patrick.net

So far the Rouble has held its value far better than the Euro has against the US dollar.

Richwicks is far too lenient in his appraisal of Euro banks. They are all toast.

The amount of corruption bucks flowing from the Ukraine to the US elite was piddly maybe a few billion dollars. The amount of corruption bucks flowing to the European elite was staggering. As of December 2021 the Ukraine had an external debt of about $129 billion, mostly to European banks. That money is gone, embezzled, corrupted to the elite, etc.

The Western media likes to harp on the economic damage being done to Russia via the sanctions. The Ukrainian economy is forecast to drop by about 45%. The people in power cannot hide that Ukraine's $129 billion cannot and will not possibly be repaid. Their only hope is simply to not mention Ukraine's debt and hope nobody notices. You could pour through the BIS data to see which banks hold the most worthless paper, but the Euro banking system is done...they can only print and keep printing.

DooDahMan says

Depending where you live it may be necessary to have Hurricane Insurance, High Wind Insurance in addition to Flood and Homeowners.

I prefer to just make the house hurricane and flood proof. I mean I would put a house on stilts in Florida unless I'm more than 40 feet above sea level. I would also do hurricane shutters and give myself good roof access so that I can get on it easy to make repairs.

DooDahMan says

No, I am still not Logan. This article above is still behind a paywall on HousingWire, I am merely trying to give credit to who wrote the piece.

I didn’t suspect you were Logan until you posted this unsolicitedly

HunterTits says

When Russia pops the first nuke on a city in Ukraine,

They will get three in return: one from US, one from UK and one from France. Brits has pretty much said it outright and there is info that both US and France has conveyed the same by diplomatic channels. So I seriously doubt anybody would be "popping"'anything anytime soon.

Besides, woudn't it be an admission that "2nd army in the world" is impotent to subdue even the 22nd? How the fuck were they planning on taking on the whole NATO with a wreck of an army like that? Even the horde of sheep like Russians might start asking questions about what happened to their "undefeated and legendary" Red Army under 22 years of Putin's rule. They were fed a daily diet of fancy video clips portraying all the "modernizations" and "battle successes". Admitting that their army is nothing w/o nukes might be a hard pill to swallow.

is landlord liable for tenant injurying themselves? i thought it has to be like sheer neglect or something, otherwise knowing American sue happy culture, blinded by dollar signs, there would be constant lawsuits.

DooDahMan says

Depending where you live it may be necessary to have Hurricane Insurance, High Wind Insurance in addition to Flood and Homeowners.

I'd rather have a hurricane proof house than pay the excessive insurance rates.

Ignore works. And you don't even have to push the button.

But you might miss some brilliant posts.

Onvacation says

Ignore works. And you don't even have to push the button.

But you might miss some brilliant posts.

Good suggestion.

It costs about $2100 to rent the same type of place my wife and I own (3 bedroom, 2.5 bath, 2 car garage townhome) about 2 miles from the beach in the Florida panhandle.

We bought it brand new for around $187,000 in summer of 2016 at a 3% mortgage rate, no points, and 30 years.

Our monthly payments (mortgage, property tax, property insurance, HOA fee, and interior maintenance budget) are about $1500.

Our average principal or equity payment is $400 a month (and $400 goes to mortgage interest). We have about $160,000 balance left on the mortgage.

The same units in our HOA are selling for $290,000 to $300,000. I expect they will crash and bottom to $240,000.

The bottom of $240,000 equates to about a 4% annual appreciation in price since 2016.

I use this 4% annual appreciation rule based on what I read from Professor Robert Shiller in regards to housing returning or regressing to the mean.

...

DooDahMan says

FarmersWon says

Please limit ..too many deliveries.

Going to end really really soon - really soon and everyone can go back to business as usual




Is this soon enough 4 u ?

ਬੰਦਾ ਬਨ ਜਾ ਨਹੀ ਤਾ ਬਨਾ ਦਿਆਂਗਾ

NuttBoxer says

Have you seen the Kashmir files? Tried downloading it a few times, couldn't find a good copy with English subs.

@Farmerswon is a musli* bootlicker. He will tell you that it is all propaganda against Muslim by right wing hindu nationalist govt of India.

indc says

NuttBoxer says

Have you seen the Kashmir files? Tried downloading it a few times, couldn't find a good copy with English subs.

@Farmerswon is a musli* bootlicker. He will tell you that it is all propaganda against Muslim by right wing hindu nationalist govt of India.

Hindooo got worked up by reality.

Khalsa is always sovereign.
https://www.sikhiwiki.org/index.php/Khalsa_Kaal_Purakh_Ki_Fauj?source=patrick.net
Khalsa Akaal Purakh Ki Fauj is the Line of Saint-Soldiery, common among sikhs. These are words of Guru Gobind Singh. The purpose of the Khalsa as defined by the tenth Sikh Guru, Guru Gobind Singh who established the order of Sant Sipahi (Saintly warriors) was to act as "the army of God" to guard and protect everyone (not just Sikhs) and who always act according to their Gurus' teachings, rules and ethics were at act with charity, love and service to all human beings. The commandments of the Khalsa being enshrined in the Sri Guru Granth Sahib.


Hindooo cult is created by Muslims to divide Bhartis.
Hindoo will always be slave of Muslims.
----------------------------------------------------
What is meaning of Hindu in Farsi?
Yes it is Persian word meaning defeated or slave. Persian dictionary titled Lughet-e-Kishwari, published in Lucknow in 1964, gives the meaning of the word Hindu as “chor [thief], dakoo [dacoit], raahzan [waylayer], and ghulam [slave].” brahmin imposed to Indians to be called it.

You Can list all the great things about Sikhi. But bootlick** will be bootlick** even when he knows what Musli** did to his fore-fathers.

indc says

You Can list all the great things about Sikhi. But bootlick** will be bootlick** even when he knows what Musli** did to his fore-fathers.

You are slave.
Your great grand daddy did bidding for mughal emperor by creating backstabbing Hindoo cult.
Your grand daddy did for british empire.
Your daddy did for Indira bitch.
You are doing for globalist agent Modi.

You are nothing but slave. Sikhs opposed all the tyrants and have no hatred against commoner of any denomination.

FarmersWon says

You are doing for globalist agent Modi.

You are nothing but slave. Sikhs opposed all the tyrants and have no hatred against commoner of any denomination.

Modi is such a globalist dog that when they asked him to sanction Russia, he did not. This just shows what kind of blind-hatred you have for him and hindus in general. Dont worry you khalisthani do** will slowly die down once India becomes strong. You know UK made an intelligence agreement with India to control your elements in UK.

indc says

Modi is such a globalist dog that when they asked him to sanction Russia, he did not. This just shows what kind of blind-hatred you have for him and hindus in general. Dont worry you khalisthani do** will slowly die down once India becomes strong. You know UK made an intelligence agreement with India to control your elements in UK.

You are slave.
Modi is agent of globalist and all the wealth is getting transferred to London and elsewhere.
Sikhs are always freedom loving strong community not slaves like you... Your hatred for Sikh community has no value.
Sikhs will save Bhartis after Hindooo run away with loot.

Hindoo looters are running away with stolen Bharti wealth.
https://economictimes.indiatimes.com/nri/migrate/rich-indians-leaving-country-government-could-look-at-increasing-cut-off-days-for-residency/articleshow/89170231.cms?from=mdr&source=patrick.net
Rich Indians leaving country: Government could look at increasing cut off days for residency

indc says

Modi is such a globalist dog that when they asked him to sanction Russia, he did not.

Because it would cause a famine in India.

If anything, the refusal to sanction Russia shows Modi isn't entirely onboard, although he's been attacking gold ownership and is forcing people to move to digital currency. He sold his country to a set of bankers.

richwicks says

Because it would cause a famine in India.

If anything, the refusal to sanction Russia shows Modi isn't entirely onboard, although he's been attacking gold ownership and is forcing people to move to digital currency. He sold his country to a set of bankers.

Don't tell it to Hindooo cultist though.. They have slave mentality.
All Hindoo cult was in Indira Gandhi's ass and now they call her muslim agent.
Hindooo is dumb and perpetually looted by Brahmans for foreign owners.

FarmersWon says

Don't tell it to Hindooo cultist though.. They have slave mentality.

Dude, all this is just insane bigoted ranting to me. I wish you'd stop.

You want somebody to change their mind? Explain how and why they are wrong, so they are able to change their mind. Just calling them stupid, cultists, mental slaves, that doesn't change minds. People have to understand how they are wrong, before they can conclude they are wrong.

People try to bully others into submission to agree with them, but that only works on stupid people. Changing their minds, there's no point.

richwicks says

Dude, all this is just insane bigoted ranting to me. I wish you'd stop.

You want somebody to change their mind? Explain how and why they are wrong, so they are able to change their mind. Just calling them stupid, cultists, mental slaves, that doesn't change minds. People have to understand how they are wrong, before they can conclude they are wrong.

People try to bully others into submission to agree with them, but that only works on stupid people. Changing their minds, there's no point.

Hindooo cult is beyond repair.
It has dumbos and psychopaths only..no citizens.

You can check proof yourself
Sheep:
https://twitter.com/_SJPeace/status/1210362902240256008?source=patrick.net
Perpetrators:
https://twitter.com/ashoswai/status/1479391244983980032?source=patrick.net
https://twitter.com/riz09833970/status/1506203411041374211?source=patrick.net
https://twitter.com/_sameena_khan/status/1161735328291536897?source=patrick.net

FarmersWon says

Hindooo cult is beyond repair.
It has dumbos and psychopaths only..no citizens.

.

“Our approach to this billion-dollar industry is as both a cultural phenomenon that reflects and reinforces sexual inequalities (but holds the potential to challenge sexual and gender norms) and as an art form that requires serious contemplation,” the description reads.

Sounds like a wokeness infection attempt. They hope to change salt lake city mormon culture via their locally controlled college wokeness thought distribution center.

@FarmersWon

Personally, I'd like more information on India. Is it too diverse? Religiously?

WineHorror1 says

@FarmersWon

Personally, I'd like more information on India. Is it too diverse? Religiously?

80% of Hindoo land people live on $1 a day.
You can't have a lizard as pet for $1 a day in US, So they don't live human life and should not be counted among humans.
(It is a biggest shame of Hindooo cult's oppression)

Hindoo on this forum like @indc gets irritated as I lays out the truth of their fake superpower. I am like Ukraine exposing the lies of russian superiority.He claims it is superpower while all its money is emptied out by Hindoooo thugs.

Muslims(15%)
--------------
Muslims are mostly uneducated and majority of their strong communities moved to Pakistan or Bangladesh. So Muslim is very oppressed and currently it is waiting for Nazi style genocide. The fighter muslims who were part of sikh empire are in pakistan.. The left behinds in India act more like paper tigers... They lack guts to fight back except natives of Kashmir... but sure talk big game and are mocked by Hindoo.
Muslims also have credibility problem as their own religion is very oppressive so they don't get much sympathy from anyone fearing that if they become dominant, they may be bigger danger than Hindooo cult as we have seen minority situation in Pakistan is very cruel.

Sikhs(2%)
--------
Sikhs had their Nazi style genocide in 1984 and have largely shifted to west as done in past to fight a guerrilla warfare(West is new jungle for refuge). Some day they will sense weakness and pounce to end Hindooo rule. They are just 2% but feared due to their martial tendencies.

Christians
-------------
Dirty Hindoo call them "rice bag converts" and they are facing a impending genocide. Christians are well educated and have western support but they are mostly converted from lower castes and still not able to shed the horrors of Hindooo oppression, so not well prepared to fight back. One thing which may blunt genocide blow is support from Christians worldwide.

Hindooo(80%)
-----------
Currently the dominant one are the traitors who sided with Mughals (Muslim) emperors and mostly have mixed blood, They collaborated to make natives untouchables. The dominant Hindoo is 5-10% and they will face the music when Sikhs will take over in next few decades for all their crimes against humanity.

I don't even know where to begin with questions. How about these questions...What group is dominant? What do they want from the other groups? Do you believe in borders, language and culture is what separates groups?

WineHorror1 says

I don't even know where to begin with questions. How about these questions...What group is dominant? What do they want from the other groups? Do you believe in borders, language and culture is what separates groups?

This is good read.
Hindooo started slow rolling out the genocide train and has picked up high speed after 1984.
https://www.theguardian.com/world/2020/feb/20/hindu-supremacists-nationalism-tearing-india-apart-modi-bjp-rss-jnu-attacks?source=patrick.net

Sikhs want federal system & Hindooo wants CCP like central system with Hindoo hegemony. Split can only solve issues.
https://en.wikipedia.org/wiki/Anandpur_Sahib_Resolution?source=patrick.net
Starting demands for federal system, But Hindooo crushed Sikhs with military attack(https://en.wikipedia.org/wiki/Operation_Blue_Star) instead of agreed upon federal system.

1. Propagation of Sikhism, its ethical values and code of conduct to combat atheism.
2. Preservation and keeping alive the concept of distinct and sovereign identity of the Panth and building up of appropriate condition in which the national sentiments and aspirations of the Sikh Panth will find full expression, satisfaction and facilities for growth.
3. Eradication of poverty and starvation through increased production and more equitable distribution of wealth and also the establishment of a just social order sans exploitation of any kind.
4. Vacation of discrimination on the basis of caste, creed or any other ground in keeping with basic principles of Sikhism.
5. Removal of disease and ill health, checking the use of intoxicants and provision of full facilities for the growth of physical well-being so as to

The tyrants(Upper caste Hindooo) who are in many cases illegitimate progeny of Muslim invaders are trying to still keep natives down.
Sikhs will lead natives with large numbers to crush the Hindu upper caste hegemony to establish just society.

https://hindutvawatch.org/indias-upper-caste-hindu-dominance-risks-a-civil-war-that-will-outlast-the-modi-regime/?source=patrick.net
India’s upper-caste Hindu dominance risks a civil war that will outlast the Modi regime

BayArea says

DooDahMan says

No, I am still not Logan. This article above is still behind a paywall on HousingWire, I am merely trying to give credit to who wrote the piece.

I didn’t suspect you were Logan until you posted this unsolicitedly

Wasnt unsolicited......user Nuttboxer calls everyone who doesnt believe in a 40-60% house price crash Logan Motashami. LOL

Did Logan Mohtashami get banned? I thought he was a member here. At least he was 3-4 years ago.

Goran_K says

Did Logan Mohtashami get banned? I thought he was a member here. At least he was 3-4 years ago.

there was this wide spread RE crash expectation on this blog and he kept arguing against it with data and his models. His main reasons for a coming booming housing market were driven by high demand, demographics and low rates.
He was right and the crash bro's put him on ignore. He left.

Bitcoin says

there was this wide spread RE crash expectation on this blog and he kept arguing against it with data and his models. His main reasons for a coming booming housing market were driven by high demand, demographics and low rates.
He was right and the crash bro's put him on ignore. He left.

Dang that kinda sucks. I enjoyed Logan's posts, and I actually joined PatNet as a bear.

You can easily follow him on website/social media. He write frequently and is on podcasts. I like him a lot.....level headed, realistic. And I like his style....He doesnt attract the masses with flashy sensationalized headlines.

https://www.dailymail.co.uk/news/article-9372555/Philadelphias-Skid-Row-Video-shows-citys-homeless-crisis-dozens-camped-trash-bin-fire.html?source=patrick.net

Philly has been a shithole for the past 40 years - this is news?

Sikh Empire Vs Dirty Hindoo cult.
Hindoo is just garbage culture.

https://twitter.com/Jasmansanghaa/status/1520259770384457728?source=patrick.net

@FarmersWon

I think you should have some kind of daily paragraph explaining the complexities of India. There are so many questions? Is it that the British fucked that whole country up and now it's just a stinking quagmire now?

How did India get to be such a shithole in relation to all of these social/diversity issues? It is purposeful?

WineHorror1 says

@FarmersWon

I think you should have some kind of daily paragraph explaining the complexities of India. There are so many questions? Is it that the British fucked that whole country up and now it's just a stinking quagmire now?

How did India get to be such a shithole in relation to all of these social/diversity issues? It is purposeful? In America, I believe our diversity issues are purposeful.

Do you live in the US? Do you believe diversity is moral or a strength? Do you do what most Indians do and simply hire/promote Indians when/if you are able to?

FarmersWon says

Hindoo wage which is $1 a day is big problem.

Look, this is terribly unfair, but how about this?

Fire them all and let them starve and move production elsewhere.

Because that's the alternative. Is this incorrect?

Yes, it's terrible that CHILDREN are spending their lives making Nike sneakers - get rid of the factory - what are the consequences? What's the result of doing that? Perhaps revolt in the nation, perhaps starvation. It's not simple, and understanding economics is an enormous task - it's understanding how an entire planet cooperates.

WineHorror1 says

@FarmersWon

I think you should have some kind of daily paragraph explaining the complexities of India. There are so many questions? Is it that the British fucked that whole country up and now it's just a stinking quagmire now?

How did India get to be such a shithole in relation to all of these social/diversity issues? It is purposeful?

It is too complex to understand whole India and Hindooo is failed system.
I have no interest except to separate Sikhs from this quagmire so that Sikh community can peacefully live.

By some estimate Sikhs are ready to invest $800B+ dollars from worldwide when we have our separate country and the income will easily go to around median $10k a year like south Korea.(Compared to $365 for Hindoo)
We can also align with NATO to have bases there and help us like Japan, Taiwan and South Korea. Sikhs needs just modern weapons as they are already a martial community... It will be win-win for both Sikhs and west.
Sikhs have lot of commonality with Christianity compared to Islam and Hindooo in term of values... as long as Christians keep shady missionaries(Good ones welcome if truly believes in Christ and its values & not power grab) out, It will work out well.