|
A HORNY SWEARENGEN posted:The disparity between the $200,000 the bank paid and the $385,000 you pay isn't just the interest rate. There's also the insurance on the house, the insurance on you, the bank's cut (maintenance fees or whatever you want to call them) etc. The point I'm making is that the capital gain on that property over 30 years means even the $385000 the bank charges you for it is going to be tiny compared to the value of the property when you sell it. The year on year change in prices in NZ has been in the region of 10% (with some plateaus and some boom years) for about 20 years now, so houses that were worth $200,000 back in 2001 are now worth like 2.5mil, while the mortgage payments over that time have probably only totalled about 200k. Then consider that if the house in question is an investment property it can be rented out for probably more than the cost of the mortgage anyway, so you'll be making like $40,000/year (a cool $1.2mil over the course of that 30 year mortgage, not even accounting for rental inflation) just in rent, let alone capital gain. Again, the modest amount of interest and fees and poo poo banks charge on property is the least of the problem. If anything, the ridiculously low interest rates at the moment are actually a real problem. E: worst loving snipe ever, I'm so sorry. Here: 
voiceless anal fricative has a new favorite as of 01:48 on Mar 12, 2021 |
#
?
Mar 12, 2021 01:45
|
|
|
|
| # ? May 28, 2024 18:40 |
|
|
A HORNY SWEARENGEN posted:That's easy. yeah, when I saw mortgage chat, I was going to mention that if you've never thought about it since you did interest calculations in math class in whatever grade, you forget that the bank is actually charging you roughly 1:1 house cost to interest and that I am pretty sure Jesus himself would have rolled out the guillotine for that sort of usury. One More Fat Nerd posted:Yeah, sadly its pretty easy to find ladies in America with the same level of knowledge of female anatomy as your average incel. you see, the vagina reacts differently to being pounded every night inside of holy matrimony to some chick getting lucky every couple months Mauser has a new favorite as of 02:00 on Mar 12, 2021 |
|
#
?
Mar 12, 2021 01:52
|
|
|
LOL!
|
|
#
?
Mar 12, 2021 02:01
|
|
|
The human body is really just a series of holes if you think about it
|
|
#
?
Mar 12, 2021 02:01
|
|
|
marshmallow creep posted:I like expensive pussy. By which I mean it looks like a Quintessential Grilled Cheese from Serendipity 3 in New York down there. This seemed oddly specific so I googled it and now I'm so mad at this impossibly stupid sandwich
|
|
#
?
Mar 12, 2021 02:02
|
|
|
|
|
#
?
Mar 12, 2021 02:16
|
|
|
Heath posted:The human body is really just a series of holes if you think about it The alimentary canal is basically the first thing to form in fetal development. Like almost the first recognisable structure is a long tube that will eventually be your rear end, mouth and the poo poo inbetween. So basically you've pretty much always just been a series of holes.
|
|
#
?
Mar 12, 2021 02:19
|
|
|
The human body, like the internet, is a series of tubes. You are the internet.
|
|
#
?
Mar 12, 2021 02:22
|
|
|
My real estate agent was a guy named Mort Gage.
|
|
#
?
Mar 12, 2021 02:26
|
|
|
Mauser posted:you see, the vagina reacts differently to being pounded every night inside of holy matrimony to some chick getting lucky every couple months That's because it's supposed to be tuned to the shape and size of a specific dick, like a biometric scanner. Trying to mold itself to too many different dicks is what makes the sandwich get all soggy. (Identical twins are fine though.) That's just basic 
|
|
#
?
Mar 12, 2021 02:26
|
|
|
CleverHans posted:The human body, like the internet, is a series of tubes. Your body is the internet. Think of bacteria as a children's TV show. Basilophils are adult fans. They latch onto it, discharge their corrosive effluence, and then seek out other things to corrupt and destroy.
|
|
#
?
Mar 12, 2021 02:30
|
|
|
CleverHans posted:The human body, like the internet, is a series of tubes. i shove a bunch of stuff other people made in me and produce nothing but poo poo and terrible opinions. yeah this checks out
|
|
#
?
Mar 12, 2021 02:35
|
|
|
LifeSunDeath posted:LOL! If you think that was funny don't worry, Ive got more great memes!  
|
|
#
?
Mar 12, 2021 02:36
|
|
|
bike tory posted:The alimentary canal is basically the first thing to form in fetal development. Like almost the first recognisable structure is a long tube that will eventually be your rear end, mouth and the poo poo inbetween. I didn't know that! Thank you, meme thread.
|
|
#
?
Mar 12, 2021 02:39
|
|
|
https://www.youtube.com/watch?v=IDvGtkErV60
|
|
#
?
Mar 12, 2021 02:49
|
|
|
Mauser posted:you see, the vagina reacts differently to being pounded every night inside of holy matrimony to some chick getting lucky every couple months It's not an honest concern, it's just (an attempt at) shaming.
|
|
#
?
Mar 12, 2021 02:49
|
|
cowboy
|
|
|
#
?
Mar 12, 2021 02:57
|
|
|
oldpainless posted:My real estate agent was a guy named Mort Gage. https://www.youtube.com/watch?v=c-AQ1EVe6Uw
|
|
#
?
Mar 12, 2021 03:27
|
|
|
Bloody Hedgehog posted:Is this one of those asian vaginas I been hearing about? I'm sure it wasn't your intent but this poo poo is hella racist. Don't next time. 
|
|
#
?
Mar 12, 2021 03:42
|
|
|
Cocaine Bear posted:I'm sure it wasn't your intent but this poo poo is hella racist. Don't next time. Can I not be a Paladin, Cleric, Sorcerer and Wizard all at once?
|
|
#
?
Mar 12, 2021 03:46
|
|
|
Memento posted:Can I not be a Paladin, Cleric, Sorcerer and Wizard all at once? Yes. Or no. What I'm saying is: be the change, friend. E: Vvv-2 bedroom bungalow on my street just went for about a mil. Apparently I'm rich? News to me. Toronto real estate is a loving joke. Cocaine Bear has a new favorite as of 04:07 on Mar 12, 2021 |
|
#
?
Mar 12, 2021 03:49
|
|
|
bike tory posted:https://twitter.com/GeorgeKCampbell/status/1369894955703930880?s=19 My partner and I bought in South eastern Sydney and paid just shy of $1m for the place, the market has gone berserk and now our place is valued at 1-1.1 million according to some The NZ property market is beyond hosed
|
|
#
?
Mar 12, 2021 04:00
|
|
|
Barbarian Fighter Druid Sorcerer is a hell of a multiclass.
|
|
#
?
Mar 12, 2021 04:01
|
|
|
|
|
#
?
Mar 12, 2021 04:07
|
|
|
Heath posted:The human body is really just a series of holes if you think about it Two people kissing form a tunnel with an rear end in a top hat at each end.
|
|
#
?
Mar 12, 2021 04:23
|
|
|
i appreciate that whoever made this meme knows that only female mosquitoes drink blood, and male ones subsist on nectar, so in order for the sugar to attract the mosquito it would have to be male. meme checks out. of course since male mosquitoes don't drink blood they aren't the ones you're worried about anyway. meme still hosed up.
|
|
#
?
Mar 12, 2021 04:36
|
|
|
Cocaine Bear posted:I'm sure it wasn't your intent but this poo poo is hella racist. Don't next time. I love this because a barbarian rogue is basically Conan, and I'd rather be Conan than the garbage person described by rogue + barbarian My thews aren't nearly mighty enough to be Conan, but I can dream
|
|
#
?
Mar 12, 2021 04:47
|
|
|
The time value of money makes mortgages a better deal than they seem but yes they are ludicrous and everyone should just like have a place to live why is this so hard lol What is going on with this guys arms ?
|
|
#
?
Mar 12, 2021 04:51
|
|
|
|
|
#
?
Mar 12, 2021 05:30
|
|
|
https://twitter.com/evac0re/status/1370065465297539073?s=19
|
|
#
?
Mar 12, 2021 05:59
|
|
|
https://www.youtube.com/watch?v=vyDmFxO6cEU&t=95s
|
|
#
?
Mar 12, 2021 06:42
|
|
|
I feel that Druid & Ranger should be flipped.
|
|
#
?
Mar 12, 2021 06:46
|
|
|
IIRC Grimes is Canadian
|
|
#
?
Mar 12, 2021 07:31
|
|
|
bike tory posted:The alimentary canal is basically the first thing to form in fetal development. Like almost the first recognisable structure is a long tube that will eventually be your rear end, mouth and the poo poo inbetween. On top of this, a primary organism classification is whether our mouths or assholes come first.
|
|
#
?
Mar 12, 2021 08:26
|
|
Glory to Italia!
|
Thanks for the mortgage chat, y'all. I've never planned to buy a house so I knew absolutely nothing about it. I don't know all the details of penises either, despite having one and, er...thoroughly exploring every part of it few times a week.
|
|
#
?
Mar 12, 2021 09:11
|
|
|
Thump! posted:Two people kissing form a tunnel with an rear end in a top hat at each end. 
|
|
#
?
Mar 12, 2021 09:18
|
|
|
ILL Machina posted:On top of this, a primary organism classification is whether our mouths or assholes come first. Coming through your mouth is a hell of a party trick.
|
|
#
?
Mar 12, 2021 09:23
|
|
|
ILL Machina posted:On top of this, a primary organism classification is whether our mouths or assholes come first. And you KNOW which ones human beings are
|
|
#
?
Mar 12, 2021 09:29
|
|
|
|
|
#
?
Mar 12, 2021 09:30
|
|
|
|
| # ? May 28, 2024 18:40 |
|
|
rear end first or mouth first is the only kind of cladistics that matters imo.
|
|
#
?
Mar 12, 2021 10:04
|
|