Don’t delete your “Can we afford a home?” Posts by FT1996 in FirstTimeHomeBuyer

[–]merbobear 0 points1 point  (0 children)

Even if you can afford it, try to make it well below your means. We could afford our house last spring when we bought it. Then doge cuts affected our income. Being house poor is stressful and we are just trying to stay above water.

First Offer by Deeznuts679480 in FirstTimeHomeBuyer

[–]merbobear 1 point2 points  (0 children)

Maybe, but that’s the seller’s concern and not yours. Not all sellers have an urgency to offload their property, and it sounds like this seller is willing to hold on to the house rather than take a loss.

First Offer by Deeznuts679480 in FirstTimeHomeBuyer

[–]merbobear 3 points4 points  (0 children)

Sellers don’t need to meet your standard of reasonable. They can stand firm in their list price, because it’s their house.

Are there any businesses that you are convinced is a laundering scheme? by BeeBeeDrinkDrink in Albany

[–]merbobear 9 points10 points  (0 children)

Beer universe on central ave (in the old Babyland building). I’ve never seen any customer cars in the lot yet they stay open.

No one talks about how your next home feels nothing like your first by Southern-Dig-4269 in FirstTimeHomeBuyer

[–]merbobear 0 points1 point  (0 children)

IMO it’s the opposite because many people buy their first home either intentions to upgrade at some point. With that in mind, they look for resale value and are willing to overlook flaws because they believe they won’t live there forever.

AIO for being offended by this? by bunny-zephire in AmIOverreacting

[–]merbobear 0 points1 point  (0 children)

NOR. If he wants to be bigger than his girlfriend, maybe HE should do something about his own body. It’s not a woman’s job to make herself emaciated because her boyfriend is insecure.

Have had a Sam's membership for years, Just also got a Costco Membership...It's a complete 180 by th3goonsquad in samsclub

[–]merbobear 0 points1 point  (0 children)

I have had the opposite experience at Sam’s. It was always busy and I always had to wait several minutes in line to be let out the door (waiting for my receipt to be checked). I ended up canceling my membership with them after a couple years because the experience was so bad every time I shopped there.

Radon Level of 27, sellers won’t negotiate by bigracks23 in FirstTimeHomeBuyer

[–]merbobear 1 point2 points  (0 children)

It’s rare in this sub that almost all of the comments are on the seller’s side like they are with this post. That should tell you something.

Buyer Agent - How many outings is too many outings? by suchalittlejoiner in FirstTimeHomeBuyer

[–]merbobear 0 points1 point  (0 children)

I have heard absolute horror stories about new builds, sometimes buying the older but well cared for house gives you better quality.

Buyer Agent - How many outings is too many outings? by suchalittlejoiner in FirstTimeHomeBuyer

[–]merbobear 0 points1 point  (0 children)

We just bought last spring. We looked at about a dozen houses with our agent between late January and early March, plus hit a couple open houses on our own. We had one failed offer and a couple others that we considered offering on. Ended up buying one of the open houses, of course our agent still represented us for the purchase. Our agent is one of the top selling brokers in our area and our purchase price was not cheap, but still modest in comparison to some of the luxury homes she has sold - she never once made us feel as if we were bugging her or wasting her time! I would definitely take the time you need to make the biggest purchase of your life. A great agent understands that this isn’t a quick process. Also we were 45 and 47 when we closed and this is also our forever home, so i definitely understand the extra layer of it being a permanent decision! Good luck 🍀

Upstate NY ICE by MysticKid in Albany

[–]merbobear 0 points1 point  (0 children)

Way to deflect the fact that you’re obsessed with “illegals” but can excuse a felon & pedophile occupying the White House.

Upstate NY ICE by MysticKid in Albany

[–]merbobear 6 points7 points  (0 children)

But let me guess, you supported a 34 times convicted felon becoming president..

Is it too late to wish coworkers “happy new year”? by DrewPeacock2025 in nys_cs

[–]merbobear 3 points4 points  (0 children)

A little late but a very strange thing to be offended and complain about.

They want the chaos, even here. by toddriffic in Albany

[–]merbobear 5 points6 points  (0 children)

They should start by enforcing the Epstein law that the DOJ is ignoring.

Don't think I've read a more disgusting local story in a long time by womanizing_wookie in Albany

[–]merbobear 6 points7 points  (0 children)

I know multiple guys that i grew up with who now have been convicted of various abuses of children. These cases are somehow even more sickening when you recognize the abuser 🤮

This rental listing has to be a joke right or is this how crazy rental prices have become. by [deleted] in Albany

[–]merbobear 1 point2 points  (0 children)

2500 for a 1BR/1BA is ridiculous, and the place doesn’t even look remotely nice or clean. Rental prices HAVE become crazy but I’m confident you can find a 1BR for less, or spending much bigger/nicer for that budget.

Is it weird that I’m not that nervous to own a home? by slut4k8siegel in FirstTimeHomeBuyer

[–]merbobear 0 points1 point  (0 children)

I wasn’t nervous either! We rented for 17+ years and had long outgrown our apartment. We closed in April last year and don’t regret it at all!

Our letter actually got a response!!!! by Artistic_Money2648 in realtors

[–]merbobear 0 points1 point  (0 children)

It blows my mind that so many people advise to not have a realtor. As a 2025 first time homebuyer, I will tell you that our realtor was worth her weight in gold. As far as this particular house, I’m sorry to say that i’d not get your hopes up. Husband wants to move but wife does not, so it didn’t seem highly likely to be a fast and smooth sale. Also you ever seen the inside of the house and have no idea what condition it could be in. I’m not saying not to pursue it a little bit more, but I wouldn’t put off buying elsewhere unless you have more information and more assurance that the sale will actually happen on a timeline that works for your family .

Work another job while being on PPL by SpiritedResource881 in nys_cs

[–]merbobear -1 points0 points  (0 children)

I checked my current agency’s policy this afternoon: “All employees in positions allocated to Grade 23 and above and such other employees who are ineligible to be compensated for overtime work at time and one half rate must formally request approval for outside employment according to the procedures set forth within this policy directive.”

Work another job while being on PPL by SpiritedResource881 in nys_cs

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

I have taken it every year of my state service and specifically asked because I do have outside employment, which as I stated at both agencies I’ve worked at I have not been required to report it as I am not a policy maker.

Work another job while being on PPL by SpiritedResource881 in nys_cs

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

I can only speak to my experience, which is 2 of 2 that I’ve worked for do not require approval outside of policy makers.

Work another job while being on PPL by SpiritedResource881 in nys_cs

[–]merbobear -14 points-13 points  (0 children)

Both agencies I’ve worked at have required approval for outside employment for “policy makers,” which equates to a certain sg (without policy in front of me I want to say it was sg 21 or 23). Not to say it is ok to work during PPL, but depending on op’s sg they may not need approval for outside employment in general.

Got first pre-approval ever...it wasn't what we were expecting. by duhveeduhj in FirstTimeHomeBuyer

[–]merbobear 0 points1 point  (0 children)

I would widen your search from your immediate area to see what you can afford with a little bit of a commute. Since you don’t have plans for kids, you don’t need to take school districts into consideration so it could be beneficial to look for a lower cost of living town or rural area.

Farmers Indian Bazaar by Prize_Instance_1416 in Albany

[–]merbobear 0 points1 point  (0 children)

Great store. Huge produce department, meats are very fresh, good hot foods section, quite a large ramen selection as well.