| Subject |
Author |
Message Date |
ID |
 This |
|
Dec 24th 2014 | 1
|
 you beat me to it |
|
Dec 24th 2014 | 2
|
 Dude, why are you and others so eager to find fault or rebuttal |
|
Dec 24th 2014 | 13
|
| I understand what you're saying, but as a black man |
|
Dec 24th 2014 | 15
|
 THat ain't it bro. |
|
Dec 24th 2014 | 18
|
| I have good credit and every time they keep telling me I'm pre approved |
|
Dec 24th 2014 | 19
|
| Why do you want or need more Credit Cards |
|
Dec 24th 2014 | 21
|
| pre-approvals are hella shaky at best |
|
Dec 24th 2014 | 27
|
| I'm not a fan of credit cards at all |
|
Dec 24th 2014 | 28
|
| no credit cards = no mortgage approval |
|
Dec 24th 2014 | 33
|
| You can build credit without credit cards |
|
Dec 24th 2014 | 40
|
| Lol most black ppl don't have someone to cosign |
|
Dec 24th 2014 | 56
|
| I'm 35 and never had a car note. |
|
Dec 24th 2014 | 67
|
| my first time having a car note... don't like it at all... |
|
Dec 25th 2014 | 76
|
| Uh, we in Brooklyn. No need for a car. |
|
Dec 25th 2014 | 80
|
| A car note won't build your score nearly as much as revolving credit. |
|
Dec 26th 2014 | 111
|
| this is simply not true. |
|
Dec 28th 2014 | 136
|
| Youu can get a mortgage without a car note but not without revolving cre... |
|
Dec 28th 2014 | 141
|
| I've closed a number of loans with zero revolving credit in the past |
|
Dec 29th 2014 | 149
|
| Every time I go to Chase they ask me to apply and I'm pre approved |
|
Dec 25th 2014 | 79
|
| because I spent 12 years without one and it affected my credit |
|
Dec 25th 2014 | 78
|
| it most certainly is |
|
Dec 25th 2014 | 82
|
| Thanks for articulating that. |
|
Dec 26th 2014 | 88
|
| No |
|
Dec 24th 2014 | 3
|
| That's not all of it. |
|
Dec 24th 2014 | 8
|
| That's most of it |
|
Dec 24th 2014 | 20
|
| What are the signs of gentrification in Newark? |
|
Dec 24th 2014 | 4
|
| Lots of investment downtown in the Central Ward |
|
Dec 24th 2014 | 10
|
| The current generation at the age ready to buy is very different |
|
Dec 24th 2014 | 5
|
| Student Loans is a big issue |
|
Dec 24th 2014 | 9
|
| Also this generation is not going to have pension and social security |
|
Dec 24th 2014 | 12
|
| Yeah we gonna have be 401K and IRA's |
|
Dec 24th 2014 | 22
|
| yea thats a none issue in my home town |
|
Dec 24th 2014 | 6
|
| The two reasons you listed account for prolly 80% of it. |
|
Dec 24th 2014 | 7
|
| If you are a transplant, sure. If you are native, maybe not |
|
Dec 24th 2014 | 11
|
| Kinda true. Kinda. |
|
Dec 24th 2014 | 24
|
| here's that post |
|
Dec 24th 2014 | 26
|
| Buy a condo |
|
Dec 24th 2014 | 29
|
| Condos have high HOA and not everybody want to buy a condo |
|
Dec 24th 2014 | 31
|
| Right and these fees can change/become more than |
|
Dec 24th 2014 | 60
|
| not to mention the special assessments |
|
Dec 24th 2014 | 63
|
| Wade, thanks for brining up an honest topic. |
|
Dec 24th 2014 | 14
|
| Dialog is happening...nice for you to ask |
|
Dec 24th 2014 | 16
|
| Everything can't keep being they |
|
Dec 24th 2014 | 17
|
| Bro, You are speaking the Hard Truth. |
|
Dec 24th 2014 | 37
|
| it aint no know it all, dude. it comes down to NUMBERS |
|
Dec 24th 2014 | 38
|
| So you're trying to tell that man he's wrong. |
|
Dec 25th 2014 | 72
|
| But thats the (vaugely stated) point, the roadblocks are all us |
|
Dec 26th 2014 | 117
|
| it's still oversimplification |
|
Dec 26th 2014 |
|
| it's still oversimplification |
|
Dec 26th 2014 | 118
|
| there has been study, after study, after study |
|
Dec 24th 2014 | 23
|
| Not saying those things don't exist |
|
Dec 24th 2014 | 30
|
| it costs money to save money. |
|
Dec 24th 2014 | 25
|
| You can buy a house with a 600 FICO score and $1,000 in the bank |
|
Dec 24th 2014 | 32
|
| Thank you. |
|
Dec 24th 2014 | 34
|
| No, you can get literally nothing in any of those areas for that price |
|
Dec 24th 2014 | 35
|
| this dude is on some bullshit and dont know what he talkin about |
|
Dec 24th 2014 | 36
|
| You can get a condo in Jersey for 70K. |
|
Dec 24th 2014 | 39
|
| you realize NYC aint in Jersey and IE aint in Los Angeles? |
|
Dec 24th 2014 | 43
|
| LOL |
|
Dec 24th 2014 | 45
|
| Huh??? |
|
Dec 24th 2014 | 51
|
| RE: Huh??? |
|
Dec 24th 2014 | 54
|
| Dude how old are you? |
|
Dec 24th 2014 | 58
|
| RE: Dude how old are you? |
|
Dec 24th 2014 | 68
|
| Wait, what part of Oak Cliff, b/c they're in full gentrification swing n... |
|
Dec 26th 2014 | 112
|
| near Cedar Crest golf course, the VA hospital, Sweet Georgia Browns |
|
Dec 26th 2014 | 114
|
| I know that area well... |
|
Dec 26th 2014 | 115
|
| We have a house directly across from Cedar Crest Golf Course |
|
Dec 27th 2014 | 120
|
| 20 Min outside of NYC in Newark, you get this for <$70K |
|
Dec 24th 2014 | 41
|
| I like this one... |
|
Dec 24th 2014 | 44
|
| I live 5-10 minutes from there. |
|
Dec 24th 2014 | 48
|
| nobody wants to live in an industrial area with hazardous chemicals |
|
Dec 24th 2014 | 53
|
| No chemical plants |
|
Dec 24th 2014 | 69
|
| Break it down for me. |
|
Dec 24th 2014 | 42
|
| To be brutally honest... |
|
Dec 24th 2014 | 47
|
| As of now |
|
Dec 24th 2014 | 57
|
| I'd live here... |
|
Dec 24th 2014 | 61
|
| Inbox |
|
Dec 24th 2014 | 64
|
| I bought into 28212 a few years ago. |
|
Dec 25th 2014 | 75
|
| i lived in the QC from 89-95. to see where the city is now is pretty |
|
Dec 25th 2014 | 77
|
| do yall have kids? what schools do they go to? |
|
Dec 26th 2014 | 94
|
| no kids yet |
|
Dec 26th 2014 | 98
|
| you know anyone with kids that attend schools in your area? |
|
Dec 26th 2014 | 104
|
| my neighbor has 2 kids who are smart as shit. |
|
Dec 27th 2014 | 122
|
| I gotta cosign this as a former mortgage broker |
|
Dec 28th 2014 | 137
|
| Individually it's extremely hard.. |
|
Dec 24th 2014 | 46
|
| And this is all I am saying bro. |
|
Dec 24th 2014 | 49
|
| How Bill Cosby of you. |
|
Dec 24th 2014 | 50
|
| The real issue is the marriage/out of wedlock birth rates |
|
Dec 24th 2014 | 52
|
| we trying to get a horse, you talking about the cart |
|
Dec 24th 2014 | 55
|
| It's the issue, even single black folks |
|
Dec 24th 2014 | 59
|
| life is not all about money |
|
Dec 24th 2014 | 62
|
| Nah depending on a roommate to cover your bills |
|
Dec 24th 2014 | 65
|
| not true. |
|
Dec 24th 2014 | 66
|
| More "twice as good" bullshit |
|
Dec 25th 2014 | 70
|
| RE: More &amp;quot;twice as good&amp;quot; bullshit |
|
Dec 25th 2014 | 71
|
| this makes some sense. |
|
Dec 25th 2014 | 73
|
| More people living under one roof |
|
Dec 25th 2014 | 83
|
| RE: More people living under one roof |
|
Dec 25th 2014 | 85
|
| American culture seems to be so against this and I hate that |
|
Dec 26th 2014 | 89
|
| it also helps create tighter knit communities too |
|
Dec 26th 2014 | 99
|
| ppl dont do it cause they dont wanna put up with nobody else's shit |
|
Dec 26th 2014 | 105
|
| other culture's manage it just fine though |
|
Dec 26th 2014 | 107
|
| Truth |
|
Dec 25th 2014 | 74
|
| many MANY of us...dont know what we dont know |
|
Dec 25th 2014 | 81
|
| We gotta pass the knowledge down Bin |
|
Dec 26th 2014 | 86
|
| you preaching to the choir with me, talk to these other clowns |
|
Dec 26th 2014 | 93
|
| But Bib, you see they're not trying to listen. |
|
Dec 26th 2014 | 95
|
| ummm have you been reading my post??? |
|
Dec 26th 2014 | 103
|
| It's not just about your opinion playa. But |
|
Dec 26th 2014 | 116
|
| zero financial literacy + poverty |
|
Dec 25th 2014 | 84
|
| RE: zero financial literacy + poverty |
|
Dec 26th 2014 | 87
|
| RE: But here's what I'm saying....buy where you live. |
|
Dec 26th 2014 | 92
|
| If you live in a ghetto you have like 4 options |
|
Dec 26th 2014 | 97
|
| RE: if you can't really leave due to whatever circumstances |
|
Dec 26th 2014 | 100
|
| this is naive |
|
Dec 26th 2014 | 102
|
| Investing in your community is not only financial... |
|
Dec 26th 2014 | 110
|
| hard to do some of those things without organization |
|
Dec 26th 2014 | 113
|
| If it's hard to do so what? |
|
Dec 27th 2014 | 126
|
| LOL |
|
Dec 27th 2014 | 127
|
| I see that you tried to backdoor a convo. |
|
Dec 27th 2014 | 130
|
| OK |
|
Dec 29th 2014 | 147
|
| I think Black folks have a really twisted sense of loyalty to "the hood" |
|
Dec 29th 2014 | 150
|
| what do you think is better than a FHA loan? |
|
Dec 26th 2014 | 90
|
| hello? how yall gon say we need to share info and then not answer questi... |
|
Dec 27th 2014 | 121
|
| nothing is better unless you have a bunch of cash... |
|
Dec 27th 2014 | 124
|
| if you have spare time, you need less cash. |
|
Dec 28th 2014 | 139
|
| you have been getting "lucky" with these home repairs |
|
Dec 29th 2014 | 145
|
| id say a conventional if only for the pmi/mip |
|
Dec 28th 2014 | 133
|
| fha: 600 credit + 3.5% down -- conventional: 700 credit + 5% down |
|
Dec 28th 2014 | 134
|
| they wanted 650 and 20% for the conventional... |
|
Dec 28th 2014 | 138
|
| five digits...can't edit anymore |
|
Dec 29th 2014 | 142
|
| we are talking ENTRY points not re-fi or HELOC |
|
Dec 29th 2014 | 144
|
| Let's revisit this again |
|
Dec 29th 2014 | 146
|
| we mostly agree with each other |
|
Dec 29th 2014 | 148
|
| Let's be honest here. FHA loans are a hair above sub-prime. |
|
Dec 26th 2014 | 91
|
| RE: Let's be honest here. FHA loans are a hair above sub-prime. |
|
Dec 26th 2014 | 96
|
| bruh, you said what i've been saying all along in this post... |
|
Dec 26th 2014 | 101
|
| Let's focus on you and your friend for a bit. What yall's credit look li... |
|
Dec 26th 2014 | 106
|
| This always is so polarized here by where people live |
|
Dec 26th 2014 | 108
|
| are u in a gentrified area? |
|
Dec 26th 2014 | 109
|
| Simple: Have all Black ppl do Dave Ramsey until they debt free. |
|
Dec 27th 2014 | 119
|
| life happens... |
|
Dec 27th 2014 | 123
|
| let's start with one calendar year of paying all bills on time then |
|
Dec 27th 2014 | 125
|
| no doubt. unfortunately we have been duped into spending all |
|
Dec 27th 2014 | 132
|
| it's really easy to pay on time too. you just do it. |
|
Dec 28th 2014 | 140
|
| THIS is the real problem. |
|
Dec 29th 2014 | 143
|
| yeah some do not want to fall in line |
|
Dec 27th 2014 | 128
|
| you people think the world is only nyc, chicago, dc and philly |
|
Dec 27th 2014 | 131
|
| LMFAO @ bums crying about gentrification. Are people that dumb? |
|
Dec 27th 2014 | 129
|
| *logs in to pay bills in separate tab in this post* |
|
Dec 28th 2014 | 135
|
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