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Topic Review (Newest First)
Today 10:31 AM
Chas Lol look man, you're the one that sends me articles claiming its better to rent than own. I'm sorry if I struck a nerve about family. If you can afford to rent a nice home in traverse city, you an afford to buy a decent home and actually get your money back as opposed to a black hole. That's it.
Today 10:22 AM
kylesvt720
Quote:
Originally Posted by Chas View Post
So, starting at a very young age, I gave money to my Dad to invest, and then eventually, (20 years later), it turned into my down payment for my house. On top of that, he is my bank, which I pay interest for.

If "daddy" didn't "help me out" I still would have bought a house. I don't save much money by going through my Dad. he undercut my best bank loan by .5% interest, that's it. Meaning, if my Dad did not invest any of that money, I'd still have enough for a small down payment for an FHA loan or similar.
He paid for your school to didn't he? How much did you have to work while you were in school? Did you pay your rent? cellphone? insurance?

My point with asking that isn't to cut you down, but to act as if it's "easy" because it was for you, is silly. I had to pay my own insurance and cell phone, (not on parent's plan for either) in high school. I had to buy my first vehicle, by saving sweeping floors and mowing lawns when I was 12, 13, 14. I remember having to put books on a credit card because I couldn't even get a loan for them one semester in college, and had to pay it back off. I would guess Tiff and I pay more in college loans each month than you pay in mortgage and taxes.

So yes, if I had 20% to put down on a house right now, you bet I'd be a homeowner. You consistently confuse the argument I make though. I am not saying buying a home is bad. I am simply saying it's not always good. Had I bought a house in Royal Oak, or Rochester, then ended up moving here, I more likely than not would have lost money on the deal.
Today 09:48 AM
Chas Yeah, it's totally worth it. Honestly, even if we weren't making money on our homes, i'd still enjoy it. I love taking something and making it newer and nicer. I hope to fix up more homes in my life.
Today 09:41 AM
egman2005 I bought my house all by myself lol. Just worked like 80+ hrs a week for a few months to save down payment plus borrowed from my parents and paid them back a month later.
Today 09:40 AM
klodkrawler05 We'd either still be in an apartment or I wouldn't have the z06 if Courtney wasn't uber thrifty sacking away tons of money combined with her free college between her scholarships and her dad being a war vet.

I wasn't really good at saving money till semi recently but at least I didn't do lots of the normal college kid dumb stuff i.e. no student loans or crazy credit card debt.
Today 09:32 AM
Chas
Quote:
Originally Posted by kylesvt720 View Post
Perfect straw man argument.

I have only stated that buying doesn't ALWAYS make sense, not that it never does. It makes a lot more sense when daddy helps you out.
So, starting at a very young age, I gave money to my Dad to invest, and then eventually, (20 years later), it turned into my down payment for my house. On top of that, he is my bank, which I pay interest for.

If "daddy" didn't "help me out" I still would have bought a house. I don't save much money by going through my Dad. he undercut my best bank loan by .5% interest, that's it. Meaning, if my Dad did not invest any of that money, I'd still have enough for a small down payment for an FHA loan or similar.
Today 09:27 AM
kylesvt720
Quote:
Originally Posted by Chas View Post
Well according to Kyle that's the way to go.
Perfect straw man argument.

I have only stated that buying doesn't ALWAYS make sense, not that it never does. It makes a lot more sense when daddy helps you out.
Today 09:14 AM
Chas
Quote:
Originally Posted by Aku View Post
Meanwhile I'm over here chucking mucho dollhairs at a place that I don't get any money back from when I leave. le sigh.
Well according to Kyle that's the way to go.
Today 09:11 AM
Chas Yeah I rarely turn on my AC as well, I run my furnace fan and leave the windows open and it's manageable, even with yesterday's heat.

edit: window fans are godsends. (not window AC, window fan)
Today 09:09 AM
Aku Meanwhile I'm over here chucking mucho dollhairs at a place that I don't get any money back from when I leave. le sigh.
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