Liberal Forum

ConsRule » 16 Jan 2024, 12:28 pm » wrote: ↑

16 Jan 2024, 12:28 pm

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

IF YOU SAY SO       
 

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."

I’m not opposed to the idea of home ownership.

The part I scowl at is when people say they bought a house and the house appreciated so much etc. when in fact the house was for upgrading your lifestyle (consumption). If you just analyze it from a pure financial POV it’s not impressive. 

Regarding your quoted stat it’s because wealthier people naturally want to own at least one house. Owning a house isn’t why they are wealthier. They own a business, have higher paying jobs, etc. compared to renters. 

POM » 16 Jan 2024, 3:10 pm » wrote: ↑

16 Jan 2024, 3:10 pm

IF YOU SAY SO     

I do say so, because it is a fact.  You may not be smart enough to understand, but that doesn't change anything.
 

ConsRule » 16 Jan 2024, 3:37 pm » wrote: ↑

16 Jan 2024, 3:37 pm

I do say so, because it is a fact.  You may not be smart enough to understand, but that doesn't change anything.

IF YOU SAY SO          
 
 

Skans » 12 Jan 2024, 10:47 am » wrote: ↑

12 Jan 2024, 10:47 am

If I could find an insurance company that would ONLY cover the value of my house and contents in case of fire, I'd opt for that.  As it is, I'm thinking of getting rid of home owner's insurance.

What coverage don't you want? if you OWN your house outright, you can insure it however you want.

Skans » 12 Jan 2024, 10:47 am » wrote: ↑

12 Jan 2024, 10:47 am

If I could find an insurance company that would ONLY cover the value of my house and contents in case of fire, I'd opt for that.  As it is, I'm thinking of getting rid of home owner's insurance.

If you own your house then drop the liability, switch from RC to ACV. It will drop your personal property value down, but all your possessions will be covered. Having a narrative video to document your possessions and schedule any expensive items over $2500 with written estimates from an appraiser will help you to recover as much in value as you can. Don't add medical or drop the min coverage to $1000. That is a couple $$$ a year in premium. 

EDC4ALL! » 16 Jan 2024, 4:34 pm » wrote: ↑

16 Jan 2024, 4:34 pm

What coverage don't you want? if you OWN your house outright, you can insure it however you want.
 

Just for fire. Don't need flood, windstorm, theft, etc. Can I just get fire coverage?
 

LowIQTrash » 16 Jan 2024, 3:19 pm » wrote: ↑

16 Jan 2024, 3:19 pm

I’m not opposed to the idea of home ownership.

The part I scowl at is when people say they bought a house and the house appreciated so much etc. when in fact the house was for upgrading your lifestyle (consumption). If you just analyze it from a pure financial POV it’s not impressive. 

Regarding your quoted stat it’s because wealthier people naturally want to own at least one house. Owning a house isn’t why they are wealthier. They own a business, have higher paying jobs, etc. compared to renters.

Why would you scowl at someone getting a little equity boost on their home? If you have had the pleasure of paying federal taxes in the 22-24% brackets you know that home saves you 10's of thousands of dollars over time. And with a little luck have the value of the home double or more as many homes have over the last decade. Our last home sell in 2021 netted us over $600k and only owned the house for 7 years. Zero taxes paid on $500k profit.

From a purely financial POV, we kicked ***. Disclaimer: the 3 previous houses didn't turn out quite as well, still made money but nothing compared to this one. Timing does make a difference (and being a lucky **** helps)!

The American Dream is dead according to the current headlines, that's kind of sad!
 

Zeets2 » 16 Jan 2024, 12:08 pm » wrote: ↑

16 Jan 2024, 12:08 pm

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!

You're come drunk, ***. I would NEVER be cagey for a homo like you. I voted for Obama twice - or should I say, against the *** your *** party fielded. 

You gave us Bush Redux in the songbird and Bridge to Nowhere Barbie. Then you gave us a wall street raider, in middle of a recession caused by - get ready for it, weakling - WALL STREET RAIDERS. 

If you want votes, ***, FIELD CANDIDATES. 
 
 

Cannonpointer » 16 Jan 2024, 6:47 pm » wrote: ↑

16 Jan 2024, 6:47 pm

You're come drunk, ***. I would NEVER be cagey for a homo like you. I voted for Obama twice - or should I say, against the *** your *** party fielded. 

You gave us Bush Redux in the songbird and Bridge to Nowhere Barbie. Then you gave us a wall street raider, in middle of a recession caused by - get ready for it, weakling - WALL STREET RAIDERS. 

If you want votes, ***, FIELD CANDIDATES.

So you admit that you were an incredibly gullible dunce to swallow Obama's lies on his healthcare plan, (you can keep your doctor and healthcare plan if you like it and save $2500 a year) while looking the other way as Obama sold guns to drug dealers in Mexico? You believed his idiotic claims about the hoax of climate change that he threw tens of billions at his donors for, many who quickly went bankrupt, how he **** up our economy enough to give us the worst recession since the great depression and the slowest recovery from recession in history, his shipping tens of billions in cash on pallets in the dead of night to Iran while making them a deal to let them build nukes, caused the terrorist ISIS to take over Iraq by pulling out all our troops, handed you a website for Obamacare that cost over $2 billion and didn't work for months, stole over $700 billion from Medicare in order to give away Obamacare to those without healthcare insurance including $17 billion for illegals, gave us a 10% unemployment rate while doing nothing to fix the housing market crash, cut our military to the bone, and kept his thumb square ensconced up his *** while our US embassy in Libya was attacked and our ambassador and 3 marines were murdered, and raised our debt by over $8.5 TRILLION with nothing to show for it.

And the worst part?  Liberal idiots like you STILL weren't completely embarrassed and humiliated over his first term failures and were stupid enough to vote him in a second time!  If you had half a brain, you NEVER would have admitted voting for that clown!

Care to now defend yourself for the even worse stupidity you used in voting for Biden, dickhead?
Or how you could possibly be dumb enough to even consider voting for him again this year?
 

Skans » 16 Jan 2024, 5:50 pm » wrote: ↑

16 Jan 2024, 5:50 pm

Just for fire. Don't need flood, windstorm, theft, etc. Can I just get fire coverage?

If you own your home outright with no liens, then you can try to find an insurer in your state that will sell you a Dwelling/Fire policy.

Yes. In addition to coverage provided under standard homeowners or renters policies, some insurers provide policies that primarily or exclusively cover damage related to fire. Those policies are usually called "dwelling fire" coverage and include protection against fire, smoke, explosions and sometimes wind.Jan 9, 2024

EDC4ALL! » 17 Jan 2024, 4:52 pm » wrote: ↑

17 Jan 2024, 4:52 pm

If you own your home outright with no liens, then you can try to find an insurer in your state that will sell you a Dwelling/Fire policy.
 

I've looked.  As far as I can tell, you can only get an extra fire policy if you are in a high-fire area.  This would be in addition to your Homeowner's policy.  I'm trying to see if I can cut down on insurance, but have insurance for something truly catastrophic, like fire.

 

stock dividends will dry up. starting in the second quarter of 2024. causing dividend stocks to crash. sell your dividend stocks. move funds to money markets.. (in a shot term, companies can produce short term profits. giving insiders an opportunity to sell.)

walkingstick » 17 Jan 2024, 6:38 pm » wrote: ↑

17 Jan 2024, 6:38 pm

stock dividends will dry up. starting in the second quarter of 2024. causing dividend stocks to crash. sell your dividend stocks. move funds to money markets.. (in a shot term, companies can produce short term profits. giving insiders an opportunity to sell.)

often when there is large insider buying. it will be followed by increased stock prices . then quick insider selling, with stock crash. bad idea to follow insider buying and selling. best to follow company earnings. and their record of predicting their future earnings. steady earnings growth, great prediction of their earnings.  up or down. these are the basket of stocks to buy.

Zeets2 » 17 Jan 2024, 11:08 am » wrote: ↑

17 Jan 2024, 11:08 am

So you admit that you were an incredibly gullible dunce to swallow Obama's lies on his healthcare plan

No, queer. I admit no such thing.

I proudly profess that in my life on this planet, I cast ZERO votes for songbird mccain and bridge-to-nowhere barbie. I also never cast a vote for a **** in magic underwear, ya weak chinned nonentity. 

You can suck my dick if you don't like it. 

Cannonpointer » 18 Jan 2024, 11:26 am » wrote: ↑

18 Jan 2024, 11:26 am

No, queer. I admit no such thing.

I proudly profess that in my life on this planet, I cast ZERO votes for songbird mccain and bridge-to-nowhere barbie. I also never cast a vote for a **** in magic underwear, ya weak chinned nonentity. 

You can suck my dick if you don't like it.

Don't like it?
Why would I give a **** how a hypocritical lying dickhead like you votes?
The only purpose your revelation shows is how much you despise virtually every politician who ran for president but when an outsider like Trump emerges and proves he can succeed and does so, you despise him just as much.

And now you're stuck in the unenviable position of defending the abysmal failures of your hero Obama.
THAT is what makes you the incredibly gullible dunce just as I indicated.

Don't think for a minute that I was a McCain supporter either.  It was just a question of him being the lesser of two incompetents.  
You see, I was NOT gullible enough to believe Obama's campaign speeches about how great his socialist ideas were, starting with his lies about how great Obamacare would be.  I have no doubt that as bad as McCain would have been, he would NEVER have been as bad as Obama. 
And attempting to deny what a fool you were for voting for him is quite laughable! 

And there's nothing more pathetic than a blowhard like you trying to defend the indefensible.

 
 

You ready for Universal Healthcare now?

Zeets2 » 18 Jan 2024, 12:29 pm » wrote: ↑

18 Jan 2024, 12:29 pm

Don't like it?
Why would I give a **** how a hypocritical lying dickhead like you votes?

You tell ME, fruitcake. It's YOUR issue. It's the hill YOU seem to want to fight on.

Let it out until the pain goes away, pookie.

Zeets2 » 18 Jan 2024, 12:29 pm » wrote: ↑

18 Jan 2024, 12:29 pm

The only purpose your revelation shows is how much you despise virtually every politician who ran for president but when an outsider like Trump emerges and proves he can succeed and does so, you despise him just as much.

Do I?

I have defended him many times.

Zeets2 » 18 Jan 2024, 12:29 pm » wrote: ↑

18 Jan 2024, 12:29 pm

And now you're stuck in the unenviable position of defending the abysmal failures of your hero Obama.

No I'm not, you jackass.

Zeets2 » 18 Jan 2024, 12:29 pm » wrote: ↑

18 Jan 2024, 12:29 pm

Don't think for a minute that I was a McCain supporter either.  It was just a question of him being the lesser of two incompetents.

Wait, wait, wait. YOU have a right to vote lesser evil, but I DON'T?

How about you let go of my dick for a minute, Suzie?

Zeets2 » 18 Jan 2024, 12:29 pm » wrote: ↑

18 Jan 2024, 12:29 pm

You see, I was NOT gullible enough to believe Obama's campaign speeches about how great his socialist ideas were, starting with his lies about how great Obamacare would be.  I have no doubt that as bad as McCain would have been, he would NEVER have been as bad as Obama.

We never found out, loser.

For my money, Obama was no worse than bush.

Zeets2 » 18 Jan 2024, 12:29 pm » wrote: ↑

18 Jan 2024, 12:29 pm

And attempting to deny what a fool you were for voting for him is quite laughable!

No, you pissing uphill about is laughable, clown.

Zeets2 » 18 Jan 2024, 12:29 pm » wrote: ↑

18 Jan 2024, 12:29 pm

And there's nothing more pathetic than a blowhard like you trying to defend the indefensible.

I've said NOTHING to defend you, suzie - NOTHING.
 

Cannonpointer » 18 Jan 2024, 12:48 pm » wrote: ↑

18 Jan 2024, 12:48 pm

You tell ME, fruitcake. It's YOUR issue. It's the hill YOU seem to want to fight on.

Let it out until the pain goes away, pookie.

Do I?

I have defended him many times.

No I'm not, you jackass.

Wait, wait, wait. YOU have a right to vote lesser evil, but I DON'T?

How about you let go of my dick for a minute, Suzie?

We never found out, loser.

For my money, Obama was no worse than bush.

No, you pissing uphill about is laughable, clown.

I've said NOTHING to defend you, suzie - NOTHING.

Have you even got a clue about what a bore you are?
Go back to kissing Obama's *** and make sure you vote for Biden in November so you can prove to everyone that you're just as gullible believing that Biden is actually in charge, and that you're happy to give Obama a 4th term.
 

Zeets2 » 18 Jan 2024, 1:08 pm » wrote: ↑

18 Jan 2024, 1:08 pm

Have you even got a clue about what a bore you are?
Go back to kissing Obama's *** and make sure you vote for Biden 

I have a clue what a moron you are. 

Go back to kissing mccain's *** and make sure you vote for liz cheney or nikki haley, ***.