DarksydePhil / TheyCallMeDSP / Phil Burnell - General Discussion

[harbinger]

Something in this video I noticed that doesn’t seem to be getting a lot of attention is Phil’s credit card situation. He’s mentioned in the past that he puts his taxes on credit cards every quarter (which is fucking retarded) and pays it off slowly over the next few months and then repeats the next quarter. Now he says his credit is stretched too thin which I’m reading as maxed out. It’s sounds like Phil has financially painted himself into a corner and his whole house of cards could start tumbling down on him with one lousy month.

 

[LordAutismo]

Something in this video I noticed that doesn’t seem to be getting a lot of attention is Phil’s credit card situation. He’s mentioned in the past that he puts his taxes on credit cards every quarter (which is fucking exceptional) and pays it off slowly over the next few months and then repeats the next quarter. Now he says his credit is stretched too thin which I’m reading as maxed out. It’s sounds like Phil has financially painted himself into a corner and his whole house of cards could start tumbling down on him with one lousy month.

Shame on you for taking anything Phil says on that subject to heart.

 

[StylishAcolyte]

Something in this video I noticed that doesn’t seem to be getting a lot of attention is Phil’s credit card situation. He’s mentioned in the past that he puts his taxes on credit cards every quarter (which is fucking exceptional) and pays it off slowly over the next few months and then repeats the next quarter. Now he says his credit is stretched too thin which I’m reading as maxed out. It’s sounds like Phil has financially painted himself into a corner and his whole house of cards could start tumbling down on him with one lousy month.

Phil is heading into a fucking terrible life, and i don't mean in an economic sort of way.

I mean, i don't know if many people have pointed this out, if you are to believe his lazy lifestyle he is nosediving into severe health problems such as back pains, vision problems, fat, alcoholism issues, he is balding, he doesn't get sunlight, he obviously doesn't eat well, he doesn't excercise, he doesn't interact with other people outside his circle (You know, those bastards with different opinions) and he has gout.

A lot of people think that the financial problems will be the worst for him (If he has any to begin with), i think his health problems will make his life a living hell coupled with the fact that he will have to continue doing what he does (Which means it will only get worse), he is aiming to become a 70 year old man by the time he is 40-45ish.

This is the kind of shit that gym teachers try to tell kids when they are young and Phil is still doing this despite being 35. I wouldn't be surprised if he, in the future, instead of begging for tax money he starts begging for healthcare money.

 

[JackDavis]

Actually if you take a look here:

https://twitter.com/KingJezal

He's like one of those people that quit something and have to let everyone know about it (regardless of the context) in the most obnoxious annoying possible way. By bragging about it on social media. So, no I am not proud of him.

To be fair, he's just answering questions sent to him.

 

[BallBuster]

Actually if you take a look here:

https://twitter.com/KingJezal

He's like one of those people that quit something and have to let everyone know about it (regardless of the context) in the most obnoxious annoying possible way. By bragging about it on social media. So, no I am not proud of him.

Dafuq you talking about? Anytime he talks about it, it is because someone else brought it up or asked him. You make it sound like he’s going around rubbing his Victory in everyone's Face when that isn’t the case at all.

 

[Clop]

Actually if you take a look here:

https://twitter.com/KingJezal

He's like one of those people that quit something and have to let everyone know about it (regardless of the context) in the most obnoxious annoying possible way. By bragging about it on social media. So, no I am not proud of him.

When your only personality is addiction, losing the addiction means the loss of addiction becomes your new personality. He'll get over it in time.

Hopefully. Otherwise he'll just drift back to hemorrhaging money on something similar. Like another streamer. Using that money to do something for yourself - like hobbies - would be healthy.

 

[Ilscuro]

This is interesting, if it's legit.

 

[rizlajizzla]

GeoffTheHero is every bit as autistic as Phil.

Eeeh, matters of degree. We're all speds here.

 

[BatChatillon]

This is interesting, if it's legit.

That's another post he is going to delete - maybe he will comment on it ("blocked, fuck off, bye "- style) and declare the person as another detractor. There have been posts like that in the same past and none of that actions they planned to take ever happened.

 

[rizlajizzla]

I'm the opposite, having been born outside the US but living here most of my life. the importance placed on owning a home is almost uniquely american, it has long since been set up as some kind of ideal. the 2009 recession was new in its span but black and latino communities had essentially been going through the same thing since the 90s through predatory lending. You keep telling people they Need a home and they buy homes from a bank that makes them think they can afford it and it was a bubble that was inevitably going to burst.

It's not the first and it's definitely not going to be the last, I wouldn't be surprised if the college debt bubble goes next because people need increasingly higher qualifications to get jobs with increasingly lower wages and absolutely no one will pay that shit off in a million years.

I doubt dsp gives a crap about the actual house, it's just a symbol of his Legacy and Success or whatever the crap, it's just what successful and happy people do. They don't rent, or live in a condo, they buy a fucking mcmansion. As stupid as he otherwise is i can't even really blame him for being indoctrinated so heavily into this frankly insane idea. in california there are sidewalks literally covered in shit because the homeless problem is so bad that people literally have nowhere to use a restroom, and yet there's a fucking preponderance of vacant houses that no one can afford to live in just laying around

I really don't see how anyone in the US can afford bread and toilet paper anymore. Between student loans, healthcare & the housing market... But, remember Poor Philip earned his success. He earned that house. He deserves that house. The world owes him a house, a woman, a car and allllll the Bluerays his little heart desires. Someone could write a whole PhD thesis on Phil and entitlement.

 

[rizlajizzla]

The fuck are you guys on about? Owning a home is literally cheaper than renting in the majority of the country.

Yes, the mortgage payment may be cheaper than renting but when people live in a house for two years and start talking about releasing the equity, you're gonna have a bad time. Plus, it's hard to visualise the costs of homeownership beyond just the mortgage, and Phil has the executive functioning of a methed out squirrel. I don't know if you can do this in the US but in other places you can just pay on the interest, rather than the principal, for years at a time, building no equity at all. Plus, I am assuming Phil has an interest rate of 6.3 million percent, as, I rather doubt he was savvy and got multiple offers of mortgage.

 

[OB 946]

Yes, the mortgage payment may be cheaper than renting but when people live in a house for two years and start talking about releasing the equity, you're gonna have a bad time. Plus, it's hard to visualise the costs of homeownership beyond just the mortgage, and Phil has the executive functioning of a methed out squirrel. I don't know if you can do this in the US but in other places you can just pay on the interest, rather than the principal, for years at a time, building no equity at all. Plus, I am assuming Phil has an interest rate of 6.3 million percent, as, I rather doubt he was savvy and got multiple offers of mortgage.

That's just him being a shitty homeowner. Normal people that aren't retarded can build significant equity and also not fuck themselves over. Don't generalize homeownership as something negative because some people can't manage money for shit. This isn't 2006 anymore, subprime is gone and predatory lending is all but dead.

Anyway, back on topic, I guarantee you the reason he's still underwater on that condo is because he hasn't been paying dick on the principal, and if his debt to income is really as bad as he makes it seem, he could easily be paying over 6% interest, which is absolutely insane for the timeframe he bought the house. Not to mention that if you have shit credit or make a small down payment, the bank can require you pay out PMI, which makes those payments sometimes hundreds of dollars more.

 

[Plumbaby]

That's just him being a shitty homeowner. Normal people that aren't exceptional can build significant equity and also not fuck themselves over. Don't generalize homeownership as something negative because some people can't manage money for shit. This isn't 2006 anymore, subprime is gone and predatory lending is all but dead.

holy shit lmao

 

[BallBuster]

That's just him being a shitty homeowner. Normal people that aren't exceptional can build significant equity and also not fuck themselves over. Don't generalize homeownership as something negative because some people can't manage money for shit. This isn't 2006 anymore, subprime is gone and predatory lending is all but dead.

Anyway, back on topic, I guarantee you the reason he's still underwater on that condo is because he hasn't been paying dick on the principal, and if his debt to income is really as bad as he makes it seem, he could easily be paying over 6% interest, which is absolutely insane for the timeframe he bought the house. Not to mention that if you have shit credit or make a small down payment, the bank can require you pay out PMI, which makes those payments sometimes hundreds of dollars more.

I thought PMIs were only applied until you pay 20% of the loan back?

 

[gobbogobb]

I thought PMIs were only applied until you pay 20% of the loan back?

20 percent of principal usually. If his claim the bank won’t let him short sale is true he’s upside down as fuck or the condo is a shitheap value-wise

 

[Done]

He could like. Y'know ignore it and move on?

Then why can't you take your own advice and move on? Dude is answering questions and mostly staying out of it, I see nothing wrong with that.

 

[BallBuster]

20 percent of principal usually. If his claim the bank won’t let him short sale is true he’s upside down as fuck or the condo is a shitheap value-wise

Him not being able to short sale it makes sense if he hasn’t defaulted on a mortgage payment. The bank stands to make more bleeding him on high interest rates.

But a short sale will fuck up your credit bad for a few years so why he wants to go that route is beyond me. Idiot needs to sell it and take it on the chin at this point but he has no business sense. He will let that place continue to bleed him.

 

[gobbogobb]

Him not being able to short sale it makes sense if he hasn’t defaulted on a mortgage payment. The bank stands to make more bleeding him on high interest rates.

But a short sale will fuck up your credit bad for a few years so why he wants to go that route is beyond me. Idiot needs to sell it and take it on the chin at this point but he has no business sense. He will let that place continue to bleed him.

True. I’m assuming he’s chronically close to default with no real hope of paying the place off. Condos don’t build the same equity as single family housing at least around here so the longer he takes to pay the worse it gets.

Edit. This is probably also why he can’t private sale. Shit is worth just that. Especially if there are foreclosures in the complex.

 

[BallBuster]

True. I’m assuming he’s chronically close to default with no real hope of paying the place off. Condos don’t build the same equity as single family housing at least around here so the longer he takes to pay the worse it gets.

Okay so I just decided to look up his CT apartment. Zillow shows it was up for sale and even pending a sale in January of 2017 before being removed in May. It’s currently worth half what he paid for it. It even has recent pictures of the inside.

EDIT: was being sold as a short sale too. What did we miss?

 

[gobbogobb]

Okay so I just decided to look up his CT apartment. Zillow shows it was up for sale and even pending a sale in January of 2017 before being removed in May. It’s currently worth half what he paid for it. It even has recent pictures of the inside.

Sounds about right from my experience trying to dump an old condo. Toxic investment

Edit: maybe the bank let him put it on the market. Lenders can basically say “sure try to sell but we can say no if we don’t like the price”