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10k gold, 15 grams..of course it ended cheap.
**..:The Official Jewelry Thread Vol. 11: You get a Jesus piece! You get a Jesus piece! Everybody gets a Jesus piece:..**
- Thread in 'General' Thread starter Started by frank mucus,
- Start date
10k gold, 15 grams..of course it ended cheap.
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Real estate is overrated, people just like to assume that big houses equate to big money.
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Which movado os this one?[/quote]
Its an automatic museum with factory bezel. Think it was limited. Not sure.
Its an automatic museum with factory bezel. Think it was limited. Not sure.
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Since this is the jewelry thread I'll keep my finance advice short... JC is right about a lot. A mortgage is cool, but not paying it is way better. Getting a mortgage, and renting the house out to ppl for the amount of the mortgage payment (or more) is WAY BETTER. Let others pay into your equity 
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Just copped that middle finger one....
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Is It Me, Or Does This Look Like A Vachina?
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^^^^^^^^^^^^^^^^^^^^^^
that's an odd place to put a diamond.
that's an odd place to put a diamond.
Is It Me, Or Does This Look Like A Vachina?
lookin like his grill giving birth to a diamond
would look better if they used 2 diamonds and put 1 in the center of the last tooth on each side
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at the thought of promoting a Life Policy as a solid investment choice. You probably work as a commission-only "financial advisor". Selling 20 year olds cashvalue life insurance plans they have no need for and stacking off 50%+ of the clients first year premium. I see you pleighbwah.
bd0000
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So the premiums get eaten up by commissions and administrative fees?at the thought of promoting a Life Policy as a solid investment choice. You probably work as a commission-only "financial advisor". Selling 20 year olds cashvalue life insurance plans they have no need for and stacking off 50%+ of the clients first year premium. I see you pleighbwah.
I guess I would ask why you wouldn't just buy indexed funds instead of an indexed UL. But I assume the answer would be if the index drops youre in a better spot if you have the UL than if you straight own the fund.
I like all the G checking in here, don't let Charlie's fascism hold you down
bd0000
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I agree with you to an extent. But it seems like if youre gonna hold on long term homes look pretty good. But I know inflation was high in the 70's and obviously a housing bubble developed at the tail end of this graph:
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Median Home Values: Unadjusted 2000 1990 1980 1970 1960 1950 1940United States $119,600 $79,100 $47,200 $17,000 $11,900 $7,354 $2,938From a car perspective, if you had an assurance that a car would in 30 years be a classic and be worth 4 times what the sale price was, why would you lease?
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Oh wow what a terrific beauty, can be displayed in museum, the design is from our ancestor's time.
infinity bracelet
infinity bracelet
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yeah no bruh
jchambers
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ohmygosher
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Can we please get back to the jewelry?
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Wow honestly you have NO Clue what you are talking about. Cash value is not eaten up by Fees.. Fees tend to be less than 1% which is factored into your Premium, I Don't get paid commission, Nor do I or the company take anything out of your product either. Of course you could just invest directly in the Index but then you expose yourself to Risk of Loss if the Market goes down, Versus this Product which has at minimum a Guaranteed Floor of 0-1% so there never a risk of Loss.
SO Not to Flame but please before you criticize know what you are talking about ....
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http://www.ebay.com/itm/IF-CO-Micro...S_Fine_Necklaces_Pendants&hash=item4173f17604
quite a lot of those Ben's pieces are going on eBay...
quite a lot of those Ben's pieces are going on eBay...
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I feel bad for these people thinking they're going to get anything close to what they paid. That black one selling at $500 was even more than I expected.
Nah, homie let's keep the financial talk going in between the jewelry pictures. JChambers brings up some excellent points in his post. Really, the 30 year mortgage is too long and loaded with too much interest. Plus with the way you pay mostly interest in the beginning, it takes forever to build equity. A 15-20 year mortgage is your best bet or you should pay extra toward the principal every month on a 30 year mortgage.
If you get a 15-20 yr mortgage in your 20's, then by the time you are around 45, you move out and rent that out, and then move to a bigger house and let the rent money on the old house pay a lot of your mortgage.
The days of buying a house and it just going up in value are over. When people show these charts of home prices, they don't show the mortgage rates at the time. Much of these home price increases are due to low interest rates and if the current rates went to what they have historically been, you would see that a home to live in is not a good investment.
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JC,
As I said before, I don't really disagree. However, the one thing I will note is that the idea of continuing to rent and stacking further in order to be able to put a lot more down if you decide to then buy assumes that the person in question will have the discipline to continue to do that. A common problem with idealized personal finance theory is that it doesn't account for human behavior. ...For example, it's better not to get a tax refund because you are better off making that money work for you as opposed to essentially having the government hold it interest free for the year. But, that presumes that the person would actually make some sort of investment with that extra $100 a week or whatever as opposed to simply spend it frivolously - buy 1 more pair of kicks, go out to dinner once or twice more, etc. People treat large sums of one-time money differently than streams of smaller money that add up. So, for a lot of people, some of the benefit is purely practical in the sense that a mortgage, a greater tax withholding, etc. forces them to behave in a way that might not be ideal, but is moderately better than they would otherwise. ...That's the same issue with the idea of social security vs. letting people keep the money and manage and save it on their own - the latter is a good idea in theory, but history tells us that most people - even those who can afford to do so - won't really do it, and we'll be left with a bunch of broke old people the state will have to do something to take care of anyway.
As I said before, I don't really disagree. However, the one thing I will note is that the idea of continuing to rent and stacking further in order to be able to put a lot more down if you decide to then buy assumes that the person in question will have the discipline to continue to do that. A common problem with idealized personal finance theory is that it doesn't account for human behavior. ...For example, it's better not to get a tax refund because you are better off making that money work for you as opposed to essentially having the government hold it interest free for the year. But, that presumes that the person would actually make some sort of investment with that extra $100 a week or whatever as opposed to simply spend it frivolously - buy 1 more pair of kicks, go out to dinner once or twice more, etc. People treat large sums of one-time money differently than streams of smaller money that add up. So, for a lot of people, some of the benefit is purely practical in the sense that a mortgage, a greater tax withholding, etc. forces them to behave in a way that might not be ideal, but is moderately better than they would otherwise. ...That's the same issue with the idea of social security vs. letting people keep the money and manage and save it on their own - the latter is a good idea in theory, but history tells us that most people - even those who can afford to do so - won't really do it, and we'll be left with a bunch of broke old people the state will have to do something to take care of anyway.
