With the new DLC you can build your own Europe

2021.12.07 14:59 TheYeti4815162342 With the new DLC you can build your own Europe

With the new DLC you can build your own Europe submitted by TheYeti4815162342 to PlanetZoo [link] [comments]


2021.12.07 14:59 123BurnerBCReasons Is this budget realistic?

I've been navigating the scary DC metro housing market, specifically on the Northern Virginia side. I'm approved for a 500k loan but after looking at homes, my budget, and what kind of lifestyle I want to live, I decided to pull back to avoid finding myself house poor on a tight budget.
Right now my target is $400-450k townhome. At the top end of that, a townhouse I considered at $450k with the taxes, HOA, insurance, etc. factored in, my lender had me at $2,460.58/mo I'm assuming $300 for electricity, gas, water, sewer and $60 for internet, putting me at $2,820.58 for monthly housing.
I've read several different rules for determining what mortgage one can afford. It's hard to tell if they really apply to my situation or not. My gross annual income is a little over 105k so gross monthly income is $8,815.
30% rule: $2,460.58 mortgage would be within 30% of gross income on mortgage; 30% of my gross monthly income is $2,644
FDIC's rule of thumb: mortgage=2 or 3x your annual income, so I would only afford around $315k mortgage? I live in the DC area and this is pretty unrealistic. Maybe this makes sense for other areas.
28/36 rule: It would be well over the 28/36 rule (max household expenses shouldn't exceed 28% of gross monthly income, total household debt doesn't exceed more than 36% of gross monthly income). $2,820.58 for mortgage, utilities, and internet is ~32% of my gross monthly income. And I wasn't sure if by household they meant literally ALL expenses or just all housing related expenses.
I have no student debt and no credit card debt. My only debt is my monthly car payment at $362/mo. With fuel, insurance and maintenance, my vehicle costs are about $498/mo. My budget projections with my takehome pay and monthly spending (everything including groceries, phone, streaming, etc.) leaves me with around $2,126 left over at the end of each month. Of course this leftover money goes up as the price of a home goes closer to $400k.
I've saved ~107k, plan on spending 5% downpayment, and family is contributing 10k to closing costs. So I'll be out about $21,500 before moving and furnishing costs, and assuming no negotiated money back from seller. I think this leaves me an ok cushion for medical or housing stuff that comes up, and some bandwidth to live life.
In my head I alternate between worrying that I'm doing bad math and this is actually riskier than I think, or that I'm pulling back more than I need to on features I'd like in a home to hit my target in this area's crazy housing market.
submitted by 123BurnerBCReasons to FirstTimeHomeBuyer [link] [comments]


2021.12.07 14:59 Ballout98 Almost there 🥺🥺

Almost there 🥺🥺 submitted by Ballout98 to DokkanBattleCommunity [link] [comments]


2021.12.07 14:59 Imcharliecartel Charlie Cartel - Chosen (Remix) [R&B]

submitted by Imcharliecartel to newmusic [link] [comments]


2021.12.07 14:59 Evening_Bank_7096 Ordered something from GOAT, normally they ship with UPS. First time getting something internationally shipped to me from the app. This is a present for my girlfriend. Ordered early to get for Christmas. Am afraid it will not be here on time, if not shipped soon. Been 8 days, basically no movement.

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2021.12.07 14:59 Soulhero420 Izanami in a nutshell

Izanami in a nutshell submitted by Soulhero420 to Blazblue [link] [comments]


2021.12.07 14:59 Lemenishere Instant noodle questions

I am currently eating a packet of instant noodles constantly every 2-3 days for the past month, how healthy is that? Should I stop this habit and try to prepare meals or is it sustainable?
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2021.12.07 14:59 turkmcdirt lord giveth and the lord taketh away

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2021.12.07 14:59 SmoothSiggy Moving up in both categories!!!

Moving up in both categories!!! submitted by SmoothSiggy to loopringorg [link] [comments]


2021.12.07 14:59 AmadeusPrower bobux generator irl

bobux generator irl submitted by AmadeusPrower to doctor_nefardio [link] [comments]


2021.12.07 14:59 ElectronicFudge5 Gemma Marjoram's family tell of killer's growing coercive control

Gemma Marjoram's family tell of killer's growing coercive control submitted by ElectronicFudge5 to TrueCrimeGenre [link] [comments]


2021.12.07 14:59 PeaceMakerGaming my album art

my album art submitted by PeaceMakerGaming to glitchcore [link] [comments]


2021.12.07 14:59 thelastbeauty Banned?

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2021.12.07 14:59 azanelli83 why don’t tommy and john ever fight about what john said/did to changretta? isn’t that the reason why grace was accidentally shot?

submitted by azanelli83 to PeakyBlinders [link] [comments]


2021.12.07 14:59 cbvv1992 🔥60% Off Code – $33.99 Diaper Bag Backpack, Multifunction Portable Travel Crib with Changing Station (5 colors)!!

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2021.12.07 14:59 evgeniya20 [25F] Today I finally quit a job I didn't like

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2021.12.07 14:59 jaydub1001 My proposed fix to the "popularity contest" style challenges.

You know the challenges: It's the merge. You have people that are known to be on the bottom. Contestants answer questions or do things and get to chop others ropes and their likeness or whatever gets smashed after three chops. The one on the bottom always is out first.
Here's the fix:
Contestants get three chops like before. Turn order is randomized. On your turn you can choose any other survivor that isn't out. You do a mini mini challenge (of which there are multiple)(closest to the target wins or something). Loser gets their rope chopped.
Sure, you can challenge the bottom each time, but they may be better at it than you and can actually win.
I probably didn't do a very good job explaining my idea. I received it 7 minutes before falling asleep and it may be garbage.
submitted by jaydub1001 to survivor [link] [comments]


2021.12.07 14:59 King-Johnny Running a successful Exchange

Blockchain technology works for a lot of industries. One notable example of the effectiveness of blockchain technology is the cryptocurrency exchange. Many businesses now want to launch their profitable crypto exchange and benefit from the technology's many uses. Coming across so many crypto and traditional exchanges, theres a big difference in their quality and what they have to offer. Fusang as an Exchange I recently came across is a unique blend of the above mentioned.
It's a full-fledged securities exchange where digital security tokens can be listed, traded, and stored. It's like Amazon but for digital securities. The exchange is the marketplace to list your security token, the product, and investors can buy and make a settlement in a compliant and safe manner.
It's exciting what digital securities allow companies to do by turning stakeholders into shareholders and definitely needs more attention.
submitted by King-Johnny to CryptoCurrencyTrading [link] [comments]


2021.12.07 14:59 BoursinAndBrioche Banging my head against the wall...

Banging my head against the wall... submitted by BoursinAndBrioche to sims4cc [link] [comments]


2021.12.07 14:59 marsbackup How?

Hi I'm a submissive man and I've been wondering this for a while but I do t know who to ask so I turned to this sub. What are some ways to train your ass to take bigger objects without using toys or fingers?
submitted by marsbackup to TooAfraidToAsk [link] [comments]


2021.12.07 14:59 itiswhatis_ 24F... wasssuupp

Easy going day, so just looking for some chats.. okay lol bye
submitted by itiswhatis_ to chat [link] [comments]


2021.12.07 14:59 Puzzled_Transition82 Zilch - £15 free

Free £15 Amazon Gift Card using £5 credit.
Zilch is a buy now, pay later app that allows its customers to shop wherever Mastercard is accepted. Zilch's users can keep track of all their purchases in one place – whether made online or in-store – ensuring they have a transparent view of their finances as well as their repayment timelines.
Follow the link and steps below and we both get £5 vouchers
Steps:

  1. Sign up using the ref link.
  2. Verify your details, mobile verification.
  3. Receive 1500 points in your wallet, worth £15.
  4. Add your debit card details.
  5. Choose the company, recommend, Amazon.
  6. Enable the discount and click enable on the store
  7. Zilch will navigate you to Amazon, add your Zilch card to the payments section.
  8. Buy a £5 Amazon Gift Card, using the Zilch card.
  9. You will then within minutes receive your £5 gift card via email and Zilch will notify you on the app.
Ref Link: https://customers.payzilch.com/signup?inviteCode=uTRYVY
Non ref link: https://customers.payzilch.com
submitted by Puzzled_Transition82 to beermoneyuk [link] [comments]


2021.12.07 14:59 Previous-Jicama2464 Transferred axies to new ronin wallet, not getting any exp or slp for adventure or area??

submitted by Previous-Jicama2464 to AxieInfinity [link] [comments]


2021.12.07 14:59 TruthToPower77 Things happening overseas.

Things happening overseas. submitted by TruthToPower77 to WhitePeopleTwitter [link] [comments]


2021.12.07 14:59 historybuffCO Matilda Browne, a Forgotten Female Impressionist

Matilda Browne, a Forgotten Female Impressionist submitted by historybuffCO to WomenArtists [link] [comments]


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