Honestly you should wait until your husband finishes schooling and is able to hand steady work. Opportunities change with new careers and you may need to be in a different area.
When I was looking, my non-negotiables were 1) no termites on the pest inspection, 2) no wallpaper or shaggy carpet from the 1970s that I'd have to replace, and 3) roof, furnace, water heater, AC (if present) need to have at least half of their lifespan remaining.
Thank you for the thorough explanation this is very useful for me. Is this only done in the private sector? I like the idea of fieldwork because I am a very energetic person who likes labor.
Heckkkk no. That's over 50% of your monthly income. It's recommended to be no more than 36% of your monthly income. PLUS we don't know if the 10k is before or after taxes/deductions.
I was never interested in hard rock geology (mineralogy, petrology), I was more into hydrogeology. Three weeks mapping in scorching heat in the middle of nowhere with mosquitos and gnats biting you is not something I would voluntarily want to do ever again.
I work in hydrogeology and I am regularly in the field. Are you working as a numerical groundwater modeller? Otherwise I am surprised you can work in hydrogeology and not be involved in field work, at least at the start of your career.
You know your property taxes help pay for the maintenance of your utility infrastructure, local schools, police and fire departments, local government, etc.?
Could you elaborate? Why not? (I mean, as a non-geologist, it doesn't look great, but I'm curious what specifically comes to your mind when you see this.)
I see the balcony coming down (probably within the 30-year term of the mortgage), then the hill slope will creep closer and closer to the house itself. The slope doesn't need to erode the foundation directly beneath the house, it just needs to be close enough to the foundation (less than 5 feet) where it creates an unsafe bearing capacity for the overlying load. Which to simplify, means the house becomes too heavy for the soil beneath it to support. Unless you spend big money to build a retaining wall, that house will eventually be red-tagged or come crumbling down during a heavy rain event.
I'd do the front half concrete (hardscape) and the back half grass. Maybe some trees / palms / plants along the wall
Yes, that's what I plan to do. I'm just asking how to start the grass portion.
You haven't even heard the other songs on the album yet. How could you possibly determine that this "will be your favorite"? Smh
I didn't see any mention of PSLF in the Bible... 🤔
Honestly you should wait until your husband finishes schooling and is able to hand steady work. Opportunities change with new careers and you may need to be in a different area.
Yup. Agree with this
What are hire ups?
That's the biggest crime of this post 😂
When I was looking, my non-negotiables were 1) no termites on the pest inspection, 2) no wallpaper or shaggy carpet from the 1970s that I'd have to replace, and 3) roof, furnace, water heater, AC (if present) need to have at least half of their lifespan remaining.
Perhaps they saw the house before it was listed. Realtors have access to pre-listed homes.
Can realtors show houses that aren’t listed yet?
Yes
Thank you for the thorough explanation this is very useful for me. Is this only done in the private sector? I like the idea of fieldwork because I am a very energetic person who likes labor.
"Very energetic person who likes labor." Spoken exactly like someone who hasn't been in the workforce yet 😜
If you plan to stay in the house long-term, it doesn't matter if it appreciates or not.
Long term 10 years 20 years can you share your perspective??
I would say at least 10 years
Wtf
Gotta love PG&E, those slimy bastards
If you're not anywhere near 50% of your monthly net pay, it's usually not a problem.
You can always cancel your current contract, lose your EMD, and contract one of the cheaper houses.
I got a BA in Earth Sciences and it hasn't stopped me from being employed or getting registered as a PG.
Did employers ask you about what courses you took? How hard was it getting the PG without certain geology courses?
Yes employers did ask which courses I took.
It honestly doesn't look that bad
Wow, finally some accountability shown on a Wednesday. Newsom shows that he has some backbone.
When and where!?!?
Central Valley, my annual premium is around $1,000
Damn, you got some mileage on that 30.
Definitely shop. 7.1% was what I was looking at, ended up going with a new build, VA loan through their lender, got 4.99%. Closing next Friday
You can't compare financing for new builds with financing for pre-existing homes 🤦♂️
Heckkkk no. That's over 50% of your monthly income. It's recommended to be no more than 36% of your monthly income. PLUS we don't know if the 10k is before or after taxes/deductions.
OP said $10k after taxes
Guest speakers, thin sections (if you have the budget for it), student presentations on topics, field trips
I’m interested to know why didn’t you enjoy your field work?
I was never interested in hard rock geology (mineralogy, petrology), I was more into hydrogeology. Three weeks mapping in scorching heat in the middle of nowhere with mosquitos and gnats biting you is not something I would voluntarily want to do ever again.
I work in hydrogeology and I am regularly in the field. Are you working as a numerical groundwater modeller? Otherwise I am surprised you can work in hydrogeology and not be involved in field work, at least at the start of your career.
My post was referring to my field camp experience while I was still in school. Field work for my job is much more enjoyable.
You know your property taxes help pay for the maintenance of your utility infrastructure, local schools, police and fire departments, local government, etc.?
As a geologist, I wouldn't go anywhere near this.
Could you elaborate? Why not? (I mean, as a non-geologist, it doesn't look great, but I'm curious what specifically comes to your mind when you see this.)
I see the balcony coming down (probably within the 30-year term of the mortgage), then the hill slope will creep closer and closer to the house itself. The slope doesn't need to erode the foundation directly beneath the house, it just needs to be close enough to the foundation (less than 5 feet) where it creates an unsafe bearing capacity for the overlying load. Which to simplify, means the house becomes too heavy for the soil beneath it to support. Unless you spend big money to build a retaining wall, that house will eventually be red-tagged or come crumbling down during a heavy rain event.
Naca.com is posting 5.25 for first time low income home buyers who qualify through their programs
I looked into it, their requirements are nuts
[удалено]
"Touch grass" as the kids say nowadays
Or they can just go look up a video of grass and it’ll be the same thing.
Sounds like OP watches and does a lot of things by themselves and thinks it's the same experience...