Clinch 17- Requesting B Sample.

[Hishiad]

lolz

I like how you say it like thats generally true.

My house payment is 707 with the escrow...so more like 580s for just the house.

Apartment payment my work friend pays....900

[TheStender]

I hate having to give business references. Why the hell would I know three people who aren't related to me.

[ftwrestler]

lolz

I like how you say it like thats generally true.

it is for the most part true. u mad?

[JAGERBOY]

My house payment is 707 with the escrow...so more like 580s for just the house.

Apartment payment my work friend pays....900

it is for the most part true. u mad?

Then you two are the biggest suckers in the world if you were ever paying more for an apartment than for a mortgage (unless you had some super decked out penthouse players palace which I know neither of you did). The most I've ever paid for rent on a 1 bdrm apartment was $650 a month, a cheap mortgage around here would be $800-$900 a month. So unless you live in Manhattan, I have a hard time believing you paid much more. If it were generally true, then everyone in the world, barring bad credit, would just go buy a house and save hundreds a month. But that doesn't happen, because its not generally true.

U mad?

[TheStender]

Then you two are the biggest suckers in the world if you were ever paying more for an apartment than for a mortgage (unless you had some super decked out penthouse players palace which I know neither of you did). The most I've ever paid for rent on a 1 bdrm apartment was $650 a month, a cheap mortgage around here would be $800-$900 a month. So unless you live in Manhattan, I have a hard time believing you paid much more. If it were generally true, then everyone in the world, barring bad credit, would just go buy a house and save hundreds a month. But that doesn't happen, because its not generally true.

U mad?

Not everyone lives in some crappy town in Ohio.

1 bedrooms around here are $600-800, two bedrooms are $800-1200. I think a mortgage would be $600-900 for the kind of house we'd buy if we could get one. I don't know if I'd want to buy a house though.

[ftwrestler]

Then you two are the biggest suckers in the world if you were ever paying more for an apartment than for a mortgage (unless you had some super decked out penthouse players palace which I know neither of you did). The most I've ever paid for rent on a 1 bdrm apartment was $650 a month, a cheap mortgage around here would be $800-$900 a month. So unless you live in Manhattan, I have a hard time believing you paid much more. If it were generally true, then everyone in the world, barring bad credit, would just go buy a house and save hundreds a month. But that doesn't happen, because its not generally true.

U mad?

lol fail

i pay 550 a month and my house payments are going to be 123$ A MONTH. And that is a 10 year loan, not your usually 20-30 so cut it by 50%.

idk where you got your loan quotes but they suck lol. If you shop right right you can get a move in ready 3-4br house for under 40k

[Clark_Kent]

You're cute, Zak. The reason most people don't go out and just buy houses is they don't have the credit to get a reasonable rate, resulting in a payment less than rent would be for a comparable sized place.

Stenny, I only have a 45lb dumb ell at my desk.

Hish, I just get paid what my hourly rate would work out to, not time and a half

[JAGERBOY]

Well I guess I just fail at life. BRB going to buy a 4 bdrm house for $200 month since their all over the place apparently.

And Stender, you must not know how to read, I said the most I'VE PAID, not the most expensive there are period. There are plenty of 1 bdrm apartments that are over $1000 a month around here. And Cleveland > the entire state of Minnesota

[Clark_Kent]

Well I guess I just fail at life. BRB going to buy a 4 bdrm house for $200 month since their all over the place apparently.

And Stender, you must not know how to read, I said the most I'VE PAID, not the most expensive there are period. There are plenty of 1 bdrm apartments that are over $1000 a month around here. And Cleveland > the entire state of Minnesota

The first step is acceptance.

Now onto step two, hugz.

[TheStender]

Cleveland > the entire state of Minnesota

I'm going to go ahead and say no.

you must not know how to read, I said the most I'VE PAID, not the most expensive there are period.

The first part is funny because no where in my post did I ever say anything about this.

[JAGERBOY]

Stender, do you really want to be my enemy again?

[TheStender]

Stender, do you really want to be my enemy again?

I don't even know what you're talking about, I'm on the side of renting. I just know it CAN be cheaper to own, especially if you're smart about it.

[Clark_Kent]

I don't even know what you're talking about, I'm on the side of renting. I just know it CAN be cheaper to own, especially if you're smart about it.

If you subtract what you are paying into principal from your mortgage payment, you will be paying less than you are for renting. Aren't you an accounting major, Zak?

[JAGERBOY]

I don't even know what you're talking about, I'm on the side of renting. I just know it CAN be cheaper to own, especially if you're smart about it.

I don't like your tone.

[Clark_Kent]

I don't like your tone.

I love your toned physique

[TheStender]

I don't like your tone.

Since you're reading my words on a screen, it's actually your tone. So if you don't like it, change it.

[forcefedfreak]

Since you're reading my words on a screen, it's actually your tone. So if you don't like it, change it.

[Clark_Kent]

I actually like my commute now since I am riding my motorcycle. Why doesn't every one have/ride one?

[JAGERBOY]

Because they are dangerous. srs

[TheStender]

I actually like my commute now since I am riding my motorcycle. Why doesn't every one have/ride one?

I don't have a commute. I have an interview tomorrow, but the job is only 12 miles away so I don't think I'd need a commuter vehicle for that.

[forcefedfreak]

Because they are dangerous. srs

This. Well... most people perceive them to be dangerous.

[LAWLER89]

Because they are dangerous. srs

This. Well... most people perceive them to be dangerous.

It's not that the bike itself is dangerous, it's that people are never checking for bikes around them, will put bikers in danger on a whim, and there's no margin of error in an accident.

I got T boned going 30 through an intersection by a GMC Jimmy back in '08. I ended up flying into the guardrail on the freeway on ramp. I didn't have a bump or bruise to show for it. Now if that same Jimmy slams into me while I'm on a Kawasaki...that becomes a very different story.

[Clark_Kent]

It's not that the bike itself is dangerous, it's that people are never checking for bikes around them, will put bikers in danger on a whim, and there's no margin of error in an accident.

I got T boned going 30 through an intersection by a GMC Jimmy back in '08. I ended up flying into the guardrail on the freeway on ramp. I didn't have a bump or bruise to show for it. Now if that same Jimmy slams into me while I'm on a Kawasaki...that becomes a very different story.

So, you were rustled by a Jimmy? Don't hear it happen like that too often.

[JAGERBOY]

If you subtract what you are paying into principal from your mortgage payment, you will be paying less than you are for renting. Aren't you an accounting major, Zak?

wat

[Hishiad]

I actually like my commute now since I am riding my motorcycle. Why doesn't every one have/ride one?

If only I could rent one....



JB in your example you paid 650 just for rent for an apt half the size of my house with no ability to get back any $$$ back on your investment.

I pay 580s for my house payment and that is on a 100k+ house that was turn key. Not even a cheap fixer upper like ftw is getting. Always better to own.

[JAGERBOY]

If only I could rent one....



JB in your example you paid 650 just for rent for an apt half the size of my house with no ability to get back any $$$ back on your investment.

I pay 580s for my house payment and that is on a 100k+ house that was turn key. Not even a cheap fixer upper like ftw is getting. Always better to own.

I have several friends who own houses around $100k, and all of them are paying over $800 a month, so thats what I'm basing my knowledge off of. I've never seriously looked into owning a home, so I don't know the ins and outs of mortgages. All I know is I pay $525 a month for rent, and if I were to buy a house, I'm assuming I'd be paying $800+ a month. Maybe you guys just all have phenomenal credit and my friends don't. Either way I'm done with this convo since I've been througoughly owned in every way.

[Hishiad]

I have several friends who own houses around $100k, and all of them are paying over $800 a month, so thats what I'm basing my knowledge off of. I've never seriously looked into owning a home, so I don't know the ins and outs of mortgages. All I know is I pay $525 a month for rent, and if I were to buy a house, I'm assuming I'd be paying $800+ a month. Maybe you guys just all have phenomenal credit and my friends don't. Either way I'm done with this convo since I've been througoughly owned in every way.

Well there are multiple factors. One is don't count the escrow since it is for taxes and insurance. Second loan length. Third interest rate.

I mean if I wasn't planning to stay somewhere very long then I wouldn't buy a house...but even if I decide I want to move I can sell the house and move. Normally you don't lose $ on a house either...but in today's market no clue.

[JAGERBOY]

Well there are multiple factors. One is don't count the escrow since it is for taxes and insurance. Second loan length. Third interest rate.

I mean if I wasn't planning to stay somewhere very long then I wouldn't buy a house...but even if I decide I want to move I can sell the house and move. Normally you don't lose $ on a house either...but in today's market no clue.

I don't know what escrow is. Are you required to pay that every month?

[LAWLER89]

So, you were rustled by a Jimmy? Don't hear it happen like that too often.

[Hishiad]

I don't know what escrow is. Are you required to pay that every month?

When you setup a mortgage you can also create an escrow which basically is an additional monthly amount set aside to make a lump payment on your behalf for insurance and taxes.

For example in my case I pay 140 a month into my escrow so that at the end of the year my taxes and insurance get paid by the mortgage company from that escrow. My parents though do not have an escrow so they are given their bills directly and pay out of pocket.