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The one you stuck in your fucking yapper by thinking that housing prices in CA or NY have any fucking bearing at all anywhere else in the country, you dumb fuck. Yeah, I live in shittown USA, population 50,000. Fucking moron. You know what else has no relevance to anything in this thread? People...

You"re jaded, and clearly dumb as shit. You wanna come in here and judge me and everyone else and you know fuck all about anything, apparently. You wanna know what 245k bought me? 2500 sq ft, 5 bed, 3 bath, on almost a full acre, on a lake, corner lot, with a in ground 20x40 foot pool...

No, what was sub optimal financially was renting for 10 fucking years while the housing bubble happened. I SHOULD have bought a house (much like my own) for 110k in 2000 when my household was making 40k a year rather than doing what I did, which was try to get a decent sized down payment...

I put down 3.5%. I bought a 245k house, my wife and I make 110k a year. What now? You gonna tell me I can"t afford my loan?

All of them? Of course not. However, every apartment I"ve ever lived in has had - Various domestic disputes. Hallways smell of weed every night Increased police activity (you know, protecting all those stand up citizens) Parking lot vandalism in some capacity. (FYI, hair spray takes...

The perils of home ownership? I"m not being responsible because I chose to throw down 10k instead of 50k? That"s fucking ridiculous. Especially because they"ll give you a loan with 10k. Renting is fucking retarded in this market. Actually, renting is fucking retarded in most markets. You"re...

Where did I say it was anyone"s fault? If you think kids are better off in an apartment environment, with all it entails (neighbors of ill repute, drugs in the complex, etc) over having a suburban house in an established neighborhood with a yard and pets and parks and sidewalks and shit, I...

You"re single. Try to keep up here.

Well, I dunno about you, but every apartment I"ve lived in smelled like fucking weed every weekend and most evenings. And this was in the suburbs too, wasn"t a fucking inner city place. Low rent = people who can afford low rent. Don"t forget it. I"ll take my lot in an established neighborhood...

To be fair, nothing of the sort has been going on around here for a couple months now, but it"s not anything close to what you guys would wish on me. Week after the kid was born, wife passed a pretty giant clot, which equals emergency room trip. Uterus not cooperating, piece of placenta left...

Unless you have 20%, you"re not entitled to LOL free money low interest rates. Save up 50k and in 10 years when the interest rates are back to 35%, that"s the smart time to buy. See, my beef with Cad is his fucking genuine inability to realize that most of the world didn"t have the benefits...

Well, Cad did, but he"s just an imaginary person on the internet, so it really doesn"t mean shit. Out here in reality land, yeah, not too many of us rocking 50k in the ol" bank account just waiting to snap up a nice piece of real estate. I mean, I"ve got a buddy with that in the bank, but...

And almost by definition, people with an FHA loan (which is what we"re talking about) put down 3.5%. Don"t be a cunt for the sake of being a cunt. We all know you"re better off than everyone else, no reason to shit all over everyone who had to get an FHA to make shit work.

My wife asked my mortgage guy earlier in the year about refinancing, we"re at a 5.5 right now, FHA loan, and he said the problem is that the rules for PMI changed and that went up on all new loans. A good chunk of the money I"d save refinancing would go towards higher PMI, and he basically said...

You"ll find a ton of those if you"re looking at foreclosures specifically. Not necessarily mess in the same way, but a lot of them are complete shitpiles. The upside is that you should have some extra cash to throw at them because of how cheap they are, but it entirely depends on how much of a...

1) No. The bank drops the price until they get action on the house. No offers at 150? Lets try 140 then. No dice? Keep dropping it until they see some offers coming in. 2) The bank wasn"t real keen on my lowball attempt. I"d offer the list price. If it doesn"t get any offers at that price...

Don"t forget his drunk posting about his girlfriend dying 3 months before the marriage.

Yeah, no one ever fucks off in college. The point is that EQ brought this board into existence, made it what it was, and that"s a solid timestamp. Most of the people playing MMO"s then were high school/college age and could afford the timesink that EQ created. When your basic camp was 8+...

EQ came out in what, 98 or 99? That was 12 or 13 years ago, most of us were in our late teens/early 20"s then, because that"s the demographic that got reeled into EQ with our no responsibilities life. The core group of this board should be AT LEAST low 30"s by now.

I know I"m in the minority and everyone"s just gonna rail on me for it, but hey, you asked, I"ll answer. No, I don"t put up with crazy, but I have an advantage of not marrying a crazy chick to begin with. My wife has been very reasonable from day 1, it"s the reason I married her so quick...I...

I think that would be better suited for the Married Guy thread, based upon the content. Not to say there"s not people in here that fit that criteria, but Aamina took that shit to a new level.

End it? That"s never gonna get going. He"s gonna say something at dinner and she"s think it"s odd and text her friends and they"re gonna tell her he"s a fucking creep and to get a new apartment.

This is the same crazy really forward with the sexorz one, isn"t it? I"m pretty sure I remember you having some kinda unusual deal. You"re being ridiculous. Is she 14 or something? She can come and go as she pleases. If she"s out with her friends until midnight, it"s no concern of yours...

Yeah, lotta shit changed in the last few years, and if you haven"t needed to or looked into getting a loan, you"d still think everything was easy sauce to get. Ain"t the case anymore.

Offset... What the fuck man? This chick is 100% guaranteed to be pretty fucking awesome in the sack. You are not the first, she is not a dead fish, and she knows exactly what she wants. This is a prime opportunity to learn a few things. Everyone wishes they had a woman this forward in...

Could use a nose job, but you"re only looking at her ass if you"re doing it right anyway, and that looks decent, so I"d say you"re set. Come on, man up. She"s clearly a freak if she"s coming on to you. Enjoy the ride dude. And try to last longer than 3 minutes too, the rest of mankind is...

Why kid? At least with AFF you"re almost assured some titty pics.

Yeah, coincidentally getting sick enough to go to the hospital right after you break up with a crazy girlfriend? If that don"t make you think, I dunno what to say.

Yeah, no one"s ever made that typo before. I"ll even leave it in just so you feel better.

I"d agree with that one. Don"t even give her your address. Just a phone number to a prepaid one you can throw away in a month.

1) Liberator makes a lot of awesome fucking products. They"re expensive as hell, but they get a shitload of use, at least around my house. I wholeheartedly recommend them for all your bedroom needs. 2) It"s a towel. Fuck. The level of relationships you guys have to be in to think a towel is...

Fuck, he can even use that as a sig in every post too.

McCheese -- Hit the road. 10% chance you can talk this out. 90% chance the cycle continues and gets worse and something bad happens. Just bail. Yeah, reasonable people could work through this. It"s very clear she"s not a reasonable person.

Without knowing the inner workings of the relationship it"s pretty hard to guess. We don"t even have one of them to talk to in order to try to tease out the truth of the situation. Could be anything -- could be postpartum depression run rampant and never corrected and she just spiraled down and...

Eh, not really. I worked for a chip fab many years ago that paid quarterly bonuses. The actual hourly wage wasn"t so hot, but the bonus every 3 months made it possible to catch back up on the credit cards and get back to a good place financially, so it was pretty tolerable. Then when they cut...

That"s the major disconnect between most business owners and their good employees. Your good employees typically want to be able to support their families and not work at some bullshit $10 an hour paygrade. If you want them to stick around and work hard for you, give them a reason to. It"s just...

Well, it"s not exactly an app, but this should do.

What"s the catch on the loan modifier? Another 10 years?

No, but it appears that these are the chicks that are the target at this stage of life for these guys, and that"s the sad part. They"re learning some elaborate game because they have to in order to figure out what the fuck is going on inside these bitches" heads, and that knowledge has...

Ah, the guy I"d known since grade 1 tried to steal my wife. What I could do with some high quality friends....