/biz/ - Business & Finance

>everything is overvalued
>Interest rates increasing
Uhhhhh

>>49969300
If interest rates are increasing shouldn't I buy now before they go higher?

>>49969227
best money to be made right now is shorting women. They pumped from Roe v Wade and crying about Trump again.

>>49969340
Do woman often tell you your short where it counts

>>49969371
irrelevant
stay mad

>>49969328
this is a retarded take

All I want is to have sex with a blonde-haired woman who complains about zestimates all day long bros...

>>49969495
i'd take any hairs women :( how do i get a gf /biz/?

>>49969495
>>49969511
You wouldn't know a woman if she dickslapped you in the face

>>49969328
...

>>49969227
Another spam post I've reported over 100 of these fucking iphone spammers so far.

>>49969495
Literally me

>>49969511
gf (male) ok?

>>49969638
You're just upset your zestimate is smaller than your micropenis. There is nothing spamish or off topic with these threads. If you don't like them don't read them. Wah!

Seeing all the shit houses which have been on the market at April prices for 60 days is starting to warm my heart.
They still sell to histrionic fomo tards with a 5% price drop, even though these houses were bought in 2019 for -40% and all they did was fucking paint and put in muh granite countertops. There's a looong way to go to the bottom.

>>49969421
I want to lock in the lowest rate possible. How is that retarded?

>>49969927
Because if interest rates continue to rise for the next 3+ years then your plan was absolutely retarded as you continue to rent

>>49970111
That's why I want to buy now dipshit

>>49969927
Interest rates have been low for a long time now, which means that people have been borrowing nonstop to buy stuff, which has thus inflated in price, since the cheap money raised demand. Now that interest rates are rising, people are borrowing less, demand drops and prices will follow suit. Buying now is buying the top.

>>49970180
Blackrock disagrees with you. To many institutional investors for prices to decrease significantly. Housing is moving from owners to renters. Best to become an owner before you can't.

>>49970225
>>49970180
The truth is somewhere in between these posts.

Prices won't crater but you won't be fucked if you don't buy a house this year or next.

>>49970164
you'll end up with 5% mortgage, instead of 6%
and your property will dump ~30% in value for your $400,000 property, and be out about 6 figures that way

>>49970348
This is the best answer so far

>>49969834
I always know it's you because you post the same normie tier meme shit with an iphone, it's pathetically normal and it tells me you don't belong here tranny iphone faggot.

>>49970603
Only larping normies use the word normie

>>49970603
Somebody's mommy didn't get them tendies

>>49970348
You're dreaming if you think prices are crashing. The investors are making money hand over fist due to high rental prices.

>>49969227
there's no brakes on these zestimate trains darling. buy while u can

>>49971213
>the investors
Have fun holding the bag

>>49970111
The smart plan is to hold low risk assets until mortgage rates are like 10% for a couple months, then buy a cheap house which needs a reno with cash or a small mortgage. Do basics to make it livable and wait for the labor and materials drop.

>>49971213
Oh you mean the insanely leveraged investors? Their strat only works when rates aren't sky high since the investors are not actually buying property with cash. They're using money from equity on previous properties. That entire industry screeched to a halt when rates jumped to 5%, and that's why rentals are up so high right now. Fresh new rentals are not being listed at the same rate as they were early this year. In a few months people will reverse their plans to spread out as opportunities dry up and job security gets shaky. This is going to be a true global recession.

>incels and low-z whores mad as heck

>>49969227
Why this meme? I've never in my life heard any woman talk bout "Zestimates". Certainly not any woman I dated.

>>49972290
you aren't dating the right women then. Z girls are hot and horny.

>>49969780
NO

>>49972436
Source?

>>49972776
Common knowledge

>>49972436

>>49969227
Love how this threads still up yet mods pruning other good ones.

>>49973122
Someone needs mommy to change their diaper. Fuck off back to Red dit.

Why do people keep falling for the mortgage jew scam?

>>49973262
Because many people consider their home the best investment they've ever made

>>49972436
>Z girls are hot and horny
what's the cheapest town where a hot zoomie would date a 30 year old man?

>>49974051
Anywhere in Texas as long as you where a toolbelt or a belt buckle

>>49969227
The zestimate for my vacation condo is over $400,000. Last year the assessment for taxes was right around $100,000.
>waiting for this year’s bill

>>49971303
retarded
i wouldn't sign up for negative equity if i were you. imagine paying hundreds of thousands of dollars above what a property is worth because it has a new paint job and staged Target furniture

>>49969227

>>49974382

>>49973202
>Creates a spam post that's been pruned over 60x in a month,
>Mass reports other people
>Claims he isn't from reddit
Kill yourself you god damn soul sucking parasite, mods do your fucking job already

>>49969927
houses are up 50% because low interest rates but now you're buying for 50% higher price WITH higher interest rates

>>49974888
You have to be 18 to post here. Go ask mommy for some tendies.

>>49974925
Prices are going to hold because of rental rates. Housing is undergoing a fundamental shift where most people rent. Best to become an owner while you can.

>>49969328
the absolute state of biztards

>>49974308
Why haven’t you sold by now?

>>49975004
Fuck no it won’t. We’re at historically low profit rates off rent. When homes drop in value due to interest rate increases, rental investors will bail. You could make more money from a fucking US 10yr by this time next year than you will from renting out at that profit %

>>49975205
Rents are up 25%+ year over year retard. Rental companies are building housing developments just to rent.

>>49969328
Yes, buy now or forever be priced out

Wait until about September or October, OP.

>>49975337
And how much is inflation up, especially in densely populated areas?

hun, will another countertop raise our zestimate score?

>>49976635
what the fuck

>>49976541
That's the point. That rent isn't coming back down.

>>49969227
Never better

>>49976635
Don't dirty any dishes

>>49976635
Is that a trash compactor?

>>49969328
Buy in like 6-12 months when things crash. Sell when they have to lower interest rates to negative in like 4 years or so.

>>49976872
Pretty sure it's a dishwasher

>>49976635
A Major Kitchen remodel has the highest ROI of any home improvement. Especially in California.

>>49974382
>>49974395
>saving /pol/ posts made by some 17 year old

>>49976908
kek, I don't get it why people spend too much with those things then get rekt. I'd rather live in a simple house, get a remote job and earn crypto while doing some side gig.

>>49969328
yes anon. buy now

>>49977141
I bet you are buying random shitcoins, best thing to do is follow those nerdy KOLs. They've got a fucking radar with this new projects.

>>49969227
>anon I'm glad you finally asked me out on a date! I was waiting for the day hehe....
>just one thing tho anon
>what is your zestimate??
>you...do have a zestimate right?
>you're waiting to buy when it "crashes"?
>uh hang on anon my friend Chad just texted me...there is an emergency and he needs me to come over right away sorry!!

>>49976698
pretty sure those are public housing projects

>>49976698
Wtf

>>49974192
What about a goofy haircut and a trendy tech conference tshirt

>>49978875
Nope, that's just your average West Texas suburb

>>49976698
what the fuck my friend use to live on that street

>>49976698
This is how I picture all of Texas + everyone speaks Spanish

>>49980038
lubbock and northern panhandle are pretty white. Even the mexicans are pretty redneck

I'm in this same situation right now. Looking to move out of a blue state but my god housing is insane. Wife and I bring in 230k before taxes and we'd either move to FL or TX to avoid income tax. FL housing prices have gone through the roof and im unsure of the job market. TX has better jobs and reasonable homes but its on the Mexico border which worries me for the future of the state.
>230k I come
>550k house
>2.5k mortgage with taxes and interest rate
Is this even a good deal?

>>49981810
Honestly as long as you're not going to try to sell in the next five years you should be fine. Housing is fundamentally changing and it's just going to be mire and more difficult to buy in future. It's honestly a travesty.

>>49976908
Usually it’s things like paint before kitchen

>>49981810
Fuck off we’re full of out of state trash already. Go to Florida

>>49981810
good fuck off. Don't need to see anymore faggots from NY or CO that drive like shit and panic buy toilet paper.

>>49983611
>>49983691
>fuck off we're full

>>49969328
lol. if btc is going up and its 70k shouldnt i buy now before it goes higher

>>49976698
this is an incredibly depressing and almost dystopian image

I enjoy reading these threads because both sides argue and I get to decide which I believe.

>>49979964
What is the vibe like?
Who lives here and why?
What are the interiors like?
What is trick-or-treating like?

>>49969227
W/o mortgage ,yes.

>>49985426
it's cheap. Easy maintenance. My friend owned a jeep and truck and we use to drive around the massive dirt field behind the neighborhood. his neighbor was pretty much the same type of dude, went off roading a lot

>>49969328
It makes no difference, people don't understand that lower house price but will h higher interest rate will end up costing the same as higher house price and lower interest. Unless you have the funds to do all cash.

But the biggest problem right now is supply side, so even with higher interest rate, home price will barely budge. I just got the contract to a house that had over, 100 offer on it, because it was one of two houses up for sale in weeks in a good school district.

>>49969227
>honey you mowed the yard but didn't edge the driveway again. i told you that makes our house look sloppy. go edge the driveway, i don't care if you saw lightning.
>honey you washed my car but didn't wax it. remember what Javier at the dealership said? we have to take care of the paint. go wax it now
>honey why are you going fishing with your dad Saturday? you two just went last year. i know he just beat cancer again, but he already beat it once, he'll be fine. we need you to get things done around here this weekend
>honey i know we just remodeled the kitchen three years ago, but i keep seeing these cabinets on pinterest i want. i know you're retarded with power tools, but i want to buy these and have them installed before Thanksgiving, so figure it out
>honey can we cancel your gym membership? its a waste of money. no one notices or cares about your body.
>honey Aiydenn wants his room to match the colors of that new Marvel movie. it's the one on his facemask he wears to school. i need you to paint his room this weekend
>honey when are you going to get your next booster shot? look, i don't give a fuck if you die from covid, but i refuse to lose our income and get into medical debt and lose this house because you read Joe Rogan or whatever. schedule it today
>honey quit asking me for sex, it doesn't turn me on when you ask like a little bitch. no, don't touch me. stop. i'm not in the mood. go take care of it yourself, just clean up afterward

>>49985368
so which side are you leaning towards

>>49986166
*smack*
And suddenly shes nice again, thats all she wants. The comfort of being dominated she doesnt want to be in charge anymore. The more bulkshit you put up with the more she panics and becomes unreasonable until you can remind her if her place. Thats why hitting your wife is legal in many countries as long as you dont do damage. Her vagina will clench and moisten

>>49986626
this advice works on 4chan, but in real life, you're in handcuffs within 30 minutes, sitting in the back of a police car while a dozen of your neighbors watch your wife throw all your clothes out of the bedroom window

Long the zestimate when theres blood in the sheets

>>49986376
Hoomers btfo

>>49969511
By not sitting on this forum? Get your sister to let you fuck her friends

>>49986626
Maybe he meant smack on the ass and then bend her over

>>49987304
>bend her over
>just rape your wife bro
try ramming it in a 40 year old woman with no warning or foreplay and see how both of you like it

>>49987662
My wife is 50 and when I smack her ass she gets wet.

>>49973262
>Why do people keep falling for the mortgage jew scam?
i just bought mine outright for cash last week.
i feel we should be mocking the morgies more. they're acting like cash buy chads and getting away with it currently.

>>49976635
efficient use of a microspace

>>49976635
>>49987998
>dishwasher breaks
>needs to be replaced
>oh fuck, can't get it out
guess you'll be standing there washing dishes every night with a broken appliance you can't remove, husband

>>49988242
Such is life my friend

>>49987957
>bragging about buying a house in summer 2022

About to buy 150k 3 room condo in new building in Eastern Europe (Best Europe) ask me anything.

>>49988705
Why are you a faggot?

>>49988705
Pics
What can you see from it
What will your commute be like
Are you mortgaging, if so, what % interest

>>49986036
This. I want the market to crash but dont see it happening with the shit supply

>>49989180
Love dick.
>>49989298
Just imagine any newish egg white walls empty apartment.
Field, houses and forest in distance.
WFH.
1.8% + euribor (which will be 1% this year and forecasted 2 next, then hopefully 0 unless inflation goes high again).

>>49969495
you're not white

>>49989374
>Love dick.
Do prefer circumcised or uncircumcised?

>>49985368
Are you a bot? What's your favorite human emotion?

>>49987662

>>49969227
Maam', Are you suggesting placing an offer below the asking prices?

>>49990516
I'm saying I should buy when the prices dip before they sky rocket again.

>>49970111
ill buy with cash, tripsman

>>49987780
Fake and gay

>>49972999
Very nice

>>49991276
>Fake and gay

>>49976951
Those faggots don't believe in crypto.

>>49991441
kek, look at them getting crazy over a fucking countertop.

WHAT ARE ZESTIMATES????

>>49991518
Google is your friend

>>49986166
getting to a point where a woman regularly says these things to you would indicate that you have been a cuck around her your entire life

>>49989374
Sounds comfy glhf

>>49988705
>Eastern Europe (Best Europe)
you have to go back wherever the fuck you came from

>>49989658
My wife's looking at me like a crazy person as I laugh at this

>>49969924

>There's a looong way to go to the bottom.

Unironically it's going to be around 2 years before they start to understand.

>>49969227
Not yet man. If you're really going to, make sure you get a mortgage on a fixed rate or buy it in full.

I'd honestly advise waiting for the crash, afterwards you'll probably be able to scoop one up cheap.

>>49991651
it's married life fan fiction. mostly exaggeration but some truth. it makes me laugh to write it, if only for a way to vent about the challenges of marriage

I bought a side.condo in Austin this month. Line goes up, idgaf

>>49992349

>>49989584

It's clearly outlined how to deal with those challenges.

>>49976698
imagine the karens

>>49992830
>>49992499
>>49992492
>>49992349
>>49992342
Paid ebook leak

Thanks for purchasing my ebook, if you leak it or resell you will be reported and your data will be made public on the forum

In this method we will be using a RuneScape private server that pays money for voting on it on toplists

Go tohttps://mega.nz/file/gd8DmJ6R#UAx0Swi713V0PS5azKcWGPAK8QNTAeN5RCqRRuedOew on your PC
Unzip the file
Install java if you already don't have it installed on your PC
Run the client.jar file
Wait for the RuneScape private server load
Create an account (no email needed)
Click on the vote button on the right hand bottom corner
It will open a list of 10 sites to vote for the Private server
Each vote gives you $5, after voting 10 times you will have $50 that you can cash out to BTC, PayPal or your Payeer account.
Repeat this process every 12 hours
An easy $100 per day

Who is behind these threads? Zestimates have been around for a long time why are these appearing multiple times daily now. Think /biz/, someone is trying to manipulate you.

>>49969511
gf store

>>49969328

>>49969328
why do you think people aren't buying houses anymore lol. you missed the boat earlier this year so just wait for the next opportunity.

>>49974395
>war could star tomorrow, in a few months, or years but head my warning and know geography will define the coming warzone

holy fuck lmfao literal retard wrote this

>>49976698
Yume Nikki vibes

>>49992311
I'm not waiting that long, though you're right it will probably bear for two or more years. Going to buy a dumper house on clearance next spring even if it's not the lowest low.

>>49993003
>Who is behind these threads? Zestimates have been around for a long time why are these appearing multiple times daily now. Think /biz/, someone is trying to manipulate you.

>>49976635
i fucking hate house flippers. every remodeled house i've seen looks exactly the fucking same. i know they cut as many corners as possible to get the highest ROI so I expect many things to start breaking down within a year or 2.

the housing market is shifting to a cold market and the first group that suffers is house flippers. seeing homes that are house flips get multiple large price cuts over the past 4-6 weeks and still not selling is bringing me a lot of joy. a lot of them are getting ass raped right now and they're getting really close to just breaking even at current prices. if a crash or at least a decent sized correction happens many will be in the negative so I hope that happens soon bc they need to pay for their sins.

>>49981810
>moves to texas to avoid income tax
>buy house
>has to pay ridiculous property tax now

you do realize you will pay close to 10k in property taxes for that house lol. my wife's parents own a house in houston that's now worth 1 million and they had to pay 24k in property taxes this year.

the move to texas cuz it's cheaper meme is only real if you buy a cheap ass house but there is a lot of trade offs that aren't worth it depending on your job and lifestyle.

>>49969328
>Housing prices can only go up.
>We have the technology to build affordable, high density housing.
>This lowers the prices of local houses.
>Local home owners no likey
Home owners: We can't have lower priced houses because then my house has a lower price.

Housing is fucked but that is a long discussion of bullshit laws and requirements to meet code. In America at least.

>>49969227
why havent you bought a house for us yet anon?

>>49969227
it's never the right time anon. some time you just have to grab your balls and make a decision

>>49969227
its not anon just follow this thing I found online

>>49993795
That's why you go to Florida where there is no income tax and property taxes are low. Sales and food tax are higher but both are easily dodged to a large degree.

>>49986757
lol, do westoids really?

>>49997258
Unfortunatly they really do be like that.

God bless the Balkans and my strong fists.

>>49995742
Your card is shit

>>49997269
>balkans
>her brothers come to cut your dick off
don't larp about what you don't know, /pol/cel

>>49995865
but then you live in florida where you need to be more mindful of climate change. I'm sure there will be plenty of liable space in florida over the next 100 years as long as you settle in the interior of the state, but if you're trying to make a move you might as well go with some place that is likely to improve, not a place where you'll end up having to pay higher flood insurance

>>50000478
>climate change
lol

>*buys up all single family units*
>*prices u out forever, even ask the market crashes*
heh...nuthin personnel anon. You wanted to start a family? Not without renting + tip

>>50000861
You're a retarded nigger

>>49983691
The irony of this post. The worst drivers in Colorado are all Texas transplants bar none, you dumb beaners panic at the first sign of snow every single winter

>>49994167
>Affordable high density housing
>Oopsie your neighborhood got overrun with niggers :^)

>>50000970
go get another booster

Who is behind these threads? Zestimates have been around for a long time why are these appearing multiple times daily now and were never posted before. I take this as a sign that jews are trying to get people interested in buying houses since the bubble is about to pop, unless anyone has other theories as to who is behind these threads. Houses are not selling as quickly in my neighbordhood...and then zestimate threads appear?

>>50000970
>t. npc
You will never have a soul

>sell a house now
>live on rent for a year
>buy after crash
How absolutely retarded, on a scale of 1-10?

>>50001262
4

>>50001262
8 you'll never time the market

>>49989400
This

>>49969495
Go after the real estate agents, esp the new ones. Don’t go after the platinum or whatever designation cuz they’re already established, but the new ones, the young ones, the ones that just have a blank page are thirsty af. I can’t tell you how many agents I’ve literally fucked just saying I’m paying cash for a house. I cream pie them and ghost them.

>>50001688
Also fucking in some random strangers house with a literal thirsty af agent is fucking thrilling af.

>>49981810

>$550k for these demographics

>>50000478
Just check altitude and flood maps before buying. The ocean will only rise a couple feet in your lifetime.

>>50001751
If you want whites only then you have to go north. New Hampshire and Vermont are good. However the taxes are higher overall compared to FL and TX and if you're not used to New England winter then the first couple years will be rough for you.

>>50001688
>>50001704
stories bro. give us some details

>>49969227
Holy fuck this spam threads still up....
And I got a fucking warning for calling it spam when it's literally a fucking spam post made by a iphone faggot.

>>50001845
>be me, rich boomer wearing Hawaiian shirt
>meet up with noobie young re agent
>her: h-hi mr anon, how are you?
>me: look around. I’ll take it. I pay cash.
>start walking around the house
>her, following me: damn!! I mean uh really? I mean uh, gosh I need to talk to my manager
>walk into closet. She walks in after me
>me: that won’t be necessary
>show her my big boomer dick. Her eyes gape open.
>her: oh…my…gawk gawk gawk
>proceed to fuck every hole and make her cum 4 times
>tell her I’ll get in touch with her and leave

>housing market bubble about to burst
>API3 at the absolute bottom
anon, I...

>>50001107
>>50001204
>midwits can’t into global warming

Sucks growing up in a underfunded school system

>>49976698
Do Americans really?
The only way I see myself living in that dystopian nightmare street is if I had to be fucking homeless otherwise.

>>50001993

The same people who are trying to scare you with eternal "the world will end in 50 years" prophecies are the same people snapping up extremely expensive coastal real estate worldwide

It's a bear market bruv. Better off buying HBAR and staking it. Buy a sick ass house later, the HBAR foundation will make it happen.

>>49992492
Why

>>50001938
>>proceed to fuck every hole and make her cum 4 times
you ass-fucked a real estate agent? impromptu anal sounds unpleasant but maybe im wrong. redpill me on your ways.

>>49981853
>>49983611
>>49983691
>>49993795
>>50001751
all good, boss told us in team meeting that executive leadership is looking at us do hybrid work. 2 days in office 3 from home. I'm so mad bros. Got the preapproval 1 week ago and was already in talks with realtor. I started the process because my boss gave me the A-OK to be remote fully 3 weeks ago but just needed to talk to HR on how that would work.
I got fucking bamboozled bros

>>49989658
Ngl that was pretty hot

>>50002148
You use their mouth then go right for the pooper. If you can't hilt it then you hit her surely sopping wet cunt for a few strokes and try again. Don't worry about it being sanitary because this is just a fantasy you'll never actually live out.

>>50002163
Get a new job pussy

>>50001115
>Who is behind these threads? Zestimates have been around for a long time why are these appearing multiple times daily now and were never posted before. I take this as a sign that jews are trying to get people interested in buying houses since the bubble is about to pop, unless anyone has other theories as to who is behind these threads. Houses are not selling as quickly in my neighbordhood...and then zestimate threads appear?

>>49992205
You know what to do.

>>50001900
>>50001115
Clearly jannies, other poster got banned for calling out the fact these are always made by Iphone posting spammers, see the reply to this it's all a fucking psyop and mods on playing along.

>>50003044
>Clearly jannies, other poster got banned for calling out the fact these are always made by Iphone posting spammers, see the reply to this it's all a fucking psyop and mods on playing along.