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Cabbages and Kings posted:maybe if you grow up on the North Shore of Chicago or something? Every adult in my life said "go to community college and live at home and then go get a bachelor's if it still seems like a good idea". So, that was what i did because I was a young impressionable kid. The thing about student debt is that bankruptcy doesn't lift your obligation. Moving to the other side of the planet doesn't even do that, which was what I briefly entertained before deciding against the whole thing altogether.
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Dec 14, 2021 16:38
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i am harry posted:“We couldn’t see those documents because Hertz made them confidential. Confidential means secret.” theres a "or show them here" in there as well. I got the impression the dude had them and hertz they just made it unavailable for access in general, unless you have a copy.
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Dec 14, 2021 16:38
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wynott dunn posted:they’re doing 35 year mortgages now? low ratio (20% down) but yeah most canadians go for 25 unless they can afford larger down payments for longer term. as a bonus, lower down payment = lower rates so they mostly go for 25 for that reason too
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Dec 14, 2021 16:39
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Casey Finnigan posted:to stop the shortages governments would need to take action but taking action would require seriously acknowledging the shortages. Best thing to do is nothing obviously Also government action would disturb the market. Can't be having that.
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Dec 14, 2021 16:40
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wynott dunn posted:they’re doing 35 year mortgages now? some lenders will do 40 year mortgages and I think there was a covid-specific "relief" program to modify out to 40 years
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Dec 14, 2021 16:41
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Animal-Mother posted:Is Groverhaus in Georgia? OH, iirc.
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Dec 14, 2021 16:41
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I like that there are so many things this could reference, still oooooooooof https://twitter.com/Dictionarycom/status/1470771245239132166
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Dec 14, 2021 16:42
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just going to buy this house that I'll still be paying off long after "retirement" and probably until I'm dead this definitely isn't rent or anything no way
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Dec 14, 2021 16:42
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Paradoxish posted:some lenders will do 40 year mortgages and I think there was a covid-specific "relief" program to modify out to 40 years aahahhaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa aaaaaaaaaaaaaa
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Dec 14, 2021 16:42
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gently caress it knock my loan out to a 100 years - all these silicon valley guys seem to think we'll be good for it and we trust them to be the ultimate authority when it comes to everything else nowadays.
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Dec 14, 2021 16:44
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I wonder how popular a policy like "minha casa, minha vida" (my home, my life) here in Brazil would go in the USA/Canada given their housing markets basically the federal government used its financial-services-to-the-public corporation (Caixa) to finance loans towards home ownership
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Dec 14, 2021 16:44
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Goa Tse-tung posted:I like that there are so many things this could reference, still oooooooooof suck my dinctionary!!
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Dec 14, 2021 16:45
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i am harry posted:aahahhaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa bankrate tells me that this is a thing and I don't want to believe it: quote:Interest-only loan – Some lenders might allow you to take out a 40-year mortgage that requires only interest payments during the first 10 years. Afterward, the loan effectively becomes a 30-year fixed-rate mortgage. The benefit is even smaller monthly payments upfront — but the trade-off is risky, because you build no home equity within the first decade (unless your home climbs in value). What’s more, you run the risk of default by not chipping off any of the loan principal for the first 10 years, and the risk of needing to pay a higher interest rate after 10 years. pay the bank rent for ten years and they'll allow you to eventually have an actual mortgage with them
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Dec 14, 2021 16:46
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dead gay comedy forums posted:I wonder how popular a policy like "minha casa, minha vida" (my home, my life) here in Brazil would go in the USA/Canada given their housing markets that would assume the US government had any gumption to empower or better the lives of its citizens, OP. They don't and its actively frowned upon by the elite sooo
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Dec 14, 2021 16:47
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does mr applebee know that you can't eat this
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Dec 14, 2021 16:48
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Rutibex posted:a real estate agent isn't performing useful labor. they are doing rituals to preserve the legitimacy of capitalism, just like a lawyer or a celebrity doesn't a real estate agent have to know all about real estate laws/regulations etc.?
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Dec 14, 2021 16:49
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Crunchy Black posted:that would assume the US government had any gumption to empower or better the lives of its citizens, OP. the basic principle of American political thought in summarized in the right-wing propaganda pamphlet "If You Give A Mouse A Cookie"
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Dec 14, 2021 16:51
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dead gay comedy forums posted:I wonder how popular a policy like "minha casa, minha vida" (my home, my life) here in Brazil would go in the USA/Canada given their housing markets "no because americans are loving worthless pieces of poo poo and deserve nothing." -the government of the united states
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Dec 14, 2021 16:51
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USDA Rural Development loans can be stretched to 38 years. So if you live in a county considered rural, that's always an option. I'll probably apply for a RD loan after I buy land. Easier to get a mortgage to build if you already own the land outright, or at least I've been told.
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Dec 14, 2021 16:51
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SKULL.GIF posted:crosspost from biosphere collapse yeah well I mean it's off of *Coal Oil* point, so... what did you expect?  
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Dec 14, 2021 16:52
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FistEnergy posted:https://twitter.com/maththrills/status/1470704481696321538?t=adDPfzuOj076TU-z2hwMQw&s=19 The car is America and the dog is Biden.
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Dec 14, 2021 16:52
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full headline doesn't fit, it also mentions he's owned a business in an underserved area for three years
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Dec 14, 2021 16:53
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Paradoxish posted:just going to buy this house that I'll still be paying off long after "retirement" and probably until I'm dead yeah but at least you can knock holes in the walls without getting evicted
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Dec 14, 2021 16:53
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Orange Devil posted:government action
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Dec 14, 2021 16:53
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dead gay comedy forums posted:I wonder how popular a policy like "minha casa, minha vida" (my home, my life) here in Brazil would go in the USA/Canada given their housing markets Crunchy Black posted:that would assume the US government had any gumption to empower or better the lives of its citizens, OP. The US government created Freddie Mac and Fannie Mae to play a role somewhat like this, but it hasn't worked out in the same way over the various decades. https://en.wikipedia.org/wiki/Freddie_Mac https://en.wikipedia.org/wiki/Fannie_Mae
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Dec 14, 2021 16:53
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actionjackson posted:doesn't a real estate agent have to know all about real estate laws/regulations etc.? in a more sane system, someone who can organize and show multiple properties for you as a potential home buyer, along with knowing about the ancillary details of the areas, etc, is something that is a value add as it saves you, the buyer, time and effort.
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Dec 14, 2021 16:54
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i am harry posted:The thing about student debt is that bankruptcy doesn't lift your obligation. Moving to the other side of the planet doesn't even do that, which was what I briefly entertained before deciding against the whole thing altogether. my uncle has never repaid his student debt from decades ago (he's on disability due to mental illness), he's declared bankruptcy but also never answers his phone lol
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Dec 14, 2021 16:56
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Paradoxish posted:bankrate tells me that this is a thing and I don't want to believe it: quote:(unless your home climbs in value) Here's the part where people talk themselves into this being a good idea.
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Dec 14, 2021 16:56
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Eric Cantonese posted:The US government created Freddie Mac and Fannie Mae to play a role somewhat like this, but it hasn't worked out in the same way over the various decades. The US government creating a private corporation to carry out basic functions is um, not the same as the government providing services.
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Dec 14, 2021 16:59
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Animal-Mother posted:Is Groverhaus in Georgia? Virginia in the great dismal swamp region
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Dec 14, 2021 17:00
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actionjackson posted:doesn't a real estate agent have to know all about real estate laws/regulations etc.? you'd think so, but largely no. they might have a handle on the basics but for anything more complex than than the real estate equivalent of "walk into store and buy thing" you need to go to an actual real estate attorney.
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Dec 14, 2021 17:04
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actionjackson posted:doesn't a real estate agent have to know all about real estate laws/regulations etc.? depends on whether you're talking about a hypothetical country/state with laws and regulations designed with the intent to protect the interests of everyone, that actually enforces them evenly rather than selectively... or if you mean reality
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Dec 14, 2021 17:06
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Lmao shitco tech
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Dec 14, 2021 17:06
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Crunchy Black posted:The US government creating a private corporation to carry out basic functions is um, not the same as the government providing services. Yes. I agree. I said those entities were created by the government to play a similar role as what the poster mentioned for Brazil, that it has not worked out in the same way as just the government stepping in and just providing services.
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Dec 14, 2021 17:06
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Paradoxish posted:just going to buy this house that I'll still be paying off long after "retirement" and probably until I'm dead my mortgage is functionally the same as rent but it’s also less than half what I was paying for my last apartment even though this place is almost double the size so  I got extremely lucky being able to do this at all, and it’s hosed up to think of a beloved relative’s death as ‘lucky’, but my share of the life insurance was just enough for down payment and closing costs, and paying rent directly to the bank instead of to a landlord is going to save me tens of thousands of dollars in the long run. it’s still a predatory trap option with more downsides than upsides, but housing is so hosed up in the US that it manages to be the least bad option available. Unless you’re wealthy, of course - the rich can just buy houses outright and not have to deal with any of this poo poo, lucky them!
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Dec 14, 2021 17:18
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Goa Tse-tung posted:I like that there are so many things this could reference, still oooooooooof lol
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Dec 14, 2021 17:20
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Chad Sexington posted:The car is America and the dog is Biden. lmfao
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Dec 14, 2021 17:21
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Dec 14, 2021 17:22
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Eric Cantonese posted:Yes. I agree. I said those entities were created by the government to play a similar role as what the poster mentioned for Brazil, that it has not worked out in the same way as just the government stepping in and just providing services. Understood, but I think we all have a reasonable understanding, in here, that these entities exist outside of reality and money on the order of the US Military. Its a fake.gif
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Dec 14, 2021 17:23
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zetamind2000 posted:Virginia in the great dismal swamp region The famous picture of him standing in the mud is where he realizes the implications of that. IIRC that's the only reason he was able to afford, or maybe the reason he chose that particular piece of property is because he was getting such a deal and he would make out bigly on the back end. Swamp land is generally priced accordingly.
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