So, my house burnt down to the ground today.. (1 Viewer)

[Chadstroma]

She lost everything she's ever owned, I think it's an understandable reaction even if you don't agree with it.

People have been offering my family and I assistance left and right, I'm not quite sure how that differs much from the philosophy of gofundme,

I can't say I'm surprised that it's the Trump supporters who are acting like huge ##### bags in this thread though.

The reality of it is that a decent insurance policy will make your parents, you and your sister whole in as much as what can be replaced with money. The gofundme will almost certainly not be needed. There will be loss time and a whole lot of effort that will be needed that will disrupt all of your lives. Other than the birds the other big loss is things that hold sentimental value. But it is not really things that the gofundme will do. In other words, it is not like

It is, however, an obviously traumatic experience. Like I said before, I think it is understandable to freak out and be overwhelmed. I think it is also understandable to not really have a clue how the insurance thing will work or even if everything will be covered etc. In the end, I am pretty confident that it will not be needed but it certainly is understandable to react that way.

Don't let the internet tough guys get to you.

 

[HellToupee]

My son moved out at 26. Could not find a job at 22. Got a great one at 24.  Saved up and bought a house a year ago for $139,000 and three just sold for $152000 and he has 16K equity.

Have recently sold six homes to young couples ages 23-25. They all did it the right way.

Sounds like your son has a good head on his shoulders. He had a plan. 

 

[EYLive]

The idea that children need to move out ASAP is a Western mindset. A lot of other cultures have adult children living with parents and extended family.

 

[mozzy84]

No problem with the Gofundme, but the sis asking for 100k screams MORON to me. I'll bet she's smoking hot.  

I thought it said 10k yesterday when I clicked on it.

I have seen way way way worse gofundme pages. she just lost all her crap in a fire, I wouldn't donate to it but no problem with it.

 

[SameSongNDance]

The reality of it is that a decent insurance policy will make your parents, you and your sister whole in as much as what can be replaced with money. The gofundme will almost certainly not be needed. There will be loss time and a whole lot of effort that will be needed that will disrupt all of your lives. Other than the birds the other big loss is things that hold sentimental value. But it is not really things that the gofundme will do. In other words, it is not like

It is, however, an obviously traumatic experience. Like I said before, I think it is understandable to freak out and be overwhelmed. I think it is also understandable to not really have a clue how the insurance thing will work or even if everything will be covered etc. In the end, I am pretty confident that it will not be needed but it certainly is understandable to react that way.

Don't let the internet tough guys get to you.

I'm kind of numb right now so the back and forth is in some odd way is keeping me grounded. Like I said, I'm not too fond of gofundme either and even feel awkward accepting anything from close friends and family; it's just not what I'm about. I like the idea someone proposed of donating the money to charity assuming homeowner's insurance covers the majority of what was lost. It's only been a day and I'm still super confused about the process but this thread has given me some good insight.

To the curious, I do have a degree, a job and have been saving money. Up to this point it wasn't really feasible or logical for me to move out from a monetary standpoint but ####, I don't really think that was the purpose of this thread.

 

[gianmarco]

It's the same song and dance every thread.

 

[krista4]

Just happened upon this today coincidentally.

 

[Bucky86]

I thought it said 10k yesterday when I clicked on it.

I have seen way way way worse gofundme pages. she just lost all her crap in a fire, I wouldn't donate to it but no problem with it.

Looks like it's been lowered to 10k. Yesterday it was 100k. 10K is definitely reasonable.

 

[Chadstroma]

I'm kind of numb right now so the back and forth is in some odd way is keeping me grounded. Like I said, I'm not too fond of gofundme either and even feel awkward accepting anything from close friends and family; it's just not what I'm about. I like the idea someone proposed of donating the money to charity assuming homeowner's insurance covers the majority of what was lost. It's only been a day and I'm still super confused about the process but this thread has given me some good insight.

To the curious, I do have a degree, a job and have been saving money. Up to this point it wasn't really feasible or logical for me to move out from a monetary standpoint but ####, I don't really think that was the purpose of this thread.

It would be awesome to take the money not needed from the raised funds and donate it to a charity that helps people in similar situations that don't have insurance or maybe disaster relief.

Don't worry about the crap about staying at home either. As long as you are being productive there is nothing wrong with it. Now, if you are your age and don't have a decent job or no job and blow all your money etc- that is a different story. If you are being responsible and just taking advantage of not paying rent and you live in a situation where it is not cramped etc. There is nothing wrong with that at all.

My guess is that a lot of the crap that is being heaved has more to do with whatever back and forth outside of this thread has happened.

 

[SameSongNDance]

Looks like it's been lowered to 10k. Yesterday it was 100k. 10K is definitely reasonable.

I told her to lower it yesterday because she looked like an ####### haha.

My guess is that a lot of the crap that is being heaved has more to do with whatever back and forth outside of this thread has happened.

This is the case.

 

[eoMMan]

I'm kind of numb right now so the back and forth is in some odd way is keeping me grounded. Like I said, I'm not too fond of gofundme either and even feel awkward accepting anything from close friends and family; it's just not what I'm about. I like the idea someone proposed of donating the money to charity assuming homeowner's insurance covers the majority of what was lost. It's only been a day and I'm still super confused about the process but this thread has given me some good insight.

To the curious, I do have a degree, a job and have been saving money. Up to this point it wasn't really feasible or logical for me to move out from a monetary standpoint but ####, I don't really think that was the purpose of this thread.

What's your degree in?

Are you saving money specifically for a house down payment?

Do you pay your parents any rent, utilities, etc.?

Nothe knocking here, just curious. 

 

[TLEF316]

Lived at home until I was around 25. Took about a year after college to find a decent job (although I worked part time stuff during that time) and paid rent  ($400 a month plus my share of the cable bill) for the ~2 years after that until I had enough $$ for a down-payment.

It definitely cramped my social life (and my parents and I clashed a lot early as I re-adjusted to being "under their roof")but with how insanely expensive rent is around here (Central NJ, one of the highest suburban areas in the country) it was the right decision. I was able to put a 25% down-payment on a condo in a nice area and will probably be upgrading in the next year or so.

For me, 2 years of less than ideal social situation was a reasonable sacrifice.

That being said, a 25 year old who lives at home, has no plan and doesn't contribute at all is a straight up bum.

 

[sbonomo]

My son moved out at 26. Could not find a job at 22. Got a great one at 24.  Saved up and bought a house a year ago for $139,000 and three just sold for $152000 and he has 16K equity.

Have recently sold six homes to young couples ages 23-25. They all did it the right way and four of them lived with one of the parents to save up.




 

I am having trouble with the math - $139K purchase price with a $152K value = $13K in equity - He was able to put 3K down (~2%) or are you guessing at the amout of amortization?   

 

[Eminence]

Don't feed into it SameOldSongNDance or else you'll be the new Em by this time next week.

 

[SameSongNDance]

What's your degree in?

Are you saving money specifically for a house down payment?

Do you pay your parents any rent, utilities, etc.?

Nothe knocking here, just curious.

Finance major/economics minor, yes on saving for a down payment and yes on rent.

Don't feed into it SameOldSongNDance or else you'll be the new Em by this time next week.

Impossible. But Em, I do appreciate your previous kind words.

 

[rustycolts]

Again really sorry for your misfortune and also sorry for some of the reactions here in this forum.I don't know if you contacted the Red Cross or possibly they have contacted you but they can help.   http://www.redcross.org/what-we-do

 

[Kanil]

Real response:

That's terrible man but at least your family is OK and things are just things (besides the poor birds).  Good luck to you and yours.

Schtick response:

Did you have a REALLY old tree in your backyard, and do you live behind Otis by any chance?  Pretty sure @Otis took my fire arrow advice to heart.

 

[eoMMan]

I am having trouble with the math - $139K purchase price with a $152K value = $13K in equity - He was able to put 3K down (~2%) or are you guessing at the amout of amortization?   

Appreciation/depreciation? 

 

[avoiding injuries]

I was kicked out of the house one month after graduating college bc my mom found me passed out in the front lawn on a Sunday morning when she was heading to church. Best thing that could have happened. 

Fyi, the OP pointed out which room he was posting insults to the trump supporters before any of the trump supporters posted off topic  

 

[Zegras11]

I am having trouble with the math - $139K purchase price with a $152K value = $13K in equity - He was able to put 3K down (~2%) or are you guessing at the amout of amortization?   

His principal has gone down $3k in a year

 

[comfortably numb]

I'm glad your sister started the gofundme page.
It means she is alive.
 

Hang in there. It may get worse before it gets better.
I'm in CNJ and go to Essex Cty at times if you (or your sister ) need something just ask.
Lots of people in here willing to offer some assistance.

How are your parents doing?
Any idea how the fire started?
 

 

[Captain Cranks]

I'm not suggesting any malfeasance on this forum as I trust there's been some real, unfortunate tragedy, but potential scam artists are picking up some pretty good ideas lately.  

 

[NFL-ons]

October 2015 - I had a significant fire at my house.  Fortunately Julius, my cat, and I got out fine.  I remember just standing out front numb watching the firemen extinguish the blaze.  It seemed like I was standing there forever.  During that time, I was approached by an arson investigator and 3 public adjustors, I don't even know what I said to them.  As the fire trucks were departing, a red cross volunteer drove up, I was still just standing there.  She got me into a hotel and the next day some clothes.

A short time later, I contacted my insurance agent.  He started the claim and I was given my "offer" a week or so later.  At the time houses in my neighborhood were approaching $300k.  They "estimated" that there was more than 50% of the home left and wanted to pay me $60k to rebuild it.  The house was DESTROYED and, granted I have always lived a Spartan life, I lost everything.  Well, I still had the business cards from the adjustors that had approached me.  I called all 3 just to learn about the process and, ultimately, I had all three bidding against each other.  I settled with my representative for a 5% commission. 

Now where my initial offer was received fairly quickly, it took months to get my next offer.  I had to meet with a town representative every week to give them an update, which I had none, because they wanted the burned up home addressed.  My private adjustor was able to get me $160k!  Fortunately, I owed less than $150k, so I paid off the balance.  I was just ready to move on, so I sold the skeleton to an investor who did those types of rebuilds.

Awful, awful experience.  The only good thing about it was John, my public adjustor.

 

[Wooderson]

Sorry about the loss you family is safe and rebuilding will help get thinks back to normal  

Out of the house at 18 because well I was an adult and wanted to figure it out myself. 

Shady you have never lived alone? Am I reading that right ?

 

[shadyridr]

Sorry about the loss you family is safe and rebuilding will help get thinks back to normal  

Out of the house at 18 because well I was an adult and wanted to figure it out myself. 

Shady you have never lived alone? Am I reading that right ?

Correct

 

[The Duff Man]

Now that I am 40, I look back at the difficult times in my life and feel blessed because the lessons I learmed during those times are what turned me into the happy, successful person I am today.

Learn everything you can from this, and if you struggle know that if you choose this will benefit you down the road.

 

[cstu]

I'm not surprised that you're unable to discern between what does and doesn't constitute being a ##### bag. 

It's not even remotely uncommon for someone my age to be living at home. This is yet another example of your ilk being completely divorced from reality.

Just read today that people aged 18-34 are more likely to be living with their parents than married/living with SO.

 

[krista4]

Just read today that people aged 18-34 are more likely to be living with their parents than married/living with SO.

Yes, as in the link I posted way up on page 3.  (Not blaming you - seems people are unwilling to click links.)

 

[Ministry of Pain]

I left home at 17 and did not return...bet that surprises no one. 

But I also respect those that go to college and then come back and live at home to save up a few bucks, that's really between a son or daughter and their mom n dad. 

I didn't have a happy home life(big suprise) so doing what you did SSD wasn't really an option. But just because that option wasn't available doesn't mean you are doing anything wrong. 

I will close this post however with a quick "here's where I draw the line". When I returned to Florida and started getting back in touch with old friends I discovered one who was 35 and still living with mom n dad, I let it be known to her how I felt about that. And then she would always complain and she could never find a husband...what man is going to marry you at 35 living with mom n dad?

 

[NFL-ons]

I left home at 17 and did not return...bet that surprises no one. 

But I also respect those that go to college and then come back and live at home to save up a few bucks, that's really between a son or daughter and their mom n dad. 

I didn't have a happy home life(big suprise) so doing what you did SSD wasn't really an option. But just because that option wasn't available doesn't mean you are doing anything wrong. 

I will close this post however with a quick "here's where I draw the line". When I returned to Florida and started getting back in touch with old friends I discovered one who was 35 and still living with mom n dad, I let it be known to her how I felt about that. And then she would always complain and she could never find a husband...what man is going to marry you at 35 living with mom n dad?

This post requires a pic for more definitive follow up.

What's the difference?  Mom and Dad take care of her or her husband?  At least any potential suitor would know, in advance, that she doesn't have any desire to support herself.