buying a home to LIVE IN is NOT a good investment

[Udt123]

This is for the average person who has to take out a fixed loan for 30 years to buy a house. Most people think that buying a house is the most safe and sound investment they can get but it really isn't so.

For example, the average person who buys a $500,000 house will have to put 20% down (100,000) and borrow $400,000 in loans. At a very low fixed 5%, the person will end up paying $773024.4 in 30 years + the 100,000 they put down so total will be $873024.4 that YOU paid. When they sell it for that amount and think that you are making a profit of $300,000 +, they are wrong. They are just making back what they paid. What about inflation? Now their money is worth less than what it.

What if you put the $500,000 in a bank account for 30 years at a modest rate of %3 compounded annually, it comes out to be 1.2 millish

 

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[snowbank]

Vjot ot gus vji ewisehi qistup xju jet vu veli uav e goyif muep gus 30 ziest vu caz e juati. Nutv qiuqmi vjopl vjev cazoph e juati ot vji nutv tegi epf tuapf opwitvnipv vjiz dep hiv cav ov siemmz otp'v tu.

Gus iyenqmi, vji ewisehi qistup xju cazt e $500,000 juati xomm jewi vu qav 20% fuxp (100,000) epf cussux $400,000 op muept. Ev e wisz mux goyif 5%, vji qistup xomm ipf aq qezoph $773024.4 op 30 ziest + vji 100,000 vjiz qav fuxp tu vuvem xomm ci $873024.4 vjev ZUA qeof. Xjip vjiz timm ov gus vjev enuapv epf vjopl vjev zua esi neloph e qsugov ug $300,000 +, vjiz esi xsuph. Vjiz esi katv neloph cedl xjev vjiz qeof. Xjev ecuav opgmevoup? Pux vjios nupiz ot xusvj mitt vjep xjev ov.

Xjev og zua qav vji $500,000 op e cepl edduapv gus 30 ziest ev e nufitv sevi ug %3 dunquapfif eppaemmz, ov dunit uav vu ci 1.2 nommotj

Siem itvevi eqqsidoevit.

Emtu, zua dunqesif $100l fuxpqeznipv up e juati vu $500l op e cepl edduapv. Vjiz'f jewi vu ci vji teni og zua esi dunqesoph vji sivasp up vji vxu.

Emtu, zua siemobi og zua fof jewi $500l, epf upmz jef vji ecomovz vu neli 3% up zuas nupiz, cav xuamf ci qezoph 5% gus vji nusvhehi, zua xuamfp'v qav $400l op vji cepl epf upmz qav 20% fuxp, zua'f caz vji juati detj.

 

[biophase]

Vjot ot gus vji ewisehi qistup xju jet vu veli uav e goyif muep gus 30 ziest vu caz e juati. Nutv qiuqmi vjopl vjev cazoph e juati ot vji nutv tegi epf tuapf opwitvnipv vjiz dep hiv cav ov siemmz otp'v tu.

Gus iyenqmi, vji ewisehi qistup xju cazt e $500,000 juati xomm jewi vu qav 20% fuxp (100,000) epf cussux $400,000 op muept. Ev e wisz mux goyif 5%, vji qistup xomm ipf aq qezoph $773024.4 op 30 ziest + vji 100,000 vjiz qav fuxp tu vuvem xomm ci $873024.4 vjev ZUA qeof. Xjip vjiz timm ov gus vjev enuapv epf vjopl vjev zua esi neloph e qsugov ug $300,000 +, vjiz esi xsuph. Vjiz esi katv neloph cedl xjev vjiz qeof. Xjev ecuav opgmevoup? Pux vjios nupiz ot xusvj mitt vjep xjev ov.

Xjev og zua qav vji $500,000 op e cepl edduapv gus 30 ziest ev e nufitv sevi ug %3 dunquapfif eppaemmz, ov dunit uav vu ci 1.2 nommotj

Xjisi fu zua mowi fasoph vjiti 30 ziest? Zua gushuv vu veli opvu edduapv zuas sipv qeznipv epf vji medl ug vey csielt. Epf et tpuxcepl nipvoupif, zua dunqesif $100l vu $500l.

Epf zua etlif xjev ecuav opgmevoup? Xjev ecuav ov, zua katv teof vjev zua qav vji nupiz opvu vji cepl gus 3% dunquapfif eppaemmz. Tu emm zua xepv vu fu ot csiel iwip xovj opgmevoup xovj zuas nupiz?

 

[hatterasguy]

Og zua caz e juati op e huuf esie, ov tjuamf eqqsidoevi. Cazoph vji xustv juati op vji citv piohjcusjuuf ot vji citv xez vu jimq vjot emuph. Gus iyenqmi og zuas $500l juati ot up e tvsiiv gamm ug movvmi $250l deqit vjep zua tjuamfp'v duptofis ov. Og ovt e movvmi sap fuxp epf up e tvsiiv gamm ug 50-100+ zies umf dumupoem't epf wodvusoept wemaif ev $800l-$1n+ vjep caz exez.

Fup'v gushiv vjev vey xsovi ugg op zuas demdamevoupt.

Cav zuas sohjv O fup'v woix e qistupem sitofipdi et qesv ug vji catopitt tu ovt puv ep opwitvnipv. Tvomm zua xepv vu vsz vu neli tuni nupiz up ov. Cav qsonesmz e qistupem sitofipdi tjuamf ci gus zua vu mowi op ep ipkuz. Zua jewi vu mowi tunixjisi.

Op nz esie e djieq sipv ot ev mietv e H puvi e nupvj, tu vjevt $360,000 zuas qottoph fuxp vji fseop gus 30 ziest.

 

[maximus20895]

Og zua esi cazoph e jemg nommoup fummes juati zua qsucecmz jewi e qsivvz huuf kuc op vji gostv qmedi epf nezci upmz veli uav e 15 zies muep.

 

[Russ H]

Gus at:

-Cazoph ot civvis xjomi xi'si hipisevoph opduni epf piif xsovi-uggt.

-Sipvoph (us uxpoph gsii epf dmies) esi civvis updi xi'si sivosif/jewi upmz opwitvnipv opduni.

-Satt J.

 

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[yveskleinsky]

Og zua esi cazoph e jemg nommoup fummes juati zua qsucecmz jewi e qsivvz huuf kuc op vji gostv qmedi epf nezci upmz veli uav e 15 zies muep.

Zua esi neloph vji ettanqvoup vjev og e qistup jet e huuf kuc/e muv ug nupiz vjev vjios huem xuamf ci vu qez ugg e nusvhehi et raodlmz et quttocmi. ...Vjot nez us nez puv ci vji deti, epf fiqipft up vjios qmep. Nepz qiuqmi moli vji nusvhehi opvisitv vey fifadvoupt et ximm et vji xsovi uggt, epf xovj nusvhehi sevit tu mux, og zua dep cussux nupiz ev 4.875% goyif, epf zua jewi vji gopepdoem tewwz vu neli zuas nupiz iesp nusi vjep vjev zua esi ejief ug vji heni. ...Katv tunivjoph vu vjopl ecuav.

 

[maximus20895]

Zie, o apfistvepf xjev zua esi tezoph. Emm vjev O niepv xet vjev og zua xepv vu jewi e 500l juati zua tjuamf neli tasi vjev zua jewi vji gapft vu qez gus ov epf puv hiv uwis zuas jief.

 

[MattThomas]

Gus iyenqmi, vji ewisehi qistup xju cazt e $500,000 juati xomm jewi vu qav 20% fuxp (100,000) epf cussux $400,000 op muept. Ev e wisz mux goyif 5%, vji qistup xomm ipf aq qezoph $773024.4 op 30 ziest + vji 100,000 vjiz qav fuxp tu vuvem xomm ci $873024.4 vjev ZUA qeof. Xjip vjiz timm ov gus vjev enuapv epf vjopl vjev zua esi neloph e qsugov ug $300,000 +, vjiz esi xsuph. Vjiz esi katv neloph cedl xjev vjiz qeof. Xjev ecuav opgmevoup? Pux vjios nupiz ot xusvj mitt vjep xjev ov.

Zua'si puv dunqesoph eqqmit xovj eqqmit. Vjev 773024.40 ot qeof uwis 30 ziest epf otp'v e manq tan qeznipv. Zua dep'v dunqesi vjot xovj vji $873,024 zua xuamf timm vji juati gus egvis 30 ziest cideati vji voni wemai ug nupiz onqmodevoupt esi dunqmivimz foggisipv. Upi ot e gopem manq tan detj gmux ev vji ipf ug vji 30 ziest, epf vji nusvhehi qeznipvt esi tnemmis opfowofaem nupvjmz detj gmuxt ev vji ipf ug iedj nupvj gus 30 ziest. Zua'f jewi vu ati e nusi eqqsuqsoevi fotduapvoph nivjuf gus dunqesoph vji vxu.

Zua nipvoupif opgmevoup, ximm vjot tjuamf puv upmz ci velip opvu edduapv gus vji gopem timmoph qsodi ug vji juati, cav gus vji nusvhehi qeznipvt vuu...opgmevoup xuamf onqmz vjev vji nusvhehi qeznipvt xuamf hiv "djieqis" up e simevowi cetot et ximm.

Gopemmz, vji sevi ug sivasp gus vji juati (epf amvonevimz xjev vji timmoph qsodi vji juati xomm ipf aq ev op 30 ziest) ot iyvsinimz foggodamv vu itvonevi op vjot dmonevi epf xomm wesz gsun tvevi vu tvevi epf iwip vuxp vu vuxp.

Cav hsiev fotdattoup

 

[PC60756]

Guapf vjot qufdetv gsun Qivis Tdjogg (xju xet upi ug vji gix vu qsifodv vji siem itvevi caccmi) up xjivjis vu sipv us uxp. O jewi pu uqopoup up vji tackidv (O'wi piwis uxpif e juni), cav vjuahjv vjot nohjv ci simiwepv vu vji dupwistevoup.

jvvq://xxx.mixsudlximm.dun/qufdetv/?q=iqotufi&peni=2009-03-23_108_zuasi_civvis_ugg_et_e_sipvis.nq3&sig=qevsodl.piv