Random thoughts thread

[Ultramaroon]

Originally Posted by AznKirby

Old people complaining about hipsters.
"I was your age before it was cool, man"

Hipsters aren't cool. The real cool comes from not giving a fuck about appearances.

[Special_K]

Good day fine people of the internet! Today I head to get pre-approval for a loan towards my first home... This growing up business is both incredibly liberating and insanely mundane all at the same time.

[Tcoat]

Originally Posted by Special_K

Good day fine people of the internet! Today I head to get pre-approval for a loan towards my first home... This growing up business is both incredibly liberating and insanely mundane all at the same time.

You get used to it believe me!

[echo419]

Originally Posted by Special_K

Good day fine people of the internet! Today I head to get pre-approval for a loan towards my first home... This growing up business is both incredibly liberating and insanely mundane all at the same time.

congrats! just closed on my first home Tuesday.

[gramicci101]

Originally Posted by Special_K

Good day fine people of the internet! Today I head to get pre-approval for a loan towards my first home... This growing up business is both incredibly liberating and insanely mundane all at the same time.

You know, my hands didn't shake at all when I signed for my first house. That may have been an indication that I was making a mistake. Oh well. Next time...

[Special_K]

Originally Posted by Tcoat

You get used to it believe me!

I'm already starting to embrace it, and that's the scary part. In the span of two years I went from pulling all-nighters out on the town with friends, to getting excited at the chance to go to bed at 10:00... What the hell is happening to me?!

Originally Posted by echo419

congrats! just closed on my first home Tuesday.

Congrats to you too man!

Originally Posted by gramicci101

You know, my hands didn't shake at all when I signed for my first house. That may have been an indication that I was making a mistake. Oh well. Next time...

Is that the indicator? Shaky hands = good decisions? I'm not sure that's a theory worth testing!

[babydriver]

Originally Posted by echo419

congrats! just closed on my first home Tuesday.

Uh, oh! Minivans are next.

[soulreapersteve]

Originally Posted by Special_K

Good day fine people of the internet! Today I head to get pre-approval for a loan towards my first home... This growing up business is both incredibly liberating and insanely mundane all at the same time.

Congrats! I want to be in your shoes in about 10 years or so

Piggy backing off Special's post, I sat down and did some financial calculations. Checked my credit score and no surprise, its shit. Mostly because I have no credit history. If I were to get the Twins now, it'll be at 14% APR ($606/month before taxes,etc. with 5000 down payment). I nearly shed tears at that number. I just need like 70 points to get to Scion's 0.9% deal but thats not going to be for months.

Checking with my credit union, the highest APR is 8.25% (which I dont mind) but they only cover max 70% of sticker or MSRP. So... I have to put down 7500 anyways. That ends up to be around 360/month or so for 48 month loan.

Either way, I have to play the waiting game. Its damn agonizing and I kinda wish that I never went to take that test drive. But would I rather pay 10 grand of interest for a 26 grand car or 2-4 grand (or 500 if I can get the 0.9% deal)? My head over my heart

Wish I got a credit card at 18 instead of putting it off for 5 years -_-

[gramicci101]

Originally Posted by Special_K

Is that the indicator? Shaky hands = good decisions? I'm not sure that's a theory worth testing!

It was the largest amount of debt I had ever signed my name to, so I assume I should have been a little nervous about it.

[AznKirby]

What did I miss? @Tcoat is top & @Ultramaroon is bottom?

Also, I think I've angered the man. LOL

Related:


I'm trying to get on Tcoat's level of related images. Doesn't seem to be working as well as him

[Ultramaroon]

Originally Posted by Special_K

Good day fine people of the internet! Today I head to get pre-approval for a loan towards my first home... This growing up business is both incredibly liberating and insanely mundane all at the same time.

I see an 86 housewarming party in your future. Congrats!

[Special_K]

Originally Posted by gramicci101

It was the largest amount of debt I had ever signed my name to, so I assume I should have been a little nervous about it.

Gorramit gramicci101! Now you got my hands shaking.

[Special_K]

Originally Posted by Ultramaroon

I see an 86 housewarming party in your future. Congrats!

Anytime good sir! Priority #1 of my housebuying, a big ass garage for the car and jetskiis. If you ever traverse the I-5 hit me up... I might not have furniture, but I'll have beer!

[Ultramaroon]

Originally Posted by AznKirby

What did I miss? @Tcoat is top & @Ultramaroon is bottom?

Also, I think I've angered the man. LOL

Yeah, but he's good for the reacharound. Besides, he's way more clever than me.

edit: How did you anger the Man?