DSP's Loan & Savings Company

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Sphadilcastro powiedział(a):
Maybe he's planning on paying off the Connecticut condo with the refinance money.
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He'd need to get $100K which isn't going to happen.

If he gets the home equity loan and wants to sell the WA condo later he'll have to not only repay the entire mortgage balance, he'll have to pay off extra for the home equity loan. His condo is not going to increase in value enough to meet both of those requirements at sale. He will have fucked himself into another piece of real estate worth less than he owes.
 
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SoapQueen1 powiedział(a):
If he gets the home equity loan and wants to sell the WA condo later he'll have to not only repay the entire mortgage balance, he'll have to pay off extra for the home equity loan. His condo is not going to increase in value enough to meet both of those requirements at sale. He will have fucked himself into another piece of real estate worth less than he owes.
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This could get real interesting, assuming he can even manage to afford it in the first place.
 
Money is tight guys! I need your help!
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actually powiedział(a):
Eh, that looks like a really shitty greenscreen with the Space Needle as the background, TBH. I mean, they're in the same pose for a daytime and nighttime picture.
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Possibly. The poses do look the same. But how sad is tbat for Kat?
"Phil can we go to the Space Needle?"
"No honey. This is just as good. Stand in front of this greenscreen with me and say 'CHEESE!'"

EDIT: I did find this on a travel blog, and the pic looks like it matches what DSP got.
 
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Maybe at the Space Needle, they do that thing where at the beginning/end of the entrance line they force everyone to stand for a picture in front of a green screen and put in the fancy background and offer to sell it for a ridiculously high price on top of everything already paid for the entrance fee.

Pigroach would be just the type to splurge on added expense items like that to impress the Kat.
 
It's definitely Kat and it's definitely a picture that you get at the spsce needle. You simply enter your ticket number on the website when you get home to download the picture onto your pc. He most likely went when his internet mysteriously went out for a weekend and then found that it was a cord unplugged. Something he didn't check for 2 whole days.
 

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Freshtodeath powiedział(a):
So what happens if DSP "refinances" then his condo loses value? Just a hypothetical as some people believe Seattle is due for a housing bubble but who knows.
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He'll endlessly cry about it during his pre-streams while demanding the Pigcult ensure that he never has to even consider cutting costs due to his hideous level of entitlement is my guess.

As for the condo's value? Inflated given that Renton and most Seattle suburbs are growing in numbers. Moreso since you know that the adjustments are without any real looks at the place, since he'd be dinged for things like the poorly fixed mold problem he had at one point, as well as other little things he just refuses to do out of ignorance or laziness.
 
Freshtodeath powiedział(a):
So what happens if DSP "refinances" then his condo loses value? Just a hypothetical as some people believe Seattle is due for a housing bubble but who knows.
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Nothing short term. If the new mortgage's interest rates are fixed, he'll just keep on paying the payments, just like with his CT condo. The only thing it affects is that he can't sell it, but nothing is pointing to him wanting to sell it.
 
Freshtodeath powiedział(a):
So what happens if DSP "refinances" then his condo loses value? Just a hypothetical as some people believe Seattle is due for a housing bubble but who knows.
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Well, given how Phil doesn't pay his taxes all that well, refinancing the Condo only for it to lose value, such that if he even sold the damn thing he'd take a loss...well, the bank would want its money back. My grandparents went through this last year after it was discovered my grandpa had made some...bad financial decisions two decades ago or something, I don't know the full story.

What I do know is that they basically sold off all the shit they no longer needed to pay up some fines as a result and then trucked everything they still needed down to a relative's place further south and outright surrendered the house to the bank. And this was with full family support from people who were local.

Phil would straight up have to abandon everything in place. Which he pretty much already has, he just is too egotistical about having 'achieved the dream' to let it go and have a little more financial stability.
 
Freshtodeath powiedział(a):
So what happens if DSP "refinances" then his condo loses value? Just a hypothetical as some people believe Seattle is due for a housing bubble but who knows.
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He would owe more money on the Wakando than it is worth and be in the same situation as he is with the ConnCondo, his payments on what he owes on the condos plus the home equity loan would remain the same if the value of his Wakando fell.

The long and short is currently he has to keep up on his mortgage payments and his credit card debt payments, if he starts to fall behind he could choose to skip his credit card payments. If he gets the home equity loan he now has to keep up his mortgage payments and his home equity loan payments and he can't choose to fall behind on any of them or he could lose his precious Wakando.

He is currently completely lying and not in any danger of losing his precious Wakando unless he decides to sell it, if he goes through with his plan he will be in danger of losing it if he misses payments on either debt.

I think it's really funny that Phil believes if he gets a home equity loan and pays down a significant portion of his credit card debt that he won't just rack that credit card debt right back up and be crying in a year about it again, he'll go right back to putting everything on credit cards immediately so he doesn't have to experience 1 single second of waiting to buy something he's decided he wants.
 
Wait, I'm confused because I don't know much about small businesses.

Why would DSP have to pay interest and penalties on 2018 taxes? Do you have to pay them quarterly, or is DSP making shit up? Or is DSP claiming that he never paid is 2017 taxes?
 
Salubrious powiedział(a):
Wait, I'm confused because I don't know much about small businesses.

Why would DSP have to pay interest and penalties on 2018 taxes? Do you have to pay them quarterly, or is DSP making shit up? Or is DSP claiming that he never paid is 2017 taxes?
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Yes I believe he has to pay the quarterly, or you can do it all at once but they add a penalty or something onto it.
 
Salubrious powiedział(a):
Wait, I'm confused because I don't know much about small businesses.

Why would DSP have to pay interest and penalties on 2018 taxes? Do you have to pay them quarterly, or is DSP making shit up? Or is DSP claiming that he never paid is 2017 taxes?
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Knowing Phil, it's likely half-bullshit with him having to pay all his credit cards as well, I wouldn't be surprised if that's what that chunk of E7's money went to.
 
He did say he might have to use the E7 money for bills instead of taxes. So its possible he will use it for credit cards.
 
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