Favorite team:TCU 
Location:Houston, Texas
Biography:
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Occupation:Accountant
Number of Posts:4436
Registered on:11/14/2011
Online Status:Not Online

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re: Trump has something up his sleeve tonight - jclem11
Needs to walk out and say "hey there big guy" to greet Creepy Joe. Will be glorious....
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re: Mark one down for Trump in Georgia - jclem11
[quote]Same here. In Texas![/quote] Me too! :cheers:...
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re: What was the first vehicle you bought and the most recent one you bought? - jclem11
[quote]first vehicle you bought[/quote] [img]https://external-content.duckduckgo.com/iu/?u=http%3A%2F%2Fimages.thecarconnection.com%2Flrg%2F2013-volkswagen-jetta-sedan-4-door-auto-se-ltd-avail-angular-front-exterior-view_100426416_l.jpg&f=1&nofb=1[/img] [quote]most recent one you bought[/quote...
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re: Amazing Randi passes away at 92 - jclem11
Damn. RIP Mr. Randi....
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re: Any other “conservatives” here living in extremely liberal areas? - jclem11
[quote]No comparison to where you are at, but I live in the heights area of Houston. Hippies everywhere[/quote]...
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re: How hard it it to post mark a ballot? - jclem11
How hard is it to get a driver's license or other state issued ID?...
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re: 800 Compton residents to get guaranteed income in two-year pilot program - jclem11
[quote]Something like 85 million jobs are at risk of automation in the coming years. Robotics and AI are only accelerating. In other words there’s a lot of people that better get used to the concept of UBI. The societal changes that are coming are beyond what anyone realizes.[/quote] And the ...
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re: How screwed are we when Gen-Z takes over? - jclem11
[quote]Is the time to bitch about millennials finally over? Praise the lawd[/quote] We are getting old baw. :wah:...
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re: Yall Ever Seen AOC's Boyfriend? - jclem11
[quote]That dude probably Opus Dei whips himself just for being a male. Then smells her farts as a form of submission.[/quote] :rotflmao: You are probably not far off m'dude....
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re: 2 police officers shot in Houston-UPDATE-41 yr veteran has died - jclem11
[quote]POS Houston DA[/quote] Kim Ogg has to go. Get your arse to the polls to vote her out....
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re: Do most people finance significant portions of their lifestyles? - jclem11
[quote]Because of the expectation of living to a certain standard despite relatively stagnant wages and rising cost of living.[/quote] It was a bit of a rhetorical question but I agree. My thoughts on money boil down to a simple mantra: figure out what you value and then spend and invest in th...
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re: Do most people finance significant portions of their lifestyles? - jclem11
[quote]There are people with 80k in credit card debt walking amongst us.[/quote] But why? I realize that I, and probably most of us here, are extreme outliers but I just could never live like this. I'm a tightwad that pinches every penny though. frick I get anxious when my credit card bala...
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re: Do most people finance significant portions of their lifestyles? - jclem11
[quote]I know people with 20000 credit card debt.[/quote] How? How is this possible? I can't comprehend this. Do they at least have something tangible and of value to show for it?...
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re: Early voters: how long did you wait to vote this year? - jclem11
[quote]Early voters: how long did you wait to vote this year?[/quote] I was first in line. I was out 5 minutes after the polls opened. I got their 15 minutes early though....
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re: Do most people finance significant portions of their lifestyles? - jclem11
[quote]Equity is an asset. [/quote] Sure but not a very useful one unless you liquidate your property. Well I guess you can borrow against it via HELOC but that adds more debt to your balance sheet and another strain on your monthly cashflow. Cash and cashflow are king at the end of the day....
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re: Do most people finance significant portions of their lifestyles? - jclem11
[quote]I’m a home owner for the stability and freedom to customize the place I live to suit my needs, but I recognize that it probably wasn’t the best short to medium term deal for me financially.[/quote] True. For me it was breaking up with my ex and not wanting to go back to an apartment. We ...
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re: Do most people finance significant portions of their lifestyles? - jclem11
[quote]But check this.... every single person in the world who began renting in 2007 and continued renting for 7-8 years.... also “lost money.” They started “losing money” on month number 1. Again, this is a dumb way to look at it. It is a math equation. Equity is not “tangentially” important. It...
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re: Do most people finance significant portions of their lifestyles? - jclem11
[quote]Can we factor in equity gain after 5 years while we are at it? Seems important.[/quote] It is important but only tangentially as it is unrealized. If you are not selling then it does not really matter. The housing crash in 2008 showed us that "equity gains" mean frick all if the bottom ...
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re: Do most people finance significant portions of their lifestyles? - jclem11
[quote]All of this is paid by the renter in his rent payment. You aren't skipping this by renting. Investors/landlords pass all of these costs, plus a premium, on to the renter. It's the part of the equation everyone wants to ignore. It's a fallacy to believe the renter doesn't pay these costs.[/...
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re: Do most people finance significant portions of their lifestyles? - jclem11
True. The $250K and $500K exclusions save a lot of people right now. But this is yet another area the politicians could be looking at to raise revenue and make the "rich" pay their fair share....
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