Posts Tagged ‘house’
Filed under: house
I have been keeping an eye on mortgage news and rates; they are really fluctuating at the moment. They were lower a bit ago but they have gone up. I have hope that they will drop again soon! I am figuring that about the time I am ready to purchase a house they will have already dropped. That is my hope anyway. I was also wondering about all of you who are up for remortgages, does the rate drop help you guys or not? I am still keeping an eye on a property that is close by, but have yet to contact the owner. The property keeps dropping in price, which is good because even with its past price drops it is still too highly priced. Thinking about it though, it would be a good starter, but it is not my dream house. That is kind of a surprise. I thought it was pretty nice but after sitting here thinking about how I want to describe it and its location I find my mind wandering to some other houses that I know of that I really like. Maybe I will not worry about that one house, although if it dropped to a halfway reasonable price I might be interested in it.
One type of house that I would be really interested in is a yacht. You don’t get all the land like you do when you buy property but with a nice yacht you can certainly see more land. Of course I would need a crew with the yacht, I am not interested in trying to run everything myself. I would want some people to take care of that. They probably wouldn’t be too hard to find. I loved being out at sea and the idea of living on a boat has always appealed to me. Although the house boat concept hasn’t every really grabbed me. Many of them look neat but I get the feeling like you are living on a static block over liquid land. If I had a houseboat it would need to be moveable, otherwise I don’t see the point.
Tags: boat, house, life on water, mortgage
Filed under: Uncategorized
Still thinking about properties and realized there is more that I would have to worry about. I would have to consider home insurance if I bought a place. Well, probably not consider it, I would have to get it. I think it is a good idea in practice but I have heard good and bad about the insurance companies. I think it really depends on the company and the relationship you have with your agent.
Not to completely change the subject but thinking about insurance makes me realize I need to look into insurance brokers. I need to look into different types of available insurance. I do have some insurance coverage, like car and stuff but probably need to get other things like life and property. Insurance can be a good thing to have. Although, the last time I had to use the car insurance they bit me. If I had known what a pain it would be to my pocket book in premiums later I would have just paid for the dents to be fixed myself. It was only like a few hundred off the deductible, but I didn’t know what claiming the stuff would do to my rates at the time. I ended up paying a lot more in the long run than I would have by just fixing everything myself. The company was nice otherwise, and quick, so I can’t really complain about them but I wish they hadn’t told me it wouldn’t affect my rates when it would. I learned that if something is not explicitly not your fault then you are probably going to see raised rates. Even if it was nobody’s fault or partially your fault. In my cause it had been nobody’s fault. It was depressing later, and I ended up changing companies. I did consider staying or going back to the company I had but I just couldn’t get over being told my rates weren’t going up when they did. I ended up changing to the ones I have now and I am fairly happy with them so far.
Tags: boat, car, house, insurance, rental
Filed under: Hmmm
If you’ve been reading for a bit you know that I have been thinking of getting a house but was unsure and still am unsure about the market. However, for others who might be looking to sell instead of buy I came across this sell and rent back thing online. It looks like it is mostly for the UK and I am not sure if they have it in every country, but they probably do as it sounds like a good idea and both sides would be able to profit from it so chances are good you will be able to find it in your country if you look around. Heck, I didn’t check in depth but they might even work in other countries. I haven’t looked in depth into it but from what I can see it looks fairly interesting and if you were having issues or just needed to get out from under your place quickly it might work for you. Supposedly you can buy your place back after you get back on your feet, although I didn’t really see much about that there. However, what I did see could help a lot of people who just needed some time and didn’t want to uproot their family.
I tend to keep an eye on the property markets in various places and look around online to learn as much about purchasing a place as I can, I am all for being an informed consumer as I truly think that is the only way to go. If you don’t know much about what you are buying then you really better know and trust somebody who does. Otherwise you are just asking for trouble. There is really a lot of information out there if you look. One thing that I find very helpful here is the credit unions; they often have special programs they offer to you specifically on buying a house. If you look around you can also normally find free classes, like at your local library, on purchasing a house in these times.
Tags: house, housing, no move, rent back, sell
Filed under: Hmmm
Introducing a pet to a new place is always fun, or at least challenging. You don’t know if the pet will react well to the new environment and you don’t know if the new environment will be good for the pet or if there was something you missed when you were pet proofing it. It is fun, but there is no doubt about it being challenging also, now that I think about it.
Depending on the type of pet you have introducing it to a new environment can range from fairly easy to really difficult. Dogs are one of the easier ones I think, but then I don’t have a dog so that is probably why. What would you have to protect against with a dog; chewing, slobber, pulling or digging, noise level and toilet training. Alright, maybe dog wouldn’t be one of the easier pets to deal with. How about a goldfish? That should be pretty easy as it is a confined environment and the goldfish normally don’t wander around much. Plus they are pretty easy to deal with if you have them in a small bowl.
What about the cat, that all important kitty. They are masters of their domain, at least that is often how they act. What do you have to deal with when you introduce a cat to a new environment? Much the same as with a dog I think. You have to worry about chewing, scratching, hair balls, toilet training and, well, slobbering not so much. A cat might actually be easier to introduce to a new environment than a dog. That is of course also heavily influenced by the individual animal, but in general it might be easier to introduce a cat to a new place or a new family than a dog.
Tags: cat, dog, house, new home, Pet
Filed under: Hmmm
I’ve had a few different friends who bought some property a while ago and now wish they hadn’t. One not to long ago and another that bought property a couple of years ago. Both, though, still are trying to get rid of them. Although, right now it can be challenging to sell property. It is really a buyers market, but I think it will be getting to be more and more of a buyers market for a little bit. That is a good thing if you are a buyer, not so good if you are like my friends.
One of them was able to sell their property but had to do it at a loss. Actually thinking about it I’ve known about two or three people in the last few years that had to, or chose to do that. Personally, if I had property I would seriously consider renting at the moment. Trying to sell would be no fun, although there are places and people that are still buying or looking to buy. I want to say that if you are selling, just make sure you get a good deal, but that is hard to do in the current market when every buyer is dear and you might wait months between them. It is a difficult situation that many owners find themselves in. It always fluctuates though, if you didn’t overextend yourself you might be in a good situation. Either way, if you can somehow wait through things I think they will be getting better. My friends wish they didn’t have to wait.
Again, if I had it I think I would be looking for renters. There are a lot of people looking for a place to live right now and renting might be a good supplemental income. My friends didn’t like that idea though, they didn’t want to deal with renters. Of course many renters don’t want to deal with landlords so it works out. There are many horror stories on both sides. I think it would be ok, you just have to get them to give their firstborn as a hostage to their behavior. That was a joke. However, I still like the idea of renting.
Tags: house, housing, property, rent, renters, selling property
