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  1. #3241
    Registered User Drhunglow's Avatar
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    Originally Posted by mgftp View Post
    God damn brah. I mean the logic makes sense but nobody except the elite would own and live in anything more than a shanty before retirement in developed parts of the US sticking to 25% or less of total assets.
    And seems like most would buy an extra home as soon as they had any available credit
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  2. #3242
    Hamiltonian operator 4ea's Avatar
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    lifting crew, i had a great idea recently. As you probably remember i bought more bars for my lat pull down and cable row machine, and i was trying to figure out the best way to incorporate these new variations. Im going to try splitting my back workouts into two different routines, each will focus on using the different bars for variation while not over training my back.

    ive been focusing on lat pull downs for about 18 months, but im going to instead start with rows, doing a few sets with a specific bar, then doing lat pull downs and high rows with the same bar. once im done there, il go back to rows and do the same thing with a different bar. it should allow me to put more time in with each variation.

    Originally Posted by Luc1fer View Post
    If you weigh heavily towards a particular sector, or even worse a particular house in a particular location, you are hurting diversification and taking on more risk. Think about it like investing in an individual stock, vs a market index fund. Not clear if you're referring to buying rental property, a home, or REITs though.

    I would not want my home equity to be >25%.
    I will likely never invest in rental property, since it's a second job. If it isn't a second job, it's much simpler to passively invest in an REIT index fund.
    i respect your knowledge of economics, but honestly i think it is imperative to get off of rent asap, especially if you're living in an expensive area where you could easily be putting more than 50% of your income into it. why throw your money away when you could invest in a property which will appreciate in value and also most importantly allow you to build equity?
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  3. #3243
    🅳🅰🆂 🅸🆃 Luc1fer's Avatar
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    Originally Posted by mgftp View Post
    God damn brah. I mean the logic makes sense but nobody except the elite would own and live in anything more than a shanty before retirement in developed parts of the US sticking to 25% or less of total assets.
    Most Americans overspend, they end up working beyond retirement age so they can have the nice house and nice new car. They may even have a high income, but spend it all and more, failing to build a compounding nest egg.

    They key to FIRE is not income, it's expenses. Obviously higher income will get to the necessary nest egg sooner (25x-33x expenses), but safe withdrawal rates are based on expenses.
    𝕮𝖍𝖆𝖘𝖊 𝖆 𝖈𝖍𝖊𝖈𝕶, 𝖓𝖊𝖛𝖊𝖗 𝖈𝖍𝖆𝖘𝖊 𝖆 𝖇𝖎𝖙𝖈𝖍
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  4. #3244
    🅳🅰🆂 🅸🆃 Luc1fer's Avatar
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    Originally Posted by 4ea View Post
    i respect your knowledge of economics, but honestly i think it is imperative to get off of rent asap, especially if you're living in an expensive area where you could easily be putting more than 50% of your income into it. why throw your money away when you could invest in a property which will appreciate in value and also most importantly allow you to build equity?
    Because a mortgage isn't free, you have to pay interest. And if you don't pay interest, you are allocating that capital away from the broader stock market which has historically yielded 8%+.

    There's a trade-off between renting and buying, and it isn't as simple as throwing rent money away vs. building equity.

    Mostly it depends on how long you intend to stay to negate fees. If you plan to live in your house for 10+ years, you're probably better off, but that's still very dependent on market returns.

    Play around with this: https://www.calculator.net/rent-vs-buy-calculator.html
    𝕮𝖍𝖆𝖘𝖊 𝖆 𝖈𝖍𝖊𝖈𝕶, 𝖓𝖊𝖛𝖊𝖗 𝖈𝖍𝖆𝖘𝖊 𝖆 𝖇𝖎𝖙𝖈𝖍
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  5. #3245
    Master Roshi IronCharles's Avatar
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    Originally Posted by 4ea View Post
    i think it is imperative to get off of rent asap, especially if you're living in an expensive area where you could easily be putting more than 50% of your income into it. why throw your money away when you could invest in a property which will appreciate in value and also most importantly allow you to build equity?
    Agree with this 100%.




    Originally Posted by Luc1fer View Post
    Because a mortgage isn't free, you have to pay interest. And if you don't pay interest, you are allocating that capital away from the broader stock market which has historically yielded 8%+.
    Sub 5% interest rate crew checking in. But my property has more than doubled in value in 15 years. One would have to be awfully lucky to get that kind of return from stocks. (And they would still be paying rent, with nothing to show for it.)
    Last edited by IronCharles; 07-10-2020 at 01:42 PM.
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  6. #3246
    Registered Alpha mgftp's Avatar
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    There is no scenario where renting is financially a better option than buying if the dwellings are similar. Only argument I could see for renting is if you are taking out a mortgage and have a high probability of needing to move within a few years.
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  7. #3247
    Hamiltonian operator 4ea's Avatar
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    Originally Posted by Luc1fer View Post
    Because a mortgage isn't free, you have to pay interest. And if you don't pay interest, you are allocating that capital away from the broader stock market which has historically yielded 8%+.

    There's a trade-off between renting and buying, and it isn't as simple as throwing rent money away vs. building equity.

    Mostly it depends on how long you intend to stay to negate fees. If you plan to live in your house for 10+ years, you're probably better off, but that's still very dependent on market returns.

    Play around with this: https://www.calculator.net/rent-vs-buy-calculator.html
    true, its more complicated than simply saying building equity rather than wasting money on rent but regardless its still better to own a home than it is to rent. not only is rent wasted money but landlords like to continue to raise rent higher and higher. and if you own a house you have alot more room to store all kinds of gym equipment.

    Originally Posted by IronCharles View Post
    Agree with this 100%.






    Sub 5% interest rate crew checking in. But my property has more than doubled in value in 15 years. One would have to be awfully lucky to get that kind of return from stocks. (And they would still be paying rent, with nothing to show for it.)
    crew, on both counts. my mortgage is a fixed 3.8%. id rather not give the loan sharks hundreds of thousands of dollars but regardless, paying rent sucks. once i get my student loans fully paid off in 2 months im going to focus on getting the mortgage paid off as quickly as possible. im unsure exactly how long that will take me but the sooner i do it the better.

    btw, that g funk song you posted was tight.
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  8. #3248
    Master Roshi IronCharles's Avatar
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    Originally Posted by 4ea View Post
    btw, that g funk song you posted was tight.
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  9. #3249
    Hamiltonian operator 4ea's Avatar
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    Originally Posted by IronCharles View Post
    i am familiar with new breed of hustlas, heres the first song i heard from them



    gangsta gangsta
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  10. #3250
    Master Roshi IronCharles's Avatar
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    Year's half over already, crazy!









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    Registered Alpha mgftp's Avatar
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    You guys ever just think, I wonder what type of hot booty Lucifer got into this weekend then broke their heart telling them they aren't good enough for relationship?
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    Originally Posted by mgftp View Post
    You guys ever just think, I wonder what type of hot booty Lucifer got into this weekend then broke their heart telling them they aren't good enough for relationship?

    Every minute of every day.
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    Registered User whatevergirl's Avatar
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    So, a friend of mine needs to go through sensitivity training because he disagrees with police defunding stemming from BLM. Now, he is pretty vocal and I’ve told him to not voice what he’s thinking at work but he no listen to me. -_- That said, he’s not a racist and it makes me sad how he’s being labeled.

    Be careful out there. Free speech only counts if you agree with the popular views.

    Other than that, life’s good. How are you guys?
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    🅳🅰🆂 🅸🆃 Luc1fer's Avatar
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    Originally Posted by whatevergirl View Post
    So, a friend of mine needs to go through sensitivity training because he disagrees with police defunding stemming from BLM. Now, he is pretty vocal and I’ve told him to not voice what he’s thinking at work but he no listen to me. -_- That said, he’s not a racist and it makes me sad how he’s being labeled.

    Be careful out there. Free speech only counts if you agree with the popular views.

    Other than that, life’s good. How are you guys?
    Ye, it's very sad - decent people are being labelled racist for even questioning the orthodoxy. Totalitarian behavior.
    𝕮𝖍𝖆𝖘𝖊 𝖆 𝖈𝖍𝖊𝖈𝕶, 𝖓𝖊𝖛𝖊𝖗 𝖈𝖍𝖆𝖘𝖊 𝖆 𝖇𝖎𝖙𝖈𝖍
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    Hamiltonian operator 4ea's Avatar
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    Originally Posted by Luc1fer View Post
    Ye, it's very sad - decent people are being labelled racist for even questioning the orthodoxy. Totalitarian behavior.
    what a world we live in where an individual can say something like "hey, i dont think you guys should be burning down buildings and murdering police officers" then the mainstream calls him racist...

    what in the actual fuk
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