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October 5, 2022 at 7:20 AM in reply to: You folks that took out 30 year loans / refinances at 3% or lower…you’re banking now. #826768
scaredyclassic
ParticipantSt George in the news. Big trial. Wish I could check it out.
Fuck factory farming.
Today is the first day of the trial against Wayne Hsiung and Paul Picklesimer for rescuing two dying piglets from a Smithfield facility. Everyone on this sub should be following the trial. More details in comments. from vegan
I’m thinking about joining some extreme activist group. I bet it’s exciting. One of them ran on a football field to raise awareness
Animal activist group Direct Action Everywhere disrupt Rams Bills Thursday Night Football with pink smoke flares & to draw attention to upcoming Smithfield Trial for the Right to Rescue from vegan
October 4, 2022 at 8:59 PM in reply to: You folks that took out 30 year loans / refinances at 3% or lower…you’re banking now. #826762ParticipantNot worth it
October 4, 2022 at 8:56 PM in reply to: You folks that took out 30 year loans / refinances at 3% or lower…you’re banking now. #826761Participant[quote=sdrealtor][quote=svelte][quote=Coronita]
But it’s not your cash to begin with.. it’s borrowed. And if it was taken on a primary.. your equity was just sitting there doing nothing anyway. Your primary isn’t earning money..[/quote]
Neither is the money your borrowed.
Let’s say you borrowed 500,000 at 3%. That’s costing you $15K per year.
Let’s say you put that 500,000 in a CD earning 4.25%. That’s 21,250
21250- 15K = 6250.
Say you pay 30% taxes, state and fed. 21250 x .30 = 6375. You’re underwater.
Let’s be very generous and say you pay 25% taxes, state and fed.
21250 x .25 = 5312. you made $900.[/quote]
You can deduct interest on a first mortgage on your primary[/quote]
Std deduction too big, interest too tiny
October 4, 2022 at 1:40 PM in reply to: You folks that took out 30 year loans / refinances at 3% or lower…you’re banking now. #826755ParticipantLike Russia the fed may declare victory and back away. But maybe not.
Who the heck knows
October 4, 2022 at 10:37 AM in reply to: You folks that took out 30 year loans / refinances at 3% or lower…you’re banking now. #826752Participanti KNOW NOTHING.
October 4, 2022 at 9:53 AM in reply to: You folks that took out 30 year loans / refinances at 3% or lower…you’re banking now. #826750Participantwell…really, you’re just breaking even after tax. not quite a winner yet
Participantbeautiful blue dot. the video is awesome. I’m of the opinion lately that we are incapable of changing and deserve to just die out.in fact im certain of it.
Participanteverything is impermanent.
ParticipantLawyering, sometimes my stress level is through the roof. Not always, but frequently. Probably unhealthy. But I wonder if I’d be like this doing anything? Or if I gravitated toward a stressed position because it felt like home? Would I be different as a coder? Would I still be this me if I’d gone another way 30 years ago?
If only Nathan fielder would help me unravel alternate possible realities with a rehearsal. THE REHEARSAL was awesome. 10/10.
August 29, 2022 at 10:23 PM in reply to: Megadrought Threatens California Power Blackouts This Summer #826648Participanthttps://vegnews.com/2022/8/clint-eastwood-plant-based-diet-planet
Clint’s even anti meat
August 29, 2022 at 8:53 AM in reply to: Megadrought Threatens California Power Blackouts This Summer #826643Participantno point
August 28, 2022 at 6:52 AM in reply to: Megadrought Threatens California Power Blackouts This Summer #826641Participant[quote=flyer]You definitely make some very good points, and as a person with degrees from MIT, I definitely could have made other career choices, but flying and real estate investment were in my blood, so, I went with those. Retired early from American Airlines during the pandemic, but will continue in real estate investment until we pass everything along to our kids
Knowing what I know now, my choices would have likely been different wrt aviation. Other than continuing to fly, in both our professional and personal lives, we’ve gone about as green as you can go, but that’s still just a drop in the bucket. Every person and every industry will need to be on board in order to save our planet, and profound changes will be required from each. Only time will tell if our efforts were successful.[/quote]
Unless each person gives up meat, cars, buying shit and having kids, we are screwed, which means we are screwed. I hate cars and I still need to use one next week.
Fuck it, let’s just get on with it and all go to heaven, where the supplies are plentiful. The suckers after us can deal with it.
ParticipantHow does this stimulate anything?
It’s not cash in hand just a slight decrease on a balance that might never be paid anyway.
I guess if I were a debtor it’s better than nothing
Participant[quote=gzz]What a disappointing student loan forgiveness. I won’t be getting any BidenBux, and also no SALT restoration either.[/quote]
10k, what a joke.
A years interest.
Still, as a conservative old guy who paid cash for 3 kids, I’m relieved I don’t have to feel like a moron for being prudent.
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