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Yaj Yak

Gladys
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I thought you were moving this morning. :s00ls:

I keep thinking I need to refinance but I'm just too lazy. :rofl:


bro this past week alone ive been ordering a custom explorer van, shopping panamera's, moving houses, and selling all the things i own


get on board man it's a wild ride.
 

Gav'sPurpleZ

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FESTER665

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bro this past week alone ive been ordering a custom explorer van, shopping panamera's, moving houses, and selling all the things i own


get on board man it's a wild ride.

I was shopping an F250 Tremor, toy hauler, and SxS.... I think my bank account dried up at the thought.

Need to get on that DINK train....
 
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Yaj Yak

Gladys
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I thought you were moving this morning. :s00ls:

I keep thinking I need to refinance but I'm just too lazy. :rofl:


i went through with the refi because i'll be at this point again in 7 months on what i owe- that's the break even point, and then past that it will just get better.

i figured if something came up i HAVE to have i can eat the couple grand this cost because in the grand scheme with houses it really doesn't matter- everyone's getting fucked it's just who knows they are and how hard.
 
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FESTER665

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i went through with the refi because i'll be at this point again in 7 months on what i owe- that's the break even point, and then past that it will just get better.

i figured if something came up i HAVE to have i can eat the couple grand this cost because in the grand scheme with houses it really doesn't matter- everyone's getting fucked it's just who knows they are and how hard.

I just got hooked up with Navy Federal after getting the parents set up on it.... Going to see about getting refi through them since their rates looked good.

Dont want to take money out or anything, just either lower the monthly bill or maybe get the credit cards paid off (not like its a large amount or anything).
 

Chester Copperpot

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The amount of interest on homes is fucking criminal. If you want one reason that banks should never have been bailed out ever, it's the amount of fucking money they make on interest from mortgages. Holy fuck.

I think my house, at 168k with what WAS a good rate 6 years ago at 4.25, it's like 350-400k TOTAL dollars spent over 30 years if you only make the normal mortgage payment.

Fuck credit cards, that shit's literal chump change. It's just infinitely easier for every PhD barista in the city to get a 20k limit card vs a 300k dollar house.
 

Yaj Yak

Gladys
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The amount of interest on homes is fucking criminal. If you want one reason that banks should never have been bailed out ever, it's the amount of fucking money they make on interest from mortgages. Holy fuck.

I think my house, at 168k with what WAS a good rate 6 years ago at 4.25, it's like 350-400k TOTAL dollars spent over 30 years if you only make the normal mortgage payment.

Fuck credit cards, that shit's literal chump change. It's just infinitely easier for every PhD barista in the city to get a 20k limit card vs a 300k dollar house.
giphy.gif



any home owner want to get depressed just multiply how many monthly payments theyve made, by their total monthly payment including homeowners/taxes/pmi if it's there/p & i and subtract that number from their original loan value (NOT EVEN HOME SALE PRICE) and see you're smile turn into a frowwwnnn


BUT MY HOUUZE VALUE INCREASED FORTY KAY SINCE I BOUGGHTTTTTT YYYAYYYY
 

Shawn1112

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Everyone on here knows what im into....

Working too much, stop shooting on occasion, stop golf on occasion, put shooting and golf money in to car,car sits in the garage, and PS4 with my friends on Friday nights. :bowrofl:
Fixed
I thought you were moving this morning. :s00ls:

I keep thinking I need to refinance but I'm just too lazy. :rofl:
Pretty much all done electronically, no excuse lol
 
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Chester Copperpot

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Jesus, that really puts shit into perspective. The average lifetime earnings of a middle class pleb is roughly one million dolores. No savings, no stock earnings, no nothing, just cold hard salary/hourly pay.

And the bank has you by the balls for 1/3 of your life and takes 1/3 to almost 1/2 of your entire lifetime earnings if you decide to buy a modest house.

Now I'm tilted.
 

Shawn1112

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any home owner want to get depressed just multiply how many monthly payments theyve made, by their total monthly payment including homeowners/taxes/pmi if it's there/p & i and subtract that number from their original loan value (NOT EVEN HOME SALE PRICE) and see you're smile turn into a frowwwnnn


BUT MY HOUUZE VALUE INCREASED FORTY KAY SINCE I BOUGGHTTTTTT YYYAYYYY
THanks :mad::mad::mad: (original loan)
$346,800 - $164,000 = $182,800
 

Yaj Yak

Gladys
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Jesus, that really puts shit into perspective. The average lifetime earnings of a middle class pleb is roughly one million dolores. No savings, no stock earnings, no nothing, just cold hard salary/hourly pay.

And the bank has you by the balls for 1/3 of your life and takes 1/3 to almost 1/2 of your entire lifetime earnings if you decide to buy a modest house.

Now I'm tilted.


right

but because when people go to sell and they wind up with 78 whole thousand dollars in their pocket to roll into their next 30 year bank rental HOME OWNERSHIP IS THE BEST.
 

FirstWorldProblems

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The amount of interest on homes is fucking criminal. If you want one reason that banks should never have been bailed out ever, it's the amount of fucking money they make on interest from mortgages. Holy fuck.

I think my house, at 168k with what WAS a good rate 6 years ago at 4.25, it's like 350-400k TOTAL dollars spent over 30 years if you only make the normal mortgage payment.

Fuck credit cards, that shit's literal chump change. It's just infinitely easier for every PhD barista in the city to get a 20k limit card vs a 300k dollar house.
It's really not. 3-5% per year is a pretty low return. Would you give a friend $20,000 if he guaranteed you he could give you $20,600 back in a year? NFW, that's a terrible investment

Of course if you look at the whole thirty year period it's going to seem high. Just like if you look at what your 401k will likely gain from the market over the next 30 years, that'll also appear high
 
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Yaj Yak

Gladys
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It's really not. 3-5% per year is a pretty low return. Would you give a friend $20,000 if he guaranteed you he could give you $20,600 back in a year? NFW, that's a terrible investment

Of course if you look at the whole thirty year period it's going to seem high. Just like if you look at what your 401k will likely gain from the market over the next 30 years, that'll also appear high


:rofl:

you're wrong though.

because you're guaranteed to get that 20 fucking thousand dollars NO MATTER WHAT and then take his home too :rofl:
 

Yaj Yak

Gladys
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We need Flyn Flyn to come tell us how realtors are needed and their cut. :s00ls:


hey man setting up a photographer to come out, or lazily snap pics in portrait boomer style from their iphone & get coffee cake for a 3 hour saturday open house, is definitely worth $18,000
 

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