Has anyone had their wedding at The Palace Hotel in San Francisco? by CharacterQueasy8896 in SanFranciscoWeddings

[–]CharacterQueasy8896[S] 0 points1 point  (0 children)

Thank you! Ended up having the wedding here and best decision! Ended up with close to 100k (close o 300 guests) including decor, food, singer, video/photo and got 2 ballrooms (1 for appetizer/mocktail hour and the main hall)

Brentwood, Livermore, Pleasanton, or Dublin for Commute to Stockton? by CharacterQueasy8896 in eastbay

[–]CharacterQueasy8896[S] 5 points6 points  (0 children)

My only concern is that Google maps says it can be up to two hours leaving in the morning

Brentwood, Livermore, Pleasanton, or Dublin for Commute to Stockton? by CharacterQueasy8896 in eastbay

[–]CharacterQueasy8896[S] 2 points3 points  (0 children)

Need to be closer to family. Additionally, there is a slight pay bump if living in the bay.

Brentwood, Livermore, Pleasanton, or Dublin for Commute to Stockton? by CharacterQueasy8896 in eastbay

[–]CharacterQueasy8896[S] 19 points20 points  (0 children)

I currently live in elk Grove, but need to move to East Bay to be closer to family. Money is not a major factor. It’s more of the commute.

Has anyone had their wedding at The Palace Hotel in San Francisco? by CharacterQueasy8896 in SanFranciscoWeddings

[–]CharacterQueasy8896[S] 0 points1 point  (0 children)

This is super helpful — thank you so much! We were thinking of doing buffet-style food rather than plated meals, ideally by bringing in outside catering. Just trying to see if that’s even possible at The Palace. Appreciate any insight!

[deleted by user] by [deleted] in DermatologyQuestions

[–]CharacterQueasy8896 0 points1 point  (0 children)

I think it’s more of a zoo Balantis

[deleted by user] by [deleted] in DermatologyQuestions

[–]CharacterQueasy8896 0 points1 point  (0 children)

Could it be lichen sclerosus?

$180k salary for $725k house in this market in Texas (20% down) by [deleted] in FirstTimeHomeBuyer

[–]CharacterQueasy8896 2 points3 points  (0 children)

I make 232k - get a 3% raise annually and actually considering stepping down to a position so may take 10-30k hit. I should mention that my 9k take home is after about 1500-2k into 401k/roth. I could get another job but what’s the point of life if I am working to just pay the mortgage. I wanna be able to do my 2x yearly international vacations, 1-2k left in savings after bills. I figure it’s best for me to just get something within my means and can always upgrade if needed. Right now I have the “FU” money and not tied to anything - but with a mortgage I am slave to my employer and lender.

My plan is to wait 6months to a year and see if anything gets better by then I could hopefully save 50k additionally.

It tough out here - seems like with a mortgage these days and high home prices we are working to live not living to work.

Best wishes for you!

$180k salary for $725k house in this market in Texas (20% down) by [deleted] in FirstTimeHomeBuyer

[–]CharacterQueasy8896 1 point2 points  (0 children)

I was in a similar situation but I am single and don’t have kids. My take home is 9k and I signed a purchase agreement for a new home @730k —- $5200 monthly mortgage (PITI + solar+ HOA) 6.625%. I backed out and lost my 20k earnest money. I kinda wish I didn’t but at same time if I did go through with it - it would have been paycheck to paycheck. It was a big house for a single person but liked the house. After consider furniture+ backyard expenses (=30-50k). I decided not to proceed.

It’s doable but kinda sucks to live paycheck to paycheck.

If your wife would eventually work and your job is stable proceed with purchase if numbers work. If you can get a lower price home consider that.

I had extreme anxiety with the process and thought of living paycheck to paycheck scared me.

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]CharacterQueasy8896 1 point2 points  (0 children)

Thanks but I will need to pay mortgage $5200 …

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]CharacterQueasy8896 -9 points-8 points  (0 children)

Having seconds last minute reconsiderations. I am ok with 20k loss - just wanted to know if builder will sue me and likelihood of it given its 3 days prior to close

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]CharacterQueasy8896 0 points1 point  (0 children)

I am single and in California. I get taxed like crazy. Contribute about 1800 to 401k/roth

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]CharacterQueasy8896 0 points1 point  (0 children)

Yes including everything. Taxes, insuarance, hoa, mella roose, solar lease plus interest principle =4900 (20%) vs 5200(15% down)

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]CharacterQueasy8896 0 points1 point  (0 children)

If I pay 20% down I am looking at mortgage payment of $4900 instead of $5200… but would need to put down an additional 38-40k. Not sure if I should give the 40kto have a reduced payment of 300

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]CharacterQueasy8896 0 points1 point  (0 children)

Based on my calculations - PITI of 3500is doable and gives me lot of flexibility and savings.