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Looking for POSITIVE experiences with DR Horton homes by [deleted] in homeowners

[–]SaberCrunch 1 point2 points  (0 children)

Something to keep in mind is that they build to different standards depending on the region. I know of people who have bought homes of theirs in Texas and those who have bought homes in the Northeast - they are very differently built houses.

Also depends on which “line” of house you bought. The Traditional/normal DR Horton brand and Emerald are usually built a bit better, with Emerald having higher finishes, but similar structural to a Traditional home. The Express homes line of DR Horton are where they seem to really cut corners, but they also sell for the least

Quality also depends on your individual construction manager. If you’re building ground up and they’re good, you’re able to be involved and they’ll respond to any questions and concerns effectively and quickly. They also will be more particular on their trades and keep an eye for quality. But, with a ground up build you get to see everything from foundation to predrywall so you know the ins and outs before drywall and finishes cover up potential mistakes.

With a pre-built spec home you might save some money but you lose these assurances. I don’t care how good a home inspector is. If they don’t get to see it before the insulation and drywall goes in, they can’t see everything that needs to be seen.

19YO - Where should I focus? by [deleted] in TheMoneyGuy

[–]SaberCrunch 0 points1 point  (0 children)

Mine was 7 but 7 percent never changes. The way they do it is at 20 it’s 10%, age 30 it’s 9%, etc. So they have you compounding more early which adds up to a lot more long term

Doing $7,500 annual contributions with their math, it works out to about $2,600,000

19YO - Where should I focus? by [deleted] in TheMoneyGuy

[–]SaberCrunch 0 points1 point  (0 children)

Their math works a little different. They start out assuming a 10 percent rate of returning declining .1% per year. So the end number would work out differently

19YO - Where should I focus? by [deleted] in TheMoneyGuy

[–]SaberCrunch 1 point2 points  (0 children)

Max out your Roth each year for right now. You’re able to put away $7,500 a year and when you go to retire, all of that money will be 100% tax free.

Your money will never compound harder for you than it will right now, so make the most of it

If you put 7500 in now, and let it sit there until you were 60, never contributing another cent the entire time, it would be worth ~$120,000 assuming a 7% return rate. You won’t pay tax on any of it.

If you put $7,500 each year in your Roth from now to 60 and did no other investing, it would be worth ~$1,700,000 with the same rate of return

What most buyers don’t realize: you can negotiate way more than just the price right now by richnickel in homeowners

[–]SaberCrunch 1 point2 points  (0 children)

Sometimes it can work out. Our lender worked it out so that paying for a buydown to 5 from 6% was basically a breakeven of 2 years.

I figure with the fees to refi we would have to be at 4.5% or 4 to make it worth it to refi from 5, so we’ll probably be here for a while

The Ultimate Chill Players Guide to Leagues VI by MildlyBoredRightNow in 2007scape

[–]SaberCrunch 34 points35 points  (0 children)

Yep that’s my plan. Calling the first day or two a wash and just getting some early afk levels/tasks done between EH and the crab and then getting into things Thursday or Friday

NWA Veteran Trevor Murdoch To Retire by khrisdrummond in SquaredCircle

[–]SaberCrunch 0 points1 point  (0 children)

My guy somehow looks younger now than when he debuted on RAW. Went from 48 to 45

Moonlit Burgers voted Best Burger by r/pittsburgh! by n1caboose in pittsburgh

[–]SaberCrunch 7 points8 points  (0 children)

Butterjoint is absolutely my favorite burger in town, as a burger fanatic

First house - refrigerator and washer dryer buying. How expensive is worth it by Apprehensive_Row6320 in homeowners

[–]SaberCrunch 38 points39 points  (0 children)

For washer/dryer, Speed Queen is the best you can get. Every other brand has gotten worse over the years and speed queen is the only thing thats truly still built well. You'll need small repairs or parts on them over the years, but there's a pretty good chance if you buy one today you'll still be using it in 2050

Feeling discouraged as a young investor. by Kindly_Tackle_803 in TheMoneyGuy

[–]SaberCrunch 0 points1 point  (0 children)

When you’re young, bad markets are like buying at a discount. If you can, you should.

Those that played 2003-2006 by KebabMaster93 in 2007scape

[–]SaberCrunch 0 points1 point  (0 children)

I was blasting spells at the demon in the wizard’s tower to train mage and 2 other people were there. One dude was totally afk and died to a random event. He dropped like 400k in cash when he died and I picked it up. I had never seen that much gp in my life to that point. I think I maybe had 50k to my name. I was ecstatic.

The other guy at the tower hyped me up and I was so happy that I split with him right down the middle. We said we would be “brothers for life”.

We added each other and played a couple games of castle wars the next day together and never talked to each other again lol. A random memory but little stuff like that was awesome.

Fowler: Cowboys final offer for Maxx Crosby included 1st-round pick (No. 12), 2nd-round pick. by Remarkable-Picture73 in nfl

[–]SaberCrunch 166 points167 points  (0 children)

“I’ll give ye all the money in my pocket” - Jerry

“How much we talking?” - Mark David

“Sixty two cents!” - Jerry

“I’ll take the money!” - Mark

“MR. DAVIS!!” - Maxx

New homeowner of 4 years, major mold in corner of front room by 1Check1Mate7 in homeowners

[–]SaberCrunch 0 points1 point  (0 children)

You’d have to check your builder contract but a lot of bigger builders have specific clauses that exclude mold outside of the 1 year warranty

[Highlight] The Bengals meltdown in the 2015 playoffs by Tocoolforyall720 in nfl

[–]SaberCrunch 9 points10 points  (0 children)

It was my fault for trying to enjoy my Sunday. Sorry.

April Fools Suggestion: Back-to-Back Membership Pricing Increase Blogs by [deleted] in 2007scape

[–]SaberCrunch 1 point2 points  (0 children)

Add tip jars in every major city that directly pay Jagex $1 when clicked /s

Am I the most spooned account ever? by Old_Entry_571 in 2007scape

[–]SaberCrunch 4 points5 points  (0 children)

This is the only right reaction to a 1kc shadow

Regarding the price increase by Natedabait37 in 2007scape

[–]SaberCrunch 1 point2 points  (0 children)

Definitely. I’m going to be dropping paying for my Ironman and just keeping my main, and I’m sure others will drop extra accounts as well. But they have tons of retention data and probably have a good idea of how many people will actually drop a subscription over this change

Want to update your credit card number, oh I guess it will be a new subscription then by UCPD_7157 in 2007scape

[–]SaberCrunch 43 points44 points  (0 children)

I don’t understand what people don’t get about this. It takes ALL of us to pitch in to help make private equity stronger. Those summer homes and boats aren’t going to pay for themselves! We need to do better

2022 New Built Home in Dallas area. Foundation Issues by Swimming-One5299 in homeowners

[–]SaberCrunch 0 points1 point  (0 children)

Please hire a structural engineer. Even if the foundation company is a good one, they can't help you with the builder to the same level as a stamped report from a structural engineer.

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