Unpopular Opinions

specialk84

DMill, look for a stinky redhead.

cheeseandrice

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:bb67a2ac-659e-4a7d-87aa-9b41bec73933">Re: Unpopular Opinions</a>:
[QUOTE]Chels- RE commissions are usually 3-6% of the sold price.  Its up to you in negotiations to determine who pays the closing cost.
Posted by Blueyed228[/QUOTE]

Closing costs are separate from REA commissions, FYI, though.

I believe in MN it's a standard (maybe even legal max?) of 2.5% for each REA, which are paid by seller. Always.  Then the closing costs can be another 3-6% and those are negotiable.  I think here in MN, the max a seller can agree to pay is 3.5% or something though. (Our seller paid most, but we had some to pay, on top of points and all the other stuff for our 203k loan.)

ETA: so basically, it's really expensive to sell a house, even if you're not underwater.  I think our seller had to come to the table with like $13k (and our price was right about what he owed. He had taken out a second mortgage to pay for his new house apparently.) So that $13k was in fees and closing costs, not to settle the actual loan balance.

Blueyed228

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:b1bf319b-b16d-44f3-9627-988dcf6c633b">Re: Unpopular Opinions</a>:
[QUOTE]In Response to Re: Unpopular Opinions : <strong><u>Closing costs are separate from REA commissions, FYI, though.</u></strong>I believe in MN it's a standard (maybe even legal max?) of 2.5% for each REA, which are paid by seller. Always.  Then the closing costs can be another 3-6% and those are negotiable.  I think here in MN, the max a seller can agree to pay is 3.5% or something though. (Our seller paid most, but we had some to pay, on top of points and all the other stuff for our 203k loan.)
Posted by Steph+J[/QUOTE]

I know, I was responding to you saying REA always work for the seller.  I agree, because the higher the price, the more they get.

I did confuse the 2 when I said it was split.  I meant the closing cost is something you negotiate when placing your offer. 

cheeseandrice

Yeah, I figured you knew. I was just clarifying for Chels, because I was super confused about it too when we started looking.

Blueyed228

13K seems really high.  We had to pay 5K in closing when we first bought.  When we refinanced, we paid 3500 in closing costs.

katiewhompus

Late to the game, but my pregnancy/labor and delivery/ hospital bills for me and K came out to about $40k. L/D was uneventful, short and un-medicated and was about $3k. An epidural would have been an additional $1k-$3k. Thank goodness for good insurance.

Blueyed228

He must have had mortgage insurance and sold before he reached 20% of the price of the home. 

cheeseandrice

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:16f0873c-ef60-4ab0-ad26-6f9a4160a8bb">Re: Unpopular Opinions</a>:
[QUOTE]He must have had mortgage insurance and sold before he reached 20% of the price of the home. 
Posted by Blueyed228[/QUOTE]

no. His $13k included both of the REA fees, too, and closing costs.

We only brought like $1500 to the table (on top of the down payment, of course.)

Blueyed228

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:f36ee9fa-fb7e-4c94-8dc8-d0b2bc4915cd">Re: Unpopular Opinions</a>:
[QUOTE]In Response to Re: Unpopular Opinions : no. His $13k included both of the REA fees, too, and closing costs. We only brought like $1500 to the table (on top of the down payment, of course.)
Posted by Steph+J[/QUOTE]

Sucks to be that dude.  Im surprised he didnt fight you on closing costs, knowing he needed to come up with that kind of money.

BecW2be

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:a67f143a-29b8-428d-b9cf-452e95ae47a8">Re: Unpopular Opinions</a>:
[QUOTE]In Response to Re: Unpopular Opinions : Hi Bec! How's your new job going?
Posted by kcullen37[/QUOTE]

<div>I LOVE MY JOB! :) How's life for you?</div>

K&J64

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:3af2086e-d5c3-4f9d-b368-e0fdded72b38">Re: Unpopular Opinions</a>:
[QUOTE]In to Re: Unpopular Opinions : I LOVE MY JOB! :) How's life for you?
Posted by BecW2be[/QUOTE]

Good, I'm also enjoying my new job. Working in the city is kind of tiring with the longer commute and public transportation, but the job is really great. The new company is awesome, such an open and inclusive environment, I'm digging it :)

ewhiteman06

I'm still catching up but I wanna second universal healthcare and raise you the following:

-sugar, sodium and fat tax. If there is more than X amount of those things, then it shouldn't be sold or it should be taxed.

-subsidized healthy foods (produce, high fiber, high protein, low glycemic index carbs)

-advertisements involving the following should be banned:

- Alcohol

- Above mentioned unhealthy foods

- Prescription drugs

-free mental health coverage for all

- comprehensive sexual education that includes contraceptive use, accurate pregnancy information, emotional consequences and developmentally appopriate instruction to all children starting in kindergarten.

That's my "I'm a flaming socialist" post for the day

ETA: And the abolition of lobbying and any other activity which equates money to power/voice

Blueyed228

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:7448ad58-2140-450c-8330-5f9719442cb8">Re: Unpopular Opinions</a>:
[QUOTE]I'm still catching up but I wanna second universal healthcare and raise you the following:<strong><u> -sugar, sodium and fat tax. If there is more than X amount of those things, then it shouldn't be sold or it should be taxed. -subsidized healthy foods (produce, high fiber, high protein, low glycemic index carbs) -advertisements involving the following should be banned: - Alcohol - Above mentioned unhealthy foods - Prescription drugs</u></strong> -free mental health coverage for all - comprehensive sexual education that includes contraceptive use, accurate pregnancy information, emotional consequences and developmentally appopriate instruction to all children starting in kindergarten. That's my "I'm a flaming socialist" post for the day :) ETA: And the abolition of lobbying and any other activity which equates money to power/voice
Posted by ewhiteman06[/QUOTE]

Im sorry but are you effing serious?

ceh789

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:7448ad58-2140-450c-8330-5f9719442cb8">Re: Unpopular Opinions</a>:
[QUOTE]That's my "I'm a flaming socialist" post for the day :)
Posted by ewhiteman06[/QUOTE]
I'm not sure if you're a socialist or a fascist.  You want to ban candy?  For serious?

ewhiteman06

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:e4df544d-9865-4d66-90b2-0a5955d3bc3d">Re: Unpopular Opinions</a>:
[QUOTE]In Response to Re: Unpopular Opinions : Im sorry but are you effing serious?
Posted by Blueyed228[/QUOTE]

<div>I was wondering if you were still around cuz I thought you'd be the first to jump on it.</div><div>
</div><div>And yes, I am serious. </div><div>
</div><div>The post is about unpop opinions and those are mine. My view is from a population health perspective not a personal liberty perspective and so I have a feeling you and I do not agree on much that can only be in one of those categories.</div>

[Deleted User]

Why would you ban prescription drug ads?

Blueyed228

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:97e39d3e-d619-4d13-b521-66a18af30d0b">Re: Unpopular Opinions</a>:
[QUOTE]In Response to Re: Unpopular Opinions : I was wondering if you were still around cuz I thought you'd be the first to jump on it. And yes, I am serious.  The post is about unpop opinions and those are mine.<strong><u> My view is from a population health perspective not a personal liberty perspective</u></strong> and so I have a feeling you and I do not agree on much that can only be in one of those categories.
Posted by ewhiteman06[/QUOTE]

Thats BS.  Its one thing to not like those things, its quite another to want to have laws basically making them unavailable.

Tell me why you think just because you dont like those things, that the Govt should step in and make them unavailable for EVERYONE to enjoy them?  Because im genuinely curious.

ewhiteman06

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:c18e91c3-06cc-4a30-a4e5-693e0faf88d4">Re: Unpopular Opinions</a>:
[QUOTE]Why would you ban prescription drug ads?
Posted by cew515[/QUOTE]

<div>Because prescription drug ads are used to create a demand. I think health is a different issue than say advertising clothing.</div><div>
</div><div>If I see a pair of jeans on a commercial, go to the store, ask for them, buy them and they turn out to be "wrong", in that it's not a good fit, what's the worst that can happen? I look like an unfashionable idiot.</div><div>
</div><div>If a drug company (who is in the market of making money not helping people) sells me on a particular drug through a commercial, I go to my doctor (who happens to be getting monetary incentive for every prescription for the drug I'm asking) and he writes me a prescription and I fill it.  The worst that can happen in that situation is severe side effects and even permanent damage or death. </div><div>
</div><div>It's a systemic problem. Doctors should not be allowed to be paid off to prescribe certain drugs and I don't think advertising drugs is really helping anyone.</div>

AllAboutTheBenjamin

I really don't think it's necessary for kindergartners to learn about sex.

katiewhompus

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:639858e4-c154-4995-8cfa-dd7896b371ac">Re: Unpopular Opinions</a>:
[QUOTE]I really don't think it's necessary for kindergartners to learn about sex.
Posted by AllAboutTheBenjamin[/QUOTE]

I hope your right. I'm so not ready for the talk at 5.

Blueyed228

I hate the whole "well because some people dont know how to eat right, everyone else should be denied a treat".

Its like banning alcohol just because some people are alcoholics.  Or banning butter because Paula Dean is an idiot and uses a stick in every recipe and now has diabetes.

ewhiteman06

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:984cb977-d540-43d2-a49b-82e66632c227">Re: Unpopular Opinions</a>:
[QUOTE]In Response to Re: Unpopular Opinions : As another "flaming socialist" I just cannot get on board with this.  Or maybe I'm not one because I think people should be responsible for making healthy choices on their own.<strong> I don't think it's right for fast food companies to make disgustingly unhealthy food, but I don't think it should be banned.  </strong>
Posted by yaga13[/QUOTE]

<div>Here's my thoughts: There have been several studies showing sugar, some fats and sodium to be just as addictive as banned drugs such as heroin. Heroin is illegal because there are no redeeming good qualities about it and the side effects/damage it does is enormous.</div><div>
</div><div>Eating something loaded with sugar (and no other redeeming nutrients) does nothing but cause chemical changes in your body (like many drugs) which can in many cases causes health problems.</div><div>
</div><div>We don't expect heroin addicts to be able to have self-control and just stop. We understand they need rehab, support and to stop using heroin.</div><div>
</div><div>
</div>

Blueyed228

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:639858e4-c154-4995-8cfa-dd7896b371ac">Re: Unpopular Opinions</a>:
[QUOTE]I really don't think it's necessary for kindergartners to learn about sex.
Posted by AllAboutTheBenjamin[/QUOTE]

Dont come live here then.  Some idiot thought it was important for condoms to be available  in elementary school in a local district, so now they are.  Because HE SAID SO and he knows whats best for your kids.

cardmonsta

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:b514270e-ad1c-4a69-a772-0c58361a61d9">Re: Unpopular Opinions</a>:
[QUOTE]In Response to Re: Unpopular Opinions : Because prescription drug ads are used to create a demand. I think health is a different issue than say advertising clothing. If I see a pair of jeans on a commercial, go to the store, ask for them, buy them and they turn out to be "wrong", in that it's not a good fit, what's the worst that can happen? I look like an unfashionable idiot. If a drug company (who is in the market of making money not helping people) sells me on a particular drug through a commercial, I go to my doctor (who happens to be getting monetary incentive for every prescription for the drug I'm asking) and he writes me a prescription and I fill it.  The worst that can happen in that situation is severe side effects and even permanent damage or death.  It's a systemic problem. <strong>Doctors should not be allowed to be paid off to prescribe certain drugs and I don't think advertising drugs is really helping anyone.</strong>
Posted by ewhiteman06[/QUOTE]<div>
</div><div>Truth.</div><div>
</div>

ewhiteman06

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:639858e4-c154-4995-8cfa-dd7896b371ac">Re: Unpopular Opinions</a>:
[QUOTE]I really don't think it's necessary for kindergartners to learn about sex.
Posted by AllAboutTheBenjamin[/QUOTE]

<div>I said developmentally appropriate.</div><div>
</div><div>Telling a five year old about sex would not be developmentally appopriate.</div><div>
</div><div>But if a 5 year old asks about their body (genitalia included), I think parents and teachers should be prepared to answer them with the name of the body part, and that it is a private part that shouldn't be shared with others, but if they have more questions about it, that you're willing to answer them.</div>

ceh789

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:d0feb728-baa0-42b1-a795-8100cd739f1f">Re: Unpopular Opinions</a>:
[QUOTE]In Response to Re: Unpopular Opinions : Here's my thoughts: There have been several studies showing sugar, some fats and sodium to be just as addictive as banned drugs such as heroin. Heroin is illegal because there are no redeeming good qualities about it and the side effects/damage it does is enormous. Eating something loaded with sugar (and no other redeeming nutrients) does nothing but cause chemical changes in your body (like many drugs) which can in many cases causes health problems. We don't expect heroin addicts to be able to have self-control and just stop. We understand they need rehab, support and to stop using heroin.
Posted by ewhiteman06[/QUOTE]
So you want the government to take up a war on candy?  That's worked out so well for drugs.  No one does drugs, right?  People will find a way to get it and driving demand underground only makes it dangerous and more expensive.  You can't legislate stupidity away.

Blueyed228

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:d0feb728-baa0-42b1-a795-8100cd739f1f">Re: Unpopular Opinions</a>:
[QUOTE]In Response to Re: Unpopular Opinions : Here's my thoughts: There have been several studies showing sugar, some fats and sodium to be just as addictive as banned drugs such as heroin. Heroin is illegal because there are no redeeming good qualities about it and the side effects/damage it does is enormous. <strong><u>Eating something loaded with</u></strong> <u>sugar (and no other redeeming nutrients) does nothing but cause chemical changes in your body</u> (like many drugs) which can in many cases causes health problems. We don't expect heroin addicts to be able to have self-control and just stop. We understand they need rehab, support and to stop using heroin.
Posted by ewhiteman06[/QUOTE]

Not if you eat it once in awhile. 

And if thats the case then you need to ban a whole mess of foods and go back to produce and meat only.

ewhiteman06

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:8e9ab866-8bd9-46d5-8826-956f706f3f59">Re: Unpopular Opinions</a>:
[QUOTE]I hate the whole "well because some people dont know how to eat right, everyone else should be denied a treat". Its like banning alcohol just because some people are alcoholics.  Or banning butter because Paula Dean is an idiot and uses a stick in every recipe and now has diabetes.
Posted by Blueyed228[/QUOTE]

<div>You have every right to that opinion, just as I have a right to my opinion as well. I'm not running for President or doing something that's taking away your rights, I'm just voicing how I feel.</div>

[Deleted User]

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:e4af2271-bb3f-4871-99f7-e96aa0897e8f">Re: Unpopular Opinions</a>:
[QUOTE]I think at age 5 is fine for teaching a bit of 'sex ed.' Though at that age it would more like personal health knowledge.  You'd let the children know what parts they have based on their sex and let them know about inappropriate touching and the like. 
Posted by kodakitty[/QUOTE]

I would agree with this. We talked to Ben about his body and inappropriate touching very early for his protection, but there are a lot of parents that don't. I think if more little ones knew what was inappropriate, they would be safer.

ewhiteman06

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:2d508e22-c46d-41f3-93d8-21ed201e6c2d">Re: Unpopular Opinions</a>:
[QUOTE]In Response to Re: Unpopular Opinions : So you want the government to take up a war on candy?  That's worked out so well for drugs.  No one does drugs, right?  People will find a way to get it and driving demand underground only makes it dangerous and more expensive.  You can't legislate stupidity away.
Posted by ceh789[/QUOTE]

<div>There's a part of me that agrees with that perspective. That we need to educate people how to live well in a world of drugs, unhealthy foods, guns, whatever. But there's another part of me that wonders if that would ever work.</div><div>
</div><div>I didn't claim to have the answers to all the world's problems, I just have an opinion.</div>