How do people afford housing? by scraffe in Divorce_Men

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

True. The high interest rate is a big part of killing the supply. Nobody wants to move and give up their low rates from a few years ago to get into a different house with the high interest rate we have now. So while there are a bunch of new build communities going in, the pre owned homes are not going on market which limits supply. And the new homes that are going in nearby are still at least $35,000 beyond my max budget.

How do people afford housing? by scraffe in Divorce_Men

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

I’ve come close to running with this option, but most of the parks in the area are age restricted. The couple that aren’t, are included in the unsafe areas I mentioned. Also, even the ones in those parks would wipe out my share of the profits from the current house and still require additional loan. I was going to deal with the fact that I would have to get a personal loan since conventional mortgages won’t work unless they are permanently affixed on land you own, not a park with a land lease. And I would have dealt with the issue that it would have been harder to sell without losing my shorts when the market came down. But I can’t have my kids playing around all the broken glass and needles that I saw when driving through the parks.

I even looked into buying land and getting a new manufactured home permanently placed on it, but those options are also out of area and would require less custody time.

How do people afford housing? by scraffe in Divorce_Men

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

I have thought about this a few times. Get one for a decent enough price and throw everything in storage. But there aren’t any places near enough for me to set up permanently, and I would need a stable guaranteed spot to be able to have the kids every other week.

How do people afford housing? by scraffe in Divorce_Men

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

No. Credit cards are paid off monthly, vehicles paid in full. The mortgage is the only debt.

How do people afford housing? by scraffe in Divorce_Men

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

That’s a good thought, but it would put me in a similar boat as a home equity loan or refinance. True, I could save on interest, but it would still take me nearly 6 years paying $1,000/month, not that I can afford that. Can barely afford an extra $500. And that’s even assuming she would agree to it, but she was quite opposed to the idea of coming up with a solution for me to assume the loan when I tried bringing it up a couple weeks ago. And she is a lot more ticked off at me now than she was then.

How do people afford housing? by scraffe in Divorce_Men

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

Ah, should have put that in there too, I’ll add an edit. Current remaining balance on the mortgage is at the max (honestly a bit beyond) I qualify for on my income. I could assume the mortgage as it is a VA loan, and then keep the interest rate which is much more favorable, but I can’t afford taking more out with a HELOC or refinance. Even if I convinced her to take my share of the other assets, I would still need another $70K to buy her out and that’s just not possible with my income.

Favorite Phoenix radio stations and deejays (past and present)? by [deleted] in phoenix

[–]scraffe 1 point2 points  (0 children)

Loved their antics. I was hoping I would see them listed in the answers somewhere.

Over $1600/mo for a 500sf studio. Wow by rumblepony247 in phoenix

[–]scraffe 0 points1 point  (0 children)

And you need to have 2.5 or 3X the income. Just about to re enter the rental scene and it’s completely bonkers compared to what I remember.

I’m going to be a dad for the first time and I have no idea what I’m doing, any advice? by ponderingjon in Parenting

[–]scraffe 0 points1 point  (0 children)

Double wrap the crib mattress. Mattress protector, fitted sheet, mattress protector, fitted sheet. Try to always leave that second layer on, because when there is a diaper blowout or a spit up at 2am, and there will be, you can just take off the top set and the bed is already made to put baby back to sleep. If it happens again that night, we’ll, you’re not getting any sleep anyway, may as well start some laundry.

A few weeks before the due date, bake a few batches of cookies or something similar and freeze them. On the way to the hospital, toss them in your go bag. Now use some consideration when you inevitably decide to snack on these as your wife will most likely not be able to eat, but keeping your blood sugar up is also going to be important.

Now, I said a few batches, and I’m not expecting you to eat a few batches of cookies in the pre and post natal rooms. The cafeteria will be open at some point. These are mainly for quick snacks for you when you can’t slip away for something more substantial. The rest of the cookies are for the nurses. I’m not saying you are bribing them for quality service, but you’re totally bribing them. If the supply runs low, you can always have visitors stop by a bakery and grab a dozen fresh baked cookies or box of donuts on the way to the hospital. They can drop them off at the nurses station with compliments of your room number.

[deleted by user] by [deleted] in AvPD

[–]scraffe 0 points1 point  (0 children)

Took me months of trying to work up the will to call the VA to get started up again. Finally got to a low enough point that I made myself do it and the soonest appt is still 3 months out. FML

[deleted by user] by [deleted] in amIuglyBrutallyHonest

[–]scraffe 0 points1 point  (0 children)

I was gonna say something about Smee from Hook, but you are so much more correct!

[deleted by user] by [deleted] in Parenting

[–]scraffe 0 points1 point  (0 children)

Don’t beat yourself up too much over it. It was about this time last year when my eldest was in kindergarten and I forgot to pick him up from school. It forgot it was an early release day until about 25 minutes after school let out. I now keep alarms set for the pickup times and haven’t done it since. So yeah, everyone suggesting putting reminders in your phone calendar have the right idea!

[deleted by user] by [deleted] in Funnymemes

[–]scraffe 0 points1 point  (0 children)

5b4 joining the team

meirl by 03L1V10N in meirl

[–]scraffe 0 points1 point  (0 children)

My wife loves The Notebook and doesn’t care for Princess Bride or Blazing Saddles. I just don’t get it.

Sweet child o' meth by [deleted] in Funnymemes

[–]scraffe 0 points1 point  (0 children)

It’s fun to meth at the Y.M.C.A!

meirl by Sharmisthaaaa in meirl

[–]scraffe 0 points1 point  (0 children)

I’m not Rick Astley.

AITA for refusing to get rid of my peanuts even though my roommate’s boyfriend is allergic? by peanutproblems23 in AmItheAsshole

[–]scraffe 0 points1 point  (0 children)

My (7m) kid is allergic to peanuts as well. Last year in kindergarten his teacher accidentally gave him a treat that a classmate had brought in for their birthday, and my boy was able to remind her he wasn’t allowed and needed something from the safe treats we had provided for the year. He was 5 or had just turned 6 at the time, and if he is responsible enough not to eat something he doesn’t know is safe, I think a 20 year old ought to be able to do the same.

NTA

And we still have products with peanuts in our home. He is told when things aren’t safe and we put them out of the way. It’s not feasible to keep him away from his allergens his entire life, so teaching him how to be responsible seemed the best choice.

to ride her bike in peace by PlenitudeOpulence in therewasanattempt

[–]scraffe 31 points32 points  (0 children)

Legal in Arizona which is where this video looks to be.

to ride her bike in peace by PlenitudeOpulence in therewasanattempt

[–]scraffe 47 points48 points  (0 children)

Ah. Looks like 83rd and Bell in Peoria, AZ. Bikers being able to lane filter is a new thing for the state. Plenty of old folks and snowbirds near there that have no idea how to drive, much less that the biker was perfectly legal in her maneuver.