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Mclovin
Junior Artist Username: Mclovin
Post Number: 44 Registered: 02-2008 Posted From: 69.45.100.129
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 12:27 pm: |
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Andarikee saalaa saalaa thanks.. ab aayegaa majaa.. |
   
Ravino786
Junior Artist Username: Ravino786
Post Number: 984 Registered: 12-2006 Posted From: 155.139.40.51
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 12:18 pm: |
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mclov...nee kyamedi ni poi lo etti mantetta.. oka partner doctor aithe, she alone will get atleast 250K.. together 150 enti.. thokka.. tamudu doctors ki now a days relax ga sette 100-125 k wastundhi...specialization undhi ratimbavallu kastapadithe will get 250 ...liability insurence kindha baga potundhi ...and its too risky ..ma client degara oka ER specialist computers meedha knowledge penchukoni Citrix lo seradu as manager wallu hired this guy to bid healthcare clients as he has both computers and he is doctor...he gets 350 plus bonus ..antha doctor ga undi sampadinchante very risky and full tension...} |
   
Cylonesubbarao
Junior Artist Username: Cylonesubbarao
Post Number: 578 Registered: 02-2008 Posted From: 72.90.147.146
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 12:15 pm: |
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Mclovin:final gaa 750+ unte, entha apr demanding seyochhu
Nuvvu demanding sesedi emi ledhu... aadu enta iste anta teesukovadam. Check at various bank sites you will have an idea. WellsFargo DCU WaMu ila oka naalugu ayidu places lo check cheyyi... you will have an idea about prevailing average rate. నేడేరా నీకు నేస్తమూ రేపే లేదు నిన్నంటే నిండుసున్నరా రానే రాదు ~ Veturi |
   
Goonda
Side Hero Username: Goonda
Post Number: 6117 Registered: 02-2007 Posted From: 146.18.173.74
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 12:14 pm: |
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Mclovin:Rao gaaaru and other bedars.. final gaa 750+ unte, entha apr demanding seyochhu.. on 300K loan.. 30K down..
banks will give loan for 80% only you have to get 2nd load for the rest of 20%- your down payment. APR differs from bank to bank. 30 yrs ayitey i think should be around 5.75 -6% ఆంధ్ర రాష్ట్రం కొత్త ముఖ్యమంత్రి కోసం ఎదురు చూస్తుంది |
   
Mclovin
Junior Artist Username: Mclovin
Post Number: 42 Registered: 02-2008 Posted From: 69.45.100.129
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 12:13 pm: |
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Rao gaaaru and other bedars.. final gaa 750+ unte, entha apr demanding seyochhu.. on 300K loan.. 30K down.. |
   
Mclovin
Junior Artist Username: Mclovin
Post Number: 40 Registered: 02-2008 Posted From: 69.45.100.129
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 12:06 pm: |
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Ravino786:US home konadam is for luzary ...i mean pedda home enjoy sedamante konukondi if both work and get 150 above and have stable jobs ..if one of the partner is doctor ...
nee kyamedi ni poi lo etti mantetta.. oka partner doctor aithe, she alone will get atleast 250K.. together 150 enti.. thokka..
Bicchapathi:SC lo ma prend 400$ ki double bedroom enjoy chestunnadu.. Bastan lo talli 1400$ ki single beroom..
fafi.. alaska lo 350 four bed individual house ostadi.. potaavaa? |
   
Kalikaalam
Junior Artist Username: Kalikaalam
Post Number: 241 Registered: 01-2008 Posted From: 171.159.192.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 12:05 pm: |
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cycllne cheppedi correcte. Area ni batti kudaa vuntundi. |
   
Cylonesubbarao
Junior Artist Username: Cylonesubbarao
Post Number: 574 Registered: 02-2008 Posted From: 72.90.147.146
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 12:02 pm: |
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Mclovin:770 anuko, happud enta apr?
Anything above 750 is good!
Ravino786:home US lo profit anedhi medda myth
Depends on market area too, NJ area lo fast gane move avutayi illu and on top peddaga padaledhu market rates ikkada. Profit anedi... if you hold it for atleast 5 years you will have gains... anthe kaani.. within months lo profit making ante kudaradhu. Also shares laga... every day naa home value entha ani soosukune vaallaki kooda paniki raadhu home buying. నేడేరా నీకు నేస్తమూ రేపే లేదు నిన్నంటే నిండుసున్నరా రానే రాదు ~ Veturi |
   
Okatelugodu
Junior Artist Username: Okatelugodu
Post Number: 44 Registered: 02-2008 Posted From: 199.43.48.131
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 12:02 pm: |
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700 ante saana takkuva brother Ippudu Fair Issac co. is changing the way credit rating is determinted. But with the presnt way with FICO score of 720 you get usually the best rate. 700 is decent, but you might end up paying 25 basis point more than the best rate lender offers
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Kalikaalam
Junior Artist Username: Kalikaalam
Post Number: 240 Registered: 01-2008 Posted From: 171.159.192.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 12:01 pm: |
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//ledha kutta musuoni appartmne tlo enjoy seyadma better... home US lo profit anedhi medda myth}// naa feeling kuda ide. |
   
Bicchapathi
Junior Artist Username: Bicchapathi
Post Number: 75 Registered: 02-2008 Posted From: 141.158.20.2
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 12:01 pm: |
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SC lo ma prend 400$ ki double bedroom enjoy chestunnadu.. Bastan lo talli 1400$ ki single beroom.. Ravino mata inakandi.. ippudu inlu koni miru bagupadutharu ani ala chebutunnadu.. |
   
Ravino786
Junior Artist Username: Ravino786
Post Number: 983 Registered: 12-2006 Posted From: 155.139.40.51
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 12:00 pm: |
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700 undante parledhu as of present conditions ...here usage kuda sootaru ur credit might be low because you might not used the credit...} |
   
Ravino786
Junior Artist Username: Ravino786
Post Number: 982 Registered: 12-2006 Posted From: 155.139.40.51
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:59 am: |
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US home konadam is for luzary ...i mean pedda home enjoy sedamante konukondi if both work and get 150 above and have stable jobs ..if one of the partner is doctor ... ledha kutta musuoni appartmne tlo enjoy seyadma better... home US lo profit anedhi medda myth} |
   
Mclovin
Junior Artist Username: Mclovin
Post Number: 38 Registered: 02-2008 Posted From: 69.45.100.129
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:58 am: |
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Cylonesubbarao:700 ante saana takkuva brother. Kallu gaadiki kooda untadi aa rate.
770 anuko, happud enta apr? |
   
Cylonesubbarao
Junior Artist Username: Cylonesubbarao
Post Number: 572 Registered: 02-2008 Posted From: 72.90.147.146
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:58 am: |
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Kalikaalam:oka 100 dolalrs ichi, mi income, mi family memebrs details ichi tax param gaa "house konaka pothe yentha tax pay cheyyalsi vasthuni","house konthe yentha pay cheyyaalsi vuntundi" ane comparitve statments thisukondi.
Nenu free ga sebutha... Archives lo ekkado oka XLS file undedi... andhulo... you can put your details and play around with various numbers and options to get to know about your affordability. But backup hard disk lo ekkado undi.. I have to look for it. నేడేరా నీకు నేస్తమూ రేపే లేదు నిన్నంటే నిండుసున్నరా రానే రాదు ~ Veturi |
   
Mclovin
Junior Artist Username: Mclovin
Post Number: 37 Registered: 02-2008 Posted From: 69.45.100.129
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:56 am: |
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KK bedar.. Tho not fully, but can understand what your feelings are on buying a house.. NJ is kinda different league ee housing market lo.. naa future looks enti ante.. dec 2008 varaku padataai ani public talk.. so, entha varaku padda adi inko max one year untadi.. atleast daani taruvaata ainaa koosintha appreciate avutaai kadaa real properties? adi + right now apr's takkuva unnai ani aalochistunnaa.. |
   
Kalikaalam
Junior Artist Username: Kalikaalam
Post Number: 239 Registered: 01-2008 Posted From: 171.159.192.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:55 am: |
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//There is something called standard of living which cannot be measured. Some people enjoy owning a new electronic gadget. Aa satisfaction ki manam rate kattalemu. // anduke maama, nenu first post lone mention chesaa. Illu investment wise gaa maatram utterly waste ani. Oka vela sontha illu vundaali. Pillalanu oka standard of living lo penchaali anukonte.."Go..ahead". Inka yemi aalochinchavadhu. Kaani financial caluculations tho ayithe maatarm "yenduku waste" anedi illu konnaaka thleusthundi. |
   
Cylonesubbarao
Junior Artist Username: Cylonesubbarao
Post Number: 571 Registered: 02-2008 Posted From: 72.90.147.146
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:54 am: |
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Mclovin:At current conditions, say my credit score is 700, wat is my best apr rate?
700 ante saana takkuva brother. Kallu gaadiki kooda untadi aa rate. Sorry... you have to improve your credit score. Mortgage market lo idi saana important. Your rate is decided based on your score. నేడేరా నీకు నేస్తమూ రేపే లేదు నిన్నంటే నిండుసున్నరా రానే రాదు ~ Veturi |
   
Cylonesubbarao
Junior Artist Username: Cylonesubbarao
Post Number: 570 Registered: 02-2008 Posted From: 72.90.147.146
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:53 am: |
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Kalikaalam:kaani future lo "kalikaalam ane vaadu oka salaha ichaadu.aalochisthe baagundedemo" ane paristhithi niku raakudadane anukontunnaanu.
Kali... NJ lo public transportation/major highways ki access lo unna areas lo illu thondaraga potayi... should not be a problem for resale. నేడేరా నీకు నేస్తమూ రేపే లేదు నిన్నంటే నిండుసున్నరా రానే రాదు ~ Veturi |
   
Cylonesubbarao
Junior Artist Username: Cylonesubbarao
Post Number: 569 Registered: 02-2008 Posted From: 72.90.147.146
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:51 am: |
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Kalikaalam:so, yenth save chesaaru mahaa ayithe 2000 dollars. Kaani, miru katte indeirect expenses inthakante yekkuva vuntaayi.
There is something called standard of living which cannot be measured. Some people enjoy owning a new electronic gadget. Aa satisfaction ki manam rate kattalemu. Bottomline emiti ante... we cannot and should not measure everything with money. Naaku telisi US lo housing market lo loss avvadam anedhi.. only when people are in mad rush to sell their house... otherwise... mostly profitable venture. నేడేరా నీకు నేస్తమూ రేపే లేదు నిన్నంటే నిండుసున్నరా రానే రాదు ~ Veturi |
   
Mclovin
Junior Artist Username: Mclovin
Post Number: 36 Registered: 02-2008 Posted From: 69.45.100.129
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:51 am: |
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At current conditions, say my credit score is 700, wat is my best apr rate? |
   
Kalikaalam
Junior Artist Username: Kalikaalam
Post Number: 238 Registered: 01-2008 Posted From: 171.159.192.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:48 am: |
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//But bedar.. manaki oka property ani okati untadi kadaa? at the sametime if you see, paying 1300 as rent is, is just going down the drain.. at the end of year.. nothing.. naaku property value peragaalsina avasaram ledu.. atmost, it should go down and which is true for an apt near a train station.. edison area kadhe veru baabai.. if you know.. if not, asalu neeku apt dorakadu.. atleast one and half month wait untadi.. and manchi apt dorakaali ante sukkalu.. nenu avi ruchi choosaa..// Good luck to you. kaani future lo "kalikaalam ane vaadu oka salaha ichaadu.aalochisthe baagundedemo" ane paristhithi niku raakudadane anukontunnaanu. |
   
Cylonesubbarao
Junior Artist Username: Cylonesubbarao
Post Number: 568 Registered: 02-2008 Posted From: 72.90.147.146
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:46 am: |
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Goonda:after 5 yrs current market lo vunna APR apply chestaru. antey kada annai
Partially correct. When you are signing for ARM loans... they will be given with some pre-conditions. 5/1 or 5/2 arms ani ante meaning is your interest rate is fixed for a max of 5 years and then increased every year in first case or every 2 years in second case. And then it will also be provided in your loan what is the max increase rate (not lifetime) for each rate adjustment. Usually this is 2% increase every adjustment. There is another item called life time sealing... meaning that rate cannot go beyond that rate at any point of time. Usually this is 5-6% more than your initial rate. Lets say you had a loan for 4% APR on 5/1 ARM loan with and 2% adjustment each rate increase with a life time sealing as 10% (4% initial + 6%) So after 5 years your rate will be adjusted and assume your adjustment rate as 2% and assume following 2 scenarios: Year 6: Ex: 1. Current Market rate at 7% Ex: 2. Current Market rate at 5% Ex:1 Since your initial rate is 4% and rate adjustment is only 2%, your new rate after Year 5 (6th Year) is 4 + 2 = 6% which is better than market rate (7%) Ex:2 Your new rate after year 5 (6th Year) will be 4 + 2 = 6%... which is worse than market rate 5%. Then it is ideal to refinance than go with current rate. Life sealing prakaram... you rate can never go more than 10% as mentioned above. Inka emanna doubts unte postandi... I will try to clarify. నేడేరా నీకు నేస్తమూ రేపే లేదు నిన్నంటే నిండుసున్నరా రానే రాదు ~ Veturi |
   
Kalikaalam
Junior Artist Username: Kalikaalam
Post Number: 237 Registered: 01-2008 Posted From: 171.159.192.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:45 am: |
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"konaali" ane korika modalayyaaka yevaru yentha cheppinaa thal ku yekkadu. nenu kudaa alaage konnaanu. Oka vela nijam gaa (emotioanl gaa kaakunda) konaalanukonte mundu oka tax consultant daggaraku velli "Tax effect" emito kanukkondi. Oka vela miru High tax bracket lo ki velithe illu konadam baagaa vupayogisthundi. mi interest valana mi brakcet thaggi lower bracket loki raavdam valana tax baagaa thaggidhi. kaabatti, mi income,mi family size details tho tax expert ni consult chesi oka decission ki randi. |
   
Mclovin
Junior Artist Username: Mclovin
Post Number: 35 Registered: 02-2008 Posted From: 69.45.100.129
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:44 am: |
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Kalikaalam:so, yenth save chesaaru mahaa ayithe 2000 dollars. Kaani, miru katte indeirect expenses inthakante yekkuva vuntaayi.Example: trash,water,snow removal,excess gas and electricity etc..
But bedar.. manaki oka property ani okati untadi kadaa? at the sametime if you see, paying 1300 as rent is, is just going down the drain.. at the end of year.. nothing.. naaku property value peragaalsina avasaram ledu.. atmost, it should go down and which is true for an apt near a train station.. edison area kadhe veru baabai.. if you know.. if not, asalu neeku apt dorakadu.. atleast one and half month wait untadi.. and manchi apt dorakaali ante sukkalu.. nenu avi ruchi choosaa.. |
   
Kalikaalam
Junior Artist Username: Kalikaalam
Post Number: 236 Registered: 01-2008 Posted From: 171.159.192.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:41 am: |
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Illu one mundu cheyyalsina oka mukhyamain pani(yekkkuva mandi cheyyanidi) yemitante, urgent gaa oka tax c0nsultant ni kalavandi. oka 100 dolalrs ichi, mi income, mi family memebrs details ichi tax param gaa "house konaka pothe yentha tax pay cheyyalsi vasthuni","house konthe yentha pay cheyyaalsi vuntundi" ane comparitve statments thisukondi. appudu thelusthundi yentha save chesthaamanaedi. |
   
Kalikaalam
Junior Artist Username: Kalikaalam
Post Number: 235 Registered: 01-2008 Posted From: 171.159.192.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:37 am: |
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Mi income 80 k anukondaamu. wife and 2 kids ani standard thisukoni caluculate chesi chudaamu. If you stay in apartment: Income 80,000 standard deduction:10000 Personal exemptions:12,500(approximately) taxable income(80000-10000-12,5000)=57,500,your tax is around 8,000 dollars. If you buy house; Income 80,000 Schedule A deduction(you need to choose either Standard or schedule A):22,000 Your approximate interest income in the first year for about 300,000 mortgage loan. personal exemption 12,500/- Net taxable income:45,500 your tax is 6,000 dollars. so, yenth save chesaaru mahaa ayithe 2000 dollars. Kaani, miru katte indeirect expenses inthakante yekkuva vuntaayi.Example: trash,water,snow removal,excess gas and electricity etc.. |
   
Mclovin
Junior Artist Username: Mclovin
Post Number: 33 Registered: 02-2008 Posted From: 69.45.100.129
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:36 am: |
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Cylonesubbarao:Satti bhai... nannu nammu... neeku anyayam jaragadhu.
Naaku telusu rao gaaru.. meeru naaku anyaam jeraganivvaru ani.. because basically you are a good firetruck.. ;-) bedars.. this is incredibly buyers market.. anduke 'Digaalani Undi' ofcourse, interest rates are kinda high.. 4.5 ki maavodiki vachhindi.. adi ekkuvo takkuvo naaku telustaledu.. 6 ante ekkuva emo ani naa peeling.. inka konni banks (like bofa), inthakaithe anthaki ani deal settunnaaru ani info.. already bofa vaadi teevramaina bokka and citi vaadiki.. so, buyers de raajyam ani talk.. |
   
Goonda
Side Hero Username: Goonda
Post Number: 6115 Registered: 02-2007 Posted From: 146.18.173.74
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:32 am: |
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Cylonesubbarao:Malli bhootu... yehe... detailed ga post settanu babu... andharu bhootul seppettunaru ikkada
after 5 yrs current market lo vunna APR apply chestaru. antey kada annai ఆంధ్ర రాష్ట్రం కొత్త ముఖ్యమంత్రి కోసం ఎదురు చూస్తుంది |
   
Telugu_times
Junior Artist Username: Telugu_times
Post Number: 167 Registered: 02-2008 Posted From: 40.0.40.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:32 am: |
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Rao gaaru, nannu half knowledge gaalla list lo esaysaru, nenu inka jumpu |
   
Goonda
Side Hero Username: Goonda
Post Number: 6114 Registered: 02-2007 Posted From: 146.18.173.74
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:30 am: |
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Telugu_times:Dont try to catch a falling knife
if you compare the house prices from last 2 yrs you'll know. You can go to www.zillow.com and can compare the house price trend in last 5 yrs ఆంధ్ర రాష్ట్రం కొత్త ముఖ్యమంత్రి కోసం ఎదురు చూస్తుంది |
   
Cylonesubbarao
Junior Artist Username: Cylonesubbarao
Post Number: 567 Registered: 02-2008 Posted From: 72.90.147.146
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:29 am: |
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Telugu_times:5 yr arm lo, after 5 yrs, they have to re-finance and get whatever rate they get at that time.
Malli bhootu... yehe... detailed ga post settanu babu... andharu bhootul seppettunaru ikkada. నేడేరా నీకు నేస్తమూ రేపే లేదు నిన్నంటే నిండుసున్నరా రానే రాదు ~ Veturi |
   
Cylonesubbarao
Junior Artist Username: Cylonesubbarao
Post Number: 566 Registered: 02-2008 Posted From: 72.90.147.146
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:28 am: |
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Goonda:annai naa close friends iddaru 5 yr ARM lo vunnaru, I posted here what ever they said to me
Nenu kooda 5-ARM lone unna.
Telugu_times:ehe, housing market strong gaa untay, house construction pinish ayye logaanay, janaalu 50K chesu kunna rojulu unnaayi, but not anymore.
This is buyers market now. Forget about making immediate profits... aa thinking thone... mana desi's saana mandi sethulu kaalchukunnaru. Satti bhai... nannu nammu... neeku anyayam jaragadhu.  నేడేరా నీకు నేస్తమూ రేపే లేదు నిన్నంటే నిండుసున్నరా రానే రాదు ~ Veturi |
   
Telugu_times
Junior Artist Username: Telugu_times
Post Number: 166 Registered: 02-2008 Posted From: 40.0.40.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:27 am: |
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kaani this is buyers market, its good time to buy a house. house prices are at 3-5 yr low. this is a good time and more over intrest rates are also reasonable >>> waiting till elechions is a good idea. saametha Dont try to catch a falling knife j/k |
   
Kalikaalam
Junior Artist Username: Kalikaalam
Post Number: 234 Registered: 01-2008 Posted From: 171.159.192.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:26 am: |
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"rent kosame illu konadam" ane concept mida naaku idea ledu. Kaabtti naaku yemi theliyadu. Oka single home owner gaa naa 9ibbandulu maatram ikkada chebuthaanu. (1)Real estate lo(USA lo) growth chaalaa slow gaa vuntundi.Ippudu ayithe losses kudaa vasthunnaayi. (2)Inti mortgate tho paatu school taxes and property taxes kattalli. General gaa ivi lekka lo veskokundaa manam rent tho compare chesthaamu.ikkade borlaa padthaamu. (3)Inti utilities viparitha gaa vuntaayi(apartment tho polisthe). (4)snow removal, grass cutting sangathi sare sari. (5) Inti ki eyppudu repairs vasthaayi. ye repair vahcina 100's or thousands lo vuntaayi . (6)taxes: idi kuda mi income ni batti chusukovaali. intereset motham refund laagaa raadu. mi total income lo thagguthundi. anthe. konthamandi ki idi pedh effect ivvadu. Tax thagguthundi ane daanini blind gaa follow avavadhu. next post lo konchem vivaram gaa chebuthaanu |
   
Jodhaa
Junior Artist Username: Jodhaa
Post Number: 13 Registered: 02-2008 Posted From: 208.11.223.20
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:26 am: |
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Kalikaalam:paigaa aprtment konukkvadam ane concept america lo vunnaatlu naaku theliyady
chala mandhi theesukonnaru Kalikalam as a Investment...na colleague oka athanu Boston lo Individual home and apartment kooda konnadu..apartment emo rent ki itchesi family emo Individual house lo vuntunnaru...according to him apartment ki vache rent ponu he is paying 200 for Mortage from his pocket.. No one can make you feel inferior without your permission, remember they are no better |
   
Telugu_times
Junior Artist Username: Telugu_times
Post Number: 165 Registered: 02-2008 Posted From: 40.0.40.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:26 am: |
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5 yr arm lo, after 5 yrs, they have to re-finance and get whatever rate they get at that time. risk involved. other than that, it is like a regular 30 yr thing |
   
Goonda
Side Hero Username: Goonda
Post Number: 6112 Registered: 02-2007 Posted From: 146.18.173.74
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:26 am: |
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Telugu_times:ehe, housing market strong gaa untay, house construction pinish ayye logaanay, janaalu 50K chesu kunna rojulu unnaayi, but not anymore.
kaani this is buyers market, its good time to buy a house. house prices are at 3-5 yr low. this is a good time and more over intrest rates are also reasonable ఆంధ్ర రాష్ట్రం కొత్త ముఖ్యమంత్రి కోసం ఎదురు చూస్తుంది |
   
Telugu_times
Junior Artist Username: Telugu_times
Post Number: 164 Registered: 02-2008 Posted From: 40.0.40.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:24 am: |
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ehe, housing market strong gaa untay, house construction pinish ayye logaanay, janaalu 50K chesu kunna rojulu unnaayi, but not anymore. |
   
Goonda
Side Hero Username: Goonda
Post Number: 6111 Registered: 02-2007 Posted From: 146.18.173.74
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:24 am: |
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Cylonesubbarao:Bhootu... it is just as your regular 30 year mortgage... but your interest is fixed only for 5 years in 5-Year ARM. Satti, lunch taruvaatha detailed ga continue seddari
annai naa close friends iddaru 5 yr ARM lo vunnaru, I posted here what ever they said to me. ఆంధ్ర రాష్ట్రం కొత్త ముఖ్యమంత్రి కోసం ఎదురు చూస్తుంది |
   
Cylonesubbarao
Junior Artist Username: Cylonesubbarao
Post Number: 564 Registered: 02-2008 Posted From: 72.90.147.146
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:22 am: |
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Telugu_times:GC lekunda, illu konadam waste, plus eee market lo, thala noppi kooda.
Myth.,... nee yenks.,.. andharu bhootul sebutunnaru ee DB lo. Aapandi babu.... naalo oka Seethayya ni melkolpaddhu...  నేడేరా నీకు నేస్తమూ రేపే లేదు నిన్నంటే నిండుసున్నరా రానే రాదు ~ Veturi |
   
Kalikaalam
Junior Artist Username: Kalikaalam
Post Number: 233 Registered: 01-2008 Posted From: 171.159.192.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:21 am: |
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//Condominum is nothing but an apartment owned by an individual. In some places they even call townhouses as condo-town house. got it.. |
   
Cylonesubbarao
Junior Artist Username: Cylonesubbarao
Post Number: 563 Registered: 02-2008 Posted From: 72.90.147.146
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:21 am: |
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Goonda:if you go for five year ARM, its all intrest payment nothing to principal.
Bhootu... it is just as your regular 30 year mortgage... but your interest is fixed only for 5 years in 5-Year ARM. Satti, lunch taruvaatha detailed ga continue seddari... నేడేరా నీకు నేస్తమూ రేపే లేదు నిన్నంటే నిండుసున్నరా రానే రాదు ~ Veturi |
   
Telugu_times
Junior Artist Username: Telugu_times
Post Number: 163 Registered: 02-2008 Posted From: 40.0.40.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:20 am: |
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konda, GC lekunda, illu konadam waste, plus eee market lo, thala noppi kooda. apartment koni, rent ki ivvadam anedhi theoritical concept, not a practical one. individual vaalla dhaggara rent ki vecchey vaalla, credit history worst gaa untundhi. so, neeku rent collect sesu kovadam, old city lo thurkodi dhaggara rent collect sesinantha dippicult. Nov elechens tharvaatha, sochaayinchu, appatidhaka thamasha dheko. why you want to purchase problems? |
   
Cylonesubbarao
Junior Artist Username: Cylonesubbarao
Post Number: 562 Registered: 02-2008 Posted From: 72.90.147.146
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:19 am: |
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Kalikaalam:town home,condomnium home,single home maatrame thelusu.
Condominum is nothing but an apartment owned by an individual. In some places they even call townhouses as condo-town house. నేడేరా నీకు నేస్తమూ రేపే లేదు నిన్నంటే నిండుసున్నరా రానే రాదు ~ Veturi |
   
Goonda
Side Hero Username: Goonda
Post Number: 6110 Registered: 02-2007 Posted From: 146.18.173.74
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:16 am: |
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Mclovin:interest meeda tax write off untadi ani seppaad maavaadu okadu..
yes and if you go for five year ARM, its all intrest payment nothing to principal. Its a good one to write of taxes ఆంధ్ర రాష్ట్రం కొత్త ముఖ్యమంత్రి కోసం ఎదురు చూస్తుంది |
   
Mclovin
Junior Artist Username: Mclovin
Post Number: 29 Registered: 02-2008 Posted From: 69.27.233.254
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:13 am: |
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Kalikaalam:paigaa aprtment konukkvadam ane concept america lo vunnaatlu naaku theliyady. Nneu vundedi PA lo. nenu yekkada vinaledu. town home,condomnium home,single home maatrame thelusu.
bedar.. ee NJ area lo adi famous.. saana mandi desilu fichha fichha gaa bijiness settunnattu information vachhindi.. anduke naaku oka korika kaligindi.. 1300 petti undadam kannaa 1800-2000 petti sontha apt lo undochhu kadaa ani.. and interest meeda tax write off untadi ani seppaad maavaadu okadu.. |
   
Kalikaalam
Junior Artist Username: Kalikaalam
Post Number: 231 Registered: 01-2008 Posted From: 171.159.192.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:11 am: |
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6% APR ki dorukuthundi loan. yi rate mida fixed ki thisukovachu. |
   
Kalikaalam
Junior Artist Username: Kalikaalam
Post Number: 230 Registered: 01-2008 Posted From: 171.159.192.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:10 am: |
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first of all, If you are thinking from Investment point of view, it is utterly waste in investing in USA. alaa kaadu comfortable gaa vundataanuiki anukonte..konchem settle ayin atharvaatha, ante sthiram gaa oka chota job chese tiem lo konukkvadam manchidi. 1300 ki haayigaa rent ichi vundatam antha best ledu. Illu konukkonnaak thelusthundi baadhalu.. paigaa aprtment konukkvadam ane concept america lo vunnaatlu naaku theliyady. Nneu vundedi PA lo. nenu yekkada vinaledu. town home,condomnium home,single home maatrame thelusu. |
   
Mclovin
Junior Artist Username: Mclovin
Post Number: 28 Registered: 02-2008 Posted From: 69.27.233.254
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:08 am: |
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Cylonesubbarao:Ee roju sick call out sesa...
asale rojoo njtransit/path attukoni work ki raaleka sachhipotunnaa.. nuvvu ittaantivi seppi kaalinchaku.. kaalipotundi naaku..
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Cylonesubbarao
Junior Artist Username: Cylonesubbarao
Post Number: 561 Registered: 02-2008 Posted From: 72.90.147.146
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:06 am: |
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Mclovin:Planning to buy 1bed/2bed apartment in or around edison/metropark/woodbridge/rahway areas.
Ee roju sick call out sesa... Oak Tree lo sinna pani undi... post lunch discuss seddari... good decision. I will give you inputs.... నేడేరా నీకు నేస్తమూ రేపే లేదు నిన్నంటే నిండుసున్నరా రానే రాదు ~ Veturi |
   
Goonda
Side Hero Username: Goonda
Post Number: 6109 Registered: 02-2007 Posted From: 146.18.173.74
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:01 am: |
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Mclovin:2. Fixed aa lekapothe, arms ani evaro seppaaru.. alaa teesukovaalaa
if you are not targeting for long term go for 5/ARM that would save you some money. But if you have long term plans and want to settle there then you should consider either 15 or 30 yr loan. If you have a good credit history with the current rates you might get loan for 6.00 % APR for 30 yr loan ఆంధ్ర రాష్ట్రం కొత్త ముఖ్యమంత్రి కోసం ఎదురు చూస్తుంది |
   
Mclovin
Junior Artist Username: Mclovin
Post Number: 26 Registered: 02-2008 Posted From: 69.27.233.254
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 11:00 am: |
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endi vayaa? okkarr bhi leraa.. rao gaaru.. meeku own house kaadaa? or default ayyaaraa?
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Mclovin
Junior Artist Username: Mclovin
Post Number: 24 Registered: 02-2008 Posted From: 69.27.233.254
Rating: N/A Votes: 0 (Vote!) | | Posted on Monday, February 25, 2008 - 10:48 am: |
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Planning to buy 1bed/2bed apartment in or around edison/metropark/woodbridge/rahway areas. 1. Asalu entha petti konachhu and APR enthaithe better 2. Fixed aa lekapothe, arms ani evaro seppaaru.. alaa teesukovaalaa.. asalu ee areas lo, rent ki baagaa potaayaa, incase nenu shift kodithe.. Currently paying 1300+utils for my apartment.. intha petti rent ki undadam kannaa, apt koneste o panai poddi ani oka peeling ki vachhaa.. konte naa pani aipodu kadaa? koosintha patience tho answering sesukondi.. |