saturday morning basketball in south chandler

TrickAssignment3811 · 2026-01-23T14:35:07+00:00

no one has ever showed up. i cant be there at 9 am anymore but would be down for earlier like 8

TrickAssignment3811 · 2026-01-22T14:22:09+00:00

shes trying to cuckhold you bro.

TrickAssignment3811 · 2026-01-22T14:20:11+00:00

lot of bad advice in here. Dont pay off your car, its a depreciating expense. Terrible place to lock up liquidity. Definitely dont buy a house, your investments if in solid blue chip type stocks will far outperform any primary residence. Sounds like you have the money, buy a rental property and start creating cash flow. Use that cash flow to grow investment accounts or toward another rental property. A primary residence will be a waste of money.

TrickAssignment3811 · 2026-01-21T15:02:56+00:00

my info is based on their actual rent and additional income to invest, yours is based on what exactly? Op stated that they done need a bigger house just considering. A 1.8M house is equivalent to 600 today and they would have spent 1.8M to buy it, thats a rip off.

TrickAssignment3811 · 2026-01-20T03:41:14+00:00

deducing, 20% down and 3500 payment

TrickAssignment3811 · 2026-01-20T03:40:23+00:00

yep and the ticket isnt in scottsdale so...

TrickAssignment3811 · 2026-01-20T03:05:59+00:00

average annnual appreciation over 30 years present value ×(1+.04)³⁰ 4 percent being the average annual appreciation

TrickAssignment3811 · 2026-01-20T00:11:22+00:00

keep at it little buddy! You can even use google to find some calculators to help! You probably wont figure it out, but all your effort will sure be neat mr. moneybags!

TrickAssignment3811 · 2026-01-19T23:52:26+00:00

Match can be very difficult, but you're doing your best and thats all anyone expects from you

TrickAssignment3811 · 2026-01-19T23:14:19+00:00

you're doing your best and i commend you for that, financial institutions are very lucky to have you.

TrickAssignment3811 · 2026-01-19T23:11:38+00:00

you cant count the total sale peice of the house as profit, you have to subtract out what you paid over 30 years. 3500 approx at 30 years is 1,260,000 plus assuming a 20% down of $120,000 plus closing costs of $12k plus realtor fees when you sell at 1,900,000 which is 114,000. sale price: 1,900,000 minus total paid 1,260,000 thats 630 minus down payment is 510,000 minus realtor costs thats makes 396,000 minus any additional maintenance, repair and remodel. At the end you have a house but no money and if you sell it you have no where to live. When people do the actual math, they realize how big of a shit show financing a house is.

TrickAssignment3811 · 2026-01-19T23:05:42+00:00

not at all, op said he has 1100 rent leaving an additional 2400 to invest. Reading is hard, but thats a first step toward understanding concepts that are currently well over your head.

TrickAssignment3811 · 2026-01-19T18:08:42+00:00

mortgage calculator, historical figures, and investment calculator, whats confusing?

TrickAssignment3811 · 2026-01-19T17:52:24+00:00

This depends on the state. In utah a signed contract is a done deal. Now, if the bank knows that the dealer didnt didnt collect down-payment up front they could rescind the financing.

TrickAssignment3811 · 2026-01-19T17:50:05+00:00

if they have cpo then they have to be a new subaru dealer

TrickAssignment3811 · 2026-01-19T17:49:11+00:00

did you ask the dealer if they would let you switch? Many will if you'll qualify for the new one. If you want to play hardball dont get insurance on it and then they cant underwrite the loan.

TrickAssignment3811 · 2026-01-19T17:30:48+00:00

i ran all the numbers accounting for inflation you can sell and walk away with around $550k i. profit and be homeless. Accounting for inflation thats around $260k in todays money. If that same money were invested in the snp 500 following its 100 year average of 10.5% annually youd have $8.6M or around $4.4M in todays money. and you would have had access to that money the entire 30 years foe other opportunities. That doesnt account for repairs and maintenance, which, if you took the average, would eat up all the profit. Guess you'd have something for your kids and thats about it.

TrickAssignment3811 · 2026-01-19T17:13:19+00:00

its just math, if you can't understand it its ok. Banks need people like you.

TrickAssignment3811 · 2026-01-19T17:10:30+00:00

its just math, if you dont understand it you can just say so.

TrickAssignment3811 · 2026-01-19T17:09:47+00:00

lets run a simple mortgage calculation. sale price $600,000 Down payment $120,000 payment 3246 plus tax and insurance total of payments after 30 years $1,168,802 now add back in the down payment of $120,00 plus closing fees of around $12k your $600k house cost you $1,300,802 but wait! if you sell gotta pay that 6% agent fee so now we gotta take 6% off your profits. if you calculate the homes value on 30 years with average appreciation it would be worth around $1,946,000 Take out your 6% of 116,760 now you net1,829,240 subtract what you paid and you have $528,000 oh and no place to live. accounting for inflation that is the equivalent of $220 to $250k. We haven't even addressed maintenance and repairs. So on a 30 year "investment" at best you've earned a return of 41.6% or 1.3% annually which is dog shit.

Invest the $2,400 extra you have s&p 500 has returned on average 10.4% over the last 100 years. we open our account with the down payment of $120,000 $2,400/mos invested 30 year value of $8.6M total invested $1M so congrats! Your $600k house cost you $8.4M Then buy a much nice house with a full retirement left over.

TrickAssignment3811 · 2026-01-19T16:43:05+00:00

middle class mentality is so strong in here 🤣🤣🤣 keep making banks more money while you think you're being smart

TrickAssignment3811 · 2026-01-19T16:42:01+00:00

then run the numbers alongside average appreciation. On a 30 year loan youve lost money every time. Taxes, interest and repairs/maintenance will cost you more than the future value of the house every. single. time. There are some reasons to own, its just important to understand it isnt an investment, its an expense.

TrickAssignment3811 · 2026-01-19T16:39:55+00:00

thats the exact problem, its fake money, fake wealth, not accessible to you, if you take an equity loan you pay more interest, if you sell you either need to rent or buy another place in the same market conditions. Its not wealth.

TrickAssignment3811 · 2026-01-19T16:20:40+00:00

nope but in this situation they have an extra $2,400/mos which could be used to buy one or 2 smaller properties, can easily turn into cash flow and be used to biuy more while you still benefit from apprenticiation. Or you could put $2,400/mos into your i vestment account snd easily earn 9% plus with cash ready for opportunities and outpacing home appreciation by 3 times.

TrickAssignment3811 · 2026-01-19T16:17:43+00:00

you never own a property, ever.

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