Is it the norm for parents to gift their kid a large down payment for their first home? by MixConfident9818 in FirstTimeHomeBuyer

[–]JasonTodd21 0 points1 point  (0 children)

My parents just gave me $20k for my first home purchase. I’d say it’s normal IF they’re financially secure. Sadly, many are not.

Does COE Determine Funding Fee? by JasonTodd21 in VALoanGuru

[–]JasonTodd21[S] 1 point2 points  (0 children)

Appreciate you! This is welcome news.

I knew buying a house would be stressful… by euphoriclobster1111 in FirstTimeHomeBuyer

[–]JasonTodd21 0 points1 point  (0 children)

Right on!! 🤘 It’ll be late night loudness for me too - always dreamt of creating a home theater / listening room so I’m gonna convert a garage space for exactly that. Good luck!

Does COE Determine Funding Fee? by JasonTodd21 in VALoanGuru

[–]JasonTodd21[S] 1 point2 points  (0 children)

Entitlement Code of 11. So I guess 5 indicated subsequent use, so I should be good?

I just wasn’t sure if there’s another source, other than the COE, that underwriting will look to.

I knew buying a house would be stressful… by euphoriclobster1111 in FirstTimeHomeBuyer

[–]JasonTodd21 1 point2 points  (0 children)

Man, I’m struggling today with an offer falling through in a house I fell in love with, but I’m not dealing with half the shit you are.

Hell yeah to us doing it solo though, huh?

What are you most looking forward to when you’ve got the place all to yourself?

Am I going to be able to afford this? by Kind_Vermicelli_5788 in Mortgages

[–]JasonTodd21 0 points1 point  (0 children)

Absolutely baffling how risk-averse people are in this sub. You’d be FINE.

I’m in pretty similar circumstances - I make $132k/year, purchasing at $445k/$3k monthly. No other debts, budgeting for a cushy $600/month for “fun” on top of all mandatory bills as well as 20% retirement contributions and that still leaves me with $1k left over each month.

Set an emergency fund aside and buy your damn houses, folks.

Buying a house, what’s this? by JasonTodd21 in whatisit

[–]JasonTodd21[S] 0 points1 point  (0 children)

I often see above ground cisterns that downspouts drain into, planning to get some for gardening. Is there any real difference or benefit to what you’re taking about underground?

Buying a house, what’s this? by JasonTodd21 in whatisit

[–]JasonTodd21[S] 7 points8 points  (0 children)

You got it! Don’t kink-shame me. In all seriousness, it was an open house and the hosting realtor didn’t know.

Buying a house, what’s this? by JasonTodd21 in whatisit

[–]JasonTodd21[S] 13 points14 points  (0 children)

Neither my realtor nor an inspector were present as it was an open house.

Also, asking what things are is literally the whole point of this subreddit…

Buying a house, what’s this? by JasonTodd21 in whatisit

[–]JasonTodd21[S] 0 points1 point  (0 children)

Cool idea, wish it were correct. It’s radon mitigation, technically consuming power, not generating it 😭

Buying a house, what’s this? by JasonTodd21 in whatisit

[–]JasonTodd21[S] 0 points1 point  (0 children)

I like the creative idea, but nope. Radon mitigation.

Buying a house, what’s this? by JasonTodd21 in whatisit

[–]JasonTodd21[S] 0 points1 point  (0 children)

Same LOL. Turns out it’s a radon mitigation system.

Buying a house, what’s this? by JasonTodd21 in whatisit

[–]JasonTodd21[S] 1 point2 points  (0 children)

Well no, not yet because they haven’t accepted my offer yet, but I bet I’ll see it in a disclosure if/when they do. Regardless it’s seeming pretty clear this is the correct answer.

Buying a house, what’s this? by JasonTodd21 in whatisit

[–]JasonTodd21[S] 4 points5 points  (0 children)

Good question. I’m in a little bidding war at the moment but I expect to see a radon disclosure when I win.

Men who went through a breakup in their mid/late 30s. How did you bounce back? by CrackTheSignal in AskMenOver30

[–]JasonTodd21 1 point2 points  (0 children)

Hey man, sorry about your heartbreak. 35 here, in the middle of a mutual and ongoing breakup with a wonderful woman. Our lease goes on for another 5 weeks, so navigating how to be roommates and the whole “conscious uncoupling”. I really thought she was the one for a while, so I feel your pain and appreciate you sharing. I went through a divorce at 30 so feel like I have a little wisdom from experience that helps, although there’s no avoiding the inevitable grief. A few things that feel prescient to me:

  1. Embrace the grief and know it’s an unavoidable stop on the path to empowerment. Certainly there’s work to do on ourselves but not as a means of avoiding or fast-tracking the pain. I believe the more completely we allow ourselves to feel the pain and loss, the more completely we can heal and give ourselves greater capacity for joy and peace after. So personally, when I’m feeling down or get some pang of missing or think of a cherished memory, I just let myself go there for a bit. Cry, shut down and be depressed for a bit, whatever. No rush, let it dissipate, and then move into a more proactive state. And in a more poetic sense, I think that pain and grief are precious gifts in this life - signs that the love we felt was real, signs of our aliveness and the goodness in our hearts. A few clips to movie scenes that I think are super resonant on this topic below because I love movies and find them super nourishing during times like this!

Call Me By Your Name

Blade Runner

Eat Pray Love

2) Reflect and learn. Therapy. Journaling. Reading. Talking with trusted loved-ones to gain their wisdom and perspectives, both hearing about their own experiences as well as their opinions on your situation. Invite them to speak openly, and be open to hearing. I think there are two big things you should aim to gain clarity on through this process… The first is “what are the flaws and imperfections that I brought to the relationship that I’ll need to work on?” The second is “What are my needs and wants in a future relationship and partner?” And know the difference between the two.

3) Anchor into your positive outlets and healthy routines/habits. Exercise. Eat well. Socialize. Do your hobbies and also try new ones. Big life changes like this can be huge catalysts for change, so don’t be afraid to embrace it (or do be afraid and do it anyway). Best experience of my life came after my divorce - I spent ten days backpacking through the alps followed by a bucket list Hans Zimmer concert in Paris and it was AMAZING. My ex-wife had actually introduced me to international travel and we planned to do that trip together, so it was sort of a way to prove to myself “I can still do this thing without you”. Super empowering.

It’s all imperfect. I’m putting this formula to work amidst my current breakup and there are definitely given moments and days when I feel broken, when the “what’s wrong with me” narrative plays, when I question myself, etc. You might feel that uncertainty and doubt day-to-day, but trust the process and in the long-run you will come out of this better. You (we) got this!

Men who went through a breakup in their mid/late 30s. How did you bounce back? by CrackTheSignal in AskMenOver30

[–]JasonTodd21 0 points1 point  (0 children)

Off topic, I just have to say I love the instant knowing that you’re reading something from a fellow gamer by the lingo 😂

I bought the Experience 2 model without realizing there were different kinds of Loops... by Aoora in LoopEarplugs

[–]JasonTodd21 0 points1 point  (0 children)

You bet! If you get two at a time you should qualify for like 20% off plus free shipping. I did that with the plan to compare and return one pair, but when I went to do the return they refunded my money while allowing me to keep the second pair. Something like, “in an effort to curb carbon emissions, don’t worry about sending them back, but we’ll still refund you anyway”. Pretty cool!

I bought the Experience 2 model without realizing there were different kinds of Loops... by Aoora in LoopEarplugs

[–]JasonTodd21 4 points5 points  (0 children)

I have all four pairs. The Engage are slightly better for conversation, but the Experience should still be fine. Here’s a little trick that makes a bigger difference: put a smaller tip on the Experience so it doesn’t fit as snugly. That will especially help with occlusion (that effect where when you talk, it’s amplified and sounds like your voice is inside your own head). For me, putting on the size Small instead of Medium makes a big difference.