International Women's Day

[TopsyTurvy]

Today, 8th March, is International Women's Day. This is a global day of recognition for the political, social and economic achievements of women all over the world. The first Global Women's Day was held in 1911, which therefore makes this the centenary year of the event.

This year, the United Nations theme for IWD is Equal Access to Education, Training, Science and Technology

Annually on 8 March, thousands of events are held throughout the world to inspire women and celebrate achievements. A global web of rich and diverse local activity connects women from all around the world ranging from political rallies, business conferences, government activities and networking events through to local women's craft markets, theatric performances, fashion parades and more.

http://www.internationalwomensday.com/default.asp

:nice:

[Ponycar_302]

It's also Fat Tuesday. :cool:

[igofast]

When is "International Woman, Go Make Me a Sandwich" Day?

[TopsyTurvy]

When is "International Woman, Go Make Me a Sandwich" Day?

June 31st.

[SivVulk]

Happy International Women's Day ! :)

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[Sparkly Mary]

National Steak and Blow Job Day is also on its way.

[IFF]

may i wish all the female members of the discussanything forums a wonderful international women's day.

[TopsyTurvy]

I'm glad you got my earlier joke IFF, even if no one else did.

[86Dùde]

March 8 has a bigger meaning for moi. March 8 1862 meant the loss of the state of Misery as a potential slave state and thorn in the side of traitor Lincoln log. Had not the confederate general been such an inept buffoon then 10 thousand filthy, raping, pillaging, yankee pieces of shit from the combined states of Iowa, Ohio, Illinois, and Indiana would have been ceremoniously executed, their vile corpses left to rot on the battlefield like the austro-hungarian non english speaking immigrant dogs they were. The war spoils gained by the confederates in the trans Missisippi would have more than sufficient to have made the midwestern dogs in St. Louis a giant pile of burning, human rubble. I should actually be glad because it's days like these that help me remember why I hate yankee scum like testicle taster, and keystone state boy groping fagoots like pony fag_302. The more things change, the more yankee scum stay the same.

[Ponycar_302]

Had not the confederate general been such an inept buffoon ...

But alas the Confederacy was filled with them. All the resources and manpower in the world and the South still lost because they couldn't out think the North. Still can't. *sigh* If only they could have won . . . .

Hey, look at the bright side; that was yet ANOTHER army you didn't have to serve in. Cowardice is a cheap suit, and you wear it well. ;)

You're so God damned lame. You're trying to get a martyr ban and it isn't working. Ever wonder why, Southern Genius? They enjoy watching you repeatedly fall on your face and get embarrassed. lol

I expect a retort within 24 hours this time. No more running to other message boards and hiding out waiting for help with a reply! :shakefist

[86Dùde]

That was a seriously futile attempt to piss me off. You can do much better. But yes, many southern generals were inept as were many on the north. My expertise is in this particular theater so I won't elaborate about things that didn't occur outside the trans-mississippi. I won't debate a simple minded imbecile like you on why the south lost, but the south had only cottage industries and a limited amount of manpower to sustain the hightide of the CSA until 1863. The north was reinforced by droves of immigrants, either unwilling conscripts or virulent statists from the german civil war and so on. They were eager fodder.

[big steve]

National Steak and Blow Job Day is also on its way.

You are just trying to have your way with us! Next thing you know, you women will be saying you have the right to vote!! ;)

[Shandril105]

You are just trying to have your way with us! Next thing you know, you women will be saying you have the right to vote!! ;)

Someone send Steve the Memo. :D

[Cd.]

Every day is woman's day.

Being a man sucks! :mad:

[Dick Tator]

http://images.encyclopediadramatica.com/images/thumb/5/5e/Gustave_Le_Bon.jpg/200px-Gustave_Le_Bon.jpg

In the most intelligent races, as among the Parisians, there are a large number of women whose brains are closer in size to those of gorillas than to the most developed male brains.
- This inferiority is so obvious that no one can contest it for a moment; only its degree is worth discussion. All psychologists who have studied the intelligence of women, as well as poets and novelists, recognize today that they represent the most inferior forms of human evolution and that they are closer to children and savages than to an adult, civilized man. They excel in fickleness, inconstancy, absence of thought and logic, and incapacity to reason. Without doubt there exist some distinguished women, very superior to the average man, but they are as exceptional as the birth of any monstrosity, as, for example, of a gorilla with two heads; consequently, we may neglect them entirely.

— Scientist Gustave Le Bon on women's small brains (1878).

[big steve]

"A woman is just a woman, but a cigar, now that's a smoke!" (Rudyard Kipling) :D

[TopsyTurvy]

http://images.encyclopediadramatica.com/images/thumb/5/5e/Gustave_Le_Bon.jpg/200px-Gustave_Le_Bon.jpg

In the most intelligent races, as among the Parisians, there are a large number of women whose brains are closer in size to those of gorillas than to the most developed male brains.
- This inferiority is so obvious that no one can contest it for a moment; only its degree is worth discussion. All psychologists who have studied the intelligence of women, as well as poets and novelists, recognize today that they represent the most inferior forms of human evolution and that they are closer to children and savages than to an adult, civilized man. They excel in fickleness, inconstancy, absence of thought and logic, and incapacity to reason. Without doubt there exist some distinguished women, very superior to the average man, but they are as exceptional as the birth of any monstrosity, as, for example, of a gorilla with two heads; consequently, we may neglect them entirely.

— Scientist Gustave Le Bon on women's small brains (1878).

So intelligence is based on brain size now is it?

[Pappy&Me]

Wheres the happy medium?Either its keep them under submission or give them too much power.

Women have more to offer the homefront by keeping men in control through being good mothers and teachers,not ruling the boards,but ruling the board members.

Your children are dying so you can 'have it all'the price you paid for your 'freedoms'have imprisoned you.

Many are used up,lonely and have to have drugs to cope with the life you created.

[Dick Tator]

So intelligence is based on brain size now is it?

Not necessarily, but he made practical observations about women's behaviors that we continue to make to this day. Does brain size have something to do with it? Perhaps. I also think hormones has a lot to do with it.

[TopsyTurvy]

Not necessarily, but he made practical observations about women's behaviors that we continue to make to this day. Does brain size have something to do with it? Perhaps. I also think hormones has a lot to do with it.

Right, so different behaviours = less intelligence. Gotchya.

[Dick Tator]

Right, so different behaviours = less intelligence. Gotchya.

Well... if you repeatedly stick your hand in the fire, I might come to suspect that you're stupid. Women consistently suck at math and science. Something about having a vagina makes it impossible for them to properly drive and/or park. About the only thing that a majority of women seem suited for is complaining, bitching, and shitting out babies. We used to keep you out of trouble in the kitchen but most of you couldn't even do that right. Now you want "equality" and "independence" and act like you don't belong in the kitchen, regardless of the fact that if you were independent you would need to know how to cook for survival.

Women are typically stupid and think they can do whatever they want to men but the second a man looks at them wrong they start screaming abuse and "almost raped". Personally, I think it's funny when a man responds to some woman who thinks she can do whatever and is untouchable because she has a vagina.

http://images.encyclopediadramatica.com/images/1/1a/Woman_spills_beer.gif

[TopsyTurvy]

Unsuccessful troll is unsuccessful.

[Dick Tator]

Unsuccessful troll is unsuccessful.

Not trolling. Stating what I know to be as fact (women are stupid) and what I believe (it's funny when bitches get put down).

[TopsyTurvy]

Still unsuccessful, keep trying though.

[Dick Tator]

Still unsuccessful, keep trying though.

Unsuccessful simply because you're unable to dispute me with fact and logic. I understand. Carry on.

[TopsyTurvy]

Unsuccessful simply because you're unable to dispute me with fact and logic. I understand. Carry on.

No, unsuccessful because your opinion has no bearing on actual facts. Yes some women are dumb, some men are dumb too. Some women are more intelligent than you even, fancy that!

[NJ Refugee]

when is "International Man Day" ?

Just curious

[TopsyTurvy]

when is "International Man Day" ?

Just curious

Clicky (http://www.lmgtfy.com/?q=international+man+day)

[Guido]

Not trolling. Stating what I know to be as fact (women are stupid) and what I believe (it's funny when bitches get put down).

Well, we know there's at least one really fucking stupid woman in the world, and that's your wife. She'd have to be at least mildly retarded to marry a loser like you.

And it's a safe bet that your mother, from you you inherited at least one-half of your stupidity, is not too bright either.

[Dick Tator]

No, unsuccessful because your opinion has no bearing on actual facts. Yes some women are dumb, some men are dumb too. Some women are more intelligent than you even, fancy that!

There are always aberrant individuals.

[TopsyTurvy]

There are always aberrant individuals.

Yes, my time here has taught me that.

[Dick Tator]

Yes, my time here has taught me that.

So are you still living with mommy and daddy? I bet if you were a man you could take care of yourself. Maybe you can FIND a man to take care of you... :|

[TopsyTurvy]

So are you still living with mommy and daddy? I bet if you were a man you could take care of yourself. Maybe you can FIND a man to take care of you... :|

Until I get my mortgage approved yes. And possibly, at 24, owning a house worth more than yours.

I can take care of myself thanks. I don't need a man.

[Dick Tator]

And possibly, at 24, owning a house worth more than yours.

Such a juvenile insult. lol.. I could buy a real nice house here for 100k. Or I could buy a shitty house in other parts of the country for 500k. Value is subjective. Even if you spend more, that doesn't mean anything. Ask Neutrino. In another thread he was whining about a 2 bedroom apartment costing nearly 3 times per month what a 3 bedroom brick house w/garage costs per month here.

So how much of a down payment have you saved up? You can express it as a percentage of the homes value. :)

[TopsyTurvy]

Such a juvenile insult. lol.. I could buy a real nice house here for 100k. Or I could buy a shitty house in other parts of the country for 500k. Value is subjective. Even if you spend more, that doesn't mean anything. Ask Neutrino. In another thread he was whining about a 2 bedroom apartment costing nearly 3 times per month what a 3 bedroom brick house w/garage costs per month here.

So how much of a down payment have you saved up? You can express it as a percentage of the homes value. :)

Lol just replying to yours. I could put down almost 30-40%, but I'm not going to. Probably more like 10-15%.

[SivVulk]

Well... if you repeatedly stick your hand in the fire, I might come to suspect that you're stupid. Women consistently suck at math and science. Something about having a vagina makes it impossible for them to properly drive and/or park. About the only thing that a majority of women seem suited for is complaining, bitching, and shitting out babies. We used to keep you out of trouble in the kitchen but most of you couldn't even do that right. Now you want "equality" and "independence" and act like you don't belong in the kitchen, regardless of the fact that if you were independent you would need to know how to cook for survival.

Women are typically stupid and think they can do whatever they want to men but the second a man looks at them wrong they start screaming abuse and "almost raped". Personally, I think it's funny when a man responds to some woman who thinks she can do whatever and is untouchable because she has a vagina.



According to a Department of Education study, the academic edge boys once held over girls has disappeared. In fact, fourth- and eighth-grade girls now outperform their male classmates in reading and writing tests. The 2002 data also found that girls have caught up to boys in math and science.

http://cheminfo.ou.edu/~djn/diversity/ScannedRefs/Truth%20about%20math,%20science%20and%20women1.pdf



In a new study published recently in Science, Professor Janet Hyde and colleagues may have spotted the first signs of change. They used data from around 7 million US children in 10 US states from grade 2 through to grade 11, routinely gathered as part of a national assessment exercise. They wanted to find out if boys are still performing better than girls at maths.

What they found was that in marked contrast to earlier research, there was little or no difference in maths performance between girls and boys in all of the 10 states. In some states girls performed fractionally better, on average, than boys, and in other states this trend was reversed.

"There just aren't gender differences anymore in math performance," says Professor Hyde. "

http://www.spring.org.uk/2008/07/are-boys-better-than-girls-at-maths.php



In a recent survey of the literature on sex differences in maths and science, Diane Halpern, a past-president of the American Psychological Association, and colleagues found that success in maths and science careers was predicted by a complex web of factors. These included biological constraints, the cultural context and educational policies. While biology is in the mix, it's far from king of the hill.

http://www.spring.org.uk/2008/07/are-boys-better-than-girls-at-maths.php

[Dick Tator]

I could put down almost 30-40%, but I'm not going to. Probably more like 10-15%.

Well... set aside enough to cover 6 months worth of ALL your projected expenses in an emergency fund. After that, the money you have left over would be your down payment... but I really suggest waiting until you have enough for a 20% down payment. That will save you a ton on interest payments and if you someday NEED to sale the home, it ensures you won't have to make a short sale.

[Dick Tator]

In a recent survey of the literature on sex differences in maths and science, Diane Halpern, a past-president of the American Psychological Association, and colleagues found that success in maths and science careers was predicted by a complex web of factors. These included biological constraints, the cultural context and educational policies. While biology is in the mix, it's far from king of the hill.


I read a survey a few weeks ago that said apparently girls do bad at math because guys look at their tits. Sounds like an excuse to me.

[big steve]

Well... if you repeatedly stick your hand in the fire, I might come to suspect that you're stupid. Women consistently suck at math and science. Something about having a vagina makes it impossible for them to properly drive and/or park. About the only thing that a majority of women seem suited for is complaining, bitching, and shitting out babies. We used to keep you out of trouble in the kitchen but most of you couldn't even do that right. Now you want "equality" and "independence" and act like you don't belong in the kitchen, regardless of the fact that if you were independent you would need to know how to cook for survival.

Women are typically stupid and think they can do whatever they want to men but the second a man looks at them wrong they start screaming abuse and "almost raped". Personally, I think it's funny when a man responds to some woman who thinks she can do whatever and is untouchable because she has a vagina.


http://images.encyclopediadramatica.com/images/1/1a/Woman_spills_beer.gif


Are you a descendant of Gustave Le Bon? :D:D

[optimus]

http://images.encyclopediadramatica.com/images/thumb/5/5e/Gustave_Le_Bon.jpg/200px-Gustave_Le_Bon.jpg

In the most intelligent races, as among the Parisians, there are a large number of women whose brains are closer in size to those of gorillas than to the most developed male brains.
- This inferiority is so obvious that no one can contest it for a moment; only its degree is worth discussion. All psychologists who have studied the intelligence of women, as well as poets and novelists, recognize today that they represent the most inferior forms of human evolution and that they are closer to children and savages than to an adult, civilized man. They excel in fickleness, inconstancy, absence of thought and logic, and incapacity to reason. Without doubt there exist some distinguished women, very superior to the average man, but they are as exceptional as the birth of any monstrosity, as, for example, of a gorilla with two heads; consequently, we may neglect them entirely.

— Scientist Gustave Le Bon on women's small brains (1878).

Sounds just like fLop.

[Guido]

I have a feeling that Gustave Le Bon -- like Dick Tator -- got laid about once every 12 years.

[SivVulk]

So are you still living with mommy and daddy? I bet if you were a man you could take care of yourself. Maybe you can FIND a man to take care of you... :|


Until I get my mortgage approved yes. And possibly, at 24, owning a house worth more than yours.


I have a feeling that Gustave Le Bon -- like Dick Tator -- got laid about once every 12 years.



let's try to show a bit more maturity here folks

[TopsyTurvy]

Well... set aside enough to cover 6 months worth of ALL your projected expenses in an emergency fund. After that, the money you have left over would be your down payment... but I really suggest waiting until you have enough for a 20% down payment. That will save you a ton on interest payments and if you someday NEED to sale the home, it ensures you won't have to make a short sale.

I have enough for 20% on the houses I'm looking at, perhaps even more but like you said I want to keep some savings too and the more I save the better interest rate I'll get.

I'm going to see a financial advisor next week to weigh up my options.

[TopsyTurvy]

let's try to show a bit more maturity here

Yes sorry Dick, I shouldn't have said what I did.

[SivVulk]

here's more info, this time on driving records :)


TORONTO, June 8, 2007 -- Today, Kanetix (www.kanetix.ca), Canada's insurance marketplace, released results of a recent light-hearted study suggesting that based on 2006’s auto insurance shoppers at www.kanetix.ca, women are better drivers then men.

By looking at the group of auto insurance shoppers from 2006 as a whole, and breaking it down into gender sub-groups, the study clearly shows that men are more likely to have a ticket. For example:

* Men were 3 times more likely to have a ticket for speeding less than 45 km/h over the limit.
* Men were 2.8 times more likely to have a ticket for disobeying a traffic sign or signal.
* Men were 5.7 times more likely to have a ticket for not wearing their seatbelt.

As well, the study showed that for the most popular type of accident, where the driver struck an object or vehicle, Canadian drivers getting quotes in 2006 entered that they struck an object or vehicle 34,022 times. Of these accidents, women drivers accounted for only 34 per cent of the total

http://www.kanetix.ca/insurance_auto_newsbyte_women_drivers



1) According to Quality Planning* (an insurance statistics company), their study shows that male drivers are significantly more likely to cause accidents than female drivers are. Most people would agree that accidents are definite signs of being not-so-skilled behind the wheel – after all, accident-prone drivers put all other drivers at risk every time they hit the road. As popular as the stereotype of the fender-bender-causing female may be, the stats show that men have a lot more problems in that area.

2) According to the study, approximately 29% of men report having trouble keeping their attentions on the road when skimpily-attired women pass them by. Needless to say, female drivers don’t tend to have the same issue. More tellingly, men file about 16% more insurance claims during the summer than women do.

3) In an article about a New York City traffic study* that generally shows 80% of all serious pedestrian accidents were caused by male drivers, the New York Times quotes a respondent who cites motherly instincts as being a major advantage that women have over men.

4) Women Have Longer Attention Spans, Partially Due to Estrogen

5) 85% of those who live beyond the age of 100 are women. The article highlights several reasons for this; one of them involves the famously dangerous and aggressive behaviors of teenage males and guys in their twenties. The so-called “testosterone storm” that occurs during that age period surely has a significant impact on male driving habits.

6) Drinking and driving is one of the leading causes of traffic accidents and fatalities* according to MADD (Mothers Against Drunk Driving). The aforementioned NYC traffic study touches upon the fact that men are more likely to take drugs and drink before getting behind the wheel.

http://www.cheapcarinsurance.net/13-reasons-why-women-are-better-drivers-than-men/

[Dick Tator]

let's try to show a bit more maturity here folks

Ditto. I didn't complain about any insults directed my way. This is an adult website. We don't need you to be our mother.

[Dick Tator]

I have enough for 20% on the houses I'm looking at, perhaps even more but like you said I want to keep some savings too and the more I save the better interest rate I'll get.

I'm going to see a financial advisor next week to weigh up my options.

I don't know about the UK, but in America if you have less than a 20% down payment you have to pay Mortgage insurance which is included in the monthly payments. It would be cheaper to just pay the 20% than have to pay that insurance.... Some types of loans you can get a 100% loan without the insurance. I think you can do that with an Rural Investment Loan but I'm not completely sure. But I'm speaking about the US... not the UK.

[Libs.R.Entitled]

In honor of International Women's day, Target had spatulas, vaccuums, douches, and tampons all at fifty percent off. Sale goes through Sunday.

[Libs.R.Entitled]

Until I get my mortgage approved yes. And possibly, at 24, owning a house worth more than yours.

I can take care of myself thanks. I don't need a man.

Gotta be a lefty-living with mom and dad at 24-lettin them pay your down payment for you-typical. No pride.

[Dick Tator]

Gotta be a lefty-living with mom and dad at 24-lettin them pay your down payment for you-typical. No pride.

I think if a person is unable to pay rent for a year, they would be REALLY unable to pay for a mortgage, but that's just me.

[TopsyTurvy]

Gotta be a lefty-living with mom and dad at 24-lettin them pay your down payment for you-typical. No pride.

I'm paying my down payment, you fail.

[TopsyTurvy]

I think if a person is unable to pay rent for a year, they would be REALLY unable to pay for a mortgage, but that's just me.

There's a difference between being unable to and not needing to.

[Dreamy]

Tops,good luck with your new house. You must be working now because there is no way a bank will give a mortgage without a job being part of the picture unless you are not borrowing money but paying for it all.

[big steve]

Tops,good luck with your new house. You must be working now because there is no way a bank will give a mortgage without a job being part of the picture unless you are not borrowing money but paying for it all.

+1 :)

[Dick Tator]

Tops,good luck with your new house. You must be working now because there is no way a bank will give a mortgage without a job being part of the picture unless you are not borrowing money but paying for it all.

She, like you, will always have a job as long as she has a vagina. :p

[Dreamy]

She, like you, will always have a job as long as she has a vagina. :p

haha You know that you can't push my vagina buttons Dick.:p

I am quite aware of POP. By the way,my vagina doesn't do "squat" when I am working.

[Dick Tator]

By the way,my vagina doesn't do "squat" when I am working.

Anal whore... And blowjobs for a dollar! :nice:

[Dreamy]

Anal whore... And blowjobs for a dollar! :nice:

lol You're a nut. I am paid well to post in between jobs.:nice:

[TopsyTurvy]

Tops,good luck with your new house. You must be working now because there is no way a bank will give a mortgage without a job being part of the picture unless you are not borrowing money but paying for it all.

Correct.

[86Dùde]

This thread makes me want to buy feminine hygiene products and cry or something.

[TopsyTurvy]

1ANw-BHkWj4

[big steve]

All commercials on TV should have to totally demonstrate the use of the product! We could maybe get rid of some of them such as Prep H, feminine products etc, or we could just enjoy the show! :D

[NJ Refugee]

All commercials on TV should have to totally demonstrate the use of the product! We could maybe get rid of some of them such as Prep H, feminine products etc, or we could just enjoy the show! :D

Condom Commercials ?

[big steve]

Condom Commercials ?

Yes, all of those kind of commercials. Get them all on in detail or get them off! Of course, they won't put them on because of kids and decency, so it would make them get them off! Off course, money talks!:eek:

[Cd.]

So intelligence is based on brain size now is it?

Males are so concerned with size, arn't they?;)

[Cd.]

Well... if you repeatedly stick your hand in the fire, I might come to suspect that you're stupid. Women consistently suck at math and science. Something about having a vagina makes it impossible for them to properly drive and/or park. About the only thing that a majority of women seem suited for is complaining, bitching, and shitting out babies. We used to keep you out of trouble in the kitchen but most of you couldn't even do that right. Now you want "equality" and "independence" and act like you don't belong in the kitchen, regardless of the fact that if you were independent you would need to know how to cook for survival.

Women are typically stupid and think they can do whatever they want to men but the second a man looks at them wrong they start screaming abuse and "almost raped". Personally, I think it's funny when a man responds to some woman who thinks she can do whatever and is untouchable because she has a vagina.

http://images.encyclopediadramatica.com/images/1/1a/Woman_spills_beer.gif


Unsuccessful troll is unsuccessful.

:corn:

[SivVulk]

in case you missed it, this is a very informative video and as an added bonus features Daniel Craig in drag :eek::p

dIjiqeUx4fk

[Shandril105]

*inhales*

Gosh, I love the smell of Misogyny in the morning. :|

[Dick Tator]

*inhales*

Gosh, I love the smell of Misogyny in the morning. :|

It's quite freshing, actually, when our entire society is based on Misandry. :hmm:

[Shandril105]

Entire society? Bit of a reach dontcha think?

[big steve]

*inhales*

Gosh, I love the smell of Misogyny in the morning. :|

Is that the little thingy that kinda smells like fish? :confused::D

[NJ Refugee]

Just an aside,

Dick, where did you get that video clip ? The one of the bikini twit getting dropped for throwing her drink in some guys face ...

I love it.

Need to show it to family members who don't seem to 'get' the idea that for a woman to receive the protection of chivalrous behavior, she needs to act in such a way that deserves it. If, OTOH, she challenges a man, she should expect him to defend himself ...

[Shandril105]

Just an aside,

Dick, where did you get that video clip ? The one of the bikini twit getting dropped for throwing her drink in some guys face ...

I love it.

Need to show it to family members who don't seem to 'get' the idea that for a woman to receive the protection of chivalrous behavior, she needs to act in such a way that deserves it. If, OTOH, she challenges a man, she should expect him to defend himself ...

Very very true. Equality is a double edged sword and women should realize they can't eat their cake and have it too. If the guys can't any longer, why should we be so special?

[Libs.R.Entitled]

I'm paying my down payment, you fail.

At your parents' expense. You are a child. Or at least your parents treat you like one, and you reciprocate. I'm a bit surprised that your father goes along with your plan to fleece them in order to save for a down payment. Liberals adopt their behaviors and views in order to piss daddy off. Most responsible fathers would kick you in the ass for your laziness, and would, in fact, be pissed off. What gives?

[TopsyTurvy]

At your parents' expense. You are a child. Or at least your parents treat you like one, and you reciprocate. I'm a bit surprised that your father goes along with your plan to fleece them in order to save for a down payment. Liberals adopt their behaviors and views in order to piss daddy off. Most responsible fathers would kick you in the ass for your laziness, and would, in fact, be pissed off. What gives?

What part of "I'm paying my down payment" are you having trouble with?

For all your whining and cheap, petty insults I thought you had a grasp of basic English, guess not.

[Libs.R.Entitled]

She, like you, will always have a job as long as she has a vagina. :p

Oh.... Topsy is a girl.... my mistake. The distinction between males and females amongst lefties is virtually imperceptible, as they are all pretty squishy. Are all lefties, regardless of biology, daddy's little girl, so much so that they can parasitize off their parents well into adulthood in order to improve their own situation? Isn't that liberalism in a shot glass? Taking from those with money to benefit those that do not want to do for themselves?

[Libs.R.Entitled]

What part of "I'm paying my down payment" are you having trouble with?

For all your whining and cheap, petty insults I thought you had a grasp of basic English, guess not.

What part of this economic equation are you not gettin? You are "paying your down payment" by having your parents pay other costs of living for you. If you were a teeneager, I could understand your insistence that you were paying your down payment. But you are an adult, right? Just one that lives off mommy and daddy, thats all. And thats fine. but you should give your parent's some credit. It is through their sacrifice that you can pat yourself on the back for this down payment.

[TopsyTurvy]

Oh.... Topsy is a girl.... my mistake. The distinction between males and females amongst lefties is virtually imperceptible, as they are all pretty squishy. Are all lefties, regardless of biology, daddy's little girl, so much so that they can parasitize off their parents well into adulthood in order to improve their own situation? Isn't that liberalism in a shot glass? Taking from those with money to benefit those that do not want to do for themselves?

It is a shame you have absolutely no idea about my life, otherwise sweeping generalisations like that might have substance. As it is you might as well be talking out of your sphincter, which, I'm sure people are used to on here.

[TopsyTurvy]

What part of this economic equation are you not gettin? You are "paying your down payment" by having your parents pay other costs of living for you.

No, I'm not. Another fail.


If you were a teeneager, I could understand your insistence that you were paying your down payment. But you are an adult, right? Just one that lives off mommy and daddy, thats all.

Wrong again, yet another fail.


And thats fine. but you should give your parent's some credit. It is through their sacrifice that you can pat yourself on the back for this down payment.

I do give them credit, on the other hand it's kind of hard to give you any.

[Libs.R.Entitled]

Hey- if you are paying them fair market rent, utilities, and food expenses-then I am being unfair and I apologize. Also, if you are a teenager, I apologize. I am operating under the assumption that you are an adult, living under mommy and daddy's roof at expense to them, saving the money that most adults would otherwise be spending on rent, food and utilities in order to buy a house. And if that is the case, then i am right about it really being mommy and daddy paying that 20%. Ticks do have to seek out a host to live on, but is it really the tick makin the sacrifice?

[TopsyTurvy]

There's a reason 'assumption' has 'ass' in it.

[Libs.R.Entitled]

There's a reason 'assumption' has 'ass' in it.

There's also a reason we expect adults to provide for themselves.

I can't help but notice that you refuse to give any details into this arrangement you have with mummy and daddy. If you are paying them fair market rent, utilities, and food expenses, essentially turning mummy and daddy into landlords, why not simply say so? In any event, there's nothing wrong with living off your parents, if that is what you are doing. There is, however, something fundamentally dishonest about claiming to pull your own weight if others are actually doing the lifting for you.

So lets hear about this non-parasitic relationship...

[Shandril105]

Since when is anyone here required to give out the details of their personal life LRE? You're just baiting at this point.

[TopsyTurvy]

There's also a reason we expect adults to provide for themselves.

I can't help but notice that you refuse to give any details into this arrangement you have with mummy and daddy. If you are paying them fair market rent, utilities, and food expenses, essentially turning mummy and daddy into landlords, why not simply say so? In any event, there's nothing wrong with living off your parents, if that is what you are doing. There is, however, something fundamentally dishonest about claiming to pull your own weight if others are actually doing the lifting for you.

So lets hear about this non-parasitic relationship...

Because my personal circumstances are none of your fucking business, but to shut your pie hole I'll divulge.

Yes I pay my way, yes I help with my share of the bills and groceries, yes I cook, clean, iron and otherwise help with the running of the house, yes it's still none of your business.

[Shandril105]

Because my personal circumstances are none of your fucking business, but to shut your pie hole I'll divulge.

Yes I pay my way, yes I help with my share of the bills and groceries, yes I cook, clean, iron and otherwise help with the running of the house, yes it's still none of your business.


And there is nothing wrong with that. You live in a country where the cost of living is one of the highest in the world. What you did is smart. And this is what I will invite my children to do as well. So long as they are contributing to my household and going to college, they are welcome to stay with me and their dad, rent free, to save up for homes of their own. Something my own father offered to me, and I would have taken him up on if I hadnt met someone and fallen in love and decided to skip college.

Nowadays you gotta do what you gotta do to make sure your kids get the best possible start in this life.

[Libs.R.Entitled]

Since when is anyone here required to give out the details of their personal life LRE? You're just baiting at this point.

Noone is required to do anything here, sweet cheeks. But she has asserted that she is living with her parents and about to pay her own mortgage. Which in itself has a natural inconsistency in it, unless the shelter,electricity, and food she is consuming is being paid for. She is a committed lefty, and I don't expect clarity or a sense of personal responsibility to be well-formed in her. Which leads me to wonder...is she truly paying her down payment, or is she merely living off the largesse of others to improve her own lot?

[Shandril105]

Noone is required to do anything here, sweet cheeks. But she has asserted that she is living with her parents and about to pay her own mortgage. Which in itself has a natural inconsistency in it, unless the shelter,electricity, and food she is consuming is being paid for. She is a committed lefty, and I don't expect clarity or a sense of personal responsibility to be well-formed in her. Which leads me to wonder...is she truly paying her down payment, or is she merely living off the largesse of others to improve her own lot?

What, you think because she lives at home that she lacks a job? I worked and lived at home before I moved out. I saved, put furniture on layaway, went to school and whatnot before I moved out too. Had a nice bit of savings so I could put money down on utilities too. Actually what she did was smarter than what I did, that's for sure. Heck, if it wasn't for a car accident settlement we used to put down on a house, we'd likely only just now be able to afford one.

[Libs.R.Entitled]

Because my personal circumstances are none of your fucking business, but to shut your pie hole I'll divulge.

Yes I pay my way, yes I help with my share of the bills and groceries, yes I cook, clean, iron and otherwise help with the running of the house, yes it's still none of your business.

So....that includes the main bill associated with housing expenses, right? Rent, that is? If so, then you are paying your way. If not, well, I've already spelled it out for you enough.

[TopsyTurvy]

Noone is required to do anything here, sweet cheeks. But she has asserted that she is living with her parents and about to pay her own mortgage.

No, I said I was looking at houses, going to get financial advice and see what deposit would be best for my situation.


Which in itself has a natural inconsistency in it, unless the shelter,electricity, and food she is consuming is being paid for.

It would, if what you said previously was correct. And it is being paid for.


She is a committed lefty, and I don't expect clarity or a sense of personal responsibility to be well-formed in her. Which leads me to wonder...is she truly paying her down payment, or is she merely living off the largesse of others to improve her own lot?

What do my political preferences have to do with anything? The way you're talking (if you have kids) I'm expecting you to give them a bill when they leave home for all the expense they cost you while they were children.

But all your assumptions have been wrong so far so just accept it and tone down the half arsed put downs.

[TopsyTurvy]

So....that includes the main bill associated with housing expenses, right? Rent, that is?

Yes.

[Libs.R.Entitled]

What, you think because she lives at home that she lacks a job? I worked and lived at home before I moved out. I saved, put furniture on layaway, went to school and whatnot before I moved out too. Had a nice bit of savings so I could put money down on utilities too. Actually what she did was smarter than what I did, that's for sure. Heck, if it wasn't for a car accident settlement we used to put down on a house, we'd likely only just now be able to afford one.

She's already stated she has a job. What I do think is that it is a bit dishonest to proclaim that one's savings are the result of their own effort when someone else is footing much of the bill for your existence.

[Libs.R.Entitled]

Yes.

So why so defensive?

[TopsyTurvy]

She's already stated she has a job. What I do think is that it is a bit dishonest to proclaim that one's savings are the result of their own effort when someone else is footing much of the bill for your existence.

Then hopefully you will have realised that isn't what's happening.

I hope I don't have to use your "I've already spelled it out for you enough." line at you.

[optimus]

So why so defensive?

Low quality troll is low quality.

[TopsyTurvy]

So why so defensive?

Defensive? Are you kidding me? You made unsubstantial assumptions about me and expect me to just shrug it off and not correct you? I don't think so.

[Libs.R.Entitled]

No, I said I was looking at houses, going to get financial advice and see what deposit would be best for my situation.



It would, if what you said previously was correct. And it is being paid for.



What do my political preferences have to do with anything? The way you're talking (if you have kids) I'm expecting you to give them a bill when they leave home for all the expense they cost you while they were children.But all your assumptions have been wrong so far so just accept it and tone down the half arsed put downs.

I assume by "half-arsed put downs" you mean ones like the above-bolded. Better watch it-Siv Vulk may give you an infraction.

Expenses associated with being a child are rightfully borne by the parents. Expenses associated with being an adult are rightfully borne by that adult.

[optimus]

Just an aside,

Dick, where did you get that video clip ? The one of the bikini twit getting dropped for throwing her drink in some guys face ...

I love it.

Need to show it to family members who don't seem to 'get' the idea that for a woman to receive the protection of chivalrous behavior, she needs to act in such a way that deserves it. If, OTOH, she challenges a man, she should expect him to defend himself ...

Of course, a pussy like yourself would think that getting a drink thrown in the face deserves a DROPKICK to the fucking concrete. Of course you "love it," I wouldn't be surprised if you've done that yourself to a girl -- probably much worse. Pussy.

[optimus]

I have a feeling that Gustave Le Bon -- like Dick Tator -- got laid about once every 12 years.

ROFL...exactly. IF he can actually find a girl who will take his money for it, and that's a big IF.

[optimus]

This thread makes me want to buy feminine hygiene products and cry or something.

In other words, just another day for you.

[TopsyTurvy]

I assume by "half-arsed put downs" you mean ones like the above-bolded. Better watch it-Siv Vulk may give you an infraction.

Actually no I was referring to these.


The distinction between males and females amongst lefties is virtually imperceptible, as they are all pretty squishy.


Are all lefties, regardless of biology, daddy's little girl, so much so that they can parasitize off their parents well into adulthood in order to improve their own situation?


Ticks do have to seek out a host to live on, but is it really the tick makin the sacrifice?



Expenses associated with being a child are rightfully borne by the parents. Expenses associated with being an adult are rightfully borne by that adult.

So you would rather, once your kids turn 18, they left home, rented somewhere and maybe saved enough to afford their own home in 10 years or let them stay, save more and own their own home in 5 years?

[Libs.R.Entitled]

Defensive? Are you kidding me? You made unsubstantial assumptions about me and expect me to just shrug it off and not correct you? I don't think so.

Well, in response to this: "I think if a person is unable to pay rent for a year, they would be REALLY unable to pay for a mortgage, but that's just me" You replied: "There's a difference between being unable to and not needing to." Which sure sounds a lot like you are not paying your parents fair market rent. And then it took you a dozen or so additional responses to correct the inaccurate basis.

Either that, or you are changing your tune to appear more like an adult.

[TopsyTurvy]

Well, in response to this: "I think if a person is unable to pay rent for a year, they would be REALLY unable to pay for a mortgage, but that's just me" You replied: "There's a difference between being unable to and not needing to." Which sure sounds a lot like you are not paying your parents fair market rent. And then it took you a dozen or so additional responses to correct the inaccurate basis.

Either that, or you are changing your tune to appear more like an adult.

Fair market rent? They have a mortgage, it's their house, I pay towards it but what exactly is 'fair market rent' to you?

And not needing to means I'm lucky enough that my parents are pretty well off and don't need me to pay more than I do. I'm sorry for not forcing them to accept money they don't need.

[Shandril105]

She's already stated she has a job. What I do think is that it is a bit dishonest to proclaim that one's savings are the result of their own effort when someone else is footing much of the bill for your existence.

So her saving the wages, she earned as well as contributing to the household she is living in monetarily is disingenuous? What has she lied about? She has made no bones about how she has gone about it and that her family is perfectly all right with it. Its what every kiid does until they are 18 anyways. So it lasted until she a little older. BFD. You guys are the ones who keeps throwing a perfectly normal situation in her face. Would it have been better for her family to have kicked her out at 18 instead, fending for herself and given no help? Heck most parents who kids go to college still help them out one way or another if they stay at home or go to dorm. The ones who tell you they do everything "all on their own" are either lying or are in a very small minority.

[Libs.R.Entitled]

Actually no I was referring to these.










So you would rather, once your kids turn 18, they left home, rented somewhere and maybe saved enough to afford their own home in 10 years or let them stay, save more and own their own home in 5 years?

If you think all of the above were insults, you have real problems.

If you are paying fair market rent and your other living expenses, why live at home? What is the economic benefit to you of living with your parents? Something does not smell right.

As to your query about "letting my adult kids live with me for less than fair market rent (by which I assume you mean rent-free) in order to save money for a home faster than if they paid those expenses themselves, it seems about the same as simply giving them the money. Which is fine. Thats a great thing about the resources a family has opposed to individuals. But in such a situation I would expect my kid to have a real firm understanding of where that funding originated.

[TopsyTurvy]

What the fuck is this 'fair market rent' bullshit?

[Shandril105]

What the fuck is this 'fair market rent' bullshit?

Probably the average going rate for rentals in your area

[Libs.R.Entitled]

Fair market rent? They have a mortgage, it's their house, I pay towards it but what exactly is 'fair market rent' to you?

And not needing to means I'm lucky enough that my parents are pretty well off and don't need me to pay more than I do. I'm sorry for not forcing them to accept money they don't need.

So, you are indeed living off your parents. Thats fine-just don't pretend otherwise and expect not to get called on it. My guess is that you are choosing a living situation that most your age do everything they can to escape BECAUSE IT COSTS YOU LESS THAN IT WOULD TO PAY YOUR OWN WAY. Which is fine, Topsy. But that 20% you have saved? How much would you have were it not for your parents housing you? When you can answer that question honestly-then you have an idea of how much you have saved, and how much of your piggy-bank was filled by them. Lets suppose the answer to that is that you really only contributed about 25% to your savings. Good for you- you were blessed with generous parents. You are making a smart decision to improve your own situation. In the long run, it helps them too, as hopefully you won't again be back with your hands outstretched, palms up. There is nothing wrong about your arrangement- I have similarly benefitted greatly from parental generosity.

[TopsyTurvy]

Probably the average going rate for rentals in your area

Yeah that's what I thought, yet I don't know of one single parent that charges or expects their own children to pay that amount, well I do. Libs.R.Entitled.

[Shandril105]

Dont let them get to you Tops. If you had moved out, likely you would never would have been able to save up enough money for a down payment on a house as all of your money would have gone to living expenses, or you would have had to live in a hovel somewhere, like I first did. It was worth i when I was with someone I loved very much, but would never have chosen to do so otherwise. As it was I would never have been able to save enough to buy a house at that point. A monetary swettlement saved our butts there. We watched our friends rent for a very long time trying to get enough money up to buy a house, which even then they had no get a no money down loan in order to buy one. They just couldn' save the money as they had moved out very young making shit money like hubby and I did.

And besides, better to pay the money to your folks than to a faceless landlord who doesn't give two shits about you anyway. Either way, you are still paying somebody. Better to keep it within the family.

[Libs.R.Entitled]

Probably the average going rate for rentals in your area

More accurately, what Topsy's parents reasonably expect another individual to pay for the benefits they are extending to Topsy by way of their living arrangement, if the arrangement was negotiated at arm's length, and not amongst family members.

[Libs.R.Entitled]

Yeah that's what I thought, yet I don't know of one single parent that charges or expects their own children to pay that amount, well I do. Libs.R.Entitled.

I guess we all make assumptions now, don't we?

[Libs.R.Entitled]

Dont let them get to you Tops. If you had moved out, likely you would never would have been able to save up enough money for a down payment on a house as all of your money would have gone to living expenses, or you would have had to live in a hovel somewhere, like I first did. It was worth i when I was with someone I loved very much, but would never have chosen to do so otherwise. As it was I would never have been able to save enough to buy a house at that point. A monetary swettlement saved our butts there. We watched our friends rent for a very long time trying to get enough money up to buy a house, which even then they had no get a no money down loan in order to buy one. They just couldn' save the money as they had moved out very young making shit money like hubby and I did.

And besides, better to pay the money to your folks than to a facelass landlord who doesn't give two shits about you anyway. Either way, you are still paying somebody. Better to keep it within the family.

SOunds like you and I have been on the same page all along, Shandril.:nice:

[TopsyTurvy]

So, you are indeed living off your parents. Thats fine-just don't pretend otherwise and expect not to get called on it. My guess is that you are choosing a living situation that most your age do everything they can to escape BECAUSE IT COSTS YOU LESS THAN IT WOULD TO PAY YOUR OWN WAY.

Almost everyone on the planet lives off others, even you. Unless you do all your own laundry, ironing, grocery shopping, cooking and cleaning.


Which is fine, Topsy. But that 20% you have saved? How much would you have were it not for your parents housing you?

Practically all of it.


When you can answer that question honestly-then you have an idea of how much you have saved, and how much of your piggy-bank was filled by them. Lets suppose the answer to that is that you really only contributed about 25% to your savings. Good for you- you were blessed with generous parents.

Actually they contributed less than 5%.

[TopsyTurvy]

More accurately, what Topsy's parents reasonably expect another individual to pay for the benefits they are extending to Topsy by way of their living arrangement, if the arrangement was negotiated at arm's length, and not amongst family members.

Their daughter isn't 'another individual' and I'm sorry but when I have kids I won't expect them to fend for themselves and think of them as 'parasites' (like you said) while I help them out a little.

[Shandril105]

SOunds like you and I have been on the same page all along, Shandril.:nice:

So then are you applauding her or condemning her? Giving her shit for a smart move or secret happy for her. Or just baiting for the sheer hell of it.:eek7:

[Shandril105]

Their daughter isn't 'another individual' and I'm sorry but when I have kids I won't expect them to fend for themselves and think of them as 'parasites' (like you said) while I help them out a little.


Children are not parasites, they are your immortal legacy.:nice:

[TopsyTurvy]

I guess we all make assumptions now, don't we?

So you wouldn't charge your kids 'fair market rent' but you're having a go at me because I don't?

Look, I put £300 ($500) a month towards running this house, as well as housework etc. If that makes me a parasite so be it.

[Libs.R.Entitled]

Almost everyone on the planet lives off others, even you. Unless you do all your own laundry, ironing, grocery shopping, cooking and cleaning.



Practically all of it.



Actually they contributed less than 5%.

As an adult, I do my own laundry, iron my shirts or take them to a dry cleaner (which costs me $), I go to the grocery store at least once a week, and if I don't clean, my house gets dirty. In short, I pay my own way.

And if you would have saved 95% of what you currently had were you not living under your parents roof and were paying all of your own living expenses, then your parents are charging you fair market rent. So in answer to the question you posed about whose parents would charge their kid fair market value to live with them, it sounds like the answer is....yours. I'd either let my kid stay for free, or give him the money he needs.

[Libs.R.Entitled]

So then are you applauding her or condemning her? Giving her shit for a smart move or secret happy for her. Or just baiting for the sheer hell of it.:eek7:

Just assessing her honesty-which is wavering.

[Libs.R.Entitled]

Their daughter isn't 'another individual' and I'm sorry but when I have kids I won't expect them to fend for themselves and think of them as 'parasites' (like you said) while I help them out a little.

But given that you are not benefitting economically to any significant degree by living with your parents, it seems as though they hold expectations you find repugnant.

[TopsyTurvy]

I'm done here, not gonna talk to someone who questions my honesty.

Good day.

[Lulu]

Or just baiting for the sheer hell of it.:eek7:

That is what Libs R Entitled does 99.9% of the time. Hell just check out his name. :p He/she seems strangely interested in other people's personal affairs. If parents help their children at some points to help them get ahead, then great because that's one of the things they can do... not should but CAN do. Not sure what the Libs is worked into such a tizzy over this.

[Libs.R.Entitled]

So you wouldn't charge your kids 'fair market rent' but you're having a go at me because I don't?

Look, I put £300 ($500) a month towards running this house, as well as housework etc. If that makes me a parasite so be it.

I used to live in Tucson, where living is extremely cheap. Even so, my household expenses for a modest apartment, utilities, and food ran me nearly a thousand bucks a month. Its either very cheap where you live, or your parent's are givin you a screamin deal.

[Lulu]

This thread makes me want to buy feminine hygiene products and cry or something.

You could always go to one of those men's camps where they talk about their feelings and cry it out in the woods.

[TopsyTurvy]

I used to live in Tucson, where living is extremely cheap. Even so, my household expenses for a modest apartment, utilities, and food ran me nearly a thousand bucks a month. Its either very cheap where you live, or your parent's are givin you a screamin deal.

Considering my brother pays a similar amount, not really.

See what I mean about not knowing about my circumstances?

[Libs.R.Entitled]

That is what Libs R Entitled does 99.9% of the time. Hell just check out his name. :p He/she seems strangely interested in other people's personal affairs. If parents help their children at some points to help them get ahead, then great because that's one of the things they can do... not should but CAN do. Not sure what the Libs is worked into such a tizzy over this.

I agree 100%. However, by Topsy's own admission her parents are not really helping her. Perhaps she is living with them because they need her help. Clearly the purpose of living with them is not to save money, as her living arrangements with her parent's have not significantly benefitted her economically. Indeed, she would have saved almost as much if she did not live with her parents.

That is, assuming her statements have all been above-board.

[Lulu]

I used to live in Tucson, where living is extremely cheap. Even so, my household expenses for a modest apartment, utilities, and food ran me nearly a thousand bucks a month. Its either very cheap where you live, or your parent's are givin you a screamin deal.

I don't know of any parents who would treat their child like a renter off the streets. Generally, especially if the parents have been even moderately successful, they cut their child a few breaks so they can get ahead, save money and get a head start in life so yeah they give them "a screamin deal". I'd be more concerned if a parent charged them X% of utilities, X% for food etc.

[Shandril105]

I agree 100%. However, by Topsy's own admission her parents are not really helping her. Perhaps she is living with them because they need her help. Clearly the purpose of living with them is not to save money, as her living arrangements with her parent's have not significantly benefitted her economically. Indeed, she would have saved almost as much if she did not live with her parents.

That is, assuming her statements have all been above-board.

LRE, what does she gain from lying. She's got no reason to.

And given cost comparison, all things being equal, I'd take living at my folks place vs. living in some rat-trap apt. any day of the week.

[Libs.R.Entitled]

Considering my brother pays a similar amount, not really.

See what I mean about not knowing about my circumstances?

Hey, if you live in an area where monthly living expenses can be covered for 500$ a month-more power to you. But in such a case your parents' generosity is overstated, as you are paying them roughly the same that you would have if living on your own. They wear two hats in relation to you. One as parents, and one as landlords.

But you seemed to take issue with any parent that would do such a thing to their child, insinuating that I am the only person you know that would consider such a thing. truth is, i would do for my kid what my parents have done for me- pay the down payment for his home outright.

[Libs.R.Entitled]

I don't know of any parents who would treat their child like a renter off the streets. Generally, especially if the parents have been even moderately successful, they cut their child a few breaks so they can get ahead, save money and get a head start in life so yeah they give them "a screamin deal". I'd be more concerned if a parent charged them X% of utilities, X% for food etc.

What Topsy has is sort of an all-living-expenses included arrangement. For which she pays 500$ a month.

Also, she has saved enough for about a 20% down payment on a house. Very little of that money-by her estimations only about 5%-are attributable the living arrangements she has with her parents. So she really isn't saving any money by living with her parents- as she would have nearly the same amount were she paying all of her expenses to a different landlord.

The concerns you have expressed about parenting seem like they should be directed at Topsy, as it sounds like her parents have not really cut her the kind of break one generally associates with living at home arrangments.

by the way, Topsy, where do you live? If 500 a month covers living expenses, I'm going to retire there tomorrow.

[Libs.R.Entitled]

LRE, what does she gain from lying. She's got no reason to.

And given cost comparison, all things being equal, I'd take living at my folks place vs. living in some rat-trap apt. any day of the week.

Are you 24?

[Lulu]

by the way, Topsy, where do you live? If 500 a month covers living expenses, I'm going to retire there tomorrow.

I doubt her parents would take in some angry weirdo from the internet. Good try though. ;)

[Libs.R.Entitled]

LRE, what does she gain from lying. She's got no reason to.

And given cost comparison, all things being equal, I'd take living at my folks place vs. living in some rat-trap apt. any day of the week.

If Topsy's postings on this subject don't have a bad whiff to you, Shandril, you must have clogged sinuses.

She condems the act of charging fair market rent as something only a miser-like me-would do. And then goes on to accuse her parents of doing that very thing.

Here is what i think. Topsy is receiving tremendous economic benefit from her living arrangements. Moving in with her parents is the easiest way for her to save money for that house she wants. Its a lot cheaper and more comfortable than living on her own. All of which is fine. Such arrangements with my folks have helped me out tremendously in life.

[Libs.R.Entitled]

I doubt her parents would take in some angry weirdo from the internet. Good try though. ;)

You never know. I have mad culinary skills, I'm quiet, and I'm clean.

But I'd rather live on my own, which is apparently extremely cheap there-like damn near third-world cheap.

[big steve]

You could always go to one of those men's camps where they talk about their feelings and cry it out in the woods.

Now that's funny, I don't care who said it! :D:D

[TopsyTurvy]

Here is what i think.

Think what you like, unless you know my exact circumstances what you think means less than fuck all to me.

[big steve]

I agree 100%. However, by Topsy's own admission her parents are not really helping her. Perhaps she is living with them because they need her help. Clearly the purpose of living with them is not to save money, as her living arrangements with her parent's have not significantly benefitted her economically. Indeed, she would have saved almost as much if she did not live with her parents.

That is, assuming her statements have all been above-board.
-------
Hey, lay off Topsy! I don't agree with her politics, but she's a straight shooter! If I had an adult child living at home, and she paid me $500 a month, I would be happy, and her expenses would be met.

If you pay as much as you say you do a month for food, you must be a bigger eater than I am! So, back off because you are wrong here, and you are beating a dead horse anyway! Best regards. :)

[Libs.R.Entitled]

Think what you like, unless you know my exact circumstances what you think means less than fuck all to me.

I can understand your anger. Most people expect to catch a break when they move in with mommy and daddy.

But I really am curious. Clearly, you did not move back in with your parents to save money. And it does not seem like they need you there for much longer, as you are looking to buy a house. So if its not to save money and its not to help out your parents, why would a 24 year old woman want to live with her parents?

[Sparkly Mary]

I <3 Big Steve

[TopsyTurvy]

I can understand your anger. Most people expect to catch a break when they move in with mommy and daddy.

But I really am curious. Clearly, you did not move back in with your parents to save money. And it does not seem like they need you there for much longer, as you are looking to buy a house. So if its not to save money and its not to help out your parents, why would a 24 year old woman want to live with her parents?

I'm really curious too, why are my life and circumstances so important to you?

I moved back home because after I split from my ex I had to move out of his house (which I'd helped pay for). Then a month after I did move back my mum developed health issues so I've stayed to help her out. With my dad working away quite a lot I'm happy to do that.

My mum is retiring next year and has said when she gives up work she won't need me to help her out as much so that's why I've decided to look into buying my own home.

I hope that's OK with you.

[Libs.R.Entitled]

I'm really curious too, why are my life and circumstances so important to you?

I moved back home because after I split from my ex I had to move out of his house (which I'd helped pay for). Then a month after I did move back my mum developed health issues so I've stayed to help her out. With my dad working away quite a lot I'm happy to do that.

My mum is retiring next year and has said when she gives up work she won't need me to help her out as much so that's why I've decided to look into buying my own home.

I hope that's OK with you.

Thats very nice of you.

[Shandril105]

Are you 24?

I am 35.

[Shandril105]

You never know. I have mad culinary skills, I'm quiet, and I'm clean.

But I'd rather live on my own, which is apparently extremely cheap there-like damn near third-world cheap.

Mad culinary skills are a valuable commodity nowadays! :nice:

[Dick Tator]

lol... this is funny.

I think what Libs is saying is that Toptimus should be thankful her parents are helping her by letting her stay with them for cheap. Their generosity and sacrifice has helped her save money for a down payment. With that argument, it is reasonable to state that her parents have also helped make sacrifices so that she can get a home. You would think that she would be more appreciative and acknowledge their generosity and sacrifice instead of insisting she's paid for it all by herself. If they hadn't helped her, she wouldn't have saved up as much as she has.

But instead of sounding appreciative, she sounds like she thinks it's their JOB to help. "What horrible parent wouldn't help their children?" She sounds... well.. like a typical liberal who thinks they are entitled to someone else's time, money, and/or property.

Carry on!

Addition: before I was banned, Topsy said that her parents paid the bills as they were THEIR bills and would have had them regardless of whether she was there or not. I'm curious when this changed and she started paying for the water and electricity she consumed.

[TopsyTurvy]

lol... this is funny.

I think what Libs is saying is that Toptimus should be thankful her parents are helping her by letting her stay with them for cheap. Their generosity and sacrifice has helped her save money for a down payment. With that argument, it is reasonable to state that her parents have also helped make sacrifices so that she can get a home. You would think that she would be more appreciative and acknowledge their generosity and sacrifice instead of insisting she's paid for it all by herself. If they hadn't helped her, she wouldn't have saved up as much as she has.

Firstly, I am thankful and appreciative as are they for me helping out.

Secondly, paid for all what myself? I've never said I pay for 'all' of anything.

Thirdly, my living arrangements have had no bearing on my savings.


But instead of sounding appreciative, she sounds like she thinks it's their JOB to help. "What horrible parent wouldn't help their children?" She sounds... well.. like a typical liberal who thinks they are entitled to someone else's time, money, and/or property.

Well you obviously have reading issues, I've never said that nor that I'm entitled to anything.


Addition: before I was banned, Topsy said that her parents paid the bills as they were THEIR bills and would have had them regardless of whether she was there or not. I'm curious when this changed and she started paying for the water and electricity she consumed.

In case it's too much of a stretch for you to work out, it was after you were banned but before you came back.

Seems so obvious doesn't it?

[optimus]

Love how the right wing nujobs INSIST on making this thread about Topsy, and dragging it out as long as possible. All of you guys are one trick ponies.

[Dick Tator]

Thirdly, my living arrangements have had no bearing on my savings.

And you wonder why we don't take you seriously. :|

[Dick Tator]

Love how the right wing nujobs INSIST on making this thread about Topsy, and dragging it out as long as possible. All of you guys are one trick ponies.

I blame George Bush, but don't worry... given 20 or 30 years, Obama will be able to fix it. :rolleyes:

[TopsyTurvy]

And you wonder why we don't take you seriously. :|

Tell me then, where did I get my savings?

[Dick Tator]

Tell me then, where did I get my savings?

By saving money you earned, I hope. Now tell me, how much less would you have saved if you didn't live with your parents?

[TopsyTurvy]

By saving money you earned, I hope.

Presume you mean.


Now tell me, how much less would you have saved if you didn't live with your parents?

One sec, let me get in my time machine and re-live the last couple of years. I'll get back to you last month.

[big steve]

By saving money you earned, I hope. Now tell me, how much less would you have saved if you didn't live with your parents?

It seems like she helped her parents some by being there, and they were glad to have her. Obviously, it helped her save quicker. So what? Just part of a good life! :)

[Dick Tator]

Presume you mean.

No, I presume you made it taking what others have earned. I hope you made it yourself.


One sec, let me get in my time machine and re-live the last couple of years. I'll get back to you last month.

You're desperate to keep from admitting that they helped you save any money aren't you? There's no shame in them helping. Indeed, the only shameful thing is that you won't give them credit where credit is due. I guess we can break it down real easy... How much do you give your parents per month? How much would you have to spend per month if you didn't live with your parents?

[Dreamy]

lol I hate special days like "Women's Day" and "Valentine's day". I am special 365 days. :nice:

[Dick Tator]

Obviously, it helped her save quicker. So what?

Didn't say it was a bad thing and of course it's obvious it helped her save quicker. Yet she continues to deny that it has. I refer you to the following quote:


my living arrangements have had no bearing on my savings.

[TopsyTurvy]

No, I presume you made it taking what others have earned. I hope you made it yourself.

Some of it.


You're desperate to keep from admitting that they helped you save any money aren't you? There's no shame in them helping. Indeed, the only shameful thing is that you won't give them credit where credit is due.

I've never said they haven't helped me have I.


I guess we can break it down real easy... How much do you give your parents per month?

£300.


How much would you have to spend per month if you didn't live with your parents?

More than £300.

[igofast]

What the fuck is wrong with you people? There is nothing wrong with living with your parents in order to save money so that you can live an independent, productive life. In fact, it demonstrates a level of self-worth and responsibility that is not seen in many young people these days.

[Dreamy]

What the fuck is wrong with you people? There is nothing wrong with living with your parents in order to save money so that you can live an independent, productive life. In fact, it demonstrates a level of self-worth and responsibility that is not seen in many young people these days.


Do you have full windows or those little basement windows where you are Igoman?:p

[Dick Tator]

I've never said they haven't helped me have I.

You implied when you said this:

my living arrangements have had no bearing on my savings.


£300.

More than £300.

So you admit you were wrong when you said this:

my living arrangements have had no bearing on my savings.


What the fuck is wrong with you people? There is nothing wrong with living with your parents in order to save money so that you can live an independent, productive life. In fact, it demonstrates a level of self-worth and responsibility that is not seen in many young people these days.

I don't have a problem with anyone living with their parents. I have a problem with dishonesty such as this:

my living arrangements have had no bearing on my savings.

[TopsyTurvy]

So if, say, I'd won a million dollars on the lottery my savings would depend on my living arrangements?

[igofast]

Do you have full windows or those little basement windows where you are Igoman?:p
I bought my home when I was 27 years old, thankyouverymuch.

[Dick Tator]

So if, say, I'd won a million dollars on the lottery my savings would depend on my living arrangements?

Well... yes. If your previous living arrangements left you in debt, you will have less than a million. If your living arrangements were as such that you were able to save a ton of money, you would have MORE than a million dollars. If your living arrangements after you win costs you a ton of money, then your savings will be less and less, and you will eventually run out. If your living arrangements are frugal, you could have a substantial savings for quite some time and even grow your savings, independent of having won the lottery.

You liberals really don't understand anything fiscally related, do you?

[Dreamy]

I bought my home when I was 27 years old, thankyouverymuch.

lol Good deal. I was 24. :nice:

Some adults live with their parent's longer than in previous generations.

I did fine leaving the home and marrying young. I of course had and have a great job since I was 21.

[big steve]

lol I hate special days like "Women's Day" and "Valentine's day". I am special 365 days. :nice:

That's what I have been trying to tell you in my shy, unassuming way! :D

[TopsyTurvy]

Well... yes. If your previous living arrangements left you in debt, you will have less than a million. If your living arrangements were as such that you were able to save a ton of money, you would have MORE than a million dollars. If your living arrangements after you win costs you a ton of money, then your savings will be less and less, and you will eventually run out. If your living arrangements are frugal, you could have a substantial savings for quite some time and even grow your savings, independent of having won the lottery.

You liberals really don't understand anything fiscally related, do you?

You know what I meant, stop being pedantic.

[big steve]

You know what I meant, stop being pedantic.

pedantic? pedantic? Is that a polite word for "asshole?" :D:D:D;)

[Dick Tator]

You know what I meant, stop being pedantic.

You should thank your parents for helping you save for your down payment. I suggest taking them someplace nice to eat. You people can just drive to France now, right?

[Dreamy]

That's what I have been trying to tell you in my shy, unassuming way! :D

Big Steve,a dog who humps everyone's legs is NOT special.:D Shoo.

[Dreamy]

You should thank your parents for helping you save for your down payment. I suggest taking them someplace nice to eat. You people can just drive to France now, right?

:rofl:

[big steve]

Big Steve,a dog who humps everyone's legs is NOT special.:D Shoo.

Well, you better cut it out then! :D

[TopsyTurvy]

You should thank your parents for helping you save for your down payment. I suggest taking them someplace nice to eat.

We eat out as a family about once per month.


You people can just drive to France now, right?

No.

[Dick Tator]

No.

Good luck with that house. Me thinks you'll need it. (http://maps.google.com/maps?f=d&source=s_d&saddr=london&daddr=paris&hl=en&geocode=FXjUEQMd5BL-_yl13iGvC6DYRzGZKtXdWjqWUg%3BFVt-6QIdi98jACkPt-IGH27mRzFglIxow4ILBA&mra=ls&sll=51.500152,-0.126236&sspn=0.488998,1.237335&ie=UTF8&z=7) :|

[Dreamy]

Well, you better cut it out then! :D

Lame comeback. ;)

[big steve]

Lame comeback. ;)

I have been limping a bit lately with a touch of sciatica. ;)

[TopsyTurvy]

Good luck with that house. Me thinks you'll need it. (http://maps.google.com/maps?f=d&source=s_d&saddr=london&daddr=paris&hl=en&geocode=FXjUEQMd5BL-_yl13iGvC6DYRzGZKtXdWjqWUg%3BFVt-6QIdi98jACkPt-IGH27mRzFglIxow4ILBA&mra=ls&sll=51.500152,-0.126236&sspn=0.488998,1.237335&ie=UTF8&z=7) :|

Catching a train is driving now?

I must've missed that memo.

[Dick Tator]

Catching a train is driving now?

I must've missed that memo.

Well, I don't assume you own a car.. so it doesn't matter how you travel. You will always be hitching a ride. ;)

Also, you can take a ferry... that counts as driving. Park in a moving parkinglot and enjoy a little boat ride... :p

[TopsyTurvy]

Well, I don't assume you own a car.. so it doesn't matter how you travel. You will always be hitching a ride. ;)

I don't even have a license lol.

[Dick Tator]

I don't even have a license lol.

It's one of those coming of age things that you might experience one day... as you spread your wings and get ready to leave the nest.. :p

[TopsyTurvy]

It's one of those coming of age things that you might experience one day... as you spread your wings and get ready to leave the nest.. :p

It might coincide with your balls dropping. :p

[Dick Tator]

It might coincide with your balls dropping. :p

Hey, I'm not the one that can't drive and lives with mom and dad.. :p

How much do you estimate that living with them has allowed you to save?

[TopsyTurvy]

Hey, I'm not the one that can't drive and lives with mom and dad.. :p

How much do you estimate that living with them has allowed you to save?

Hey I can drive (pretty much) I just don't have a license.

OK let me work out how much I've saved since I moved back home. Need a while to check my statement. I'll let you know in a jiffy.

[TopsyTurvy]

Right, what I've put in the bank since I moved back home constitutes just under 3% of my savings.

Like I said, my living arrangements have had no bearing on my savings. Well technically they have but an insignificant amount.

[Dreamy]

Not to add to this confusion/crazy thread but have you not been out of work for almost 2 years Tops. What exactly are you saving? Allowance?:p

[TopsyTurvy]

Not to add to this confusion/crazy thread but have you not been out of work for almost 2 years Tops. What exactly are you saving? Allowance?:p

I don't get an allowance anymore, I've been out of work under a year and I'm working now FYI.

[Dick Tator]

Right, what I've put in the bank since I moved back home constitutes just under 3% of my savings.

We need a number. Then we're going to figure up how much you would have spent had you not lived with your parents and we're going to subtract that from your savings. THEN we will know the true number you've saved.

[Dreamy]

I don't get an allowance anymore, I've been out of work under a year and I'm working now FYI.

lol Good to here. I still can't imagine all this saving when there was no job. Hey like you said it's your business what you choose to share here and its people on the interwebs what they choose to believe. No biggie either way,since it's your life. I just know the only money I saved was what I personally earned. You have clearly told us you have not been working. Shrug.

[TopsyTurvy]

We need a number. Then we're going to figure up how much you would have spent had you not lived with your parents and we're going to subtract that from your savings. THEN we will know the true number you've saved.

A percentage is sufficient indication. Unless of course you and everyone else is willing to divulge how much you have in your bank accounts.

[TopsyTurvy]

lol Good to here. I still can't imagine all this saving when there was no job. Hey like you said it's your business what you choose to share here and its people on the interwebs what they choose to believe. No biggie either way,since it's your life. I just know the only money I saved was what I personally earned. You have clearly told us you have not been working. Shrug.

I have been unemployed yes, but I've still earned money. And yes you're right, people are free to believe whatever they like, makes no difference to me.

[Dreamy]

So then are you applauding her or condemning her? Giving her shit for a smart move or secret happy for her. Or just baiting for the sheer hell of it.:eek7:

Pretty much the same shit that some do to Snouter.:shrug:

[Dreamy]

I have been unemployed yes, but I've still earned money. And yes you're right, people are free to believe whatever they like, makes no difference to me.

Usually how it plays out. People post. Some of it flies and some does not. Political and personal. Nature of message boards.

Hey everyone loved it when Vic and company did their "biting" and "probing" spotlight interviews on certain people. Nothing different here. lol

Personally I would tell people to pound sand but I am much more experienced at "bitch". :D

[Dick Tator]

lol Good to here. I still can't imagine all this saving when there was no job. Hey like you said it's your business what you choose to share here and its people on the interwebs what they choose to believe. No biggie either way,since it's your life. I just know the only money I saved was what I personally earned. You have clearly told us you have not been working. Shrug.

To clear up your confusion, she has admitted to having only earned SOME of the money she's saved.


No, I presume you made it taking what others have earned. I hope you made it yourself.


Some of it.


I have been unemployed yes, but I've still earned money.

*cough*welfare*cough*

[TopsyTurvy]

To clear up your confusion, she has admitted to having only earned SOME of the money she's saved.

Yes, and?

[TopsyTurvy]

*cough*welfare*cough*

No, I've never claimed it in my life. Having another guess?

[Dreamy]

To clear up your confusion, she has admitted to having only earned SOME of the money she's saved.







*cough*welfare*cough*

lol I pretty much don't agree with her politically on anything so I doubt I would agree with her on how she describes her brand of "independence" but hey some people applaud it. Different people,different mindsets.

[Dreamy]

No, I've never claimed it in my life. Having another guess?

There are several ways money can come to a person besides earning it.

Inheritance,Mums and Dads,lotteries and other assorted gamblings,sugar daddy/mommy,lawsuits,stocks and bonds,welfare or some other form of governmental offering.

I am sure I have left many out. I do the working thing so I have lost touch with the other ways to gather moolah.

[Dick Tator]

There are several ways money can come to a person besides earning it.

Inheritance,Mums and Dads,lotteries and other assorted gamblings,sugar daddy/mommy,lawsuits,stocks and bonds,welfare or some other form of governmental offering.

I am sure I have left many out. I do the working thing so I have lost touch with the other ways to gather moolah.

I think stocks and bonds falls into the "earning" category.. And lawsuits, often times, too... And so does money from Sugar daddy/mommy! lol... just because you don't approve doesn't mean it wasn't earned.

Anyone need a sugar daddy? I'll treat you like the whore princess you are! :p

[TopsyTurvy]

There are several ways money can come to a person besides earning it.

Inheritance,Mums and Dads,lotteries and other assorted gamblings,sugar daddy/mommy,lawsuits,stocks and bonds,welfare or some other form of governmental offering.

I am sure I have left many out. I do the working thing so I have lost touch with the other ways to gather moolah.

And we have a winner! You're the first person to bring any of that up.

[Dreamy]

And we have a winner! You're the first person to bring any of that up.

Honestly Tops,I wish you well. How you live your life is truly your business.

[Dreamy]

I think stocks and bonds falls into the "earning" category.. And lawsuits, often times, too... And so does money from Sugar daddy/mommy! lol... just because you don't approve doesn't mean it wasn't earned.

Anyone need a sugar daddy? I'll treat you like the whore princess you are! :p

Approve? No one asks for my approval thankfully.

Whore princess? Dress up night again?:nice:

[TopsyTurvy]

Honestly Tops,I wish you well. How you live your life is truly your business.

Thanks, I know.

[Dick Tator]

Thanks, I know.

In all seriousness, though... I would recommend renting for a year before you buy. Just to get yourself used to paying for yourself again. If a majority of your savings came from a place other than your income, you have to realize that it's only going to be your income holding you afloat.

Also remember that banks are always willing to loan you more than you can really afford. Just because they approve you for one number doesn't mean that's what you should be looking at. Here's some advice from Dave.



Dave's guidelines are simple. Your mortgage payment should not be more than 25% of your take-home pay. You'll need to pay at least 20% down on a 15-year or less fixed-rate mortgage. Notice that is a 15-year mortgage, not 30. Don't be tempted by the smaller monthly payments of a 30-year mortgage. The truth is 30-year mortgages are for people who enjoy being in debt so much they want to extend it for 15 more years and pay thousands of dollars more in interest for the privilege!

Now, you can probably qualify for a much larger loan than what 25% of your take-home pay would give you. But it's really not wise to spend more on a house because then you will be what Dave calls "house poor." Too much of your income will be going out in payments, and it will put a strain on the rest of your budget. You wouldn't be able to save and pay cash for furniture, cars and education.

The point is your house payments shouldn't take over your budget. Don't let your mortgage payments cause you major stress every month for years and years to come. Your dream home needs to be just that, a dream. You don't want it turning into a financial nightmare.


http://www.daveramsey.com/article/too-much-house/lifeandmoney_realestate/rer_text3/

[TopsyTurvy]

In all seriousness, though... I would recommend renting for a year before you buy. Just to get yourself used to paying for yourself again. If a majority of your savings came from a place other than your income, you have to realize that it's only going to be your income holding you afloat.

Also remember that banks are always willing to loan you more than you can really afford. Just because they approve you for one number doesn't mean that's what you should be looking at. Here's some advice from Dave.




http://www.daveramsey.com/article/too-much-house/lifeandmoney_realestate/rer_text3/

Dave talks sense.

And yeah I've never lived beyond my means, renting would seem like a good idea apart from what It'd cost, the average rental would be about £6,000 ($10,000) over a year which I'd rather not waste for no reason.

[Dick Tator]

Dave talks sense.

And yeah I've never lived beyond my means, renting would seem like a good idea apart from what It'd cost, the average rental would be about £6,000 ($10,000) over a year which I'd rather not waste for no reason.

It's not wasting it. If it becomes too much you can move back in with your parents. If you have a mortgage things become much more difficult to back out of. I'm simply saying to not rush into things.

Also, play around with this calculator. It says dollars but it all works out the same. If you get a 15yr fixed and make one extra payment a month, you will pay it off in only 10 years. Yes... 10 extra payments will cut off over 4 years of interest payments! Nice! :D

http://www.bankrate.com/calculators/mortgages/mortgage-calculator.aspx

[Dreamy]

It's a buyers' market here in the states. Not a sellers' however. I had mine on for 6 months and did not get any truly serious buyers.

Dick,mortgage is good debt.

[Dick Tator]

Dick,mortgage is good debt.

All debt is bad debt and all debt is stupid. The advice I gave about 20% down payments, payments less that 25% of take home, 15yr not 30, and paying extra payments... that all makes bad, stupid debt less bad and stupid. But it's still bad and stupid regardless. Get out of debt as quickly as possible.

[Lulu]

I've got to agree with Dick on this. It will remain a buyer's market for a couple more years and there are all kinds of wonderful unexpected expenses you don't count on as a homeowner. I'd recommend renting for a while before taking on that kind of financial responsibility. Plus if you are like me, Tops, you don't know how to fix jack in your place. One of the most important men in my life is my handyman. Besides, the house you'd want now is probably not the house you want in 5 years and where you lose money is selling & closing costs.

[Lulu]

All debt is bad debt and all debt is stupid. The advice I gave about 20% down payments, payments less that 25% of take home, 15yr not 30, and paying extra payments... that all makes bad, stupid debt less bad and stupid. But it's still bad and stupid regardless. Get out of debt as quickly as possible.

Yep especially when the banks decide to play more games on the consumers in the future. You don't want to be a slave to the banks.

Rich Dad Poor Dad is another good read on this subject.

[Dick Tator]

I've got to agree with Dick on this. It will remain a buyer's market for a couple more years and there are all kinds of wonderful unexpected expenses you don't count on as a homeowner. I'd recommend renting for a while before taking on that kind of financial responsibility. Plus if you are like me, Tops, you don't know how to fix jack in your place. One of the most important men in my life is my handyman. Besides, the house you'd want now is probably not the house you want in 5 years and where you lose money is selling & closing costs.

In her defense, she has a sizable emergency fund on top of her 20% down payment. (don't let the bank talk you into doing less than 20%... )

[Shandril105]

lol Good deal. I was 24. :nice:

Some adults live with their parent's longer than in previous generations.

I did fine leaving the home and marrying young. I of course had and have a great job since I was 21.

You and me both sista!

Another young homebuyer here. I was 21. Got lucky and got smart with the money.

[Dreamy]

All debt is bad debt and all debt is stupid. The advice I gave about 20% down payments, payments less that 25% of take home, 15yr not 30, and paying extra payments... that all makes bad, stupid debt less bad and stupid. But it's still bad and stupid regardless. Get out of debt as quickly as possible.



That depends on whether the extra money is invested is better places than the tax break one gets for carrying a mortgage. It also depends which tax bracket you are in and of course the interest rate in play which these days is amazingly low. All of this applies only to the US btw.

[Lulu]

In her defense, she has a sizable emergency fund on top of her 20% down payment. (don't let the bank talk you into doing less than 20%... )
That's all well and good but one year I spent $2,000 on a bathtub issue, one year $1500 on trimming a bunch of desert trees, and my property taxes are $5,500/year. I pay almost as much in taxes as I do in mortgage. True, 20% down at least.

[Shandril105]

That's all well and good but one year I spent $2,000 on a bathtub issue, one year $1500 on trimming a bunch of desert trees, and my property taxes are $5,500/year. I pay almost as much in taxes as I do in mortgage. True, 20% down at least.

$5500 a year??? :eek: *thud*

Mine were $743 last year.

[Dreamy]

You and me both sista!

Another young homebuyer here. I was 21. Got lucky and got smart with the money.

We lived in an apartment for a short time and hated it when the first baby came. The advice I got was why pay someone elses mortgage.

[Shandril105]

Me, I lived in roach motel apartments before getting our house. I hated them with a passion. Taught us a few good lessons, but when I had the opportunity to buy a house, I jumped on it.

[Dick Tator]

That depends on whether the extra money is invested is better places than the tax break one gets for carrying a mortgage. It also depends which tax bracket you are in and of course the interest rate in play which these days is amazingly low. All of this applies only to the US btw.

Interest tax break? Are you stupid? Let's say you pay 25% on taxes. In order to get a $250 dollar tax break you would need to spend $1,000 on interest! Why would I want to give the bank $1000 so I can get $250 from the government? Since when is a 75% loss a good thing? Piss off! Hell, if you want, you can send me 10,000 bucks and I will return 2500 to you in Feb.! :rolleyes:

The tax break is NOT a reason to stay in debt and anyone who claims so should be shot where they stand!

[Lulu]

$5500 a year??? :eek: *thud*

Mine were $743 last year.

Yes, for schools for my imaginary children. But hey, someone's got to pay for all this shit.:|

[Shandril105]

Yes, for schools for my imaginary children. But hey, someone's got to pay for all this shit.:|

Man, you better have some damn fine schools for that price.:eek3:

[Lulu]

Man, you better have some damn fine schools for that price.:eek3:

I hear they are. Maybe they would like to pet sit for me sometimes so I can get something for my money.

[Dick Tator]

I hear they are. Maybe they would like to pet sit for me sometimes so I can get something for my money.

Or you could shit out a few fucking kids so the minorities don't outnumber us! Fuck! :p