Today I saw a house for sale that I now crave. I have no illusions that I can actually have it, considering my "income," but I can still fantasize. I jogged over the river today into the half of the park where I don't go as often. I climbed down through the trees to the riverbank (where several of the giant carp I previously saved were cavorting sluggishly, as is their wont.) Across the river I could see a few little docks amongst the foliage, where people's lots back onto the river.
I decided I'd go back across the river and up that street (just for the heck of it) to see how those riverbank folk live, but from the front. It's a nice neighborhood, part of the "historic district." Of course there just had to be a house for sale (by owner) on the first block, so I sneaked around the lot just to imagine myself in it. It's a brick house, with a big tree-riddled yard that is quite overgrown in places, and at the back slopes steeply down to the river. I picture trimming away the underbrush and saplings to have an unobscured path down to the river, where I could have a canoe. I imagine my morning routine including feeding not only the squirrels and arboreal birds, but ducks! (And most likely, giant carp.)
I called the automated info-number when I got home, which informed me further that the house has newly refinished hardwood floors and a fireplace. And "old-world charm," whatever that might be. However, I am so uninformed about the house market in general that I couldn't tell whether the price they mentioned was in--thousands? Tens of thousands? Binary? What? Why can't they just say exactly what the price is ("nine hundred thousand dollars!") instead of this weird euphemistic numeric code ("twelve, fifty-four, eight!" ["hut!"])—-what the hell is that supposed to mean? None of those are the actual numbers the recording said, of course.
I wonder if it would be even close to feasible to pay on something like that instead of paying rent. What if I rented half of it to one of the newer PhD students, or something...
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Sometimes a mortgage payment can be cheaper than paying rent. There are programs to help po' folks buy homes, and realtors who specialize in that -- but I don't know where you'd look. Maybe call Jimmy Carter?
Plus you don't just give that $XXX/month to someone else. OTOH, if anything breaks, you have to fix it/pay for it to be fixed.
Yes, I picture there being constant maintenance as costly as the payments/taxes! (Otters in drainpipe: $578; Fungus under roof tiles: $2,867; Tree falling when no one heard it: $882; etc.)
You have to have a house inspector come through before you buy the house, so you'll know ahead of time if you have any fungus under yer tiles. Then you can re-negotiate with the seller or ask them to fix everything.
Ach, du Lieber! Raccoons!
Oh, and something like "One eighty-five nine" would translate as "$185,900.00."
I have a strong suspicion that the quarter-million-dollar home I like so much is a little out of my $14,000/yr income, regardless of any kind of government programs.
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