Socialist hellhole California moves from 8th to 6th largest economy in the world, surpassing France

Flaming Pie

Flaming Pie

Well-Known Member
rkymtnman said:
if you can't figure out on your own how much you can afford i.e. house, car, steak dinner, you need to rethink your plan
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So don't ask the people who know how much your Principal and interest is each month?

I refer to people who have the knowledge instead of trying to hack it myself.

I find myself unprepared if I do not research and ask questions. The man sees a house he cannot purchase because he was uninformed.

Macho bullshit is just that --bullshit. Life is about learning and there are efficient ways and inefficient ways. Refusing outside help is inefficient when you are not knowledgeable on the subject.
 
rkymtnman

rkymtnman

Well-Known Member
Flaming Pie said:
So don't ask the people who know how much your Principal and interest is each month?
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if you are referring to the semi-tards that work at wells fargo as "experts", you can look all that stuff up easier than Pie.

mortgage calculators, amortization schedules, all are available online. all they do is put in numbers, just like you could do.

so if they told you you could afford a 3.5 million dollar house, you would have believed them?
 
Flaming Pie

Flaming Pie

Well-Known Member
Fogdog said:
Speaking of California,

The California Sheephead, a fish, changes sex during its life depending on the population. If there are not enough male fish in the area, some female fish develop into males.

So, maybe it can happen the other way. For wing nuts, on RIU, maybe.


This one is a male.
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All fish look the same to me.
rkymtnman said:
if you are referring to the semi-tards that work at wells fargo as "experts", you can look all that stuff up easier than Pie.

mortgage calculators, amortization schedules, all are available online. all they do is put in numbers, just like you could do.

so if they told you you could afford a 3.5 million dollar house, you would have believed them?
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You have to contact the bank to get your interest rate tho.

I know there are calculators.
 
Flaming Pie

Flaming Pie

Well-Known Member
rkymtnman said:
it's called being an informed consumer. aka buyer beware.
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I have house. He does not.

To find your closing costs you need to know what type of loan you will be getting. Then you have to know how much your realtor takes and how much a year of mortgage insurance is.

You have to know alot of shit and you have to ask questions to find your closing cost. If he had asked questions to figure out the costs of each component of his closing, then he would have money available.

He is converting his retirement/investments into cash. The government will tax it because the money enters investments tax free.

They offer this tax free investing to encourage people to save for retirement instead of completely relying on SS and government aid.

The government is giving incentives for people to invest in their future.

All this is really unimportant tho. Kmog was just complaining he had to withdraw retirement funds because he didn't set aside cash in a savings account and now his retirement will be drained.
 
Flaming Pie

Flaming Pie

Well-Known Member
rkymtnman said:
not really. do somehting like lending tree. they come to you with their best offer. you pick and choose.

alot depends on credit rating, income, downpayment etc too. all that pertains to you, not the bank
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You have to apply for a loan to find out what rates you qualify for.
 
rkymtnman

rkymtnman

Well-Known Member
Flaming Pie said:
I have house. He does not.

To find your closing costs you need to know what type of loan you will be getting. Then you have to know how much your realtor takes and how much a year of mortgage insurance is.

You have to know alot of shit and you have to ask questions to find your closing cost. If he had asked questions to figure out the costs of each component of his closing, then he would have money available.

He is converting his retirement/investments into cash. The government will tax it because the money enters investments tax free.

They offer this tax free investing to encourage people to save for retirement instead of completely relying on SS and government aid.

The government is giving incentives for people to invest in their future.

All this is really unimportant tho. Kmog was just complaining he had to withdraw retirement funds because he didn't set aside cash in a savings account and now his retirement will be drained.
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it's the biggest purchase anybody will ever make in their lifetime. if you can't or don't want to figure out all the details, that's a personal problem.

i chose to be an informed consumer. that's why i'm in a house i can afford to pay off in 15 yrs. and not upside down in a house that i can't afford and could only sell at a loss
 
Flaming Pie

Flaming Pie

Well-Known Member
rkymtnman said:
it's the biggest purchase anybody will ever make in their lifetime. if you can't or don't want to figure out all the details, that's a personal problem.

i chose to be an informed consumer. that's why i'm in a house i can afford to pay off in 15 yrs. and not upside down in a house that i can't afford and could only sell at a loss
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I'm sorry, what are you trying to do right now? I am in a home that we can afford and allows for savings. Are you worried I went upside down or will?
 
NLXSK1

NLXSK1

Well-Known Member
Flaming Pie said:
I was a man the first year I was on here.
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Arent the same people protesting your representation of a different race absolutely lockstep in favor of transgender bathroom laws??

Is that Ironic or Oxymoronic? Or do we need to develop a new word for the pretzeling they are doing?
 
rkymtnman

rkymtnman

Well-Known Member
Flaming Pie said:
I'm sorry, what are you trying to do right now? I am in a home that we can afford and allows for savings. Are you worried I went upside down or will?
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i was using the plural "you" not at "you" in particular.

you made it sound like buying a house is too hard for the average joe. my point was do your homework. the mortgage brokers at Wells make money by selling you a mortgage. the higher the balance, the more they make. make an informed decision.
 
Flaming Pie

Flaming Pie

Well-Known Member
rkymtnman said:
i was using the plural "you" not at "you" in particular.

you made it sound like buying a house is too hard for the average joe. my point was do your homework. the mortgage brokers at Wells make money by selling you a mortgage. the higher the balance, the more they make. make an informed decision.
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Oh! Lol. Makes sense now. That was my first instinct but then I doubted and unliked.
 
Fogdog

Fogdog

Well-Known Member
Flaming Pie said:
So don't ask the people who know how much your Principal and interest is each month?

I refer to people who have the knowledge instead of trying to hack it myself.

I find myself unprepared if I do not research and ask questions. The man sees a house he cannot purchase because he was uninformed.

Macho bullshit is just that --bullshit. Life is about learning and there are efficient ways and inefficient ways. Refusing outside help is inefficient when you are not knowledgeable on the subject.
Click to expand...
Insert the helpless female stereotype here. Oh its too much for me to understand, will you help?

It's not hard, really and empowering once you understand how easy that stuff is.

It turns out the Anemone Clownfish changes from male to female, in case you needed some help on that. The larger fish in the picture is the female clownfish.

upload_2016-6-21_15-46-31.jpeg

So we now have existence proof that show other animals than you can change sex depending on environmental conditions. The catch is that in order to do so, both organs are present and they are activated by hormonal changes. That's how it works.
 
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