Bam

haha, someone got pwnd!!!

Does that amaze you or something? That's not that crazy, I've done it about 3 or 4 times and I don't work in a shop.

haha, that was thebest part, when I heard that I almost thought it was a setup, but then his leg.....owwwwwwwwwwwwwwwwwwww

I'd buy a house that a had a garage teh same size, a nice suv/sports car/motorcycle/boat, and invest the other half million.

lollerpalooza! haha, good shit

repost

pm me your number please!!

What are the payments? I need a new car....lol

Thorne, let me co-drive the katana, and take the wrx down once and I'll haul the bike up.

I speak with my LO about once I week, and he's confirmed that I won't have PMI at 15% but the rate will bump up a .25%, so just paying it a different way I guess. Doesn't make any difference to me as I'm putting AT LEAST 20% down. Nothing's progressed as I haven't found the right house/place yet. I've made a few offers, but I'm not in a huge rush. Thanks for asking though!

Oh, I didn't realize that you still got a normal mortgage term, just the beginning was IO. I wondered how you could say no ballon payment or prepayment penalty. Now I understand it, but I still wouldn't use it personally. Thanks for the info though.

What about saturdays, are you ALWAYS OFF? Or does this increase mean you'd have to work sat and sunday? basically weekends? If its just replacing a weekday off with a sunday, for $15k I'd do it.

Ok, but what I don't understand is why I should pre-pay all the interest when I won't be there that long. And a $75k mortgage would only be $474/month, or $70/more than the interest along in your option. I'm still not understanding why you would recommend that?

^^^+1 about verizon, NEVER AGAIN. I'd live without a cell phone if they were the only carrier.

How does that make financial sense? I'm pay $404/month in interest alone, never touching my pricinpal, so that in 10 years from now I still owe my original mortgage amount? What?

Once again I'll reiterate, there is NO benefit rate wise to take out a 20 year mortgage over a 30 year mortgage, SO I'm going to take out a 30 year mortgage, and 99% of the time pay the amount a 15/20 year mortgage would be, with that excess going principal, but having the freedom that if something comes up one month and I can't make that extra payment, being able to still cover my mortgage fine. Understand? I'll have $20k equity immediately I would think, as I'm putting down close to $30k and paying about $15k under value. But who knows. And bill, I didn't mean to come across mean, but you agree that you were clueless as to the way the housing market/mortgage business worked and obviously you got taken somewhat, as do millions of americans and that's what puts us in the epidemic. My question to you is, if you hadn't gotten divorced, and you still owned the same home you back 4-5 years ago, where would you stand? Wouldn't you have some equity, wouldn't you be glad to own your home, etc? My point is, no one can plan for the future entirely, you had no clue you'd get divorced, causing you to have to sell the house, causing you to lose money after a few years, ETC ETC, it never ends. And pdgpd or something, I'm currently debt free, have some investments and have money saved, I don't understand how me taking a 30 year mortgage is bad, or that you know if I will/won't prepay on the mortgage. As I've said, there is no rate benefit to me doing a 20yr loan over a 30yr. Its all the same if I do the 20 year, or do the 30 year and make the 20yr payments, so why not give myself that cushion, as you say?

thanks guys, I thought about building it from 2x4's but I'd like to be able to dissasemble if needed in the future. My mom's got a sam's club card so maybe we'll check that out this weekend.

i've had them for 4 years, actually just renewed my contract a few weeks ago to get a nice upgrade phone, never had an issue.

I want some heavy duty storage shelving for the basement/garage. I'd like it to be 6-8ft tall, probably like 18-24" deep and like 4 ft or so wide. I'd also like to be able to put a couple hundred pounds on each shelf, so maybe 1000lbs altogether, like 200lbs/shelf, 5 shelfs, sort of thing. extra points if its on wheels. where would you shop around for these? I checked sears and lowes, anywhere else?

http://i221.photobucket.com/albums/dd119/npw2658/miata.jpg *Fixed

depends what your plans are for the car. both are fast, i'd assume a z06 will always be worth more...

troof, i couldn't even watch the whole thing

Where ya moving to? Thought the build fell through or was close to?

lol @ this thread, it's hilarious, like caterday....hmm when is caterday?

Well, seeing as how the rate doesn't change to benefit me I'd like to take out a 30 year fixed, and just make the 20year payment or something. 2 reasons, one, I'm not going to live here forever, and 2, I'm still a full time student and work full time, so money doesn't exactly fly in, you know? And if I could afford the 15 year payment + the higher taxes of a house, I'd own one instead of considering a condo.