Yuck... I just went out for coffee (since my cream had spoiled)... and saw gas has gone up 50¢ over the month of February. $3.69 and rising.
Money Matters - Part 11
I was luck and got gas for $3.91 yesterday.
Quote from flowAjen :
I KNOW!!!!!!!!!!!!!
I may have said before, our first qualification was for 2x what we thought wise. THe bank looked at our income at that time, I suppose also that were young and might expect raises (in the 1980s) NOT that we were a young couple who might have kids and change our situation drastically.
How can that couple have any meaning full emergency savings? How about buying furniture, or repairs to an older house, or all the new doodads you need in a new house ?
The transaction of buying the house costs a couple thousand in fees etc itself, right?
Gas, ugh, just ugh. Bend over and take it. I heard last night it is due to speculation at this time. Shoulda done that oil ETF ...
AYankeeCat (Memory?), I know gas (like everything else) is always higher in the NE states. I about croaked when it hit $2 here, cannot imagine how I'll feel when it hits $4...
I was thinking the same thing Sally, wouldn't you want to build up your savings first?
Remember when gas was 99¢ and the first time it went over $1, we were all complaining then
Cheapest I saw over the weekend $3.43
gas went up yesterday to 3.79 from 3.62. DD got it @ 3.59 and when she came out of class it has jumped to 3.79. She was in class for only 1hr 40 min.
wow, that's a lot of applicants.
Lots of retail jobs around here, couple of postions if you have a cdl license
Friends of ours are working for a real estate company and they go in & "refresh" the house to get ready to sell...they are working in Philly (and the the surburbs of) 1 house was surrounded by barbed wire.... let me see if I can get a pic of one of them.....
I think they are only allowed to change it once a week here and has to be before opening
Lovely isn't it????
Sally and Jen re: buying a house. It is my understanding that 90 days active military service qualifies one for a VA loan with no money down and costs rolled into loan. No mention of length of employment or credit worthiness beyond a history of paying one's bills on time and no judgements or collections. Much easier to "qualify" for Va loan than conventional. With rates so low, even with 100% financed, their payments should be quite a bit less than "rent". With two working it would be possible to save the difference for emergencies for the next 8-12 months.!
I'm also assuming that VA loans are still assumable so if they did get into trouble there would be higher likelyhood of sale than foreclosure.
I'd be looking for a duplex or multifamily to spread out my economic base and buy less house rather than more and, I'd try for some land so as to grow my own food, and a location walkable, bikeable or near public trans as car use expenses inflate. Oh, yes, and great neighbors!
They were living with her parents so they had no rent
Wonder if they consider reserves, active duty????
VA loans are not assumable until 7 years pass. If you sell before then, you have to repay some of the upfront costs. The VA is still trying to collect from my sister... her house was foreclosed after she's had it 6 years.
We just spent $750K for a brand new soccer field for the Gitmo detainees. Are you kidding????
ARE YOU KIDDING ME??????????
ARE YOU KIDDING ME TOO?????
Jen, that place will take a LOT of refreshing!!!!!!!!!!!!
Well, with housing and interest rates bottomed out as far as we can tell, it may be risky to gamble on a house yet- could end up being good in the end, Still, people should understand that the bank will overqualify them.
Buying a rental property for investment seems like a big risk in terms of non liquidity of the funds.
Sally, I hear private investors are lining up to buy foreclosed properties off of the books of the big banks as soon as congress gives go ahead. They seem eager to assist the lenders in absorbing those "assets" on the wrong side of the lender balance sheets. I have to remember that all that profit taking/ bonuses, etc has created a huge demand for what to stash cash in. Probably just another version of the buying and selling of america, block by block, cul de sac by cul de sac! I remember years ago how shocked I was to learn how much of NYC was owned by non americans.
Just like a point being made in student loans, so, too in mortgage lending, it is more "profitable" for students or homeowners to default than to succeed and while waiting for the percentages to play out in any individual case (one third of borrowers default on student loans) there are those servicing fees to collect each month along with whatever else can be squeezed into the fine print and all backed by Fannie and Freddie and those known and unknown in league in what appears to me much more of a feeding frenzy than isolated instances of predatory lending.
I once visited a small rural village in India that appeared very poor indeed. The homes seemed more piles of rubble and disrepair than habitable. Then I was invited inside and was astounded by the beauty and care within the walls. I asked why so good inside and so falling down outside and was given this explanation by one of the elders, "We were over run so many times and our village destroyed and robbed and pillaged and we would always rebuild. And then we would be over run again. Thus it went for many many years, until we as a village decided not to repair uor walls and homes beyong that necessary to live safely in them. We did this so as not to look inviting any longer to maurading hordes in the hopes they would pass us by." They were not rich by any stretch of the imagination, but they had learned that displaying or even flaunting their relative well offness did not contribute to village existence.
Living below my means has been my best financial statedgy so far, Just hope my little old lady status or appearance won't put me in new predatory jeopardy!
The India strategy has been implicit in the midwest for years. Now I see large manions , bought with mortgages by couples who think their managment jobs will be stable forever.They can always leave it, default sell, whatever if it gets too tough. This is true everywhere now.
Military service has a lot to recommend about it. IF DD2 becomes serious about studying medicine, I'm going to suggest she should consider enlisting, if she has the stomach for possible exposure to combat. My grandfather was hired by the British to drill wells in Gallipoli in advance of the invasion. He went on the lecture circuit after WWI. War is terrible, but some people prosper amidst chaos.
Stock market has already figured in the risks associated with the European debt crisis. Italy's debt, for one is owned inside their own country. However, it is true that past performance is no guarantee for future earnings. That warning shows up on every piece of financial advice I've read.
I completely disagree, Rose. That is why the market tumbles every time there is a (completely predictable) negative development from Europe. They are in the wishful thinking mode - as they always are. Overreact positively to 'positive news', and vice versa.
Many analysts are treating that as "noise" because no one can workv very well with the huge swings that our electronic systems are permitting. Clearly, history is being written.
You know I was in Gitmo visiting my sis and family before they had any detainees....they have very nice waterfront property at Camp Xray, you think that would be enough for them
The upper management dont care if gas prices goes up. Him & his team want to ween us off gas and go to biofuels and other methods. OK done gentley and over time but - Gas goes up and so dont everything else. I cant believe this thinking. Gas goes up to say 6 bucks a gallon it would put us in termoil.
Paid $3.94 yesterday.
Good thing it's not real money...
http://finance.yahoo.com/news/fannie-asks-govt-almost-4-152028535.html
Another Best Places to Retire List.
http://www.marketwatch.com/story/10-best-places-to-retire-in-the-us-2012-02-29?dist=afterbell
Asheville, NC is the only place I'd consider
It's near the top of my list for a long time.
Maybe we'll be neighbors
I don't want to see any weird color combos. ;)
nothing I do is weird
Poor hubby. ^_^
Yep, don't expect any relief at the pump. Amazing how different the tune is now compared to four or five years ago.
http://news.yahoo.com/energy-secretary-chu-admits-administration-ok-high-gas-193900713.html
Those cities all sound nice as long as air conditioning is guaranteed!
I'm checking my US atlas for "Methodology"...must be southern...LOL
We all know this already.
http://www.cbsnews.com/8301-505144_162-57387655/inflation-not-as-low-as-you-think/
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