/biz/ - Business & Finance

Why do people like this girl. All she does is make anime faces.

>>19376533
>girl

>>19376533
People like anime faces.

>>19376553
Paying for porn is already pathetic. Paying for this is incomprehensible to me.

>>19376495
>period.
>99.9%
pick one fag. Also, i live in LA, like you wish you could, where the nuances of our RE market put us in your theoretical 0.1%. $6000.00 won't even get you an appointment with the realtor. I'd like to stay and chat about why buying anything near LA is dumb unless you are a multimillionaire or intend to rent out the property, but since you're probably too poor to even live here, I doubt you'd comprehend my argument.

>$6,000 down
uhhhhh it's more like $200,000 down where i live ($150,000 if you want a burned out shack)

>>19376753
lol noone cares where you live

You've got to admit, she's talented.

>>19376770
what a retard reply. my post was directly arguing against OP's premise that down payments on a home are easy to save up; they are not, unless you're in bumfucksville. you should strongly consider killing yourself.

>>19376495
I'm a rootless cosmopolitan, retard. I'm not "scared" of buying a house I just know I'm going to want to move out within a year or two.,

>>19376629
Same here, I don't get it

>>19376779
I admire her hustle, perfecting the art of being a fake video game woman and taking advantage of perpetually adolescent manchildren who are afraid of reality.

>>19376495
Wrong. Expenses on a house is approx. the same as renting. The math has already been done. A mortgage is for people without the decipline to consistently invest in the stock market

>>19376495
>locking in to a mortage right before THE BIG ONE
hold these bags cuckboy

>>19376495
I'm Australian but the situation is too different from the american narrative. Buying a house now is a stupid idea, its better to wait because the economy will tank again and be dead for a few years.

As for getting a house, im 25 and neeting, im a parasite on the government and im happy about it. I intend to renounce my citizenship soon, thus i have no need for this country. Might as well take as much free gibs as i can get in the mean time.

The current place i live in is 700k AUD, when it was built it cost 30k (not a typo) when the minimum wage was equivalent to 100k AUD, its a piece of shit and ill only get a 1% yield per year, why put myself into debt over that? I can buy a luxury apartment in Malaysia for 300k AUD with better returns, I can buy a luxury mansion in Georgia for 500k AUD.

If you really love your home country then fine, be a slave to the system but i dont want to be treated like cattle, im going elsewhere.

>>19376889
tfw you dont realize
>the big one happens
>banks go bankrupt and shut down
>all mortgages are wiped out, loan no longer exists
>free house
this is the perfect time to be in a mortgage

>>19376960
>government bailouts
>money printer
common anon, you really think the goys are going to win over the bank?

>>19376495
>1 post by this ID
>creates thread just to shit on people
>doesn't care about the truth, only here to demoralize
This thread is not helpful to the anons it was written to trigger, and should be pruned.

Renting allow me to accurately gauge my living expenses for a 3 year period while I DCA'ed into LINK without added risk. If the water heater, furnace, roof, or other lump sum payment emergency would have happened in that time frame I would have missed out on adding large portions to my holdings. I live in the Midwest and my rent is ungodly cheap. I will buy a duplex myself soon to live in one side and rent the other, but that will be from diversifying my Golden Goose holdings I went mostly all into early on.

>>19376495
>6000 down
You’re either A) living in a piece of shit area with niggers
B) Butt fuck no where with shit amenities where it’s blazing hot in the summer and freezing cold in the winter

Final verdict: you’re a nigger lover.

>>19376495
>6,000 for a down payment
After covid, banks want 20% of the houses value. I live in NYC where a house in the ghetto is half a mil. I don't have 100k in the bank. No one does

>>19376533
shes qt.
why do people like kittens?
they're qt.
kittens also don't continually demand money with menaces, but they shit everywhere instead

Does renting a place for a grow op count?

>>19377076

>no one does

a lot of us do, I'm just not buying shit because everything is laughably overpriced right now. houses cost double what they did in 2013, how is that logical

>>19376495
>GO INTO DEBT & BUY A HOUSE YOU LOOSERS
LOL 6K ain't Jack for a house

>>19377076
wrong

I just got approved for 3.5% down on an FHA loan with a 2.875% interest rate

get dabbed on rentcuck

>>19376990
no but i will tell you one thing
buy house for $500,000
money printer brrr
eventually dollar loses value
house still $500,000 loan
house now worth $1,000,000
you stupid faggots still dont realize that the original bitcoin is a fucking house/land

>>19377088
Wrong. Kittens shit in their litter box.

>>19377249
Want to know how i know you're poor OP?

>>19376495
I live in central maryland. Find me a house to live that is affordable and not surrounded by niggera

>>19377457
please, go ahead and explain how putting down 20% on a house is a better idea so I can expose you as a /totalfuckingretard/

go ahead, please. im waiting

>>19377480
move

whoa, would you just look at that? now all your problems are solved. you should pay me for giving you such positive life advice

>>19376753
In the northeast it's like 40k. Better off putting that money in crypto or the stock market.

>.gif

>>19377508
because you're willing to pay extra for mortgage insurance to buy a box and some dirt in some shit tier flyover state without the necessary money supply/flow for an average guy to actually get rich. Want to know how i know you live in a shit tier flyover state without the necessary money supply/flow for an average guy to actually get rich? Because 200k houses don't exist anywhere in the USA that actually matters.

>>19377072
rentcucks STAY mad

>>19376495
>you're a spineless loser. period.
"Why yes I live with my parents and shitpost on the internet for a living, how could you tell?"

>>19377508
Also, how much land did you get for that 200k? Water and/or mineral rights? What's the zoning? Red area or blue? Is the major industry nearby anything other than coal or corn?

>>19377705
>Florida
>quarter acre tops
LITERALLY 80 year old boomer tier property

>>19377705
>70's yellow glue-down shag
>sand yard
>hurricanes 'n' shiet
>zombie economy
>resistive heat in plaster
>addon central air

>>19376495
I live in Japan, it's not worth my time buying a house that I will need to keep updating to follow the strict earthquake codes. Just let the real estate company handle it!

>>19377689
>because you're willing to pay extra for mortgage insurance
save $28,000 by putting 3.5% down opposed to 20% down on a $170,000 house

PMI is $135/month aka $1,620/year

the $28,000 you invests matures at a modest 6%/year for $1,680 ROI

Oh, would you look at that. they breakeven.

hmm, lets look at next year.

$160,000 left on the loan
PMI is now $132/month aka $1584/year

the $29,680 matures again at a modest 6% and well holy fucking shit would you look at that, $1,780 ROI

and the gap continues to grow until every single fucking year

get absolutely destroyed you dumbass rentcuck

>>19376495
hmmm what would I rather spend $6k on... 30 ETH, or a shack in alabama or whatever nowhere shithole town you live in hmmm that’s a tough one

>>19377809
>>19377814
>rentcucks unironically discussing appearance
hahahahhaa you people live in 600sq. foot over priced BOXES with neighbors literally 8 inches away and 20 of them within 50 feet of you at any given point hahahhahahhahahhahahah

>>19377754
oh, and its in a 10,000 sq. ft lot

>wahhhh, Arkansas
pffttthahahaha I guarantee that you whatever "unique" experiences your state has to offer, you dont take advantage of a single one even on a monthly basis.

you basically live in an overpriced shithole JUST so you can say "heh, I live in X" to people you dont even know on the internet

absolutely ABYSMAL. Post ONE single picture of you doing something in your state that anyone living in Arkansas, Georgia, Alabama couldnt do at any moment in time (you wont)

>>19376495
How did that girl sum up sex appeal so well.

>>19377336
my mother in law did this when she was in China kek, worked pretty well for her.

>>19376495
sad thing is, most places make you pay first and last, and a damage deposit. That's at min 2500-3000. That's most of a down payment on a house...

>>19377976
Yea which also means that statistically there's a lot more pussy to go around. Which also means I've gotten laid way more than your sorry ass stuck in your mom's basement in the middle of god knows where. Wouldn't mind some better air quality, but I guess everything has a trade off...

>>19377938
>$28,000 you invests
implying YOU yourself actually have this money and bought with 3.5% down because you "have an investment plan" rather than just being too broke for the prudent 20% down. Also you forgot to adjust for inflation and forgot about variable change, e.g. what happens to your property value when the 10 million boomers who are the economy in FL all die? If you think it's some kind of investment and you're smart money, you have a bad couple decades ahead of you anon.

>>19378147
a rentcuck who is a full grown adult with a child-like sense of humor.

im absolutely SHOCKED that you are a man-baby....

bump for more coping coastie rentcucks to get destroyed by facts and logic

>>19378172
hahahahahahah making this anecdotal now, just get BTFO you dumbass rentcuck

but lets have it your way, lets discuss my own personal situation.

i'm saving $200/month while owning opposed to renting a decent 2 bedroom.

it takes me the EXACT same amount of time to save $20,000 while owning opposed to saving $20,000 AFTER the down payment PLUS I will have been building equity in the house the entire time.

your tiny little rentcuck brain just cant get over the fact that youre wrong and retarded for renting. literally stuck on stupid.

>>19376495
>6,000

i live in canada bud. 60,000 is more like it

>>19378302
good for you
enjoy staying in your flyover state forever and not earning six figures at FAANG

>>19378340
enjoy wasting away in 600sq ft of your own shit

I'd honestly kms if I was over 30 years old and renting

>>19376495
>>19376735
>>19376753
>>19376871
>>19376889
>>19376927
>>19377045
>>19377072
>>19377076
>>19377176
>>19377705
>>19377712
>>19377814
>>19377938
>>19378147
>>19378321
*saves your money and actually lets you enjoy your life*
you could have a low effort average pay job, retire early, accumulate more on stocks, have more money for hobbies all in a nice cozy inexpensive trailer park

>>19376533
she looks very young

>>19378065
Here's one thing I can do that almost nobody in the states you mentioned would ever be able to do. There actually are a few dudes on this board who are legit millionaires, myself included, who know what they are talking about. Your 170k shit box is over priced and buying it with 3.5% down is fucking stupid. Enjoy the shackles of the stagnant south anon. Also, yes, the next one will be a lambo.

Just think of how soft her skin is

>>19378424
Who hurt you

>>19376495
This thread is fucking shit lmao

>>19378455
>paying actual money for a GT-R in the year of our Lord 2020
>flexing a $70,000 car on /biz/
>flexing any car on /biz/

I'm a /biz/ millionaire and I drive a 2014 Lincoln SUV because they're cheap comfort. Non-classic cars are just setting money on fire.

But Christ, why a GT-R? They're fucking awful. Do normies think they're like $500,000 cars?

>>19378425
>>19378425
>all in a nice cozy inexpensive trailer park

Fuck off Randy

>>19376533
I think shes got an ugly face personally

>>19378556
Your holdings are fucking trash, broke ass bitch.

>>19378455
hahahahahaha you can pick one of those shit boxes up on fucking eBay for $55,000. literally anyone making $50k/year could afford one of those. holy shit @ this retardation. living in a fucking BOX just so you can drive some shitbox that will blow its transmission at 60k miles. GREAT investment lmao

>>19376495
But then your kina stuck. Renting you can take off and if something breaks just call the land lord.

Does it count if my rent is $200 bucks and no fucking lie includes tendies?

>>19376495
Oh no, other people think I'm a loser!!!! Hahahahah
Ahahahahahahahahaha

I am living at home after college. Maxxx contributing to my Roth, 10% of salary into matched 401k, and buying some individual stonks on the side.

Plan on staying at home at least for another 6 months. Really don't want to rent, but it's a possibility. Right now I'm fat (working on it) so what's the point of me getting my own place just to not fuck anyway?

This year we cultivate wealth and lose weight

>>19378455
pftthahahahahaha oh wow a $50,000 car notorious for bombing its $20,000 transmission at 40,000 miles what a great investment

post the odometer so I can LMAO

Rentcuck:
>"Hey anon, let's go back to your place"

>"u-uh, o-ok"
============================================
Mortgagechad
>"Hey anon, lets go back to your place"
>"abso-fuckin-lutely, my neighbors aren't 8 inches away so we can fuck as loud as we want without the possibility of the cops being called!"

>>19376495
Is it weird that I want to smell her before deciding if she's hot?

If she smells nice and feminine, then she's fuckable.
If she smells awful and rancid, then she's ugly and gross.

Does anyone else brain work like this?

>>19378721
instability is a common trait with rentcucks.

in all reality/seriousness, most people who rent just do not have a stable career and therefore do not want to tie themselves down to a single location because they dont know what life has in store for them in one year.

if you enjoy that lifestyle, more power to you.

>>19378558
>drives a Lincoln
You’re not a car enthusiast and clearly don’t know shit about them. The GT-R has a hand-built motor and it’s a classic JDM beast (it’s nickname is Godzilla ffs). It punches way above its price point and sure as fuck has more character and class than a shitty old Lincoln.

>>19379072
No. Because I'm not interested in things like that I'm interested in someone who has shared interests with me and I enjoy being around.
Some Godless thot only has value in looks which aren't that important and rapidly depreciate. It's not worth my time when I'm in the market for a long term investment.

Anyone who is not repulsive is a potential mate if they have the correct interests and values.

>>19377705
Lol. No thanks.

>>19378923
2016 24k miles unmodified. The point is I don't own a home for legitimate reasons, I am a millionaire, and unlike you, I can afford to blow money on whatever I want at 33 knowing my retirement is already locked up. You on the other hand can't afford anything but an fha loan and project it as an achievement. stay poor, stay mad, and cope harder Cletus.

>>19378558
you should look up 2020 prices for unmolested original turbo supras from 93-98, then realize the R35 GTR is the supra of the 2010s with only a couple thousand produced each year, and finally look up 2020 prices for the R34 and realize the R35 is guaranteed to increase in value over time. Plus i love the car enough to keep it 20 years

>>19379151
Going forward it will be most people. Who can guarantee they can keep a job in the same area for at 5 to 10 years with solid income increases? Probably in large cities with lots of iobs, but house prices there are already ridiculous so it doesn't matter and you'll just lose your job next recession/pandemic.

>>19379222
pics of apartment

>>19379225
dumbass doesn't know what pictures are

>>19379304
pftthahahahahaha wait what?

you think people in the CITIES have the best job security? have you been living under a rock the past 3 months?

cities have been hit the hardest by this virus shit. their economies are at stand stills. rural cities kept chugging along like nothing happened

cityfags are so deluded, it must be the poor air quality

>>19376495
The top is in. I repeat:
THE TOP IS IN

>>19378558
>>19378705
>>19378923
seething jellyfags

>>19378848
Way to give up on yourself. I'm 220lbs at 6' 1", have man boobs and a bit of a gut. I'm also autistic and introverted as hell. I've fucked four girls in the past 2 years (2 long term relationships) and 2 guys (hookups). If you can't have sex you're not trying.

thats a man

>>19380545
I could outright buy that car two times over with a cash-out re-fi. something you rent cucks will never be able to do LOL

>>19379225
tractor chad coming through.. heh. have fun with your little faggot car

>>19376495
I'm renting. Have enough savings to flat out buy a condo, but would rather short the boomers/chinks when the bubble pops than hold one of their bags.

>>19376495
>6000 is a downpayment on a house in the US and people actually complain

Bruh a down payment on a house in my country is like 60k US.

>>19380646
I could flat out buy 5 of your shacks in flyoverland with my stock investments.

>>19381486
post a single shread of tangible evidence you even have a roof over your head

Bro $6k is what the realtor fees would be. I live in LA and I had to give $50k down because I kept getting outbid and loosing houses on the market to firms or other wealthier fags... Home was $530k .. 2.9% .. this for a shitty 3 bedroom house 2 bath and a converted garage. I'm living in the garage now and renting out the home I hardly pay anything but I'm back to living in a garage like a neet again.. idk man

>>19377088
>>19376553
kittens are objectively cute. This makeup encrusted atrocity siphons money off of retard simps like you that encourage talentless whores.

Fuck outa here with buying a house NOW during a global pandemic. Niggas smokin that Gouda shit. Also housing prices in the states are massively overpriced.
>Electric bill on a mcmansion
>Heating bill in a mcmansion
>Insurance
>Property taxes
>Trash / community fees
>mfw I pay $500 flat all utilities in a college town
Anon niggas is cozy stackin chips and fucking blonde barbies

Realtors, loan agents, backend whatevers, lawyers, it's all so much bullshit I'm getting pissed off. There are too many fingers in the pie and they all want to take some with them. At this point I'm just going to pay in cash even though I'd get better rates from a conventional loan. They keep jerking me around oh that's in another city so you have to X first, oh that's a different state/county, oh but that's a foreclosure and you need a different loan. I don't know what it is but there is something very suspicious and even immoral about all this.
I went from looking for a 3 bedroom 2 bath house around 130k to saying fuckit and looking in the big city for a 2,000sqft+ house for 20 to 60k. I'll fix it up a bit and have a much better place. Why do boomers paint everything shit beige or gray? Why pick the ugliest fucking counters and floors? House flipping should be illegal, and carry the death penalty if they did renovations with intentions of selling for a profit. It drives up the cost of the house and then you have to rip it all out and then buy not fugly stuff to replace it.
Despite the frustration I am excited though. I'll go from 1400/month in rent and utilities to about 5k/yr in taxes/utilities. Best of all its my own place and there won't be a single speck of beige or grey anywhere in the whole fucking place. I'd rather find a smaller place but old houses are all gigantic. At least they are better looking than new builds.

>>19378584
Personally, I prefer less than an inch of makeup on someone's face.

>>19376815
>buy house for 150k
>pay off 12k over 2 years
>sell for 150k and take 12k profit

Versus

>rent for 2 years
>move out, down 12k over 2 years

Phoenix resident here. Down payments here are doable in similar amounts mentioned here from OP, and I still have a hard time agreeing with these interest rates. It seems evident nobody wants to live in a home that isn't urban enough, but don't take the bait people. Rentals are your safest bet to a basic future in this shit economy. That and/or invest in being wealthy out of the country.

>>19383603
Why would anyone want a safe basic future?

>>19383469
iktf bro

>>19378425
Nah. Gotta at least be a "nice" trailer if that's where I'm retiring

>>19376495
You know I would like to meet her and strike a conversation with her just to get a glimpse of how much she believes her own bullshit of being a fairytale Internet girl or if she actually understands what she’s doing
My money in on the latter but the first would be pretty fun to witness ngl

>>19383700
shut up bitch

>>19376495
Not everyone wants to live in the same place their whole life, I've moved internationally and don't intend to stay here forever. Such a dumb narrow minded way of thinking, yeah sometimes buying a house early makes sense, sometimes it doesn't.

I live in the assfuck center of a beautiful European city, if I were to own a property it would be in some suburb 2 hrs from here.

>>19378187
that pic turns me on. especially when u talk me down. add mebon kike 'larpingcuckbinary'

OP confirmed for developer shill, like do you have to make these threads every fucking day? I'm buying 2021 OK?!

>>19379007
>Mortgage chad
Wow anon you're in debt for 35 years, that's so hottttt

>>19379198
But what if she smells bad anon?

>>19376495
The sheer amount of idiots on /biz/ claiming a house is a great investment lately makes me think we're not far off a housing crash.

>>19383951
Why are they wrong?

>>19376495
What if I'm not in America?

>>19383700
incel

>>19382825
wow what a nice screenshot, which game is it from?

>>19378455
>Nissan
LMAO

>>19376495
>mortgage is cheaper than rent in 99.9% of America for residences of equal quality and size
>I'm such a good goy for owing Mr Shekelberg interest
Ok faggot.

Both rentcucks and mortgage cucks are dumb as shit.

By renting you are making landlord else rich.
By mortgaging you are making jew bankers rich.

Right answer is living with your parents and scamming or doing whatever the fuck you can so you can afford to buy your own place IN CASH.

That is what I did.

>>19384021
A home is just a place to live. People who just assume they will make a great return on it are brainlets. There are plenty of cases where renting works out better. To actually make sure you'll get a return on a home requires you do a whole pile of research and have some level of competence in the industry, which most people don't do.

>>19384490
A place to live is pretty fucking important to some people. It's so stifling not being allowed to just tear down a wall or install a steam shower, and all simply because you rent and don't have a place to live. It gets old after a while.

>>19384068
the interest I pay to the bank is nowhere near the amount you pay in rent directly to your landlord L O L

>>19383877
>women think further than the weekend
Also literally just sell the place when you feel like not having a mortgage, I don't understand how this is an argument?

>>19376495
investing the down payment into stocks and funds is usually going to make you a lot more money in the long term than 1 property in a random city. rent is barely any more expensive in a lot of cases anyway if you count property taxes and maintenance costs on top of the mortgage and HOA. in general if you are a property owner of a small condo and rent it out, you'll net maybe 100-200 a month in a medium size city? any property that isn't brand new is also likely sold and resold a hundred times and not priced correctly.

the only reason to buy a house is to raise your family there or to catch a rapidly growing housing market opportunity and rent out the place. a lot of people between 24 and 35 are switching jobs frequently, which means possibly moving. buying a house if you are not completely sure about living there for 20 years is a dumbshit move, especially when the housing market in general is so high and shaky right now. trying to time the market with 1 asset is pretty risky and gay either way.

>>19385390
By 'some people', you mean broke people who want to show off to others what they 'own', sure. Those people are retarded and not worth your time.

>>19376533
Many if not all men are attracted to young girls. Unless they’re brainwashed to like milfs or were molested when they were younger by an older women. She’s legal but looks much much younger.

But I don't live in America and housing prices fall drastically after you buy one, like a car, here...

>>19385900
But that's what renting is, broke people showing off. A house is just a place to live. How the fuck is it even slightly related to showing off? They might have a higher networth because they live a more frugal lifestyle but there's no way to tell for sure unless you hack into their accounts somehow. Frucal living is pretty bad for showing off though so I really wonder how you come to such a strange conclusion.

>>19377336
thats not how it works lol.
you pay monthy mortage so you pay inflation adjusted mortage.

I don't know how to explain in English but you are wrong here. The Banks win with inflation, not the people who take up loans.

>>19376495
"Why Im better than everyone here"

/thread

>>19385788
"muh opportunity cost"

down payment on a $150,000 house is $5,250

rentcuck invests that $5,250 and gets 12% annual returns (lol @ rentcucks thinking they'll perpetually get 12% returns and arent in a bubble)

after 5 years, that $5,259 is now $9,252

mortgagechad does a cash-out re-fi after 5 years. he now has

*drum roll*

$14,964

and thats NOT including dropping the principal while calculating annual interest after every year. its actually closer to $17,000

The simple answer to the buy/rent debate is to buy a multifamily and charge the mortgage as rent

Like, why would you NOT do that

>>19386123
what kind of cucked country do you live in that adjusts your mortgage loan based on inflation?

>>19385752
Oh you're an incel, sorry I should have just ignored you from the start

>>19376495
why do you keep posting this thread? you worried the housing market is going to crash as more boomers die out yet 50% of millennials/zoomers rent instead of buy?

houses are way overpriced right now. i'm going to save my money and wait until prices come down a bit rather than be in debt for 20 years and have to spend tons of money on taxes and upkeep.

>>19378923
You got blown out, faggot. And I say this as a homeowner. Stop making shitty threads because you are insecure about your investment.

>>19378425

>telling people to live in a literal trailer park

/biz/

>>19377076
plenty of people in NYC have 100K in the bank, lol. my friend makes 700K a year working for the royal bank of canda. 100K is like a starting salary for most people with a decent college degree.

>>19386612
>walk up the street to 6000sq. ft. million dollar home
>write "RK5IqQhD sucks dick" on piece of paper
>stand in front of house, hold up piece of paper, take pic
>"heh, nothin personnel"

S M A L L B R A I N

>>19378340
this dude makes the same thread every day here. i think he's autistic. he constantly needs to tell people how smart he was to buy a house instead of renting and call renters morons. pretty bizarre. i'm glad you're happy to own a home dude (oh wait the bank is technically the owner because they'll take it from you if you can't pay).

>>19386621
you gotta admit though the price doesn't lie

>>19386551
>>19386704
this is my favorite rentcuck seethe
>wahhhhh you cant post this thread every day!!!

meanwhile there are like 10 ghost threads and 15 link threads. its so obvious this thread makes you seeeeethe lmao and the only way you know how to let it out is to bitch out "spamming". what a loser...

>>19378147
one of the most retarded copes i've ever seen in the history of this website
based retard

Is anyone else /condopilled/?

>>19376495
> for residences of equal quality and size
Okay, please tell me where I can find a 800sqft 1bd house because anything larger for a childless household is a waste of money.

>>19386710

>just live in the middle of nowhere in a trailer park surrounded by white trash! Think of the money!

/biz/

>>19377336
You're naive as fuck if you think banks haven't thought about every possible scenario and how to fuck you if each of them happened.

>>19386043
If you're paying like 40% or more of your income for some overrated inner city place in rent, sure that is likely just some söy retard trying to show off. But I've found that it's more common for people to brag about things that they actually own (or own eventually from credit). It makes so sense to be bragging about the rental ferrari (unless you want to lie about it being a rental).

The irony of someone trying to signal status with a large house is that if they had to borrow to get it, by definition they couldn't afford it and are not wealthy by any means, because if you were wealthy and wanted it you'd just buy it outright.

>>19386899
pftthahahahahaha wait, you live in a one bedroom? where's your office? you literally have 2 choices between sitting in your living rooms and sitting in your bedroom?

jfc, what is wrong with you people? why do you confine yourselves to such absolutely tiny living spaces?

>>19386860
>HOA fees

>>19387310
Offices are for the workplace, not for home.

>>19386940
White trash are better than any

>>19386940
White trash > asians > spics > nogs

>>19376495
>buying a house right now

>>19376533
Thanks. Just coomed 100mL

After more then one year still doubting my real estate purchase. What do you think /biz/? Bought small 60m2 condo in medium-sized city in early 2019 for €174k.

Pros
- Cheap payable mortgage (25yrs, 1.7%, makes up abouy 25% of my cuckwage)
- Cheap costs and taxes
- Even before tax benefits already cheaper than monthly renting.
- Good location (close to city center, main highways, shops, ...)

Con
- Old building, roof, exterior walls and plumbing needs to be redone in the next years or else it'll turn into a shithole with even bigger issues.
- Probably paid 5k or so too much for it
- Condo at least needs to one big investment (windows or kitchen) to still be considered 'modern' in a couple of years.
- Ronachan is lowering real estate prices and people want more then ever a house with a garden because of quarantine.

I bought this because I was tired of cohousing and considered this as an investment to buy something bigger after four or five years. Not sure if I'll get a profit in that time.

>>19388692
Also, the condo was renovated ten years ago. So new floor, heating, electricity, ... It definitely doesn't need to be overhauled for the next 20 years. But the building man...

>>19387979
i dont hang out with any trash, whether white brown yellow or some sort of halfsies

>>19376495
God shes perfect

>>19378425
Trailers are 150k in california

>>19376533
She’s hot, she makes cum faces, and she caters to nerd fantasies

>>19376552
kek

>>19388020
>>19387979
>>19386940

do people actually believe this? Or do they have no experience with them and think they're inherently good because "muh whyte peopo gud"

>>19388840
She does the things NEETs who have never been around actual girls think girls do.
Also she’s really good at putting on sexy lingerie that makes her twizzler shaped body seem sexier.

>>19376735
I'm leaving LA it's an AIDS infested shithole. I've lived here my whole life and it blows, partially for this very reason.

>>19376533
I want to put my penis inside her.

>>19376495
I‘m 32 and live rent free with my parents

>>19388069
Check your prostate.

>>19388821
Yes, I just want to bash her frail skull with a baseball bat.

I pay 550 euros for a condo in Amsterdam. I don't really give a shit about that money but rather have my freedom so I can decide to move out of this shithole in no time. Of course I am lucky with the price but it's not that hard. I just prefer freedom over the money difference.

>>19389521
damn she should do a gloryhole porn movie

>>19376495
>$6,000 for a down payment on a house

What if the rich girl I fuck pays my rent? $3,200 a month.

>>19387908
kek
>he can't work remote
NGMI

>>19389615
>laughs in 1400 sq feet
>screams "stupid nigger rentcuck" at top of lungs without fear of retaliation from feral niggers living next door

>>19376495
Please, PLEASE tell me where I can buy a $30,000 house, seeing as you said $6k is enough for a down payment.

>>19389619
wtf

>>19380562
>I've fucked four girls ... and 2 guys
>IMPEACH!

I have about 20k I could put down on a house. pic related is typical for the area, this one is not too bad. anything I can afford is somewhere between a rundown 700sqft shithole or in the ghetto.
Currently I rent a decent 2/1 for $950 w/no water bill in a amazing neighborhood close to everything downtown and the rent has never increased since I moved here a few years ago. plus the landlord has been great and doesn't plan to increase rent. I hate renting but I don't want to live in a shithole. I want a fixer upper in a decent area but that is pretty much impossible to find thanks to HGTV.
my rent is only a couple hundred dollars more than I would pay in taxes, insurance, maintenance, water, etc. on a house. I'm just going to stay here as long as the rent is cheap until I have more income and a bigger down payment

>>19389725
Yeah I live by the beach. She’s a little annoying but she’s the tightest of any girl I’ve fucked and she gives head so it’s fine.

>>19389721
>3.5% of 30,000 is 6,000
>rentcuck math

>>19376495
ugly mongloid slut with pooo eyes
i wish to punch your face to death

>>19376533
She's cute/funny and has a 10/10 face even without makeup.

>sign a 20 year mortgage for a 2 year stay
>ruin your credit score every time you sell it off
>sell at a loss every time you move epic style

Yeah ok

>>19390351
she is an ugly like hell 4/10

>>19386767
think about that
we'd rather see a board flooded with stupid NEETs pumping useless shitcoins than endure another post from you

that is how retarded your shit is

>>19378560
Kek

>>19390351
Enough to give her money though? You can look at other cute girls for free, you know?

>>19389521
pic related?

>>19391393

>>19391768
I have given Belle about $600 over the course the a year.

I do it strictly:
1) because she is hot
2) to do my part in motivating her to continue making this kind of content because it infuriates incels

its the best way to bully you retards

>>19376495
>6k for down payment
try 100k in europe kek

I'm 25 and live in san francisco tho anon. getting a steal at 1k a month considering I'm making 32/hr

both my parents separately have houses in this city and I could live there for free, but I chose to live with my brother in his downstairs unit so I could be somewhat on my own and still help him buy his house which was beat up yet still $1.65M lol

>>19392086
nobody fucking cares about your shit continent

>>19390351

She looks like a pimply pree-teen boy without makeup.

>>19389655
I can work at home if I absolutely have to, but I've negotiated with my employer to leave work at work whenever possible because I'm not a fucking slave.

>>19392915
whoa cool, hilarious to see you've done mental gymnastics to cope with the fact you *really* can not work from home by convincing yourself driving to an office is more comfy than working from home kek

learn to code

>>19376495
I can't afford a downpayment on a house and I have to live somewhere.

>>19392980
you cant save $6,000?

>>19392942
I'm a software dev. Salary, but strictly 40hrs/wk. My office is less than 2 miles away because I can change apartments whenever I change jobs instead of being tied down to a house and an hour commute.

>>19393144
what language

>>19376495
boomers: buy my house bags

chad millenial: no

>>19388729
why do people use the word condo? isnt it the same thing as an apartment? what makes it different? do you think it sounds fancier than saying you bought an apartment?

>>19393090
I'm working on it, but you should have at least 10% downpayment on a house, and I don't want to live in a $60k house in the ghetto. Ideally you should have 20% downpayment

>>19388840
>cum faces
Looks like no actual real cum face I've ever seen. You mean she looks like a hentai character making a weird face because the retarded NEETs that read and write that shit have no what it actually looks like?

>>19393258
for a first home, no, no you shouldn't

>>19393320
why not?

>>19393182
PHP for web applications and C for microcontrollers. Doing IoT industrial automation.

>>19376495
shes cute

>>19379193
>class
>nissan
>gtr
>nissan gtr displays class
vile satanic subhumans, its good to know you wont make it

>>19393375
>>19393182
I owned a home for 4 years by the way. I don't miss it. Most of the space sat empty and my equity would've made more money in stocks.

>>19381934
What do you do for work in LA? Just got fired, looking for new job

>>19389256
This is the answer.

>>19389259
Where are you going and can my dog and I come with you?

>>19393280
You sound autistic.

>>19392058
lol

>>19376495
>says OP while there is a huge global economic crisis
yeah, I'm sure everyone has enough money saved to be prepared when they get fired.
are you fucking retarded? did you come here to flex about your economic status or something?

>>19376495
If you're over 24 and haven't lived in at least 5 different countries and fucked girls of at least 30 different nationalities you're a fag who hasn't lived

>>19393204
You are an idiot nigger-lover. You don't own an apartment in the US, mongoloid. If ur too poor to buy a real house you can buy a condo with its associated condo fee (collective maintenance fee). An apartment you rent, you pay a Jew for the privilege of not living on the street, and this with AFTER tax money.

This is the theme song for your entire life. Your theme song will never change. This is you in a song, mongoloid: https://www.youtube.com/watch?v=GZDl_R8Zp2E

>>19393375
How did you start your career and do you have a CS degree? I have no degree but started learning JavaScript a few months ago. I'm enjoying learning to program but webdev is not something I want to stay with for long. I have an Audrino I've been making little projects for but I'm trying not to get too sidetrack from JavaScript because I want to get that first job ASAP. Microcontrollers and IoT industrial automation sound much more interesting to me. What advise can you give me? Thank you in advance

>>19392058
mission accomplished i was bullied
keep going anon maybe she will coom back :^)
honk honk

>>19394280
>What advise can you give me? Thank you in advance
don't call people idiot nigger lovers, some may consider it unprofessional

>>19394373
You're right "idiot" was rude and unnecessary. Thanks hero

>>19392058
This... this can't be real, right? Please tell me you are baiting, and I just fell for it like a retard.

Please.

>>19376495
Most of us don't live in bumbfuck small towns cletus.

>>19393351
because the money saved from putting 3.5% down opposed to 20% down can be invested into the market and at an average 7% annual return, you'd make more money than you'd save on interest/PMI.
>>19393375
Dont know C nor PHP but I do know any real dev knows SQL at a basic level at least

write a query that returns all records from a file called LARP

probably the easiest, most basic SQL query anyone could think of.

>>19393983
pftthahaha sorry you work in the food industry?

>>19394034
>fucking africans/south americans
DISGUSTING

>>19395019
>pftthahaha sorry you work in the food industry?
are you kidding me you absolute retard? unemployment is nearing 20%, people are being fired EVERYWHERE. I know some tech people that are beng fired because clients don't have any movement whatsoever.
also, yes, food producers and intermediates are firing people too. we will be lucky if this shit doesn't end in a revolution, with tons of people dieing of hunger or something.

>>19395182
I'd say 60% of America should be culled so the 20% that are jobless shouldn't be buying homes anyways

>>19392058
Ebin

>>19376495
>6,000 for a down payment
the fuck? multiply by 20 or 30 for houses here.

>>19395385
I'll take FHA loan for $100 Alex

>>19394999
most people do not live in metropolitan cities

enjoy your coronaAIDS

>>19376495
K.
Kill yourself.

>>19380562
>I've fucked four girls... and 2 guys
based and bisexual

>>19376629
I’d pay to munch on her

>>19376735
6000? bwhahhh


you need about 100K USD in sydney for the average house. Deposit that is.

and another 50K for taxes etc to buy.

>>19396905
S E E T H E
E
E
T
H
E

>>19386123
>you pay monthy mortage so you pay inflation adjusted mortage.

The fuck I do. I’m 6 years into a mortgage and it hasn’t changed.

>>19395019
>because the money saved from putting 3.5% down opposed to 20% down can be invested into the market
I don't have that "money saved" to invest in the market, and now I can't pay my rent and become homeless. Great plan

>Just leverage as much as possible so that the bank gets the most money! That way, you can eke out a tiny premium in the market after PMI!

>>19398188
>babbys first econ class
slide me a (you) and explain how fucking retarded you are

>>19376495
I'm 25, self-employed, have a $800k net worth and dropped out of college.
I rent because I travel a lot (can work from anywhere in the world).
Suck my dick wagesluts and mortgageslaves.

>>19398735
What are you doing for living if not a secret?

>>19398735
whoa cool, I'm 18 have a 10 inch dick and make $800,000 a year working for Wendy's and own 50 houses (one in each state) plus 5 condos, one in each of the non-3rd world European countries

>>19376753
200k down? that would be a $4 million house for a first time homeowner, so yep I guess you want to live in the best neighborhoods.

First time homebuyers can get a house with 3-5% down payment and roll the closing costs into the mortgage, so - even for a $200k house, you are talking $6-$10k dp.

Of course if you have shit credit, that will be higher.

If you live in a rural community, first time homebuyers with about $45k or less in annual income can get a USDA Rural Development mortgage with 1% down and 1% apr and a 33 year amortization. And houses are cheap af in rural murrica.

So, you can get a $1500sf farm house or older craftsman style in a nice little town for $75,000 for about $1000 down payment and pay about $300/month in mortgage, another $50 for taxes and then about $100 for insurance.

$450/month

But sure, choose to live wherever you want.

>>19378455
>buying a car
>bragging about owning a shitty block of steel for 70k
My $3000 crotch rocket and turboboosted doggo could smoke your shitbox any day and I'd get way more pussy doing it. Have fun investing into a depreciating asset faggot.

>>19398766
bro that's chump change i own wendy's and i live on a private island. im 24 and have banged 300 10/10 models from every country in the world

>>19398744
>nanananananananaaana

>>19376495
I’m not taking 30-40k out of my ChainLink position good try tho

>>19376495
I'm 12 and a Suterusu whale. What does that make me?

>>19398780
>300
A fucking scooter LMAO

>>19398861
a what?

>>19398744
I play online poker for a living. I don't really recommend getting into it, it's insanely competitive nowadays. Especially at high stakes.
>>19398766
Made $45k last month. Up $120k so far this year. Tax free. And rent free in your head.

>>19398918
>And rent free in your head.
pftthahaha I'm sorry, whose thread are you in?

I made this for another thread and thought I'd share it here :)

>>19376495
you never bought a house in your life have you?
6k for a down payment is ridiculously low. generally if youre paying under 5-10% down youre paying more than renting monthly. Futhermore, the intersest rates for FHAs are higher than conventional loans where you must put 20 down.

when buying a house you have to pay title transfers, inspection fees etc which will cost roughly 5-6k on top of the downpayment.

the 2 options you have is live with your parents and save or rent a room for 400/mo until you save up 100-200k cash (very easy to do in 1-2 years) and then spend that money on a sheriff sale property and renovate it. in the meanwhile save aggresively and invest in FAANG desu

>>19399196
lmao. based

>>19399219
>Futhermore, the intersest rates for FHAs are higher than conventional loans where you must put 20 down.
yeah let me just stop you right there, dumbass

I'm paying 2.875%

from the loan officer himself: "FHA loans generally have lower rates because the loan is issued and insured by the government which lowers the risk for the bank"

that being said, everything else you have said is therefore null and void and you have outed yourself as a /totalfuckingretard/

congratulations

>>19378425
I have nothing against people living in trailer parks. However when you advise someone to live in a trailer that's when I am questioning what you're saying. Cities are not where /biz/ wants to live. Most of us from housing threads make it pretty clear to stay away from cities if youre buying a personal house.

>>19376495
>he has a mortgage

have fun being middle class for the rest of your life

>>19399598
speaking of mortgages, is it a meme to refinance to a lower term and rate? is it not worth the costs and I should start putting more down on principal? That velocity banking stuff sounds retarded if you cant get a home equity loan for a rate lower than your mortgage. What does biz think?

>>19399598
is a rentfag talking about being middle class? pffttthahahaha you people are on the bottom rung of society!

>>19398861
>>19398898
SUTER. It's like blockchain 4.5

>>19376495
>you're a spineless loser
>posts a smip gif

>>19399675
block-what?

>>19399686
stay mad incel

>>19399719
>incel
your the one simping over a girl you will never get

>>19399758
yeah ok, she's said my name and i get a post card from her every month

>>19399774
kek

>>19378425
In exchange for living next to literal trailer trash. Have you ever spent any length of time in a trailer park? You can smell the poverty and desperation in the air. They are horrible places.

>>19386123
only if you have an ARM (adjustable rate mortgage) which are for financially illiterates and niggers.

>>19395182
>he thinks tech firings matter
where one position is eliminated three more open up. Not only is my company actively hiring people, I'm still getting pings from other recruiters trying to poach me every week.

>>19399598
what, do you think the elites don't have any loans on their property?

>>19399774
You're almost in anon. Just a few more months of postcards before she invites you out for dinner.

>>19399946
sure

>>19394088
damn you got real mad huh should've bought a house instead of a gay apartment fucking loser lmaooo

>>19399278
FHAs have mortgage insurance indefinitely unless you refinance to conventional when you built 20% equity

youre still paying more monthly with mortgage/taxes/utilities/etc than you would if you rented a room.

Before i bought a house from sheriff sale i rented a room for 400/mo with all utilities and internet covered.

you probably live in bumfuck no where.

if you buy a house at a sheriff sale and repair it, youre paying nothing but taxes and home insurance monthly

>>19400136
>FHAs have mortgage insurance indefinitely unless you refinance to conventional when you built 20% equity

what does that have to do with the fact you seriously thought FHA interest rates were highest than conventional mortgage loan rates?

youre grasping at straws so hard lmao

fixing my name

>>19400136
im going to bed and i know this thread will be dead when i wake up so I'll leave you with this nice image

lmao @ you bragging about your rent being $400 as if you weren't seriously living in an absolute shithole with 3 people living under the same roof. absolutely disgusting.

enjoy your former meth house sheriff's deal pffttthahahaha i can just tell youre from Ohio

>>19376495
Lmao $6k for a down payment? Give me a break. You need $100k+ in my area, and the market’s so fucky why would u risk buying right now?

Renting offers you the freedom to just fucking up and leave, unless you’re a normie loser who never plans on exploring different parts of the world and just wants to plop down in one place for 30+ years.

Have fun being boring.

>>19390351
>10/10 face even without makeup
Fag
See: >>19392426

>>19399219
>save up 100-200k cash (very easy to do in 1-2 years)
Wat

>>19398918

pls coach me / let me rail you. microstake MTT player with decent roi, but im a huge cg donk

richy #5492 on discord

>>19376495
In what place can you save 6000$ for a down payment?

>>19378455
My truck costs more than this and I'm in Oklahoma, jesus christ cope more, anon.