Art_Critic Posted August 10, 2008 Share Posted August 10, 2008 I bought mine 3 months ago. 3 months is all you have owned your home.. all this bragging and you haven't even made a tax payment yet.. You should be proud you were able to buy a home.. it is a good thing for your future.. but please stop ramming it down our throats.. We get it... You are right.. my first home I bought about 22-23 years ago.. real estate wasn't as inflated as it is today.. but also wages weren't what they are today either.. It is all relative... The home I live in today wasn't bought 23 years ago.. I bought it about 7-8 years ago.. You have to remember something as well... Long Island has some of highest foreclosure rates in the US today.. it is the highest in NY... LI is ranked 67th highest out of 100 in the number of foreclosures in the US.. The real estate market is in the process off making a correction.. Not sure if you understand what that means.. Home prices in LI are dropping like a rock.. Unless a home was bought at well below market value then a home bought 3 months ago is worth less today than when it was bought... Look out for 2009.. when the subprimes reset.. Suffolk and Nassau counties accounted for 33 percent of subprime loans that were made in 2006 in New York State and that are now in foreclosure, according to a report to be released tomorrow by the Empire Justice Center, a nonprofit law firm that advocates for low-income families. The analysis, based on data from the Federal Reserve Bank of New York, shows Long Island at the top of the mortgage crisis in the state, the Albany-based center said. The group will publicize the 80-page report, which will show foreclosure and default rates across the state and talk about solutions and the impact on minority communities. Long Island's foreclosure rate equates to 12,936 subprime loans, the report said. At the same time, Long Island has 30 percent of all subprime loans scheduled to be reset before October 2009, according to the study of subprime loans given out in 2006 Link to post Share on other sites
lovestruck818 Posted August 10, 2008 Share Posted August 10, 2008 3 months is all you have owned your home.. all this bragging and you haven't even made a tax payment yet.. You should be proud you were able to buy a home.. it is a good thing for your future.. but please stop ramming it down our throats.. We get it... You are right.. my first home I bought about 22-23 years ago.. real estate wasn't as inflated as it is today.. but also wages weren't what they are today either.. It is all relative... The home I live in today wasn't bought 23 years ago.. I bought it about 7-8 years ago.. You have to remember something as well... Long Island has some of highest foreclosure rates in the US today.. it is the highest in NY... LI is ranked 67th highest out of 100 in the number of foreclosures in the US.. The real estate market is in the process off making a correction.. Not sure if you understand what that means.. Home prices in LI are dropping like a rock.. Unless a home was bought at well below market value then a home bought 3 months ago is worth less today than when it was bought... Look out for 2009.. when the subprimes reset.. 100% right- and that is why so many people are living at home longer & longer these days! LI has a ton of foreclosures b/c it is very difficult to afford to live here. Link to post Share on other sites
Art_Critic Posted August 10, 2008 Share Posted August 10, 2008 100% right- and that is why so many people are living at home longer & longer these days! and back to the OP.. I happen to agree with you... Link to post Share on other sites
Jilly Bean Posted August 10, 2008 Share Posted August 10, 2008 LI has a ton of foreclosures b/c it is very difficult to afford to live here. LOL. That is not the reason for the foreclosures, Love. I appreciate that you love LI so much, but it's not exactly paradise to many people throughout the world... but, I love your loyalty, nonetheless. Link to post Share on other sites
spookie Posted August 10, 2008 Share Posted August 10, 2008 I'm with Vonerik on all the comments aimed at the OP but I wanted to add something that I think is on-topic. OP, obviously you want to be in a relationship, or you woudln't be posting. How would it work with your nonsaving boyfriend? Would you move him into your parents' house, or downgrade on your lifestyle in order to afford your own place, or expect him to foot the bills, or what? I mean it sounds like he's all stretched out financially, while you have no desire to even find out what things cost, since your parents don't want you to. What would you do if you got married or if the R became more serious or whatever? Link to post Share on other sites
vonerik012 Posted August 10, 2008 Share Posted August 10, 2008 No, I didn't, but that was by choice. I'd rather be the love toy of a Greek army battalion than live in the suburbs at 25. I far preferred being a downtown, city girl and spending huge amounts on rent and having my independence and not living at home, than sponging off the folks to save money so I could move to the 'burbs and live amongst the soccer Moms at 25. But, this was about the OP, and not you, Love - lol. She is 35 and still living at home. At least you got out before you were 30! This made me laugh..But it is so true. I would much rather live my life in the city, than be a single man living with families in the burbs. I would not live there if I was given a home for free. Link to post Share on other sites
lovestruck818 Posted August 10, 2008 Share Posted August 10, 2008 This made me laugh..But it is so true. I would much rather live my life in the city, than be a single man living with families in the burbs. I would not live there if I was given a home for free. It's not that bad...and I actually live in a beach community...everyone here is pretty young. Link to post Share on other sites
stillafool Posted August 10, 2008 Share Posted August 10, 2008 but I would like to hear one good excuse, one good reason why people don't go & get college-educated these days. If it's financial reasons, that's bologna- you can get aid or take out a loan. If it's b/c someone doesn't like it- too f'n bad, there is a lot of stuff in life we aren't going to like. If it's b/c of it's hard, boo-frickity-hoo...the challenges in life are what makes one a stronger person. Not going to college to me just pathetic and stupid. I guess you call -farmers (who provide your food) -trash men (who hall your stinking trash away) -construction people (who maintain your highways and build your home) -maids (who clean up after us) and all the other people in this world who do the things that people with a college degree think they are too good to do pathetic. Who is really pathetic? Link to post Share on other sites
lovestruck818 Posted August 10, 2008 Share Posted August 10, 2008 [/b] I guess you call -farmers (who provide your food) -trash men (who hall your stinking trash away) -construction people (who maintain your highways and build your home) -maids (who clean up after us) and all the other people in this world who do the things that people with a college degree think they are too good to do pathetic. Who is really pathetic? but I would not want to do any of those jobs...that's why I went to college, to avoid having to do jobs like that. Link to post Share on other sites
carhill Posted August 10, 2008 Share Posted August 10, 2008 Hint: Mega-pathetic college dropout home stayer: Operates business Grows and harvests food from orchard and garden Takes out trash; hauls unburnables to dump Recently refinished remodel of master bathroom Does housework daily Even if I were a multi-millionaire, I'd still do the same. I had a couple guys (friends who are that) helping me paint my mom's house recently (yeah, I paint too, and so do they). Mega pathetic Link to post Share on other sites
vonerik012 Posted August 11, 2008 Share Posted August 11, 2008 Our educational system does not stress creativity. It teaches you how to be a good subservient worker bee. Envision a cross, with an upper left, lower left, upper right, and lower right quadrant. Upper left is working for someone, lower left is owning a business and doing the work, upper right is owning a business and have a limited role, and lower right is being an investor, or using money to make money. Success is on the right side. That is what people should strive for. When you have a sales job, and work for someone, that is the least desirable place to be. The upper left. College largely trains people to be in this position forever. A friend of mine owns a black top business. He travels the world. He does not work much at all. He averages $75,000 a month. I can give about 20 real life examples of people who never went to college that have wonderful lives. Lives in which they are not working 15 hours a day to pay a mortgage. Link to post Share on other sites
Cherry Blossom 35 Posted August 11, 2008 Share Posted August 11, 2008 Hint: Mega-pathetic college dropout home stayer: Operates business Grows and harvests food from orchard and garden Takes out trash; hauls unburnables to dump Recently refinished remodel of master bathroom Does housework daily Even if I were a multi-millionaire, I'd still do the same. I had a couple guys (friends who are that) helping me paint my mom's house recently (yeah, I paint too, and so do they). Mega pathetic You are a renaissance man, Carhill... Link to post Share on other sites
lovestruck818 Posted August 11, 2008 Share Posted August 11, 2008 Our educational system does not stress creativity. It teaches you how to be a good subservient worker bee. Envision a cross, with an upper left, lower left, upper right, and lower right quadrant. Upper left is working for someone, lower left is owning a business and doing the work, upper right is owning a business and have a limited role, and lower right is being an investor, or using money to make money. Success is on the right side. That is what people should strive for. When you have a sales job, and work for someone, that is the least desirable place to be. The upper left. College largely trains people to be in this position forever. A friend of mine owns a black top business. He travels the world. He does not work much at all. He averages $75,000 a month. I can give about 20 real life examples of people who never went to college that have wonderful lives. Lives in which they are not working 15 hours a day to pay a mortgage. I like where I am though...and furthermore I highly doubt your friend who owns the blacktop business is anywhere remotely close to my age. Not everyone aspires to own their own business. Doesn't mean they are any less desirable or have crappy lives. I work for someone, yes, but I have a terrific life and I don't worry about my finances b/c I don't have to. I make enough money to afford everything I want and need to and then some. Not everyone wants to be on the "right" side. Link to post Share on other sites
vonerik012 Posted August 11, 2008 Share Posted August 11, 2008 The right side is what people should strive for. Obviously. The reason you might not want to is because of your indoctrination in the school system. Being a workaholic for someone else is usually a sign of weakness. Strong, ambitious, and intelligent people get the job done, and also have the ability to enjoy life. Or at least that is what they are working towards. Link to post Share on other sites
spookie Posted August 11, 2008 Share Posted August 11, 2008 College can suck it. I got the degree, but (for me) it was just a way to buy into upper-middle-class society, which it did accomplish. I didn't learn anything. Link to post Share on other sites
Art_Critic Posted August 11, 2008 Share Posted August 11, 2008 Someone needs to be spanked and sent to their room... without their money Link to post Share on other sites
Jilly Bean Posted August 11, 2008 Share Posted August 11, 2008 Hint: Mega-pathetic college dropout home stayer: Operates business Grows and harvests food from orchard and garden Takes out trash; hauls unburnables to dump Recently refinished remodel of master bathroom Does housework daily Even if I were a multi-millionaire, I'd still do the same. I had a couple guys (friends who are that) helping me paint my mom's house recently (yeah, I paint too, and so do they). Mega pathetic The more I learn, the more I love about you, Carhill! I love that you have a garden and orchard. Link to post Share on other sites
climbergirl Posted August 11, 2008 Share Posted August 11, 2008 I like where I am though...and furthermore I highly doubt your friend who owns the blacktop business is anywhere remotely close to my age. Not everyone aspires to own their own business. Doesn't mean they are any less desirable or have crappy lives. I work for someone, yes, but I have a terrific life and I don't worry about my finances b/c I don't have to. I make enough money to afford everything I want and need to and then some. Not everyone wants to be on the "right" side. Don't be so sure. My ex-husband started his own business (computer/modems) in the mid 80's and he was in his early 20's. My brother and his wife started a catering business in his late 20's. They both do very well-and neither went to college, btw. And you know why not everyone aspires to own their own business? Because it's fricken hard work! Think about the myriad of business skills one needs to possess to make their company work-marketing, accounting, time management, quality control, public relations, administration...the list is exhausting. Their work ethic is admirable. And has nothing to do with college. Link to post Share on other sites
Cherry Blossom 35 Posted August 11, 2008 Share Posted August 11, 2008 The right side is what people should strive for. Obviously. The reason you might not want to is because of your indoctrination in the school system. Being a workaholic for someone else is usually a sign of weakness. Strong, ambitious, and intelligent people get the job done, and also have the ability to enjoy life. Or at least that is what they are working towards. Wow, this board just gets nastier and nastier. Love, you love your job and you get paid well to do it. You were able to buy your own home, take vacations, and go out for nice meals. Sounds like a great life to me. Link to post Share on other sites
Art_Critic Posted August 11, 2008 Share Posted August 11, 2008 Don't be so sure. My ex-husband started his own business (computer/modems) in the mid 80's and he was in his early 20's. My brother and his wife started a catering business in his late 20's. They both do very well-and neither went to college, btw. I was going to say the same thing.. when I was 26 I also owned my own company.. Link to post Share on other sites
vonerik012 Posted August 11, 2008 Share Posted August 11, 2008 It's not being nasty... Or at least that was not my intent. Calling people pathetic and stupid for not choosing to go to college is nasty. I went out with a girl from the Ukraine, and I don't know how to put it into words, but she was simply glowing, truly happy, etc. Just a healthy, happy person. That is so rare to find amongst women whom work long hours and are chasing a career. She was telling me in her country, people typically work 2 days on, and 2 days off. The rest of the time they enjoy life. In many European countries a 32 hour work week is standard. When you really think, working 15 hour days for someone else is not really something to brag about. How are we manipulated into doing something so unnatural, and thinking that is happiness? Maybe a 2 week vacation per year? Many people in prison also become happy, or become content. I don't think that people should strive for that either. And I started my business at 22 while going to college. Link to post Share on other sites
Cherry Blossom 35 Posted August 11, 2008 Share Posted August 11, 2008 I think if you really enjoy your work it doesn't feel like work. I work 35 hours a week and it still feels like a lot to me. I have been self-employed, and employed. There are advantages to both. For me, I had a very difficult time letting my work go when I was self-employed. It was on my mind 24/7, and I felt like I was in a prison. Now I go to work, and when I'm done, I'm done. I feel much more free now, and I'm making just as much money. To each his own... Link to post Share on other sites
climbergirl Posted August 11, 2008 Share Posted August 11, 2008 I was going to say the same thing.. when I was 26 I also owned my own company.. Aww..why did you edit? I think the work you did and the risks you took is impressive! I thought it made a great point that a lack of a college degree in no way implies a lack of motivation or intelligence. Link to post Share on other sites
Art_Critic Posted August 11, 2008 Share Posted August 11, 2008 Aww..why did you edit? I think the work you did and the risks you took is impressive! I thought it made a great point that a lack of a college degree in no way implies a lack of motivation or intelligence. Out of my comfort zone... a little TMI Thanks though... It was a huge risk for a company our size and it did keep us in the competitive game and ultimately one of the reasons we are still around today. Link to post Share on other sites
Jilly Bean Posted August 11, 2008 Share Posted August 11, 2008 Out of my comfort zone... a little TMI Thanks though... It was a huge risk for a company our size and it did keep us in the competitive game and ultimately one of the reasons we are still around today. I still read it before the delete, and I said WOWZA to myself. For real. No joke. You should be proud. Non-college grad who owned a home in his 20s that you are... Link to post Share on other sites
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