There are dozens of us! DOZENS!!

Just pay the ticket and slow the fuck down dickhead

I did the exact same in 2018 and refi in 2021. Highly recommended if possible.

There are loans where you only need 3% to avoid pmi. I know because I only put down 3% and don’t have pmi.

This freaks me out a bit. We're not far away from having a generation of new voters who will have only heard about Massachusetts winter where the snow came down December/January and didn't totally melt until the spring months.

Everything is so different now. And there's still so many people saying it isn't, this is just the weather, or it's not going to affect anything.

OMG! I lived in Virginia Beach for years. There was absolutely zero anything at all for Mardi Gras anywhere today. I’m sorry but does it not exist up here? I get it New Orleans is far away but damn!

Is this your first time in a New England winter?

There’s plenty more surprises ahead.

The lemon pie is really good.

I’m looking at land in the Berkshires to build a home that I have absolutely no intention of ever selling or leaving if I can help it. That far west is the only reasonable place we can afford right now.

My mom is a little above this. I’m making a timeline to purchasing land to build a house because I handle all the household finances (I’m a math person) Notice what I said there. I have no intention of buying an existing home.

I can get a piece of land that is several acres for 50-90k in western MA (we’ve been living and renting in the Boston area due to my father dying and losing that income) and then build a nice house on it for 300-500k and the construction loan for that would be between 1400-1800/mo.

Buying a home outright would run me no less than 3500/mo and we’re currently paying 2375/mo rent. I have no intention of going higher than what we’re paying for rent, especially when only about $500 of that $3500 payment goes to the actual principal. The vast majority is fucking interest. I’ll be paying over a million in interest over 30 years for a 500k home. Which, looking at the market rn, is the price of a severe fixer upper these days.

I’d also like to point out that the 3500 figure was WITH a 200k down payment that it would take us 5 years of pretty rigorous saving to accomplish. I’m talking next to no travel, almost never eating out, or excess spending, etc. My mother worked 25 years in the same place to finally live comfortably but if we want a home, she can’t actually ever enjoy living comfortably.

My mother is close to retirement and moving out west is a big decision because I’m disabled and can’t drive, thus I’ll be isolating myself a lot, but I feel it’ll probably be a worthwhile move for the price. There’s no affordable land in Eastern MA that I can easily find.

It’s amazing that during the pandemic my mother got the promotion that puts us in a comfortable living situation, yet I can’t foresee a future of ever getting a home that won’t require moving to the middle of isolation.

TL:DR Household makes above the median, has no hope of buying a home in the next 5 years. The house we can foresee after 5 years will have to be in the middle of absolute nowhere and built ourselves.

Lol a dispensary was giving out some to customers today, grew up here my whole life and never knew about them until today.

Late Gen X/Millennial couple here: we bought a house in Chelmsford RIGHT before COVID seriously hit in March 2020. Our house value has gone up over $100k since then - I don’t think we could have afforded the house if we were buying today.

This thread is giving me flashbacks from the Borat sequel.

What??? I’m a Masshole and missing out… on cake?!! I’m angry right now! We need a king cake, godammit!

I thought it was right before Christmas when we got that little bit of snow that lasted a minute

More like second fall than second winter. We never really had winter, unless you count that single fraction of week where it stayed under 20 for a few days.

I know global warming is bad for a lot of places, and that's good enough reason to be against it... buuuut ignoring the suffering inflicted on billions of others, it seems pretty freaking sweet here. I can suffer Maryland weather.

Or ticks!

Cringe

And there was always a mountain of snow in a grocery store parking lot that didn’t melt until June.

I miss the days growing up where, after the first snow, you probably weren’t seeing grass until April...and the temperature varies by 15 degrees the entire winter.

Although, it was 30ish years ago and I was just a dumb kid. Maybe I’m not remembering it correctly.

Check to see MA law on how police can check your speed. If he did not use a radar gun, but used his vision to estimate, this is a method some states allow, however you could more easily argue that one (you could request a copy of the officers last cert for this estimation process to see how long ago it was, photograph the area he was parked and see how his visibility was to your vehicle, etc)

We've had like 4 proper cold days this entire year. We've had so few cold days I thought that -10 day was kind of a fun time. Even being 30s this week with "snow" coming barely counts. We haven't had an actual winter in years, but this is by far the warmest I can remember.

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We had some at work today. Overnighted from Joe Gambinos Bakery. They were amazing. Would have eaten more but was busy with my paczki. Did not come with baby however…prob too much of a liability.

Woostah County