THeBlueCashew

You get the house senate & the presidency

....then you mericans kin get a taste of what absolute power is all about

But remember absolute power corrupts absolutely

But dont say i didnt warn ya

Quote from: JOE on November 08, 2024, 02:19:18 PMYou get the house senate & the presidency

....then you mericans kin get a taste of what absolute power is all about

But remember absolute power corrupts absolutely

But dont say i didnt warn ya

Calm the fuck down old man! I predicted the win!

Quote from: JOE on November 08, 2024, 02:19:18 PMYou get the house senate & the presidency

....then you mericans kin get a taste of what absolute power is all about

But remember absolute power corrupts absolutely

But dont say i didnt warn ya

(https://i.imgflip.com/99soqb.jpg)

Quote from: JOE on November 08, 2024, 02:19:18 PMYou get the house senate & the presidency

....then you mericans kin get a taste of what absolute power is all about

But remember absolute power corrupts absolutely

But dont say i didnt warn ya

Aw, so's your old man.

Quote from: Prof Emeritus at Fawk U on November 09, 2024, 02:05:13 PMAw, so's your old man.

..... and yet I cant forget what George W Bush & his henchman did to wreck your country & the rest of the World the last time the Republcan party had absolute power controlling the presidency house & senate Prof Emeritus at Fawk U prof

Your party owns that legacy

911 The Iraq War & the Great Financial Crisis

Had the US political system been more equitable & someone like Ron Paul had a say in 2000 none of these crises might not ever have happened

Remember absolute power corrupts absolutely

And you will find this out since you didnt learn this lesson from the Bsh administration

Quote from: JOE on November 10, 2024, 08:26:44 AM..... and yet I cant forget what George W Bush & his henchman did to wreck your country & the rest of the World the last time the Republcan party had absolute power controlling the presidency house & senate Prof Emeritus at Fawk U prof

Your party owns that legacy

911 The Iraq War & the Great Financial Crisis

Had the US political system been more equitable & someone like Ron Paul had a say in 2000 none of these crises might not ever have happened

Remember absolute power corrupts absolutely

And you will find this out since you didnt learn this lesson from the Bsh administration

Geez, I was just joking and you take it personally.  Wash off the butthurt and try to lighten up.  Trying to help you here.

Quote from: JOE on November 08, 2024, 02:19:18 PMYou get the house senate & the presidency

....then you mericans kin get a taste of what absolute power is all about

But remember absolute power corrupts absolutely

But dont say i didnt warn ya

Fuck off and die, faggit!

Quote from: JOE on November 10, 2024, 08:26:44 AM..... and yet I cant forget what George W Bush & his henchman did to wreck your country & the rest of the World the last time the Republcan party had absolute power controlling the presidency house & senate Prof Emeritus at Fawk U prof

Your party owns that legacy

911 The Iraq War & the Great Financial Crisis

Had the US political system been more equitable & someone like Ron Paul had a say in 2000 none of these crises might not ever have happened

Remember absolute power corrupts absolutely

And you will find this out since you didnt learn this lesson from the Bsh administration

WRONG! You lying piece of shit! It was that FAGGIT, just like YOU, Barney Frank, that insisted on giving out high risk home loans to losers, mexcrements, nigger trash, and filthy whores, that collapsed the country. I told your faggit ass this a dozen times before but your too fucking stupid to learn! America will be much better when we shit spray illegals diarrhea all out in your face!!! Enjoy living in an even bigger toilet filled with even more poop, you stupid assed cucked out shitstain! Oh, and good job losing all that money from not selling your gold and silver when I told your dumb ass to!

KA-POWN3D!  :crampe: 

Quote from: JOE on November 10, 2024, 08:26:44 AM..... and yet I cant forget what George W Bush & his henchman did to wreck your country & the rest of the World the last time the Republcan party had absolute power controlling the presidency house & senate Prof Emeritus at Fawk U prof

Your party owns that legacy

911 The Iraq War & the Great Financial Crisis

Had the US political system been more equitable & someone like Ron Paul had a say in 2000 none of these crises might not ever have happened

Remember absolute power corrupts absolutely

And you will find this out since you didnt learn this lesson from the Bsh administration

And yet you're too stupid to read a fucking paper or news article about what caused the financial collapse of 2007/2008! Brain dead idiot! Pretty sure your mom cut off your oxygen when you were young!

Quote from: JOE on November 10, 2024, 08:26:44 AM..... and yet I cant forget what George W Bush & his henchman did to wreck your country & the rest of the World

yet you were happy to forget all about that when Cheney's douchebag of a daughter endorsed Kamala and Kamala actually considered making her the secretary of defense. Of all fucking things!

..........................

Quote from: JOE on November 10, 2024, 08:26:44 AM..... and yet I cant forget what George W Bush & his henchman did to wreck your country & the rest of the World the last time the Republcan party had absolute power controlling the presidency house & senate Prof Emeritus at Fawk U prof

Your party owns that legacy

911 The Iraq War & the Great Financial Crisis

Had the US political system been more equitable & someone like Ron Paul had a say in 2000 none of these crises might not ever have happened

Remember absolute power corrupts absolutely

And you will find this out since you didnt learn this lesson from the Bsh administration

 So we should just all starve and end up homeless while wars go on all over the world just because of 9/11?

 Are you just ignoring all the war and conflict democrats got into all the years THEY were in the drivers seat?

 You'd have to be. Also what caused the financial crisis in 2007/2008 again?

 You still don't understand what happened.

Quote from: Dove on November 10, 2024, 02:16:57 PMSo we should just all starve and end up homeless while wars go on all over the world just because of 9/11?

 Are you just ignoring all the war and conflict democrats got into all the years THEY were in the drivers seat?

 You'd have to be. Also what caused the financial crisis in 2007/2008 again?

 You still don't understand what happened.

Heres what I remember about the W Bush admnistration Dove Dove.

Bush gave out $2 trillion in tax cuts after Al Gore, a Democrat, & John McCain, a Republican, warned him not to.

And then W started Wars such as Iraq despite warnings not to do so by at least 95% of the nations. But he dd it anyway. And after starting those wars W refused to raise taxes & in the process bleeding the coffers dry.

So when the GFC hit, there was no money left in the kitty to fight that crisis. Hence there was a liquidity crunch & the treasuries of all the nations had to pitch in to bail the US & the rest of the world out of that mess.

It was Hank Paulson, W's Treasury Secretary who had to initiate that bailout. Even decent Republicans had to pitch in to clean up the mess W created

That Iraq War & the GFC fall squarely on the shoulders of W & his administraion.

Quote from: JOE on November 10, 2024, 02:37:32 PMHeres what I remember about the W Bush admnistration Dove Dove.

Bush gave out $2 trillion in tax cuts after Al Gore, a Democrat, & John McCain, a Republican, warned him not to.

And then W started Wars such as Iraq despite warnings not to do so by at least 95% of the nations. But he dd it anyway. And after starting those wars W refused to raise taxes & in the process bleeding the coffers dry.

So when the GFC hit, there was no money left in the kitty to fight that crisis. Hence there was a liquidity crunch & the treasuries of all the nations had to pitch in to bail the US & the rest of the world out of that mess.

It was Hank Paulson, W's Treasury Secretary who had to initiate that bailout. Even decent Republicans had to pitch in to clean up the mess W created

That Iraq War & the GFC fall squarely on the shoulders of W & his administraion.

There's way more to that conflict of interest...and you know it! Do a little more research rather than plagiarising a few opinions on an age-old article. Use your head for once in your life Joe.

Quote from: JOE on November 10, 2024, 02:37:32 PMHeres what I remember about the W Bush admnistration Dove Dove.

Bush gave out $2 trillion in tax cuts after Al Gore, a Democrat, & John McCain, a Republican, warned him not to.

And then W started Wars such as Iraq despite warnings not to do so by at least 95% of the nations. But he dd it anyway. And after starting those wars W refused to raise taxes & in the process bleeding the coffers dry.

So when the GFC hit, there was no money left in the kitty to fight that crisis. Hence there was a liquidity crunch & the treasuries of all the nations had to pitch in to bail the US & the rest of the world out of that mess.

It was Hank Paulson, W's Treasury Secretary who had to initiate that bailout. Even decent Republicans had to pitch in to clean up the mess W created

That Iraq War & the GFC fall squarely on the shoulders of W & his administraion.

Yeah but you keep missing how the Republicans changed the party and took it back for the average Ametican.

Remember the TEA Party that formed under Bush? The Taxed Enough Already group that Occupied Wallstreet until it got over ran with socialists and people who were shitting on cop cars?  The Tea party occupied Wallstreet against the bail outs. None of us support bail outs.

I've told you many times....this is not Bush's Republican party.

Have you just not noticed how rinos even spoke against Trump and maga right wingers?

Also no one has total power. I keep seeing this kind of language. That's not how this works. We still have checks and balances in place. Just because the country is so fed up with democrats that they had a republican sweep doesn't mean anyone has power. We still have branches of government and term limits.

Republicans have the house and senate for two years and then the people will vote again.

If elected officials are not representing the will of the people they can be voted out. Simple as that.

 Also the war was more complicated than you are making it.  9/11 validated going to war btw.

Quote from: JOE on November 10, 2024, 08:26:44 AM..... and yet I cant forget what George W Bush & his henchman did to wreck your country & the rest of the World the last time the Republcan party had absolute power controlling the presidency house & senate Prof Emeritus at Fawk U prof

Your party owns that legacy

911 The Iraq War & the Great Financial Crisis

Had the US political system been more equitable & someone like Ron Paul had a say in 2000 none of these crises might not ever have happened

Remember absolute power corrupts absolutely

And you will find this out since you didnt learn this lesson from the Bsh administration

They had to destroy terrorist cells in Iraq and they did.... and they might have to do it again however Americans are sick of fighting other peoples wars. Iraq wasn't a failure unless the left is writing about it.

Quote from: Dove on November 10, 2024, 04:44:55 PMAlso the war was more complicated than you are making it.  9/11 validated going to war btw.

At the time the United Nations sanctioned the Iraq war and it wasn't just the USA because those Islamic cells were blowing up everywhere like India, Spain, England, many African places..... Iraq was their training ground and so decisions were made to destroy terrrorist cells.

America went in their Iraq nest to erradicate them. America had the allies to assist, namely the UK and the UK commonwealth countries.

Quote from: caskur on November 10, 2024, 05:10:15 PMThey had to destroy terrorist cells in Iraq and they did.... and they might have to do it again however Americans are sick of fighting other peoples wars. Iraq wasn't a failure unless the left is writing about it.

Trump killed a terrorist leader without harming a single civilian.

I still love that speech lol.

Quote from: Dove on November 10, 2024, 05:33:33 PMTrump killed a terrorist leader without harming a single civilian.

I still love that speech lol.

Dove you have no idea how much stress has been lifted off me and others that Trump and Vance won.

Dove

Have you seen this?

https://www.youtube.com/live/uCKUaJawPco?si=1gHVMqasM-1BKOSJ

Quote from: caskur on November 10, 2024, 05:47:22 PMDove

Have you seen this?

https://www.youtube.com/live/uCKUaJawPco?si=1gHVMqasM-1BKOSJ

Oh boy -- this will have that faggot fairy admin climbing the walls

Quote from: caskur on November 10, 2024, 05:42:18 PMDove you have no idea how much stress has been lifted off me and others that Trump and Vance won.

 I fucking CRIED.

 I thought it was over. We'd never have a fair election again and the western world was done.

 Better days are ahead!

 He didn't just win. The DNC got slaughtered.

Quote from: Dove on November 10, 2024, 07:02:12 PMI fucking CRIED.

 I thought it was over. We'd never have a fair election again and the western world was done.

 Better days are ahead!

 He didn't just win. The DNC got slaughtered.

To their credit, the Republican party was a lot smarter this time blocking ways to potentially cheat.

Quote from: Dove on November 10, 2024, 07:02:12 PMI fucking CRIED.

 I thought it was over. We'd never have a fair election again and the western world was done.

 Better days are ahead!

 He didn't just win. The DNC got slaughtered.

It's all their woke rubbish and they blame Trump for absolutely EVERYTHING except their cretinous selves and their ridiculous woke agenda.

They will be lucky if the Demon Rats ever see an election win ever again.

The UK is suffering and so is Australia. The UK are locking up old people for making fb and Twitter posts and let out rapists and murderers early because their jails are full. In Australia Pauline Hanson was fined 100s of thousands for telling a Pakistani bitch to go home... the Pakistani bitch insulted our Queen and our country. So Pauline told her to piss off and go back to Pakistan if she didn't like Australia.

Quote from: Thiel on November 10, 2024, 07:10:36 PMTo their credit, the Republican party was a lot smarter this time blocking ways to potentially cheat.

I think voting early helped a lot but not only that, Trump and Vance campaigned non stop... rally after rally... a Mammoth and gruelling feat.

And the more the press were against Trump the more Americans rallied behind him... it was tense but it was beautiful at the same time.

Quote from: caskur on November 10, 2024, 07:24:16 PMI think voting early helped a lot but not only that, Trump and Vance campaigned non stop... rally after rally... a Mammoth and gruelling feat.

And the more the press were against Trump the more Americans rallied behind him... it was tense but it was beautiful at the same time.

An important factor in this election was cleaning up electoral rolls.

Quote from: caskur on November 10, 2024, 07:19:01 PMIt's all their woke rubbish and they blame Trump for absolutely EVERYTHING except their cretinous selves and their ridiculous woke agenda.

They will be lucky if the Demon Rats ever see an election win ever again.

The UK is suffering and so is Australia. The UK are locking up old people for making fb and Twitter posts and let out rapists and murderers early because their jails are full. In Australia Pauline Hanson was fined 100s of thousands for telling a Pakistani bitch to go home... the Pakistani bitch insulted our Queen and our country. So Pauline told her to piss off and go back to Pakistan if she didn't like Australia.

 Yep. I'm SO glad you guys see it.

 I remember you first getting into these arguments and saying that us righties were just as bad lol

 SO glad you guys see this for what it is.

Quote from: JOE on November 08, 2024, 02:19:18 PMYou get the house senate & the presidency

....then you mericans kin get a taste of what absolute power is all about

But remember absolute power corrupts absolutely

But dont say i didnt warn ya

Jo Jo honeybunch, remember after we had sex this morning I informed you that the Democrats had all three from 2020-2022. Remember that Sweetie. It was right after you extinguished your cigarette.

Quote from: Dove on November 10, 2024, 07:39:57 PMYep. I'm SO glad you guys see it.

 I remember you first getting into these arguments and saying that us righties were just as bad lol

 SO glad you guys see this for what it is.

It is not right or left anymore. The new Democrats are control freaks and we the people stopped them(for now).

Quote from: Thiel on November 10, 2024, 07:42:34 PMIt is not right or left anymore. The new Democrats are control freaks and we the people stopped them(for now).

 Exactly.

 You're right and there are many normal minded and reasonable people from the actual left who also are breathing a sigh of relief over this.

 The DNC was slaughter so hard they need to now step way back and do an autopsy.

 Reevaluate what they did. Their messaging.

 It's gonna be interesting. See how the next 4 years of Trump get reported on now that they know the majority of the country rejected their nonstop hate and lies.

 JOEJ

 Have you ever actually listened to Trump?

 https://youtu.be/8tN9kMPcibE?si=bHOqaXQNkaE_ii_E

 Who remembers Trump roasting the RNC donor audience? lmao

Quote from: Dove on November 10, 2024, 08:24:24 PMJOEJ

 Have you ever actually listened to Trump?

 https://youtu.be/8tN9kMPcibE?si=bHOqaXQNkaE_ii_E

 Who remembers Trump roasting the RNC donor audience? lmao

Joe knows, but doesn't care. He thinks he is getting under your skin by being an asshole.

I guess you have to be a virgin senior citizen like Joe to get it. He thinks his twenty year old style of trolling is entertaining.

What a duff gimmick.

Quote from: Grimmy on November 10, 2024, 09:14:55 PMWhat a duff gimmick.

Joe's trolling is the same record playing over and over again.

Quote from: Herman on November 10, 2024, 09:27:30 PMJoe's trolling is the same record playing over and over again.

Quote from: Grimmy on November 10, 2024, 09:32:39 PM

Like most folks, I would rather watch this entire video than read one Joe post.

Quote from: Dove on November 10, 2024, 04:44:55 PMYeah but you keep missing how the Republicans changed the party and took it back for the average Ametican.

Remember the TEA Party that formed under Bush? The Taxed Enough Already group that Occupied Wallstreet until it got over ran with socialists and people who were shitting on cop cars?  The Tea party occupied Wallstreet against the bail outs. None of us support bail outs.

I've told you many times....this is not Bush's Republican party.

Have you just not noticed how rinos even spoke against Trump and maga right wingers?

Also no one has total power. I keep seeing this kind of language. That's not how this works. We still have checks and balances in place. Just because the country is so fed up with democrats that they had a republican sweep doesn't mean anyone has power. We still have branches of government and term limits.

Republicans have the house and senate for two years and then the people will vote again.

If elected officials are not representing the will of the people they can be voted out. Simple as that.

 Also the war was more complicated than you are making it.  9/11 validated going to war btw.

If Trump turns out better than expected, I could change my mind Dove Dove

We'll see if he's a vast improvement or not.

But thus far, I'm not convinced he can deliver positive change.

Also he seems extremely confrontational to warn that he is about to drain the swamp

I don't see how that could unify your country but will do the opposite.

It wasn't exactly a message of conciliation or healing of a divided nation.

But I think the Bush years really ruined America & are the root of its deep divisions today.

Quote from: JOE on November 11, 2024, 12:19:56 AMIf Trump turns out better than expected, I could change my mind Dove Dove

We'll see if he's a vast improvement or not.

But thus far, I'm not convinced he can deliver positive change.

Also he seems extremely confrontational to warn that he is about to drain the swamp

I don't see how that could unify your country but will do the opposite.

It wasn't exactly a message of conciliation or healing of a divided nation.

But I think the Bush years really ruined America & are the root of its deep divisions today.

Your idea of positive change is vastly different to ours. This is Trump helping future generations and those to come, and putting them on the right path from the outset.

Your mob and the "A-list" WOKE Hollywood set a dangerous precedent in trying to divide a nation.

Even today Trump has been in conversation with Putin and working towards ending the war in the Ukraine that the US unanimously condemns.

Thank goodness the majority of good Americans saw fit to elect the right person for the job Joe!

Let's pray...

Quote from: JOE on November 11, 2024, 12:19:56 AMIf Trump turns out better than expected, I could change my mind Dove Dove

We'll see if he's a vast improvement or not.

But thus far, I'm not convinced he can deliver positive change.

Also he seems extremely confrontational to warn that he is about to drain the swamp

I don't see how that could unify your country but will do the opposite.

It wasn't exactly a message of conciliation or healing of a divided nation.

But I think the Bush years really ruined America & are the root of its deep divisions today.

 You are complaining about Bush's division and war...and since Bush it's been democrats running the country and all we have had is intense division and war.

 How did all the years between Bush and now mend that division and war?

 What have the democrats done in all their years having US government seats to mend division in this country?

 Have you seen the way they lie and fear monger?

 Joe you just complained that a president elect is strongly promising to do what 75 million Americans voted him in to do. You realize that, right?

 WE have tried to mend division with conversations and reasoning. Fixing division stopped being a priority for us a long time ago. You know what is a priority? Getting corruption out of out government.

 Do you think whipping people up into furry and fear and calling Americans actual nazis and racists was good for unity? You wanna see that party still in the drivers seat?

 The American people don't and it looks like many people all over the western world agree with us

 You are worried about division, and war mongering? Well rest easy, Joe. We now have the most peaceful US president in my lifetime back in office after most of the country voted for him.

 Don't you forget....he won the popular and electoral votes. Looks like we had more unity in 2024 than we had in a long time.

 "The media is the enemy of the people"

 https://youtube.com/shorts/jnrpG98OsGg?si=mkHm5XoiXeKQAPH-

 Yep. Now we have people who who've had their brains scrambled by the constant hatred and fear mongering that they are having meltdowns, crying and screaming in videos, who believe they are about to lose all their rights and that nazis just took over thr country.

 It's unhinged and grotesque.

 And how does that remove and disrespect their autonomy? When you lie to people and gaslight them to get them to make a certain  choice, and make it very hard for them to access the truth, they are not making their own choice.

 It's sad and disgusting.

 Yesterday Admin was telling me I was willfully dumb because I know Trump never called covid a hoax. I showed him 3 different fact checkers explaining how Trump was calling the democrat response to him a hoax. Not calling covid a hoax.
 
 Then he said "next you'll be telling me he didn't call Mexicans rapists"

 And these things have been debunked and addressed so many times. He is a grown adult and WANTS to believe this shit. Right with all the evidence and facts of what actually said and he still clings to that narrative.

 I get tired of people who believe everyone should fall in line with lies so we can have "unity". 

 We need to get all that corruption out of government and better standards in media.

Quote from: Dove on November 11, 2024, 07:13:19 AMYou are complaining about Bush's division and war...and since Bush it's been democrats running the country and all we have had is intense division and war.

 How did all the years between Bush and now mend that division and war?

 What have the democrats done in all their years having US government seats to mend division in this country?

 Have you seen the way they lie and fear monger?

 Joe you just complained that a president elect is strongly promising to do what 75 million Americans voted him in to do. You realize that, right?

 WE have tried to mend division with conversations and reasoning. Fixing division stopped being a priority for us a long time ago. You know what is a priority? Getting corruption out of out government.

 Do you think whipping people up into furry and fear and calling Americans actual nazis and racists was good for unity? You wanna see that party still in the drivers seat?

 The American people don't and it looks like many people all over the western world agree with us

 You are worried about division, and war mongering? Well rest easy, Joe. We now have the most peaceful US president in my lifetime back in office after most of the country voted for him.

 Don't you forget....he won the popular and electoral votes. Looks like we had more unity in 2024 than we had in a long time.

This is one of Joe's favourite trolling points. People have explained to him that Clinton, and Biden supported the war in Iraq and that Clinton's policy of lending money to people who cannot pay it back lead to the sub prime crisis which caused the global financial crisis.

He is not a serious poster. What separates him from say Flynn, is Joe gets his jollies from derailing our serious discussions. He is a forum cancer and he really needs to find something else to do besides that and post lies about his life on message boards.  Trolls don't read other people's posts.

I have him on ignore. You should consider doing the same.

Quote from: DKG on November 11, 2024, 08:40:23 AMThis is one of Joe's favourite trolling points. People have explained to him that Clinton, and Biden supported the war in Iraq and that Clinton's policy of lending money to people who cannot pay it back lead to the sub prime crisis which caused the global financial crisis.

Quote"The subprime mortgage crisis occurred when banks sold too many mortgages to feed the demand for mortgage-backed securities sold through the secondary market. When home prices fell in 2006, it triggered defaults.

The risk spread into mutual funds, pension funds, and corporations who owned these derivatives. The ensuing 2007 banking crisis and the 2008 financial crisis produced the worst recession since the Great Depression."

It wasn't caused by poor people. They were/are scapegoats for the financial industry criminals who knowingly packaged toxic securities and other derivatives because of sheer greed and an attitude of impunity.

Of course that attitude of impunity was well founded as we saw by Obama's decision to bail out Wall Street and give Main Street naught but the middle finger. Essentially the criminals were rewarded and the cost of their crimes was tossed onto the backs of ordinary citizens.

It was yet another upward wealth transfer; a hallmark of the USA's entire approach to "governance".

Quote"The first warning of the danger of mortgage-backed securities and other derivatives came on February 21, 2003. That's when Warren Buffett wrote to his shareholders, "In our view, however, derivatives are financial weapons of mass destruction, carrying dangers that, while now latent, are potentially lethal.""

They knew.
They did it anyway.
They should all be in fucking jail.


https://www.thebalancemoney.com/subprime-mortgage-crisis-effect-and-timeline-3305745

Hey josephine, your gold and silver dropped again today. PWN3D!  :crampe:

Shoulda sold when I told you, dumb ass!

Quote from: Garraty_47 on November 11, 2024, 09:19:34 AMIt wasn't caused by poor people. They were/are scapegoats for the financial industry criminals who knowingly packaged toxic securities and other derivatives because of sheer greed and an attitude of impunity.

I agree with you. Mostly. Up till the part where you place all of the blame on banks. That is where we differ slightly. Banks indeed are culpable and were in fact the henchmen which carried out will of their puppet masters. 

But they were PLACED in this situation in 1995 by democrat scum via the Community Reinvestment Act of 1995.

This act mandated that banks FIND A WAY to provision loans in low income communities which were estimated to be predominately people of color or face stiff penalties. black and brown People are poor because white people exist!  Typical democrat scum mantra.

The government never worked on any of the underlying issues which were causing homes to be unaffordable to these  people of color. they instead opted to blame the evil corporate empire and mandated their way out of the issue. But they never told banks HOW they were to lend 300,000.00 over a 360 month term at a 7.25% interest rate to a person making 24K a year and keep the principle, homeowners insurance, PMI, interest and Taxes under the 35% of take home pay threshold.

a 24K annual salary estimates at approximately 1590.00 month when you factor in a conservative state and federal taxation of roughly 19% based on the lower income bracket.

So banks had to devise a way to make a monthly mortgage payment not exceed 1590.00 a month. A number which represents a stark variance from prudent budgetary practices for the common American.

And even THIS number was unattainable given the purchase price, term and ancillary expenses which I listed above.

As any online mortgage calculator will tell you, given the factors I listed above (300,000 / 360 @ 7.25) with modest calculations for taxes, insurance, pmi etc etc you should arrive at a monthly payment of 2,739.

2739.00 exceeds the borrowers total monthly income by 1,149.00. so what does the bank do about that 1,1149.00 ? do they take the loss? Hell to the no. THey were never told to do that. They just tack it on to the tail end of the loan so that the poor borrowers principle goes UP every month instead of down. Commonly known as negative amortization. Thus the birth of the ""balloon mortgage" the term coined because the principle keeps growing and growing and growing until one day the whole thing just pops.

and did the democrats know this would happen? I'd expect they did if they had access to a simple calculator -- but they just didn't care. They didn't care because the common idiots marveled at their accomplishments -- Poor Americans buying their first home!!!! All the talking heads applauded as we on the right, with common fucking sense, shook our heads in horror as to what would inevitably befall the American people.

and in 2008 those chickens finally came home to roost

Quote from: Biggie Smiles on November 11, 2024, 10:46:14 AMI agree with you. Mostly. Up till the part where you place all of the blame on banks. That is where we differ slightly. Banks indeed are culpable and were in fact the henchmen which carried out will of their puppet masters. 

But they were PLACED in this situation in 1995 by democrat scum via the Community Reinvestment Act of 1995.

This act mandated that banks FIND A WAY to provision loans in low income communities which were estimated to be predominately people of color or face stiff penalties. black and brown People are poor because white people exist!  Typical democrat scum mantra.

The government never worked on any of the underlying issues which were causing homes to be unaffordable to these  people of color. they instead opted to blame the evil corporate empire and mandated their way out of the issue. But they never told banks HOW they were to lend 300,000.00 over a 360 month term at a 7.25% interest rate to a person making 24K a year and keep the principle, homeowners insurance, PMI, interest and Taxes under the 35% of take home pay threshold.

a 24K annual salary estimates at approximately 1590.00 month when you factor in a conservative state and federal taxation of roughly 19% based on the lower income bracket.

So banks had to devise a way to make a monthly mortgage payment not exceed 1590.00 a month. A number which represents a stark variance from prudent budgetary practices for the common American.

And even THIS number was unattainable given the purchase price, term and ancillary expenses which I listed above.

As any online mortgage calculator will tell you, given the factors I listed above (300,000 / 360 @ 7.25) with modest calculations for taxes, insurance, pmi etc etc you should arrive at a monthly payment of 2,739.

2739.00 exceeds the borrowers total monthly income by 1,149.00. so what does the bank do about that 1,1149.00 ? do they take the loss? Hell to the no. THey were never told to do that. They just tack it on to the tail end of the loan so that the poor borrowers principle goes UP every month instead of down. Commonly known as negative amortization. Thus the birth of the ""balloon mortgage" the term coined because the principle keeps growing and growing and growing until one day the whole thing just pops.

and did the democrats know this would happen? I'd expect they did if they had access to a simple calculator -- but they just didn't care. They didn't care because the common idiots marveled at their accomplishments -- Poor Americans buying their first home!!!! All the talking heads applauded as we on the right, with common fucking sense, shook our heads in horror as to what would inevitably befall the American people.

and in 2008 those chickens finally came home to roost

My wife and I pre-qualified to get a mortgage around 2005 or 2006 and while I cant remember the exact number, when they told us, my wife and I looked at each other like WTF? We knew immediately that if we got anywhere near that number, we'd go bankrupt.

Quote from: Lokmar on November 11, 2024, 10:56:06 AMMy wife and I pre-qualified to get a mortgage around 2005 or 2006 and while I cant remember the exact number, when they told us, my wife and I looked at each other like WTF? We knew immediately that if we got anywhere near that number, we'd go bankrupt.

I was in a resort this week and did one of those timeshare presentations.

Guy tried to sell me on a 29,000.00 loan over a 7 year term with ZERO down that would only cost me 300.00 a month with an interest rate of 6.9%.

I didn't even need a calculator to tell him he was out of his mind on the math.

but think of how many Americans are not as quick on the draw as I am and fall prey to these fucking vultures

Quote from: Biggie Smiles on November 11, 2024, 10:46:14 AMI agree with you. Mostly. Up till the part where you place all of the blame on banks. That is where we differ slightly. Banks indeed are culpable and were in fact the henchmen which carried out will of their puppet masters. 

But they were PLACED in this situation in 1995 by democrat scum via the Community Reinvestment Act of 1995.

This act mandated that banks FIND A WAY to provision loans in low income communities which were estimated to be predominately people of color or face stiff penalties.

It didn't mandate the toxic secondary derivatives market or require borrowers alone to be on the hook if the market imploded (because of the shady practices of the banksters and investment house crooks). Those were decisions made by Wall Street and the white house, respectively. Wall Street got a trillion (trillions?) as a reward for crashing the global economy just to ensure executive bonuses continued flowing to the criminals while the people who were the most vulnerable and negatively affected got a great big "Fuck You".

That's quintessential 'Murica... the wealthy are coddled with privatized profits but public responsibility for risks and a boot in the face for everyone else.

/shrug

Quote from: Garraty_47 on November 11, 2024, 11:16:20 AMIt didn't mandate the toxic secondary derivatives market or require borrowers alone to be on the hook if the market imploded (because of the shady practices of the banksters and investment house crooks). Those were decisions made by Wall Street and the white house, respectively. Wall Street got a trillion (trillions?) as a reward for crashing the global economy just to ensure executive bonuses continued flowing to the criminals while the people who were the most vulnerable and negatively affected got a great big "Fuck You".

That's quintessential 'Murica... the wealthy are coddled with privatized profits but public responsibility for risks and a boot in the face for everyone else.

/shrug

No, the government rules did that. They forced the banks to service deadbeats and high risk people, the banks still had to make money and spread the risks, KABLAMMO!

Not the best written article, and it spreads the blame equally between republicans and democRATs when RATs deserve the vast lions share of the blame, but it paints pretty accurate picture.

https://fee.org/articles/how-the-federal-government-created-the-subprime-mortgage-crisis/

Quote from: Lokmar on November 11, 2024, 12:48:17 PMNot the best written article, and it spreads the blame equally between republicans and democRATs when RATs deserve the vast lions share of the blame, but it paints pretty accurate picture.

https://fee.org/articles/how-the-federal-government-created-the-subprime-mortgage-crisis/

They're still acting like it was simply issuing mortgages, not a drop in the price of homes, that precipitated the bubble bursting. People who had already acquired mortgages didn't make the bubble burst thus dropping the price of a home. Without that condition the market would have chugged along as it had been although as is typical with bubbles of any kind it would have popped eventually.

But not because of people taking an opportunity, maybe their only opportunity, to grab a piece of the 'Murican dream for themselves. If anything they were entrapped by the same system that then threw them under the bus to protect the people who caused the crisis to begin with.

The 'Murican financial system is predatory by nature; that's baked in and exactly why it needs to be destroyed. A system that crashes every 10-20 years (invariably causing the most suffering among the most vulnerable populations) is a failed system and deserves to be shitcanned.

Quote from: Garraty_47 on November 11, 2024, 11:16:20 AMIt didn't mandate the toxic secondary derivatives market or require borrowers alone to be on the hook if the market imploded (because of the shady practices of the banksters and investment house crooks). Those were decisions made by Wall Street and the white house, respectively. Wall Street got a trillion (trillions?) as a reward for crashing the global economy just to ensure executive bonuses continued flowing to the criminals while the people who were the most vulnerable and negatively affected got a great big "Fuck You".

That's quintessential 'Murica... the wealthy are coddled with privatized profits but public responsibility for risks and a boot in the face for everyone else.

/shrug

I hear you and you are correct banks did not have to share the risk among downstream partners, but that is what you can expect the sophisticated risk management departments of fortune 500 companies to do

(which makes it even more hysterically ludicrious when Latisha the wookie james tries to sell the idea that Dutshe bank was some how swindled by Trump's people. Fucking kidding? For every 10 conniving cunts Trump has on the risk management, accounting and attorney payroll Dutshe bank has 100)

My point here is this. The democrats started this ball rolling knowing full well they had not placed sufficient guard rails in place to avoid catastrophe and banks did what you can rely upon profiteering conglomerates to do. Make as much money as possible with the least amount of risk possible. And while the banks are culpable they are not solely responsible for their actions as they were practically forced at gunpoint to do it.

Quote from: Garraty_47 on November 11, 2024, 01:16:48 PMThey're still acting like it was simply issuing mortgages, not a drop in the price of homes, that precipitated the bubble bursting. People who had already acquired mortgages didn't make the bubble burst thus dropping the price of a home. Without that condition the market would have chugged along as it had been although as is typical with bubbles of any kind it would have popped eventually.

But not because of people taking an opportunity, maybe their only opportunity, to grab a piece of the 'Murican dream for themselves. If anything they were entrapped by the same system that then threw them under the bus to protect the people who caused the crisis to begin with.

The 'Murican financial system is predatory by nature; that's baked in and exactly why it needs to be destroyed. A system that crashes every 10-20 years (invariably causing the most suffering among the most vulnerable populations) is a failed system and deserves to be shitcanned.

Do you know what made the housing market bust? The sudden and dramatic artificial inflation of homes which never had any business selling at the price points they were selling at. And why did this happen? Because the realtor side of this calamity realized that a sudden influx of potential new buys who would otherwise would never be there was sudden there -- therefore -- as we all know.. with an increase in demand will rise a sharp increase in price. this is simply the way of things.

And not to be outdone by mistakes of the past what does Kamala envision for America? A fucking repeat of exactly the same set of circumstances which led to the first crisis.

yey-- 25K to everyone who wants a home! 

and what happens when you have a potential 25K handout flood the housing market? Speculators are suddenly booking bigger and better vacations because christmas will be arriving early this year.

Fucking idiots... I swear.

The way to make homes more affordable for average Americans is not 25K handouts and forced lending practices but a return to the common sense system of economic interactions we enjoyed in the late 40's when a single earner could support a family of 4 and live comfortably on 100.00 bucks a week.

obviously we will never return to an apples to apples comparison with that era but you get the spirit of my point, I'm sure. 

25k ain't shit here in Cali :crampe:

Quote from: Trump's Niece on November 11, 2024, 01:25:31 PM25k ain't shit here in Cali :crampe:

25K doesn't even cover the borrowing costs on a 450,000.00 loan.

Factor in you'll be needing 90K as a down-payment these days you have a total fucking non-starter.

so their position is that someone who NEEDED 25K to buy their first home already had the 90K laying around and makes enough money to handle the monthly payments?

fucking morons

but never be the day were some animal like Oak or Lowestbutthead actually think things through.

Quote from: Dove on November 10, 2024, 07:39:57 PMYep. I'm SO glad you guys see it.

 I remember you first getting into these arguments and saying that us righties were just as bad lol

 SO glad you guys see this for what it is.

TRUMP isn't far right... he is just right and sensible. FAR RIGHT or hard right is just as crazy as hard left who are truly disgusting.

Our right wing party, I may never vote for them again over a thing called Robo debt which saw young men kill themselves when they were issued bills to pay back fraudulent debts to the government when they owed no such debt at all.

I cannot vote for either side. I want Trump...

I am a swing voter... it depends who is leading and we do not have leaders... we have woke wankers.

I loved Gough Whitlam (left)

And I loved John Howard (right)

Both those men did great things

Trump is not far right and that is why I like him..

And the modern left are certifiable nutcases and their breakdowns on Trumps win just prove it.

I think the fact TRUMP IS NOT a politician attracts me the most.

I haven't changed... I am trying to explain myself better. Can you understand me? 

Quote from: Lokmar on November 11, 2024, 10:38:00 AMHey josephine, your gold and silver dropped again today. PWN3D!  :crampe:

Shoulda sold when I told you, dumb ass!

I bought most of mine when Gold was $2500 or less.....Lokmar!

Havent made too many gold puchases since Gold shot past $2500/oz. Even if Gold were to fall to $2300 Id still break even eh?

Usually when I buy Gold these days I try to get it at or below spot.

Believe it or not, there are still some legitimate reputable places selling real gold below its market value.

While I got singed a bit on the current  Silver price I bought most of it at or below $30.

Again I try to find deals where I can instead of the established dealers who charge a bit too much.

Anyways I'm in it fer the long haul....Lokmar!

Im gonna put my stash in storage soon, mothball it & dont touch it for the next 10 years or when the SHTF....Bud!

Actually Lokmar I think its best to make investments NOW while the dollar or our currencies are still worth something eh?

The longer anyone keeps it in cash its gonna keep depreciating & be worth less n less by year.

TRANSLATED: Buy the Hard Assets now before Inflation eats away at your dollar and they become too Expensive

Anyways thats my strategy primarily cuz I was around during the 1970s and I witnessed how inflation ate away at our purchasing power & many things become more expensive

Regardless of who is in the White House I think we'll see a repeat of the 1970s with the latter part of the decade seeing a resurgence in inflation just like it did 50 years ago

Quote from: Garraty_47 on November 11, 2024, 09:19:34 AMIt [The GFC] wasn't caused by poor people. They were/are scapegoats for the financial industry criminals who knowingly packaged toxic securities and other derivatives because of sheer greed and an attitude of impunity.

Thats what I think too Garraty_47 Garraty

Im sure many people do.

But of course the msm packages it that way to make you think that the folks on Main Street were to blame. By doing so they are essentially 'poor bashing' in order to find a convenient scapegoat for their excesses.

In fact I dont think that the sub prime crisis was even the cause of the GFC. Its just another smokescreen   To hide the crimes of thr elites and wall street who were embezzling & then later neatly covered their tracks to hide their activity. Bernie Madoff only got nailed cuz he didnt hide his activities well enough. But he was just thecyip of the iceberg and many others were doing it

Bad fiscal policy of the Bush administration & looking the other way was the primary cause. $2 trillion in tax cuts and those wars must have left at least a $5 trillion shortfall which was badly needed to combat the GFC

Anyway it simply isnt logical that 95% or more of the folk on Main Street caused this crisis when they own and control just 1% if the wealth. It had to be the people at the top who control 99% of the weslth.


Quite obviously they got greedy suffrd their pockets which caused a liquidity criss that slmost brought the system down

Anyways Garraty_47 Garraty the elites have been lying to us since the beginning of the Industrial Revolution when they tarred & feathered the Luddites who were just trying to protect their livelihoods. The lied about WWI & II, Vietnam, 911, Iraq, the GFC & the Pandemic.

Is it a surprise nobody believes them anymore?

Yay! You did it!


I hope ya'll get what ya wshed for....

....and more!

https://www.youtube.com/watch?v=rhtLx08sAqc

Quote from: Biggie Smiles on November 11, 2024, 08:26:31 PMhttps://www.youtube.com/watch?v=rhtLx08sAqc

Looks like the face of a wife beater.

Quote from: JOE on November 11, 2024, 08:30:04 PMLooks like the face of a wife beater.

Really?

Can we assume you are some kind of authority on what wife beaters look like by default?  :popcorn:

Quote from: Garraty_47 on November 11, 2024, 01:16:48 PMThey're still acting like it was simply issuing mortgages, not a drop in the price of homes, that precipitated the bubble bursting. People who had already acquired mortgages didn't make the bubble burst thus dropping the price of a home. Without that condition the market would have chugged along as it had been although as is typical with bubbles of any kind it would have popped eventually.

But not because of people taking an opportunity, maybe their only opportunity, to grab a piece of the 'Murican dream for themselves. If anything they were entrapped by the same system that then threw them under the bus to protect the people who caused the crisis to begin with.

The 'Murican financial system is predatory by nature; that's baked in and exactly why it needs to be destroyed. A system that crashes every 10-20 years (invariably causing the most suffering among the most vulnerable populations) is a failed system and deserves to be shitcanned.

The largest part of why the prices dropped is because people were defaulting and it flooded the market.

Quote from: JOE on November 11, 2024, 02:13:35 PMI bought most of mine when Gold was $2500 or less.....Lokmar!

Havent made too many gold puchases since Gold shot past $2500/oz. Even if Gold were to fall to $2300 Id still break even eh?

Usually when I buy Gold these days I try to get it at or below spot.

Believe it or not, there are still some legitimate reputable places selling real gold below its market value.

While I got singed a bit on the current  Silver price I bought most of it at or below $30.

Again I try to find deals where I can instead of the established dealers who charge a bit too much.

Anyways I'm in it fer the long haul....Lokmar!

Im gonna put my stash in storage soon, mothball it & dont touch it for the next 10 years or when the SHTF....Bud!

Actually Lokmar I think its best to make investments NOW while the dollar or our currencies are still worth something eh?

The longer anyone keeps it in cash its gonna keep depreciating & be worth less n less by year.

TRANSLATED: Buy the Hard Assets now before Inflation eats away at your dollar and they become too Expensive

Anyways thats my strategy primarily cuz I was around during the 1970s and I witnessed how inflation ate away at our purchasing power & many things become more expensive

Regardless of who is in the White House I think we'll see a repeat of the 1970s with the latter part of the decade seeing a resurgence in inflation just like it did 50 years ago

Idiot, gold is heading to $2500/oz and silver below $30/oz. You shoulda sold when I told you to and took some profits, then bought back in at the on sale price like I'm going to.

You fukin dumb ass!  :crampe:

Quote from: Lokmar on November 11, 2024, 10:03:51 PMThe largest part of why the prices dropped is because people were defaulting and it flooded the market.

Al KA-PAWNE! You're finally sober dipshit!? :crampe:

Quote from: Lokmar on November 11, 2024, 10:06:44 PMIdiot, gold is heading to $2500/oz and silver below $30/oz. You shoulda sold when I told you to and took some profits, then bought back in at the on sale price like I'm going to.

You fukin dumb ass!  :crampe:

Maybe even lower n that Lokmar

< $25 Silver is a possibility too

Posted a link in the Gold thread

Everyones selling pm piling into bitcoin right now

However i still dont trust anything that is not real

Personally i think bitcoin is a setup for what is coming - cbdc's

They want us to embrace bitcoin so we will accept electronic money and eventually surrender our privacy

This has slready been done in china snd increasingly in europe

Anyways just my 2 bits

Whats your opinion on bitcoin?

Quote from: Lab Flaker on November 11, 2024, 10:08:58 PMAl KA-PAWNE! You're finally sober dipshit!? :crampe:

KA-POWN3D! you fukin assclown! Dont be throwing stones you drunk roo fucker!

Quote from: JOE on November 11, 2024, 10:15:05 PMMaybe even lower n that Lokmar

< $25 Silver is a possibility too

Posted a link in the Gold thread

Everyones selling pm piling into bitcoin right now

However i still dont trust anything that is not real

Personally i think bitcoin is a setup for what is coming - cbdc's

They want us to embrace bitcoin do we will accept electronic money and eventually our privacy

This has slready been done in china snd increasingly in europe

Anyways just my 2 bits

Whats your opinion on bitcoin?

You shoulda bought bitcoin years ago.

Anyway, silver wont go below $27/oz.

Quote from: Lokmar on November 11, 2024, 10:19:04 PMYou shoulda bought bitcoin years ago.

Anyway, silver wont go below $27/oz.

I shoulda bought google and apple too

Shoulda woulda coulda

Nah i dont have any regrets Lokmar

If it shoots to the moon let it
If i missed out on it so be it

I still dont ttust bitcoin

Best way to enter that market now is to try mining  earning getting paid for a service or bartering nut not buying it with your own money

Remeber what happened to one of the manning brothers

Quote from: Lokmar on November 11, 2024, 10:17:53 PMKA-POWN3D! you fukin assclown! Dont be throwing stones you drunk roo fucker!

Even better! AL KA-POWN3D!  :crampe:

Quote from: Biggie Smiles on November 11, 2024, 10:46:14 AMI agree with you. Mostly. Up till the part where you place all of the blame on banks. That is where we differ slightly. Banks indeed are culpable and were in fact the henchmen which carried out will of their puppet masters. 

But they were PLACED in this situation in 1995 by democrat scum via the Community Reinvestment Act of 1995.

This act mandated that banks FIND A WAY to provision loans in low income communities which were estimated to be predominately people of color or face stiff penalties. black and brown People are poor because white people exist!  Typical democrat scum mantra.

The government never worked on any of the underlying issues which were causing homes to be unaffordable to these  people of color. they instead opted to blame the evil corporate empire and mandated their way out of the issue. But they never told banks HOW they were to lend 300,000.00 over a 360 month term at a 7.25% interest rate to a person making 24K a year and keep the principle, homeowners insurance, PMI, interest and Taxes under the 35% of take home pay threshold.

a 24K annual salary estimates at approximately 1590.00 month when you factor in a conservative state and federal taxation of roughly 19% based on the lower income bracket.

So banks had to devise a way to make a monthly mortgage payment not exceed 1590.00 a month. A number which represents a stark variance from prudent budgetary practices for the common American.

And even THIS number was unattainable given the purchase price, term and ancillary expenses which I listed above.

As any online mortgage calculator will tell you, given the factors I listed above (300,000 / 360 @ 7.25) with modest calculations for taxes, insurance, pmi etc etc you should arrive at a monthly payment of 2,739.

2739.00 exceeds the borrowers total monthly income by 1,149.00. so what does the bank do about that 1,1149.00 ? do they take the loss? Hell to the no. THey were never told to do that. They just tack it on to the tail end of the loan so that the poor borrowers principle goes UP every month instead of down. Commonly known as negative amortization. Thus the birth of the ""balloon mortgage" the term coined because the principle keeps growing and growing and growing until one day the whole thing just pops.

and did the democrats know this would happen? I'd expect they did if they had access to a simple calculator -- but they just didn't care. They didn't care because the common idiots marveled at their accomplishments -- Poor Americans buying their first home!!!! All the talking heads applauded as we on the right, with common fucking sense, shook our heads in horror as to what would inevitably befall the American people.

and in 2008 those chickens finally came home to roost

You responded with what I do not have time for this morning. And you did it succinctly. :good:

Quote from: Lab Flaker on November 11, 2024, 10:37:20 PMEven better! AL KA-POWN3D!  :crampe:

No, that would be EL KA-POWN3D!!!! FFS!

Quote from: Lokmar on November 12, 2024, 08:44:25 AMNo, that would be EL KA-POWN3D!!!! FFS!

As in Al Capone numb nuts! Ffs!

Quote from: Lab Flaker on November 12, 2024, 03:27:46 PMAs in Al Capone numb nuts! Ffs!

YUO seem to be untrainable.

Quote from: Lokmar on November 12, 2024, 03:28:50 PMYUO seem to be untrainable.

Oh Jesus Christ...I was making fun of you and all your guns that you insist on telling the audience about over and over Al Ka-Pown3d!! Too much blood seems to be supporting that Jewish beak of yours and not circulating your grey matter efficiently.

Quote from: Lab Flaker on November 12, 2024, 03:44:58 PMOh Jesus Christ...I was making fun of you and all your guns that you insist on telling the audience about over and over Al Ka-Pown3d!! Too much blood seems to be supporting that Jewish beak of yours and not circulating your grey matter efficiently.

Its KA-POWN3D! dickhead!!!! Well, it may be EL-KAPOWN3D! now....I'm still considering which.

Definitely NOT Al Ka-Pown3d!!!!!!

(https://media2.giphy.com/media/JjejOAt8yli7Ibo0e4/giphy.gif?cid=6c09b952d48mpmbj6yprm2h4eldsk8f9bdidn4d2k8a04wc1&ep=v1_internal_gif_by_id&rid=giphy.gif&ct=g)

Quote from: Lab Flaker on November 12, 2024, 08:31:03 PM(https://media2.giphy.com/media/JjejOAt8yli7Ibo0e4/giphy.gif?cid=6c09b952d48mpmbj6yprm2h4eldsk8f9bdidn4d2k8a04wc1&ep=v1_internal_gif_by_id&rid=giphy.gif&ct=g)

Damn! U aint lookin too good tonight!  :kleenex:

Quote from: Lokmar on November 11, 2024, 10:56:06 AMMy wife and I pre-qualified to get a mortgage around 2005 or 2006 and while I cant remember the exact number, when they told us, my wife and I looked at each other like WTF? We knew immediately that if we got anywhere near that number, we'd go bankrupt.

 Same. In 2005 I was going through my second divorce.

 My great aunt sold 6 acres of her property here in Troy for a very high amount of profit and she gave me about 55k as an inheritance (she insisted as I grew up on that property)

 So when I was rental shopping for a small place to live and told the rental company that I wanted to just pay off a year lease upon signing it, they went ahead and had me approved for a mortage...and I was like....wtf?!

 Yeah sure I could have afforded a down payment but I didn't want that at all. Then what? I have taxes. Insurance. A mortgage I need to keep up with and any costs related to upkeep. Roof. Pipes. All the maintenance.  They were trying to talk me into a shit ton of unnecessary stress I didn't want. I was 25 years old. State hopping and moving around like a gypsy and working as a dancer. I was not interested in any solid commitments at all. Especially 30 year long ones with no solid line of income.

 I declined and stayed on my plan to just rent.

 I had a friend and her and husband went ahead with a home purchase and I cautioned her and she got mad at me. Her husband worked and she didn't and they made under 50k.  Guess what happened?

 I was right.  It turned out horribly for them...they didn't even make it 5 years. She was bad with money on top of everything else. She was a shopaholic and had no sense whatsoever. I love her too death, but we have very different views on money.

 I get it. Owning a home is a big deal. But of you can't afford it, that becomes a nightmare real quick and unless you have a safety net to afford a few thousand in emergency repairs or pay several months of mortgage out of savings... and unless you have money left over after bills....you can't afford it.  I have another friend whose husband borrowed against his 401k to purchase a home 6 years ago. He is almost 20 years older than her. She has never held a job longer than a year and he makes under 60k and they have 4 children. That makes me nervous for them.

 Up until I left my last job I pretty much always had my own car and my own income and I'm never totally comfortable if I don't. I feel trapped and smothered if I don't. I really tried to give that whole stay at home thing a real shot but ultimately it's just not for me. So maybe I get nervous for her due to my own biases. I'm even more productive at home if I have a job....i use my time better.   

 Even if I married a wealthy man, it's better for me emotionally and spiritually and mentally to get out and  work even if it's some bullshit job like I have right now....I feel SO much better all around.  Buying gifts for the holidays for a man out of his own bank account never felt good or fun for me either. I hate that shit. I want to buy gifts and do things for him with money I earned.....not "hey honey I'm going to use the money you earned to get your birthday gift!!" .....i hate that shit.

 If I were my friend I'd be incredibly nervous about the future. But that's just me, I guess.

 Shit my man CAN afford his house.  And he still stresses everytime we have a repair man show up. The furnace guy is coming today to change the filter on the furnace and my man is already grumbling about how it's gonna end up costing 10k lol.

 Everything costs 10k of course lol.

]

Quote from: Lab Flaker on November 12, 2024, 03:44:58 PMOh Jesus Christ...I was making fun of you and all your guns that you insist on telling the audience about over and over Al Ka-Pown3d!! Too much blood seems to be supporting that Jewish beak of yours and not circulating your grey matter efficiently.

 Shhhhh.....

 https://youtube.com/shorts/pao9HLSylGE?si=9N1QiE44O2h7IBhF

Quote from: Dove on November 14, 2024, 03:58:31 AMSame. In 2005 I was going through my second divorce.

 My great aunt sold 6 acres of her property here in Troy for a very high amount of profit and she gave me about 55k as an inheritance (she insisted as I grew up on that property)

 So when I was rental shopping for a small place to live and told the rental company that I wanted to just pay off a year lease upon signing it, they went ahead and had me approved for a mortage...and I was like....wtf?!

 Yeah sure I could have afforded a down payment but I didn't want that at all. Then what? I have taxes. Insurance. A mortgage I need to keep up with and any costs related to upkeep. Roof. Pipes. All the maintenance.  They were trying to talk me into a shit ton of unnecessary stress I didn't want. I was 25 years old. State hopping and moving around like a gypsy and working as a dancer. I was not interested in any solid commitments at all. Especially 30 year long ones with no solid line of income.

 I declined and stayed on my plan to just rent.

 I had a friend and her and husband went ahead with a home purchase and I cautioned her and she got mad at me. Her husband worked and she didn't and they made under 50k.  Guess what happened?

 I was right.  It turned out horribly for them...they didn't even make it 5 years. She was bad with money on top of everything else. She was a shopaholic and had no sense whatsoever. I love her too death, but we have very different views on money.

 I get it. Owning a home is a big deal. But of you can't afford it, that becomes a nightmare real quick and unless you have a safety net to afford a few thousand in emergency repairs or pay several months of mortgage out of savings... and unless you have money left over after bills....you can't afford it.  I have another friend whose husband borrowed against his 401k to purchase a home 6 years ago. He is almost 20 years older than her. She has never held a job longer than a year and he makes under 60k and they have 4 children. That makes me nervous for them.

 Up until I left my last job I pretty much always had my own car and my own income and I'm never totally comfortable if I don't. I feel trapped and smothered if I don't. I really tried to give that whole stay at home thing a real shot but ultimately it's just not for me. So maybe I get nervous for her due to my own biases. I'm even more productive at home if I have a job....i use my time better.   

 Even if I married a wealthy man, it's better for me emotionally and spiritually and mentally to get out and  work even if it's some bullshit job like I have right now....I feel SO much better all around.  Buying gifts for the holidays for a man out of his own bank account never felt good or fun for me either. I hate that shit. I want to buy gifts and do things for him with money I earned.....not "hey honey I'm going to use the money you earned to get your birthday gift!!" .....i hate that shit.

 If I were my friend I'd be incredibly nervous about the future. But that's just me, I guess.

 Shit my man CAN afford his house.  And he still stresses everytime we have a repair man show up. The furnace guy is coming today to change the filter on the furnace and my man is already grumbling about how it's gonna end up costing 10k lol.

 Everything costs 10k of course lol.

There are so many stories like yours. It was an insane idea under the Clinton administration that the Bush administration foolishly and cowardly continued.

 The furnace guy came today and it's not gonna cost 10k.

 Its costing 13k  :facepalm:  :crampe:

 New furnace AND new central air unit.

 This man still is on oxygen and paying for home repairs

Quote from: Dove on November 14, 2024, 08:47:51 PMThe furnace guy came today and it's not gonna cost 10k.

 Its costing 13k  :facepalm:  :crampe:

 New furnace AND new central air unit.

 This man still is on oxygen and paying for home repairs

I believe it. In 2020, I was still making good money and we had to replace all that. Cost us $9K and I sprung for the best. Now, I make half of what I did thanks to a woketard company and bidenomics. No doubt it would be at least $13K now!!!

Quote from: Dove on November 14, 2024, 08:47:51 PMThe furnace guy came today and it's not gonna cost 10k.

 Its costing 13k  :facepalm:  :crampe:

 New furnace AND new central air unit.

 This man still is on oxygen and paying for home repairs

Home repair bills like that make me glad I own a condo and not a house. But, we have assessments.

Quote from: Dove on November 14, 2024, 08:47:51 PMThe furnace guy came today and it's not gonna cost 10k.

 Its costing 13k  :facepalm:  :crampe:

 New furnace AND new central air unit.

 This man still is on oxygen and paying for home repairs

Im looking into getting a condo/apartment but the monthly HOA fees and taxes make me cringe Dove Dove

Some land only deals cost 1/2 of what a city condo does without hoa fees

Im afraid Id go broke owning a condo

One of my uncles supposedly 'owns' his own condo outright but now cant afford the monthly fees or taxes do he ends up taking out reverse mortgages.

Now in his 80s he still has to work temp jobs & casual labor to make ends meet because his pension cant support him. So I dont want to buy a condo only to end up in the same situation as him.

So im seriously thinking about getting a piece of land and placing an inexpensive structure on it like you did with your trailer.

Anyways your adventures in trailer living were quite informative

Would you consider doing that again Doce?

Or would you prefer city life apartment style living Dove?

Quote from: Dove on November 14, 2024, 08:47:51 PMThe furnace guy came today and it's not gonna cost 10k.

 Its costing 13k  :facepalm:  :crampe:

 New furnace AND new central air unit.

 This man still is on oxygen and paying for home repairs

Remove the labour component and you can halve your costs easily. Isolate the unit (electricity), unwire, remove, reinstall new unit. Switch on. Simples!

Quote from: Lab Flaker on November 15, 2024, 05:26:48 PMRemove the labour component and you can halve your costs easily. Isolate the unit (electricity), unwire, remove, reinstall new unit. Switch on. Simples!

If you do that make sure to check your local building codes to see if it requires the unit to be inspected and approved. If it does, and you don't do it, and the furnace unit starts a fire the insurance company will not pay for the repairs.

Quote from: Oliver the Second on November 15, 2024, 06:00:36 PMIf you do that make sure to check your local building codes to see if it requires the unit to be inspected and approved. If it does, and you don't do it, and the furnace unit starts a fire the insurance company will not pay for the repairs.

I suppose if you live in a cold climate like Dove Dove does, the furnace might be one of the first things to got, needing replacement.

But I suppose if you live in a desert climate it'd be the Air con that'd go first, eh Oliver the Second Ollie?

Quote from: Oliver the Second on November 15, 2024, 06:00:36 PMIf you do that make sure to check your local building codes to see if it requires the unit to be inspected and approved. If it does, and you don't do it, and the furnace unit starts a fire the insurance company will not pay for the repairs.

There's that...but if it's a new unit, one is pretty safe.

 :drunk2:

Quote from: Lab Flaker on November 15, 2024, 05:26:48 PMRemove the labour component and you can halve your costs easily. Isolate the unit (electricity), unwire, remove, reinstall new unit. Switch on. Simples!

 Jesus Lord no! He just paid a hvac company to do it.

 They had the new furnace and central air unit installed today.

Quote from: Dove on November 15, 2024, 08:19:32 PMJesus Lord no! He just paid a hvac company to do it.

 They had the new furnace and central air unit installed today.

13k sounds a bit steep, but you need a furnace.

Shoulda shopped a bit, maybe.

But then, I'm a cheap fucker so I'd be Scotting for the best price.

Quote from: Lab Flaker on November 15, 2024, 06:37:50 PMThere's that...but if it's a new unit, one is pretty safe.

Usually but it's still not worth taking that chance. Even if a manufacturing defect caused damage the insurance company could still get out of it. Trying to save a few thousand dollars could end up costing you a hundred thousand dollars or more.

Sometimes it's best to have a pro do it regardless of cost.

Quote from: JOE on November 15, 2024, 05:16:06 PMIm looking into getting a condo/apartment but the monthly HOA fees and taxes make me cringe Dove Dove

Some land only deals cost 1/2 of what a city condo does without hoa fees

Im afraid Id go broke owning a condo

One of my uncles supposedly 'owns' his own condo outright but now cant afford the monthly fees or taxes do he ends up taking out reverse mortgages.

Now in his 80s he still has to work temp jobs & casual labor to make ends meet because his pension cant support him. So I dont want to buy a condo only to end up in the same situation as him.

So im seriously thinking about getting a piece of land and placing an inexpensive structure on it like you did with your trailer.

Anyways your adventures in trailer living were quite informative

Would you consider doing that again Doce?

Or would you prefer city life apartment style living Dove?

I will always love the country and rural areas.

Everything has changed, now. Where I used to want to just go live in a yurt in the woods, I don't care anymore. I just want to be where he is.

He would hate the kind of lifestyle I was living. It isn't him. He is very practical and sensible and suburban lol. Just the words "composting toilet" make him cringe in horror.

He will sometimes ask me "are you happy with the past 20 months? Are you happy here? Are there any conditions you would change? I know you were homeless for years"  :crampe:

He always gave me shit and picked on me for my feral streak. What he is really asking me is "are you sure you can be happy in this house in the suburbs, or will you suddenly leave again?"

He has known me for 30 years so he has known me as I packed my car and drove to the other side of the country. Lived in 7 different states. Lived in the hood. Lived in the country. Lived in that trailer.

He has listened to me talk about converted RVs or school busses and how much I hate the city and suburbs.

And no I never wanted to live in a house in the suburbs...let alone the city I grew up in.

But I would happily live anywhere where he is.

Dude....Joe....I caught this man looking up permits for chickens and a chicken coop. For me. He said so I can feel like the yokel I want to be.

He tried to buy a fucking BEE HIVE for me lol.

He always made fun of how I prefer eco friendly "clean" products and food. Called me a dirty hippie. He intentionally choses eco friendly clean versions of everything now because he knows I prefer it. 

We were talking about him selling this house and we move to either FL or some quaint small Midwestern town. He immediately was looking up houses with wrap around porches. Because when I was 18 and we were dating I told him I really wanted a wrap around porch. He never forgot that. I forgot that! He didn't.

I would take him over absolutely anything.

So that's my answer. I prefer where ever he wants to be. So far it's suburbs lol.

If he went insane and wanted to move into a city city....uhg I'd go. I'd be talking so much shit but I'd go and still be happy because...him.

I could never subject him to life in a yurt lol

Quote from: Reggie Essent on November 15, 2024, 08:22:32 PM13k sounds a bit steep, but you need a furnace.

Shoulda shopped a bit, maybe.

But then, I'm a cheap fucker so I'd be Scotting for the best price.

 Well it wasn't just the furnace. It was also a new central air unit.

 We had to replace that as well anyway.

 For both 13k is great.  We did shop a bit....this was the best company with a good price. And he is getting all kinds of rebates.

 We got them the week before prices go up for the winter months too.

 That furnace was old as fuck and the man said we probably could have made it to January....but we don't want that to go in the middle of winter. So he just went ahead and replaced both.

 The new roof that was put on last summer was 22k and he found out a few nails were left uncovered and that really peeved him off to no end. They are galvanized nails but still lol.

Quote from: Oliver the Second on November 15, 2024, 06:00:36 PMIf you do that make sure to check your local building codes to see if it requires the unit to be inspected and approved. If it does, and you don't do it, and the furnace unit starts a fire the insurance company will not pay for the repairs.

 It has to he installed by a contractor or his insurance won't cover the house.

 So it had to be done by professionals.

 Plus we have my kids living and sleeping in here so he is very serious about the house being safe and everything running properly.

Quote from: Dove on November 15, 2024, 08:43:39 PMWell it wasn't just the furnace. It was also a new central air unit.

 We had to replace that as well anyway.

 For both 13k is great.  We did shop a bit....this was the best company with a good price. And he is getting all kinds of rebates.

 We got them the week before prices go up for the winter months too.

 That furnace was old as fuck and the man said we probably could have made it to January....but we don't want that to go in the middle of winter. So he just went ahead and replaced both.

 The new roof that was put on last summer was 22k and he found out a few nails were left uncovered and that really peeved him off to no end. They are galvanized nails but still lol.

The joys of homeownership.   :dontknow:

I was just having this conversation with my son.  He just bought his first home.

Quote from: Reggie Essent on November 15, 2024, 08:58:21 PMThe joys of homeownership.   :dontknow:

I was just having this conversation with my son.  He just bought his first home.

 Is he regretting it? Lol.

Quote from: Dove on November 15, 2024, 08:19:32 PMJesus Lord no! He just paid a hvac company to do it.

 They had the new furnace and central air unit installed today.

Oh! Noice! I agree with Reggie...ya should've shopped around. These AC/Solar blokes can take you for a ride.

We can get a whole roof replaced for around 20K ourselves. Those units aren't very expensive.

Quote from: Dove on November 15, 2024, 09:04:37 PMIs he regretting it? Lol.

Nah!  It's still all an adventure for him.  He just married his sweetheart and hopefully there'll be a sprout or two coming along.

He paid too fucking much for the property, I think, but property values these days freak the fuck out of me.  I don't know how younger folks can do it with the price of shit today.

Check me out!  Next I'll be screaming at kids to get off my lawn.  :crampe:

Quote from: Lab Flaker on November 15, 2024, 09:15:47 PMOh! Noice! I agree with Reggie...ya should've shopped around. These AC/Solar blokes can take you for a ride.

We can get a whole roof replaced for around 20K ourselves. Those units aren't very expensive.

 We DID shop around lol.

 Shits expensive now.

Quote from: Dove on November 16, 2024, 01:33:20 AMWe DID shop around lol.

 Shits expensive now.

Uncle Donald will sort things out! MAGA. NATO is fleecing America! ;)