/biz/ - Business & Finance

I do, you think it will make you happy?

I want to kil myself but I'm too much of a coward to. Plus I like to make money. It's my hobby

>>54518391
I will inherit my parents home, assuming I dont die before them

>>54518415
kek. same situation, and its nowhere near a city thank God.

>>54518391
I have two, which means that I potentially own the one you were supposed to have.

lol

lmao

>>54518391
I don't really care if I own a home, that's how.

i guess i’ll just keep investing and buy one with cash when i’m like 50

then i won’t be paying the bank any interest which seems pretty based

>>54518431
>>54518415
Same. Could have a house if I wanted but my rent is so cheap it doesn’t even make sense. OP is a faggot.

closing in 2 weeks. sounds like a you problem. first time home buyer programs are dead simple to take advantage of anon

>>54518672
it's the other way around, they're taking advantage of you. enjoy your life of slavery

>>54518672
can you give us a quick rundown? How does any of that work?

>>54518449
rational. i bought cos it was way more expensive to rent.

>>54518718
it depends what state you live in. search no down payment or low-interest programs for first-time home buyers. give us more information. go on a site and search for a house. tell us the price, your income, debt, and how much you have for a down payment.

>>54518391
idk my parents are going to buy me one in like 5 years or so, never really thought about it

>>54518391
By buying Chainlink

>>54518672
Yeah uhhhhhh I'm just not going to pay $20,000 per year in interest thanks

>>54518431
>cities bad because muh chemicals and flouride in the water supply and other far right wing talking points etc.

i am a single white male who uses two rooms at max. it would be nice to own a home but it would be complete overkill and the majority of the house would remain untouched. i dont want to deal with HOA. i dont want to mow a lawn. i dont want to be locked to one location, and i certainly dont want a 10-40 year mortgage having over my head for a home that isnt used.

if i had enough money to pay for a housekeeper, a lawncare service, an au pair, cars and home, then i would be very upset that i wasnt a home owner. i dont

>>54519078
Do you plan on paying rent til you die

>>54518391
>cope
Not even coping, accepted it since they day i first coomed to japanese booba in magazines at the age of 9.

>>54518718
CT here. Assistance for me is a low interest loan (2nd mortgage) at 1% up to $20k to cover all down-payment and closing costs. House is $240k (appraised even higher). Worked out to be about $50ish extra per month rolled into my mortgage payment, which in my opinion beats squirrelling away money of several years to save for down-payment plus all closing costs.

depends on what you qualify for. I make ~95k and not married (engaged) so I pretty much just made the cutoff. had I been married, our combined income would have disqualified us.

there's also USDA loans that offer 0 down programs if you're in a qualifying area.

>>54519124
yep

>>54519124
the real play if you dont use a lot of real estate in a home is to rent someones master with bathroom in the room.

$600 with all utilities paid
im in the master

>>54518404
for my own personal hate that i love to channel into one singular thing that isn't really that important, i really have to fucking ask, dad. did mom have the final say in what car the two of you were going to buy at the lot?

>>54518391
>never "own" a home

By coping that no one who pays property taxes (aka rent) does

>>54518391
I'm depressed I can't afford to buy a home in London

>>54518391
How does the house owner cope with the fact that I slowly deteriorate the "value" of their asset every day?

There is a maximum you can charge on the way out the door and I have learned that they take it anyway so may as well leave them a piece of shit to deal with too.

And because they up the rent every 6 months I make sure to only stay a maximum of 1 year, you house owning assholes lower the price to get a new tennant in, I've seen you do it. So fuck you, you deserve nothing. I do not pay to be an employee, I pay to use your piece of shit box on dirt.

>>54518391

I sell my car and live in the fields of Snargam.

>>54518391
why do you attention seeking frogniggers assume everyone wants to own a boomer box in methville

everything for sale here. nothing selling. costmaxxing. neither option is comfy rn

>>54518391
I already own one :)
Disclaimer: I will have to invest some serious money to make it livable for female standards. I have a missing window (shut with a cloth), electric grid is visible, no shower (I use a tub and a kettle), no fridge, no sink, no bed, walls need painting, front door is just a piece of wood with axis.
But I sleep happy because I have 80 sqm house and I will NEVER have to pay rent or mortgage.

>>54518391
I own one already and I'm saving for 2nd one. How do you not own one? Are americans really that retarded that some poor 3rd worlder earning 1/5 of what they earn has a home?

>>54518391
I make a list of rich people in my area and stalk them so i can murder them.

>>54519124
No, but i'll die before i pay any rent, i'll take the owners with me.

>>54521489
How are those rates these days?

>>54518391
i work remotely and live in the suburbs of a city. a decent house is a non niggerish neighborhood is like $350-400k. i'll have about $85k saved up by next summer. worst case scenario is that i'll give up and move back to my flyover home town, and buy a $150k crap shack with a 57% down payment.

i pay $3000k a month for a studio in san jose
i just love the hustle and bustle and the taco trucks are to DIE for....literally

>>54521489
I own a home around the average price/size for the area with 80k left on the mortgage and have often fantasized about the mortgage free shitbox life. I think the idea is to actually do some work on it though anon.

Every wagie I know has worked out a narrative to tell you how much money they make for how little work they do, I am glad all of these obnoxious people are working for nothing material in the end.

People are reduced to working only to finance their existence, in other words they are slaves. If I didn't hate people I'd feel sorry for it.

>>54521981
i saw a troll post on biz, about a year ago, about how modern working life is indistinguishable from the more "civilized" forms of ancient roman slavery. ancient roman doctors, lawyers, teachers, etc. had some freedom, in that they could move between masters, and they had some privileges relative to the lower classes of slaves, but at the end of the day they were ultimately controlled by a ruling class.

>>54518391
The return to exponential mean is like 50% nominal dump. Morgan Stanley expects a "worse than 2008 event" and all of the commercial real estate indices are showing worse than they ever have, particularly CMBX-15 (office heavy). Blackstone (largest real estate investment trust) had to gate redemptions 4 months straight with $5 billion in requests last month and defaulted on their bond payments. 2/3 of eurodollar denominated Chinese real estate bonds are from issuers who are either already bankrupt and dissolved or have already defaulted on bonds. Near term forward is at an all time inversion and eurodollar futures are FUCKED. Even the German bund curve saw all time high inversion. MOVE index volatility is higher than it has been in 30 years other than GFC and we haven't even hit the beginning of what the bond market is predicting. Massive layoffs are coming on the backend of the bullwhip effect. The inventor of the Case-Schiller Index says to wait. Literally anyone who buys NOW, at current rates, is UNBELIEVABLY retarded or hopefully financially illiterate.

>>54518391
i go on year long holidays across the world and then return to live some months with my father at his mansion. its quite a nice life

>>54521910
$0 a month? It is mine, not the bank's. I do pay municipal tax but it is quite low, unlike Americans who pay a percentage of their home (((value))).
>>54521971
I am working on it, it was a warehouse before. Now it has AC, water, drilled windows through the walls, made a wall instead of the huge entrance it had (as I said, door and window are missing there). I give it a year or two before a femoid will be okay with it.

>>54518391
It's not just house, most of us will never marry or have children, we will wage until we grow old, and die alone, most of us in late teens and early 20s today won't even get pensions, and after our parents die off, will have no one to support ourselves.
It will be a pure atomic, wage slave life.

>>54518881
oof. Make sure to diversify

I'll inherit the family house.

>>54518391
i will eat bugs

i WILL own the hope and the kikes WILL be sad

>>54518391
I own a home. It's a small house, but in a good neighbourhood.

>>54519039
I lean left and grew up in a city. Yes, cities are bad and I am so happy my parents moved away so I could experience living more rural so that I knew not to make the mistake of sacrificing my entire life to get a place in the city. Cities are just that bad, but you gotta find a good mix because if you go too rural it gets very inconvenient. A small town with lots and lots of nature is much better.

>>54521981
This is called sprezzatura - it's cool to make things look easy. You'll see old folks do the opposite (they'll talk your ear off about how much they "bust their ass" and always have while spending most of an actual workday in idle chitchat) because that's the image that was cool in their day.

What's the best way to finance a second home? I don't want to lose the interest rent on my current house, but taking out some equity to help finance the next is appealing.

>>54518415
>late 80s boomer grandparents
>they have a 4000sqft, 5bed, 3.5bath house on 25 acres
>life insurance policies
>I’m the sole beneficiary with POA
God I love being me.

>>54518391
At least i will had meat.