Hapa_Fodder

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Musashi is a beast and Nelson are both good! You have a lot of ships coming, but I have a BAD feeling WG is going to money grab and not offer them for FXP even though they said they'd never SELL Tier IX or X premiums... you have Vanguard, Bourgoign and Alaska coming. But TBH get Nelson! Get Musashi, both very good.

Hooyah Seebee!

When you and your Div m8 have to carry......

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BIGGEST THING @Mykk, before you even look at buying, MAKE SURE your DTI (debt to income) is at or BELOW 30%

Well not gonna lie when I say I am TRYING to keep that mentality about the entire ordeal "not meant to be and I'm better off." HOWEVER, I am not particularly seeing things in that fashion, being quite discouraged and let down right now.

Also, keep in mind it's not all gloom and doom! It has been fun looking at houses and seeing that stuff, the nit and grit is what you have to be careful for!

When this process is over, I will be writing a blog for it, whether I get the house or not.... DEFINITELY read and heed.... There is A LOT that I didn't know... And everyone I asked, no one mentions some of the stuff.

WELL, now I may not be getting the house at all. Due to the fact that the ex and I did an "addendum to child support" and had it notarized to lower the child support. That is not a legally binding document, which means the underwriter would be using the original divorce decree amount that I agreed upon when I was active duty. So my debt to income ratio looks really high, when it actually is quite manageable....... Getting that straightened out in the courts may take up to 4 months....

So the seller countered... lowering the price by 1k, said he'd fix a lot of the minor stuff but that's it... my first reaction was to get pissed and tell my realtor I'm done! Cause I will have to spend about $3-4k to replace the remaining old siding and about $5k (low ball guess) to replace windows in the whole house..... But my realtor reminded me that the seller was asking for $150k for the house... I'm getting it for $140k, plus the seller is paying $6k of the closing costs, $565 for a 1 yr warranty on the house (pretty good for a 30 yr old house) and repairing a lot of minor stuff I won't have to worry about. so in the end, I guess I'm making out pretty good. I guess I know what I'm using my first years taxes on...... So in the end I'm making out. Still waiting on the appraisal though, that's the next hurtle I suppose....

Well the up front insurance cost I guess is to go into escrow, but its required. Had my inspection today. I am talking to the realtor because I am going to ask to renegotiate the price as the windows and siding needs to be replaced. Looks like they replaced the siding with good quality cement siding up about 8 feet, the rest is original and in poor condition and needs to be replaced. And the windows are also original, several panes cracked. We'll see how that goes... I'll take the house as is, but I want the price lowered.

UGH! One thing I did NOT count on is paying a full year of home owners insurance up front.... and where I live I have to have homeowners insurance, then Wind/Storm insurance, I don't need flooding insurance, but the boy scout in me is paying for it.... All said and done, even though the seller is paying most the closing costs I am shelling out around $5000 up front for all that, didn't count on that much on top of the money I am paying at closing.....

if you wanna see a couple video's about the Krondstadt, I did 2 on my YouTube channel, links below. Krondstadt is not the typical Russian Cruiser. It's not bow tanky. It is a fun cruiser, but TBH, if you don't have the NELSON yet (cheaper!), I would get that first, it is a VERY fun ship and poops credits. If you are dead set on a tier 9 premium, go for the Musashi, it's guns are phenomenal, and it can tank a lot of dmg, but buyer beware, it has almost NO AA and secondaries, the turret rotation is atrocious, acceleration is not the best. But it IS a Yamato at tier 9. I have found, AND THIS IS JUST ME FYI, that I have significantly better accuracy with the Musashi than I do my Yamato! Dunno why, Erza and @Koudai have both seen me play both ships and I always do HORRIBLY in the Yamato, like under 100k average, but put me in a Musashi and I will dish out 200k dmg no worries...... So you just have to be careful. Jean Bart is coming, but I think that will be lack luster compared to Musashi, the Alaska too is coming however she will also be lack luster unless you are really good with US cruisers, then she will probably be fun. Alaska is going to be a true "Battle Cruiser" in that she is fast, can tank dmg and dish it out, but can't take too much dmg from top tier BB's.

OFFER ACCEPTED! I might actually have a home shortly! Well that's a relative statement...