KhunLA

You do know who you are talking to. I apparently know capitalism and free market economy more than the 60% of Yanks living month to month, and hoping they have enough to retire at 67 yrs old. So you got nothing but deflection, and repetitive replies.

Really ... ... Show me 1, just 1, that is NO cost, NO risk, GUARANTEED ROI.

It what the accept now that matters. And when they have extra money at the end of the month, what do they do. ... party ... buy more crap, they don't need, whether cash or credit ... take a holiday, as they deserve it. OR ... they could put it toward the principle of the mortgage, for instant ROI, that cost them nothing. Example: same monthly mortgage I posted earlier, 30yr/7.97% ... but they can't afford a 15 yr, as $170 more a month. but find they have $75 a month extra every month ... hmm what to spend it on, or, yea, pay down the mortgage. Results: over $50k saved, and pay off 8 yrs early. To me, that's common sense, but that's me. Small sacrifices = big gains Their are choices. https://www.mortgagecalculator.org/calculators/what-if-i-pay-more-calculator.php#top

Perfect for the tourist without a gimbal or EIS in their cameras ???? OMG ... another hidden gem ...

90% ... why, do they think a 15 yr mortgage will cost twice as much. 30 yrs is offered, not forced on them. People don't think for themselves, they do what they are told. Extreme lack of judgement ... their choice, not based on common sense. Again, it is and always will be about choices. Live with them. They seem to sacrifice their future for wanting now. I sacrificed my now (then), a wee bit, for my future, now. Their choice vs my choice ...

You can raise the taxes all you want, and tax the rich as much as you want. But just like yours/ours, household checkbook, if you don't stop spending more than you take in, you will continue to go backwards. They/govt, unlike us, seem to have an unlimited, revolving credit line, YOU ARE PAYING FOR. The more taxes they get, the more they spend, give away, steal. They don't care, it's your money, not there's. they got theirs. You gave them their high salary & months of recess/vacation time. That is and was your choice ... continue on, but stop crying about it. That's a FACT ... keep paying if you want ... UP2U.

That's why I didn't vote, except in local, town/county elections. Those directly effected me. State & fed, didn't follow, didn't care, and most people vote for the best commercial anyway, so I'd be out voted. Why waste my time.

I can only tell you my life experiences. Besides, I don't think there's enough bandwidth, for me to tell all the stupid stuff I did, or mistakes I made. Consider my early family life, poor, alky parents, little proper schooling, no Uni, or guidance/mentoring. Stepped in a lot of sh!t along the way, 3 divorces & 30+ sh!t, low paying jobs ... and somehow, retired early. Sorry, if I can do that, there is no reason or excuse for people to be living below poverty level, or having a hard time making ends meet. I'm a prime example of a total F'up, at times, and still did OK. Only thing I figured out on my own was, 'if you can't pay for it in cash, you can't afford it', and that's just common sense. Something I notice, people simply don't use. That appears to be the only different factor with building equity, or staying in debt till you retire. Or worse, after you retire.

People are voting for the idiots that are leading them. How stupid are you to keep re-electing the same people, and expecting change. Stupidity ... comes in all forms. Live with your choices, that includes your elected politicians, career politicians. Giving away control of your livelihood to people who don't care about you ... well, that just stupid. I think someone describe stupid as, 'doing the same thing repeatedly, and expecting different results' ... that describes your voters. Everyone has choices, but fail to exercise them.

You can only hide or delay paying taxes so much. Eventually, the tax man cometh. So have so much, they actually give it away, rather than pay full tax on it. A good thing.

That describes me to the T, and guessing I'm not alone, in that thinking, or action. First ... I'm not rich. I'll call it comfy. But, a couple years, I did hit the 1% tax bracket, which is actually kind of low, $250k. And since not salaried, most (all after retirement) of that got hit with a 40% tax (fed + state). Most years, I made <$20k, salaried, and only 7 of the last years that I worked, did I make just shy of $50k. Pretty sad salaried income history actually, and why so many jobs, 30+. Very far from a consistent, high salaried income earner. Anything made in the market, got hit with 40% tax. My saving grace was living basically with low monthly expenses, same as here, now. And ... no kids. Much of my 'income' wasn't reported or taxed. That self employed, slum lord thingy. Cash receipts part anyway. Only had 5 units (3 bldgs), 4 rented, keeping 1 open for me. Tenants paid 2 mortgages, and all paid off extremely early. 3rd house bought basically with cash, CC, but paid off less than 1 year. Rolled sale of 'free & clear' houses into the market. After learning curve, ????(expensive) perfected my trading, and made a lot of money, very fast, <5yrs, then retired. 25-30 working yrs prior, was party time. the last, age 40-45 yrs old, was nose to the grindstone. Point is ... as with the quoted story, I could have continued making $250k or more a year, for the past 20+ years. Now tax that at 40% ... and that's what the tax base didn't get, because I was tired of doing all the work, and make no mistake, successful trading is full time work, and then have gov't take 40%. Don't have a problem with paying taxes, but do have a problem on what it's spent on. Invading & occupying sovereign countries. Yea, I got off the hamster wheel in 2001, when Cheney became president, as easy to see where that was going to lead. Oil & defense contractor leading the country, war was inevitable, along with the region needed to be attacked. A blind man could see that coming. Just like now, California, New York & New Jersey are losing their high income residents, to other states, I chose a different path, stopped completely & left. Sure a few others did also. Sooner or later, you run out of other people's money. Or, they simply leave the state, CA, NY, NJ, they are the losers now, or, simply leave the country & retire, and the whole country start to lose their cash cows. Business taxes, they, businesses moved overseas, taking jobs & tax base with them Many of those (not me) multi millionaires. Some even renounce citizenship, and their future income, unless made in USA, isn't even taxed. Or hidden in 3 levels of int'l shell companies. DISCLAIMER: TBH, being a lazy POS, I probably would have hopped off the hamster wheel anyway. If a flat, 'fare' tax, 20% across the board, then I might of still dabbled, and contributed to the tax base. Now, I'm a blight on society, and getting it all back.

You can say as many times as you like, doesn't make it true. You obviously didn't look at what I posted, As you rarely do with your repetitive tunnel vision replies. Have a nice day.

Yea ... I've never heard of a company giving out false info ????

Own (free & clear) or simply have.

Live by your choices, stop blaming everything or somebody else for you station in life. Cousin posting photos of their holiday at Cancun, MX. They are NOT in the $100+k income bracket. Have decent house, cars, kids at Uni. People working unskilled labor, are getting $15 hr. McD pays that for flipping burgers,$30+k a year. 2 income = $60+k a year for household income. You can't live on 60k, then you're a idiot.

Wow, some exciting sites to be had. Loop including beach, and back around 2nd road. And surely at a premium price vs simply taking the baht bus. And the topper ... cruising soi 6 ... can it get any better.

The study doesn't give or state much info, except the results. Many things affect battery life, charging just one of them. That manufacturers advise slower is better, is a bit telling. Heat is not a batteries friend, and fast charging produces more heat. Although, 'newer' tech, chemistry and built in safeguards, BMS, help minimize the negatives of fast charging. Enough so, that slow vs fast, may have minimal long term effect. Or so I read elsewhere. What the study doesn't state, is year & chemistry of the batteries being charge, and many other factors with affect battery life. Tesla use 4 different battery chemistry's, since year 2000. Where were the tests and cars in the test located. In hot or cool or colder weather. Though agree it may make minimal difference, the test if flawed for not providing more info. One brand car, no year or chemistry of batteries. Along with study possibly only using Tesla's super chargers. Who funded and provided the info that was studied?

I used to work at Sherman & Williams, and never...never...never, did we ever suggest adding water in any primer or paint. Here/TH, they add water to concrete sealer, primer & paint, and wonder why they get the results they do. I repainted my first house here, as original didn't last 1 year. sold it 7 yrs later, it didn't need a paint job. Same with 2nd, now on 3rd. Do NOT add water to sealer, primer, paint. TOA fan myself.

Wow ... mind boggling. I doesn't matter what the rate is, low or high, it's the length of the loan. Put any #s in you want. It's still NO cost, NO risk, Guaranteed Return. Or you can buy that new shiny car, make payments on that every month, and take 30 yrs to pay off your biggest investment, instead of 15 yrs, and put money in your pocket. Or pay the house early by simply keeping the POS car your friends laugh at. But when you retire at 46, with more money than you know what to do with, and they are still working till 66 ... then retire on fixed income. ... who's laughing now. This isn't rocket science... This isn't even Ph'd stuff Don't need a college degree. Just common sense.

Spend $31k. over 15 urs, that you have to spend anyway, save $100k. You better read (lost) opportunity cost. No cost, No risk, guaranteed return. Anyone else offering that. Now you take the equity, borrow against that, buy another house, rent that out. Repeat ... 30 years you retire, have your money back, with income, along with your work pension and or Soc Sec.

You really have to ask why a 30 yr mortgage is stupid. Better than renting, but that's about it. By spending (<$31k) $171 more a month, for only 15 yrs, you save over $100k. And paid off in half the time.

... nuff said Reason for the wide disparity, when top income earners get to a certain point, they actually start earning money, all bit itself, unless you do really stupid stuff. Once you have more coming in than you know what to do with, the fund, equity, income just steamrolls, like a snowball down a hill. As long as banks are sucking 20% of your income, especially on stupid crap that does not appreciate, or impress anyone, you'll never move forward. 30 yr mortgages, are people still that stupid. It's mind boggling. Tough making the monthly bills ... and there is alcohol, cigs, in the house ... nuff said. Do you really need a new car ? I owned 1 in the USA, and it was for work. You have extra money, we need a holiday ... no, you don't, you need to pay off your mortgage earlier. Credit is for investing, not toys & good times. Stupidity

I watched the whole a while back, worth watching, and has some twists that come around in the end. Worth picking back up, especially now, since so little is out there.

Some people live by a different code

I think we paid more than enough already. 25-35+% (that's just fed tax) of our income, and the bottom half, pay 15-0% You don't have enough money, try earning more. Because ... Sooner or later, you run out of other people's money. "The top 10 percent of earners paid 74 percent of all income taxes and the top 25 percent paid 89 percent. Altogether, the top fifty percent of filers earned 89 percent of all income and were responsible for 97.7 percent of all income taxes paid in 2020." source