wouldn't get in over my head...ie I could be ok on my own in terms of payment. Also not
Opposed to being a landlord.

UnoMundo wrote:

Buy the house if you can.
Move in question is tough, people change when you LIVE with them.
You live in tornado ally, ice storms, thunder storms are part of the plan.
Change the oil in the car - get a mechanic "other" boyfriend - or every year save $500 to maintain the car.

My vehicle isn't worth $500....
No tornados so far, guess I'll have to drive to work. Lame!

Jess Robinson wrote:
Play or don't.  I figure why not bring the internet to me.

Why/how did all the female mega pop stars of the late nineties gain 40 lbs and join reality TV shows?

I'm stuck (more or less happily) in Dallas for another 5 yrs guaranteed. I really like where I live, but considering buying a cheap house to beat the rent trap.  Bank owned?  Should I do this by myself or move in with the boyfriend?

Am I going to ride a tornado tomorrow morning? *Not a euphemism!  I hate storms.

How much longer is my car going to run?

Anyone have an IUD?  Thoughts?

All women from the late 90s have now gained 40 pounds after having 2.4 kids and no longer working out. It's called "getting old". Its something you can look forward to.

If you are worrying about your car staying alive, you're not in the financial position to buy a house.

If you are "stuck in Dallas", you shouldn't be looking to buy in Dallas, anyway. When you buy, it should be where you WANT to live.

So, don't buy a house and don't buy it with your boyfriend. If you buy it together, you are then too intertwined to go your own separate ways. If you buy with someone, buy with your husband.

I don't have an IUD but I have thoughts, if that helps. I guess it's better have a IUD than a IED or a STD.

ArtisticPhotography wrote:

All women from the late 90s have now gained 40 pounds after having 2.4 kids and no longer working out. It's called "getting old". Its something you can look forward to.

If you are worrying about your car staying alive, you're not in the financial position to buy a house.

If you are "stuck in Dallas", you shouldn't be looking to buy in Dallas, anyway. When you buy, it should be where you WANT to live.

So, don't buy a house and don't buy it with your boyfriend. If you buy it together, you are then too intertwined to go your own separate ways. If you buy with someone, buy with your husband.

I don't have an IUD but I have thoughts, if that helps. I guess it's better have a IUD than a IED or a STD.

It's unlikely that I'll have much choice about where I live, maybe ever, due to career choices.  It is likely that I will be moving in five yr and then again in another two. Re car/house...I won't buy a new car until the one I'm driving stops performing the way I want my car to perform...that is, gets me from A to B and back again.

So marry him first? Apartment? I feel like getting an apartment now is a waste of
Time financially and more costly than a mortgage by about 100%.

Jess Robinson wrote:
Play or don't.  I figure why not bring the internet to me.

First of all...welcome back, you have been missed!

Jess Robinson wrote:
Why/how did all the female mega pop stars of the late nineties gain 40 lbs and join reality TV shows?

Because they are human and that's what happens to the majority of people in reality
And once their 15 minutes of fame faded, they did not feel the burning glare of the spotlight to maintain their unreasonable image and let it slide, then it just got away from them. But then they got sad they were not "Somebody" so they are trying to regain their spot in the sunshine again.
But they usually just look silly

Jess Robinson wrote:
I'm stuck (more or less happily) in Dallas for another 5 yrs guaranteed. I really like where I live, but considering buying a cheap house to beat the rent trap.  Bank owned?  Should I do this by myself or move in with the boyfriend?

You are too hot to not have someone foot the bill for you
Have your boy buy a house, and not a craptastic house either
You are of a certain status that you can make reasonable demands that should be met.
Bank your own money separate and apart. Now if you want to use your own money to buy investment property, that's a different story.
But for where you live? He should be footing that bill

Jess Robinson wrote:
Am I going to ride a tornado tomorrow morning? *Not a euphemism!  I hate storms.

No
Now as a euphemism...yes

Jess Robinson wrote:
How much longer is my car going to run?

3 years
You should upgrade every 3 years anyway
So depending on when you got it, you should probably be looking for a new vehicle

Jess Robinson wrote:
Anyone have an IUD?  Thoughts?

No but I've been with many women that have
I find them to be problematic
Cause when you hit the cervix they poke into the penis
And scrape it up or irritate it

Personally I have found that at times they are unusable because of the pain to me the male partner

They are a nice idea, but don't always function so well in the real world

Jess Robinson wrote:
Play or don't.  I figure why not bring the internet to me.

OK

Why/how did all the female mega pop stars of the late nineties gain 40 lbs and join reality TV shows?

They  have nothing meaningful to do.

I'm stuck (more or less happily) in Dallas for another 5 yrs guaranteed. I really like where I live, but considering buying a cheap house to beat the rent trap.  Bank owned?  Should I do this by myself or move in with the boyfriend?

With boyfriend - no (I mean buying, living is OK lol); With a life partner, tough to say. Why would you settle in Dallas, though?
Five years and two years sound like science grad studies and post-doc. Grad students don't buy houses...

Am I going to ride a tornado tomorrow morning? *Not a euphemism!  I hate storms.

Literally not, figuratively it is up to you

How much longer is my car going to run?

Less than you think Or at least be ready for that.

Anyone have an IUD?  Thoughts?

"If ain't broken, don't fix it"

MKPhoto wrote:

Jess Robinson wrote:
Play or don't.  I figure why not bring the internet to me.

OK

Why/how did all the female mega pop stars of the late nineties gain 40 lbs and join reality TV shows?

They  have nothing meaningful to do.

I'm stuck (more or less happily) in Dallas for another 5 yrs guaranteed. I really like where I live, but considering buying a cheap house to beat the rent trap.  Bank owned?  Should I do this by myself or move in with the boyfriend?

With boyfriend - no (I mean buying, living is OK lol); With a life partner, tough to say. Why would you settle in Dallas, though?
Five years and two years sound like science grad studies and post-doc. Grad students don't buy houses...

Am I going to ride a tornado tomorrow morning? *Not a euphemism!  I hate storms.

Literally not, figuratively it is up to you

How much longer is my car going to run?

Less than you think Or at least be ready for that.

Anyone have an IUD?  Thoughts?

"If ain't broken, don't fix it"

Seriously though...national television...don't want to shape up a little?

Yes, grad school.  Living w bf in a rental is like 1500/mo vs a mortgage on an equivalent property is like 900.  So, yes, as a regular grad student on my own I wouldnt buy a house, but as an older student with a really nice side job and someone to split costs with...? Tempting.  Also I'm increasingly liking Carl's point about just letting someone take care of it. I've always been a fiercely 50/50 girlfriend though.

Also, Carl, are you serious about the pokiness? Holy shit!

Jess Robinson wrote:
Seriously though...national television...don't want to shape up a little?

Yes, grad school.  Living w bf in a rental is like 1500/mo vs a mortgage on an equivalent property is like 900.  So, yes, as a regular grad student on my own I wouldnt buy a house, but as an older student with a really nice side job and someone to split costs with...? Tempting.  Also I'm increasingly liking Carl's point about just letting someone take care of it. I've always been a fiercely 50/50 girlfriend though.

Also, Carl, are you serious about the pokiness? Holy shit!

get your maths right.
House is not only a mortgage, add maintenance cost,insurances,taxes,utilities bills to the equation. You may have done it already.

Anyone have an IUD?  Thoughts?

"If ain't broken, don't fix it"

Seriously though...national television...don't want to shape up a little?

..I don't watch national television. Any problems with IUDs?

The housing part, scrymettet and Carl have points..After you add management cost to taxes, electricity, insurance, upkeep...you will close on 1,500 and...either can sell at the end of 5 years or become a landlord by necessity.

scrymettet wrote:

get your maths right.
House is not only a mortgage, add maintenance cost,insurances,taxes,utilities bills to the equation. You may have done it already.

. Yes this is PITI, utilities will be a little extra and the big number is Maintenence.

Jess Robinson wrote:
Also, Carl, are you serious about the pokiness? Holy shit!

Yes serious...
Like bleeding when done problematic

Depends on the bodies of the parties involved of course
But I have personal experience with someone that it did not work so well with

Jess Robinson wrote:
Also I'm increasingly liking Carl's point about just letting someone take care of it. I've always been a fiercely 50/50 girlfriend though.

That's all well and good if you are girlfriend pretty

You are at a different level

You need to be treated as such

Jess Robinson wrote:

. Yes this is PITI, utilities will be a little extra and the big number is Maintenence.

before committing to long time debt, you have to do some homework by adding the numbers.
Will you stay in that area after you finish school ?
How is the real estate market around ?

UnoMundo wrote:
Time for a shotgun wedding Jess.

I could load some buckshot and take you both down to the church.

I think he might go for the buckshot.

In other recent news, no tornadoes or hail this morning.  Stupid sensationalist news.

RE house etc....I have no affinity for the idea of home ownership.  I do prefer to make the best financial decisions I can, and I don't want to be the dummy that paid rent when she could have come out better with a house.  Plus the whole credit boost and all. 

To this point and Carl's on 'gf pretty'...I'm not exactly a spring chicken, its time to start making adult decisions.

Erin Holmes wrote:
I absolutely love my IUD! I haven't had a period since the day it was inserted, AWESOME. One problem though, it can sometimes poke (and hurt) anything, anyone going in there.

Hmm.  So you can really feel it?  So if I were having a sex marathon this could be as problematic if not worse than any other kind of physical birth control. 

Damn.  ohfortwo.  There goes my brilliant solution to not have any babies while not using rubbers or hormones.

Jess Robinson wrote:

Hmm.  So you can really feel it?  So if I were having a sex marathon this could be as problematic if not worse than any other kind of physical birth control. 

Damn.  ohfortwo.  There goes my brilliant solution to not have any babies while not using rubbers or hormones.

I'm so old school. Also, lazy. Condoms ftw. I don't even remember to take my allergy medication, let alone BC pills. IUDs always sort of gave me the heeby jeebies. *shudder* I know it's ridiculous, but I can't stand the thought of anything just hanging out in my uterus for an indeterminate length of time.

Becks wrote:



I'm so old school. Also, lazy. Condoms ftw. I don't even remember to take my allergy medication, let alone BC pills. IUDs always sort of gave me the heeby jeebies. *shudder* I know it's ridiculous, but I can't stand the thought of anything just hanging out in my uterus for an indeterminate length of time.

It's so elegant in its simplicity though...a tiny little piece of copper changes the environment just enough that it's slightly hostile to sperm without hijacking your entire reproductive system.

Jess Robinson wrote:
It's so elegant in its simplicity though...a tiny little piece of copper changes the environment just enough that it's slightly hostile to sperm without hijacking your entire reproductive system.

I've got some copper plumbing fittings laying around the house .....

ArtisticPhotography wrote:

I've got some copper plumbing fittings laying around the house .....

Do you think those would be more or less pokey?

Factoid...before the IUD there was an old wive's tale about sticking a penny in your pussy.

Jess Robinson wrote:

Do you think those would be more or less pokey?

Factoid...before the IUD there was an old wive's tale about sticking a penny in your pussy.

I bet the cat fucking bated that wives tale

Jess Robinson wrote:
To this point and Carl's on 'gf pretty'...I'm not exactly a spring chicken, its time to start making adult decisions.

Lalalalala (Puts fingers in ears)

I refuse to listen to this...
You are Jess...frigging...Robinson!

You will never age!

Jess Robinson wrote:
There goes my brilliant solution to not have any babies while not using rubbers or hormones.

There is an option that guarantees you can have sex without having to use rubbers or hormones and will guarantee you won't get pregnant...





Anal

Jess Robinson wrote:
RE house etc....I have no affinity for the idea of home ownership.  I do prefer to make the best financial decisions I can, and I don't want to be the dummy that paid rent when she could have come out better with a house.  Plus the whole credit boost and all.

It's a sellers market, which means there is a lack of good inventory, but prices should be rising.

A newer condo that is like a motel room could be good for you.  Just move in, move out when you feel like it with very little cleaning assuming you keep it in stellar condition and don't have a bad pet.  in a popular area with great walkscore you could rent it fairly easy especially if the building or complex has an ongoing type of services that help back that.

Things to consider.  FHA 3-5% downpayment.  Inspection, closing costs, Fees such as HOA.  etc.  All the things your agent and mortgage broker should tell you. 

If you are a no hassle person, getting a fixer, bank owned, etc is going to be hard work for you.  There are many professional vultures who scoop the best deals. I also put several thousand in repair work on my houses when I bought.

Good luck. Renting builds no equity, but if you do it right you can bank money.  Too bad most people never do.

Jess Robinson wrote:
are you serious about the pokiness? Holy shit!

I might think about having junk reduction surgery if I was your bf

Or endure... or be aware of depth. There has to be a solution.

Carl Roberts wrote:

There is an option that guarantees you can have sex without having to use rubbers or hormones and will guarantee you won't get pregnant...

Anal

No guarantee there, skippy - fluids flow. As it were.