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RE: Kicka - #4 - 10/8/2008 11:57:19 AM
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uponeagleswings
Posts: 1711
Joined: 4/12/2005
From: Out here in the desert
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quote:
ORIGINAL: SweetLittleErin
$37,000 would buy you a decent, not great, house in this area. Our 3 bedroom, 2 bath, brick house, on 1/4 of an acre costs us somewhere around $70,000. $100,000 will buy you a brand new, brick house, in a sub-division. $200,000 will buy you a VERY nice house. The "mansion" quality houses (thats a relative term) in this area would run you around $500,000 or so. So....any one want to come live near me! It'd be great fun! 
The starting rate for fixer uppers here is around $100,000. Used and new houses in subdivisions are $150-$200K, and UP- this is AFTER the prices stabilized. The market here was out of control for a few years.
Here's what happened when we bought our house: we were newly married, with no real income record. They STILL approved us for much more than we could have afforded in payments. We found a great house that we liked that was within our budget (teacher's salary). The only way they would approve us for that amount (even though it was within our budget), was to do 5 years as an interest only loan (we put extra toward the principal every month) with the option to refinance after that. Our 5 year plan included DH finishing his accounting degree, and my teaching and moving up the salary ladder, so we figured that in 5 years the higher payments wouldn't be a problem, and there are rules written into our contract for how much the interest can adjust either way (so it couldn't go sky high when we refinanced).
Well, 4 years later DH is still 2 years from finishing his accounting degree, and I've changed to a job I love, but I'm now making LESS than I was 4 years ago as a first year teacher. Even after all of the market corrections our house is still worth quite a bit more than we paid for it. We've tried to guesstimate what our payments should be when we refinance in a year (based on the interest limits in our contract), and it will be more but still within our budget.
Now, I'm NOT holding this up as an example of optimal financial planning, so NO judgment please. More an example of how people can do what they think is responsible and still not have things work out the way we planned. I'm not sure what we would have done differently (rent would have cost us more than a mortgage at the time), and I do think God led us to this house. He has been with us through all of this, so I have faith that He has a plan for all of this- I just wish I had a better idea of what it is.
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RE: Kicka - #4 - 10/8/2008 12:07:15 PM
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lexie
Posts: 3054
Joined: 6/27/2005
From: Toronto
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quote:
It was 10 years ago, in a tiny town in a rural area south of St. Louis, MO. Actually, the house is now on the market again for $64,000! I found it on realtor.com. The price has nearly doubled in 10 years.
LOL! We're looking in a town right outside of the city, and the next town over. The top of our price range is $250,000 and that will get us a 3 bedroom, 2 bath detached house with not a lot of yard. As I said though, slowly bigger houses are creeping in (some even with a pool!).
We do realize that we could move elsewhere and find much more for the same price, but we don't want to be too far from the city and we are ok with sacrificing space for location.
$100,000 will not get you anything around here. Townhomes start around $200,000 now. But like I said, cost of living is VERY different here.
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RE: Kicka - #4 - 10/8/2008 7:37:55 PM
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uponeagleswings
Posts: 1711
Joined: 4/12/2005
From: Out here in the desert
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It snows here on occasion (maybe 1x every year or two). It generally doesn't stick though- too much heat in the ground.
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RE: Kicka - #4 - 10/8/2008 8:30:57 PM
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Roberta_
Posts: 6988
Joined: 9/28/2007
From: East Bay Area
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We have a change of seasons.... I can't remember exactly what they are called though. I think they are earthquake, mudslide, drought and hot, but I'm not sure. I should know that since I spent most of my childhood in CA.
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RE: Kicka - #4 - 10/8/2008 8:43:37 PM
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PrincessDonna
Posts: 10420
Joined: 4/11/2005
From: Cow country, Upstate NY
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NicoleCan, we have great seasons here and houses are much cheaper than what I'm hearing here. For $100,000, we could get a house with lots of recent upgrades and in a great neighborhood. For $60,000, we could get a good sized house that needs a bit of work. For $40,000, we could buy our HUGE house that needs a lot of work. 
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RE: Kicka - #4 - 10/8/2008 9:02:29 PM
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ncgrlnhisgrip
Posts: 44
Joined: 4/12/2005
From: Nowhere, turn left
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We bought a single-wide mobile home as our first house- with CASH! We rented the lot that it was parked on, though, and the landlord decided he wanted to get out of the rental business, so we were out with less than 2 years under our belt and no extra money. We moved in with my parents. What started out as "for 6 months, tops" wound up as nearly 4 years! But, we were able to save and learn to live on 1 income. Plus, when our daughter came along and I suffered life-threatening health problems, we didn't have to worry about finding someone to keep my daughter while I recovered- my mom took a leave from her work to stay with me and we never missed 1 payment on anything!
After living with my folks, we saved up to build a house that we have now been living in for a year with every payment made within our means. We did go over-budget, but this home will be the one we live in indefinitely, so we felt like it was a necessary amount to get a decent house. Although, now I'm thinking about prices and we can sell our house and buy 2 or 3 of Rachel's houses! 
Single wides and living with parents aren't the "American dream," but they sure are affordable!
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--Dana--
If I'm here, its only a mirage... keep watching, I'll disappear again.
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RE: Kicka - #4 - 10/8/2008 10:16:21 PM
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lexie
Posts: 3054
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From: Toronto
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quote:
I would miss my seasons if I moved.
Gee Nicole, which of the two seasons would you miss - winter or construction?
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RE: Kicka - #4 - 10/8/2008 10:35:52 PM
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uponeagleswings
Posts: 1711
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From: Out here in the desert
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What about mosquitoes? Or black flies? Do you have those there? We had them in Michigan.
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RE: Kicka - #4 - 10/9/2008 11:18:47 AM
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danas_mom
Posts: 556
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OK, who is it that knows how to read the original Greek/Hebrew of the Bible? Is it Isaacsmom? I need some help.
John 8:7-9 " So when they continued asking him, he lifted up himself, and said unto them, He that is without sin among you, let him first cast a stone at her. And again he stooped down, and wrote on the ground. And they which heard it, being convicted by their own conscience, went out one by one, beginning at the eldest, even unto the last: and Jesus was left alone, and the woman standing in the midst."
I'm participating in a discussion about the word 'convict' and the guys I'm discussing with are getting into debates about the meaning of the word convict/ed/ion - I need to know what the original phrase used there was and how it would translate literally today. Thanks!
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RE: Kicka - #4 - 10/9/2008 12:08:04 PM
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TammyIsBlessed
Posts: 1639
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I gripe and complain about the long winters and the mosquito/construction season along with the best of them - but, truly, I'd miss it if we moved somewhere it never snowed.
I would LOVE for it to just dip down to -10C for about 4 weeks at Christmas/New Year's with lots of snow, and then it could melt and go back up to 15C until summertime. Anybody got that weather?
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I am only one, but still I am one. I cannot do everything, but still I can do something. I will not refuse to do the something I can do. Helen Keller
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RE: Kicka - #4 - 10/9/2008 5:58:27 PM
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magdaleine
Posts: 5159
Joined: 4/11/2005
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quote:
We have a change of seasons.... I can't remember exactly what they are called though. I think they are earthquake, mudslide, drought and hot, but I'm not sure. I should know that since I spent most of my childhood in CA.
That is so funny!
quote:
John 8:7-9 " So when they continued asking him, he lifted up himself, and said unto them, He that is without sin among you, let him first cast a stone at her. And again he stooped down, and wrote on the ground. And they which heard it, being convicted by their own conscience, went out one by one, beginning at the eldest, even unto the last: and Jesus was left alone, and the woman standing in the midst."
I'm participating in a discussion about the word 'convict' and the guys I'm discussing with are getting into debates about the meaning of the word convict/ed/ion - I need to know what the original phrase used there was and how it would translate literally today. Thanks!
I use bible.crosswalk.com to access Bible tools including the NAS with Strongs. Strongs gives the original words, their meanings, the various ways those words are translated, and every place in the Bible that that original word is used.
So I looked up this passage. The bolded part is not in the NIV or the NAS. Check it out here.
I love the four seasons (except for Spring when it's sloppy and dirty outside).
When we bought our current house 24 years ago, it was underpriced at $75,000. In the last couple of years, houses have sold on our block for $500,000. It boggles the mind.
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RE: Kicka - #4 - 10/9/2008 6:08:20 PM
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lexie
Posts: 3054
Joined: 6/27/2005
From: Toronto
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quote:
I gripe and complain about the long winters and the mosquito/construction season along with the best of them - but, truly, I'd miss it if we moved somewhere it never snowed.
I complain about winter as well but I truly love the first snowfall, staying inside during a snowstorm and watching it from the window with a cup of tea, and not to mention my totally hot red winter jacket I just bought! I would definitely miss winter.
Fall is my favourite though, when you first get out the jackets and scarves, there's a nice breeze out and the leaves are changing colour (we overlook the valley so it's beautiful right now.)
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RE: Kicka - #4 - 10/9/2008 7:00:07 PM
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manda59
Posts: 6025
Joined: 9/22/2005
From: Hampshire, UK
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quote:
ORIGINAL: magdaleine
I use bible.crosswalk.com to access Bible tools including the NAS with Strongs. Strongs gives the original words, their meanings, the various ways those words are translated, and every place in the Bible that that original word is used.
So I looked up this passage. The bolded part is not in the NIV or the NAS. Check it out here.
The bolded words are from the King James' Version. I use e-Sword, which shows a number of different versions, and that's where I found the verse.
The verse with Strong's numbers is:
"Joh 8:9 And1161 they which heard191 it, being(2532) convicted1651 by5259 their own conscience,4893 went out1831 one by one,1527 beginning756 at575 the3588 eldest,4245 even unto2193 the3588 last:2078 and2532 Jesus2424 was left2641 alone,3441 and2532 the3588 woman1135 standing2476 in1722 the midst.3319"
So the Strong's number for convicted is 1651 which is:
"elegchō
el-eng'-kho
Of uncertain affinity; to confute, admonish: - convict, convince, tell a fault, rebuke, reprove."
That is then the meaning of "convict", in that context, direct from the Greek!
ETA: you can use magdaleine's link - just change the version to KJV with Strong's Numbers, click Find, and it will show you the verse, then you can click the word convicted and get the original meanings.
< Message edited by manda59 -- 10/9/2008 7:09:13 PM >
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RE: Kicka - #4 - 10/9/2008 7:19:15 PM
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magdaleine
Posts: 5159
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I wonder why, if that word is in the original, the other translations don't have it. I googled Strongs 1651 and found a site where I could view where the word occurs in the New Testament. That site showed it showing up in the KJV four times and in the NAS three times. So which is right? They can't both be.
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Maggie
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RE: Kicka - #4 - 10/9/2008 7:31:50 PM
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isaacsmom
Posts: 1989
Joined: 12/2/2005
Status: online
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Those differences in translation depend on whether that particular version was translated from the Critical Text or the Textus Receptus.
< Message edited by isaacsmom -- 10/9/2008 7:38:11 PM >
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