America’s March to Facism

Bentleyspop

Halifax2TheMax said:

Lerxst1992 said:

Halifax2TheMax said:

 * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

In ‘Murikkka.

https://www.instagram.com/reel/DPY2Q1tjYf_/?igsh=cHo3MnQxanMydnZz

Google is very impressed with your posting style here.

“ Yes, deflection, mocking, and topic avoidance can be powerful tools used by fascist and authoritarian movements
. By manipulating communication and information, these tactics dismantle reasoned debate, create a state of "unreality," and enforce a personality cult around a strong leader. “

Only thing missing for your movement of course is the strong leader part

  * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

Sorry, but no. This is what authoritarianism looks like. From Letter From An American, just another media anecdote.

On Saturday afternoon, Miller posted: “The issue before us now is very simple and clear. There is a large and growing movement of leftwing terrorism in this country. It is well organized and funded. And it is shielded by far-left Democrat judges, prosecutors and attorneys general. The only remedy is to use legitimate state power to dismantle terrorism and terror networks.” 

He is just your run of the mill retRUmplican fearmonger. He knows he can say anything he wants. No matter how far-fetched, idiotic,  or ridiculous and the brainwashed maga cultists will believe it and parrot it.

Lerxst1992

Halifax2TheMax said:

Lerxst1992 said:

Halifax2TheMax said:

 * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

In ‘Murikkka.

https://www.instagram.com/reel/DPY2Q1tjYf_/?igsh=cHo3MnQxanMydnZz

Google is very impressed with your posting style here.

“ Yes, deflection, mocking, and topic avoidance can be powerful tools used by fascist and authoritarian movements
. By manipulating communication and information, these tactics dismantle reasoned debate, create a state of "unreality," and enforce a personality cult around a strong leader. “

Only thing missing for your movement of course is the strong leader part

  * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

Sorry, but no. This is what authoritarianism looks like. From Letter From An American, just another media anecdote.

On Saturday afternoon, Miller posted: “The issue before us now is very simple and clear. There is a large and growing movement of leftwing terrorism in this country. It is well organized and funded. And it is shielded by far-left Democrat judges, prosecutors and attorneys general. The only remedy is to use legitimate state power to dismantle terrorism and terror networks.” 

Miller is an extremist for sure, but that shouldn’t give the left reason to chose far left solutions in the financial capital of the world, where employers can escape high taxes if five minutes moving across the river….

the dems have their version of organized authoritarianism. Perhaps our potentially new chief of cbs news history can elaborate what my party has been up to…per vox…

” Tensions came to a head in summer 2020, when the opinion section’s top editor, James Bennet, was forced out after staffers went public to claim that an op-ed he had run had put Black staffers in danger. Not long afterward, Weiss quit too, posting her resignation letter denouncing Times culture

on her website. “My own forays into Wrongthink have made me the subject of constant bullying by colleagues who disagree with my views,” she wrote.

Weiss went to Substack, a platform on which many “anti-woke” newsletters thrived. Frustration with wokeness and “cancel culture” was a powerful bonding agent: many people felt they’d been socially ostracized or had to self-censor, and they were tired of it. Before long, Weiss — who had called herself a centrist and said she voted for Joe Biden in 2020 — was making common cause with conservative activists like Christopher Rufo. They had common enemies.”

…

ostracized? Mocked to avoid reasoned debate? We could substitute AMT for NYT

Tim Simmons

I wish I could live in the world where “the left” is the worst thing about it

Tim Simmons

Bari Weiss is a grifter. Was severely dunked on for bad takes, got butthurt about it, and failed upward. Congrats on her new job of making news for olds

Lerxst1992

Tim Simmons said:

Bari Weiss is a grifter. Was severely dunked on for bad takes, got butthurt about it, and failed upward. Congrats on her new job of making news for olds

She is lying about why she left the times? I mean, you don’t see what she says happened to her right here  on this forum? 

It’s not a joke that you can watch your budget and come up with $48 per week and use the tax tools currently available to solve the affordability problem and build wealth without resorting to socialism in nyc? Or that housing costs now are actually very comparable to the 80s and 90s? We can’t even have a reasonable discussion about that on this forum without centrists being ridiculed.

 But it’s the conservatives that are stupid.

PJ_Soul

static111 said:

PJ_Soul said:

I wish I could click on all these social media posts to see what you're talking about, kinda, but I've dropped all social media, which is amazing. 

Good for you!  This forum is my last  remaining social media. 

Oh, yeah, me too, haha. I wasn't even thinking of this place as social media! 

PJ_Soul

Bentleyspop said:

Halifax2TheMax said:

Lerxst1992 said:

Halifax2TheMax said:

 * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

In ‘Murikkka.

https://www.instagram.com/reel/DPY2Q1tjYf_/?igsh=cHo3MnQxanMydnZz

Google is very impressed with your posting style here.

“ Yes, deflection, mocking, and topic avoidance can be powerful tools used by fascist and authoritarian movements
. By manipulating communication and information, these tactics dismantle reasoned debate, create a state of "unreality," and enforce a personality cult around a strong leader. “

Only thing missing for your movement of course is the strong leader part

  * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

Sorry, but no. This is what authoritarianism looks like. From Letter From An American, just another media anecdote.

On Saturday afternoon, Miller posted: “The issue before us now is very simple and clear. There is a large and growing movement of leftwing terrorism in this country. It is well organized and funded. And it is shielded by far-left Democrat judges, prosecutors and attorneys general. The only remedy is to use legitimate state power to dismantle terrorism and terror networks.” 

He is just your run of the mill retRUmplican fearmonger. He knows he can say anything he wants. No matter how far-fetched, idiotic,  or ridiculous and the brainwashed maga cultists will believe it and parrot it.

I think you should take it a lot more seriously than that. 

Gern Blansten

Yeah Miller seems to be wanting more attention. He used to just operate behind the scenes but he's been pretty vocal lately.

Tim Simmons

Will need a talking head job at a conservative outlet at some point. 

Halifax2TheMax

Lerxst1992 said:

Tim Simmons said:

Bari Weiss is a grifter. Was severely dunked on for bad takes, got butthurt about it, and failed upward. Congrats on her new job of making news for olds

She is lying about why she left the times? I mean, you don’t see what she says happened to her right here  on this forum? 

It’s not a joke that you can watch your budget and come up with $48 per week and use the tax tools currently available to solve the affordability problem and build wealth without resorting to socialism in nyc? Or that housing costs now are actually very comparable to the 80s and 90s? We can’t even have a reasonable discussion about that on this forum without centrists being ridiculed.

 But it’s the conservatives that are stupid.

 * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

AI tells me that you’re lying.

U.S. housing costs have increased dramatically by decade, with prices rising faster than wages, leading to greater unaffordability. For example, the median U.S. home price rose from $47,200 in 1980 to $119,600 in 2000 and $416,900 by 2025, while the median household income grew at a slower rate. This trend is reflected in the rising price-to-income ratio, which measures how many years of median income it takes to buy a home. 

Historical Home Prices and Income Trends

• 1980s: 

  The median home price was $47,200 in 1980 and rose to $82,800 by the mid-1980s, with a price-to-income ratio of 3.51 in 1985. 

1990s: 

The median sales price increased to $119,600 by 2000, after reaching $79,100 in 1990. 

2000s: 

A significant increase occurred, with the median home price in 2005 reaching $232,500, followed by a decline in the latter half of the decade. 

2010s: 

Prices began to rebound after hitting a low in 2012, eventually increasing by about 5% annually over the decade. 

2020s: 

Prices saw substantial growth, with the median home price reaching approximately $416,900 by 2025, an increase of about 25% in just three years (2020-2023). 

brianlux

Halifax2TheMax said:

Lerxst1992 said:

Halifax2TheMax said:

 * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

In ‘Murikkka.

https://www.instagram.com/reel/DPY2Q1tjYf_/?igsh=cHo3MnQxanMydnZz

Google is very impressed with your posting style here.

“ Yes, deflection, mocking, and topic avoidance can be powerful tools used by fascist and authoritarian movements
. By manipulating communication and information, these tactics dismantle reasoned debate, create a state of "unreality," and enforce a personality cult around a strong leader. “

Only thing missing for your movement of course is the strong leader part

  * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

Sorry, but no. This is what authoritarianism looks like. From Letter From An American, just another media anecdote.

On Saturday afternoon, Miller posted: “The issue before us now is very simple and clear. There is a large and growing movement of leftwing terrorism in this country. It is well organized and funded. And it is shielded by far-left Democrat judges, prosecutors and attorneys general. The only remedy is to use legitimate state power to dismantle terrorism and terror networks.” 

Miller... urgh! 

♫  Off we go, into the wild fascist yonder...   ♫

brianlux

P.S.  Why is the emoji in my post above microscopic in size?  This new format...  urgh again!

Lerxst1992

Halifax2TheMax said:

Lerxst1992 said:

Tim Simmons said:

Bari Weiss is a grifter. Was severely dunked on for bad takes, got butthurt about it, and failed upward. Congrats on her new job of making news for olds

She is lying about why she left the times? I mean, you don’t see what she says happened to her right here  on this forum? 

It’s not a joke that you can watch your budget and come up with $48 per week and use the tax tools currently available to solve the affordability problem and build wealth without resorting to socialism in nyc? Or that housing costs now are actually very comparable to the 80s and 90s? We can’t even have a reasonable discussion about that on this forum without centrists being ridiculed.

 But it’s the conservatives that are stupid.

 * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

AI tells me that you’re lying.

U.S. housing costs have increased dramatically by decade, with prices rising faster than wages, leading to greater unaffordability. For example, the median U.S. home price rose from $47,200 in 1980 to $119,600 in 2000 and $416,900 by 2025, while the median household income grew at a slower rate. This trend is reflected in the rising price-to-income ratio, which measures how many years of median income it takes to buy a home. 

Historical Home Prices and Income Trends

• 1980s: 

  The median home price was $47,200 in 1980 and rose to $82,800 by the mid-1980s, with a price-to-income ratio of 3.51 in 1985. 
• 1990s: 

  The median sales price increased to $119,600 by 2000, after reaching $79,100 in 1990. 
• 2000s: 

  A significant increase occurred, with the median home price in 2005 reaching $232,500, followed by a decline in the latter half of the decade. 
• 2010s: 

  Prices began to rebound after hitting a low in 2012, eventually increasing by about 5% annually over the decade. 
• 2020s: 

  Prices saw substantial growth, with the median home price reaching approximately $416,900 by 2025, an increase of about 25% in just three years (2020-2023). 

Lying? Where does your ai excerpt say that?Are you capable of reasoned debate and discussion?


after going back and forth multiple times, and I point out repeatedly how important mortgage rates are in the determination of housing cost, is this comment of yours honest? AI disagrees…


…

” It's a massive omission to ignore interest rates in the calculation of total housing costs, potentially leading to an extremely inaccurate and misleading figure. For most homeowners who use a mortgage, interest payments make up a substantial portion—often the largest single component—of their total expense over the life of the loan.

Halifax2TheMax

Lerxst1992 said:

Halifax2TheMax said:

Lerxst1992 said:

Tim Simmons said:

Bari Weiss is a grifter. Was severely dunked on for bad takes, got butthurt about it, and failed upward. Congrats on her new job of making news for olds

She is lying about why she left the times? I mean, you don’t see what she says happened to her right here  on this forum? 

It’s not a joke that you can watch your budget and come up with $48 per week and use the tax tools currently available to solve the affordability problem and build wealth without resorting to socialism in nyc? Or that housing costs now are actually very comparable to the 80s and 90s? We can’t even have a reasonable discussion about that on this forum without centrists being ridiculed.

 But it’s the conservatives that are stupid.

 * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

AI tells me that you’re lying.

U.S. housing costs have increased dramatically by decade, with prices rising faster than wages, leading to greater unaffordability. For example, the median U.S. home price rose from $47,200 in 1980 to $119,600 in 2000 and $416,900 by 2025, while the median household income grew at a slower rate. This trend is reflected in the rising price-to-income ratio, which measures how many years of median income it takes to buy a home. 

Historical Home Prices and Income Trends

• 1980s: 

  The median home price was $47,200 in 1980 and rose to $82,800 by the mid-1980s, with a price-to-income ratio of 3.51 in 1985. 
• 1990s: 

  The median sales price increased to $119,600 by 2000, after reaching $79,100 in 1990. 
• 2000s: 

  A significant increase occurred, with the median home price in 2005 reaching $232,500, followed by a decline in the latter half of the decade. 
• 2010s: 

  Prices began to rebound after hitting a low in 2012, eventually increasing by about 5% annually over the decade. 
• 2020s: 

  Prices saw substantial growth, with the median home price reaching approximately $416,900 by 2025, an increase of about 25% in just three years (2020-2023). 

Lying? Where does your ai excerpt say that?Are you capable of reasoned debate and discussion?


after going back and forth multiple times, and I point out repeatedly how important mortgage rates are in the determination of housing cost, is this comment of yours honest? AI disagrees…


…

” It's a massive omission to ignore interest rates in the calculation of total housing costs, potentially leading to an extremely inaccurate and misleading figure. For most homeowners who use a mortgage, interest payments make up a substantial portion—often the largest single component—of their total expense over the life of the loan.

* The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

You used the interest rate from 1985 on the housing cost of 2025, while using the interest rate of today on today’s housing cost, and a 40 year mortgage. This comparison somehow shows that millennials can afford a $400K+ house for only $200K+. Bunk.

Your math is fuzzy. Got a stock tip?

Lerxst1992

Halifax2TheMax said:

Lerxst1992 said:

Halifax2TheMax said:

Lerxst1992 said:

Tim Simmons said:

Bari Weiss is a grifter. Was severely dunked on for bad takes, got butthurt about it, and failed upward. Congrats on her new job of making news for olds

She is lying about why she left the times? I mean, you don’t see what she says happened to her right here  on this forum? 

It’s not a joke that you can watch your budget and come up with $48 per week and use the tax tools currently available to solve the affordability problem and build wealth without resorting to socialism in nyc? Or that housing costs now are actually very comparable to the 80s and 90s? We can’t even have a reasonable discussion about that on this forum without centrists being ridiculed.

 But it’s the conservatives that are stupid.

 * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

AI tells me that you’re lying.

U.S. housing costs have increased dramatically by decade, with prices rising faster than wages, leading to greater unaffordability. For example, the median U.S. home price rose from $47,200 in 1980 to $119,600 in 2000 and $416,900 by 2025, while the median household income grew at a slower rate. This trend is reflected in the rising price-to-income ratio, which measures how many years of median income it takes to buy a home. 

Historical Home Prices and Income Trends

• 1980s: 

  The median home price was $47,200 in 1980 and rose to $82,800 by the mid-1980s, with a price-to-income ratio of 3.51 in 1985. 
• 1990s: 

  The median sales price increased to $119,600 by 2000, after reaching $79,100 in 1990. 
• 2000s: 

  A significant increase occurred, with the median home price in 2005 reaching $232,500, followed by a decline in the latter half of the decade. 
• 2010s: 

  Prices began to rebound after hitting a low in 2012, eventually increasing by about 5% annually over the decade. 
• 2020s: 

  Prices saw substantial growth, with the median home price reaching approximately $416,900 by 2025, an increase of about 25% in just three years (2020-2023). 

Lying? Where does your ai excerpt say that?Are you capable of reasoned debate and discussion?


after going back and forth multiple times, and I point out repeatedly how important mortgage rates are in the determination of housing cost, is this comment of yours honest? AI disagrees…


…

” It's a massive omission to ignore interest rates in the calculation of total housing costs, potentially leading to an extremely inaccurate and misleading figure. For most homeowners who use a mortgage, interest payments make up a substantial portion—often the largest single component—of their total expense over the life of the loan.

* The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

You used the interest rate from 1985 on the housing cost of 2025, while using the interest rate of today on today’s housing cost, and a 40 year mortgage. This comparison somehow shows that millennials can afford a $400K+ house for only $200K+. Bunk.

Your math is fuzzy. Got a stock tip?

 I never said that bit about the 200k, you are twisting words to feed your lame jokes and put downs. What I was likely talking about was the time value of money which apparently is not a concept understood on this forum, unless Matt ever comes back


 
Static at least had the courage to provide their own mathematics ( which was almost perfect) calculating total mortgage costs for the average price of a home 1985 versus 2025 using the applicable interest rate for each year, applied against the  home price for each, the one thing they did not do was account for the 40 years time difference. Of course they refused to continue the discussion once I pointed out what it was missing. Once doing that the present value of both mortgage streams are extremely similar. 

Tip?
I knew all about Larry Ellison before Matt Cameron joined this band. There's your tip.

Halifax2TheMax

Lerxst1992 said:

Halifax2TheMax said:

Lerxst1992 said:

Halifax2TheMax said:

Lerxst1992 said:

Tim Simmons said:

Bari Weiss is a grifter. Was severely dunked on for bad takes, got butthurt about it, and failed upward. Congrats on her new job of making news for olds

She is lying about why she left the times? I mean, you don’t see what she says happened to her right here  on this forum? 

It’s not a joke that you can watch your budget and come up with $48 per week and use the tax tools currently available to solve the affordability problem and build wealth without resorting to socialism in nyc? Or that housing costs now are actually very comparable to the 80s and 90s? We can’t even have a reasonable discussion about that on this forum without centrists being ridiculed.

 But it’s the conservatives that are stupid.

 * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

AI tells me that you’re lying.

U.S. housing costs have increased dramatically by decade, with prices rising faster than wages, leading to greater unaffordability. For example, the median U.S. home price rose from $47,200 in 1980 to $119,600 in 2000 and $416,900 by 2025, while the median household income grew at a slower rate. This trend is reflected in the rising price-to-income ratio, which measures how many years of median income it takes to buy a home. 

Historical Home Prices and Income Trends

• 1980s: 

  The median home price was $47,200 in 1980 and rose to $82,800 by the mid-1980s, with a price-to-income ratio of 3.51 in 1985. 
• 1990s: 

  The median sales price increased to $119,600 by 2000, after reaching $79,100 in 1990. 
• 2000s: 

  A significant increase occurred, with the median home price in 2005 reaching $232,500, followed by a decline in the latter half of the decade. 
• 2010s: 

  Prices began to rebound after hitting a low in 2012, eventually increasing by about 5% annually over the decade. 
• 2020s: 

  Prices saw substantial growth, with the median home price reaching approximately $416,900 by 2025, an increase of about 25% in just three years (2020-2023). 

Lying? Where does your ai excerpt say that?Are you capable of reasoned debate and discussion?


after going back and forth multiple times, and I point out repeatedly how important mortgage rates are in the determination of housing cost, is this comment of yours honest? AI disagrees…


…

” It's a massive omission to ignore interest rates in the calculation of total housing costs, potentially leading to an extremely inaccurate and misleading figure. For most homeowners who use a mortgage, interest payments make up a substantial portion—often the largest single component—of their total expense over the life of the loan.

* The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

You used the interest rate from 1985 on the housing cost of 2025, while using the interest rate of today on today’s housing cost, and a 40 year mortgage. This comparison somehow shows that millennials can afford a $400K+ house for only $200K+. Bunk.

Your math is fuzzy. Got a stock tip?

 I never said that bit about the 200k, you are twisting words to feed your lame jokes and put downs. What I was likely talking about was the time value of money which apparently is not a concept understood on this forum, unless Matt ever comes back


 
Static at least had the courage to provide their own mathematics ( which was almost perfect) calculating total mortgage costs for the average price of a home 1985 versus 2025 using the applicable interest rate for each year, applied against the  home price for each, the one thing they did not do was account for the 40 years time difference. Of course they refused to continue the discussion once I pointed out what it was missing. Once doing that the present value of both mortgage streams are extremely similar. 

Tip?
I knew all about Larry Ellison before Matt Cameron joined this band. There's your tip.

  * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

While failing to acknowledge that the median price of a house increased 25% in the three years of 2022-2025. Wages did not keep track with that increase but if millennials just cut out 7 Starbucks, a happy meal or two and a few streaming/subscription services, and invest that money in the stock market, they too can buy a house. That must be why the median age of first time home buyers has increased to 38, the highest it’s been since being tracked, eh?

Edgy.

Lerxst1992

Halifax2TheMax said:

Lerxst1992 said:

Halifax2TheMax said:

Lerxst1992 said:

Halifax2TheMax said:

Lerxst1992 said:

Tim Simmons said:

Bari Weiss is a grifter. Was severely dunked on for bad takes, got butthurt about it, and failed upward. Congrats on her new job of making news for olds

She is lying about why she left the times? I mean, you don’t see what she says happened to her right here  on this forum? 

It’s not a joke that you can watch your budget and come up with $48 per week and use the tax tools currently available to solve the affordability problem and build wealth without resorting to socialism in nyc? Or that housing costs now are actually very comparable to the 80s and 90s? We can’t even have a reasonable discussion about that on this forum without centrists being ridiculed.

 But it’s the conservatives that are stupid.

 * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

AI tells me that you’re lying.

U.S. housing costs have increased dramatically by decade, with prices rising faster than wages, leading to greater unaffordability. For example, the median U.S. home price rose from $47,200 in 1980 to $119,600 in 2000 and $416,900 by 2025, while the median household income grew at a slower rate. This trend is reflected in the rising price-to-income ratio, which measures how many years of median income it takes to buy a home. 

Historical Home Prices and Income Trends

• 1980s: 

  The median home price was $47,200 in 1980 and rose to $82,800 by the mid-1980s, with a price-to-income ratio of 3.51 in 1985. 
• 1990s: 

  The median sales price increased to $119,600 by 2000, after reaching $79,100 in 1990. 
• 2000s: 

  A significant increase occurred, with the median home price in 2005 reaching $232,500, followed by a decline in the latter half of the decade. 
• 2010s: 

  Prices began to rebound after hitting a low in 2012, eventually increasing by about 5% annually over the decade. 
• 2020s: 

  Prices saw substantial growth, with the median home price reaching approximately $416,900 by 2025, an increase of about 25% in just three years (2020-2023). 

Lying? Where does your ai excerpt say that?Are you capable of reasoned debate and discussion?


after going back and forth multiple times, and I point out repeatedly how important mortgage rates are in the determination of housing cost, is this comment of yours honest? AI disagrees…


…

” It's a massive omission to ignore interest rates in the calculation of total housing costs, potentially leading to an extremely inaccurate and misleading figure. For most homeowners who use a mortgage, interest payments make up a substantial portion—often the largest single component—of their total expense over the life of the loan.

* The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

You used the interest rate from 1985 on the housing cost of 2025, while using the interest rate of today on today’s housing cost, and a 40 year mortgage. This comparison somehow shows that millennials can afford a $400K+ house for only $200K+. Bunk.

Your math is fuzzy. Got a stock tip?

 I never said that bit about the 200k, you are twisting words to feed your lame jokes and put downs. What I was likely talking about was the time value of money which apparently is not a concept understood on this forum, unless Matt ever comes back


 
Static at least had the courage to provide their own mathematics ( which was almost perfect) calculating total mortgage costs for the average price of a home 1985 versus 2025 using the applicable interest rate for each year, applied against the  home price for each, the one thing they did not do was account for the 40 years time difference. Of course they refused to continue the discussion once I pointed out what it was missing. Once doing that the present value of both mortgage streams are extremely similar. 

Tip?
I knew all about Larry Ellison before Matt Cameron joined this band. There's your tip.

  * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

While failing to acknowledge that the median price of a house increased 25% in the three years of 2022-2025. Wages did not keep track with that increase but if millennials just cut out 7 Starbucks, a happy meal or two and a few streaming/subscription services, and invest that money in the stock market, they too can buy a house. That must be why the median age of first time home buyers has increased to 38, the highest it’s been since being tracked, eh?

Edgy.

 your obfuscating again and hiding behind humor.



Take interest rate and cost for each year and calculate the mortgage. Again... static did this correctly but failed to account for the time value of money

Halifax2TheMax

Lerxst1992 said:

Halifax2TheMax said:

Lerxst1992 said:

Halifax2TheMax said:

Lerxst1992 said:

Halifax2TheMax said:

Lerxst1992 said:

Tim Simmons said:

Bari Weiss is a grifter. Was severely dunked on for bad takes, got butthurt about it, and failed upward. Congrats on her new job of making news for olds

She is lying about why she left the times? I mean, you don’t see what she says happened to her right here  on this forum? 

It’s not a joke that you can watch your budget and come up with $48 per week and use the tax tools currently available to solve the affordability problem and build wealth without resorting to socialism in nyc? Or that housing costs now are actually very comparable to the 80s and 90s? We can’t even have a reasonable discussion about that on this forum without centrists being ridiculed.

 But it’s the conservatives that are stupid.

 * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

AI tells me that you’re lying.

U.S. housing costs have increased dramatically by decade, with prices rising faster than wages, leading to greater unaffordability. For example, the median U.S. home price rose from $47,200 in 1980 to $119,600 in 2000 and $416,900 by 2025, while the median household income grew at a slower rate. This trend is reflected in the rising price-to-income ratio, which measures how many years of median income it takes to buy a home. 

Historical Home Prices and Income Trends

• 1980s: 

  The median home price was $47,200 in 1980 and rose to $82,800 by the mid-1980s, with a price-to-income ratio of 3.51 in 1985. 
• 1990s: 

  The median sales price increased to $119,600 by 2000, after reaching $79,100 in 1990. 
• 2000s: 

  A significant increase occurred, with the median home price in 2005 reaching $232,500, followed by a decline in the latter half of the decade. 
• 2010s: 

  Prices began to rebound after hitting a low in 2012, eventually increasing by about 5% annually over the decade. 
• 2020s: 

  Prices saw substantial growth, with the median home price reaching approximately $416,900 by 2025, an increase of about 25% in just three years (2020-2023). 

Lying? Where does your ai excerpt say that?Are you capable of reasoned debate and discussion?


after going back and forth multiple times, and I point out repeatedly how important mortgage rates are in the determination of housing cost, is this comment of yours honest? AI disagrees…


…

” It's a massive omission to ignore interest rates in the calculation of total housing costs, potentially leading to an extremely inaccurate and misleading figure. For most homeowners who use a mortgage, interest payments make up a substantial portion—often the largest single component—of their total expense over the life of the loan.

* The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

You used the interest rate from 1985 on the housing cost of 2025, while using the interest rate of today on today’s housing cost, and a 40 year mortgage. This comparison somehow shows that millennials can afford a $400K+ house for only $200K+. Bunk.

Your math is fuzzy. Got a stock tip?

 I never said that bit about the 200k, you are twisting words to feed your lame jokes and put downs. What I was likely talking about was the time value of money which apparently is not a concept understood on this forum, unless Matt ever comes back


 
Static at least had the courage to provide their own mathematics ( which was almost perfect) calculating total mortgage costs for the average price of a home 1985 versus 2025 using the applicable interest rate for each year, applied against the  home price for each, the one thing they did not do was account for the 40 years time difference. Of course they refused to continue the discussion once I pointed out what it was missing. Once doing that the present value of both mortgage streams are extremely similar. 

Tip?
I knew all about Larry Ellison before Matt Cameron joined this band. There's your tip.

  * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

While failing to acknowledge that the median price of a house increased 25% in the three years of 2022-2025. Wages did not keep track with that increase but if millennials just cut out 7 Starbucks, a happy meal or two and a few streaming/subscription services, and invest that money in the stock market, they too can buy a house. That must be why the median age of first time home buyers has increased to 38, the highest it’s been since being tracked, eh?

Edgy.

 your obfuscating again and hiding behind humor.



Take interest rate and cost for each year and calculate the mortgage. Again... static did this correctly but failed to account for the time value of money

 * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

You're still not making sense.

static111

Lerxst1992 said:

Halifax2TheMax said:

Lerxst1992 said:

Halifax2TheMax said:

Lerxst1992 said:

Tim Simmons said:

Bari Weiss is a grifter. Was severely dunked on for bad takes, got butthurt about it, and failed upward. Congrats on her new job of making news for olds

She is lying about why she left the times? I mean, you don’t see what she says happened to her right here  on this forum? 

It’s not a joke that you can watch your budget and come up with $48 per week and use the tax tools currently available to solve the affordability problem and build wealth without resorting to socialism in nyc? Or that housing costs now are actually very comparable to the 80s and 90s? We can’t even have a reasonable discussion about that on this forum without centrists being ridiculed.

 But it’s the conservatives that are stupid.

 * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

AI tells me that you’re lying.

U.S. housing costs have increased dramatically by decade, with prices rising faster than wages, leading to greater unaffordability. For example, the median U.S. home price rose from $47,200 in 1980 to $119,600 in 2000 and $416,900 by 2025, while the median household income grew at a slower rate. This trend is reflected in the rising price-to-income ratio, which measures how many years of median income it takes to buy a home. 

Historical Home Prices and Income Trends

• 1980s: 

  The median home price was $47,200 in 1980 and rose to $82,800 by the mid-1980s, with a price-to-income ratio of 3.51 in 1985. 
• 1990s: 

  The median sales price increased to $119,600 by 2000, after reaching $79,100 in 1990. 
• 2000s: 

  A significant increase occurred, with the median home price in 2005 reaching $232,500, followed by a decline in the latter half of the decade. 
• 2010s: 

  Prices began to rebound after hitting a low in 2012, eventually increasing by about 5% annually over the decade. 
• 2020s: 

  Prices saw substantial growth, with the median home price reaching approximately $416,900 by 2025, an increase of about 25% in just three years (2020-2023). 

Lying? Where does your ai excerpt say that?Are you capable of reasoned debate and discussion?


after going back and forth multiple times, and I point out repeatedly how important mortgage rates are in the determination of housing cost, is this comment of yours honest? AI disagrees…


…

” It's a massive omission to ignore interest rates in the calculation of total housing costs, potentially leading to an extremely inaccurate and misleading figure. For most homeowners who use a mortgage, interest payments make up a substantial portion—often the largest single component—of their total expense over the life of the loan.

* The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

You used the interest rate from 1985 on the housing cost of 2025, while using the interest rate of today on today’s housing cost, and a 40 year mortgage. This comparison somehow shows that millennials can afford a $400K+ house for only $200K+. Bunk.

Your math is fuzzy. Got a stock tip?

 I never said that bit about the 200k, you are twisting words to feed your lame jokes and put downs. What I was likely talking about was the time value of money which apparently is not a concept understood on this forum, unless Matt ever comes back


 
Static at least had the courage to provide their own mathematics ( which was almost perfect) calculating total mortgage costs for the average price of a home 1985 versus 2025 using the applicable interest rate for each year, applied against the  home price for each, the one thing they did not do was account for the 40 years time difference. Of course they refused to continue the discussion once I pointed out what it was missing. Once doing that the present value of both mortgage streams are extremely similar. 

Tip?
I knew all about Larry Ellison before Matt Cameron joined this band. There's your tip.

What does 40 years have to do with anything. The price of entry is higher than it has ever been.  What once a construction worker and waitress could afford at 12% is out of reach of dual income degrees households at 6% because the starting costs are sky fucking high.  I don't know where to take the conversation from there.  When home costs out paced wage growth and renting became cheaper than buying the system became fucked. No matter how good the stock market is housing in America is fucked and if people can't afford to own the same quality of home that their dead beat parents bought people stop giving a shit. 

Gern Blansten

static111 said:

Lerxst1992 said:

Halifax2TheMax said:

Lerxst1992 said:

Halifax2TheMax said:

Lerxst1992 said:

Tim Simmons said:

Bari Weiss is a grifter. Was severely dunked on for bad takes, got butthurt about it, and failed upward. Congrats on her new job of making news for olds

She is lying about why she left the times? I mean, you don’t see what she says happened to her right here  on this forum? 

It’s not a joke that you can watch your budget and come up with $48 per week and use the tax tools currently available to solve the affordability problem and build wealth without resorting to socialism in nyc? Or that housing costs now are actually very comparable to the 80s and 90s? We can’t even have a reasonable discussion about that on this forum without centrists being ridiculed.

 But it’s the conservatives that are stupid.

 * The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

AI tells me that you’re lying.

U.S. housing costs have increased dramatically by decade, with prices rising faster than wages, leading to greater unaffordability. For example, the median U.S. home price rose from $47,200 in 1980 to $119,600 in 2000 and $416,900 by 2025, while the median household income grew at a slower rate. This trend is reflected in the rising price-to-income ratio, which measures how many years of median income it takes to buy a home. 

Historical Home Prices and Income Trends

• 1980s: 

  The median home price was $47,200 in 1980 and rose to $82,800 by the mid-1980s, with a price-to-income ratio of 3.51 in 1985. 
• 1990s: 

  The median sales price increased to $119,600 by 2000, after reaching $79,100 in 1990. 
• 2000s: 

  A significant increase occurred, with the median home price in 2005 reaching $232,500, followed by a decline in the latter half of the decade. 
• 2010s: 

  Prices began to rebound after hitting a low in 2012, eventually increasing by about 5% annually over the decade. 
• 2020s: 

  Prices saw substantial growth, with the median home price reaching approximately $416,900 by 2025, an increase of about 25% in just three years (2020-2023). 

Lying? Where does your ai excerpt say that?Are you capable of reasoned debate and discussion?


after going back and forth multiple times, and I point out repeatedly how important mortgage rates are in the determination of housing cost, is this comment of yours honest? AI disagrees…


…

” It's a massive omission to ignore interest rates in the calculation of total housing costs, potentially leading to an extremely inaccurate and misleading figure. For most homeowners who use a mortgage, interest payments make up a substantial portion—often the largest single component—of their total expense over the life of the loan.

* The following opinion is mine and mine alone and does not represent the views of my family, friends, government and/or my past, present or future employer. US Department of State: 1-888-407-4747.

You used the interest rate from 1985 on the housing cost of 2025, while using the interest rate of today on today’s housing cost, and a 40 year mortgage. This comparison somehow shows that millennials can afford a $400K+ house for only $200K+. Bunk.

Your math is fuzzy. Got a stock tip?

 I never said that bit about the 200k, you are twisting words to feed your lame jokes and put downs. What I was likely talking about was the time value of money which apparently is not a concept understood on this forum, unless Matt ever comes back


 
Static at least had the courage to provide their own mathematics ( which was almost perfect) calculating total mortgage costs for the average price of a home 1985 versus 2025 using the applicable interest rate for each year, applied against the  home price for each, the one thing they did not do was account for the 40 years time difference. Of course they refused to continue the discussion once I pointed out what it was missing. Once doing that the present value of both mortgage streams are extremely similar. 

Tip?
I knew all about Larry Ellison before Matt Cameron joined this band. There's your tip.

What does 40 years have to do with anything. The price of entry is higher than it has ever been.  What once a construction worker and waitress could afford at 12% is out of reach of dual income degrees households at 6% because the starting costs are sky fucking high.  I don't know where to take the conversation from there.  When home costs out paced wage growth and renting became cheaper than buying the system became fucked. No matter how good the stock market is housing in America is fucked and if people can't afford to own the same quality of home that their dead beat parents bought people stop giving a shit. 

Housing is fucked for sure. I am in a fast growing area and the number of corporate buyers of homes is unreal.

They are willing to buy the home and offer it for rent at very high prices and have the ability to let it sit empty for as long as necessary. They don't need the cash flow. They are just buying for the long term appreciation. 

That strategy drives up prices and pushes low/middle income people into apartments or forces them to move further away from where they work.