Thread: Rants and WTF are you talking about and Coronavirus!
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02-26-24 21:49 #11924
Posts: 90Ever heard of this guy named Navalny? I heard he ran against Putin.
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02-26-24 17:06 #11923
Posts: 410Originally Posted by Abox79 [View Original Post]
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02-26-24 11:15 #11922
Posts: 466Are you serious?
Originally Posted by Sirioja [View Original Post]
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02-25-24 23:14 #11921
Posts: 22247Originally Posted by Abox79 [View Original Post]
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02-25-24 20:00 #11920
Posts: 410Originally Posted by Abox79 [View Original Post]
There's literally no opposition to the attack on Ukraine.
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02-25-24 10:00 #11919
Posts: 466The silent majority
Originally Posted by Sirioja [View Original Post]
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02-24-24 08:57 #11918
Posts: 222472 years of courage for Ukrainians and they protect east of EU. Big support to them who are so good example to never give up, versus the shame of Putin. I love Russia, but Russians are so blind, when they could have a much better life if they killed him, same blind than Chinese, or US voting for the shameful Trump.
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02-24-24 08:48 #11917
Posts: 22247Originally Posted by PumDiPum [View Original Post]
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01-31-24 05:21 #11916
Posts: 236Long Covid here, obviously. Doing the vaccine wasn't a good idea.
The investigation is hitting the wrong.
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01-29-24 01:10 #11915
Posts: 1330Originally Posted by BobNSuzy [View Original Post]
But Intel's recent drop reinforces the original criticism of OP's boasting of short term gains over one month. Chip companies doing well but intel sinks. Case in point. Never said Intel was a bad investment.
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01-27-24 15:15 #11914
Posts: 270Price drop
Bought some Intel at 43.40 yesterday. I had sold. I have no idea what it does from here. If that is passive aggressive I don't care, LOL.
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01-22-24 05:01 #11913
Posts: 1330Originally Posted by BobNSuzy [View Original Post]
Since we're critiquing verbatim accounts in this discussion, then "Don't believe you" or "buying houses in mass" seems to be a weird take as I'm not sure I have even inserted a personal account. In fact, my current real estate exposure is quite modest.
I was having a hypothetical discussion with very vague but realistic numbers, made to be easily digestible, but you seem to be feeling some sort of insecure way about someone making counterpoints. Perhaps you are taking disagreement personally for some reason. A natural inclination to measure dicks perhaps.
What is more to say when someone scoffs at 10-24% ROI? Apparently most people are schmucks for settling for such low returns.
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01-22-24 01:56 #11912
Posts: 270Originally Posted by EscapeArtist [View Original Post]
If someone thinks something is a good investment and they are so inclined go for it. I'm not a big fan of it after doing it myself.
It worked out fairly good for me but I had a few edges like buying during the 2008 financial crisis. My profits are higher than your figures. I am not totally adverse to it though. I would need to be highly compensated.
Your figures are intellectually entertaining. I'll take note that you guys are buying houses in mass at this time.
I'm not really sure I believe you. That is where I am with your posts. I have interest in the topic so whatever you write is entertaining.
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01-21-24 07:24 #11911
Posts: 1330Originally Posted by BobNSuzy [View Original Post]
"rich people throwing money around. ".
Disagree as I simply drew out a counterpoint case useing a relatively modest example of a 40 year old professional wage earner with a financial situation that is reasonable for that demographic. I don't think my case bolsters your rich people play money statement whatsoever. We have people buying properties to rent, not vacation homes or part time AirBnBs.
Whether someone determines that a 250 K rental is a good investment should naturally consider several caveats including location and market conditions at time of purchase rather than making a blanket statement. That statement is inherently flawed as in making a universal statement, one must ignore considerable variables.
Perhaps in Jackson, Mississippi, a single family home's rent prices may be minuscule, a situation that may support your assertion. That is certainly not the same for larger cities or other regions. In my large city, a modest $250 K home in an okay neighborhood easily gathers $2500 per month in rental income or 30 K per year.
Some basic numbers in the rental property market is starting with rental income, add 4% home valuation appreciation, factor 5% income loss in vacancies periods and 40% of income on operating expenses to include items such as tax, insurance, maintenance, HOA, and property management (less if you manage yourself or have no fees).
For a 250 K home:
$30 K rent + 10 K appreciation - 1. 5 K vacancy - 12 K operating expenses = 26.5 K. That's a 10.6% return on 250 K.
But if leveraged as in original example, profits get even more interesting. Add interest expense but calculate return based on a much smaller investment in the form of a down payment, 50 K in this case.
Mortgaging the rest with a 200 K loan at 6% would result in about $1,200 monthly payments, or 14.4 K added to the first year's operating expense.
In this situation, income becomes 26.5 K - 14.4 K = 12.1 K from an initial investment of 50 K for 24% returns.
This obviously comes with more risk than cash assets but also a significantly higher rate of return. It comes with more work than stocks but significant less risk but more work.
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01-21-24 01:44 #11910
Posts: 6686Any news about neuromorphic chips being close to mass production would be devastating for both AMD and Nvidia as I don't think they have anything on that front. At least not yet. I don't think the chips are ready quite yet, but they could be closer than most people would think. Maybe much closer since there are some tight lips surrounding it and the words they use. Sam Altman as well as others.