WHat are you guys unhappy/worried about? [Archive]

johnny

08-23-2002, 12:22 PM

Maybe the topic should have been what do any of you want or expect out of life....or better yet, what do you want to achieve?

Here's what I think I want or need to be happy with my current state:
1) I wish I had my own house - Then I could park my brand new bimmer inside a secure garage instead of having to worry about it parked outside a dumb carport.

2) I sure would like to have a girlfriend - Someone to cuddle with and spend good times together, a special someone to care for and make me feel special!

3) I want to get off my lazy ass and learn how become a better person - learn to cook and basically do everything myself around the house.

4) I would love to find new interests and new hobbies to keep my ass busy and not be bored nor kept in my little cyber world in front of my computer. I want to be free and explore new things and try new stuff instead of being a homebody.

To expand on number 1) I hate having to see my new car get dirty and worry about the next jealous fool scratch or ding my car. I wish I could enjoy the luxury by seeing it parked in my own garage in my own house. Why is it that damn houses in my area are hell of expensive. WHy is it that my poor family is so damn poor that I have to worry about even buying a house? How much longer do I have to continue throwing money away renting?

Arex

08-23-2002, 03:00 PM

Originally posted by johnny@Aug 23 2002, 11:22 AM
How much longer do I have to continue throwing money away renting?
I would think probably 'til you come up with enough money for a down payment on a place to call your own. So just how much did you plunk down on your new bimmer?=) =P It's all about priorities.

As for me, my short term concerns:

1) I want a new job that pays me better than a school teacher. Unfortunately, with more money comes more stress. Since I'm getting paid peanuts now, I don't mind wasting a grip of time browsing yellowworld.org throughout the day. Pay me more and I might feel guilty.

2) It'd be nice to have a girlfriend. I'm working on that.

Longer term:

1) Finding what it is that I really want to do with my life. It doesn't seem to be law. Maybe art? Design? Animation?

2) Being able to provide myself and my family with a lifestyle that's as comfortable if not more so than what my parents were able to provide me. Not to mention giving back to my parents and extended family for everything they've done for me. This all while not dreading going to work each day.

Alex

johnny

08-23-2002, 03:14 PM

i agree with you arex in all that you aim for ....

however, the down on my bimmer wasnt that much and the comment about saving for a house...well let me tell you this, i calculated everything and it would take me about 4 friggin years to save enough for a decent house in my area. To me that's a load of BS and something I don't really need now until I'm married. However, on the otehr side of it, I sure would liek to have the comfort of parking my car in my own garage in y own house. So what am I bitching about? well basically I have to earn everything from the ground up and it's hard.... Now, since I bought the car, it'll take me 6 years to save up for the house I want, I just wish I could hit the lotto :(

My point, be damn happy if you were blessed with parents or have family with some $$$

kimpossible

08-23-2002, 03:18 PM

Hate to sound like a Pollyanna, but as bad as things get I'm still really thankful for what I have.

Arex

08-23-2002, 03:24 PM

Originally posted by johnny@Aug 23 2002, 02:14 PM
i agree with you arex in all that you aim for ....

however, the down on my bimmer wasnt that much and the comment about saving for a house...well let me tell you this, i calculated everything and it would take me about 4 friggin years to save enough for a decent house in my area.  To me that's a load of BS and something I don't really need now until I'm married.  However, on the otehr side of it, I sure would liek to have the comfort of parking my car in my own garage in y own house.  So what am I bitching about? well basically I have to earn everything from the ground up and it's hard....  Now, since I bought the car, it'll take me 6 years to save up for the house I want, I just wish I could hit the lotto  :(

My point, be damn happy if you were blessed with parents or have family with some $$$
Yeah, it's a bitch moving your way up from the bottom. It's so easy to make money when you have money to start off with. As far as home purchasing goes, one option is to aim a bit lower and get a "lesser" pad than ideal and just keep turning it over into bigger, badder properties. That way you at least build equity 'stead of padding your landlord's pocket plus you get the added benefit of appreciation (assuming the market doesn't bottom out from you...in which case you'll probably just be stuck at that property 'til the market recovers). Soon enough you'll get that house to park your bimmer in!

As for the lotto...$115,000,000...=P I wouldn't mind winning that kind of jackpot. Hell, just give me $1,000,000! Or even $100,000 and I'm happy as a clam...whatever that means.

Hello_Hapa's got a good point. Though it's human nature to always want more more more, sometimes it's nice to take a step back to appreciate everything that you already have. Your shiny new BMW for example. I wouldn't mind one of those!=) This reminds me of a line in that Sheryl Crow song: "It's not having what you want, it's wanting what you've got!"

But yes, give me that lotto jackpot and I promise not to bitch for at least a little while.=) =P

Alex

deez nuts

08-23-2002, 03:29 PM

Originally posted by Arex@Aug 23 2002, 05:24 PM

As for the lotto...$115,000,000...=P I wouldn't mind winning that kind of jackpot. Hell, just give me $1,000,000! Or even $100,000 and I'm happy as a clam...whatever that means.

Alex
I don't think clams are happy ;)

But if you gonna buy a house now is the time to do it, with the low interest rates. That's the reason why I decided to go for broke and invest in an co-op and buy a new car. I kinda figure the co-op is an investment.

kimpossible

08-23-2002, 03:33 PM

I can vouch for that. I locked into a 5.375% 15 yr refinance. That was from a 30 yr 7.5%.

Which is interesting to about only 1-2 people here.

deez nuts

08-23-2002, 03:35 PM

johnny

08-23-2002, 03:35 PM

Originally posted by Hello_Hapa@Aug 23 2002, 10:18 PM
Hate to sound like a Pollyanna, but as bad as things get I'm still really thankful for what I have.
hey hapa at least you are happily married and have someone to love at night and keep you warm etc etc. :P

me I may have my nice shiny bimmer but shiet what else do i have? j/k
no one loves me..... :P

SunWuKong

08-23-2002, 04:21 PM

Originally posted by Hello_Hapa@Aug 23 2002, 05:33 PM
I can vouch for that. I locked into a 5.375% 15 yr refinance. That was from a 30 yr 7.5%.

Which is interesting to about only 1-2 people here.
wow that's really good!!! right now it's a 6% rate for a 15 year loan where i live. 6.5% for a 30 year loan. when i finally get a job, i'm going to get a credit line from the house i already own and use that for a down payment on another. i should have enough equity. now is the time to buy!!!

krissy

08-24-2002, 01:03 AM

Originally posted by Chasiubao_Boy@Aug 23 2002, 02:35 PM
Originally posted by Hello_Hapa@Aug 23 2002, 05:33 PM
I can vouch for that. I locked into a 5.375% 15 yr refinance. That was from a 30 yr 7.5%.

Which is interesting to about only 1-2 people here.
Thats why we complain about our age, Hapa.

But with age comes monitoring of interest rates!
Hee, hee - I must be ahead of schedule. I'm 24 and I find the interest rate thing interesting...although I really shouldn't - just refinanced about a month ago at 6.5% for 30-yr. fixed. Rates have not actually been much better than when I bought the place (12/01), but I had to refi to get someone off of the loan...good thing is that I actually got rid of my PMI b/c of appreciation. Was quite pleased :) Oops - I just realized that this isn't interesting to anyone..... :P

Hmmm...to stay on topic, I think I would be happier if I had more people with whom to hang out who lived closer to me. I'n not horribly fond of driving.... :( For a while, I was a little concerned about the whole figuring out what I want out of life thing - but then I realized that it's okay not to know for sure right now. So otherwise, I think I'm pretty content for now. :)

artsfartsyjanet

08-24-2002, 06:30 AM

Ok, I think I'm the only one clueless as to how to buy a car. Would I need to talk to a dealer where I want to buy my car to find out what the interest rate is? derr.. :huh: Or is there another way to find out? I'm car shopping right now, and I want to learn the ropes of buying a car. =)

I'm worried I won't get into grad school or that I don't get high scores on my GREs. Cross my fingers. =)

That's really all that's worrying me right now.

wylin

08-24-2002, 08:56 AM

My gmat its today! argh!

deez nuts

08-24-2002, 09:04 AM

Good luck wylin.

And H.H. 5.375% 15 years. Wow you're good.

Saiko

08-24-2002, 10:01 AM

I'm worried and unhappy about everything, but at the same time, I don't care about a single thing. :blink:

wylin

08-24-2002, 03:42 PM

gmat score prelim 500 fuk, dude i needa review math

karizma

08-24-2002, 04:57 PM

>> interest rate? whazzat? j/k...im 16 and i already co-own a house in silicon valley right next to ibm...jealous? puahaha...

>> im unhappy that i choose to bother myself with trivial little matters. i feel that if i just let things work themselves out my life would be a lot happier and less troublesome.

>> im unhappy cause im 16 turning 17 and have yet to acquire my license.

>> im unhappy because my brother got my hopes up saying we could get an m3 and then decided that he'd like to shop around some more =(....

>> im unhappy because ive got 99 credits and im a high school senior...wtf is up with that?

>> but for the most part...im complacent...i dont mind the rough spots in my life although there are many...life goes on man.

deez nuts

08-24-2002, 05:02 PM

Originally posted by karizma@Aug 24 2002, 06:57 PM
>> interest rate? whazzat? j/k...im 16 and i already co-own a house in silicon valley right next to ibm...jealous? puahaha...

Kids grow up so fast these days. Add that one to my list of worries :P

Barbs

08-24-2002, 10:46 PM

i'm unhappy about growing up. or more precisely, i'm unhappy about realizing at the age of 25 that i'm supposed to be a grown-up doing grown-up things at work with grown-up responsibilities but the mentality of a child.

johnny

08-26-2002, 02:05 PM

^ you are not alone on that feeling....

Arex

08-26-2002, 06:40 PM

Originally posted by Barbs@Aug 24 2002, 09:46 PM
i'm unhappy about growing up. or more precisely, i'm unhappy about realizing at the age of 25 that i'm supposed to be a grown-up doing grown-up things at work with grown-up responsibilities but the mentality of a child.
On the other hand, shouldn't it make you happy that you're able to take on all these adult responsibilities despite your having the "mentality of a child?" I kinda take pride in the fact that I'm slowly starting to shape up as a contributing member of society and a responsible adult, but I'm still managing to hold onto a bit of my care-free, "kiddy attitude." No one said growing up was all about becoming a cranky old fart. :rolleyes:

Alex

kimpossible

08-26-2002, 07:38 PM

Originally posted by Chasiubao_Boy@Aug 24 2002, 08:04 AM
Wow you're good.

*stifles smart-ass sexual innuendo*

tapestrybabe

10-04-2002, 01:35 AM

Originally posted by Barbs@Aug 25 2002, 01:46 AM
i'm unhappy about growing up. or more precisely, i'm unhappy about realizing at the age of 25 that i'm supposed to be a grown-up doing grown-up things at work with grown-up responsibilities but the mentality of a child.
yeah, thats the way i feel. i'm 30... i feel i should be settled down, have a meaningful career, be thinking about marraige... and all that stuff.. And I'm not even remotely close to that point... I feel like i'm lagging behind... cuz i'm still trying to figure out what i want to do with my life...

Me, i feel i just float along in life.. and just take it day by day... now a days...

bigwong235

10-04-2002, 02:10 AM

i'm unhappy about:

-everyone finding out what a fake i am when i utterly fail in college.
-the way i look.
-how i used to have so much potential but then lost it all when i went to high school.
-my friends.
-being such a goddamn dissapointment to everyone.

amietron

10-04-2002, 07:48 PM

Originally posted by bigwong235@Oct 4 2002, 02:10 AM
i'm unhappy about:

-everyone finding out what a fake i am when i utterly fail in college.
-the way i look.
-how i used to have so much potential but then lost it all when i went to high school.
-my friends.
-being such a goddamn dissapointment to everyone.
goddamit, nick. don't be so friggn hard on yourself. there is no point, ZERO point in sulking in the fact that you lost potential in high school. how can people be disappointed in you? you've plenty accomplishments credited to your name. for one, you go to one of the most sought after schools in the nation. fucking ey. it's not like you're a stupid ass who can't do the work. you still have potential. the only way you can not have it is if you give up completely. and geez, you're not going to fail out of cal. won't let ya. kasia won't let you. sheez. if it takes a call every night around 2am to nag you to study, then so be it. i'll take on the task. if all else fails, invent the potion. then you're set for life.

kasia

10-05-2002, 12:51 AM

Originally posted by bigwong235@Oct 4 2002, 10:10 AM
i'm unhappy about:

-everyone finding out what a fake i am when i utterly fail in college.
-the way i look.
-how i used to have so much potential but then lost it all when i went to high school.
-my friends.
-being such a goddamn dissapointment to everyone.
what are you talking about?

- there's no way you're going to fail in college and if you do, it isn't hard to pick up your grades.
- you are cute. always have been. who's ever disputed that?
- you lost your potential when you went to high school?? yet you still managed to get into a better college than all of us...i have *never* heard of anyone else getting a letter, not to mention numerous letters, from senators congratulating them on their grades.
-i don't know your friends... <_< but i know you have the world's hugest parties, so i'm sure you're not lacking in that department.
-don't know who you've disappointed. certainly not me.

maybe the only thing you should be unhappy about is not being able to see clearly what you have accomplished thus far in life.

<turtle turtle>

deez nuts

10-05-2002, 12:41 PM

Originally posted by Morientes@Oct 5 2002, 03:22 PM
i used to worry about some friggin huge chinese dude (bodybuilder) who wanted to fight me for supposedly laughing at him every time i saw him. it was'nt because i was afraid to fight him per se, but i was afraid what the repercussions might have been if i had fought him (ie., charges of assault or battery on my cv). it's true i did laugh but only because he looked weird and strange (i ain't got nothin against bodybuilders or such). things went serious when he, accompanied by his buddies (black dudes), ganged up on me in a nightclub. i guess it was partially my fault but the way he wanted to take it to another level was beyond me. i guess he also wanted to make a name with his crew watching.
Roid Rage!

angel nympho

10-05-2002, 01:34 PM

Originally posted by Arex@Aug 27 2002, 02:40 AM
Originally posted by Barbs@Aug 24 2002, 09:46 PM
i'm unhappy about growing up. or more precisely, i'm unhappy about realizing at the age of 25 that i'm supposed to be a grown-up doing grown-up things at work with grown-up responsibilities but the mentality of a child.
On the other hand, shouldn't it make you happy that you're able to take on all these adult responsibilities despite your having the "mentality of a child?" I kinda take pride in the fact that I'm slowly starting to shape up as a contributing member of society and a responsible adult, but I'm still managing to hold onto a bit of my care-free, "kiddy attitude." No one said growing up was all about becoming a cranky old fart. :rolleyes:

Alex
I miss when I was 8 years old and that "kiddy attitude" wasn't just an attitude. When my biggest worries were trying to convince my mom to let me ride my bike to school...

angel nympho

10-05-2002, 02:32 PM

The older you get, the more complicated things become. Especially relationships. Why can't friends just... forget all their fucking bullshit and just be FRIENDS. I'm running out of good friends....

karizma

10-05-2002, 02:54 PM

>> angel: feel ya on that one!!

>> im unhappy about school..im sucking...failing miserably.

>> im unhappy with my friend status...ive only got three or four friends i can actually trust...the rest of my friends are either just to kick it with or say wassup to once in a while...ive been backstabbed so many times i dont even want to make friends even more 0_o...

angel nympho

10-05-2002, 03:08 PM

Originally posted by karizma@Oct 5 2002, 10:54 PM
>> im unhappy with my friend status...ive only got three or four friends i can actually trust...the rest of my friends are either just to kick it with or say wassup to once in a while...ive been backstabbed so many times i dont even want to make friends even more 0_o...
Exactly. I'm too cautious to make new friends and actually get close with them, but I still, for some naive reason, hold tight to the belief that my real friends and I won't grow apart, we'll just grow up. Wow, was I wrong. I wish I never moved out to LA... :(

SharingIsCaring

10-05-2002, 05:13 PM

What I would Want from life...

1. to be able to save enought to buy my own house.. haha 1st though i would have to move out!!!!

2. I can cook... so.. i would want someone to cook for.. Blah i'm a homebody at heart.

3. be able to see some of the world, visit new places..

4. hehe ::sillie smile on face:: i would want to have someone to snuggle with... :blush: haha watch moives and eat take out with.

::sigh:: my little dream... :blush: ok ignore me i'm just a nut!! :P

mrazntre

10-05-2002, 05:17 PM

1. to be able to save enought to buy my own house.. haha 1st though i would have to move out!!!!

me too!!

2. I can cook... so.. i would want someone to cook for.. Blah i'm a homebody at heart.

*raises hand*

3. be able to see some of the world, visit new places..

*scratches head*

4. hehe ::sillie smile on face:: i would want to have someone to snuggle with...  haha watch moives and eat take out with.

*lowers raised hand*

mrazntre

10-05-2002, 05:38 PM

Originally posted by Hello_Hapa@Aug 23 2002, 11:33 PM
I can vouch for that. I locked into a 5.375% 15 yr refinance. That was from a 30 yr 7.5%.

Which is interesting to about only 1-2 people here.
fully amortized over 15 yrs? or 15/30 + balloon?

damn.. either way 15 at 5.375 is really fucking good.

I'm not too sure on whether it would be a good time to buy right now. It is true that the market has been appreciating and bringing a good amount of equity, however, there have been foreclosure problems just recently - perhaps a sign of the real estate slow down. However, the market is keeping steady right now with the low interest rates and scorching hot sale prices. I would suggest all of you that are thinking of purchasing a home in the near 6 months just chill a bit and get your accountant to calculate some fully amortized loans with conventional financing as of right now with a higher sale price as opposed to.... let's say a projected 8% conventional loan rate with the same sale price depreciated at about 1% per month from the projected date of purchase. It's a great time to sell right now, but to buy would just be horrendous. You do get locked in at a lower interest rate, but what happens to your equity once the market does slow down? Sales prices will plummet, we can project a conservative downturn; nothing like in the late 80's early 90's. Although interest rates will go back up, you will still have a lower sales price. This helps you in the long run due to property taxes and the such.

If possible, add about $100 dollars to your loan amount each month. Check your legal agreement on pre-payment because there should be a stipulated clause where you cannot pay off the loan before a certain amount of time. By paying off a bit more of your primary, it will decrease the amount of loan available to your lender to apply the loan percentage rate to. This will help you to fully amortize your loan a few years earlier. You can do the calculation to see how much sooner you can be finished. If anyone's interested, I can give you a formula to do so.
Just email me.

BLAH BLAH BLAH.... sorry.