Crunk Times, My friend.....Crunk Times

[GenderBender]

You already have it. I saw'd pixors.

Look at it like a lay-away plan at Walmart. You pay for it until it is yours, but if you stop paying for it, you lose everything you have invested and don't get refunded.

It is like renting with all the perks of renting and none of the liability of owning until you commit.

But I want a better piece of paper that says I spent even more money getting it.

 

[GenderBender]

I would recommend that.
I don't understand why you bothered to get the one you have now, in the first place.

Because you have to start. All of those credits I earned transfer. I only need about 24 more to get my bachelors.

 

[IamDeMan 5,000+ posts]

I really should have bought a ps3 instead of xbox....
I may get a PS3...undecided. I am finally free of CC debt and got some extra cash to burn.

F this video game BS. Buy a home, that is entertainment.

I decided to slow all that shit down.

waaaa?

Not really.
I was just succumbing to all this pressure by all these people around me. I am not really ready to settle down, buy a home, marriage, kids, etc...etc. I want to slow down and for a bit.

Buying a home isn't settling down. It's just smart. You should know that muc. What ar e you going to do, wait until the market swings back up and prices rise? Buy now if you can.

 

[GenderBender]

My thing is, I really am not anymore skilled now then before I started school. I feel if I could just get hired somewhere with two weeks of training I could do what someone with a degree can do.

 

[IamDeMan 5,000+ posts]

Pretty much...I didn't really think about things. I don't think about things I don't like to think about.
For instance, the week I spent in juvenile, I did a lot of thinking....thinking about things I didn't think about because I was living the fast life.

Why were you in Juvi?

I plan to buy in the fall. I want to save up a down payment first. I am wagering that price appreication will be less harmful than PMI.

Phew, ok. Fall should still be good and yes get as much down to avoid PMI.

 

[GenderBender]

Yea, but you could have skipped that piece of paper.

Why? All of the classes needed to finish my bachelors were needed for that degree. Starting at a community college saved me a lot of money.

 

[WhoSayWho? 5,000+ posts]

No seriously. There are no spots unless someone dies. I can transfer to another place, or find another job. In ~5 years, we will have some people retire and open up a spot or 2.


I think I am not familiar enough with them to understand. Are you saying the rent can build towards equity, but if you decide to bail, the equity is gone? That I could live with.

Flip, it is all a matter of negotiation. If you find a desperate seller you may be able to convince them to do a lease with an option to purchase that is structured to where all are some percent of your rental payments go toward an agreed upon purchase price.

Not a bad way to go if you were planning on renting anyway. However, it is not without some risk. For example, while it is in the seller's name it is still subject to liens being placed on it due the seller's debts -- or even foreclosure should he default on his mortgage. You can mitigate those risks by carefully wording the lease to say that the seller will convey merchantible title etc.

 

[GenderBender]

Negotiate. Pull numbers out of the sky like you are good at.


Problem is, the one with the degree will get hired before you.

He was a wild and crazy child.

I know. That is why I'm getting this degree so they will hire me first.

 

[IamDeMan 5,000+ posts]

Negotiate. Pull numbers out of the sky like you are good at.


Problem is, the one with the degree will get hired before you.

He was a wild and crazy child.

OH. I was a wild and crazy young adult.

 

[IamDeMan 5,000+ posts]

I was with a group of people that found a drunk guy in his car...walked him into his apt...and proceeded to clean out the apt. I was with a friend oogling girls at the pool. I didn't know what went down until I got back in the car....and then we got pulled over for something...everyone got out and ran. I ended up being charged with 4 felonies and 2 misdeamors or something like that. Most everything got dropped. I was on house arrest for a while, paid some fines/fees and got my record expunged.
It capped off a summer of fast women, fast drugs, just too fast for me. I think that shit is why I drive 65 mph now.

Better to have them under 18 years of age than after. Sounds fun.