Do you help your wife around the house?

The Count Dante

CCS Donator
Donator
Joined:
May 16, 2010
Posts:
2,745
Liked Posts:
0
If you have it, put down enough to get rid of PMI on the mortgage, and then tell the lender you don't need the escrow account and will pay insurance and taxes on your own. That will drop you from $800-900 monthly payment on a 100-150K home down into the $5-600 range. Just make sure you have the cash on hand to cover the taxes and home owners insurance when they are do. Theoretically you should also get better rates and less hassle getting the loan approved. !5%-20% down payment is normally enough.



I'd definitely buy a home. Don't skimp on the pre-inspection and hire your own inspector, don't accept the guy the realtor recommends or contracts with. If it's slab foundation inspect the plumbing under it.



Good advice.



With the FHA and VA loans, this is not required as the Govt is providing the "insurance" to the loan. But otherwise, I totally agree with my non-real estate understanding ass.
 

winos5

CCS Donator
Donator
Joined:
Oct 19, 2013
Posts:
7,956
Liked Posts:
829
Location:
Wish You Were Here
I have VA benefits but when we were looking for our house we found out that many sellers don't want to deal with buyers planning on using a VA loan. It means extra inspections and probably repairs for the sellers before the VA will give it's stamp of approval. Since we knew our home would be of the fixer upper variety it cut a lot of red tape going with a traditional mortgage and allowed us to drive the price down after the inspection due to all the repairs that would be needed.
 

The Count Dante

CCS Donator
Donator
Joined:
May 16, 2010
Posts:
2,745
Liked Posts:
0
I have VA benefits but when we were looking for our house we found out that many sellers don't want to deal with buyers planning on using a VA loan. It means extra inspections and probably repairs for the sellers before the VA will give it's stamp of approval. Since we knew our home would be of the fixer upper variety it cut a lot of red tape going with a traditional mortgage and allowed us to drive the price down after the inspection due to all the repairs that would be needed.



Quite true as well. There are only (if I remember correctly) 6 buildings in the downtown chicago area that are "VA" certified. A bit more that are FHA but not much.



I personally wanted to avoid the down payments (to ditch the PMI as you mentioned, is great advice) because I wanted to keep that money invested rather than put it into the house. To counteract that, I make an additional 3 payments a year (although i realize that is not is not a standard in everyone's budget).



The real issue I suppose is to buy within your means and protection. I mean, it took me literally until the age of 35 to be able to afford a place in a city I wanted to live in. But because of that, I feel confident in the purchase, it fits right in the budget, and I have ample protection should something happen.
 

MassHavoc

Moderator
Staff member
Joined:
May 14, 2010
Posts:
17,855
Liked Posts:
2,554
I think slob is a pretty far-fetched descriptor. I just don't freak out if there is a dirty dish in the sink like some people around here.



I clean the bathroom and do all the communal laundry (sheets, towels, etc.) TCD is a kitchen clean freak. If he had it his way we would never have clean towels or sheets and would sleep in our own filth until the sheets fell apart around us.



That being said, I'm glad the he cleans up because cleaning is super boring and lame. I already work from home half the time, I don't want to clean too, that's just more work.
THERE IS NO REASON TO EVER LEAVE A DIRTY DISH IN A SINK IF THERE IS A DISHWASHER AND OR A DRYING RACK.





Side note. People who do that here at work drive everyone nuts. There is always dishes that look clean (no dishwasher) but have make a few flakes of something in them that people leave soaking in the sink all day for some reason. Dear WORLD... SOAKING DOESN'T DO ANYTHING unless it's a baked on pan or dish. Otherwise wipe the ****** out and move on.
 

The Mule

New member
Joined:
Dec 11, 2011
Posts:
722
Liked Posts:
4
Location:
Vancouver
THERE IS NO REASON TO EVER LEAVE A DIRTY DISH IN A SINK IF THERE IS A DISHWASHER AND OR A DRYING RACK.





Side note. People who do that here at work drive everyone nuts. There is always dishes that look clean (no dishwasher) but have make a few flakes of something in them that people leave soaking in the sink all day for some reason. Dear WORLD... SOAKING DOESN'T DO ANYTHING unless it's a baked on pan or dish. Otherwise wipe the ****** out and move on.



I am a busy person and I will clean a dish when I damn well feel like it! Everything else is more important than a dirty dish, in my opinion. Everything!
 

The Count Dante

CCS Donator
Donator
Joined:
May 16, 2010
Posts:
2,745
Liked Posts:
0
I am a busy person and I will clean a dish when I damn well feel like it! Everything else is more important than a dirty dish, in my opinion. Everything!



HERE HERE!



NEVER do today what can be pushed off until tomorrow. In this case, when the dishes get furry...
 

MassHavoc

Moderator
Staff member
Joined:
May 14, 2010
Posts:
17,855
Liked Posts:
2,554
I am a busy person and I will clean a dish when I damn well feel like it! Everything else is more important than a dirty dish, in my opinion. Everything!
You are only creating more work for yourself.
 

TSD

CCS Donator
Donator
Joined:
May 14, 2010
Posts:
5,014
Liked Posts:
4
Location:
Plainfield, IL
I am a busy person and I will clean a dish when I damn well feel like it! Everything else is more important than a dirty dish, in my opinion. Everything!



Thats why I don't own dishes. No fuckin joke, I hate doing dishes, and im a single dude, plasticware, plastic cups and paper plates **** the environment.
 

nana

New member
Joined:
May 15, 2010
Posts:
662
Liked Posts:
0
I have felt that this thread was a trap, so I have avoided it. It seems like I can't help myself, and am certain I will regret this...

It's fascinating to me that the idea is that the woman still owns responsibility for the household chores and that the question is if the man chooses to help or not. It sounds like the men who have posted in this thread who don't view things this way seem to be doing quite fine for themselves.



We share responsibilities and we have a wonderful cleaning lady that has been with us for 6+ years now... life saver.
 

KMChechASS69r

New member
Joined:
Jul 26, 2012
Posts:
293
Liked Posts:
0
Location:
Somewhere this side of sanity.
HERE HERE!



NEVER do today what can be pushed off until tomorrow. In this case, when the dishes get furry...



Right on! I am a PROcrastinator of the first order and my credo is much like the Count says, "never do today that which be done tomorrow, or the next day, or the day after that, or sometime in the near future!"
 

bookjones

CCS Donator
Donator
Joined:
May 16, 2010
Posts:
3,869
Liked Posts:
5
Location:
Uptown baby!
I have felt that this thread was a trap, so I have avoided it. It seems like I can't help myself, and am certain I will regret this...

It's fascinating to me that the idea is that the woman still owns responsibility for the household chores and that the question is if the man chooses to help or not. It sounds like the men who have posted in this thread who don't view things this way seem to be doing quite fine for themselves.



We share responsibilities and we have a wonderful cleaning lady that has been with us for 6+ years now... life saver.



DING! DING! DING!
 

the canadian dream

New member
Joined:
May 15, 2010
Posts:
6,402
Liked Posts:
14
Thats why I don't own dishes. No fuckin joke, I hate doing dishes, and im a single dude, plasticware, plastic cups and paper plates **** the environment.



I don't understand why doing dishes is so hard for some people. No one likes doing them but it's not hard. It takes 5 minutes and its not like its manual labour. I can not stand a messy kitchen it honestly can ruin my morning waking up to a messy kitchen or coming home from work to a messy kitchen. Its my biggest pet peeve of any room in a house when dirty. Dirty dishes..dirty stove tops..counters...gross!!!! Dirty dishes smell bad they are ugly and they attract flies and crap. Plus I can not cook around dirty dishes either. When I cook I have to do the dishes at the same time. I can't stack dishes up. PLUS THE LONGER YOU KEEP THEM PUT THE HARDER THEY ARE TO CLEAN!! AND **** SAKES IF YOU AREN"T GOING TO DO THE DISHES RIGHT AWAY AT LEAST SOAK THE FUCKING THINGS SO THEY AREN'T HARDER TO CLEAN LATER!!! GRRRRRRRRRRRRRRRRRRRR!!!



I have some sort of dirty dishes issue. I probably know where it stems from also but im not going to get into that. My mother didn't help either as she was one who gave you one cup for the entire day and if she found a second dirty cup she would flip out. She made us do the dishes early in our childhood so she beat it into me about cleaning up after you use a dish.



I also hate toothpaste spit left in the sink......someone i know who I live with keeps doing that!!!! HINT HINT HINT!!!!!!
 

Ton

New member
Joined:
May 14, 2010
Posts:
3,991
Liked Posts:
124
Location:
Park Ridge, IL
I don't understand why doing dishes is so hard for some people. No one likes doing them but it's not hard. It takes 5 minutes and its not like its manual labour. I can not stand a messy kitchen it honestly can ruin my morning waking up to a messy kitchen or coming home from work to a messy kitchen. Its my biggest pet peeve of any room in a house when dirty. Dirty dishes..dirty stove tops..counters...gross!!!! Dirty dishes smell bad they are ugly and they attract flies and crap. Plus I can not cook around dirty dishes either. When I cook I have to do the dishes at the same time. I can't stack dishes up. PLUS THE LONGER YOU KEEP THEM PUT THE HARDER THEY ARE TO CLEAN!! AND **** SAKES IF YOU AREN"T GOING TO DO THE DISHES RIGHT AWAY AT LEAST SOAK THE FUCKING THINGS SO THEY AREN'T HARDER TO CLEAN LATER!!! GRRRRRRRRRRRRRRRRRRRR!!!



I have some sort of dirty dishes issue. I probably know where it stems from also but im not going to get into that. My mother didn't help either as she was one who gave you one cup for the entire day and if she found a second dirty cup she would flip out. She made us do the dishes early in our childhood so she beat it into me about cleaning up after you use a dish.



I also hate toothpaste spit left in the sink......someone i know who I live with keeps doing that!!!! HINT HINT HINT!!!!!!



The worst is all the HAIR in the bathtub drain from the two women I live with. They shed like dogs and back-up the drain all the time.



It's cool though, I get them back by leaving all my beard hair in the sink.
 

Chief Walking Stick

CCS Donator
Donator
Joined:
May 12, 2010
Posts:
48,371
Liked Posts:
26,886
Thats why I don't own dishes. No fuckin joke, I hate doing dishes, and im a single dude, plasticware, plastic cups and paper plates **** the environment.



THIS THIS THIS!!!



Paper plates and plastic cups.



You can buy 500 paper plates for $5.99. That's enough for a year.
 

Top