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Why I, as a Milennial, will NEVER be buying a House

 
Anonymous Coward
User ID: 63262186
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05/18/2017 10:16 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
lolz
 Quoting: Apocalypse Troll


You gave all your money to Apple Corp and spent the rest of butt plugs
Anonymous Coward
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05/18/2017 10:17 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
...


lmao

Been renting my whole life, hardly struggling.

Of course when my hot water heater goes out or the toilet starts leaking, I call the landlord and they fix it for free.

What happens when your water heater goes out?
 Quoting: Anonymous Coward 73522013


A water heater is only a few hundred bucks. A smart homeowner that is living within their means would have no problem in having it replaced. Even better if they know how to install it themselves and save the labor costs.
 Quoting: BrokenTech


That makes up probably less than 1 % of actual home owners.

That's like saying that people are going to fix their own cars or mow their own grass, it doesn't happen on a large scale.

...
 Quoting: Anonymous Coward 73522013

You obviously have never sat outside a HOme Depot or Lowes on a Saturday morning, have you?

The only people I know who pay to have their grass mowed are disabled.
 Quoting: Lily o' the Valley


i'm disabled. can't mow my grass but i CAN do most of my own home repairs. most homeowners i know have seen the value in learning to work on their own homes. in addition to saving money, it's gratifying.
BrokenTech

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05/18/2017 10:17 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
Perspective for us Non-Millenials; a 4 yr college degree can cost 100k from an 'average' accredited University. A YoY 7% increase for 25 years consecutively incidentally.

The monthly repay for this non expungible debt (bankruptcy) is $1000 per month:

"Federal Direct Loan; 4% interest rate. The repayment period on standard loans is 10 years, or 120 months.Apr 21, 2017"

Given this amount, a modest $250 car payment and a 750 rent payment, college graduate millennials could easily have 2k in loan payments.

Say that persists for 18 months, and said millennial wants to purchase a home.

Standard income to debt and income to debt plus housing debt is 28% and 36% respectively.

To meet these requirements, $5700 per month is required as income, or just over 70k a year.

Care to guess what percentage of graduating millennials from an average University are making IF they even find a job within 18 months?? Hint: <10% are over 70k.

Buying a house isn't even a mathematical option right now.

Oh, and it will get worse as Tuition doubles at the current rate with 25 years of precedence... In 10 years. Assuming R&B, somehow stays in tact, thats 150k in Debt by 2027 and 250k by 2037. That is not going to happen either. Higher Education will be bankrupt and Employers will be forced into hiring workers from Non-Accredited applicants.

OP is correct to stay out of any debt possible in this environment.

RE/Housing CAN'T mathematically continue to rise beyond mean yearly income * 3.5 or the aforementioned debt to income percentages break down entirely. Hence the invention of the NINJA, etc loans back in 2007 to keep the money train going up to the 2009 collapse. MERS, Robo signing, CDOs, CDS, Countrywide, Fannie, Freddie, corrupt appraisers. Good Times.

This will collapse again since wages don't come close to RE increases in terms of pct. Where I'm employed, there will be no cola for the 3rd time in 11 years.

Putting that completely aside for a moment... A house is not an investment, rather, a place to live, shelter and perhaps a place to raise a family.

If not paid in cash up front, it is a debt load to manage. Dropping 20% or more, eliminates the waste of PMI. Note, if you can't put down 20% and have to pay PMI, at which point 20% is finally eclipsed, don't expect a phone call informing u that it is no longer necessary &#128514;

As stated, take out the 30 yr for the lower payment obligation in case financial tragedy strikes a few years into the loan.
Think having a child airlifted to a hospital 60 miles away or further... not insured... twice... yes I know someone that has had that happen.

Prepare to pay A Lot extra on principal monthly. We rent a house and land contract another. With that money, our base payment, and extra principal, we put $3200 on principal for our current house, which is on schedule to be paid in 30 months.

The GOAL of home 'debateable' ownership is to make money BY NOT HAVING A MONTHLY MORTGAGE PAYMENT! Forget the resell part, which one can certainly make money from, we sure have, but, not having any house payment! This was our situation for 6 years and that was an awesome cash stash experience. Should be back there soon.

No other debt either is key. Pay cash for all vehicles and pay all CC debt month to month and get your double miles.

That is all &#128513;!!
 Quoting: ranjmaz


This is where you millennials have been done a great disservice. You listened to the advice of someone that you should not have. They promised you a easy way to get an education, but they never told you the downside.

Then a lot of millennials took it a step further by going after the liberal arts degrees that has no real means of landing a good job after college, but hey, it is the easiest degree to get.

Engineering, medical, scientific, etc would have been better options as far as getting a job that would have a better chance of paying the loan off. A 100k student loan to get a philosophy degree is stupid.

Last Edited by BrokenTech on 05/18/2017 10:20 PM
Anonymous Coward
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05/18/2017 10:19 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
Mom's basement is your destiny.
 Quoting: Anonymous Coward 22254598


This.
OP is a typical millennial retard.
Anonymous Coward
User ID: 74486921
United States
05/18/2017 10:19 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
Here's what you do:

RENT you're own home or apartment.

BUY properties to rent out.


Use other people to pay off mortgages on these rental properties.
You can always move into them after they are paid off.

It will take out half your taxes as well.
 Quoting: Anonymous Coward 17501290


Be careful whoever you rent your house to...
Anonymous Coward
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United States
05/18/2017 10:20 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
Some of us like renting. Some of us don't like staying in one place for too long and renting gives us some freedom where we don't feel tied down.

Call it "wrong". It's your opinion and you're welcomed to it. If home ownership is right for you, then great. For some other folks, it isn't a good fit for our lives. No need to be arrogant cocksuckers about it. I understand though, this is the Internet, so you can say anything you want without consequence. I don't hold it against you.
 Quoting: Anonymous Coward 70552997


This describes me as well.

I just prefer to be free to move if I so desire. Home ownership is OK if you never plan to leave, it makes more sense to build wealth and stability in the community you wish to live long term.

I just don't enjoy staying in the same place very long.
Anonymous Coward
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05/18/2017 10:20 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
Woe is me.. It's really nauseating to hear milennials blame boomers at every turn for what's bad in their lives.

Boomers did the best they could with the world they were given. Boomers had the same struggles that we all do. They worked their lives away trying to do the best they could for their families. Who the fuck has time to even think when the system has you chasing your own tail 24/7?

While you bitch, piss and moan about what boomers neglected to do for your generation, you might want to ask yourself this question: What are milennials doing to make things better for the next generation after them? Creating a safe place to cry on college campuses doesn't count. Oh wait.. gender neutral bathrooms.. that's a good one. Can I vomit now?

By the time you connect the dots and get the scam figured out, you'll be too tired, too old, too disgusted and too sick to do anything about it.. just like the rest of us.

Grow up and take some responsibility you piece of shit. I'd love to drop-kick you in the teeth.

If you don't like it, figure out a way to change it. You milennial kids are fucking geniuses with computers. Figure some shit out and start a revolution already. The human race needs your help dick-face.

And for the record.. I'm Gen X. Not boomer.
Anonymous Coward
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Philippines
05/18/2017 10:22 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
Do you think that your landlord is not passing on the cost of his property taxes, HOA dues, etc.? Your ignorance of the basics of business is The hallmark of millennials. Lol!
Anonymous Coward
User ID: 34398756
United States
05/18/2017 10:26 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
You gave all the reasons why you don't want to buy a house and then you blame the boomers.
why would you blame a whole group of people for something you say you don't want?
Do you see why millenniasl are mocked by society?
If you want a house work, if you don't then don't. It is your decision.
 Quoting: ac 71920217


We have an "Einstein" in the house!!!

(Or should I say Tesla?? Since Einstein STOLE most of other people's ideas??)
 Quoting: NewEarth 5D 74914079


I think you're thinking of Edison, aren't you?
Anonymous Coward
User ID: 74732331
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05/18/2017 10:30 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
...

crazyjak
You will always fail. It's in your head.
 Quoting: Anonymous Coward 74732331


WHY am I failing??

ARE YOU GUYS GONNA ANSWER THE QUESTION OR NOT???

OR ARE YOU TOO BUSY SLAVING AWAY FOR FAKE "MONEY" TO RENT STOLEN "GOODS"??
 Quoting: NewEarth 5D 74914079


We did answer your question but you are too fucking stupid to comprehend or you are not hearing what you want to hear.
 Quoting: BrokenTech


I guess I am too "fucking stupid" and "uncivilized" to understand your "superior" reasoning and explanations.

So PLEASE make it simple for me?

REPEAT IT AGAIN and in a very easy to understand form:

WHO gave THEM the RIGHT to RENT it to you??

Since it is STOLEN "goods".

And to RENT/"buy" STOLEN GOODS IS ILLEGAL??

[link to en.wikipedia.org (secure)]
 Quoting: NewEarth 5D 74914079


JUST A SIMPLE ANSWER WITH NO NAME CALLING PLEASE, BECAUSE YOU KNOW... THAT IS NOT VERY "CIVILIZED"! ;)

You must be denser than a neutron star.
Anonymous Coward
User ID: 42904014
Canada
05/18/2017 10:33 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
This is the fucking generation that makes first contact with aliens? Jeezzzzzzzzzzzzzzzzzzzzzzzzzzzzzzz
NewEarth 5D
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Brazil
05/18/2017 10:34 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
lol

ok then you can pay someone like me rent :)

we'll accumulate wealth while you will struggle to keep your head above water...
 Quoting: ^TrInItY^


lmao

Been renting my whole life, hardly struggling.

Of course when my hot water heater goes out or the toilet starts leaking, I call the landlord and they fix it for free.

What happens when your water heater goes out?
 Quoting: Anonymous Coward 73522013


your rent pays for that water heater and toilet whether it goes out or not. it also pays for interest and property taxes that you receive no tax benefits from.

when renting, you are paying for convenience and for the ability to move elsewhere with little hassle. that's good enough for many folks.

but if you know what you're doing and buy in the right area, over time, you'll almost always do better financially by buying.
 Quoting: Anonymous Coward 70079334


WHEN ARE YOU GONNA GET IT THROUGH YOUR THICK SKULL???

You NEVER EVER "buy" it.

YOU PAY PREMIUM MONEY.

TO HAVE "BENEFITS" FOR RENTING.
NewEarth 5D
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Brazil
05/18/2017 10:35 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
...


WHY am I failing??

ARE YOU GUYS GONNA ANSWER THE QUESTION OR NOT???

OR ARE YOU TOO BUSY SLAVING AWAY FOR FAKE "MONEY" TO RENT STOLEN "GOODS"??
 Quoting: NewEarth 5D 74914079


We did answer your question but you are too fucking stupid to comprehend or you are not hearing what you want to hear.
 Quoting: BrokenTech


I guess I am too "fucking stupid" and "uncivilized" to understand your "superior" reasoning and explanations.

So PLEASE make it simple for me?

REPEAT IT AGAIN and in a very easy to understand form:

WHO gave THEM the RIGHT to RENT it to you??

Since it is STOLEN "goods".

And to RENT/"buy" STOLEN GOODS IS ILLEGAL??

[link to en.wikipedia.org (secure)]
 Quoting: NewEarth 5D 74914079


JUST A SIMPLE ANSWER WITH NO NAME CALLING PLEASE, BECAUSE YOU KNOW... THAT IS NOT VERY "CIVILIZED"! ;)
 Quoting: Anonymous Coward 74732331

You must be denser than a neutron star.


I guess you are NOT going to ANSWER the question.

You LYING LOSER you.
BrokenTech

User ID: 74885369
United States
05/18/2017 10:36 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
lol

ok then you can pay someone like me rent :)

we'll accumulate wealth while you will struggle to keep your head above water...
 Quoting: ^TrInItY^


lmao

Been renting my whole life, hardly struggling.

Of course when my hot water heater goes out or the toilet starts leaking, I call the landlord and they fix it for free.

What happens when your water heater goes out?
 Quoting: Anonymous Coward 73522013


your rent pays for that water heater and toilet whether it goes out or not. it also pays for interest and property taxes that you receive no tax benefits from.

when renting, you are paying for convenience and for the ability to move elsewhere with little hassle. that's good enough for many folks.

but if you know what you're doing and buy in the right area, over time, you'll almost always do better financially by buying.
 Quoting: Anonymous Coward 70079334


WHEN ARE YOU GONNA GET IT THROUGH YOUR THICK SKULL???

You NEVER EVER "buy" it.

YOU PAY PREMIUM MONEY.

TO HAVE "BENEFITS" FOR RENTING.

 Quoting: NewEarth 5D 74914079


Ok fine, you're right.

DOrolleyes
NewEarth 5D
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Brazil
05/18/2017 10:37 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
JUST A SIMPLE ANSWER WITH NO NAME CALLING PLEASE, BECAUSE YOU KNOW... THAT IS NOT VERY "CIVILIZED"! ;)
 Quoting: NewEarth 5D 74914079

You must be denser than a neutron star.
 Quoting: Anonymous Coward 74732331


I guess you are NOT going to ANSWER the question.

You LYING LOSER you.
 Quoting: NewEarth 5D 74914079


And WHY do you INSIST in CHANGING THE FUCKING FORMAT OF THE REPLIES???


Because you are a MANIPULATIVE "EXPERIMENT" SHILL BITCH???
ranjmaz

User ID: 13791247
United States
05/18/2017 10:39 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
Our current rate is 2 5/8 btw!
NewEarth 5D
User ID: 74914079
Brazil
05/18/2017 10:40 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
...


lmao

Been renting my whole life, hardly struggling.

Of course when my hot water heater goes out or the toilet starts leaking, I call the landlord and they fix it for free.

What happens when your water heater goes out?
 Quoting: Anonymous Coward 73522013


your rent pays for that water heater and toilet whether it goes out or not. it also pays for interest and property taxes that you receive no tax benefits from.

when renting, you are paying for convenience and for the ability to move elsewhere with little hassle. that's good enough for many folks.

but if you know what you're doing and buy in the right area, over time, you'll almost always do better financially by buying.
 Quoting: Anonymous Coward 70079334


WHEN ARE YOU GONNA GET IT THROUGH YOUR THICK SKULL???

You NEVER EVER "buy" it.

YOU PAY PREMIUM MONEY.

TO HAVE "BENEFITS" FOR RENTING.

 Quoting: NewEarth 5D 74914079


Ok fine, you're right.

DOrolleyes
 Quoting: BrokenTech


I am not "right".

It is the TRUTH.

The MASONIC SCAM.

RENTING SOLEN "GOODS".

THROUGH GENOCIDE NONETHELESS.

But I guess YOU DON'T GIVE A SHIT.

AS LONG AS YOU "PROFIT".
BrokenTech

User ID: 74885369
United States
05/18/2017 10:41 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
...


your rent pays for that water heater and toilet whether it goes out or not. it also pays for interest and property taxes that you receive no tax benefits from.

when renting, you are paying for convenience and for the ability to move elsewhere with little hassle. that's good enough for many folks.

but if you know what you're doing and buy in the right area, over time, you'll almost always do better financially by buying.
 Quoting: Anonymous Coward 70079334


WHEN ARE YOU GONNA GET IT THROUGH YOUR THICK SKULL???

You NEVER EVER "buy" it.

YOU PAY PREMIUM MONEY.

TO HAVE "BENEFITS" FOR RENTING.

 Quoting: NewEarth 5D 74914079


Ok fine, you're right.

DOrolleyes
 Quoting: BrokenTech


I am not "right".

It is the TRUTH.

The MASONIC SCAM.

RENTING SOLEN "GOODS".

THROUGH GENOCIDE NONETHELESS.

But I guess YOU DON'T GIVE A SHIT.

AS LONG AS YOU "PROFIT".
 Quoting: NewEarth 5D 74914079


Fine, its the truth then. Whatever you say.

DOrolleyes
Anonymous Coward
User ID: 45425668
United States
05/18/2017 10:47 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
I think the 'homeowners' always forget they don't really own anything. They are paying 'rent' on that home for life even long after they pay off the debt.

That's not ownership.
 Quoting: Anonymous Coward 74574765


clappa
Anonymous Coward
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United States
05/18/2017 10:50 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
lol

ok then you can pay someone like me rent :)

we'll accumulate wealth while you will struggle to keep your head above water...
 Quoting: ^TrInItY^


lmao

Been renting my whole life, hardly struggling.

Of course when my hot water heater goes out or the toilet starts leaking, I call the landlord and they fix it for free.

What happens when your water heater goes out?
 Quoting: Anonymous Coward 73522013


Exactly. There's nothing dumb about renting.
Anonymous Coward
User ID: 74914931
United Kingdom
05/18/2017 10:51 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
Buy a piece of land.

Build a log cabin.

Problem solved.
 Quoting: Anonymous Coward 71745610


pretty much this. opt out, find another way.

there is no shortage of land in the usa and hence no reason for the house prices to be at where they are at = a carsh is coming, no 2 ways about it

fake stupidly low interest rates
fake inflation figures
fake dollar value
fake rigged markets
fake bust banks

it's a "house of cards" just waiting for a mild gust of wind
BrokenTech

User ID: 74885369
United States
05/18/2017 10:51 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
lol

ok then you can pay someone like me rent :)

we'll accumulate wealth while you will struggle to keep your head above water...
 Quoting: ^TrInItY^


lmao

Been renting my whole life, hardly struggling.

Of course when my hot water heater goes out or the toilet starts leaking, I call the landlord and they fix it for free.

What happens when your water heater goes out?
 Quoting: Anonymous Coward 73522013


Exactly. There's nothing dumb about renting.
 Quoting: Anonymous Coward 45425668


Nope, keep sending your money to me.
NewEarth 5D
User ID: 74914079
Brazil
05/18/2017 10:51 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
Do you think that your landlord is not passing on the cost of his property taxes, HOA dues, etc.? Your ignorance of the basics of business is The hallmark of millennials. Lol!
 Quoting: Anonymous Coward 32106283


A lot of times they don't pass it off.

A lot of times they are not even having a PROFIT.

They are just covering the costs that "buying" (Really: RENTING) a home BRINGS.
NewEarth 5D
User ID: 74914079
Brazil
05/18/2017 10:52 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
Do you think that your landlord is not passing on the cost of his property taxes, HOA dues, etc.? Your ignorance of the basics of business is The hallmark of millennials. Lol!
 Quoting: Anonymous Coward 32106283


A lot of times they don't pass it off.

A lot of times they are not even having a PROFIT.

They are just covering the costs that "buying" (Really: RENTING) a home BRINGS.
 Quoting: NewEarth 5D 74914079


SOME of the costs.

SORRY.

Such as: renting a basement.
Anonymous Coward
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United Kingdom
05/18/2017 10:56 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
Some of us like renting. Some of us don't like staying in one place for too long and renting gives us some freedom where we don't feel tied down.

Call it "wrong". It's your opinion and you're welcomed to it. If home ownership is right for you, then great. For some other folks, it isn't a good fit for our lives. No need to be arrogant cocksuckers about it. I understand though, this is the Internet, so you can say anything you want without consequence. I don't hold it against you.
 Quoting: Anonymous Coward 70552997


This describes me as well.

I just prefer to be free to move if I so desire. Home ownership is OK if you never plan to leave, it makes more sense to build wealth and stability in the community you wish to live long term.

I just don't enjoy staying in the same place very long.
 Quoting: Anonymous Coward 72574786


yep it's for when you are "settled down" with a "steady job" and these days, unless you are married with children, or tenured at a university, or have money to burn, it makes little sense paying the ridiculous prices they are asking
NewEArth 5D
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05/18/2017 10:57 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
lol

ok then you can pay someone like me rent :)

we'll accumulate wealth while you will struggle to keep your head above water...
 Quoting: ^TrInItY^


lmao

Been renting my whole life, hardly struggling.

Of course when my hot water heater goes out or the toilet starts leaking, I call the landlord and they fix it for free.

What happens when your water heater goes out?
 Quoting: Anonymous Coward 73522013


Exactly. There's nothing dumb about renting.
 Quoting: Anonymous Coward 45425668


Nope, keep sending your money to me.
 Quoting: BrokenTech


IT IS NOT MONEY.

IT IS PAPER WITH DRAWINGS and "NUMBERS" ON IT.

STUPID.



“Signs and symbols rule the world, not words nor laws.”

&#8213; Confucius
BrokenTech

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United States
05/18/2017 10:58 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
Do you think that your landlord is not passing on the cost of his property taxes, HOA dues, etc.? Your ignorance of the basics of business is The hallmark of millennials. Lol!
 Quoting: Anonymous Coward 32106283


A lot of times they don't pass it off.

A lot of times they are not even having a PROFIT.

They are just covering the costs that "buying" (Really: RENTING) a home BRINGS.
 Quoting: NewEarth 5D 74914079


Bullshit. If costs increase then so does the rent. If in a current lease then the price is set until it is up. But if it reverts to month to month then the owner can levy rent increases as they see fit. Or if the tenant wishes to sign another lease the rental payment could increase as well, but locking that amount in for another year.



As with any investment, there may not be much profit in the beginning if there is a mortgage on the rental property, it takes time to start seeing a return. Its not a get rich scheme, but good money can be made for the smart person that knows how to manage the property and finances.
BrokenTech

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United States
05/18/2017 10:59 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
...


lmao

Been renting my whole life, hardly struggling.

Of course when my hot water heater goes out or the toilet starts leaking, I call the landlord and they fix it for free.

What happens when your water heater goes out?
 Quoting: Anonymous Coward 73522013


Exactly. There's nothing dumb about renting.
 Quoting: Anonymous Coward 45425668


Nope, keep sending your money to me.
 Quoting: BrokenTech


IT IS NOT MONEY.

IT IS PAPER WITH DRAWINGS and "NUMBERS" ON IT.

STUPID.



“Signs and symbols rule the world, not words nor laws.”

&#8213; Confucius
 Quoting: NewEArth 5D 74914079


Ok man, chill the fuck out you are right once again, my apologies.

DOrolleyes
Anonymous Coward
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United States
05/18/2017 11:00 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
Homeowners actually think that they own their homes. It's so cute.
NewEarth 5D
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Brazil
05/18/2017 11:00 PM
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Re: Why I, as a Milennial, will NEVER be buying a House
This is the fucking generation that makes first contact with aliens? Jeezzzzzzzzzzzzzzzzzzzzzzzzzzzzzzz
 Quoting: Anonymous Coward 42904014


Most likely.

Since you were ALL SO WORRIED ABOUT RENTING STOLEN GOODS.

How do you feel about it all when HIGHLY ADVANCED CIVILIZATIONS HAVE FREE-ENERGY LIGHTSHIPS AT THEIR DISPOSAL???

LIGHT!!!


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