Ask RM a Question

[lennytheweedwhacker]

Anybody ever had an Insignia tv?

At this price i'm almost willing to take a risk - https://www.bestbuy.com/site/insignia-5 ... Id=6456970

it's their own brand. it's not that bad. i've never owned one, but that's a good deal for sure.

I'll probably move to Missouri instead.

don't invite spike over.

I wouldn't dream of it.

[JuanHamm]

Yeah the plan is to try to sell our current house by the lake which has reached 300,000 or so in value. We bought it for 177,000 so we’re gonna make a killing. Just hope there’s something we like in $180,000 range. I like this house too but my wife’s not too big on it.

Why not?

Our house is nicer. And it’s old and basement and garage aren’t great

If it's good enough for Lenny then it's good enough for her.

How nice is your current house?

[JuanHamm]

Anybody ever had an Insignia tv?

At this price i'm almost willing to take a risk - https://www.bestbuy.com/site/insignia-5 ... Id=6456970

it's their own brand. it's not that bad. i've never owned one, but that's a good deal for sure.

I'll probably move to Missouri instead.

don't invite spike over.

I wouldn't dream of it.

You're all talk. You'll be inviting him over to watch the big game on your new insignia tv in no time.

[lennytheweedwhacker]

Anybody ever had an Insignia tv?

At this price i'm almost willing to take a risk - https://www.bestbuy.com/site/insignia-5 ... Id=6456970

it's their own brand. it's not that bad. i've never owned one, but that's a good deal for sure.

I'll probably move to Missouri instead.

don't invite spike over.

I wouldn't dream of it.

You're all talk. You'll be inviting him over to watch the big game on your new insignia tv in no time.

He will be the tv stand.

[lennytheweedwhacker]

Yeah the plan is to try to sell our current house by the lake which has reached 300,000 or so in value. We bought it for 177,000 so we’re gonna make a killing. Just hope there’s something we like in $180,000 range. I like this house too but my wife’s not too big on it.

Why not?

Our house is nicer. And it’s old and basement and garage aren’t great

If it's good enough for Lenny then it's good enough for her.

How nice is your current house?

I have zero doubt that I have the worst house on RM.

[dad]

Anybody ever had an Insignia tv?

At this price i'm almost willing to take a risk - https://www.bestbuy.com/site/insignia-5 ... Id=6456970

it's their own brand. it's not that bad. i've never owned one, but that's a good deal for sure.

I'll probably move to Missouri instead.

don't invite spike over.

I wouldn't dream of it.

You're all talk. You'll be inviting him over to watch the big game on your new insignia tv in no time.

He will be the tv stand.

and he should be grateful for that.

[spike]

Anybody ever had an Insignia tv?

At this price i'm almost willing to take a risk - https://www.bestbuy.com/site/insignia-5 ... Id=6456970

it's their own brand. it's not that bad. i've never owned one, but that's a good deal for sure.

I'll probably move to Missouri instead.

don't invite spike over.

I wouldn't dream of it.

You're all talk. You'll be inviting him over to watch the big game on your new insignia tv in no time.

He will be the tv stand.

and he should be grateful for that.

at least the tv isn’t made of poop

[JuanHamm]

Anybody ever had an Insignia tv?

At this price i'm almost willing to take a risk - https://www.bestbuy.com/site/insignia-5 ... Id=6456970

it's their own brand. it's not that bad. i've never owned one, but that's a good deal for sure.

I'll probably move to Missouri instead.

don't invite spike over.

I wouldn't dream of it.

You're all talk. You'll be inviting him over to watch the big game on your new insignia tv in no time.

He will be the tv stand.

and he should be grateful for that.

at least the tv isn’t made of poop

Has that been established?

[lennytheweedwhacker]

Goodnight, guys. Love you all.

[tragabigzanda]

There is a wolf in me . . . fangs pointed for tearing gashes . . . a red tongue for raw meat . . . and the hot lapping of blood—I keep this wolf because the wilderness gave it to me and the wilderness will not let it go.

There is a fox in me . . . a silver-gray fox . . . I sniff and guess . . . I pick things out of the wind and air . . . I nose in the dark night and take sleepers and eat them and hide the feathers . . . I circle and loop and double-cross.

There is a hog in me . . . a snout and a belly . . . a machinery for eating and grunting . . . a machinery for sleeping satisfied in the sun—I got this too from the wilderness and the wilderness will not let it go.

There is a fish in me . . . I know I came from salt-blue water-gates . . . I scurried with shoals of herring . . . I blew waterspouts with porpoises . . . before land was . . . before the water went down . . . before Noah . . . before the first chapter of Genesis.

There is a baboon in me . . . clambering-clawed . . . dog-faced . . . yawping a galoot's hunger . . . hairy under the armpits . . . here are the hawk-eyed hankering men . . . here are the blonde and blue-eyed women . . . here they hide curled asleep waiting . . . ready to snarl and kill . . . ready to sing and give milk . . . waiting—I keep the baboon because the wilderness says so.

There is an eagle in me and a mockingbird . . . and the eagle flies among the Rocky Mountains of my dreams and fights among the Sierra crags of what I want . . . and the mockingbird warbles in the early forenoon before the dew is gone, warbles in the underbrush of my Chattanoogas of hope, gushes over the blue Ozark foothills of my wishes—And I got the eagle and the mockingbird from the wilderness.

O, I got a zoo, I got a menagerie, inside my ribs, under my bony head, under my red-valve heart—and I got something else: it is a man-child heart, a woman-child heart: it is a father and mother and lover: it came from God-Knows-Where: it is going to God-Knows-Where—For I am the keeper of the zoo: I say yes and no: I sing and kill and work: I am a pal of the world: I came from the wilderness.

[tree_]

Yeah the plan is to try to sell our current house by the lake which has reached 300,000 or so in value. We bought it for 177,000 so we’re gonna make a killing. Just hope there’s something we like in $180,000 range. I like this house too but my wife’s not too big on it.

How much equity in your current home and what’s the interest rate on your mortgage?

we still owe 170,000 cause we recently refinanced for a much lower interest rate. went from 4.5 down to 3.25%. The VA loan allowed me to put 0 money down. But again, if we can get 300,000 (maybe more), we pay off the house, put a large down payment on the new house and deal with a much lower monthly payment with money in the bank.

[tragabigzanda]

There is a wolf in me . . . fangs pointed for tearing gashes . . . a red tongue for raw meat . . . and the hot lapping of blood—I keep this wolf because the wilderness gave it to me and the wilderness will not let it go.

There is a fox in me . . . a silver-gray fox . . . I sniff and guess . . . I pick things out of the wind and air . . . I nose in the dark night and take sleepers and eat them and hide the feathers . . . I circle and loop and double-cross.

There is a hog in me . . . a snout and a belly . . . a machinery for eating and grunting . . . a machinery for sleeping satisfied in the sun—I got this too from the wilderness and the wilderness will not let it go.

There is a fish in me . . . I know I came from salt-blue water-gates . . . I scurried with shoals of herring . . . I blew waterspouts with porpoises . . . before land was . . . before the water went down . . . before Noah . . . before the first chapter of Genesis.

There is a baboon in me . . . clambering-clawed . . . dog-faced . . . yawping a galoot's hunger . . . hairy under the armpits . . . here are the hawk-eyed hankering men . . . here are the blonde and blue-eyed women . . . here they hide curled asleep waiting . . . ready to snarl and kill . . . ready to sing and give milk . . . waiting—I keep the baboon because the wilderness says so.

There is an eagle in me and a mockingbird . . . and the eagle flies among the Rocky Mountains of my dreams and fights among the Sierra crags of what I want . . . and the mockingbird warbles in the early forenoon before the dew is gone, warbles in the underbrush of my Chattanoogas of hope, gushes over the blue Ozark foothills of my wishes—And I got the eagle and the mockingbird from the wilderness.

O, I got a zoo, I got a menagerie, inside my ribs, under my bony head, under my red-valve heart—and I got something else: it is a man-child heart, a woman-child heart: it is a father and mother and lover: it came from God-Knows-Where: it is going to God-Knows-Where—For I am the keeper of the zoo: I say yes and no: I sing and kill and work: I am a pal of the world: I came from the wilderness.

[tree_]

Ok so on a $300K sale, you walk with $130k. Assuming 20% down on a new $200K home, you’re left with $90K in new savings. New mortgage rate is around 5.875 for a 30-year, so you’re looking at about $470/mo in mortgage, let’s call it $600 with mortgage insurance and maybe HOA dues. Plus you’re theoretically saving more each month.

I’m generally against buying a new home in this economic climate but I think you’re in a unique situation. I hope you find a place that makes the numbers work and is a step up for the family.

Yes. And don't forget the perks of VA loans. Lower interest rates and no mortgage insurance. Also, I'd want to make an even larger downpayment, making our monthly payments even lower. Saving a lot of money from paychecks each month. Plus out at the lake we're paying more in gas money and other bills. Spotty internet is 100 a month. In town it'll be around 35 for high speed. And we have yearly assessment dues. Just so many things.

[tragabigzanda]

There is a wolf in me . . . fangs pointed for tearing gashes . . . a red tongue for raw meat . . . and the hot lapping of blood—I keep this wolf because the wilderness gave it to me and the wilderness will not let it go.

There is a fox in me . . . a silver-gray fox . . . I sniff and guess . . . I pick things out of the wind and air . . . I nose in the dark night and take sleepers and eat them and hide the feathers . . . I circle and loop and double-cross.

There is a hog in me . . . a snout and a belly . . . a machinery for eating and grunting . . . a machinery for sleeping satisfied in the sun—I got this too from the wilderness and the wilderness will not let it go.

There is a fish in me . . . I know I came from salt-blue water-gates . . . I scurried with shoals of herring . . . I blew waterspouts with porpoises . . . before land was . . . before the water went down . . . before Noah . . . before the first chapter of Genesis.

There is a baboon in me . . . clambering-clawed . . . dog-faced . . . yawping a galoot's hunger . . . hairy under the armpits . . . here are the hawk-eyed hankering men . . . here are the blonde and blue-eyed women . . . here they hide curled asleep waiting . . . ready to snarl and kill . . . ready to sing and give milk . . . waiting—I keep the baboon because the wilderness says so.

There is an eagle in me and a mockingbird . . . and the eagle flies among the Rocky Mountains of my dreams and fights among the Sierra crags of what I want . . . and the mockingbird warbles in the early forenoon before the dew is gone, warbles in the underbrush of my Chattanoogas of hope, gushes over the blue Ozark foothills of my wishes—And I got the eagle and the mockingbird from the wilderness.

O, I got a zoo, I got a menagerie, inside my ribs, under my bony head, under my red-valve heart—and I got something else: it is a man-child heart, a woman-child heart: it is a father and mother and lover: it came from God-Knows-Where: it is going to God-Knows-Where—For I am the keeper of the zoo: I say yes and no: I sing and kill and work: I am a pal of the world: I came from the wilderness.

[tree_]

Yeah that stuff does sweeten the pot. Please don’t buy the House of Darkness! You guys should balance the financial returns with the QoL returns to make a really great long term play for the fam.

Ha there's no chance she will move to that town anyway. Yes, keeping all that in mind. I've never had money to play with before! Very exciting.

[tragabigzanda]

There is a wolf in me . . . fangs pointed for tearing gashes . . . a red tongue for raw meat . . . and the hot lapping of blood—I keep this wolf because the wilderness gave it to me and the wilderness will not let it go.

There is a fox in me . . . a silver-gray fox . . . I sniff and guess . . . I pick things out of the wind and air . . . I nose in the dark night and take sleepers and eat them and hide the feathers . . . I circle and loop and double-cross.

There is a hog in me . . . a snout and a belly . . . a machinery for eating and grunting . . . a machinery for sleeping satisfied in the sun—I got this too from the wilderness and the wilderness will not let it go.

There is a fish in me . . . I know I came from salt-blue water-gates . . . I scurried with shoals of herring . . . I blew waterspouts with porpoises . . . before land was . . . before the water went down . . . before Noah . . . before the first chapter of Genesis.

There is a baboon in me . . . clambering-clawed . . . dog-faced . . . yawping a galoot's hunger . . . hairy under the armpits . . . here are the hawk-eyed hankering men . . . here are the blonde and blue-eyed women . . . here they hide curled asleep waiting . . . ready to snarl and kill . . . ready to sing and give milk . . . waiting—I keep the baboon because the wilderness says so.

There is an eagle in me and a mockingbird . . . and the eagle flies among the Rocky Mountains of my dreams and fights among the Sierra crags of what I want . . . and the mockingbird warbles in the early forenoon before the dew is gone, warbles in the underbrush of my Chattanoogas of hope, gushes over the blue Ozark foothills of my wishes—And I got the eagle and the mockingbird from the wilderness.

O, I got a zoo, I got a menagerie, inside my ribs, under my bony head, under my red-valve heart—and I got something else: it is a man-child heart, a woman-child heart: it is a father and mother and lover: it came from God-Knows-Where: it is going to God-Knows-Where—For I am the keeper of the zoo: I say yes and no: I sing and kill and work: I am a pal of the world: I came from the wilderness.

[tree_]

Recession is coming and you’re the sole provider, correct? If so, I’d personally want a plan that delivers a years worth of expenses into my savings account ASAP.

She works part time. I'm the main provider. Yeah, we're going to look into the best options to accrue interest on savings. If you have any recommendations I'd appreciate it.

[tragabigzanda]

There is a wolf in me . . . fangs pointed for tearing gashes . . . a red tongue for raw meat . . . and the hot lapping of blood—I keep this wolf because the wilderness gave it to me and the wilderness will not let it go.

There is a fox in me . . . a silver-gray fox . . . I sniff and guess . . . I pick things out of the wind and air . . . I nose in the dark night and take sleepers and eat them and hide the feathers . . . I circle and loop and double-cross.

There is a hog in me . . . a snout and a belly . . . a machinery for eating and grunting . . . a machinery for sleeping satisfied in the sun—I got this too from the wilderness and the wilderness will not let it go.

There is a fish in me . . . I know I came from salt-blue water-gates . . . I scurried with shoals of herring . . . I blew waterspouts with porpoises . . . before land was . . . before the water went down . . . before Noah . . . before the first chapter of Genesis.

There is a baboon in me . . . clambering-clawed . . . dog-faced . . . yawping a galoot's hunger . . . hairy under the armpits . . . here are the hawk-eyed hankering men . . . here are the blonde and blue-eyed women . . . here they hide curled asleep waiting . . . ready to snarl and kill . . . ready to sing and give milk . . . waiting—I keep the baboon because the wilderness says so.

There is an eagle in me and a mockingbird . . . and the eagle flies among the Rocky Mountains of my dreams and fights among the Sierra crags of what I want . . . and the mockingbird warbles in the early forenoon before the dew is gone, warbles in the underbrush of my Chattanoogas of hope, gushes over the blue Ozark foothills of my wishes—And I got the eagle and the mockingbird from the wilderness.

O, I got a zoo, I got a menagerie, inside my ribs, under my bony head, under my red-valve heart—and I got something else: it is a man-child heart, a woman-child heart: it is a father and mother and lover: it came from God-Knows-Where: it is going to God-Knows-Where—For I am the keeper of the zoo: I say yes and no: I sing and kill and work: I am a pal of the world: I came from the wilderness.

[tree_]

I think we'll just buy a really nice car and a boat.

[lennytheweedwhacker]

I think we'll just buy a really nice car and a boat.

Count me in.