Any ole 1 bedroom apt in Queens can easily go for $1300-1500
The local host for the community buys the game for both systems; but it basically means that we have 2 set ups so 2 different copies of the same game ain’t that big of a deal.
how the fuck am I supposed to continue my job search, much less get anything done, when I have a brand new copy of Soul calibur 5 and characters to unlock? my girlfriend is either doing it wrong or very right.
anyone can save a lot of money on game purchases if they steal them…
I have a condo right now so that I wouldn’t have to take in the ass for rent. My goal is to eventually move out but keep the condo, and have it pay the mortgage for my future house. Fuck rent though. At least get some roommates or move in with the gf/bf (lol). That my be difficult on the east coast though. Those closets they pass off as apartments are ridiculous.
My girlfriend is working really hard at twisting my arm into buying a house. This after I get a stable job.
Exactly. Which is the argument I use when people complain PC’s are too expensive when compared to consoles. When you end up spending more money in the end because of 60 dollar games a month.
So far in SC5 story mode, Patroklos is some crazy asshole that is going around killing poor people, telling them they are malfested and accusing them of being in league with the devil.
White people are fucking crazy. Patroklos goes HARD.
His name sounds greek. I’d be going crazy too if my economy was 1000 times worse than the US.
What? No.
This is what normal people do.
Step 1) Borrow money from the bank, BORROW ALL THE MONEYS
Step 2) Use this money to buy the entire property, 100% outright, cash money because you’re baller like that.
Step 3) Spend the rest of your life paying the debt you owe the bank off (the mortgage).
Step 4) …
Step 5) PROFIT…?
The bank doesn’t own the property. But it’s held in collateral for the loan that bank has given you. That is, if you don’t pay, the bank will take the property as a penalty to your brokeass. Best illustrated by all these crazy Americans going crazy headfirst into the housing industry overextending financially and buying houses they can’t afford and then getting screwed when the mortgage rates went up - couldn’t pay it any more so the banks foreclosed everything.
You borrow money from the bank so that you can buy a house outright. When you sell the house, you are selling the whole thing to another dude who will own it all outright himself. In parallel both of you will probably owe the bank a shit ton of money.
Let’s say you buy a place for $250K. You borrow $250K from the bank to buy the place, and over time let’s say you’ve paid like $50K worth of principle back to the bank.
You sell the place to another dude, he gives you $250K. You get all of the $250K…but you owe the bank $250K-$50K=$200K. You keep the $50K.
BUT
If the place has increased in value, as property tends to do, maybe you sold it for $300K. You owe the bank $200K…so you keep $100K and you’ve doubled your money in this completely hypothetical scenario with no taxes, interest rates, and other miscellaneous variables that I have chosen to ignore.
If you rent, you’re just continually paying for the right to live somewhere. At the end of a six month lease, after you’ve paid six months of rent money…you have nothing to show for it.
If you buy, after six months, you have six months of mortgage principle payments to show for it. It’s like you own a small percentage of the place, that’s a piece of that $50K in those examples that you get to hold onto - it’s yours, you’ve already bought it from the bank.
Obviously buying a place needs a considerable amount of capital to start up, you need to save a lot of money for a down payment and you need to be able to get that mortgage from a bank or a Fannie Mae or whatever. And mortgage payments + condo fees + property tax will probably cost you more monthly than just rent. But if you can afford the difference, there’s no reason you shouldn’t buy instead.
Your money goes to paying your mortgage on the place instead of your fat sweaty landlord’s.
I’m always telling smart dumb cats, get into that buying mode instead of renting if you can do it. Understood that rent is a necessary way of life for most people but there is no real financial benefit to it at all so if you can get a chunk of real estate for yourself, you should do it.
Anyone remember Gene Hackman in the Superman movie?
"Miss Teschmacher, when I was six years old my father said to me - "
*"‘Get out.’" *
“Ha ha. Before that. He said, ‘Son, stocks may rise and fall, utilities and transportation systems may collapse. People are no damn good, but they will always need land and they’ll pay through the nose to get it! Remember,’ my father said…”
"… land."
“Right.”
If that advice is good enough for Lex Luthor, it’s good enough for me.
This sucks. I am completely unmotivated. I’m really tired, but I can’t sleep, can’t get motivated to do anything else. Even fun stuff. I have a million purchases to make for the house I’m about to move into, but I don’t feel like shopping. I also want to go look at the PC parts I’m going to order online, so I know how they are before I buy them, but I don’t feel like doing that either. GAH! How often do you have cash to spend, justifications to spend it on stuff you want, and just can’t muster up the will to go do it? I don’t even feel like playing SWTOR and I’m really close to 50 (level 44) and my guild is very close to raiding.
I’m on vacation this week, so maybe that has something to do with it.
C. Lint - you speak just like the WHITE DEVIL!! You need 1. a down payment. That used to be considerably less than it is now, and 2. property isn’t appreciating like it used to. Even if the “value” of the property increases, that no longer ensures that property is liquid. Houses can sit on the market for months without any attention, even from investment seekers. How are you going to turn a profit on something that an investment seeker is looking to buy at the absolute lowest price possible, and sell at the maximum profit? three years ago, I’d be nodding with you, but today, nope! Anybody else who’s buying your home is probably paying cash, which limits how much they are able to pay, or going through a bank who probably has tons of home they already can’t do anything with and therefore see your home as little more than a potential liability.
The value of a home is quickly becoming tied to personal value as opposed to investment value like it became in the 90’s. Your home is an item you own, like your car, or your shirt, or toothbrush, and frankly, I think it should be that way.
They are adding so much shit in TOR in patch 1.2. Probably in March, but we will finally get dual-speccing. As well as a new flashpoint and a new operation.
HOLLA
Just buy a house the bank fucked someone over on and kicked them out. They’re trying to get rid of them quick. I think I remember my mom saying the house across the street from her was bought for 40k. 40k!!! The house was on sale for a long ass time though.
Only thing you might have to worry about is the disgruntled former owner.
Dual-speccing looks like a nice feature to finally have. My stupid friends are hassling me to go to a DPS spec just for PvP when I’m a goddamn tank with nothing but tank gear. Gee guys, I’ll make a great DPS Assassin with all this +endurance and +defense gear! 
Also, PvP is about sooooo much more than DPS. that said, my friends (and my guild) are really awesome. I just feel sad they had to pay so much for respecs. One of them flat-out refused to go back to his (Mercenary) healing spec to heal for us cause it cost so much. :tup:
haha I hear ya man. I’ve sorc healed since hitting 50. Haven’t respecced since, cause I don’t want to respec over and over.
But I miss DPSing, I’m curious what my numbers would be with my new gear. Using the overpowered 0/13/28 spec.
Get them while you can, folks. <3
House talk.
Research the types of loans available to you. You may need a down payment and be forced to pay PMI (insurance on your mortgage) for 5 years. And, that sucks.
We were able to get an Urban Development Loan, because we bought in a small town of like 10,000 people. We didn’t have to come up with a down payment, and we don’t have to pay PMI. The way the loan works is, you finance 103.5% of the cost of the home.
We bought in June, and we already have a slight amount of equity.
Our property tax is $3,800 a year. With that escrowed, our mortgage is $1440 a month for a $200,000 house.
Perspective: my first rental was a 3br townhouse. The rent was $1250 a month. HOA fees make condos less viable than houses, because it’s a set amount, in the hundreds, added to your mortgage. Let’s say they are reasonable and run you $250 a month. $250 a month reflects the difference of THOUSANDS if you’re buying a house.
Today, houses are a good investment. The interest rates are obscenely low, and the market always comes back.
In short, if you can buy, now’s the time.
You can still use magnet links. :-/
This is probably my second favorite Soul Calibur right now. only problem is the lack of Zasalamel and the removal of Guard Clashes and Guard Impacts; oh and that whole giving Lizardman a name.
Edit: Story mode is pretty weaksauce though. They fucked up the moment they made Nightmare stick around for more than one game. They should’ve just passed the Soul Edge around from character to character and made Nightmare different every game.
Posted in the appropriate thread but this one gets more traffic thought you guys would get a laugh out of it especially page 7
=P
http://vine.rottentomatoes.com/vine/showthread.php?t=2276806
What’s your favorite?
Well, I have good credit but no money for a down payment. Houses around here are dirt cheap. A nice 2-5 bedroom house can run as low as 100k.