Avoid Long Island If You Can (Hempstead, Brentwood: credit, home, neighborhoods)

[TristansMommy]

Originally Posted by NY62

You also get lots of snow in PA, bears in the garbage, and where is the closest hospital, health center? what about street lights? Look close there are reasons it is cheap. you mite not see them at first, but look. I checked PA once also, if you like the cold and snow for longer then you have here, it could be for you. Why not new hampshire that is very nice.

Hi.. I know you were siding with me.. I was commending Red Jed on the comment about "you get what you pay for". .. i don't believe we get all that much more for 3x's the national average!! And i do appreciate that you were siding with me.

I don't plan on living inthe country for goodness sake...LOL. Litiz and Manheim are two areas in Lancaster County I plan on looking at . Even Lancaster itself. Those areas have good schools and I'm sure hospitals too! Sidewalks.. ah.. who really needs sidewalks.. street lamps.. don't much care about that.. it's not like I'l be living in an area that if I go outside I'll get mugged and need well lit streets. I'll have lighting around my house.

Bears.. bring them on! If you leave them alone when they go through your trash, no big deal... bears do not scare me.. because they are not really vicious creatures unless they feel threatend. And you know what that means.. that means i'm living in beautiful open spaces where there's fresh air! And they don't come out to populated areas all that often. I've had family that lived in MT my whole life and they have never had a problem with bears liek you mention. It happens rarely.

Snow.. LOL. we have snow here on LI too.. maybe not as bad as PA may get.. but then again.. wait till you have your first winter here on LI.. watch how the idiots come out and drive when there is like an inch of snow on the ground. I'll be much safer in PA with the snow than in NY with a flurry.. LOL My mom lives in MT (and was originally from there.. but much too desolate for me) so snow is no big deal. Plus.. I have a four wheel vehicle for that. My son can go sledding and build beautiful snowmen.

Im' not saying there arent' going to be tradeoffs.. of course I expect their to be. I don't expect all the conveniences I've grown accustomed to here, and I will be doing my research.. And NO cheaper is not always better.. I'm not looking to go "cheap" but there is better quality of life for a lot less elsewhere than here. Right now.. living here i have no life.. My husband doesn't have any time to spend with me or his son and is stressed all the time.. and these little "perks" like street lights and sidewalks.. arent as important to me as a quiet life in a beautiful place with friendly neighbors and a lot of snow. I'll take that over my struggle and inability to have financial security any day.. cause when Im' at retiring age or can no longer walk adn I have no money for my kids to go to college I won't care about the sidewalks and the street lights and so on and so forth. Life is also too short to sacrafice so many enjoyable things just so that yuo can live on an overpriced island.

Oh.. and just so you know.. in a lot of more rural areas.. lifeflight is VERY common. For example.. the nearest hospital to my mom is 40 minutes away..BUT should an emergency arise there are trained people in the town to handle it and a life flight helicopter at the ready in Great Falls to go and get em should they need em.

[NYC2RDU]

Originally Posted by NYNewbie

1) I think that a general sense of entitlement is something that many Americans suffer from. So, I guess I'm being rude to a large number of people. I go without a lot, and I never feel like I'm not living with this "dignity" that others claim I deserve. Do I know the particulars of other's life situations? No. Do I think my claim applies to all here? No. Why would you think I intended it to be so unless you were looking to box me into a corner.

2) Regarding your knowlede of East Northport, I really don't care what you know. I do know that the area that i'm presently in has small modest houses, and that these are scattered throughout. I'm I going to tell you precisely where I live? No. That is none of your business.

3) Regarding my mortgage, you missed that I had a substantial down payment -- 20%. That alters your math. You are right that I didn't finance at below 6%. My attorney was $1000. I paid for other attorneys as well, but the "points" I didn't pay for. I deferred escrow, and save for myself.

To sum, I don't think just anyone can move to this island. A person would have to have a job, have to live very frugally, and need to either find a rental unit or move out east. That still doesn't mean that person can't live here. So, chill your tenor a touch and give me the benefit of thr doubt.

You appear to dislike accountability. If I've falsely represented your words you'll need to provide evidence because I'm not seeing it.

Your math doesn't support your claim of having a monthly payment of $2400.

You challenge people to live affordably by buying into a depressed area and aid re-gentrification. Then you admit to buying a house in East Northport. Your "do as I say, not as I do" hypocrisy weakens your credibility.

This thread isn't titled "Why Long Island is better then Florida" or "Why I love living on Long Island". When you issue posts in which you make comments like "I think that a general sense of entitlement is something that many Americans suffer from" to an audience largely comprised of people who have reached the end of their financial ropes after making sacrifices it's offensive.

I have always found these forums to be remarkably cathartic, to have a place to conduct research, share ideas or simply vent. Where appropriate I tend to enjoy contrary opinions particularly when they're intelligent, substantiated or entertaining. Your posts miss the mark.

Lastly, if you gave the people sharing their pain in this thread the benefit of the doubt I'd be more then willing to extend that courtesy to you.

[NYNewbie]

Moderator cut: removed deleted post


Now consider this. If I'm living in East Northport in a house sold at a price near $380,000, that means that in all likelihood I'm living more frugally than the people who bought here 5, 6, 7 years ago. The guy down the way bought his house 20 years ago for (drum-role) $27,000.

Let's assume that 80% of people, the offended one's, bought at a time when the market was relatively more depressed. That means their mortgage payments are, on the whole, significantly lower than mine. Yet, they are the one's complaining.

Let's face it. There is no point of contention here that can be adequately addressed for you without disclosing my income. I'm not about to do that.

In my opinion, you belong to a growing legion of people who are easily appealed to by those political forces that want to save you from big & bad tax and spend government. Well, I have no empathy. There is nothing you can say, at this point, that is going to convince me otherwise.

You feel free to reign in discussion, reminding us of the point of the thread. Well, the point of the thread is "avoid Long Island at all costs." This thread's heading does nothing to solve the problems of the poor individuals you express concern for. You just tell them to go away. Then, regardless of the points I've made that were spot on and germane, you cherry pick admittedly tangential responses I've made in discussions with others.

No, you just can't stand someone disagreeing with you. You've done nothing to convince me that Long Island should be avoided at all costs. So far, I'm only convinced that you believe life has treated unfairly because you can't buy everything you want.

[NY62]

Originally Posted by TristansMommy

Hi.. I know you were siding with me.. I was commending Red Jed on the comment about "you get what you pay for". .. i don't believe we get all that much more for 3x's the national average!! And i do appreciate that you were siding with me.

I don't plan on living inthe country for goodness sake...LOL. Litiz and Manheim are two areas in Lancaster County I plan on looking at . Even Lancaster itself. Those areas have good schools and I'm sure hospitals too! Sidewalks.. ah.. who really needs sidewalks.. street lamps.. don't much care about that.. it's not like I'l be living in an area that if I go outside I'll get mugged and need well lit streets. I'll have lighting around my house.

Bears.. bring them on! If you leave them alone when they go through your trash, no big deal... bears do not scare me.. because they are not really vicious creatures unless they feel threatend. And you know what that means.. that means i'm living in beautiful open spaces where there's fresh air! And they don't come out to populated areas all that often. I've had family that lived in MT my whole life and they have never had a problem with bears liek you mention. It happens rarely.

Snow.. LOL. we have snow here on LI too.. maybe not as bad as PA may get.. but then again.. wait till you have your first winter here on LI.. watch how the idiots come out and drive when there is like an inch of snow on the ground. I'll be much safer in PA with the snow than in NY with a flurry.. LOL My mom lives in MT (and was originally from there.. but much too desolate for me) so snow is no big deal. Plus.. I have a four wheel vehicle for that. My son can go sledding and build beautiful snowmen.

Im' not saying there arent' going to be tradeoffs.. of course I expect their to be. I don't expect all the conveniences I've grown accustomed to here, and I will be doing my research.. And NO cheaper is not always better.. I'm not looking to go "cheap" but there is better quality of life for a lot less elsewhere than here. Right now.. living here i have no life.. My husband doesn't have any time to spend with me or his son and is stressed all the time.. and these little "perks" like street lights and sidewalks.. arent as important to me as a quiet life in a beautiful place with friendly neighbors and a lot of snow. I'll take that over my struggle and inability to have financial security any day.. cause when Im' at retiring age or can no longer walk adn I have no money for my kids to go to college I won't care about the sidewalks and the street lights and so on and so forth. Life is also too short to sacrafice so many enjoyable things just so that yuo can live on an overpriced island.

Oh.. and just so you know.. in a lot of more rural areas.. lifeflight is VERY common. For example.. the nearest hospital to my mom is 40 minutes away..BUT should an emergency arise there are trained people in the town to handle it and a life flight helicopter at the ready in Great Falls to go and get em should they need em.

I am glad to hear you know what to expect. I was just pointing out some things people dont normaly see until it is to late.As for winter hear on the island I know it well after 45 years. PA does get more snow but they plow better. I myself could not look at snow for that long I am kind of a spring summer fall guy.LOL I was bringing up the bears because not out of fear but my cousin moved there for a while, and the bears were kinda cool at first but then she started to get pissed, every morning she had put the garbage out she had to clean it up off the street after they were done. lol I also know the Island is overpriced but what Island is not? People tend to forget it is an island.LOL I hope you get what it is you are looking for, we all want that quality of life. Oh yea the sireet light thing I was saying that because I never realized myself, not all places have street lights except in the mountains. good luck and take care

[NY62]

Originally Posted by Diane Giam

I live in Nashville and it sounds like you have never been here. I surely have street lights and sidewalks. All the streets are paved and we have a wonderful system of interstates that Zips you from part of the city to the other at 70mph, with not much traffic. No tornados south of the city as we are not on flat land, very hilly.And yes, I have a 4200sq ft house with $3500 a yr taxes, and its all brick, High Ceilings.
We have Malls, restaurants galore. It's surely not the hick town that you invision.
I'm from Lawrence, LI orginally, then Mt Sinai, North Babylon, Manalapan, NJ-Nashville, TN where I will stay.
Diane

I have been to nashville and I loved it . But come on go outside of nashville and tell me the same. Go up to whitehouse, sure the new little circle of houses have roads and lights but everthing around it does not. And rite outside of Nashville there were some dandy places as well. No tornadoes? are you kidding ? My friends said the same thing untill one tore through gallitin and hendersonville. and I saw the damage. dont kid yourself. they said that area never gets them . and I hate to tell you Tornadoes are more common on the flat land then in the mountains. Who ever told you that is lying through there teeth. How long have you lived there? get out take a ride all around you. I am not bashing it at all there are some beautifull areas but next street over you can get the old double wide park with the confederate flags waving. I have friends that live in tennessee and they love it, then I have some that hate it. I loved hendersonville on old hickory lake but the prices in those nieghborhoods were the same as here or more.I will tell you this if Long Island was as big as Tennessee the home prices would be cheaper also. It is called supply and demand. our supply is small . yours is huge they have so much open land there it is rediculous. But try and buy near a lake smaller supply and the prices go way up. Take care and I am glad you love it. check out the grand ole oprey if you have not ,it is awsome. Even if you dont like country music you have to go to a show. I happen to like all kinds of music so I loved it. Peace

[NYC2RDU]

Originally Posted by NYNewbie

As I noted, I haven't given you a number of statistics regarding either my income, neighborhood, time of purchase, interest rate, or other information because it isn't your business.

Now consider this. If I'm living in East Northport in a house sold at a price near $380,000, that means that in all likelihood I'm living more frugally than the people who bought here 5, 6, 7 years ago. The guy down the way bought his house 20 years ago for (drum-role) $27,000.

Let's assume that 80% of people, the offended one's, bought at a time when the market was relatively more depressed. That means their mortgage payments are, on the whole, significantly lower than mine. Yet, they are the one's complaining.

Let's face it. There is no point of contention here that can be adequately addressed for you without disclosing my income. I'm not about to do that.

In my opinion, you belong to a growing legion of people who are easily appealed to by those political forces that want to save you from big & bad tax and spend government. Well, I have no empathy. There is nothing you can say, at this point, that is going to convince me otherwise.

You feel free to reign in discussion, reminding us of the point of the thread. Well, the point of the thread is "avoid Long Island at all costs." This thread's heading does nothing to solve the problems of the poor individuals you express concern for. You just tell them to go away. Then, regardless of the points I've made that were spot on and germane, you cherry pick admittedly tangential responses I've made in discussions with others.

No, you just can't stand someone disagreeing with you. You've done nothing to convince me that Long Island should be avoided at all costs. So far, I'm only convinced that you believe life has treated unfairly because you can't buy everything you want.

U.S. home foreclosures soared in August - Real Estate - MSNBC.com

And for the record I don't believe life has treated me unfairly. I do however believe that cost of living related expenses increase on Long Island at a rate that is nearly impossible to keep up with.

For the last time, which area of East Northport are you re-gentrifying?

[ClarkStreetKid]

Originally Posted by NYNewbie

The guy down the way bought his house 20 years ago for (drum-role) $27,000.

If memory serves me houses in NB were selling for about 130 to 150K 20 years ago. 27K for East Northport sounds like a real bargain or somebody is pulling someones leg.

[clamboy]

Originally Posted by ClarkStreetKid

If memory serves me houses in NB were selling for about 130 to 150K 20 years ago. 27K for East Northport sounds like a real bargain or somebody is pulling someones leg.

Youre right Clark

27k was circa '74 for Miller Place.

C

[ClarkStreetKid]

Here's a map that shows the foreclosure hot spots. The darn graphic is too small to read the numbers but you can still get an idea of where it's bad.

[ClarkStreetKid]

So far NY isn't doing so bad.

From todays Newsday.

newsday.com/business/ny-bzfore0919,0,3781310.story
Newsday.com
Foreclosures jump in NY state

BY TAMI LUHBY

tami.luhby@newsday.com

6:52 AM EDT, September 18, 2007

Foreclosure filings in New York state jumped to 5,498 in August, up 21.2 percent from the same period a year ago, according to figures released today by RealtyTrac, an online marketplace for foreclosure properties.

The state, which had one filing for every 1,428 households in August, ranked 28th in the nation in terms of rate of filings. Filings include default notices, auction sale notices and bank repossessions.

Nationally, there were a total of 243,947 filings in August, up 115 percent from the same period a year earlier. This is the highest number of foreclosure filings in a single month since RealtyTrac began tallying monthly figures in January 2005. There were 510 filings per household nationwide, also the highest figure it has ever issued. Nevada, California and Florida have the highest state foreclosure rates.

"The jump in foreclosure filings this month might be the beginning of the next wave of increased foreclosure activity, as a large number of subprime adjustable rate loans are beginning to reset now," said James J. Saccacio, RealtyTrac's chief executive.

Copyright © 2007, Newsday Inc.