[NotCranky]

“many aspects of human communication are visual – body language, facial expressions – there’s also the audio aspects of communication like inflection, pauses, rate of speech – all of this is lost in this blog – all we have is the written word to communicate with”

I was a sonar technician in the Navy. We sat boring watches for hours at a time in the dark. When on this blog, I often remember how people who sparred gleefully under the lights of the ship all day long would come to blows because they couldn’t see each others faces or the body language while on watch. I imagine that the banter started off in the normal fashion and went down hill because of what you are describing as occurring here on the blog. I do agree that the effects of “cyber darkness” can be mitigated.

The blog also brings together people from different walks of life. Sad to say, IMO, we don’t do that much in the real world so it could be somewhat of a shock on the internet.

The issue of when to stop typing and editing vs. the risk of being misunderstood are also big as you say.

I like the political and religious banter here because this can not possibly be an “echo chamber”, on those issues, and I really like to think I don’t participate along dogmatic lines. The age old rule of avoiding talking about those things in public seems to make sense at times,if nothing else, as a courtesy to those who don’t care for it.I am not saying I am ready to quit as we can attempt to keep it isolated to “off topic threads”.

[NotCranky]

I wonder what is going to happen when it becomes obvious that the industry is applying a bifurcated rate system with the help of the government. One set of rates for people who can get a welfare rate(to protect the lending system) and another of higher rates, later down the road, for people who behaved responsibly and were not overly leveraged at the time the welfare rates were being given out. So the second group waits for the housing market to fall like it should but pay as much monthly as the welfare cases anyway because of higher rates with no guaranty of when they will come down again. Nice. Unfortuantely I think the group that would be most enfuriated by this is small and resembles many piggs. The rest of us are to some degree conned by the potential benefits or perhaps have the means and can see how to exploit them.

[NotCranky]

I wonder what is going to happen when it becomes obvious that the industry is applying a bifurcated rate system with the help of the government. One set of rates for people who can get a welfare rate(to protect the lending system) and another of higher rates, later down the road, for people who behaved responsibly and were not overly leveraged at the time the welfare rates were being given out. So the second group waits for the housing market to fall like it should but pay as much monthly as the welfare cases anyway because of higher rates with no guaranty of when they will come down again. Nice. Unfortuantely I think the group that would be most enfuriated by this is small and resembles many piggs. The rest of us are to some degree conned by the potential benefits or perhaps have the means and can see how to exploit them.

[NotCranky]

I wonder what is going to happen when it becomes obvious that the industry is applying a bifurcated rate system with the help of the government. One set of rates for people who can get a welfare rate(to protect the lending system) and another of higher rates, later down the road, for people who behaved responsibly and were not overly leveraged at the time the welfare rates were being given out. So the second group waits for the housing market to fall like it should but pay as much monthly as the welfare cases anyway because of higher rates with no guaranty of when they will come down again. Nice. Unfortuantely I think the group that would be most enfuriated by this is small and resembles many piggs. The rest of us are to some degree conned by the potential benefits or perhaps have the means and can see how to exploit them.

[NotCranky]

I wonder what is going to happen when it becomes obvious that the industry is applying a bifurcated rate system with the help of the government. One set of rates for people who can get a welfare rate(to protect the lending system) and another of higher rates, later down the road, for people who behaved responsibly and were not overly leveraged at the time the welfare rates were being given out. So the second group waits for the housing market to fall like it should but pay as much monthly as the welfare cases anyway because of higher rates with no guaranty of when they will come down again. Nice. Unfortuantely I think the group that would be most enfuriated by this is small and resembles many piggs. The rest of us are to some degree conned by the potential benefits or perhaps have the means and can see how to exploit them.

[NotCranky]

I wonder what is going to happen when it becomes obvious that the industry is applying a bifurcated rate system with the help of the government. One set of rates for people who can get a welfare rate(to protect the lending system) and another of higher rates, later down the road, for people who behaved responsibly and were not overly leveraged at the time the welfare rates were being given out. So the second group waits for the housing market to fall like it should but pay as much monthly as the welfare cases anyway because of higher rates with no guaranty of when they will come down again. Nice. Unfortuantely I think the group that would be most enfuriated by this is small and resembles many piggs. The rest of us are to some degree conned by the potential benefits or perhaps have the means and can see how to exploit them.

[NotCranky]

4plex,
Compared to 1% for maintenance, The average HOA, or home owner’s insurance, which are also being included in rent to own calculations it is relatively significant, so I don’t see why it is missing. I am not saying it turns our situation with this market around or anything like that.

“on the other hand, very few loans these days are
conventional fixed-rate so principle pay down is rarely even talked about” –

Yes that is another factor. When I see people do rent vs. buy calculation on this board they generally use fixed notes for the sample. At least, that is how memory of it goes.

Since my mode is primarily going to be a sweat equity mode you bet I will use a loan similar to what you have. I have said too many times how I am mortgage free. I don’t think that will be for long as I am gong to get some dough to build another house. Maybe I will post a thread on that and get some advice. Cash flow is of prime importance since I don’t pay myself much to work, not paydown.

I will be honest I don’t take a very scientific approach to anything. I will try to get cash flow properties, by sweat equity, where necessary and if the parameters we live in don’t change completely, get paid for my efforts in my retirement.

On the topic or apologies, while I don’t feel either of us has a thing to apoligize for I hope that you can try to overlook that I probably do the equivalent of “talking shit”, like many blue collar guys do between themselves.I am talking about the ones that stay friends despite the “shit talking”. I don’t mean to alienate anyone by it and I also will try to cool it, knowing that most piggs are probably used to dealing a little more with a polite society type exchange,which I can’t stand. I won’t be able to stop being opinionated or throwing out things that are contrary to other peoples opinions. I will try to do it more politely.

[NotCranky]

4plex,
Compared to 1% for maintenance, The average HOA, or home owner’s insurance, which are also being included in rent to own calculations it is relatively significant, so I don’t see why it is missing. I am not saying it turns our situation with this market around or anything like that.

“on the other hand, very few loans these days are
conventional fixed-rate so principle pay down is rarely even talked about” –

Yes that is another factor. When I see people do rent vs. buy calculation on this board they generally use fixed notes for the sample. At least, that is how memory of it goes.

Since my mode is primarily going to be a sweat equity mode you bet I will use a loan similar to what you have. I have said too many times how I am mortgage free. I don’t think that will be for long as I am gong to get some dough to build another house. Maybe I will post a thread on that and get some advice. Cash flow is of prime importance since I don’t pay myself much to work, not paydown.

I will be honest I don’t take a very scientific approach to anything. I will try to get cash flow properties, by sweat equity, where necessary and if the parameters we live in don’t change completely, get paid for my efforts in my retirement.

On the topic or apologies, while I don’t feel either of us has a thing to apoligize for I hope that you can try to overlook that I probably do the equivalent of “talking shit”, like many blue collar guys do between themselves.I am talking about the ones that stay friends despite the “shit talking”. I don’t mean to alienate anyone by it and I also will try to cool it, knowing that most piggs are probably used to dealing a little more with a polite society type exchange,which I can’t stand. I won’t be able to stop being opinionated or throwing out things that are contrary to other peoples opinions. I will try to do it more politely.

[NotCranky]

4plex,
Compared to 1% for maintenance, The average HOA, or home owner’s insurance, which are also being included in rent to own calculations it is relatively significant, so I don’t see why it is missing. I am not saying it turns our situation with this market around or anything like that.

“on the other hand, very few loans these days are
conventional fixed-rate so principle pay down is rarely even talked about” –

Yes that is another factor. When I see people do rent vs. buy calculation on this board they generally use fixed notes for the sample. At least, that is how memory of it goes.

Since my mode is primarily going to be a sweat equity mode you bet I will use a loan similar to what you have. I have said too many times how I am mortgage free. I don’t think that will be for long as I am gong to get some dough to build another house. Maybe I will post a thread on that and get some advice. Cash flow is of prime importance since I don’t pay myself much to work, not paydown.

I will be honest I don’t take a very scientific approach to anything. I will try to get cash flow properties, by sweat equity, where necessary and if the parameters we live in don’t change completely, get paid for my efforts in my retirement.

On the topic or apologies, while I don’t feel either of us has a thing to apoligize for I hope that you can try to overlook that I probably do the equivalent of “talking shit”, like many blue collar guys do between themselves.I am talking about the ones that stay friends despite the “shit talking”. I don’t mean to alienate anyone by it and I also will try to cool it, knowing that most piggs are probably used to dealing a little more with a polite society type exchange,which I can’t stand. I won’t be able to stop being opinionated or throwing out things that are contrary to other peoples opinions. I will try to do it more politely.

[NotCranky]

4plex,
Compared to 1% for maintenance, The average HOA, or home owner’s insurance, which are also being included in rent to own calculations it is relatively significant, so I don’t see why it is missing. I am not saying it turns our situation with this market around or anything like that.

“on the other hand, very few loans these days are
conventional fixed-rate so principle pay down is rarely even talked about” –

Yes that is another factor. When I see people do rent vs. buy calculation on this board they generally use fixed notes for the sample. At least, that is how memory of it goes.

Since my mode is primarily going to be a sweat equity mode you bet I will use a loan similar to what you have. I have said too many times how I am mortgage free. I don’t think that will be for long as I am gong to get some dough to build another house. Maybe I will post a thread on that and get some advice. Cash flow is of prime importance since I don’t pay myself much to work, not paydown.

I will be honest I don’t take a very scientific approach to anything. I will try to get cash flow properties, by sweat equity, where necessary and if the parameters we live in don’t change completely, get paid for my efforts in my retirement.

On the topic or apologies, while I don’t feel either of us has a thing to apoligize for I hope that you can try to overlook that I probably do the equivalent of “talking shit”, like many blue collar guys do between themselves.I am talking about the ones that stay friends despite the “shit talking”. I don’t mean to alienate anyone by it and I also will try to cool it, knowing that most piggs are probably used to dealing a little more with a polite society type exchange,which I can’t stand. I won’t be able to stop being opinionated or throwing out things that are contrary to other peoples opinions. I will try to do it more politely.

[NotCranky]

4plex,
Compared to 1% for maintenance, The average HOA, or home owner’s insurance, which are also being included in rent to own calculations it is relatively significant, so I don’t see why it is missing. I am not saying it turns our situation with this market around or anything like that.

“on the other hand, very few loans these days are
conventional fixed-rate so principle pay down is rarely even talked about” –

Yes that is another factor. When I see people do rent vs. buy calculation on this board they generally use fixed notes for the sample. At least, that is how memory of it goes.

Since my mode is primarily going to be a sweat equity mode you bet I will use a loan similar to what you have. I have said too many times how I am mortgage free. I don’t think that will be for long as I am gong to get some dough to build another house. Maybe I will post a thread on that and get some advice. Cash flow is of prime importance since I don’t pay myself much to work, not paydown.

I will be honest I don’t take a very scientific approach to anything. I will try to get cash flow properties, by sweat equity, where necessary and if the parameters we live in don’t change completely, get paid for my efforts in my retirement.

On the topic or apologies, while I don’t feel either of us has a thing to apoligize for I hope that you can try to overlook that I probably do the equivalent of “talking shit”, like many blue collar guys do between themselves.I am talking about the ones that stay friends despite the “shit talking”. I don’t mean to alienate anyone by it and I also will try to cool it, knowing that most piggs are probably used to dealing a little more with a polite society type exchange,which I can’t stand. I won’t be able to stop being opinionated or throwing out things that are contrary to other peoples opinions. I will try to do it more politely.

[NotCranky]

Hey Rus I thought I said to crunch the numbers???
Yeah but you threw me off…I don’t know what a spread sheet is!LOL.

[NotCranky]

Hey Rus I thought I said to crunch the numbers???
Yeah but you threw me off…I don’t know what a spread sheet is!LOL.

[NotCranky]

Hey Rus I thought I said to crunch the numbers???
Yeah but you threw me off…I don’t know what a spread sheet is!LOL.

[NotCranky]

Hey Rus I thought I said to crunch the numbers???
Yeah but you threw me off…I don’t know what a spread sheet is!LOL.

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