Never buy a House (with someone else!)

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  • TroyD
    TroyD Posts: 13,093
    edited July 2006
    Sicko...

    BDT
    I plan for the future. - F1Nut
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  • Ricardo
    Ricardo Posts: 10,636
    edited July 2006
    F1nut wrote:
    I need a smoke.......


    Then get one...or did you quit??

    I am ashamed to say that after 7 months with not one cigarrete, I've been smoking again for close to three months.......and I love it (shame...)
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  • Polkersince85
    Polkersince85 Posts: 2,883
    edited July 2006
    wingnut4772 wrote:
    I have a friend who is a MTG Broker and she told me that I could probably push getting a house in the 400K area so maybe my Ht can have a good home after all.

    Just some advice from a former (honest) broker. Be careful getting in over your head or you could lose it all. Many brokers will max you out and you'll never see daylight again. (HT in flea market to make next month's payment.)
    I used to advise only 25% of you GROSS income should go to house payment. Good luck
    >
    >
    >This message has been scanned by the NSA and found to be free of harmful intent.<
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  • amulford
    amulford Posts: 5,020
    edited July 2006
    Be careful with that, tke he^^ said. I see that crap all the time...
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  • jdhdiggs
    jdhdiggs Posts: 4,305
    edited July 2006
    Yup, 25% is a good, rough guideline. I've also seen that the biggest house you should own would be 5X your gross as a rule of thumb which is a bit more than 25% assuming no $$$ down. I doubt you're making $80K as a cop unless you are well up in the ranks (or on the take ;) ).
    There is no genuine justice in any scheme of feeding and coddling the loafer whose only ponderable energies are devoted wholly to reproduction. Nine-tenths of the rights he bellows for are really privileges and he does nothing to deserve them. We not only acquired a vast population of morons, we have inculcated all morons, old or young, with the doctrine that the decent and industrious people of the country are bound to support them for all time.-Menkin
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  • unc2701
    unc2701 Posts: 3,587
    edited July 2006
    jdhdiggs wrote:
    I've also seen that the biggest house you should own would be 5X your gross as a rule of thumb which is a bit more than 25% assuming no $$$ down.

    Yeah, the 5x worked when the interest rates were down, but not so much anymore. Whatever you do, don't go over 33% including car payments, school debt, CC debt, etc. (4x your salary works out so that your payment is about 33% of your gross monthly assuming that you can get your mortgage at 6% interest)

    I'm at 16% :) but it helps that the wife makes exactly what I do, no kids and the cars are paid for.
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  • schwarcw
    schwarcw Posts: 7,341
    edited July 2006
    This is going to be a long thread.
    Carl

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  • brettw22
    brettw22 Posts: 7,623
    edited July 2006
    First of all, i almost feel like I wasted time creating my thread with scantily clad men......I was only doing it for y'alls pleasure, don'tcha know.....lol.
    wingnut4772 wrote:
    (s)he is sorry..(s)he loves me blah blah blah. That's all I hear ..blah.
    When your reaction to being told you're loved is "blah" that's all the answer you need. Good luck with things Darla......being single isn't such a bad thing.
    comment comment comment comment. bitchy.
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  • Midnite Mick
    Midnite Mick Posts: 1,591
    edited July 2006
    brettw22 wrote:
    being single isn't such a bad thing.

    Agreed. And in many ways it is a good thing.

    Your choice of course.......just don't stay for the wrong reasons.

    All the Best,
    Mike
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  • wingnut4772
    wingnut4772 Posts: 7,519
    edited July 2006
    brettw22 wrote:
    First of all, i almost feel like I wasted time creating my thread with scantily clad men......I was only doing it for y'alls pleasure, don'tcha know.....lol.


    Who says I didn't enjoy them?;)
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  • brettw22
    brettw22 Posts: 7,623
    edited July 2006
    Ya, well I was lying........it was for me too........lol......
    comment comment comment comment. bitchy.
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  • wingnut4772
    wingnut4772 Posts: 7,519
    edited July 2006
    jdhdiggs wrote:
    Yup, 25% is a good, rough guideline. I've also seen that the biggest house you should own would be 5X your gross as a rule of thumb which is a bit more than 25% assuming no $$$ down. I doubt you're making $80K as a cop unless you are well up in the ranks (or on the take ;) ).

    You might be wrong there. ;) Being a cop in Miami Dade pays pretty darn well. Especially after you have been on for a while. Sprinkle in some court at $50.00 and hour (4 hour min) and a couple of OT gigs a month(again $50.00 per hour) and 80 is pretty easy to do. And I plan to take the Sgt. test next year. My good friend has been a Seargent for about 3 years and her base pay is 80k.
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  • shack
    shack Posts: 11,154
    edited July 2006
    wingnut4772 wrote:
    Who says I didn't enjoy them?;)

    This is getting too wierd....

    First, your guy isn't a guy...he's a chick. So you must like chicks. But then you may enjoy looking at naked guys. Maybe you like both. Maybe YOU aren't a chick.

    Maybe you are really a guy pretending to be a chick and your guy who isn't a guy but a chick is really a guy and you don't want us to know that he/she really isn't a she/he and are trying to confuse us. Well...If that is the case...it worked! I'm confused.

    I don't think you're a cop either. :confused:
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  • wingnut4772
    wingnut4772 Posts: 7,519
    edited July 2006
    shack wrote:
    This is getting too wierd....

    First, your guy isn't a guy...he's a chick. So you must like chicks. But then you may enjoy looking at naked guys. Maybe you like both. Maybe YOU aren't a chick.

    Maybe you are really a guy pretending to be a chick and your guy who isn't a guy but a chick is really a guy and you don't want us to know that he/she really isn't a she/he and are trying to confuse us. Well...If that is the case...it worked! I'm confused.

    I don't think you're a cop either. :confused:
    :D:D:D

    You should try being me!



    faster 100 knows I am a chick and a cop:D
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  • shack
    shack Posts: 11,154
    edited July 2006
    LIke anybody is going to beileve Cliff. :rolleyes:

    I think you are some geek guy (IE probably) that works for Bose, lives in Thailand (with his mother and crazy uncle), and was sent here to reek havoc on Club Polk. Now that's believable!
    "Just because you’re offended doesn’t mean you’re right." - Ricky Gervais

    "For those who believe, no proof is necessary. For those who don't believe, no proof is possible." - Stuart Chase

    "Consistency requires you to be as ignorant today as you were a year ago." - Bernard Berenson
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  • TroyD
    TroyD Posts: 13,093
    edited July 2006
    Yeah, but Cliff wouldn't know his **** from a hole in the ground so consider the source.

    BDT
    I plan for the future. - F1Nut
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  • wingnut4772
    wingnut4772 Posts: 7,519
    edited July 2006
    :(:(:(
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  • shack
    shack Posts: 11,154
    edited July 2006
    wingnut4772 wrote:
    :(:(:(

    I'm sorry. It must be the Industrial Engineer referrence that made you mad. That was a little "over the top".
    "Just because you’re offended doesn’t mean you’re right." - Ricky Gervais

    "For those who believe, no proof is necessary. For those who don't believe, no proof is possible." - Stuart Chase

    "Consistency requires you to be as ignorant today as you were a year ago." - Bernard Berenson
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  • wingnut4772
    wingnut4772 Posts: 7,519
    edited July 2006
    shack wrote:
    I'm sorry. It must be the Industrial Engineer referrence that made you mad. That was a little "over the top".

    Oh is that mad? I thought it was sad.
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  • Mike682
    Mike682 Posts: 2,074
    edited July 2006
    wingnut4772 wrote:
    You might be wrong there. ;) Being a cop in Miami Dade pays pretty darn well. Especially after you have been on for a while. Sprinkle in some court at $50.00 and hour (4 hour min) and a couple of OT gigs a month(again $50.00 per hour) and 80 is pretty easy to do. And I plan to take the Sgt. test next year. My good friend has been a Seargent for about 3 years and her base pay is 80k.

    Come up here to Suffolk County, Long Island. Base salary for a Police Officer is:

    SALARY
    2007 starting base salary for a Police Officer is $57,811. With five (5) years of service, the base salary is $97,958*.

    * Under 2007 labor agreement
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  • wingnut4772
    wingnut4772 Posts: 7,519
    edited July 2006
    Mike682 wrote:
    Come up here to Suffolk County, Long Island:

    SALARY
    2007 starting base salary for a Police Officer is $57,811. With five (5) years of service, the base salary is $97,958*.

    * Under 2007 labor agreement
    WOWEE! And I thought we had it good! We just got our new contract and we are getting a 12% (I think ) raise over the next 3 years and I still personally have another 10% in raises to go before I hit longevity (or make Sgt.) What is the cost of living in Long Island?
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  • wingnut4772
    wingnut4772 Posts: 7,519
    edited July 2006
    Anyhoo...just spoke to her again (via email) and told her that I really needed to be on my own at this point and she told me she loved me and was not going to give up. So she is not making it easy.

    And for you doubters. That is me with my beloved Sofie.
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  • Mike682
    Mike682 Posts: 2,074
    edited July 2006
    wingnut4772 wrote:
    WOWEE! And I thought we had it good! We just got our new contract and we are getting a 12% (I think ) raise over the next 3 years and I still personally have another 10% in raises to go before I hit longevity (or make Sgt.) What is the cost of living in Long Island?

    Here's a link from Forbes:

    http://www.forbes.com/lists/2005/1/2951.shtml
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  • wingnut4772
    wingnut4772 Posts: 7,519
    edited July 2006
    Mike682 wrote:
    Here's a link from Forbes:

    http://www.forbes.com/lists/2005/1/2951.shtml

    Thansk Mike. Your a full service poster!:D
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  • dkg999
    dkg999 Posts: 5,647
    edited July 2006
    OK, it's a good thing I am taking a week of vacation back at my farm in IA, because I'm going to need it to get over the confusion of this thread :confused: There was a 180 degree shift in there that I sure didn't see coming.

    Darla - go for whatever is going to make you happy! That's all that really matters.
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  • schwarcw
    schwarcw Posts: 7,341
    edited July 2006
    wingnut4772 wrote:
    And for you doubters. That is me with my beloved Sofie.

    Now I know why she wants you back;) You can frisk and cuff me anytime!:D

    Carl
    Carl

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  • wingnut4772
    wingnut4772 Posts: 7,519
    edited July 2006
    schwarcw wrote:
    Now I know why she wants you back;) You can frisk and cuff me anytime!:D

    Carl

    :p:p:p
    Thanks
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  • wingnut4772
    wingnut4772 Posts: 7,519
    edited July 2006
    :p:p:p deleted
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  • danger boy
    danger boy Posts: 15,722
    edited July 2006
    wingnut4772 wrote:
    Anyhoo...just spoke to her again (via email) and told her that I really needed to be on my own at this point and she told me she loved me and was not going to give up. So she is not making it easy.

    And for you doubters. That is me with my beloved Sofie.

    ok everybody all at once.. Awwwwwwwww. that's so cute. :)
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  • brettw22
    brettw22 Posts: 7,623
    edited July 2006
    Good Lord Darla......you don't have to get TOOO friendly with the people here.....even I hold back more.....lol
    comment comment comment comment. bitchy.
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