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Forum » Mind=Blown at people who RENT.
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Thread: Mind=Blown at people who RENT.

post 1451233403 07-05-2016, 02:02 PM
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Mind=Blown at people who RENT.

If you rent because youre a broke college kid, okay sure, thats understandable.

BUT if youre in your mid 20s or older, are well into your career, and you rent; you dont understand finance. So many bros i know rent while funneling money into their idiotic lifestyles.

Buddy brags about his $600 a month leased a4 while living in rented out basement apartment. LOL, dont be that guy misc.

Cliffs:
-do some accounting
-get pre approved for a mortgage
-stop being a plebeian
post 1451233673 07-05-2016, 02:04 PM
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If I wanted to be stuck in one spot and LDAR I would buy, but I like having mobility.
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post 1451233753 07-05-2016, 02:05 PM
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negging on re

lol if you don't understand that life isn't perfect and things happen
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post 1451234183 07-05-2016, 02:07 PM
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I have a 4 bedroom mid-sized home. I rented prior to owning. My wife and I are talking about separating and in the meantime I'm with mom stacking my chips to buy another home.

phuck renting again, srs.

I'd rent again if I was forced though.
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post 1451234333 07-05-2016, 02:08 PM
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not everybody can afford the deposit when it comes to buying - I was lucky
post 1451234433 07-05-2016, 02:09 PM
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Originally Posted By m1n2v5⏩
If I wanted to be stuck in one spot and LDAR I would buy, but I like having mobility.
x2

Its fine and smart if you plan on staying in the same location.
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post 1451234443 07-05-2016, 02:09 PM
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Pros/Cons about renting brosef.

Not every single person in life has a goal of having the best financial/investments. Some are fine with throwing money away for convenience.

I rented in my mid-late twenties because:
-Moved to different cities often. Why would I buy a house in every different city I lived in? Very risky short-term investment if I re-sold every time I moved.
-Don't have to be bothered with upkeep and repairs.

Now, if you're going to be squating in the same hood for a minute and are stable, of course it makes sense if you have your finances and down payment squared up. However, you shouldn't stretch yourself thin and become house poor just for the sake of buying a house or to over-compromise and end up with a chit house that you're miserable in.
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post 1451234523 07-05-2016, 02:10 PM
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Originally Posted By AGstrong⏩
If you rent because youre a broke college kid, okay sure, thats understandable.

BUT if youre in your mid 20s or older, are well into your career, and you rent; you dont understand finance. So many bros i know rent while funneling money into their idiotic lifestyles.

Buddy brags about his $600 a month leased a4 while living in rented out basement apartment. LOL, dont be that guy misc.

Cliffs:
-do some accounting
-get pre approved for a mortgage
-stop being a plebeian
LOL at your friend. $600 payment on an A4 when you can get a 1 or 2 year old CPO A6 or A7 for less.
post 1451234573 07-05-2016, 02:10 PM
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That feel when renting in Israel is 4x more expensive than in the US.
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post 1451234583 07-05-2016, 02:10 PM
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Renting is the same thing as throwing money away. Not sure why people don't just buy a house and split the cost
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post 1451234603 07-05-2016, 02:10 PM
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Originally Posted By AGstrong⏩
If you rent because youre a broke college kid, okay sure, thats understandable.

BUT if youre in your mid 20s or older, are well into your career, and you rent; you dont understand finance. So many bros i know rent while funneling money into their idiotic lifestyles.

Buddy brags about his $600 a month leased a4 while living in rented out basement apartment. LOL, dont be that guy misc.

Cliffs:
-do some accounting
-get pre approved for a mortgage
-stop being a plebeian
Recent evidence shows that renting actually is cheaper in the long run. Unless you plan on staying on one spot for a long time and raising a family, buying doesn't make much sense.
post 1451234663 07-05-2016, 02:10 PM
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Originally Posted By m1n2v5⏩
If I wanted to be stuck in one spot and LDAR I would buy, but I like having mobility.
you realize that you can just sell your property again right? thats the whole point. You buy, you fix, you sell. as a first time buyer you can resell at any time and wont get slapped by capital gains.
Originally Posted By RealAesthetic⏩
age: 24
negging on re

lol if you don't understand that life isn't perfect and things happen
life is perfect until you fuk up, which you obviously did. Good luck bro.
post 1451234733 07-05-2016, 02:11 PM
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I bought a house last year that I live in now. I'm going to rent it out later in the year for almost double my mortgage. this will allow me to live in an even nicer place. renting was super easy but if you're even half not stupid you can really make some money owning.
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post 1451234793 07-05-2016, 02:11 PM
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Originally Posted By Changedmalife⏩
Renting is the same thing as throwing money away. Not sure why people don't just buy a house and split the cost
Because when you factor in mortgage, interest, property taxes, other expenses involved in ownership, etc., buying costs a lot of money in the long run.
post 1451235053 07-05-2016, 02:13 PM
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Originally Posted By AGstrong⏩
you realize that you can just sell your property again right? thats the whole point. You buy, you fix, you sell. as a first time buyer you can resell at any time and wont get slapped by capital gains.

life is perfect until you fuk up, which you obviously did. Good luck bro.
except you can only be a first time buyer once...and selling property is not as easy as selling stuff to a pawn shop. you cant just decide you want to sell one day and wake up a week later with money in your pocket...

that being said, am currently saving up for a down payment on a house. first order of business assuming my car doesn't break down before then
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post 1451235113 07-05-2016, 02:13 PM
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Originally Posted By AGstrong⏩
you realize that you can just sell your property again right? thats the whole point. You buy, you fix, you sell. as a first time buyer you can resell at any time and wont get slapped by capital gains.

life is perfect until you fuk up, which you obviously did. Good luck bro.
Okay good luck buying your house and being stuck in the same spot for 20 years, I mean unless you can buy a house within a few years, you have no mobility so tell us how that goes for you. I'll rent until I'm ready to retire
post 1451235253 07-05-2016, 02:14 PM
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What kind of potato leases an A4 for $600cad/mo

Your buddy has bigger things to worry about if he makes decisions like that
post 1451235323 07-05-2016, 02:15 PM
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Originally Posted By AGstrong⏩
you realize that you can just sell your property again right? thats the whole point. You buy, you fix, you sell. as a first time buyer you can resell at any time and wont get slapped by capital gains.
I recently got a job offer with large salary bump in another state, starting in less than a month. Easy move when renting, not so much if I owned a home here. I like the flexibility of renting.
And how can man die better, than facing fearful odds, for the ashes of his fathers, and the temples of his gods?
post 1451235713 07-05-2016, 02:18 PM
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Originally Posted By Zackad⏩
except you can only be a first time buyer once...and selling property is not as easy as selling stuff to a pawn shop. you cant just decide you want to sell one day and wake up a week later with money in your pocket...
except unless you live in bumfuk, montana; you really can. my ****ty townhouse in toronto was on the market for 1 week before it sold for 50k over asking. bought it last year in june fopr 420k, sold it in may for 510k, closing date is sept 5th. all i did was renovate 2 baths and a powder room ~15k.

and even if youre not a first time buyer, there are many ways around capital gains and land xfer.
post 1451236303 07-05-2016, 02:21 PM
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If you reinvest your money elsewhere, it's pretty close. The slight loss in long term equity is worth the freedom and reduction in risk when renting. A house is an investment. It's not the only investment you can make.
post 1451236383 07-05-2016, 02:21 PM
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There is a lot of risk in owning a liability like a house. I suggest building up assets instead at your age.
post 1451236503 07-05-2016, 02:22 PM
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Originally Posted By Rdubbb⏩
not everybody can afford the deposit when it comes to buying - I was lucky
This. You typically need 10-20% of the home's value up front for the deposit; it's not factored into the mortgage. And with student loan debt + chitty job market most people can't afford that so they have to rent.
post 1451236533 07-05-2016, 02:23 PM
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Originally Posted By m1n2v5⏩
If I wanted to be stuck in one spot and LDAR I would buy, but I like having mobility.
This

Don;t know what it is but buying a property seems so final. No thanks jeff
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post 1451236743 07-05-2016, 02:23 PM
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Originally Posted By vsportsguy⏩


If you reinvest your money elsewhere, it's pretty close. The slight loss in long term equity is worth the freedom and reduction in risk when renting. A house is an investment. It's not the only investment you can make.
i love this vid

people assuming renting is inherently bad, such a bad attitude to have.
post 1451237833 07-05-2016, 02:30 PM
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Originally Posted By vsportsguy⏩


If you reinvest your money elsewhere, it's pretty close. The slight loss in long term equity is worth the freedom and reduction in risk when renting. A house is an investment. It's not the only investment you can make.
imo real estate is one of the lowest risk to reward investments you can make. also that video is assuming you keep the same property, which is essentially just renting.
post 1451237963 07-05-2016, 02:30 PM
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lol @ you. try and buy a home in the sf bay in mid 20s. you don't even live in the bay area
post 1451238123 07-05-2016, 02:32 PM
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Originally Posted By m1n2v5⏩
If I wanted to be stuck in one spot and LDAR I would buy, but I like having mobility.
this...

buy a house when ur ready to have a family even then you dont NEED to buy yet
post 1451238223 07-05-2016, 02:32 PM
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Originally Posted By AGstrong⏩
except unless you live in bumfuk, montana; you really can. my ****ty townhouse in toronto was on the market for 1 week before it sold for 50k over asking. bought it last year in june fopr 420k, sold it in may for 510k, closing date is sept 5th. all i did was renovate 2 baths and a powder room ~15k.

and even if youre not a first time buyer, there are many ways around capital gains and land xfer.
Age: 24

Assumes house market is the same everywhere based off his one isolated event in his isolated geographic area.

Buying a home CAN be a great investment and everything else. I will buy when I am ready to settle down and can get a house I truly want to live in for 10-15 years. Not gunna rush into a 350k investment. That's getting a decent home in a decent area where I live. You can get way cheaper of course if you wanna go to the ghetto or have a tiny ass house in a chitty location.
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post 1451238243 07-05-2016, 02:32 PM
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Originally Posted By XXLAFLAME⏩
this...

buy a house when ur ready to have a family even then you dont NEED to buy yet
bird logic.
post 1451239253 07-05-2016, 02:39 PM
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Originally Posted By BioDiver⏩
This. You typically need 10-20% of the home's value up front for the deposit; it's not factored into the mortgage. And with student loan debt + chitty job market most people can't afford that so they have to rent.
this

most people that rent cant afford to buy or they're young and not sure they want to commit to ownership
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