I got pics for you too.
Now that is a swimming pool

 

Terraserver is awesome!!

Brian

 

yo what is this monkey see monkey do 2 of core 6 members buying new houses WTF

teach u send my video yet bro ?

 

FINALLY going out...i got the addys of everyone who ordered one, they are packaged and will be shipped on TUES.

thank you for your patience!

 

How can I get my hands on a VID? And how much are they?

 

they are $15 for a limited time...plus $3 s+h

i have paypal at mcneilbros@yahoo.com

or you can pick them up at naults for $25...or findme there and get one for $15 there...

jennie!! lol

 

Teach

I think you are located on my plow route now.......

When is the big move, let me know if you need to borrow my trailer if I am not around

CM

 

When are you signing papers?

 

yeah, plan for a nice smack down on the "tax stamp". $7.50 per $1000 (based on contract price). Did you know about it? Because that was a quick $3,000 I had to come up with out of NOWHERE!!

The "tax stamp" is the seller responsibility in Massachusetts... not in NH.

Brian

 

Yeah that totally sucked

 

Brian and Chris

Go see Jamie (skierrx) and sit down for a little 1 or 1. He will teach you how to rob your mortgage company. He saved me $5k and I did not even get my loan from him. He just gave me some expert advice. He still tells me he could never compete with the loan I got because the mortgage person made nothing off me but she did have big ****.

Make sure you go to your town office and see what the tax rates are and what they are going up too. Also go down there and pull all the information about your house. Make sure they got all the proper permits and sq footage and all that junk and property lines. Also ask them to provide in writing any new development in a 1 sq mile from your house. Want to make sure that new dump is not being built down the road.

Then while you are there pull out the tax cards on the people around your house and see what they are paying in taxes and when and how much they purchased their house. You want to make sure you are getting a good deal or at least paying fair market.

Then when you think you are all done look at the info you just pulled and see what the house is valued for on the books and what you are going to pay. Then take that percentage and multiply it agaist what they paid taxes on last year. That is your new taxes for next year assuming taxes are not going up.

A fine example is me. When I looked at their taxes last year it was $1,800. Guess what my taxes were this year? $4,200. Of course some had to do with taxes going up in Bedford but the majority of it was due to my new purchase price which is exactly what your house is valued at when you pay taxes your first year.

Remember this is the biggest purchase of your life. Make sure you can afford the price, make sure your house is valued right (that is what the tax cards will tell you), make sure Super Walmart is not going up next door. etc. You screw up this purchase then there is no going back unti; 10 years later. If you do not have the time to do what I said above then you should not be buying a house. This is not something you rush into. Just some friendly advice for Teach and Brian from someone who has been there.

 

ok, throwing numbers out here.....

Let's say Windham values my home at $200,000.... and they charge $20 per $1000 of it's value. That would make my yearly tax $4,000, right?

You're saying for the first year, they use market value to figure taxes? So, if I paid $400,000.... then they will charge $20 per $1000, and would mean paying $8,000? ... Even if last year the home was valued at 200,000 and has only risen (on average) 4% each year.

Brian

 

yup that is correct. They got me good on that one. The only time you will see a huge jump in taxes from the year before is when the home is purchased or you put on a large addition. Towns use sq footage when figuring out the value of the home also.

Mike

 

what does square footage have to with market value? You sound contradictive... how long before you bought your house was it assessed? That might have a big "to-do" with the major jump in taxable value.

I am under the impression that the town figures "taxable value" on what your home is... not what it's worth on the market. If you have 3 bedrooms, 2 bathrooms, 1500sqft living, 1 acre of land... the town creates values for each amenity. Each characteristic of your home is applied respectfully from the predetermined values.

Perfect Example.... John Doe lives 3 houses down from me and has a 3 bedroom split. He's on 2 acres, has an pool.... everything on paper matches my house. But his roof is leaking, driveway is dirt, and hasn't updated the inside of the house since 1980. His market value would be a lot less than mine (do to the home condition). So why should he be paying less in taxes than I? Especially if his home offers the same amenities as mine? Built the same year... etc.

I dunno... it doesn't seem right. I don't think market value has anything to do with "taxable value". Then some towns only tax you a certain precentage of the assessed value. Maybe I'm wrong, but for some reason, it doesn't make sense.

Brian

 

Thanks Teach

 

As I said check with you town. I agree with what you said 100% until I got my tax bill this year. My taxes are based soley on what I paid for the house. During the summer they came to my house to re-eval the entire town. They measured the inside of every room. Maybe since I purchased my house for such a good price their calculations came to a value that was higher then my purchase price and that is why mine was based on my purchase price. As I said some towns base taxes on market value and other at a reduced value.

 

yea.... maybe. And though it sucks you're paying tons of money, it may be a bit comforting to know your home is worth much more than you purchased it for.

Brian

 

I still know Bedford has some of the lowest taxes around but that is not for long. Bedford is building a new High School and taxes have been going way up. Hey you are in the same boat with Windham not having a high school. They get kicked out of Salem soon and trying to merge with Pelham. Pelham shot down the merger between the two school last year. I think (hope) it goes through this year.

 

All I have to say is JAMIE IS THE MAN

 

Some of what Train said happened to me, I got this weird a$$ bill from my mortgage company last spring saying i owed them 400 bucks for an escrow adjustment, and my monthy payment increased by like 75 bucks.

I call and say WTF and turns out my taxes increased cause my purchase price was more than the prior owner. Sure enough, I get a copy of my tax bill and they are definately higher.

On the flip side, my place is worth an easy 75 more than what I paid 2 years ago which is a good thing since I had to do some crazy financing to make the divorce happen.

Buying the house was still the best thing i ever did.

chris

PS This is still a motorcycle forum right.........