Bad timing

[Copper]

@Jolly said in Bad timing:

See there, prayer helps.

Yes, and thoughts too.

[Doctor Phibes]

@Jolly said in Bad timing:

@Doctor-Phibes said in Bad timing:

We also found a second mortgage provider who seems ok with a septic tank designed for only 4 bedrooms in a 5 bedroom house, when we're only using it as a 3 bedroom house.

Now we just wait for the septic inspection results...

See there, prayer helps.

So does cursing, apparently.

[Horace]

This is why I like the place we originally contacted for:

Well I like other stuff about it but that water view is my favorite part. Might still try to negotiate for it. But chances are not good that we end up there.

[89th]

@Horace Yeah that is a really nice view. Also it faces east so you get nice sunrises, and also you get some house-provided shade in the backyard in the evening, which is great. Although it sounds like you may not end up there, I could see some really nice trees/bushes on either side providing a nice "framing" of that water view, too.

BTW we have the same fence.

Stupid question, is the water brown because of construction, dirt, or is that just the color in Texas?

[Mik]

@Doctor-Phibes said in Bad timing:

After the open house this weekend, we just had two offers on our place - both for $20K over asking price (which will cover the neighbours septic cost). I don't want to jinx things, but things are actually looking up....

Karma. Even God reads TNCR.

[Doctor Phibes]

@Mik said in Bad timing:

@Doctor-Phibes said in Bad timing:

After the open house this weekend, we just had two offers on our place - both for $20K over asking price (which will cover the neighbours septic cost). I don't want to jinx things, but things are actually looking up....

Karma. Even God reads TNCR.

I feel like this massive weight lifted off my shoulders. They start digging up the front yard next week, so we'll have a pool of water just like Horace!

[Jolly]

Just for shucks and grins, have you checked out any waterfront real estate on Lake Sam Rayburn or the Texas side of Toledo Bend? That'll put you closer to Beaumont or Hemphill, which certainly isn't Houston, but there are some nice places on the lakes, depending where you are.

[Doctor Phibes]

It strikes me that the problem with being close to a lake is that, like mortgage rates, water levels can go up as well as down.

I speak as somebody who works for an insurance company. Water is not always our friend.

[Horace]

@89th said in Bad timing:

@Horace Yeah that is a really nice view. Also it faces east so you get nice sunrises, and also you get some house-provided shade in the backyard in the evening, which is great. Although it sounds like you may not end up there, I could see some really nice trees/bushes on either side providing a nice "framing" of that water view, too.

Yes I would plant trees to the right of the water. They would block the view of a bunch of houses along the water on that side too.

BTW we have the same fence.

Great fence.

Stupid question, is the water brown because of construction, dirt, or is that just the color in Texas?

That 's construction. The older sections of the development are clear. But it does take a long time for the water to clear up. As in a year or more. They will also put a fountain in the middle of that view. The fountains are particularly ridiculous when they are spraying muddy water, which we've seen in this development.

[Horace]

@Jolly said in Bad timing:

Just for shucks and grins, have you checked out any waterfront real estate on Lake Sam Rayburn or the Texas side of Toledo Bend? That'll put you closer to Beaumont or Hemphill, which certainly isn't Houston, but there are some nice places on the lakes, depending where you are.

Nope, I'll check into it though. Thanks for the recommendations.

[Horace]

@Doctor-Phibes said in Bad timing:

It strikes me that the problem with being close to a lake is that, like mortgage rates, water levels can go up as well as down.

I speak as somebody who works for an insurance company. Water is not always our friend.

It's a man-made retention pond, designed to collect water, to prevent floods. Otherwise the developer would have built more homes there to maximize their profit.

[89th]

@Horace Cool... I can see why that is a selling point.

[Doctor Phibes]

@Horace said in Bad timing:

@Doctor-Phibes said in Bad timing:

It strikes me that the problem with being close to a lake is that, like mortgage rates, water levels can go up as well as down.

I speak as somebody who works for an insurance company. Water is not always our friend.

It's a man-made retention pond, designed to collect water, to prevent floods. Otherwise the developer would have built more homes there to maximize their profit.

OK, that makes sense.

[89th]

@Horace said in Bad timing:

@Doctor-Phibes said in Bad timing:

It strikes me that the problem with being close to a lake is that, like mortgage rates, water levels can go up as well as down.

I speak as somebody who works for an insurance company. Water is not always our friend.

It's a man-made retention pond

SO SEXIST.

[Jolly]

@Doctor-Phibes said in Bad timing:

It strikes me that the problem with being close to a lake is that, like mortgage rates, water levels can go up as well as down.

I speak as somebody who works for an insurance company. Water is not always our friend.

Lad, Toledo Bend is the largest reservoir in the U.S. created without federal government funds. In terms of size, it's number 16 on the list of the top 25 in the U.S. Rayburn is number 17.

Don't think you have to worry about them getting too high, although too low might be a problem.

[Doctor Phibes]

@Jolly said in Bad timing:

@Doctor-Phibes said in Bad timing:

It strikes me that the problem with being close to a lake is that, like mortgage rates, water levels can go up as well as down.

I speak as somebody who works for an insurance company. Water is not always our friend.

Lad, Toledo Bend is the largest reservoir in the U.S. created without federal government funds. In terms of size, it's number 16 on the list of the top 25 in the U.S. Rayburn is number 17.

Don't think you have to worry about them getting too high, although too low might be a problem.

Yes, yes, very nice. But you live in a State where they built a city below sea level. Not exactly mankind's smartest hour, even if the music was exceptional.

[Jolly]

@Doctor-Phibes said in Bad timing:

@Jolly said in Bad timing:

@Doctor-Phibes said in Bad timing:

It strikes me that the problem with being close to a lake is that, like mortgage rates, water levels can go up as well as down.

I speak as somebody who works for an insurance company. Water is not always our friend.

Lad, Toledo Bend is the largest reservoir in the U.S. created without federal government funds. In terms of size, it's number 16 on the list of the top 25 in the U.S. Rayburn is number 17.

Don't think you have to worry about them getting too high, although too low might be a problem.

Yes, yes, very nice. But you live in a State where they built a city below sea level. Not exactly mankind's smartest hour, even if the music was exceptional.

Shucks, the Dutch built Amsterdam below sea level and it doesn't seem to bother them much...

[Doctor Phibes]

@Jolly said in Bad timing:

@Doctor-Phibes said in Bad timing:

@Jolly said in Bad timing:

@Doctor-Phibes said in Bad timing:

It strikes me that the problem with being close to a lake is that, like mortgage rates, water levels can go up as well as down.

I speak as somebody who works for an insurance company. Water is not always our friend.

Lad, Toledo Bend is the largest reservoir in the U.S. created without federal government funds. In terms of size, it's number 16 on the list of the top 25 in the U.S. Rayburn is number 17.

Don't think you have to worry about them getting too high, although too low might be a problem.

Yes, yes, very nice. But you live in a State where they built a city below sea level. Not exactly mankind's smartest hour, even if the music was exceptional.

Shucks, the Dutch built Amsterdam below sea level and it doesn't seem to bother them much...

They're a lot taller than average so it's probably less concerning for them

[Horace]

Well sometimes my care free ne'er do well attitude doesn't pay off. I've been asking my company what sort of pay cut I could expect, should I move to TX, for months, but HR and my manager have been hemming and hawing. I decided to take the plunge anyway. How bad could it be? I was alerted yesterday that the by the book pay cut would be 20%. It's yet to be finalized. That would be painful and hardly made up for by the lack of an income tax.

I think their cost of living numbers, which this is based on, are from several years ago, before the COVID housing boom in this state. Hopefully they'll be able to do something about it. My manager said nice words about the forthcoming discussion with the holders of the purse strings, when the HR lady told us the news.

Anyway, better to make more early career than late. My savings will continue to work for me anyway, at a rate that should, with any luck, make the pay cut insignificant.

I could always find another job. I kid, I kid. I'm way too lazy for that.

[Mik]

@Doctor-Phibes said in Bad timing:

@Mik said in Bad timing:

@Doctor-Phibes said in Bad timing:

After the open house this weekend, we just had two offers on our place - both for $20K over asking price (which will cover the neighbours septic cost). I don't want to jinx things, but things are actually looking up....

Karma. Even God reads TNCR.

I feel like this massive weight lifted off my shoulders. They start digging up the front yard next week, so we'll have a pool of water just like Horace!

It'll be a bit darker brown I suspect.