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Money Talk
re: Advice on building a house? - man117
If you count the bonus stuff as living you're at $109 sqft and the ratio would be 67/33 which is close to the normal 70/30 split. So that puts you right around my range. Mind sharing some of your finishes/more detail? Obviously you built much bigger than I am so that should've helped you with pricin...


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Money Talk
re: Advice on building a house? - man117
[quote]Appraisals are one of the most puzzling things in the world to me. How recent was that appraisal? But yeah no way I'm paying that much for a spec home. [/quote] This was around March I think. She was asking 216k and we literally saw the same exact house for 187k 2-3 days before that on the...


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Money Talk
re: Advice on building a house? - man117
[quote]Do you work at home often enough to take the home office deduction? If you have a dedicated space, this might help you out come tax time.[/quote] Everyday. How much is the deduction if you own the home?...


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Money Talk
re: Advice on building a house? - man117
[quote]I would say sell the lot and buy a house in a well developed neighborhood where the prices have been set by the market not by the builder... Best way to ensure that you aren't overpaying. [/quote] The neighborhood is established I feel. I think some houses in the subdivision are as old ...


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Money Talk
re: Advice on building a house? - man117
[quote]The two things I see that are unwisely skimped on: secondary bedroom size (10x 10is too damn small to house a kid and all of his/her crap) and closets. You can never have too many closets. [/quote] I was probably going to make the 4th bedroom small :banghead:. But generally we're on the s...


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Money Talk
re: Advice on building a house? - man117
[quote] Advice on building a house? quote: don't best advice thus far. [/quote] Maybe, but I need somewhere to stay. Tired of staying in an apartment with my wife and son. Can't enjoy my hobbby. I work from home so I need a real office. The transient nature of tenants is irrita...


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Money Talk
re: Advice on building a house? - man117
[quote]$108/sf sounds seriously low end for Houma/Thib. Depending on whether you're on the north or south side of that area, you may fall into the higher wind zone ratings, and you may need upgraded windows, etc in order to meet code. [/quote] I don't know man, I shooting for around $110. My brothe...


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Money Talk
re: Advice on building a house? - man117
[quote]On number 5, it doesn't matter. I for instance consciously choose to pay more for framers, plumbers, painters and less for brickers, vinyl, and carpet. The price is what it is. Different people put different emphasis. For instance you can find a framer for $1 sqft cheaper on total. Probably s...


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Money Talk
re: Advice on building a house? - man117
[quote]1. Most builders go by total sqft on a bid. The sqft price fluctuates based on the living to nonliving ratio. We pay many trades on total sqft, so we price on that. Most are around 70/30. If you build a house with a 95/5 spilt (like a small house with no under beam porches) the sqft price wil...


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Money Talk
re: Advice on building a house? - man117
[quote]Oh one other thing about the price per square foot; it can change drastically. With the base plan I brought my builder he bid $142 sq/ft. By the time we redrew it and cleared the air on exactly what we wanted it was $108 sq/ft. This was with the same builder and the same square feet. We've st...


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Money Talk
Advice on building a house? - man117
So here's the rundown. I have a lot paid off. I want to build a 2000-2300 square foot living house in the Houma/Thibodaux area. I know that how much per square foot questions don't go over well here, but I have a dilemma. I went talk to a couple builders just to get an idea of what I could build on ...


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Money Talk
re: Fix the car or get a new one - man117
Your issues don't sound like the car is falling apart.It would be hard for me to drop the cash only to gain 50k miles. I'm in a similar situation with a 21 month old. It depends on the car. My car runs like a top (2nd owner 99 lexus with 218k) while my wife's car probably has 1-1.5 years left in it ...


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Money Talk
re: Financing a house as a 1099 (self-employed) - man117
I left my W-2 job in the middle of the year almost 2 years ago. I wanted to do 20% conventional. Chase originally told me I would have to wait 2.5 years for a loan from them because the W2's needed to be full years of self employment. I thought that was bull, so I checked around. I knew someone a...


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Money Talk
re: Do not count on a new house holding it's value and saving you money - man117
[quote]Don't work for your house---or your car either for that matter. [/quote] How am I supposed to get those things then? Do houses and cars make themselves? Does corn plant and pick itself? Does silicon just form computer chips on their own? I get that you're saying not to dedicate your life ...


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Money Talk
re: Do not count on a new house holding it's value and saving you money - man117
[quote]sleeps a lot better when the boss starts cutting the budget at work[/quote] I'll actually sleep better because I'll have that extra 20k (20% as opposed to 30%) you wanted me to put down on a 200k house as opposed to it all being tied into the house. I could pay my inflated mortgage for 20 ...


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Money Talk
re: Do not count on a new house holding it's value and saving you money - man117
[quote]This is not rocket science. Let's just assume a house keeps it value for 15 years. Let's look at the choice two very disciplined home buyers make on a $200,000 home. Both have the cash to put down $60000--30%. A--takes the leveraged route and puts down 10% ($20000) and invests the $4000...


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Tiger Rant
re: New Look Helmets - man117
It's not terrible or anything, but I very much prefer the old one. It just looks more aggressive and rough. The new one is too smooth and symmetrical. I believe Tounces was an extreme attempt at softening the logo so more women would buy gear. I'm 29 by the way. ...


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Money Talk
re: Looking to buy a lot tomorrow need advice! - man117
Thanks Newbie. I'll call my mortgage guy 1st thing in the morning. I think he does title's in house. I'll check some other places as well....


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Money Talk
re: Looking to buy a lot tomorrow need advice! - man117
[quote]Wat[/quote] I'm not sure what the "wat" is for. I'm going to talk to my mortgage guy tomorrow to get his input. I've been researching the home buying process but not land. I didn't think I could afford a lot where I plan to build and this popped up so I'm getting it. I'm just asking for so...


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Money Talk
Looking to buy a lot tomorrow need advice! - man117
So I just found residential lot that I intend to purchase tomorrow cash from an individual. He said that he'll contact a guy that he uses to sell land tomorrow and let me know when they are ready. This is my first time doing this. What is the usual process? A lawyer writes up a contract, I hand over...


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