Quote from: Lokmar on November 12, 2024, 03:28:50 PMYUO seem to be untrainable.

Oh Jesus Christ...I was making fun of you and all your guns that you insist on telling the audience about over and over Al Ka-Pown3d!! Too much blood seems to be supporting that Jewish beak of yours and not circulating your grey matter efficiently.

Quote from: Lab Flaker on November 12, 2024, 03:44:58 PMOh Jesus Christ...I was making fun of you and all your guns that you insist on telling the audience about over and over Al Ka-Pown3d!! Too much blood seems to be supporting that Jewish beak of yours and not circulating your grey matter efficiently.

Its KA-POWN3D! dickhead!!!! Well, it may be EL-KAPOWN3D! now....I'm still considering which.

Definitely NOT Al Ka-Pown3d!!!!!!

Quote from: Lab Flaker on November 12, 2024, 08:31:03 PM

Damn! U aint lookin too good tonight! 

Quote from: Lokmar on November 11, 2024, 10:56:06 AMMy wife and I pre-qualified to get a mortgage around 2005 or 2006 and while I cant remember the exact number, when they told us, my wife and I looked at each other like WTF? We knew immediately that if we got anywhere near that number, we'd go bankrupt.

 Same. In 2005 I was going through my second divorce.

 My great aunt sold 6 acres of her property here in Troy for a very high amount of profit and she gave me about 55k as an inheritance (she insisted as I grew up on that property)

 So when I was rental shopping for a small place to live and told the rental company that I wanted to just pay off a year lease upon signing it, they went ahead and had me approved for a mortage...and I was like....wtf?!

 Yeah sure I could have afforded a down payment but I didn't want that at all. Then what? I have taxes. Insurance. A mortgage I need to keep up with and any costs related to upkeep. Roof. Pipes. All the maintenance.  They were trying to talk me into a shit ton of unnecessary stress I didn't want. I was 25 years old. State hopping and moving around like a gypsy and working as a dancer. I was not interested in any solid commitments at all. Especially 30 year long ones with no solid line of income.

 I declined and stayed on my plan to just rent.

 I had a friend and her and husband went ahead with a home purchase and I cautioned her and she got mad at me. Her husband worked and she didn't and they made under 50k.  Guess what happened?

 I was right.  It turned out horribly for them...they didn't even make it 5 years. She was bad with money on top of everything else. She was a shopaholic and had no sense whatsoever. I love her too death, but we have very different views on money.

 I get it. Owning a home is a big deal. But of you can't afford it, that becomes a nightmare real quick and unless you have a safety net to afford a few thousand in emergency repairs or pay several months of mortgage out of savings... and unless you have money left over after bills....you can't afford it.  I have another friend whose husband borrowed against his 401k to purchase a home 6 years ago. He is almost 20 years older than her. She has never held a job longer than a year and he makes under 60k and they have 4 children. That makes me nervous for them.

 Up until I left my last job I pretty much always had my own car and my own income and I'm never totally comfortable if I don't. I feel trapped and smothered if I don't. I really tried to give that whole stay at home thing a real shot but ultimately it's just not for me. So maybe I get nervous for her due to my own biases. I'm even more productive at home if I have a job....i use my time better.   

 Even if I married a wealthy man, it's better for me emotionally and spiritually and mentally to get out and  work even if it's some bullshit job like I have right now....I feel SO much better all around.  Buying gifts for the holidays for a man out of his own bank account never felt good or fun for me either. I hate that shit. I want to buy gifts and do things for him with money I earned.....not "hey honey I'm going to use the money you earned to get your birthday gift!!" .....i hate that shit.

 If I were my friend I'd be incredibly nervous about the future. But that's just me, I guess.

 Shit my man CAN afford his house.  And he still stresses everytime we have a repair man show up. The furnace guy is coming today to change the filter on the furnace and my man is already grumbling about how it's gonna end up costing 10k lol.

 Everything costs 10k of course lol.

]

Quote from: Lab Flaker on November 12, 2024, 03:44:58 PMOh Jesus Christ...I was making fun of you and all your guns that you insist on telling the audience about over and over Al Ka-Pown3d!! Too much blood seems to be supporting that Jewish beak of yours and not circulating your grey matter efficiently.

 Shhhhh.....

 https://youtube.com/shorts/pao9HLSylGE?si=9N1QiE44O2h7IBhF

Quote from: Dove on November 14, 2024, 03:58:31 AMSame. In 2005 I was going through my second divorce.

 My great aunt sold 6 acres of her property here in Troy for a very high amount of profit and she gave me about 55k as an inheritance (she insisted as I grew up on that property)

 So when I was rental shopping for a small place to live and told the rental company that I wanted to just pay off a year lease upon signing it, they went ahead and had me approved for a mortage...and I was like....wtf?!

 Yeah sure I could have afforded a down payment but I didn't want that at all. Then what? I have taxes. Insurance. A mortgage I need to keep up with and any costs related to upkeep. Roof. Pipes. All the maintenance.  They were trying to talk me into a shit ton of unnecessary stress I didn't want. I was 25 years old. State hopping and moving around like a gypsy and working as a dancer. I was not interested in any solid commitments at all. Especially 30 year long ones with no solid line of income.

 I declined and stayed on my plan to just rent.

 I had a friend and her and husband went ahead with a home purchase and I cautioned her and she got mad at me. Her husband worked and she didn't and they made under 50k.  Guess what happened?

 I was right.  It turned out horribly for them...they didn't even make it 5 years. She was bad with money on top of everything else. She was a shopaholic and had no sense whatsoever. I love her too death, but we have very different views on money.

 I get it. Owning a home is a big deal. But of you can't afford it, that becomes a nightmare real quick and unless you have a safety net to afford a few thousand in emergency repairs or pay several months of mortgage out of savings... and unless you have money left over after bills....you can't afford it.  I have another friend whose husband borrowed against his 401k to purchase a home 6 years ago. He is almost 20 years older than her. She has never held a job longer than a year and he makes under 60k and they have 4 children. That makes me nervous for them.

 Up until I left my last job I pretty much always had my own car and my own income and I'm never totally comfortable if I don't. I feel trapped and smothered if I don't. I really tried to give that whole stay at home thing a real shot but ultimately it's just not for me. So maybe I get nervous for her due to my own biases. I'm even more productive at home if I have a job....i use my time better.   

 Even if I married a wealthy man, it's better for me emotionally and spiritually and mentally to get out and  work even if it's some bullshit job like I have right now....I feel SO much better all around.  Buying gifts for the holidays for a man out of his own bank account never felt good or fun for me either. I hate that shit. I want to buy gifts and do things for him with money I earned.....not "hey honey I'm going to use the money you earned to get your birthday gift!!" .....i hate that shit.

 If I were my friend I'd be incredibly nervous about the future. But that's just me, I guess.

 Shit my man CAN afford his house.  And he still stresses everytime we have a repair man show up. The furnace guy is coming today to change the filter on the furnace and my man is already grumbling about how it's gonna end up costing 10k lol.

 Everything costs 10k of course lol.

There are so many stories like yours. It was an insane idea under the Clinton administration that the Bush administration foolishly and cowardly continued.

 The furnace guy came today and it's not gonna cost 10k.

 Its costing 13k   

 New furnace AND new central air unit.

 This man still is on oxygen and paying for home repairs

Quote from: Dove on November 14, 2024, 08:47:51 PMThe furnace guy came today and it's not gonna cost 10k.

 Its costing 13k   

 New furnace AND new central air unit.

 This man still is on oxygen and paying for home repairs

I believe it. In 2020, I was still making good money and we had to replace all that. Cost us $9K and I sprung for the best. Now, I make half of what I did thanks to a woketard company and bidenomics. No doubt it would be at least $13K now!!!

Quote from: Dove on November 14, 2024, 08:47:51 PMThe furnace guy came today and it's not gonna cost 10k.

 Its costing 13k   

 New furnace AND new central air unit.

 This man still is on oxygen and paying for home repairs

Home repair bills like that make me glad I own a condo and not a house. But, we have assessments.

Quote from: Dove on November 14, 2024, 08:47:51 PMThe furnace guy came today and it's not gonna cost 10k.

 Its costing 13k   

 New furnace AND new central air unit.

 This man still is on oxygen and paying for home repairs

Im looking into getting a condo/apartment but the monthly HOA fees and taxes make me cringe Dove Dove

Some land only deals cost 1/2 of what a city condo does without hoa fees

Im afraid Id go broke owning a condo

One of my uncles supposedly 'owns' his own condo outright but now cant afford the monthly fees or taxes do he ends up taking out reverse mortgages.

Now in his 80s he still has to work temp jobs & casual labor to make ends meet because his pension cant support him. So I dont want to buy a condo only to end up in the same situation as him.

So im seriously thinking about getting a piece of land and placing an inexpensive structure on it like you did with your trailer.

Anyways your adventures in trailer living were quite informative

Would you consider doing that again Doce?

Or would you prefer city life apartment style living Dove?

Quote from: Dove on November 14, 2024, 08:47:51 PMThe furnace guy came today and it's not gonna cost 10k.

 Its costing 13k   

 New furnace AND new central air unit.

 This man still is on oxygen and paying for home repairs

Remove the labour component and you can halve your costs easily. Isolate the unit (electricity), unwire, remove, reinstall new unit. Switch on. Simples!

Quote from: Lab Flaker on November 15, 2024, 05:26:48 PMRemove the labour component and you can halve your costs easily. Isolate the unit (electricity), unwire, remove, reinstall new unit. Switch on. Simples!

If you do that make sure to check your local building codes to see if it requires the unit to be inspected and approved. If it does, and you don't do it, and the furnace unit starts a fire the insurance company will not pay for the repairs.

Quote from: Oliver the Second on November 15, 2024, 06:00:36 PMIf you do that make sure to check your local building codes to see if it requires the unit to be inspected and approved. If it does, and you don't do it, and the furnace unit starts a fire the insurance company will not pay for the repairs.

I suppose if you live in a cold climate like Dove Dove does, the furnace might be one of the first things to got, needing replacement.

But I suppose if you live in a desert climate it'd be the Air con that'd go first, eh Oliver the Second Ollie?

Quote from: Oliver the Second on November 15, 2024, 06:00:36 PMIf you do that make sure to check your local building codes to see if it requires the unit to be inspected and approved. If it does, and you don't do it, and the furnace unit starts a fire the insurance company will not pay for the repairs.

There's that...but if it's a new unit, one is pretty safe.