patrick.net

If a household's gross monthly income is $5,000 then they should not buy a home or rent a home that costs more than $2,000 per month. That is what I was referring to as far as housing costs per month.

AD says

If a household's gross monthly income is $5,000 then they should not buy a home or rent a home that costs more than $2,000 per month. That is what I was referring to as far as housing costs per month.

You should go back and edit it then.

Iranian_Oil_Burse says

You should go back and edit it then.

"a home is not affordable if the monthly total housing costs (principal+interest+taxes+insurance+hoa fees+emergency repairs) are 40% more than the household's gross monthly income"

What is it wrong with the original statement above ?

AD says

Iranian_Oil_Burse says

You should go back and edit it then.

"a home is not affordable if the monthly total housing costs (principal+interest+taxes+insurance+hoa fees+emergency repairs) are 40% more than the household's gross monthly income"

What is it wrong with the original statement above ?

"Housing costs more than 40% than the households gross monthly income" literally means they are paying 140% of their gross monthly income. What you wanted to say is "housing costs more than 40% of the households gross monthly income".

If the fed had interest rates at 6% I guarantee there would be no housing crisis.

Okay, I apologize as it should have been written as "more than 40% of household gross monthly income".

RC2006 says

TDS is real folks.

It really is. Today at the office, my liberal coworker who sits next to me had a TDS bout. It was quiet, and we could hear another worker down the hall talking to someone else about the Mueller report, and how it was a big flop etc....

My libby coworker took a real deep breath and exhaled in a shaky, angry, breathe. Just overhearing someone else mention that "his side" failed made him almost lose it. haha

It's sad that he's still blinded, and still thinks russian collusion was real despite the obvious outcome.

RC2006 says

TDS is real folks.

So is TMS (Trump Messiah Syndrome).

I wish you inferior idiots would quit yammering about how superior White people are over your low self esteems asses.

Get a Life you Fucking Losers!

I wish you inferior idiots would quit yammering about how superior White people are over your low self esteems asses.

Get a Life you Fucking Losers!

I wish you inferior idiots would quit yammering about how superior White people are over your low self esteems asses.

Get a Life you Fucking Losers!

I wish you inferior idiots would quit yammering about how superior White people are over your low self esteems asses.

Get a Life you Fucking Losers!

Is any of this getting through to you low self esteem losers? Well is it?

Jazz why are you fixated on these white supremacists attacks? This is a 1 in 20 million crazy person.

31 murders in chicago happened in July alone, more than many years worth of these freaks.

Per capita, white people commit far less murders and less terrorism.

Ask yourself why you are fixated on these rare incidents. Are you Jewish?

Jewish people are a target worldwide again. White supremacists are one of many concerns for the Jewish community, albeit WS is dwarfed by the others.

gsr says

So is TMS (Trump Messiah Syndrome).

Trump is no messiah. But it is nice to have a leader working for us instead of himself.

AD says

If a household's gross monthly income is $5,000 then they should not buy a home or rent a home that costs more than $2,000 per month. That is what I was referring to as far as housing costs per month.

Even then, that seems like its cutting very close financially. Utilities, groceries, car payments? How much is this person investing or putting back into their Roth/401k/etc?

I know young professionals in Chicago who make $75k/yr and rent 1br's for $2600/month.

CBOEtrader says

I know young professionals in Chicago who make $75k/yr and rent 1br's for $2600/month.

Damn that's rough.

CBOEtrader says

I know young professionals in Chicago who make $75k/yr and rent 1br's for $2600/month.

That is $500 more than my mortgage for a 5 bedroom house in Carlsbad, CA with peak ocean views and a phenomenal school district.

Eight years ago, we were renting a 3 bedroom, 2 bath house in Pacific Beach 4 blocks from the ocean for $1,800/month.

I was in the Midwest last week visiting family and was surprised at the high costs of some of the new homes. Granted, these were big (4,500 square foot) homes on a golf course - but a couple of them were nearly $2 million not including HOA and resort fees! Even now, you could get a very nice big home near the ocean in San Diego County for less that that.

RC2006 says

That rat looks homeless.

Why? because he's not white? Dat's raciss..

Move over uneducated Minorities, Rats are the new protected class.

komputodo says

RC2006 says

That rat looks homeless.

Why? because he's not white? Dat's raciss..

Hair looks dirty and looks drugged out, poor life choices living in a liberal city. Rats by me don't come out during the day they know their place and stay out of site if they step out of line they get killed by black and white cat on patrol.

Annnddd more bi-partisan BS overshadows the real problems yet again.

For those who care, stop popping prescription meds like they're candy, and learn self-defense, including the use of a firearm.

For the rest of you false paradigm losers, continue dancing on victims graves, you sick, pathetic hypocrites.

#fuckGermany

I bet you believe that owners should be responsible for their dog's actions, right?

So, if you don't let somebody from a totally different neighborhood move into your house, though he has a home however humble of his own, you are going to hell. And of course pay his medical bills, food costs, put him up in a home, even though it distracts from helping other poor people native to the neighborhood.

Long Repeated Leftist Argument that is more stale than re-runs of Happy Days:

Leftists do little else besides covet, steal, and commit adultery.
Loving your neighbor as yourself means that you also love yourself enough to respect your own needs and property. It doesn’t mean you have to give up what you have to anyone else for the asking. It means you should treat others how you would want to be treated. I don’t want people to be forced to give me their money to support my lazy behavior, so I wouldn’t support a policy that gives them MY money to support their lazy behavior!

The only passage relevant to the discussion is this one:
“Pure religion and undefiled before our God and Father is this, to visit the fatherless and widows in their affliction, and to keep oneself unspotted from the world.”
‭‭James‬ ‭1:27‬ ‭ASV‬‬

Which seems to mean two things: take care of the widows and the orphans, (which our society and many many charities do) and don’t go around believing and acting on all the crap people dream up as some sort of “new morality.”

Thingsthatmakeugohmmm says

If you support the separation of children from their families

You mean like when their parents commit criminal acts and go to jail? Or if CPS is called on a family and the kids get taken away until the parents can prove that they aren’t deranged axe murderers? That kind of separation? Happens all the time to Americans. Not even a partisan thing.

Here’s a real example: my sister is divorced from her first husband, and a few years back he made a serious play for full custody. This involved making a call in the evening to CPS to claim that the kids were in danger with my sister and her new husband. Police came to their door and forcibly took the boys, gave them no options, and held the kids in custody for a week before giving them to their dad full time. All based on nothing but a lie. It took almost a year and many thousands in lawyer fees for my sister to navigate the process of getting them back. So there you have it. Child separation happening and society praising it.
Awesome.

Thingsthatmakeugohmmm says

I think that Romans 13:8-10 is proof that those whom support tRump's border policies will be going to HELL.

Have you applied this verse to your neighbors? God doesn't care much about your political outlook if you neglect the people you meet everyday.

Thingsthatmakeugohmmm says

If you support the separation of children from their families and allow humans to live in inhumane conditions

Your Bonkers Donkey party supports this by encouraging Central and South Americans to sneak into our country by promising them free shit like my dopey Governor in California giving free healthcare to illegals.

Seriously - WTF do you think you are doing with incentives like this?

I will give you the benefit of the doubt that you have good intentions and don't want to see children abused by their parents and coyotes - but your party's policies are causing real harm. Not only to the children who are being used by smugglers, but you are doing lasting harm to countries like Guatemala and Honduras where people are just giving up and fleeing instead of trying to fix their homes.

Thingsthatmakeugohmmm says

If you support the separation of children from their families and allow humans to live in inhumane conditions while spending $750 per night to house them God will know you are breaking his laws.

The reason children are separated from their parents is because ANTI CHILD TRAFFICKING GROUPS asked for it. This policy dates from before Trump for sure, it might go all the way back to Clinton, I don't recall.

Migrants, with no ID of their own, were claiming "kids" that weren't theirs. No just to get fast-track treatment, but also for purposes of stopping Child/Teen Prostitution.

Sometimes it's not Dady Juan or Tio Tito, but Pimp Pepe pretending he's Tio Pepe, who promised the 14-year old girl a modelling career before taking her to an in-call only place in Los Angeles for other Central American Migrants. Note there are plenty more males than females and this has been the case for decades.

30% of children arriving with migrants subject to a DNA test have NO BLOOD RELATIONSHIP.

https://www.washingtonexaminer.com/policy/defense-national-security/dna-tests-reveal-30-of-suspected-fraudulent-migrant-families-were-unrelated

Where does the Bible mention the border? OP dodged his own point.

Sad.

Thingsthatmakeugohmmm says

If you support the separation of children from their families and allow humans to live in inhumane conditions while spending $750 per night to house them God will know you are breaking his laws.

Ok, build the wall so we don't have to house them, and they aren't incentivized to come live off our public funds.

If you support open borders God will know you are breaking the law.

Irrelevant wrt enforcement of our laws: "Congress shall make no law respecting an establishment of religion..."

What does Quran say on the subject? Torah? Avesta?

"And so Mohammed brought all the Jews, Indians, Greek, and Pagans of all kinds into Mecca and Medina and said O Muslims! Give up everything you own to the Kaffirs, in the name of Peace and Love. For Allah is Merciful! Compassionate!" - uh, not in the Quran.

It was in 2012. Where were you?

No, the year is 2024, when our great president is term-limited out of office.

I'd be in favor of indexing capital gains to inflation and then counting long and short-term capital gains as regular income. That would simplify things at least a little bit.

Also, no need to have the $250k/$500k deduction when selling your house. Just index for inflation and many people will find out their house didn't gain in value at all.