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Old 09-29-2022, 3:35pm   #61
bsmith
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This is insane, I just got an email from my bank I use for checking and this was their latest "offer" for a HELOC
I got this in an email this week.

So I can refinance from my 3.0% mortgage and extend the term out to a new 30 year loan at 6.24% and "save" $379/mo.
Brilliant!!

I don't think I am the ideal target of their marketing.
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Old 09-29-2022, 3:50pm   #62
Yadkin
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Try living in Illinois sometime. The formula they use to calculate your property taxes is so clever your taxes can go up even though the value of your house went down.
I lived in New York State for 11 years and saw similar games. My local Town Super had the gall to tell me "We've never raised taxes." They just played with the valuation to bleed as much as they wanted out of us.

The year I left they raised the fee on my professional license by about 300%. Their stated reason was to raise more revenue for unrelated programs from those with "privilege".

Also around that same time was the Thruway Authority bullshit. Originally sold as a 30 year program, at the end would give the state with new bridges and pavement. In year 29 the Legislature decided to keep the tolls, in fact increased them dramatically, again with the stated reason that it was a good stream of revenue. Rural drivers then got to subsidize ferries to NYC.
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Old 09-29-2022, 4:47pm   #63
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I'm doing OK here in a fiscally responsible county and village. My tax valuation only increased slightly. Meanwhile the market values have gone through the roof.
You'll always do OK because YADKIN.
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Old 09-29-2022, 6:12pm   #64
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25 years ago I headed south to visit a cyber friend here in Jax Fl. and even though that relationship did not flower, my love of the climate certainly DID, vs Wash DC burb and 4' of snow in my driveway with wind howling 90 mph.....

Floriduh has no state income tax.....7% sales tax, and my property tax is only 600/yr.....on a house pushing 300k in value now.....

I got VERY lucky in that I moved just outside of Jax....into Clay Co. Orange Park where the cost of living is much lower than in Jax the city.....
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