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Lol, now you want to pull numbers out to justify your purchase. At least I can be thankful you dropped that stupid apartment derail. I wasn"t arguing whether or not you (personally) could afford it, because until now, you didn"t present any numbers, so only you could know your personal...

You keep going back to apartments because apparently in your state it"s against the law to rent a home. All we"ve been arguing is whether or not someone who can only put 3.5% down has the "means" to purchase a house. I say no, you say yes, that"s the only place we differ. The whole...

What I meant was whether or not you are married or single has nothing to do about whether or not you should buy a house. It"s all about whether or not you can afford one. Phoenix mentioned he was renting.....Cutlery discounted him because he was single? Why? For all we know, Phoenix is renting a...

Whose fault is that? Again, choice, consequences. You choose to have a family earlier in life, especially before you have your career on track, then so be it, but realize it may delay your ability to do other things, especially when it comes to anything involving money, since kids are so...

I wish I was fucking around. The truth is the housing crisis is due in large part to people who share your mentality regarding home ownership - people buying homes they can"t afford, just for the sake of "owning" a home.

You conveniently ignored the scenario where you are just renting. Those were the 2 options you presented, correct? Renting for 4 years vs buying at 3.5%? If you got injured two years from now, it would be easier to extricate yourself from the rental situation. Now let"s say you got injured...

No offense, but your reasoning is exactly why we had the housing meltdown. Too many people believing it"s better off getting into a home no matter what the cost versus doing the responsible thing and saving money. And to answer your question, the better course is to rent for 4 years and save...

And I would disagree. I wouldn"t say ignorant, it"s just financially unsound. I mean, if 3.5% is OK, how about ZERO money down? Like all those people did who took out 2 mortgages, one principle, and a rider for the down payment? How do you think the majority of those people are doing now...

Picasso, don"t kid yourself.You don"t own your home until you pay it off. The less you put down on your home to begin with, the longer it"s going to take to pay off your home, and the more interest and overall cost that home is going to be at the end. That $300,000 home you bought you will have...

It"s about managing your finances and not living outside your means. I"m not sure what Cutlery"s beef with Cad is, but Cad isn"t the only one that bought property in their 20s. The key again is not to start big, start small. I graduated in college at 22, rented, and when I was 26 I bought my...

1) That is a little odd, the big drop over 6 months or so.....but you need to look at comps in the same neighborhood. I"m not sure which state you are in, but I can tell you in some parts of California, where I"m at, I wouldn"t even bat an eye at a drop like that. It can mean 1) it was...

Well, if your wife"s net income is 120k, that makes your situation a lot better. Now you have $10,000 a month in income, of which $3k is your mortgage, leaving you 7k a month which is plenty. I"m not counting your income since you are not going to have it soon, but I have to...

Your home loan is huge compared to income. I"m assuming your wife"s gross income is $120k, not net income, so I"m going by that. After taxes (federal, state, property) you"re looking at around $60k net (this is assuming you"re living somewhere like California, where I live. Obviously if you are...

The thing I do is to make my employees realize how well compensated they are. The way to retain your best workers is to make them realize that they would be hard pressed to make more money elsewhere, and if they are happy at my company, they will have no incentive to leave. At our end-of-year...

I"m glad more and more people, at least on these forums, are opening their eyes to the difficulties of running a small business. There is no easy money. It takes a lot of time, effort, and above all,risk. No matter how well you think you"ve planned on opening a business, how many business models...

I"m not sure which path you were choosing to take at the end of your post.....it sounded like she just wanted to be friends, but you were thinking about letting her know how you feel? I also believe in life that you can"t truly regret any decision you make, since at the time you make the...

The difficulty from acquiring loot should be based on the difficulty of the encounter, not on RNG. That"s why badges work. Because the last thing you need after spending your time defeating a hard encounter is to find out the item you really want didn"t drop, or the item that did drop no one...

WoW isn"t made for younger players, but people like Cam just perpetuate the stereotype. What"s funny is the constant references to "Bnet kiddies".....guess what? When was the last time you actually used Bnet? Bnet was back in the days of Starcraft and Warcraft, like 10 years ago......assuming...