OrangeBills

Beyond the sticks even, maybe Last season's MVP can't throw a real pass apparently

Did suck guys to the line to defend Run I guess.

Rush the passer!

The Patriots have played the easiest schedule in NFL history, by a lot, per my chatbot. and got 15 flags called on the Bills

Sorry, this is just stupid. Forrest Gump stuff Be better, if you care. If not that’s fine too

Its how the NFL manages games

Just LOL so dumb

You switched from Autos to Homes there, but yes, I agree with you…lower rates will probably (counter-intuitively) lower housing prices due to the increased supply effect. Autos won’t have that same effect, but payments are so stretched that I don’t think lower rates leads to materially higher prices. The Biden Admin will have cost a generation (5 years worth of people) a whole bunch of opportunity but we have to do it.

By all means, what would be your solution then? Lower rates? By all means, call Mr. Fed who currently hates America (really, the President, but hurting Americans — TRUFLATION has US Inflation at 2.4% and the Owners Equivalent Rent lag effect SHOULD be understood by our fearless Fed leaders but apparently they are stupid) Lower prices? Hmmm, that genie is out of the bottle unless we want a Depression to lower prices back down? Not good for anybody. So, aside from Time Machine and remove mail-in ballots from the 2020 election and COVID hysteria nonsense…what should we do now? The only real answer is longer loan duration. Your response is that’s not good for Consumers, but your answer should really be we should not have elected Democrats. We ARE trying to solve for this disastrous Biden Administration.

Perhaps you missed the prior 4 year term of President Biden when prices, particularly Auto prices, and rates, the financing part, all skyrocketed like they never have in our Nation’s history. People are desperate to get cars, so they’ll extend out as long as possible to get the monthly payment down to a level they can afford. THIS IS THE BIDEN ADMINISTRATION’S FAULT

To add some light to this discussion, I did the auto-lineup function on my ESPN Fantasy lineup thing and it subbed out Josh Allen for some other guy I really worked over how to handle this...it was just computer math, so I decided to let it ride figuring I might be providing some reverse-karma in the end, Josh had a historic game, which my Fantasy team missed out on...I'll prob still win that...and I didn't hex the Bills chances... Psyched to have AI be wrong this time...

Can’t fault the administration from trying No less than Torsten Slok from Apollo is out with an extremely damning report, perhaps the worst indictment yet of the Biden Administration In 2010, the median age of a US home buyer was 39 Today it is 59 goodnight worst government in the history of the world, arguably, to topple this Civilization

15 million more than the great Obama!!

Just some final clarifications...first of all, NOONE is saying that a 50 year Mortgage is a great idea, or better than a 30-year loan. We're not comparing it to a lower duration loan, we're comparing it having to alternatively pay high rents (which is just as thrown away as Interest cost) or not be able to afford a home. Secondly, Home Ownership is a great investment when IRs are trending down, as they have for the last 40 years. Not as good as when they are going up, from an asset appreciation standpoint, as they have been lately (already owning your home when rates are soaring is AWESOME, however). But that's not really why you buy a home in the first place, it's a tangential benefit... Thirdly, there are various intangible benefits to owning a home vs renting...in general, you're going to find better neighborhoods and schools owning vs. renting, so that may drive some new homeowners to tackle. the 50-year plan for now, with plans to refi when the rates collapse during The Great Trump Recession. Lastly, and I thought I'd made this point already about this being the worst homebuying market because BOTH rates AND prices are high (as opposed the 1970s when rates were atrocious, but prices were rock-bottom)...but let me explain how I KNOW this is the worst housing market... A couple of years ago, my bank Chase found itself so upside down in it's loan with me (2.87% Fixed for 25 years) that they actually offered me the following: cut my payment in half each month and pay twice, 1st and the 15th, and it will cut my duration from 25 to 21.5 years... This is truly unprecedented...Banks HAVE offered to allow payments "every two weeks" but the faster amortization comes from the fact that you're making an extra payment every year (26 bi-weekly payments vs. 12 monthly) every year...in this case, the bank is giving me the benefit of bi-weekly amortization which just means they're incrementally getting some of their money back faster (every two weeks)...when I spoke to the Mortgage Banker he was like, yeah, they've never done this so it's a good deal. They are effectively adjusting their amortization schedule for me because the prior 4 years absolutely destroyed this rate/price relationship. So, I don't think it's worth the indignation about the 50-year...nobody is saying it's a "great deal"...SOME people would maybe decide it's the "best deal" so they can get in a house with their kids (if anyone is still doing that) and get the party started, and hopefully refi the loan in a couple years at a bit of cost but good deal long-term. The reality is that your vote matters Cheers.

Oh stop, where were you when Biden said dumb things every day (at least, the days he was working), and where have you been when our Gov't has subsidized and bastardized prices across a million things in our society from College to Housing to Healthcare (ACA subsidies, anyone?)