March 16, 2009
When I started college the better part of a decade ago all of my possessions that I needed to live on for one year fit into the back of an SUV. Now I would not even think about moving without a twenty foot box truck.
As my income has grown so has my lifestyle, and I have the stuff to prove it! Some of us are a lot worse then others about accumulating possessions. I know people that will keep just about anything because the might need it someday. Recently there are a few things that I have wanted but did not buy them just for the fact that they would be one more thing I would have to move. God forbid how much stuff I will have if I buy a house.
I was thinking about how much value people put on their possessions and I came up with the following equation.
Things > Stuff > Junk > Trash
“I have a few Things to bring over”
“I have to move my Stuff in”
“What should I do with this Junk”
“It’s just some Trash”
So when you do your spring cleaning (if you don’t you should!) take a look at some of you possessions and ask yourself is it a Thing, your stuff, some junk, or just trash. If it is one of the last two seriously consider throwing it away, having a garage sale or donating it to your local goodwill store.
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Posted by fubar1383
March 12, 2009
It is JonBon’s Money birthday. Ok so maybe I am a few days late, it’s a website so it wont be offended that I am a little belated
Looking back it has been one heck of a year for my money, and I am sure your money as well. If you owned stocks a year ago, they were probably trading at about double of what they are now, you still had a realistic shot at selling your house, and you did not know who Bernie Madoff was.
Now of course things are very different. We are experience one of the worst recessions since WWII. One thing to remember what goes down, must come up.
If you’re willing to accept a little risk, and don’t need the cash for at least a few years it has to be the perfect time to invest in stocks. Buy low sell high right? Well everything is half off! It’s a buy one get one free sale at the New York Stock Exchange! If you could get a $1000 TV for 500 bucks would you buy it? I would.
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Posted by fubar1383
March 3, 2009
Honestly, what do they do?
For years buyers and sellers have relied heavily on realtors to move real estate. No one tried the infamous FSBO it was usually viewed as the Hail Mary pass of selling a property. Realtors provided advice, guidance, and were just a good sounding board for nervous and inexperienced buyers. In return for all this legwork, handholding, and research realtors took a hefty sum of 6% of the purchase price. Often this was split with the Sellers realtor as well.
My personal favorite thing about real estate agents is the silly photo that every single one of them has. They are so similar they all must use the same photographer. I don’t know how they all look alike! The picture looks like the cross between their senior picture and a glamour shot.
Well then this small little invention came along: The Internet. I don’t know if you have heard of it, it involves signing onto this thing called AOL, and then getting a busy signal about 43 times then on the 44th time you can go to chat rooms, and send funny emails.
So I am buying my house without a realtor. I found it on my own, I researched it on my own, and I made the offer on my own. I will be closing soon.
One of two things is going to happen: 1 I will buy this house without a realtor, save a bucket of money, and consider myself a genesis, OR Screw up the closing royally and consider myself a huge dumbass.
Time will tell.
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Posted by fubar1383
March 1, 2009
So it has been a very big week for me. On Monday I signed the offer to purchase my first home. On Wednesday I found out I was accepted to Graduate School. So this is all very exciting stuff for me.
My test scores and undergraduate GPA were well within the range to be accepted, that being said I was still very concerned about getting in. With the state of the economy and the job prospects of a newly minted college undergraduate many of them are choosing to go back to school. So the competition for the limited number of spots in this graduate program was increasing. The wait to know was killing me, but on wednesday I found out.
I made it!
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Posted by fubar1383
