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MTG#10
07-20-2009, 10:07 AM
Finally got moved in to my apartment yesterday. It really sucks going from a 2200 square foot house with a nice fenced-in back yard and 2 car garage to a 1700 square foot apartment on the third floor. At least its a fresh start though and I dont have to answer to anyone or worry about stupid frilly drapes and shit. :)

Jilly
07-20-2009, 10:09 AM
Cheers!!!! Start collecting cups at your local beer joint.

Phobia
07-20-2009, 10:10 AM
1700 sq ft apartment? That's massive.

Katipan
07-20-2009, 10:11 AM
heh I've never lived in a 1700 square foot apartment.
You can stack alot of hookers in that kind of space.

Katipan
07-20-2009, 10:11 AM
1700 sq ft apartment? That's massive.

You don't know what you're talking about.

MTG#10
07-20-2009, 10:12 AM
1700 sq ft apartment? That's massive.

Yeah its a 3 bedroom. They say its 1700 square foot but Im guessing they're rounding up quite a bit.

Phobia
07-20-2009, 10:12 AM
You don't know what you're talking about.

Almost always.

Pestilence
07-20-2009, 10:14 AM
Yeah its a 3 bedroom. They say its 1700 square foot but Im guessing they're rounding up quite a bit.

Jesus. I'm renting a 1700 square foot house right now. That's one big ass apartment if it's close to 1700.

Skip Towne
07-20-2009, 10:15 AM
That's massive.
That's what she said.

Saulbadguy
07-20-2009, 10:15 AM
Yeah its a 3 bedroom. They say its 1700 square foot but Im guessing they're rounding up quite a bit.

Sounds pricey for someone who didn't have enough money for a lawyer.

Unless it's in the ghetto.

wutamess
07-20-2009, 10:15 AM
Always.

Fixed.

ChiefButthurt
07-20-2009, 10:18 AM
Sounds pricey for someone who didn't have enough money for a lawyer.

Unless it's in the ghetto.


That's what will happen when you air your laundry on CP.......STFU

MTG#10
07-20-2009, 10:22 AM
Sounds pricey for someone who didn't have enough money for a lawyer.

Unless it's in the ghetto.

I didnt have enough for a retainer fee. My deposit was $300 and the rent is $675/month. Thats $400 a month less than my house payment and no its not in the ghetto...its 2 blocks from my house.

JD10367
07-20-2009, 10:24 AM
Never had a house. I'd love one, to be able to make whatever noise I want and get whatever animals I want. I'm also tired of hearing footsteps tromping above my head.

On the other hand, apartment living has its advantages:

1.) No property tax. Not to mention water/sewer bills, trash collection bills, or any of that stuff.

2.) No repair costs/issues. (No furnaces or A/C to replace, no leaky roof to fix or fallen tree to have cut up or downed fence to repair or leaky basement to pump out.)

3.) Less worry about break-ins, especially if you're not on the 1st floor.

Donger
07-20-2009, 10:26 AM
Never had a house. I'd love one, to be able to make whatever noise I want and get whatever animals I want. I'm also tired of hearing footsteps tromping above my head.

On the other hand, apartment living has its advantages:

1.) No property tax. Not to mention water/sewer bills, trash collection bills, or any of that stuff.

2.) No repair costs/issues. (No furnaces or A/C to replace, no leaky roof to fix or fallen tree to have cut up or downed fence to repair or leaky basement to pump out.)

3.) Less worry about break-ins, especially if you're not on the 1st floor.

Equity is a beautiful thing.

JD10367
07-20-2009, 10:34 AM
Equity is a beautiful thing.

Yeah, if you're at the right end of the timeline. On the other hand, not having a massive 30-year mortgage hanging over your head, in a horrible economy where any of us might lose our jobs at the drop of a hat, is also a beautiful thing. :)

Groves
07-20-2009, 10:39 AM
I live in a 1400 sq ft house with my wife and 3 kids. You've got a nice place.

I still don't understand the lure of renting when the mortgage is always so much less. Not to mention this is a great time to buy a house.

Katipan
07-20-2009, 10:42 AM
I live in a 1400 sq ft house with my wife and 3 kids. You've got a nice place.

I still don't understand the lure of renting when the mortgage is always so much less. Not to mention this is a great time to buy a house.

...

So coy.

CaliforniaChief
07-20-2009, 10:44 AM
Equity was a beautiful thing.

FYP

MTG#10
07-20-2009, 10:47 AM
I live in a 1400 sq ft house with my wife and 3 kids. You've got a nice place.

I still don't understand the lure of renting when the mortgage is always so much less. Not to mention this is a great time to buy a house.

Believe me, I wish I could have kept my house. I just cant afford it. I really cant afford this apartment either but I had to get a 3 bedroom if I want any chance at all at custody of my 3 kids.

Donger
07-20-2009, 10:50 AM
FYP

Heh. Depending on where one lives, yes.

Groves
07-20-2009, 10:51 AM
So coy.

Not sure I understand.

I'm quite happy for him. The greatest apartment in the world isn't enough to cover the pain he's going through. I sure don't begrudge him whatever place he picks out.

Katipan
07-20-2009, 10:54 AM
Not sure I understand.

I'm quite happy for him. The greatest apartment in the world isn't enough to cover the pain he's going through. I sure don't begrudge him whatever place he picks out.

It's your wide eyed child like wonderment that someone would rent over buying. :rolleyes: As if everyone is blessed with the necessary qualifications to make that choice go the other way.

JD10367
07-20-2009, 11:00 AM
I live in a 1400 sq ft house with my wife and 3 kids. You've got a nice place.

I still don't understand the lure of renting when the mortgage is always so much less. Not to mention this is a great time to buy a house.

Well, as I said in the post above that, not having a massive 30-year mortgage hanging over your head, in a horrible economy where any of us might lose our jobs at the drop of a hat, is a pretty good thing. Yeah, it's a great time to buy a house... unless you lose your job right afterwards, and/or/then try to sell said house in the bad economy.

It actually amazes me how people make do these days, with kids and mortgages and whatnot. My wife and I have no kids, and no house costs, and while we don't make doctor or lawyer money we don't make minimum wage either, and while we live comfortably (cruises twice a year, and periodic donations to the Native Americans at the nearby casinos) we don't live lavishly otherwise. How someone making $10 an hour with three kids and a mortgage can do it is amazing; how people who then lose an income, have child support, or have an unexpected expense appear (car bill, hospitalization, etc.,.)... :shake: It's frigging scary. If I had a mortgage and/or kids, I'd be so worry that my already-high BP would probably be averaging around 190/130.

Groves
07-20-2009, 11:02 AM
It's your wide eyed child like wonderment that someone would rent over buying. :rolleyes: As if everyone is blessed with the necessary qualifications to make that choice go the other way.

Ah, I understand now.

I would be a real jerk by saying those things.

It certainly isn't and wasn't my intention.

There are a lot of good reasons for renting (lack of down payment, a knowingly short-term situation, etc).

Separate from MTG's situation, there are people who just always choose to rent, even if the monthly costs are higher. I'm not always sure that's a good idea.

Katipan is correct, though, and my comments were not well thought out for posting in this thread particularly.

RJ
07-20-2009, 11:11 AM
Good for you, MTG. You'll do well having a fresh start in your own place, as opposed to a place that belonged to both of you.

stumppy
07-20-2009, 11:57 AM
Congrats Kerry :clap:

One step at a time. Before you know it all the crappy shit that's happened will be a distant memory.





Oh yea, did the youngster ever get down to your place and get the book from you ?

DeezNutz
07-20-2009, 12:05 PM
Only thing to worry about now is how to disperse the smell of strange from your bedroom.

Hope the change is a positive one.

MTG#10
07-20-2009, 12:14 PM
Congrats Kerry :clap:

One step at a time. Before you know it all the crappy shit that's happened will be a distant memory.





Oh yea, did the youngster ever get down to your place and get the book from you ?

No I dropped it off with his step dad.

MTG#10
07-20-2009, 12:14 PM
Only thing to worry about now is how to disperse the smell of strange from your bedroom.

Hope the change is a positive one.

Im the first tenant. My building is brand new.

alanm
07-20-2009, 12:20 PM
Never had a house. I'd love one, to be able to make whatever noise I want and get whatever animals I want. I'm also tired of hearing footsteps tromping above my head.

On the other hand, apartment living has its advantages:

1.) No property tax. Not to mention water/sewer bills, trash collection bills, or any of that stuff.

2.) No repair costs/issues. (No furnaces or A/C to replace, no leaky roof to fix or fallen tree to have cut up or downed fence to repair or leaky basement to pump out.)

3.) Less worry about break-ins, especially if you're not on the 1st floor.No equity for old age. :D

DeezNutz
07-20-2009, 12:21 PM
Im the first tenant. My building is brand new.

The strange you bring in, bud.

alanm
07-20-2009, 12:21 PM
Equity is a beautiful thing.That's what I get for not reading the whole thing.
Damn you Donger!!:cuss:

BigMeatballDave
07-20-2009, 12:22 PM
Im the first tenant. My building is brand new.Cool. That's a nice size apartment, too.

stumppy
07-20-2009, 12:23 PM
No I dropped it off with his step dad.


Cool, I appreciate it. Especially since I'm the one who'll end up working on it if it breaks down.

Pioli Zombie
07-20-2009, 12:30 PM
Try going from a 4 level split to a 700 square foot apt. And then have the bitch say you should have gotten a smaller apartment.
Posted via Mobile Device

Demonpenz
07-20-2009, 12:42 PM
that apartment sounds like it sucks. I would have tried to get back with your EX to keep the house

JD10367
07-20-2009, 01:29 PM
Wow, you guys with your divorce stories. It's horrible.

My marriage goes south, I'm investing in the Foolproof Divorce Kit.*

http://www.dijoism.com/ropeAndShovel.jpg

*EDITOR'S NOTE: This post was done as a poor attempt at humor. I do not advocate killing one's spouse because <strike>you almost always get caught</strike> it's a very bad thing to do. Really. Don't do it. <strike>Unless you have a large plot of woods nearby and no animals that dig things up.</strike>

MOhillbilly
07-20-2009, 01:35 PM
Wow, you guys with your divorce stories. It's horrible.

My marriage goes south, I'm investing in the Foolproof Divorce Kit.*

http://www.dijoism.com/ropeAndShovel.jpg

*EDITOR'S NOTE: This post was done as a poor attempt at humor. I do not advocate killing one's spouse because <STRIKE>you almost always get caught</STRIKE> it's a very bad thing to do. Really. Don't do it. <STRIKE>Unless you have a large plot of woods nearby and no animals that dig things up.</STRIKE>

you are doin it wrong bruv.

MTG#10
07-20-2009, 03:50 PM
Try going from a 4 level split to a 700 square foot apt. And then have the bitch say you should have gotten a smaller apartment.
Posted via Mobile Device

Yeah things could be a lot worse. I am actually very lucky, at least I still have my job and my health.

Halfcan
07-20-2009, 03:58 PM
congrats on the new place!

CoMoChief
07-20-2009, 04:11 PM
Never had a house. I'd love one, to be able to make whatever noise I want and get whatever animals I want. I'm also tired of hearing footsteps tromping above my head.

On the other hand, apartment living has its advantages:

1.) No property tax. Not to mention water/sewer bills, trash collection bills, or any of that stuff.

2.) No repair costs/issues. (No furnaces or A/C to replace, no leaky roof to fix or fallen tree to have cut up or downed fence to repair or leaky basement to pump out.)

3.) Less worry about break-ins, especially if you're not on the 1st floor.

You won't ever experience real wealth then.

Buehler445
07-20-2009, 04:14 PM
You won't ever experience real wealth then.

Oh my FUCKING God. You really think that a motherfucking HOUSE is the key to wealth?
That's the dumbest shit I've heard today. And Midnight_douche is back.
Posted via Mobile Device

BigMeatballDave
07-20-2009, 04:17 PM
You won't ever experience real wealth then.:spock:

CoMoChief
07-20-2009, 04:25 PM
Oh my ****ING God. You really think that a mother****ing HOUSE is the key to wealth?
That's the dumbest shit I've heard today. And Midnight_douche is back.
Posted via Mobile Device

Is owning a house the "key" to wealth? I don't know what you mean by "key" to wealth. More than likely someone that owns has more wealth that someone that rents. Just like the previous post said, Equity is a great thing.

Unless you're single all your life and choose to just live in an apartment, I don't see how my statement was false.

Pioli Zombie
07-20-2009, 04:45 PM
Yeah things could be a lot worse. I am actually very lucky, at least I still have my job and my health.
Yup. Everyday I thank God for Him, my kids, our health, my job, my car, my home, for food and clothing. If the cost of having the rest was going back to THAT its not worth it.

Hey, take the kids to see UP. Its a great movie for someone in grief to go to.

Its just a house.
Posted via Mobile Device

Buehler445
07-20-2009, 05:03 PM
Is owning a house the "key" to wealth? I don't know what you mean by "key" to wealth. More than likely someone that owns has more wealth that someone that rents. Just like the previous post said, Equity is a great thing.

Unless you're single all your life and choose to just live in an apartment, I don't see how my statement was false.

Heh. It is wrong. Even if weren't stated incorrectly, the premise is still stupid. I added some blue for clarification.

You [somebody who won't purchase a home] won't ever experience real wealth [subject to opinion, but real wealth, IMO is much more than just being able to retire] then.

You essentially stated that a person who doesn't buy a house CANNOT achieve real wealth. That is just plain ass stupid. There are lots of people that rent houses in downtown NY that have more money than you could ever even imagine. There are even more people that plow every single cent they make into a profitable business and it never made financial sense to purchase a home. Your statement is just plain incorrect dude. Sorry.

Even then, there is very little correlation between achieving significant wealth and owning a home. Other than you have the income to make a payment on one. Owning a home doesn't even generate revenue! It appreciates in value and is a very good investment for most Americans over the long term, but associating it with achieving wealth is weak.

In fact, it is counter-intuitive. Most genuinely wealthy people have a revenue source that has a high rate of return. In this case, it would be prudent to forgo the purchase of a home and invest ALL of their capital in the revenue source. Take an oil well for example. If someone buys land and puts in a profitable oil well, it will produce more profit (generate wealth) than will a house on a lot (unless you rent it out for A LOT). This situation would suggest that purchasing MORE oil wells would be a better investment than the purchase of a house. That's just an easy example. Most people don't do it because they have a goal of owning a home, but your assertion is wrong.

To suggest that one won't get wealthy without the purchase of a home is assenine. It is merely a cultural norm to purchase a house when you have (or don't) the means.

Your statement is stupid.

ChiTown
07-20-2009, 05:11 PM
Yeah its a 3 bedroom. They say its 1700 square foot but Im guessing they're rounding up quite a bit.

Many times, in apartments (as they do in office space), they include some of the common areas as part of your sq footage.

Baconeater
07-20-2009, 05:13 PM
Never had a house. I'd love one, to be able to make whatever noise I want and get whatever animals I want. I'm also tired of hearing footsteps tromping above my head.

On the other hand, apartment living has its advantages:

1.) No property tax. Not to mention water/sewer bills, trash collection bills, or any of that stuff.

2.) No repair costs/issues. (No furnaces or A/C to replace, no leaky roof to fix or fallen tree to have cut up or downed fence to repair or leaky basement to pump out.)

3.) Less worry about break-ins, especially if you're not on the 1st floor.
LOL @ you thinking you're not paying for that stuff.

Skip Towne
07-20-2009, 05:15 PM
LOL @ you thinking you're not paying for that stuff.

He's right, the rent fairy is paying it.

Fairplay
07-20-2009, 05:23 PM
Congrats MTG. I hope your life gets better.

JOhn
07-20-2009, 06:02 PM
Try going from a 4 level split to a 700 square foot apt. And then have the bitch say you should have gotten a smaller apartment.
Posted via Mobile Device

THIS


Went from a 2600 square ft house, with 5 bedrooms, to a 2 bedroom house with no yard & ghetto neighbors. 2 boys in 1 room & daughter in other, dad gets the couch. Still trying to find a 3 bedroom, but it's all OK (sorta) at least I got the kids :clap:

JOhn
07-20-2009, 06:03 PM
you are doin it wrong bruv.

No shit, I hear that dousing her in pigs blood & leaving the body in the woods, in Grizzly country works well. What the bear doesn't eat, the wolves & coyotes scatter :D

Of course this is just what I heard, and Bwana can vouch we were only out 4 wheeling that day ROFL

luv
07-20-2009, 07:13 PM
Finally got moved in to my apartment yesterday. It really sucks going from a 2200 square foot house with a nice fenced-in back yard and 2 car garage to a 1700 square foot apartment on the third floor. At least its a fresh start though and I dont have to answer to anyone or worry about stupid frilly drapes and shit. :)

A 1700 sq ft apartment? That's huge.

JD10367
07-20-2009, 07:18 PM
LOL @ you thinking you're not paying for that stuff.

Your furnace breaks: you have to pay thousands immediately, or freeze to death.

Your roof suddenly leaks: you have to pay thousands immediately, or everything you own is ruined.

Your basement floods: you have to pay thousands immediately, or everything you own is ruined.

Your A/C breaks: you have to pay thousands, or swelter to death.

You pay rent: they can jack it once a year, usually, and even then usually not more than thirty bucks or so.

(And half the people with houses probably more just in property tax than I pay for a year's rent.)

milkman
07-20-2009, 07:23 PM
Congrats on the move MTG.

Need any milk crate tables and chairs?

Skip Towne
07-20-2009, 07:37 PM
Your furnace breaks: you have to pay thousands immediately, or freeze to death.

Your roof suddenly leaks: you have to pay thousands immediately, or everything you own is ruined.

Your basement floods: you have to pay thousands immediately, or everything you own is ruined.

Your A/C breaks: you have to pay thousands, or swelter to death.

You pay rent: they can jack it once a year, usually, and even then usually not more than thirty bucks or so.

(And half the people with houses probably more just in property tax than I pay for a year's rent.)

Your thousands here and thousands there are gross exaggerations. And no they don't pay more in taxes than you pay in rent. Typically, a landlord will add up all the costs of the apt and add 30% for himself in determining the rent. Renting is not cheaper than owning.

Baconeater
07-20-2009, 07:39 PM
Your furnace breaks: you have to pay thousands immediately, or freeze to death.

Your roof suddenly leaks: you have to pay thousands immediately, or everything you own is ruined.

Your basement floods: you have to pay thousands immediately, or everything you own is ruined.

Your A/C breaks: you have to pay thousands, or swelter to death.

You pay rent: they can jack it once a year, usually, and even then usually not more than thirty bucks or so.

(And half the people with houses probably more just in property tax than I pay for a year's rent.)
lol

JD10367
07-20-2009, 07:43 PM
lol

Okay, let me rephrase. I live in the Northeast. A typical one-family house is around $225,000 minimum. And it can go a lot higher. Head towards a more populated and upscale area and you're talking $300,000 if not more. Property taxes? My wife's parents live in New Jersey and they pay $10,000 a year in property taxes.

Baconeater
07-20-2009, 07:46 PM
Okay, let me rephrase. I live in the Northeast. A typical one-family house is around $225,000 minimum. And it can go a lot higher. Head towards a more populated and upscale area and you're talking $300,000 if not more. Property taxes? My wife's parents live in New Jersey and they pay $10,000 a year in property taxes.
I never said it was cheaper to live in a house vs an apartment. My only point was that you DO in fact pay for all those things you listed in your earlier post. They're all built-in costs.

JD10367
07-20-2009, 08:05 PM
I never said it was cheaper to live in a house vs an apartment. My only point was that you DO in fact pay for all those things you listed in your earlier post. They're all built-in costs.

That makes no sense.

DeezNutz
07-20-2009, 08:08 PM
That makes no sense.

You're in an apartment, right?

The high cost of all of these things is split among all the renters. Thus you're feeling much less of a hit. Doesn't change the fact that you're paying for all the things you've listed.

Baconeater
07-20-2009, 08:14 PM
That makes no sense.
fuck it, I give up then.

JD10367
07-20-2009, 08:18 PM
You're in an apartment, right?

The high cost of all of these things is split among all the renters. Thus you're feeling much less of a hit. Doesn't change the fact that you're paying for all the things you've listed.

So what, LOL? What do I care? The point is, what a renter pays (usually, say $600-800) is less than some people pay in property taxes, and a renter doesn't have to worry about huge surprise bills when something breaks down. My landlord can itemize it however he wants: "$400 rent, $200 property tax, $200 furnace/roof/AC depreciation", whatever. The bottom line is, it's often cheaper and less worrisome to rent. (We haven't even discussed mortgages, where you might be paying $1200 a month with 3/4ths of that being interest at the front end of the 30 year term.)

Of course, I know the drawback to renting is that you are putting no equity into your living situation. And if you're lucky enough to have a very stable job, and live and work in a nice area, and have found an affordable house with a good mortgage rate, by all means, buy away. But that scenario isn't that easy to find, especially in today's economy and job market.

luv
07-20-2009, 08:22 PM
So what, LOL? What do I care? The point is, what a renter pays (usually, say $600-800) is less than some people pay in property taxes, and a renter doesn't have to worry about huge surprise bills when something breaks down. My landlord can itemize it however he wants: "$400 rent, $200 property tax, $200 furnace/roof/AC depreciation", whatever. The bottom line is, it's often cheaper and less worrisome to rent. (We haven't even discussed mortgages, where you might be paying $1200 a month with 3/4ths of that being interest at the front end of the 30 year term.)

Of course, I know the drawback to renting is that you are putting no equity into your living situation. And if you're lucky enough to have a very stable job, and live and work in a nice area, and have found an affordable house with a good mortgage rate, by all means, buy away. But that scenario isn't that easy to find, especially in today's economy and job market.

Trust me, th renting vs owning debate has been done. Usually whenever I announce that I'm moving, and not buying a house.

Of course, my credit is so shot, that even thinking about buying a house is at least 10 years away. If you're happy renting, and it makes sense for your life, just tell the haters to fuck off. :)

Skip Towne
07-20-2009, 08:22 PM
Yes, someone with a high dollar estate might pay more taxes than you pay rent. But you have to compare apples to apples. Your apt. is not a high dollar estate.

Baconeater
07-20-2009, 08:27 PM
So what, LOL? What do I care? The point is, what a renter pays (usually, say $600-800) is less than some people pay in property taxes, and a renter doesn't have to worry about huge surprise bills when something breaks down. My landlord can itemize it however he wants: "$400 rent, $200 property tax, $200 furnace/roof/AC depreciation", whatever. The bottom line is, it's often cheaper and less worrisome to rent. (We haven't even discussed mortgages, where you might be paying $1200 a month with 3/4ths of that being interest at the front end of the 30 year term.)

Comparing renting an apt vs buying a house isn't a fair comparison. However, if you rent a house your costs will be more on a monthly basis than if you bought it. Landlords aren't in the business of losing money. And as far as "surprise" costs, once your roof or HVAC system is 15 years old it shouldn't come as a surprise when it needs to be replaced.

DeezNutz
07-20-2009, 08:29 PM
Comparing renting an apt vs buying a house isn't a fair comparison. If you rent a house your costs will be more on a monthly basis than if you bought it. Landlords aren't in the business of losing money. And as far as "surprise" costs, once your roof or HVAC system is 15 years old it shouldn't come as a surprise when it needs to be replaced.

Exactly.

It all depends on what you're happy with and/or able/willing to do.

Baconeater
07-20-2009, 08:32 PM
Trust me, th renting vs owning debate has been done. Usually whenever I announce that I'm moving, and not buying a house.

Of course, my credit is so shot, that even thinking about buying a house is at least 10 years away. If you're happy renting, and it makes sense for your life, just tell the haters to **** off. :)
I'm not hating on him for renting, he just seems to be under the mistaken impression that he is somehow saving money by renting.

Mr. Flopnuts
07-20-2009, 08:33 PM
Let's just forget about the equity you gain in home ownership. You take out a 30 year fixed loan today. You're smart, you spend wisely, and you save even wiser. You don't have to refi down the road because you're responsible.

Your wages go up every year for the most part. The value of the house and property goes up every year for the most part. It's inflation. 15 years from now when everyone is paying 3 times today's prices for rent, you're paying today's price to own. And you only have 5 years left until you have no more payments. But it's a 30 year loan you say? Remember, I said you're smart. You made 13 payments a year instead of 12 and knocked 10 years worth of payments off your loan.

It's really a no brainer if you have the means.

luv
07-20-2009, 08:34 PM
Let's just forget about the equity you gain in home ownership. You take out a 30 year fixed loan today. You're smart, you spend wisely, and you save even wiser. You don't have to refi down the road because you're responsible.

Your wages go up every year for the most part. The value of the house and property goes up every year for the most part. It's inflation. 15 years from now when everyone is paying 3 times today's prices for rent, you're paying today's price to own. And you only have 5 years left until you have no more payments. But it's a 30 year loan you say? Remember, I said you're smart. You made 13 payments a year instead of 12 and knocked 10 years worth of payments off your loan.

It's really a no brainer if you have the means.

And the credit.

Mr. Flopnuts
07-20-2009, 08:35 PM
And the credit.

Included in the means.

MahiMike
07-20-2009, 08:48 PM
"Broke into the old apartment."
BNL

DeezNutz
07-20-2009, 08:55 PM
Let's just forget about the equity you gain in home ownership. You take out a 30 year fixed loan today. You're smart, you spend wisely, and you save even wiser. You don't have to refi down the road because you're responsible.

Your wages go up every year for the most part. The value of the house and property goes up every year for the most part. It's inflation. 15 years from now when everyone is paying 3 times today's prices for rent, you're paying today's price to own. And you only have 5 years left until you have no more payments. But it's a 30 year loan you say? Remember, I said you're smart. You made 13 payments a year instead of 12 and knocked 10 years worth of payments off your loan.

It's really a no brainer if you have the means.

But it's still cheaper to rent. :)

Mr. Flopnuts
07-20-2009, 09:59 PM
But it's still cheaper to rent. :)

Home ownership is the most pragmatic way for the average American to build wealth.

DeezNutz
07-20-2009, 10:08 PM
Home ownership is the most pragmatic way for the average American to build wealth.

I was being ironical, Jerry.

Mr. Flopnuts
07-20-2009, 10:18 PM
I was being ironical, Jerry.

I was totally picking up what you were laying down. I was just talking out loud and quoted your post because it was last. Plus if I'd quoted my own people would know that I talk to myself.

DeezNutz
07-20-2009, 10:19 PM
I was totally picking up what you were laying down. I was just talking out loud and quoted your post because it was last. Plus if I'd quoted my own people would know that I talk to myself.

I've frequently quoted myself on this site. What can I say? I loves me some me.

Baconeater
07-20-2009, 10:26 PM
Home ownership is the most pragmatic way for the average American to build wealth.
While it's certainly more practical than renting, I fail to see how it builds wealth. It rarely, if ever, puts any money into your pocket.

DeezNutz
07-20-2009, 10:29 PM
While it's certainly more practical than renting, I fail to see how it builds wealth. It rarely, if ever, puts any money into your pocket.

Long-term it would. Depending on the quality of the investment, it could very much be like an IRA.

But I know this isn't what you're getting at above.

Baconeater
07-20-2009, 10:34 PM
Long-term it would. Depending on the quality of the investment, it could very much be like an IRA.

But I know this isn't what you're getting at above.
Heh, maybe an IRA for your kids, they'll be the ones getting the money after you croak. I guess there is also the reverse mortgage thing if you get old enough.

DeezNutz
07-20-2009, 10:36 PM
Heh, maybe an IRA for your kids, they'll be the ones getting the money after you croak. I guess there is also the reverse mortgage thing if you get old enough.

Life's a bitch. When the thing is really worth something and it would be worth one's time to move, it's long past the point of being something one wants to do...

Buehler445
07-20-2009, 10:37 PM
While it's certainly more practical than renting, I fail to see how it builds wealth. It rarely, if ever, puts any money into your pocket.

The thinking is that it appreciates in value. The assumption then is that you can liquidate it.

Lots of circumstances in the economy don't follow suit. But in the long haul, it is supposed to add to your balance sheet through purchase of assets instead of just an expense.

From a practicality standpoint, it could increase your credit rating and find money that way, but that's a reach.

MTG#10
07-21-2009, 09:48 AM
The strange you bring in, bud.

Heh, unfortunately I dont see that happening anytime soon...

Mr. Flopnuts
07-21-2009, 09:51 AM
While it's certainly more practical than renting, I fail to see how it builds wealth. It rarely, if ever, puts any money into your pocket.

It's a retirement account. You get old, you are stuck with social security (if it's still there) and you can refinance your house knowing the bank will take it when you die. In the meantime, you have hundreds of thousands of dollars in your pocket to pay the bills every month that social security won't afford you.

You could also sell it outright and move into a retirement community. The options are endless.

Pioli Zombie
07-21-2009, 12:08 PM
I like cheese.
Posted via Mobile Device

Mr. Flopnuts
07-21-2009, 01:09 PM
It's a retirement account. You get old, you are stuck with social security (if it's still there) and you can refinance your house knowing the bank will take it when you die. In the meantime, you have hundreds of thousands of dollars in your pocket to pay the bills every month that social security won't afford you.

You could also sell it outright and move into a retirement community. The options are endless.

But most of all, while everyone else has their entire social security check going to the state run facility they're left at, you have your house, your money, and don't owe anyone shit. Except your doctors of course.

MTG#10
07-22-2009, 07:21 PM
Well this is just great. I move from my house to try and get away from some of the drama in my life and now the manager at my new apartments is trying to f*ck me. She had been flirting with me since I met her a few weeks ago and I always tried to make it obvious I wasnt interested but I guess she didnt get the hint. She called me a little while ago and asked me what I would do if she showed up on my doorstep drunk and naked. I made it clear this time I wasnt interested and now Im afraid she is going to try and make my life living here hell.


Oh yeah I guess I better add that she is not attractive at all.

btlook1
07-22-2009, 07:26 PM
Well this is just great. I move from my house to try and get away from some of the drama in my life and now the manager at my new apartments is trying to f*ck me. She had been flirting with me since I met her a few weeks ago and I always tried to make it obvious I wasnt interested but I guess she didnt get the hint. She called me a little while ago and asked me what I would do if she showed up on my doorstep drunk and naked. I made it clear this time I wasnt interested and now Im afraid she is going to try and make my life living here hell.


Oh yeah I guess I better add that she is not attractive at all.

I don't know just think if you invite her over and do a nice job maybe she could lower your rent?

MTG#10
07-22-2009, 07:28 PM
I don't know just think if you invite her over and do a nice job maybe she could lower your rent?

Thats what my brother said. Wouldnt work, there's no way I could get it up for her. :Lin:

DeezNutz
07-22-2009, 07:30 PM
Thats what my brother said. Wouldnt work, there's no way I could get it up for her. :Lin:

Let her suck it? :shrug:

Rain Man
07-22-2009, 07:32 PM
You're back in the game!

MTG#10
07-22-2009, 07:33 PM
Let her suck it? :shrug: Dont think that would work. Even if it did, as soon as I had to pull back a couple rolls to get to her vag it would instantly go limp again.

Delano
07-22-2009, 07:34 PM
Dont think that would work. Even if it did, as soon as I had to pull back a couple rolls to get to her vag it would instantly go limp again.

:eek:

DeezNutz
07-22-2009, 07:35 PM
Dont think that would work. Even if it did, as soon as I had to pull back a couple rolls to get to her vag it would instantly go limp again.

I didn't mean as a prelude to anything. Just a stand alone party gift for the chick.

MTG#10
07-22-2009, 07:37 PM
I didn't mean as a prelude to anything. Just a stand alone party gift for the chick.

I doubt I would get any rent knocked off for letting her blow me and not doing anything in return. :)

DeezNutz
07-22-2009, 07:38 PM
I doubt I would get any rent knocked off for letting her blow me and not doing anything in return. :)

Why not? You're doing her a favor.

Fat Elvis
07-22-2009, 07:42 PM
http://i89.photobucket.com/albums/k230/jonnrobinet/Kingpin.jpg

What is it about good sex that makes me have to crap? You really jarred something loose tiger.

stumppy
07-22-2009, 07:47 PM
Sometimes a man has to do what he has to do. Buy yourself a bottle of whiskey and do it.

Mile High Mania
07-22-2009, 07:52 PM
You're back in the game!

ROFL

LaChapelle
07-22-2009, 07:56 PM
You might be surprised what you would do when it's been awhile and some is laying there with steam rolling off it.

Skip Towne
07-22-2009, 07:57 PM
I'm not really that picky at my age but some women are simply ineligible.

Delano
07-22-2009, 07:59 PM
I'm not really that picky at my age but some women are simply ineligible.

ROFL

Just out of curiosity - where do you draw the line?

DaKCMan AP
07-22-2009, 08:00 PM
ROFL

Just out of curiosity - where do you draw the line?

At Skip's age - whether or not they have a pulse.

Skip Towne
07-22-2009, 08:02 PM
ROFL

Just out of curiosity - where do you draw the line?

They can't be blind, crippled or cancer eyed......or fat.

Delano
07-22-2009, 08:05 PM
They can't be blind, crippled or cancer eyed......or fat.

Cancer eyed. LMAO

I didn't figure you for a guy that looked 'em in the eye.

KcMizzou
07-22-2009, 08:05 PM
They can't be blind, crippled or cancer eyed......or fat.What's cancer eyed?

Delano
07-22-2009, 08:08 PM
What's cancer eyed?

http://uuhsc.utah.edu/MoranEyeCenter/opatharch/images/conj/21898.jpg

Param
07-22-2009, 08:10 PM
Well this is just great. I move from my house to try and get away from some of the drama in my life and now the manager at my new apartments is trying to f*ck me. She had been flirting with me since I met her a few weeks ago and I always tried to make it obvious I wasnt interested but I guess she didnt get the hint. She called me a little while ago and asked me what I would do if she showed up on my doorstep drunk and naked. I made it clear this time I wasnt interested and now Im afraid she is going to try and make my life living here hell.


Oh yeah I guess I better add that she is not attractive at all.

Don't close doors. Always keep them open even if she isn't the best thing to look at.

KcMizzou
07-22-2009, 08:13 PM
http://uuhsc.utah.edu/MoranEyeCenter/opatharch/images/conj/21898.jpgGAH!!!!

Yeah, that'd be a deal breaker.

Delano
07-22-2009, 08:16 PM
GAH!!!!

Yeah, that'd be a deal breaker.

http://www.nbc.com/30_Rock/images/exclusives/dealbreakers-portrait-liz-and-jenna.jpg

Skip Towne
07-22-2009, 08:22 PM
http://uuhsc.utah.edu/MoranEyeCenter/opatharch/images/conj/21898.jpg

Yeah, that's it. An eye rotting away.

stumppy
07-22-2009, 08:28 PM
They can't be blind, crippled or cancer eyed......or fat.


And no Goiters. You just can't get past one having a big ole goiter on her neck.

luv
07-22-2009, 08:39 PM
They can't be blind, crippled or cancer eyed......or fat.

Haven't you heard? Fat chicks give better blow jobs. It's the only way men can stand to be around them.

DeezNutz
07-22-2009, 08:41 PM
Haven't you heard? Fat chicks give better blow jobs. It's the only way men can stand to be around them.

Or they're just hungry.

:D

luv
07-22-2009, 08:42 PM
Or they're just hungry.

:D

I don't think you'd want her to be hungry. She might forget and take a bite.

Rain Man
07-22-2009, 08:45 PM
I'm still marveling at a 1,700 square foot apartment. That's one of the biggest apartments I've ever heard of. Did it free up because Michael Jackson died?

luv
07-22-2009, 08:47 PM
I'm still marveling at a 1,700 square foot apartment. That's one of the biggest apartments I've ever heard of. Did it free up because Michael Jackson died?

And in the Springfield area to boot. I can't think of anywhere with apartments that big.

MTG#10
07-23-2009, 10:08 AM
And in the Springfield area to boot. I can't think of anywhere with apartments that big.

Its not, there's no way. I found their website and the 3 bedrooms arent listed but the 2 bedrooms are a little over 900 square foot. Ive seen the 2 bedrooms and I would guess my 3 bedroom is around 1200.

Param
07-23-2009, 10:12 AM
Its not, there's no way. I found their website and the 3 bedrooms arent listed but the 2 bedrooms are a little over 900 square foot. Ive seen the 2 bedrooms and I would guess my 3 bedroom is around 1200.

1200 sounds more reasonable. 1700 sq foot apt is huge. Atleast the place is new and the rent is cheap.

Iowanian
07-23-2009, 10:36 AM
A slump buster.


Rainman's post gave me a vision of MTG recreating Rainman's vail mountain marathon thread.....

Minute 1: She's reved up, I'm a little disgusted by the prospect.
Minute 2: She's jumped on my lap and her moustache is tickling me....awkward.
Minute 3: Her pants are off now, and I just touched the wet spot....The capt might be down for this after all.
Minute 4: She's taken her teef out and she's really starting to get after it. It's like her mouth is on fire and this thing is full of water.
Minute 5...Penetration. No need to think about baseball here, thinking about 2 hot chics at the same time.....Calgon, take me away
Minute 5.5...Alot of panting now, a little drool
Minute 6. Her belly is now sticky and smells like old spice and out of date milk.
minute 7.....If I pretend to be asleep, maybe she'll leave....nope...spooning. Why is she touching my starfish?




Back in the game.

Katipan
07-23-2009, 10:45 AM
A slump buster.


Rainman's post gave me a vision of MTG recreating Rainman's vail mountain marathon thread.....

Minute 1: She's reved up, I'm a little disgusted by the prospect.
Minute 2: She's jumped on my lap and her moustache is tickling me....awkward.
Minute 3: Her pants are off now, and I just touched the wet spot....The capt might be down for this after all.
Minute 4: She's taken her teef out and she's really starting to get after it. It's like her mouth is on fire and this thing is full of water.
Minute 5...Penetration. No need to think about baseball here, thinking about 2 hot chics at the same time.....Calgon, take me away
Minute 5.5...Alot of panting now, a little drool
Minute 6. Her belly is now sticky and smells like old spice and out of date milk.
minute 7.....If I pretend to be asleep, maybe she'll leave....nope...spooning. Why is she touching my starfish?




Back in the game.

holy shit

Pestilence
07-23-2009, 10:48 AM
A slump buster.


Rainman's post gave me a vision of MTG recreating Rainman's vail mountain marathon thread.....

Minute 1: She's reved up, I'm a little disgusted by the prospect.
Minute 2: She's jumped on my lap and her moustache is tickling me....awkward.
Minute 3: Her pants are off now, and I just touched the wet spot....The capt might be down for this after all.
Minute 4: She's taken her teef out and she's really starting to get after it. It's like her mouth is on fire and this thing is full of water.
Minute 5...Penetration. No need to think about baseball here, thinking about 2 hot chics at the same time.....Calgon, take me away
Minute 5.5...Alot of panting now, a little drool
Minute 6. Her belly is now sticky and smells like old spice and out of date milk.
minute 7.....If I pretend to be asleep, maybe she'll leave....nope...spooning. Why is she touching my starfish?




Back in the game.

Your best yet. Bravo sir....bravo. :clap:

AustinChief
07-23-2009, 11:06 AM
Here is a 1700 sq ft place in Austin.. they do exist!

http://www.austinhomesearch.com/Search/AdditionalPhotos.aspx?id=83751&mlsid=8248165

http://austinhomesearch.com/Branding/localhost/AHS/WebPhotos/8248165_5.jpg

Iowanian
07-23-2009, 12:49 PM
The Peak of the mountain...It's all a downhill Sprint from here on!

6:10am-crap, I had the worst dream last ni.....she's still here, it wasn't a dream
6:10:01- Well, I guess you can't really call this "beauty sleep"....her Avon Spackling coverup is now painted on the 150 count polyester-cotton blend pillow cases I bought at Dollar General Monday....it's worse than before. Gag reflux is stimulated.

Minute 1: We've both just figured out that "the morning thing" is in effect. damn that Farrah Faucett poster dream.....she rolled against it and woke up....interested.

Minute 2: I don't want to be a dick...I don't want to hurt her feelings, really, this is like putting coins in the Salvation Army bucket at Christmas time.

Minute 3: I'll just pretend that her business end is my hand when my business end is in her business end.

Minute 4: new plan....dog style, Don't have to look her in the eye with dog style.

Minute 4+ :05......wtf....I've never seen a crack that hairy...nor a dingleberry the size of a plumb.

Minute 4=:07....screw it, I'm already here, I might as well sprint to the finish instead of riding the fail-cart to the bottom.

Minute 5.....did she really say to hurry up because she has diarhea!!?

Minute 5 + :01 EJECT! EJECT! EJECT!

Minute 6...Grab the 2 boxes of my important stuff and run for the door...she can keep the love seat.

Minute 10: posted via mobile device.....Does anyone on CP know of any cheap apartments in the springfield Area? Hey Luv!!!! you've got an extra room....we can share bills and I'll take my fat agression out on the doucher that stole your car.

Iowanian
07-24-2009, 12:18 PM
Rent is due again Munson!

RJ
07-24-2009, 12:29 PM
A slump buster.


Rainman's post gave me a vision of MTG recreating Rainman's vail mountain marathon thread.....

Minute 1: She's reved up, I'm a little disgusted by the prospect.
Minute 2: She's jumped on my lap and her moustache is tickling me....awkward.
Minute 3: Her pants are off now, and I just touched the wet spot....The capt might be down for this after all.
Minute 4: She's taken her teef out and she's really starting to get after it. It's like her mouth is on fire and this thing is full of water.
Minute 5...Penetration. No need to think about baseball here, thinking about 2 hot chics at the same time.....Calgon, take me away
Minute 5.5...Alot of panting now, a little drool
Minute 6. Her belly is now sticky and smells like old spice and out of date milk.
minute 7.....If I pretend to be asleep, maybe she'll leave....nope...spooning. Why is she touching my starfish?




Back in the game.



Slide Willie Slide!

Nice work, Iowanian.