patrick.net

DooDahMan says

Hail damage and home insurance coverage: What you need to know

Homeowners insurance offers protection against hail damage to your home's structure. But insurers in states where hailstorms are common limit the coverage or increase the premium So, if you want protection from such events, make sure that you are being fully covered and check for restrictions on your homeowners' policy before purchasing it.

https://www.insurance.com/coverage/home-hail-damage-insurance-claims

So this is why insurance is so expensive in Oklahoma?

1337irr says

As someone who worked in the mortgage bank industry, I recommend just increasing your deductible limit to lower the cost of insurance. Some repairs can be financially devastating such as a tornado, fires or sinkholes.

I'd agree. If you can't front a high deductible you're likely to be broke. Maybe don't buy/build something so expensive? I always go high deductible and high coverage.

Having made claims from travel to houses, keep cash on hand and you'll be rewarded with a lower monthly payment. No sense in giving it away to an insurance company until you actually need to, which might be never.

Thorp looks great and is sharp AF for 89. I have a friend and a neighbor in that range and they are both infirm and kind of daft.

There are many investors buying places, especially in Florida.
There were unoccupied places and that was the reason.
I think it’s wrong that people have to bid against Wall Street or groups of rich people to buy a place.

HunterTits says

DooDahMan says

Logan Mohtashami: The investor narrative has been blown out of proportion because they’re not the biggest buyers of homes in America.

Fucking bullshit. It is as high as 50% in many markets when you look at mortgage applications for second homes where they check off the box where they say they intend to collect rent on the house. That means they are investor buyers.

If one just looks at the purchases being made by LLCs and Corps like this jackass is referring to, then it seems like it is only 25% of sales are investors.

DooDah's post is in the side of the investors, that's why he is projecting.

I work as a Notary Public in Real Estate. I too see that 50% of transactions are for investors. Every RE agent and Loan Originator I know that has made good money, has done so by buying opportunities and either flipping them or renting. Regular folks miss out on those opportunities m

The Fed Funds rate was 5% to 6% from 1995 to 200, and around 5% in 2007.

The Fed Funds rate was 0.25% from 2009 to 2016 and then peaked at 2.5% in 2019.

It is now 1.75%. I suspect the Federal Reserve will raise it to a maximum of 3% to 4%.

All of this may help adjust housing prices so that homes are affordable.

That means housing cost (rent or mortgage/property tax/property insurance/HOA fee) is not more than 36% of household income for the typical family living.

.....

richwicks says

FarmersWon says

A fake bomb threat resulted in the arrest of 2 Sikh men attending a Sikh Genocide Remembrance Rally.
This raises serious questions. Who provided this false info and was this really about shutting down dissent?

How do you know it's not fake?

Hey, there's nuts and violent people in every group.

Hindoo is known to kill own people and blame Sikhs. This is factual historical fact.
There leaders openly said its OK to kill 40M Bhartis to get rid of 20 M Sikhs.
Hindooo cult treats Bhartis like shit.. $1 a day wage and no toilets or food.

On the current news:
https://ottawa.ctvnews.ca/false-bomb-threat-tippers-should-be-prosecuted-world-sikh-organization-of-canada-1.5946141
Police face growing questions, calls for investigation into false Parliament bomb tip

https://ottawacitizen.com/news/local-news/rcmp-investigating-false-parliament-hill-bomb-tip-against-sikh-men-ottawa-police
RCMP investigating false Parliament Hill bomb tip against Sikh men: Ottawa police

WookieMan says

1337irr says

As someone who worked in the mortgage bank industry, I recommend just increasing your deductible limit to lower the cost of insurance. Some repairs can be financially devastating such as a tornado, fires or sinkholes.

I'd agree. If you can't front a high deductible you're likely to be broke. Maybe don't buy/build something so expensive? I always go high deductible and high coverage.

Having made claims from travel to houses, keep cash on hand and you'll be rewarded with a lower monthly payment. No sense in giving it away to an insurance company until you actually need to, which might be never.

+1

Worked hard and never got laid. Perfect drone.

I mean, who is the jackass that upvoted this drivel.

Fucking attempted coup my ass. The first fucking coup attempt in history where not one “insurrectionist” was armed and the fucking government said “come on in”.

Who the hell are the assholes writing these lies?

The threat to Democracy is too much government meddling in our lives.
Another is allowing foreigners in the USA in large numbers.
The most recent threat was the lawless behavior of governors illegally changing voting procedures to vote (fraud) by mail. This allowed vote fraud on a large scale.
Only a fool believes we should vote by mail.
January 6 was a protest against the vote fraud in November.
How do we know it’s a fraud? It’s true because any mention of it was censored by Facebook, Twitter, etc.

DooDahMan says

On the anniversary of the January 6 attempted coup

This was a public demonstration that meant to get the public's attention. It was no coup, and you know that. If it was, then they would have gone in there with guns and started shooting and set fire to the place. Yes it caused disruption but it was not there to have a takeover of the government. And yes, disruption or disorderly conduct could be attributed to a few of the protesters, including the African American, John Sullivan, who is a left wing activist.

.

My father lived to just a week short of 96.
The cartoon above shows an inaccurate description of him.
He did take a nap after lunch.

I recommend to have extra money to pay someone to help you; your kids likely won’t (if you have any).

I’m not a geezer yet but I’m going to be prepared for it.

Don’t let yourself go, my father even had a trainer at age 94.

DooDahMan says

On the anniversary of the January 6 attempted coup

I agree. It is fraud and slander to characterize legitimate unarmed objection to mass election fraud as somehow a coup, especially when the protesters were deliberately let to the Capitol building.

I disallow it.

DooDahMan's comment will all go through moderation again, like I did once before. I am certain that he is not here for any good reason.

LOL at new title. It is a 'Soros' tactic to interject 'threat to democracy' every other sentence to virtue signal and justify destruction of actual democracy.

There's enough firm evidence Jan 6 is a rampant false flag perpetrated by the Dems and radicals, that the 'coup' word repeated over and over with the 'd' word is two bit propaganda.

@Patrick Please ban him benevolent dictator! I don't like drivel and slanderous posts that are more than a 1,000 words.

We'll call it PatrickTruth Social.

1337irr says

Please ban him benevolent dictator!

He's not banned, but can no longer create new threads, and his comments have to go through moderation now.

I did this once before when he was getting extremely passive-aggressive, but undid it when he seemed to chill out. Now I think it should be permanent.

FuckTheMainstreamMedia says

Who the hell are the assholes writing these lies?

Propagandists. There are no journalists in the United States - or at least VERY few. Stop giving these assholes legitimacy by pretending that they believe this bullshit. They don't.

In regards to the 2020 presidential election. My own experience volunteering on campaigns and watching results come in for various races says Biden shouldn't have won. The 2000 Mules documentary provides some evidence to my suspicion.

My pops turns 80 in a couple weeks and is pretty badass. Still a sharp mind(mostly), in very good shape. I’m happy and gracious that my parents are still around, and God willing may even get to see grandkids from my nephews.

I still get to attend Dodgers games with him and I’ll be pleased for as long as that continues.

Quite ample evidence - GPS data proving large numbers of specific people going around to ballot box locations, camera data showing them taking selfies with the ballots they are about to stuff in (to get paid), stuffing them in on camera with rubber gloves on, stripping off the gloves afterwards...

It's more than enough to convict.

FuckTheMainstreamMedia says

I mean, who is the jackass that upvoted this drivel.

He upvotes his own posts and comments pretty frequently in my experience.

The DooDahster sure is trolling hard today.

https://www.ksat.com/news/local/2022/06/21/officer-husband-of-slain-uvalde-teacher-was-detained-had-gun-taken-away-after-trying-to-save-wife/

Officer husband of slain Uvalde teacher was detained, had gun taken away after trying to save wife
Texas DPS director said Eva Mireles told her husband she ‘had been shot and was dying’

HunterTits says

Doo is posting shit from the future now.

He self identifies as a time traveler.

.
.

DooDahMan says

The savagely unhealthy housing market is now a nightmare - Logan Mohtashami

If I want to buy a starter home for $500,000 (3 bedroom, 2 bath, 2 car garage within 3 miles of Florida panhandle beach) at a 30 year mortgage rate of 3%, then my monthly payment is $2108. The bank determined I can afford that monthly payment.

Now with the rate at 6%, my monthly mortgage is $2998.

The home price would have to come down to $360,000 (at the 6% rate) in order for the monthly payment to be near $2108.

That means a drop of $140,000 (from $500,000 to $360,000 or 28%).

That is why I am figuring housing prices need to come down about 30%.

I think in a way the Fed is doing this to bring housing prices back to just above 2020 levels. They'll keep rates steady for a while and then make adjustments as necessary.

For the ones who bought at 3% interest rate for a mortgage in 2020 to 2021, I don't think this matters much if they plan on staying in their homes for at least 7 years.

.

Knowledge, equality and light is enemy of darkness called Hindoooooo cult.

https://twitter.com/AudreyTruschke/status/1521024014902308864?cxt=HHwWgMC58YzS4ZsqAAAA
"Proponents of the political ideology known as Hindutva actively try to restrict knowledge, often drawing from the colonial toolkit, and, in so doing, champion ideological control as a virtue."

On Hindutva "decolonization," i.e. promoting colonial ideas-

Dickheads have produced:
1) Uncontrolled surplus unemployed or underemployed young population ready fuel for minority genocide.
2) $1 a day median wage.
3) Eating toxic excreta.
4)100% corrupt bureaucracy unleashed on people to suck their blood and make them slaves of Hindooooo cult.
5) Mental and physical filth everywhere.

Denying a Bleak Future
--------------------------------
Looking forward, Hindu nationalists seek to continue molding India into a Hindu Rashtra, an ethnonationalist homeland whose dystopic features they attempt to hide from much of India’s population. Hindutva ideologues project many fictions about India’s future, including the basic idea that it will present a better life for most Indians. In reality, Indians are already suffering under the tightening grip of Hindu nationalists, who are actively eroding freedom of the press, civil society, human rights, and human freedom overall. Hindu nationalists do not want Indians to glimpse where their nation is likely headed, which is why they have driven human rights watchdog groups out of the country and relentless persecute journalists. These actions do nothing to change the oppressive reality on the ground, but they substantially restrict knowledge about Hindutva activities and their negatives impacts on Indian citizens

Removed "dickheads" from title. Too personal.

Patrick says

Removed "dickheads" from title. Too personal.

It is self identification .. Nothing personal.
Compare the pictures.

Winners twitter profile... Clearly indicating the goal is to create separate sikh state... He was tortured by Hindooo(His nails pulled and given electric shocks) for many years.
Whats the secret plan of Hindooo?... Is he sold to Hindooo or Hindooo has some other plans.. We will see.( In Hindooo land there are no real elections)
Hindooo knows that Sikhs consider Hindooo cult as enemy and will stab this cult to oblivion as soon as get chance to bring peace in Bharat.

Other theory may be to appease Sikhs for time being to slow down(they can't stop) nexus of CIA,Pakistan ISI and China to enslave Hindooo land and give Khalistan to Sikhs.(British have old pact with Sikhs, Only the UK's bitch Thatcher broke that pact)
Hindoo cult has some more assets to plunder before they run to globalists with loot.. Let us see what happens.

https://twitter.com/SimranjitSADA
Official A/C: President Shiromani Akali Dal (Amritsar), 2 times MP, won with highest margin of votes in 1989, striving for #Khalistan(sovereign state for Sikhs)

https://twitter.com/SimranjitSADA/status/1522150592780509184?cxt=HHwWgICplcj54Z8qAAAA
Appeal to Nordic countries-SSM Nordic Countries should not recommend the Hindu Indian state to become a permanent member of the UN Security Council as it has not honoured 1948 Resolution of UN SC for plebiscite in Kashmir. It has committed genocide the Sikh peoples with impunity.

https://twitter.com/JagrajS38632272/status/1541107871714525184

Right: Sikhs only care what the "Guru" says about us and are we on path of "welfare of all" followed by us... if yes other opinion from anyone else is moot.
https://twitter.com/peakyblinder968/status/1541125605588013056

https://twitter.com/Jo_Singh/status/1541157429341061120
The person filming this is an expert... managed to hide the ling at all times

Hindoo cult forcing women to dick worship.

https://news.yahoo.com/indian-women-stepped-hindu-holy-100000297.html
Indian women get stepped on by Hindu holy men in unique ritual to 'fulfil their wishes'

https://notthebee.com/article/it-gets-even-worse-slain-uvalde-teacher-called-her-cop-husband-after-she-was-shot-and-he-tried-to-get-in-to-save-her-but-the-other-police-stopped-him-and-took-his-gun-away

IT GETS EVEN WORSE: Slain Uvalde teacher called her cop husband after she was shot and he tried to get in to save her, but the other police stopped him and took his gun away

GENOCIDE_DNA

https://mobile.twitter.com/Hindus_101/status/1541718446865428480

Hindu Supremacist leader Ron Banerjee, the Executive Director of Hindu Conference of Canada openly demanding killing of of Muslims and Sikhs in India, saying “they deserve to die”! #Prophet #Khalistan #Hindutva #Arrested #zubairarrest