Jesus Christ, some of you fuckers pay a lot of money to live in a dwelling. I'm looking at a 3 bedroom, 2 1/2 bath in North Dallas and the mortgage is like $700 or so. If I went with a 2 bedroom, 2 bath, I could find a nice place for less than $600.
I am terrified of the gas and water bills, though.
Jesus Christ, some of you fuckers pay a lot of money to live in a dwelling. I'm looking at a 3 bedroom, 2 1/2 bath in North Dallas and the mortgage is like $700 or so. If I went with a 2 bedroom, 2 bath, I could find a nice place for less than $600.
I am terrified of the gas and water bills, though.
The only thing that terrifies me is what a 3 bedroom rent would be if I moved to a month-to-month lease.
As it stands, I'm leaving the place I live in now. It's about 700 sq ft, has 1 bd, 1 bath and costs me $1400/month... that's a $300 increase over what it cost when I first moved in 2 years ago.
Looking at 2 bedrooms now, for several reasons - 1) they offer more room, usually 1000 sq ft 2) there is a chance that in the next 2 or 3 years the wife will want to play birth controll roulette 3) change is nice every few years.
The rents we're looking at range from $1800 to $2500 - it really depends on location to mass transit, highways and grocery stores. I like being close to all 3. The HUGE problem with rents like this is it makes it harder to put together a down payment towards actual ownership. Yes, I'm able to save money, but nowhere near as much as I would like to save. Ownership would be nice to have within 5 years, but with the price of real estate in this area I'll only be able to afford a $500,000 closet.
Slungsolow on
fuck your forums, fuck your administrator and fuck dynagrip for getting away with the long troll.
My one bedroom costs $815. I live right next to the office and those fuckers stole the master bedroom and an extra bathroom, when the apartment used to be a 2 br. Nice thing is, that we share utilities so they pay for everything.
I never really worried about the price of utilities... I've never had an electric bill over $60 or a gas bill over $15. I've never had to pay for water, so like... that's cool.
Slungsolow on
fuck your forums, fuck your administrator and fuck dynagrip for getting away with the long troll.
Slung, don't know if you've mentioned yet, but are you looking to stay in the city or settle down in the suburbs of maryland of virginia for the place you want to own?
Slung, don't know if you've mentioned yet, but are you looking to stay in the city or settle down in the suburbs of maryland of virginia for the place you want to own?
I don't plan on leaving Arlington or DC proper. Ever.
The suburbs can suck my postage stamp lawnloving ass.
Slungsolow on
fuck your forums, fuck your administrator and fuck dynagrip for getting away with the long troll.
My base is $25k, plus my $3.5k first year bonus, and then commission. It's not swanky, I don't eat out alot, but the commisions are really starting to kick in at the 6 month mark, effectively doubling my paychecks.
Then there's the spiffs; oh, dear lord, the spiffs.
Remember, Slung, the housing market is about to drop and free-fall for a bit.
If everything I'm seeing and reading points to anything, it's basically "wait and reap the benefits of retards with variable interest loans."
The problem with that is, no one is gonna sell a house they moronically bought for $1.1 million for $500,000 even if that's what it's really worth.
Sad... quite sad.
That's not really the issue though. These people who bought their house for $1.1 million aren't going to be able to afford their mortgage once the variable interest rates kick in over the next few years.
They're going to be effectively priced out of their own home. Plus, ad to the fact that, statistically, almost everyone has been borrowing against their equity... there's gonna be a lot of forclosures in the near future.
Remember, Slung, the housing market is about to drop and free-fall for a bit.
If everything I'm seeing and reading points to anything, it's basically "wait and reap the benefits of retards with variable interest loans."
The problem with that is, no one is gonna sell a house they moronically bought for $1.1 million for $500,000 even if that's what it's really worth.
Sad... quite sad.
That's not really the issue though. These people who bought their house for $1.1 million aren't going to be able to afford their mortgage once the variable interest rates kick in over the next few years.
They're going to be effectively priced out of their own home. Plus, ad to the fact that, statistically, almost everyone has been borrowing against their equity... there's gonna be a lot of forclosures in the near future.
Since you seem to know your shit, when would be the best time to buy a house, relatively, non expensive say $140k?
Remember, Slung, the housing market is about to drop and free-fall for a bit.
If everything I'm seeing and reading points to anything, it's basically "wait and reap the benefits of retards with variable interest loans."
The problem with that is, no one is gonna sell a house they moronically bought for $1.1 million for $500,000 even if that's what it's really worth.
Sad... quite sad.
That's not really the issue though. These people who bought their house for $1.1 million aren't going to be able to afford their mortgage once the variable interest rates kick in over the next few years.
They're going to be effectively priced out of their own home. Plus, ad to the fact that, statistically, almost everyone has been borrowing against their equity... there's gonna be a lot of forclosures in the near future.
Since you seem to know your shit, when would be the best time to buy a house, relatively, non expensive say $140k?
I really don't know my shit.
I've been informed that the best time is after the market "bottoms out" a few times. There are always "rebounds" which can inflate the market. What you need to do is look for those rebounds and don't buy then, because you're not getting the best deal.
Spiffs are incentive programs that manufacturers run to get salespeople to sell their shit; most times it's money, other times they throw free shit at you. One of the guys I work with has a tablet pc worth about $2500 that he got from Lenovo and that's just the tip of the iceberg.
Hmmm. Come to think of it, I might be getting a laptop from HP thanks to all of my sales for them over the last two quarters.
Remember, Slung, the housing market is about to drop and free-fall for a bit.
If everything I'm seeing and reading points to anything, it's basically "wait and reap the benefits of retards with variable interest loans."
The problem with that is, no one is gonna sell a house they moronically bought for $1.1 million for $500,000 even if that's what it's really worth.
Sad... quite sad.
That's not really the issue though. These people who bought their house for $1.1 million aren't going to be able to afford their mortgage once the variable interest rates kick in over the next few years.
They're going to be effectively priced out of their own home. Plus, ad to the fact that, statistically, almost everyone has been borrowing against their equity... there's gonna be a lot of forclosures in the near future.
Since you seem to know your shit, when would be the best time to buy a house, relatively, non expensive say $140k?
I really don't know my shit.
I've been informed that the best time is after the market "bottoms out" a few times. There are always "rebounds" which can inflate the market. What you need to do is look for those rebounds and don't buy then, because you're not getting the best deal.
So how can I tell when the market bottoms out? Or when is the expected next bottoming of the market due?
precisionk on
0
WeaverWho are you?What do you want?Registered Userregular
Remember, Slung, the housing market is about to drop and free-fall for a bit.
If everything I'm seeing and reading points to anything, it's basically "wait and reap the benefits of retards with variable interest loans."
The problem with that is, no one is gonna sell a house they moronically bought for $1.1 million for $500,000 even if that's what it's really worth.
Sad... quite sad.
That's not really the issue though. These people who bought their house for $1.1 million aren't going to be able to afford their mortgage once the variable interest rates kick in over the next few years.
They're going to be effectively priced out of their own home. Plus, ad to the fact that, statistically, almost everyone has been borrowing against their equity... there's gonna be a lot of forclosures in the near future.
Since you seem to know your shit, when would be the best time to buy a house, relatively, non expensive say $140k?
I really don't know my shit.
I've been informed that the best time is after the market "bottoms out" a few times. There are always "rebounds" which can inflate the market. What you need to do is look for those rebounds and don't buy then, because you're not getting the best deal.
So how can I tell when the market bottoms out? Or when is the expected next bottoming of the market due?
Keep an eye on the market and general house prices?
I dunno really.
Callius on
0
WeaverWho are you?What do you want?Registered Userregular
edited February 2007
Hey does anyone know of any actual, honest not-going-to-rip-your-ass-out debt consolidation services? I'm so horrible with money that I doubled my income and still haven't gotten any debt taken care of other than the $7500 I got a hospital to waive for me.
Weaver on
0
WeaverWho are you?What do you want?Registered Userregular
Hey does anyone know of any actual, honest not-going-to-rip-your-ass-out debt consolidation services? I'm so horrible with money that I doubled my income and still haven't gotten any debt taken care of other than the $7500 I got a hospital to waive for me.
a lot of those services will throw a marker on your credit history. if you're cool with that go for it... otherwise, just do your best to pay at least double your minimum payments while cutting back on your expenses. If this is credit card debt, I suggest cutting the cards up now so you don't use them while you're attempting to pay them off.
You're young, you'll have plenty of time in the future to enjoy your income.
Slungsolow on
fuck your forums, fuck your administrator and fuck dynagrip for getting away with the long troll.
Hey does anyone know of any actual, honest not-going-to-rip-your-ass-out debt consolidation services? I'm so horrible with money that I doubled my income and still haven't gotten any debt taken care of other than the $7500 I got a hospital to waive for me.
a lot of those services will throw a marker on your credit history. if you're cool with that go for it... otherwise, just do your best to pay at least double your minimum payments while cutting back on your expenses. If this is credit card debt, I suggest cutting the cards up now so you don't use them while you're attempting to pay them off.
You're young, you'll have plenty of time in the future to enjoy your income.
Also, if they're student loans look into consolidation services. They can really help out.
Hey does anyone know of any actual, honest not-going-to-rip-your-ass-out debt consolidation services? I'm so horrible with money that I doubled my income and still haven't gotten any debt taken care of other than the $7500 I got a hospital to waive for me.
a lot of those services will throw a marker on your credit history. if you're cool with that go for it... otherwise, just do your best to pay at least double your minimum payments while cutting back on your expenses. If this is credit card debt, I suggest cutting the cards up now so you don't use them while you're attempting to pay them off.
You're young, you'll have plenty of time in the future to enjoy your income.
they leave a "marker" on your record? like "kilgore was here" or like "this man cannot pay his shit"?
Jesus Christ, some of you fuckers pay a lot of money to live in a dwelling. I'm looking at a 3 bedroom, 2 1/2 bath in North Dallas and the mortgage is like $700 or so. If I went with a 2 bedroom, 2 bath, I could find a nice place for less than $600.
I am terrified of the gas and water bills, though.
Dude, go smaller. Get a 2 br, unless you need roommates or something. AC in the summer here is a goddamned nightmare on your elec bill.
Hey does anyone know of any actual, honest not-going-to-rip-your-ass-out debt consolidation services? I'm so horrible with money that I doubled my income and still haven't gotten any debt taken care of other than the $7500 I got a hospital to waive for me.
a lot of those services will throw a marker on your credit history. if you're cool with that go for it... otherwise, just do your best to pay at least double your minimum payments while cutting back on your expenses. If this is credit card debt, I suggest cutting the cards up now so you don't use them while you're attempting to pay them off.
You're young, you'll have plenty of time in the future to enjoy your income.
Also, if they're student loans look into consolidation services. They can really help out.
Definitely solid advice. I got all my student loans consolidated through fannie mae. The interest isn't horrible, and its nice to pay everythign off with one payment once a month.
Hey does anyone know of any actual, honest not-going-to-rip-your-ass-out debt consolidation services? I'm so horrible with money that I doubled my income and still haven't gotten any debt taken care of other than the $7500 I got a hospital to waive for me.
a lot of those services will throw a marker on your credit history. if you're cool with that go for it... otherwise, just do your best to pay at least double your minimum payments while cutting back on your expenses. If this is credit card debt, I suggest cutting the cards up now so you don't use them while you're attempting to pay them off.
You're young, you'll have plenty of time in the future to enjoy your income.
It's medical bills, remainder of a car loan that got repo'd. and misc.
Hey does anyone know of any actual, honest not-going-to-rip-your-ass-out debt consolidation services? I'm so horrible with money that I doubled my income and still haven't gotten any debt taken care of other than the $7500 I got a hospital to waive for me.
a lot of those services will throw a marker on your credit history. if you're cool with that go for it... otherwise, just do your best to pay at least double your minimum payments while cutting back on your expenses. If this is credit card debt, I suggest cutting the cards up now so you don't use them while you're attempting to pay them off.
You're young, you'll have plenty of time in the future to enjoy your income.
Definitely solid advice. I got all my student loans consolidated through fannie mae. The interest isn't horrible, and its nice to pay everythign off with one payment once a month.
Also, if they're student loans look into consolidation services. They can really help out.
You may also want to learn how to quote shit properly.
HEARTS!
Callius on
0
RankenphilePassersby were amazedby the unusually large amounts of blood.Registered User, Moderatormod
edited February 2007
I'm still working on squashing some of the debt we sort of inherited when Lindsay discovered the joy of credit cards. She figured she could pay them off with her financial aid, but sort of lost track. It isn't anything unmanageable, and we should have all of it gone in the next couple months, but it was a hell of a lesson.
Now we just maintain the cards to help build our credit rating.
Hmm, I pay £250/month for a room on a £13,250 annual salary, which is quite manageable. The room is tiny, and the bathroom is even tinier. More room would be great as I haven't managed to unpack my books or DVDs yet.
Hey does anyone know of any actual, honest not-going-to-rip-your-ass-out debt consolidation services? I'm so horrible with money that I doubled my income and still haven't gotten any debt taken care of other than the $7500 I got a hospital to waive for me.
a lot of those services will throw a marker on your credit history. if you're cool with that go for it... otherwise, just do your best to pay at least double your minimum payments while cutting back on your expenses. If this is credit card debt, I suggest cutting the cards up now so you don't use them while you're attempting to pay them off.
You're young, you'll have plenty of time in the future to enjoy your income.
Definitely solid advice. I got all my student loans consolidated through fannie mae. The interest isn't horrible, and its nice to pay everythign off with one payment once a month.
Also, if they're student loans look into consolidation services. They can really help out.
You may also want to learn how to quote shit properly.
HEARTS!
oh snaps. Was hoping the edit would go through before your pretty eyes caught that faux pas
Hey does anyone know of any actual, honest not-going-to-rip-your-ass-out debt consolidation services? I'm so horrible with money that I doubled my income and still haven't gotten any debt taken care of other than the $7500 I got a hospital to waive for me.
a lot of those services will throw a marker on your credit history. if you're cool with that go for it... otherwise, just do your best to pay at least double your minimum payments while cutting back on your expenses. If this is credit card debt, I suggest cutting the cards up now so you don't use them while you're attempting to pay them off.
You're young, you'll have plenty of time in the future to enjoy your income.
Also, if they're student loans look into consolidation services. They can really help out.
Definitely solid advice. I got all my student loans consolidated through fannie mae. The interest isn't horrible, and its nice to pay everythign off with one payment once a month.
When I wanted to consolidate a bunch of debt, I just went to a bank. They gave me a loan to cover the credit cards on the condition that they would be cancelled. Then I got set up with a lower limit VISA from them.
Got about 8% interest from them versus the 18+ that the CCs charge. Also, in Canada you can write off the interest on student loans so you should never include them in consolidation plans. The interest rate on them is pretty low too.
I'm going to cut this bastard's throat and run with it.
!!!
Janson on
0
RankenphilePassersby were amazedby the unusually large amounts of blood.Registered User, Moderatormod
edited February 2007
we pay $725 for a two-bedroom apartment/duplex that is not tiny but certainly a challenge. The kitchen has, literally, about five square feet of counterspace, which is entirely taken up by the countertop dishwasher. The bathroom is so narrow that you have to turn sideways to get betweent he sink and the shower. And there are no vents in the doors or anything, and the heat is in the hallway, so if you want to do anything in either of the bedrooms during the winter you have to keep the doors open or you'll fucking freeze.
The insulation isn't great, either. The heater seems to always be on. It isn't a bad place, and the price isn't bad for the area, but I'd like a larger place some time next year, I think.
we pay $725 for a two-bedroom apartment/duplex that is not tiny but certainly a challenge. The kitchen has, literally, about five square feet of counterspace, which is entirely taken up by the countertop dishwasher. The bathroom is so narrow that you have to turn sideways to get betweent he sink and the shower. And there are no vents in the doors or anything, and the heat is in the hallway, so if you want to do anything in either of the bedrooms during the winter you have to keep the doors open or you'll fucking freeze.
The insulation isn't great, either. The heater seems to always be on. It isn't a bad place, and the price isn't bad for the area, but I'd like a larger place some time next year, I think.
Posts
I am terrified of the gas and water bills, though.
How much do you make, salary wise?
As it stands, I'm leaving the place I live in now. It's about 700 sq ft, has 1 bd, 1 bath and costs me $1400/month... that's a $300 increase over what it cost when I first moved in 2 years ago.
Looking at 2 bedrooms now, for several reasons - 1) they offer more room, usually 1000 sq ft 2) there is a chance that in the next 2 or 3 years the wife will want to play birth controll roulette 3) change is nice every few years.
The rents we're looking at range from $1800 to $2500 - it really depends on location to mass transit, highways and grocery stores. I like being close to all 3. The HUGE problem with rents like this is it makes it harder to put together a down payment towards actual ownership. Yes, I'm able to save money, but nowhere near as much as I would like to save. Ownership would be nice to have within 5 years, but with the price of real estate in this area I'll only be able to afford a $500,000 closet.
AC 24/7 bitches, IN THE WINTER.
If everything I'm seeing and reading points to anything, it's basically "wait and reap the benefits of retards with variable interest loans."
Sad... quite sad.
I don't plan on leaving Arlington or DC proper. Ever.
The suburbs can suck my postage stamp lawnloving ass.
My base is $25k, plus my $3.5k first year bonus, and then commission. It's not swanky, I don't eat out alot, but the commisions are really starting to kick in at the 6 month mark, effectively doubling my paychecks.
Then there's the spiffs; oh, dear lord, the spiffs.
They're going to be effectively priced out of their own home. Plus, ad to the fact that, statistically, almost everyone has been borrowing against their equity... there's gonna be a lot of forclosures in the near future.
Since you seem to know your shit, when would be the best time to buy a house, relatively, non expensive say $140k?
I really don't know my shit.
I've been informed that the best time is after the market "bottoms out" a few times. There are always "rebounds" which can inflate the market. What you need to do is look for those rebounds and don't buy then, because you're not getting the best deal.
Hmmm. Come to think of it, I might be getting a laptop from HP thanks to all of my sales for them over the last two quarters.
So how can I tell when the market bottoms out? Or when is the expected next bottoming of the market due?
http://seattle.craigslist.org/see/rfs/269988930.html
Keep an eye on the market and general house prices?
I dunno really.
http://seattle.craigslist.org/see/rfs/268331553.html
a lot of those services will throw a marker on your credit history. if you're cool with that go for it... otherwise, just do your best to pay at least double your minimum payments while cutting back on your expenses. If this is credit card debt, I suggest cutting the cards up now so you don't use them while you're attempting to pay them off.
You're young, you'll have plenty of time in the future to enjoy your income.
Also, if they're student loans look into consolidation services. They can really help out.
they leave a "marker" on your record? like "kilgore was here" or like "this man cannot pay his shit"?
Dude, go smaller. Get a 2 br, unless you need roommates or something. AC in the summer here is a goddamned nightmare on your elec bill.
Definitely solid advice. I got all my student loans consolidated through fannie mae. The interest isn't horrible, and its nice to pay everythign off with one payment once a month.
It's medical bills, remainder of a car loan that got repo'd. and misc.
You may also want to learn how to quote shit properly.
HEARTS!
Now we just maintain the cards to help build our credit rating.
oh snaps. Was hoping the edit would go through before your pretty eyes caught that faux pas
Link
It's just sitting there on his desk.
I'm going to cut this bastard's throat and run with it.
When I wanted to consolidate a bunch of debt, I just went to a bank. They gave me a loan to cover the credit cards on the condition that they would be cancelled. Then I got set up with a lower limit VISA from them.
Got about 8% interest from them versus the 18+ that the CCs charge. Also, in Canada you can write off the interest on student loans so you should never include them in consolidation plans. The interest rate on them is pretty low too.
!!!
The insulation isn't great, either. The heater seems to always be on. It isn't a bad place, and the price isn't bad for the area, but I'd like a larger place some time next year, I think.
edit: hahahaha love ya, hippie
shield.
(shared)
I know. He gets a $2500 machine for free and what do I get? "You need to start making more dials, Mike."
Fuck.
To J.Grant: Yes. That is wise.