condo questions you havent asked | Real Estate Articles
There are more than a few cases when dictatorial boards became the condo owners’ nightmare. Don’t forget to check the building insurance. See if it covers adequately whatever your own homeowner’s insurance doesn’t. … read more…
Flood 2009 – Dispelling Myths About Flood Insurance
Homeowners, condo owners, renters and business owners are advised to read their flood insurance policies carefully, and to discuss their policies with their insurance agents to make sure they understand what is and is not covered. … read more…
real estate of florida
real estate of florida. A Blog for those interested or particpating in the Florida real estate market as home buyers or sellers, Realtors and others offering services to homeowners and investors. … Insurance companies charge less to insure properties that meet the latest code requirements. Homes and condos that are not located directly on or adjacent to the waterfront or in designated “flood zones,” cost less to insure. Avoiding Estate Taxes and Probate … read more…
From Google Blog Search
Instant Homeowners Insurance Quote for Condo Owners
Condo owners need home insurance, but it is a different type of policy. When you search for instant homeowners insurance quotes online and enter you zip code to proceed to the next part of the proce… read more…
Top 10 Reasons for Homeowners to Use Self-Storage
Even a little extra space offered by a self-storage unit can make life easier on a day-to-day basis for most homeowners. Having room to breathe, organize, relate, work and play at home brings peace of… read more…
6 Frequently Seen Home Insurance Mistakes That You Could Literally Lose You Everything
Locating the right property and casualty insurance cover might not come very high up on your list of priorities and, alongside investment and estate planning decisions, questions concerning the langua… read more…
From GoArticles.com
Resolved Question: Help with Relationship: I Need Advice with sharing Household Expenses with Live-In Girlfriend?
Hello everyone,
I need a little help with my relationship. My girlfriend and I are having a disagreement over household expenses.
Here is the situation:
She moved in with me in October. We have been together for 13 months. We love each other very much, and we want to be married to each other. We are good Christians. When she moved in, I gave up my master bathroom, and large walk-in closet to her. I don’t mind it.
She makes about $70,000 a year before taxes. I make about $80,000 before taxes. We do not live lavish lifestyles, and spend conservatively. I own a small business that is not going well right now. I have a tough time making the household bills every month. The economy is not kind to me right now. She has a very stable job as a healthcare professional. She knows I am struggling with my company. If I have to fold the company, it will be disastrous for me. I’ll probably lose everything.
For the first 7 months, we commuted back and forth between each other’s places, about 20 minutes apart. She “rented” a place from her mom, inasmuch as she paid the utilities, and about $500 rent every month. Moving in with me has created about $200 a month commuting expenses for her, in bridge tolls and gas for her car.
We agreed she would start helping with Household Expenses in December. Her mother is going through a divorce settlement right now, so once that is settled, my GF can start helping out with Household Expenses. The problem is that December turned into January, then February, and now March. In October, her mother moved back into the home by GF was “renting”.
In my home, the household expenses are about $2850 per month: Mortgage: $2200, HomeOwner’s Insurance: $100, Condo Association Fees: $150, Electric/Gas: $190, Water: $40, Cable/Phone/Internet: $165.
Our food bills are about $400-500 per month. She has paid for the groceries most of the time, which is about $150-200 each trip to the grocery store. I’d say she’s paid for groceries 2/3rds of the time.
She paid me $200 in February to help out with the bills. So far, that’s all she has contributed, outside of paying for food as I mentioned above.
I talked to her about it last night, and it didn’t go well. I showed her a list of the expenses, which she is already aware of. She thought I was being condescending, and making her feel like a freeloader. Those were not my intentions at all.
We NEVER argue about ANYTHING. This was the first time I ever made her cry, and I feel bad about it, especially since I didn’t intend to upset her.
I asked her if she could pay between $500-800 a month for expenses, and she was shocked. I was so disappointed by her reaction, borderline shocked. I said that even if she paid $600 per month, that’s not even 25% of the household expenses. $400 a month is about 15% of the household expenses. She really did not like that. I said I don’t know how to spin those numbers any differently – they are what they are.
We would like to be engaged sometime in the next 12-18 months, but right now I have no prayer of being able to afford an engagement ring in that timeframe.
She is able to save at least $1,000 per month in her savings. Meanwhile, I am really struggling to make the household expenses.
Can anyone give me a little bit of advice? How much should she contribute per month?
Resolved Question: If you own a condo, what type of insurance covers floors and fixtures?
I am looking to get condominium insurance for my condo. As I understand it, it will cover anything that is not bolted down, my personal items, clothing, appliances, electronics, etc.
My neighbor recently had a huge water leak and water got all over my hardwood floors from his unit. The wood in the floors are starting to buckle. I don’t have condominium insurance on my personal items but does condominium insurance cover repairs to the floor anyway? If not, is there another insurance I may already have that covers it and I don’t know about? I pay homeowners fees, but I believe that takes care of everything outside the home.
Thanks!
Resolved Question: Do I need both hazard and homeowners insurance for a condo?
I recently bought a detached condo. I was told by the bank I would be paying a premium of $400+ a year for hazard insurance thru them which will be included in my mortgage payment. Then I was told I also need to get my own homeowners insurance for 80% of the condo value which carries a premium of $500+ a month thru my own carrier such as State Farm. Is this normal to pay $900+ a month in insurance for a condo appraised at $290,000. I live in Seattle, Wa.
Opps, all rates given are anual. I meant 900+ a year. And for some reason my HOA dues do not include Hazard insurance.
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@sparktography sorry to hear about your condo. Hopefully you (and the dumbass person above you) has insurance
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@MikeFurtak homeowners insurance instead of just condo insurance, and it was a huge pain to find that out!
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