Men, let's read, meet and discuss some books over some food and/or coffee! We'll take turns in selecting a new read for each meetup and meet on a monthly basis.
Join us!
Upcoming Meetups
Thursday, December 5, 2013 6:30 PM
Read, "Coming Apart: The State of White America, 1960-2010"
Men, let's read, meet and discuss some books over some food and/or coffee! We'll take turns in selecting a new read for each meetup and meet on a monthly basis.
Join us!
Upcoming Meetups
Thursday, December 5, 2013 6:30 PM
Read, "Coming Apart: The State of White America, 1960-2010"
:l
they're not racists they're just racial realists i bet
Men, let's read, meet and discuss some books over some food and/or coffee! We'll take turns in selecting a new read for each meetup and meet on a monthly basis.
Join us!
Upcoming Meetups
Thursday, December 5, 2013 6:30 PM
Read, "Coming Apart: The State of White America, 1960-2010"
Francis Grose's A Classical Dictionary of The Vulgar Tongue (1785) lists the word as "C**t. The chonnos of the Greek, and the cunnus of the Latin dictionaries; a nasty name for a nasty thing: un con Miege."[13]
Seriously, that would be tens of thousands. I thought it was much much lower for first time home buyers.
It's less if you can qualify for an FHA, then it's only 5 or I think in some cases 3.5%
Damn I hope so. I've been saving for 2 years and have nowhere near 20%.
For an FHA loan, the down payment is 3.5%, but you also have to pay closing costs at the time of purchase, so it is effectively 5%.
Also keep in mind that your monthly payments will be much higher. not just because of the lower down payment, but because you must also pay additional per month for mortgage insurance on FHA loans. You can't recoup mortgage insurance and it doesn't add to your equity.
the higher your down payment, the lower your mortgage insurance payments. So it's a good idea to exceed that 5% minimum by as much as you possibly can.
every person who doesn't like an acquired taste always seems to think everyone who likes it is faking it. it should be an official fallacy.
So I think I'm going to get an Xbox One (wife wants to wait until Xmas but I don't want anyone getting me that expensive of a gift) over the PS4 for the following reasons:
PS4's better graphics won't really be harnessed for a few years
I can keep the controller/XBL I'm used to
Seems to have better media options, and I'm more familiar with twitch
Kinect is apparently now compatible with not huge rooms
So I think I'm going to get an Xbox One (wife wants to wait until Xmas but I don't want anyone getting me that expensive of a gift) over the PS4 for the following reasons:
PS4's better graphics won't really be harnessed for a few years
I can keep the controller/XBL I'm used to
Seems to have better media options, and I'm more familiar with twitch
Kinect is apparently now compatible with not huge rooms
Tell me why I'm wrong
By the time there are games they will be cheaper.
Homogeneous distribution of your varieties of amuse-gueule
+1
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CambiataCommander ShepardThe likes of which even GAWD has never seenRegistered Userregular
Seriously, that would be tens of thousands. I thought it was much much lower for first time home buyers.
My wife and I bought a house this summer with a 5% down payment. So it's definitely possible, although sellers are much more likely to accept an offer with a 20% payment than anything lower, so it can be tough if you're competing with other potential buyers.
I think this is accurate, I'm pretty sure some FHA programs let you do as low as a 3% down payment, but not sure if those are phased out or not...
Also, sellers are less concerned about the down payment amount, that's between you and the bank so they get the same either way.
Offer more $$$ in earnest money. You can always say the house failed your inspection / wasn't up to your standards and keep earnest money if you want to back out. But...offering ten large in earnest money will get you a lot of attention over any competing buyers, and the money will go towards your down payment anyway. Just make sure you are serious.
0
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21stCenturyCall me Pixel, or Pix for short![They/Them]Registered Userregular
huh, I just realized something.
The french film, "Le Diner de Cons" was translated and called "Dinner for Schmucks" in english, right?
So I think I'm going to get an Xbox One (wife wants to wait until Xmas but I don't want anyone getting me that expensive of a gift) over the PS4 for the following reasons:
PS4's better graphics won't really be harnessed for a few years
I can keep the controller/XBL I'm used to
Seems to have better media options, and I'm more familiar with twitch
Kinect is apparently now compatible with not huge rooms
Tell me why I'm wrong
the first two also work as strikes against buying the XBO in the near future
are twitch, media, and kinect selling points for you?
0
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CindersWhose sails were black when it was windyRegistered Userregular
So I think I'm going to get an Xbox One (wife wants to wait until Xmas but I don't want anyone getting me that expensive of a gift) over the PS4 for the following reasons:
PS4's better graphics won't really be harnessed for a few years
I can keep the controller/XBL I'm used to
Seems to have better media options, and I'm more familiar with twitch
Kinect is apparently now compatible with not huge rooms
Tell me why I'm wrong
Playstation Plus in the current generation is pretty generous. I imagine that trend will continue.
The Netflix interface has now been standardized across all devices so if that's a part of your media experience there will be no difference.
Seriously, that would be tens of thousands. I thought it was much much lower for first time home buyers.
It's less if you can qualify for an FHA, then it's only 5 or I think in some cases 3.5%
Damn I hope so. I've been saving for 2 years and have nowhere near 20%.
For an FHA loan, the down payment is 3.5%, but you also have to pay closing costs at the time of purchase, so it is effectively 5%.
Also keep in mind that your monthly payments will be much higher. not just because of the lower down payment, but because you must also pay additional per month for mortgage insurance on FHA loans. You can't recoup mortgage insurance and it doesn't add to your equity.
the higher your down payment, the lower your mortgage insurance payments. So it's a good idea to exceed that 5% minimum by as much as you possibly can.
We were planning to try and save up at least 5% if not more when we buy a house. Right now we were looking at modulars in a nice little village down the road from where our son's new high school is going to be. The pricing on them is reasonable and it's just far enough out of the city that we don't have to worry about noise but close enough that it's not a huge commute for work, etc.
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make deebs feel really loved for a few seconds
the strat is just pick a few you like and bookmark them
It's less if you can qualify for an FHA, then it's only 5 or I think in some cases 3.5%
twitch.tv/tehsloth
that's weird
youtube inserts a little play-arrow into the tab title when the video is active
Bro.
*dap*
Damn I hope so. I've been saving for 2 years and have nowhere near 20%.
Join us!
Upcoming Meetups
Thursday, December 5, 2013 6:30 PM
Read, "Coming Apart: The State of White America, 1960-2010"
:l
they're not racists they're just racial realists i bet
60,000 downpayment T_T
Go and choose 12 Years A Slave as your book.
My picture is just a model, but I think it's supposed to be the Xuankong Temple in China.
For an FHA loan, the down payment is 3.5%, but you also have to pay closing costs at the time of purchase, so it is effectively 5%.
Also keep in mind that your monthly payments will be much higher. not just because of the lower down payment, but because you must also pay additional per month for mortgage insurance on FHA loans. You can't recoup mortgage insurance and it doesn't add to your equity.
the higher your down payment, the lower your mortgage insurance payments. So it's a good idea to exceed that 5% minimum by as much as you possibly can.
the "no true scotch man" fallacy.
PS4's better graphics won't really be harnessed for a few years
I can keep the controller/XBL I'm used to
Seems to have better media options, and I'm more familiar with twitch
Kinect is apparently now compatible with not huge rooms
Tell me why I'm wrong
QEDMF xbl: PantsB G+
Ah, I was mistaking it for the Taktshang Goemba.
By the time there are games they will be cheaper.
Unless Miss USA is the hater, because you can't beat superior robotics with a sword, Europeans!
On my sleeve, let the runway start
I think this is accurate, I'm pretty sure some FHA programs let you do as low as a 3% down payment, but not sure if those are phased out or not...
Also, sellers are less concerned about the down payment amount, that's between you and the bank so they get the same either way.
Offer more $$$ in earnest money. You can always say the house failed your inspection / wasn't up to your standards and keep earnest money if you want to back out. But...offering ten large in earnest money will get you a lot of attention over any competing buyers, and the money will go towards your down payment anyway. Just make sure you are serious.
The french film, "Le Diner de Cons" was translated and called "Dinner for Schmucks" in english, right?
Con is the french C-word. Schmuck means the D.
:O
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the first two also work as strikes against buying the XBO in the near future
are twitch, media, and kinect selling points for you?
Well, not without a katana.
I think it's kind of the best thing now.
i dont need or want my xbone listening to me all of the time or watching which ads i'm looking at
i get that some people like it but it's not for me
it's probably the biggest reason i'm considering changing camps this generation
USA
USA
Storm's comin'.
Playstation Plus in the current generation is pretty generous. I imagine that trend will continue.
The Netflix interface has now been standardized across all devices so if that's a part of your media experience there will be no difference.
Voltron disagrees!
change camps
I am going to also probably change camps
We were planning to try and save up at least 5% if not more when we buy a house. Right now we were looking at modulars in a nice little village down the road from where our son's new high school is going to be. The pricing on them is reasonable and it's just far enough out of the city that we don't have to worry about noise but close enough that it's not a huge commute for work, etc.
there are no games
Someone needs to tell that dude to move his truck.
Ever seen what salt water does to a vehicle?