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#51 | |
►SouthOfHeaven
Join Date: Jun 2004
Location: PlanetEarth MyBoardRank: GerbilMaster My-Penis-Size: extralarge MyWeapon: Computer
Posts: 28,609
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Quote:
if i buy a car that is missing tires it would be foolish for me to complain about the last owners lack of tire maintenance , i bought a car with no tires. Your friend had a choice to buy a house that had a fridge , he chose to buy a house missing a fridge , knowing he needed a fridge , he got exactly what he expected. If he bought a house and the owner stole the fridge he should go to the police.
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#52 | |
Confirmed User
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Join Date: Jan 2001
Location: Oakland, CA
Posts: 8,067
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Quote:
![]() If you rolled it into the mortgage... you don't fucking own it. The bank does. ![]() |
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#53 |
So Fucking Banned
Industry Role:
Join Date: Oct 2010
Posts: 857
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hgtv... great show
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#54 | |
►SouthOfHeaven
Join Date: Jun 2004
Location: PlanetEarth MyBoardRank: GerbilMaster My-Penis-Size: extralarge MyWeapon: Computer
Posts: 28,609
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Quote:
if bank loans you 500k for house and you are in 50k and foreclose and take some carpet , appliances and ding the walls, the bank makes 45k instead of 50k. Doubt they are losing any sleep over the small loss of profit.
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#55 | |
Making $$$$ w/ ClickCash
Industry Role:
Join Date: May 2003
Location: USA
Posts: 18,037
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Quote:
Come on be honest, how many of these have you done before, 1, 0? or do you have a friend that does them. You have no idea what you are talking about and it is apparent from this thread. banks don't give mortgages to finance refigerators. You wont find individual items like that listed on the deed/mortgage. Only the land/buildings and its *fixtures*will be mentioned. You might want to learn that word and what is a fixture or not. Because they wont spell out what every fixture is, at most it will just say "fixtures".
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#56 |
Confirmed User
Join Date: Feb 2002
Posts: 2,527
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I paid $3k for the airconditioner alone, the stove and the dishwasher are new too
damn right i'd take it with me if i went
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...... eight,eight,two,eight,eight,four,two ...... |
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#57 | |
Confirmed User
Join Date: Feb 2008
Posts: 1,726
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Quote:
That wall damage will take an hour to fix, I don't think it was worth even taking a picture of and crying about it. |
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#58 |
Confirmed User
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Location: US
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#59 |
Too lazy to set a custom title
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Join Date: Mar 2003
Location: Homeless
Posts: 62,911
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I see it as pretty simple thoughts on their part. They got a loan got a house and started paying in good faith. Then for what ever reason the shit hit the fan and they got forclosed on. If they were one of the few who got hit on a house that they could actually afford but lost because of other stupid people then they feel like the 80k or what ever they paid they own. So they plan to take as much of that 80k as they can.
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#60 | |
Confirmed User
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Location: Vegas and Los Angeles
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Quote:
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The Only Time When Success Comes Before Work Is In A Dictionary. Did you ever notice: When you put the 2 words 'The' and 'IRS' together it spells 'Theirs.' |
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#61 |
Too lazy to set a custom title
Join Date: Jun 2003
Location: Ottawa
Posts: 19,631
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if its worth it, file suits against the people who do this. can't be hard to find out who they are.
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you don't know you're wearing a leash if you sit by the peg all day.. |
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#62 |
Too lazy to set a custom title
Join Date: Jun 2003
Location: Ottawa
Posts: 19,631
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sounds cut and dry but what if they replaced in the fridge at some point during the years they lived there? or replaced the carpet? even if the old stuff was still in the mortgage the new appliances came from their own pocket.
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#63 |
Confirmed User
Join Date: Jul 2003
Posts: 362
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wow, you think they're just trying to profit from their own foreclosure by gutting it? more like they're trying to spite the bank as well as those that are trying to profit on their misery. they dont NEED to make a profit on the fixtures and baseboards if they can make life just a little bit harder and/or more expensive for the bank and vultures.
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#64 |
Confirmed Abuser
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Join Date: Jun 2003
Location: Montreal
Posts: 5,717
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The damages in foreclosures are usually factored into the price, if you have the crew to put the house back into tip top shape you can make really good money flipping them.
You see a wreck and someone else see's opportunity. You have to figure just about any home foreclosure or not will need paint and new carpets, and possibly appliances, people live like pigs! My issue is with short sales and the amount of time it takes to get answers from the bank, holes in walls can be fixed in a day, getting a bank to review and offer and give a reply takes months!
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#65 |
<&(©¿©)&>
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Join Date: Jul 2002
Location: Chicago
Posts: 47,882
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amateurs... I would have cut the 2x4s too just for fun
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#66 | |
Too lazy to set a custom title
Join Date: Jun 2003
Location: Ottawa
Posts: 19,631
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Quote:
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you don't know you're wearing a leash if you sit by the peg all day.. |
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#67 |
Jägermeister Test Pilot
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Join Date: Dec 2001
Location: NORCAL
Posts: 73,383
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The guy who lived next door to me did this. They took EVERYTHING. They took all of the glass from the shower doors, the sink, the faucet, and every last light fixture in the house, including the ones outside.
The only thing that god damn left behind was the smoke alarms, and after six months they started chirping so I broke in and replaced the batteries.
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#68 |
Confirmed User
Join Date: Feb 2007
Location: Sweden
Posts: 5,645
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#69 |
Beer Money Baron
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Join Date: Jan 2001
Location: brujah / gmail
Posts: 22,157
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Vultures. Don't fucking buy the place then, boo hoo.
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#70 |
Confirmed User
Join Date: Sep 2008
Location: The Mountains of Washington State
Posts: 939
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people need to learn to quit making excuses and take the blame when they fuck up.
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#71 | |
Confirmed User
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Join Date: Feb 2011
Posts: 158
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Quote:
While I would normally agree 110% with everything you just said... The real issue is the banks NEVER lose. If they gambled on a bum mortgage and lost the Fed just bails them out. The problem is they have stacked the deck to the point where even if they lose they can either get the debt washed or just borrow more from the fed at 0%. At the end of the day... FUCK THEM ![]() If you or I run business into the ground we need to suck it up and move on... if you are a bank you get a do over... so much for personally responsibility right? I do not see why a person is expected to be a perfect little bitch while the bank is pissing in their face and calling it rain. Sure there are websites for that sort of shit and few awesome affil programs, but double standards are bullshit and you know it.
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#72 | |
Making $$$$ w/ ClickCash
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Join Date: May 2003
Location: USA
Posts: 18,037
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Quote:
Therefore you asked, why is there a double standard? Out of necessity. Banks (at least the bigger ones who represent the majority of home loans) can not be allowed to fail. Do I think it sucks that me as a tax payer has to bail them out. Sure. My gripe isn't that the "big bad bank" was bailed out, I understand the importance of banks and that we need them. I just wish the assholes in charge that got us in trouble were held responsible and charged criminally. The bank, as an institution is not bad, just some of the people running them were. And "banks" do lose. It's not uncommon for smaller banks to close down. Banks also lose in most cases with foreclosures. But at the end of the day, you right the big ones that are important will be bailed out for the mistakes of the people who were running them. Now that is a gripe for you and me to be mad about, we played by the rules and still had to pay for everyone else fucking up. Banks getting bailed out is not justification for someone that got more house then they could afford and in over their head, lost the house and got mad and gutted it because they were blaming the bank for their problems. The buck stops with them.
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ICQ: 86364801 Email: will [at] innovativeassets [dot] com |
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#73 |
Confirmed User
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Join Date: Feb 2011
Posts: 158
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Haha GFY bringing people together
![]() I am with you on the total BS of it all. I did not want to come off as all banks are evil and they do serve a very important job. On the other hand the morons that ran them into the ground should of loss their jobs at the least. I am a firm believer that too big to fail is a total crock invented by huge ass bank board members. This is america and if you run a business into the ground it either goes away or gets gobbled up by the next strongest business in the sector. I really doubt it would of started raining cats and frogs if the top 10 banks all closed up shop because before the end of the day 20 more would be there to take their places. If we as a country show them they are replaceable then maybe they will stop dicking around. Right now we are rewarding the dog for shitting and pissing all over the rug... that never works. It will hurt for a while to do the right thing, but just like some big surgery after your recovery time you will be good as new.
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#74 | ||||||
Making $$$$ w/ ClickCash
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Join Date: May 2003
Location: USA
Posts: 18,037
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Here is some general education for those of you in the US:
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ICQ: 86364801 Email: will [at] innovativeassets [dot] com |
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#75 |
So Fucking Banned
Join Date: Jan 2002
Location: Hanging by the neck until dead.
Posts: 4,660
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If the bank was taking my house I would do the exact same thing. Fuck the bank. Fuck the buyers. They can all go eat a dick.
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#76 | |
Making $$$$ w/ ClickCash
Industry Role:
Join Date: May 2003
Location: USA
Posts: 18,037
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Quote:
Lookie what I did when they came and tried to repo the car after I stopped making payments. I gutted that too... will teach them fuckers to come and try to take shit from me because I put down .001% and didn't make my payments. Po sessions is 100% of the law you biotches!!! ![]() The funny thing is that people are stupid enough to think that just because they put down a couple thousand dollars and make a couple payments that they "own" something. They don't own shit. The bank owns it and you are just a renter basically. the morons with the "take **my** house" mentality. Person buys a 300K house. Put down 5K. Makes payments of 20K for the first year ( never mind the fact that 15K of that went to interest and not principle. Interest!!! what the fuck is that you mean when the bank loans people money they expect you to pay them back more then you borrowed???) So for the sake of the stupid, throw out interest. You fucking white trash, entitlement minded, lack of personal responsibility fuckups, really think that because you out 25K and the bank is out 275K that you "own it". Do you not forget, when the house was purchased the BANK gave 300K to the person who sold the house. They BANK bought the house, not you. The BANK is out 275K you out 25K and you get all pissy because you stop paying and they want to take possession back of THEIR house?
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ICQ: 86364801 Email: will [at] innovativeassets [dot] com |
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#77 |
Confirmed User
Industry Role:
Join Date: Mar 2003
Posts: 2,257
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Hey Will76,
You do get taxed for the difference, trust me! Never has made sense to me, but somehow the Gov thinks you got money, and need to be taxed. I have a friend who lost his house in Phoenix, the bank took the house, and acter auction, he still owed 40K. He filed for bankruptcy, and the IRS charged him taxes on the 40k.. Crazy system. |
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#78 |
Confirmed User
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Join Date: Mar 2003
Posts: 2,257
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Question,
How do the banks lose "real" money on a foreclosure? I mean they get whatever was paid in for downpayment, if any payments were made with interest, and they get the fucking house back to resell. Also, how many times have the houses been resold. Sure property values drop, that is the same risk the buyer is taking also. The banks also go after the people for the Difference in price sold to price owned. If they lose money they can write it off on taxes. Banks can get insurance against the loan also. Then now the big Bailout. If you ask me banks can fuck off! |
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#79 | |
Making $$$$ w/ ClickCash
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Join Date: May 2003
Location: USA
Posts: 18,037
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Quote:
But even with the exemption, most of not all of personal residence home owners do get to get their cake and eat it too.
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ICQ: 86364801 Email: will [at] innovativeassets [dot] com |
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#80 | |
Making $$$$ w/ ClickCash
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Join Date: May 2003
Location: USA
Posts: 18,037
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Quote:
You want to buy a house from me. I am selling my house for 300K. You go to the bank and say, hey I don't have the money but I still want to buy it, can I borrow the money from you? Bank says "ok" (if this was done in the early 2000's they should have probably told you to fuck off, but they loan you the money anyway.) You tell bank, hey I will put up 5K, can you put up 295K for me. Bank again says ok. The bank gives you 295K and you give it to me plus your 5K. Depending on the state the deed / promissory note is handled differently so I wont even go there. Let's check the score card: Bank is out: 295K You are out: 5K I got my 300K and sold my house. You then make 25K of payments (again lets leave out interest, at this point it seems like a foreign concept to most people here). SO you paid 30K (initial 5K plus 25K) Bank is still out 270K You stop making payments... You get foreclosed on. How does the bank lose? They get the house back.... The bank is not a real estate company therefore they do not want house back nor do they want to own a bunch of rental property. They want their money back. So they sell the house at an auction. Ut Oh, the house sells for a lot less, how did this happen? It could have been because you over paid for it in the first place, or the real-estate values went down, or you trashed the house making it worth less, or you gutted it on your way out, or all of the above. Let's say it sells for 200K... Bank put out 270K and got back 200K plus a TON of money in legal fees to go through the foreclosure process. So they lost 70K+ You lost 30K. The bank lost 70K+ Now lets add this to the equation, did you really lose 30K? No, you gutted the place on your way out and likely sold some of that shit on craigslist. You also didn't make any payments the last 6 months (living somewhere rent free???) If you were paying rent during that time you would have been out of pocket 6-12K. Then you also got to live someone where for the year that you were paying on it, which if you weren't living there you would have been paying probably the same amount as your mortgage (or close to it) in rent some where else. So how much do you really lose, how much did the bank lose ?
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#81 |
Too lazy to set a custom title
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Join Date: Jul 2005
Posts: 10,057
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#82 | |
Too lazy to set a custom title
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Join Date: Jul 2005
Posts: 10,057
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Quote:
Why don't you buy the ones with more "missing"? Do you hate making money, or what ![]() |
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#83 |
Too lazy to set a custom title
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Join Date: Jul 2005
Posts: 10,057
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#84 | |
Too lazy to set a custom title
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Join Date: Jul 2005
Posts: 10,057
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Quote:
You make some very good points. Motherfuck idiots who DON'T EVEN READ THEIR LOAN DOCS and then cry when they're expected to LIVE UP TO THE TERMS OF THE CONTRACT THEY SIGNED. Motherfuck crooked greedy stupid "money changers" who were STUPID ENOUGH TO LOOK THE OTHER WAY WHILE THE AFOREMENTIONED IDIOTS WERE BUSY BEING AS STUPID AND AS GREEDY AS THEY ARE. Motherfuck the bailouts, too. Biggest theft of wealth in the history of all mankind. Fuck everyone I don't really like anyone any more I like that you see the thing the same way that I do. About god damned time more people did. Because we're right. |
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#85 |
Confirmed User
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Join Date: Jul 2003
Posts: 2,888
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Thats why forclosures are bottom priced... these people are pawning everything they can get just to stay above water. And their homes are not upkept obviously cause they have problems.
Sabby ![]()
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#86 |
making it rain
Industry Role:
Join Date: Oct 2003
Location: seattle
Posts: 22,050
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Will76 speaks the truth
![]() ![]() The fucking sense of entitlement among the degenerates on this board pisses me off ![]() |
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#87 | |
58008 53773
Industry Role:
Join Date: Jul 2005
Location: Australia
Posts: 9,864
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Quote:
![]() ![]() Are you kidding me? You're all up in arms over this? For fucks sake, 30 minutes and that is FIXED. |
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#88 |
Confirmed User
Join Date: Feb 2001
Location: Land of OZ
Posts: 2,337
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i find it so odd that your houses come with normal applicances with you buy them.. here bring ure own fridge, washing mashine etc.. i wouldnt want someone elses anyway!
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#89 |
Confirmed User
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Although this is true in many cases...but what would happen if you showed up with a sportsbag filled with 150k to buy a house?
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#90 | |
Too lazy to set a custom title
Join Date: Jun 2003
Location: Ottawa
Posts: 19,631
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Quote:
people are stupid! individual morons being allowed to determine if they can afford a mortgage or not is crazy! banks should be protecting their assets. not giving them out like candy "assuming" the buyer is responsible and knows what he's doing. the whole housing crisis was like a huge pump and dump stock scam, at least to my simple mind. of course people are going to lose their homes when their payments double due to the whole subprime scam which should of never been legal in the first place, a lot of people didn't even understand the concept.
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you don't know you're wearing a leash if you sit by the peg all day.. |
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#91 | |
►SouthOfHeaven
Join Date: Jun 2004
Location: PlanetEarth MyBoardRank: GerbilMaster My-Penis-Size: extralarge MyWeapon: Computer
Posts: 28,609
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Quote:
![]() If the bank sells the house for 400k do you think they give the 30k back ? So if the house sells for the same or more then you lost 30k and the bank made money. Let's not use completely unrealistic examples. Lets stick with your example except with a realistic re-sale value on the house. Lets say i bought the house for rental income and the renters lost their job, they default to me , i default to the bank , the bank defaults to the government. I shouldn't have relied on the renters to pay , the bank shouldn't have relied on me to pay and the gov shouldn't have relied on the bank to pay ![]() everyone fucked up , but the renter didn't really lose shit, the bank didn't really lose shit , infact they made money , and i am the only one who lost a shitload of money , ya can't throw me a fucking fridge and some new drywall ? ![]()
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hatisblack at yahoo.com |
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#92 |
Confirmed User
Join Date: Mar 2002
Location: asia
Posts: 5,590
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#93 |
Confirmed User
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Join Date: May 2008
Location: USA
Posts: 692
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I was looking at one the other day it wasn't too bad but whoever was there had taken the fitted dishwasher and the microwave/hood
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#94 |
Too lazy to set a custom title
Join Date: Jun 2003
Location: Ottawa
Posts: 19,631
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lol maybe in asia but do that in the states and they'll call the cops on you. only a moron would take a gymbag full of cash anyways, could be fake, could be stolen from a bank..could be anything.
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you don't know you're wearing a leash if you sit by the peg all day.. |
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#95 | |
Making $$$$ w/ ClickCash
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Join Date: May 2003
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Posts: 18,037
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Quote:
That and the anti capitalism vibe. The "jealous" hate for companies that profit "too" much or make too much money in the broke dick public's opinion. The "fuck the rich" mentality, lets make the rich pay un-proportionality more in taxes then everyone else because they already have a lot of money so make them pay for it. The rewarding of laziness and failure. The dumming down of America and our education system that is ranked 30th in the world. It all starts and ends with people taking responsibility for their own actions.
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ICQ: 86364801 Email: will [at] innovativeassets [dot] com |
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#96 | |||
Making $$$$ w/ ClickCash
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Posts: 18,037
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You'd think people would be smart enough to know what they could afford or not, but most can't. The banks fucked up and let the tax payers down. They let the idiot's make decisions, and like typical idiots, they get to make their own decisions, fail, and get mad at someone else. classic.
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ICQ: 86364801 Email: will [at] innovativeassets [dot] com |
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#98 | |
Confirmed User
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Posts: 2,704
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Quote:
For every idiot who took out an interest only ARM to buy a McMansion on a burger flipping salary, there's another in deep shit due solely to job loss. Job loss resulting from the national economy getting deep sixed by the housing meltdown. When people like that watch those very same Wall Street shysters and "too big to fail" bank executives - that ruined the economy - then pay themselves bonuses in the tens and sometimes hundreds of millions... well, who can blame them for feeling just a tad of "jealous hate". Moreover, now that they're jobless, soon to be evicted and sans credit for a whopping seven years, many of them aren't exactly fanboys of unregulated capitalism anymore. I don't know about you, but I'm not quite so inclined to begrudge those poor slobs their anger ![]()
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#99 |
Confirmed User
Industry Role:
Join Date: Mar 2003
Posts: 2,257
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Will76, this is about one thing I do not agree with you on.
Your example is in a perfect world, with leaning towards the banks line of crap they tell you. Lots of people even with equity in the house when they quit paying just walk away. the bank does NOT sell the house for what is OWED, they sell it for what it is worth. Trust me Will, I have friends on all sides, even worked i n the credit business right along with banks. What I don't know is what scares me, with all the ways they make money off houses. Where you are wrong on this, is you believe No ONE in the banking industry is a BAD guy. I am also not saying this is the case with Every house, and yes they lose their ass with others, but they also have insurance, or now the bailouts to cover their ass on those, not to mention write downs, write offs, whatever they want to call losses claimed on taxes. |
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#100 |
Confirmed User
Industry Role:
Join Date: Mar 2003
Posts: 2,257
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People did buy more than they could pay for, as MOST people that have Loaans o n a house. Jobs come and go.
It is partly the banks fault for approving the loan also. |
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