tOfficial Not really a Night Shift Thread v60, with less spicy sauce.

[williewilliejuan]

Frig. I got through your first 3 points before my brain quit on me.

I need to think about buying a house.

Other debts are credit cards and car note. I do have an IRS debt that they don't know about yet, but it's going to catch up with me pretty soon so I'm sending in payments before they force the payments.

Credit score could use some fluffing, but it's not bad.

I suppose I could plug all those numbers into a calculator of some sort.

Down payment would be savings and (I don't like this one bit, thus my inclination to wait or just keep renting) borrow from my 401k

Cash reserves would be nearly depleted for the down payment.

The ratios are pretty simple:

If your average gross income is $5,000 per month and your proposed monthly housing expense (principal, interest, property tax, homeowners insurance, homeowners association dues, and mortgage insurance, if applicable) is $1,500 per month, your front ratio would be 30% (1,500/5,000)

If your other debts are another $1,000 per month, your back ratio would be 50% (2,500/5,000)

 

[Dolemite censored]

Frig. I got through your first 3 points before my brain quit on me.

I need to think about buying a house.

Other debts are credit cards and car note. I do have an IRS debt that they don't know about yet, but it's going to catch up with me pretty soon so I'm sending in payments before they force the payments.

Credit score could use some fluffing, but it's not bad.

I suppose I could plug all those numbers into a calculator of some sort.

Down payment would be savings and (I don't like this one bit, thus my inclination to wait or just keep renting) borrow from my 401k

Cash reserves would be nearly depleted for the down payment.

See a Certified Financial Planner before taking on any more major debts.

 

[Mofo]

I typed a bunch of those letters into the googlie, and they are, in fact, the same telly. Just one letter off because they're made for the warehouse stores. There's one at Best Buy that's an "excellent" open box for $1709, but I don't think the drive to that store (70 miles away) is worth it. Plus, I ain't picking up shit! Delivery or death. When I bought this lil' fella a little over 5 years ago, I had a convertible and had to put the top down all the way home because the packaging was so unwieldy and awkward. Stupid geek squad nerds stabbed a hole in the screen with their stupid fat thumb when they delivered/set up the first one and I had to pick up if I wanted it the same day. But I did get a free upgrade to the next model because they were out of the one I had bought.

If you got the car that can do it, Costco pickup's fine. The box only needs to protect the screen, really. Just kinda envious when I'm walking through a few months later, and I see another model that's 12" bigger and better definition, selling for a couple hundred bucks less. I know enough now not to buy the Black Friday crap that's deliberately made with less features to be cheap, but for some reason it never occurs to me to purchase a pre-Super Bowl deal.

 

[moxie]

See a Certified Financial Planner before taking on any more major debts.

The reason I don't really like financial planners is that they just "suggest" or "recommend" plans, they don't say, "DO THIS." I wish they'd be more sure of themselves and just tell me what to do, not make me make a decision.

 

[Dolemite censored]

The reason I don't really like financial planners is that they just "suggest" or "recommend" plans, they don't say, "DO THIS." I wish they'd be more sure of themselves and just tell me what to do, not make me make a decision.

I can't argue with that logic.

 

[ukfanfrombirth (cali cat)]

View attachment 19261

 

[Dolemite censored]

oh yeah..courtside karen is just about the clicks...

HAHA

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Friggin gold digger. Did you see the older men she was with?

 

[Camfantasy]

If you got the car that can do it, Costco pickup's fine. The box only needs to protect the screen, really. Just kinda envious when I'm walking through a few months later, and I see another model that's 12" bigger and better definition, selling for a couple hundred bucks less. I know enough now not to buy the Black Friday crap that's deliberately made with less features to be cheap, but for some reason it never occurs to me to purchase a pre-Super Bowl deal.

Black friday deals are fine if you do your research and know what product you want ahead of time so you know if it is a good buy or not.

 

[beardown07]

Frig. I got through your first 3 points before my brain quit on me.

I need to think about buying a house.

Other debts are credit cards and car note. I do have an IRS debt that they don't know about yet, but it's going to catch up with me pretty soon so I'm sending in payments before they force the payments.

Credit score could use some fluffing, but it's not bad.

I suppose I could plug all those numbers into a calculator of some sort.

Down payment would be savings and (I don't like this one bit, thus my inclination to wait or just keep renting) borrow from my 401k

Cash reserves would be nearly depleted for the down payment.

I think we're gonna be putting ours up here soon. Hurry and get it before some other retarded Californian pays too much for it.

 

[Camfantasy]

I think we're gonna be putting ours up here soon. Hurry and get it before some other retarded Californian pays too much for it.

Don't nobody want that shit with those shitty cabinets

 

[ukfanfrombirth (cali cat)]

I think we're gonna be putting ours up here soon. Hurry and get it before some other retarded Californian pays too much for it.

The good news for home owners in the Bay Area is we could sell our homes here, move almost anywhere else in the country, get a much larger home, and still have a fuckton of money left over. That's even the case for a lot of condos out here.

 

[gobigred]

I think we're gonna be putting ours up here soon. Hurry and get it before some other retarded Californian pays too much for it.

@moxie ?

 

[moxie]

The ratios are pretty simple:

If your average gross income is $5,000 per month and your proposed monthly housing expense (principal, interest, property tax, homeowners insurance, homeowners association dues, and mortgage insurance, if applicable) is $1,500 per month, your front ratio would be 30% (1,500/5,000)

If your other debts are another $1,000 per month, your back ratio would be 50% (2,500/5,000)

Maths suck so bad. I think I'm currently at about 21% for the first one and the other one...? Total rough guesstimate, but it looks like maybe 30%? So a little wiggle room, I suppose.

Man. I think I'd rather just continue with the status quo and not give myself any more additional work.

 

[beardown07]

Don't nobody want that shit with those shitty cabinets

This place is on fire with retarded Californians right now. Not only do they want it, they're gonna pay twice what I owe.

 

[Peter Gozintite]

We got way more snow than usual, so it's sitting in these big piles. Plus, the snow plows push the piles even higher, and right up alongside where the drivers side door is for all the parked cars. So you're left with this little tunnel that you have to back into precisely or you'll get beached. And people don't know how to 1) drive on snow or b) parallel park in the first place

The sun isn't out so it's not going anywhere until Thursday at the earliest.

Better than TV

 

[moxie]

I think we're gonna be putting ours up here soon. Hurry and get it before some other retarded Californian pays too much for it.

I can only imagine what a black light would pull up in that abode

 

[gobigred]

This place is on fire with retarded Californians right now. Not only do they want it, they're gonna pay twice what I owe.

Make sure to light it on fire once the Californians are there.

 

[beardown07]

I can only imagine what a black light would pull up in that abode

Pfft. I am a very efficient masturbator.

 

[moxie]

Make sure to light it on fire once the Californians are there.

Probably save them the time it takes to raze that little homestead in order to build a new mansion.

 

[ukfanfrombirth (cali cat)]

I can only imagine what a black light would pull up in that abode

At the very least, traces of Li'l Asshole's ... can't remember the dog's name ... but I remember him calling her something along those lines many times ... pee and poop.