Work hard or don't work hard?

Liberals keep saying immigrants are superior to whites because they work harder, then they turn around and tell white yuppies they are idiots who have been conned into working so hard by evil capitalists and they are happier digging drainage ditches, picking lettuce or wiping old people's asses for a living.

So which is it? Or is this yet another one of your double standards? If you had to tell everyone in the world to work hard or not work hard what would you tell them?

>>39
About $40K.  Considering the price of natural gas around here, and my own needs, a 1BR home is more suitable.  I'm nearly there for my area, except I have other goals worth covering in the interim, like a replacement car with far better gas mileage, and the growing specter of unemployment.  So, it would be foolish just to sink the savings into a house just in time to become unemployed.  I can wait a few more years.

I never think that a house is a "dream" fulfillment device, so I really don't understand what you're saying otherwise.

And you STILL haven't said what YOU are doing, cockgobbler.

>>41

Hey RC, just wondering, how much credit card debt do you have? I am 21 with $0 of CC debt.

When I tell my friends this, they think I'm mad or something. Is it really that hard to not put shit on CC and rely on a Debt Card?

>>42
CC debt = $0.  Yes, the masses are fucking deranged with all their "nigger rich" debts.

>>42
>>43

20, never had a credit card.

People need to grow a clue.

>>1

Liberal #1 =! Liberal #2

End of discussion.

>>44

it's good to have a credit card but pay it off every month.

>>31
>>34
Mathes test

The average 25 year old american with a degree earns about $40,000 per year: (http://en.wikipedia.org/wiki/Personal_income_in_the_United_States)

2.5 times this American's income is $100,000
20% of this American's salary is $8,000

It will take about 12.5 years to purchase a house using your criteria (assuming that the average America has constant health and salary, and housing prices remain stable).

Is it even possible to by a house in America for $100,000? I'm asking because live in England where the average 3 bedroomed house's price is about £300,000, while the salary is for an average 25 year old is £20,000. (http://www.payscale.com/research/UK/Country=United_Kingdom/Salary/by_Age)

>>36
So you're renting while you save money to purchase a house so you don't have to live with your parents? Sounds like a good system.

I am 22 and have £100000 tied up in stocks.

Working women have pushed the cost of everything up. House prices are based off families with two incomes.

>>49

really? I could have sworn it had something to do with a severe reliance on credit. Meh, guess I'll go rip up my degree and beat my girlfriend.

>>47
You see, that's where you're failing.  You don't even believe that it's possible to obtain a home in the USA for $100K.  I assure you, it certainly is.  In many coastal areas, it seems impossible ... but the average income is pushed upward similarly, so it returns to possibility.  HOWEVER, the average size of the American home has nearly doubled, so you can see what has really happened here -- people have been buying more home than they could really afford.

The point I'm trying to make is that you should not buy outside 2.5 times your income.  If too many homes in your area are above that, then you should leave the area ... or rent ... since the alternative is just to rent a home from a bank until the financial circumstances of your life go bad (which over 30 years of most mortgages, is LIKELY) and you're forced into foreclosure or extended mortgaging.

It SHOULD be a basic financial truth that you should NOT buy the most expensive thing in your life on nearly 100% credit terms.  Paying the highest possible cost of credit is the very definition of stupid.

Cost of Jewdit moar like AMIRITE??!?!?!?!

>>51
I never said I didn't believe you could buy a house in America for $100K I said I didn't know how much the average American house cost so I couldn't determine what you could buy for $100K.

The average house prices I mentioned at >>47 are for the UK so to leave the "area" I'd have to emigrate (possibly to Australia or New Zealand).

Also there are no houses to rent in the UK because there aren't enough houses to do that (why rent your property when you can sell if for more money). Though there are flats and rooms available for rent.

While not buying a home worth more than 2.5 times your income may work in the US if there are no properties in this price range the buyer has no choice but to pay more.

Also what does 100% credit terms mean (100% APR (annunal interest))?

Guys, I think you're missing the whole point of the original post.  Why bother to work hard if some liberal asshole is going to tax your money away and give it to illegal aliens, crack addicts, and bloated government agencies?  Is there any reason not to become a parasite and leech off the system like so many other people?

>>53
Firstly, the UK is in a much worse housing bubble than the USA.  Any viewpoint you're taking otherwise is just wrong.

Secondly, no one actually forces you to sign a mortgage for a hugely overpriced home.  There is no housing shortage in the UK.  If the price is too fucking high, you're financially obligated to RENT.  (If you have to rent into a smaller domicile, then that's a natural side effect of your stupid fucking housing bubble.)  Renting when owning costs are TOO HIGH can only save YOU the money you'll need to further capitalize your life.

AFTER ALL, generally the buyer of a property is a person who ALREADY has a place to live.  If the price is too fucking high, then DON'T MOVE.

As to what "100% credit" means, you must be joking.  Next, you're going to ask what "loan to value" means?  The overuse of credit to "buy" a home is what has led to the huge increases in prices.  People with sensible down payments couldn't compete with the fuckwits who showed up clutching mortgage papers from some fuckwit bank ... with any such mortgage being a blank check, they effectively drove up prices.  They are using 100% credit to buy that home!  People are basically renting the entire home price from a bank!

After Satan left the Garden of Eden, garlic arose in his left footprint, and onion in the right.

>>56
But they are so delicious and have anti-bacterial properties. How can they be evil?

>>57
a small onion fell on my head once

>>55

Redcream stop criticizing me over things you don't fully understand.

Firstly there is a shortage of affordable housing in the UK (especially in the South East); secondly there almost no market for renting (you cannot rent a house in the UK, you can only rent a flat or a room in a house); thirdly most first time buyer have to live with their parents because they can't afford to live anywhere else (unless they want to live with their parents until they're 30 they have to get a high priced mortgage in order to move out of their parent's home). Consequently there is almost nowhere to rent and telling me that I should rent property because it's possible to do this in the US will not change this.

Also I asked about '100% credit' because they DON'T have this expression in the UK, just like how they don't have the expression 'going Dutch' in the US.