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Lucem Ferre 11-14-2019 08:03 AM

Holy **** I'm surprised I got up this early.

But grateful because I just got my sleeping pattern back on track and it started drifting away for me.

The Batlord 11-14-2019 08:04 AM

Bro you're dreaming.

Key 11-14-2019 09:42 AM

called in today to hopefully go see a doctor. not been feeling great the past few weeks and i just wanna make sure nothing is seriously wrong.

YorkeDaddy 11-14-2019 09:47 AM

Shortly after venting about the homebuying process a couple days ago here, we got some very good news from a different lender who was willing to give us a similarly sized pre-approval despite still being unable to confirm my wife's credit. Two days ago we went out looking at houses, and one was so dramatically better than the rest for the same price that we decided to pretty much immediately go all-in and put in an offer on it.

Which was accepted last night!

So pending inspection, we are officially home owners

Mindy 11-14-2019 10:00 AM

Quote:

Originally Posted by Key (Post 2090257)
called in today to hopefully go see a doctor. not been feeling great the past few weeks and i just wanna make sure nothing is seriously wrong.

hope you can see a doctor that fast... https://boxden.com/images/icons/nHXEgl8-compressor.png hope ya feel better bro

Quote:

Originally Posted by YorkeDaddy (Post 2090258)
Shortly after venting about the homebuying process a couple days ago here, we got some very good news from a different lender who was willing to give us a similarly sized pre-approval despite still being unable to confirm my wife's credit. Two days ago we went out looking at houses, and one was so dramatically better than the rest for the same price that we decided to pretty much immediately go all-in and put in an offer on it.

Which was accepted last night!

So pending inspection, we are officially home owners

https://i.imgur.com/8PLqkFw.gif

The Batlord 11-14-2019 10:17 AM

You're taking a community college art class? You could always just flush your money down an actual toilet.

Mindy 11-14-2019 10:18 AM

Quote:

Originally Posted by elphenor (Post 2090264)
flirting with a different girl in art class because the teacher made us move seats

that class is speed dating apparently

what ya drawing>? :love:

Frownland 11-14-2019 10:19 AM

You should be learning a new skill, elphenor. Don't waste your time with art.

The Batlord 11-14-2019 10:24 AM

At least pick something less depressing than a community college art class, Van Wilder.

Frownland 11-14-2019 10:26 AM

Quote:

Originally Posted by elphenor (Post 2090272)
Fine Art

*groan*

The Batlord 11-14-2019 10:32 AM

And I mean you've already stated you don't want to do anything with a degree so why do you care about graduation requirements?

Chula Vista 11-14-2019 10:33 AM

Quote:

Originally Posted by YorkeDaddy (Post 2090258)

Which was accepted last night!

So pending inspection, we are officially home owners

CONGRATULATIONS! Huge 'big boy' step! You're going to LOVE doing your taxes from now on!

YorkeDaddy 11-14-2019 10:33 AM

I took a course on Jazz appreciation or something at IU and I was loving it, however a month or two into the semester we started having these quizzes where the professor would play a clip and we would have to know who the saxophonist was just based on their playing style. And I understand that this is a thing that true, devoted fans of jazz can do, but for me it was ridiculous and basically impossible. I failed multiple quizzes in a row and had to drop the class to salvage my GPA even though I loved going to that class otherwise. It was a bummer

The Batlord 11-14-2019 10:34 AM

Quote:

Originally Posted by YorkeDaddy (Post 2090289)
I took a course on Jazz appreciation or something at IU and I was loving it, however a month or two into the semester we started having these quizzes where the professor would play a clip and we would have to know who the saxophonist was just based on their playing style. And I understand that this is a thing that true, devoted fans of jazz can do, but for me it was ridiculous and basically impossible. I failed multiple quizzes in a row and had to drop the class to salvage my GPA even though I loved going to that class otherwise. It was a bummer

Your professor sounds like an idiot.

Frownland 11-14-2019 10:36 AM

Quote:

Originally Posted by YorkeDaddy (Post 2090289)
I took a course on Jazz appreciation or something at IU and I was loving it, however a month or two into the semester we started having these quizzes where the professor would play a clip and we would have to know who the saxophonist was just based on their playing style. And I understand that this is a thing that true, devoted fans of jazz can do, but for me it was ridiculous and basically impossible. I failed multiple quizzes in a row and had to drop the class to salvage my GPA even though I loved going to that class otherwise. It was a bummer

Do you remember any examples? Because a lot of the big names are very distinctive in their playing style.

YorkeDaddy 11-14-2019 10:37 AM

Quote:

Originally Posted by The Batlord (Post 2090291)
Your professor sounds like an idiot.

Yeah it felt ridiculously unreasonable to expect students that are otherwise not music majors to be able to do that. All the other quizzes in the class had been normal, manageable stuff. This is all several years ago though, so whatever.

Quote:

CONGRATULATIONS! Huge 'big boy' step! You're going to LOVE doing your taxes from now on!
Thanks my man. I genuinely don't know what will be different when it comes to doing my taxes. I hope it's not completely dreadful

YorkeDaddy 11-14-2019 10:39 AM

Quote:

Originally Posted by Frownland (Post 2090292)
Do you remember any examples? Because a lot of the big names are very distinctive in their playing style.

I don't remember unfortunately. And I'm sure it's something I could have studied harder and eventually done well on those quizzes, but as a non-music major it just wasn't a class I was willing to put that much extra effort into. If it had been a jazz-related class for music majors then I would of course have no qualms with a professor giving those quizzes, but since it was just a generic elective option I think he was expecting way too much out of his students.

Frownland 11-14-2019 10:41 AM

You don't study jazz, you feel it, maaan.

Frownland 11-14-2019 10:47 AM

Quote:

Originally Posted by elphenor (Post 2090299)
the academic approach to music sounds horrendous even if that makes me a big stinkin pleb

Largely true. I think that Anthony Braxton has a pretty good approach. He goes into the theoretical, artistic, and deconstructionist sides of music as opposed to the traditional strictly theoretical academic method.


Chula Vista 11-14-2019 10:57 AM

Quote:

Originally Posted by YorkeDaddy (Post 2090293)
Thanks my man. I genuinely don't know what will be different when it comes to doing my taxes. I hope it's not completely dreadful

Not at all!!! Find yourself a good tax guy and spend the $200 or so it'll cost you.

You can deduct all of the interest part of your monthly mortgage payments come tax time. For the first years you're paying mostly interest so it's a massive savings.

Also, keep ALL receipts and docs for anything house related. A good tax guy will find all kinds of ways to minimize how much income you're taxed on each year.

Even 15 years into our mortgage we were getting thousands back from the gov. each year.

The government loves people who own property.
Just ask Trump!

YorkeDaddy 11-14-2019 11:01 AM

Quote:

Originally Posted by Chula Vista (Post 2090304)
Not at all!!! Find yourself a good tax guy and spend the $200 or so it'll cost you.

You can deduct all of the interest part of your monthly mortgage payments come tax time. For the first years you're paying mostly interest so it's a massive savings.

Also, keep ALL receipts and docs for anything house related. A good tax guy will find all kinds of ways to minimize how much income you're taxed on each year.

Even 15 years into our mortgage we were getting thousands back from the gov. each year.

The government loves people who own property.
Just ask Trump!

Oh okay, good ****. Appreciate the advice!

Chula Vista 11-14-2019 11:34 AM

Quote:

Originally Posted by YorkeDaddy (Post 2090306)
Oh okay, good ****. Appreciate the advice!

Also, if the home values start to drop in your area you may be able to depreciate your home value and write that off as a loss.

This is the #1 legal way that Trump avoids paying taxes. He writes off millions a year off in losses on all of his properties.

YorkeDaddy 11-14-2019 11:40 AM

Quote:

Originally Posted by Chula Vista (Post 2090308)
Also, if the home values start to drop in your area you may be able to depreciate your home value and write that off as a loss.

This is the #1 legal way that Trump avoids paying taxes. He writes off millions a year off in losses on all of his properties.

Interesting to keep in mind. However the area we are moving into is growing tremendously and home values are skyrocketing. Our $180,000 home sold for $130,000 just 8 years ago! They did a lot of updates but that's still a huge jump in price

Chula Vista 11-14-2019 11:53 AM

Quote:

Originally Posted by YorkeDaddy (Post 2090309)
Interesting to keep in mind. However the area we are moving into is growing tremendously and home values are skyrocketing. Our $180,000 home sold for $130,000 just 8 years ago! They did a lot of updates but that's still a huge jump in price

We bought our home in 1998 for $172K, right before the bubble and then subsequent 07-08 crash. Fortunately things rebounded and we sold early last year for $490K - when all was said and done me and Linda each walked away with $140K tax free cash in our pocket.

I can't stress enough about finding a good tax person. You just made the biggest investment you'll probably make in your life. Put it in good hand$.

Trollheart 11-14-2019 02:22 PM

Quote:

Originally Posted by elphenor (Post 2090167)
this math homework tonight is some bull****ttt

tedious fractions just to be tedious

Buy a dog, get it to eat your homework and then you'll be a bona fide cliche. (And don't forget a bona for a-Fido!)
Quote:

Originally Posted by YorkeDaddy (Post 2090258)
Shortly after venting about the homebuying process a couple days ago here, we got some very good news from a different lender who was willing to give us a similarly sized pre-approval despite still being unable to confirm my wife's credit. Two days ago we went out looking at houses, and one was so dramatically better than the rest for the same price that we decided to pretty much immediately go all-in and put in an offer on it.

Which was accepted last night!

So pending inspection, we are officially home owners

Congrats. :clap: Now as Batty would surely say, rent it out as a brothel and start raking in that cash! :)
Quote:

Originally Posted by Frownland (Post 2090271)
You should be learning a new skill, elphenor. Don't waste your time with art.

Haven't you heard? Art is dead, buy his ****. So become a dealer in turds.

Lucem Ferre 11-14-2019 05:07 PM

Quote:

Originally Posted by Chula Vista (Post 2090312)
We bought our home in 1998 for $172K, right before the bubble and then subsequent 07-08 crash. Fortunately things rebounded and we sold early last year for $490K - when all was said and done me and Linda each walked away with $140K tax free cash in our pocket.

I can't stress enough about finding a good tax person. You just made the biggest investment you'll probably make in your life. Put it in good hand$.

I wish I had the money to think about this stuff.

I did sweet talk the temp agency into giving me a good position that's only a thirty minute walk from where I'm living.

She was kind of condescending telling me that the winter is coming and she doesn't think I'll be able to walk the 30 minutes in the cold and I reminded her that they had me working at the airport where I had a 2 hour and 6 mile walk home every night in the cold.

Mindy 11-14-2019 05:09 PM

Quote:

Originally Posted by Lucem Ferre (Post 2090336)
I wish I had the money to think about this stuff.

I did sweet talk the temp agency into giving me a good position that's only a thirty minute walk from where I'm living.

She was kind of condescending telling me that the winter is coming and she doesn't think I'll be able to walk the 30 minutes in the cold and I reminded her that they had me working at the airport where I had a 2 hour and 6 mile walk home every night in the cold.

Invest in a cheap bike from a pawn shop bro :o:

Lucem Ferre 11-14-2019 05:14 PM

Quote:

Originally Posted by Trollheart (Post 2090323)
Haven't you heard? Art is dead, buy his ****. So become a dealer in turds.

I stole that from a Buttress shirt.

She had that, which is awesome, and another one that said, "Life is absurd, I'm gay as ****".

Lucem Ferre 11-14-2019 05:15 PM

Quote:

Originally Posted by Mindfulness (Post 2090337)
Invest in a cheap bike from a pawn shop bro :o:

Probably should, but won't need it here. I'll enjoy the 30 minute walks, to be honest.

Lucem Ferre 11-14-2019 05:27 PM

It's really weird how excited I am for another bull**** warehouse job but I'm really really happy that they let me take this.

WWWP 11-14-2019 05:34 PM

Quote:

Originally Posted by Lucem Ferre (Post 2090341)
It's really weird how excited I am for another bull**** warehouse job but I'm really really happy that they let me take this.


Congrats!

Lucem Ferre 11-14-2019 05:37 PM

Quote:

Originally Posted by WWWP (Post 2090344)
Congrats!

Thanks!

It's a weird display of, I don't know, something to do with the America's economically divided culture, when I'm probably just as excited as Yorke over his home owner ship (I'm really really jealous of you and congrats, btw Yorkedaddy) with getting some bull**** warehouse job.

Lucem Ferre 11-14-2019 05:39 PM

Quote:

Originally Posted by elphenor (Post 2090345)
a fat walk is underrated

especially if you get the music going

That's exactly what I'm talking about.

I absolutely love a good walk when you can jam out to music the whole way. I used to go on 30 minute walks at night just to isolate myself with my music when I was younger anyways.

Lucem Ferre 11-14-2019 05:47 PM

Quote:

Originally Posted by elphenor (Post 2090348)
do you really want to own a home all that much?

as a single d00d that just sounds like work to me

as unhappy as I am...it's weird I wouldn't switch places, but I wouldn't

A small home to myself, yeah, absolutely.

I used to have a 5 bedroom house (was rented with house mates) but just having your own property to yourself with out anybody telling you what you can and can't do is awesome. Have friends over for parties or whatever. Have a comfortably place for them to sleep at if they get too... what ever to go home. Having a home that you can feel completely comfortably in sounds like a heaven that I've never gotten to experience.

The Batlord 11-14-2019 05:49 PM

An actual house though? I'd rather have a small apartment where I can call the super if something breaks and there's no lawn to mow.

YorkeDaddy 11-14-2019 05:59 PM

Quote:

Originally Posted by elphenor (Post 2090348)
do you really want to own a home all that much?

as a single d00d that just sounds like work to me

as unhappy as I am...it's weird I wouldn't switch places, but I wouldn't

I’ll post pics when we settle in. It may be work but the place is ****ing awesome

One thing I’m very much looking forward to that may be weird to others is getting into gardening. Our backyard will be massive so we’ll be able to use a fair amount of land and grow all kinds of stuff. Definitely not possible while owning an apartment.

Also I’m married and we want kids, so there’s that aspect in play too

Also thanks Lucem, and congrats yourself. Make the money mannnnn

Lucem Ferre 11-14-2019 05:59 PM

Quote:

Originally Posted by The Batlord (Post 2090351)
An actual house though? I'd rather have a small apartment where I can call the super if something breaks and there's no lawn to mow.

Nah. I don't want to have to be stuck in another building with other people. Too often my hypersensitive hearing sends me into panic attacks. A small house would be dope though.

Lucem Ferre 11-14-2019 06:04 PM

Quote:

Originally Posted by YorkeDaddy (Post 2090353)
One thing I’m very much looking forward to that may be weird to others is getting into gardening. Our backyard will be massive so we’ll be able to use a fair amount of land and grow all kinds of stuff. Definitely not possible while owning an apartment.

No, that's not weird at all. Growing your own fruits and vegetables is awesome and most of all I have a real fetish for flowers especially roses. I want roses every ****ing wear. If you soak roses in different dyes you can create some pretty cool ****.

Lucem Ferre 11-14-2019 06:05 PM

Quote:

Originally Posted by elphenor (Post 2090357)
like ick gardening

you almost couldn't pay me

Dude, a good rose bush is goth as ****, you phony.

YorkeDaddy 11-14-2019 06:06 PM

Quote:

Originally Posted by Lucem Ferre (Post 2090358)
No, that's not weird at all. Growing your own fruits and vegetables is awesome and most of all I have a real fetish for flowers especially roses. I want roses every ****ing wear. If you soak roses in different dyes you can create some pretty cool ****.

Yeah it’s gonna be dope. I wanna do so much but we’ll be moving in during December in Indiana so obviously it will be a ways away from us being able to do much. Definitely excited about it doe


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