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Old 10-02-2009, 08:35 AM   #26
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Dude ... I am telling right now if I have an option of buying a house or a car....buy the house and if you get a 30 year mortage make one extra payment a year, and then you will have the house paid off in 15 years instead of 30. In 15 years the house will be worth alot more than the car.....
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Old 10-02-2009, 08:57 AM   #27
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You can sleep in a car, you can't drive a house.

The decision is clear for me.
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Old 10-02-2009, 09:00 AM   #28
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Well, I built my first house last year and I had the exact same dilemma as you. Car or House. I chose the house, however, the mortgage payments (plus taxes and increased insurance) are about 2x what I was paying on rent. So I am definitely pissing a way more on mortgage interest than I would've with rent. However, you will get that fancy dancy tax deduction. But really It's only a few thousand dollars so don't get too excited. You still will be paying A LOT of money on interest the first 10 or so years of your loan, most likely more than you would've on rent. So you'll be saving less money in the bank than renting.
For the same size house as the apartment? No way... With that 2x payment, you are getting a MUCH larger house.

I say get the house and build some equity, then a year or so later get the Camaro. The house is an investment. Also, you can call someone to come fix a new house just like your apartment for the first year, and you can hire someone to mow your lawn.
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Old 10-02-2009, 09:36 AM   #29
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You would be crazy to pass on getting a house...

Go with something smaller thats NEW in order to limit the maintenance..


the value of the house will appreciate due to the market slump we're in...the value of the car will depreciate...
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Old 10-02-2009, 12:32 PM   #30
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For the same size house as the apartment? No way... With that 2x payment, you are getting a MUCH larger house.

I say get the house and build some equity, then a year or so later get the Camaro. The house is an investment. Also, you can call someone to come fix a new house just like your apartment for the first year, and you can hire someone to mow your lawn.
Well it's hard to find a 650sq ft 1 bedroom house.... but you're right my house now is about 2000sq ft. But most of the costs out here came from the lot and all the extra crap I had to put in to meet code... My lot was 1/3 of my home price, and I spent 1/6 of my home cost on code related upgrades that are not required in Iowa (where I'm from)... Another sixth or so was for neighborhood HOA rules, Upgraded driveway, siding (really really expensive siding), required landscaping. My house would've been cheap as crap if I had built it in rural Iowa, that's for sure!
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Old 10-02-2009, 12:35 PM   #31
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I would say get the Camaro now for only one reason. After you buy a house you won't have the money to buy a brand new car for A WHILE. As long as your living in an apartment it won't be hard for you to save up more money to put as a down payment for a house.
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Old 10-02-2009, 12:45 PM   #32
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Simple: Buy house first, make decent down payment and save a couple ground for Camaro. After you close on the house, amend last years tax return to get the $8,000 tax credit early. Use that money and whatever else you have saved as a down payment on the Camaro and voila! This is somewhat of what I did, except I didn't realize I could get the tax credit early, so I'll just drop the 8 grand into the principal of the loan and then refinance.
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Old 10-02-2009, 12:48 PM   #33
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And stay away from HOAs, they are evil!
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Old 10-02-2009, 12:51 PM   #34
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In most cases, a home is a good investment (gains value over time) whereas in most cases, vehicles are bad investments (lose value over time). Get the home first...the market is ripe for the picking right now...and with the low prices and huge tax breaks you'll be in good shape in the long run.
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Old 10-02-2009, 12:54 PM   #35
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Put the car on hold, they will always be available and take advantage of the current housing market. If at all posssible get out of the renting situation. The only thing you're accumulating is rent receipts. It may not be the most popular thing to do but it may be the most practical.
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Old 10-02-2009, 01:08 PM   #36
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Now is a great time to be a first time buyer, I wish I could jump to a bit better place now.... then again I wish I could just keep a car a long time too, before it turns to a rustcicle.

Had this dellemma in '97, so I was actually needing a car at the time too (too rusty to put $$ into it :() , I picked up a 3 year old Camaro that was looked like it wasn't abused, & bought a small condo... + a cheap 10 year old minivan for winter.

But again I had a pretty decent job at the time, & this was just before the economy soured here in late 2000 (we are used to near 10% unemployment here & has been for a while, so this is nothing new to us).... but I looked lower than my means at the time, glad I did!!

I also found that neighbors tend to be abusive to cars in common parking lots too, something to consider.


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Oh, I would be getting the 2LT RS instead of the SS. I figure I won't be racing this thing and the V6 has more than enough power for me. I rented from AVIS so I know. That'll save me, what, 7k? That's pretty responsible, ain't it? I keep telling my self that anyway.
Yes, a bit of a insurance break, a bit better on gas, & lil easier to work on, I'm glad Chevy went with an entry level option...

Why not consider purchasing one from Avis at a later date.. after the house?
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Old 10-02-2009, 01:11 PM   #37
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Get the house first. Up to an $8,000 tax credit this year.

If you get the car first, you'll have a harder time getting financing for a house because the auto loan will count against you.
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Old 10-02-2009, 01:17 PM   #38
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So, I'll throw out a few things for you to consider...

1. Property taxes in Texas suck! Depending on where you buy, expect to pay between 2% and 4% of the value of the house every year in taxes. Buying new? Expect to be closer to the middle to upper end of that spectrum. I live near Houston but in a rural area outside of a subdivision. My tax rate is 2.14% or just over $2400 a year ($200/mo) and I live in a modest $115k house on 1.25 acres.

2. Depending on your income level and the amount you finance to buy a house, the income tax advantages of being able to write off mortgage interest are questionable, at best. I'm married and for the last 2 years, I've barely cleared (less than $500 difference) the standard income tax deduction by itemizing my tax return to be able to count the amount of money I spent on mortgage interest and property taxes. I could rent and pay no mortgage interest and come out about the same when paying income taxes.

3. Housing prices in Texas will never reach the levels seen in the rest of the country. San Antonio and Houston are prime examples of urban sprawl. Rather the containing growth, they'll just build more roads that go farther out from the center of town and then fill in the empty space with more subdivisions filled with affordable new homes (built by inexpensive sub-contractors). All those new homes keep existing home prices down. Don't let people try to scare you into buying now because prices are down. Hell, in Texas, they're always down...It's part of why I left the housing bubble in Seattle a little over 4 years ago. I bought nearly the same thing (age, size, land, build quality) my sister did up there but down here in Texas, I paid less than half of what she did.

4. It's a lot easier to sell your car and break an apartment lease if you get into financial trouble (i.e., lose your job) than it is to sell your house. Sure, your car is a depreciating monster but there is always someone (Carmax) that will buy it from you on short notice. Try that with a house and you'll find it difficult to do. To be able to sell your house, you either have to have enough cash or equity to pay off the mortgage plus pay all the closing costs and realtor fees. If you only pay the scheduled mortgage payment, it takes years to build up enough equity to do that. For example, my affordable $115k house that I bought over 3 and 1/2 years ago has only been paid down $4k on the original loan balance despite monthly payments in the range of $1100-$1200.


Just thought I'd throw that out there for something to think about. If you can get an apartment with a garage, you've got 80% of what you'd have in a house. The only thing missing is long term equity building but you could also do that with a savings or investment account instead.
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Old 10-02-2009, 02:32 PM   #39
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Lots of good advice above...difficult decision to make responsibly. I lean toward buying the house now in a buyer's market before rates go back up as the economy levels out and (hopefully) improves. I believe that the $8000 tax credit for the first time buyer is good until CLOSING on or before 11/30/09...that might be tuff to do if your starting a house search just now, but not impossible with good rating and capital in the bank. Good luck!!
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Old 10-02-2009, 02:47 PM   #40
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The #1 priority for anyone should be owning the roof over your head. Sorry but I think anyone who buys a car before a house is a fool. Cars are not investments except for maybe just a few exotic exceptions which if you could afford one of those you would not be asking this question because you would already have a house.

When you rent you pay someone else mortgage. When you buy your paying into your own equity.
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Old 10-02-2009, 02:50 PM   #41
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If you buy a house, do not but a condo or townhouse. I guess it may depend on where you live, but over and over, I've seen that these are much harder to re-sell than a house.
Not necessrily true. Condos are easier to sell than co-ops, especially if they are in a desirable complex. Co-ops are cheaper to buy, but you don't own anything but shares and the monthly maintenance charges are usually very high. In a condo, you own the inside of the unit.

A condo in a well maintained complex is a great starter home, especially for a single person. The mowing and landscaping is all taken care of, as well as the building maintenance and any plumbing and electrical inside the walls.
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Old 10-02-2009, 03:22 PM   #42
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well around here for $50k you can buy a decent starter home(2-3 bedroom/1-2bath)

look around your area at home prices.


however, i still live with my mom because she would not be able to pay all bills herself after my father dieing. i've also started putting money into the house and garage, so i dont know if i'll want to leave. plus the garage is really nice.


i thought about it this way, buy camaro while still living with my mom, get it paid off along with a few of her bills and then move out. that way i'll have my camaro and plenty of time to find a house (if i decide to move out)
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Old 10-02-2009, 03:28 PM   #43
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As much as I love the Camaro ... House first ...

You get equity (eventually), tax write off (eventually) and joy of fixing things that break (immediately)!

Oh ... and then you'll have a garage to park your Camaro in!!
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Old 10-02-2009, 03:40 PM   #44
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The #1 priority for anyone should be owning the roof over your head. Sorry but I think anyone who buys a car before a house is a fool. Cars are not investments except for maybe just a few exotic exceptions which if you could afford one of those you would not be asking this question because you would already have a house.

When you rent you pay someone else mortgage. When you buy your paying into your own equity.
Sorry I have to disagree with you here. You are ignoreing that different people are in different stages of life. For an example, I am single, Not married and no children, I don't need 4 bedrooms and 2 bathroom and 3 car garage. Right now I am in an apartment, the benifts is that I don't have $4,000 a year of property taxes to pay. I don't have waste money on interest rates and insurance either and maintenance is much cheaper. Don't get me wrong, I have the money to buy a house at any time. But lets be real here, with ones morgage payment, roughly HALF of it goes to the actual principle depending on what type of loan you get, the other half is just burned away (intrest rates, insurance, property taxes). IMHO people should stop looking at a house as soley finacial investment, but a place one raise there family for the next 20-30 years, you can't put a price tag on that. Looking at from a strictly financial side, Renting an apartment and investing is far more effiecient, when looking at strict numbers.
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Old 10-02-2009, 04:05 PM   #45
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Sorry I have to disagree with you here. You are ignoreing that different people are in different stages of life. For an example, I am single, Not married and no children, I don't need 4 bedrooms and 2 bathroom and 3 car garage. Right now I am in an apartment, the benifts is that I don't have $4,000 a year of property taxes to pay. I don't have waste money on interest rates and insurance either and maintenance is much cheaper. Don't get me wrong, I have the money to buy a house at any time. But lets be real here, with ones morgage payment, roughly HALF of it goes to the actual principle depending on what type of loan you get, the other half is just burned away (intrest rates, insurance, property taxes). IMHO people should stop looking at a house as soley finacial investment, but a place one raise there family for the next 20-30 years, you can't put a price tag on that. Looking at from a strictly financial side, Renting an apartment and investing is far more effiecient, when looking at strict numbers.
But you're also not making an investment. Paying rent is just throwing away money (unless its a rent to own situation), paying for mortgage is investing it. And you don't have to spring for a huge house right away, get something that fits your needs. Or if you do have extra bedrooms, find a roomie! That way THEY can throw away THEIR money for YOUR mortgage
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Old 10-02-2009, 04:10 PM   #46
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House, then Camaro, MisterCamaro69 said it best!!!!
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Old 10-02-2009, 04:13 PM   #47
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house i vote
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Old 10-02-2009, 04:16 PM   #48
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Sorry I have to disagree with you here. You are ignoreing that different people are in different stages of life. For an example, I am single, Not married and no children, I don't need 4 bedrooms and 2 bathroom and 3 car garage. Right now I am in an apartment, the benifts is that I don't have $4,000 a year of property taxes to pay. I don't have waste money on interest rates and insurance either and maintenance is much cheaper. Don't get me wrong, I have the money to buy a house at any time. But lets be real here, with ones morgage payment, roughly HALF of it goes to the actual principle depending on what type of loan you get, the other half is just burned away (intrest rates, insurance, property taxes). IMHO people should stop looking at a house as soley finacial investment, but a place one raise there family for the next 20-30 years, you can't put a price tag on that. Looking at from a strictly financial side, Renting an apartment and investing is far more effiecient, when looking at strict numbers.
As a single person you don’t buy a 3000 SQ FT 4 bedroom 3 stall garage house in an expensive tax district. You buy a much less expensive 1800 SQ FT 3 or 2 bedroom house with a one or 2 stall garage in a reasonable tax district such as a city school district, if you don’t have kids there is no need to worry too much about the school district. You itemize your deductions on your taxes including your mortgage interest.

I never had kids although I did get married. I bought my first little house when I was 23. I sold it 4 years later and made $20,000 after realtor fees. I sold my second house again after 4 years and made an additional $20,000. I’m on my 3rd house at 45 worth a little over $250,000 and will have it paid off in 5 years. As long as you keep up your credit score you will always get low interest rates. You should also always try to make extra payments to pay down the principal quicker so you pay less interest in the long run. Granted in this economy at this point in time you can’t expect much if any appreciation for a few years but you will build equity.

I don’t want to debate this much more but my grandmother had the same attitude as you do and she died penny less having always rented and never built any equity. In 5 more years I will own the home I’m in and then my options are wide open, if I get tired of the rat race I can quit my tuff job and work menial jobs to simply pay the utilities and food.

It may make sense to rent for many people but don’t under estimate the value of buying your own home.
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Old 10-02-2009, 04:28 PM   #49
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But you're also not making an investment. Paying rent is just throwing away money (unless its a rent to own situation), paying for mortgage is investing it. And you don't have to spring for a huge house right away, get something that fits your needs. Or if you do have extra bedrooms, find a roomie! That way THEY can throw away THEIR money for YOUR mortgage
This is the funny thing about our society. We consider renting a bad thing because you are throwing away your money every month but how come everyone considers buying a house an investment?

If anyone actually stays in the same house for 30 years and makes regular scheduled monthly payments the entire time, you actually end up paying the amount financed twice, once for principle and again in interest.

Quote:
On a loan of $150,000.00, with an interest rate of 5.25% for 30 years, your monthly payment is $828.31. At the end of your term, you will have paid $150,000.00 in principal and $148,190.00 in interest for a total payment of $298,190.00.
That does not include all the taxes, insurance, maintenance, HOA dues, closing costs, etc...

Now how is that, as an investment, better than renting? Let me give you $300,000 in exchange for something that is only worth $150,000.


I'm guilty of it, just like most of us here are. Just something to think about....
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Old 10-02-2009, 05:12 PM   #50
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Why am I listening to you guys. Ya'll have a cool car already. It's easy for you to say hold off. No seriously. Thank you for the responses!!! I'm a little teary-eyed. I never thought I would get this advice from a Camaro site. I sort of knew this was the type of responses I would get. I'm not gonna lie. I'm a bit sad. I was hoping you guys and gals would say I can simply do both.

To give you a little more idea of my situation, I've been working for a small architectural firm for over 10 years now doing 3D visualization. I LOVE my job. One thing I know for sure, if you don't like your job find a new one. I'm lucky that I like what I do. But! I'm told I don't really make all that much money. And it's probably true. I don't know. I can't compare to anything else because this is the only job I've had. We don't have 401k so I decided setup an IRA about 6 years ago. And who knows, being a small company we could fold in a year or two.

But here's the thing. I paid off my first car in less than two years so I have never really had to budget. I feel I need to develop those skills first before getting a house, No? Maybe I don't pay the car in full and give myself a monthly payment that'll force me to budget. What concerns me is that if I go the house route it may be a "shock to the system". For example, I'm able to easily put 5k away to my IRA. If I get a house, am I ever going to be able to do that? Most people tell me those days will be long gone. It may be a long time before I'm going to be able to afford a car like this with a house payment? Am I worrying to much?

I'll save you guys time and answer my own question. I need to do my research. I guess what I need to do is find out what the going rate is for a newish small house here. A condo or town home sounds like it might be a good option as well for the convenience factor. What I would like to do is talk to someone to see realistically what I would be paying monthly. I don't know if I could handle anything over $800 - $900 with my income and still make a car payment. Should I start talking to a real estate agent to see my options? Can I trust their advice or are they going to tell me what I want to hear just to sell me a home? Is the goal to put 20% down? I have a lot to think about.

A month ago I was stressing out over the color of the Camaro before I ordered it. Now I may have to make the call to cancel it. Life can be so cruel. :(
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