|
Members in Shoutbox
None.
Shoutbox Search
Shoutbox Commands
/w [name] > Whisper
/r > Reply to last whisper /me > Marks as action Shoutbox Information
Moderators may delete any and all shouts at will.
|
Global Shoutbox
Please log in to shout.
[2017-5-16. : 11:26 pm]  Vrael -- jjf28jjf28 shouted: no, it's more like 900/mo, but there are costs to home-ownership that you have to deduct Mini Moose 2707Mini Moose 2707 shouted: Vrael It's not the rent. It's the difference between rent and average monthly home ownership costs. oh oops[2017-5-16. : 11:18 pm] Suicidal Insanity -- savings account? They don't pay interest over here any more... ;([2017-5-16. : 11:13 pm] jjf28 -- and then there's the gains you could have received had you put your capital into bonds or a savings account to deduct[2017-5-16. : 11:12 pm] jjf28 -- and if you pay closing costs it's convenient to spread said costs across however many months you stay at the house and deduct those as well[2017-5-16. : 11:11 pm]  Moose -- VraelVrael shouted: jjf28 where do you live that rent is only ~200 a month? It's not the rent. It's the difference between rent and average monthly home ownership costs.[2017-5-16. : 11:11 pm] jjf28 -- no, it's more like 900/mo, but there are costs to home-ownership that you have to deduct[2017-5-16. : 11:10 pm] Suicidal Insanity -- Huh. 200$ a month rent? Is the US just that cheap, or do you have sketchy 1 room apartments? You pay more for a 1 room student apartment here...[2017-5-16. : 11:10 pm] Vrael -- jjf28jjf28 shouted: assuming you had the money to buy a house up front, it's an investment in the sense that you don't pay rent (save ~200/mo), it's an asset you can borrow against, and if you're in a rapidly developing location it will indeed accrue value that you can cash in when you no longer work in the area where do you live that rent is only ~200 a month?[2017-5-16. : 11:07 pm] Moose -- Suicidal InsanitySuicidal Insanity shouted: Owning a home for yourself isn't an investment, its a long term cost saving measure. Owning houses with aim to rent to other people, or to sell in the future is an investment This. Home ownership makes sense in many cases, just not as often as what seems to be conventional wisdom.[2017-5-16. : 11:06 pm] jjf28 -- if you pay a ton of interest to keep the house tho, it's just a scam  [2017-5-16. : 11:05 pm] jjf28 -- assuming you had the money to buy a house up front, it's an investment in the sense that you don't pay rent (save ~200/mo), it's an asset you can borrow against, and if you're in a rapidly developing location it will indeed accrue value that you can cash in when you no longer work in the area[2017-5-16. : 11:05 pm] Suicidal Insanity -- Owning a home for yourself isn't an investment, its a long term cost saving measure. Owning houses with aim to rent to other people, or to sell in the future is an investment[2017-5-16. : 11:04 pm] Suicidal Insanity -- @Ashamael: American market may be like that, but not german one.[2017-5-16. : 11:02 pm] Moose -- AshamedAshamed shouted: a house = a bank.. Thats it lol A savings account gives you interest, and far, far more liquidity.[2017-5-16. : 11:00 pm] Broflamingo -- Iceman166Iceman166 shouted: Housing investment: How to exploit an entire country who are financially illiterate and help you fund your ponzi scheme Lmao, seriously, how is something that you are not making a return on an investment? One of biggest propoganda lines ever.[2017-5-16. : 10:59 pm] Iceman166 -- Housing investment: How to exploit an entire country who are financially illiterate and help you fund your ponzi scheme[2017-5-16. : 10:58 pm] Broflamingo -- Mini Moose 2707Mini Moose 2707 shouted: Mini Moose 2707 I'd also argue a lot of housing "investments" aren't. Oh, your home price doubled? Too bad it's your only house and you're not selling anytime soon. Have fun being excited about those unrealized gains. Moose its crazy the propoganda about home ownership in America. Something you are paying down isn't an "investment", yet so many people seem to parrot this talking point.[2017-5-16. : 10:57 pm] Broflamingo -- https://www.washingtonpost.com/world/national-security/notes-made-by-former-fbi-director-comey-say-trump-pressured-him-to-end-flynn-probe/2017/05/16/52351a38-3a80-11e7-9e48-c4f199710b69_story.html?hpid=hp_hp-banner-high_comey-615pm%3Ahomepage%2Fstory&utm_term=.4313763a7bd2[2017-5-16. : 10:54 pm]  Ashamed -- unless you can buy cash and rent it.. Then you can make some change.[2017-5-16. : 10:52 pm] Ashamed -- also majority house owner only owns their house for 7 years before unknown circumstances makes them sell it. (Its gone up a few years use to be 4 lol ) This is all American market though. dunno about other countries.[2017-5-16. : 10:49 pm] Moose -- Mini Moose 2707Mini Moose 2707 shouted: Suicidal Insanity Exactly, housing as an investment is very subject to local conditions. I'd also argue a lot of housing "investments" aren't. Oh, your home price doubled? Too bad it's your only house and you're not selling anytime soon. Have fun being excited about those unrealized gains.[2017-5-16. : 10:48 pm] Ashamed -- Suicidal InsanitySuicidal Insanity shouted: Not a good investment? The prices have doubled here in the last 5 years.... They have not doubled either.. That is insanity... You are saying a 500k house now cost 1 million dollars after 5 years. Yeah fucking right. Actually if you look at statistics most housing markets don't increase more than 0.2% of the house value per year.... If you also add in inflation most people do not ever make a dime off their house.[2017-5-16. : 10:46 pm] Suicidal Insanity -- I would prefer a really bad property market so I could buy a place and stop paying rent ;([2017-5-16. : 10:45 pm] Moose -- Suicidal InsanitySuicidal Insanity shouted: Not a good investment? The prices have doubled here in the last 5 years.... Exactly, housing as an investment is very subject to local conditions.[2017-5-16. : 10:44 pm] Moose -- AshamedAshamed shouted: Mini Moose 2707 the thing is houses have never been a good investment - If you look at history. Millenials might know a thing or 2 when it comes to not buying a house ha Agreed. It's also very important to run the numbers on buy versus rent before buying.[2017-5-16. : 10:42 pm] Suicidal Insanity -- Not a good investment? The prices have doubled here in the last 5 years....[2017-5-16. : 10:37 pm] Ashamed -- Mini Moose 2707Mini Moose 2707 shouted: I mean, young people spend money on a lot of dumb non-essential shit, but so do most people in developed countries. the thing is houses have never been a good investment - If you look at history. Millenials might know a thing or 2 when it comes to not buying a house ha[2017-5-16. : 10:25 pm] Iceman166 -- Australia's economy is about to explode, need to prop up the housing ponzi scheme for as long as possible[2017-5-16. : 10:22 pm] Moose -- I mean, young people spend money on a lot of dumb non-essential shit, but so do most people in developed countries.[2017-5-16. : 10:16 pm] Ashamed -- Mini Moose 2707Mini Moose 2707 shouted: For the record, I'm only half serious (meal prep is a good way to save money, and probably more than $50/month depending on the availability of prepared food in your area). Seeing "millenial" in the URL pretty much already gives away that it's going to be generalizations and nonsense. LMAO Just people that are trying to blame our economy on the current generation ha[2017-5-16. : 10:14 pm] Moose -- For the record, I'm only half serious (meal prep is a good way to save money, and probably more than $50/month depending on the availability of prepared food in your area). Seeing "millenial" in the URL pretty much already gives away that it's going to be generalizations and nonsense. LMAO[2017-5-16. : 10:02 pm] Ashamed -- I think other things are causing the decline of house sales... Like Inflation or not changing pay wage for the last 30 years... These seem more likely -.-[2017-5-16. : 10:01 pm] Ashamed -- Mini Moose 2707Mini Moose 2707 shouted: Ashamed Do meal prep. Have fat $tack$. Can confirm. Sure saving 50 dollars a month on meal prep will get you that 400k house![2017-5-16. : 9:56 pm] Moose -- AshamedAshamed shouted: http://www.cnbc.com/2017/05/16/millionaire-tells-millennials-to-stop-buying-avocados-to-afford-a-home.html (It all makes sense now!!!) Do meal prep. Have fat $tack$. Can confirm.[2017-5-16. : 9:49 pm] Ashamed -- http://www.cnbc.com/2017/05/16/millionaire-tells-millennials-to-stop-buying-avocados-to-afford-a-home.html (It all makes sense now!!!)[2017-5-16. : 9:47 pm] Moose -- AshamedAshamed shouted: Mini Moose 2707 Liez If that doesn't work, try Mark All As Read at the bottom.[2017-5-16. : 9:43 pm] Ashamed -- Mini Moose 2707Mini Moose 2707 shouted: You have to mark the notifications as read. Liez[2017-5-16. : 9:22 pm] UnholyUrine -- Oi, the "1 New Notifcation" tab on the top left isn't going away. How do I get rid of it.[2017-5-16. : 5:37 pm] jjf28 -- VraelVrael shouted: like how I'm from the United States of America, or Goku is from planet Vegeta https://i.imgur.com/HkPOzEH.jpg?1[2017-5-16. : 5:22 pm] Vrael -- like how I'm from the United States of America, or Goku is from planet Vegeta[2017-5-16. : 5:21 pm] Broflamingo -- VraelVrael shouted: Broflamingo Corbo comes from 'i liek turtles' Of the ninja variety?[2017-5-16. : 5:19 pm] Vrael -- BroflamingoBroflamingo shouted: Corbo Corbo what country are you in? Corbo comes from 'i liek turtles'[2017-5-16. : 2:43 pm] Broflamingo -- Mini Moose 2707Mini Moose 2707 shouted: jjf28 This is asking too much for 90+% of people who want to talk politics LMAO Mini Moose 2707Mini Moose 2707 shouted: By which I mean, you're lucky if you make it past this is not a discussion before even going in. NO U[2017-5-16. : 2:43 pm] Broflamingo -- CorboCorbo shouted: like, they sell crap like monopoly and other popular family friendly games at some toy stores. But I've never seen games like the ones voy buys at all. Corbo what country are you in?[2017-5-16. : 2:37 pm] Corbo -- like, they sell crap like monopoly and other popular family friendly games at some toy stores. But I've never seen games like the ones voy buys at all.[2017-5-16. : 12:07 pm] Voyager7456 -- Tassaar930Tassaar930 shouted: FaRTy1billion Speaking of which, there's this new "Surviving Mars" game from Paradox Interactive that I totally thought you guys were talking about for a second Oooh interesting. I'll have to check it out.[2017-5-16. : 11:59 am] jjf28 -- Mini Moose 2707Mini Moose 2707 shouted: jjf28 This is asking too much for 90+% of people who want to talk politics LMAO Mini Moose 2707Mini Moose 2707 shouted: By which I mean, you're lucky if you make it past this is not a discussion before even going in. tbh they're about the same thing, not asking anyone to speak in syllogisms, just that what they say connects to something meaningful and they're not at cross purposes[2017-5-16. : 10:49 am] Moose -- Turns out most people who want to "discuss" politics actually don't.[2017-5-16. : 10:43 am] Moose -- By which I mean, you're lucky if you make it past this is not a discussion before even going in.[2017-5-16. : 10:38 am] Moose -- jjf28jjf28 shouted: Broflamingo Frankly I care much less about the actual point any two groups are arguing and more that they're: 1) Arguing truly contradictory positions. 2) Actually logic'ing (if there are no premises or your conclusion doesn't follow, you're not supporting anything; if there are premises potentially connection to an opposing conclusion and you don't attack them or the connection you're not opposing anything, anything in-between is bullshit). 3) Use gud english. Fail on any count and I'll go nutz on your ass This is asking too much for 90+% of people who want to talk politics LMAO [2017-5-16. : 8:46 am] Lanthanide -- thread's here: http://www.staredit.net/topic/17240/unread/#special[2017-5-16. : 8:13 am] Suicidal Insanity -- Time to let everyone test scmdraft... see the terrain thread for links. I'll go hide at work and hope there aren't too many reported bugs when I get home! ;([2017-5-16. : 6:54 am] Tassaar930 -- FaRTy1billionFaRTy1billion shouted: Voyager7456 it sounds like my friend's boardgame friends love that game, so I'll probably be playing it at some point xD Speaking of which, there's this new "Surviving Mars" game from Paradox Interactive that I totally thought you guys were talking about for a second |
