Post AXRVleCvL2xPJnp9X6 by MaleGoddess@poa.st
(DIR) More posts by MaleGoddess@poa.st
(DIR) Post #AXRU3rB1epCCqXUWSO by Jim@poa.st
2023-07-07T06:16:08.314808Z
39 likes, 18 repeats
Saw someone posting mortgage fixed APR rates and talking about how fucked buyers are right now. Checked it out to see if was really that bad and holy fuck that's brutal. From a thirty year low just a few years ago to a total interest rate payment worth way more than the initial property.
(DIR) Post #AXRUC0s3V0g5EEVW8e by graf@poa.st
2023-07-07T06:17:02.109947Z
9 likes, 1 repeats
@Jim thank you usurers
(DIR) Post #AXRUGESwtYGqYEmANc by tyler@1611.social
2023-07-07T06:18:23.891224Z
1 likes, 0 repeats
Even with Navy Federal it's not good.
(DIR) Post #AXRUIP1ebZeTsg2m4u by Sui@decayable.ink
2023-07-07T06:18:47.384974Z
0 likes, 0 repeats
No biggy, just print some money. The federal reserve does it, so it can't be that illegal.
(DIR) Post #AXRUPsAsd38eJMvBEu by Jim@poa.st
2023-07-07T06:20:01.827001Z
6 likes, 0 repeats
@tyler How the fuck are servicemen getting worse APRs than the general market. I'm zero down is nice but those fixed rates are a joke.
(DIR) Post #AXRUW7IjIkMkxmZPhg by tyler@1611.social
2023-07-07T06:21:16.165146Z
3 likes, 0 repeats
Most of it comes down to 'no down payment' but also your average military brat is retarded.Honestly there is no good banking-way out of this.
(DIR) Post #AXRUvVsd3QKEQvTJBY by Shadowbroker2135@poa.st
2023-07-07T06:25:51.546171Z
3 likes, 0 repeats
@Jim
(DIR) Post #AXRUvgZBK4IzZnSQts by Jim@poa.st
2023-07-07T06:25:52.499648Z
7 likes, 1 repeats
@tyler Yeah the rates right now are nonsensical for everyone it seems. I think my wife and I were extremely lucky to buy when we did and get a low fixed APR. If we were house hunting right now I couldn't justify paying that sort of interest. It would be crippling.
(DIR) Post #AXRV2GdC9DwTAOTOng by MaleGoddess@poa.st
2023-07-07T06:27:04.748696Z
0 likes, 0 repeats
@Jim @tyler how long until you croak?Not to be morbid or anything
(DIR) Post #AXRV3xLQpF7dvhyCBs by Elbowsmash@poa.st
2023-07-07T06:26:18.686548Z
3 likes, 0 repeats
@graf @Jim 20ish years ago my parents considered ourselves lucky to get 12% so on one hand I'm still laughing at the interest rate panic.On the other, houses have added a 0 to the end of the price, so that still sucks if you don't already have one.
(DIR) Post #AXRV8SOxIaiZPQlRuy by tyler@1611.social
2023-07-07T06:28:11.466424Z
1 likes, 0 repeats
Congratulations on the wife and the house.At least we are not like the Egyptians in Genesis 47.Genesis 47:20And Joseph bought all the land of Egypt for Pharaoh; for the Egyptians sold every man his field, because the famine prevailed over them: so the land became Pharaoh's.Quite literally could be worse!
(DIR) Post #AXRVIZaJRlM4aDtsAa by Jim@poa.st
2023-07-07T06:30:00.704633Z
14 likes, 0 repeats
@MaleGoddess @tyler No clue but it isn't looking great which is why I quit streaming. But I've taken the time to make sure things are in place that once I'm six feet under my wife will be taken care of and not have to worry about scrambling to take care of things.
(DIR) Post #AXRVMK5sz0SdhKSMam by chainsaw_appreciator@nicecrew.digital
2023-07-07T06:30:41.748634Z
2 likes, 0 repeats
"bankers"
(DIR) Post #AXRVQyZGRb5MNqPtMu by MaleGoddess@poa.st
2023-07-07T06:31:32.680282Z
0 likes, 0 repeats
@Jim yeah, buyers and sellers have been fucked for at least the last year.We sold our house and bought a new house, and none of the parties involved were happy with the outcome.We sold our house at 25k less than asking, bought our new house at 15k less than asking.Both at like a 6.25% rate.
(DIR) Post #AXRVWqDYP20ADv3h44 by tyler@1611.social
2023-07-07T06:32:36.360610Z
0 likes, 0 repeats
My grandfather put everything into a trust and that made it a lot easier when he passed.Didn't know you were old/about to die.
(DIR) Post #AXRVifdnYJWwtZyVEm by elftummy@poa.st
2023-07-07T06:34:43.546519Z
5 likes, 0 repeats
@graf @Jim yep. Just did the math today actually on a property I'm buying and convinced the seller to finance it himself because with the interest rate differences between this year and last, I would be paying an extra $130,000 per year just as usury
(DIR) Post #AXRVleCvL2xPJnp9X6 by MaleGoddess@poa.st
2023-07-07T06:35:16.681572Z
0 likes, 0 repeats
@Jim @tylerMan, I'm drunk, and I think while I was drunk another time I wrote you a real long love letter, no-homo, but anyway, I hope you know that you shined brighter than any other candle. I mean, if we're all candles, shining in the void.
(DIR) Post #AXRVsJN9CXX4j6meJ6 by tyler@1611.social
2023-07-07T06:36:28.771448Z
0 likes, 0 repeats
Jim are you 100% sure when you die you'll go to heaven?
(DIR) Post #AXRVsoiqduJJxOAuw4 by Jim@poa.st
2023-07-07T06:36:21.068419Z
10 likes, 0 repeats
@tyler @MaleGoddess Got cancer then a bunch of strange autoimmune issues and it's been downhill since then. Not looking great. Shit happens not much you can do but deal with it as it happens. If I were a wealthy man I'd probably work on setting up a trust or if there was some inheritance issue or something else maybe but just a normal middle class guy. Just want to make sure that she has to deal with the least amount of pressure as possible when I pass; make it as easy as possible.
(DIR) Post #AXRVzc5m03ncoP8fcO by Eiswald@poa.st
2023-07-07T06:37:48.438184Z
4 likes, 0 repeats
@Jim @tyler @MaleGoddess You're a good man, Jim. You better not fucking die on us anytime soon either.
(DIR) Post #AXRWRciRH6EGr2a3u4 by MaleGoddess@poa.st
2023-07-07T06:42:51.525988Z
0 likes, 0 repeats
@tyler @JimMy conception of what the "soul" is, it's what we leave behind, our "memory" that other people hold on to. Some people's souls stay on Earth forever, like Plato and Socrates, while the rest of us last 100 years, tops.That's where God comes into play. Without God, everything we've done is just erased in time. God remembers all, preserves our souls.I don't know about heaven or hell. I just hope to pass with a clear conscience, and that my record is straight.
(DIR) Post #AXRWULl6mDmV8G851k by TheDamageDealingMeatShield@poa.st
2023-07-07T06:40:47.548093Z
4 likes, 0 repeats
@Jim @tyler @MaleGoddess Jim, for whatever its worth, I still listen to your older videos and livestreams for when I need a laugh when at times the world is pressing down. I enjoyed the fact that you never took yourself serious. You are/were just a guy on the Internet mocking the retards of the Internet.
(DIR) Post #AXRWUqmxPOgDMyEUiG by LurkPerry@poa.st
2023-07-07T06:42:28.081849Z
1 likes, 0 repeats
@Jim @MaleGoddess @tyler Just out live the ralphamale for one last W that's all we ask.
(DIR) Post #AXRWoGT49sAGVwBbrk by goofball666@poa.st
2023-07-07T06:46:31.208651Z
1 likes, 0 repeats
@Jim I want to save up for a house, a down payment. Is it even worth it to wait it out, and see if rates go down?
(DIR) Post #AXRWoHTSPu4VdRNR7A by graf@poa.st
2023-07-07T06:46:55.657986Z
2 likes, 0 repeats
@goofball666 @Jim by the time rates go down you could probably save enough to pay for a house ten years ago
(DIR) Post #AXRX2J0pUi6wSafrHM by Jim@poa.st
2023-07-07T06:49:29.041766Z
5 likes, 0 repeats
@goofball666 Well rates will eventually go down and prices will start to stabilize to a more normal value but I don't know how long that will take or if it will happen as the tailend of some kind of massive recession/depression. But saving money and holding off on buying right now seems to be the most sensible approach. The fixed rate APRs available are too punishing and home prices are inflated from where they should be.
(DIR) Post #AXRXyGHjnBX8nVDay0 by goofball666@poa.st
2023-07-07T06:57:14.723881Z
0 likes, 0 repeats
@Jim Thank you sir. I’ll buy your house instead.
(DIR) Post #AXRXyGtfW9sIh8xt5c by Jim@poa.st
2023-07-07T06:59:57.354040Z
2 likes, 0 repeats
@goofball666 I wouldn't lol. When we bought we looked at the value of the home over the last 25 years to see if the asking price was reasonable and where it should be; seemed a tad inflated but not by more than 5k of where it should be. Now the market value is 75k to 100k over where it was just three years ago. Like I said home prices seem way out of wack right now.
(DIR) Post #AXRYeW4XUDjZvHC38q by dalcello@poa.st
2023-07-07T07:07:26.074931Z
2 likes, 2 repeats
@Jim @goofball666 Holy fuck, is that ice poseidon?
(DIR) Post #AXRYl1TzcEYB4vCZGa by goofball666@poa.st
2023-07-07T07:04:37.447721Z
0 likes, 0 repeats
@Jim I got a somewhat off topic question I always wanted to ask: you often would smoke on stream, and I’m presuming in your own home right? Aren’t you worried about it having that yellow shit on the walls?
(DIR) Post #AXRYl2NeHJ4NrXF116 by Jim@poa.st
2023-07-07T07:08:45.399773Z
2 likes, 0 repeats
@goofball666 Well I'd recommend not smoking indoors but I have good ventilation due to a large sliding glass and screen door that's directly adjacent to where I used to stream as well as a nice hepa filtration system / fan system running in the downstairs living room area.
(DIR) Post #AXRbU2ecJ6UFePlWAy by LivingSpaceStudios@poa.st
2023-07-07T07:39:19.740400Z
0 likes, 0 repeats
@goofball666 @Jim You're better off saving all your money to buy houses outright when the real estate market collapses. There's gonna be a lot of urban property that goes on sale for pennies on the dollar when all these metropolitan crap holes start defaulting on everything.Detroit is a good example of just such a thing happening. It used to be good then niggers destroyed everything. Then people were selling their houses for a $100 and a Greyhound ticket. Then all the niggers starting moving to other places to cause trouble. Now it's basically becoming gentrified and it's still way cheaper to live than any of the supposedly "nice" places.
(DIR) Post #AXRbUbLhJR9LFsBP2u by colonelj@freespeechextremist.com
2023-07-07T07:39:26.212244Z
0 likes, 0 repeats
@Jim ya snooze ya lose
(DIR) Post #AXRc4bfNbr6ofGYdbU by goofball666@poa.st
2023-07-07T07:41:18.291671Z
1 likes, 0 repeats
@LivingSpaceStudios @Jim When will it all collapse?
(DIR) Post #AXRc4cU4ZNetCUH7cO by LivingSpaceStudios@poa.st
2023-07-07T07:45:56.031715Z
0 likes, 0 repeats
@goofball666 @Jim It's probably never all going to collapse but every decade or two the "in" and "happening" cities real estate market collapse because the city keeps pandering to niggers and then the properties go cheap. Detroit is on the up and up after decades of nigger bullshit. The San Francisco property market is currently at the start of a freefall collapse. Wait a few years or ten and all of that expensive urban property is gonna be worth chicken feed. Then all the drug addicts and niggers will move somewhere else and it will pick back up.Under Zionist tyranny this financial pattern is a guaranteed cycle, just like the sun rising in the morning.
(DIR) Post #AXRo2b6FwZmjmJwAoS by Griffith@5dollah.click
2023-07-07T10:00:01.157225Z
0 likes, 1 repeats
@Jim it’s okay Jim just live with your parents and save to buy in cash.>inflation kills your savings>asset prices go up foreverOr maybe go build your own shack in the woods like a ligma male and wait out the apocalypse.
(DIR) Post #AXRpkQY6dHUfkeQYcK by Marakus@poa.st
2023-07-07T10:05:10.844461Z
0 likes, 0 repeats
@Griffith @Jim Would be a shame if someone invented property taxes too.
(DIR) Post #AXRpkRSTFia2ZSnZTM by Griffith@5dollah.click
2023-07-07T10:19:08.258299Z
0 likes, 0 repeats
@Marakus @Jim in the old days you could harass the tax collector until he left you alone.
(DIR) Post #AXSAzifnczilLM9vWa by ThatWouldBeTelling@shitposter.club
2023-07-07T14:17:13.942488Z
1 likes, 0 repeats
@Jim You sure this is exceptional, vs. the previous period you celebrate where interest rates were kept artificially way too low? For that matter, these rates are still negative after inflation, but maybe not housing inflation.Also perhaps consider the last time this sort of thing happened starting in August 1979, when Carter got a clue and made (((Paul Volcker))) the Fed chairman after a set of duffers. To help pull us out of a mess that goes back to at least JFK in the early 1960s who began the demonetization of silver, interest rates went up to 20% or a bit more.Very hard times if you were running a business like my parents, and I have to doubt many homes were bought with long term fixed rate mortgages unless the owners planned to pay them off quickly. But better than continuing our 1970s economic tailspin. Today you could say we’re speedrunning the 1970s.Right now the Fed has a mess partly of their own making, except the big trigger was clearly insane “Biden” spending which the GOPe has now endorsed with the debt ceiling deal. The Fed can’t do anything about that, but they’d previously gotten the economy addicted to artificially low interest rates, which for investors like the elderly is https://en.wikipedia.org/wiki/Financial_repression that in any sane scenario has to be weaned off of. Which is going to cause a lot of pain, crushing a number of banks, companies, etc. But you really don’t want to let things advance to hyperinflation, which tends to end systems of government as happened with the Continental Congress before our current (and of course much degraded) system replaced it. And as much as we hate the globohomo USA, I don’t think the way to bet is that a new system will be better.
(DIR) Post #AXSbaM94wiVQzuz6f2 by monsterislandcolonizer@poa.st
2023-07-07T19:15:10.376964Z
1 likes, 0 repeats
@Jim I bought my house a few years ago and if I had to do it now it would be impossible
(DIR) Post #AXSbonqckK8Cy9F1I8 by EmpressElect@poa.st
2023-07-07T19:17:47.316958Z
5 likes, 1 repeats
@Jim
(DIR) Post #AXSbycAr0HZnexNlEe by TheMadPirate@detroitriotcity.com
2023-07-07T19:19:33.416590Z
0 likes, 0 repeats
@Jim Welcome to Bidenomics ! Where inflation is a good thing, interest rates are high and the jews in the Federal Reserve are happy all around !
(DIR) Post #AXSc0huMehd81SfQa8 by Shlomo@poa.st
2023-07-07T19:19:55.975567Z
0 likes, 0 repeats
@Jim i did a random check on a house, 300k evro loan and i have 70k evro without loan. That % is my rates from 3months period to 10 years.
(DIR) Post #AXScl6CYfJ3IgjIZEG by Zettour@gearlandia.haus
2023-07-07T19:28:18.720251Z
0 likes, 0 repeats
@Jim @tyler It's the rate when your government backed loan limit has already been used up, so they know you are buying more than you can afford and charge more to make up for defaults.
(DIR) Post #AXSdFkc6yiRIiBrnqS by sickburnbro@poa.st
2023-07-07T19:33:51.647304Z
0 likes, 0 repeats
@Elbowsmash @graf @Jim sadly this is the kind of pressure that needs to happen in order to snuff speculators and such.It was very easy for people to speculate on prices and pay very very little when they were wrong which overall made prices skyrocket.
(DIR) Post #AXSss6wBvS1wGT0aVU by Wicked_Scott@poa.st
2023-07-07T21:44:11.092325Z
1 likes, 0 repeats
@Jim @tyler @MaleGoddess I've been researching this as I have a serious heart issue. Give everything you want her or anyone else to have as a gift before passing while you are of sound mind.
(DIR) Post #AXSt7LxyKbxPDe6qyu by FargleLarkTheSecond@poa.st
2023-07-07T12:56:10.105227Z
0 likes, 0 repeats
@Jim @tyler @MaleGoddess Don't worry, the lineup of men/theys who have promised to fuck your wife once you are gone is long and diverse. She will be well taken care of for years after.
(DIR) Post #AXSt7MkXQ2nzeGpdgG by MaleGoddess@poa.st
2023-07-07T22:31:37.455380Z
0 likes, 0 repeats
@FargleLarkTheSecond @Jim @tylerI don't know, if you're nearing end of life, and you have a loved one, I wonder how do you balance wanting to take care of them vs not wanting to finance your wife's future boyfriends' vacations. I wouldn't want to leave the ol' lady hanging, but I also wouldn't want her future boyfriend to have a free place to live.
(DIR) Post #AXStbWvs7kzbuwW5y4 by MaleGoddess@poa.st
2023-07-07T22:37:05.075442Z
0 likes, 0 repeats
@FargleLarkTheSecond @Jim @tylerMy aunt was talking about the arrangement her and her husband had between them and their kids. Basically, all her money went to the kids. Each kid possessed a blank check with her signature to pull all her money out the bank the day she died. Some of her life insurance went to her husband, but most to her kids. Her husband also had blank checks out to the kids and the same life insurance policy. He was sitting right there while she was explaining it. She works for a law firm that specializes in wills and trusts.But what if there are no kids? Then what? All your money goes to your widow's adventures with her new boyfriend.
(DIR) Post #AXSviywiZIFyjfaqn2 by Mcpenn0rbutt@poa.st
2023-07-07T23:00:50.633219Z
0 likes, 0 repeats
@Jim @tyler I can't help but suspect the banks are going to try and pull 2008 all over again. Make adjustable rates too low to refuse, spike them, collect house back upon foreclosure, rinse and repeat.
(DIR) Post #AXVboMhWGCmqFUeaVk by FargleLarkTheSecond@poa.st
2023-07-07T23:27:36.707247Z
1 likes, 0 repeats
@MaleGoddess @Jim @tyler I think you hopefully wouldn't be such a petty faggot and if you loved your wife you would hope she could find happiness some day no matter how she found it. Now the way you speak sounds like you removed yourself from having a loved one, so maybe you don't actually know that feeling
(DIR) Post #AXVcBAAn0MmQ3SDPo8 by shaybryder@poa.st
2023-07-07T09:33:42.699664Z
0 likes, 0 repeats
@goofball666 @Jim That shit doesn't just get on the walls Ask anyone at gamestop about a console they got from a smoker and they won't stop venting about how vile the insides of those systems are"Sorry but we can't take this console because it won't boot up. Might have something to do with millimeters of tar coating the entire goddamn board"
(DIR) Post #AXVcBB6ZXX06wfFYsC by CankleMonitor@poa.st
2023-07-07T23:06:37.695096Z
1 likes, 0 repeats
@shaybryder @goofball666 @Jim When I was hardcore collecting retro a few years back, there is no subtle way to do the sniff test for roach piss or smokers. Neither was a full deal breaker, but it was a haggling point.
(DIR) Post #AXZ0mzt4fyRZX4Nmu8 by sandwich@poa.st
2023-07-10T21:25:51.716616Z
1 likes, 1 repeats
@Jim Make no mistake, this is on purpose. They want us in the pods, working in the wage cage so we can barely afford our goyslop made out of mealworms.
(DIR) Post #AXcml8xcOsFSfoJQe0 by CankleMonitor@poa.st
2023-07-07T22:47:48.168732Z
0 likes, 0 repeats
@Jim @goofball666 Have you thought about converting to vape? I went from self rolling to vaping and while I used to be nervous about the batteries, you can buy from Samsung and such instead of Ming's Taxidermy and Batteries.
(DIR) Post #AXcml9oREUV1Jd1byS by RogerFalcon@poa.st
2023-07-12T17:00:54.848290Z
1 likes, 0 repeats
@CankleMonitor @Jim @goofball666 The problems with vapes are that they change the base of the fluid all the time so you have to stay on top of knowing what you’re buying, the coils start burning cotton unbelievably fast and once it’s actually burning instead of evaporating the fluid, it’s worse than smoking, and manufacturers come and go so fast it’s not even worth stockpiling anything. Any time you drop it, that might’ve been the last tank for it you’ll ever see.