Re: House, or car?
it also depends on cost of transportation too. i mean to get picked up on this dirt county road is 5 dollars. each stop will cost you five also, we only have a cab here. if you got to pay about 5 dollars a day, then starting with the car would make more sence. pride of ownership of the vehicle you chose is priceless too. its ultimatly your decision alone and i guess since my mom helped me get both, i didnt have this problem. dont be in a rush to buy a house either just to get out of mom and dads. you have to think of the future. is it one bedroom, cause you could not take on a roomate if so, if you need to in the future to help with cost of living. down the line you may want to marry and have children. i seen on tv that people are getting away from the starter home situation. they are thinking more about the future. if your gonna buy a home why buy it if in your mind, you want to live there only a couple of years, why such an investment. it will take longer then that for a mortgage. think it thru and not as today is today type, you got to concider the future. is this home something you can see yourself in for long term. whats the neighborhood like. i mean if its a college area, you wont be in college forever, but that area will more likely then not be a college area forever. it wouldnt be the place for raising lil ones. location is the top listed priority i belive in looking at a home. of course, it also matters if your going to school to become a teacher. they are given opportunities for rebuilding communitys. you can get both that way, car and home, if your going for a degree to teach, and law enforcement too if i remember correctly, they comp the down payment i think its 15% of the home and the home is cheaper cause they are trying to rebuild an area with empty homes to a family community. depending also on if your parents farm, there are programs for that as well. i would look at all your options. call fha and hud, and always if your going to college you can ask a councelor. they would have all the rental information in the area. talk to a few sales agents, dont just settle for the first. get your best offer.and chose by one that you would consider a friend in the end, cause if they arent about what you like, u will see things that would be like wasting your time. be decisive about what you want. write it down and make sure that they know you would settle for nothing less, and put a bonus list on it too. such as, demand list no less then 2 bdrms, 2 baths, large kitchen, formal dining, bonus list a full basement or pool or bonus room off a garage. then stick to what you want, dont let them show you something that dont cover your demand list. dont sign with that person either until your sure thats what you want and they will give you what you want. even tho you want to be independant, your parents would have your best interest at heart, and one of them should be with you when you make these decisions cause they can help with telling you thier oppinion of the persons, places, things. they will be honest and give you gr8 guidence. dad could prolly spot if a home had previous termite problems where someone may not be forthcoming wtih that information. Im not trying to blame anyone for any one thing, but i will give you an example so that you have a better idea of what i mean. i had a 99 acclaim. i needed a new chip in the computer for the transmission. i called around on it, the only one place that did that work told me 400 out the door. i had my dad go in for me and the job ended up costing him 286. why a 114 dollar difference? cause he was a man? same car, same need, next day he went in. i believe that if someone sees a chance to take advantage they will. your 18 you should always keep your parents involved. even tho you want to do things on your own, they being there will prevent more chances of this happening. and you want your best options for your best prices. having others involved would keep things more in line. dad will know if your getting the best deal and him being with you, can only be a good thing.
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