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