Affordable Housing within Southern Maryland

FastCarsSpeed

FastCarsSpeed

Come Play at BigWoodys
dems4me said:
yes, but its significantly higher than mid $40s -- You stated that was the DC rate is all :shrug: I work in DC and am a legal secretary... my bosses all refer to me as their legal assistant :shrug: and the pay is higher than you stated for DC is all... :shrug:
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LOL Oh sorry I didnt know you were money bags up there in the district hehe.. sorry I was just using a reference of what the differences were like but yes I do realize that the salaries are more high then what I quoted.
 
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dems4me

Guest
FastCarsSpeed said:
LOL Oh sorry I didnt know you were money bags up there in the district hehe.. sorry I was just using a reference of what the differences were like but yes I do realize that the salaries are more high then what I quoted.
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:huggy: about 45% goes away in taxes... :lol: what is left is absorbed in commuting and other job related things... :lol:
 
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dems4me

Guest
oops... sorry wrong thread... :roflmao: :blushing:
 
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itsbob

itsbob

I bowl overhand
CMC122 said:
Plus there are ton's of grants available for nursing. :yay: Think next year I'm gonna finally start school:getdown:
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Personally am not a nurse, but returned to school at the age of 38 and used loans to pay the way.. After getting over 45k in loans, I consolidated (FED program available for EVERYbody) and my payments are all of $113 a month (and I think at 2.5% interest). Figure my monthly payment was WELL worth the money I am making now, compared to what I would have been making without my degree.

I tell everyone that will listen.. who cares how ya pay for it, just GO!! Talk with the financial people at the school, they will find you the money.. I mean that is their job.. to get you the money to go to school, so the school will get more money.. AND they can get you loans to cover housing, child care, food.. etc...

If you want to go next year, fill our a FAFSA as soon as you get your taxes for this year done... some grant money is first come first served...
 
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dems4me

Guest
itsbob said:
Personally am not a nurse, but returned to school at the age of 38 and used loans to pay the way.. After getting over 45k in loans, I consolidated (FED program available for EVERYbody) and my payments are all of $113 a month (and I think at 2.5% interest). Figure my monthly payment was WELL worth the money I am making now, compared to what I would have been making without my degree.

I tell everyone that will listen.. who cares how ya pay for it, just GO!! Talk with the financial people at the school, they will find you the money.. I mean that is their job.. to get you the money to go to school, so the school will get more money.. AND they can get you loans to cover housing, child care, food.. etc...

If you want to go next year, fill our a FAFSA as soon as you get your taxes for this year done... some grant money is first come first served...
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Did you need a cosigner :shrug:
 
Chain729

Chain729

CageKicker Extraordinaire
CMC122 said:
itsbob said:
AND they can get you loans to cover housing, child care, food.. etc...
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No kidding! That's my biggest problem!
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Yep. With children you qualify for more than without them. Also, there are grants that don't specify what they need to be used for; meaning you could use them to cover said expenses, buy a computer, buy books, etc.
 
itsbob

itsbob

I bowl overhand
dems4me said:
Did you need a cosigner :shrug:
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NO, they don't check your credit reports either.. (GOOD thing) , and for loans they don't even look at your income.. all they look at is "other" financial aid you maybe getting, like grants, and subtract that from your loan amount... I used to get enough to pay my tuition, and between 1200 - 1500 a semester in cash, for all three semesters. Then there are other loans not from the gov that you can get too
 
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dems4me

Guest
itsbob said:
NO, they don't check your credit reports either.. (GOOD thing) , and for loans they don't even look at your income.. all they look at is "other" financial aid you maybe getting, like grants, and subtract that from your loan amount... I used to get enough to pay my tuition, and between 1200 - 1500 a semester in cash, for all three semesters. Then there are other loans not from the gov that you can get too
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Thanks but I'll stick on trying to get a loan for a house instead of this. Very encouraging to here someone was able to qualify though... I was disgusted by this entire greencard thing.... kids in my class were making more than I, was and barely spoke any English, but yet still qualified for a grant... I honestly considered moving to India -- seek citizenship there and then come over here only to have a franchise given to me, housing given to me and free schooling...It really had me :burning: at the time... I'm still pizzed off that people from other countries can come here get a free education, go back to where they came from and then make money with their degree in their native land... it just didn't seem fair when I was busting my but to support myself in my late teens and early 20s and was told I made too much. Thanks again. :huggy: Dems
 
itsbob

itsbob

I bowl overhand
I was the president of the Non Traditional Student Union/ Returning and Commuting Students organization on campus. so tried to stay up on all these things.. If you are going to school , there is also state and fed aid you are eligible for.. Medical Care, FOod Stamps... supplements for heat and electric.. the list goes on and on.. If you want to go to school there is a way to pay for it, and still be able to support a family...
 
itsbob

itsbob

I bowl overhand
dems4me said:
Thanks but I'll stick on trying to get a loan for a house instead of this. Very encouraging to here someone was able to qualify though... I was disgusted by this entire greencard thing.... kids in my class were making more than I, was and barely spoke any English, but yet still qualified for a grant... I honestly considered moving to India -- seek citizenship there and then come over here only to have a franchise given to me, housing given to me and free schooling...It really had me :burning: at the time... I'm still pizzed off that people from other countries can come here get a free education, go back to where they came from and then make money with their degree in their native land... it just didn't seem fair when I was busting my but to support myself in my late teens and early 20s and was told I made too much. Thanks again. :huggy: Dems
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Well, what I thought was SMART of my brother.. he and his wife were in debt up to their eyeballs, and living paycheck to paycheck.. they went back to school, and in the process got enough in student loans to pay off all their debt. Now instead of paynig +20% and +$1000 a month on credit card debt, they are paying 2.5% and $150 on student loan debt.. AND have college degrees..
 
M

marianne

New Member
housing costs

There's a balance between income and housing costs. Depending on your situation, you want to spend between 20% and 40% of your total income on housing. Personally, I keep mine at 25% as I'm a bit risk adverse. That percentage equates to how much house you can afford. Your first step is to determine what you can (or wish to) afford.

The market determines how much homes cost. There's not much you can do there except buy a house that requires more work than you'd like to put in, or a smaller house, or a house in a different location, etc.

Alternatively, you can modify your income. The Bureau of Labor Statistics has Job Outlooks at http://www.bls.gov/bls/blswage.htm which indicates what different jobs pay and how they expect demand for those jobs to change. I've chosen careers based in large part on job outlooks. For example, when I was in high school the "best" of all rated professions was actuaries - they made seven figures easily, worked only 8 hour days, didn't travel extensively, etc. So I started becoming an actuary - got degrees in Statistics and Math and Computer Science, got a nice job, and took the first of 10 exams to be an actuary. I failed that exam miserably and went back to "job outlooks" to find another profession based in large part on the education I'd already obtained. I found Computer Security to be a relevant, high paying, high demand job so I moved to DC, got another nice job, and went onto a Master's degree in Information Systems Security.

Part of the problem you may be facing is that jobs in the SOMD area pay lower salaries than jobs elsewhere, such as in DC/Northern VA/Montgomery. And many people who are earning higher salaries in DC are living in SOMD because the houses are, comparatively, less expensive. I've been struggling with this myself, trying to understand why the pay differs and how to change it. Other than my post inquiring about incentives for businesses in SOMD, I haven't figured out how to change this.
 
huntr1

huntr1

.
dems4me said:
Imagine trying this single without a spouses income combined... it's just impossible. :frown:
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Hell, I'm married with children and when we bought, it was on 1 income since the wife didn't have her license yet. Even with her license, her income doesn't amount to all that much, and we don't count on her income for ANY bills since clients can bail at any time. So to all you that say you can't buy a house on 1 income, I say :moon:
 
CMC122

CMC122

Go Braves!
huntr1 said:
Hell, I'm married with children and when we bought, it was on 1 income since the wife didn't have her license yet. Even with her license, her income doesn't amount to all that much, and we don't count on her income for ANY bills since clients can bail at any time. So to all you that say you can't buy a house on 1 income, I say :moon:
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:yeahthat: With 3 kid too boot:cheers:
 
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dems4me

Guest
huntr1 said:
Hell, I'm married with children and when we bought, it was on 1 income since the wife didn't have her license yet. Even with her license, her income doesn't amount to all that much, and we don't count on her income for ANY bills since clients can bail at any time. So to all you that say you can't buy a house on 1 income, I say :moon:
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Did you just buy it this month or this year :shrug:
 
nomoney

nomoney

....
dems4me said:
Did you just buy it this month or this year :shrug:
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I'm sorry...I'm a little :confused:....hasn't it been you that has been going on and on since you've joined about how much money you make and what a great job you have with all the great big important lawyers :confused:
 
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