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- Past hour
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The end of another hostage day.
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Syrian president shaara conditions security deal on Israel withdraws from golan heights, claims trump supports him. One dictator , one team
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Tim’s thread about anything but politics
The Real timschochet replied to The Real timschochet's topic in The Geek Club
We will see. -
Judge partly grants Anglican chaplains groups restraining order request against ACNA.
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NT Wright contrasts Christ with Caesar in exploring Philippians series.
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Chicago Street gang order targets immigration agents already facing gunfire. trump is going to get more innocent people killed.
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I’m going to buy him some burgers.
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Great post. To the part where you asked your friend about repairs and everything, I’d probably also ask a similar renter how much outdoor living space they had, if their landlord let them do everything they wanted, what type of property they were renting (I.e any shared walls and noise at all?) And the property tax, again, is being passed on to the renter in most cases, renters insurance, etc. I would feel that his initial investment doubled. The rest is just cost of living.
- Today
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Tim’s thread about anything but politics
Strike replied to The Real timschochet's topic in The Geek Club
Bullsh*t. The Nuggets took OKC to 7 in the playoffs last year, and the Nuggets are a significantly improved team this year. In any case, your assertion that the Lakers have a shot at the championship is a fairy tale. Absent injuries or some other oddity, only four teams have a chance in the West, and the Lakers ain't one of them. And most likely it'll be either OKC or Denver coming out of the West. -
Yeah talking about your personal investments is irrelevant to the basic discussion of renting vs owning property. The topic has been done to death on this forum and my conclusion is that there are benefits to both (more benefits overall to owning property even if you don’t live in it) and of course a lot depends on your situation and stage in life. if you’re having kids or have young kids I don’t think there’s much argument for renting, assuming you want to give them a stable upbringing in the same school systems etc. if you feel like you are going to stay somewhere for 15 years then yes, I tend to feel paying someone else’s mortgage and taxes is pisssing away money.
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Tim’s thread about anything but politics
The Real timschochet replied to The Real timschochet's topic in The Geek Club
Yeah they ran into a buzz saw tonight and it wasn’t pretty. OKC is very clearly the best team in the league, and the Lakers aren’t going to compete with them until all their stars are healthy and had time to mesh. And even then it’s going to be a struggle. -
The Solution To The Housing Crisis Is.........
The Real timschochet replied to easilyscan's topic in The Geek Club
Probably more important than the 50 year mortgage thing, because it’s already been decided on, Fannie Mae has lowered its credit score requirement from 620 which was imposed as a minimum after 2008: https://www.housingwire.com/articles/fannie-mae-credit-score-update/ Conservatives like @easilyscan blame government involvement for our past problems. But surely this was a good restriction. Now once again there are sure to be tons of subprime loans. And we can look forward to another crash, and probably another bailout. -
Tim’s thread about anything but politics
Strike replied to The Real timschochet's topic in The Geek Club
If, by play well, you mean the game being over at halftime you've got a point! -
I had a friendly debate with a coworker on a subject somewhat related to this. Keep in mind that this was around 2005, so the $ figures I'll be mentioning will seem incredibly low relative to today. Coworker stated that a friend of his bought a house for 100 K, paid it off in 20 years & sold it for 200 K. Said the guy doubled his money. I asked if his friend ever had to replace things like windows, roof, siding, furnace/AC, water heater, etc. He told me he had to replace all those things during those 20 years. I added that you have to count property taxes, insurance, any street assessments that might've occurred during those 20 years, etc. And of course, even though he paid it off in 20 years, he still paid a substantial amount of interest. In the end, we agreed that he really didn't double his money. I thought about it later & even though I've never been a ‘the glass is half full guy’ I thought about it from a different perspective. Even if he added all his bills for the aforementioned items, & that total came up to exactly 200 K, there's a silver lining. He lived rent free for 20 years. The equivalent of a landlord thinking so much of one of his renters, that after 20 years, he cut him/her a check for all the rent they’d paid. One more thing. You mentioned you can take the money that you saved monthly by renting instead of owning, & investing in the S&P 500. You can still do that if you own a home. I was fortunate enough to be able to pay extra on my mortgage every month, & still put 15% into my 401(k), 40% of which went into a Vanguard S&P 500 index fund. That being said, different strokes for different folks. Like someone already stated, every situation is different & I say to each his own.
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Elon says that Trump is in the Epstein files.
The Real timschochet replied to lickin_starfish's topic in The Geek Club
Here’s a revealing editorial from Mark Hemingway with The Federalist: https://thefederalist.com/2025/11/12/latest-epstein-emails-about-trump-appear-to-be-just-another-misleading-democrat-info-op/ So he spends the whole editorial ripping Democrats on Epstein- they’re misrepresenting the emails, cherry picking, etc., Trump’s innocence is clear, etc. But then towards the end of the piece he writes this: “Anyway, at this point rather than let stories drip out like this, Congress and/or Trump should call Democrats bluff and just release all the Epstein files. ….Maybe I’m wrong but it seems pretty obvious to me Trump has little to fear…” No discussion of the fact that Trump has had this opportunity for months but refuses to do it. And how exactly are the Democrats “bluffing”? No answer. But it’s interesting that he’s for this. It sounds like he wants to cover his tracks just in case. Could this be a trend? -
but man is he FAST.
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honestly, when players miss the start of the season like Godwin did, they come back and they are not in game shape. seems like a small thing but when you are not in game shape, you are not only not as fit as normal but you are also more likely to get hurt. now that he has gotten hurt again, I'd probably be inclined to bail. I'd still draft him next year. but I think this year is a writeoff. he might be able to put something together in the fantasy playoffs for you, but if you have a need now and are at risk of not getting that far, I'd bail. obviously this is assuming you find someone decent to pickup. if your league allows him to be placed on IR, that can solve your problem without dropping him. I know my yahoo league has gotten real lax about the IR designation. if player is listed as out, then you can put him on the IR. I dont agree with it, but I did take advantage of the rule once earlier in the year.
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Elon says that Trump is in the Epstein files.
The Real timschochet replied to lickin_starfish's topic in The Geek Club
This actually seems to be the sentiment of a lot of MAGA folks tonight. Yet the reporting is consistent that about 100 House Republicans are going to defy Trump and vote for the discharge petition. If that’s true it means that there are MAGA folks out there who still want this stuff to be released no matter how much it might hurt Trump. I guess they’re out there but I’m not seeing it. -
The Solution To The Housing Crisis Is.........
easilyscan replied to easilyscan's topic in The Geek Club
https://babylonbee.com/news/banks-now-requiring-your-grandkids-to-co-sign-your-50-year-mortgage -
Pretty much like any other CEO of a major company ? I have no feelings for him either way, but at least he's delivered huge returns for shareholders. On the other hand, I've been a somewhat active investor since 1998, & I'm amazed by how many people at the top have gotten filthy rich while providing poor shareholder returns. ConAgra foods is one example. Some guy named Stevenson who drove AT&T into the ground during his tenure, was rewarded with a golden parachute of biblical proportions. That ain't right. If he had an ounce of honor or integrity, he wouldn't have taken it, or at least would've taken a lesser amount. As for Musk's $1 trillion contract, I must still have a few drops of liberal blood coursing through my veins, because the first thing I think of is, how focking much is enough ? It's estimated that is already worth 500 billion. You mentioned his compensation is going to be entirely based on stock options. Fair enough, but keep in mind those can be abused by the people at the top as well. I'm sure I remember a story about Lawrence Ellison of Oracle. It was a long time ago & they were paying new employees very little. Instead of a decent wage/salary, they issued them stock options as an incentive to do well. Shares were trading around $12 @ the time & that was the strike price for the 2 year options. Didn't work out for them because a year or two later shares were only around $2 dollars. So the employees were shite out of luck. The CEO on the other hand ? They re-priced his options at $1.00 My only other thought for the day is this. My Fidelity brokerage account hit a major milestone today. That account hit 200 K in Y2K & I thought I owned the world. 25 years later, it 'might' be enough to buy a starter home in a decent area.
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Now... I do reserve the right if it all blows up... I have enough liquidity to drop on a few houses. But for personal homes... Meh. Unless of course Mrs...beer beeches too hard. Then I assume I'll have to find a property she can raise her chickens and bees in her retirement.
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You TNG CMH####s What was 9 months before 11/11 ? Hhhmmm Valentine’s Day.
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Yeah I'm talking about moving... For real. Not like.. for a month at a time. My main point to the whole thing is that buying a house isn't the end all be all. If you already have the nest egg... Why? We sold our house June 2024. After maxing out our Roth's for the wife and I last year... And this year .. plus giving each of our girls $5k I to a UTMA, I dropped $205 into SCHG. It's currently sitting at $267 in what...17 months? Not yo include what we made on the Roth's and the girls UTMA's. There's no way I'm dropping that back into a house. Having that capital to invest now should crush any return on a house.
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You literally said being mobile was more important to you than owning a property. So what I’m talking about is this crazy notion that owning leaves you immobile. I’ve seen people on this board suggest that traveling around is easier when you rent. It’s literally no different. And, like I said, if you’re talking about moving to live in a new place full time, yes it’s easier as a renter to wait for your lease to be up or break it and go… but as you also just said, renting out your owned property and becoming a landlord can be a tremendous option for people who want to start moving around every few years as renters.
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Nobody said you can't travel. Wtf you talking about wonder? Hahah.. I mean locked into a spot for the length of your mortgage. Obviously you can rent it out etc... that's not the point.
