Buying your first home?[rebelmouse-image 18350966 is_animated_gif=
Well, we're not, because we're broke millennials, but maybe you are! And if you are--do you feel overwhelmed by the things to check for? Do you even know what to look for? Well, we're here to help.
u/pw1016 asked Reddit: What should someone know before buying their first house?
Here's what they had to say.
One Extra Step[rebelmouse-image 18350967 is_animated_gif=
When searching online, you'll see some great looking exterior pictures. Check Google Street View to see what the surroundings really look like.
That one extra step saved us from going to look at about half the houses in-person.
Gardens[rebelmouse-image 18350968 is_animated_gif=
Everyone talks about the house itself; the yard also matters in terms of how much work and expense the place will be. Is the landscaping competent? Is it kept up?
Lazy gardeners will often attempt a few quick fixes, leaving the buyer with serious work afterward.
Contracts[rebelmouse-image 18350969 is_animated_gif=
Go through the calculations in the paperwork. My husband found a $2,500 mistake. He had to argue it out before the company would acknowledge we were being double charged in one area. We think the company has been doing this for awhile. Most people accept what the professionals do as correct.
Sly Fixes[rebelmouse-image 18350970 is_animated_gif=
If the room below the bathroom has a freshly painted ceiling and it's the only one in the house, you probably have leaks somewhere.
Location Location Location[rebelmouse-image 18350971 is_animated_gif=
You can do a lot to a house in your time there. Repaint, redecorate, change the furniture, change the floors and wallpaper, add or remove walls, convert the attic or even add an extension.
You cannot change the location of your house, so make sure it's an area you like. Traffic noise, congestion, whether there's a lot of pedestrian footfall, and if it's affected by the environment (vulnerable to flooding etc.) should all be checked out.
Upkeep[rebelmouse-image 18350972 is_animated_gif=
When was the roof last replaced, how old is the oil tank/furnace, is there vinyl windows, is the knob and tube wiring replaced, where are your property lines, was there flood/fire/mold/bug/mice problems, how good are your neighbors, is there lead paint. these are just a few...also please buy something you can easily afford because of life
Where Are You?[rebelmouse-image 18350973 is_animated_gif=
Walk through the neighborhood a couple of times on different times during the week. Look at the facilities like shops in the neighborhood.
Also look at the local governments future plans for the neighborhood. That view from your house might get spoiled in 2 years and the value of your house could seriously drop.
In real estate location is everything.
Primordial Flood Plains[rebelmouse-image 18350974 is_animated_gif=
As someone living in an area that was affected by Sandy back in 2012 and purchased a house since then... please look up flood maps from FEMA before you even consider putting in an offer for a house. Sure, it might sound dumb if you think the general area can't be flooded, but just check to make sure... because insurance for that can be a pain.
Thanks to that and a fellow helpful redditor, I actually didn't put in an offer for a house that would have been in a floodzone and probably cost an arm and a leg to insure.
Energy[rebelmouse-image 18350975 is_animated_gif=
How the sun rises and dip throughout the day. It helps with light and heat in a house if it shines in the windows however if it doesn't your house feels cold and dark all the time.
The Little Things[rebelmouse-image 18350976 is_animated_gif=
I always tell people buying their first home to make an estimate of all the little things they'll need to buy and then double it. Most people have a handle on the bigger things they'll need to buy, but don't consider the smaller, ancillary things. Sure, you'll need a lawnmower and you know that, but did you also consider the gas can, the files/bench grinder to sharpen the blades, the weed whacker, a way to water it? Did you consider that you'll want to overseed and aerate and fertilize your lawn every year? Now your lawn looks amazing, but the landscaping looks terrible in comparison, so time to start looking into a wheelbarrow and some garden tools and shrubs and flowers. Now you have all these tools, but you're running out of space to store them. Maybe time to start looking into adding/upgrading your shed or reorganizing your garage to make more space. It all costs more than you'd expect.
Be realistic about what you'll need, because after plopping down your life savings for your down payment, you'll still need money left over if you have any plans of improving your property. Expect several trips to the hardware store every weekend and expect to be depressed every time you swipe your card.
False Inspector[rebelmouse-image 18350977 is_animated_gif=
I'm not sure how applicable this is outside of the UK, but i'll post it anyway:
Do not under any circumstances trust the surveyor / inspector your lender sends to check out the property. So many people try to save money on getting a proper full inspection because they think the bank's surveyor will cover them - they won't. Their job is not to make sure you're getting a deal or that the house is OK, is to check there is enough value in the property for the bank to recoup the loan by selling it at a low price if you default. Since our land values are so high, this is often satisfied by the value of the land alone, and I know people who've bought absolute lemons of houses because the bank surveyor said it was all OK, before later finding serious issues that cost a lot to fix.
Big Picture[rebelmouse-image 18350978 is_animated_gif=
After you put in your offer there's often some minor back and forth negotiating. For example, you offer $10,000 below their asking price and they counter with "OK, but we want to take the chandelier."
It's easy to get wrapped up in these negotiations and lose sight of the big picture. You probably didn't care about the chandelier, but as soon as they made it an issue you feel obliged to fight for it. "If you want the chandelier, then you have to throw in the patio furniture."
"No, we're keeping the patio furniture!"
"Screw you, the deals off!"
Don't let yourself get taken advantage of, but don't walk away from a good deal because of a minor disagreement.
Equity[rebelmouse-image 18350980 is_animated_gif=
Small but worthwhile fact: If your down payment is less than 20% of the home's price, you'll have to pay PMI (private mortgage insurance). But as you slowly pay it off and your equity rises above 20%, you can cancel the PMI.
I mention this for two reasons: so you're aware you'll be paying that monthly fee, and so you can make a note to cancel it when you get above 20%. (Your lender won't do that automatically - you have to inform them.)
Le Paint[rebelmouse-image 18350981 is_animated_gif=
For the love of god, if you don't like the color of the paint and that somehow makes the house less attractive, YOU CAN PAINT OVER IT YOUR GOD DAMN SELF.
Neighbz[rebelmouse-image 18350982 is_animated_gif=
My first house was more than I could afford, I had a constant feeling of drowning or a huge weight pressing down on my chest, my second house takes much less of my income to pay for and it feels really good. I can travel and do cool stuff with my family now.
Also, you are buying a neighborhood. Make sure you like the neighbors.
Tail Flipper[rebelmouse-image 18350983 is_animated_gif=
Never buy a house from a flipper. They are very good at covering up problems in such a way that you won't notice them until you've lived in the house for a bit.
After we bought our house, we discovered a bunch of problems clearly caused by shoddy work, but the plumbing was a doozy. One week after we moved in, sewage started leaking up from a floor drain that had been hastily covered up. Turns out main drain pipe under the house was falling apart . We spent a couple weeks with very limited water use and a trench dug through our finished basement.
With that in mind, make sure the home inspector scopes the plumbing, including the drain pipes leaving the house. They don't all do this, so make sure you ask.
Home Werk[rebelmouse-image 18350985 is_animated_gif=
Get the damn thing professionally inspected, and study the output report carefully.
Walk the neighborhood and look at the condition of the close neighbor's homes. Check for things like lawns covered in dog turds or junky half-repaired cars that could indicate loud neighbors or pets.
Figure out which rooms are going to get the most use and concentrate on selecting a house that provides those rooms. For example, if you like a lot of light and sun, ensure the decks and windows line up with where the sun is at. If you appreciate good food, prioritize the kitchen.
Costs Of Removal[rebelmouse-image 18350986 is_animated_gif=
If you have a lot of trees, have them checked out by an arborist, especially in the winter or spring if they haven't bloomed yet. When we bought our first house we had a lot of dead and very expensive trees to remove.
Repairs[rebelmouse-image 18350988 is_animated_gif=
It's not fun being "house poor". That's where you can't afford to do anything (travel, entertainment, travel, etc...) because of your payments. Just because your budget is 250k doesn't mean you should get a house for 249k. You don't need to spend the max. Get a 150 or 175k. Also, homes need repairs. Always something happening.
A Cohesive Unit[rebelmouse-image 18350989 is_animated_gif=
Check out the neighbors. You'll probably be looking at the house around mid-day, but keep in mind most people are at work during this time. If you check it out around 6-7, you get a much better feel for how the neighborhood operates. For example, is there that one family that hangs out in their front yard, letting their dog run around the neighborhood unleashed, with their child running around in diapers crying? Yeah, avoid that street.
In movies and TV, a character who is portrayed as highly intellectual has visible signifiers.
In real life, however, a person with a high IQ is not as easily identified by common Hollywood stereotypes of smart people.
"What is a subtle sign that someone is really intelligent?"
The minds of really smart individuals never stop working.
"They draw wisdom from multiple sources. Wait but that might be more wise than intelligent... But I guess those two tend to be seen together a lot."
"They are curious about everything."
"To be intelligent you need to be knowledgeable and you cant be knowledgeable if you are never curious."
The way highly intelligent people interact with others is slightly different.
"They can switch up the way they talk to match the person they're talking to without sounding condescending. They listen to how others learn and explain it in that person's language of understanding."
Talking On Level Ground
"Talking to people as if they're intelligent at their level and without being condescending or even letting on that it's lower than their level."
"I used to work with a doctor - Tom Howard - and the day I realized he was a genius was the time he guessed every single condition a patient of mine had based on minute pieces of information about him."
The Humble Professor
"No joke. The smartest professor I had in engineering school was also the most humble. She was an astounding human being. By week 2, she knew everyone's names by heart in the intro engineering course. In College. With like 180 students. Later, in upper division classes, people would occasionally ask some really stupid questions."
"Like, it happens... you get so deep into some fluid mechanics derivation or something you forget something really basic. People would ask a question like this and everyone would be thinking like; 'Wow, how did you even make it this far?' but then... it's like she would spot the flaw in their understanding so perfectly, and then respond with such clarity and wisdom that the person asking the question would look less stupid and the whole class would be enlightened."
"And here's the thing... I pride myself on being really good at that exact skill. I tutored a lot of people. I was easily one of the brightest amongst my peers. But that woman was on another level. It was mind-blowing."
"And it wasn't just her intelligence, but her organizational skills, discipline, consistency.... And yet... she was so humble. She was quiet and physically quite small. But she just exuded competence and immediately commanded every room she walked into. I've never seen anything quite like it."
A Positive Effect
"When they explain something they make you feel intelligent."
When In Doubt
"They know when their knowledge ends and say something to the extent of 'I don't know and anything else i say on this topic is ignorant speculation.'"
Some with impressive IQs may deal with questions in the following ways.
Reaction To Delayed Responses
"'You really think about everything don't you?' - a doctor, to me, after he asked me a question and I took longer than 2 seconds to answer it."
"No, I just pull something out of my ass every time and those extra seconds you waited for me to answer were purely to irritate you for my own enjoyment."
The Really Good Questions
"They can ask really good questions."
"Edit: to anyone not understanding what mean, I’m talking about people who ask 'really good questions,' not just any questions, really good ones. I don’t know how one would achieve this skill(I know I haven’t)."
"They spend time thinking before asking a question."
"Some of the smartest people don’t comment at all."
I agree with many of the comments saying a really intelligent person knows how to cater the conversation towards another person's level of understanding.
They do have the impressive skill to convey something in a way that can easily be understood. Some of the most venerated professors at my university were like this, and their classes were always the hardest to get in to.
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There are roughly 7 billion people on earth so being the top 1% of anything sounds like it might be an incredible honor.
Maybe you've received an award or a certification that only a few people have gotten. Or maybe you have a rare disease, which doesn't sound as fun.
We went to Ask Reddit to find the people who are in a top 1% of people.
Redditor I_Love_Small_Breasts asked:
"What are you in the 1% of?"
Here's some of the rare groups people are apart of or things they experience.
Could be totally great or totally inconvenient.
"If I shake my head in a certain way, I can give myself an orgasm. Never met anyone who can do that."
"Wow that sounds incredibly inconvenient."
"'Shaking my head' has a whole new meaning now. Damn."
Survived a flesh eating bacteria.
"Survived flesh eating bacteria in the bloodstream after sepsis. Most people die within 3 days."
"Had MRSA and sepsis because of an open wound on my left foot. Thing is a nurse was treating the wound with Santyl and it was fully bandaged at all times. The nurse changed the dressings 3 times a week but I still ended up in the hospital with antibiotics IV'd into each arm plus oral antibiotics. Spent 15 days in ICU having all my organs sonogramed for signs of the infection spreading. X-rays and MRI's to check for bone infections and when they released me I had to wear a wound vac pump for 2 months to seal the wound on my foot."
"I can stop my hiccups on command."
"There’s a superpower for sure."
This is way less than 1%
"I am one of only 1300 board certified Sexual Assault Nurse Examiners for the adult and adolescent population. In the world."
"I'm unsettled by how small that number is."
"To be fair, there are more SANE nurses, meaning nurses who take care of these patients and are qualified to do so. Being board certified just means I took an extra step after I reached a qualifying time to take a test to prove it. I’m actually up for renewal. At the time I first tested, I was one of something like 1100."
"Still, even knowing that, there aren’t enough SANEs or FNEs overall."
"I’m naturally ambidextrous. Apparently that’s something only 1% of people naturally are. I can use both right and left hands ably for any task. For example, I often switch which hand I write with based on how I’m sitting."
"It’s worth noting natural ambidexterity is not the same as learned or acquired ambidexterity. For example, left handed people often have to use things designed for right handed people but otherwise are left handed."
"I’m of the .002% of people with osteopoikilosis. This freaked the sh*t out of me because when I was diagnosed the first thing the doctor said was 'wow I’ve never seen this in anything but textbooks before.'"
"Basically, I have bones growing inside my bones. It’s not anything I should be worried about, at least for a while, so that’s nice."
How many people can say this?
"I've represented my country in the Paralympic games."
"That’s a really nice one! Which specialty?"
"Volleyball for Great Britain in the 1996 games in Atlanta."
"Not me but my dad."
"He was born with a backwards heart and didn’t find out till his heart attack a few years ago and it actually saved his life."
"His doctor later told him that after being a doctor for over 30 years he’d never seen someone with a backwards heart and that apparently 1% of people on the planet have it."
"I am diagnosed with Visual snow syndrome. Basically seeing through static. It may not be rare as thought but I am one of very few people to be formally diagnosed."
"Same! I figured it out when people didn’t see the static and I heard it mentioned! Used to think I was seeing molecules when I was a little kid haha."
HIV resistant gene mutation.
"I have a double gene mutation that makes me highly resistant or even immune to the HIV virus."
"Can doctors use your blood to help those with HIV?"
"I have the same mutation and I've donated samples towards research. I got an email last year about vaccine hopes but I'm not sure where it went."
There are some incredible people out there in the world, and thankfully the internet is bringing them all together.
It's fascinating to see how diverse humans really are.
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How you approach life's many trials and tribulations can say a lot about who you are. However, many of us don't necessarily learn some lessons so easily.
Life is complicated. It's messy. Few, if any things, go according to plan. On top of that, sometimes the way we handle our relationships or our obligations might not be the most healthy one.
You live, you learn... or so the saying goes.
People shared their stories after Redditor ryanblumenow asked the online community,
"What did you learn at great personal cost?"
"I broke three..."
"Never trust a ladder set up by someone else. I broke three of my lumbar vertebrae. Thankfully I recovered fully, but damn was that scary. I also bit through my lower lip. I have a nice scar as a memento."
This is terrifying. Glad you're still alive–that you healed is miraculous!
"Even if you work your hardest..."
"Even if you work your hardest, do everything right, and are a great employee… you may still be seen as expendable."
This is true. Your company will never be loyal to you. Don't bend over backwards. Do your job–don't sell your soul.
"That you need to be careful..."
"That you need to be careful what you put up with as it teaches people how to treat you. I lost a lot of 'friends' once I started to set boundaries."
This is very true. I can relate: I definitely lost a few so-called "friends" the second I began standing up for myself.
"This goes for all relationships..."
"Don't listen to what people say, but what they do. This goes for all relationships, both professional and personal."
Amen to that. It's a cliche, but actions absolutely do speak louder than words.
"Family can be just as toxic..."
"Family can be just as toxic for you as anyone else. Sometimes it's best to cut them out."
Ain't that the truth.
Are we trading toxic family stories now?
"If someone gets upset..."
"If someone gets upset at you for trying to establish boundaries with them, it's not you being mean or unreasonable, it's them not caring about your happiness."
This is spot on. Don't trust people who violate your boundaries. Your gut won't lie to you, not about this.
"You can't convince them."
"You cannot, even subtly, force someone to love you. You can't convince them. They either do or they don't, and it's on you to decide what to do with that unchangeable position in mind."
I feel like many people go through their 20s without learning this.
Not that I know anything about this... or anything like that.
"Just because you try to be a good friend..."
"That people aren't always your friend. Gaslighting is real. Just because you try to be a good person doesn't mean good things will happen to you."
Very true. Be very careful about what you put out there. Not everyone has good intentions, though this is not in anyway meant to imply that the world is terrible.
It isn't. Just be judicious.
"You can accomplish..."
"You can accomplish anything you set your mind to. Doesn't mean you should. Everything will cost more than you anticipate in ways you can't imagine."
That's a poetic way to put it! Spot on. Everything costs something, even your success.
"That you don't have to run off and get married. A marriage that only lasted one year cost me more than $10K. Life is not a race and you don't need to be married by a certain point or at all for that matter."
"Be patient, make yourself available, gravitate to those who understand you the most."
Awful. It sounds like you have peace of mind now, however, which is priceless.
Don't be so hard on yourself, by the way. We all learn at our own pace.
Here's a tip before we go: Your education is never complete. Life always something to teach you, so just accept it, be open to it, and go in grace.
Have some suggestions of your own? Feel free to tell us more in the comments below!
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Is there anyone who loved high school?
High school is a disaster. That is true for like... 95% of us.
it's like being branded. "I survived high school because of this!!"
The past is never really past, is it? What did you see?
Redditor HelloProxima wanted to go back and visit the teenage years, by asking:
"What is the most f**ked up thing that happened in your high school?"
I'm on the fence about high school. I want to hate it, but nostalgia haunts me. I saw a lot of violence, there is that.
We were on CNN.don lemon nodding GIF by Red Table TalkGiphy
"They started charging us for ketchup in the cafeteria. Most of the school boycotted cafeteria lunch and brought all manner of condiments from home. We were on CNN. They eventually caved." ~ Ash3Monti
No one liked him.
"I was big into drama club and musical theatre when I was in high school. There was a girl in the drama club in her freshmen or sophomore year who was super nice and everyone loved her. Her older brother on the the other hand, was a complete and total douchebag. No one liked him."
"He always made inappropriate comments or jokes and no one liked to be around him. One night, he was driving him and his sister back from school when he took a steep curve going around 100 mph. He lost control and hit a telephone pole. His sister died instantly and he was in a coma for a few weeks but ultimately survived."
"Myself and my friends in the drama club were devastated. She was one of the sweetest girls you'll ever met and we all loved her. A year or two later, the brother messages my sister and tries to use his sister's death as leverage to get laid. F**k you, you piece of crap." ~ FearTheKeflex
"Guidance counselor was taking bribes to change grades (Both money and sexual favors). Invited one male student over to his house. Had the student tie him up and hang him by chains in his basement "dungeon." Student was homophobic and while the counselor was tied up, bludgeoned him to death." ~ monthos
"This is not that extreme, but it's still disgusting. We have drinking water taps instead of fountains. One parent was suspicious of whether they were cleaning the tanks or not. So they made an announcement that the tank was being cleaned every single day."
"A lot of us didn't believe it, so a group of boys decided to see for themselves if it was true or not. So they put a dead frog in the tank when there was no one around. I don't even know where they found the frog but they swear they didn't kill it. Anyway the frog was there for a few weeks. And obviously the water started tasting weird."
"After the teachers got multiple complaints, they opened the tank and found the frog. The boys were punished, but they fired back with the fact that they lied about cleaning the tanks. They were still punished, because they proved it in a disgusting way. They could've put literally anything in the tank, but they chose a dead frog." ~ R00mTemperature
The QuadAcds2 Look Away GIF by Anime Crimes DivisionGiphy
"A worker doing stuff on the roof. He fell off. Landed in the 'quad' at lunch. A large piece of machinery fell and squished his head. Like a cartoon, only funny. Like 150 Kids saw this." ~ LordInventus
"The Latin kings gang threatened my cousin and his friends and they had 10 squad cars guarding the whole school and dismissed us the same day early." ~ Terrykrinkle
“it’s gonna blow”
"I had just moved in from Egypt to the states in my senior year of high school. A teacher thought it would be funny to fold a bunch of papers and wrap them in duck tape to make it look like a bomb and threw it my direction and went under his desk saying 'it’s gonna blow.' Everybody started laughing and I was so clueless then I just laughed along. It infuriates me to this day that I didn’t call him out on it or report him." ~ ezzabousaif
"Someone somehow made a bomb threat on a Swedish fish candy. Like one single piece. I don’t know how it happened but he got arrested." ~ ts_13_
"A couple weeks before graduation, this kid hacked into the school system and put a Hitler quote and a Boston bomber reference in the senior quotes for the yearbook. One of the affected parties was a trans girl, and we're still not sure if it was a targeted act because of that."
"Administration didn't find out until the entire senior class had received their books. Some people turned theirs in to get their pages replaced, but some kept it because it was a 'limited edition item' or some stupid sh*t like that. Kid got arrested and charged with cybercrime, since he hacked everyone in our school system's school passwords."
"He was so close to graduating too, but got expelled like two weeks before he could. Looked like a rat too. It was all over the news, and everyone in the state of CT basically knows about this now. Got out on bail for $5000." ~ kocorpsie
Good God!Season 3 What GIF by On My BlockGiphy
"We had a huge fight happen in the girls bathroom."
"Apparently one student brought drugs to school and was selling it to her friends. A completely unrelated student caught on and stole the drugs while everyone else was in class. She was caught snorting the drugs in the bathroom by the group selling the drugs and got the crap beat out of her."
"We also had a recently graduated student murder his parents for insurance money . He hid the bodies in a chicken coop and told everybody they were on vacation. It wasn't until 7 months later the bodies were found by the landlord because the rent was late." ~ randomgenericcow
Enjoy high school, at least try too. Maybe if more kids do that, it wouldn't be so insane.
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