Only 8 of us and swear the price made me want to cry. It was higher than that. We have too many assets for medicaid and not enough income for a tax credit. I was not pleased when our rate soared. So, health share we went.
We just got the booklet for DH’s health benefit options.
$780 a month to cover the whole family (it’s $390 a paycheck so some months it would be more.) And that’s HMO.
I know they are a smaller company so I wasn’t expecting the rate to be “as competitive” as when he worked for a larger company, plus the average insurance rate post Obamacare implementation was going to rise, but DOUBLE what we were paying? Barebones dental is another $30 a month ($15 per), and Vision (pretty much there’s no point) $12 a month ($6/per).
The only good news is it would be paid pre-tax, which would lower our taxable income by $10,140 A YEAR.
TEN THOUSAND DOLLARS A YEAR for medical insurance.
Oh My Gosh. Thank goodness I got all the kids’ dental stuff for their missions done when we had county medical.
the police could tell you if it is a high crime rate and you could also check what school district it is in and if that is desirable. Looking around the neighborhood at how those are kept up, doing an internet search will give you a property value though those can be way off sometimes.
till we paid the house off unless it would cost more money long term. However we only owed 3 years on the house at the start of the loan. Everyone thought we were dirt poor and WAYYyyyy to frugal in the meantime which sucked. I am glad we did it though. I think it is a personal question. The house is paid off and a year later we are still fixing stuff. Only now we can afford to replace or repair with better stuff that will last longer. I am hoping it will cut down on repairs long term.
Our decision making process has been a tough one this last five years and we, being the humans we are, sometimes let want get in the way of need, but for the most part we either repaired it ourselves the best we could or did without.
Right now the near wrap around decks on the house are slowly one by one in segments collapsing. Our solution until we are totally debt free. Stop using the one off my bedroom entirely, use salvaged lumber from other spots to make it safe to go in and out the other two main entrances and ignore the rotting railings. They are ugly, but there is a enough rebuilt good we can get up and down the steps safely.
My garage door has not been closed in three years because it is broke and we decided to put up with the animals getting in there and leaves filling it up in the fall rather than put out the $500 or so to repair it properly. As well as the hole in the wall near the garage door. It’s an eyesore that irritates the heck out of me, but I see that $500 being that much closer to being debt free.
When my laptop died the guys put together a desk top for me out of parts of several different computers. When dh’s died he used first one that was my really old one, and then ds’ old one when mine died. He limps along with it and a hand me down tablet. Except when he and ds are telecommuting. Then they use the one ds rewarded himself with when he was debt free and got a huge Christmas bonus. This one they built as well because ds could get three times the computer for the price by them building it. It too contains many used parts. Our computers were needed to help generate income, or we would not have invested any money in them.
The hot water tank went that first year of the program. It was replaced immediately. I’m sorry, but my days of boiling water on the stove and taking spit baths are over for life as far as I am concerned. I did that for 15 years when I ran the ‘voo circuit and I don’t care to go back. I absolutely refuse to take cold showers!
Auto repairs that involve safety or to head off major problems. We save up and pay for as fast as we can. No creditor on this planet is worth endangering the lives of my family or others. We take 2 payday loans in California at paydayloanscaliforniaonline.biz for last 12-month period. When my thyroid was trying to kill me, we took care of it immediately and made payments to the hospital. Both dh and I desperately need eye glasses right now. They are slated to come out of either the ss check we get tomorrow or next month’s after all we need our eyes to work. The truck repairs must come first for safety sake and then we’ll see how much of the checks are leftover to pay for the eye glasses. However, the dental work we both need will wait until we are totally debt free.
My freezer died twice in that 5 years. We repaired it the first time because it was still under warranty. The second time we decided to try living without it and we are doing great without it, so we probably won’t get another one. However, if my fridge (either one of them) goes down again it will be replaced as soon as we’ve saved up for it.
They might not always be able to talk to the neighbors because of time. in my hood, no one is home most of the time except me and the over 70 crowd.
How about this though … does anything in the paperwork prevent you from talking to the neighbors? Sometimes they have a lot more knowledge that banks/officials don’t have. I think it’s in the neighbors’ best interest to help secure a stable new owner by talking to potential bidders.
Nothing in my area has sold at auction because of this. Here in FL, it makes it easier for the bank to get the house. 1 year vs 3-4 years. Basically, the bank is trying to get their money and they also start the bidding close to what is owed. Bidding on a house on my street was supposed to start at $280k, didn’t go at auction and the list price now is $139k and that is too high for this property.
to find out what you need to do to protect your share of the houses. Even if you end up getting back together with your husband it’s a really good idea to know where you stand.
If your grandfather is willing and able, there may also be ways to protect your share of his house in *his* will.
This stuff is really different on a state-by-state basis.
And I agree with Eldred, if you are completely sure that you’re going to get a divorce, don’t put it off. Some things don’t improve with age.
One thing DR talks about a lot is “accidental investments”. You own 50% of a rental house right now with your husband. If you didn’t own the house and received $100,000 (or whatever your share is worth) right now, would you choose to take that cash and put it into a joint investment with your husband? If your first reaction is “NO WAY!” then you need to think hard about getting out of that and into something that makes sense for you today.
that debt load would probably fall on you, taxes and all. Sometimes the spouse can also get a good portion of your retirement, don’t know his income but if you have no debt and he has lots if everything went ugly you could wind up paying him. If you have a decent relationship now you might want at least a legal separation at this time even with the possibility of some day being together again. You could see how the financial split would be now instead of after an inheritance happens. Seems like if you are just living apart, he would have to be on board with a mortgage or they would at least factor in his poor credit if you are still a couple even as your sole property.
if you don’t see yourself getting back together, get the divorce NOW. At the moment, you don’t own the property, and that ‘wealth’ can’t be used against you for division of assets. Then if he would owe you alimony you might be able to negate him having any claim on your inherited house. Talk to a lawyer now, but I’d think that if you cut ties BEFORE you get the house, it would be easier to keep it to yourself(and brother).