Liberal Forum

LowIQTrash » 15 Jan 2024, 11:26 pm » wrote: ↑

15 Jan 2024, 11:26 pm

I do not dispute any of those benefits. Alas the issue I have is treating your house as an asset as opposed to an expense. If you want to treat it as an asset then you need to compare it to other assets…like gold, SP 500 ETFs, Bitcoin, and your own small business.

In THEORY - like, economic theory, - I certainly agree that a house is an expense, not an asset.

In PRACTICAL EXPERIENCE, both my own experience and my observations of many others throughout my life, I have uniformly experienced home ownership as an asset, not an expense.

LowIQTrash » 15 Jan 2024, 11:26 pm » wrote: ↑

15 Jan 2024, 11:26 pm

You say a house goes up in value. So did Bitcoin…and we know the record. I would have, had I known, gone homeless in 2015 (buy a tent and live in some inconspicuous area) and stuffed $400K in Bitcoin vs buying a $400K house in 2015.

Well, certainly, hindsight is 2020 and there are far, far better investments than a home. But outside of being a sooth-sayer and a long term camper, the average negro could make worse financial decisions than home ownership.

At the end of the day, you can go to any over-negroed city in america and see empty homes that were once the dreams of their owners and became losses when their owners fled the jungle. Detroit, Memphrica, Baltimore - plenty of places with horror stories. So there is no golden truth around home-ownership. But in general, it tends to be a real boon to the finances of people who do not have the means to play the market. Worst case scenario, you DON'T make a huge profit on monies that would have otherwise gone to rent.
 

Cannonpointer » 16 Jan 2024, 12:24 am » wrote: ↑

16 Jan 2024, 12:24 am

In THEORY - like, economic theory, - I certainly agree that a house is an expense, not an asset.

In PRACTICAL EXPERIENCE, both my own experience and my observations of many others throughout my life, I have uniformly experienced home ownership as an asset, not an expense.

Well, certainly, hindsight is 2020 and there are far, far better investments than a home. But outside of being a sooth-sayer and a long term camper, the average negro could make worse financial decisions than home ownership.

At the end of the day, you can go to any over-negroed city in america and see empty homes that were once the dreams of their owners and became losses when their owners fled the jungle. Detroit, Memphrica, Baltimore - plenty of places with horror stories. So there is no golden truth around home-ownership. But in general, it tends to be a real boon to the finances of people who do not have the means to play the market. Worst case scenario, you DON'T make a huge profit on monies that would have otherwise gone to rent.

I know where you’re coming from. It’s a (relatively) low risk investment with (usually) modest returns. And you don’t have to live with Yucky apartment dwellers (the horrors!)

The main issue, at least for me, is that I won’t tolerate so many years of soul-sucking corporate salaried slavery. The comfort of a house isn’t going to cut it for me. So if homelessness is the wages of me attempting creative ways “out” (entrepreneurship) then so be it.   

 
 

Cannonpointer » 15 Jan 2024, 8:46 pm » wrote: ↑

15 Jan 2024, 8:46 pm

You stupid **** girl. It's a puppet show.


 

Then you should enjoy it!
You're easily the biggest puppet here and you can finally be a star!   
 

LowIQTrash » 16 Jan 2024, 12:53 am » wrote: ↑

16 Jan 2024, 12:53 am

I know where you’re coming from. It’s a (relatively) low risk investment with (usually) modest returns. And you don’t have to live with Yucky apartment dwellers (the horrors!)

The main issue, at least for me, is that I won’t tolerate so many years of soul-sucking corporate salaried slavery. The comfort of a house isn’t going to cut it for me. So if homelessness is the wages of me attempting creative ways “out” (entrepreneurship) then so be it. 

Hope that works out for you, some people insist on doing it the hard way. You could do both maybe?
Came across this article this morning with some stats:

"The net worth of homeowners vs. renters will shock youAccording to the Federal Reserve, homeowners had a median net worth of $396,200 in 2022 and a mean net worth of $1,530,900 (which obviously has been driven up by some very wealthy people). Renters, on the other hand, have a median net worth of just $10,400 and a mean net worth of $154,900. This is a very small fraction of the wealth that homeowners have."
 

ConsRule » 11 Jan 2024, 5:54 pm » wrote: ↑

11 Jan 2024, 5:54 pm

Monthly premiums for both me and the spousal unit went down at renewal.

Obamacare?
 

Zeets2 » 16 Jan 2024, 9:05 am » wrote: ↑

16 Jan 2024, 9:05 am

Then you should enjoy it!
You're easily the biggest puppet here and you can finally be a star! 

You are the one mesmerized, sweetie. 

POM » 16 Jan 2024, 9:17 am » wrote: ↑

16 Jan 2024, 9:17 am

Obamacare?

Nope.  Through our employers, but both employers saw a reduction in premiums...so the employee portion went down.  My employer saw a 6% reduction...which is fantastic because when we put the budget together we estimated an increase in premiums.  We get a favorable budget variance all year!  

Cannonpointer » 16 Jan 2024, 9:24 am » wrote: ↑

16 Jan 2024, 9:24 am

You are the one mesmerized, sweetie.

Am I?
Which of us was dumb enough to believe Obama's lies about Obamacare?
YOU'RE the only mesmerized dunsel here!
And now that you GOT the healthcare plan you wanted approved by the Democrats, we're sick and tired of your whining about it, little girl!
 

Zeets2 » 16 Jan 2024, 9:38 am » wrote: ↑

16 Jan 2024, 9:38 am

Am I?
Which of us was dumb enough to believe Obama's lies about Obamacare?
YOU'RE the only mesmerized dunsel here!
And now that you GOT the healthcare plan you wanted approved by the Democrats, we're sick and tired of your whining about it, little girl!

Your information is a bit out of your date, child.

Or was it your OWN *** you pulled it from?

You're sitting here TODAY slobbering in concert with a puppet show, and ***-pulling **** about what I thought more than 16 YEARS ago. 

You're really stupid.

Even if I HAD believed ACA to be a "good thing" 16 YEARS AGO (i didn't, flap-and-jack), it would be **** irrelevant to the fact that you are STILL buying the puppet show, you stooge. 

ConsRule » 16 Jan 2024, 9:36 am » wrote: ↑

16 Jan 2024, 9:36 am

Nope.  Through our employers, but both employers saw a reduction in premiums...so the employee portion went down.  My employer saw a 6% reduction...which is fantastic because when we put the budget together we estimated an increase in premiums.  We get a favorable budget variance all year!

You pay for health insurance? I get No cost health insurance. Rolls Royce Plan
1000 deductible for us. After that 100% FULL coverage.
20 copay, 30 for a specialist.
If it is done in office, 100% covered for the copay.
 

Fuelman » 16 Jan 2024, 9:11 am » wrote: ↑

16 Jan 2024, 9:11 am

Hope that works out for you, some people insist on doing it the hard way. You could do both maybe?
Came across this article this morning with some stats:

"The net worth of homeowners vs. renters will shock youAccording to the Federal Reserve, homeowners had a median net worth of $396,200 in 2022 and a mean net worth of $1,530,900 (which obviously has been driven up by some very wealthy people). Renters, on the other hand, have a median net worth of just $10,400 and a mean net worth of $154,900. This is a very small fraction of the wealth that homeowners have."

Homeowning isn't for everyone's lifestyle. Once can be hugely wealthy without owning a home. Are you conflating the two?

Cannonpointer » 16 Jan 2024, 9:48 am » wrote: ↑

16 Jan 2024, 9:48 am

Your information is a bit out of your date, child.

Or was it your OWN *** you pulled it from?

You're sitting here TODAY slobbering in concert with a puppet show, and ***-pulling **** about what I thought more than 16 YEARS ago. 

You're really stupid.

Even if I HAD believed ACA to be a "good thing" 16 YEARS AGO (i didn't, flap-and-jack), it would be **** irrelevant to the fact that you are STILL buying the puppet show, you stooge.

Oh, so you're going to now claim that you DIDN'T vote for Obama?
 

Zeets2 » 16 Jan 2024, 10:30 am » wrote: ↑

16 Jan 2024, 10:30 am

Oh, so you're going to now claim that you DIDN'T vote for Obama?

Do you need some Doan's pills from dragging those goal posts, girl?

You just adjusted me being a big fan of ACA all the way down to me voting for the guy who DIDN'T hug george bush after bush anally raped his *** is south carolina (look it up). You just went from me being a big old ACA supporter to me voting for the guy who DIDN'T have Bridge-to-Nowhere Barbie as his running mate. You remember her, yeah? The one who read ALL the newspapers?

You GOTTA have a sore back from that much moving to go with that sore *** from that much pulling, kid. 
 
 

Cannonpointer » 16 Jan 2024, 10:47 am » wrote: ↑

16 Jan 2024, 10:47 am

Do you need some Doan's pills from dragging those goal posts, girl?

You just adjusted me being a big fan of ACA all the way down to me voting for the guy who DIDN'T hug george bush after bush anally raped his *** is south carolina (look it up). You just went from me being a big old ACA supporter to me voting for the guy who DIDN'T have Bridge-to-Nowhere Barbie as his running mate. You remember her, yeah? The one who read ALL the newspapers?

You GOTTA have a sore back from that much moving to go with that sore *** from that much pulling, kid.

And yet you're unable to deny it, aren't you?
Even though I don't have the same desires as you to watch any guy getting anally raped as you do, I'm not afraid to admit who I voted for.
So why are you, ******?
Do you at least admit you're a huge supporter of universal healthcare?
 

Zeets2 » 16 Jan 2024, 10:56 am » wrote: ↑

16 Jan 2024, 10:56 am

And yet you're unable to deny it, aren't you?

Deny WHAT, you simple minded ***? That I voted for Obama?

Why the **** would I deny that to YOU, boy? Who did YOU vote for - songbird mccain and Bridge-to-Nowhere Barbie?

Don't answer - I don't give a ****, you nose to the glass asswipe.
 

Vegas » 16 Jan 2024, 10:14 am » wrote: ↑

16 Jan 2024, 10:14 am

Homeowning isn't for everyone's lifestyle. Once can be hugely wealthy without owning a home. Are you conflating the two?

I'm sure there are plenty of renters that are doing quite well, they also skew up the median and mean numbers for renters. The numbers just show your net worth is likely to be much less than a homeowner.

Vegas » 16 Jan 2024, 10:14 am » wrote: ↑

16 Jan 2024, 10:14 am

Homeowning isn't for everyone's lifestyle. Once can be hugely wealthy without owning a home. Are you conflating the two?

https://www.financialsamurai.com/recomm ... k%20market.

I get your focus is somewhere else, at least be aware of these tried and true methods on net worth allocations. 
 

Cannonpointer » 16 Jan 2024, 11:08 am » wrote: ↑

16 Jan 2024, 11:08 am

Deny WHAT, you simple minded ***? That I voted for Obama?

Why the **** would I deny that to YOU, boy? Who did YOU vote for - songbird mccain and Bridge-to-Nowhere Barbie?

Don't answer - I don't give a ****, you nose to the glass asswipe.

Of course you won't!
Very few idiots will admit voting for Obama and even fewer admit they've voted for Biden.

Based on your fear of those facts coming out, I've got my answer and it's all I need from a hypocritical turd like you.
So adios, dicksucker!
 

POM » 16 Jan 2024, 10:12 am » wrote: ↑

16 Jan 2024, 10:12 am

You pay for health insurance? I get No cost health insurance. Rolls Royce Plan
1000 deductible for us. After that 100% FULL coverage.
20 copay, 30 for a specialist.
If it is done in office, 100% covered for the copay.
 

There is no such thing.  Somewhere, someone is covering the cost.


 

Bidencrimefamily » 11 Jan 2024, 10:20 am » wrote: ↑

11 Jan 2024, 10:20 am

https://www.beckerspayer.com/payer/the- ... ofits.html

Not always.  I had to use insurance once.  Made a claim before I got my first premium payment to the company.  They covered nearly $130K of damage. Hey, if insurance companies didn't rig the system, they'd go bust. I hate insurance with a passion.