stm25rs Posted January 26, 2021 Share Posted January 26, 2021 (edited) The really crazy part is, for houses with public water, we're on the Baltimore City system, but we actually pay less than people in the City do. (Also, our public water is super cheap... Our bill is like $20-30 per quarter AFTER a rate increase.) Are you on a septic tank or sewer line? My water bill is around 70-80/month! I think the big crunch point we'll be looking at with houses is finding a big enough lot that's close enough to the city. Edited January 26, 2021 by stm25rs Link to comment Share on other sites More sharing options...
stm25rs Posted January 26, 2021 Share Posted January 26, 2021 That's kind of my thought. I am doing 20% down with cash. The lender and realtor both said it's fine, but extremely rare, and nothing to be concerned about. I don't particularly trust either though. Just did a quick Google and apparently banks have been doing a lot of appraisal waivers since covid started, particularly for situations high down payments, excellent credit buyers, etc. Link to comment Share on other sites More sharing options...
laz Posted January 26, 2021 Share Posted January 26, 2021 Just did a quick Google and apparently banks have been doing a lot of appraisal waivers since covid started, particularly for situations high down payments, excellent credit buyers, etc. Oh, that may be it and makes sense. --- Link to comment Share on other sites More sharing options...
I Donated thefultonhow Posted January 26, 2021 I Donated Share Posted January 26, 2021 Are you on a septic tank or sewer line? My water bill is around 70-80/month! Sewer. I'm telling you, it's cheaper in the county. Might have something to do with the agreement the city water system has with the county. My understanding is the County gets to use the system because we have the reservoirs, and the agreement is decades old. I think the big crunch point we'll be looking at with houses is finding a big enough lot that's close enough to the city. How close do you need to be? That's one of the reasons houses in my parents' neighborhood are going for so much... ~1 acre wooded lots, public water, inside the Beltway and right off I-83. They're nice enough houses, but even across Towson on smaller lots they'd be going for maybe half what they're going for in my parents' neighborhood. We can be downtown in half an hour not during rush hour, but we're way up 795. For my parents, it's more like 15 minutes. Of course, a lot of jobs are in the business zones around the Beltway at this point (or between Baltimore and DC)... so I get the impression that "close to the city" is more of an issue for the finance types that work in the skyscrapers next to the harbor these days. Link to comment Share on other sites More sharing options...
Dishwasher Posted January 26, 2021 Share Posted January 26, 2021 Appraisers and inspectors have different jobs. They are not interchangeable. Definitely true, different job functions and motivations with some overlap. Brought to you by Pfizer Link to comment Share on other sites More sharing options...
jasejase Posted January 26, 2021 Share Posted January 26, 2021 Appraisers are usually in and out within 5 minutes. Link to comment Share on other sites More sharing options...
Dishwasher Posted January 26, 2021 Share Posted January 26, 2021 Appraisers are usually in and out within 5 minutes. Yup, a good home inspector is there for hours. Climbing around crawl spaces and attics, licking all of the electrical outlets to make sure they work okay. etc. Brought to you by Pfizer Link to comment Share on other sites More sharing options...
stm25rs Posted January 26, 2021 Share Posted January 26, 2021 How close do you need to be? I get the impression that "close to the city" is more of an issue for the finance types that work in the skyscrapers next to the harbor these days. Our main reason for wanting to be close to the city is for bars/restaurants/concerts, would like to be within 30 minutes non rush hour. But I've also seen the same pricing you noticed with your parents house. Close to 83 is a big factor but the 95N or 795 corridors seem cheaper for comparable houses She'll probably be changing jobs/leaving Hopkins before we buy so where she ends up will be a factor too. I'll most likely be staying in sales, working from home and my car, so I'm flexible. She works in healthcare administration which, thanks to covid, has so far shifted to mostly work from home, but not sure how long that will last. Link to comment Share on other sites More sharing options...
jasejase Posted January 26, 2021 Share Posted January 26, 2021 Yup, a good home inspector is there for hours. Climbing around crawl spaces and attics, licking all of the electrical outlets to make sure they work okay. etc. I used the inspectors report for years after we bought our house, as a master guide of shit I wanted to do. He was amazing. Link to comment Share on other sites More sharing options...
laz Posted January 27, 2021 Share Posted January 27, 2021 Appraisers are usually in and out within 5 minutes. That’s what she said? --- Link to comment Share on other sites More sharing options...
I Donated thefultonhow Posted January 27, 2021 I Donated Share Posted January 27, 2021 I used the inspectors report for years after we bought our house, as a master guide of shit I wanted to do. He was amazing.I still haven't done some of the shit that was on mine, 7.5 years later. [emoji38] Link to comment Share on other sites More sharing options...
jasejase Posted January 27, 2021 Share Posted January 27, 2021 I have a spread Sheet of sorts. Link to comment Share on other sites More sharing options...
I Donated thefultonhow Posted January 27, 2021 I Donated Share Posted January 27, 2021 I'm sure you do. Link to comment Share on other sites More sharing options...
jasejase Posted January 27, 2021 Share Posted January 27, 2021 Different kind of sheet spreading than your mom is accustomed to. Link to comment Share on other sites More sharing options...
laz Posted January 27, 2021 Share Posted January 27, 2021 Oh snap! --- Link to comment Share on other sites More sharing options...
stm25rs Posted January 27, 2021 Share Posted January 27, 2021 Can't stop. Won't stop. Gamestop. Link to comment Share on other sites More sharing options...
Dishwasher Posted January 27, 2021 Share Posted January 27, 2021 Can't stop. Won't stop. Gamestop. Why the **** is everyone talking about the Blockbuster of video games? Brought to you by Pfizer Link to comment Share on other sites More sharing options...
stm25rs Posted January 27, 2021 Share Posted January 27, 2021 It's complicated. A couple things. It is shorted 140%. Lookup volkswagen short squeeze from 2008. Could happen here. Aside from that, Ryan Cohen, co-founder of Chewy, bought big into Gamestop awhile ago, around 15% ownership. Last week it was announced he and a couple Chewy alums were being added to Gamestop's board. Gamestop can stay relevant and grow by shifting to an ecommerce centric model, and having the guy that built up Chewy certainly helps that case. His board announcement triggered the current growth, and is creating the pressure that could cause a bigly short squeeze. Also, memes. Link to comment Share on other sites More sharing options...
laz Posted January 28, 2021 Share Posted January 28, 2021 Why the **** is everyone talking about the Blockbuster of video games? The power of Reddit. --- Link to comment Share on other sites More sharing options...
ammcinnis Posted January 28, 2021 Author Share Posted January 28, 2021 (edited) Why the **** is everyone talking about the Blockbuster of video games? See attachment. Note that the time scale is in days, not years; the entire graph spans barely two weeks! "[The market] can remain irrational longer than you can remain solvent." ~ John Maynard Keynes Edited January 28, 2021 by ammcinnis "If you don't know where you're going, any road will take you there." ~ The Cheshire Cat (Alice in Wonderland) Link to comment Share on other sites More sharing options...
jasejase Posted January 28, 2021 Share Posted January 28, 2021 https://www.google.com/amp/s/www.cnet.com/google-amp/news/reddit-and-elon-musk-sparked-a-gamestop-stock-surge-why-amc-and-blackberry-are-next/ Link to comment Share on other sites More sharing options...
laz Posted January 28, 2021 Share Posted January 28, 2021 Good video about what’s happening with GameStop and Reddit and shorts. --- Link to comment Share on other sites More sharing options...
jasejase Posted January 28, 2021 Share Posted January 28, 2021 Red beast? That you? Link to comment Share on other sites More sharing options...
I Donated thefultonhow Posted January 28, 2021 I Donated Share Posted January 28, 2021 Red beast? That you?All caps not found Link to comment Share on other sites More sharing options...
jasejase Posted January 28, 2021 Share Posted January 28, 2021 lol Link to comment Share on other sites More sharing options...
Recommended Posts
Create an account or sign in to comment
You need to be a member in order to leave a comment
Create an account
Sign up for a new account in our community. It's easy!
Register a new accountSign in
Already have an account? Sign in here.
Sign In Now