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Re: Major move, have some questions... Posted by Scott Paterson [Email]  (#13)  [Profile/Gallery]
(more from Scott Paterson) on Wed, 12 May 2004 12:20:23
In Reply to: Major move, have some questions..., Sarunas  [Profile/Gallery]
, Wed, 12 May 2004 10:39:24
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1. Norwich VT and Hanover NH area is just gorgeous. If I didn't live in the SF Bay Area, my second choice would be where you are. Having Dartmouth College nearby probably doesn't help with the housing costs... many alum move back to that area. Make sure you take advantage of the community programs that the College offers. Many courses are open to the Upper Valley community to audit at no charge, at least when I lived there that's the way it was.
My mother used to be a mortgage broker and she always told me between 25-28% of income should be budgeted towards housing and while listening to CNN while working last week, I just heard the 28% number thrown around again.
Unfortunately, mortgage rates are on the rise again. We've refinanced our own home mortgage twice now and are now down to a 15 year mortgage, the whole thing fixed at 5.125% and we went with that because we felt we were going to be in this house for another 15 years at least. If you're lookiing at possibly moving in 4.5 years, then 4.8% fixed for 5 years would serve you pretty well. If you stayed longer, you'll most likely be looking at a pretty good jump in payments after the fixed rate expires although there must be some language in the loan that limits how fast it can adjust upwards each X amount of time... Read those gazillion loan papers carefully, unfortunately. The further out into the rural areas you are willing to go (Lebanon, White River Junction, further north... etc), the less expensive the housing will be.
3. TrueMobile uses GSM, but their coverage is limited to larger city areas. I don't think GSM has really blossomed in the US yet, by a longshot. I have a TrueMobile Sidekick Internet device and Nextel phone that work wonderfully here in the SF Bay Area... the Nextel works fine for me in remote areas of the NYS Finger Lakes region too, but I'm not surprised to hear that there is no corverage up in the middle of NH/VT. Best bet is to see what folks there are already using and ask them how satisfied they are with their service...
Hope some little bit of this helps,
-Scott
posted by 64.139.3...
_______________________________________ Saabnet.com Webmaster Saabs Owned: 1973 Saab Sonett III (Current) 1983 Saab 900 Turbo 1985 Saab 900 Sedan 1990 Saab 900 1992 Saab 900S 1999 Saab 9-3 Turbo 2005 Saab 9-2X Aero (RIP 95K/Accident-guy ran stop sign) 2005 Saab 9-2X Aero (Current) 2007 Saab 9-3 SportCombi 2010 Saab 9-3X Wagon Winner 1996 Saab Owners Convention Rally Novice Class Winner 1999 Saab Owners Convention Rally (All Classes) Also Founder of two non-profits: Poverty2Prosperity.org RunClubMenloPark.org
, Wed, 12 May 2004 10:39:24, Thu, 13 May 2004 17:53:18
, Wed, 12 May 2004 17:31:37
, Thu, 13 May 2004 06:52:18, Sat, 15 May 2004 11:08:07, Wed, 12 May 2004 12:20:23 <-- Viewing This Message, Wed, 12 May 2004 13:15:31, Wed, 12 May 2004 13:52:22, Wed, 12 May 2004 15:16:41, Wed, 12 May 2004 13:05:47, Wed, 12 May 2004 12:53:33
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