• Filter the conversation
[ - ] ok, i am FREAKING out over the purchase of this house!!!! we have $80k in savings, house is $375k and closing costs are $10k.hhi is 100k and no c/c debt. i'm scared about HELOC's and their floating rates, but I don't want to deplete our savings for a 20% down payment. and if we do that we'll have to borrow from c/c (2.9% int.) to pay for closing costs. WWYD??? no flames please. 25 Replies [ Reply | Watch | More ]
General Topics 05.22.08, 11:30 AM Flag
»
um - not buy the house! [ Reply | More ]
General Topics 05.22.08, 11:31 AM Flag
»
where do you live? [ Reply | More ]
General Topics 05.22.08, 11:31 AM Flag
»
^^^oops- meant for OP [ Reply | More ]
General Topics 05.22.08, 11:32 AM Flag
»
[ Removed by moderator ] [ Reply | More ]
General Topics 05.22.08, 11:31 AM Flag
»
we are headed into a bad ecomony now. I think this is too much house for your income. [ Reply | More ]
General Topics 05.22.08, 11:31 AM Flag
»
itda. OP should put $50K down and end the deal with $20K in the bank. She can certainly afford a $325K mortgage with today's interest rates on $100K HHI. It is a good time to buy. [ Reply | More ]
General Topics 05.22.08, 11:34 AM Flag
»
^^^do not borrow from ccs. [ Reply | More ]
General Topics 05.22.08, 11:37 AM Flag
»
you haven't saved enough to buy this house then, IMO [ Reply | More ]
General Topics 05.22.08, 11:32 AM Flag
»
^^^if you don't want to just put the 20% down... [ Reply | More ]
General Topics 05.22.08, 11:33 AM Flag
»
Why? I think 375K is an economical price for that HHI. [ Reply | More ]
General Topics 05.22.08, 11:35 AM Flag
»
if not willing to put 20% down, I man [ Reply | More ]
General Topics 05.22.08, 11:36 AM Flag
»
i don't want to lose such a reasonably priced house that would be perfect for us, b/c of $25k, which we can finance... [ Reply | More ]
General Topics 05.22.08, 11:52 AM Flag
»
what's worse? 10k at 3% on the card or the additional money you'll pay by not putting down 20%? [ Reply | More ]
General Topics 05.22.08, 11:33 AM Flag
»
personally, I'm waiting. I don't think we are anywhere near the bottom of the market right now. If you do buy now, and hang on for ten years, you will be fine, but they could be tough years. [ Reply | More ]
General Topics 05.22.08, 11:33 AM Flag
»
we have hhi 220K, mortg of 200K, 15 yr, payment is 2400/mo. Feels tight sometimes, 3 kids. [ Reply | More ]
General Topics 05.22.08, 11:33 AM Flag
»
you are not managing your money very well then. we have a $340K mortgage and have $110K HHI. Our HHI was only $90K until a few months ago - now that was tight. Tight, but we managed. If you have trouble with a $2400 payment each month (mine is $2850 with taxes) on $220K HHI, you are spending too much on other things. [ Reply | More ]
General Topics 05.22.08, 11:37 AM Flag
»
Why are cc so much? in today's market they are really negotable, plus you will get it back in taxes next year. [ Reply | More ]
General Topics 05.22.08, 11:34 AM Flag
»
Have you shopped around for no closing cost options? Check out Bankrate.com. If you have good credit, you should be able to find a no points/ no closing cost option. [ Reply | More ]
General Topics 05.22.08, 11:35 AM Flag
»
then the interest rate will be higher and she'll be paying for it another way. they dont just give mortgages away for free. [ Reply | More ]
General Topics 05.22.08, 11:36 AM Flag
»
closing costs seem high. that said in the current environment it's tough to finance more than 80%. [ Reply | More ]
General Topics 05.22.08, 11:41 AM Flag
»
Go through Bank of America for your mrotage. They have a No Fee Mortgage that covers everything. Even your lawyers's fees, everthing. We didn't pay one dime over the DP and taxes at closing. [ Reply | More ]
General Topics 05.22.08, 11:54 AM Flag
»
you have to pay a higher rate for that, it costs a lot more in the long run. [ Reply | More ]
General Topics 05.22.08, 11:55 AM Flag
»
slightly higher. We are only planning on living in this home for 5-7 years. It worked out much better for us. Plus, for our situation we could afford a slightly higher payment, but needed to keep as much cash on hand as possible for moving, redo and refurninshing. [ Reply | More ]
General Topics 05.22.08, 11:56 AM Flag
»
If you have more cash available you can always pay extra payments. There's a bigger opportunity cost to putting up a chunk of cash early. [ Reply | More ]
General Topics 05.22.08, 11:57 AM Flag
»
go with the HELOC and use that $$ for closing costs. [ Reply | More ]
General Topics 05.22.08, 11:54 AM Flag
[ - ] astrology mom? Need some perspective on this year in terms of finances and getting pg, buying a house. Bdate 8/23 at 11:15 AM. You there??? 2 Replies [ Reply | Watch | More ]
General Topics 05.22.08, 11:30 AM Flag
»
ASTROLOGYZONE.COM has good horoscopes [ Reply | More ]
General Topics 05.22.08, 11:31 AM Flag
»
thanks! [ Reply | More ]
General Topics 05.22.08, 11:31 AM Flag
[ - ] This link: http://politicalticker.blogs.cnn.com/ 1 Reply [ Reply | Watch | More ]
General Topics 05.22.08, 11:29 AM Flag
»
^^huh?, what just happened? It posted automatically when I pasted the link. UB??, what's up with that? Anyway - that link ^^ is the reason why I'm SO scared of Obama getting the nomination. He'll lose to McCain in the must-win states, according to the above poll. [ Reply | More ]
General Topics 05.22.08, 11:30 AM Flag
[ - ] What are your 4yo's height/weight stats? Just curious how DS compares. 6 Replies [ Reply | Watch | More ]
General Topics 05.22.08, 11:29 AM Flag
»
4.5yo ds is 45.5 inches tall and 45.5 pounds [ Reply | More ]
General Topics 05.22.08, 11:30 AM Flag
»
tall, yes? [ Reply | More ]
General Topics 05.22.08, 11:30 AM Flag
»
yes, really tall [ Reply | More ]
General Topics 05.22.08, 11:31 AM Flag
»
Anyone else? (and TY to OR for replying) [ Reply | More ]
General Topics 05.22.08, 11:34 AM Flag
»
almost 5 yo dd is 43 inches and 38 pounds. twin ds is huge, and is 50 inches, 55 pounds. [ Reply | More ]
General Topics 05.22.08, 11:35 AM Flag
»
3.5y/o is 40lbs, 42inches [ Reply | More ]
General Topics 05.22.08, 11:37 AM Flag
[ - ] where is bergen county? how far out? 3 Replies [ Reply | Watch | More ]
New York City 05.22.08, 11:29 AM Flag
»
omg. look at a map [ Reply | More ]
General Topics 05.22.08, 11:32 AM Flag
»
wow, extremely helpful [ Reply | More ]
General Topics 05.22.08, 12:00 PM Flag
»
NJ. Very close to NYC (depending where in Bergen County, that is.) [ Reply | More ]
General Topics 05.22.08, 11:42 AM Flag
[ - ] WWYD? I just learned that my ex-bf and his wife lost their first baby in childbirth. My heart is breaking over and over for him. I don't think his wife would appreciate receiving anything from me, but I just wish I could do something. Is it strange to send some flowers anonymously? Any other ideas? Should I just myob and write my emotions in a letter to him that I never mail? 19 Replies [ Reply | Watch | More ]
General Topics 05.22.08, 11:28 AM Flag
»
anonymous is weird. depends on how much contact you have had recently if mail or email would be odd. [ Reply | More ]
General Topics 05.22.08, 11:29 AM Flag
»
This isn't about you. Deal with your own sense of saddness and loss. It's not the time to reach out. [ Reply | More ]
General Topics 05.22.08, 11:29 AM Flag
»
You're completely right, I needed to hear that. I have so many unresolved emotions from our relationship and this just brought them all to a head. I have to deal on my own. The strange part is that I can't talk to dh about this and he's now my best friend, I'm not sure who to turn to. [ Reply | More ]
General Topics 05.22.08, 11:31 AM Flag
»
i would send an email to your ex and say that you are sorry. i would NOT send anything to the wife. [ Reply | More ]
General Topics 05.22.08, 11:30 AM Flag
»
We haven't been in contact in so long, an out of the blue email would be strange. I didn't mean that I would send something to the wife, but anything that I send to the house would be from both. [ Reply | More ]
General Topics 05.22.08, 11:34 AM Flag
»
^^for not from [ Reply | More ]
General Topics 05.22.08, 11:34 AM Flag
»
do nothing then. [ Reply | More ]
General Topics 05.22.08, 11:36 AM Flag
»
yes, I think I just have to deal with my sadness and work through these feelings. [ Reply | More ]
General Topics 05.22.08, 11:37 AM Flag
»
do nothing [ Reply | More ]
General Topics 05.22.08, 11:36 AM Flag
»
Do nothing. This couple does not want to hear from you. Get over yourself [ Reply | More ]
General Topics 05.22.08, 11:37 AM Flag
»
Yeah, I know. [ Reply | More ]
General Topics 05.22.08, 11:39 AM Flag
»
^^I just still feel so strongly for him. Not a day has gone by since we broke up that I haven't thought about him. I can't believe our lives took the turns that they did and that we didn't end up together. [ Reply | More ]
General Topics 05.22.08, 11:40 AM Flag
»
I was so stupid [ Reply | More ]
General Topics 05.22.08, 11:43 AM Flag
»
I was going to ask why you can't talk to DH, but I guess this is the answer. [ Reply | More ]
General Topics 05.22.08, 11:50 AM Flag
»
yep. [ Reply | More ]
General Topics 05.22.08, 11:52 AM Flag
»
^^I can talk to dh about my sadness about the baby because I feel like that's scary enough for any parent to hear about, but the rest is something I need to work through on my own. [ Reply | More ]
General Topics 05.22.08, 11:53 AM Flag
»
Yup. [ Reply | More ]
General Topics 05.22.08, 11:54 AM Flag
»
why would you inject yourself into their lives is the real question? move on. [ Reply | More ]
General Topics 05.22.08, 11:54 AM Flag
»
Yes, I know, thank you for reinforcing that. [ Reply | More ]
General Topics 05.22.08, 11:55 AM Flag
[ - ] anyone have a ds who is just not into sports? 2 Replies [ Reply | Watch | More ]
General Topics 05.22.08, 11:28 AM Flag
»
I have an almost-12 yo nephew who's not into sports at all [ Reply | More ]
General Topics 05.22.08, 11:29 AM Flag
»
yes [ Reply | More ]
General Topics 05.22.08, 11:29 AM Flag
[ - ] what are symptoms of endometriosis? would you have unusually heavy periods or unusually light periods? other signs? TIA 1 Reply [ Reply | Watch | More ]
General Topics 05.22.08, 11:27 AM Flag
»
Usually there is high pelvic pain also menstrual pain is also very worse on those days. I usually have regular periods, but sometime there is heavy bleeding. [ Reply | More ]
General Topics 06.03.15, 05:38 AM Flag
[ - ] Has anyone had to get an MRI on their dc due to large head size? 1 Reply [ Reply | Watch | More ]
General Topics 05.22.08, 11:26 AM Flag
»
no, and my kids are all 95-99th percentile coconuts. [ Reply | More ]
General Topics 05.22.08, 11:27 AM Flag
[ - ] taking a 5-hour flight w/ 3 yo dd. best toys/games/etc. to keep her happy and occupied? TIA! 4 Replies [ Reply | Watch | More ]
Toddler 05.22.08, 11:26 AM Flag
»
DVD player [ Reply | More ]
General Topics 05.22.08, 11:28 AM Flag
»
i always had one of those erasable magic boards, dvds, coloring books and crayons. [ Reply | More ]
General Topics 05.22.08, 11:28 AM Flag
»
sticker books, I Spy books [ Reply | More ]
General Topics 05.22.08, 11:28 AM Flag
»
stickers, crayons, books wih flaps, etc. protable dvd player works wonders. [ Reply | More ]
General Topics 05.22.08, 11:29 AM Flag
[ - ] need uper west side restaurant rec for casual bus dinner 2 Replies [ Reply | Watch | More ]
General Topics 05.22.08, 11:25 AM Flag
»
cafe luxembourg [ Reply | More ]
General Topics 05.22.08, 11:26 AM Flag
»
TElepan, Rosa Mexicano [ Reply | More ]
General Topics 05.22.08, 11:30 AM Flag
[ - ] Wow it's really sloowwwww here. 23 Replies [ Reply | Watch | More ]
General Topics 05.22.08, 11:25 AM Flag
»
I know! I'm really bored at work and this isn't really curing my boredom like it used to [ Reply | More ]
General Topics 05.22.08, 11:26 AM Flag
»
it was boring then too [ Reply | More ]
General Topics 05.22.08, 11:28 AM Flag
»
ita but it was faster. somehow that made it less boring. [ Reply | More ]
General Topics 05.22.08, 11:28 AM Flag
»
apparently this is a way to difficult format for many to master. Maybe eventually they will figure it out and then we will have all the brainiacs back on here again. [ Reply | More ]
General Topics 05.22.08, 11:31 AM Flag
»
that is because this new format sucks [ Reply | More ]
General Topics 05.22.08, 11:32 AM Flag
»
and? so what? go somewher else then. If you hate it here, quit posting here, or quit bitching, you are just making it more boring. [ Reply | More ]
General Topics 05.22.08, 11:34 AM Flag
»
np - wow, and it's bitter on here, too! [ Reply | More ]
General Topics 05.22.08, 11:35 AM Flag
»
ok spamela [ Reply | More ]
General Topics 05.22.08, 11:37 AM Flag
»
bitter beer face [ Reply | More ]
General Topics 05.22.08, 11:38 AM Flag
»
lol, you're a freak and I wouldn't go to you lame site if you paid me. [ Reply | More ]
General Topics 05.22.08, 11:39 AM Flag
»
stay here with all of the other lame babycenter moms [ Reply | More ]
General Topics 05.22.08, 11:44 AM Flag
»
do you know what spamela means? doesn't seem like it... [ Reply | More ]
General Topics 05.22.08, 11:39 AM Flag
»
spammity spam spamming godammed spammers who won't stfu about their stupid boring site, isn't that right? [ Reply | More ]
General Topics 05.22.08, 11:40 AM Flag
»
I honestly don't know about the 'new site'. I'm a long time UBer, and haven't been on much at all lately. If you represent the typical UBer nowadays, I'd love to know about this new site that you hate so much. [ Reply | More ]
General Topics 05.22.08, 11:46 AM Flag
»
I haven't complained about it before - I just haven't been coming on much lately. I was just explaining to OP why it is quiet. [ Reply | More ]
General Topics 05.22.08, 11:38 AM Flag
»
I guess everyone's gone to the new site [ Reply | More ]
General Topics 05.22.08, 11:34 AM Flag
»
you should use it. please go there and quit posting about it here. I'm not going there, and I don't really want to see twenty posts a day about the place. If you can't figure out how this board works then you belong there. [ Reply | More ]
General Topics 05.22.08, 11:37 AM Flag
»
I do use it, and I stop by here too. This place sucks. [ Reply | More ]
General Topics 05.22.08, 11:38 AM Flag
»
buh bye spamela [ Reply | More ]
General Topics 05.22.08, 11:39 AM Flag
»
np: what is the new site? [ Reply | More ]
General Topics 05.22.08, 11:40 AM Flag
»
spam.com, check it out [ Reply | More ]
General Topics 05.22.08, 11:41 AM Flag
»
yawn [ Reply | More ]
General Topics 05.22.08, 11:45 AM Flag
»
really, could you tell me where the new site is? [ Reply | More ]
General Topics 05.22.08, 11:49 AM Flag
[ - ] Please help! DD had a fever Tuesday night and was out of sorts yesterday. This morning, she woke up crying inconsolably. She usually is not like this, and I couldn't tell what was wrong. She was fine later (although a little cranky) and is taking a nap now. Do you think this is an ear infection? I am not sure, she's never had one before. WDYT??? 5 Replies [ Reply | Watch | More ]
General Topics 05.22.08, 11:21 AM Flag
»
I think you should take her to the doctor [ Reply | More ]
General Topics 05.22.08, 11:22 AM Flag
»
could be - if she has a fever, i would take to ped [ Reply | More ]
General Topics 05.22.08, 11:22 AM Flag
»
her fever was gone as of yesterday so I thought she just had a cold. She wasn't crying like this yesterday...I guess I should have called the doc in the morning but she seemed fine afterwards! Is this the way ear infections work? [ Reply | More ]
General Topics 05.22.08, 11:25 AM Flag
»
If she has an ear infection, she probably won't want to suck/eat, won't like laying down flat (for diapers, sleep), may wake frequently. Call the ped - they can take you through the symptoms. [ Reply | More ]
General Topics 05.22.08, 11:26 AM Flag
»
she was napping and woke up a few minutes ago crying but fell back to sleep. I think I'll keep an eye on her to see how she is. She ate all of her breakfast, but not lunch so I have no idea. I'll call the doc when she wakes up. [ Reply | More ]
General Topics 05.22.08, 11:27 AM Flag
[ - ] dd is finally growing out of her snugride. what's the next beat carseat to get? 9 Replies [ Reply | Watch | More ]
New York City 05.22.08, 11:21 AM Flag
»
britax marathon, says consumer reports. [ Reply | More ]
General Topics 05.22.08, 11:22 AM Flag
»
is this convertible? she's 1 but not 20 lbs yet [ Reply | More ]
General Topics 05.22.08, 11:22 AM Flag
»
yes - its from 5lbs [ Reply | More ]
General Topics 05.22.08, 11:23 AM Flag
»
what does she weigh? if its close, I would just face forward. flame away. [ Reply | More ]
General Topics 05.22.08, 11:24 AM Flag
»
she's 18 lbs. but she's been gaining weight pretty slowly about a lb a month! [ Reply | More ]
General Topics 05.22.08, 11:26 AM Flag
»
Just put it in rearfacing. [ Reply | More ]
General Topics 05.22.08, 11:26 AM Flag
»
when you say "it" you mean the seat not my dd, right? lol [ Reply | More ]
General Topics 05.22.08, 11:27 AM Flag
»
ITA--dd started in the marathon rear facing. Turned her front facing at 2 and will keep the seat until 5 and can move to a booster at 40 lbs [ Reply | More ]
General Topics 05.22.08, 11:33 AM Flag
»
I love our Recaro, but it only goes front-facing [ Reply | More ]
General Topics 05.22.08, 11:29 AM Flag
[ - ] Getting ready to do cio with 11 mo old. Want to hear your horror stories to mentally prepare! Know that he is going to cry for a long time - maybe hours - and will get really worked up and not sure i'll be able to handle it. Am full time wohm and have been rocking to sleep cause don't see DS as much as i'd like. 5 Replies [ Reply | Watch | More ]
General Topics 05.22.08, 11:20 AM Flag
»
no horror stories - they get hysterical and then calm down. just make sure to wind DS down before putting down for sleep. do it gradually. let him get used to the idea that you are there even when he does not see you. [ Reply | More ]
General Topics 05.22.08, 11:22 AM Flag
»
1 hour 45 min the first night. Just hang tough, have a glass of wine. In some ways it's not as bad as you think it will be b/c it's so horrible when they're waking up constantly and you're not getting any sleep and it takes hours to rock them to sleep... Good luck! [ Reply | More ]
General Topics 05.22.08, 11:23 AM Flag
»
I always would go in every 5 or 10 mins, same interval each time, and just pat and say its ok, then leave. felt better to me than not going in at all. all 3 kids are great sleepers. [ Reply | More ]
General Topics 05.22.08, 11:27 AM Flag
»
do check in and soothe on intervals. This is older than ideal for cio so db might become quite distressed when you dont come when he calls [ Reply | More ]
General Topics 05.22.08, 11:28 AM Flag
»
yes, he is going to be hysterical. he gets really really worked up. will he eventually just fall over out of exhaustion? he will probably poop too from distress. [ Reply | More ]
General Topics 05.22.08, 11:31 AM Flag
[ - ] Did you/will you donate or bank db's cordblood? 11 Replies [ Reply | Watch | More ]
General Topics 05.22.08, 11:20 AM Flag
»
No [ Reply | More ]
General Topics 05.22.08, 11:20 AM Flag
»
no [ Reply | More ]
General Topics 05.22.08, 11:20 AM Flag
»
I did because a friend's child was diagnosed with leukemia soon before I gave birth. With a cooler head now, I wouldn't. [ Reply | More ]
General Topics 05.22.08, 11:21 AM Flag
»
so did a private bank? I'm thinking of just donating it. [ Reply | More ]
General Topics 05.22.08, 11:22 AM Flag
»
Private company, yes. Much better to donate, I think. [ Reply | More ]
General Topics 05.22.08, 11:23 AM Flag
»
I have a relative with leukemia who has benefitted from lots of donations, so I feel like I want to donate to help some other family [ Reply | More ]
General Topics 05.22.08, 11:25 AM Flag
»
Yes, its better to donate! Did you know that if you bank it privately you cannot access it to be tested to see if it can help someone outside of your family nor are you permitted to donate it after? [ Reply | More ]
General Topics 05.22.08, 11:38 AM Flag
»
did not. waste of $ to bank, fine to donate but no one asked us to. [ Reply | More ]
General Topics 05.22.08, 11:21 AM Flag
»
op- my ob just gave me a form on donating to a bank. Just wondered if this was common. [ Reply | More ]
General Topics 05.22.08, 11:22 AM Flag
»
If someone had made it that easy for me to donate, I guess I would have, but it just wasnt readily available and not something that I was going to waste time looking into. If its that easy to donate, why not? [ Reply | More ]
General Topics 05.22.08, 11:24 AM Flag
»
donated - my hospital had it all set up - all I had to do was sign the form. [ Reply | More ]
General Topics 05.22.08, 11:36 AM Flag
[ - ] looking for website to order some kid of arts and crafts set for 9 yr old niece. not satisifed with target or TRU offerings. suggestions? 5 Replies [ Reply | Watch | More ]
General Topics 05.22.08, 11:19 AM Flag
»
either JoAnn, if you want a specific kit, or LON has a big bucket of stuff called "I'm not bored anymore" full of all sorts of things for crafts [ Reply | More ]
General Topics 05.22.08, 11:21 AM Flag
»
LON? [ Reply | More ]
General Topics 05.22.08, 11:22 AM Flag
»
land of nod [ Reply | More ]
General Topics 05.22.08, 11:25 AM Flag
»
hatch.com Lots of great art supplies (not so much the kits) and cheap! [ Reply | More ]
General Topics 05.22.08, 11:25 AM Flag
»
^^also, try magiccabin.com for some sets [ Reply | More ]
General Topics 05.22.08, 11:25 AM Flag
Refresh » New Post »
close [X]

close [X]

Select a Category (only 1)

category
Stages
Regions