Buckeyes_Suck Posted September 4, 2020 Share Posted September 4, 2020 1 minute ago, OSUmetstud said: Swedes are not acting like they normally would before the pandemic...just like other places in the world. You can look at the mobility and open table data. I agree but they are taking a much less economically and civil rights damaging approach. Link to comment Share on other sites More sharing options...
OSUmetstud Posted September 4, 2020 Share Posted September 4, 2020 Just now, Luke_Mages said: Yea and @BuffaloWeather agreed. Its not a crazy idea. Morbidity rate among the young and healthy is estimated to be less than that of influenza. So build herd immunity to save the truly at risk, the elderly, diabetic, and obese. It's ****ing insane, no government or public health expert thinks that's a good or reasonable idea. Good lord. And that's not true, only less in kids. 1 Link to comment Share on other sites More sharing options...
OSUmetstud Posted September 4, 2020 Share Posted September 4, 2020 1 minute ago, Luke_Mages said: I agree but they are taking a much less economically and civil rights damaging approach. Plenty of the other countries economies are doing relatively well that have the virus under control. The US seems to like to have the worst mix of both. Link to comment Share on other sites More sharing options...
Buckeyes_Suck Posted September 4, 2020 Share Posted September 4, 2020 3 minutes ago, OSUmetstud said: It's ****ing insane, no government or public health expert thinks that's a good or reasonable idea. Good lord. And that's not true, only less in kids. https://www.nature.com/articles/d41586-020-00927-3 Link to comment Share on other sites More sharing options...
Buckeyes_Suck Posted September 4, 2020 Share Posted September 4, 2020 1 minute ago, OSUmetstud said: Plenty of the other countries economies are doing relatively well that have the virus under control. The US seems to like to have the worst mix of both. Like china? Link to comment Share on other sites More sharing options...
BuffaloWeather Posted September 4, 2020 Share Posted September 4, 2020 I'm going to stop commenting on here before the thread gets closed. Its a very controversial topic. Everyone has their own views. 1 Link to comment Share on other sites More sharing options...
OSUmetstud Posted September 4, 2020 Share Posted September 4, 2020 Just now, Luke_Mages said: https://www.nature.com/articles/d41586-020-00927-3 That's for vaccine research and it hasn't been done because it's unethical. There's enough covid around in the US to get a solid control arm without having to challenge. 1 Link to comment Share on other sites More sharing options...
OSUmetstud Posted September 4, 2020 Share Posted September 4, 2020 2 minutes ago, Luke_Mages said: Like china? How about Germany? Link to comment Share on other sites More sharing options...
Buckeyes_Suck Posted September 4, 2020 Share Posted September 4, 2020 1 minute ago, OSUmetstud said: That's for vaccine research and it hasn't been done because it's unethical. There's enough covid around in the US to get a solid control arm without having to challenge. I think I could argue the ethical part. Its simply the sacrifice one to save many argument. Link to comment Share on other sites More sharing options...
BuffaloWeather Posted September 4, 2020 Share Posted September 4, 2020 Don't get me wrong. I take Covid very seriously. If my mom gets it, shes likely dead. I'm listening to the doctor talk to my mom right now at Roswell on speaker and he is telling her to stay away from everyone. 1 Link to comment Share on other sites More sharing options...
OSUmetstud Posted September 4, 2020 Share Posted September 4, 2020 12 minutes ago, Luke_Mages said: I think I could argue the ethical part. Its simply the sacrifice one to save many argument. You would have to know potential long term effects, which we don't because the disease has only been around for 6 months. 1 Link to comment Share on other sites More sharing options...
Buckeyes_Suck Posted September 4, 2020 Share Posted September 4, 2020 2 hours ago, OSUmetstud said: You would have to know potential long term effects, which we don't because the disease has only been around for 6 months. I get the risk, and my point is that its one that myself and others would be willing to take if it meant helping a cause. I get on my motorcycle everyday knowing the risks, and that's probably way more risky than covid. And like @BuffaloWeather I do take it seriously. There are people in our family that my wife and I dont go near because were constantly exposed to new people because of our jobs. And thats what we should be doing, protecting the vulnerable while allowing the virus to spread among the non vulnerable at a rate the healthcare systems can keep up with. Because if theres never a vaccine we'll be crawling along for the next 133 years to get herd immunity. Link to comment Share on other sites More sharing options...
vortmax Posted September 4, 2020 Share Posted September 4, 2020 Can't wait for the vaccines to be available and for things to get back to normal. 2021 will be a good year...book it. 2 Link to comment Share on other sites More sharing options...
TugHillMatt Posted September 4, 2020 Share Posted September 4, 2020 3 hours ago, wolfie09 said: I would be lying if I said I wasn't tempted haha Probably take a look at it for the hell of it.. How much?? Let's all go in on it together! 2 Link to comment Share on other sites More sharing options...
brentrich Posted September 5, 2020 Share Posted September 5, 2020 NY cases is on rise right now, third day in a row over 1k cases. I have the feeling we will be going through second lock down soon. Get ready folks! Link to comment Share on other sites More sharing options...
wolfie09 Posted September 5, 2020 Author Share Posted September 5, 2020 Bidding war setting up for this cute house in scriba, heading there Sunday to see if I wanna throw my name in the hat lol 3bd 3ba 2000sq ft on nearly an acre and a half of land, nice screened in porch, fenced in backyard, in ground pool etc... Asking 159k, taxes last year less than 2k, must be haunted haha.. 1 Link to comment Share on other sites More sharing options...
wolfie09 Posted September 5, 2020 Author Share Posted September 5, 2020 My real estate agent called last night and said people were making offers without even seeing the place lmao The owners won't accept any offers until the weekend showings are finished.. Link to comment Share on other sites More sharing options...
BuffaloWeather Posted September 5, 2020 Share Posted September 5, 2020 5 minutes ago, wolfie09 said: My real estate agent called last night and said people were making offers without even seeing the place lmao The owners won't accept any offers until the weekend showings are finished.. My friend sold their house in less then 24 hours. No viewings, just online pictures. They also waived inspection and put 20% down. They went 15k above asking for a 150k house. It's insane out there. With rates so low, people can afford more expensive homes. 1 Link to comment Share on other sites More sharing options...
BuffaloWeather Posted September 5, 2020 Share Posted September 5, 2020 I bought my house for 160k last year, it officially got appraised at 190k a few weeks ago. Crazy market. 1 Link to comment Share on other sites More sharing options...
brentrich Posted September 5, 2020 Share Posted September 5, 2020 1 hour ago, BuffaloWeather said: I bought my house for 160k last year, it officially got appraised at 190k a few weeks ago. Crazy market. With economy going back to normal in few years, your house will be back to where it was unless you want to sell it now to make some profit It's good time to refinance right now, I did mine last week 15 years for 2.15% and only have to pay $850 monthly (included taxes and insurance) - GOOD DEAL! 1 Link to comment Share on other sites More sharing options...
CNY_WX Posted September 5, 2020 Share Posted September 5, 2020 1 hour ago, wolfie09 said: Bidding war setting up for this cute house in scriba, heading there Sunday to see if I wanna throw my name in the hat lol 3bd 3ba 2000sq ft on nearly an acre and a half of land, nice screened in porch, fenced in backyard, in ground pool etc... Asking 159k, taxes last year less than 2k, must be haunted haha.. How close is it to the nuke plant? My niece is a real estate agent and she’s been selling houses like crazy in one day above list price. Link to comment Share on other sites More sharing options...
TugHillMatt Posted September 5, 2020 Share Posted September 5, 2020 Wow! Looks like we'll stay nestled in our apartment until at least our contract ends at the end of February. Who knows what things will look like then...Well, probably January, because the landlords will be pushing to know what we're doing...:P 1 Link to comment Share on other sites More sharing options...
Thinksnow18 Posted September 5, 2020 Share Posted September 5, 2020 6 hours ago, BuffaloWeather said: I bought my house for 160k last year, it officially got appraised at 190k a few weeks ago. Crazy market. 239K 2016 appraised at my refi this year 286K 2 Link to comment Share on other sites More sharing options...
wolfie09 Posted September 5, 2020 Author Share Posted September 5, 2020 The house in Altmar appraised at 238k (2018) and I got it for 182k , probably shouldn't of sold it lol It really was hell of a deal.. 1 Link to comment Share on other sites More sharing options...
wolfie09 Posted September 5, 2020 Author Share Posted September 5, 2020 Old lady went for a pre approval through bank of America, never again lol She went for a conventional loan yet they set her up with an FHA (interest rate 3.75%)lol No sellers want to deal with FHA..She tried to get it switched and they gave her an attitude and said they had no other programs for her..She has good credit (760), good job and good savings lol Luckily our real estate agent contacted northern credit union who she goes through all the time, they ran her information and offered an 80/20 conventional loan at 3.1%..Due to her good credit the credit union will pay the 20% down payment and we will have a separate small loan..This obviously saves money out of pocket as well as eliminating private mortgage insurance..We can also ask for 6% sellers concession and pay nearly nothing out of pocket for closing but I doubt that's much of an option with the current market lol Link to comment Share on other sites More sharing options...
wolfie09 Posted September 5, 2020 Author Share Posted September 5, 2020 5 hours ago, CNY_WX said: How close is it to the nuke plant? My niece is a real estate agent and she’s been selling houses like crazy in one day above list price. About 6 miles or so, pretty much"downtown" scriba.. Link to comment Share on other sites More sharing options...
wolfie09 Posted September 5, 2020 Author Share Posted September 5, 2020 If I don't find a house soon I'll be spending the first part of winter in lewis county lol Not the worst thing in the world, at least for me haha 1 Link to comment Share on other sites More sharing options...
BuffaloWeather Posted September 5, 2020 Share Posted September 5, 2020 I plan on keeping this house for 5-6 years and then buying another out in the country with some land. (North Boston/East Eden) Hopefully by then we’re both working from home so I won’t have to worry about commuting. I could easily rent this out for $1500 a month. My payment per month with taxes will be $1000. Ill be making $500 a month while my home gets paid off. That’s the plan at least. Link to comment Share on other sites More sharing options...
BuffaloWeather Posted September 5, 2020 Share Posted September 5, 2020 1 hour ago, wolfie09 said: Old lady went for a pre approval through bank of America, never again lol She went for a conventional loan yet they set her up with an FHA (interest rate 3.75%)lol No sellers want to deal with FHA..She tried to get it switched and they gave her an attitude and said they had no other programs for her..She has good credit (760), good job and good savings lol Luckily our real estate agent contacted northern credit union who she goes through all the time, they ran her information and offered an 80/20 conventional loan at 3.1%..Due to her good credit the credit union will pay the 20% down payment and we will have a separate small loan..This obviously saves money out of pocket as well as eliminating private mortgage insurance..We can also ask for 6% sellers concession and pay nearly nothing out of pocket for closing but I doubt that's much of an option with the current market lol Never go fha, youll be paying PMI for the life of the loan. Always go conventional. 1 1 Link to comment Share on other sites More sharing options...
BuffaloWeather Posted September 5, 2020 Share Posted September 5, 2020 My wife has interview at a financial institution work from home job next week working in litigation in mortgage. 2 Link to comment Share on other sites More sharing options...
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