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Jalsa
Hero Username: Jalsa
Post Number: 16170 Registered: 02-2008 Posted From: 24.185.56.67
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 04:16 pm: |
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Rajusk:
inthaki itemized lo na leka standard aa? |
   
Rajusk
Megastar Username: Rajusk
Post Number: 22756 Registered: 02-2008 Posted From: 24.185.0.74
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 03:21 pm: |
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Maverick:
Mav, Tax lo return vachedi manam intiki pette maintenance ki set avuthundi..so ekkuva hisab veyyaku |
   
Jalsa
Hero Username: Jalsa
Post Number: 16167 Registered: 02-2008 Posted From: 24.185.56.67
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 03:06 pm: |
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Maverick:
taxes file chesetappudu, with standard deductions on turbotax, it asked me if i paid property tax, even though i was renting and counted some percentage of the rent towards property tax |
   
Maverick
Legend Username: Maverick
Post Number: 40338 Registered: 01-2008 Posted From: 98.214.85.176
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 03:05 pm: |
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Assuming 350k with best rate u may pay 1000 interest..spn11500 meeda konchem ekkuva and property taxes Who is this DB member? |
   
Maverick
Legend Username: Maverick
Post Number: 40337 Registered: 01-2008 Posted From: 98.214.85.176
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 03:02 pm: |
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Jalsa:
I think he replied in a hurry. Iddaru working aithe above 11500 what ever is the interest paid,that is beneficial and property taxes. Mee house prices ki STD deduction datutundi ile Who is this DB member? |
   
Jalsa
Hero Username: Jalsa
Post Number: 16166 Registered: 02-2008 Posted From: 24.185.56.67
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 02:59 pm: |
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Maverick:StD deduction chesi ink a mortgage interest,property taxes chestara? Ee desam lo? Itemize chesi malla STD deduction enti?
naa doubt idhey. mari simba endhi atla cheppaaru? |
   
Maverick
Legend Username: Maverick
Post Number: 40336 Registered: 01-2008 Posted From: 98.214.85.176
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 02:56 pm: |
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Urumi:
Naaku gc proof adigaru Who is this DB member? |
   
Maverick
Legend Username: Maverick
Post Number: 40335 Registered: 01-2008 Posted From: 98.214.85.176
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 02:56 pm: |
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Jalsa:
and samba? StD deduction chesi ink a mortgage interest,property taxes chestara? Ee desam lo? Itemize chesi malla STD deduction enti? Who is this DB member? |
   
Rajusk
Megastar Username: Rajusk
Post Number: 22751 Registered: 02-2008 Posted From: 24.185.0.74
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 01:57 pm: |
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Emc2:owner financing emina unda..
 |
   
Emc2
Side Hero Username: Emc2
Post Number: 8412 Registered: 03-2008 Posted From: 71.246.229.243
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 01:22 pm: |
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Rajusk:
owner financing emina unda.. cherapakura chedevu.
|
   
Rajusk
Megastar Username: Rajusk
Post Number: 22749 Registered: 02-2008 Posted From: 24.185.0.74
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 01:10 pm: |
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Jalsa:adeti, last year ye konnaru ga?
offline me baath karenge |
   
Jalsa
Hero Username: Jalsa
Post Number: 16164 Registered: 02-2008 Posted From: 24.185.56.67
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 12:48 pm: |
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Rajusk:
adeti, last year ye konnaru ga? |
   
Rajusk
Megastar Username: Rajusk
Post Number: 22748 Registered: 02-2008 Posted From: 24.185.0.74
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 12:35 pm: |
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Jalsa:that tempted me a bit but immi status stable ayyaka choodhaamnu ani wait chesaanu
nenu ammutha konukko...madhyalo broker gaadiki ichede edo...neeke price cut istha.. |
   
Urumi
Side Hero Username: Urumi
Post Number: 2992 Registered: 12-2011 Posted From: 71.174.226.211
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 12:30 pm: |
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inkaa, h1 expiry date lu ilaantivi em adagaraa gc leni vaallaki loan ivvataaniki  |
   
Jalsa
Hero Username: Jalsa
Post Number: 16162 Registered: 02-2008 Posted From: 24.185.56.67
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 11:52 am: |
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Simba:Meeru Edison lo konali ane obligation undha? Very towns explore chesara? Are your kids in middle to high school?
manchi place ayithe chaalu. i was actually looking for something closer to my workplace (hehehe, near metropark ;-) )... nenu cheppina illu kooda independent house andi. btw, how much work is it owning a independent house, considering the cold weather here etc. |
   
Simba
Side Hero Username: Simba
Post Number: 6933 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 11:49 am: |
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Jalsa: 3 br, 2 bath house with basement in north edison for 385K.
The price is very close to what I sold mine for. But mine is, 4 BR, 2.5 bath, 2 car garage with full basement (another 800 sft), "detached" home. Meeru Edison lo konali ane obligation undha? Very towns explore chesara? Are your kids in middle to high school? |
   
Jalsa
Hero Username: Jalsa
Post Number: 16159 Registered: 02-2008 Posted From: 24.185.56.67
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 11:44 am: |
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Simba:yes. That is one of the driving factors for buying a house.
on top of standard deductions aa, that's nice to know. just end of last month, naa colleague oka athanu konnaru 3 br, 2 bath house with basement in north edison for 385K. It's a split level house with a all-weather room facing the backyard. that tempted me a bit but immi status stable ayyaka choodhaamnu ani wait chesaanu. he wasn't sure if it was deductible on top of standard deductions. that's a lot of money saved  |
   
Blackmamba
Moderator Username: Blackmamba
Post Number: 20062 Registered: 05-2010
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 11:43 am: |
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Simba:em appa? aa reaction endhi??
torture anipinchindi.. took two ciggy breaks in btw.. vaammo naa valla kaaledu... |
   
Telugu_times
Moderator Username: Telugu_times
Post Number: 31498 Registered: 02-2008
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 11:38 am: |
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Politricks:
Virginia, NJ lo....you guys will be competeting with other desi guys......
 |
   
Simba
Side Hero Username: Simba
Post Number: 6931 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 11:37 am: |
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Jalsa:is property tax, mortg interest tax deductible on top of standard deductions?
yes. That is one of the driving factors for buying a house. |
   
Jalsa
Hero Username: Jalsa
Post Number: 16158 Registered: 02-2008 Posted From: 24.185.56.67
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 11:33 am: |
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last year illu kosam tirigi chaala ibbandhi paddaamu. ee year immi status stable avvaali ani choostunna...chinna size illu konukkuntey better emo anukunna gaani, i'm not able to justify the cost...like mortg payment, property taxes etc is property tax, mortg interest tax deductible on top of standard deductions? |
   
Linkmaster
Megastar Username: Linkmaster
Post Number: 28441 Registered: 02-2008 Posted From: 98.214.146.140
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 11:28 am: |
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Simba:
Thanks for this thread.. I have cancelled rental deed.. just going with purchase |
   
Jalsa
Hero Username: Jalsa
Post Number: 16157 Registered: 02-2008 Posted From: 24.185.56.67
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 11:27 am: |
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Simba:I had to come down about $15K from asking price.
that's pretty common anukunta ga unless it's in a area with demand? |
   
Politricks
Hero Username: Politricks
Post Number: 13418 Registered: 03-2008 Posted From: 76.120.242.1
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 11:20 am: |
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"Edison lo 10 year old 2600 sft house was listed for $550k. " Arachakam saami ee NOTHERN VA....EDISON NJ which is not even 30 miles from NY lo 550K listing anta...denemma ee VA lo adesize 10 year old 600K septhar saale gallu.. PULP thammud about JAGAN REDDY: vaadu oosaravelli kaadhu simhabaludu!
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Simba
Side Hero Username: Simba
Post Number: 6930 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 11:12 am: |
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Emc2:Nikkor AF 18-35mm f/3.5-4.5D ED (DX)
This is a light weight wide-angle zoom lens. Pros: Inexpensive. Light-weight. Cons: Not wide enough. DX lens (not suitable for FX cameras). Smaller aperture. Wide angle kosam aite, idhi cheaper option. Ippudu Cons lo cheppina anni ponits beat cheyyali ante, you should pick $1800 heavier lens. For D7100 I will go with the one you suggested. |
   
Emc2
Side Hero Username: Emc2
Post Number: 8411 Registered: 03-2008 Posted From: 71.246.229.243
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 11:00 am: |
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Simba:
Nikkor AF 18-35mm f/3.5-4.5D ED (DX) aa lens meeda thodara ga nee opinion cheppu,i am going to buy this today, i need this for portraits and wide angles pictures i am going to use this on d7000..
 cherapakura chedevu.
|
   
Simba
Side Hero Username: Simba
Post Number: 6928 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 10:48 am: |
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Emc2:renting work out avvaleda?
I noticed two houses, similar to mine, have been on rental market. No takers for 2.5K rent. Any lower rent minus property taxes would not justify holding on it than moving the equity to current mortgage (higer one though). |
   
Emc2
Side Hero Username: Emc2
Post Number: 8410 Registered: 03-2008 Posted From: 71.246.229.243
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 10:40 am: |
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Simba:
cool,renting work out avvaleda? cherapakura chedevu.
|
   
Simba
Side Hero Username: Simba
Post Number: 6925 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 10:12 am: |
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Jodhaa:oh last 6 months e na..ayethe case ledhu
yeyy... inga shopping shuru? |
   
Simba
Side Hero Username: Simba
Post Number: 6924 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 10:11 am: |
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Unorthodox:enni rojulu nundi neeku illu undi? konnappudu enta down chesaavu? $20k ekkuva price ki ammite asalu profit elaa make chestaavu? undedi e uullo? naakenduko neededo non-busy area lo $300k or $200k lopu house anipistandi!(nee house price telusukovaalane uddesam kaadu!)
Sayreville, NJ (4 BR, 2 car garage, full basement) '02 lo 300 ki konna. '06/'07 lo peak (450) ki vellindi. I listed for 425 expecting 400. Finally settled for 390. For the mortgage payments I paid in 5 years (I paid off by then), I am at break-even to little profit. If I had rented a big place like this for 10 years , it would be just a waste. Now, I could us this equity for future. |
   
Simba
Side Hero Username: Simba
Post Number: 6923 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 10:05 am: |
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Blackmamba:
em appa? aa reaction endhi?? Ek Tha Tiger naaku baagane anipinchindi. Salman recent movies okkati kooda naaku nacchaledu. Indulo athi cheyykunda control lo pettaru. Thodalu kotte scenes, chanthaadu antha davilogs, mind twisting logics ekkada levu. Action scenes are well shot. |
   
Blackmamba
Moderator Username: Blackmamba
Post Number: 20061 Registered: 05-2010
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 01:14 am: |
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Simba:Just out from Ek The Tiger. Nice movie.
 |
   
Simba
Side Hero Username: Simba
Post Number: 6922 Registered: 02-2008 Posted From: 166.137.88.177
Rating: N/A Votes: 0 (Vote!) | | Posted on Saturday, August 18, 2012 - 12:56 am: |
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Hookah Bar is awesome... |
   
Subzero
Hero Username: Subzero
Post Number: 14394 Registered: 04-2008 Posted From: 117.195.229.128
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 10:11 pm: |
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congrats Simba, good for u en kaadhal puriyalaya un nastam anbe po |
   
Telugu_times
Moderator Username: Telugu_times
Post Number: 31490 Registered: 02-2008
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 10:02 pm: |
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Simba:I had to come down about $15K from asking price. Inka late ayite, schools start avuthayi, sales chala padipotayi. Inka next spring varaku empty ga unchatam kante, entho kontha ku ammatam better
Yup |
   
Simba
Side Hero Username: Simba
Post Number: 6921 Registered: 02-2008 Posted From: 166.137.88.149
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 09:51 pm: |
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Just out from Ek The Tiger. Nice movie. Next stop, Fire & ice. |
   
Pointblank
Junior Artist Username: Pointblank
Post Number: 956 Registered: 05-2012 Posted From: 50.131.120.229
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 07:20 pm: |
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congrats |
   
Abcdefghij
Hero Username: Abcdefghij
Post Number: 11530 Registered: 02-2007 Posted From: 76.226.187.194
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 07:01 pm: |
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Unorthodox:If you are calculating down payment+mortgage paid till date(-sum of what you would have paid had you rented)+selling agent commission, are you still making profit with sold price being just $20k higher than bought price?
 Ravino: jail antava gandhi kuda welladu adhe bata lo jagan anna |
   
Unorthodox
Comedian Username: Unorthodox
Post Number: 1734 Registered: 02-2008 Posted From: 151.151.16.11
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 06:59 pm: |
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Home loan process was always the same, but before 2008 because of the loose lending practices from loan makers, they did not strictly follow the procedure. You still have FHA route if you want to put down less money. Anyone looking for home loan? No tears in the writer, no tears in the reader. No surprise in the writer, no surprise in the reader - Robert Frost. |
   
Unorthodox
Comedian Username: Unorthodox
Post Number: 1733 Registered: 02-2008 Posted From: 151.151.16.11
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 06:56 pm: |
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Simba:
enni rojulu nundi neeku illu undi? konnappudu enta down chesaavu? $20k ekkuva price ki ammite asalu profit elaa make chestaavu? undedi e uullo? naakenduko neededo non-busy area lo $300k or $200k lopu house anipistandi!(nee house price telusukovaalane uddesam kaadu!) If you are calculating down payment+mortgage paid till date(-sum of what you would have paid had you rented)+selling agent commission, are you still making profit with sold price being just $20k higher than bought price? No tears in the writer, no tears in the reader. No surprise in the writer, no surprise in the reader - Robert Frost. |
   
Jodhaa
Megastar Username: Jodhaa
Post Number: 23433 Registered: 02-2008 Posted From: 71.57.88.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 06:55 pm: |
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Abcdefghij:last 6 months.. particularly last 2-3 bank statements
oh last 6 months e na..ayethe case ledhu. |
   
Abcdefghij
Hero Username: Abcdefghij
Post Number: 11529 Registered: 02-2007 Posted From: 76.226.187.194
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 06:52 pm: |
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Jodhaa:hmm..ila enni years back transactions anni check chestharu gen ga?last 2 3 or 4 years?
last 6 months.. particularly last 2-3 bank statements Ravino: jail antava gandhi kuda welladu adhe bata lo jagan anna |
   
Jodhaa
Megastar Username: Jodhaa
Post Number: 23432 Registered: 02-2008 Posted From: 71.57.88.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 06:49 pm: |
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Goonda:in 2007 while buying gold.. i pooled money from all my friends and to send to gold seller. it was some thing like 28k. when i was finalizing the mortgage, the bank asked me why there were so many.. incoming transactions and where did the money go.. i had big time in explaining about what happened..
hmm..ila enni years back transactions anni check chestharu gen ga?last 2 3 or 4 years? |
   
Abcdefghij
Hero Username: Abcdefghij
Post Number: 11528 Registered: 02-2007 Posted From: 76.226.187.194
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 06:41 pm: |
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Simba:
no it has gonna up for past one year... as you said school year start ayye lopu its a good deal...leda it would go up but might have to gamble for next summer. which city? Ravino: jail antava gandhi kuda welladu adhe bata lo jagan anna |
   
Simba
Side Hero Username: Simba
Post Number: 6919 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 05:45 pm: |
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Simba: paltry $20k.
* 80k |
   
Simba
Side Hero Username: Simba
Post Number: 6918 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 05:44 pm: |
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Abcdefghij:if you could sell for profit thats real good and market is turning lookslike to green...house prices seems to go up
Not really. I bought it 10 years ago, before housing market picked up. In the peak market, I could sell for 120K profit. But, now I had to settle for paltry $20k. Have been checking the market for 6 months, it is either stable or going down. |
   
Abcdefghij
Hero Username: Abcdefghij
Post Number: 11525 Registered: 02-2007 Posted From: 76.226.187.194
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 05:38 pm: |
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Goonda:i had big time in explaining about what happened..
they usually ask letters from all transaction parties that they wont ask that money back or something... Simba:I was able to sell with little profit.
if you could sell for profit thats real good and market is turning lookslike to green...house prices seems to go up Ravino: jail antava gandhi kuda welladu adhe bata lo jagan anna |
   
Goonda
Megastar Username: Goonda
Post Number: 21126 Registered: 02-2007 Posted From: 199.82.243.105
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 05:35 pm: |
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in 2007 while buying gold.. i pooled money from all my friends and to send to gold seller. it was some thing like 28k. when i was finalizing the mortgage, the bank asked me why there were so many.. incoming transactions and where did the money go.. i had big time in explaining about what happened.. Sasibabu: If TDP loses next elechens, i will donate 10% of my salary to TDP Skywalker: Bala chiru type kadu.....narasimha swamy avataram etti posani gadi pegulu medalo esukuntadu |
   
Goonda
Megastar Username: Goonda
Post Number: 21125 Registered: 02-2007 Posted From: 199.82.243.105
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 05:30 pm: |
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Oohlala:Congrats.... telisina vallaki short sale lo 350k house teesukunnaru, on H1, with just 5% down....process doesn't seem to be consistent everywhere
they have to pay mortagage insurance for this.. Sasibabu: If TDP loses next elechens, i will donate 10% of my salary to TDP Skywalker: Bala chiru type kadu.....narasimha swamy avataram etti posani gadi pegulu medalo esukuntadu |
   
Oohlala
Side Hero Username: Oohlala
Post Number: 3058 Registered: 09-2008 Posted From: 173.36.196.11
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 05:19 pm: |
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Simba:
Congrats.... telisina vallaki short sale lo 350k house teesukunnaru, on H1, with just 5% down....process doesn't seem to be consistent everywhere |
   
Simba
Side Hero Username: Simba
Post Number: 6917 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 05:03 pm: |
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Maverick:
Understand. But, that's is not how lender thinks. It is not just your potential to pay the money, but any unverified sources flags them into suspecting. Again, these verifications vary on market conditions. Few years ago, when housing market was going up, nobody questioned these. After the bubble, they see every small thing under microscope. Can't help. |
   
Linkmaster
Megastar Username: Linkmaster
Post Number: 28440 Registered: 02-2008 Posted From: 149.128.8.245
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 05:00 pm: |
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Simba:
simba, pl call me on 309 706 2126.. kind of urgent.. thanks |
   
Jodhaa
Megastar Username: Jodhaa
Post Number: 23424 Registered: 02-2008 Posted From: 69.174.58.124
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:53 pm: |
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Simba:Nenu em chesanate... India lo friends ki dabbulu icchi, ikkada valla checks ni naa a/c lo veyakunda, direct ga, new house upgrades contractors ki, appliances dealers ki etc icchesa. Ikkada baaki teerindi, without my personal account anywhere.
superrr |
   
Jodhaa
Megastar Username: Jodhaa
Post Number: 23423 Registered: 02-2008 Posted From: 69.174.58.124
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:52 pm: |
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Simba:Apparently, there is no easy way than hawala. India lo dabbu icchi, ikkada $s teesukovacchu. But, aa dabbu mana a/c lo veste, lender vandha questions aduguthadu.
nah nah..its not hawala..2 many deposits from friends into my checking account and naa bank nunchi valla india bank ki transfer petta. |
   
Maverick
Legend Username: Maverick
Post Number: 40323 Registered: 01-2008 Posted From: 70.39.231.172
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:51 pm: |
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>>Neeku dabbu katte thahathu undhi, kaani adhi ela vacchindi annadi imp. >>say your 20% down is 50k...and u have funds upto 70K..out of which only 3K is coming from other account. what is the need to verify that 3K when there is a straight verified/clear 67K which is more than the downpayment? Who is this DB member? |
   
Simba
Side Hero Username: Simba
Post Number: 6916 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:50 pm: |
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Jodhaa:naa account ganuka vaadu motham check chesthey easy ga oka 15 flags raise chesthaadu emo.
Remember, 8 months ago I opened a thread here asking ideas to transfer money from India? Apparently, there is no easy way than hawala. India lo dabbu icchi, ikkada $s teesukovacchu. But, aa dabbu mana a/c lo veste, lender vandha questions aduguthadu. Nenu em chesanate... India lo friends ki dabbulu icchi, ikkada valla checks ni naa a/c lo veyakunda, direct ga, new house upgrades contractors ki, appliances dealers ki etc icchesa. Ikkada baaki teerindi, without my personal account anywhere. |
   
Simba
Side Hero Username: Simba
Post Number: 6915 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:44 pm: |
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Maverick:wats the purpose?
Neeku dabbu katte thahathu undhi, kaani adhi ela vacchindi annadi imp. It is more of regulation than verification. |
   
Linkmaster
Megastar Username: Linkmaster
Post Number: 28439 Registered: 02-2008 Posted From: 149.128.8.245
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:41 pm: |
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Simba:
pl send a test mail to dasapaka at yahoo.. need lot of info from you.. Thanks |
   
Guru
Side Hero Username: Guru
Post Number: 4060 Registered: 05-2009 Posted From: 192.193.216.147
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:40 pm: |
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simba:enchakka edison lo "mana" valla madhya undi, oak tree lo food thini, movies chooste chaalu. They are just stuck to group-thinking.
tru that but the house i was talking about was in Summit |
   
Simba
Side Hero Username: Simba
Post Number: 6913 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:40 pm: |
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Jodhaa:out..clean bowled.
mee friends ila untara? |
   
Maverick
Legend Username: Maverick
Post Number: 40319 Registered: 01-2008 Posted From: 70.39.231.172
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:39 pm: |
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simba 40308 choosi konchem decode chestava wats the purpose? Who is this DB member? |
   
Jodhaa
Megastar Username: Jodhaa
Post Number: 23420 Registered: 02-2008 Posted From: 69.174.58.124
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:34 pm: |
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Maverick:and explaining transactions is also a pain..anything coming in >3k-4k gets flagged and need to explain..
out..clean bowled. |
   
Jodhaa
Megastar Username: Jodhaa
Post Number: 23419 Registered: 02-2008 Posted From: 69.174.58.124
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:34 pm: |
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Khandada:@Jodhaa meeru bombai lo auto johny..idharr kaa maal udhar aa...hehe
he he..oka range lo..thats mom life..last year verey friends ki kooda transfer chesi petta L1's ki..naa account ganuka vaadu motham check chesthey easy ga oka 15 flags raise chesthaadu emo.. |
   
Khandada
Side Hero Username: Khandada
Post Number: 3727 Registered: 10-2008 Posted From: 64.79.135.151
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:26 pm: |
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@Jodhaa meeru bombai lo auto johny..idharr kaa maal udhar aa...hehe Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall |
   
Jodhaa
Megastar Username: Jodhaa
Post Number: 23418 Registered: 02-2008 Posted From: 69.174.58.124
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:24 pm: |
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Simba:Then, they go thru your checking accounts and monitor large deposits. You have to explain sources for each deposit. If it comes from a friend/relative, they require a signed letter to confirm that it is not a loan (no need to pay back).
 |
   
Simba
Side Hero Username: Simba
Post Number: 6912 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:22 pm: |
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Truelies:congrats, kotha illu konnara?
Nope, just ammina. 4 months kritham vere illu konna. |
   
Simba
Side Hero Username: Simba
Post Number: 6911 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:21 pm: |
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Guru:btw NJ lo good school districts & commute options to NYC untey inka demand baga undi. Last yr a house was listed on thursday..friday they got an offer..saturday open house tharvatha..Sunday morning ki they had 4 offers in hand..finally they went with a buyer who offered 15k more than the asking price. My offer got rejected.
Agree and feel sad at the same time. Edison lo 10 year old 2600 sft house was listed for $550k. Multiple offers icchi final ga $565K evaro desi konnadu. Enduku? Edison lo school baguntayi. That is just Middlesex county. Mottham NJ lo Edison school is not even in Top 50 list. If you move to different county, there are much better (newer) home and cheaper. But, desi mentality entante... enchakka edison lo "mana" valla madhya undi, oak tree lo food thini, movies chooste chaalu. They are just stuck to group-thinking. |
   
Truelies
Comedian Username: Truelies
Post Number: 1751 Registered: 05-2012 Posted From: 50.59.18.138
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:17 pm: |
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Simba:
congrats, kotha illu konnara? |
   
Guru
Side Hero Username: Guru
Post Number: 4057 Registered: 05-2009 Posted From: 192.193.171.152
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:14 pm: |
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full time and savings acct untey veesey ga isthannaru loans..mine was approved without any issues. btw NJ lo good school districts & commute options to NYC untey inka demand baga undi. Last yr a house was listed on thursday..friday they got an offer..saturday open house tharvatha..Sunday morning ki they had 4 offers in hand..finally they went with a buyer who offered 15k more than the asking price. My offer got rejected. |
   
Khandada
Side Hero Username: Khandada
Post Number: 3724 Registered: 10-2008 Posted From: 64.79.135.151
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:14 pm: |
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btw, congrats simban mortgage lending chaala tight sesaar...with added headache for non USC/GC Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall |
   
Maverick
Legend Username: Maverick
Post Number: 40308 Registered: 01-2008 Posted From: 70.39.231.172
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:10 pm: |
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paycheck 30 day window of closing was a big hasle for me as consulting always runs behind(most of the cases) special payrol run cheyyalsi vacchindi..and explaining transactions is also a pain..anything coming in >3k-4k gets flagged and need to explain..one thing i dont undertand with these guys is say your 20% down is 50k...and u have funds upto 70K..out of which only 3K is coming from other account. what is the need to verify that 3K when there is a straight 67K which is more than the downpayment? Who is this DB member? |
   
Khandada
Side Hero Username: Khandada
Post Number: 3723 Registered: 10-2008 Posted From: 64.79.135.151
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:10 pm: |
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yo bunty manchi listing open house kee potha ganta lo 15 parties vassar...andulo 10 desi :P Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall |
   
Siloan
Megastar Username: Siloan
Post Number: 27377 Registered: 03-2008 Posted From: 132.174.252.205
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:04 pm: |
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humpesh 700k ki trying anta...soooddari http://www.youtube.com/watch?v=KOgzdZqNtKQ&feature=player_embedded |
   
Simba
Side Hero Username: Simba
Post Number: 6910 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 04:04 pm: |
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Starts with credit checks, Employment verification. Property appraisal chesi, adhi market rate lo undha ledha ani confirm chestaru. Asking for down payment of about 15-20%. Then, they go thru your checking accounts and monitor large deposits. You have to explain sources for each deposit. If it comes from a friend/relative, they require a signed letter to confirm that it is not a loan (no need to pay back). Ee sodhi antha ayye sariki oka nela paduthundi. Cedit checks expire ayyayi ani malli chestaru. Day before closing, job undha oodindha ani malli checks. Anni correct ga unnodiki no problem. Lekapote, peddha headache... |
   
Maverick
Legend Username: Maverick
Post Number: 40302 Registered: 01-2008 Posted From: 70.39.231.172
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 03:58 pm: |
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simba nakanta verification anipinchaledu..credit/salary/residency checks common ee kada..i dont know about bigger loan scenario >500k Who is this DB member? |
   
Jodhaa
Megastar Username: Jodhaa
Post Number: 23417 Registered: 02-2008 Posted From: 69.174.58.124
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 03:56 pm: |
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Simba:Oka level lo checks, verifications chestunnaru.
elaanti verification untunnaaye these days? |
   
Simba
Side Hero Username: Simba
Post Number: 6908 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 03:52 pm: |
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Thanks guys. Eyala repu mortgage ravatam kante fresh ga H1B visa ravatam easy. Oka level lo checks, verifications chestunnaru. OKa 5 years kritham entha easy ga loans dorikevo, ippudu antha diffult ga undhi. |
   
Bunty717
Moderator Username: Bunty717
Post Number: 28655 Registered: 02-2008
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 03:45 pm: |
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Khandada:market lo ma alanti despo buyers unnar.
idi chaala chinna %.. major shopping antaa.. by july ayipotaadi.. malli march aprl nunchi start chestaaru andariki golden heart PK telusu.. naaku KF telusu.. |
   
Kish
Megastar Username: Kish
Post Number: 25870 Registered: 02-2008 Posted From: 173.9.243.53
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 03:44 pm: |
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Simba:
 || || PK || JP || MODI || CBN || SACHIN || JDLN || |
   
Bunty717
Moderator Username: Bunty717
Post Number: 28654 Registered: 02-2008
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 03:44 pm: |
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2012 lo simban vunkul.. alladinchestunnadu.. andariki golden heart PK telusu.. naaku KF telusu.. |
   
Khandada
Side Hero Username: Khandada
Post Number: 3722 Registered: 10-2008 Posted From: 64.79.135.151
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 03:43 pm: |
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//Inka late ayite, schools start avuthayi, sales chala padipotayi.// market lo ma alanti despo buyers unnar...if all is well demand is still there Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall |
   
Jodhaa
Megastar Username: Jodhaa
Post Number: 23416 Registered: 02-2008 Posted From: 71.57.88.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 03:39 pm: |
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Simba:
 |
   
Simba
Side Hero Username: Simba
Post Number: 6907 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 03:36 pm: |
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Bunty717:
yeah.. I had to come down about $15K from asking price. Inka late ayite, schools start avuthayi, sales chala padipotayi. Inka next spring varaku empty ga unchatam kante, entho kontha ku ammatam better. |
   
Bunty717
Moderator Username: Bunty717
Post Number: 28652 Registered: 02-2008
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 03:33 pm: |
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Apl lo listing .. Aug lo closing ante fast gaane move ayindi kada vunkul.. andariki golden heart PK telusu.. naaku KF telusu.. |
   
Simba
Side Hero Username: Simba
Post Number: 6905 Registered: 02-2008 Posted From: 24.188.108.251
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 03:33 pm: |
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Last year listing chesi, teesesaa. Double move ante kastam ani. Malli ee year April lo list chesaa.. found this buyer in June but loan processing, paper work ayye sariki August vacchindi. |
   
Bunty717
Moderator Username: Bunty717
Post Number: 28651 Registered: 02-2008
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 03:31 pm: |
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enni days attindi ammadaniki.. andariki golden heart PK telusu.. naaku KF telusu.. |
   
Thelegend
Moderator Username: Thelegend
Post Number: 18416 Registered: 04-2008
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, August 17, 2012 - 03:30 pm: |
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Simba:Ee market lo ammatam antha easy kaadu. I was able to sell with little profit
good fo you, kwangratz |
   
Simba
Side Hero Username: Simba
Post Number: 6903 Registered: 02-2008 Posted From: 24.188.108.251
Rating:  Votes: 1 (Vote!) | | Posted on Friday, August 17, 2012 - 03:27 pm: |
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Final ga, naa paatha illu ammesaa. Just back from closing. Ee market lo ammatam antha easy kaadu. I was able to sell with little profit. That's a big burden off the chest. |