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meansonny
| Favorite team: | Georgia  |
| Location: | ATL |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 27007 |
| Registered on: | 9/21/2012 |
| Online Status: | Not Online |
Recent Posts
Message
Ironically, this super el nino gives Georgia the best summer in 500 years.
Our weather is more influenced by the arctic than the gulf/Atlantic this year.
Our weather is more influenced by the arctic than the gulf/Atlantic this year.
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re: Ty Simpson says he’s already learned more than he did in 4 years at Bama
Posted by meansonny on 8/5/26 at 6:04 pm to Rip Torner
quote:
Football is full time in college for players and coaches.
Players and coaches still have limits on the amount of time that they spend together.
And if you think college players are dedicating more time than NFL players, you are an idiot.
re: How many coworkers have you banged in your career?
Posted by meansonny on 8/4/26 at 1:51 pm to sidewalkside
A lot.
The better question would be how many women did I sleep with that weren't my coworker.
The better question would be how many women did I sleep with that weren't my coworker.
re: I think people need to accept that the housing window has closed
Posted by meansonny on 8/1/26 at 7:31 pm to lsupride87
quote:
quote:
What is ignorant is ignoring that we are in a real estate bubble from 2022.
Prices have been rising since 2008. Hell of a “bubble”
2 things
1) 2008 was a bubble bursting. Exactly my point that real estate always goes in cycles.
2) 2010 to 2019 had typical real estate appreciation. It isnt a bubble because it is typical inflationary (traditional/historical) effects on the US housing economy.
Just like 2023 to 2026 is typical/traditional growth. The bubble literally was 2022 when some areas had a 25% spike in prices.
re: I think people need to accept that the housing window has closed
Posted by meansonny on 8/1/26 at 11:36 am to lsupride87
quote:
Whats ignorant is not realizing paying 250k for a home that needs work 40 minutes from your job is not fricking ideal for a “starter” home. That’s expensive as frick and shows the problem
What is ignorant is ignoring that we are in a real estate bubble from 2022.
Ignorant is living under the delusion that real estate cycles are dead and bubbles will never burst or neutralize.
Ignorant is using the oxymoron "ideal starter home". The lack of "ideal" is what makes it a starter home.
It absolutely is more difficult today to be a first time homebuyer. That is what defines a bubble. And americans suffered through multiple bubbles over the past 100 years.
And Americans have come out the other end of bubbles multiple times over the past 100 years.
Ignore basic economics at your own risk.
We online bank with BOA.
We used to have an ATM in my town. They shut it down 18 months ago as it was having issues (old).
Now we dont have a physical bank or ATM.
Ive wanted to change banks for years (not having a physical bank bothered me). But my wife is too comfortable with the online banking to make a change.
We used to have an ATM in my town. They shut it down 18 months ago as it was having issues (old).
Now we dont have a physical bank or ATM.
Ive wanted to change banks for years (not having a physical bank bothered me). But my wife is too comfortable with the online banking to make a change.
re: Heavy metal fans ‘vomiting and crying’ as concertgoer poops in moshpit
Posted by meansonny on 7/28/26 at 1:46 pm to Splackavellie
re: Trump bringing back P.E. To schools.
Posted by meansonny on 7/28/26 at 1:37 pm to Downeast12
quote:
PE is relatively cheap once established and a lot can still be done with limited funding. But, I’ve built a HS weight room and there is no “cheap” way to do it safely and correctly.
How many high schools dont have a weight room?
Honest question.
I know one South of Atlanta that didn't have a full weight room. But they bench and squat and the kind of exercises that rich people pay tons of money for (old commercial tires and sledge hammers).
There isn't a football program or wrestling program in the country that doesn't have some sort of weight room already in place.
Weight room, basketball court, soccer field, and baseball diamond are the most common examples of what every high school already has. No additional resources needed for a PE class. Add basketballs, kickball, and soccer balls and your supplies are done.
quote:
The biggest reason PE gets cut is funding issues so unless he's going to also draft a proclamation that magically pays for the teachers and equipment needed (as well as insurance for sending kids up the rope) this shite is never going to happen.
WTF
What kind of equipment are you referencing?
What kind of new insurance is needed in elementary school?
What kind of equipment is needed in high school?
quote:
Anyone that wants government run healthcare should be required to have TriCare. In fact Congress should be required to use Tricare.
My FIL is retired Air Force.
There isn't a better Healthcare option than his Tricare.
Better than Medicare with all of the supplements.
And it is free.
What is your reference point?
re: Great Wealth Transfer is going in the wrong direction
Posted by meansonny on 7/19/26 at 8:28 pm to La Place Mike
quote:
Not making excuses. Just pointing out it was not as easy to save for retirement then as it is now.
Agreed.
The dollars back then didn't lead to a high need for huge sums of retirement assets.
In 1970, an 18 year old would love to live off of $10k/yr with assets paid for (home/car).
What type of retirement is that 18 year old targeting as he/she starts their employment path. $100k-$200k?
As they aged, the annual funds were still low by today's standards (even if they doubled and tripled).
A disciplined 22 year old, today, can start a path towards $100k so much quicker than I could back in the 2000s. Duh.
My 16/17 year olds are making more than my wife did 25 year ago.
re: Homebuyer affordability slipped 5th straight month; Median Single Family Price: $446,400
Posted by meansonny on 7/19/26 at 8:20 pm to athenslife101
Because you live in Athens and those are the people who couldn't leave after school?
quote:
Are you saying first time home buyers shouldn’t even consider buying a house near their parents?
This discussion is about how difficult it is to buy a first home.
Most people dont bitch. Maybe they can afford to buy near their parents.
But the "sayings" are true.
Don't buy a home that you can't afford.
Don't shop for a home that you can't afford.
If the parents' area is out of the price range, then every logical "saying" is telling those individuals to not consider buying a home near their parents.
My first home was an hour away from my folks. How about you?
quote:
I’m some places it 100% more difficult to buy the equivalent of what you could buy 20 years ago.
2005 was a bubble.
2009 was a crash.
In those same places, a secure job could easily have a 2009 first time homebuyer buyer purchase 40% below 2005 prices.
2022, it was significantly more difficult than 2009.
Real estate cycles happen. Since forever. It virtually bankrupted the country's first tycoon (bankruptcy was not a legal protection back then. He ended up in debtors prison).
quote:
It’s deeper than that. It’s about being able to comfortably afford the equivalent of what you use to be able to afford. 20 years ago, a young person might have been able to afford a 3,000 sf house but only chose to buy a 1,500 sf house because that’s all they needed and they would have extra money to spend. Now those same type of people might not be able to afford a 3,000 sf house, only a 1,500 sf house. Both groups are technically able to afford the same type of house, but one group is under more financial stress in order to buy that house.
You pulled this anecdote out of your arse.
Life has always been difficult. For people today to presume otherwise is absolutely ignorant.
Adjusted for inflation, credit card debt was at all time highs 20 years ago. Significantly worse than today. Bankruptcy attorneys could compete with personal injury attorneys for income.
And when the real estate bubble collapsed, unemployment was 10%. Underemployment more than doubled that. It wasnt easy to be a first time homebuyer then in 2009 (although about 1M per year were still doing it).
People never have context.
Just poor excuses, lousy anecdotes, and lazy humor.
re: Homebuyer affordability slipped 5th straight month; Median Single Family Price: $446,400
Posted by meansonny on 7/19/26 at 8:03 pm to JohnnyKilroy
quote:
quote:
But we literally are in a bubble.
Based on?
Median home prices surged 20% from 2021 to 2022 (2022 to 2023 in some regions).
Similar to what we saw in markets in the early/mid 2000s.
There has not been a continuance of that increase since. Year over year increases were a relatively slow crawl for much of the country after 2009/2010s foreclosures dropped prices +30% from the mid 2000 highs.
That sudden increase is called a bubble. There has not been a correction. So we are still in it.
And it is true. It is tougher today to buy a home than it traditionally has in the past.
quote:
What are the chances car insurance goes down?
100% chance of insurance going down.
With automated cars, charging liability will be a technicality.
There will be no negligence or intentional tort.
There will be virtually no nuclear verdicts.
quote:
What do you mean? Of course you should only buy a home that you can afford.
It goes further than that.
Only shop for a home that you can afford.
This thread is full of "examples" of how things are difficult.
"I can't buy near my parents"
"I can't afford flood and wind/hail insurance".
"I can't afford a median home in the usa".
It is a bunch of bitching and moaning about not being able to afford something that they shouldn't be considering.
If it is so obvious that they shouldn't consider homes that they can't afford, why are the above complaints valid? It is just bitching in order to bitch. People love to play the victim. Society today has made huge leaps towards a victim olympics.
quote:
The point is that now it is harder to buy a home equivalent to what you were able to buy 20 years ago.
It isn't significantly harder to buy a home than 20 years ago.
It is significantly harder than buying a home after the crash 18 years ago. It is significantly harder than buying a home 7 years ago (2019) before the 2022 real estate bubble.
It is not significantly harder than 2024 or 2025.
There are real estate cycles. And this is a challenging part of the cycle. That is true. But this isn't the only real estate bubble that the country has seen. People are too short sighted to even presume so.
quote:
It is what it is but it suck for those that are trying to buy a house for the first time now a days.
We still average about 1M new first time homebuyers a year. It is hard. But it isn't that hard. 1M people make the leap to home ownership every single year.
quote:
It doesn’t help when you have people like night vision telling people to go buy a piece of land and round up a couple of buddies to help you build a house on it.
There are problem makers and problem solvers. He is illustrating one way to solve a problem.
It isn't that far removed from me advising not to shop for a home that you can't afford (by your parents home. By the coast. At a price point above 50% of the other homes being sold. Those are my recommendations to solve the same problem (challenges to first time homebuyers).
quote:
Auto insurance industry and tort lawyers should be worried about driverless cars.
Insurance revenues should go way down.
Insurance is just a pass through.
Costs plus margin.
My guess is that the insurance companies will try to go horizontal.
Car warranties. Roadside. Trip interruption. Service plans.
Coverage may also adjust more to pay by the mile services.
re: Homebuyer affordability slipped 5th straight month; Median Single Family Price: $446,400
Posted by meansonny on 7/19/26 at 2:51 pm to Paul Allen
quote:
Younger people both conservative and liberal are finding it difficult for saving the 20% down payment.
20% is not typical down-payment for first time homebuyers.
I put 5% down on an 80/15/5 purchase.
I did interest only on my first mortgage and paid my 2nd mortgage off in 2 years. Then paid down my 1st mortgage even more before selling my home and using the equity for 20% down on a larger home (30% price jump).
quote:
we need the values to plateau and then slowly but steadily rise, vs. the meteoric rises we've seen in the last 5-10 years...
Prices have plateued somewhat since 2023.
There are a few problems.
In places like California, it takes 3 years to build a new home. Regulatory issues absolutely are limiting new housing starts
Nobody wants "growth". Every local housing issue at the county board of commissioners is challenged by the local community.
Ive argued against zoning changes in my immediate neighborhood (fighting attached housing units. Or arguing against minimum lot size changes).
We need changes in government and changes in local attitudes to better fix the bubble. This is easier said than done.
quote:
Sorry I don't have time to read 14 pages.
Is anyone here arguing home are affordable and haven't been outpacing wages for years?
We are in a housing bubble since 2022.
2005 (previous bubble) to 2019, housing prices weren't insane.
Things absolutely are harder than on average.
But we literally are in a bubble. Just like previous bubbles.
Some people dont understand context or history.
quote:
What i am saying is that there are other things that have to be considered when buying a house besides mortgage. Additional costs that come with a decision as to whether it is indeed cheaper to just "move somewhere else where its cheaper"
You seem to be forgetting the discussion.
The discussion is about buying a first home.
Either staying on the coast is important, or buying your first house is important.
Either staying by the family is important or buying the first house is important.
If buying the first house is important.
Then, shop for homes in the price range.
That includes foreclosures.
That includes buying townhomes or condos.
That includes buying further outside of downtown DFW.
That includes not "buying the median home price".
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