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	<title>Comments on: Reflections On Being A New Homeowner</title>
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	<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/</link>
	<description>Simple, applicable personal finance advice for the modern world</description>
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		<title>By: N'Awlins Kat</title>
		<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/comment-page-1/#comment-54227</link>
		<dc:creator>N'Awlins Kat</dc:creator>
		<pubDate>Mon, 06 Aug 2007 03:23:15 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/#comment-54227</guid>
		<description>Congratulations on the new house, Trent! We&#039;ve been in our house almost 13 years (I left half a grad school dorm room when I got married, so 1650 s/f seemed like a PALACE!). I have one bit of advice: buy flood insurance. Even if you don&#039;t live in a flood zone. We didn&#039;t, and six months later, I was mumbling &quot;but we &#039;t live in a C zone,&quot; to myself as I watched the water wash in the front door. 

We did all the rebuilding ourselves, under the theory that &quot;if some high school dropout with a ninth-grade education can do this, surely two people with college degrees can handle it.&quot; NOTE: This does not always hold true! Laying ceramic tile took a year. Floating sheetrock is hot, dirty and not fun. Insulation is particularly nasty. Never mind that my husband started a fire sweating pipes in the bathroom with an oxyacetylene torch. (And set off the security system so we met all the neighbors when they came hammering on our doors because the air horns were blaring and the strobe light we didn&#039;t know we had outside was flashing).

 We developed a close, personal relationship with the people who hold classes at Home Depot, and the guy who worked in the home maintenance department of Wal-Mart used to visibly shudder at my approach. It&#039;s been a terrific education, though I would have chosen the  &quot;Cliff&#039;s Notes of Home Reconstruction&quot; version versus the &quot;School of Hard Knocks&quot; one if I could have. It&#039;s a money pit, but it&#039;s MY money pit....and I still wouldn&#039;t trade it. Most days. But I&#039;ll never hang wallpaper again.

Anyway, congrats again!</description>
		<content:encoded><![CDATA[<p>Congratulations on the new house, Trent! We&#8217;ve been in our house almost 13 years (I left half a grad school dorm room when I got married, so 1650 s/f seemed like a PALACE!). I have one bit of advice: buy flood insurance. Even if you don&#8217;t live in a flood zone. We didn&#8217;t, and six months later, I was mumbling &#8220;but we &#8216;t live in a C zone,&#8221; to myself as I watched the water wash in the front door. </p>
<p>We did all the rebuilding ourselves, under the theory that &#8220;if some high school dropout with a ninth-grade education can do this, surely two people with college degrees can handle it.&#8221; NOTE: This does not always hold true! Laying ceramic tile took a year. Floating sheetrock is hot, dirty and not fun. Insulation is particularly nasty. Never mind that my husband started a fire sweating pipes in the bathroom with an oxyacetylene torch. (And set off the security system so we met all the neighbors when they came hammering on our doors because the air horns were blaring and the strobe light we didn&#8217;t know we had outside was flashing).</p>
<p> We developed a close, personal relationship with the people who hold classes at Home Depot, and the guy who worked in the home maintenance department of Wal-Mart used to visibly shudder at my approach. It&#8217;s been a terrific education, though I would have chosen the  &#8220;Cliff&#8217;s Notes of Home Reconstruction&#8221; version versus the &#8220;School of Hard Knocks&#8221; one if I could have. It&#8217;s a money pit, but it&#8217;s MY money pit&#8230;.and I still wouldn&#8217;t trade it. Most days. But I&#8217;ll never hang wallpaper again.</p>
<p>Anyway, congrats again!</p>
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		<title>By: SD</title>
		<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/comment-page-1/#comment-54111</link>
		<dc:creator>SD</dc:creator>
		<pubDate>Sun, 05 Aug 2007 19:12:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/#comment-54111</guid>
		<description>Congratulations on the home, its a very good feeling knowing it&#039;s yours. I am in my second house and feel the same way, we moved in february and have been going since. New floors, and painting. Lowes and Home Depot know me by name. went from a 11sq ft home to a 1650 square ft home talk about a difference. Finally all our furniture fits. Up next is the house with the acrage. Congrats again.</description>
		<content:encoded><![CDATA[<p>Congratulations on the home, its a very good feeling knowing it&#8217;s yours. I am in my second house and feel the same way, we moved in february and have been going since. New floors, and painting. Lowes and Home Depot know me by name. went from a 11sq ft home to a 1650 square ft home talk about a difference. Finally all our furniture fits. Up next is the house with the acrage. Congrats again.</p>
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		<title>By: Dani @ Living Behind the Curve</title>
		<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/comment-page-1/#comment-53376</link>
		<dc:creator>Dani @ Living Behind the Curve</dc:creator>
		<pubDate>Fri, 03 Aug 2007 16:39:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/#comment-53376</guid>
		<description>Congratulations!

We had a huge shock with our electric bills when we first bought our house in April &#039;06, but only because they went *down*.  Our electric bill in our 1800 sft house is consistently less than half of what it was at our 850 sft apartment.  We&#039;re still not sure why, but we suspect that the exterior lighting for our building was being billed to us somehow.</description>
		<content:encoded><![CDATA[<p>Congratulations!</p>
<p>We had a huge shock with our electric bills when we first bought our house in April &#8216;06, but only because they went *down*.  Our electric bill in our 1800 sft house is consistently less than half of what it was at our 850 sft apartment.  We&#8217;re still not sure why, but we suspect that the exterior lighting for our building was being billed to us somehow.</p>
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		<title>By: debbie</title>
		<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/comment-page-1/#comment-53358</link>
		<dc:creator>debbie</dc:creator>
		<pubDate>Fri, 03 Aug 2007 15:46:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/#comment-53358</guid>
		<description>Congratulations and enjoy your new experience!  We&#039;ve been in our current house for 14 years and are just beginning our remodeling process.  Life &quot;got in the way&quot; in the prior years and I&#039;m grateful for the forced delay.  I&#039;m choosing many things differently now than I used to think I wanted or needed.  A couple of suggestions for you.  Check out the Sarah Susanka &quot;Not So Big House&quot; books and study them.  It will give you some useful perspectives on how to think about your space and make good use of it.  I suggest these books for all prospective home buyers, too, because they&#039;ll help you when doing the search before buying.  As for decorating, see if you can come up with some architectural details that are more permanent but which allow you to change arround the decorating. For example, picture rails  or hanging systems that remain so that you can change the art hanging from them.  Oh, another book I really like on decorating is called &quot;Doug&#039;s Rooms&quot; I think, written by Doug Wilson known from the Trading Spaces tv show.  I never liked his tv rooms much but was happily surprised to see that his book has excellent decorating advice suitable for nearly all tastes, full of solid information.  Enjoy the journey!</description>
		<content:encoded><![CDATA[<p>Congratulations and enjoy your new experience!  We&#8217;ve been in our current house for 14 years and are just beginning our remodeling process.  Life &#8220;got in the way&#8221; in the prior years and I&#8217;m grateful for the forced delay.  I&#8217;m choosing many things differently now than I used to think I wanted or needed.  A couple of suggestions for you.  Check out the Sarah Susanka &#8220;Not So Big House&#8221; books and study them.  It will give you some useful perspectives on how to think about your space and make good use of it.  I suggest these books for all prospective home buyers, too, because they&#8217;ll help you when doing the search before buying.  As for decorating, see if you can come up with some architectural details that are more permanent but which allow you to change arround the decorating. For example, picture rails  or hanging systems that remain so that you can change the art hanging from them.  Oh, another book I really like on decorating is called &#8220;Doug&#8217;s Rooms&#8221; I think, written by Doug Wilson known from the Trading Spaces tv show.  I never liked his tv rooms much but was happily surprised to see that his book has excellent decorating advice suitable for nearly all tastes, full of solid information.  Enjoy the journey!</p>
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		<title>By: Sarah</title>
		<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/comment-page-1/#comment-53300</link>
		<dc:creator>Sarah</dc:creator>
		<pubDate>Fri, 03 Aug 2007 13:53:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/#comment-53300</guid>
		<description>@yvie: That&#039;s not necessarily true.  I mean, I was extremely proud when I first moved out after college and was paying my bills and all that.  I mean, it was my apartment!  Man!  What a life!  I loved it, and still do.  I mean, yes, the apartment still was owned by a rental company and all that, but technically, many people who own their own houses don&#039;t actually do so-- the bank owns it.  And even then, eminent domain is a big deal here around the suburban Maryland part of the DC area, where they&#039;re building a highway to help cut down on traffic-- these are people who have &#039;owned&#039; their houses for a very long time in some cases, but it doesn&#039; treally matter because there is a higher-up.  (This isn&#039;t an argument against or for eminent domain, just an example)  *shrug*  

I think it&#039;s a matter of perspective.  Additionally, right now Trent might be really excited about  making repairs on his house, but twenty years down the road, he&#039;ll be where my dad is, thinking repairs are a nuisance and wanting to move into a rental property, where he won&#039;t have to worry about them, or a brand new house, where he&#039;ll get some more time when he can just do maintenence, instead of actual repair work.

Likewise, some of the points such as having a bigger kitchen and more space and his kid loving to explore and having an office could just as easily apply to renting a larger apartment.

Either way, congratulations-- I&#039;m sure it comes across like I&#039;m ragging on homeowners, but I&#039;m really looking forward to buying a house in a few years so that I can apply all my master&#039;s thesis research on the relationship and issues of green technology and historic preservation to buying and renovating my own home:)

Speaking of which, I need to get back to doing that.</description>
		<content:encoded><![CDATA[<p>@yvie: That&#8217;s not necessarily true.  I mean, I was extremely proud when I first moved out after college and was paying my bills and all that.  I mean, it was my apartment!  Man!  What a life!  I loved it, and still do.  I mean, yes, the apartment still was owned by a rental company and all that, but technically, many people who own their own houses don&#8217;t actually do so&#8211; the bank owns it.  And even then, eminent domain is a big deal here around the suburban Maryland part of the DC area, where they&#8217;re building a highway to help cut down on traffic&#8211; these are people who have &#8216;owned&#8217; their houses for a very long time in some cases, but it doesn&#8217; treally matter because there is a higher-up.  (This isn&#8217;t an argument against or for eminent domain, just an example)  *shrug*  </p>
<p>I think it&#8217;s a matter of perspective.  Additionally, right now Trent might be really excited about  making repairs on his house, but twenty years down the road, he&#8217;ll be where my dad is, thinking repairs are a nuisance and wanting to move into a rental property, where he won&#8217;t have to worry about them, or a brand new house, where he&#8217;ll get some more time when he can just do maintenence, instead of actual repair work.</p>
<p>Likewise, some of the points such as having a bigger kitchen and more space and his kid loving to explore and having an office could just as easily apply to renting a larger apartment.</p>
<p>Either way, congratulations&#8211; I&#8217;m sure it comes across like I&#8217;m ragging on homeowners, but I&#8217;m really looking forward to buying a house in a few years so that I can apply all my master&#8217;s thesis research on the relationship and issues of green technology and historic preservation to buying and renovating my own home:)</p>
<p>Speaking of which, I need to get back to doing that.</p>
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		<title>By: yvie</title>
		<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/comment-page-1/#comment-53095</link>
		<dc:creator>yvie</dc:creator>
		<pubDate>Thu, 02 Aug 2007 23:43:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/#comment-53095</guid>
		<description>With so many of your previous posts comparing the financial advantages and disadvantages of renting vs owning, now it can be seen how owning is advantageous in the &quot;quality of life&quot; category.</description>
		<content:encoded><![CDATA[<p>With so many of your previous posts comparing the financial advantages and disadvantages of renting vs owning, now it can be seen how owning is advantageous in the &#8220;quality of life&#8221; category.</p>
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		<title>By: JMS</title>
		<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/comment-page-1/#comment-53045</link>
		<dc:creator>JMS</dc:creator>
		<pubDate>Thu, 02 Aug 2007 21:35:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/#comment-53045</guid>
		<description>Why did you buy a house with so much extra space that you don&#039;t know what to do with it all? A smaller house would have been cheaper, and you&#039;re paying to heat/cool all that unneeded space.</description>
		<content:encoded><![CDATA[<p>Why did you buy a house with so much extra space that you don&#8217;t know what to do with it all? A smaller house would have been cheaper, and you&#8217;re paying to heat/cool all that unneeded space.</p>
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		<title>By: Zian</title>
		<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/comment-page-1/#comment-52986</link>
		<dc:creator>Zian</dc:creator>
		<pubDate>Thu, 02 Aug 2007 18:26:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/#comment-52986</guid>
		<description>I&#039;d like to second guinness416&#039;s comments.

It&#039;ll probably take you a while to figure out what your patterns are like.

For example, at my home, a bedroom has gone from being a bedroom to library, to server room, to general storage, and (very nicely!) to my office.</description>
		<content:encoded><![CDATA[<p>I&#8217;d like to second guinness416&#8217;s comments.</p>
<p>It&#8217;ll probably take you a while to figure out what your patterns are like.</p>
<p>For example, at my home, a bedroom has gone from being a bedroom to library, to server room, to general storage, and (very nicely!) to my office.</p>
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		<title>By: Daron</title>
		<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/comment-page-1/#comment-52985</link>
		<dc:creator>Daron</dc:creator>
		<pubDate>Thu, 02 Aug 2007 18:24:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/#comment-52985</guid>
		<description>We also moved into our first house in January. Yes, its more work, but it feels so great to have a home.

Like you, I suffered thru many years and apartments with the &#039;office&#039; being carved out of the bedroom/living room/dining room, whatever. Having an actual, separate office is so freeing! I hope you get to enjoy it soon.</description>
		<content:encoded><![CDATA[<p>We also moved into our first house in January. Yes, its more work, but it feels so great to have a home.</p>
<p>Like you, I suffered thru many years and apartments with the &#8216;office&#8217; being carved out of the bedroom/living room/dining room, whatever. Having an actual, separate office is so freeing! I hope you get to enjoy it soon.</p>
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		<title>By: Dan</title>
		<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/comment-page-1/#comment-52975</link>
		<dc:creator>Dan</dc:creator>
		<pubDate>Thu, 02 Aug 2007 18:01:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/#comment-52975</guid>
		<description>Congratulations! 

Our big surprise on being a homeowner was taxes.  We had estimated them based on what the previous owner had been paying, not thinking that those taxes might be artificially low.  When our house was re-assessed (at the new sales price), the taxes jumped by about 70%.  Ouch!</description>
		<content:encoded><![CDATA[<p>Congratulations! </p>
<p>Our big surprise on being a homeowner was taxes.  We had estimated them based on what the previous owner had been paying, not thinking that those taxes might be artificially low.  When our house was re-assessed (at the new sales price), the taxes jumped by about 70%.  Ouch!</p>
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		<title>By: Justin</title>
		<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/comment-page-1/#comment-52967</link>
		<dc:creator>Justin</dc:creator>
		<pubDate>Thu, 02 Aug 2007 17:44:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/#comment-52967</guid>
		<description>I just bought and moved into my first house this July also. I just wanted to say that every single thing on that list, aside from the part about children (which I don&#039;t have), is exactly what I&#039;m going through right now too.

More space, more work, a garage full of junk that I probably should have thrown away long ago, great satisfaction, less laziness, and I still don&#039;t know what to hang on the walls.</description>
		<content:encoded><![CDATA[<p>I just bought and moved into my first house this July also. I just wanted to say that every single thing on that list, aside from the part about children (which I don&#8217;t have), is exactly what I&#8217;m going through right now too.</p>
<p>More space, more work, a garage full of junk that I probably should have thrown away long ago, great satisfaction, less laziness, and I still don&#8217;t know what to hang on the walls.</p>
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		<title>By: Samir</title>
		<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/comment-page-1/#comment-52964</link>
		<dc:creator>Samir</dc:creator>
		<pubDate>Thu, 02 Aug 2007 17:42:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/#comment-52964</guid>
		<description>Congratulations Trent, now you can enjoy the BBQ more then before.</description>
		<content:encoded><![CDATA[<p>Congratulations Trent, now you can enjoy the BBQ more then before.</p>
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		<title>By: Ben</title>
		<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/comment-page-1/#comment-52952</link>
		<dc:creator>Ben</dc:creator>
		<pubDate>Thu, 02 Aug 2007 17:00:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/#comment-52952</guid>
		<description>Congratulations. I can&#039;t wait until I&#039;m a homeowner myself. This is encouraging.</description>
		<content:encoded><![CDATA[<p>Congratulations. I can&#8217;t wait until I&#8217;m a homeowner myself. This is encouraging.</p>
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		<title>By: Kathy</title>
		<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/comment-page-1/#comment-52946</link>
		<dc:creator>Kathy</dc:creator>
		<pubDate>Thu, 02 Aug 2007 16:54:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/#comment-52946</guid>
		<description>Congratulations!  Enjoy.</description>
		<content:encoded><![CDATA[<p>Congratulations!  Enjoy.</p>
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		<title>By: guinness416</title>
		<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/comment-page-1/#comment-52938</link>
		<dc:creator>guinness416</dc:creator>
		<pubDate>Thu, 02 Aug 2007 16:35:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/#comment-52938</guid>
		<description>I&#039;d suggest not feeling pressured to decorate/furnish/identify rooms yet and rushing into anything.  We&#039;ve had our current place for a year and are still changing things around and as we&#039;re now planning renovations I&#039;m glad we didn&#039;t rush into anything.  You need to live in a place for a while.</description>
		<content:encoded><![CDATA[<p>I&#8217;d suggest not feeling pressured to decorate/furnish/identify rooms yet and rushing into anything.  We&#8217;ve had our current place for a year and are still changing things around and as we&#8217;re now planning renovations I&#8217;m glad we didn&#8217;t rush into anything.  You need to live in a place for a while.</p>
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		<title>By: Liz</title>
		<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/comment-page-1/#comment-52934</link>
		<dc:creator>Liz</dc:creator>
		<pubDate>Thu, 02 Aug 2007 16:25:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/#comment-52934</guid>
		<description>Trent:  Congrats on your new house!  We just moved into our 2nd house this spring (much bigger, a couple of acres, a bigger mortgage)and I&#039;ve found that I have to live in a room for a while before I can decide what to do with it.  Which also gives me the opportunity to save for whatever needs to be bought (paint, furniture, window coverings) - so enjoy the process and the results!</description>
		<content:encoded><![CDATA[<p>Trent:  Congrats on your new house!  We just moved into our 2nd house this spring (much bigger, a couple of acres, a bigger mortgage)and I&#8217;ve found that I have to live in a room for a while before I can decide what to do with it.  Which also gives me the opportunity to save for whatever needs to be bought (paint, furniture, window coverings) &#8211; so enjoy the process and the results!</p>
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		<title>By: Javi0084</title>
		<link>http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/comment-page-1/#comment-52927</link>
		<dc:creator>Javi0084</dc:creator>
		<pubDate>Thu, 02 Aug 2007 16:07:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/08/02/reflections-on-being-a-new-homeowner/#comment-52927</guid>
		<description>I hope to be a homeowner someday, too bad I don&#039;t have enough income and only $40 for a down payment :(

Maybe when some of the foreclosures that the media is talking about kick in, prices will come down and the govt. *sigh* will pay my down payment.

Congrats on your new home Trent.</description>
		<content:encoded><![CDATA[<p>I hope to be a homeowner someday, too bad I don&#8217;t have enough income and only $40 for a down payment :(</p>
<p>Maybe when some of the foreclosures that the media is talking about kick in, prices will come down and the govt. *sigh* will pay my down payment.</p>
<p>Congrats on your new home Trent.</p>
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