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Q: Giving Up
asked by: oh_mommy on November 26th, 2007
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ok so it turns out the old lady decided she wants to sell her trailor... but... she wants a lump some of money, we cant get a morgage most likly... meaning nope we dont get it.. meaning we're still stuck here.. soooo
theres never anything here.. so we are stuck in crack condo thats molding and too small for us.. that also has a shitty mailman.. wooo...

someone shoot me now?
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Mabel
replied on November 26th, 2007
Moderator
To clean mold: use borax not bleach. Bleach won't keep it from coming back. Borax will.
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oh_mommy
replied on November 26th, 2007
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i cant help the mold thoufg, we hjave a moisture problem, the windows leak and thats causing yje wood in our condo to mold from, the moisture.. the wood to the attiic drips... we've complained... the rental company hasnt done a thing
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Mabel
replied on November 26th, 2007
Moderator
Everyone has moisture problems. You have to keep up on keeping the mold down by keeping that area cleaned. I have terrible moisture issues around my sweating windows - I have to wipe them down all the time. If you keep it away by swiping at it every few days, it won't be a problem. Wink
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oh_mommy
replied on November 26th, 2007
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no its not small moisture problem its a HUGE one.. when it rains it comes threw the windows, when its windy we get it threw the windows.. the windows arnt in proberly, its really bad.. thw wood by the windows is like sponge
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oh_mommy
replied on November 26th, 2007
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What do you girls think about morgages? I'm thinking of talking to shawn about getting one so we can own a place.. here renting is more expensive then owning..
the thing is weather or not we'd get approved shawn makes around 12,000$ a year. (im taking a wild guess btw) and places (for decent) are around 100,000$ so i went on our banks website and it said for a 25 year morgage of 100,000$ it would be 650$ thats about abit more then one of shawns cheaks.. so im thinking maybe if i get a job say 3ish nights a week say, thrusday, friday and saturday nights or something so i can bring in a couple hunred every 2 weeks? minimum wage is about 8$ a hour right now.. so what do you think? bad idea or good?
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Sandbox Party
replied on November 26th, 2007
Especially eHealthy
if he makes only 12K a year, thats 250 a week roughly.. only a grand a month. If you pay $650 of that to a mortgage, ya'll will be BROKE.

if you got a job, that would give u a little extra.. but if u worked part time it would be cutting it seriously close. you also gotta remember bills and home owners insurance.
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oh_mommy
replied on November 26th, 2007
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yeah i know... our rent here is already 550$ a month
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Sandbox Party
replied on November 26th, 2007
Especially eHealthy
what does shawn do for a living?
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Bridget
replied on November 26th, 2007
Especially eHealthy
Sandy_Pants wrote:
you also gotta remember bills and home owners insurance.


and interest on the mortgage!

i don't think a mortgage would be the best thing for you right now, sarah. do they have housing assistance there?
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Mabel
replied on November 26th, 2007
Moderator
There is no way you'd be approved for a mortgage with that kind of income without 10-20% down. Hard money and 100% LTV (loan to value) loans are very strict and tight right now with the massive foreclosures that are going on.
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oh_mommy
replied on November 26th, 2007
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Shawn details cars, and has been for a year and half now... we have rental assistance, its just we NEED to get out of this condo before something bad happens, but everything thats for rent is 900 and we'd still be in a crap shack just with another bedroom pretty well..
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Mommy35
replied on November 26th, 2007
Extremely eHealthy
I'd wait.

Owning a home is great on one hand. Your paying for something hopefully one day you will own, but owning a home has it's own issues. When something breaks or goes bad you have to fix it. You have to pay for insurance, utilities, and maintenence. It's very costly.
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oh_mommy
replied on November 26th, 2007
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yeah im aware of that... renting this this is pretty much the same though, if anything breaks the rental company does caca all so if we actually want it done we pretty much have to pay for it ourselves... its dumb i hate it...
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Sandbox Party
replied on November 26th, 2007
Especially eHealthy
LOL

shit turns into *caca* now.

lol

I ♥ Lee.
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Mabel
replied on November 26th, 2007
Moderator
oh_mommy wrote:
yeah im aware of that... renting this this is pretty much the same though, if anything breaks the rental company does caca all so if we actually want it done we pretty much have to pay for it ourselves... its dumb i hate it...


Contact a tenant law specialist in your area. You do not have to pay for any repairs on a rental. Nor should you have to.
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jenniek
replied on November 26th, 2007
Active User, very eHealthy
Would moving to another town be an option?? Maybe something with more affordable/nice appartments..
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oh_mommy
replied on November 26th, 2007
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nope not an opption.. we're in one of the cheapest towns around here, and im not moving hours away from my family.. plus then shawn would need a new job
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sick_mama17
replied on November 27th, 2007
Active User, very eHealthy
Ingi not everyone has moisture problems, my parents house doesnt.
Our place does unfortunately, I dont really know why? On the white window lining stuff around all the windows in the bedrooms and kitchen they seem to grow mould, why does that happen? I never even open the kitchen window because its broken. They are all double glazed, its not draughty by them either.
Sarah I keep cleaning the mould off too because its really not good for kids to have that in the air. I would call someone who can force the landlord to sort out all the repairs you need doing, especially the windows...you're going to freeze! They have to sort it out by law, dont let them get away with leaving it like that.
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rosejackson
replied on November 27th, 2007
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i'm sorry you didnt get the house. hope something better turns up soon
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