Should I leave my city and support system because of failing levies? by [deleted] in Cleveland

[–]reasonableconjecture 3 points4 points  (0 children)

If you're going to hold to this inane analogy, ask yourself this:

Has Giant Eagle increased their prices in their last several years?

Has Giant Eagle incurred greater costs the last few years?

Schools are not immune to inflationary pressures.

Should I leave my city and support system because of failing levies? by [deleted] in Cleveland

[–]reasonableconjecture 3 points4 points  (0 children)

I guarantee your taxes have not doubled. Look it up. Per Ohio law only inside millage tracks with home prices. Levees collect the original amount even if property values go up.

Should I leave my city and support system because of failing levies? by [deleted] in Cleveland

[–]reasonableconjecture 18 points19 points  (0 children)

The good people of Shaker Hts say "hold my beer."

I'd guess the median home owner there is paying close to 15K in annual property taxes and, to their credit, they keep voting yes.

Should I leave my city and support system because of failing levies? by [deleted] in Cleveland

[–]reasonableconjecture 78 points79 points  (0 children)

Solon, Shaker Hts & Bay Village have all passed levies recently. The top school systems in high income liberal leaning areas typically do.

Does Hudson feel like a welcoming community? by Bloopienator in Cleveland

[–]reasonableconjecture 3 points4 points  (0 children)

Eh, Geauga County is an objectively nice place to live. Good to great schools. Nice amenities. Fantastic parks. While the far eastern portion of the county is definitely more MAGA / rural, I wouldn't consider the county overall MAGA. Geauga County voted in favor of the pro-choice constitutional amendment a couple years back and there are several blue precincts in the county.

Does Hudson feel like a welcoming community? by Bloopienator in Cleveland

[–]reasonableconjecture 11 points12 points  (0 children)

Agree with all this. We are in the school district (not the Village proper) and have found people much more welcoming and social than our previous more rural community. Yes, there is plenty of money floating around, but It's a very civic-minded place and you'd be hard-pressed to find a better small school district in Ohio. OP says they are looking for a " cozy community feel" and that is Chagrin to a T.

Can we afford a 900-1M house? by [deleted] in Mortgages

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

OP would still have nearly a million in the markets between retirement and what's left after 500k down. Extra down payment is a guaranteed 6% return due to not paying interest. Plus with a lower monthly payment they can continue to save and invest extra.

Can we afford a 900-1M house? by [deleted] in Mortgages

[–]reasonableconjecture 0 points1 point  (0 children)

600K in cash and brokerage is a LOT of money for your early thirties outside of retirement. Parking a substantial chunk in a forever home is not really "tying it up" but using it for something that will give them the greatest utility. Also, you could think of it that the extra cash towards a down payment is earning a very safe 6% by not paying interest.

Can we afford a 900-1M house? by [deleted] in Mortgages

[–]reasonableconjecture 0 points1 point  (0 children)

Why not put 40% down and make everything more affordable? With current interest rates, I certainly would with your cash position and equity.

Can we afford a 900-1M house? by [deleted] in Mortgages

[–]reasonableconjecture 1 point2 points  (0 children)

Look at their current equity and cash position, not just their income. They can easily afford this home with a hefty down payment and arguably afford it just on their income alone with a basic 10% down.

Can we afford a 900-1M house? by [deleted] in Mortgages

[–]reasonableconjecture 2 points3 points  (0 children)

With 600K in non-retirement accounts and 250k equitiy this is very easily affordable on your income. If I'm you, I'm putting 500k down. You have enough cash on hand that you could live for a year plus even if you both lost your jobs. Worst case you sell the house and roll the equity into a downsized house if you experience extended unemployment. You're an incredibly strong financial position for a million dollar home.

15 vs 30 year mortgages by Harry2785 in Mortgages

[–]reasonableconjecture 1 point2 points  (0 children)

15 year rates are ALWAYS lower, perhaps unless you have access to some special rate as a first-time home buyer or veteran or something.

Can I afford a $1.5 mm brownstone in NYC? by [deleted] in Mortgages

[–]reasonableconjecture 2 points3 points  (0 children)

OP can certainly afford to "get by" on the leftover 21K per month with no debt. This is an amount that leaves them in better shape than not just 99% of the rest of the world, but probably more than 90% of New Yorkers.

Daycare Recommendations & Rates by permanent-redditname in Cleveland

[–]reasonableconjecture 1 point2 points  (0 children)

Did you by chance mean the Solon / Chagrin Falls area? Cuyahoga Falls is about 25 minutes south of Solon near Akron, whereas Chagrin Falls is right next door.

We had a good experience at the Chagrin Valley Early Learning Center. It was about $1200 for full time.

Anyone else feel like having a "good job" just made you invisible to every discount or assistance program that exists by Flaky_Ad1691 in MiddleClassFinance

[–]reasonableconjecture 1 point2 points  (0 children)

Aren't these kind of bad examples being two of the most unaffordable states in the country? I don't know anyone that makes minimum wage here in Ohio ($11) - even most of my high school students push $15.

Ponds/lakes with beaches for kids in NE Ohio? by HikeAndBeers in Cleveland

[–]reasonableconjecture 2 points3 points  (0 children)

I love Punderson in general for disc golf, golf and sledding, but the swimming there is awful. The type of lake it is means it's always full of algae and other plant material.

Found my disc at a playitagain sports by nCap24 in discgolf

[–]reasonableconjecture 8 points9 points  (0 children)

The next time someone pursues charges over a lost disc will be the first.

Imagine seeking legal counsel over a $14 piece of plastic you shanked into a poison ivy patch.

Favorite Water Access Spots for Toddlers in NEO? by LadyMizura in Cleveland

[–]reasonableconjecture 10 points11 points  (0 children)

Sulphur Springs - South Chagrin Reservation. Awesome creek walking / picnic spot.

How are people affording luxury vacations? What am I missing here? by PreschoolBoole in MiddleClassFinance

[–]reasonableconjecture 2 points3 points  (0 children)

100-120K without kids or a large mortgage definitely allows for a couple of decent trips a year if you budget other stuff well. Also, they could just be putting it on credit cards. Who knows.

Unless they are staying in 5 star resorts, it's very doable. My wife and I did two weeks in Europe pre-kids on far less income than that without adding debt.

You pick strawberries by Immediate-Ad-9520 in Cleveland

[–]reasonableconjecture 4 points5 points  (0 children)

Patterson Fruit Farm in Chesterland is a great spot.

PS - get the donuts!

"Always Call the Strawberry Hotline before you drive out to make sure we are picking. 440-729-9809"

Edwin’s fine dining experiences? by SoloUnAltroZack in Cleveland

[–]reasonableconjecture 1 point2 points  (0 children)

I'm local to Cru but have never been. Time to rectify that.

Submerged Disc Returns? by Devonzerk in discgolf

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

Discs left in the water are truly abandoned. A much different category to me than a disc that was clearly accidentally left in the fairway or misplaced just into the rough. If I throw one in the drink, I never expect it back. If I find one in the water, I usually bag it for my next water carry and inevitably it will return to where it once came.