DarksydePhil / TheyCallMeDSP / Phil Burnell - General Discussion

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rizlajizzla said:
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.
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We can't, which is why there's been a drive for millennials to find roommates right out of college. There has been a growing demographic of 20 something year olds living with other adults in cities until 1)career offers more income 2)marriage 3) see 1. I'm american. It's not impossible to buy a home, manage debt and finances, while planning a yearly trip aboard. It takes planning. It tasks fiscal planning(hell, a wife or husband helps too). Phil is in debt because he spends more than he saves OR he is lying about everything and is just playing poor to pad his savings account off the back of fans who work hourly jobs, are students or make less than $40k a year.
 
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BallBuster said:
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?
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That's an old saga. iirc he didn't want to sell it for market rates and wasn't being cooperative with actually selling it (based upon testimony by someone on here)
 
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I
gobbogobb said:
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”
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I can't believe, upon starting his first adult job, Phil decided to buy a condominium. I know he shared an apartment with friends for a while, but I can't believe his parents/friends didn't point him toward an apartment. I have friends that work/live in Connecticut, the stupid isn't rife there, but it is there.
 
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Btw just a note on the powerlevel rating because I see people give it our for the wrong shit on here:

  • powerlevel is not "I have had a similar experience with tax/credit cards and this was what it was like"
  • its more about people self-doxing themselves "Avoid revealing intimate, personal details about yourself in public boards."
 
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Dim Chauffers said:
It's almost like it's a throw in a fighting game or something.
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It has been called that. But I am a little hesitant to make that distinction since all three androids actually have command throws. 21's is the absorb. 16's are part of his combo game. And 18's are just ass.
 
BallBuster said:
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.
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If I were in his shoes (medical with velcro) I would go the short sale route. He's underwater so the bank will eat the difference between the loan and the sale price (as I understand it, I may be wrong). Sure it'll wreck his credit but who cares? He already bought another house and another car, what else is there that he needs to buy in the next 10 years?

The reasonable thing he should do is refinance his WA home. Take the equity he made on that home and use it to pay off the CT loan so he can sell the condo.

The last thing I would do is keep fucking paying mortgage/utilities/condo fees/property tax in perpetuity on a condo I despise and do absolutely nothing with.
 
LordAutismo said:
It has been called that. But I am a little hesitant to make that distinction since all three androids actually have command throws. 21's is the absorb. 16's are part of his combo game. And 18's are just ass.
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It's absolutely the game's Throw, that's what I'm getting at. Throws are typically something you can only react to on instinct. It also whiffs on blockstun, so there's a little more to folks landing it than just letting an assist keep the opponent busy.
 
Soulmaid announcement prestream. November 27th, 2017. Timestamp 3:06 - 3:58

"She's a person who very much DOES NOT want to have a public persona... she does not want to be involved with all the online drama. She has NO aspirations to go out and make a YouTube channel or a Twitch stream or anything like that. She doesn't want to have a public persona. She very much wants to have her own life outside being a part of mine. And that's why I have not mentioned ANYTHING up to this point..."

:thinking:
 
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JackDavis said:
If I were in his shoes (medical with velcro) I would go the short sale route. He's underwater so the bank will eat the difference between the loan and the sale price (as I understand it, I may be wrong). Sure it'll wreck his credit but who cares? He already bought another house and another car, what else is there that he needs to buy in the next 10 years?

The reasonable thing he should do is refinance his WA home. Take the equity he made on that home and use it to pay off the CT loan so he can sell the condo.

The last thing I would do is keep fucking paying mortgage/utilities/condo fees/property tax in perpetuity on a condo I despise and do absolutely nothing with.
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Bank has the RoFR on any sale under the amount owed, and as long as he's covering interest and PMI, they have no reason to allow a short sale. Tbh his credit is already garbage, so he might as well just allow it to go into foreclosure.
 
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Why did he move right outside Seattle anyways?

He could have gotten an actual house for pennies compared to moving to an urban / burbs outside a major city if he'd found some small town someplace.

All he needs is a grocery store and internet, there's no reason to live someplace with high housing costs.
 
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DiabeticSP said:
All he needs is a grocery store and internet, there's no reason to live someplace with high housing costs.
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Of course he moved somewhere with no access to fiber internet too. So his internet payments are massive and his internet connection is shit.
 
neger psykolog said:
That's an old saga. iirc he didn't want to sell it for market rates and wasn't being cooperative with actually selling it (based upon testimony by someone on here)
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Yep. I’m just learning now that I’m late on this saga. But I’ll add in my 2 cents. Long post full of numbers (probably wrong numbers but I’m bored at work)

He wanted to do a short sale, which would have left him free and clear but with shit credit. Short sales are handled entirely by the bank. The bank declined the short sale offer of $67,000 (or under) because he most likely owes well over $90k on it still (paid $131k in 2009) and with interest and him probably paying the bare minimum monthly, the bank can bleed him for decades for Way more than 67k unless he purposely defaults.

Now, defaulting may not even help him because it is possible the bank threatened to garnish his bank accounts because they know he makes enough to pay the note every month.

Now I don’t know what his interest rate is or what he put down on the apartment when he bought it. I heard 6% but that seems high. But it’s been 9 years. Now I estimated on a 6% rate 30 year, until now. He’s paid anywhere from 100-108k altogether on the apartment on a loan that would be costing him 282k at the end of the 30 years.

At a more believable 4.5% rate it would be 238k over 30 years with an average 872$ monthly payment. Now we are talking $83k he’s paid into the apartment leaving him with 156k left if he keeps paying the minimum. This means he’s paid less than 40k into the principal. Let’s say he has $93,000 left on the principal.

Selling the condo at a generous $65,000 means he is left with a $28,000 loan and his monthly payment minimum drops because he doesn’t have taxes or insurance on the condo anymore, plus the interest rate could be renegotiated to be lower as well. Way more manageable. Again I just estimated a lot of these numbers and I suck at math but I think I’m in the ballpark... maybe.

He’d rather act like a prideful douche and not take a massive loss on a bad investment and keep it, than admit he made a bad choice and sell it.


EDIT: He’s suspended from twitch?!?!? Hang on I need to verify this.
 
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Phil's "HOMEMADE" suspension day din din.

The comments are lighting his ass up doh..

Also, he upload this pic as a fucking video for some reason.

Those taxes are fucking with his mind yo!

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Bonus comment of the day:

Capture.JPG
 
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Noob-Noob said:
Phil's "HOMEMADE" suspension day din din.

The comments are lighting his ass up doh..

Also, he upload this pic as a fucking video for some reason.

Those taxes are fucking with his mind yo!

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Bonus comment of the day:

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His commenters are kind of sad.
That’s store bought tortillas and chicken!
No shit. Most people don’t slaughter chickens or make tortillas at home. It’s an Instagram post that basically it wasn’t a prepackaged meal not a cooking show.
 
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