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Things and a photo - Portrait of a Young Man as The Artist — LiveJournal
Things and a photo
  • lady_fox found a cute house on Tempe Dr that is just about the size we're seeking. 3 bed, 2 bath (900 sq ft), a mostly finished basement (additional 600 sq ft), and a GIANT backyard and deck. Were we to put 20% down, mortgage would be less than our rent. Though with taxes, it's about $200 a month. Which we can afford.
  • I don't have 20% down.
  • My father offered it to us last year.
  • We're going to review our finances. Is it worth it to drain (most of our) our savings and investments at this point to buy a house?
  • I am going to explode.
    • It is an excellent time to buy. I'm mostly worried about settling for something we'll eventually trade up. I don't relish that idea but it's a good way to break into the market in general. Now is such a crazy-good time to do it too. I'm just reluctant to borrow that much money from my father though he can likely afford it. He's already paid for my college, car, and, you know, my life for the first 18 years. :/ Maybe it'll ultimately be more incentive for him to move to Madison? I dunno.
  • I forgot to really relax this weekend.
  • Need to verify DVDs but I've burned 8.9 gigs of photos for the wedding.
  • I'm eagerly awaiting the photo book. I received positive feedback from alyska who's photographic skills I respect.
    • Side note: she asked me if I could see myself doing this 40 hours a week and I think I honestly could. Though some parts of it were tedious - lift adjustments, stamp, stamp, stamp... - it was extremely satisfying to see the end product. But, as is, if I do a wedding a month, I"d almost double my income. So. I'll shoot for getting regular business first before I contemplate 40 hours of photo editing a week,. :)
  • I am SO taking up home-brewing beer in the future. I have been repeatedly impressed with drakenfly's beers and his latest is likely one of the best beers I've ever had.
  • I have taken over a week off from the gym and ate TERRIBLY during it - because I suck.
  • I did get some activity Saturday helping move techdragon in though we apparently got there late - bad timing with text messages and driving in that crazy weather.
  • I've been reminiscing about first kisses and kissing in general lately. it's been nice.
  • I'm in a pretty good mood today.

A Discerning Look
From Art Chocolate's opening a week ago.

ALSO: Anyone have suggestions for website software? I intend to update my website tis weekend and need to retool it so it is EASY to update. I hate iWeb because I don't want a MobileMe account which ruins the easy update features in it. I have a WordPress blog but the photo galleries suck So.. help?

Current Mood: cheerful cheerful
Current Music: Stephanie Miller - 03092009 - SM Hour 1

34 comments or Leave a comment
lady_fox From: lady_fox Date: March 30th, 2009 01:52 pm (UTC) (Link)
I love that picture.

I also love the idea of you doing weddings regularly. We'll need to start marketing you more. ;)

abmann From: abmann Date: March 30th, 2009 02:00 pm (UTC) (Link)
I need to remake my website this weekend. And from there start some internet advertising at least.

Edited at 2009-03-30 02:00 pm (UTC)
lady_fox From: lady_fox Date: March 30th, 2009 02:00 pm (UTC) (Link)
Yes! That is a good idea.
nathan_lounge From: nathan_lounge Date: March 30th, 2009 02:06 pm (UTC) (Link)
Wait, total mortgage would be 200 a month or it would be 200 less than what you're paying in rent?
abmann From: abmann Date: March 30th, 2009 02:10 pm (UTC) (Link)
Mortgage on its ownis less than our current rent but if you include yearly property taxes divided over 12 months, it's about 200 more than our current rent.
nathan_lounge From: nathan_lounge Date: March 30th, 2009 02:16 pm (UTC) (Link)
Ah, okay, that makes more sense.

Though for a minute I was super excited about your either snaking a market find or buying a hovel.

Here's what you do in this case:

1. Borrow the money from your dad.
2. Take the money, plus savings/holdings, and get it all in cash.
3. Take cash to Vegas strapped to your body with duct tape.
4. Find game of high stakes blackjack.
5. Play a single hand with all money in.

If you win said hand, god obviously wants you to buy the house. If you lose said hand, then god wants you to stay where you are.

Most people don't realize it, but Vegas actually has the direct god connection, not Rome. The pope plays roulette at the Wynn to make his decisions.
tyskkvinna From: tyskkvinna Date: March 30th, 2009 02:07 pm (UTC) (Link)
Ahhhh, I rather wish you were closer. I've been wanting to get into wedding photography as well and I'm looking for 1-2 other photographers whose styles groove with my own.

On the house note - could you be happy living there for the next 5-10 years without selling? I think it'd be a fine idea, as long as you aren't going into it depending on the idea of selling it later.
abmann From: abmann Date: March 30th, 2009 02:09 pm (UTC) (Link)
That's key. We won't buy a house unless we're going to stay at least 10 years. We haven't seen the house yet, just found it online and I looked up the vitals on it. So, no idea about this house in particular.

You could move here! Madison is awesome. I bet I could get you a job with my employer. :)
ardoise_vide From: ardoise_vide Date: March 30th, 2009 03:53 pm (UTC) (Link)
did you get wings?
abmann From: abmann Date: March 30th, 2009 04:23 pm (UTC) (Link)
Yup. One person came as we were leaving.
(Deleted comment)
abmann From: abmann Date: March 30th, 2009 05:43 pm (UTC) (Link)
Partner. We've been together forever 7 years.
In event of disaster, though, I could afford the whole thing on my own and still save similar amounts of money as I do now.

I actually love the idea of yard work and home-improvement. I am concerned I don't know enough about house care yet to really understand what I'm getting into, which is probably healthy. I have numerous books I should read a second time to refresh myself. :)
alyska From: alyska Date: March 30th, 2009 08:10 pm (UTC) (Link)
* photo stuff - remind me to show you my notes from my portrait class last week - it's all about avg. sales vs. profit vs.owner's draw for wedding/portrait businesses nationally vs. midwesternly. also, keep in mind that if you quit your job to do this full time, there'd be a lot more overhead to think about. average owner's salary (2006) for a successful WI wedding/portrait studio is about $36K from annual sales of ~$80K. if you plan to keep doing them, regardless of how MUCH, you REALLY need to look into things like insurance.

* re: house - as first timers, be sure to look into WHEDA (though i don't know what the income cap is these days, or if you'd be over it.)

* re: move - you got there just fine on time. she was just frighteningly good at packing and doesn't have NEARLY the amount of stuff most people i've moved have (including myself!) you got there for the food and the socializin' which was just fine by us!
abmann From: abmann Date: March 30th, 2009 08:17 pm (UTC) (Link)
We do not qualify for WEHDA due to both income and area restrictions. The loans only to apply to the Isthmus and East side. I wasn't surprised about the income limit but the area restriction is kind of stupid.

Insurance like what? Liability? Or in general? I know my current renter's insurance would cover damages or theft of all the equipment I carry for a shoot since the value of all of it is just under the percentage they allot for stuff not located in the apartment at time of damage/theft.
From: ex_hellocth126 Date: March 30th, 2009 10:11 pm (UTC) (Link)
-I love that icon.
-if I had a stable job, I'd be seriously considering asking my dad for a down payment on a mortgage. It is the perfect time to be buying.
34 comments or Leave a comment