ADVrider

Go Back   ADVrider > Riding > Regional forums > Central From Da Nort Woods to the Plane States
User Name
Password
Register Inmates Photos Site Rules Search Today's Posts Mark Forums Read

Reply
 
Thread Tools Search this Thread Display Modes
Old 10-30-2010, 07:26 PM   #31966
miguez
Miguez Rally Racing
 
miguez's Avatar
 
Joined: Jul 2010
Location: In a rally or prepping for one
Oddometer: 477
Quote:
Originally Posted by z@ch
Miguez, head to Michigan for sand. Or just go to Ontario.
Thanks guys! Mark, I forgot you had gone there, I'll need to pick your brain for some location recommendations.
__________________
"Man's reach exceeds his grasp, and man's grasp exceeds his nerve"

My 2012 Vegas 2 Reno adventure (on a 990 Adventure) starts here!
miguez is offline   Reply With Quote
Old 10-30-2010, 07:38 PM   #31967
swingset
Got the knack.
 
swingset's Avatar
 
Joined: Mar 2008
Location: Central Ohio
Oddometer: 10,753
Quote:
Originally Posted by miguez
Thanks guys! Mark, I forgot you had gone there, I'll need to pick your brain for some location recommendations.
Here's a good overall guide for the MI ORV trails:

http://www.vvmapping.com/trails/trailGuide.html

This is also a more comprehensive description of the individual trail networks with maps:

http://www.riderplanet-usa.com/atv/t...higan_list.htm
__________________
The Rant-Fu blog & podcast ->Rant-Fu




swingset is offline   Reply With Quote
Old 10-30-2010, 07:49 PM   #31968
panaman
Internet Shopper
 
panaman's Avatar
 
Joined: Nov 2005
Location: Delaware, Ohio
Oddometer: 571
Quote:
Originally Posted by Bueller
Yea, I've been pretty quiet about things the last couple of months by design. Someday I'll tell the whole story, but the short of it is I've become employed in another profession and the commute is up to three hours a day. It is located less than a mile from where Candi works, but because of the dogs and differing schedules we can't ride together. So we are commuting 1000 miles per week between the two of us.

I'm an analytical guy. Good with logic and numbers. I'm also a bit obsessive about the security of our future at times, and am a disciplined saver. I wasn't always this way and neither was Candi, but we are now. Recently a friend of mine bought a vacant foreclosed home in Obetz. 12 years old, 4 bedrooms. The pipes had burst so there was damage to fix. It's done now and he's in it for less than $100k. After reappraisal he now has 30% equity And that got me to thinkin - we've all gotten royally screwed over the real estate meltdown. Every single one of us. We're all paying for it, whether everyone realizes it or not. While looking at my existing home and the wallop it has taken in value I figured really the only way to make up for that is to buy another property at currently deflated prices. But I didn't want to just buy a property, I wanted something worth owning and living in as a primary residence. Something nice that has a chance to regain some value over time, but not particularly expensive. And maybe if I played it all out properly and bought close to work I could get some much needed time back in my day. So here's how it shook out:

I did a little math to try to figure out what a 1000 mile per week commute costs. I figured gasoline at $2.75/gal, insurance, vehicle depreciation, and parts only. Our cost of commuting is artificially deflated because I keep all vehicles running. So there are no labor costs. Long story short, even with artifically deflated repair and maintenance costs I figured out we are going to flush a home mortgage out the tailpipe every year in commuting costs. This would only get worse as gas prices go up. So I made a pre-emptive strike and am buying another home that is 15 miles from work, down in the Grovetucky area. We'll each get the added benefit of up to two more hours of free time each day in time saved due to the short commute. I'm going to sell off a couple of vehicles since my driving/riding will probably drop to less than 15k per year combined, which will save more money. Because mine is an overtime eligible position and there is more of it available in the summer months than I could possibly work, that extra two hours per day turned into overtime combined with the savings in commuting expense literally pays for the entire house, insurance, interest, taxes, utilities - pretty much everything.

So there you go. We love our existing home beyond words. We built much of it with our own hands. It was done right, it is beyond solid, and I know its mechanicals inside & out. We love the property, our friends, the quietness of the location, everything except the commute. It just isn't practical to live here anymore, and we have to be realistic. When we built this place my commute was 35 miles each way. Hers was 62 each way, but it was only 3 days per week. At that time the traffic on 33 coming into town was relatively light, and you could time it so you didn't do any sitting. What a difference a decade makes. Try getting up 33 in the mornings now. It's a fucking parking lot. I've tried leaving at 6 A.M. to beat the rush and found myself sitting in the middle of it. There's no way around it.

So as much as we love the woods and the hills of S.E. Ohio we're out. Being here is great, leaving here is incredibly sad, but man, we're so burned out on all of the travel time. We're now middle aged and getting older. Time is becoming more valuable. We don't wish to spend it all in a car or on a bike running over the same stretch of highway every day. This home would be a great place for someone who doesn't have to go to Dublin every day. It would be great for me again in 15 years when I hope to retire. It just isn't great right now

wow, craziness.... so are you no longer in the motorcycle world of work? whats your new job? I don't blame you for moving though.. I hate driving... I bought my house because it is 7 miles from my work.... straight down 23... i am their in a little over 10 minutes.... The time to buy is now though.. which I am sure you are aware of.. also the interest rates are incredibly low... I refinanced last year to a 4.5% 15 year loan... and now I am contemplating going to a 3.6% 10 year loan. Sure would be nice to have my house payed off in 10 years, of course though... i only got 14 years left now.... but anywho I suppose congrats on the new job. So are you thinking about buying a forclosed home? I've done it before... i flipped mine though... You seem like a handy guy so if you have the time to fixer up I would do it. My house was relatively cheap for the area but needs all kinds of work which I've been doing one room at a time.....
__________________
All your dualsport event information can be found at www.dualsportadv.com
2009 WR450, 2007 KLR650, 2005 Pimp Machine
panaman is offline   Reply With Quote
Old 10-30-2010, 07:59 PM   #31969
buildit
Guns, bikes and Bows
 
buildit's Avatar
 
Joined: Jun 2006
Location: Simpsons home town Ohio
Oddometer: 13,934
Quote:
Originally Posted by z@ch
Miguez, head to Michigan for sand. Or just go to Ontario.
I can think of a few areas in Ohio that sport sand conditions in deep Southern Ohio near Waverly.
__________________
Don't trust links? Google ADVFilmer for videos.
http://www.youtube.com/user/advfilmer
buildit is offline   Reply With Quote
Old 10-30-2010, 11:17 PM   #31970
Bueller
Cashin?
 
Bueller's Avatar
 
Joined: Sep 2003
Location: Hide Away Hills, Ohio
Oddometer: 17,055
Quote:
Originally Posted by panaman
wow, craziness.... so are you no longer in the motorcycle world of work? whats your new job? I don't blame you for moving though.. I hate driving... I bought my house because it is 7 miles from my work.... straight down 23... i am their in a little over 10 minutes.... The time to buy is now though.. which I am sure you are aware of.. also the interest rates are incredibly low... I refinanced last year to a 4.5% 15 year loan... and now I am contemplating going to a 3.6% 10 year loan. Sure would be nice to have my house payed off in 10 years, of course though... i only got 14 years left now.... but anywho I suppose congrats on the new job. So are you thinking about buying a forclosed home? I've done it before... i flipped mine though... You seem like a handy guy so if you have the time to fixer up I would do it. My house was relatively cheap for the area but needs all kinds of work which I've been doing one room at a time.....
Chronologically I exited the motorcycle business Aug 7th when I took leave. Per the government's definition I exit the motorcycle business on Nov 2nd when leave from that company ends I love the customers and enjoyed my co-workers - some of whom became great friends. I grew significantly and accomplished a lot as a result of that business. I'll be forever greatful for all of that. But the often maniacal, egotistical, greedy, unrealistic and demanding owners? Between the car biz and the motorcycle biz I've had enough of them to last two lifetimes. Though I took a pay cut, congrats on the new job are absolutely appropriate. It's in the insurance business, and I couldn't be happier about the decision.

My plan was to buy a foreclosed, abused home and fix it up. I found one in a great neighborhood and was going to put in an offer, but literally the day before I did it got pulled from the market along with about 1 million other homes caught up in the latest banking foreclosure scandal. I was hoping to pay $70k, put another $35k into it, and have a nice home with all new appliances, roof, and mechanicals. Instead I found one that someone else did exactly that with. No one has lived in it since it was rehab'd, it is only 6 years old anyway, and it was nicely finished. Granite counter tops, tile floors, upgraded hardware and raised panel doors throughout. Tastefully done, but practical. It's 100 s.f. bigger than the other one I was going to buy, I don't have to do any of the work because it's already move-in ready, it's in an even better neighborhood with more expensive and brand new homes, and I'm paying the same money for it. So I think I got a deal. The current appraisal value is almost 40% more than I'm paying for it, though I do think that's about 20% inflated. Nonetheless I'm getting in cheap. Even if the housing market takes another dip I don't think I'll ever get hurt on the place.

My current house is 5 years away from being paid for. My plan is to sell, and I told the bank as much too so they would believe that I really am going to occupy the new home as my primary residence. Apparently occupying the home really matters for financing terms. I really am, but for some reason they didn't want to believe me. If my current home doesn't sell my hope is I can continue to pay for it at the rate I currently am and get it done in 5 years. If I sell it I have enough equity even at today's prices to satisfy that note as well as the note on the new house, with a little left over. In other words, debt free The possibilities are good, even if I am scared shitless about carrying a double mortgage right now. My current loan was a re-fi nearly two years ago in which I dropped to 4.5% interest on a 15 year note that we are significantly over paying each month. The note on the new house is looking like it will be 4.125% on a 30 year term. If/when the existing house sells or is paid off we will really start slamming money down on the new note, or if the existing house sells we'll likely pay it off altogether and go buy some other real estate. We're still too far away from retirement to not have mortgage interest and property taxes to write off.

Meef, I hear ya about the house situation. My hope is we can swing the double mortgage for a bit and see if the housing market starts to make some kind of recovery. I know I'm not going to see the $350k the place appraised at before the crash, but I don't want to have to sell it at 40% off either
__________________
"Bueller, you're an island of sense in a sea of bullshit" - swimmer

"bueller, you ARE an island of reason in a sea of bullshit" - quasigentrified
Bueller is offline   Reply With Quote
Old 10-31-2010, 03:09 AM   #31971
miketv
Gnarly Adventurer
 
miketv's Avatar
 
Joined: Jun 2008
Location: Ohio
Oddometer: 332
Bueller,

I hear ya on the job front as I've began to consider my options as of late. I've really been thinking about being a full-time house dad. Financially, it makes almost as much sense as working right now, plus I get to see my family for more than 1.5hrs a day. ( insert hope and change analogy here)
I have no idea how you and the Mrs. made that weekly drive to C-bus, just crazy man Best wishes on the housing front and if there is anything I can help with, please let me know. I spent a few years hawking mortgages part time and there might be some other options available to you guys. The requirements have changed a little bit though, now you are required to have documented income and a heartbeat.

cheers,

Mike

miketv screwed with this post 10-31-2010 at 04:56 AM
miketv is offline   Reply With Quote
Old 10-31-2010, 05:49 AM   #31972
dragoon
I'm the REAL Dingo Joe
 
dragoon's Avatar
 
Joined: Feb 2003
Location: Frazeysburg, OH
Oddometer: 23,048
Bueller,

What's your new job in 1000 words or less

Your Pal,
Tim
__________________
Everyone should be so lucky as to be able to ride a motorbike through the Himalayas.
- Misery Goat


daveology rule #143 - never ever pass up a chance to hear a band that has a stand up bass -Mutineer
dragoon is offline   Reply With Quote
Old 10-31-2010, 06:49 AM   #31973
panaman
Internet Shopper
 
panaman's Avatar
 
Joined: Nov 2005
Location: Delaware, Ohio
Oddometer: 571
Quote:
Originally Posted by Bueller
Chronologically I exited the motorcycle business Aug 7th when I took leave. Per the government's definition I exit the motorcycle business on Nov 2nd when leave from that company ends I love the customers and enjoyed my co-workers - some of whom became great friends. I grew significantly and accomplished a lot as a result of that business. I'll be forever greatful for all of that. But the often maniacal, egotistical, greedy, unrealistic and demanding owners? Between the car biz and the motorcycle biz I've had enough of them to last two lifetimes. Though I took a pay cut, congrats on the new job are absolutely appropriate. It's in the insurance business, and I couldn't be happier about the decision.

My plan was to buy a foreclosed, abused home and fix it up. I found one in a great neighborhood and was going to put in an offer, but literally the day before I did it got pulled from the market along with about 1 million other homes caught up in the latest banking foreclosure scandal. I was hoping to pay $70k, put another $35k into it, and have a nice home with all new appliances, roof, and mechanicals. Instead I found one that someone else did exactly that with. No one has lived in it since it was rehab'd, it is only 6 years old anyway, and it was nicely finished. Granite counter tops, tile floors, upgraded hardware and raised panel doors throughout. Tastefully done, but practical. It's 100 s.f. bigger than the other one I was going to buy, I don't have to do any of the work because it's already move-in ready, it's in an even better neighborhood with more expensive and brand new homes, and I'm paying the same money for it. So I think I got a deal. The current appraisal value is almost 40% more than I'm paying for it, though I do think that's about 20% inflated. Nonetheless I'm getting in cheap. Even if the housing market takes another dip I don't think I'll ever get hurt on the place.

My current house is 5 years away from being paid for. My plan is to sell, and I told the bank as much too so they would believe that I really am going to occupy the new home as my primary residence. Apparently occupying the home really matters for financing terms. I really am, but for some reason they didn't want to believe me. If my current home doesn't sell my hope is I can continue to pay for it at the rate I currently am and get it done in 5 years. If I sell it I have enough equity even at today's prices to satisfy that note as well as the note on the new house, with a little left over. In other words, debt free The possibilities are good, even if I am scared shitless about carrying a double mortgage right now. My current loan was a re-fi nearly two years ago in which I dropped to 4.5% interest on a 15 year note that we are significantly over paying each month. The note on the new house is looking like it will be 4.125% on a 30 year term. If/when the existing house sells or is paid off we will really start slamming money down on the new note, or if the existing house sells we'll likely pay it off altogether and go buy some other real estate. We're still too far away from retirement to not have mortgage interest and property taxes to write off.

Meef, I hear ya about the house situation. My hope is we can swing the double mortgage for a bit and see if the housing market starts to make some kind of recovery. I know I'm not going to see the $350k the place appraised at before the crash, but I don't want to have to sell it at 40% off either
Wow that new place sounds awesome...... I wish I would have waited another year or so to buy my house... I bought it in 2007 right before everything plummited..... thank god it was cheap to begin with, but I know if I waited a year I probably could have gotton a bigger house for the same money.... but oh well.... I like my location an don't really plan on moving
__________________
All your dualsport event information can be found at www.dualsportadv.com
2009 WR450, 2007 KLR650, 2005 Pimp Machine
panaman is offline   Reply With Quote
Old 10-31-2010, 07:16 AM   #31974
buildit
Guns, bikes and Bows
 
buildit's Avatar
 
Joined: Jun 2006
Location: Simpsons home town Ohio
Oddometer: 13,934
Quote:
Originally Posted by dragoon
Bueller,

What's your new job in 1000 words or less

Your Pal,
Tim
Well what do you think Harley Davidson sales manager do after leaving that job? Of course he's going to become the local Sham-wow rep. for the greater Columbus area.
__________________
Don't trust links? Google ADVFilmer for videos.
http://www.youtube.com/user/advfilmer
buildit is offline   Reply With Quote
Old 10-31-2010, 07:30 AM   #31975
miketv
Gnarly Adventurer
 
miketv's Avatar
 
Joined: Jun 2008
Location: Ohio
Oddometer: 332
Quote:
Originally Posted by buildit
Well what do you think Harley Davidson sales manager do after leaving that job? Of course he's going to become the local Oui-wow rep. for the greater Columbus area.
fixed
miketv is offline   Reply With Quote
Old 10-31-2010, 07:45 AM   #31976
buildit
Guns, bikes and Bows
 
buildit's Avatar
 
Joined: Jun 2006
Location: Simpsons home town Ohio
Oddometer: 13,934
Quote:
Originally Posted by miketv
fixed
__________________
Don't trust links? Google ADVFilmer for videos.
http://www.youtube.com/user/advfilmer
buildit is offline   Reply With Quote
Old 10-31-2010, 08:23 AM   #31977
gelandestrasse
Fidem Scit
 
gelandestrasse's Avatar
 
Joined: Jun 2005
Location: Oklahoma City
Oddometer: 20,253
Quote:
Originally Posted by buildit
__________________
"The trouble with quotes on the Internet is that you can never know if they are genuine."
- Abraham Lincoln
gelandestrasse is offline   Reply With Quote
Old 10-31-2010, 09:10 AM   #31978
Bueller
Cashin?
 
Bueller's Avatar
 
Joined: Sep 2003
Location: Hide Away Hills, Ohio
Oddometer: 17,055
Quote:
Originally Posted by dragoon
Bueller,

What's your new job in 1000 words or less

Your Pal,
Tim
Hey, lay off, fucker. This is three months worth of catch - up. You're getting the condensed version

I'm a claims specialist for toys - RV's, motorcycles, boats, trailers, concession stands - almost anything that doesn't fit into a regular, standard category like a car or a building. I am not currently handling commercial vehicle claims like Semis or agricultural equipment, though I could see where that could change one day since I was originally trained as a Semi Tech. I was hired as a Specialist with an obvious focus on motorcycles due to my background.

The good Lord has blessed me beyond my comprehension. It took all of two weeks from the time I decided to start looking to the receipt of a concrete offer in writing. Less pay, but manageable. And twice as much vacation, twice as many paid holidays, way better insurance program including things I didn't have or have never had, such as short term disability, dental insurance, vision insurance, etc. WAY more long term opportunity. It's a very big company. The best part is it isn't physical, so my elbows will continue to heal

One of these days soon I'll tell the whole story about the manner in which the piece of fucking garbage I used to work for tried to profit off of my injury. Unbelievable story that I've intentionally been very quiet about while I investigated my rights and legal aspects of the treatment I was receiving.

And you didn't think I knew how to shut up
__________________
"Bueller, you're an island of sense in a sea of bullshit" - swimmer

"bueller, you ARE an island of reason in a sea of bullshit" - quasigentrified
Bueller is offline   Reply With Quote
Old 10-31-2010, 09:11 AM   #31979
dox
How much for the ape?
 
dox's Avatar
 
Joined: Jul 2008
Location: Athens, OH
Oddometer: 2,646
Nice seein' ya yesterday, Denny. Thanks for the new treads.

Bueller: Congrats on the big changes. And, for the record, I would be willing to bet that I could make it to your new house in Columbus faster than your old one in Logan. You lived in a maze
__________________
║▌║█║▌│║▌║▌█
dox is offline   Reply With Quote
Old 10-31-2010, 09:38 AM   #31980
Bueller
Cashin?
 
Bueller's Avatar
 
Joined: Sep 2003
Location: Hide Away Hills, Ohio
Oddometer: 17,055
Quote:
Originally Posted by miketv
Bueller,

I hear ya on the job front as I've began to consider my options as of late. I've really been thinking about being a full-time house dad. Financially, it makes almost as much sense as working right now, plus I get to see my family for more than 1.5hrs a day. ( insert hope and change analogy here)
I have no idea how you and the Mrs. made that weekly drive to C-bus, just crazy man Best wishes on the housing front and if there is anything I can help with, please let me know. I spent a few years hawking mortgages part time and there might be some other options available to you guys. The requirements have changed a little bit though, now you are required to have documented income and a heartbeat.

cheers,

Mike
Thank Mike! One of the advantages of borrowing conservatively, weighing the burdens and benefits of purchases, and actually paying our bills - unlike so many friends of ours who did exactly the opposite - is that we have strong credit even in these times. There are a variety of loan programs we are eligible for, some currently lending money cheaper than the rate we are going to borrow at. But having been down the ARM road once, FHA once, and fixed conventional financing once I've come to the conclusion that fixed conventional is the way for us to go. Sellers love it because they get handed a pre-approval letter with a "30 days to close" offer, and as such will often negotiate a lot more on the purchase price because they know they have a real buyer. It also fits into my theory that if I have to play games with the financing to afford the purchase, well, I guess I can't afford the purchase. Again, my friends who did 1st's and 2nds, balloons, ARMS, interest only, etc., are either buried or have lost their homes altogether. If I were willing to get really creative I could be buying 50% more house than I am. Just like when I built my house and was approved for a $400k loan I NEVER would have made enough money to pay back, I chose to borrow about 1/3 of that amount and go through a year of hell building the house myself. The question for me then was the same as it is now - it isn't whether or not I can get that bigger/nicer house, but instead is a question of whether or not we need it. The answer to that question is a resounding "no". So - a modestly priced home on conventional financing it is, financed through my local credit union and the same loan officer I've used before. Great service, reasonable rates, and most likely just like my current mortgage they consider us a good enough risk to keep the mortgage in house and service it themselves instead of selling it off to the latest conglomerate. Been down that road too. Fuck J.P. Morgan Chase Bank one with a backhoe
__________________
"Bueller, you're an island of sense in a sea of bullshit" - swimmer

"bueller, you ARE an island of reason in a sea of bullshit" - quasigentrified
Bueller is offline   Reply With Quote
Reply

Share

Thread Tools Search this Thread
Search this Thread:

.
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On

Forum Jump


Times are GMT -7.   It's 04:18 PM.


Powered by vBulletin® Version 3.8.5
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Copyright ADVrider 2011-2014