OT: 109th Obsequious Banter Thread: In the Driver's Seat

[trostol]

@Appleyard is county cricket treated like test? reading about it seems a bit confusing

 

[trostol]

ya know..if i was Hamilton Burger i would have just quit lol dude just cant beat Perry

 

[Lord Defect]

 

[Sombastate]

So, I may have bought a house.

I bought a house as a full time musician, which is absolutely wild to me.

Also, don't ever buy a house. Its the most stressful shit of my life

 

[Tripod]

So, I may have bought a house.

I bought a house as a full time musician, which is absolutely wild to me.

Also, don't ever buy a house. Its the most stressful shit of my life

Congrats. Once it's paid off and you are living mortgage free it will all be worth it.

 

[Sombastate]

Congrats. Once it's paid off and you are living mortgage free it will all be worth it.

Only 30 years left!!!

 

[Tripod]

Only 30 years left!!!

Now, it will be less....just be smart. When things are good, add an extra payment here and there. When rates drop, lock it in cheap. Not sure if doing, but I went with a payment every 2 weeks vs monthly. Saves approx 2.5 years off your mortgage and of course means less interest paid.

Being in my mid 40's and being mortgage free was perfect.

 

[Lord Defect]

So, I may have bought a house.

I bought a house as a full time musician, which is absolutely wild to me.

Also, don't ever buy a house. Its the most stressful shit of my life

Congratulations on both parts man!

 

[Sombastate]

Now, it will be less....just be smart. When things are good, add an extra payment here and there. When rates drop, lock it in cheap. Not sure if doing, but I went with a payment every 2 weeks vs monthly. Saves approx 2.5 years off your mortgage and of course means less interest paid.

Being in my mid 40's and being mortgage free was perfect.

Yeah! Once interest rates drop, I'm going to refinance. I'm currently at 6.9%. But a lot of that has to do with being a musician. Doing anything as an independent contractor is astronomically more difficult.

And I was looking into that twice a week option. And when my PMI disappears, I'll continue the payments I'm making now, which will drop it down a lot, too

 

[swami24]

Pay as much extra principle as you can early. Set your payment 200+ every month. We will pay ours off in the next few years, probabaly 8 years early. Considering that we had to pay off college loans too, that's not too bad.

 

[Beef Invictus]

@trostol @Appleyard

With the Brook/Root partnership broken I think I'd just go balls out and race to 400. Taking wickets is fine even if everyone left only gets 10-20 runs at this point.

 

[Beef Invictus]

Yeah! Once interest rates drop, I'm going to refinance. I'm currently at 6.9%. But a lot of that has to do with being a musician. Doing anything as an independent contractor is astronomically more difficult.

And I was looking into that twice a week option. And when my PMI disappears, I'll continue the payments I'm making now, which will drop it down a lot, too

Congrats!


I've bought two houses and sold one.


Never a-f***ing-gain

 

[achdumeingute]

So, I may have bought a house.

I bought a house as a full time musician, which is absolutely wild to me.

Also, don't ever buy a house. Its the most stressful shit of my life

It's more stressful to SELL the house. Trust me. Congratulations my man. Buying a house is ALWAYS a fantastic long term idea, as long as you don't default on the payments.

 

[achdumeingute]

Yeah! Once interest rates drop, I'm going to refinance. I'm currently at 6.9%. But a lot of that has to do with being a musician. Doing anything as an independent contractor is astronomically more difficult.

And I was looking into that twice a week option. And when my PMI disappears, I'll continue the payments I'm making now, which will drop it down a lot, too

Almost anything you can do to get out of PMI is the right answer. PMI is such a scam.

 

[Flybynite]

BTW, to call it a racist rant really doesn't even begin to do justice. Dude went on this methodical statement about how white people need to move away from black people, find places they aren't and move to them and stop doing anything to offer any 'help' to any black people.

 

[trostol]

@trostol @Appleyard

With the Brook/Root partnership broken I think I'd just go balls out and race to 400. Taking wickets is fine even if everyone left only gets 10-20 runs at this point.

I am at work..but I see the Kiwis are already down 12/2...that team is in bad shape

 

[Jack Straw]

BTW, to call it a racist rant really doesn't even begin to do justice. Dude went on this methodical statement about how white people need to move away from black people, find places they aren't and move to them and stop doing anything to offer any 'help' to any black people.

I used to read the comics regularly when I got an actual newspaper delivered. I never read Dilbert though and now I'm pretty sure I never will.

 

[Tripod]

Pay as much extra principle as you can early. Set your payment 200+ every month. We will pay ours off in the next few years, probabaly 8 years early. Considering that we had to pay off college loans too, that's not too bad.

Yup, good advice.

Something else I did was lots of times when I got a raise, I would just up my payment by that amount....after taxes of course. I would see how much my take home paycheck went up by, then adjust the payment. Back then it might only be a $30-40 increase but it made a difference over time and I just kept living as I was before.

Other times I would "bank" a portion of the raise amount in a different account so I had a down-payment for vehicle.

In the end, I paid off the house in 17.5 years.

Now banking for retirement...which I also did since age 25. Do that too boys.

 

[Embiid]

BTW, to call it a racist rant really doesn't even begin to do justice. Dude went on this methodical statement about how white people need to move away from black people, find places they aren't and move to them and stop doing anything to offer any 'help' to any black people.

So he is saying he wouldn't play the role of Mr. Drummond on Different Strokes?

 

[Beef Invictus]

Yup, good advice.

Something else I did was lots of times when I got a raise, I would just up my payment by that amount....after taxes of course. I would see how much my take home paycheck went up by, then adjust the payment. Back then it might only be a $30-40 increase but it made a difference over time and I just kept living as I was before.

Other times I would "bank" a portion of the raise amount in a different account so I had a down-payment for vehicle.

In the end, I paid off the house in 17.5 years.

Now banking for retirement...which I also did since age 25. Do that too boys.

Some loans don't allow this anymore. It's horseshit.

 

[Tripod]

Some loans don't allow this anymore. It's horseshit.

Really?

The US is dumb

 

[swami24]

There are loans with early payoff penalties. Predatory.

 

[LegionOfDoom91]

 

[Embiid]

Such criminality....

‘Sound like Mickey Mouse’: East Palestine residents’ shock illnesses after derailment

East Palestine, Ohio, residents are uniting to fight for their town to be treated fairly — by the Biden administration and Norfolk Southern.

nypost.com

Homeboy cynically goes there for a photo op and distributes water with his brand name on it......glad she ain't falling for the crap or that of any politician that let corporate greed run amok....which is pretty much the majority of politicos..

"We’re not going to shut up,” she said. “We’re not weak but we need support. We’re here for the long run. Trump came here and then he was gone. What’s he going to do for us, really? We’re going to do it ourselves and we’re organizing from the ground up.”

 

[swami24]

Now banking for retirement...which I also did since age 25. Do that too boys.

That is one area where our situation is different. Both the Mrs and I work for an organization with a great pension, and both have over 35 yrs in. Now we have been paying a lot into it, but we could both retire with 60%+ salary tomorrow. I will definitely retire somewhere between late this year and 2025. Great option since I don't turn 60 until later this year.