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FAUXTON posted:Borrowing For Canines
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Nov 28, 2018 15:05
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| # ? May 30, 2024 00:30 |
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Nocheez posted:I think it's cathartic to talk about the BWM things we've done ourselves. It's just that no one wants to hear humblebrags or about how GWM they are itt. Agreed. Telling people all the poo poo you've done right doesn't actually help anyone. Otherwise we'd all have bespoked 401k plans started at age 21. No one is ever going to take your good advice. Telling people all the terrible financial mistakes we've made like we're sitting around a campfire telling ghost stories...that sticks with you. "and dangling from the door handle was a
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Nov 28, 2018 15:07
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we should deffo make it asymmetrical eat a probe for humblebragging, nothing for telling selfowns and bwm stories
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Nov 28, 2018 15:08
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bob dobbs is dead posted:eat a probe for humblebragging, nothing for telling selfowns, and bwm stories That would be a pretty weird BFC forum name.
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Nov 28, 2018 15:11
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Bitcoins furries and cammers
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Nov 28, 2018 15:23
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UCS Hellmaker posted:Bitcoins furries and cammers I though A/T already had a name.
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Nov 28, 2018 15:42
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I'm gonna be a stick in the mud and say change it back to the normal name. Naming it some jokey thing means no one knows what the forum is. I've seen multiple people from other forums have no idea this place existed because it had a weird name for a year. That and it's under Ask/Tell, a forum with half of the viewers this one has.
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Nov 28, 2018 15:49
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Also cammers make good money and furries inexplicably have tons of cash for fursuits and commissioning deeply disturbing artwork. They don't really apply here unless they're pulling out truck equity or using student loans to pay for that stuff.
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Nov 28, 2018 16:13
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Krispy Wafer posted:using student loans to pay for that stuff. Someone braver than me should should hunt up fur suits paid for with student loans on reddit.
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Nov 28, 2018 16:20
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Sometimes new ones just feel classic. Drowning in debt https://www.reddit.com/r/personalfinance/comments/a153ii/drowning_in_debt/ quote:Hey guys, I like that he thinks a $85k loan would solve this, except he already has 60k in Loans that didn't solve it. Edit: Oh wait, comments are pretty good too quote:I had the house and the loan before buying the truck, everything else is relatively new debt. And a new high paying job got to my head haha I'm paying for that now for sure. quote:OK, good luck to you. quote:It was used consolidate high interest debt and pay for renovations and appliances for the house. So he bought a house, had a bunch of debt so he bought appliances and did a renovation with a new loan, then he bought a $70k truck. Lockback fucked around with this message at 16:37 on Nov 28, 2018 |
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Nov 28, 2018 16:31
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Jesus. Imagine financing a snowmobile after having all that debt.
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Nov 28, 2018 16:36
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AndrewP posted:Imagine financing a snowblower I caught you before your edit, lol.
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Nov 28, 2018 16:38
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Oh my god 850 a month for a truck and it's at least a 72-month loan since it's got 5 years remaining so I assume it was originally 6+. That's gotta be some oil/gas worker type of dude
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Nov 28, 2018 16:40
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therobit posted:Someone braver than me should should hunt up fur suits paid for with student loans on reddit. purchasing a fursuit with a credit card? i know that probably sounds like an idiot question and forgive my ignorance (hey i went to american public schools) but wouldn't a $1000+ fursuit be a good candidate for building a good credit score? my mom is 43 and has never owned a credit card, so she has no credit score, which made is extremely difficult for us to find a place to live when my dad gave us the boot. naturally i don't want to end up in the same boat. i just turned 20, and i assume that's around the age that most people get bank accounts and credit cards? and i think i heard somewhere that you can't really build credit unless you buy expensive things. and i already own a car, so i can't use that to build credit. just a thought i guess. i really know absolutely nothing about this kinda stuff.
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Nov 28, 2018 16:43
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his mortgage is $1022, but there's no line item for property taxes and home insurance?
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Nov 28, 2018 16:43
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brugroffil posted:his mortgage is $1022, but there's no line item for property taxes and home insurance? Many people (myself included) pay one price for all of those things. PITI = Payment, Interest, Taxes, Insurance
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Nov 28, 2018 16:46
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brugroffil posted:his mortgage is $1022, but there's no line item for property taxes and home insurance? those are probably included with the mortgage and just sliced off into the escrow account
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Nov 28, 2018 16:48
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Nocheez posted:I caught you before your edit, lol. Haha. I was truly dumbstruck at first.
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Nov 28, 2018 16:51
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brugroffil posted:his mortgage is $1022, but there's no line item for property taxes and home insurance? He has a line for $190 Home Ins, I'd assume tax is rolled in there. I guess he works/lives way up in Northern Canada so that explains/slight excuses some of the costs like a ridiculous cell phone bill. He is arguing that he just can't get rid of the truck though.
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Nov 28, 2018 16:55
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Lockback posted:He has a line for $190 Home Ins, I'd assume tax is rolled in there.
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Nov 28, 2018 16:56
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I can't quit you, Ford. I still love how Canada outdoes the US in almost every BWM category. He may not have a medical bills line item, but he managed to find a large truck and a snowmachine.
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Nov 28, 2018 17:07
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FAUXTON posted:Oh my god 850 a month for a truck and it's at least a 72-month loan since it's got 5 years remaining so I assume it was originally 6+. Maybe not! Drive a truck for the job you want, not the job you have!
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Nov 28, 2018 17:14
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FAUXTON posted:Oh my god 850 a month for a truck and it's at least a 72-month loan since it's got 5 years remaining so I assume it was originally 6+. But think of how much Truck Equity he's building!
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Nov 28, 2018 17:17
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Nov 28, 2018 17:27
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Krispy Wafer posted:I can't quit you, Ford. It going to get better, the same guy also posts in growing sub-reddits (I was hoping to find a picture of his truck)
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Nov 28, 2018 17:27
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What if that $850 is after he maxed out a home equity line to make a down payment and just got shellacked on the rate because he just fuckin' loves debt? Or mayne trading home equity for truck equity because (and I'm going out on a limb here given the size of the mortgage payment) you can't drive your home out of the path of a wildfire (assuming he lives in the oil-producing Alberta prairie) is somehow a GWM move? E: a chewy GWM center inside a BWM jawbreaker by carrying shitloads of debt on stuff that isn't covered by insurance, and maybe also underinsured to save $25 a month. FAUXTON fucked around with this message at 17:34 on Nov 28, 2018 |
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Nov 28, 2018 17:29
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FAUXTON posted:What if that $850 is after he maxed out a home equity line to make a down payment and just got shellacked on the rate because he just fuckin' loves debt? God, I love this thread.
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Nov 28, 2018 17:36
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Murderball posted:I've notice an uptick in self-post reports lately. I know some people can't stand them, and others think that we shouldn't shut down discussion automatically just because they start with an I, my, or we, but just keep the general forums rule in mind: What about derailing about the national debt and military spending? I kinda wanna keep that one going. America should stop being World Police and be the biggest baddest Blackwater they can be. Stop paying for forward deployment, make your hosts pay. Replace everyone at OF-10 with Fortune 500 CEOs. America is a business, war is a business.
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Nov 28, 2018 19:18
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TVsVeryOwn posted:What about derailing about the national debt and military spending? I kinda wanna keep that one going. There's a whole subfoum made just to explore those topics.
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Nov 28, 2018 19:57
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Splicer posted:I tried and found this on livejournal instead LOL close enough. This poor kid hasn't got a chance.
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Nov 28, 2018 20:36
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“The age most people get bank accounts” hahah he’s in trouble.
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Nov 28, 2018 20:48
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wilderthanmild posted:Also I'm kinda surprised they managed to get all the way through the process without anyone telling them how bad of an idea this was. That has to have been right on the edge of the max they could legally borrow. If this were Vancouver, someone would be telling them they could afford much more house than that! HookShot posted:This guy is really nailing that whole "math" thing: (A family on $72K/year gross can totes afford a $600K one-bedroom condo. Yep.)
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Nov 28, 2018 22:41
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Is 3% mortgage reasonable in CA?
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Nov 28, 2018 22:47
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Lead out in cuffs posted:If this were Vancouver, someone would be telling them they could afford much more house than that! quote:One could afford to pay the interest on a $847000 place. I mean, technically he's not wrong.
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Nov 28, 2018 22:53
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kimbo305 posted:Is 3% mortgage reasonable in CA? Edit: I thought CA was California. therobit fucked around with this message at 00:43 on Nov 29, 2018 |
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Nov 28, 2018 22:58
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Wait, that's an interest only loan? At some point they have to start paying principal though? Or is Canada different? Does anyone remember the Rooms 2 Go promotions where you'd get 5 years no interest/no payments? You just walk out with that whole suite of furniture and half a decade later you start making payments on the principal and 5 loving years of accumulated interest. They finally made those illegal. They can still give you 5 years no interest, but you have to at least make the payments. I still see deals where you can buy a car now and make no payments for six months.
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Nov 28, 2018 23:16
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Krispy Wafer posted:I still see deals where you can buy a car now and make no payments for six months. https://en.wikipedia.org/wiki/Mitsubishi_Motors#0%E2%80%930%E2%80%930 Mitsubishi ate enormous losses when they gave away cars with 0 down payment and no payments during the first year.
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Nov 28, 2018 23:18
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Inept posted:I'm gonna be a stick in the mud and say change it back to the normal name. Naming it some jokey thing means no one knows what the forum is. I've seen multiple people from other forums have no idea this place existed because it had a weird name for a year. That and it's under Ask/Tell, a forum with half of the viewers this one has. I was thinking the same thing. It made BFC a bit hard to find unless someone pointed it out. bob dobbs is dead posted:we should deffo make it asymmetrical I like this idea. TVsVeryOwn posted:What about derailing about the national debt and military spending? I kinda wanna keep that one going. There will be an inevitable crossroads between government/politics and bad financial decisions, but stick to the funny BWM content and leave the left/right bickering to D&D
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Nov 28, 2018 23:30
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hang out in cspam instead d&d sucks
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Nov 28, 2018 23:40
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100 HOGS AGREE posted:hang out in cspam instead d&d sucks Poor
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Nov 28, 2018 23:59
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