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Old 11-01-2003, 11:11 PM   #1
SleazyDream
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Why would a 19 year old be on GFY on a saturday night?

could you IMAGINE being 19 years old and being sooo socially useless that you have to goto GFY for your kicks on a Saturday night.

is there anything more pathetic then that?
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Old 11-01-2003, 11:12 PM   #2
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A 21 year old on GFY on a Friday night. 19 is a limbo year.
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Old 11-01-2003, 11:13 PM   #3
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Well, I think I'd call it 'sacrificing your social life in order to prosper' & reading GFY while other work gets done, .... maybe....heck what do I know.......at 15 I was clubbing 'til 4 in the morning.
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Old 11-01-2003, 11:13 PM   #4
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I am 29, my fiancee is asleep! What should I do???
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Old 11-01-2003, 11:13 PM   #5
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sleazy is a gfy moron
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Old 11-01-2003, 11:14 PM   #6
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im 19 and on
cause i have no life other then the fact i had to go get a mortgage today that i got approved for, went to the leaf game in gold seats, then chilled with my friends and now am doing an accounting case and redoing my sites cause my gf is out with her girlz tonight...

sux

must be the reason for all the other 19 yr olds
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Old 11-01-2003, 11:15 PM   #7
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Quote:
Originally posted by Za Ha
im 19 and on
cause i have no life other then the fact i had to go get a mortgage today that i got approved for, went to the leaf game in gold seats, then chilled with my friends and now am doing an accounting case and redoing my sites cause my gf is out with her girlz tonight...

sux

must be the reason for all the other 19 yr olds
dude - you're the exception - not the rule
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Old 11-01-2003, 11:15 PM   #8
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Quote:
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I am 29, my fiancee is asleep! What should I do???
... rub one out ?
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Old 11-01-2003, 11:15 PM   #9
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Quote:
Originally posted by Za Ha
im 19 and on
cause i have no life other then the fact i had to go get a mortgage today that i got approved for, went to the leaf game in gold seats, then chilled with my friends and now am doing an accounting case and redoing my sites cause my gf is out with her girlz tonight...

sux

must be the reason for all the other 19 yr olds
What rate you get approved at on the mortgage?
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Old 11-01-2003, 11:15 PM   #10
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Quote:
Originally posted by BradShaw
I am 29, my fiancee is asleep! What should I do???
snap some pics of her and post them.
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Old 11-01-2003, 11:16 PM   #11
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<-------27 and on GFY but I am backed up with work
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Old 11-01-2003, 11:17 PM   #12
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What rate you get approved at on the mortgage?
3.5% and its open for 25yrs.
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Old 11-01-2003, 11:18 PM   #13
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Quote:
Originally posted by Za Ha
im 19 and on
cause i have no life other then the fact i had to go get a mortgage today that i got approved for, went to the leaf game in gold seats, then chilled with my friends and now am doing an accounting case and redoing my sites cause my gf is out with her girlz tonight...

sux

must be the reason for all the other 19 yr olds
Shit man I wish my 22 yr old lazy fuck brother had some motivation like you. All he does is work out and play basketball and is taking his last class in college
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Old 11-01-2003, 11:19 PM   #14
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school is killing me too, i feel like dropping out and doing this full time but i wanna get a diploma so my parents can brag to their friends that i have some kinda formal education
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Old 11-01-2003, 11:20 PM   #15
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Sure.. Because his girlfriend is busy with other guys.
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Old 11-01-2003, 11:20 PM   #16
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Sure.. Because her girlfriend is busy with other guys.
?
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Old 11-01-2003, 11:21 PM   #17
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?
HIS GIRLFRIEND. Typo. Mistake.
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Old 11-01-2003, 11:21 PM   #18
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Quote:
Originally posted by SleazyDream
could you IMAGINE being 19 years old and being sooo socially useless that you have to goto GFY for your kicks on a Saturday night.

is there anything more pathetic then that?
Could you IMAGINE being 38 years old and being soooo socially useless that you have to goto GFY and attack younger people to feel better about yourself?

Is there anything more pathetic than that?
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Old 11-01-2003, 11:24 PM   #19
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Is there anything more pathetic than that?
Yeah. Your reply.
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Old 11-01-2003, 11:26 PM   #20
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I LOVE the weekends

Friday night is for the pub with the lads then back home for a

Saturday nights and its Nintendo for $$$ then several rounds of cards + &

GFY don't even figure in my weekend
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Old 11-01-2003, 11:27 PM   #21
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Yeah. Your reply.
Guess I hit a little too close to home.. don't worry it wasn't directed towards you.
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Old 11-01-2003, 11:28 PM   #22
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Yeah. Your reply.
Your nose smells like sleazy's ass
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Old 11-01-2003, 11:30 PM   #23
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3.5% and its open for 25yrs.
LOL! What????

I just got a 5 year mortgage with CIBC for 4.9% which was 1.25% off the going rates.

Open for 25 years what the hell does that mean???

DH
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Old 11-01-2003, 11:30 PM   #24
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Your nose smells like sleazy's ass
YOU'RE THE ONE WHO WAS SIFFING MY ASS THE OTHER DAY!
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Old 11-01-2003, 11:32 PM   #25
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YOU'RE THE ONE WHO WAS SIFFING MY ASS THE OTHER DAY!

I don't want to know about your fantazies...
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Old 11-01-2003, 11:33 PM   #26
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BTW Zaha how did you get approved for a mortgage when you're 19. You need 3 years notice of assessment if you are self employed... So you would need tax documentation back when you were working when you were 16??

Unless you put down 25% I see it very hard for you to get a mortgage at your age. I'm not trying to hate on you, I am just very doubtful....

DH
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Old 11-01-2003, 11:34 PM   #27
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LOL! What????

I just got a 5 year mortgage with CIBC for 4.9% which was 1.25% off the going rates.

Open for 25 years what the hell does that mean???

DH
got any pics of you new place DH?
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Old 11-01-2003, 11:38 PM   #28
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BTW Zaha how did you get approved for a mortgage when you're 19. You need 3 years notice of assessment if you are self employed... So you would need tax documentation back when you were working when you were 16??

Unless you put down 25% I see it very hard for you to get a mortgage at your age. I'm not trying to hate on you, I am just very doubtful....

DH
co-signer.
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Old 11-01-2003, 11:39 PM   #29
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Quote:
Originally posted by DrinkingHard
BTW Zaha how did you get approved for a mortgage when you're 19. You need 3 years notice of assessment if you are self employed... So you would need tax documentation back when you were working when you were 16??

Unless you put down 25% I see it very hard for you to get a mortgage at your age. I'm not trying to hate on you, I am just very doubtful....

DH
I put down 25%. My father bought 2 houses next to the one beside me so I have collatral under his name.

I dont plan to move in, I just want it as an investment, and I got to purchase 4 days before the public cause they are being build beside the university where I go and so far they have gone up $9,000 within one day.... Ill hold until they are finished and sell for a few grand profit.
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Old 11-01-2003, 11:40 PM   #30
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Without the 25% I would have no chance to get my hands on a mortgage, they would probably laugh in my face.
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Old 11-01-2003, 11:40 PM   #31
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you dont need to state your income to get a mortgage.
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Old 11-01-2003, 11:41 PM   #32
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I put down 25%. My father bought 2 houses next to the one beside me so I have collatral under his name.

I dont plan to move in, I just want it as an investment, and I got to purchase 4 days before the public cause they are being build beside the university where I go and so far they have gone up $9,000 within one day.... Ill hold until they are finished and sell for a few grand profit.
nice
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Old 11-01-2003, 11:42 PM   #33
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you dont need to state your income to get a mortgage.
Sure you do.

U state your gross monthly income, your expenses, your property tax and they calculate how much you can take a mortage out for.

If you put in 25% they dont care especially if the house is in a nice area. If you are buying more then 2 houses then you must put in 30% cause its considered as an investment.
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Old 11-01-2003, 11:43 PM   #34
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I'm 23, I'm home and on GFY... by choice

Making money and chillin at home is way more exciting to me than any stale club with a bunch of weekend warriors and possibly getting hit by a drunk driver on the way home... yeah home is good
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Old 11-01-2003, 11:45 PM   #35
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Sure you do.

U state your gross monthly income, your expenses, your property tax and they calculate how much you can take a mortage out for.

If you put in 25% they dont care especially if the house is in a nice area. If you are buying more then 2 houses then you must put in 30% cause its considered as an investment.
edit: you dont need to prove your income
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Old 11-01-2003, 11:48 PM   #36
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edit: you dont need to prove your income
true, the bank will always get their money, and if you dont pay up on time interest will eat you for the rest of your life and your credit rating will be soo bad that you wont even have a debit card

i dont have the 25% that is needed but it is required once the house is complete in 2005 (april) so I gotta pull some more money together by then, but still approval wasnt hard. Banks love to give you loans, cause then they own you!! lol
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Old 11-01-2003, 11:48 PM   #37
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I'm 22, I just got back from playing some pool. The streets were freakin deserted. Nobody's out tonight, at least here in Orlando. I think everyones still recuperating from Halloween drinkin.
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Old 11-01-2003, 11:49 PM   #38
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enought bout me, i feel like an attention whore,

answer the original question!
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Old 11-01-2003, 11:49 PM   #39
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I'm 28 and bitter. Let's not get into it. I'm here 'cause I'm bored. Thank you, nothing more to see here, move along.
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Old 11-01-2003, 11:52 PM   #40
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Actually, if he has good credit all he needs is a letter from an employer stating his salary. If he's borrowing more than 75% of the value of the home, he needs to pay the CMHC insurance, which the bank prefers so they are guaranteed that if he defaults they are guaranteed their money.

Your mortgage is not open for 25 years - life of the loan will be 25 years if you don't refinance it. The term of your loan is most likely the 'better than prime' which is 5-year closed and at a variable rate about .25% lower than prime - which you can only convert to a 3 year closed term (which is presently at 5.8) When prime goes up, so will your payments.
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Old 11-02-2003, 12:00 AM   #41
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got any pics of you new place DH?


The new property is a commercial/residential Victorian building located in my hometown's downtown core. The bottom floor is currently being rented out to a Lawyer and the top floor is a large "new york" style apartment that has a seperate entrance and can be rented out as well.

All hardwood floors throughout and tons of new rennovations done. I'm planning on doing some sealing work to the basement and a bit of brickwork, but other than that nothing. I also own another rental commercial building 5 doors down from this one, I'm buying up the whole street hehe! I also own another house just outside of town.

DH
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Old 11-02-2003, 12:02 AM   #42
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is there anything more pathetic then that?
nope, nothing
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Old 11-02-2003, 12:02 AM   #43
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Nice place! Congrats!!
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Old 11-02-2003, 12:03 AM   #44
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Nice house.

T.O or Vancouver?
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Old 11-02-2003, 12:04 AM   #45
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I put down 25%. My father bought 2 houses next to the one beside me so I have collatral under his name.

I dont plan to move in, I just want it as an investment, and I got to purchase 4 days before the public cause they are being build beside the university where I go and so far they have gone up $9,000 within one day.... Ill hold until they are finished and sell for a few grand profit.
hehe cool man. That is a great way to make some cash and not be out of pocket too much! I know a number of people here in Vancouver that buy condos in buildings that are not yet built and as soon as they are built people want to buy. So that is when my friends sell and pocket some nice change!

DH
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Old 11-02-2003, 12:08 AM   #46
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could you IMAGINE being 19 years old and being sooo socially useless that you have to goto GFY for your kicks on a Saturday night.

is there anything more pathetic then that?

Why is it that so many people think all kids have to be outgoing and getting drunk? Being 19, I rarely get drunk, and I spend most of my time at home when I'm not working. Oh, and 19 year olds that stay on home on a Saturday night aren't social outcasts (most of them, anyway). I get along with people and they get along with me. I don't know anyone that doesn't like me.

Sometimes I wonder about your intelligence, Sleazy. You remind me of the kids that try to convince you to smoke weed, "Come on man, everyone's doing it!", when in reality, only like 10% of teenagers smoke weed regularily. It's the same thing when it comes to what you do on Saturday nights. Just because 10% of 19 year olds are outgoing (roughly) doesn't mean the other 90% are social outcasts. I'd rather spend my time on a Saturday night at home making galleries. Why? Because I enjoy it a hell of alot more than getting piss drunk and getting arrested for drinking in public.

For fucks sakes, the ammount of arrogant people out there never ceases to amaze me.



Long live spending Saturday nights at home doing something constructive.
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Old 11-02-2003, 12:17 AM   #47
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3.5% and its open for 25yrs.

Do you mean its interest only at 3.5% for 5 years then p and i for the remaining 25?
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Old 11-02-2003, 12:20 AM   #48
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could you IMAGINE being 19 years old and being sooo socially useless that you have to goto GFY for your kicks on a Saturday night.

is there anything more pathetic then that?
I'm a 21 yr old! I must be a sad loser and pathetic!

jDoG
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Old 11-02-2003, 12:23 AM   #49
integrated
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Quote:
possibly getting hit by a drunk driver on the way home
its funny because its true
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Old 11-02-2003, 12:29 AM   #50
HS-Trixxxia
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Originally posted by drunkdollars



Do you mean its interest only at 3.5% for 5 years then p and i for the remaining 25?
No, you are always paying p&i just that it's amorticized for 25 years (the amount of time you have to pay off the capital) calculated on the total outstanding balance of your mortgage on a monthly/semi-annually/or yearly basis.

Basically the way the rates are now, the total of your payments for the first 5 years = about 60% interest 40% capital (that's if you have a fixed rate for 5 years) (example if you've paid 30k, 18k was for interest and 12k on capital)

Last edited by HS-Trixxxia; 11-02-2003 at 12:32 AM..
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