So I have been on CL the last 3 days looking for a new place to live when I found....

Benji49 said:
They told me that Vancouver was a bubble back in 2003, when I first bought my house.

Lots of my smart friends (I'm not being sarcastic) held off buying and kept renting, and waited for the bubble to pop. Most of them now live in the suburbs.

I wasn't a forecasting genius or anything, I had a wife and a kid at the time with another on the way. We liked living in the city and I was tired of living in rent shitholes. We could afford to buy so we did end of story.

I like my neighbourhood. I like my city. If the bubble pops and my home drops in value by 50% it's just a number on a piece of paper to me.
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Though so many downplay it, liking where you are at and being comfortable with the price/payment, that is "end of story". Providing stability and consistency is worth a lot - too many in SoCal were buying to move up or make money, not considering if they were happy or not.

Kudos to you, especially with a family.
 


ly2 from WF said:
I took out some pre-paid credit cards. I max them out and pay them all the way off each month. Guessing it will help after a few years.
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Hmmmm prepaid cards, why not just use your "debit card" ? Or are you referred to "secured cards"? But yeah if you have virgin credit get a secured card. But then again if you have bad credit, fix the shit and don't lease out some $3k+ month pad. It's not hard to fix/build credit.
 
REIMktg said:
There is a precise way to do this that will get you on solid ground - hit me by PM the day/week/year you want to get it together - even 560 FICO gets you 5% down at 4%. $2,500 buys a lot of house at today's rates/prices.
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kk

Dresden14 said:
Hmmmm prepaid cards, why not just use your "debit card" ? Or are you referred to "secured cards"? But yeah if you have virgin credit get a secured card. But then again if you have bad credit, fix the shit and don't lease out some $3k+ month pad. It's not hard to fix/build credit.
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Debit cards don't fix your credit.
 
I'm fully aware of that fact, I work with credit daily. But keep in mind, neither do those "pre-paid" cards you're using (unless its another halfway card, like that of a secured card). What I was referring too, prepaid cards are typically for poor idiot losers, people trying to hide identity or scammers. That being said, if you wanted to keep cash in an account and merely use a card tied to that account - why not use a debit card (this was my argument).

But yeah, if you don't have credit you should look into building it. If you need help, pm me.
 
Dresden14 said:
I'm fully aware of that fact, I work with credit daily. But keep in mind, neither do those "pre-paid" cards you're using (unless its another halfway card, like that of a secured card).
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I believe he meant -secured- cards, not prepaid (which can seem prepaid).

edit.

opps, saw your other post. Carry on.
 
Instead of your girlfriend getting a part time job. Why dont you hire her full time. I'd love my wife to be available the whole day.
 
what is her getting a part time job really going to accomplish anyway if your living in a 3k a month house? Does she have any degrees or specialize in anything that will make good money for a part time job?

I don't know how much you make, but you brought up the idea of your girl getting a job and paying some bills meaning you think she needs to step up and pay something. Are you putting the pussy on a pedestal or something? You don't have kids. Why the hell would you need a 3k a month house? Whats wrong with living in an apartment in the city for 1/3rd the price?

I don't know how long you've been with her, but hopefully she doesn't expect you to pay shit forever and live like a millionaire. If you guys go broke or cant afford the rich lifestyle anymore and have to move into an apartment next to pewep. Will she still stay with you?
 
erifdekciw said:
what is her getting a part time job really going to accomplish anyway if your living in a 3k a month house? Does she have any degrees or specialize in anything that will make good money for a part time job?

I don't know how much you make, but you brought up the idea of your girl getting a job and paying some bills meaning you think she needs to step up and pay something. Are you putting the pussy on a pedestal or something? You don't have kids. Why the hell would you need a 3k a month house? Whats wrong with living in an apartment in the city for 1/3rd the price?

I don't know how long you've been with her, but hopefully she doesn't expect you to pay shit forever and live like a millionaire. If you guys go broke or cant afford the rich lifestyle anymore and have to move into an apartment next to pewep. Will she still stay with you?
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what is her getting a part time job really going to accomplish anyway if your living in a 3k a month house? Does she have any degrees or specialize in anything that will make good money for a part time job?
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she has a degree in CSI

I don't know how much you make, but you brought up the idea of your girl getting a job and paying some bills meaning you think she needs to step up and pay something. Are you putting the pussy on a pedestal or something? You don't have kids. Why the hell would you need a 3k a month house? Whats wrong with living in an apartment in the city for 1/3rd the price?
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Because if she gets a parttime job then it means we can move into a 3k - 3.3k place and I wont have t actually adjust anything money wise. I'd just rather not pay the extra $500 or so over our current rent. I could, but I'd rather not.

As for living in an apartment, I have zero interest. I fucking hate the city and even though I live in a luxury condo, I hate it. I mean, I like the interior but the size and location sucks shit. I don't like pulling out of my building and seeing bums and pan handlers. Not to mention the crime. A cop was shot in the face 200 yards from my fucking house a few weeks ago, who the fuck wants to live in conditions like this? I feel like I live in a 3rd world country.
 
ly2 from WF said:
As for living in an apartment, I have zero interest. I fucking hate the city and even though I live in a luxury condo, I hate it. I mean, I like the interior but the size and location sucks shit. I don't like pulling out of my building and seeing bums and pan handlers. Not to mention the crime. A cop was shot in the face 200 yards from my fucking house a few weeks ago, who the fuck wants to live in conditions like this? I feel like I live in a 3rd world country.
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Might be a good time to move to a place like South Dakota or Wyoming. Lots o' whites and both are ranked in the top 2 for low business taxes. Also, not too far from Denver. Although, there may not be much use for a CSI degree over there considering the low number of naggers. :)

2012 State Business Tax Climate Index | Tax Foundation
 
I tend to agree with the guys saying to stay conservative and mind your overhead. I don't see the point in living in a 4k sq foot house if you don't need to.

Renting has it's place, but if you are looking at blue chip properties on the ocean and stuff I'd rather own then pay someone elses mortage. The bad credit excuse seems like, well, a poor excuse.
 
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