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linneajospeh · 10 days ago

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What to Bring to a Consultation With a Financial Advisor?

Meeting with a financial advisor for the first time can feel a little intimidating. You know you want help with your money, but you might not be sure what to expect—or what to bring. The good news? You don’t need to have everything figured out. The key is to come prepared with a clear picture of where you are today, and where you’d like to go.

Whether you’re getting ready for retirement, planning to buy a home, or just want help organizing your finances, bringing the right documents (and mindset) to that first meeting can make all the difference.

Let’s break down exactly what you should gather—and why it matters.

1. Your Most Recent Financial Statements

Start with the basics. Your advisor will want to understand how your finances are currently structured. That means bringing:

Bank account statements (checking and savings)

Credit card statements

Investment account summaries (brokerage, retirement, IRAs, 401(k), etc.)

Mortgage or loan details

Don’t worry if your accounts aren’t perfectly organized. A good advisor won’t expect perfection—they’ll help you make sense of what’s there. But these statements help them get a snapshot of your cash flow, debt, and assets right off the bat.

2. Pay Stubs or Income Records

Knowing what you earn is critical to building a smart plan. Bring your most recent pay stub (or a few, if your income varies) or profit-and-loss statements if you’re self-employed.

If you have multiple sources of income—such as freelance work, rental properties, or side businesses—bring documentation for those as well.

And if you're in a dual-income household, include your partner’s income details, too. This helps the advisor build a full financial picture.

3. Tax Returns from the Last 2 Years

While reviewing your taxes might not sound fun, your advisor can gain a lot of insight from your returns.

How much are you paying in taxes annually?

Are you taking advantage of deductions and credits?

Do you have room to contribute more to tax-advantaged accounts?

Bring your last two years of tax returns. It gives the advisor a sense of trends and opportunities that might otherwise be overlooked.

4. A List of Your Goals (Even the Big, Scary Ones)

This might be the most important thing you bring—and you don’t even need to print it out. Just think it through.

Your financial advisor can’t create a meaningful plan unless they know what matters to you. Ask yourself:

What do I want in the next 1–3 years?

What about 5–10 years from now?

Are there any “someday” goals that I’ve been putting off?

Maybe it’s retiring early, buying a second home, starting a business, or saving for your child’s wedding. No goal is too small or too far-fetched. Write it down.

If you’re working with a financial advisor consultant in Fort Worth TX, they’ll also factor in local housing markets, cost of living, and tax considerations when helping prioritize these goals.

5. Insurance Policies and Coverage Info

Financial planning isn’t just about growing wealth—it’s also about protecting it. Your advisor will want to review:

Life insurance policies

Health, auto, and home insurance

Long-term disability coverage

This helps identify whether you’re underinsured or overpaying. Sometimes a small tweak to your coverage can free up cash or reduce risk.

6. Retirement and Pension Details

If you have access to a 401(k), pension, or other retirement plan through work, bring the details. Include:

Contribution amounts

Employer matching info

Vesting schedules

Plan summaries

Your advisor will look for ways to optimize your strategy—especially when it comes to tax efficiency and long-term compounding.

7. Debt and Loan Balances

Some people are hesitant to talk about debt—but it’s a crucial part of your financial picture. Bring documentation for:

Student loans

Credit card balances

Personal loans or HELOCs

Auto or business loans

An advisor won’t judge—they’ll simply help you prioritize repayments and avoid high-interest traps. Knowing your interest rates, minimum payments, and terms helps them create a realistic strategy.

8. Legal Documents (If Applicable)

If you have any of the following, it’s helpful to bring them along:

Will or trust documents

Power of attorney paperwork

Business ownership agreements

These may not apply to everyone, but they can be crucial for estate planning, succession planning, and asset protection.

9. Questions You’ve Been Wanting to Ask

Write them down. Yes, seriously. It’s easy to forget once the conversation starts flowing. Here are a few examples to spark ideas:

Am I saving enough for retirement?

What should I prioritize—investing or paying down debt?

Are there better ways to manage my taxes?

Should I refinance or stick with my current mortgage?

The consultation is about you. Don’t hesitate to ask what’s been on your mind—there are no silly questions in financial planning.

10. An Open Mind

This might sound a little abstract, but it’s just as important as any document. A productive consultation starts with honesty and a willingness to explore different strategies—even if they challenge what you’ve done in the past.

It’s not about being perfect or knowing all the lingo. It’s about partnering with someone who wants to help you succeed.

Before your meeting, you might also want to review Financial Advisor Consultant: Strategic Guidance for Smarter Decisions, which dives into how the right consultant can offer tailored insight and ongoing support throughout your financial journey.

Conclusion: Preparation Builds Confidence

Walking into your consultation with the right paperwork—and the right mindset—sets the stage for a valuable, productive conversation. You don’t need to have all the answers. You just need to show up ready to talk honestly, learn, and take the next step.

Working with a financial advisor consultant in Fort Worth TX can help you cut through confusion and build a strategy that feels tailored to you. Whether you're starting from scratch or fine-tuning a plan already in motion, the first meeting is your launchpad.

Bring your story. Bring your numbers. Bring your questions. And get ready to feel a whole lot more in control.

#Consultant #Financial advisors #Financial planning #Financial advisor consultant

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loaneasyhome · 27 days ago

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Top First Home Buyer Loan Schemes That Could Save You Thousands

Buying your first home? Buckle up , it's a wild ride. One minute you're browsing listings with stars in your eyes, the next you're hit with a wall of confusing costs and acronyms. Sound familiar? You're not alone. Luckily, there's a bunch of help available if you know where to look. That’s what this is about. Let’s talk about first home buyer loan schemes. These aren't some mystery program only accountants understand, they’re real options designed to give you a leg-up into the housing market. At Loan Easy, we speak to first-time buyers every single day. We know the struggle, and more importantly, we know how to make things easier.

What Are These Schemes All About?

Imagine you’re planning a trip overseas, but someone offers to cover part of your flight. That’s kind of what these schemes do. They help with things like your deposit, stamp duty, or even insurance fees, stuff that can pile up fast when you’re buying a house. First home buyer loan schemes are usually government-backed (some are from banks too) and meant to help folks who haven’t owned property before. Depending on where you live and what your situation is, you might be eligible for more than one. Yep, that’s right, more than one.

The Support You Didn’t Know You Needed

Let’s break it down. Here are a few types of support you might qualify for: 1. Government Grants Think of these as welcome gifts for buying a home. You don’t have to pay them back, and they can go straight toward your deposit or other upfront costs. Free money? Yes, please. 2. Low Deposit Options Saving a full deposit is tough—especially with rent, groceries, and life in general. Some programs let you buy with just 5% down and still dodge lender’s mortgage insurance. That’s a big win. 3. Stamp Duty Exemptions Stamp duty can be a nasty surprise if you’re not prepared. Luckily, many states offer discounts or full exemptions for first home buyers. That alone can save you thousands. 4. Shared Ownership This one’s more niche, but pretty clever. You buy part of a property and a government or other party buys the rest. Over time, you can buy out their share. Great if your budget’s tight but your long-term outlook is solid. 5. Special Deals from Lenders Some banks roll out the red carpet for first-time buyers with lower rates or fewer fees. These deals come and go, so it's worth shopping around. Where the Real Savings Kick In You might be thinking, "That’s great, but how much will I actually save?" Fair question. While it depends on your situation, the savings can be pretty serious. Skipping stamp duty, avoiding insurance fees, getting help with your deposit, it all adds up. These aren’t minor discounts; we’re talking about costs that could make or break your ability to buy. On top of that, being able to buy sooner means you stop renting sooner, and start building equity instead of paying someone else's mortgage. Let’s Talk About Rates We can’t ignore the loan itself. Finding the best home loan rates for first home buyers is just as crucial as grabbing those scheme benefits. A lower interest rate doesn’t just save you money month-to-month—it shaves years off your mortgage. At Loan Easy, we don’t just throw numbers at you. We look at your whole picture - income, lifestyle, future goals and help you compare options that actually fit your needs. Because the “best” loan isn’t just the lowest rate. It’s the one that helps you sleep at night. Not Sure Where to Begin? It’s alright. Most people aren’t. Here’s a simple way to get started: ● Find out what’s on offer where you live. ● Do a quick budget check—what can you comfortably afford? ● Reach out to someone who knows the system (hint: that’s us). Seriously, don’t try to do this alone. There’s no gold star for figuring it all out without help. Conclusion Buying your first home is a big step, but it doesn’t have to feel impossible. Between the various first home buyer loan schemes and the hunt for the best home loan rates for first home buyers, there are real ways to make this process smoother—and more affordable. If you're ready to make moves, we’re ready to help. No jargon, no pressure. Just solid advice, tailored to you. Let’s make this happen. Visit Loan Easy and take that first step toward getting your keys.

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moneymaximising · 2 months ago

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Hey there, Diarmaid here from Money Maximising Advisors.

If you're thinking about selling your current home and buying a new one, you're in the right place. In today’s episode, we’ll guide you through how to secure a mortgage while making that big move – without the usual confusion or stress. Whether you're upgrading, relocating, or simply changing pace, this podcast will help you understand the process clearly and make informed financial decisions. Let’s get started!

Get a Mortgage When Selling Your Home and Buying Another

Navigating the housing market can feel like a daunting rollercoaster ride, especially when you’re selling your current home and looking to buy another. If you’ve found yourself in this whirlwind of buying and selling, you may be wondering how to manage the financial side of things—specifically, securing a Buy To Let Mortgage Ireland while juggling two properties.

Many homeowners overlook one powerful option: leveraging their existing equity. By understanding how to release equity from home during the transition, you could unlock funds that make purchasing your next dream home much smoother. Whether you’re considering an Equity Release Mortgage Rates or exploring other avenues like public sector mortgages in Ireland, getting informed is key.

In this guide, we’ll delve into the intricacies of obtaining a mortgage while selling andm buying property simultaneously. From discovering potential benefits to tackling challenges head-on, we’ve got you covered with insights that will empower you on this journey. Let’s dive into what it takes to make your next move seamless and rewarding!

Understanding the Home Selling and Buying Process

Selling and buying a home simultaneously requires careful planning.

Start by assessing your current property’s value through market research or an appraisal. This step helps you set realistic expectations and timelines.

Next, consider the state of the housing market in your area. Are homes selling quickly, or is it a buyer’s market? Understanding these dynamics can shape your strategy for both selling and purchasing.

Once you’ve sold your home, it’s essential to have a clear picture of how much equity you have available. This equity can significantly impact the financing options for your new purchase.

Simultaneously searching for a new home while managing offers on yours adds layers of complexity. Stay organized with open communication between agents and lenders to ensure everything flows smoothly during this transitional period.

📩 Enquire Now – to unlock the potential of your property today with Money Maximising Advisors.

Benefits of Getting a Mortgage When Selling and Buying

When selling your home and buying another, securing a mortgage can be an advantageous move. It allows you to leverage the equity you’ve built in your current property. This equity can serve as a significant down payment on your new home.

Moreover, getting a mortgage while juggling both transactions provides flexibility. You won’t feel rushed to sell or buy at unfavorable terms. Instead, you can negotiate better deals that suit your financial needs.

Another benefit is locking in lower interest rates, especially if market conditions are favorable. This could translate into substantial savings over the life of the loan.

Additionally, it simplifies budgeting by providing clear monthly payments for your new home purchase. Having this clarity helps manage finances effectively amidst the transition period of selling and buying properties.

📅 Book Now – Schedule your consultation with our expert advisors today.

Tips for Qualifying for a Mortgage While in the Process of Selling Your Home

Qualifying for a mortgage while selling your home can be challenging but manageable.

Start by gathering all necessary documents early, including pay stubs, tax returns, and bank statements. This preparation will save you time later.

Next, maintain or improve your credit score during this process. Pay down existing debts if possible and avoid making large purchases that could affect your credit utilization ratio.

Communicate openly with potential lenders about your situation. Some may offer tailored solutions like bridge loans to help transition between homes smoothly.

Consider timing carefully as well; coordinating the sale of your current home with the purchase of a new one can reduce financial strain significantly.

Work closely with experienced real estate agents who understand both buying and selling dynamics in the market. Their insights can guide you through financing options best suited for your circumstances.

What to Look for in a Mortgage Lender During This Process

Choosing the right mortgage lender is key when navigating home sales and purchases.

Look for lenders with experience in handling simultaneous transactions. They should understand the complexities involved.

Check their communication style. A responsive lender can make a stressful process much smoother. You want someone who keeps you informed at every stage.

Examine their loan options closely. Ideally, they should offer products tailored to your needs, including equity release mortgages or buy-to-let mortgages that align with your financial goals.

Don’t overlook interest rates either; compare them across different lenders to find competitive Equity Release Mortgage Rates or public sector mortgage options in Ireland.

Read reviews and seek recommendations from trusted sources like Money Maximising Advisors to ensure you’re making an informed choice. The right lender will support you through this intricate journey and help ease any concerns along the way.

Potential Challenges and How to Overcome Them

Navigating the mortgage landscape while selling and buying a home can present several challenges.

One common hurdle is timing. You might find your dream home before selling your current one, leading to financial strain.

Another issue could be approval delays. Lenders may require extensive documentation, which can prolong the process when you’re on a tight schedule.

To tackle these problems, consider getting pre-approved for a mortgage early in the selling process. This step not only speeds things up but also gives you confidence during negotiations.

Additionally, work closely with an experienced realtor who understands both sides of the transaction. Their expertise can help streamline communications and navigate potential pitfalls effectively.

Staying organized is crucial as well. Keep all necessary paperwork in one place to avoid last-minute scrambling that could jeopardize timelines or deals.

Conclusion: Is It Worth It?

Navigating the process of selling your home while simultaneously buying another can feel overwhelming. However, getting a mortgage during this transition is often not just beneficial; it may be essential. You can use equity release mortgages to access cash tied up in your current property, allowing you to make competitive offers on new homes.

While there are challenges—such as qualifying for a Buy To Let Mortgage Ireland with two transactions happening at once—they’re not insurmountable. With proper planning and the right advice from Money Maximising Advisors, many people find success in managing both sales and purchases seamlessly.

Weighing these factors will enable you to determine if taking out a mortgage during this dual process aligns with your long-term financial goals. Each step presents unique opportunities and hurdles that deserve careful consideration before diving into this significant life change.

Take control of your finances and secure the perfect home with Money Maximising Advisors! 📞 Contact Us today!

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lilliangrantrealtor · 4 months ago

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How Can I Buy a House For My Parents in BC

Buying a house for your parents is a meaningful way to support them and ensure their comfort. However, navigating the complexities of real estate, especially in British Columbia, requires careful planning and consideration of various factors.

This guide outlines essential steps, financing options, and key considerations to help you make informed decisions while fostering family harmony throughout the process.

Understanding Your Family's Needs and Goals

Buying a House for Parents: Making it Work in BC

Assessing Your Parents' Needs

Buying a house for your parents is a big step. First, think about their needs. Location matters. They may need to be close to healthcare services like doctors and hospitals. This can make a big difference in their daily lives.

Next, consider the size of the home. A single-story house might be better if stairs are hard for them. Also, look at accessibility features like grab bars or ramps. These things help keep them safe and comfortable.

Don't forget about emotional support. The living arrangements will impact family dynamics, so talk openly about how everyone feels.

Setting Realistic Goals

When setting goals, it's best to plan together with your parents. Talk about timelines that work for everyone’s budget and situations. This way, they feel involved in the decision-making.

Budgeting is key too. Don’t just focus on the purchase price. Think about ongoing costs like maintenance and property taxes as well as any renovations for elder care housing.

Family Finance & Home Purchase: A BC Perspective

Budgeting for the Purchase

Budgeting is super important when buying a house in British Columbia. Start by listing all costs beyond the sale price. Closing costs can pile up quickly from inspections, appraisals, legal fees, and title insurance.

Look into down payment assistance programs available through local government or banks to help manage these expenses.

Be sure to catch any hidden costs early on. Knowing what to expect can save you from financial stress later when making changes after moving in.

Evaluating Financial Support Options

Families often help each other financially when buying homes together. You could give equity gifts or even loans without interest to help lighten the load.

Make sure to communicate clearly about how these contributions will work so that no one feels pressured or taken advantage of financially.

Financial Support for Elderly Parents: Exploring Options

Government Programs and Assistance

In British Columbia, there are government programs that can aid families who care for elderly relatives with housing needs. Some programs offer tax credits or grants that help cover renovation costs needed for elder care housing.

It’s also wise to learn about tax implications related to family property sales. Talking with professionals who understand real estate transactions between family members can help ensure everything goes smoothly while making the most of benefits available.

Creative Financing Solutions

If traditional mortgages aren’t enough, look into creative financing options that can assist parent-child housing situations. Shared ownership agreements allow both parties to own a part of the property together without losing individual interests.

Another option is seller carryback financing, where sellers (like parents) help finance part of their home sale directly rather than relying only on banks. This can simplify the process and reduce stress during home purchases within BC communities!

Financing Options in BC

Financing Options for a House for Parents: Mortgages & Equity

If you’re considering buying a house for your parents, there are several mortgage options that can help make this goal a reality. Here are some effective strategies to explore:

Co-borrower Mortgage

You and your parents can apply together, combining your incomes which may qualify you for a larger loan. Remember, all parties will share responsibility for the mortgage payments.

Equity Gifts

Family members can give money to help with the down payment or closing costs. This support is especially beneficial for first-time home buyers looking to assist their parents and helps make ownership more equitable among family members.

Explore Lender Programs

In British Columbia, it’s wise to research different lenders and their offerings. Some banks may have special programs designed specifically for families buying homes together.

Refinancing Strategies for Your Family Home Purchase

If you’ve already purchased a home with your parents and are considering refinancing, there are several strategies you can explore. Mortgage refinancing can help lower your monthly payments or provide access to cash by tapping into the home’s equity.

Here are some options to consider:

Assume an Existing Mortgage

If one of your parents has a mortgage with favorable terms, you might consider assuming it. Keep in mind that there could be potential closing costs associated with this choice.

Understand Capital Gains Tax

If you plan to sell or transfer the property in the future, it’s essential to understand capital gains tax implications. Consulting a real estate expert can provide valuable insights based on the current market and real estate comps.

Government Assistance Programs for Homebuying in BC

There are many government assistance programs available that can help families buy homes in British Columbia. Financial assistance options include down payment assistance programs, which can ease some upfront costs when purchasing a house.

Programs like FHA loans and VA loans offer additional resources and benefits for eligible buyers. These federal programs often have lower interest rates and easier qualification criteria than regular mortgages.

To make the most of these opportunities, check local government websites or consult experts like Lillian Grant REALTOR, who can provide valuable information about these options during your home-buying process.

The BC Housing Market: Finding Affordable Housing for Parents

Finding affordable housing in British Columbia (BC) is tough, especially for families looking to help their parents. There’s often more demand for homes than there are homes available. This leads to higher prices and stiff competition.

So, it’s key to understand what’s happening in the market when thinking about options like elder care housing or multi-generational living.

Recently, family real estate sales and residential property investments have become more popular. These options cater to the needs of parents living with their children. Many families want to be close together while still having their own space.

Affordability is a big worry for many buyers. Luckily, there are programs and incentives out there that can help ease some of that financial stress.

Choosing the Right Neighborhood for Your Parents in BC

Picking the right neighborhood is super important when buying a home for your parents. Some key things to think about are:

Proximity to healthcare facilities

Community amenities

Access to public transportation

These factors play a big role in making sure your parents feel comfortable and safe in their new home.

Emotional ties also affect neighborhood choices. Families often look for areas where they feel a connection or have ties within the community. A supportive environment can greatly enhance quality of life and create strong family dynamics.

Co-owning a home with your parents can also bring extra benefits, not just financially but emotionally too. It helps strengthen family bonds while creating shared spaces for support and interaction.

Property Transfer & Ownership Options in BC

Knowing the different ownership transfer options is really important when dealing with real estate involving family members. Non-arm's length transactions—where people involved are related—need careful thought about legal issues and tax responsibilities.

A co-borrower mortgage allows several people to apply for financing together based on their combined incomes. This makes it easier to secure funding without one party feeling overwhelmed by payments.

Shared responsibility means all owners contribute fairly toward ongoing costs like maintenance or property taxes.

When transferring ownership of property between family members, it’s best to talk about financial obligations up front. This way, everyone knows what they're committing to as they move forward together.

Legal Considerations When Buying a House for Parents in BC

Buying a house for your parents in British Columbia brings some important legal points to think about. Family real estate transactions can be tricky, especially when they involve non-arm's length transactions, which means the buyers and sellers are related.

Here, we will cover several factors: elder law considerations, options for ownership transfer, co-owning arrangements, and the financial obligations that may come up.

Understanding Family Agreements

Family dynamics play a big part in real estate choices. Emotional factors can often affect decisions about property. To avoid confusion later on, clear communication is necessary.

Setting up a family support system can help manage potential disagreements about how the property will be used or who is responsible for what.

Having written agreements can help everyone understand their roles and expectations throughout the buying process.

Navigating Property Transfer Laws

In BC, knowing the property transfer laws is very important when you are buying a house for your parents. There is a property transfer tax (PTT) based on how much the property costs; you need to include this in your budget early on.

You should also think about capital gains tax implications if you ever sell the house later or if it’s part of an investment rather than just a family home.

Estate planning is also key here. Consulting with experts who focus on elder law can help guide you through important steps to protect your family’s interests during and after buying the home.

Organizing Details for a Smooth Home Purchase in BC

Staying organized is vital for a successful home purchase for your parents in British Columbia.

It helps to know every part of the home-buying process, including closing costs that may arise at various stages—from inspections to signing papers—and different mortgage options available depending on your situation.

A thorough home inspection is also crucial. It helps you catch any hidden problems before you make this significant financial and emotional commitment.

Steps to Prepare for the Purchase

If you're new to real estate transactions or returning after some time away, here are some useful tips:

Shared Responsibility Agreements: These documents clarify how shared costs like maintenance or renovations will be managed among co-owners.

Being aware of these details will improve communication between family members and give everyone clarity about shared responsibilities going forward.

Coordinating with Professionals

Getting help from professionals like financial advisors who specialize in family matters can make this whole process easier. They provide advice tailored specifically to joint purchases within families.

Also, understanding local market trends through comparative analysis (comps) can help ensure you get fair pricing during appraisals—this step is essential before finalizing any deal.

By covering these legal aspects thoroughly and organizing everything well, you're not only ensuring compliance but also keeping valuable family relationships intact as you work together toward securing housing stability.

Your Guide to Buying a House for Parents in BC: Lillian Grant REALTOR

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Buying a house for your parents can be a fulfilling task. It gives them a place to call home and ensures their comfort.

Yet, there are several factors to consider during this journey. This guide will help you understand the important steps involved in purchasing a house for your parents.

Tips from Lillian Grant REALTOR on Buying a Family Home in BC

If you're a first-time homebuyer looking to buy property for your parents, it's important to understand mortgage options.

Explore different financing methods, such as co-owning the home with them. Emotional factors are also important. Everyone should feel comfortable with the arrangement to keep family harmony intact.

Here are some helpful tips:

Discuss finances openly: Be clear about how much each person can contribute.

Look into shared responsibilities: Determine who will handle upkeep and bills.

Think about elder care housing: Consider locations that suit their needs.

Understanding the Process of Buying a House for Parents

The home buying process involves several essential steps:

Assess Needs: Think about what type of home your parents need. Is it an apartment, condo, or single-family house?

Financial Planning: Figure out how much you can afford. Look into financial assistance options like government programs or loans.

Search for Properties: Work with a knowledgeable realtor who understands non-arm's length transactions, where buyers and sellers know each other personally.

Make an Offer: When you find the right property, make an offer that reflects current market values while considering contingencies.

Knowing these steps can help make the purchase smoother when dealing with family.

Key Considerations When Working with Family Members

Working with family on real estate requires careful thought:

Open Communication: Discuss expectations around maintenance costs and property management.

Define Roles Clearly: Decide who will take charge of decisions like renovations.

Prepare Emotionally: Money issues can strain relationships. Talk through feelings early on.

Taking these measures fosters a supportive environment throughout the buying process.

Financing Options Available Through Lillian Grant REALTOR

When considering financing options for purchasing a home for your parents in British Columbia, keep these points in mind:

Equity Gifts: If you're giving money toward down payments from your savings or assets.

Down Payment Assistance Programs: Look into local programs that help families by reducing upfront costs.

Lillian Grant REALTOR can provide valuable insights into financing choices that fit unique situations, helping to maximize affordability without lowering quality.

Navigating the Real Estate Market with Expert Guidance

British Columbia's housing market has both chances and challenges:

Stay updated on trends affecting Vancouver and nearby areas; knowledgeable agents share insights about price changes impacting residential investments.

Collaborating with experts provides access not only to listings but also vital information about neighborhood growth that may affect resale value positively.

Understanding this complex landscape is important. Balancing financial concerns and emotional ties is crucial when looking to secure lasting solutions for families across generations!

Tax Implications of Buying a Home for Parents in British Columbia

When you think about buying a home for your parents in British Columbia, it's really important to know the tax implications. There are several financial obligations and possible benefits involved with family real estate transactions.

Understanding Property Taxes

In BC, property taxes depend on how much a property is worth. If you buy a home for your parents, consider how it will affect ownership and ongoing costs. Here are some key points to keep in mind:

Property Transfer Tax (PTT): This tax comes into play when you transfer ownership of real estate. If you or your parents are first-time buyers, there might be exemptions or reductions available under certain conditions.

Ongoing Property Taxes: After the purchase, homeowners must pay annual property taxes that vary by location and property type.

Homeownership options are also important. Choices like joint tenancy or life estates can change how property taxes impact your finances and your parents' finances.

Gift Tax Considerations

If you're helping your parents by gifting equity instead of buying the home outright, knowing about gift tax is essential. Canada doesn't have a specific gift tax, but transferring a large asset could lead to capital gains issues if its value increases.

For example:

If you help your parents with part of their down payment as a gift, keep proper records. This documentation clarifies whether it’s a true gift or if you expect returns on your investment.

Potential Deductions and Credits

Buying a home can offer chances for deductions and credits that ease financial strain:

First-Time Home Buyers' Program: If either you or your parents qualifies as first-time buyers under BC's program, substantial savings may come from rebates on PTT.

Down Payment Assistance Programs: Several programs aim to support families with initial costs while encouraging sustainable homeownership among BC residents.

These incentives help make the move easier while ensuring compliance with local tax laws.

Legacy Planning & Senior Living Considerations in BC

Planning ahead is key when purchasing homes within families. It ties directly into legacy aspects like estate planning, which ensures assets are handled as per one’s wishes after passing.

Additionally:

Explore elder care housing options if health concerns come up later.

Multi-generational living situations have unique perks but require careful thought about space sharing and responsibilities within families.

Long-Term Financial Planning for Families

Investing in residential properties can meet immediate needs while building long-term stability within family support systems:

Owning multiple properties can create different income streams.

Properties may grow in value over time, giving future generations more wealth without burdening them with heavy debt from today’s mortgages.

Understanding these factors helps families make informed decisions that benefit everyone throughout their lives—and beyond!

Preparing for Future Care Needs

As people age, caregiving often falls to family members who must manage emotional aspects alongside practical real estate matters:

Recognizing when extra help is needed allows for planning rather than waiting until emergencies arise.

Creating plans tailored to support aging loved ones fosters harmony among family members sharing spaces together during times of change.

Planning wisely now can make a big difference later.

FAQs

What Are Family Agreements in Real Estate?

Family agreements clarify roles and responsibilities when buying a house together. They help avoid misunderstandings about costs and maintenance.

How Do Emotional Factors Influence Buying a Home?

Emotional factors shape decisions in family real estate. Family members should discuss feelings about ownership, care, and future plans.

Can I Co-sign a Loan for My Parents?

Yes, you can co-sign a loan for your parents. This option may help them secure better mortgage terms based on your combined incomes.

What Is Mortgage Assumption?

Mortgage assumption allows someone to take over an existing mortgage. This option can be beneficial if the current loan has favorable terms.

Why Consult Financial Advisors for Families?

Financial advisors provide tailored advice for family purchases. They help navigate budgeting and identify suitable financing options.

What Are Generational Differences in Real Estate Purchasing?

Generational differences can affect priorities in home buying. Younger generations may prioritize sustainability, while older generations focus on location and comfort.

Who Handles Home Maintenance Responsibilities?

Clearly outline home maintenance responsibilities in your agreement. Assign tasks to ensure everyone contributes fairly to upkeep.

What Is Residential Property Investment?

Residential property investment involves purchasing homes to generate income or build equity over time. This strategy supports long-term financial goals.

How Do I Create a Family Support System?

A family support system strengthens relationships during the home buying process. Open communication about finances and responsibilities fosters unity.

What Is House Financing for Relatives?

House financing for relatives includes various strategies like equity gifts or shared mortgages. These methods make it easier to secure homes for family members.

Key Considerations When Buying a House for Parents

- Establish clear family agreements to define roles. - Discuss emotional factors openly before purchase. - Consider co-signing loans as a financial support option. - Explore mortgage assumptions to benefit from existing loans. - Consult financial advisors specialized in family situations. - Recognize generational differences impacting buying preferences. - Outline specific home maintenance responsibilities among owners. - Investigate residential property investment opportunities together. - Build a strong family support system throughout the process. - Use creative house financing options to assist relatives effectively.

For more post about home buying and selling tips click here.

#house for sale bc #home for sale bc #realtor bc #real estate agent bc #lillian grant realtor #Youtube

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estatedekho04 · 1 year ago

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open plots for sale in shadnagar hyderabad

Are you dreaming of owning a piece of land where you can build your dream home or perhaps make a wise investment? Look no further! Shadnagar, Hyderabad, is the place to be. With open plots for sale in Shadnagar, Hyderabad, becoming increasingly popular, it’s high time we delve into what makes this area a hotspot for real estate. Let’s embark on this journey with a pinch of humor, a touch of personal anecdotes, and plenty of useful information.

Why Shadnagar?

Strategic Location

Shadnagar is not just another dot on the map; it’s a burgeoning town with immense potential. Located about 50 kilometres from Hyderabad, it offers the perfect blend of urban convenience and rural tranquillity. Imagine living close enough to the city for work and entertainment, yet far enough to escape the honking horns and hustle-bustle. Sounds like a dream, right?

Connectivity

One of the biggest perks of Shadnagar is its excellent connectivity. The area is well-connected by road, rail, and even air. The Outer Ring Road (ORR) ensures you can zoom into Hyderabad in no time. The Shadnagar railway station, on the other hand, connects you to various parts of the country. And let’s not forget the Rajiv Gandhi International Airport, which is just a short drive away. So, whether you’re a globetrotter or a homebody, Shadnagar has got you covered.

The Allure of Open Plots

Flexibility and Freedom

Open plots in Shadnagar, Hyderabad, offer unmatched flexibility. Want to build a cozy cottage or a sprawling villa? The choice is yours. Unlike pre-constructed homes, open plots give you the freedom to design and build your dream abode exactly the way you envision it.

Investment Potential

Investing in open plots in Shadnagar is like planting a money tree. The area’s real estate market is on an upward trajectory, and property values are expected to rise significantly in the coming years. It’s like getting a front-row seat to a show where the ticket prices only go up!

Cost-Effective

Compared to buying a house, purchasing an open plot is often more cost-effective. You can take your time to save up and build your home gradually, avoiding the financial strain of a hefty home loan. Plus, no one can argue with the fact that buying land is one of the most stable investments one can make.

Types of Plots Available

Residential Plots

Residential plots in Shadnagar are perfect for those looking to build a home. These plots are usually located in well-planned layouts with access to essential amenities like water, electricity, and sewage systems. Whether you want a quiet nook or a bustling neighbourhood, you’ll find something that suits your taste.

Commercial Plots

If you’re more business-minded, commercial plots in Shadnagar offer great opportunities. Given the area’s rapid development, setting up a shop, office, or any commercial establishment here could be highly lucrative. Think of it as buying a golden goose!

Agricultural Plots

For the green thumbs and aspiring farmers, agricultural plots are also available. Shadnagar’s fertile soil and favorable climate make it ideal for farming. Who knows, you might just start the next organic farming trend in the area!

Things to Consider Before Buying a Plot

Legal Aspects

Before you get carried away with dreams of your new property, make sure all legal aspects are covered. Verify the land title, ensure there are no legal disputes, and check if the plot has all necessary approvals from local authorities. Trust me, you don’t want any surprises later.

Location and Surroundings

The plot’s location within Shadnagar is crucial. Proximity to schools, hospitals, shopping centers, and public transport can make a big difference in your daily life. Take a stroll around the neighborhood and see if it feels right. If you bump into a friendly neighbor who offers you tea, it’s probably a good sign!

Budget

Let’s face it, even the most beautiful plot won’t do you much good if it’s way out of your budget. Have a clear idea of how much you can afford and stick to it. Remember, it’s not just about buying the land; you’ll need funds to develop it too.

Making the Purchase: A Step-by-Step Guide

Step 1: Research

Start by doing thorough research on the available plots in Shadnagar. Online real estate portals, local brokers, and word-of-mouth recommendations are good places to begin.

Step 2: Site Visit

Once you’ve shortlisted a few plots, it’s time for a site visit. This is your chance to see the plot in person, get a feel for the area, and check out the surroundings. Bring along a friend or family member for a second opinion.

Step 3: Verify Documents

Ask the seller for all necessary documents, including the land title, sale deed, and any relevant approvals. It’s also wise to get a legal expert to verify these documents.

Step 4: Negotiate

Don’t shy away from negotiating the price. Remember, every penny saved here can be used for building your dream home. Be polite but firm in your negotiations.

Step 5: Finalize the Deal

Once you’re satisfied with everything, it’s time to finalize the deal. Ensure all paperwork is in order, make the payment, and get the sale deed registered in your name. Congratulations, you’re now a proud landowner in Shadnagar!

Conclusion: Your Dream Plot Awaits

Buying an open plot in Shadnagar, Hyderabad, is more than just a transaction; it’s the start of a new chapter in your life. With its strategic location, excellent connectivity, and diverse plot options, Shadnagar offers something for everyone. So why wait? Start your journey today and turn your dream of owning a piece of land into reality.

Remember, the best time to plant a tree was 20 years ago. The second-best time is now. Happy plotting!

Visit estatedekho.com for more information about Open Plots for Sale in Shadnagar Hyderabad Telangana. Estatedekho is an online platform that offers sellers, potential clients, buyers verified plots, and professional agents at service.

#open plots in shadnagar #plots for sale in shadnagar #plots in hyderabad #open plots

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thelistingteammiami · 1 year ago

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Is It Better To Rent Than Buy a Home Right Now?

You may have seen reports in the news recently saying it’s more affordable to rent right now than it is to buy a home. And while that may be true in some markets if you just look at typical monthly payments, there’s one thing that the numbers aren’t factoring in: and that’s home equity. Here’s a look at how big of an impact equity can have and why it’s worth considering as you make your decision.

What the Headlines Are Based on

The graph below uses national data on the median rental payment from Realtor.com and median mortgage payment from the National Association of Realtors (NAR) to compare the two options. As the graph shows, especially if you’re not looking for a lot of space, it can be more affordable on a monthly basis to rent:

But if you’re looking for something with 2 bedrooms, the gap between the median rent and the median mortgage payment starts to shrink to a difference that may be more doable. The median monthly mortgage payment is $2,040. The median monthly rent for 2 bedrooms is $1,889. That’s a difference of about $151 a month. But here’s what happens when you factor in equity too.

How Equity Changes the Game

If you rent, your monthly rental payments only go toward covering your housing costs and your landlord’s expenses. So other than saving a bit more per month and maybe getting your rental deposit back when you move, the money you spent on housing each month is gone – forever.

When you buy, your monthly mortgage payment pays for your shelter, but it also acts as an investment. That investment grows in the form of equity as you make your mortgage payment each month and chip away at what you owe on your home loan. Your equity gets an extra boost as home values climb – which they typically do.

To give you a clearer idea of how equity can really stack up fast, here’s some data for you. Each quarter, Fannie Mae and Pulsenomics publish the results of the Home Price Expectations Survey (HPES). It asks more than 100 economists, real estate professionals, and investment and market strategists what they think will happen with home prices. In the latest release, those experts say home prices are going to keep going up over the next five years.

Here's an example of how equity builds based on the projections from the HPES (see graph below):

Imagine you purchased a home for $400,000 at the start of this year. Chances are, since you bought, you plan to stay put for a while. Based on the HPES projections, if you live there for 5 years, you could end up gaining over $83,000 in household wealth as your home grows in value.

Here’s how that stacks up compared to renting, using the overall median rent from above:

While you may save a bit on your monthly payments if you rent right now, you’ll also miss out on gaining equity.

So, what’s the big takeaway? Whether it makes more sense to rent or buy is going to vary based on your personal finances. It’s not a good idea to buy if the numbers truly don’t work for you. But, if you’re ready and able, adding equity as the final puzzle piece may be enough to help you realize buying is a better move in the long run.

Bottom Line

When it comes down to it, buying a home gives you a benefit renting just can’t provide – and that’s the chance to gain equity. If you want to take advantage of long-term home price appreciation, let’s go over your options.

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deepinmummymatters · 2 years ago

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Tips for Finding the Perfect House for Your Budget

When shopping for a home, you want to be sure it suits your family. One thing that many people demand in a house is maximum storage capacity. However, the right house size isn’t necessarily about the amount of space you have. It is also about how you use your home and your plans. Read on for our tips on finding the perfect house for your budget. Don’t Buy Based on Emotions When shopping for a home, getting swept up in the excitement of looking at properties and going to open houses can be easy. But it’s important to remember that this is a significant financial decision. Before you start house hunting, you must set a budget and stick to it. First, determine your housing budget using a mortgage calculator to determine how much you can afford in terms of monthly payments (also known as “PITI”—principal, interest, taxes, and insurance). Next, decide what type of home is right for you based on your lifestyle. For example, if you don’t like yard work, consider living in a condo or townhouse instead of a single-family property. Finally, consider your family’s future needs regarding the number of bedrooms and bathrooms. It’s also essential to think about how secure your income is and factor in possible changes that may occur shortly, such as if one spouse plans on becoming a stay-at-home parent or if you plan on switching careers. This will help you create a savings strategy and help you avoid buying a home over your budget. The last thing you want is to be saddled with debt that could take years to pay off. Don’t Buy the Biggest House on the Block The home-buying process for a house for sale in Iowa Colony, TX, can be exciting and sometimes emotional. While visiting open houses and finding your dream home is a great feeling, it’s important to remember that you will need to make compromises to ensure that you end up with a house that works for your budget. Once you’ve figured out how much you can afford to spend on a house, you’ll need to figure out how many months it will take you to save enough money for a down payment. If you don’t have a lot of savings, consider contacting family and friends to see if they can help you with a down payment. As long as the amount is a gift and not a loan, this can be a great way to get into your first home without worrying about paying back the funds in the future. Another mistake you should avoid is choosing a house that is too big for your budget. While a spacious house may look fantastic on paper, it will likely cause you to spend more money on utilities and maintenance than you would with a smaller home. Additionally, large homes attract much interest from other buyers, resulting in bidding wars and a higher purchase price than you’d be comfortable with. Don’t Wait for the Perfect Time Homebuying is exciting, but being practical regarding your finances is also important. That means not making emotional decisions that could lead to costly mistakes. One of the biggest mistakes you can make is waiting for the perfect time to buy a house. The housing market constantly changes, and prices will not likely stay the same forever. Depending on the current state of the market, you may end up overpaying for a house if you wait too long. Another mistake to avoid is focusing too much on the features of a house. Getting caught up in dreaming about a spacious kitchen, luxurious bathtub, or beautiful yard is easy. But if those things aren’t important to you, it’s not worth spending your entire budget on a house just because of the fancy amenities. If you’re set on buying a big house, consider purchasing under-construction homes instead of moving into an existing property. These homes are usually more affordable than move-in-ready ones, and you’ll have the flexibility to change certain features after you’ve settled in. For example, if you’re looking for an open floor plan, but the home you want has a closed kitchen, consider switching it out later. You can always change the layout of a home after you’ve moved in, so don’t let minor flaws derail your plan. Don’t Overpay A home buyer will run into one of two experiences when house hunting. They will see homes they know for logical or rational reasons that they wouldn’t want to live in, or they will see homes they love at first sight. The latter is a problem because they will likely become emotionally involved and prone to paying more than they should. The key to avoiding overpaying is to remain as objective as possible throughout the entire process. It’s essential to evaluate the property and comparable sales and how much similar properties in the neighbourhood have recently sold for. It’s also a good idea to consult with your real estate agent before making an offer on a property and always ask them for advice on pricing. Whether shopping in person or online, it’s easy to get caught up in the fantasy of your future life in a new home. But it’s vital to remember that the home you buy isn’t just a place to sleep and cook meals; it’s also an investment. The perfect house comprises several things, from necessities (like enough bedrooms and a short commute) to nice-to-haves (like a jetted tub). Remembering this as you search for your dream home will help you decide which homes are worth the price. Read the full article

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mrpenguinpants · 4 years ago

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Genshin: Roommate HCs [V1]

To be honest, I just wanted to ramble some more and let my brainworms take over. This is sorta late but Happy Valentine’s everyone! I was gonna post this earlier but this honestly took me a long time to write so I moved it to today.

Once again, this is 90% crack 10% content. Seriously, as much as I love writing this non-serious fics. Why do you people like this?

—

Based off my ramblings with Keqing anon: Link

Genshin: Holding Hands [V1]

Genshin: When you’re cold [V1]

Genshin: University AU [V1]

Genshin: Royalty AU [V1]

[Masterlist]

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[taglist] <- if you want to be added, please read this first.

@youaskedfurret @diaxfeliz @wintergreen-aix @kaechu @thegayrubberducky @lovelykittycatmeow @yuunoagivesmelife @dokidokisama @rokipersonal@minakohasmanyhusbandos @strwbrry-lia @tigerpriestess @yuu-yuukurotsuki @hanniejji @mikeysbike @unionwitch @musekala @sunnshiii @stanzastic @akaasea @xoneaboveallx @adoring-ghost @asheseiler @childelover @dilucsz @dai-tsukki-desu @thicmitten @nonniechan @htnicayh @genshins1mpact

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Diluc

What? Diluc has a roommate? Did you blackmail him in living with you? Is that even possible? Did you throw yourself in front of his car because you needed someone to pay for your student loans and the easiest way was to file a lawsuit? In this economy no one would blame you. Diluc seems like such the self-isolated character that would murder his roommate in cold blood but in reality, he act’s detached from the world because he forgot how to socialize and he’s desperately trying to cover it up without choking. That or he’s trying to learn how to astral project. If he could drink away the pain he would but instead he buys 20 packs of grape Kool-Aid and injects it into his veins.

Does not and will not ever have a normal sleeping schedule. You’ll wake up to him working, come back home to him working, and will sleep to him still working. His daily dose of Vitamin D is from the brightness of his screen rather than the sun and he’s filter feeding at this point. It’s concerning. He’s going to crumble and he’s bringing the world down with him. Through the power of tax evasion. But as soon as he needs to walk out into society, he pulls movie magic and looks like perfection. It’s both physically and mentally disgusting.

He’s actually is a really nice roommate to have just so long as you give him space. Great cook and knows to clean up after himself. Though he does have crash and burn days where’s he’s completely out of commission. You could set the entire apartment on fire and he would sleep through it. The entire two weeks are dedicated to zombie eye marathons and then he’ll suddenly collapse and sleep for 46 hours straight. When he wakes up from his hibernation he’s the most groggy and nonsensical person. His life blood is coffee because you keep hiding the 5 hour energy away from him because, you know, life is enjoyable and those cancer bottles will actually kill him.

“University sucks our money out of our bodies faster than our will to live.”

Beidou [Happy Birthday Queen 💕]

Despite her appearance, she’s actually really strong and it scares the piss out of you when you’re doing something or scrolling through your phone mindlessly and you suddenly get your spine re-arranged when she slaps you on the back to ask what you’re doing. Likewise, when she hoists you up and throws you over her shoulder so you come with her on her 3am convivence store raids for alcohol. It’s either you change now or else we’re walking out of the apartment in your t-shirt and no pants self. She can and will carry you under her arm that way. It’s both incredibly attractive and horrifying at the same time.

She’s really friendly and a great talker if you’re alright with her “I must hold you in my arms, fresh prince of bel air style”. It doesn’t matter if you’re taller than her, she’s doing it. She does however, get in a bit of trouble from her rowdiness and you often get noise complaints but Beidou just passes them off to Ningguang and everything is fixed. She has ovaries of steel when neighbors rather confront her personally and she’s ready to 1v1 in the parking lot. You’re trying to desperately hold onto her shirt to stop her from pile driving your neighbors for the third time this week but she’s too strong.

She’s constant party until we die attitude and suffers the hangover in the morning. It’s actually really funny to catch her in her hangover moods because whatever filter Beidou had, which is none, is gone. She really takes “cursing like a sailor” or the next level and the amount of creativity she comes up with is actually impressive. She can be a bit messy but she’s really likeable and always down to go anywhere with you as long as you’ll do the same. It’s a very ride together, we die together situation. You’re my best friend, you’re dying with me. I’ll see you in hell.

“Imma T pose over my dad and then crash the car into the parking garage.”

Kaeya

Kaeya on the surface seems like such a chill roommate. And he is for the most part. But he’s such an ass. Your things are his things, no questions asked. If you just bought a really nice sweater or you had leftover food, that’s his now. He’s innocent until proven guilty even if he’s literally holding your lunch. The pure amount of bullshit he can spit out to convince you that no, he did not pull the fire alarm because he wanted an excuse for not going to work, puts him on Shakespeare level. He’s also very pretty, way too pretty, sir can you share some of your genes?

But aside from that, he’s actually super dependable. You forgot something at home? Sure, he has nothing better to do so he can bring them for you. We’re missing eggs? No problem, he’s just by the store. You’re 95% sure that he just wants to be cheeky and make you thank him for 20 minutes before he actually hands you what you asked for. It’s better for you if you never tell him anything you’re afraid of because Kaeya has no social cues, or more like he throws them out the window, and he’s probably a psychopath.

He’s incredibly private of his room and things despite his attitude towards yours. You’re convinced he either has a secret lab or that’s where he’s storing the bodies. I was the good guy but due to unfortunate circumstances, I need to stab a bitch. But he’s a really good serious talker for those 3am, because everything happens at 3am, talks about life and the meaning of the universe. It absolutely wrecks your sleep schedule but some of the things you talk about are the most crackhead things like what’s the lowest amount of money someone would have to pay you to walk outside without clothes? It’s a legitimate question.

“Never before have I been so offended with something I 100% agree with.”

Jean

Okay, what world did you save in a past life to live with his absolutely wonderful woman? Mother Teresa take a load off, take a seat. You have nothing to worry about. She’ll bring home little treats back home and it’s the most wholesome thing ever?? Is this what love and affection feels like? We’ve been starved for so long. She says it’s not a big deal and anyone would do it BUT THE MOMENT SOMEONE BUYS FOOD FOR YOU. IT’S A MAGICAL MOMENT. They are forever stuck in your will until proven otherwise. An absolute ray of sunshine that must be protected.

She does get super busy so you don’t often see each other or get to hang out as much. She’s a bit of a workaholic but a lot more easier to talk her into taking a break. She’s also a pretty decent cook but she prefers baking and jesus christ, girl can you calm down? Be still my beating heart, I’ve been smitten. Has mother hen vibes that you’re not sure if she’s your roommate or if she adopted you into her family. It’s time to start a petition for the Jean protection squad. Given the opportunity, I would aggressively hold your hand.

She’s always open to whatever you want to do. Any recommendations or things that you like she will try out at least once despite her busy schedule. She’s lowkey lonely because work consumes her so any time you want to hang out or do something together, she jumps on it like she’s feral. She get’s a bit shy to ask if she can join in on your plans because she doesn’t want to bother you or intrude no matter how many times you tell her that’s okay, she still get’s a bit iffy about it. Please save this girl before she trips. In your arms. Platonically. Just kidding haha. Unless?

“I can’t wait to see you happy and not hating everyone again haha.”

Childe

First impressions of Childe were great, until he opened his mouth and you realized how much of a two brain cell child(e) he was. He has two braincells because they constantly have to 1v1 in his brain. He’s lived with a lot of siblings so he has no social awareness or concept of privacy that you’re lucky if you come home and he’s half-dressed. It doesn’t matter if you’re 2 weeks older than him, he’s going to call you 82 years old and why your bones aren’t being fossilized at this point. He’s such a little shit, this fucker licks the yogurt lid peel.

He get’s really restless when he’s stuck under house arrest, because apparently 1v1ing in the parking lot of a Wendy’s is illegal for some reason, so he makes dying whale noises until he get’s to go outside again. But he’s actually a really wholesome guy, probably because of his younger siblings, that he’ll sometimes get you something because you seemed down and it’s such whiplash? Who is this man and where did he come from? You’re starting to have a change of heart before he tells you that he got banned from the library for accidently punching the school’s computer. How you “accidently” punch something you have no idea but Childe always comes home with some sort of injury. Maybe he’s just incredibly clumsy. For your sanity, you’re going to go with that.

He’s actually so uncultured that it’s crippling. You can’t blame him too much considering his upbringing and it’s great that he’s so interested in learning new things but...child no...It makes you want to take your spine out of your ass and rip it like a Beyblade. Watching him take chopsticks and stab his food like it’s marshmallows makes you want to fall into a blackhole and let the chair consume you.

“I, too, fantasize about beating the living shit out of people.”

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Is this another tag yourself game cause I resonate with Diluc. I’m crying in insomnia. As much as I enjoy writing these fics I absolutely hate tagging them. I remember I used to have a tag anon but that was back when I wrote for bnha.

Valentine’s Day was fun tho. I had a drinking game with friends as we played league then ended it off with a movie night.

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thecluelessplumbob · 2 years ago

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Week #1, Month of Frigging White Cold

So, I'm writing this diary because I want to read it in the future and say, 'Look at all the things I surpassed till now.' This story starts with a question. Do you know who the luckiest and luckless person is in this world? Yep! Me! Lucy Austin. I received a phone call, a long-distance family member who I didn't (and still don't) recall had passed away, and I was his only living heir. Crazy, don't you think so? I should have suspected something… I paid the lawyer a lot of money to get the inheritance (taxes and more), but I still got 8.000 left to pay. I'm working on it, it's a lot of money, but I arrived at my new home with nothing except my clothes. Oh wait, did I say 'my new home'? Let me rephrase it. The lot I have inherited is big. It's huge, takes up the entire view of the cliff, and… it's empty. Really empty. Nothing is built there, neither a house nor four filthy walls. It's a big, gigantic, empty space. Except for a few trees. And being on the top of the cliff and being the Month of Frigging White Cold, it's an extremely cold place. There were two blizzards this week diary, two FUCKING blizzards. Luckily, I'm a resourceful woman who's not afraid of working hard. There's a big beach down the road, so I'm going to the shore once a day to check if the sea has brought something. Then, I sell it. I've been selling a lot of fossils to the local museum, actually.

Also, I'm doing I'm also doing some odd jobs, from cleaning up trash on the beach to being a cocktail shaker at a party. Little by little, I'm making some money, and I've been able to put up four walls in this huge lot.

I've made it start to look like a lot. Twice a week, I take the bus to Evergreen Harbor to recycle the garbage and rummaging through the bins (which I am not very proud of).

It's something that ashamed me, but you know? I have found quite a bit of furniture that I have been able to repair for use at home. At the moment: a bed, a sink, and a toilet. So I only paid for the lights and the kitchen. In a way… I'm saving money, aren't I?

This Saturday I went to the Henford-on-Bagley fair. I took the opportunity to sell the cat grass that grows along the beach and buy some seeds. Between the profits from the beach and that, I've bought a couple of plots of land, a bee hive, and… Drum roll (I'm so excited)… A kit to make my own candles.

The beginning of my career as a maker. And with my own bee wax. Today I have already put some for sale on Plopsy, hope to sell them soon.

I'm going to be optimistic. I am achiving things. Maybe, next week can I get a shower… Or a bathtub? I will need to shower before paying the rest of the loan.

#sims 4 legacy #sims 4 challenge #sims 4 #ts4 #coinfliplegacy #legacy challenge #ts4 story #ts4 legacy #Austin Family Legacy

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luci-in-trenchcoats · 4 years ago

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By Your Doorstep (Part 1)

Summary: When the reader is looking for her teenage sister’s service dog one day, she runs into Dean Winchester who thankfully saw him run past. When she arrives, her sister is fine aside from a sprained ankle but Dean’s decided to follow along and help get her sister home...

Pairing: Doctor/Neighbor!Dean x reader

Masterlist

Word Count: 3,200ish

Warnings: language, minor injury, mention of car accident/death

A/N: Parts of this series are told from two different POV’s. Dean’s POV are written from limited third person. Reader’s POV are second person (like a typical reader insert). Please enjoy this first part! …

_________

“Toast! Toast!” you shouted as you ran down a street. “Toast boy!”

“Uh, you okay?” said a guy walking on the other side of the street. He was raising an eyebrow and you shook your head.

“Toast is a dog,” you said.

“Oh, gotcha. I thought you were nuts for a minute,” he chuckled.

“You haven’t seen a german shepard around have you?” you asked.

“I saw one run down the block a few minutes ago,” he said. You looked the direction he pointed and you started sprinting. “Hey!”

“Sorry! Can’t talk!” you shouted back. You ran down the block and across the street over to the park. You ran over to the basketball court and saw Toast there next to Tessa. She was sat up and holding onto his vest when you jogged over to her. “Tess. Are you okay? Did you have a seizure?”

“No,” she said with a laugh. She was holding her ankle and you saw the swelling. “I think I broke it playing. My phone’s over in my bag. I told Toast to get it but I guess he ran home and got you instead.”

“He barged in through the doggy door, I thought he was just nuts at first,” you said. You heard footsteps behind you and the man from the street was there panting.

“You found your dog,” he said as he caught his breath.

“Yeah,” you said, the man wincing when he saw Tessa’s ankle. “We’re all set.”

“She needs a doctor,” he said.

“Tessa, you okay here while I run home to get my car?” you asked.

“Yeah I’m fine,” she said. “Toast’ll stay.”

“I can carry her,” said the man. You both stared at him and he shrugged. “Save you a trip.”

“Are you some kind of weirdo?” you asked.

“Says the woman running through the neighborhood shouting Toast,” he smiled back.

“Alright. Tess if you’re cool with it…” you said, the man nodding.

“Dean Winchester.”

“Dean will carry you back to the house and I’ll drive you to urgent care,” you said. “If you do try anything though Dean, Toast will rip your face and junk off, just to be clear.”

“Got the message,” he said. Tessa climbed on his back and he was careful of her ankle while you grabbed her bag. You walked with Toast by Dean’s side back the few blocks towards home. “I think it’s just a sprain actually. I wouldn’t worry too much.”

“You play basketball?” you asked.

“No. I’m a doctor is all. First glance it doesn’t look too bad.”

“Are you single? Y/N’s single,” she said.

“You’re a little shit, Tessa,” you said. Dean chuckled and Toast bumped his leg. “He wants you to get on the sidewalk.”

“Will do,” he said, Toast giving some space once he’d stepped up off the road. “He’s very intelligent.”

“We’ve only had Toast two years but he’s been very good with us,” you said. “He’s Tessa’s. I just feed him and pick up his poop.”

“I have school, loser.”

“I have work, loser,” you said.

“You guys must be sisters,” he said. “I’m a big brother. I would know.”

“If your younger brother is single and half as good looking-”

“Keep it in your pants, Tess,” you said.

“I like you two,” he chuckled. “Sorry Tessa but he’s probably a little too old for you.”

“They always are,” she sighed.

“You’re seventeen. You’re fine,” you said. “Besides college has way more attractive guys and stuff.”

“Oh yeah, Elmdale community college. Known for it’s hotties,” she mumbled.

“Elmdale University has some good choices,” you said.

“I thought it was too expensive,” she said.

“Well I was gonna tell you this at dinner but I applied for a different job awhile ago. I heard back this morning. I accepted. It’s double what I was making before.”

“Really?”

“Yes. With your grades you can get a half-ride and I figure between inheritance and my new salary, you can do your four year out of the gate without loans,” you said.

“Thanks, Y/N,” she said quietly. “Really.”

“You still need your part-time job if you want to get stuff for yourself though. I’m sorry. I can’t make it work if-”

“S’okay,” she said. “I can’t believe I can go to the university.”

“I called up the school earlier and talked to your guidance counselor. We gotta work on your application but we can make it work,” you said.

“Can I get a car? I know I can’t afford room and board but maybe I can get something used so you don’t have to drive me all the time?” she asked.

“Tessa…” you sighed. You knew you couldn’t afford insurance on two cars at the moment and everything else and she wouldn’t make enough part time to cover all the car expenses herself. “I-”

“I can pick up more shifts,” she said.

“Tessa, I want you to enjoy college. I sure did. I’ll give you rides whenever you want. I’ll drop you off in the morning and pick you up at night. That would work, right?”

“Yeah,” she said. “I don’t even care about my ankle. I can get my art degree!” she said.

“Tessa.”

“I’m joking,” she laughed. “Art minor?”

“You can minor in whatever you like but please for my sanity major in something you can get a job in?” you asked.

“Yeah, yeah,” she said. You rounded a corner and started to walk up a driveway, Dean setting Tessa down in the passenger seat of your car. You opened the back and Toast jumped in, Dean smiling when you shut both the doors.

“Thanks,” you said. “For helping us out.”

“Sounds like you two know how to solve problems on your own,” he said. “Happy to help. Here.”

He dug in his back pocket and pulled out a card.

“If you ever need a doctor, I’m two blocks over,” he said. “Or just to talk.”

“Thanks,” you said. “I’ll see you around, Dean.”

It was around nine when you were sitting on the front porch with a glass of whiskey in your hand. You drank slowly, eyes catching a man in a baseball cap and reflective shirt jogging by.

“Do you always run at night?” you called, Dean stopping at your front walkway. “Cause I never see you run at night and I sit out here a lot.”

“Whew well let’s stop that charade cause running is so not my thing,” he said. He breathed hard for a moment as he walked up the steps. You nodded to the other chair and poured him a glass, Dean drinking it down. “Your sister okay?”

“Yeah. Just a sprain,” you said. “Still gotta pay the deductible for the x-ray though.”

“How old are you?”

“How old are you?” you asked.

“Thirty one,” he said.

“Twenty eight.”

“Where are your folks?” he asked.

“They and Tessa were in an accident two years ago. It’s just us two now.”

“I’m sorry.”

“It’s okay. I’m slowly getting used to be a guardian,” you said.

“I raised my little brother. My parents are still around but they fought a lot. I get becoming the parent when you’re not ready.”

“Do you ever get to just be a sibling again?” you asked.

“Yes. But they have to grow up first and you got a few more years ahead of you before it happens,” he said.

“I figured.”

“What does she have? Toast is a service dog I saw.”

“She gets seizures sometimes. It’s from the accident. She hasn’t had one in seven months. Fingers crossed we got her on the right mix of meds finally,” you said.

“So who takes care of you?”

“My buddy Jack Daniels. Sometimes I hang out Jim Bean too.”

“I’m partial to Johnny Walker,” smiled Dean.

“Very nice. I don’t drink much. Too tired most of the time,” you said.

“So nobody takes care of you then.”

“Who takes care of you?”

“Good point,” he said. “But I didn’t have it this rough.”

“We’re getting by. We always do.”

“I have no doubt that you can,” he said. “Take care of yourself every once in a while is all.”

“When she’s done with school I will.”

“She’s got five years left. You won’t last that long,” he said.

“Watch me.”

“Who worked on your sister at the urgent care tonight?”

“Dr. Novak. Why?”

“Cas is a good friend. I’ll see about getting that x-ray test off the bill,” he said as he stood up.

“Dean, you don’t have to do that.”

“It’s no trouble,” he said, heading down the steps. “You want me to leave you alone from now on?”

“...No.”

“You want to go on a date tomorrow?”

“Okay,” you said.

“I’ll pick you up at noon? I’m buying. Nothing too fancy,” he said.

“Okay,” you said. He smiled and nodded, spinning around and sliding right off the last two steps to his bottom. You rushed down them and he groaned, shaking his head. “Are you okay?”

“Yup,” he said, grunting as he stood. “Oh my ass hurts.”

“That’s what she said,” you said, Dean laughing.

“I definitely like you,” he said as you helped him take a few steps. “I’m alright. I’ll swing by tomorrow then.”

“Bye Dean,” you said.

“Bye Dean!” called Tessa from her bedroom window upstairs.

“Oh my God, go to bed!” you shouted back.

“It’s nine and I’m not twelve,” she said.

“Goodnight ladies,” chuckled Dean, waving as he headed back down the path. You gathered up the bottle and glasses, bringing them inside and locking up for the night. A few minutes later you were upstairs in Tessa’s room, frowning as she giggled while looking through her phone.

“Oh come on,” she said as she rolled her eyes at you. “He’s cute, he’s a doctor, he’s single and he’s a dork that just fell on his butt in front of you cause he’s so nervous and trying to play it cool. Like what is wrong with him?”

“Nothing. We have a date tomorrow,” you said, leaning against the doorframe.

“We used to talk about guys,” she said.

“I know,” you said. You picked at the wood, Tessa putting her phone down.

“Y/N. You’re not my mom. I know you gotta act like her sometimes but you’re not. Mom and dad would want you to go on dates and stuff. I haven’t seen you do anything fun in years.”

“I barely knew how to be an adult for just me,” you said. “You’re my priority now.”

“I’m not in a hospital bed anymore. My seizures are under control and I got Toast to watch out for me just in case. Dean had a point. You gotta take care of yourself,” she said. “Including me going to community college.”

“Tessa-”

“It’s both our inheritance and you can’t spend all of it on me. I can do two years at community and transfer to the university after.”

“Tess. You don’t have to do that. I did the math and it’ll work out.”

“When’s the last time you bought something for yourself? Seriously when?”

“I bought a new bedspread two weeks ago.”

“You needed one. That doesn’t count. When-”

“Before mom and dad died, Tess. Is that what you want me to say? They made good money but you had medical bills. Do I want a new winter coat? Sure. Do I want to splurge and by myself a nice pair of leggings? Of course. I want things. But I want us to stay in this house. I don’t want us to get shoved in a tiny apartment. I want you to be able to go to college like I did and not worry about this crap. I’m the grown up, not you. I choose how to spend the money.”

“Fine,” she said. She grabbed the crutch by her bed and got up, going to her dresser. She opened her jewelry box and grabbed a wad of cash, holding it out to you. “It’s three hundred. I want you to have it.”

“Tessa, no.”

“I earned it. I get to choose how to spend it,” she said. “You’ve always told me that. Buy a coat and leggings and whatever else you want.”

“Tessa. It’s yours. You were saving up to buy an iphone.”

“I don’t need a fucking phone. I need my sister to stop looking like she cries herself to sleep every night. Just take it,” she said. You shook your head and she shoved the money in your hand. “Y/N, take it.”

“Alright,” you said.

“Good.” She waited a beat before pulling you into a hug. “I love you.”

“I love you too,” you said. “You got plans tomorrow night?”

“I was gonna sleepover Hailey’s house if that’s okay?” she said.

“Yeah. You guys have fun,” you said. “Just be careful on your ankle.”

“Duh,” she said. “Do you want to watch a movie or something?”

“I’m kinda beat. Sunday for sure?” you said.

“Okay. Night,” she said.

“Night, Tess,” you said. You went next door to your room, opening your desk drawer and opening the envelope inside. You counted the money she’d given you and added it to the front. You definitely had enough for her phone now and her birthday was only a few weeks away. You smiled and put it away, writing out a few bills before you gathered up your pajamas and walked down the hall to the bathroom. You kept going though, down to the shut door. You pushed it open, the room cold and dark. You flipped on a light, a coating of dust on everything again.

“Y/N?” said Tessa from the other end of the hall. You turned off the light and shut the door, Tessa by the bathroom when you walked back. “You okay?”

“Yeah. I’m gonna shower quick before bed. Shout if you need something.”

“Yeah. Night.”

Dean POV

“Hey, Sammy,” said Dean after he’d gotten out of the shower and was laying in bed.

“Hey, Dean. What’s up?” asked Sam on the other end of the phone.

“I think I just went full on weirdo on this girl I met today.”

“Well that’s obvious but what’d you do? You didn’t like stalk her or anything.”

“She lives in the neighborhood. I kinda went jogging past her house tonight and she was sat on the front porch.”

“Okay that’s kinda creepy,” said Sam. Dean ran his hand over his face and sighed. “Did you talk to her?”

“Yeah. I don’t think I gave off creeper vibes but she might have just been polite. I don’t know. We’re going out tomorrow,” said Dean. He was quiet as he shut his eyes. “Which sucks cause I really like her too. I hope she doesn’t think I��m weird.”

“Maybe she’ll have pity on you and let it slide. Where’d you meet her? I thought you swore off women after your last hookup went bad,” he said. Dean didn’t speak and ran his hand over his face again. “De I know something happened that night.”

“Sammy I got tired of hooking up. I’m too old for it. I just want a girl to go home to at the end of the day and laugh with. That’s all there is to it,” said Dean.

“Dean I was still living with you at the time. You were off for days. I know-”

“If you’re gonna bring this shit up again-”

“I’m just saying it’s nice to hear you excited about a girl again...and you can tell me anything. Anything, Dean. I’m not a kid anymore.”

“You’re twenty seven. You’re a kid,” said Dean. He rolled over on the bed and lay on his stomach, putting his hands under his chin. “Some things I just don’t tell you about, Sam.”

“Dean, I asked you to stop raising me awhile ago. You’re not my father anymore.”

“I still gotta protect you from stuff,” said Dean with a shrug.

“I get that. But my mind has gone to the worst case scenario on this more than once. Just promise it wasn’t that,” said Sam.

“Sammy, I called to talk about a girl.”

“You want things to work out with her? Then figure out whatever the hell happened in the past so it doesn’t happen again.”

“You don’t understand,” said Dean.

“Whatever. Just crack a joke next time you see her,” said Sam. He hung up and Dean looked at his phone, sighing before he jammed his face in the bed. He gripped the sheets tight and felt his heart rate pick up, bile rising up in the back of his throat.

“Stop. It,” he said to himself, forcing himself to sit up. He wiped off his eye and dropped his head to his chest. “It’s just a fucking girl. It’s just a girl, it’s just a date. It’s all it is.”

He saw his phone light up and Sam’s name appear. He swiped and put it on speaker before he faced away from it.

“I’m sorry,” said Sam.

“It’s okay,” said Dean, freezing when he sniffled. He stared at the phone and Sam cleared his throat.

“You alright?” Dean stared at the phone and shook his head. “De, you there?”

“Are you alone?” he asked.

“Yes…” said Sam. “It’s just me.”

“You repeat a word of this to anybody or you laugh or you tease me or-”

“Hey. I’d rather we not have this conversation over the phone. I can be there in an hour.”

“...Fine but you better bring some pie with you.”

“I’ll see you in an hour, Dean.”

______

A/N: Read Part 2 here!

#spn #supernatural #dean x reader #dean winchester #doctor!dean #au!dean x reader #dean x #spn reader insert #supernatural reader insert #doctor!dean x reader

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silverbyuls · 4 years ago

Photo

( lee hyeri, cis female, muse i ) oh snap! is that SHIN EUNBYUL they work over at high volume where some of the other employees have labeled them as THE AVERAGE JOE. that’s probably because they can be a bit ( optimistic. ) but also pretty ( dishonest. ) they’re TWENTY TWO and they’ve been living in woodstock for TWENTY TWO YEARS. it must be their shift because i totally hear THE CRANBERRIES blasting from the record store. ( a little tikes piggy bank tucked under the bed, clothing label sticking out from the back, snap clips with varnish peeling off, jelly shoes with the strap taped together, leaving lisa frank stickers along record crates ) @volumeupdates

BIO

the luke hemsworth of the family but middle child

goes by byul

tried to go by ‘e.b.’ but her mum went berserk because she’d reduced her name to two letters for the ease of her yt friends and her brother bullied her for being e.t’s ugly sister so now she tries to go by silver star (her name translated into english) but it doesn’t quite stick

claims that her older sister and younger brother stole all her beauty, brain cells and height

family invested everything into older sister so she could go to college in new york: savings, loans, moved to smaller house which is even further from the town centre

brother requires all attention as he has high hopes of getting into college on a baseball scholarship and she lowkey can’t wait until he’s far away from woodstock

her grades have always been average so no one expects her to leave – her parents talk about how nice it is that she’ll be with them forever but she knows that’s because they want her to take care of them when they’re old … which she would! if they didn’t live in woodstock

she tells them she’s going to move to california, but they think she’s as serious about that as she is about wanting to go to college, or becoming supermodel of the world, or an olympic swimmer, when she has average grades, of average height, and can’t even swim

if her life was a movie, she’d have fallen asleep in the first ten minutes – it has always been so boring and uneventful, so she lives up in her head with her fake scenarios to keep things interesting – most of the time, they’re taken straight from a book or magazine

sometimes these thoughts spill over into reality because she can’t fathom the idea of people realising she’s as plain as she is, and her little white lies give her a bit of sparkle to stand out (in her opinion)

but she will get to california!

she even has a plan:

she’s been working at freddy’s diner since she was fifteen, escaping to high volume whenever she can, a place where she can pop her headphones on during her breaks and pretend she’s getting ogled at on venice beach, but she’s terrible at saving so seven years later she’s still grinding

once she graduates high school, she has enough time for a second job and she’d dropped enough hints in front of jerry for him to kindly offer her a job. after all, she spends as much time in high volume as she does at freddy’s so there’s not much of a difference once she becomes an employee -- still floating around the place, sipping on her coke can, either people watching or people chasing -- except now she has access to the register

after a big argument with her parents, she ended up moving out into a place in the middle of town. that was never part of the plan because saving was easier when she lived at home. she’ll say things got really bad but really, she was just getting closer to her target and she wanted a valid reason to put it off for a bit longer

she was only supposed to do it once – stealing from the cash register. it was just right there, no one was around, and she thought it was going to be her last shift because jerry was angry at her for being late again (granted, he hadn’t actually been mad, but it was one of those days when everything felt personal)

besides, she’d overheard a group of girls she’d idolised in school talk about how they stole some underwear and they made it sound so cool

she felt like everyone could hear her heart thumping against her chest as she walked out of the store but the day after, no one said anything about it, no one even noticed, and she wasn’t fired. so she did it again, and again, and again, and eventually she didn’t even bat an eyelid

the extra money was supposed to help her reach her goal faster but, again, she’s terrible at saving and her parents are so hardworking, she can’t help but feel guilty and buy nice things for them every once in a while and when they ask where she got the money from, she lies and says jerry gave her a bonus for being a good employee

on the other hand, if they’ve had an argument, or they’ve forgotten about her again, she’ll have a full on les-mis-i-dreamed-a-dream episode then splurge out on a cute jacket because it’s hers and it’s new! rather than worn out hand-me-downs from her sister or brother!

started her own side hustle called the separation agency – inspired after a customer at high volume asked her to help him break up with his boyfriend. so she’s the messenger for people who have things to say but don’t have the balls to say it to someone’s face themselves. usually they’re horrible messages, like break ups. she’s had like three customers and tries to promote her side hustle whilst on her shift at high volume

she thinks her “business” could actually thrive in a bigger city which is just another reason why she needs to get out of woodstock – it’s holding her back!

anyway, jerry’s missing, which is perfect for her because she gets to come in late and not get told off, and maybe steal a little more than she usually does

PERSONALITY:

when she’s around people, she seems like an extrovert: bubbly, talkative, dramatic ... which uses up a lot of her energy and her social battery is weak, so needs her own space often, and likes doing nothing by herself so sometimes she’ll lie to get out of plans or bail last minute

she has big dreams, and talks about all her big plans, but has leaving anxiety which is why she’s shit at saving and makes up excuses as to why she can’t leave just yet

has main character syndrome -- likes to live her life as a romcom, most of her lies revolve around her love life because she wants to be seen as desirable, but also will overanalyse everything

sensitive, passionate, immature, sympathetic, fickle, clumsy, dramatic, caring, head in clouds

will pretend to knows things to fit in like ~hipster~ bands or anything really, depends on the crowd

could gladly spend all day talking to customers at work then the next day she’ll prefer to day dream in the storage room

rides a bike to and from work and almost everywhere else too -- the only one out of her siblings who had to bike to school because small car and siblings took up all the space -- she’s had the same bike since high school

loves spice girls but feels like she’ll be judged so keeps quiet and plays it when she’s closing

honestly could hate you one day and have a crush on you the next but you wouldn’t even know it -- a vicious cycle

collects stickers and leaves them everywhere and on everyone - often passive aggressive through them, basically uses them like emojis

will try to order food and get others to pay for it - especially kfc, never gets to eat the drumsticks at home so will honestly cry if people steal the drumsticks from her

buys lottery tickets and scratch cards because she has a 50/50 chance of winning

WANTED CONNECTIONS: (current connections)

start up: stolen str8 from a kdrama that ruined my life hehe her parents set her up with a pen pal to keep her busy out of guilt because they’re so busy with her siblings and work and obviously she romanticises it !!! her parents would’ve asked to lie a little bit, just so she’d be writing to someone she’d easily obsess over -- love island vc: someone who ticks all the boxes

xoxo gossip girl: someone who loves a good gossip sesh -- they probably send 👀 at each other across the store when things feel a bit tense, which is code for ‘meet me in the storage room’ so they can chat away for the rest of their shift

lunch stealer: she makes her own lunch every day and is extremely protective over it but one day it went missing and she knows it was them (maybe it was, maybe it wasn’t) so now they are her sworn enemy

sister’s/brother’s friend: therefore an automatic enemy

shut up: someone who just tells her to shut up because she chats so much shit and she’s insane - just sandra x dina vibes from superstore (x)

carpool karaoke: she hates cycling in when it’s raining, so either she’s trying to get them to be her designated driver or has already succeeded and is annoying about it

crush #1: someone she has a crush on (more of an infatuation) and they’re not interested in her in the slightest but in her head they’re giving her mixed signals and she has made up a fake boyfriend to try to make them jealous

crush #2: someone she thinks has a crush on her. either because they’re nice or tease her or just mean, it doesn’t matter, she’s insane so she’ll interpret it however she wants

ex: they never broke up, or even dated, but she thinks something almost happened between them and she thinks she cut things off by giving them space

separation agency: someone who once used the agency either out of the kindness of their heart or for a different reason entirely and now she won’t stop pestering them to try and get them to use it again

no thots just vibes: i just like this gifset tbh (x) and we can brainstorm !

#volumeintro #*releases into the wild*

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martian-martian-martian · 3 years ago

Note

What’s your hyperspecific headcanon about Lucas that you’ll die defending? I’m curious!

Oh my gosh! Well we’ve been so blessed with Lucas On The Line, which I need to get my hands on. I ESPECIALLY admire how it tackles his experiences as a black child in a majority white state.

But I have a few thoughts about him that warm my heart!

Low Tier - Basic Headcanons:

- Lucas may have been a boy scout for some time! Ultimately not a good fit, for a multitude of reasons, (the real life BSOA kind-of suck) but he learned a lot of survival skills, and I think he has a huge obsession with survivalism. He can tie knots and sail a sailboat and start fires lots of different ways in the backyard!

-Related, but Lucas is as big into local plants and bugs as Dustin is into animals. Lucas knows all the loval flora and fauna in hawkins and keeps arguing for foraging. He’d be the kid trying to get everyone to eat a dandelion leaf while camping because “it’s edible go on try it!”

- Lucas and Eddie (imo) both have a father who was in the military.

-Lucas has a really big extended family and they are always home for every single holiday and the house is packed. They all have enormous board game nights.

Hyperspecific Niche Headcanons:

-With his mother’s teaching, Lucas can quilt AND sew serviceably.

-Lucas did karate for a little bit at the school Murray currently attends. Lucas passed the kid’s black belt level and gave it up for something else, but they were like ships in the night.

-Semi-canon but Lucas has the most hustle out of all the kids, he does townwide tasks and summer jobs to save money, and he is occasionally the ‘bank’ when people forget their cash for the arcade, although he charges interest on loans and keeps a STRICT tally in a notebook.

-On a related note, this makes Lucas an absolute beast on valentines day. Max had her candy gram arrive in the MIDDLE of class alongside a HUGE teddy bear and a GIANT RED BALLOON she had to carry the REST of the day. She says she hates it but Lucas knows she’s had a hard life and loves to buy her things to make her feel special and worth it. Max keeps the balloon in her room until it’s shrivelled up and deflated.

-This also translates over to D&D, Lucas’s first actions are always to protect Max in combat, but it’s more than that. He will make a big show of saying he is purchasing her drink at the tavern, and “are there flowers in this field? I pick a bouqet for Lady Maxine” and yes it IS a slightly competitive thing to make Mike feel like a piece of garbage to the point where Lucas and Max are locked in a constant battle of gratuitous fictional displays of affection to the point where Eddie has to draw the line after Mike drops 30 platinum on a sending stone for his “girlfriend in the next village” and Lucas says he wants to dual class in cleric and make Max his paladin diety.

-When he’s not roleplaying constant loyal romance, Lucas’s main tactic is preparing spells and taking the Ready action. He ACTUALLY USES ball bearings and caltrops. As a ranger (and later ranger cleric) he has a falcon animal companion named Rambo.

- Lucas’s bike is the most tricked out, and for Christmas one year he gets that attachment from the 60s and 70s infomercials with its own key like a car that makes it sound like a MOTORCYCLE and he uses it 24/7 until the batteries die out.

-Mike takes notes in D&D because he’s a goody two shoes. LUCAS takes notes to fuck with the DM and ask about shit he knows full well Eddie won’t remember. Sometimes he can get away with lying too, though he relents good naturedly if caught.

-All the actors are broadway stars so I have to say, if Dustin can sing, Lucas can sing AND dance— but he ALSO has the best sense of humor. Seconded by Will, who is unmatched for dry wit, but Lucas has a genuinely keen sense of what is funny. Especially at the D&D table, he’ll play the long game and then pull out a gag item everyone forgot about and have Eddie on the FLOOR because he forgot he gave them the ‘Stick Of Explode Horse’.

-Lucas (and Erica) are the best at insults. You will not survive.

BONUS:

This is half a headcanon half just an opinion but I think Lucas and Steve have a lot more in common than the show really displays. Both play basketball and bridge the gap between superficial jock popularity and making real friends. I think Steve and Lucas could REALLy bond over sports but ALSO about being fierce protectors over the ones they love. Steve and Lucas are both big fighters and BIG lovers and they deserve to relate to eachother! Related to the above, Steve gives Lucas his OWN varsity jacket from Hawkins High as a graduation present.

and FINALLY.

till the DAY I DIE.

LUCAS. IS. THE. HEART.

#lucas sinclair #stranger things

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softboywriting · 5 years ago

Text

Haven Port | Chapter Seven| Shawn Mendes

Summary: Shawn and his pack have moved to your tiny town of Haven Port. You’ve never met werewolves other than your dad before and you’re infinitely curious. You may be only half werewolf but you and Shawn have a connection that will send you on a wild romantic journey in this small town you call home. [hybrid reader] [werewolf shawn]

Word Count: 1.8k

|Masterlist In Bio|

Since the founding festival things have been going smoothly. The weather has eased up, the snow is starting to melt. Haven Port is beginning to see the first signs of spring, and with spring comes the ships. Triple the number of ships that you see in the winter months to be more accurate. More boats means more business for the shop.

Tia suggests making the shop a cafe a few weeks after the festival. She knows how to get permits and she is willing to help you run it. The only issue is money. You've got a little bit in savings but you're not too keen on taking out a loan from one of the banks in the city. Tia has savings too and she is willing to go in with you but ultimately it's your call. Making the shop a cafe will be a big undertaking and a huge change from just using and buying dry goods. You're going to think about it and sort out everything that will need to be planned.

It's a Monday morning and you head down to the docks to take Shawn some lunch. He's been working overtime since the weather has gotten nicer. You know he's been putting everything extra into savings but you don't know why. You hope he isn't doing it to help you make the shop into a cafe, you told him you wouldn't accept his help on it and the only reason you'd take Tia's help is because she will be a partner.

The water is choppy, loudly slapping up against the undersides of the old wooden docks as you make your way down the hill and across the port. Shawn works in hangar two, on the far side. You can see dark skies on the horizon, a storm that's churning up the water. Hopefully it stays out there.

You wave to a few of the guys you know as you pass, men your father worked with when you were a kid. Just as you pass dock six you see a group of guys getting off of a boat. Usually this wouldn't catch your eye, people come and go every day, but one guy in particular has your attention. At first glance you thought it was Shawn, but you're not close enough and why would Shawn be on a freshly docked boat? You speed up, trying to catch up with the group before they disperse into the crowds of fisherman and workers near the hangar entrances. No luck. The guy is lost in the sea of people. Maybe Shawn was just helping them fix something. You turn down the walk way and head for hangar two, if Shawn isn't there one of the guys will know where he went.

Hangar two is packed when you arrive. There is a ship up on risers being worked on and it looks terrible. If this thing sailed into port like this you're shocked they weren't towing it off the bottom of the harbor right now. You look around at the crew, defined by their blue work shirts that say dock crew on the back. There isn't a ton of actual crew but more fisherman than you can count.

"Hey! Cat girl!"

You whip around and glare at the direction the insult came from. You knew forgetting your headwrap was a mistake, especially when the docks are teaming with unfamiliar people. "Get fucked!" You shout and head for the office door at the back.

In the office there are a few of the upper management guys taking a break and you spot Bruce the manager of hangar two.

"Bruce, have you seen Shawn?"

The older man turns and smiles brightly. "Of course! He's on the port side welding a patch on the hull."

"Thanks!"

Bruce motions to the lunch bag you have in hand for Shawn. "No treats for me?"

"No, just for Shawn. Maybe next time? I'll make some cookies."

He laughs boisterously. "I'll hold you to it!"

You shake your head and smile before turning out onto the work floor and heading for the ship. If Shawn is welding that means he was not the guy out on the docks, so whoever you saw earlier was a strange look alike.

Sure enough Shawn is up on the scaffolding welding. You grab a pair of the tinted safety glasses and put them on before looking up to get his attention. "Hey!"

Shawn shuts down his torch and lifts his face guard. "Hey sweetheart. What's up?"

"Lunch." You lift the bag of food up for him. "Come down."

He puts his stuff aside and descends the scaffold carefully. "I was gonna go home for lunch. Bruce is giving me a half day since I've been working so much. He wants me to have some time away."

"Oh, I won't argue. We'd have the house to ourselves for a while."

Shawn wipes his hands on his jeans and tosses his welding gloves aside. "Sign me up." He wraps his arms around you and noses your ears. "It's about time we got some down time together."

"Check out with Bruce and we'll head home."

"Yes ma'am."

___________________

Nearly an hour later and you and Shawn are laid together on the couch at the pack house. You decided to change things up, to give him attention. So you have him laying between your legs and you put your hands in his hair. It's so thick and it feels longer since you first met but maybe it's just because you don't do this often.

"This is nice." Shawn purrs, rubbing his head back against your chest.

You scratch gently with your short nails and he groans, body becoming heavier as he melts into your body. "You like this? You like when I scratch your head?" You flex your fingers and he moans softly.

"I've never had this."

"What? No one has ever played with your hair?"

He shakes his head. "I always do the playing. I guess an alpha is expected to provide."

You snort. "That's some shit." You tug his hair gently and he growls soft and lovingly. "Alphas deserve to get as much as they give.”

Shawn turns over, rolling between your legs to lay with his face on your chest. "You're making me weak."

You giggle softly. "An alpha weak for a hybrid? Wow you must really like me."

"Iloveyou." He mumbles, rubbing his face against your boobs.

"Hmm?"

Shawn pulls back and looks up at you, face red from his groaning and rubbing. "I love you."

You cup his face and he crawls up so he is over you, face close to yours. "Y-you love me?"

He nods. "I've been trying to say it since we met but I've been worried about how you would take it. I know we've discussed the mate situation but saying it out loud is something entirely different."

"I love you too."

He leans in and presses his lips to yours. You giggle and he presses in harder, hands going to your hair. You wrap your arms around his back and grip, making him press down into you. Things get very heated after that, hips rolling desperately into each other and kisses traveling across your jaw to your neck.

Just as you're about to suggest going up to his room there is a knock on the front door. The sudden interruption makes your heart stop and everything feel cold. Shawn pushes up and looks to the door.

"Who is that?" He mumbles, crawling off of you. "Usually the others let me know if they're expecting a package."

You sit up and fix your shirt he had messed up with his hand under it. "Maybe it's someone who's lost."

Shawn pulls open the front door and you peer over the back of the couch. "Shit."

"Who-"

A man steps in and he looks just like Shawn, the spitting image of him like a clone just waltzed out of a lab. You have no doubt this is Shawn and Peter's other brother, Raul. He's got on a beanie and suddenly you realize that he is the guy you saw at the Port. He's the one you thought was Shawn getting off a boat.

"You're hard to find Shawn." Raul says and shrugs his coat off. "I just happened to come across Ryan and Lindsay and they told me where you were."

"What do you need?"

"My family." Raul pulls his beanie off and you let out a soft gasp that gets his attention immediately. He has ears just like yours but they're dark like his hair and much smaller and closer to his head than yours.

"Shawn, you didn't tell me he was like me."

Raul crosses the room and you both stare at each other intently, eyes raking over one another curiously. "She's your mate?"

"Yes, and Raul just didn't come up, I didn't think anything of it." Shawn walks over and stands very close, almost wary of his brother's gaze upon you.

"How?" You ask, looking between the two of them. "You and Peter aren't..." You reach up and run a hand over Shawn's head as if you could have missed them. "How?"

Raul reaches out and touches your ear, fingers gliding up the side delicately and you shiver, not hating the touch but also not entirely comfortable.

Shawn stiffens up beside you.

"Our parents are an alpha and a hybrid. I got the hybrid and human genetics and the other two didn't. Luck of the draw I guess, it could have been much worse considering we're triplets. You're stunning by the way, I haven't seen many hybrids look as gorgeous as you."

"Thanks?" You step closer to Shawn as he wraps his arm around you and Raul pulls his hand away from your ear.

"Why are you here again?" Shawn asks, changing the subject.

"This." Raul lifts his sweater and reveals a large bandage around his middle. "Hunters tried to kill me in my apartment and I got away but a bullet got me in the side." He drops his shirt. "I figured being with my brother would be safer than being alone."

"Brothers. Peter is here too." Shawn says and Raul's face lights up. "He brought a wolf with him, but the rest of his pack was taken down by hunters as well."

"Everyone?"

"All but Tia, but she found Peter after the fact."

"Shit."

Shawn presses a kiss to your head. "You're welcome to stay, but keep the flirting to a minimum."

Raul grins and winks at you. "Of course I will. I'm just curious, it's been a long time since I saw another hybrid."

"Keep your curiosity to a minimum then." Shawn growls and wraps both arms around you. "Now excuse us, we're having some alone time."

Raul raises his hands and wanders off toward the kitchen. No doubt you and Shawn will just cuddle a while longer and then take a nap. You know Shawn won't take things further with anyone in the house, but that's fine, your mind is elsewhere where now.

____________________

Please send feedback in asks, replies or reblogs. Let me know if you’d like to read more of this story. Thank you so much -A

*****Note: none of my works should be posted anywhere outside of my linked accounts. I do not give permission to repost with or without credit to my accounts. Please notify me of any reposted fics.*****

#shawn mendes #shawn mendes fic #shawn mendes fan fic #shawn mendes fanfiction #shawn mendes story #shawn mendes imagine #shawn mendes au #shawn mendes au fic #shawn mendes werewolf au #shawn mendes werewolf #shawn mendes blurb #shawn mendes series #shawn mendes oneshot #shawn mendes stories #shawn mendes words #shawn mendes x reader #fanfic #fanfiction #haven port

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terrence-silver · 4 years ago

Note

Hey, I saw your gorgeous faceclaims for Terry's parents earlier, so I was wondering; could you perhaps do some sort of quick one-shot featuring the two of them? Nothing long or complicated. Just a little insight into their daily (messy?) lives back in the 50s? Thanks a lot. 💙

He waddled in drunk.

Again.

Thing is, he didn’t understand how come Red 31 wasn’t a winning option on the roulette wheel when red as a color has never failed him before - his lucky choice for years, in a sense. He could’ve swore to god almighty, that fucking game was rigged. It was rigged and it was rigged in such a way to harm the economic savings of decent, hard-working Americans like himself. Really, if anything, he blamed McCarty for letting in all those damn Communists into the country and messing up the order of things around here. That was the only way Morton could explain his losses tonight. Fifty thousand dollars in one sitting. Straight ripoff and as such, the deplorable state he was in tonight was well-warranted. Did he try to fight those bastards in the security department? Yes! Did he get thrown out of the casino? Yes, he was! Did he, by any chance get in an alteration with one of the suckers who did in fact win a sizeable amount of money tonight on the same fucking roulette wheel and were slaps generously thrown around? Yes, they absolutely were! And proudly at that! This was a free land.

And now, he was home.

Deep-fucking-joy.

His beautiful pastel Harrods catalogue house.

To his gorgeous nagging wife and their gorgeous tiny brat son.

-”It’s three in the morning.”-

A voice chided and of course Myra would be awake waiting for him like some sort of interrogator in the partial darkness of the hallway, stepping out of the bedroom in a silk bathrobe over her lace chemise and her blue rollers strapped to her curls, arms crossed over her chest with bloody intent, a scowl gracing her red lips as she took a long drag out of her cigarette, huffing the smoke into the air. She had time to put on a lipstick? In the middle of the night? The damn casino scammed him out of his own money and she had time for her goddamn rouge face-paint? The absolute nerve of this broad. She didn’t even wear her usual house slippers. No. She had her heels on like some manner of decadent, shameless saloon harlot. Because of course she did.

Wretched Biblical viper.

-”Y’know. If I knew you’d be so good at stating the obvious and telling the damn time I’ve would’ve strapped you to my wrist instead of a Rolex and just carried you with me around all day.”-

Morton shook his hand at her frantically to nail the idea behind his words into her head, clanking the gold clasp of his arm-watch in her direction. The general idea was, that before she even tried to accuse him of anything at this late hour, to gently remind her, as she often needed to be, that he in fact made all the money in this household, and as such, he could waste and spend as much of it as he pleased, however he pleased, whenever he pleased like the man he was. Because, really - who was going to stop him? Did she really think he didn’t know what time it was? There were no clocks in casinos. Yet, he always knew, regardless. It was an ingrained instinct, by now.

-”You’re bleeding, you reek and you look like hell, Morty.”-

She clicked her tongue in annoyance alongside an eyeroll, using an endearment instead of his full name, walking around him with her heels clicking on the marble carpeted floor as she plopped down in the velvet armchair facing him directly, crossing her legs, watching him pour himself a glass of scotch and downing it one swift move. This has happened before. Of course it has. But, was it such a sin he wanted out of this stifling, godforsaken upper middle class life out here in the fucking desert, peddling rings and knick-knack like a common salesman or roadside merchant? Was it so bad he wanted to make a quick spin of money? Was it so hard to understand he wanted Lady Fortune to smile at him? If only just once? Let him live the life he knew he deserved? That she deserved. That their son deserved. That he, correction and all humbleness aside, Morton Silver, deserved, most of all?

-”We can’t all look like Liz Taylor, ma’am. Respectfully.”-

He spat back in disgust, loathing how beautiful she appeared.

So close to making him behave in ways a gentleman never should.

-”How much?”-

She inquired firmly, with a certain sense of softness.

He immediately what she meant, even without clarifying.

He averted his gaze, sighing in defeat - putrid, bitter defeat.

Leveling his eyes instead, with the glass liqueur bottle in front of him.

-”That much, huh?”-

Myra knew, even without words spoken, more or less what the monetary casualties of tonight’s exploits were - she had an instinct for things like that by now, the damn woman - finishing the butt of her cigar and crushing it in the crystal ashtray next to her seat and leaning over her white cream boudoir instead, starting to remove the rolls from her hair one by one, combing them out steadily and attaching the pearled earrings to the pierced holes of her lobes. She once stated he had a serious addiction and that she read in a health magazine at her book club that such things weren’t anything to be ashamed of and that it could be curable with the right methods and care - that she worried about the state of him - where he was headed - where they were headed, as a married couple - but he didn’t want to hear about it. If she intended to institutionalise him she had another thing coming. He knew what they did to people deemed crazy.

And the Silvers had a reputation to uphold around these parts.

His father was a jeweler and his father before him.

His father’s father, even.

He only wanted to increase what he inherited.

Not let it all go to waste with the knowledge that he wasn’t quite right.

People would avoid them both like the plague for it - bloody bastards.

-”I’ll make it back for us. I always do. You know me! You know I do! I’ve luck at the tip of my fingers, all I need is the right moment at the right time and it’ll find me when I least expect it! And you love me for it! Maybe next time this year, we’ll be sitting at a balcony somewhere, overlooking the sea! And you’ll be sunbathing with a big hat and we’ll never look back! Maybe up the West Coast - maybe -”-

He found himself ranting, a wave of desperation, guilt and hysteria taking over his senses, fueled by alcohol and a need to rationalize and justify himself, suddenly on his knees and grabbing Myra by her ankles, nearly ripping the nylon of her sheer, flesh-colored stockings with the sharpness of the ruby on his wedding band, pulling her away from the mirror and back unto her arm chair, embracing her legs and leaning his face unto her lap, trapping her in place because he needed her to stay put and listen like he needed air to breathe, rambling and stuttering as he did. He despised this place and he knew she did too, but money was never enough to move someplace better permanently and for that reason he hated it here all the more out of rage. All the dust and scorched, dryness of the earth, and the unbearable desert wind and the goddamn mob burring mutilated bodies out in the wild, and the hyenas, and the loan-sharks, and the snakes, and the hookers and the temptations and the sinning and people blowing their fucking brains out due to accumulated debt and he just couldn’t take it anymore. It was hell. And he wasn’t out of here in a couple of years, he’d just ram his car off of the first cliff with himself, Myra and Terry in it and call it a day. It wasn’t the most Christian way to go, but heck if he cared at this point. He was as far removed from God’s light as he could be by now.

-”You’ll wake up the child with your drunk rambling.”-

She chastised whispering, with infinite tenderness.

With a tinge of sadness and pity too, he figured tiredly.

Letting her run her manicured fingers through his hair sweetly.

Comforting him - another woman would’ve left him by now, surely.

He drank and whored around and gambled and cussed and shouted.

Not her though - all she wanted was him, their son and money.

And although a bit skinny, puny and small for his age.

Almost to the point of occasional embarrassment -

Morton figured a change of scenery would do Terence good too.

Get some strength back into him - make him tall, statuesque and healthy.

Last thing Morton Silver wanted was a malnourished, sickly offspring.

-”Do you believe me, though? Do you believe me when I say I’ll give us lives worthy of gods and leave behind this petty corner-store waste of time? I don’t want to spend the rest of my days behind an old, dusty counter, convincing people which fucking engagement ring to buy some random, nameless dame off of the street they met in a joint one time!”-

He looked up at her almost pleading, fingers digging into her skin to the borderline point of nearly making her bleed - his humiliation at requiring her approval in the first place mingling with genuine need and rage at even being in his position mixing into a potent sort of fury where he was just one inch away from slapping her if she answered negatively and then grabbing her and kissing her the next for running her pretty little mouth like that. He was an irresponsible, hypocrite, drunk gambler and lying, materialistic, greedy whore-mongerer. She was a tobbacco-addicted, fashion-crazed, haughty diva obsessed with her pearls and being the perfect, unassuming upper-crust housewife and mother. They were made for each other. Hell, they even looked alike, aesthetically speaking, both pale, lanky, dark haired, with stark blue eyes - like a matched pair of paper dressing dolls cut-out from a magazine. If anything - little Terry would be a looker. Not an overly wealthy looker, but a looker nonetheless. A little pretty twig-boy with no inheritance quite big enough or impressive to turn heads. Not if they stay here. In this crime-infested cesspool of filth that threatened to drag him down even lower.

He pressed a sloppy, inebriated half-kiss to the side of her mouth.

Trying to make himself forget how much he exactly lost tonight.

She turned her head away, nostrils flaring at the stench of him.

She didn’t exactly bear the scent of roses either, reeking of tobacco.

How many did she exactly smoke in the darkness expecting his return?

-”You always did things your way and I’ve enabled you, in part. Now all I can do is sit around and wait for you to come home alive and hope to god someone doesn’t beat you half to death on the steps of some sleazy, two-bit gambling den like a dog.”-

Myra’s voice cracked and she was overtaken by a wave of sobbing.

Tracing the fresh wound on his head, impartially.

In defeat - her tone pained, regretful.

They been through his debate a million times.

And a million times they’ve reached this exact conclusion.

She didn’t even bother cleaning the blood on his scalp.

This happened so often, there was hardly a point anymore.

He’d be battered and bruised at work again by tomorrow.

She’d ambush him in this same fashion, at this same hour.

Wearing the same bathrobe and spewing the same reprimanding.

And he wouldn’t really change or learn - neither would she.

#two people being extremely in love and extremely fucked up #and extremely dysfunctional and tragic because of it #terry silver #silver family #morton silver #myra silver #request #kk #ck #a highly fanon take #but i hope you like it

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mysticearthquaketidalwave · 4 years ago

Text

How Does a House Mortgage Interest Rate Calculated in NZ?

Interest rate Calculated in NZ which papers you read, or which social media you follow you can easily find all these warnings. On the same day!

Which makes it all very difficult to know what is the best thing to do (and the real secret is that even the ‘experts’ don’t really know either).

Q: When is the best time to plant a tree? A: About 10 years ago B: Today C: Tomorrow

Of course, the best answer is A. But unless you have a time travel machine the next best answer is ‘today’.

So, apply this question to buying your home. (Note that we did not say a house or an investment property because then different rules apply.) But if you are buying a home now is the best time to buy.

Why? Because the statistics tell us that over the long term property values will trend up. If you are looking for short-term gains in the property market that can be either profitable (if you know what you are doing) or can cause real pain. But as we said we are not talking about profit we are talking about getting you into a home.

Of course, if you buy now there is a chance that you may pay a little too much for it or if you had waited it would have been cheaper or maybe you could get a loan at 0.001% less than you did.

Or maybe prices could have risen or interest rates gone up or you may have missed out on what is to be your home forever.

Welcome to the real estate market.

But we are not real estate agents. We do not sell houses. But we can help you with your mortgage and any mortgage or house and contents insurance you may need.

But let’s start with your House Mortgage.

So, you’ve found your home. There has been all the joy, terror, and frustration of actually finding a property, negotiating with the vendor, or bidding at the auction, and then the buyer’s remorse when you finally sign on the dotted line.

But after all that - you own your home

Well, you own about twenty percent of it. For the next 25 to 30 years a bank or some lender owns the rest of it. And ultimately you will be paying quite dearly for the pleasure of homeownership.

We are sure you worked out the total cost that your home will ultimately cost you. You did go to sorted.org.nz , didn’t you? If you didn’t, we have a link to it on our website. It is worth a visit.

What will your house really cost you?

As we write this the average house price is $846,900. Now maybe you paid less for yours or more but for this example, we will use the average price. We will also assume you have contributed a 20% deposit of $169,380. So that means you will have a loan of $677,520. Currently, the big 3 banks are offering Variable Loans at around 4.5%.

Let’s see how that works out for you on a 30-year loan. Loan amount$677,520 Total you will pay: $1,235,842 Including interest of:$558,322

So, by the time you own your home (around 2051), you will have paid slightly more than 82% of the actual loan amount and the final cost of your home will be:

Total Paid$1,235,842

Deposit$169,380

Total Cost$1,405,222

(we got these figures from

sorted.org.nz

– check them out)

Of course, you can get different types of loans (fixed interest, revolving credit, interest-only) but these will mostly give you some short-term relief. Ultimately you will end up either increasing the length of your loan term (and pay even more in interest), have to make higher payments each month (great if you can afford it), or try to refinance it in some way.

What should I do?

Your real goal should be to reduce the length of the loan because, by doing this, you will save on the amount of interest you will pay. But how do you do that?

Banks suggest that you change the frequency of your loan from monthly to fortnightly (that might help – a little!) or make extra payments (good luck with that) but they never tell you how to really pay it off faster without increasing your monthly costs.

How can I save money on mortgage interest?

The truth is you can’t save money on the principal amount you have borrowed. That will need to be paid back.

But you can save money on the amount of interest you pay on that principle. That is why there is so much focus on interest rates going up or down.

So the amount of interest you will pay will depend on the interest rate you are paying and how long it takes to pay off the loan. So getting a better interest rate and reducing the term of the loan and not paying more each month is what you are trying to achieve.

Let’s assume you could reduce the term of your loan without increasing the amount you pay each month. Here is what your home would cost you if you could reduce your loan term to 15 years. Loan amount: $677,520 Total you will pay: $932,937 Including interest of:$255,417

Let’s put these 30 year and 15 year loans side by side

Loan PeriodLoan AmountPrincipalInterestTotal

30 years$677,520$677,520$558,322$1,235,842

15 years$677,520$677,520$255,417$932,937

Interest Saved$302,905

And over a 30-year loan that is a saving of over $10,000 a year.

And remember, you have NOT increased your monthly costs to get here. This is costing you the same amount each month as the longer-term loan.

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