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10-16-2008, 05:04 PM | #89 | |
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YES I want it, NO I dont need it.. its like a mini devil on my left telling me GET IT, and a mini angel to my right telling me DONT GET IT.. ahhhhhhh... I dont want buyers remorse... |
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10-16-2008, 05:07 PM | #90 |
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If you have to ask this question, you should get the house. You'll likely regret getting the M3 for one reason or another.
But, like my man 2Pac said, money over bitches. Thus, get the M3, enjoy yourself, and forget having a family. They're not worth the hassle. |
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10-16-2008, 05:29 PM | #91 |
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a house is the biggest liability, you can ever have. You will spend more than a third of your life trying to pay it off. this is why most americans are in debt today
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10-16-2008, 05:29 PM | #92 |
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1. Get the car. It will make you VERY happy right now.
2. Rent an apartment. 3. Get a girl you want to marry. 4. Buy the house together. You do need to move out or number three is likely not going to happen. |
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10-16-2008, 05:35 PM | #93 | |
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Asian parents, view their childrens' success in life as a reflection of their own. They view children still living with their parents at an older age as not being successful, irregardless of how much they're making or saving, unless it's because the parents can't take care of themselves. It looks especially bad when a 28 year old adult buys a fancy car and still lives with their parents.
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10-16-2008, 05:36 PM | #94 |
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So what exactly are you trying to say? That no one should be buying houses unless they can pay cash? Morgtage debt is not exactly bad debt unless you got into one of those funky loans the banks have been offering to sub-primes.
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10-16-2008, 05:37 PM | #95 | |
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10-16-2008, 05:41 PM | #96 | |
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10-16-2008, 05:47 PM | #97 |
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Good point...........
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10-16-2008, 05:50 PM | #98 |
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I'm merely trying to get it back on course - didn't mean to offend.
Last edited by nullspace; 10-16-2008 at 06:08 PM.. |
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10-16-2008, 05:54 PM | #99 | |
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10-16-2008, 05:58 PM | #100 | |
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10-16-2008, 06:00 PM | #101 |
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10-16-2008, 06:01 PM | #102 |
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keep living with your parents, its all good
eventually when your parents get older approximately around their 60's you'll have to move back and live with them anyways, unless u want them to end in a depressingly crappy lifestyle at a retirement home. imagine how much money you will save from now until they are 60 if you keep living at home. plus, they could use the help in the mortgage payments, ask them to add your name to the house |
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10-16-2008, 06:02 PM | #103 |
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It's a no brainer. Especially these days.
Get a house! I saw the market starting to rise so I sold my 38k 330 and drove a 14k Mazda protege. I did this 3 years while I got used to the payments. I went from a 700 payment to a 200 payment. I bought an e46 M3 afterwards. Buy now and get a house for cheap. Then watch it go up in price the next 4 years. Then purchase an M3.
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10-16-2008, 06:05 PM | #104 | |
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And you're absolutely right, when they get old, they will definitely be living with me or anyone of my siblings, and not at no retirement home... Obviously I DO NOT plan on living with my parents until they turn 60. I have my own life to live and start my own family should the cards be in my favor and I happen to find the right one.. |
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10-16-2008, 06:12 PM | #106 |
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go for the house.. fuck the car, anything will get you from a to b.. a 335 will even do the trick...
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10-16-2008, 06:15 PM | #107 | |
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Be honest about your motivations and really think about what you're giving up to have the car. You might be able to retire earlier without it. You might lose your job and be stuck with a big payment. But I wouldn't worry about what anyone thinks of you or your car. Pleasing other people, except those close to you, doesn't tend to make you happy - at least in my experience. |
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10-16-2008, 06:34 PM | #108 | |
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I think you just answered your own question... |
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10-16-2008, 06:34 PM | #109 |
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I would not be buying a M3 on a $80k salary, but it's your money.
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10-16-2008, 07:08 PM | #110 | |
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you're 28, make $80k, and have $100k saved--you're pretty good at planning. why lose a big chunk that gains about 4-8per cent/year to something that loses about 20% (if what i've read is correct) per year? it goes against what you've planned for. buy a house if you like it, not because of the possible investment (real estate typically gains about 3-5% annually, other than tax deductions, it isn't a real investment imo). $80,000 = +/- $7000/month salary $7000 - (33% state/fed/fica taxes) - (10% retirement) = $ 4500 _______ $ 4500/mo -- this is before contributing to your decent savings acct and paying for living expenses, not to mention the mortgage and stuff. if you have about $1000 left over to cover the cost of the m3, do it. i'd follow what a lot of people have said...get out of your parents house. independence is priceless--i'm asian, too, so i completely understand your thinking i'm in a similar income situation as you. i DESPERATELY want an m3 with their price drops/financing but i'm still driving my '02 tl pos because it's paid for whatever you decide, good luck |
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