Bernie in Ventura, Pomona, & San Pedro: Rally Photos You Need to See #JHedzWorlD
In the span of about 24 hours, Bernie Sanders hosted three rallies in California that were, in his supporters’ words, absolutely yuuuuuuuge. More than 10,000 showed up in Ventura, thousands showed up in Pomona, and a thousand ventured out in the morning for a union-focused rally outside a museum in San Pedro. Despite disappointing news about a Bernie-Trump debate not happening, the huge turnouts for the rallies are helping supporters stay excited, knowing the race for the Democratic nomination isn’t over. If Bernie can pull off a big win in California and other primaries on June 7, there’s still a chance that he might walk away with the nomination after a contested Democratic convention in July. His supporters will be there for him every step of the way. Click through the gallery to see photos from Bernie’s rallies in Ventura, Pomona, and San Pedro, California, and read stories from people who were there. Carl Huffman was at the Ventura rally and shared this photo on Facebook. (Facebook)
We are a family of 3. Couple with one kid (2nd grade). We have been in states for 13 years. All these years we have been renting. So far I preferred to rent. But the rents are going up. Currently, for a decent 2 bed apartment, its costing up $1500+. Currently, we are renting a condo for $1300. So we are thinking of putting that amount towards mortgage and buy a house. Its in Illinois Chicago Suburbs. As a first time home buyer, so many questions…
First up some background:-
We both combined make close to 200K year. (My wife started working a year ago)
No Credit Card debts ever.
Bought a 2nd car last year for $18K (with 6K down payment and 12K loan for 2.5% interest. Paid about 6K.)
80K in bank for downpayment, if buying a house makes sense.
Credit score (Equifax 766, Transunion 739, don’t know the other one). Pulled in the reports. There were two late payments back in 2014 and another one in 2013. Credit history is a little over 9 years.
My wife does not have a credit card of her own. So not much credit history.
Monthly expenses about 2800, includes rent, school, car payment, groceries, etc.
Considering up to $300K home, if buying a home makes sense.
Questions:-
With rent $1500+, would paying that amount + a few more hundreds towards mortgage makes sense? Or still good with renting? I am planning to stay longer in one place. But I understand with renting, I can move freely. But each year, rent goes up by $100 to $150.
Buying a townhome vs single family home. Any pros and cons? I am actually looking for townhome the decent one I can buy for $250K. Single family home costs a little over $300K. Not that comfortable with that amount, unless there is a clear advantage over townhome. Everyone seems to suggest single family home. I am not looking for house as an investment, but as a saving from paying rent.
Mortgage: Should I go for 5/1 ARM or 30 year fixed or? The average rate for 30 year fixed is around 3.6. With my score (as mentioned above), can I get lower than 3 on 30 year fixed? possible?
Should I put more towards downpayment or pay extra every month? Or invest those amount instead of paying towards mortgage?
I don’t see much tax benefit here. 12.6K standard deductions would outweigh taxes + interest on $200K loan. Do I still benefit from buying a home vs renting?
Wow, you are in an excellent situation. If it was me here is what I would do:
0) I would only buy if I plan to stay in that location for about 5 years. If you are planning to move, then renting is not a waste of money. Also what are your future plans for your family? Are you planning on more children? Buy with that in mind.
1) At your salary, you could reasonably go a lot higher than 1500/month. Twice that would not be out of the question, but I’d stick around the 2100 mark.
2) I kind of hate condos/town homes for living or investment. The first is more of a personal choice. I would much rather have a single family detached home. However, that choice is yours. Keep in mind most condos/town homes have a signficant monthly fee which cuts into your monthly costs.
3) Stay away from any kind of ARM, interest rates are likely to go up not down. I’d rather have a 10 or 15 year fixed rate mortgage.
4) I’d put about 60K down and keep 20K for an emergency fund. Just sitting in a boring savings account, not earning anything, for emergencies only.
5) Huge question here, but yes you do benefit in many ways from buying instead of renting. For one, your “rent” mostly never increases. Property taxes and insurance might, but not the mortgage payment. Secondly the majority of your rent is for a limited time.
If you did a 15 year when you first got to the states, you’d be just about done paying off your home.
I see that you have considered the value of the tax deductions Presumably you are in a area with fairly low property taxes. Another thing to consider is that when you sell, as long as you use any capital gains to purchase another primary residence, those gains are not taxed.
Based on your income, you can buy a lot more house than that, so your range seems pretty prudent. I’m not sure it makes sense to put down more than the 20% required to avoid PMI at current interest rates. I would hold onto the extra cash for a rainy day fund and/or improvements. If you put it into the down payment, you need to sell to get it back. The paltry 3% or so you ‘make’ on it by lowering your mortgage doesn’t seem like it’s worth losing access to the funds over.
You seem concerned about being trapped in the house if you want to move. That’s a legitimate concern. The best way to minimize risk of that is to buy in a highly desirable area. You might be tempted to buy in a new development or a less desirable location so you can get more house, but these types of homes tend to be subject to more (downward) price volatility in a soft market.
I popped the following into a basic mortgage calculator: 240K, 3.6% interest and I get a payment of $1,091 a month. Assuming taxes of 1%, that’s another 250 a month. This is less than what you are paying now, right? In addition to paying less, you will be building equity in the home. Assuming that inflation will pick up, a lot of the value of a 30-year mortgage is that as time goes on, the payment becomes insignificant. Your taxes will likely increase but more slowly than rents. If you sell and have equity in the home, you can transfer that to the next home and which means a lower payment based on your priorities.
I often use the cliche “don’t let the tax tail wag the investing dog.” In this case it’s the house dog. If the tax consideration is enough to sway your decision either way, you need to sit down and re-evaluate the purchase. A bit more detail –
Say your state tax is 4% (pls add a state to your question if I’m way off, or no state tax.). That’s $8000 or so that starts your schedule A. The property tax will be added and put you over the standard deduction. On the $240K loan, the first year interest is $8640. That will save you just about $2400 or $200/mo in taxes. You make $200K. Do you see why this tiny bit should really have no influence on this purchase?
By coincidence, I just sold a townhouse (condo) today. It was purchased in 1987 for $119K, and sold for $180. 29 years, 50% gain. just under 1.4% average yearly gain. With inflation only, it should have sold for $250K. Do I wish I had purchased a house instead? It was nice to have someone do the work, but I still had to write the checks. Others would tell you that one anecdote doesn’t reflect a market, and especially in real estate, it’s all local.
I’ll also add another cliche – bankers will sell you just enough rope to hang yourself. Your $200K should qualify you to borrow nearly $800K in a mortgage. (Actually, a bit more) In my opinion, $240K isn’t just reasonable, it’s very prudent. You’ll set yourselves up to live on one income (assuming they are somewhat similar) and bank the rest. I’d put just 20% down, stay liquid, and save the maximum in you 401(k) and IRAs. I’d also get the 30 year, and further down the road, pay more to cut it short if you wish. If you are really debt averse, the 15 will have a slightly lower rate, but will still have a payment about 50% higher than the 30. With your income, no issue to do this, if you wish.
Even with all the Koro Sensei-related drama going on around them, the kids of Class E still have to think about what they’ll be doing after graduation (assuming the world doesn’t end, of course). As the students prepare for high school entrance exams, Nagisa does some personal soul-searching and realizes that he wants to become a teacher. Kayano has ambitions of her own, namely giving Nagisa chocolates for Valentine’s Day and confessing her feelings for him. Irina and Karasuma tackle a couple of important topics over a Valentine’s dinner, while Koro Sensei has a chat with the principal back at school. It’s mostly all fun and games, but there are some sinister schemes brewing in the background.
With the “kill or save” debate finally put to rest, this episode provides Assassination Classroom with an opportunity to slow down and give the characters a moment to breathe. The show draws on some of its core sources of humor here: Koro Sensei doing outlandish things in silly outfits, the quirky energy of Class E, and the charmingly awkward chemistry between Karasuma and Irina. It’s kind of nice to see these old standards revisited, even if it means that the comedy doesn’t cover an awful lot of new ground. Sticking with known quantities on the comedic front also allows the episode to spend more time and effort on the characters themselves. With a couple of students facing major decisions this week, the show certainly needs the extra screen time.
In hindsight, it seems obvious that Nagisa would want to emulate Koro Sensei by becoming a teacher. It feels like a natural path for him to take as a character, and it makes for a neat arc from present-day student to future mentor. It’s certainly a more heartwarming choice than his previous idea of becoming a professional assassin. Even if Kayano’s own deliberations don’t come to a similarly warm and fuzzy ending, the process does at least provide some entertainment along the way. Ultimately though, I can’t help but feel like the show has her keep her feelings bottled up out of a desire to keep things lean and focused heading into the next big story arc. Instead of placing the romance safely on the back burner, it might have been more interesting to embrace the chaotic mix of personal feelings and do-or-die situations. At least the door is still open for a last-minute confession later in the series.
As Nagisa and Kayano sort out their own inner conflicts, we’re given some pretty entertaining glimpses at the rest of Class E’s activities. Short little asides like Karma’s hunger for high school rivalry and everyone’s unique approaches to Valentine’s Day add a lot of personality to the episode. Koro Sensei’s little heart-to-heart with the principal takes a slightly different route, going for an interesting moment of mutual understanding instead of focusing on humor. It’s not the most compelling thing in the world, but it makes for a pleasant epilogue to their rivalry. Irina and Karasuma steal the show near the end of the episode, and their not-quite-romance continues to be a strong (if underused) storyline in this second season. Their conversation on the bridge uses their conflicting approaches to relationships to strong effect as it casually drops a romantic bombshell.
A slow-paced episode like this one was never going to have the same kind of dramatic impact as some of Assassination Classroom‘s more intense outings, but it has its own laid-back charm. As villains plot in the shadows and the heroes prepare for their own final challenges, it’s a good time for the series to sneak in a few moments of peace and quiet. By reminding the audience of what it is that we like about these characters, the show encourages us to become emotionally invested in how things will ultimately play out.
Rating: B+
Assassination Classroom is currently streaming on Funimation.
Paul Jensen is a freelance writer and editor. You can follow more of his anime-related ramblings on Twitter.
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In a world that lives the military industrial complex and feeds on the oppression of others the headlines include a new weapon the U.S. has that requires a 25 megawatt power station to fire, more violence in France, more missing people never found, and a world so lost that only Satan could be the cause of it. We have Texas flooded and flooding, NOAA saying this coming hurricane and storm season is gonna be unreal, and still wonders in the skies. These are your end times news headlines worldwide, unspun, and showing the ramping up of Satan’s final hours of our generations. Turn to Jesus…it’s the only way. jbossman008 by : UCuyYGJeCCSYQWac-348BaBA End Times Headline News – May 27th, 2016 Download to MP4 Video Link 1 Download to MP3 Audio Link 1 Download to MP3 or MP4 Video Link 1 Download to MP3 or MP4 Video Link 2
1464392835 , 48:49
jbossman008 by : UCuyYGJeCCSYQWac-348BaBA IuanjAB0qhI
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Even with all the Koro Sensei-related drama going on around them, the kids of Class E still have to think about what they’ll be doing after graduation (assuming the world doesn’t end, of course). As the students prepare for high school entrance exams, Nagisa does some personal soul-searching and realizes that he wants to become a teacher. Kayano has ambitions of her own, namely giving Nagisa chocolates for Valentine’s Day and confessing her feelings for him. Irina and Karasuma tackle a couple of important topics over a Valentine’s dinner, while Koro Sensei has a chat with the principal back at school. It’s mostly all fun and games, but there are some sinister schemes brewing in the background.
