How much your first house cost? - GoFuckYourself.com

Sosa · 07-22-2005, 06:08 PM

Wondering what everyone paid for their first house. I'm really thinking of getting this brand new 4 bedroom 2700 sq ft one for 230k ( asking price) in the next few weeks. Just can't make up my mind. Might just have the company build more of a custom one for me for a little bit more.

Also how old were you? I just turned 23.

Mako · 07-22-2005, 06:13 PM

Jesus, even shitty Nebraska homes are up to 230k? We really are in a bubble...j/k

Bought my first in the 90s for $285k, sold it two years ago for $550k. In California though that's basically a shack, the homes where I live now are all $1M or so, and smaller than the one you just listed in size. Damnit.

After Shock Media · 07-22-2005, 06:14 PM

Put down payment on it when I was 23. Paid it off this month.
Purchase cost was 71,000.00
Current value is around 240,000.00 (The price the house next door sold for three months ago, about same size but on a much smaller lot).

Sosa · 07-22-2005, 06:16 PM

lol actually the prices here are about 50% more then bigger areas in the state. There is just nothing new that has been built in quite a while. With a small state college here, it keeps the prices up compared to the rest of the state. Excluding Omaha, and some parts of Lincoln. I'm in the fucking sticks clear on the western side of the state. I'm sure this house would cost a pretty penny in Cali.

Elli · 07-22-2005, 06:17 PM

In 2002 we paid $223,000Cdn for a three bedroom, three level house on a 130'x60' lot in the burbs of Vancouver. It's estimated to be worth about $290k now. I was 26 at the time.

Sosa · 07-22-2005, 06:17 PM

Quote:

Originally Posted by After Shock Media

Put down payment on it when I was 23. Paid it off this month.
Purchase cost was 71,000.00
Current value is around 240,000.00 (The price the house next door sold for three months ago, about same size but on a much smaller lot).

Pretty nice, how long it take you to pay it off?

Sosa · 07-22-2005, 06:18 PM

I'm only thinking of having the same company build me one is because the family room in the basement is smaller then I would want, and the eating area is a little weird. Other then that it rocks.

After Shock Media · 07-22-2005, 06:19 PM

Quote:

Originally Posted by Sosa

Pretty nice, how long it take you to pay it off?

10 years on a 15 year loan.

baddog · 07-22-2005, 06:21 PM

$32,500.00 Was 23

llporter · 07-22-2005, 07:03 PM

1st: still saving

Sosa · 07-22-2005, 07:08 PM

Quote:

Originally Posted by llporter

1st: still saving

not that bad of a idea. Just expect the rates to go up some in the next year. I wouldn't mind waiting to start building on the house till next spring and put down a bigger down payment.

robfantasy · 07-22-2005, 07:19 PM

whats your current income and how long have u sustained it to get that loan

im asking because of your age

Sosa · 07-22-2005, 07:24 PM

not gonna say my income, but it has been good for a while now. Plus I do more than just my adult websites.

High Plains Drifter · 07-22-2005, 07:27 PM

I paid $230k for this house in 2001 at age 26. That's about half a million in bubble-money.

Robatolla · 07-22-2005, 08:12 PM

Quote:

Originally Posted by Sosa

Wondering what everyone paid for their first house. I'm really thinking of getting this brand new 4 bedroom 2700 sq ft one for 230k ( asking price) in the next few weeks. Just can't make up my mind. Might just have the company build more of a custom one for me for a little bit more.

Also how old were you? I just turned 23.

dood that house would easily be double that in Vegas Now!Thats about what the prices used to be here.I paid 120,000.00 seven years ago!

Robatolla · 07-22-2005, 08:12 PM

Quote:

Originally Posted by Robatolla

dood that house would easily be double that in Vegas Now!Thats about what the prices used to be here.I paid 120,000.00 seven years ago!

For 1700sq ft.

Mr Exotic · 07-22-2005, 08:51 PM

Geez I dont know how you people in Cali and other expensive ass places make it. Being in this biz I would never get a house where I couldnt make the payments if the bottom fell out. I almost did buy a nicer house, then I had some health problems and couldnt work for a long time and if I had bought that nicer house I would have lost it for sure. Here in central Indiana I live in a pretty decent almost crime free area, my house is 1300 sqare feet (getting ready to be 1550sqft when I attach the garage to the house and convert to a 3rd bedroom). Anyways I bought it back in 2000 when I was 19 for $66,500 and put almost $20k for a down payment. My mortgage this year is like $360 a month. I am perfectly happy in my cheap house and love having such a low payment.

phogirl69 · 07-22-2005, 08:56 PM

I am still saving too. A condo where I live is in the 300k range, no houses here really in that range, average house where I live is 450k-500k. I prefer to buy a condo within walking distance of the beach, but I bet that would be around 400-500k for a small condo... Everything is expensive, it sucks bad.

My dream home would be a house by the beach, either Huntington or Laguna.. I know that has to be around a mil, so i don't think it's gonna happen

rickholio · 07-22-2005, 08:58 PM

$300k, 85 x 210' lot, 2400sq.ft + bonus + finished basement. Huge ass garage, and I insisted on getting pvc conduit for signal wiring so I can replace the copper with fiber (or whatever the future brings). Nice big ol' deck with a nice little stream running nearby, tall old oak and maple trees in the back yard that have a canopy so thick that the ground is mossy... gonna have to thin some of that out.

They're just finishing up the drywalling and taping now. I take ownership on the 18th of august. Gotta stop by the NSLB and pick up some wine boxes to pack dishes in.

PersianKitty · 07-22-2005, 09:03 PM

$432K in 1997. 4,250 sq feet, 4/5 bedrooms 2.5 baths, monster water/mountain view. Lot is 160 x 155. Now I'm told it's worth $700K easily. And it's all paid for.

May finish the other half of the crawlspace next year. That would make the square footage about 6,000

AdPatron · 07-22-2005, 09:09 PM

Quote:

Originally Posted by Sosa

Wondering what everyone paid for their first house. I'm really thinking of getting this brand new 4 bedroom 2700 sq ft one for 230k ( asking price) in the next few weeks. Just can't make up my mind. Might just have the company build more of a custom one for me for a little bit more.

Also how old were you? I just turned 23.

Do you really want to buy a house at that age? See the world a little. I waited until I got married to buy a house.

gopsycho · 07-22-2005, 09:54 PM

Quote:

Originally Posted by PersianKitty

$432K in 1997. 4,250 sq feet, 4/5 bedrooms 2.5 baths, monster water/mountain view. Lot is 160 x 155. Now I'm told it's worth $700K easily. And it's all paid for.

May finish the other half of the crawlspace next year. That would make the square footage about 6,000

Damn PK, your house is a deal even at 700k. I remeber seeing some pics of the outside a few months back...amazing!

Sosa · 07-22-2005, 10:26 PM

Very nice PK.

Any yes I want to buy a place now, I plan on staying here for quite a while. I plan on buying rental properties here also.

poisson · 07-22-2005, 10:29 PM

The closes think to a house a bought is a fishing house for 300$, never used it.

TheSenator · 07-22-2005, 10:32 PM

Congrats...250,000 would buy a one bedroom condo in Hoboken.

Sucks living on the East Coast..overvalued

Tango · 07-22-2005, 10:40 PM

First house: $392,525 (1995)
Downpayment: $82,525
Ex-wife got it - Value 2004: $665,000

darnit · 07-22-2005, 11:23 PM

316K five years ago... (26 at the time)

4 b/r 3 bath 2500+ sf. Nice seattle neighborhood at the end of a dead end street. Big backyard with deck. Now valued at well over 450K+.

Porn apparently does pay as does real estate.

CC · 07-22-2005, 11:28 PM

I bought my first house (w/ my fiance) when I was 22 for $202,000 in 2002. It's approx. 2500 sq. ft. and EXTREMELY similar houses are currently going for $450,000 - $500,000...yay for me

CC · 07-22-2005, 11:31 PM

Quote:

Originally Posted by JoesTraffic

Do you really want to buy a house at that age? See the world a little. I waited until I got married to buy a house.

Why should he wait? It's wonderful owning your own home....I bought my first when I was 22 and I am soooo glad that I did it when I did. You can still "see the world" when you're a homeowner, LOL.

liquidmoe · 07-22-2005, 11:49 PM

Quote:

Originally Posted by skinnywussy

I paid $230k for this house in 2001 at age 26. That's about half a million in bubble-money.

Dude you made my night

The Ghost · 07-23-2005, 12:14 AM

$142,000 when I was 21. About 2k sq ft.

the Shemp · 07-23-2005, 12:17 AM

15,900 (1972)

goodgirl · 07-23-2005, 12:29 AM

Quote:

Originally Posted by the Shemp

15,900 (1972)

15000 in 1991. Sold it in 1994 for 30000. Not bad, bought it on contract and only paid 161 a month, cheaper than rent.

BlueDesignStudios · 07-23-2005, 12:34 AM

Quote:

Originally Posted by Tango

First house: $392,525 (1995)
Downpayment: $82,525
Ex-wife got it - Value 2004: $665,000

damn

the Shemp · 07-23-2005, 12:36 AM

Quote:

Originally Posted by goodgirl

15000 in 1991. Sold it in 1994 for 30000. Not bad, bought it on contract and only paid 161 a month, cheaper than rent.

ya, but i'm on waterfront....well sometimes...

goodgirl · 07-23-2005, 12:40 AM

Quote:

Originally Posted by the Shemp

ya, but i'm on waterfront....well sometimes...

Damn and all I got was a neighbor that would get pulled out of bed at 5am by the cops with guns pointing to his head.....okay that only happened once. I'm sure he was pissed too, they were at the wrong house.

Shooting_Manic · 07-23-2005, 08:03 AM

I bought my first home in 89 for 67k. Fixed it up and sold in six month later for 110k. My garage is worth 110k now. Just got a second lake home to use as a studio that was 350k. There is no money in shooting porn.

Linkster · 07-23-2005, 08:21 AM

Lets see - the first one was 119,000 - lost that in the second divorce - the one I bought in 1998 was 130,000 5/6 bedrooms 4500 sq ft custom built with 5 acres of woodland, a 1 acre fishing pond, in-ground pool (added) with hottub, fireplace etc. From what Im told its worth around 250,000 now although around here thats like top price for a house.

Peaches · 07-23-2005, 08:58 AM

1800 sq feet bought for $70K back in 1983. Same house in same neighborhood goes for around $200K+ now. However, I sold it for what I owed on it 10 months after moving there thanks to a divorce (house was in my name and there was no way I could afford the payment - this was back when interest rates were around 16%). I was 22 when we bought it.

strobi · 07-23-2005, 09:10 AM

What amazes me is that people this young can loan that mutch money. Here it would be IMPOSSIBLE to loan 200K$ if you're only 23-25. It's very very rare that someone that young can earn that mutch money. It's possible if you are married and have 2 steady incomes, but alone, and this young, they'll laugh so hard and slam the door on your way out, you'll never believe it. Here, a univ graduate can loan around 100K$ with his first job (management, univ degree). Houses range from 200-500K$ here depending where you are.

Shooting_Manic · 07-23-2005, 09:22 AM

Quote:

Originally Posted by strobi

What amazes me is that people this young can loan that mutch money. Here it would be IMPOSSIBLE to loan 200K$ if you're only 23-25. It's very very rare that someone that young can earn that mutch money. It's possible if you are married and have 2 steady incomes, but alone, and this young, they'll laugh so hard and slam the door on your way out, you'll never believe it. Here, a univ graduate can loan around 100K$ with his first job (management, univ degree). Houses range from 200-500K$ here depending where you are.

Who said anything about getting a loan?

Trax · 07-23-2005, 09:47 AM

Quote:

Originally Posted by Shooting_Manic

Who said anything about getting a loan?

exactly ;)
cash baby

pornmonger · 07-23-2005, 10:13 AM

I live in Costa Mesa, CA.

$890,000 owe $16,000 on it.

J-$ · 07-23-2005, 10:14 AM

I live in a treehouse

jayeff · 07-23-2005, 10:34 AM

It's incredible how times have changed. Back in the 50's my father paid just 7,000 stirling for a 27-room 17th century house standing on 5 acres of grounds. My first house - I'm not sure if it counts because I bought it just to resell - cost me 800 stirling: around $1,500 at the time.

Property ownership is much better these days. Beginning in the Industrial Revolution, my family owned most of a couple of towns in northern England, although by the time I was a kid we only still owned 3 or 4 streets. And they were a millstone, all rent-controlled, we were getting about 20 cents a week on each house. It was a blessing when they were finally bought by the council for redevelopment.

SGS · 07-23-2005, 10:41 AM

First house cost me £45,000 back in 1982.

SouthernGirl · 07-23-2005, 10:42 AM

dont be a braggart.

thinking about getting a house is not quie the same as getting it.

post here when you close. then you'll have something to talk about.

07-22-2005, 06:08 PM	#1
Sosa In Tushy Land Join Date: Oct 2002 Location: Nebraska Posts: 40,149	How much your first house cost? Wondering what everyone paid for their first house. I'm really thinking of getting this brand new 4 bedroom 2700 sq ft one for 230k ( asking price) in the next few weeks. Just can't make up my mind. Might just have the company build more of a custom one for me for a little bit more. Also how old were you? I just turned 23.

07-22-2005, 06:13 PM	#2
Mako Confirmed User Join Date: Jul 2004 Location: The OC baby! Posts: 1,986	Jesus, even shitty Nebraska homes are up to 230k? We really are in a bubble...j/k Bought my first in the 90s for $285k, sold it two years ago for $550k. In California though that's basically a shack, the homes where I live now are all $1M or so, and smaller than the one you just listed in size. Damnit. __________________

07-22-2005, 06:14 PM	#3
After Shock Media It's coming look busy Join Date: Mar 2001 Location: "Ph'nglui mglw'nafh Cthulhu R'lyeh wgah'nagl fhtagn". Posts: 35,299	Put down payment on it when I was 23. Paid it off this month. Purchase cost was 71,000.00 Current value is around 240,000.00 (The price the house next door sold for three months ago, about same size but on a much smaller lot). __________________ [email protected] ICQ:135982156 AIM: Aftershockmed1a MSN: [email protected]

07-22-2005, 06:17 PM	#5
Elli Reach for those stars! Industry Role: Join Date: Apr 2003 Location: Vancouver, BC Posts: 17,991	In 2002 we paid $223,000Cdn for a three bedroom, three level house on a 130'x60' lot in the burbs of Vancouver. It's estimated to be worth about $290k now. I was 26 at the time. __________________ email: [email protected]

07-22-2005, 07:19 PM	#12
robfantasy Confirmed User Industry Role: Join Date: Jun 2002 Location: Medellin, Colombia Posts: 6,445	whats your current income and how long have u sustained it to get that loan im asking because of your age __________________ Looking to speak w/ high volume nutra CPA affiliates or networks... msg me

07-22-2005, 06:16 PM	#4
Sosa In Tushy Land Join Date: Oct 2002 Location: Nebraska Posts: 40,149	lol actually the prices here are about 50% more then bigger areas in the state. There is just nothing new that has been built in quite a while. With a small state college here, it keeps the prices up compared to the rest of the state. Excluding Omaha, and some parts of Lincoln. I'm in the fucking sticks clear on the western side of the state. I'm sure this house would cost a pretty penny in Cali.

07-22-2005, 06:18 PM	#7
Sosa In Tushy Land Join Date: Oct 2002 Location: Nebraska Posts: 40,149	I'm only thinking of having the same company build me one is because the family room in the basement is smaller then I would want, and the eating area is a little weird. Other then that it rocks.

07-22-2005, 06:21 PM	#9
baddog So Fucking Banned Industry Role: Join Date: Apr 2001 Location: the beach, SoCal Posts: 107,089	$32,500.00 Was 23

07-22-2005, 07:03 PM	#10
llporter Confirmed User Join Date: Jul 2005 Location: Boston Posts: 3,221	1st: still saving

07-22-2005, 07:24 PM	#13
Sosa In Tushy Land Join Date: Oct 2002 Location: Nebraska Posts: 40,149	not gonna say my income, but it has been good for a while now. Plus I do more than just my adult websites.

07-22-2005, 07:27 PM	#14
High Plains Drifter Confirmed User Join Date: Jun 2005 Location: ♠ ♣ ♥ Posts: 2,341	I paid $230k for this house in 2001 at age 26. That's about half a million in bubble-money. __________________

07-22-2005, 08:51 PM	#17
Mr Exotic Confirmed User Join Date: Dec 2003 Posts: 153	Geez I dont know how you people in Cali and other expensive ass places make it. Being in this biz I would never get a house where I couldnt make the payments if the bottom fell out. I almost did buy a nicer house, then I had some health problems and couldnt work for a long time and if I had bought that nicer house I would have lost it for sure. Here in central Indiana I live in a pretty decent almost crime free area, my house is 1300 sqare feet (getting ready to be 1550sqft when I attach the garage to the house and convert to a 3rd bedroom). Anyways I bought it back in 2000 when I was 19 for $66,500 and put almost $20k for a down payment. My mortgage this year is like $360 a month. I am perfectly happy in my cheap house and love having such a low payment.

07-22-2005, 08:56 PM	#18
phogirl69 Confirmed User Join Date: Jul 2001 Posts: 3,330	I am still saving too. A condo where I live is in the 300k range, no houses here really in that range, average house where I live is 450k-500k. I prefer to buy a condo within walking distance of the beach, but I bet that would be around 400-500k for a small condo... Everything is expensive, it sucks bad. My dream home would be a house by the beach, either Huntington or Laguna.. I know that has to be around a mil, so i don't think it's gonna happen Last edited by phogirl69; 07-22-2005 at 08:57 PM..

07-22-2005, 08:58 PM	#19
rickholio Confirmed User Industry Role: Join Date: Jan 2004 Location: Nor'easterland Posts: 1,914	$300k, 85 x 210' lot, 2400sq.ft + bonus + finished basement. Huge ass garage, and I insisted on getting pvc conduit for signal wiring so I can replace the copper with fiber (or whatever the future brings). Nice big ol' deck with a nice little stream running nearby, tall old oak and maple trees in the back yard that have a canopy so thick that the ground is mossy... gonna have to thin some of that out. They're just finishing up the drywalling and taping now. I take ownership on the 18th of august. Gotta stop by the NSLB and pick up some wine boxes to pack dishes in. __________________ ~

07-22-2005, 09:03 PM	#20
PersianKitty Meow Media Inc. Industry Role: Join Date: Jul 2001 Location: In the valley of the sun, cactus, tacos, tequila, and nod Posts: 7,785	$432K in 1997. 4,250 sq feet, 4/5 bedrooms 2.5 baths, monster water/mountain view. Lot is 160 x 155. Now I'm told it's worth $700K easily. And it's all paid for. May finish the other half of the crawlspace next year. That would make the square footage about 6,000 __________________ Wondering what webmaster programs PK uses? Check them out here! Last edited by PersianKitty; 07-22-2005 at 09:05 PM..

07-22-2005, 10:26 PM	#23
Sosa In Tushy Land Join Date: Oct 2002 Location: Nebraska Posts: 40,149	Very nice PK. Any yes I want to buy a place now, I plan on staying here for quite a while. I plan on buying rental properties here also.

07-22-2005, 10:29 PM	#24
poisson Confirmed User Join Date: Mar 2003 Location: Sea Posts: 6,474	The closes think to a house a bought is a fishing house for 300$, never used it. __________________

07-22-2005, 10:32 PM	#25
TheSenator Too lazy to set a custom title Industry Role: Join Date: Feb 2003 Location: NJ Posts: 13,340	Congrats...250,000 would buy a one bedroom condo in Hoboken. Sucks living on the East Coast..overvalued __________________ ISeekGirls.com since 2005

07-22-2005, 10:40 PM	#26
Tango Let's Tango! Join Date: Apr 2005 Posts: 1,570	First house: $392,525 (1995) Downpayment: $82,525 Ex-wife got it - Value 2004: $665,000 __________________ ADULTS.com / ADULTS.net for sale AFFILIATE.com also for sale Serious Inquiries Only: Email: [email protected] for offers

07-22-2005, 11:23 PM	#27
darnit Confirmed User Join Date: Jul 2001 Location: Teh Interweb Posts: 2,439	316K five years ago... (26 at the time) 4 b/r 3 bath 2500+ sf. Nice seattle neighborhood at the end of a dead end street. Big backyard with deck. Now valued at well over 450K+. Porn apparently does pay as does real estate.

07-22-2005, 11:28 PM	#28
CC Confirmed User Join Date: Feb 2001 Posts: 1,690	I bought my first house (w/ my fiance) when I was 22 for $202,000 in 2002. It's approx. 2500 sq. ft. and EXTREMELY similar houses are currently going for $450,000 - $500,000...yay for me

07-23-2005, 12:14 AM	#31
The Ghost IslandDollars.com Join Date: Oct 2004 Location: Icq: 176176 Posts: 12,188	$142,000 when I was 21. About 2k sq ft. __________________ ISLAND DOLLARS 1000's of Exclusive TS scenes / Constant Updates Best TS Network your surfers will ever join

07-23-2005, 12:17 AM	#32
the Shemp congrats to the winners Industry Role: Join Date: Nov 2001 Location: Echo Beach Posts: 10,891	15,900 (1972) __________________ i use Vacares...so should you Submit your picture galleries to my site...Outlaw TGP

07-23-2005, 08:03 AM	#37
Shooting_Manic Too lazy to set a custom title Join Date: Jan 2005 Location: NY Posts: 1,740	I bought my first home in 89 for 67k. Fixed it up and sold in six month later for 110k. My garage is worth 110k now. Just got a second lake home to use as a studio that was 350k. There is no money in shooting porn. __________________ SIG TOO BIG! Maximum 120x60 button and no more than 3 text lines of DEFAULT SIZE and COLOR. Unless your sig is for a GFY top banner sponsor, then you may use a 624x80 instead of a 120x60.

07-23-2005, 08:21 AM	#38
Linkster Confirmed User Join Date: Feb 2003 Location: DeltaHell Posts: 3,216	Lets see - the first one was 119,000 - lost that in the second divorce - the one I bought in 1998 was 130,000 5/6 bedrooms 4500 sq ft custom built with 5 acres of woodland, a 1 acre fishing pond, in-ground pool (added) with hottub, fireplace etc. From what Im told its worth around 250,000 now although around here thats like top price for a house. __________________ Porn Links Crak for your bank account - Get Addicted FREE LIVE CAM SHOWS

07-23-2005, 08:58 AM	#39
Peaches Old broad Join Date: Oct 2002 Location: Away Posts: 13,933	1800 sq feet bought for $70K back in 1983. Same house in same neighborhood goes for around $200K+ now. However, I sold it for what I owed on it 10 months after moving there thanks to a divorce (house was in my name and there was no way I could afford the payment - this was back when interest rates were around 16%). I was 22 when we bought it. Last edited by Peaches; 07-23-2005 at 09:00 AM..

07-23-2005, 09:10 AM	#40
strobi Confirmed User Join Date: Nov 2002 Location: Belgium Posts: 7,383	What amazes me is that people this young can loan that mutch money. Here it would be IMPOSSIBLE to loan 200K$ if you're only 23-25. It's very very rare that someone that young can earn that mutch money. It's possible if you are married and have 2 steady incomes, but alone, and this young, they'll laugh so hard and slam the door on your way out, you'll never believe it. Here, a univ graduate can loan around 100K$ with his first job (management, univ degree). Houses range from 200-500K$ here depending where you are.

07-23-2005, 10:13 AM	#43
pornmonger Confirmed User Join Date: Jul 2005 Posts: 330	I live in Costa Mesa, CA. $890,000 owe $16,000 on it. __________________ http://www.mypornoreview.com

07-23-2005, 10:14 AM	#44
J-$ Confirmed User Join Date: Mar 2005 Posts: 2,090	I live in a treehouse __________________

07-23-2005, 10:34 AM	#45
jayeff Confirmed User Join Date: May 2001 Posts: 2,944	It's incredible how times have changed. Back in the 50's my father paid just 7,000 stirling for a 27-room 17th century house standing on 5 acres of grounds. My first house - I'm not sure if it counts because I bought it just to resell - cost me 800 stirling: around $1,500 at the time. Property ownership is much better these days. Beginning in the Industrial Revolution, my family owned most of a couple of towns in northern England, although by the time I was a kid we only still owned 3 or 4 streets. And they were a millstone, all rent-controlled, we were getting about 20 cents a week on each house. It was a blessing when they were finally bought by the council for redevelopment.

07-23-2005, 10:41 AM	#46
SGS Confirmed User Industry Role: Join Date: Dec 2002 Location: Mallorca - Nottingham Posts: 5,176	First house cost me £45,000 back in 1982. __________________ See sig...

07-23-2005, 10:42 AM	#47
SouthernGirl So Fucking Banned Join Date: Jul 2005 Location: rural TN Posts: 615	dont be a braggart. thinking about getting a house is not quie the same as getting it. post here when you close. then you'll have something to talk about.