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quote:

Originally posted by gehzumteufel In the US, owning a home is no better than renting when it comes to costs. No matter where you go (in the us), the costs of renting, when considering ALL costs for owning, are very similar. Being that I was in the mortgage industry, I am very aware of the costs of owning a home both mortgage payment, maintenance, taxes, etc. So for me, I am fine renting for a few years after school and all that. Also, if I were to go to UCLA, I would only have 30k in loans.

Sorry, I thought you said 100K in loans?

Re: Re: Public vs Private Unis

quote:

Originally posted by punjabi I like how you're American, yet used the term "Unis" to appear European and hip. Kudos.

Actually, university is the correct term, as it means the actual place of learning, while the term "college" means a residence on campus of said university.

So to say you study at "college" is incorrect.

quote:

Originally posted by klingklang77 Sorry, I thought you said 100K in loans?

If I end up going to Stanford or the likes I will for sure. Stanford is 52k/yr.

quote:

Originally posted by Domesticated Actually, university is the correct term, as it means the actual place of learning, while the term "college" means a residence on campus of said university. So to say you study at "college" is incorrect.

False. In the US the term "college" is used to refer to ALL post-secondary education.

every dollar you give to a landlord is a dollar lost forever.

In Cambodia, college doesnt exist. Fact.

quote:

Originally posted by gehzumteufel False. In the US the term "college" is used to refer to ALL post-secondary education.

...and on Mars they use the word "vagina" for penis, but that doesn't make it correct.

we call our dingos dogs.

quote:

Originally posted by elFreak we call our dingos dogs.

You half-wit, a dingo is not a dog. That's like calling a lion a cat.

quote:

Originally posted by Domesticated ...and on Mars they use the word "vagina" for penis, but that doesn't make it correct.

In the context of his statement and your response, it was. Colloquialisms aren't going to necessarily be right in the way others around the world use them, but that doesn't make them incorrect. Just like US English uses color and not colour.

quote:

Originally posted by gehzumteufel In the context of his statement and your response, it was. Colloquialisms aren't going to necessarily be right in the way others around the world use them, but that doesn't make them incorrect. Just like US English uses color and not colour.

Last time I stick up for you.

it technically is a cat

col�lege /ˈkɒlɪdʒ/ Pronunciation Key - Show Spelled Pronunciation[kol-ij] Pronunciation Key - Show IPA Pronunciation
�noun
1. an institution of higher learning, esp. one providing a general or liberal arts education rather than technical or professional training. Compare university.
2. a constituent unit of a university, furnishing courses of instruction in the liberal arts and sciences, usually leading to a bachelor's degree.
3. an institution for vocational, technical, or professional instruction, as in medicine, pharmacy, agriculture, or music, often a part of a university.
4. an endowed, self-governing association of scholars incorporated within a university, as at the universities of Oxford and Cambridge in England.
5. a similar corporation outside a university.
6. the building or buildings occupied by an institution of higher education.
7. the administrators, faculty, and students of a college.
8. (in Britain and Canada) a private secondary school.
9. an organized association of persons having certain powers and rights, and performing certain duties or engaged in a particular pursuit: The electoral college formally selects the president.
10. a company; assemblage.
11. Also called collegium. a body of clergy living together on a foundation for religious service or similar activity.
12. British Slang. a prison.
[Origin: 1350�1400; ME < AF, MF < L coll�gium, equiv. to col- col-1 + l�g-, var. s. of legere to gather + -ium -ium; cf. colleague]

http://dictionary.reference.com/browse/college

quote:

Originally posted by Domesticated Last time I stick up for you.

I can't think of a time you ever did, but ok.

1. a large, usually tawny-yellow cat, Panthera leo, native to Africa and southern Asia, having a tufted tail and, in the male, a large mane.
2. any of various related large wildcats, as the cougar.
3. a man of great strength, courage, etc.
4. a person of great importance, influence, charm, etc., who is much admired as a celebrity: a literary lion.
5. the lion as the national emblem of Great Britain.
6. (initial capital letter) Astronomy, Astrology. the constellation or sign of Leo.
7. (initial capital letter) a member of any one of the internationally affiliated service clubs (International Association of Lions Clubs) founded in 1917 and dedicated to promoting responsible citizenship, sound government, and community, national, and international welfare.
8. Numismatics.
a. a silver, Anglo-Gallic denier, issued during the reign of Henry III, bearing the figure of a lion.
b. a gold coin of Scotland, issued c1400�1589, bearing the figure of a lion.
c. any of various other coins bearing the figure of a lion.
d. hardhead2.
9. British. an object of interest or note.
�Idioms
10. beard the lion in its den, to confront or attack someone, esp. a powerful or feared person, in that person's own familiar surroundings.
11. twist the lion's tail, to tax the patience of or provoke a person, group, nation, or government, esp. that of Great Britain.


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din�go /ˈdɪŋgoʊ/ Pronunciation Key - Show Spelled Pronunciation[ding-goh] Pronunciation Key - Show IPA Pronunciation
�noun, plural -goes.
1. a wolflike, wild dog, Canis familiaris dingo, of Australia, having a reddish- or yellowish-brown coat.
2. Australian. a cowardly or treacherous person.


dog and cat are in the definition.

anthony pappa is not a great dj

quote:

Originally posted by gehzumteufel I can't think of a time you ever did, but ok.

When that guy just slagged you off for using "university" instead of "college"?

quote:

Originally posted by gehzumteufel In the US, owning a home is no better than renting when it comes to costs. No matter where you go (in the us), the costs of renting, when considering ALL costs for owning, are very similar.

That's so not true Ben! Sure, the cost per year might be the same, but a home owner is paying that money off on an asset, rather than tossing it away on paying off someone else's asset.

quote:

Originally posted by elFreak dog and cat are in the definition.

I can't believe you thought we refer to domestic dogs as "dingoes". That's fucking hilarious.

quote:

Originally posted by Domesticated When that guy just slagged you off for using "university" instead of "college"?

Ok I just re-read all the posts associated with that little thing and I misread your post a bit. You are correct.

it was a crack at a joke that americans make about australians even though it has no basis...ie: like pretty much most of your observations about america.

it stems from a famous movie line, "a dingo ate me baby".

i never said you referred to domestic dogs as that. A lion is not a house cat, but it is still a cat. A dingo is a dog.

you are easy to wind up.

*strokes chin*

quote:

Originally posted by elFreak it was a crack at a joke that americans make about australians even though it has no basis...ie: like pretty much most of your observations about america. it stems from a famous movie line, "a dingo ate me baby". i never said you referred to domestic dogs as that. A lion is not a house cat, but it is still a cat. A dingo is a dog. you are easy to wind up. *strokes chin*

Nice try, genius.

the dictionary proved that a lion is a cat and the dingo is a dog aka you fail.

*shrimp on the barbie*

in my country a barbie is a doll with no vagina

quote:

Originally posted by Sushipunk That's so not true Ben! Sure, the cost per year might be the same, but a home owner is paying that money off on an asset, rather than tossing it away on paying off someone else's asset.

Unless your kids really will live with you till you die, this thought can't be further from the truth depending your situation.

quote:

Originally posted by gehzumteufel Unless your kids really will live with you till you die, this thought can't be further from the truth depending your situation.

Huh? Nothing to do with children man, just to do with property having value. You either pay $4000 a month on rent, or you pay $4000 a month on paying off an asset that's worth something, should you decide to sell it.

quote:

Originally posted by gehzumteufel Unless your kids really will live with you till you die, this thought can't be further from the truth depending your situation.

ben you are very very very wrong here.

a home contributes to your net worth (also impacting your fiscal abilities by improving credit and such.) and can be sold , whereas an apartment does nothing but make you lose money and has 0 impact on your net worth.


as a jew, you should know more about money.

you are still paying a mortgage, just someone else's.

quote:

Originally posted by elFreak ben you are very very very wrong here. a home contributes to your net worth (also impacting your fiscal abilities by improving credit and such.) and can be sold , whereas an apartment does nothing but make you lose money and has 0 impact on your net worth. as a jew, you should know more about money. you are still paying a mortgage, just someone else's.

I know about the net worth thing, but there are many contributing factors that can make your primary residence smarter to own or rent.

Sushi: 4k to own a house per month or 1500 to rent an apartment, 2k for a town home, or even 2-3k for a home depending on where. So assume the worst at 3k for a house (a friend is renting one at 3200 and it is a brand new house) you save 1k/month on rent, property taxes (which 1% on a 900k house is 9k per year for us Californians), you are saving 20k right there. In 1 year. Not including any maintenance that has to be done on the house.

As an investment property, yes it is good, but there are lots of ways that owning a house as a primary residence can be more a crock of shit than people fucking realize.

edit//although the situation above that I explained would warrant owning.

quote:

Originally posted by gehzumteufel I know about the net worth thing, but there are many contributing factors that can make your primary residence smarter to own or rent. Sushi: 4k to own a house per month or 1500 to rent an apartment, 2k for a town home, or even 2-3k for a home depending on where. So assume the worst at 3k for a house (a friend is renting one at 3200 and it is a brand new house) you save 1k/month on rent, property taxes (which 1% on a 900k house is 9k per year for us Californians), you are saving 20k right there. In 1 year. Not including any maintenance that has to be done on the house. As an investment property, yes it is good, but there are lots of ways that owning a house as a primary residence can be more a crock of shit than people fucking realize. edit//although the situation above that I explained would warrant owning.

I was only basing my argument on what you'd said, ie. that the costs of renting vs. owning were similar. If they're not similar, then we're not talking about the same thing any more.

That said though, saving 20k a year by renting doesn't necessarily mean shit. A home owner still has an asset, which is worth money. If you pick your real estate well, it should be increasing in value anyway.

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