dj181

[dj181]

so you admit to being a liar about your height and "size"

My work here is done

we use cm here dummy

[Dorian Cutler]

we use cm here dummy

We are aware of that, thanks for confirming it for future reference.

[BigRo]

Liar Filt.

[Dorian Cutler]

Liar Filt.

i hope he dies from dirty gear as soon as possible

[dj181]

Where is 15?

Miss the fella

[delon]

Liar Filt.

He is indeed BigRo:

well, my 6.25 inches is only average so he ain't too happy bout it i'm only an average white boy... FUCK

[dj181]

He is indeed BigRo:

HAHAHAHA

you got a real hard one for me

get a life dude

twenty-two PURE POUNDS OF MUSCLE TISSUE

[wes]

Where is 15?

Miss the fella

If he was up your ass with golf shoes on you`d know where he was.

[dj181]

If he was up your ass with golf shoes on you`d know where he was.

weak

i'm not impressed

[Dave D]

Three years ago the bank gave me almost 2 million dollars for my third, and now primary residence.

They did this for 2.5% interest.

I’ve since profited off investments, enjoyed upgrades to my residences etc all off of the money that wasn’t used for buying my primary outright.

Leveraging debt and all that.

What’s your monthly payment on the loan?

[bhank]

What’s your monthly payment on the loan?

Its like the guy completely forgot about the housing collapse that crashed the entire world economy just 15 years ago. Leveraged debt is what caused that.

[Dave D]

I went to a childrens music concert Sunday with the family and took time to congratulate the one kid who was really bad and embarrassed. His mother even thanked me afterwards.

Wow!  What an incredible act, thanks for being humble enough to share this.

[Marvin Martian]

Its like the guy completely forgot about the housing collapse that crashed the entire world economy just 15 years ago. Leveraged debt is what caused that.

No - the fed lowering the rate to 0 caused that.

[bhank]

No - the fed lowering the rate to 0 caused that.

And you don't think they will do it again? The point is housing is not always a safe investment it does not always just go up there is an increase in risk when using a mortgage you can wind up with no equity upside down very quickly.

Right now Commercial Real estate is in trouble downtown offices are empty everyone is working from home. When commercial landlords can't collect rent they can't pay their leveraged mortgages they lose all their equity and they will just walk away upside down. When the Commerical Real Estate collapses it will take the entire economy with it.

If you put 10% down and the market drops 15% you lose 100% of your equity not 15% leverage goes both ways

[Marvin Martian]

And you don't think they will do it again? The point is housing is not always a safe investment it does not always just go up there is an increase in risk when using a mortgage you can wind up with no equity upside down very quickly.

Right now Commercial Real estate is in trouble downtown offices are empty everyone is working from home. When commercial landlords can't collect rent they can't pay their leveraged mortgages they lose all their equity and they will just walk away upside down. When the Commerical Real Estate collapses it will take the entire economy with it.

If you put 10% down and the market drops 15% you lose 100% of your equity not 15% leverage goes both ways

I’ve owned a mortgage company - you are out of your league here man. No the Fed will not lower the rate to 0 again. Housing is AN EXCELLENT investment and ALWAYS goes up over time. Outperforming most other investments. If you are shortsighted it’s a weak investment. When prices tank I buy as much as I can without borrowing at the higher rates. There is almost always an inverse relationship between interest rates and home values.
Leveraging debt has been a tool used to create trillions in wealth.

[Dave D]

And you don't think they will do it again? The point is housing is not always a safe investment it does not always just go up there is an increase in risk when using a mortgage you can wind up with no equity upside down very quickly.

Right now Commercial Real estate is in trouble downtown offices are empty everyone is working from home. When commercial landlords can't collect rent they can't pay their leveraged mortgages they lose all their equity and they will just walk away upside down. When the Commerical Real Estate collapses it will take the entire economy with it.

If you put 10% down and the market drops 15% you lose 100% of your equity not 15% leverage goes both ways

Which downtown offices though? I heard experts making these statements but in cities like San Francisco people and businesses have been leaving, downtown areas arent normally great anyhow. Secondly most places have issued a return to work order, some people are working from home but they likely did that before the pandemic.

I’m not arguing if we are in a recession or if the economy is getting worse I’m just questioning the argument of downtown leases lapsing because people are working from home. What businesses have left what areas?

[bhank]

Which downtown offices though? I heard experts making these statements but in cities like San Francisco people and businesses have been leaving, downtown areas arent normally great anyhow. Secondly most places have issued a return to work order, some people are working from home but they likely did that before the pandemic.

I’m not arguing if we are in a recession or if the economy is getting worse I’m just questioning the argument of downtown leases lapsing because people are working from home. What businesses have left what areas?

https://www.statista.com/statistics/1349938/office-vacancy-rate-usa/

This is downtown and suburban office vacancies in just the downtown are higher

It's not just companies leaving lots of places are now hybrid and just don't need as much space with workers sharing group work areas on days they work in office.

[Dave D]

https://www.statista.com/statistics/1349938/office-vacancy-rate-usa/

This is downtown and suburban office vacancies in just the downtown are higher

It's not just companies leaving lots of places are now hybrid and just don't need as much space with workers sharing group work areas on days they work in office.

Will you post the graph, I don’t have an account so it wont show the data from 2016 to 2023.

[bhank]

Will you post the graph, I don’t have an account so it wont show the data from 2016 to 2023.

Nope not posting shit for you in fact putting you on block

[Marvin Martian]

https://www.statista.com/statistics/1349938/office-vacancy-rate-usa/

This is downtown and suburban office vacancies in just the downtown are higher

It's not just companies leaving lots of places are now hybrid and just don't need as much space with workers sharing group work areas on days they work in office.

I am talking about the HOUSING market - not commercial real estate. The trend of working from home and general reduction in necessity of office space has been a huge factor in the decline in commercial real estate. But even in the worst cases it’s rarely a wise move to bail out at the bottom.

[Dave D]

Nope not posting shit for you in fact putting you on block

? You’re blocking me because you didn’t answer my question about which businesses have left what specific downtown areas?

There’s been a 6% increase in vacancies since covid. What percentage of businesses were forced to close their doors permanently? What businesses are working from home exclusively, what are the rent prices compared to pre covid?Idk if this data is 100% accurate or as simple as the claim being made that it’s because people are working from home.

[joswift]

Nope not posting shit for you in fact putting you on block

and Brian again snatches defeat from the jaws of victory

One chance to do something for someone else and his selfish shitbag side rears its head

[Dorian Cutler]

He is indeed BigRo:

So he added an inch in height and in "length" over the years

[IroNat]

Three years ago the bank gave me almost 2 million dollars for my third, and now primary residence.

They did this for 2.5% interest.

I’ve since profited off investments, enjoyed upgrades to my residences etc all off of the money that wasn’t used for buying my primary outright.

Leveraging debt and all that.

Profitable strategy as long as your principal remains intact.

If the market tanked 50% would your principal (original amount financed) still be intact so you could pay off the loan?

How leveraged are you on the property?

[IroNat]

Its like the guy completely forgot about the housing collapse that crashed the entire world economy just 15 years ago. Leveraged debt is what caused that.

I understand your point and it's legit.