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With the prices of homes and property taxes today, just about everyone is house poor.

Posted By: SM on 2007-06-16
In Reply to: House poor - MIMT

It's so sad when you can't go out to dinner often, buy nice expensive things for yourself *just because*, go on lots of trips, go to sports things, see shows/concerts, etc., all because you own a house. I'd truly rather rent and ENJOY my life! :)


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At least you own property to pay taxes on -
I don't have my own pot to p__s in or window to throw it out of. I was totally depending on that refund to help pay down my gas credit cards.
Property taxes...oh my goodnes!!

Our area and I think much of the state were being reassessed this year.  The first tip was when my husband read in the paper that our particular county did an outstanding job with their assessment and should be an example for the rest of the state.  My husband called today to see when we would could be expecting our tax bill and was told they could give us the amount, did he want them too.  He told them he really wasn't sure he wanted to hear it!!   OK - this marvelous job that our county did was -------- a 60% increase.  Can you believe it?????  And we do not live in an extravagent area at all!  We have to come up with an extra $1900 in three months!  Piece of cake! 


I fear America is in for tough days ahead.  Our society in general cannot keep up with the increases that we see on every hand.  Milk - Close to $4 a gallon here.  Gas price increases - and we live 30 miles away from anything, work, church, shopping.  Cheese - $7 for a pound of cheese! 


How can we continue on this pathway when our incomes do not increase at the same rate?  Can't our congress people and senators see the predicament we are in?? 


Another issue along the same line - I'm wishing today that I was on Welfare.  If I was on Welfare, I would have no problem running to the eye doctor because I desparately need my lenses changed in my glasses which are at least three years old.  My son needs to go to the doctor for an infected, ingrown toenail - no money so he endures it.  My daughter needs a graft on the gum line of her teeth where here gumline is beginning to expose the root of the tooth - again no money for that so it won't get done.  I could go on and on - but I'm paying for all the Welfare people to go to the doctor for their sniffles.  Yes - I have insurance that we would be covered for a major medical expense, cancer, etc - but there is $3000 deductible so none of these smaller things are covered.


OK - I'm totally overwhelmed with these issues right now and I know that I am not the only one with these issues.  Thanks for the listening ear and the wonderful sounding board that you all are!!!


When you are sinking in this deep pit - it hard to remember and to comprehend that "MY GOD SHALL SUPPLY ALL YOUR NEEDS ACCORDING TO HIS RICHES IN GLORY."  I'm sure He will do that because He never fails.  I'm anxious to see how he supplies that need.


We pay property taxes in KY on car tags. (nm)
x
I am close to retirement age and got property taxes
just a few days ago, about $2,250.00- I called and asked if I got anything off when I reached another age, say 70 or so and was told in 2009 I will have reached the golden age of 65 and my taxes would be only about $800.00 per year! Good Golly Miss Molly, talk about good news! The school tax break comes through then for me. There are some good things that come with aging and this is one!
Selling house, how much taxes will I owe?
Never lived at this property, got in my name about 6 years ago, never had it appraised, the person living there before also did not. My question is how much will I owe on taxes, say on a percentage basis, according to what it sells for? How do I go about figuring this out? Thanks.
I did my taxes in February, no reason why $ shouldn't be here today
:(
House poor
I would not buy this home, and I'm not sure the bank would allow you to buy it anyway at your current incomes. Banks used to use the 28/36 formula (no more than 28% of income for house payment and 36% total for car loans, credit cards, etc.). Nowadays, they've relaxed those guidelines which could explain the skyrocketing foreclosure rate right now. As someone else posted below, babies and children in general cost lots of money, even for their most basic needs. I would try to find a smaller, older home instead.
My poor hubby, I'M the snorer in our house.
He says I'm not loud, but if I'm flat on my back, I always snore. I never did it before I gained the weight I gained over the last couple of years, so I'm hoping if I can shed some pounds, the snoring will stop.
Take animals to the Nursing Homes and Retirement Homes and Childrens Hospitals. NM
x
When our rich uncle got out of the poor house we'd be rich...sm
when we were young we'd think we'd be rich one day and it took us a while to catch on!
Oh, I use to own 2 other homes but would much rather,
live here, keeps out all the riff-raft.
too many dogs need homes.
nm
We are in a development of 100 homes
Each year we have a
Christmas Walk Around. Everyone puts a table out with beverages or goodies of some kind and we all walk around and visit. This year I am doing Oreo Truffles again because they were a big hit last time.
nursing homes
The most popular person in a nursing home is a man who still drives. He has all the widows he wants lined up.
Darling dog homes s/m

This was on Kim Komando's Cool Site of the Day.  Thought y'all would enjoy these! 



Must be nice to have 3 homes........ LOL!!
))
I know they have nursing/rehab homes that do this - sm
My mom was to go to one to get her strength back, do rehab, etc. when she was sick 2 years go--unfortunately she died before that could happen though. My dad though had requested I go up every weekend to help him out once my mom was home (4 hours away), which I would have done. In your case I think it is pretty nervy of her family to ask you to take on this huge responsibility. They should either arrange for her to go to a good nursing/rehab home to get the care she needs, or if they want her to stay with you (why can't she stay with any of them?) and hire a 24-hour nursing service to take care of her, then fine. I suspect they do not want to pay for anything (they see you as free labor), and as she has no insurance she cannot foot the bill herself. I'd lay out for them what your day is like (full schedule) and how it would be impossible for you to do your job (and keep it) and take care of your MIL at the same time. You can always see if you can go PT and tell them they have to pay you for the difference you would be losing in pay in order to take care of her properly (if you decide to do it); or you take a leave for 3 months and they pay you your full salary, see what the cheap skates say then. Good luck.
I have bought 4 homes in 4 different states

with my husband and I am an IC.  I have never been asked to get a letter from a service stating I would have work for a period of time.  Anyone you contract with, would probably not do that.  They cannot promise you anything.   WE know that.


BUT what I am asked is how long I have been in the business.  That seems to matter the most, as it should.  And when I say *over 32 years*, then there is no problem. 


If you are happy with you mortgage company and have good rates, then just explain to the loan officer how your job works and emphasize that you have been in the business for 6 years.


As an aside - the last mortgage officer knew I was self employed but when we went in with our W-2s and 1099s, he was shocked at my earnings.  He said, *Most of the time, self-employed means no income and a lot of deductions."  Make sure your mortgage company knows you make money at this and are not using it as a tax write off.


Good luck to you!  and congratulations on your new house! 


are they going to fine nice homes for them?
nm
No one maintains me, remember the 2 homes I had
I sold them for loads of $$$$$ before the housing market tanked. Made enough that I maintain myself very well, thanks.
This was not on my property...
My sister-in-law and I were both picking up our kids from dance class, and my sister-in-law was picking up this girl, too. They were playing outside by the cars. She has an appointment today, so I will probably call later and see what the doctor said.

Thanks everyone!
However, mobile homes & trailers DO have a tendency to
;D
Google can now see via street view INTO HOMES
Google Zooms In Too Close for Some
"
Jim Wilson/The New York Times

Mary Kalin-Casey and her cat, Monty, at home in Oakland, Calif. A Google map service can zoom in so closely on buildings that it has caused Ms. Kalin-Casey and others to complain to the company and on blogs.









By MIGUEL HELFT

Published: June 1, 2007


OAKLAND, Calif., May 31 — For Mary Kalin-Casey, it was never about her cat.




"

Monty the cat was visible in a photo showing a street in Oakland.


Ms. Kalin-Casey, who manages an apartment building here with her husband, John Casey, was a bit shaken when she tried a new feature in Google’s map service called Street View. She typed in her address and the screen showed a street-level view of her building. As she zoomed in, she could see Monty, her cat, sitting on a perch in the living room window of her second-floor apartment.


“The issue that I have ultimately is about where you draw the line between taking public photos and zooming in on people’s lives,” Ms. Kalin-Casey said in an interview Thursday on the front steps of the building. “The next step might be seeing books on my shelf. If the government was doing this, people would be outraged.”


Her husband quickly added, “It’s like peeping.”


Ms. Kalin-Casey first shared her concerns about the service in an e-mail message to the blog Boing Boing on Wednesday. Since then, the Web has been buzzing about the privacy implications of Street View — with varying degrees of seriousness. Several sites have been asking users to submit interesting images captured by the Google service, which offers panoramic views of miles of streets around San Francisco, New York, Las Vegas, Miami and Denver.


On a Wired magazine blog, for instance, readers can vote on the “Best Urban Images” that others find in Street View. On Thursday afternoon, a picture of two young women sunbathing in their bikinis on the Stanford campus in Palo Alto, Calif., ranked near the top. Another showed a man scaling the front gate of an apartment building in San Francisco. The caption read, “Is he breaking in or has he just locked himself out?”


Google said in a statement that it takes privacy seriously and considered the privacy implications of its service before it was introduced on Tuesday. “Street View only features imagery taken on public property,” the company said. “This imagery is no different from what any person can readily capture or see walking down the street.”


Google said that it had consulted with public service organizations and considered their feedback in developing the service, which allows users to request that a photo be removed for privacy reasons. A Google spokeswoman said the company had received few such requests.


For instance, Google worked with the Safety Net Project at the National Network to End Domestic Violence, which represents shelters for victims of domestic violence nationwide, to remove pictures of those shelters. “They reached out in advance to us so we could reach out to our network,” said Cindy Southworth, founder and director of the organization.


Not everyone believes the service raises serious privacy concerns.


“You don’t have a right to ‘privacy’ over what can be seen while driving the speed limit past your house,” wrote a Boing Boing reader, identified as Rich Gibson, in response to Ms. Kalin-Casey’s complaint. Others dismissed her as a crazy cat lady.


Edward A. Jurkevics, a principal at Chesapeake Analytics, a consulting firm specializing in mapping and imagery, said that courts have consistently ruled that people in public spaces can be photographed. “In terms of privacy, I doubt if there is much of a problem,” Mr. Jurkevics said.


Still, the issues raised by the service, thorny or merely funny, were perfect blog fodder. The hunt was on for quirky or potentially embarrassing images that could be found by wandering the virtual streets of the service.


There was the picture of a clearly identifiable man standing in front of an establishment offering lap dances and other entertainment in San Francisco. The site LaudonTech.com showed an image of a man entering a pornographic bookstore in Oakland, but his face was not visible.


Others pointed to pictures of cars whose license plates were clearly readable. One pointed to images captured inside the Brooklyn Battery Tunnel, a controversial location for photography in this high-security era. On Lombard Street in San Francisco, various tourists who had come to photograph the famously curvy street were photographed themselves.


Google said that the images had been captured by vehicles equipped with special cameras. The company took some of the photographs itself and purchased others from Immersive Media, a data provider.


“I think that this product illustrates a tension between our First Amendment right to document public spaces around us, and the privacy interests people have as they go about their day,” said Kevin Bankston, a staff lawyer at the Electronic Frontier Foundation, a digital rights group. Mr. Bankston said Google could have avoided privacy concerns by blurring people’s faces.


Back at her apartment, Ms. Kalin-Casey acknowledged that plenty of information about her — that she manages an apartment complex, that she was an Editor at the film site Reel.com — is already easily accessible through Google and other search engines.


“People’s jobs are pretty public,” she said. “But that doesn’t mean they want a shot of their sofa on Google.” She has asked Google to remove the image of her building, which was still online as of Thursday evening.


When a reporter first arrived to interview her, Monty the cat was visible in the window.


 


http://www.nytimes.com/2007/06/01/technology/01private.html?em&ex=1180843200&en=83156047690c5c2c&ei=5087%0A


Tina goes between homes in Zurich & S. France...

she was smart to do that....and she formerly had homes in London, then Germany, before locating to Zurich, and has had a home in S. France since the 80s, I think.....


She did not look like she had a total facelift to me last night....I thought perhaps a brow lift and definitely cheek implants - they are too big for her face and she looked like she had a very chubby face due to that, IMHO.....


Need help with ideas for remodeling house and decorating. We bought a house

in fair condition about 10 years ago, got into some medical problems, and have just now paid off the mortgage.  Hubby and I agreed we would do nothing to the house for remodeling because we wanted to pay it off first, then the medical bills.  I need to know of some websites/magazines/books to start researching for how to go about this.  These will be major repairs - roof, septic, basement, windows, pretty much everything except wiring.  Where do we start?  Maybe hire a general contractor just to do an evaluation and give us recommendations?  Hubby is a handyman but cant seem to get a handle on where to begin.  We would like to do as much of the work ourselves as possible - labor of love and all that...   


Thanks for any and all kind suggestions!


 


The 10% was lakefront property
as in over 6 acres, not a home there but glad he is no longer around. I do not understand about who was wrong? The money taken up front from the present realtor, I was told, was put into escrow. I am catching flack from a relative who thinks I should have the money in hand. Her son does not have a realtor selling his property and when a prospective buyer backed out, he kept their earnest money. Please explain when you say he did not do right. I have been in no hurry to sell this, do not need the money in a desperate kind of way but out of town and we are having to keep the yard maintainedm do not ever plan on living there so decided to sell.
Anyone know how to become a property appraiser? (sm)

I think I would like to do this as a side job.  Can look it up online but would like to hear firsthand if anyone has info on this and whether or not it is lucrative.


 


Thanks!


We got married on our property...
just a little ceremony with a few friends and the pastor. We have 15 lovely acres of land and were married near the barn. Everytime we walk past that spot we stop, say I do, kiss and walk on. If we ever leave here we will take some of the dirt with us as a fine memory.
What do you think of the quality of clothing today. What I looked at shopping today in nice stores
the stuff wasnt even sewn properly.  Do you have to look at everything you buy or just hope it lasts a year. 
Premarin foals and mares in desperate need of homes

If you can help or know anybody who can, please visit the below site and let people know, there are some really beautiful foals there that desperately need homes, please help.  All for the animals.


http://www.theanimalifarm.com/


I've been in homes with intercoms wired into each room.
nm
I don't know where you live, but all of our family pets are buried at their homes. SM
I truly feel for you and am actually hurting looking at this beautiful dog's picture. What a joy they are, and such a wonderful breed. I pray everything you want to do for him is a possibility. Just try to remember, the love never, ever ends. That is permanent, and nothing and no one can take that away.
Read the papers, duh! People are losing their homes
for getting into this stuff.

Goes to show, you aren't that smart. Money in bank getting interest only. Come on lady, what planet do you live on? You are full of it. You are depending on the two most unstable things in the world right now. Talk about planning.
No don’t have to sell but this property is 1 big headache
We have to go every month to cut the grass (6 acreas) and I told my sweet hubby today if something happened to me, hello, he would have to fool with all that. I have no use for it but have had since 2004 now, did not make up mind to sell until about a year ago. I told the realtor just to let me know when he got other offers..
Sold the property, finally
Well, I guess the man was wrong for wanting me to accept the $110,000. I have sold the property today for $140,000. That is a chunk more than I can now think of ways to spend- just kidding, planning on putting new flooring in, paying off most of the home where I live and paying my bills off. Hooray!!
Property I am trying to sell right on the lake
and the people around there kinda sound like you and yours. That is why I am selling!
I have sold some property, not closed on but
get this- the new "owners" have gone in (I was told they wanted to spring clean and thus the realtor gave them keys to the place to do so) and stripped the carpets that were there and also dismantled and took down part of a cabinet. The closing was to take place the first of July. I called the realtor and asked when did spring cleaning turn into renovation. One person had asked about a possible early move-in as their lease ran out today. I told realtor no moving in, nothing else done until closing. No answer from him- no emails answered, nothing. I sent him 1 yesterday saying - oh, never mind, I will check on my property myself either Thursday or Friday morning, hope I don’t find squatters there- guess what folks, now he calls late yesterday evening wanting to know can we close today. Oh, the power of persuasion. Some people really have the nerve!
My property tax rate stays low
because there are so many mansions in my town. There is a house on the market right now for $23 million, plus lots of others in the 5-10 million dollar range. What is really sickening is that these are second or even third homes for some people. But they are paying such high taxes, it really takes the burden off us little guys who live way, way, way on the other side of the tracks.
If the injury occurred on your property... sm

...and you have homeowner's insurance, it should cover any injuries that occur on your property.


However, it is unlikely that the amount the ER charged would meet your deductible unless you have it set extremely low.


It was very nice of you to offer to help. Since the girl had surgery on that finger, she obviously should have had some kind of brace or cast or something to remind her not to use that finger while playing - just so that something like this would not happen.


20/20 hindsight, huh?


Tell you father to sell the property...
buy something decent and let you stay there for free.
Until everything is settled, move in with your father.
You are definitely living in danger.
How, for heaven's sake, can your father hire sex offenders to work in your house?

Should smoking ONLY be allowed in private single family homes

March 14, 2007— Dozens packed the Belmont (California) city council chambers tonight for the first public airing of a new smoking ban proposal.


The law would give Belmont the toughest smoking ban in the nation — possibly in the world.


The crackdown aims to curb the harmful effects of second-hand smoke by preventing puffs not just in parks and around public buildings — but in private apartments and city streets as well. If the law passes, the only places left in Belmont to smoke would be single family homes and private cars.


Mayor Coralin Feierbach says the proposal was made to protect residents who suffer from health problems aggravated by smoke.The council didn't take action tonight. It's just the first of several meetings to discuss the proposal.


a doggie purse is personal property.
xoxo
That sounds strange, cars in with property but
now much do you have to pay?
I live in Kansas. Our property values
I am sorry to hear about your financial predicament. I hope things work out for you.
She lives on his property so kind of hard - sm
to call the police on him or order him off his own property, he has every legal right to be there, except for being a total nut case. I hope he wakes up and gets help, but I do not see any of this ending well.
that's what I said: Only property gathered during the marriage is divided 50/50. nm
nm
Contact a local realtor who buys homes. There are people in your area who will buy sm
buy your house if you are in foreclosure so that this doesn't happen to you. Look into it ASAP!
gas prices
$2.21 in south Miss; lowest I've seen was around holidays, down to $2.09.
Prices!!!
Where I live(S. GA) too they get out early like 6 a.m. and are through by dinner or shortly after. Some advertise, some do signs and some both, just according to how hard you are to find. I think it is important to have a price on everything! That's my pet peeve. Some people won't ask if it is not priced. Don't set your prices too high. My mother gets upset that she cannot get her money out of something, especially if she bought it at a sale. I try to tell her some money is better than none. Her regular stuff we do at yard sale, other stuff we do on Ebay. Price big items where you might go down a little bit and smaller stuff where you might be willing to deal. If you will let a dresser go for 50 put 60 on it. The fun in buying is bartering with the seller for a deal. People will buy more if you give them a deal. I say quantity over quality. We go through and put a tag on our stuff the night before. You can find garage sale stickers prepriced at an office store or somewhere like Walmart, priced from .25 to $10 with blank tabs to. You can also get color coded ones and just make a poster board and say Green dot 0.25, Red dot .75, yellow $10, etc. this saves a lot of confusion and is easier to count up. Happy sales. Offer some cookies or cupcakes, keeps kids occupied while moms shop!
Gas prices

$3.26/gallon at Sam's Club in Palm Desert, CA


Gas prices
Paying $2.75/gallon at the Kroger Store in South Texas.  Get either 10 cents or 3 cents discount which is tied to grocery purchases.  Glad to be working at home.