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forum cuck in the house
Both sides guy in the house
forum cuck in the house
A recent study claim that fully 50% of the inflation last year or earlier was due to greedflation
The capitalizt oligarchy hiding behind b******* like supply chain problems and the pandemic smoke screen to raise their prices way above what their cost were
Doing health insurance renewals for my company. I pay 100% of employee and family premiums. Increase this year is 40% more for a comparable plan. That is shopped to all rhe major providers. Humana is completely leaving the business health insurance market nationwide because it almost broke them. New (one) family premium is $36,,000 a year.
Last edited by CosmicCowboy; 01-25-2024 at 06:50 PM.
The fact you live in Texas is a big part of this. Seeing no such increases in HI or CA where I cover folks these days (health insurance is surprisingly inexpensive in HI). Both states cheaper than what it used to cost me to cover folks in TX. Family plan in HI and CA cost about 1/3 of what you are quoting above.
Yet, the Nazi's in Ukraine getting it for 0 thru the U.S.A..
The Holocaust, my ass.
Forever red assed
Glad you finally admitted it.
Maybe there's a better way.
never in USA
the capitalist oligarchy has rigged the economy, has corrupted the government and tax laws, so that the capitalist oligarchy is unchallengeable, impregnable,
as with AGW, America is in full decline that is Unstoppable, right into one party fascism
Pish & tosh, kids. We up and gave it to the Nazi's in Ukraine years ago...just-like-that.
It's like anything else:::They that have it, no matter how much of it they have grudge it to those who don't have it, no matter how bad (those) need it.
It's human/American style.
https://www.epi.org/blog/corporate-p...akers-respond/Since the trough of the COVID-19 recession in the second quarter of 2020, overall prices in the NFC sector have risen at an annualized rate of 6.1%—a pronounced acceleration over the 1.8% price growth that characterized the pre-pandemic business cycle of 2007–2019. Strikingly, over half of this increase (53.9%) can be attributed to fatter profit margins, with labor costs contributing less than 8% of this increase. This is not normal. From 1979 to 2019, profits only contributed about 11% to price growth and labor costs over 60%, as shown in Figure A below. Nonlabor inputs—a decent indicator for supply-chain snarls—are also driving up prices more than usual in the current economic recovery.
I call you red assed in almost every thread you start. You know thisGlad you finally admitted it.
He will keep complaining about rising costs as he still remembers when he paid $0.5 a gallon for gasoline.
I remember .17 cents a gallon. Then we let The Shah fall and it ain't been right ever since.
may end up being a moot point in a couple of days, but mind is kind of racing...
just learned on monday that my wife matched into a psychiatry residency (woo!). on friday morning we will find out where. it may keep us where we are in virginia, it may take us elsewhere (including texas).
ultimately, at the end of the 4 year residency, we fully intend to move back to the los angeles area. none of the residency options include the LA area, so we may be in a position where we have to move in a few months to wherever her residency is, and then will be moving yet again 4 years from now to get back to LA (its not because i necessarily love LA that much... i think the city is cool but not worth the price tag, but literally all our family/friends are here and i want my kids to grow up around their grandparents, cousins, etc)
so im grappling w/ the question of what to do re: housing if we do have to move. i currently own our home in virginia and have a cozy 3.5% interest rate. while residency may well keep us in that home, we have have to move, in which case im not quite sure what to do w/ the house.
some very basic numbers:
- loose estimate says that my rental income should exceed my mortgage/tax obligations by approximately 800-900 per month (before i pay some % to a property management company to take care of the day to day stuff)
- if i sold the house today, by some loose estimates, i should be able to walk away with ~150k, mostly due to increased property value
do i...
a) keep our house, rent it out... and then rent a house in the new city? are the headaches associated with rentals worth it in your experience?
b) sell the house, use much of those proceeds as a down payment to buy a house in the new city (feels less optimal since im pretty sure i wont be living there more than 4 years and will almost certainly have to sell that home when moving to LA later)
c) sell the house, put the proceeds in some other investment mechanism/portfolio (but more liquid than keeping it in the form of a house which may be vulnerable to price swings, recession, etc) and just rent a house for 4 years at which point i'd be making a more permanent relocation to LA
i know i shouldnt be fretting too much until we find out where residency is (in 2 days lol), but cant help myself
Last edited by spurraider21; 03-13-2024 at 08:26 PM.
Slow down and just saturate in it, 21. Set a dye marker, so in the future when your news ain't happy, when it's sad you'll easily spot this marker and remember.may end up being a moot point in a couple of days, but mind is kind of racing...
just learned on monday that my wife matched into a psychiatry residency (woo!). on friday morning we will find out where. it may keep us where we are in virginia, it may take us elsewhere (including texas).
ultimately, at the end of the 4 year residency, we fully intend to move back to the los angeles area. none of the residency options include the LA area, so we may be in a position where we have to move in a few months to wherever her residency is, and then will be moving yet again 4 years from now to get back to LA (its not because i necessarily love LA that much... i think the city is cool but not worth the price tag, but literally all our family/friends are here and i want my kids to grow up around their grandparents, cousins, etc)
so im grappling w/ the question of what to do re: housing if we do have to move. i currently own our home in virginia and have a cozy 3.5% interest rate. while residency may well keep us in that home, we have have to move, in which case im not quite sure what to do w/ the house.
some very basic numbers:
- loose estimate says that my rental income should exceed my mortgage/tax obligations by approximately 800-900 per month (before i pay some % to a property management company to take care of the day to day stuff)
- if i sold the house today, by some loose estimates, i should be able to walk away with ~150k, mostly due to increased property value
do i...
a) keep our house, rent it out... and then rent a house in the new city? are the headaches associated with rentals worth it in your experience?
b) sell the house, use much of those proceeds as a down payment to buy a house in the new city (feels less optimal since im pretty sure i wont be living there more than 4 years and will almost certainly have to sell that home when moving to LA later)
c) sell the house, put the proceeds in some other investment mechanism/portfolio (but more liquid than keeping it in the form of a house which may be vulnerable to price swings, recession, etc) and just rent a house for 4 years at which point i'd be making a more permanent relocation to LA
i know i shouldnt be fretting too much until we find out where residency is (in 2 days lol), but cant help myself
Congratulations, 21, to you both.
Currently on vacation and don’t have my laptop with the block tool, so I’m actually able to view your posts.
are you still just spamming Putin and Trump pictures or are you back to engaging in conversation?
After a week's suspension I'm back engaging in conversation.
His new spam is saying Trump made president.
lmcontrollinao!!!
Given your scenario I would probably rent or VRBO the existing house for 3-4 years using a reputable property manager. You can continue to build equity nd the house will continue to appreciate while you clear a few hundred a month to apply to rent in your new location. I wouldn't buy another house just for 4 years. Then sell the house when your wife is almost through with her residency and apply it to your new house in LA. My reasoning on renting is that besides closing costs on purchasing, interest is always front loaded on mortgages so you wouldn't really build any equity in just 4 years.may end up being a moot point in a couple of days, but mind is kind of racing...
just learned on monday that my wife matched into a psychiatry residency (woo!). on friday morning we will find out where. it may keep us where we are in virginia, it may take us elsewhere (including texas).
ultimately, at the end of the 4 year residency, we fully intend to move back to the los angeles area. none of the residency options include the LA area, so we may be in a position where we have to move in a few months to wherever her residency is, and then will be moving yet again 4 years from now to get back to LA (its not because i necessarily love LA that much... i think the city is cool but not worth the price tag, but literally all our family/friends are here and i want my kids to grow up around their grandparents, cousins, etc)
so im grappling w/ the question of what to do re: housing if we do have to move. i currently own our home in virginia and have a cozy 3.5% interest rate. while residency may well keep us in that home, we have have to move, in which case im not quite sure what to do w/ the house.
some very basic numbers:
- loose estimate says that my rental income should exceed my mortgage/tax obligations by approximately 800-900 per month (before i pay some % to a property management company to take care of the day to day stuff)
- if i sold the house today, by some loose estimates, i should be able to walk away with ~150k, mostly due to increased property value
do i...
a) keep our house, rent it out... and then rent a house in the new city? are the headaches associated with rentals worth it in your experience?
b) sell the house, use much of those proceeds as a down payment to buy a house in the new city (feels less optimal since im pretty sure i wont be living there more than 4 years and will almost certainly have to sell that home when moving to LA later)
c) sell the house, put the proceeds in some other investment mechanism/portfolio (but more liquid than keeping it in the form of a house which may be vulnerable to price swings, recession, etc) and just rent a house for 4 years at which point i'd be making a more permanent relocation to LA
i know i shouldnt be fretting too much until we find out where residency is (in 2 days lol), but cant help myself
If you are willing to take more risk for higher return then you could sell the house and put the profit into the stock market...selective socks have been performing really well this year. You could potentially get a much higher return on the 150K than holding the house for another 4 years but there is always the possibility of losing principal too...
Last edited by CosmicCowboy; 03-14-2024 at 10:58 AM.
Rent my house out + rent in new city was kind of my default position. I’ve heard some horror stories about renting out properties though. By my margin on rent income vs mortgage obligation is pretty good so seems dumb to pass it up. There’s a concern that the value of the property could be subject to all kinds of forces over the next few years if there’s a notable recession or something but i guess same could be said if i put those funds in the market anyway (though realistically I’d have it in some combination of investments including some in safe performing CD/treasuries etc to mitigate risk)
There's gonna be one of these "notable recession" just as sure as the turnin' of the earth. You can feel it comin'.
Yeah there are horror stories but if you use a reputable property manager they should be able to reasonably qualify the renters based on credit history, past rental referrals, etc.
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