IGotWorms

It’s still the same point fellas, you’re paying for housing either way. So the rent payment instead goes into a mortgage and then you’re acquiring an asset — the third best he ever did, per the Oracle of Omaha. I did look into his statements a bit. Essentially the idea is a down payment is big and if you instead took that big chunk of change and invested it in the market you’d have a much greater rate of return after 30 years. That is true, though you’d be paying rent and having to live in a rental house/apartment for 30 years. Also you’re paying capital gained taxes because there’s no way to stuff that kind of money into a tax advantaged account at once. But here’s the thing, people don’t really do 20% down payments anymore. I’m not sure what it is today because I’m not in the market but for a long time there 5% or less would suffice. Which totally wipes out the alternative reality point. I guess the most that could be said is if you are sitting on an enormous chunk of change and you still have an extended timeline (I.e. you’re not downsizing in retirement), then it may be smartest to put as little down as possible on buying a house and put the rest in the market. You’ll have to pay PMI for a bit but it’d probably still pencil out assuming historic market rates of return generally continued. But you still buy a house.

Be interesting to see what they come up with. Deleting files obviously shady and I would guess possibly illegal?

lol, no. A nice little story this year, sure, but not your cornerstone going forward This is closer to the truth

Well that was a flop

Peefoam’s in crisis

It was basically an act of desperation while still completely in the game. Tells you what McDermott’s mindset was

What is your focking malfunction?

It ends here for you cmh, I hate to have to be the one to tell you

Belichick ain’t gonna be the answer but I’m really wondering about McDermott. They were not playing for him tonight

Well there you go. Buffalo, I hate to say, really laid down

I mean Josh focking Allen can’t get enough on the ball? Super weird second half

Bills seem to want to go home. I get that it’s cold but you’re in Buffalo at your home field

I’m a little behind now but that punt fake was a half assed attempt at a terrible idea. WTF?

It’s already played out imo. She’s only got him there because she’s in a little bit of trouble for being so offended about rumors that she is a lesbian. Gotta protect the brand

In like ten seconds? Ok bud

Teh gheys

OMG was that Jerrod Carmichael with T Swift in the box????!

Sounds like a keeper

I don’t think he had possession with both feet down. IMO possession comes as he’s falling to the ground which in that scenario was out of bounds. I’m not even a Niners fan, was actually probably even rooting for GB as the underdog, but they got a HUGE break there imo

McCaffrey can become a stud receiver though

Classic case of a bobble in my eyes. Anyway I just thought it was very odd how they didn’t even stop play to look.

Toldja. But hey, he’s got moxie. I do respect that

That Melton TD was not a catch. Refs had no interest in reviewing it, they did want a tight game

No when Evans tried to get his hands on it. At that point, can’t be PI