/biz/ - Business & Finance

>>23114658
I travel to a new state/country every 2 months for a fortune 100 company in a corporate leadership company and will until I’m 27, six figure salary with my living expenses paid for by the company. Explain to me how your debt slavery is preferable to this.

>>23114701
Corporate leadership program* lol

>>23114701
no you don't, Kyle. you don't even have a job

>>23114658
>there are "men" who find this overexposed/filtered e-thot buffoonery attractive

>>23114713
>lol
underage

>>23114714
Get rekt debt slave. Bow before a real chad.

>>23114658
If I own a home I have to pay utilities + 5K in property taxes every year.
That’s almost 10K.
How much do you think I pay in rent?
10K

>>23114658
it's not actually always better to own a home, an investment maybe, but not your actual home, there's many reasons, don't know why this gets memed so much, owning a home is just a 4x leveraged long on the housing market

>>23114796
post airline credit card.

you won't. Why? because you're 16 years old and live with your single mother

>>23114658
not buying your overpriced bags until they are on 80-90% discount boomer
signing yourself into a 30 year debt contract where the bank owns you is NOT home ownership

>>23114811
you pay your landlord's property tax lmao rentcucks are so stupid...

>>23114658
im not buying your sheetrock shitbox for $500k grandpa

>>23114841
How about a photo ID and my employee number too? Lmao good luck holding boomer bags, debt slave

>>23114893
exactly what i though. get rekt poorfag

>>23114865
And the landlord pays the city 10K to use his basement as a sewer relief pool once a year.

>>23114658
I would cut this whore's head off if she ever came at me in an offensive situation where I feared for my life

>>23114919
You know my situation beats being a debt slave every time. You sound like a hook nosed merchant

>>23114658
>paying to live somewhere
im just living with my dad until he dies and inheriting his house. never spent a dollar on a home and never will

>>23114958
post one single tangible piece of evidence you even have a job (you wont)

>>23115085
Why in the world would I jeopardize my career posting proof of me on a Laotian fisherman’s business and finance board that specializes in speculating on Indonesian internet money scams?

>>23115138
>no pic
didn't even bother reading your lame reply lmao what a loser

>>23114658
I would fuck the life out of this bitch

>>23114658
>make thots great again
what did he mean by this?

>this guy is back
Fuck sakes /biz/

>>23115138
Laos has no coast and fuck all lakes

>>23114658
You're an attention whore for /biz/ (You)s, and a coomer for ethots on top of that. No one should take your advice on anything.

Just bought a house. My apartment was a 2 bedroom for $600 a month. Bought house for $205,000. Already $13,000 in, downpayment and closing costs plus the cost of fridge and stove. I would have rather invested that money

>>23115681
a $120,000 house is comparable to a $600/ month 2BR apartment as far as quality and neighborhood. sorry you're bad with money

>>23114658
My rent is $350/month and I have fuck-all responsibilities outside of doing dishes.

Have fun doing house maintainance for the rest of your life only for you sell eventually, but you will already be rich anyway, so it literally won't matter. Meanwhile I was having fun AND getting rich the entire time.

Cuck.

>>23114658
Buy house
Woman steals it
Lmao

There is no such thing as home "ownership" ...true allodial title doesn't exist.

You are all peasants for Jews, not Chads.

>>23114658
a house is basically a shackle to keep you wageslaving while you try to pay off a mortgage for the rest of your life. fuck that

It's wrong to think rent or housing is an absolute bad. It really depends on what your needs and long-term goals.
Generally speaking renting is ideal in the beginning of your life/career to allow mobility, and owning a house once you settle down is the better long-term investment.
Paying a mortgage is just as cucked as paying a landlord anyways since you're giving a fuckton of interest to a bank that got it's funds from the Fed Reserve banking system.

Rent the pod

Live in the pod

Success

>>23115681
then you had a shitty realtor who didn't get your closing costs covered
not to mention YOU HAD TO BUY THE FRIDGE AND STOVE
jesus you got took anon

>>23116031
>.true allodial title doesn't exist.
uh.. yes it does? theres steps you can take to get alloital title and its legal

How to decide if home ownership is for you;

>are you going to live in the same city for 15-30 years?
>do you make enough to cover the down payment, closing costs, furniture, and years maintenance?

If the answer to both of those is yes then by a fucking house. If you answered no to either one dont buy a fucking house. /thread stop making these threads now

Will I own a home? Someday. But what’s the rush? It’s not a miracle investment like you retarded niggers think, you have property tax, utilities home improvement, repairs, insurance, and most obviously mortgage. If you really want it immediately at 25 you’ll have to rent it out to boring normies in your area to even think about paying for it.

Being a rentchad is the way to go especially in your 20s. You can live somewhere you would want to live while you’re young but not necessarily when you’re old. You can live in a place with nightlife and take chicks back to your bachelor pad at 3am.

>>23116274
if you see a good investment opportunity then it can be advantageous.
but if you dont live in the midwest theyre hard to find

this is such a bait thread, god it pangs meeee

>>23115180
you and 5 billion other Pajeets paying her on onlyfans

>>23114658
tfw live in a city where property goes up by an exponentially retarded rate every year

If I actually manage to get a down payment I think I'll have fucking made it

>>23116274
no, still buy a house, and if you move, rent it out, and let the rent cover the mortgage/property taxes/maintenance. millions of boomers do this, why cant you?

>>23115381
just let him do his thing, its been a while since ive seen the housing merchant posts

>>23116560
>property taxes
>maintenance
>tenant drama
>insurance
>realtor fees
>escrow fees
>interest
>risk of going underwater
>mortgage insurance

Gee Idk

IDGAF if it's a good or bad investment.

I just want to be a land owner so I don't have to put up with HOAs and landlords any more.
I want to be able to do what I want with my property, make the changes to my home that I want to. Not have to pretend that some of my pets exist. Even if it ends up being more costly than renting.

https://youtu.be/DpcMl9XP55M

Watch and learn, cucklet

The Greeks considered renters unmanly and only slightly above slaves. Imagine not owning land, a resource so plentiful and abundant since the dawn of time

>25 year old boomer
>bought investment property off my dad
>granted 60k in equity
>sold at what he got it for
>228k loan on 370k house
>covered literally all closing fees
>1258 interest principal insurance a month
>rent to 2 roommates at 750 a piece

It's literally that easy

>>23117091
You only make $242 bucks in profit every month?

>>23117123
Yea but I live in it and have two rooms one being my office

>>23114658
>bought a condo at 26
Damn I missed the cutoff for being a human being according to some cunt, how will I go on?

>>23114658

such is my lot

>>23115955
Where do you live? Roommates or section 8?

Software wagies are better off renting early in their career at least until 30-35.

For the really high paying tech companies FAANG+, interviews can be a dice roll and you can only apply once a year. Transferring teams within companies is harder than applying for a new job at a new company.

I grew up on the west coast, had to take a job in the northeast when I graduated since it was the highest TC and the only good company that gave me an offer. 3 years later I did the gauntlet again and got an offer from facebook in SF and another good company there, took facebook offer because it was highest TC. Got rejected from all the other faang+ companies. It's been a year and a half now, so I'm going to start applying again.

Renting doesn't make sense in my scenario.

If we are talking about a retail wagie or low tier wagie, moving to a rural area and buying a house is way better than wage slavery in a city. But they are staying there for experiences and tinder meat, and losing out on net worth. If that's the claim you are making, then I agree with you.

For tech wagies like me, it makes more business sense to maximize income for now and then coast as managers/architects based on our resumes in places we actually want to live and buy a house later.

>>23114658
Stfu dude , debt is the money of slaves and thats why they abolished slavery they had a better way of doing things and tell that mongrel whore to shave her back for christ's sake

In my area, the average house that isn’t in the middle of nowhere/the ghetto is about 600k

I got about 45k saved up and a credit score of 760

What are my chances?

I feel bad for people who still dream of owning a house when they are 30. They never made it and never will, mommy and daddy gave me the house for free. Sucks to be you.

>>23117265
Don’t live in a shit state????

>>23117297
You have a little penis

>>23115016
>t. leech (cousin and close relative to the common household jew)

i know freeloading niggers like you irl. stop being a burden to other people.

>>23117297
You probably still cry and throw tantrums if things dont go your way... you fucking baby

>>23114658
Can NEETs rent? is that a thing? I assumed they were all living with their parents/family or at least being heavily financially reliant.

>>23114845
This. Simple as.

>>23117297
Good for you, but do you feel childish bragging like that? You should you weeb manchild.

>>23114658
>Rent is ALWAYS more expensive than owning a home.
Why would I evaluate just price \n a vacuum though?

>there is no "opportunity cost"
Flexibility and the fixed costs to get in.

I've tripled my salary from 60k to 180k in 3 years by being able to move. I'll get someone in here that will argue that selling a house is more flexible, but it certainly doesn't seem like it to me. When you make good money, the price difference of renting vs buying becomes less significant.

What matters is your net worth going up over time.

Would I agree that, for most people, a home is their best bet because they otherwise save little to no money and own zero stock? Yes.

It basically becomes a forced savings account that is in home equity rather than USD or shares.

>>23114658
>mfw 1% fixed interest rate for 30 year
>mfw my apartment is worth 100% more than when I bought it
>mfw housing costs are lower than renting
>mfw profits are tax free

Feels good to own

>>23114919
Where can I get Nazi silver coins from, asking for a friend

>>23114658
Dude where I live a 30 meter square place is more than €350,000, I can't envision going to debt for 30 years to still live in a cage at 50

>>23114658
Fuck home ownership

>>bow before daddys little boy

Ftfy

>>23116994
Greeks fukt little boys, and thought there were 12 gods.

>>23114658
>Rent is ALWAYS more expensive than owning a home

>>23118513
mfw you could have the money to buy the entire apartment building in cash if you had invested in BTC instead

Do you understand what NEET means retard? Wagey slavey maybe, but how the fuck can property ownership define whether or not you are a NEET?

>>23119370
Knowing myself I would probably have sold all my BTC at sub $100 - If I sold my apartment today I would have made at least 295k euro after taxes. So i cant complain

>why yes I still live with my parents how could you tell

>>23119765
Same, but only because I went full retard and got an appartment I couldn't afford, mainly cause gf really wanted it and I thought I could make it work. I couldn't. Fuck renting.

I'm still renting, but thats because I intend to emigrate within 1-2 years to Eastern Europe and buy property for 10% of the price here minus the niggers for neighbours.

>>23119980
Do you speak Urapeein'?

>>23114658
It's like not knowing about FUSE even though you've been in crypto over 4 years

kek

>>23114658
Not viable advice for people who want to live near anything.

>>23115085
Post a single piece of tangible evidence you own a home incel LARPer

>>23119878

Same. And the rent was actually increasing during covid. Paying cheap rent at my parent's place while I try to find something else.

>dude properties appreciate every year

yeah and in a few years i can sell my appreciated property to buy another appreciated property to live in for a net gain of absolutely zero

either you are buying another house at the dip, which means you're selling your own at the dip, or you're selling your home at the tip which also means you'll by buying at the tip

it's all so tiresome

TFW paying €600 rent for a house worth €450k in a city center.

>>23116031
This is the real redpill. It doesnt matter if you own or rent. Even after you "own" your house you still have to pay property tax which is just a land lease with extra steps. Not to mention most governments state/local whatever will be raising taxes because burrrrrrrr thats why.

So really whatever is cheaper for housing is what wins. Unless you want to flex like a nigger.

>>23122777
Even kek agrees. Peace be with my frens.

Home people, I have a question.
I bought a house 3 years ago and need to move. Within that 3 years the roof was damaged and the foundation started settling really hard.

Naturally, everyone that looks at the house is wanting me to replace the roof.
Before you say to call insurance, I did and they approved a whole roof replacement at a 6000 deductible, so they gave me 3 grand. I was unemployed at the time and was using my savings to bridge me over to the next job (took 6 months), so I did a roof patch over the problem area.

Basically, no one is going to buy the house. It's been on and off the market for almost a year. I had one buyer bail because they couldn't find their DD214. I had one cash buyer buying a college home for their kids but they wanted the roof replaced. I offered to pay half the roof instead of closing costs.

It's not selling. Should I rent it out or what should I do? If I'm replacing the roof in cash then there's no point trying to sell it because I would have to price it way over comps.

>>23114658
>locking yourself into 30 years of debtslavery when you're 3 years into your career
renting is for moronic cuckholds but buying a house at 25 is incredibly retarded.

>>23122890
mega cringe and underage

>>23114701
I travel to a new state/country every 2 months for a fortune 100 company in a corporate thick and deep dick sucking company and will until I’m 27, six figure salary with my living expenses paid for by the company. Explain to me how your debt slavery is preferable to this.

>>23114658
>you're entering the land of NEETdom
For me, that's making it. I'm this close from being rich enough to be able to live a sustainable NEET lifestyle. Cope

>>23123860
>I'm this close
kek what a retard

>>23116560
Isn't that a contributing factor for the absolute state of millennials and home ownership?

Right back at you buddy =^)