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Thread: Some stuff I had to get off my chest.

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  1. #1
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    Default Some stuff I had to get off my chest.

    So I'm officially a homeowner, yup.

    These last few weeeks have been so fckn stressful as I got about 150 grand dumped into my lap. Normally, that's not big deal but I made the decision when I found out I was getting my money to buy a house and after a series of dealings with an ass of a real estate dealer, I have a house on the lake. This all comes from my grandpa's inheritance. He was a real terrible piece of shit of an old man who I've only met a few times in my life and who tortured my dad beyond my wildest beliefs. He croaked last year and when they decided to sell their church and their house, they decided to split my dad's take of the inheritance between me and my little brother who got a special needs trust set up for him. This was the work of my grandma not the old man, I try to be nice to her because really she was just as tortured as my Dad, partly because of what he did to my Dad and how she was powerless (in her mind) to stop it.

    So I finally signed the court papers at the beginning of January (which was hard as we lost an awesome uncle from the side of the family we're actually close to), and I got the money. I immediately decided I wanted a house to be mine, one in Lakeport, CA which is a great little town encompassed by an otherwise shitty area. Thus, real estate prices we're really cheap, really cheap. I had originally not been stuck on something right by the lake but when I found this house I had to, it's right in the town of Lakeport (other bigger houses were cheaper but in meth-riddled areas and I don't want to board my windows when I'm not there) and it's just perfect for what I want, a block from the lake with my own boat access.

    So I really liked this house, an REO so it was way cheap, it needs some work on the exterior but the inside is cherry, and when I hired a contractor to inspect it, it came out fine. Since I'm paying with a cashier check, I didn't have to go through all the bank bullshit of fixing every little minute detail before I bought it. The original asking price was 80 thousand, my real estate guy is a friend of the family (we call him Mr. President because he's black and always gives these rousing Obama-esque speeches), and he suggested we offer 71K cash and hope they take it. The bank counter offers 78K and we play the game, I tell Ed the realtor that I just want to get this over with. I have school to deal with, a job and a grieving family that's shaken by the loss of a brother.

    This fucken lady, she says we should counter-offer the bank 74K and see what happens. Nope, another counter-offer from them. I tell Ed that I just want the house and I don't mind shelling out the extra 5K, he communicates this to her and then she goes AWOL for 5 days, I thought I had lost out so we began formulating a plan B and setting up trips to go see other houses in the area. Unfortunately this lady is like the fcken kingpin real estate person of Lake County and she controls almost ALL the listings. She finally emails back saying the counter-offer was denied again and that they want the original asking price now. A month later is where I'm out now, a MILLION trips to OfficeMax to fax signature after signature later (it's a lake house, I understand that it might be in a fcken flood zone, gah!) and I got the house. I just got the call that it went through ESCROW, tomorrow I go down and I sign all the closing paperwork and I get the keys.

    Honestly I don't know how I feel, I feel bad for my Dad who has never owned property in his life and is working all alone in North Carolina on some veteran hospitals. Same for my mom although she's close to procuring a house for herself around the same area but she is dealing with the same BS real estate lady. I have 3 Cashiers check, the final cost was 78,500, more then the original counter-offer from the bank but it was worth it to get it over with.

    I'm so happy, I can't describe the joy but at the same time it's really really wierd. I'm just a kid, I still have roughly 60K in the bank and I had never had more then a couple thousand in my possession at one time, and that was for my apartment deposit. I'm still living here btw, I don't want to commit to this area for to long. My family has rented our whole lives, I went to 13 different schools in my 13 years of K-12 education, now I have a place that is mine and no bank or anyone can touch it, it's mine. Up until only a few years ago, the only person in my family to own a house was my grandpa and his 4 kids who inherited a house in the heart of San Francisco when my grandma died. Now that that's sold, my aunt owns 3 houses (because her husband recieved an inheritence), both of my older brothers (who come from a different dad so they weren't included in the will of my dad's parents) are on their way to paying off houses of their own, both married and settled down.

    Yet outside of that, nothing seems better. My family life is fractured. One brother is married living in Kansas City, the other is married with a family in Kentucky. My dad is in North Carolina and even though he's made his fair share of huge mistakes, I feel bad for him. My mom doesn't love him anymore, it's not her fault, he was terrible to her when the times were bad.

    But now times are good yet nothing seems like it's coming together. My grandma is dead, this has been 8 years already but she was the glue of our family. My Uncle Mark is dead, his son is my age and still alive with a fucking heroin addiction and is to stubborn to let any of us help him. Uncle Mark, or Brotha Wood as we called him , was the most funloving guy you could possibly imagine and even when he was riddled with mental illness, he never created any drama. If my aunt and uncle were talking bad about my grandpa over something petty, he wouldn't entertain it, he just would not denigrate anybody unless it was right to their face and I doubt he had to do that much. He was a straight up dude.

    I don't know what happened on New Years Eve, but the end result was he got hit by a car in a 4 lane highway. He was in a crosswalk. Why a crosswalk was on a 4 lane highway I don't know, but he had brought a buddy of his from the city out before to lobby for a light. It's a fucken school crossing zone, he was looking out for his son and his friends and now the same crosswalk he tried to get rid of killed him. Of course internet commenters don't help, I swear if I saw some of them I would kill them, that's the type of fire those fucks stirred up in me. That's not healthy but everyday I am in a good mood and I remember some fuck trying to relate darwinism and survival of the fittest to the death of my Uncle and it makes me want to rip them limb for limb and I would do it. I even found out where the guy who made that comment lived, he posted a Google maps link to his house. There were others too. Suddenly I don't feel stable all the time anymore, in fact all, and it's not just that I don't think. The other day I was walking in a crosswalk on a 4 lane street, I was in the 3rd lane crossing when the guy from the fourth lane just blew right by, didn't stop. He pulled into the parking lot of foodmaxx right around the corner, I tried sooooo hard to catch him, I didn't get a glimpse of him as he passed me, just the big silver truck. I was literally sprinting with my backpack full of books to go get a piece of this guy when I saw him pull into the tanning salon parking lot, it was a girl. A young girl probably my age who probably just did not see me. Now I was ready to do so much bad and I kind of just stopped in my tracks and walked home. Walking home I just had a bit of a meltdown, all that anger kind of turned to just sadness for my uncle. An old man hit him, and then he had a heart attack. My Uncle was a hit and run victim before in August I believe, and he never held any angst against that person, it was an accident and then they just tried to get away to save themseles, I think he realized that.

    But now I have a house, I'm not sure how much is going to change. I think it'll be good for me though, I need to go somewhere to put my life, and everything else, in perspective. I've been so fucking angry these past few months, I know it comes with the youth but I always saw myself as beyond that already. This is kind of gay but this place is really my only reprieve. Not really, I have friends and I have family, but this place is the only place removed from the real world where we can nitpick at all the shit that doesn't really matter in the real world, like steroid tests and epic beard man. I have a house, I'm 19 with a house, and I haven't called anyone yet, not even my grandma who is doing her best to try to make up for a whole lot of lost time. God Bless her, my Dad doesn't want to hear it, but she's trying to make everyone happy while she's still here even if it means a lot of sacrifices on her end and in that way I can connect with the old bible thumping white haired lady in a way that makes me kind of proud that I come from her.

  2. #2
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    Default Re: Some stuff I had to get off my chest.

    But I have a house, a lake-house that is mine and only mine. I've only been to it once but I like it, it's about the same size as my apartment, a little bungalow, and it's just a chill place. I don't know how often I'll get up there, hopefully more now that I can afford a car that's better on gas then the 1989 Caddy I bought the day I got my bank account with all my money. It's good money I have, the money I get when the Church sells (6000 sq. ft right in the heart of Virginia Beach, it's an awesome piece of real estate) I will likely become rich yet I'm still combating all this bullshit. But I guess writing this post out does help me put the problems I have in perspective in the fact thathere just not that serious but I guess it's just things get shitty sometimes and it's hard for me at my age to figure out.

    Sorry for bringin the place down here, but I just wanted to share the good news and since I'm such an asshole I had to include all the bad in there with it. Buut in reality I am super super stoked, I'll put some pics of the house in here right now.

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    Default Re: Some stuff I had to get off my chest.

    These are the realty site pics, I'll take some when I actually go down there myself.

    http://images1.zillow.com/is/image/i...0&size=330,225

    http://images3.zillow.com/is/image/i...0&size=460,300

    http://images1.zillow.com/is/image/i...0&size=460,300

    http://images2.zillow.com/is/image/i...0&size=460,300

    http://images1.zillow.com/is/image/i...0&size=460,300



    The pics don't do it the right justice It's a nice little house, I have to install central heating and air conditioning which is really the only major undertaking I have to do right now. Everything else is just painting. It has boat access, and a nice sized yard. There is a carport which I am going to tear down soon and make a separate garage out back. Lake County is so fucken backwards, they never check for work permits, I might do it myself to take my mind off some things. It's 2 bedrooms one bath, a nice sized living room. The floors are hardwood, the tile in the kitchen and bath is ugly and will need replacing pretty soon, as will the carpeting in the bedroom but all that stuff is relatively minor compared to the heating system, it gets REALLY cold in the winter and REALLY hot in the summer, I don't want to rely on space heaters and ceiling fans, especially space heaters which run up the power bill. I'm pretty excited though just thought I would share, sorry for all the other stuff, just musings I had to share.
    Last edited by amat; 02-23-2010 at 09:40 PM.

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    Default Re: Some stuff I had to get off my chest.

    Good for you Amat, great to get on the ladder so young now go have a big party with plenty of pussy at your new crib enjoy yourself!!

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    Default Re: Some stuff I had to get off my chest.

    Congrats on the house amat, sorry everything else is going so tough for you right now. I remember when my mom died I got a little bit of cash, which I've been using to pay for school. It was nice, I guess, but it didn't dull the pain or make me feel any better.

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    Default Re: Some stuff I had to get off my chest.

    Quote Originally Posted by CFH View Post
    Congrats on the house amat, sorry everything else is going so tough for you right now. I remember when my mom died I got a little bit of cash, which I've been using to pay for school. It was nice, I guess, but it didn't dull the pain or make me feel any better.
    Yup, my Uncle died on New Years Eve and it's not just losing him, it's just the fact that everyone is sad now and at times angry. I would give it all back in a heartbeat just to go back to December 30th but that will never happen so I suppose it's time to move on. I also got another cashiers check for 15 thousand which I am just going to sit on, I don't even want it in my savings. It's for school, it's been so hard to do fucken homework especially for math but I've been coasting by, I'm only at a JC so the real money will be dished out at the 4 year especially if I go out of state.

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    Default Re: Some stuff I had to get off my chest.

    Quote Originally Posted by amat View Post
    Quote Originally Posted by CFH View Post
    Congrats on the house amat, sorry everything else is going so tough for you right now. I remember when my mom died I got a little bit of cash, which I've been using to pay for school. It was nice, I guess, but it didn't dull the pain or make me feel any better.
    Yup, my Uncle died on New Years Eve and it's not just losing him, it's just the fact that everyone is sad now and at times angry. I would give it all back in a heartbeat just to go back to December 30th but that will never happen so I suppose it's time to move on. I also got another cashiers check for 15 thousand which I am just going to sit on, I don't even want it in my savings. It's for school, it's been so hard to do fucken homework especially for math but I've been coasting by, I'm only at a JC so the real money will be dished out at the 4 year especially if I go out of state.
    Of course you would, so would I, but in the end once all the negative feelings subside a bit it'll be nice for you to look at your house, your education (or whatever else you do with the money) and be thankful that someone who you loved and who loved you was able to give you that sort of gift. I'm just about finished my undergrad and I never would have been able to do this without incurring massive debt without my mom's help and while, like you, I'd do anything to have her back it's still nice to know that she cared that much about me. I'm seriously worried that I'll tear up at the grad ceremony .

    /gay

    Anyways man, it's really cool that you have a house, paid for, at such a young age.

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    Default Re: Some stuff I had to get off my chest.

    Congrats Amat.

    You know, I feel you a lot because I have a deeply fractured family as well, except that the fracture originates from my asshole of a father. He did stole a couple of grants to me, my bro and my 2 cousins, the son and daughter of his brother who's dead now, best guy on earth, who did everything for my father, including shelling 40K to put on our house at some point and buying him a Grand Cherokee. He destroyed my Mom's self esteem which I took years to build back and never helped for my handicap brother since his accident pretending he did everything and that my mom wasn't doing "that much' with him.
    One thing I can tell you: Do not let anger consumes you. I've been angry at my dad way too long, it consumed my energy a lot, now I am over with it, he's millionaire and will die alone for I don't give a flying F. The second best advice I can tell you is to stack at least 2/3 of the money remaining and place it somewhere, do not spend it, I know way too many peoples (including my dead uncle) who had money beyond limits and did spend it all because they didn't realize that money is fast gone when you're on the ride. This nice little home is perfect, nearby a lake, perfect for some quietude, not too far from your center of interests, I am happy for you.
    Last edited by Nameless; 02-24-2010 at 01:27 AM.
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    Default Re: Some stuff I had to get off my chest.

    I'm not sure how much money I'm going to save, my dad also blew a lot of money but he never invested in a house. IDK, it's only like 44K I have left after the house and the 15K cashier check I took. Any suggestions? lol. I am going to buy a boat, obviously, I think I'm close to buying one for 6,500 I've been negotiating a couple days with the dealer over email, seems like a nice boat. Of course some money will also go into the house, in addition to the floors I would like to have a nice yard and I want to remodel that back deck you see in the pictures and add a gate, IDK, I should make a checklist.

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    Default Re: Some stuff I had to get off my chest.

    Good stuff (I mean obviously not all of it but you know), I wish I had a house. Plus on the serious side its much better than just blowing it on whatever, you can always sell it. As for everything else, I don't have anything real profound to say, just sorry about your Uncle and just in general stuff just gets easier as time goes by. Sounds like a Hallmark movie I know but its true.

    I remember being a bit more pissed off in general around that age. Not all the time, but I remember getting in this screaming match at a red light with this older women once and then feeling like such a douche after it was over. I think it happened most often when I was losing my buzz. For what its worth my step dad still does that stuff from time to time.
    Last edited by OumaFan; 02-24-2010 at 01:11 AM.

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    Default Re: Some stuff I had to get off my chest.

    Quote Originally Posted by amat View Post
    I'm not sure how much money I'm going to save, my dad also blew a lot of money but he never invested in a house. IDK, it's only like 44K I have left after the house and the 15K cashier check I took. Any suggestions? lol. I am going to buy a boat, obviously, I think I'm close to buying one for 6,500 I've been negotiating a couple days with the dealer over email, seems like a nice boat. Of course some money will also go into the house, in addition to the floors I would like to have a nice yard and I want to remodel that back deck you see in the pictures and add a gate, IDK, I should make a checklist.
    I understand that you want to do all of that but seriously Amat, do not buy everything you're talking at the moment eight away. You definitely not need all of these things right now, sure it is tempting but most of them are "luxury" so to speak. 44K, that's a lot but that's nothing at the same time. If I was you, I would finish to renovate the inside of the house first so this place would be exactly as you want it. The Boat can wait, tempting sure, but why would it have to be bought this year? If I was you, I would stack aside at least 30K to get some interests and to have something in case something deep shit happens. I say renovate the house first and buy a boat in, let's say, 1 year or two, using some of the fresh income you'll get in the meantime. The first lesson I got in life is: never blow down your main capital if it's not necessary and go for the most important first.
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    Default Re: Some stuff I had to get off my chest.

    Nice work on getting on the property ladder and falling into some money. Sorry about all the other family shit, family is never easy to deal with. Always a case of the rough with the smooth, I guess.

    As for the rest of your money, just don't fritter it all away and consume. If you want to study you could invest in more education or just buy some gold and stash it away. Or you could just spend it all on bitches and drugs, but I would argue for caution.

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    Default Re: Some stuff I had to get off my chest.

    Amat, for now I'll say congrats and I'm happy for you.
    I purchased my 1st home when I was 21 and I was on cloud 9.
    I was happy as I could be, as skel mentioned it's great that you decided to invest in real estate. From the looks of it you can def. invest money into it (flip it) and re-sale it. Not sure if that's something you have thought of...

    But one thing is certain you made the best choice possible. Now it's a matter of what you do with it next...
    Think about long and hard, weigh out the good and the bad and determine what works best for you.

    There's more I want to say but my time is limited right now so I'll come back to this...

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    Default Re: Some stuff I had to get off my chest.

    Quote Originally Posted by CutMeMick View Post
    Amat, for now I'll say congrats and I'm happy for you.
    I purchased my 1st home when I was 21 and I was on cloud 9.
    I was happy as I could be, as skel mentioned it's great that you decided to invest in real estate. From the looks of it you can def. invest money into it (flip it) and re-sale it. Not sure if that's something you have thought of...

    But one thing is certain you made the best choice possible. Now it's a matter of what you do with it next...
    Think about long and hard, weigh out the good and the bad and determine what works best for you.

    There's more I want to say but my time is limited right now so I'll come back to this...
    $5 says he's got some ass to go lick...

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    Default Re: Some stuff I had to get off my chest.

    lol don't worry I understand it's not as if there is nothing more anyone could say but sorry. Nameless, I'm buying the boat It's the whole reason I got this house here instead of say, Kentucky. If the money from the Church ever comes down the pipeline, that's where I'll buy next. Or if I ever flip this house I'll do it. It's a good deal (on the boat, even if I'm going to spend a little more then I initially wanted, it's a must-sell type thing, and the first thing I'm doing is going out on the lake in my new boat. I think what I'm actually going to hold off on is buying a car and some of the other stuff like building the garage. I would like to save some money but the house in it's current condition wouldn't be the place I wanted when I found out I was getting this money.

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