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[ - ] Those of you who are buying properties (or recently bought homes) priced at $600K and above in the NY metro area, how did you manage to afford that price? How much of a downpayment did you have? What is the minimum HHI needed to get into a property priced at 600-700K or more? Did you buy slightly more than what you could afford?? DH and I make low 6 figure incomes, yet we get sick to our stomach at the idea of carrying a mortgage in the 500K range, even with 20% down...so how do you guys do it? Trust fund withdrawals?? 6 Replies [ Reply | Watch | More
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General Topics 05.20.13, 06:10 AM Flag
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We're not quite that range but started out with lower priced apartment and worked our way up. We at one point did have a jumbo mortgage on our current property (I guess it still may be but balance is below 500k) but even with that plus interest, the monthly was still much cheaper than renting. We currently have a 2500$ monthly. You need to save or work your way up. [ Reply | More
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General Topics 05.20.13, 06:55 AM Flag
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We baught a 1.2mm apartment with HHI of 280k. We put down all we made on our smaller apartment sale so our mortgade is 550K with 1,600 maint+tax. Every penny we put down is self made. It is a lot of mortgage to have on our income but we couldn't afford to rent our apartment. I see our apartment as part of our savings plan. [ Reply | More
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General Topics 05.20.13, 09:59 AM Flag
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We bought a smaller house first (395K), renovated it, sold for more and used the equity to fund the downpayment on the bigger house. DH and I between us made 300K at the time [ Reply | More
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General Topics 05.20.13, 10:10 AM Flag
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We have a HHI of 180 & bought a house for 580k, putting in 40k of renovations at the start. We were both big savers (always rented below our means and worked hard for OT/bonuses). It helped that DH had no school loans from his parents paying for his schools & we also spent very little on our wedding, maybe 8k. [ Reply | More
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General Topics 05.20.13, 10:52 AM Flag
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We are a different case - our HHI was always lower than average, but my dh was an awesome saver and lived at home until 28 - he was able to buy a place and had stock that appreciated and bought a 1 bedroom for 250k in 1998. Sold it for 560k in 2004 then moved into a 750k apt. Sold that for 800k then moved into a 1.3 million apt - Dh - also sold his business in the interim which was life changing for us. We are still pretty frugal and have enough cash for a bigger apt. but are waiting until kids are older. Our income has always been barely 200k. My short answer to your question would be savings. Our mortgage is around 600k but it makes sense for us with interest deductions and lifestyle due to savings cushion. [ Reply | More
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General Topics 05.20.13, 11:14 AM Flag
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Save save save, live below our means. We don't spend a penny we don't have to. We make $150K and are looking at spending around $550k max right now. - We can't really afford anything more than that. I'd like to keep the mortgage at no higher than $350k, which means we'd put down more than 20%. [ Reply | More
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General Topics 05.20.13, 11:41 AM Flag
[ - ] Black boys in queens spray city bus with gunfire. 15 year old girl killed. 3 Replies [ Reply | Watch | More
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General Topics 05.20.13, 04:52 AM Flag
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Beacause of "stop snitching" the police can not find the perpetrators. Dinkins time is returning [ Reply | More
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General Topics 05.20.13, 04:53 AM Flag
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Scary. [ Reply | More
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General Topics 05.20.13, 10:33 AM Flag
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I'm not a pc person, and Dinkins was a disaster ... but why is the race of the boys important to this news item??? [ Reply | More
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General Topics 05.20.13, 11:15 AM Flag
[ - ] wow. i think i am really going to homeschool my 3rd grader and K kid beginning this year, maybe this summer. wish me luck everybody! 3 Replies [ Reply | Watch | More
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General Topics 05.20.13, 04:51 AM Flag
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Best decision you'll ever make. Truly. Get yourself hooked up into a network of other hs in your area. As one who has btdt, good luck! [ Reply | More
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General Topics 05.20.13, 05:38 AM Flag
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we are looking into it as well for our k kid! [ Reply | More
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General Topics 05.20.13, 06:24 AM Flag
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Why would you do that? [ Reply | More
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General Topics 05.20.13, 10:39 AM Flag
[ - ] Russian girl dasha zukhova manged to get herself impregnated by a billionaire. 6 Replies [ Reply | Watch | More
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General Topics 05.20.13, 04:17 AM Flag
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Guy who impregnated her has an 800 million dollar yaht [ Reply | More
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General Topics 05.20.13, 04:18 AM Flag
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Hah [ Reply | More
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General Topics 05.20.13, 04:18 AM Flag
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He should have worn a condom. [ Reply | More
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General Topics 05.20.13, 04:26 AM Flag
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I bet he did. She probably snatched it and impregnated herself. [ Reply | More
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General Topics 05.20.13, 04:27 AM Flag
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Since it would be their second child and they live together ... [ Reply | More
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General Topics 05.20.13, 10:08 AM Flag
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she is an oligarch's daughter and he has 5 kids with his 1st wife...they now have 2 kids together so i think it was "planned" and she doesnt need the $$$ [ Reply | More
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General Topics 05.20.13, 04:29 AM Flag
[ - ] Ew 7 Replies [ Reply | Watch | More
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General Topics 05.20.13, 03:46 AM Flag
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Catch your reflection in the mirror? [ Reply | More
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General Topics 05.20.13, 03:48 AM Flag
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No she saw a picture of Jema Bush. http://cdn03.cdn.thesuperficial.com/wp-content/uploads/2013/04/12/the-crap-we-missed-0412-18-435x580.jpg [ Reply | More
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General Topics 05.20.13, 04:05 AM Flag
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why is that ew? [ Reply | More
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General Topics 05.20.13, 04:19 AM Flag
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I was wondering that too. She looked good. [ Reply | More
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General Topics 05.20.13, 04:28 AM Flag
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She looked fat and angry. Her DH must be in living hell. [ Reply | More
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General Topics 05.20.13, 11:30 AM Flag
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I think you are projecting [ Reply | More
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General Topics 05.20.13, 11:46 AM Flag
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Darling I thought. [ Reply | More
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General Topics 05.20.13, 11:42 AM Flag
[ - ] I don't know what possesses me to weigh myself in the middle of the night while on my period after eating like a big all day. Now I am depressed about the weight and want to eat even more 13 Replies [ Reply | Watch | More
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General Topics 05.20.13, 03:34 AM Flag
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Total no sequitur, and believe me I feel for you, but I hate when people say "on my period." [ Reply | More
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General Topics 05.20.13, 03:35 AM Flag
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np why? genuinely curious [ Reply | More
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General Topics 05.20.13, 03:36 AM Flag
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Just sounds old school in a gross way. Like something Tony Soprono would say to Carmella [ Reply | More
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General Topics 05.20.13, 03:37 AM Flag
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what should people say instead [ Reply | More
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General Topics 05.20.13, 03:39 AM Flag
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Have my period. Time of the month. [ Reply | More
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General Topics 05.20.13, 03:43 AM Flag
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Have my period sounds worse [ Reply | More
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General Topics 05.20.13, 04:22 AM Flag
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np: like standing "on line" ? [ Reply | More
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General Topics 05.20.13, 03:37 AM Flag
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I have never heard anyone say that [ Reply | More
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General Topics 05.20.13, 03:38 AM Flag
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Plus a tampon [ Reply | More
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General Topics 05.20.13, 03:39 AM Flag
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lol [ Reply | More
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General Topics 05.20.13, 03:42 AM Flag
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This is me. [ Reply | More
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General Topics 05.20.13, 03:31 AM Flag
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me too [ Reply | More
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General Topics 05.20.13, 03:54 AM Flag
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Me too, but add with wet hair and clothes on [ Reply | More
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General Topics 05.20.13, 04:23 AM Flag
[ - ] Dont some boys insist on anal specifically to prevent pregnancy? 14 Replies [ Reply | Watch | More
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General Topics 05.20.13, 03:32 AM Flag
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Insist = rape [ Reply | More
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General Topics 05.20.13, 03:35 AM Flag
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Plus it's tighter than most those little whores vag's. [ Reply | More
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General Topics 05.20.13, 03:35 AM Flag
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So what is the motivation for anal in hs? [ Reply | More
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General Topics 05.20.13, 03:36 AM Flag
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same [ Reply | More
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General Topics 05.20.13, 03:40 AM Flag
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I worked with Muslim teen boys and heard that was a common practice. [ Reply | More
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General Topics 05.20.13, 03:42 AM Flag
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Help me understand. Muslim teen boys doing anal w muslim girls or christian girls? Who was the bottom [ Reply | More
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General Topics 05.20.13, 03:39 AM Flag
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They do it for a different reason, they do each other, then search through their crap looking for their God, believing God will be born of Man...true story. [ Reply | More
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General Topics 05.20.13, 03:39 AM Flag
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Muslim boys do anal with other muslim boys? Not w girls? The georgians in boston were not doing that [ Reply | More
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General Topics 05.20.13, 03:40 AM Flag
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Strange how they sure were comfortable with the butt sex, eh? [ Reply | More
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General Topics 05.20.13, 03:47 AM Flag
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OR: No! They do it with Muslim girls, who must preserve their virginity. [ Reply | More
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General Topics 05.20.13, 03:54 AM Flag
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It doesn't really work... the girls let the semen dribble down into their vag or even worse scoop is out and put it in. [ Reply | More
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General Topics 05.20.13, 03:52 AM Flag
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Seriously? You are nuts. [ Reply | More
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General Topics 05.20.13, 03:59 AM Flag
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Google it. A girl born with no vagina still got pregnant with sperm from blow job. Look it up. Knife fight leads ro blowjob pregnancy [ Reply | More
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General Topics 05.20.13, 04:08 AM Flag
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DH keeps suggesting it as birth control. Sigh [ Reply | More
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General Topics 05.20.13, 04:24 AM Flag
[ - ] Live in prewar walk up. Just went downstairs to through away the garbage, dh and dc are sleeping. I walked in the little garbage disposal area (directly in the street) and found an Asian man with latex gloves on, one of his hands was bleeding. A lot of bright red blood. He smile nervously at me. I was so scared, I screamed and ran back inside. Now I am starting to think that he was probably a can collector and probably cut himself while going through the garbage looking for bottles to recycle. I feel so bad. Should I go back outside? 20 Replies [ Reply | Watch | More
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General Topics 05.20.13, 03:28 AM Flag
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I understand. [ Reply | More
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General Topics 05.20.13, 03:23 AM Flag
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That is the benefit of living in a doorman building. No awkward moments [ Reply | More
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General Topics 05.20.13, 03:24 AM Flag
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Except all the small talk you have to make with your doorman [ Reply | More
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General Topics 05.20.13, 03:25 AM Flag
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Lol [ Reply | More
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General Topics 05.20.13, 04:25 AM Flag
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call 911 [ Reply | More
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General Topics 05.20.13, 03:24 AM Flag
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This. [ Reply | More
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General Topics 05.20.13, 03:36 AM Flag
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can you call non emergency police number and ask if they can send anyone to help? [ Reply | More
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General Topics 05.20.13, 03:30 AM Flag
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I definitely wouldn't go back outside, no. [ Reply | More
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General Topics 05.20.13, 03:31 AM Flag
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no, don't go outside. [ Reply | More
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General Topics 05.20.13, 03:33 AM Flag
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if he was black you would've screamed louder [ Reply | More
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General Topics 05.20.13, 03:29 AM Flag
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True but not polite. Not at all [ Reply | More
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General Topics 05.20.13, 03:29 AM Flag
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He probably was throwing out a body. [ Reply | More
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General Topics 05.20.13, 03:30 AM Flag
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uh oh and now OP is a witness [ Reply | More
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General Topics 05.20.13, 03:32 AM Flag
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Tomorrow's headlines: body parts found in UWS building. You already know who the eye witness is. [ Reply | More
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General Topics 05.20.13, 03:40 AM Flag
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This is always how a Law and Order starts. If this was an episode, you would just have a bit part. [ Reply | More
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General Topics 05.20.13, 03:39 AM Flag
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or that movie Bedroom Window...they saw a murder happen outside the window and the murderer saw them see him and kept coming after them. [ Reply | More
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General Topics 05.20.13, 03:37 AM Flag
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I just googled it--that's not the plot at all (I remembered it wrong). sorry! [ Reply | More
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General Topics 05.20.13, 03:45 AM Flag
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How much blood? Definitely sounds like a can collector but you should have been able to see the bag of cans. [ Reply | More
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General Topics 05.20.13, 04:09 AM Flag
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Was there a garbage truck?? [ Reply | More
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General Topics 05.20.13, 04:26 AM Flag
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Probably killing rats and dogs for his restaurant. [ Reply | More
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General Topics 05.20.13, 04:36 AM Flag
[ - ] Did you read the ny observer article about all the college aged girls from russia that travel to the hamptons each summer to try to get pregnant? How do they get visas? 14 Replies [ Reply | Watch | More
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General Topics 05.20.13, 03:28 AM Flag
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Russian girls are nokd [ Reply | More
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General Topics 05.20.13, 03:33 AM Flag
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+10000000000000000000000 [ Reply | More
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General Topics 05.20.13, 03:38 AM Flag
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Nokd? [ Reply | More
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General Topics 05.20.13, 04:26 AM Flag
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Anyone can get a tourist visa [ Reply | More
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General Topics 05.20.13, 03:43 AM Flag
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Student or tourist visa, but they overstay [ Reply | More
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General Topics 05.20.13, 03:38 AM Flag
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This [ Reply | More
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General Topics 05.20.13, 03:39 AM Flag
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This. No visa enforcement in US. Everyone knows it. [ Reply | More
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General Topics 05.20.13, 10:35 AM Flag
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link? [ Reply | More
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General Topics 05.20.13, 03:48 AM Flag
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http://www.thedailybeast.com/articles/2010/09/01/russian-girls-invade-the-hamptons-in-hopes-of-becoming-trophy-wives.html [ Reply | More
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General Topics 05.20.13, 04:32 AM Flag
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Are you serious? This article is from 2010. [ Reply | More
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General Topics 05.20.13, 05:35 AM Flag
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they aren't looking to get pregnant--they're looking for a ring. And they've got plenty to offer in the transaction. [ Reply | More
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General Topics 05.20.13, 04:44 AM Flag
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They will settle for a baby. With oodles of child support. [ Reply | More
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General Topics 05.20.13, 10:35 AM Flag
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One snagged my brother. Now I have a Russian SIL. He never knew what hit him. [ Reply | More
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General Topics 05.20.13, 10:50 AM Flag
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Tell us more! [ Reply | More
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General Topics 05.20.13, 11:16 AM Flag
[ - ] Did the mon with the 9.3 lb baby ever post again? Did she opt for c/s ? 1 Reply [ Reply | Watch | More
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General Topics 05.20.13, 03:26 AM Flag
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Was wondering this as well [ Reply | More
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General Topics 05.20.13, 10:25 AM Flag
[ - ] Second overtime, Penguins? Really? That's cool. I didn't actually want to sleep tonight anyway. 4 Replies [ Reply | Watch | More
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General Topics 05.20.13, 03:22 AM Flag
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Who are they playing? [ Reply | More
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General Topics 05.20.13, 03:29 AM Flag
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Ottawa Senators. [ Reply | More
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General Topics 05.20.13, 03:30 AM Flag
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Senators. I'm half asleep, but I know that the minute I turn off the TV, someone'll score and I just can't do it. [ Reply | More
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General Topics 05.20.13, 03:32 AM Flag
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Wow. Nice goal and goodnight. [ Reply | More
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General Topics 05.20.13, 03:35 AM Flag
[ - ] If anyone is looking for new fiction with a black protagonist that is not silly 50 Shades of Grey-ish stuff, the Times just put up a review of a book that sounds somewhat interesting. "Americanah", about a Nigerian woman who has a fellowship at Princeton who is dating a black American who teaches at Yale. The Times review is fairly positive but points out some flaws. May be worth a look. 15 Replies [ Reply | Watch | More
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General Topics 05.20.13, 03:18 AM Flag
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http://www.nytimes.com/2013/05/20/books/americanha-by-chimamanda-ngozi-adichie.html [ Reply | More
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General Topics 05.20.13, 03:19 AM Flag
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Spammy. [ Reply | More
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General Topics 05.20.13, 03:14 AM Flag
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not quite, but thanks for playing. There are always posters here asking for new books. I'm one of them. [ Reply | More
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General Topics 05.20.13, 03:25 AM Flag
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There's a black guy in 50 shades of grey? [ Reply | More
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General Topics 05.20.13, 03:21 AM Flag
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no, but there's a whole industry of books like that with black protagonists that sell very well, especially to young black women. Some of them are horribly written, though - like the original 50 Shades of Grey. [ Reply | More
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General Topics 05.20.13, 03:26 AM Flag
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You're not very eloquent about promoting your book [ Reply | More
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General Topics 05.20.13, 03:23 AM Flag
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oh, give it a rest. [ Reply | More
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General Topics 05.20.13, 03:31 AM Flag
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^I mean, seriously, if I was an author - which I am not - and my book just got featured as a "Book of the Times" and the review just placed online this evening, do you think I'd be diddling around wasting time spamming it on UrbanBaby? Really? SMH. [ Reply | More
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General Topics 05.20.13, 03:33 AM Flag
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np - The writer's photo is currently on the home page of the New York Times website along with a headline about her book. In her shoes, I'd be getting hella drunk right now and texting every damn person I know, lol. I sure wouldn't be on UB! That's small time. [ Reply | More
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General Topics 05.20.13, 04:03 AM Flag
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she talked about the flaws, it's not her book, and you are a bitch. [ Reply | More
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General Topics 05.20.13, 03:32 AM Flag
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thank you. I hate it when you try to talk about books here and get accused of being the author. I had someone accuse me of being Donna Tartt once because I wrote something nice about The Secret History. [ Reply | More
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General Topics 05.20.13, 03:39 AM Flag
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Love Chimimanda. [ Reply | More
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General Topics 05.20.13, 03:38 AM Flag
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Me too. I love Chimamanda. [ Reply | More
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General Topics 05.20.13, 03:59 AM Flag
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Thx, knew I had spelling wrong. She is brilliant. [ Reply | More
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General Topics 05.20.13, 04:09 AM Flag
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That sounds like the most boring book I could possibly think of. Pass. [ Reply | More
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General Topics 05.20.13, 10:51 AM Flag
[ - ] Ew. Got a new contact lens case and I'm pretty sure it had a blood stain on it when I opened it. 3 Replies [ Reply | Watch | More
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General Topics 05.20.13, 03:17 AM Flag
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Eww... [ Reply | More
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General Topics 05.20.13, 03:19 AM Flag
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how would there be a blood stain? seems very odd. can you return it? [ Reply | More
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General Topics 05.20.13, 03:20 AM Flag
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It probably wasn't blood, but there was a small reddish brown streak on the one lid. Oh well. I wiped it off after i noticed it and it came right out, but I had no choice but to put my contacts in it. [ Reply | More
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General Topics 05.20.13, 03:28 AM Flag
[ - ] It is always funny when girls get pregnant deliberately to get $$. Until it happens to your son. :( 31 Replies [ Reply | Watch | More
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General Topics 05.20.13, 03:16 AM Flag
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It's never funny [ Reply | More
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General Topics 05.20.13, 03:24 AM Flag
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Did u read below about the 45 year old man financially raped this way? [ Reply | More
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General Topics 05.20.13, 03:21 AM Flag
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Please don't use the word "raped" this way. What was done to that man was truly terrible but using the word rape as slang is offensive to rape victims and lends itself to rape culture. [ Reply | More
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General Topics 05.20.13, 04:40 AM Flag
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I don't agree. Women can use this method to fraudulently steal as much as 35% of a man's post tax livelihood. Losing more than a third of your life is very reasonably compared to a brutal assault. At least one can be recovered from. [ Reply | More
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General Topics 05.20.13, 09:24 AM Flag
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a ho stole your son's sperm? [ Reply | More
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General Topics 05.20.13, 03:20 AM Flag
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Horrible. This little grifter just wantes the money. Now she gets cash for 18 years [ Reply | More
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General Topics 05.20.13, 03:22 AM Flag
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He should've bag it!!!! [ Reply | More
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General Topics 05.20.13, 03:35 AM Flag
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Bagged [ Reply | More
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General Topics 05.20.13, 03:36 AM Flag
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Oh god, this is a fear I have for my ds. I'm sorry if this is what you are going through. How old is your ds? [ Reply | More
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General Topics 05.20.13, 03:29 AM Flag
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Talk to the nurse at your child's school. This is more common than you realize. Kids getting kids pregnant [ Reply | More
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General Topics 05.20.13, 03:25 AM Flag
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If they are where I live, they are getting abortions, because no one leaves school before graduation or has baby. [ Reply | More
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General Topics 05.20.13, 10:37 AM Flag
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Fake fake fakety fake fake. [ Reply | More
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General Topics 05.20.13, 03:29 AM Flag
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Huge teen pregnancy problem. Dont u watch teen mom ? [ Reply | More
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General Topics 05.20.13, 03:25 AM Flag
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On mtv ? Girls want babies [ Reply | More
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General Topics 05.20.13, 03:25 AM Flag
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They get knocked up out of stupidity and carelessness, not an elaborate plot to trap your son. [ Reply | More
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General Topics 05.20.13, 03:35 AM Flag
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Are u refering to girls on the show or in manhattan [ Reply | More
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General Topics 05.20.13, 03:30 AM Flag
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Both. You are kidding yourself if you think it is on purpose. [ Reply | More
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General Topics 05.20.13, 03:39 AM Flag
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Just saw Farrah Abraham take James Dean in the butt...nasty bitch took EIGHT fingers up her narly pussy, Sick! [ Reply | More
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General Topics 05.20.13, 03:36 AM Flag
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True. But it is spelled gnarly [ Reply | More
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General Topics 05.20.13, 03:32 AM Flag
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Ewwww either way. [ Reply | More
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General Topics 05.20.13, 03:38 AM Flag
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She is a skank, hopefully not the norm [ Reply | More
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General Topics 05.20.13, 03:39 AM Flag
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Pg [ Reply | More
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General Topics 05.20.13, 03:34 AM Flag
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This is why we need a male BC pill. [ Reply | More
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General Topics 05.20.13, 04:02 AM Flag
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Thank you. [ Reply | More
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General Topics 05.20.13, 04:31 AM Flag
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Uhh, they're called condoms. Not like males would ever be responsible enough to take a pill every day anyway. [ Reply | More
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General Topics 05.20.13, 05:44 AM Flag
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No condoms aren't safe enough. There have been women who've lifted them from the trash and impregnated themselves. [ Reply | More
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General Topics 05.20.13, 11:17 AM Flag
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Spermicide or take it with you. [ Reply | More
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General Topics 05.20.13, 11:42 AM Flag
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That is quite an accusation. What makes you so sure that was her intent? [ Reply | More
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General Topics 05.20.13, 04:31 AM Flag
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I'm sorry, but any man who is dumb enough to let this happen needs his head examined. I'm not just talking about being responsible enough to use protection, but also in vetting out the golddiggers attempting to make this happen. It is so not hard to see, and if a guy can just think with his brain and not his cock, he should never run into this dilemma. [ Reply | More
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General Topics 05.20.13, 05:49 AM Flag
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Hello! [ Reply | More
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General Topics 05.20.13, 11:33 AM Flag
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I don't think it is funny, and I only have girls. [ Reply | More
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General Topics 05.20.13, 10:36 AM Flag
[ - ] Name poll: Oceana. Pronounced "O-shee-ann-a". Thoughts? 16 Replies [ Reply | Watch | More
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General Topics 05.20.13, 03:15 AM Flag
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No. [ Reply | More
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General Topics 05.20.13, 03:17 AM Flag
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Vomits [ Reply | More
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General Topics 05.20.13, 03:18 AM Flag
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chortle [ Reply | More
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General Topics 05.20.13, 03:25 AM Flag
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No. Do you know this is a "magical" place in many mermaid/barbie books right now? [ Reply | More
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General Topics 05.20.13, 03:19 AM Flag
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it's also the continent that Australia and New Zealand are on [ Reply | More
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General Topics 05.20.13, 03:17 AM Flag
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Oceania [ Reply | More
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General Topics 05.20.13, 03:29 AM Flag
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no way [ Reply | More
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General Topics 05.20.13, 03:13 AM Flag
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Pronounced: "crap" [ Reply | More
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General Topics 05.20.13, 03:19 AM Flag
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I like "Alasia" better [ Reply | More
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General Topics 05.20.13, 03:14 AM Flag
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lol, just lol [ Reply | More
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General Topics 05.20.13, 03:24 AM Flag
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Olympia [ Reply | More
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General Topics 05.20.13, 03:20 AM Flag
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The airline onLOST [ Reply | More
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General Topics 05.20.13, 03:30 AM Flag
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Sorry, you sound black. [ Reply | More
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General Topics 05.20.13, 03:32 AM Flag
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Very [ Reply | More
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General Topics 05.20.13, 04:55 AM Flag
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O'sheawna [ Reply | More
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General Topics 05.20.13, 04:54 AM Flag
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Worst name ever [ Reply | More
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General Topics 05.20.13, 11:43 AM Flag
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