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Jake_ryan
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Username: Jake_ryan

Post Number: 392
Registered: 01-2008
Posted From: 129.192.170.250

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Posted on Monday, June 18, 2012 - 01:46 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

in bay area, my agent says we are no longer in buyers market - its gone sometime in February/March.
We are officially in Sellers market as far as Bay Area concerned atlest.
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Simba
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Username: Simba

Post Number: 6059
Registered: 02-2008
Posted From: 206.210.17.33

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Posted on Monday, June 18, 2012 - 01:36 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Guru:

Simba - miru marlboro lo na undedy?



yes.

Urumi:

mee illu kaasta finish ayyaaka kaasta mammalni invite cheyyandi, kotta members ni kalupukom anakunda.
vachi furniture adee choosi potaam.



you are welcome :-)
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Guru
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Username: Guru

Post Number: 3540
Registered: 05-2009
Posted From: 192.193.221.142

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Posted on Monday, June 18, 2012 - 01:31 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Simba - miru marlboro lo na undedy?
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Ipad
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Username: Ipad

Post Number: 781
Registered: 03-2011
Posted From: 12.10.219.226

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Posted on Monday, June 18, 2012 - 01:29 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

It is not a good timing to buy a property for investment here, if it is for lining that fine. Any Real estate , better in INDIA now
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Guru
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Username: Guru

Post Number: 3539
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Posted on Monday, June 18, 2012 - 01:28 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

NJ lo good schooling districts lo demand bane undi
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Urumi
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Username: Urumi

Post Number: 2532
Registered: 12-2011
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Posted on Monday, June 18, 2012 - 01:27 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:




mee illu kaasta finish ayyaaka kaasta mammalni invite cheyyandi, kotta members ni kalupukom anakunda.

vachi furniture adee choosi potaam.
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Simba
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Username: Simba

Post Number: 6057
Registered: 02-2008
Posted From: 206.210.17.33

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Posted on Monday, June 18, 2012 - 01:26 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Mrhyderabad:

suggest any good sites for indoor plants



inka indoor plants varaku raaledu. Will share when I have the info.

Jodhaa:

main page lo unna theme aa?



Antha ledu. We have a B&M store near us. They carry some unique accent tables, wall decor etc. We are bought few items from there. Inka cheyylasindi chaala undhi...
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Jodhaa
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Username: Jodhaa

Post Number: 22719
Registered: 02-2008
Posted From: 69.174.58.124

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Posted on Monday, June 18, 2012 - 01:11 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

http://www.arhaus.com/


main page lo unna theme aa?
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Mrhyderabad
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Username: Mrhyderabad

Post Number: 8932
Registered: 01-2008
Posted From: 98.221.83.14

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Posted on Monday, June 18, 2012 - 01:07 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

http://www.arhaus.com/


nice...

suggest any good sites for indoor plants
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
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Khandada
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Username: Khandada

Post Number: 3047
Registered: 10-2008
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Posted on Monday, June 18, 2012 - 01:03 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

simba goru
atta kaadh...CC should not be a block to buy or not ani kavi bhaavam
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Khandada
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Username: Khandada

Post Number: 3046
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Posted on Monday, June 18, 2012 - 01:02 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

idiot1
CC ekkuva emu undadhu ~10k
<10k in most estimates i got
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Idiot1
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Username: Idiot1

Post Number: 2306
Registered: 07-2008
Posted From: 199.245.32.210

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Posted on Monday, June 18, 2012 - 12:59 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Khandada:


inka confirm kaaledu move aithe isthadu annattu. deeni valla entha difference vastundi?
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Simba
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Username: Simba

Post Number: 6056
Registered: 02-2008
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Posted on Monday, June 18, 2012 - 12:59 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Khandada:

emp isthaa utnay financial think sethaa unnava



salary kooda employer istaadu gaa.. atla ani koneyyala? :-)
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Simba
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Username: Simba

Post Number: 6054
Registered: 02-2008
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Posted on Monday, June 18, 2012 - 12:58 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Mrhyderabad:

paramus has some great European / Italian furniture stores.



yeah... okappudu baagane tirigam. Now, our theme is rustic and transitional. Furniture/accents are unique and one-of-a-kind.

http://www.arhaus.com/
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Khandada
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Username: Khandada

Post Number: 3044
Registered: 10-2008
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Posted on Monday, June 18, 2012 - 12:57 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

ori
emp isthaa utnay financial think sethaa unnava
it is your personal choice whether you want to own or not
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Idiot1
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Username: Idiot1

Post Number: 2303
Registered: 07-2008
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Posted on Monday, June 18, 2012 - 12:55 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Khandada:


ichedi agents kaadannai employer :D
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Khandada
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Username: Khandada

Post Number: 3043
Registered: 10-2008
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Posted on Monday, June 18, 2012 - 12:54 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

idtio1 annai
see if seller or sellers agent can contribute towards closing
else find a realtor who will be your buyer's agent and contribute
second care lo he will get 2.5 to 3% of Sale price as commission
mana wallu unnaru who keep 1% for their efforts and give rest

catch is they cannot give you that amount as cash...so towards CC ani set sesthaar
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Khandada
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Username: Khandada

Post Number: 3042
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Posted on Monday, June 18, 2012 - 12:50 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

mav
LV lo edhi gated kaadhay( tires arigay laagaa already tirigings)
nen cheppina gated is a diff one called belmont
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Idiot1
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Username: Idiot1

Post Number: 2302
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Posted on Monday, June 18, 2012 - 12:49 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Khandada:


khan annai, closing costs inkodu epttukonta ante illu konadam ok naa leka naada undi kada gurram konattu avutundaa?
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Maverick
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Username: Maverick

Post Number: 38654
Registered: 01-2008
Posted From: 70.39.231.164

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Posted on Monday, June 18, 2012 - 12:47 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

h_d

mee loudon community gurinche nenu cheppedi..last year vaccha..no gates
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Khandada
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Username: Khandada

Post Number: 3040
Registered: 10-2008
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Posted on Monday, June 18, 2012 - 12:41 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

mav
nuvvu chusindhee alaa undavachu
the one i saw is fenced/walled all around and guarded entry/exit points with one exit point closed after a certain time in the evening

kids gurinchi koncham takkuva bhaya padaaali wrt mental naa kondis, drugs availabilty
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Mrhyderabad
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Username: Mrhyderabad

Post Number: 8931
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Posted on Monday, June 18, 2012 - 12:40 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

ppdu maa intiki shopping is like antham kaadidi aarambham. Prathi item iddhariki nacchali ante antha easy kaadu. But that's the whole fun.


u might already know this but paramus has some great European / Italian furniture stores. We used to drive all the way there to check out all the stores. Good that we didn't have any kids back then so it was lot fun shopping around. Ippudu kids tho furniture shopping anna thought kuda chaala scary gaa vundi :-)

maa ammayi crib kosam kuda H_D 1 stores tippindi
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
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Maverick
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Username: Maverick

Post Number: 38653
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Posted on Monday, June 18, 2012 - 12:38 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

ee gated community concept ardham kaadu naaku..mundu gate untundi..always open even at 3 o4 4 in the night..not the entire community is fenced inka enduku gated communities anukovadam?
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Khandada
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Post Number: 3038
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Posted on Monday, June 18, 2012 - 12:36 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

@DC
LV estates ani already oka comm undhi off exit 7...it is not gated but homes are decenlty spaced out compared to bramb
toll aadi comm vasthaandhee on same road at the west/south end of LV pkwy...
i havent paid attention if it is going to be gated ..dasara decorations type lo edho pettad at the entry
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Mrhyderabad
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Username: Mrhyderabad

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Posted on Monday, June 18, 2012 - 12:33 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

mari aa 1 year no sofa at home aa?


yes, mostly.
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
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Jodhaa
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Username: Jodhaa

Post Number: 22712
Registered: 02-2008
Posted From: 69.174.58.124

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Posted on Monday, June 18, 2012 - 12:32 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jackson:


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Jackson
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Posted on Monday, June 18, 2012 - 12:28 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

mee anni house related threads save chesaara..if yes..mail me..memu kontey tappudu use avuthaaye..TIA.




GC vochi one year+ avutundi

inka konaledaa illu??
...
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Maverick
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Username: Maverick

Post Number: 38649
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Posted on Monday, June 18, 2012 - 12:16 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

http://www.bestbuy.com/site/Samsung+-+3.5+Cu.+Ft.+6-Cycle+Hi gh-Efficiency+Washer+-+White/9739898.p?id=1218165052349&skuI d=9739898

http://www.bestbuy.com/site/Samsung+-+7.3+Cu.+Ft.+7-Cycle+El ectric+Dryer+-+White/9739916.p?id=1218165052287&skuId=973991 6

vadi unte reviews please.
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Jodhaa
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Post Number: 22710
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Posted on Monday, June 18, 2012 - 12:16 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Maverick:

i dont think i have saved.


oh k. Np
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Maverick
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Posted on Monday, June 18, 2012 - 12:15 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

>>mee anni house related threads save chesaara..if yes..mail me..memu kontey tappudu use avuthaaye..TIA.

i dont think i have saved..malla start chesi disco cheyyatame kavalante
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Jodhaa
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Post Number: 22709
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Posted on Monday, June 18, 2012 - 12:14 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Maverick:

immediate move in checklist cheppandi..like blinds etc..

are u using a samsung washer and dryer?ela untai quailty..best buy lo 620 each ki unnai


mee anni house related threads save chesaara..if yes..mail me..memu kontey tappudu use avuthaaye..TIA.
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Maverick
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Posted on Monday, June 18, 2012 - 12:12 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

immediate move in checklist cheppandi..like blinds etc..

are u using a samsung washer and dryer?ela untai quailty..best buy lo 620 each ki unnai
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Jackson
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Post Number: 7346
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Posted on Monday, June 18, 2012 - 12:09 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

You got it. Andariki ila perige chances undaka povacchu. It depends on the location, school district etc.




yes i understand..

but deal OK deggara nundi house chetikoche lopala kuda ila down payment (installments lo) chesukovachu ani telidhu naaku..
...
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Dreamcatcher
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Posted on Monday, June 18, 2012 - 12:08 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Khan saab:

LC lo loudon valley estates area nassindhee...brambleton bhee ok
but finding a resale one is pretty tough...toll waadu LV lo kaduthunaadu...better than all other new ones in LV and bramb anipinchindhee wrt floor plan




ee LV ye na gated community with elementary or middle school inside the community? naa ex-colleague okaamey LV lo konna annadi, I tried to reach her to get more info for you, did not get a response back.
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Simba
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Username: Simba

Post Number: 6053
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Posted From: 206.210.27.33

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Posted on Monday, June 18, 2012 - 12:05 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jackson:

endukante house value koncham perigindi (so aa extra 5% compensate ayipoindi house value pergatam valla so PMI avasaram ledhu anthena??



You got it. Andariki ila perige chances undaka povacchu. It depends on the location, school district etc.
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Mental_sachinodu
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Maverick:

.just a simple FD in india would obviously fetch more returns..avakasam unnapudu enduku vadukokapovali annadi naa question..




yes, ante kontha mandhi savings lo edathaar kadha.. alanti vallaki it is better they put it in the house .
the world of appearances may or may not be real, or both may and may not be real - or may be indescribable; or may be real and indescribable, or unreal and indescribable; or in the end may be read and unreal and indescribable - its all Syadvada
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Jackson
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Simba:




meeru cheppina concept naaku ardham ayye bhasha lo chebuta..

(ee loan knowledge nillio..as I'm still living in apt)

Example: Jan 1st na deal OK chesaaru house di..10% down payment chesaaru..

July 1st kistha annadu builder house..

Jan-Jul madhya lo inko 5% kattesaaru

Jul 1st na aa migitha 5% kuda katta bothe, builder upgrades ki use chesuko.. endukante house value koncham perigindi (so aa extra 5% compensate ayipoindi house value pergatam valla so PMI avasaram ledhu anthena??)
...
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Khandada
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Posted on Monday, June 18, 2012 - 12:03 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

DC bhayya
herndon, reston ruled out , the TH example in my first post was next to floris
535k listed...went to contract in 2 days

LC lo loudon valley estates area nassindhee...brambleton bhee ok
but finding a resale one is pretty tough...toll waadu LV lo kaduthunaadu...better than all other new ones in LV and bramb anipinchindhee wrt floor plan
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Simba
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Posted on Monday, June 18, 2012 - 12:02 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Mrhyderabad:

we shopped for almost 1 year to find the right sec sofa for living room :-)



that's the spirit. Ippdu maa intiki shopping is like antham kaadidi aarambham. Prathi item iddhariki nacchali ante antha easy kaadu. But that's the whole fun.
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Jodhaa
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Post Number: 22708
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Mrhyderabad:

we shopped for almost 1 year to find the right sec sofa for living room :-)


mari aa 1 year no sofa at home aa?J/K
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Dreamcatcher
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Also, keep in mind that this is the time RE picks up as kids schools are closing and many families relocate during this summer break. This will slow down during August/September months and RE will pullback a little bit, but early spring is the best time to shop for a home as homes in the market will have less demand.
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Mrhyderabad
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Simba:

For me, buying a house should be emotional.


ilaa emotional ayye H1/GC lekapoyina (i was on L1) mundu venuka choosukokunda illu konnam as we wanted to live in our own home even if it is for short time.

we shopped for almost 1 year to find the right sec sofa for living room :-)
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
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Dreamcatcher
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Khan saab,

NOVA is becoming hot again RE wise, especially Herndon/Reston area. Herndon townhomes are going out of market within week. Did you find anything interesting in LC?
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Maverick
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>>other wise, not much beneficial unless you invest in better returning options.

america lo house investment kante anything else is better returns ee kada..just a simple FD in india would obviously fetch more returns..avakasam unnapudu enduku vadukokapovali annadi naa question..
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Jodhaa
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Khandada:

meeru evening ayya sariki kids andarnee pogesiii songs singuthaaaa utnay....ahaaa naa raaja ( sri laxmi style)


paatey kada..nenu nenu paadatha kadha..:D
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Jodhaa
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Simba:

btw, if you are serious and need advice, let us know



Khandada:

if you need any info on VA, dont hesitate to email


Thank u thank u..def ga advice kaavali..ee year ayethe ikkadey.Move plan confirm avvagaaney will ping u guys.
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Jodhaa
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Maverick:

cinci lo kooda anta kante emi undadu..same type of market..u should plan


cinci is not my type of city.ikkada house koney plan asalu ledhu.
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Mental_sachinodu
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Maverick:

200K house ki ee piggyback/subordinate loans avasaramantara?..




helps if planning to sell it within 4 to 5 years, other wise, not much beneficial unless you invest in better returning options.
the world of appearances may or may not be real, or both may and may not be real - or may be indescribable; or may be real and indescribable, or unreal and indescribable; or in the end may be read and unreal and indescribable - its all Syadvada
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Maverick
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200K house ki ee piggyback/subordinate loans avasaramantara?..
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Mental_sachinodu
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Simba:

For me, buying a house should be emotional. One should dream about it. Make plans about spending quality time with family/friends, down to picking the room color and furniture. If you are contemplating the purchase down to last dollar, there is no point. Quality of life cannot be expressed in dollars. JMO.




very well said. house purely investment kosam konatam ayithe, it is better not to go for it. there are better options for investments.


Mrhyderabad:

late 2005



yep, naaku thelisi chaala states lo this is not an option any more.
the world of appearances may or may not be real, or both may and may not be real - or may be indescribable; or may be real and indescribable, or unreal and indescribable; or in the end may be read and unreal and indescribable - its all Syadvada
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Simba
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Mrhyderabad:

Hope i did the right thing. Simba may not agree but R2I or ikkada settle ani inkaa decide avvani vaallaki 20% down waste ani naa opinion



If you have plans to R2I then putting down least is advisable.

For me, buying a house should be emotional. One should dream about it. Make plans about spending quality time with family/friends, down to picking the room color and furniture. If you are contemplating the purchase down to last dollar, there is no point. Quality of life cannot be expressed in dollars. JMO.
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Mrhyderabad
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Mental_sachinodu:

when did you do this? i mean year.


late 2005
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
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Mental_sachinodu
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Mrhyderabad:

15% home equity (sub-ordinate loan) set chesaa



when did you do this? i mean year. recent ga ilaantivi allow seyyatledhu kadha
the world of appearances may or may not be real, or both may and may not be real - or may be indescribable; or may be real and indescribable, or unreal and indescribable; or in the end may be read and unreal and indescribable - its all Syadvada
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Khandada
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@Simba
nice that it worked out thay way for you
it is a good tactic to explore for newbies
appraisal lo peragatam is fingers crossed emo if one want to jump from 15% to > 20%
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Mrhyderabad
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Maverick:

idi kaasta explain chestava?


inka andulo explain cheyadaniki emi ledu :-)

To avoid PMI, lot of people use this option. int payment on both loans is eligible for tax deduction

same bank (chase) provided primary and sub-ord loan at the same time.
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
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Maverick
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>>
same opinion. anduke i only put 5% down. 80% primary loan and 15% home equity (sub-ordinate loan) set chesaa.. so NO PMI

idi kaasta explain chestava?
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Maverick
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>>pmi is diff from interest paid on loan right?

pmi kooda tax deductible if u fall in limits..i will check the piggy back option with lender
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Mrhyderabad
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Khandada:

20% down is a big amount
10% with points ani munduku saagi poyings




same opinion. anduke i only put 5% down. 80% primary loan and 15% home equity (sub-ordinate loan) set chesaa.. so NO PMI

Initial gaa knochem additional pay chesevadini then stopped.

Today i can either foreclose / short-sale the house and walk out with minimum loss.

Hope i did the right thing. Simba may not agree but R2I or ikkada settle ani inkaa decide avvani vaallaki 20% down waste ani naa opinion
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
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Simba
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Khandada:

snr most simba can chip in



recent ga konna house (new construction) ki, 10% down chesi sign up chesa. Put down another 5% after 6 months. I was ready to put the rest of 5% during closing but lender "suggested" not to and use that for upgrades. As I have good credit rating, lender made 80% and 5% as two separate loans.

When they appraised the home at closing, value of home increased (in 10 months from signup to closing) and I already have 20% equity (with 15% down), thus no need for PMI. :-)
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Rajusk
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Rasputin:

oka moolana padi untaadi.




oka moolana hole already padindi..anduke no opening zillow at all
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Khandada
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mav,
pmi is diff from interest paid on loan right?
second is tax deductible AFAIK
aa second loan concept is arachak

snr most simba can chip in

legend, yes
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Bunty717
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Rajusk:

antha ledu anukonta..maa community lo 445,000 ki konna vaadu...399,000 ki pettina no sale...2007 construction..very nicely upgraded model and house..




manchi iskool dist lo houses levu raju gaaru..

south Br'ck lo hot cakes laaga potunnayi..
FB lo janalakunde desa bhakti border lo unde jawanlaku kuda undadu ':-D' --SnkrdadaMS

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Maverick
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>>you should get good rate even if you put less than 20%

its not about the rate, i was wondering about using interest for tax deductions
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Rasputin
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Rajusk:

445,000 ki konna vaadu...399,000 ki pettina no sale...2007 construction.


390 ki isthey meerey koneyyandi, oka moolana padi untaadi.
01/06/2012 - 169.4;05/04/2012 - 175.8
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Thelegend
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20% down pettakaunda mtgg loans istunnara?
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Rajusk
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Bunty717:

NJ lo kuda same undi situation..




antha ledu anukonta..maa community lo 445,000 ki konna vaadu...399,000 ki pettina no sale...2007 construction..very nicely upgraded model and house..
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Maverick
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http://www.investopedia.com/articles/pf/07/avoid_pmi.asp#axz z1y9toDCib

6 reasons to avoid PMI..pmi is tax deductibe only if income is less than 110k


How to Avoid PMI
In some circumstances PMI can be avoided by using something called a piggy-back mortgage. It works like this: Assume that a prospective homeowner wants to purchase a house for $200,000, but he or she only has enough money saved for a 10% down payment (not enough to avoid PMI). By entering into what is known as an "80/10/10" agreement, the individual will take out a loan totaling 80% of the total value of the property, or $160,000. A second loan, referred to as a piggyback, will also be taken out totaling $20,000 (or 10% of the value). Finally, as part of the transaction, the buyer puts down the final 10%, or $20,000.

Read more: http://www.investopedia.com/articles/pf/07/avoid_pmi.asp#ixz z1y9uWqvfP
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Khandada
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fafi rent mortgage laaga undaali antay condo with avg hoa fees set cheyyi
if you pay 1500 rent currently, a 300k condo might cost you less than 2k per month
vadhu anukuntay rent kee ichi recover cheyyochu
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Khandada
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mav,
i am guessing your credit score is good and monthly debt to income ratio is also less
you should get good rate even if you put less than 20%

fafi
monthly rent entha kaduthunaav
how long have you been in the same area
do you see yourself being in the same location for the next few years?
the rent you are going to pay is going to go the same place the previous rent went...all down the drain

financials anni pakkana pedithay...home ownsership is an emotional choice...do you feel it matters too
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Xxx
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Papayya:

nenu ee roju katte rent morgage la undlai.. ready to move in undali




Find a foreclosure and 30 year mortage


Papayya:

xt repu vaddu anukunte paisa lekunda bayata padali.. diniki oo planing cheppandi




Forelcose it again
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Siloan
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Khandada:


alaage namasthe ..
Guriginja(22896):jagan is chandraguptha mourya with the brain of koutilya.
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Maverick
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hmm..now this thread is making me think if i should reduce my downpayment and use the interest for tax deductions
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Papayya
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Illu ela kontaru karchu lekunda.. oo plan ivvandi..

nenu ee roju katte rent morgage la undlai.. ready to move in undali..

next repu vaddu anukunte paisa lekunda bayata padali.. diniki oo planing cheppandi ..

anthe kani.. first 40 k.. repu podduna vaddu anukunte 50k bokka ante.. kastam.. konchem analysis cheppandi
Manasakshi ni champukoni brathakadam ki savam la bathakadam ki pedda teda ledu
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Simba
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Khandada:

20% down is a big amount


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Khandada
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@XXX yeah definitely all that matters is "location location location "

20% down is a big amount
10% with points ani munduku saagi poyings
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Khandada
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Posted on Monday, June 18, 2012 - 10:56 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

jodhaa
okay ee roju nundi eduru bodhuru homes kosam shopping startttttt
meeru evening ayya sariki kids andarnee pogesiii songs singuthaaaa utnay....ahaaa naa raaja ( sri laxmi style) :D

if you need any info on VA, dont hesitate to email
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Jodhaa
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Posted on Monday, June 18, 2012 - 10:53 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Maverick:

also dont put all ur money in the home as it is difficult to get money out of the home.


No one does this in this country anukontunna..unless they want to settle here. 20% kooda mandatory kaanappudu antha kattadam kooda waste kada..may be that will help us in low monthly payments.
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Maverick
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Posted on Monday, June 18, 2012 - 10:52 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

>>The place where we live is disastrous

ekkada ?
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Maverick
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Posted on Monday, June 18, 2012 - 10:51 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

>>Idhi maathram keka.

cinci lo kooda anta kante emi undadu..same type of market..u should plan
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Simba
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Posted on Monday, June 18, 2012 - 10:51 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

NJ or VA ki move avudham anukonna



NJ ki vastaru ante, roads paina red carpets veyistam kadaa...

btw, if you are serious and need advice, let us know
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Bunty717
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Jodhaa:



FB lo janalakunde desa bhakti border lo unde jawanlaku kuda undadu ':-D' --SnkrdadaMS

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Maverick
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Posted on Monday, June 18, 2012 - 10:50 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

also dont put all ur money in the home as it is difficult to get money out of the home. nenu just 20% katti migati monthly apt rental madiri lagista as long as i stay..then rent or sell
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Jodhaa
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Maverick:

maaki mortagage 1000-1500 madhya untundi


Idhi maathram keka.
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Maverick
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Posted on Monday, June 18, 2012 - 10:49 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

3 new in my street in addition to my home that is being built..maaki mortagage 1000-1500 madhya untundi kiki
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Jodhaa
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Khandada:



Bunty717:


NJ or VA ki move avudham anukonna meeru unnaaru ani..okaru emo Hi kooda chepparu..inkokaru nannu patel emanna chetha unna pattinchukoru..so mimmalni nammukoni move avvatam not correct ani dropped the idea :D
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Xxx
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Khandada:

bhayankar demand




Depends on where you are .. The place where we live is disastrous

230k house , put in the market for 165k no takers. Just an example
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Simba
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Short term ki mathram buying a house is not a wise idea. Nenu 2002 lo townhouse koni (280K), 2012 lo ammina (380K). market peak lo price 450K kooda perigindhi, but ippudu antha raavatledu. Inti meeda pettina kharchu, mortgage kalipukoni, I barely made it even. Ee time lo, loss ki ammakunda unte, adhe padivelu...
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Khandada
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Posted on Monday, June 18, 2012 - 10:45 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

@papi
illu koni 2 yrs lo ammatam is lack of planning...very few desis do that

@bunty
EAD, GC ani meelanti snrs mandipadatam kaadh
int rate is a big factor...3.8, 4 kee isthaamu ani ready...makes a diff when the mortage is going to be 3200 instead of 3800 each month vs rent of 1900
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Maverick
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my community lo march(i started looking home) to june lopala 5 new constructions completed. bagane kontunnaru..ofcourse maa area lo re seap
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Thelegend
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Posted on Monday, June 18, 2012 - 10:43 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Khandada:


inko 6-9 months lo townhome to house upgrading plaaning. etla chasthayo rates jc goru?
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Bunty717
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Posted on Monday, June 18, 2012 - 10:39 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

deeniki reason low int rates kaadu.. EAD's and GC's raavatam..
NJ lo kuda same undi situation..
FB lo janalakunde desa bhakti border lo unde jawanlaku kuda undadu ':-D' --SnkrdadaMS

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Papayya
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Posted on Monday, June 18, 2012 - 10:39 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

market bagunna... eee roju koni 2 years ki ammina niku closing cost.. house mida nivu firslo pett dabbu.. market lo 1 or 2% slide anni poga at least 50 k to 100k lose undi..

recent ga 3 4 cases chushanu .. 2 years lo konna illu ammalsi vacchindi.. with obama tax bailout 8k undaka.. 50k above loses lo ammesharu.. okaridi almost 100 k loses.

299k ki 2009 lo illu konnaru.
25k daka karchu chesharu.. tiles ani.... kitchen related stuff.
rangulu..shopping.
closing cost. madyalo adi idhi ani inko 10k daka pettaru 2 years lo..

next 2 years lo jobs change chesharu.. house ki duram.. migitha karchulu tattukoleka.. ammadaniki pedithe 250k ki takkuva offers vastunnai..

so reality ki on the spot 50k loss. plus nivu spend chesinavi.. 2 years lo 100k ante.. manam tattuko galama..

unless long term.. 10 years plan avuthe konocchu.. gula tho elli illu konte 100k panchi pettinatte
Manasakshi ni champukoni brathakadam ki savam la bathakadam ki pedda teda ledu
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Khandada
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Posted on Monday, June 18, 2012 - 10:33 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

interest rates takkuva undatam tho lots of buyers in market
low inventory tho rates taggat ledh...ok TH wednesday list ayyi Friday contract loki poyindhee
bhayankar demand

builders edaval kooda daarunam gaa cashing
price on a as it is model bumped by more than 10% in last 3 months coz of demand

oka street lo 7 new homes kee toranaalu...street motham oka patch teesukuni karivepak, kothimeera etc setting sethay made in andhra food antay idhay raa ani song singochu

nirutshaaha paduthunna badugu buyers like khandada

varthalu samaaaptham
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall

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