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2023-11: Warosu is now out of extended maintenance.

/biz/ - Business & Finance

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23387393 No.23387393 [Reply] [Original]

So I just got my first big girl job and it’s $70k/yr. I have a few student loans left but now I’m just wondering after doing calculations... I have enough to put like 20%+ down for a home in my area in about a year or so. I have no bills as I live with my parents. I only pay my cheap car insurance and cellphone.
No kids... no boyfriend. I’ll be 24 next year. Is it smart to buy a home at my age?

>> No.23387397

>>23387393
post feet

>> No.23387414

>>23387393
You know the rules: tits (w/ timestamp) or gtfo
why do you specifically say you're a woman, nobody cares (except for your boobs and feet apparently)

>> No.23387426

>>23387393
>$70k/yr
Who on earth would pay a woman this much money? Also you're a man.

>> No.23387431

>>23387393
homebuying is good if you can afford it but just relalize taht you will then be committed to your job. if you lose your income stream you lose the ability to pay your mortage and then you lose the house. so no taking a year off to "find myself" in italy sucking dicks and drinking wine

>> No.23387437

>>23387393
You're a big boy, figure it out yourself.

>> No.23387441

Get married and have kids or end up miserable. The choice is yours.

>> No.23387489

>>23387431
Yeah I’m not a hoe. My second plan is to keep living with my parents and save until I get married then my husband and I buy a house in full without a mortgage.... but who knows when I’ll find a husband.
>>23387426
No. I’m a woman with a meme degree working in supply chain management.
>>23387441
I want to get married but IDC about kids.

>> No.23387501

get out

>> No.23387549

>>23387393
That house is definitely Australian and if you can afford to buy a house like that on $70k a year, you must live in a regional area

Congrats.

Housing is always a great investment in Australia, the government won’t let it fail as you will have seen just recently.

>market looking shaky? Increase first home buyer grants and discounts
>pump the market full of new cash to keep property prices high

Buy a house, just don’t stretch your finances to do it as you never know when you could catch a redundancy or some shut like that and you don’t want to be forced to sell if that happens

>> No.23387557

>>23387549
I’m American
The image is just random from Google

>> No.23387569

>>23387393
m'lday. i would be honored to be your boyfriend if you will consider me
but i need proof of tits with timestamp

>> No.23387571

>>23387489
Doesn’t want to do the only thing you were put on this earth to. Ngmi.

>> No.23387601

>>23387557
Random.

Literally no other countries have houses like that with corrugated iron roofs which is why I know it’s Aussie haha

Come move here and get the house in the picture

>> No.23387607

>>23387571
Why would you want to be a breeder?

Having kids... NGMI

>Be me with vasectomy

Going to make it and not be impoverished by having a child weigh me down

>> No.23387623

>>23387607
>Going to make it
> Not going to pass on his genes.

That is by definition not making it.

>> No.23387634

>>23387393
please milady i already had a rough day today at work, my boss yelled at me
it would make my day to see some booba

>> No.23387649

>>23387393
>Put down house deposit asap
>Continue living with parents
>Become based landlord who will overcharge tenants to pay off your mortgage

That's your play anon. Also your degree might be meme, but supply chain isn't.

>> No.23387651

Op don't pay a house in cash omg. Normies are so stupid. Please do more research on finance and how you can use loans to help you. I recommend YouTube or some articles no one here is gonna help. Also get like at leaSt 1k link tokens. That's all

>> No.23387653

>>23387489
>>23387393
Why larp like this op? Biological female women do not browse here

>> No.23387683
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23387683

>>23387393
Tits or gtfo.

>> No.23387707

tits or gtfo ''big'' girl, also kill urself fatty

>> No.23387761
File: 1.75 MB, 331x240, dredd.gif [View same] [iqdb] [saucenao] [google]
23387761

>>23387393
You didn't need to mention you were a woman. You just wanted to get your IRL female privilege online. Tits or GTFO.

>> No.23388090

>>23387571
I just don’t feel an intrinsic desire for a child yet

>> No.23388104

I said leave

>> No.23388112

>>23387489
If you don’t care about kids you’re a failure of a woman. Get out and don’t come back here.

>> No.23388127

Spread your legs wide open, let me thrust in your pussy and ejeculate inside you, I may then listen to what you have to say.

>> No.23388135

>>23388090
What are you doing to find a boyfriend? Online dating? I’m an old marriedfag so learning how younger people, especially females, are approaching dating is intriguing to me.

>> No.23388146

Tits or GTFO whore

>> No.23388156

>>23387393
Are you chubby? If not maybe I can be your husband haha

>> No.23388202

I bet she is fat an ugly.

Evidence a) she writes in biz b) no bf living alone c) big girl.
She must be ugly.

OP in 5-7 years your value is almost zero. Nobody care how much you make as a women. A nice car or house isn't gonna make you more attractive. The only value women have is looks. Young age, hot body. Nobody care about high status in females or Money.

>> No.23388227

GET OUT

>> No.23388243

10/10 troll thread

>> No.23388299

>>23388112
Nobody and their kids matter in the greater scheme of things
>>23388135
I’m not trying to date rn
>>23388156
No
>>23388202
I don’t live alone. I just said I live with my parents
I know men don’t care about money... this thread isn’t about men though. I want to be successful for myself. I do everything to be proud of myself.
Yeah I read biz to learn about crypto.

>> No.23388341

you should try dropping 10 kilos and finding a man to make these decisions for you.

>> No.23388374

>>23388341
I’m not fat and I’ve been lifting 3x a week since 18.
I need to do this for myself. It’s been a dream for me to have my own cute and quaint house to cook and garden in.

>> No.23388417

>>23388374
okay stupid clitfag, if that's the case, then don't ask a bunch of men their opinion on your dreams, just go get your dreams

also, you sound a lot like the PNK thread avatar-tranny

>> No.23388467

Post naked body pic, we have to confirm for ourself you are not fat. Imagine you flirt with a nice guy online and it turns out he is 5'5 short.

It's the same for men, when we find out she is fat, we feel disgust. Not body shaming but just my preferences. Fatties are not my type.

>> No.23388532

>>23388299
>>23388374
https://www.youtube.com/watch?v=oRdxUFDoQe0

>> No.23388550

>>23388202
That’s not true. I would settle with a fat bitch if I get her house

>> No.23388563

just start an OF account

>> No.23388571

>>23387601
>Literally no other countries have houses like that with corrugated iron roofs which is why I know it’s Aussie haha

I'm American and there is a house with a roof like that on my street.

>> No.23388588

>>23388550
>I would settle with a fat bitch if I get her house
Check your genitalia you might be a roastie.

>> No.23388595

OP do you finger yourself sometimes? How do you like to masturbate. Do you rub your clit only or do you penetrate yourself with your fingers?

Do you then proceed to put your wet fingers in your mouth to lick your own puice juice. Please talk about your sexual habits

>> No.23388635
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23388635

>>23387393
Is it true that when you ask a woman how many men she's had sex with, you need to multiply her answer by 10 in order to get the real number?

>> No.23388643

>>23387393
1. Try to stay as long with your parents as possible to save more.
2. If you plan to live on your own, it's better to buy a house than to rent.
>Only landlords will disagree.
3. Depends on where you'll planning to buy a house.
4. It's a smart thing to do, but not THE smartest thing to do.

>> No.23388650

>>23387393
that’s a man

>> No.23388659

>>23387393
what's the point in saying you are female?
literally makes no difference
as always, females are seeking attention, pathetic

>> No.23388663

>>23388374
How are the housing prices in your state? You don't really need a three bedroom house if you are single.

>> No.23388666
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23388666

>>23388643
Oh you are American. I have no idea with the American housing market. It's a whole lot of different than Europe since we don't have much place and we actually use brick and mortar instead of wooden homes.

>> No.23388681

>>23388635
I'm interest in that too. How many guys did you have sex with op. Please don't lie and be honest. It's 2020, we know women are whores

>> No.23388685

>>23388588
Your just jelly u never had a shuga momma before

>> No.23388779

gtfo of here filthy slut

>> No.23388835

>>23387489
You’re 24, you should have a husband by now. Time is running out for you

And zero point to marriage without kids

>> No.23388890

>>23388835
I just turned 23
I want a life partner
>>23388635
Every woman is different

(My ID tag may be different but I’m OP.)

>> No.23388921

>>23388890
Please be my gf. I come with kids so you can just step mom them and keep your pussy intact. We are all white and I’m a millionaire thanks to link.

>> No.23388930

>>23388635

it's not a multiple of 10, the rule is you add 5 if the body count is over 10, add 3 if it's under. And yes that rule is always applicable in my experience

>> No.23388969

>>23388890
Stop replying to the incels in this thread.

How will the housing market in your area be affected by the possible upcoming crash? If the supply is low but demand is high ( like where I live) buy as soon as possible, if not, wait till after the crash to buy

>> No.23388997

>>23387393
Save your money up and wait until you find a husband that you can both put a down payment on a house with together

>> No.23389030

>>23387393
It doesn't matter what your income is. It matters what your prospects of flipping that house within your reasonable time frame are.

Are you staying in that location for 5 years and then see yourself moving on? What do you think the housing market will be like in 5 years?

Is there a lot of homebuilding going on in the area? This is not a bearish sign; it means it's a hot market.

Have you factored in maintenance and insurance expenses, as well as budgeting for emergency repairs? What about time spent cleaning or doing yard work? These aren't dealbreakers, but they are the sort of annoyances that make people regret buying a house and selling it later on, either downsizing or just changing to something newer.

Do you prefer carrying debt or do you prefer living with minimal debt load? Depending on market conditions it may be better financially to pay off your student loans and then look at buying.

>> No.23389119

>>23387393
Based. Congratulations fem slut. You may be a roastie whore, but you’ll be smarter than the average ragie wagie rent cuck.

You should look into loans that are known as Conventional Fixed Rate that require 5% down, and generally have a low interest rate. Good luck slut.

>> No.23389371

>>23388969
>If the supply is low but demand is high
how can I check for this?

>> No.23389415

>>23388969
there's no upcoming crash in real estate. a combination of increased demand due to immigration/evictions/forecloseures, and low interest rates, and inflation, is going to lead to prices going nowhere but up. now is the time to buy.

protip; when retail investors/common people start talking about 'the crash', the bottom is in, IE; it's priced in. that's all you get for free.

>> No.23389420

>>23387393
Just show your clunge on onlyfans for a few days

>> No.23389446

kys dumb whore

>> No.23389480

>>2338739
If you would like an estimate for what a housing payment would look like for your specific situation send me an email and I can get you preapproved to buy.

mortgageanon@protonmail.com

>t. loan officer

>> No.23389494

>>23387393

roasty roasty getting toasty
truth is what she hates the moasty
chad is comfy chad is cool
he fucks stacy in his pool

chad spurns roasty very quick
so she hops upon a nigger dick
roasty roasty what a fool
you get used like just a tool

stacy is married with chad's kid
tyrone flees like his father did
roasty roasty pet your cat
dying lonely growing fat

Roastie toastie on her phone
Looking for a big bad bone
Swipping left and swipping right
Hoping to find fun tonight

Roastie Toastie feeling sad
Can’t get no more dick from Chad
No beta will pay her rent
For Roastie Toastie’s snatch is spent

Hit the wall at lightning speed
Thinking you had what you need
Coke and wine and BBC
But Roastie Toastie couldn’t see

Now you look three times your age
Filled with Roastie Toastie rage
Has no drive she sits all day
Wishing she could go away

Roastie Toastie's no more good
Watching friends live life as would
Roastie Toastie feeling bad
Shoulda listened to your dad

No one wants her anymore
Roastie Toastie's just a whore
Can't have kids so get some cats
Fill your life with shoes and hats

She had goals and even dreams
All that died in her late teens
Now she's old and salt ensues
Blaming men is her excuse

Roastie Toastie looks around
Families and kids inbound
Living life and having fun
Roastie Toastie's nearly done

Roastie Toastie no more thrills
She decides to get some pills
Two at most the label read
But Roastie Toastie wants to sleep

>> No.23389509

>>23389371
Off WiFi so probably new ID. Check how long how zillow/realtor.com listings in your price range are lasting on market and how much the buyer is paying compared to asking price.

>>23389415
Everyone in NYC is fleeing. Their prices will crash for sure

>> No.23389512
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23389512

>>23387393
/thread

>> No.23389542

>>23387393
Post your tits whore

>> No.23389552

>>23387393
You could have saved yourself a lot of trouble by not saying your gender. Your gender has nothing to contribute to this conversation at hand.

>> No.23389560

>>23387393
vagene pls ma'am

>> No.23389573

>>23388127
Actually falls asleep like a boss

>> No.23389629

>>23389509
>>23389415
Also check how many new builds are goin up in your price range. Where I live all new builds are $250k+ meaning if your range is below that you are fucked

>> No.23389733

>>23389629
Just speak to a realtor in the family or anyone in the family who works in homebuilding. They'll be able to give a better sense of the market.