Unpopular Opinions

LesPaul

I agree, ceh - borrowers and lenders are both to blame. 

Blueyed228

People who blame banks and other stuff for their financial problems are stupid.  Its not rocket science here.  You make X, your loan is Y.  If X cant cover Y, then dont do it.

K&J64

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:781ca2a8-3f69-42c4-b8aa-61cf2c96a819">Re: Unpopular Opinions</a>:
[QUOTE]In Response to Re: Unpopular Opinions : AMEN. And hi! :)
Posted by BecW2be[/QUOTE]

Hi Bec! How's your new job going?

specialk84

When H bought our house, he was approved for $X. He thought that seemed high, and the house he bought is in a much lower price range. If he were to lose his job tomorrow, we could still pay the mortgage (plus food, gas, electric and other absolutely necessary things) with what he would earn at an entry level job in his field, one with high turnover that's always hiring.

LP11509

I thought the sponge was taken off the market years ago?

specialk84

The sponge freaks me out. 

Blueyed228

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:3ef78a55-b3d8-4628-b0b2-efc878b9fdf3">Re: Unpopular Opinions</a>:
[QUOTE]When H bought our house, he was approved for $X. He thought that seemed high, and the house he bought is in a much lower price range. If he were to lose his job tomorrow, we could still pay the mortgage (plus food, gas, electric and other absolutely necessary things) with what he would earn at an entry level job in his field, one with high turnover that's always hiring.
Posted by specialk84[/QUOTE]

Same here.  We could have bought a friggin huge house with a high mortgage that we could have swung, but if God forbid something happened, we would be in trouble fast.  So we decided to buy something with a much lower mortgage to be safe.

lbarr088

I just googled the sponge.  That is just weird.

ceh789

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:3ef78a55-b3d8-4628-b0b2-efc878b9fdf3">Re: Unpopular Opinions</a>:
[QUOTE]<strong>When H bought our house, he was approved for $X. He thought that seemed high</strong>, and the house he bought is in a much lower price range. If he were to lose his job tomorrow, we could still pay the mortgage (plus food, gas, electric and other absolutely necessary things) with what he would earn at an entry level job in his field, one with high turnover that's always hiring.
Posted by specialk84[/QUOTE]

<div>I actually laughed out loud when they told me how much I was "pre-approved" for.  My house cost less than 1/3 of that and I still feel kinda house poor.</div>

alynne1113

They have these paper spermicidle things that I used in conjunction with condoms when I was way to young to be having sex, let alone a baby. But I have never seen the spounge.

K&J64

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:f8d1e14c-0523-4084-bcf7-b2252d2c50d8">Re: Unpopular Opinions</a>:
[QUOTE]Now that I'm pregnant, I'm realizing just how stupid it is for people to be so adamently against free BC for everyone.  Seriously, my pills cost like $19/mo or something (before insurance), and I paid $4/mo for them after insurance. I don't even want to know how much this whole pregnancy is going to end up 'costing' us.  And by us, I mean my insurance. I had to pay ONE copay of $15. That's it. My insurance covers teh rest, which I'm guessing will be at least $20,000? If not more? I have no idea, to be honest.  Either way, that's a lot of fucking packs of birth control pills.
Posted by Steph+J[/QUOTE]

For real, that's enough to cover the pill until menopause lol.

AllAboutTheBenjamin

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:71e6911b-0b24-4cb0-90b1-c347003afa7a">Re: Unpopular Opinions</a>:
[QUOTE]I thought the sponge was taken off the market years ago?
Posted by LP11509[/QUOTE]


I didn't hear that, but when this friend first started having sex it was like 7 or 8 years ago.  So there's that too.

cheeseandrice

We told the bank not to tell us how much we were approved for when we went looking. We went in and said "we want to spend $150k. can you approve that?" They obviously did.  At closing, we did ask the mortgage guy what we would've been approved at... $350k.  That's INSANE, given our income and current debt (mostly a crap ton of student loans.)

adamar15

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:7be9cef6-ce8c-43bd-8aa0-d922b803a305">Re: Unpopular Opinions</a>:
[QUOTE]We told the bank not to tell us how much we were approved for when we went looking. We went in and said "we want to spend $150k. can you approve that?" They obviously did.  At closing, we did ask the mortgage guy what we would've been approved at... $350k.  That's INSANE, given our income and current debt (mostly a crap ton of student loans.)
Posted by Steph+J[/QUOTE]

We did kind of the same thing when we were buying a car.  We didn't ask how much we could be approved for and then base it off of that.  We decided how much we wanted to spend and asked if we could be approved for that.  I don't want to know what we could have been approved for.

SarahPLiz

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:f8d1e14c-0523-4084-bcf7-b2252d2c50d8">Re: Unpopular Opinions</a>:
[QUOTE]Now that I'm pregnant, I'm realizing just how stupid it is for people to be so adamently against free BC for everyone.  Seriously, my pills cost like $19/mo or something (before insurance), and I paid $4/mo for them after insurance. I don't even want to know how much this whole pregnancy is going to end up 'costing' us.  And by us, I mean my insurance. I had to pay ONE copay of $15. That's it. My insurance covers teh rest, which I'm guessing will be at least $20,000? If not more? I have no idea, to be honest.  Either way, that's a lot of fucking packs of birth control pills. ETA: ok. $20k might be a high guess? I know labor/delivery is at least $8k though. hm. Now I'm curious. off to Google.
Posted by Steph+J[/QUOTE]<div>
</div><div>Hospital bills for me and Sparky last year before insurance topped $250K. </div><div>
</div><div>But my BC, when I was on it, cost me $52 even with insurance. When I worked for the diocese, it cost me $70 at the pharmacy (no insurance coverage) so I went to planned parenthood and got it for $20. I guess their plan backfired...</div>

AllAboutTheBenjamin

I wonder what I could be approved for.  I've always wanted a Bentley.  Those cars are tits.

Nebb

I don't know if you have it there but I hear a lot of commercials for debt reduction companies who negotiate your debt down, and companies that get you out of driving tickets. How about you pay what you owe!!! Don't fucking wrack up huge debt or speed or drive recklessly if you don't want to pay for it! It drives me nuts that there are companies helping people get out of their responsibilities.

LP11509

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:7be9cef6-ce8c-43bd-8aa0-d922b803a305">Re: Unpopular Opinions</a>:
[QUOTE]We told the bank not to tell us how much we were approved for when we went looking. We went in and said "we want to spend $150k. can you approve that?" They obviously did.  At closing, we did ask the mortgage guy what we would've been approved at... $350k.  That's INSANE, given our income and current debt (mostly a crap ton of student loans.)
Posted by Steph+J[/QUOTE]

<div>Yep.  We got pre approved. If we actually took out a mortgage for that amount we were approved for, we would barely be breaking even every month between the payments, H's student loans, and basic needs.  If one of our cars were to break down and we had to add a new car payment, we would LOSE money every month.  It's insane. </div>

annie912

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:f650b177-3aa9-4661-bfc1-5880eb3028f5">Re: Unpopular Opinions</a>:
[QUOTE]You guys realize that ED is about way more than men getting erections or not, right?  I mean, yeah, if you take it down to the absolute basics, sure that's what it's about. But then that leads to mental health issues (self esteem, depression, etc), marital and relationship issues, etc.  I think BC for women should be covered as well...but it's a far more complex issue than many people in this thread are making it out to be.
Posted by J&K10910[/QUOTE]

This may be addressed already, but I haven't gotten that far. Certain types of birth control can be used for women's mental health issues as well - specifically reducing PMS and PMDD symptoms. 

AllAboutTheBenjamin

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:33ec487e-74c8-418d-8ccb-ef39f728cb14">Re: Unpopular Opinions</a>:
[QUOTE]I don't know if you have it there but I hear a lot of commercials for debt reduction companies who negotiate your debt down, and companies that get you out of driving tickets. How about you pay what you owe!!! Don't fucking wrack up huge debt or speed or drive recklessly if you don't want to pay for it! It drives me nuts that there are companies helping people get out of their responsibilities.
Posted by Nebb[/QUOTE]


Oh yeah I see that all the time.  Like say you have 80k in debt, they will magically reduce it to only 75-hundred and consolidate it to ONE LOW MONTHLY PAYMENT YAY!

Omg whatever!!!

chelseamb11

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:482f01c8-28ab-48bc-9255-f6b9a65e3049">Re: Unpopular Opinions</a>:
[QUOTE]In Response to Re: Unpopular Opinions : Same here.  We could have bought a friggin huge house with a high mortgage that we could have swung, but if God forbid something happened, we would be in trouble fast.  So we decided to buy something with a much lower mortgage to be safe.
Posted by Blueyed228[/QUOTE]

There needs to be more people like that.
I'm trying to explain to FI why shooting for a house at the high end of our affordability is a bad idea.  He doesn't quite get it.

ceh789

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:8e6f042a-75cd-44ec-937f-50e6d355be1c">Re: Unpopular Opinions</a>:
[QUOTE]In Response to Re: Unpopular Opinions : There needs to be more people like that. I'm trying to explain to FI why shooting for a house at the high end of our affordability is a bad idea.  He doesn't quite get it.
Posted by chelseamb11[/QUOTE]

<div>Stick to your guns.  You will be so, so sorry if you buy something too expensive.  The mortgage payment is just a fraction of your total cost of home ownership.</div>

specialk84

I start yelling at the tv when the tax relief commercials come on. "Call now and get your $200K tax bill reduced to $10K!"

No. Pay your fucking taxes, just like everyone else.

Blueyed228

I also dont think banks should be handing out no money down mortgages left and right.  I think they are risky and should have stricter qualifications for people.

dmiller9274

On the topic of crazy loans and stupid people, we got a flyer in the mail last week for one of those crazy "Loans for everyone, bad credit, no credit, we'll give you $5000 in your checking account tomorrow." I read the fine print out of curiosity. They give you $5k and you pay back $490/month for 84 months. That's 41,000 for a 5,000 loan, who in the fuuck would ever agree to that?

kd.joseph

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:e204e5ec-e1c8-4e1b-bdee-4afaeaa44053">Re: Unpopular Opinions</a>:
[QUOTE]The sponge freaks me out. 
Posted by specialk84[/QUOTE]

I used them before they taken off the market. They were actually quite nice to use. I was really upset when I couldnt buy them anymore, yes I am Elaine!

specialk84

Chels, have you guys gone to any financial literacy classes? Ohio offers them as part of their Marriage Works program. From the stories you've shared about your FI, I think he might want to look into it.

ceh789

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:c7492496-9169-4e05-b536-4e695590a383">Re: Unpopular Opinions</a>:
[QUOTE]In Response to Re: Unpopular Opinions : I get annoyed on House Hunters when the real estate agent tells them "oh it's only $5000 over your max budget."  Maybe they don't want to be at their max budget?  Or maybe they want to have kids soon, so they can't use all of their extra income to buy a more expensive house.
Posted by yaga13[/QUOTE]
The woman on Property Virgins does that every single episode and it makes me crazy.  You're supposed to be <em>helping</em> these people, not pushing them into more debt than they want to take on.

cheeseandrice

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:e2e763e4-d2c6-4d1f-8909-11e950df25b3">Re: Unpopular Opinions</a>:
[QUOTE]I start yelling at the tv when the tax relief commercials come on. "Call now and get your $200K tax bill reduced to $10K!" No. <strong>Pay your fucking taxes, just like everyone else.</strong>
Posted by specialk84[/QUOTE]

*cough* Warren Buffet *cough*

Mr. "I'd be willing to pay more in taxes" even though one of his companies is currently fighting owed back taxes.

specialk84

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_unpopular-opinions-3?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:97522f99-1158-410c-a561-f6899b2fdb4bPost:789cf3ad-ba26-43e7-9f9e-52cfcc02ff18">Re: Unpopular Opinions</a>:
[QUOTE]On the topic of crazy loans and stupid people, we got a flyer in the mail last week for one of those crazy "Loans for everyone, bad credit, no credit, we'll give you $5000 in your checking account tomorrow." I read the fine print out of curiosity. They give you $5k and you pay back $490/month for 84 months. That's 41,000 for a 5,000 loan, who in the fuuck would ever agree to that?
Posted by dmiller9274[/QUOTE]

<div>My BIL.</div><div>
</div><div>He once was delinquent on a big-screen tv from Rent a Center. He was also behind on his DP&L bill, and they shut off his power. He still wouldn't return the tv, even though he had no electricity.</div>