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03-10-2015, 10:30 PM
Thread: Real Estate Crash thread
by cramer- Replies
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Hey Benny, the crash is coming. We've converted...
Hey Benny, the crash is coming. We've converted a good 1000 people in the home loans business to HELOC. On top of that, we are ramping up and adding a couple groups across the country. If you want...
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08-21-2014, 01:45 AM
Thread: Black widows, WTF mate???
by cramer- Replies
- 56
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- 5,888
I just kill the fuckers with wasp spray. Windex...
I just kill the fuckers with wasp spray. Windex does the trick too. If they are in the house, you won't ever see them. I've only seen them in my garage and outside the house. Inside they are so...
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08-04-2014, 09:47 PM
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- 50
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- 3,434
You're still running a 32bit OS for the users...
You're still running a 32bit OS for the users that require it. Take it from someone who supports 230K desktops, laptops, vm's, etc enterprise wide. I get calls from people on 32 bit desktops,...
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08-01-2014, 11:25 PM
Thread: Real Estate Crash thread
by cramer- Replies
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- 3,053,312
I don't know that i'd call him a playa. He been...
I don't know that i'd call him a playa. He been getting bent over by the tax man for the last 5-6 years. That and he lives in vallejo and is looking to buy in american canyon. Anyone who lives in...
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07-29-2014, 09:34 PM
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- 8,231
Yep! When i bought my house, withing a few...
Yep! When i bought my house, withing a few months my dryer was hot, but wasn't drying clothes. I'm like great, buying a new dryer. But after some googling first thing to check is your dryer vents...
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07-28-2014, 11:37 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
I'll tend to agree with you. My brother in law...
I'll tend to agree with you. My brother in law and wife make pretty good money. They bought a house back in like 2005, 440K. Short sold that shit in 2008. Took over his parents house, interest...
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07-24-2014, 12:41 AM
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- 27
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- 2,815
You bring up a great point. My original plan,...
You bring up a great point. My original plan, which my wife has now and i'm piggy backing off of (I always had a work phone so i handed over the personal phone years ago) has unlimited data...
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07-23-2014, 11:36 PM
Thread: Real Estate Crash thread
by cramer- Replies
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- 3,053,312
I'm not sure why you think i'm embelishing them. ...
I'm not sure why you think i'm embelishing them. I made a simple mistake i guess. I read the chart wrong ffs.
Per that link for dallas FW:
2.82% .86% 1.32% .64%
2.82 is the total tax if... -
07-23-2014, 11:29 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
Thats just more work for your loan processor and...
Thats just more work for your loan processor and underwriter to have to validate all that. If you are qualifying with just your income, no reason to bring that into the picture. They are just...
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07-22-2014, 01:12 AM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
i just googled dallas/fw property tax. I guess...
i just googled dallas/fw property tax. I guess i'm reading it wrong?
http://www.davedowns.com/propertytaxes.htm
Its 2.5 or whatever with everything else added on. I'm talking actual cash im... -
07-18-2014, 02:09 AM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
I live in oakley, ca dude. Talk to me about the...
I live in oakley, ca dude. Talk to me about the armpit of the country sometime. When you can cash out a house and pay cash for a house, have no house payment and be making the same money. Let me...
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07-18-2014, 02:04 AM
Thread: Real Estate Crash thread
by cramer- Replies
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- 3,053,312
So you're saying my property taxes would be a...
So you're saying my property taxes would be a whole hell of alot less. Thanks...Good to know. Someone mentioned above that i'd need to take that into consideration. Obviously not...
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07-15-2014, 11:35 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
Property taxes arent shit to my house payment and...
Property taxes arent shit to my house payment and property taxes. Cash down on a home and only property taxes? Where do i sign up? Thats a huge amount of monthly income back in our pockets for...
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07-03-2014, 01:28 AM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
MT is kinda spendy though from what im looking to...
MT is kinda spendy though from what im looking to buy outright. I need to start putting cash away for the kid. I don't want her to deal with 200K+ in student loans. Thats the reality these days. ...
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07-02-2014, 12:13 AM
Thread: GUNS!!!!!!!!
by cramer- Replies
- 10,852
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- 1,292,534
over at the bro in laws a couple weeks ago.... ...
over at the bro in laws a couple weeks ago....
https://scontent-b-sjc.xx.fbcdn.net/hphotos-xfp1/t1.0-9/p296x100/10320449_10152568959405992_3605904278641074673_n.jpg -
07-02-2014, 12:11 AM
Thread: not bad for a bunch of little shits
by cramer- Replies
- 7
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- 1,692
not bad for a bunch of little shits
https://www.youtube.com/watch?list=PL3D4F4C1A910C0FFD&v=J5VGILERzgg&feature=player_embedded
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07-01-2014, 11:43 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
Actually most in America sell their bacon at a...
Actually most in America sell their bacon at a price to where they can move to somewhere else in America and pay cash for that lifetime supply of bacon. That way, they don't have to pay for bacon...
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07-01-2014, 11:24 PM
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- 27
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- 2,815
You can get most new phones for .01 off amazon...
You can get most new phones for .01 off amazon with a contract. How often do you need a new phone? I got the lg2 for .01 and i think like 32 bucks shipping and tax. Ive had att for over a decade,...
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06-04-2014, 11:48 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
Oh i fully understand that. My point is i was...
Oh i fully understand that. My point is i was pointed at with fingers and laughed at, shamed, pretty much ridiculed for looking at zillow as a tool. You make a great point as did danno and shred. ...
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06-04-2014, 01:15 AM
Thread: Slow drivers in the left lane
by cramer- Replies
- 274
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- 14,131
Shit when i first moved down here in the mid 90's...
Shit when i first moved down here in the mid 90's if you ventured into the left lane you best be doing 80. I'd be getting places and getting there rather quickly. Flash some headlights, people...
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06-04-2014, 12:28 AM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
zillow
Who on here use to harp on me about zillow? Well, you're all idiots.
Zestimate
$321,666
+$18,435 Last 30 days
How does zillow come up with these #'s you ask. The fucking comps...Anyone... -
06-04-2014, 12:14 AM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
My brother in law ran into just that. It came in...
My brother in law ran into just that. It came in under. They had to renegotiate, and now he's going to have PMI for not coming in at 20% on the house he's buying due to having to lower the sales...
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05-09-2014, 12:25 AM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
Look at it from a banks perspective. Do we deal...
Look at it from a banks perspective. Do we deal with our inventory first in CA or MT? Seems like a no brainer to me. Lets fix shit where there is money to be spent. Which they have done. We'll...
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05-06-2014, 11:48 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
- Views
- 3,053,312
[QUOTE=BFD;4244829] I lived in vallejo and...
I lived in vallejo and american canyon. They both suck. It has a big fillipino community, so thats who really buys out there. If you want to go out and have a nice dinner, your headed across the...
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05-06-2014, 11:44 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
I'm not renting my place out, i was just pointing...
I'm not renting my place out, i was just pointing out that a renter would cover all those costs.
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05-06-2014, 11:40 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
He's selling it early, his daughter is about to...
He's selling it early, his daughter is about to start kindergarten this year and they want her in a better school district. Otherwise he's paying private school. I doubt he would have sold it...
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05-05-2014, 11:36 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
you want to talk about a shitshow for houses selling in the bay area
The real estate agent who got most of our family into houses down here back in the 2008-2009 days, talked my brother in law into selling.
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05-05-2014, 11:29 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
There isnt any overhead besides maintenance. My...
There isnt any overhead besides maintenance. My taxes, insurance, etc are in escrow acct. Who the fuck pays utilities for renters? Thats unheard of unless you are in an apartment maybe? if i...
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04-12-2014, 12:33 AM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
- Views
- 3,053,312
We are already 6 years into this decade you speak...
We are already 6 years into this decade you speak of. Out here in fairyland california, its looking like we are going to see those 2006 prices and more. As for interest rates going up, i don't...
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04-09-2014, 11:23 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
- Views
- 3,053,312
Commuting fucking sucks. Take it from a...
Commuting fucking sucks. Take it from a commuter. I work only 10-15 miles away. But in the bay area, i could not have bought a house like mine by work. It would be probably triple the price. 15...
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04-07-2014, 10:48 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
- Views
- 3,053,312
Nice, you've got some skills. I don't. You're...
Nice, you've got some skills. I don't. You're going to be making a lot of money. Very valid point and good for you man! I tend to forget that people with those kind of skills, its feast or...
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04-07-2014, 10:23 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
What do you mean prep work? what exactly is...
What do you mean prep work? what exactly is getting prepped?
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04-07-2014, 09:51 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
I'd agree the market will be flooded with homes. ...
I'd agree the market will be flooded with homes. People are going to want to move up with the prices we are seeing now and the interest rates are still ridiculously low. Its not 2006-2007 prices. ...
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03-13-2014, 09:07 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
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- 3,053,312
945K is the median price in SF? :nonono2: ...
945K is the median price in SF? :nonono2: Geezus H. Thats just retarded. What jobs pay a half million a year to be able to afford something there? Let me know, i'd like to sign up.
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02-26-2014, 10:21 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
- Views
- 3,053,312
Most people in the bay area are getting google...
Most people in the bay area are getting google salaries if they live in SF or similarly priced areas. The ones that dont live in those areas are like me. Out in BFE. But, you can't beat the bay...
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02-26-2014, 10:17 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
- Views
- 3,053,312
I did the same, we were pre-approved for double...
I did the same, we were pre-approved for double what i paid for my place. The reality is, i bought what I could afford and if I got laid off, or had to move, etc i could easily rent my place out and...
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02-26-2014, 10:13 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
- Views
- 3,053,312
I work in concord and bought in oakley. So i...
I work in concord and bought in oakley. So i live in BFE and barely can be called the east bay if that makes you feel any better. But out here, i could buy a newer house i didnt have to deal with...
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02-25-2014, 11:58 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
- Views
- 3,053,312
Lets be fair, the crash allowed us lower class...
Lets be fair, the crash allowed us lower class citzens to buy a house. The collective majority pounced on the opportunity. There's a lot of people who didnt, but they are the minority. I highly...
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02-24-2014, 11:21 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
- Views
- 3,053,312
Well, you bring up a great point. Age has to be...
Well, you bring up a great point. Age has to be a major factor. I'm not 40 yet and have had my place for going on 6 years this year. If i was pushing 50, taking on a 30 year mortgage in CA is not...
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02-24-2014, 11:15 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
- Views
- 3,053,312
As you know, i live in CA where it actually is a...
As you know, i live in CA where it actually is a reality. It's been proven decade upon decade down here. You underestimate some folks Benny. My savings is in my 401K which i have dumped anywhere...
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02-23-2014, 04:02 AM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
- Views
- 3,053,312
If you're paying less in rent than you would a...
If you're paying less in rent than you would a mortgage, good call man. When i bought, that wasn't the case.
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02-20-2014, 12:53 AM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
- Views
- 3,053,312
Hey man, i moved down here and didnt know i could...
Hey man, i moved down here and didnt know i could buy a house. I spent 250K+ in rent over 10 years. All i can say, is look into buying something. Thats all money I threw away. I'm not sure how to...
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02-19-2014, 11:22 PM
Thread: Traffic ticket technical question.
by cramer- Replies
- 60
- Views
- 3,961
If you actually went to the judge, yeah, i think...
If you actually went to the judge, yeah, i think it gets tossed. I'd ask isn't part of their job to write an accurate ticket? I'd ask that it gets reduced due to me insisting the light was yellow...
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02-19-2014, 11:05 PM
Thread: Real Estate Crash thread
by cramer- Replies
- 27,075
- Views
- 3,053,312
I'm guessing you don't own or have been looking...
I'm guessing you don't own or have been looking to buy in the bay area. It's the exact opposite, lol. The job market down here has been huge once again due to the tech jobs. They've done nothing...
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02-19-2014, 03:57 PM
Thread: 5 awesome minutes of kids slipping on ice
by cramer- Replies
- 19
- Views
- 1,149
hehe, that was some pretty good stuff. "im not...
hehe, that was some pretty good stuff. "im not laughing at you, I'm laughing with you".
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02-11-2014, 12:35 AM
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I guess im the minority. the lettuce adds some...
I guess im the minority. the lettuce adds some crispiness to the bites. You guys be getting shitty burrito's if your lettuce is slimy. eat faster Jongs.
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02-06-2014, 02:00 AM
Thread: Just threw 5 grams of weed in the garbage.
by cramer- Replies
- 120
- Views
- 6,409
14, where is get getting money for 5 grams would...
14, where is get getting money for 5 grams would be my question. Or who is fronting it to him? Thats bad news man. I'd get on that shit now. If the money is coming from you guys via allowance or...
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02-04-2014, 10:16 PM
Thread: Who uses tax software?
by cramer- Replies
- 17
- Views
- 823
i've used freetaxusa.com for the last 6-7 years. ...
i've used freetaxusa.com for the last 6-7 years. But my taxes are pretty straight forward. I have my income, i have my house and it's write offs. I have my kid and daycare to write off, car taxes,...
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02-04-2014, 10:12 PM
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- 69
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- 2,666
Its the city...
Its the city...
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02-04-2014, 10:10 PM
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- 69
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- 2,666
Its Cali, nor cal, so cal, whatever you want to...
Its Cali, nor cal, so cal, whatever you want to call it. Its where not were to roll, hehe, sheesh. Got's to love people correcting someone's reference to a state when they can't spell.
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