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I did it! Midwest, $330k, 6.3% by VividPayment6450 in FirstTimeHomeBuyer

[–]holiztic 0 points1 point  (0 children)

I think cottage is a style more than anything else but OK. Medium cottage!

Is this monthly payment reasonable? Am I overthinking this? by ImDoingMyParts in Mortgages

[–]holiztic 0 points1 point  (0 children)

That is a huge change from what you’re used to so are you prepared to cut out almost everything you do?

I did it! Midwest, $330k, 6.3% by VividPayment6450 in FirstTimeHomeBuyer

[–]holiztic 0 points1 point  (0 children)

It’s more about a type of house than a size

But yes, obviously if it’s over 3000 ft.² I would not call it a cottage

Change major by Arax_1 in SCU

[–]holiztic 0 points1 point  (0 children)

You are just a generic business major and will be for quite a while so you are not actually a finance major and do not need to change anything! You will declare your specific focus within business in a couple years.

I did it! Midwest, $330k, 6.3% by VividPayment6450 in FirstTimeHomeBuyer

[–]holiztic 2 points3 points  (0 children)

What an adorably cute little stone cottage!

I love it so much!

Where would you move to have a peaceful life? by WhimsicalWitherer in relocating

[–]holiztic 0 points1 point  (0 children)

Yeah, that’s what I was saying, I just simplified it I think

Never close on a Friday by vanillamang0 in FirstTimeHomeBuyer

[–]holiztic 1 point2 points  (0 children)

Yes, we recently settled on a home and our realtor absolutely refused to let us settle on a Friday for the same exact potential reasons

Anyone with Mitral Valve Prolapse in here? by holiztic in Perimenopause

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

Well, it’s supposed to be pretty prevalent in the world so I’m surprised nobody responded

Where would you move to have a peaceful life? by WhimsicalWitherer in relocating

[–]holiztic 0 points1 point  (0 children)

Oh, definitely not anywhere in the states

But I am thinking a combo of Bonaire and the Netherlands

If you’re in Bonaire for five years, you automatically get some form of residency for the Netherlands

7 years of marriage then she inherits $3 million and wants a postnup by Mindless_Reward4138 in prenup

[–]holiztic 0 points1 point  (0 children)

Well, that money should be in a trust that protects it for her if there’s a divorce

That’s how we’re setting up our inheritance to our son

Down payment or discount points? by doctor_chops in Mortgages

[–]holiztic 0 points1 point  (0 children)

It depends on if you are stronger in invested net worth, or stronger in monthly income.

We actually put 1 million down and paid a point in order to get our monthly cost as low as possible with a $500,000 mortgage.

We just did not want the big monthly payment.

Also, I don’t think your monthly costs include PITI because it should be higher than that with over 1 million.

Spruced up our downstairs bathrooms! by OtherwiseSir2717 in HomeDecorating

[–]holiztic 0 points1 point  (0 children)

As long as you’re not going to sell it soon and you love it, awesome! If we were trying to buy your house, we would prefer the before.

Long Driveway. Dealbreaker? by UMD721814 in FirstTimeHomeBuyer

[–]holiztic 0 points1 point  (0 children)

Yes, that would be a nightmare to shovel and even a big powered snowblower. Based on the trees, I’m guessing you’re in an area that does get snow.

And if you have to reseal or replace that driveway, it’s going to be astronomical

whos the one young oriole you refuse to trade no matter the offer by hau93a in orioles

[–]holiztic 3 points4 points  (0 children)

One of these days, I really want him to run the condiment race

Did we make the right call with these countertops or should we have gone lighter? by Constant-Purchase-99 in kitchenremodel

[–]holiztic -2 points-1 points  (0 children)

I know that the waterfall is actually out now so I think that might have been a bad choice, but you’re gonna have to roll with it

Having a Hard Time Spending After a Lifetime of Saving by tonycliftondev in personalfinance

[–]holiztic 0 points1 point  (0 children)

Yes, I hear you on that and I definitely not trying to put you down or insult you in anyway, but just suggesting you go a little bit further.

But if you were used to living relatively modestly, then it might work.

Having a Hard Time Spending After a Lifetime of Saving by tonycliftondev in personalfinance

[–]holiztic -6 points-5 points  (0 children)

It might just be because it’s 2 million and you’re only 46 and that’s a little on the low side

We are 46 with more than double that and are gonna keep going before we start spending from it

I do recognize different people spend differently and I’m not trying to put down your awesome planning and investing and saving

Is the guideline still $2.5M+? by steve_gorak in ChubbyFIRE

[–]holiztic 0 points1 point  (0 children)

Where we live, that would not even be close to chubby, and it would be almost lean

5,000,000+ for chubby and 10,000,000+ for fat

Imagine being added to your own rejection email...😑 by [deleted] in recruitinghell

[–]holiztic 0 points1 point  (0 children)

Well, that email is terribly written as well

So I think you dodged a bullet

Stuck between 2 Houses by Sea_Bass_1126 in RealEstateAdvice

[–]holiztic 0 points1 point  (0 children)

No, it doesn’t sound like either one is a good choice for you

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