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TxEx99

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Everything posted by TxEx99

  1. I kinda understand why people love traditional IRAs but man I'm hoping to be in a way different tax bracket when I'm older and have converted and still contributing to my ROTHs. A little more pain now for that sweet tax free later is just too tempting. Is anyone else working for a company without a 401k? Semi-self employed. Technically I work for my dad which means there no match, no 401k period, and I can't even start a SEP because it's not my company. Being single and childless helps but every dime of retirement is what I've saved. It can be hard but anyone can make it work with some discipline. Weekly auto investments are the only way to go. In and out of your account before you even realize.
  2. Fucking loud as hell hail storm for 15 minutes in central Arlington at 2am this morning. Not the tiny pebbles either. Quarter sized, up to damn golf ball sized hail. Sounded like someone was taking a hammer to everything.
  3. I gotta say for all the ranting about Israel Onboard 2.0 is right. If Israel wanted to glass the Palestinian territory nobody could stop them. After the fact they'd be politically ostracized but they'd for damn sure have no issues with the other countries around them. Israel has shown a hell of a lot of restraint and they've defacto won. Everything else is incoherent yelling and theater by those who really have no better options available to them.
  4. If only that was actually true.
  5. snake and mouse...nope.
  6. That kid is way younger than a I thought. How awful for him and his parents. Someone please tell me that snake is dead.
  7. I'm sorry are you talking about Israel or Saudi Arabia?
  8. Israel has a 21% Arab minority population. What apartheid is going on there?
  9. More importantly why would Israel agree to go back to the 1967 borders? I mean there's no doubt that if Israel gave the Palestinians that, that would be enough, right? Giving Palastinians things has worked out so well for Israel in the past. Not to mention the fact that Israel rightfully won that land in a war they didn't start and is under no obligation to anyone to return it to a state that wishes all Jews dead.
  10. Gaza is a shitshow operated by one of the most incompetent regimes in the entire world. I can't imagine why anyone thinks Israel should willingly open its borders to allow in people whose stated goal is "death to Israel, death to Jews." Contrast that with the situation with Jordan and the West Bank and tell me why Israel is in the wrong here. Throwing rocks, molotov cocktails, shooting at soldiers and generally trying to start a riot at border checkpoints would be intolerable everywhere else in the world. Yet Israeli defense forces are monsters for using tear gas and eventually shooting at people attempting to physically harm them.
  11. Can we get back to the topic on hand for a minute. Why do young black men attempt murder and are the victims of murder attempts significantly more than whites, and some 10 percentage points more than hispanics? Chicago, St. Louis, Baltimore, New Orleans...the name of the city doesn't matter. Young black men trying to kill other young black men is universal. Why?
  12. If I'm holding the note it's because the buyer can't otherwise qualify and he/she is paying me 8-10% interest. So a 15 year note at 9% interest is a fantastic option. Just make sure they put down no less than 5k. If you can squeeze 10k even better (on notes $120k or less, obviously the bigger the note the bigger the down payment). Make sure they have some skin in the game so that leaving the property via foreclosure or deed in lieu of foreclosure is not the route they want to go.
  13. For me the problem with VA loans is the longer closing time, never seen a VA loan close quicker than 30 days, and the extra inspections required by the VA regarding dumb things like plants and bushes too near the house that can supposedly carry in wood eating bugs. I've literally had to dig out a bush in December after a storm, so it was cold and muddy to the point to where the whole bush was gone and no roots were there as well in order to satisfy the VA inspector. It was not what I planned to do the weekend before Christmas. Point being that VA asks for things that conventional and even FA loans don't and most sellers don't want to deal with the extra delays and hassles. VA loans always cost me more in "required repairs before the loan can be approved and the property closed." You've gotta do what you've got to do but don't be surprised or hurt, in this hot market, if you don't get the first, second, or third house you put an offer on because the seller chose the other loan options.
  14. I'm honestly not sure. Though I will say pretty much most of the hispanic kids and adults I met have a vastly better work ethic than blacks. That's just an anecdotal evidence but hispanic men hustle like nobody's business. There's almost nothing they won't do to earn a buck. MS-13 and other gangs are an issue. Hispanic murder rates are higher than whites but lower than blacks. What separates those communities? I have no idea. That's what I'm trying to figure out. I grew up in Fort Worth and I've got to tell you I'd much rather be stuck in Northside after dark than Stop Six. Both are majority minority. One area is doing better than the other. There has to be a reason(s) why.
  15. Someone want to tell me why another minority community moving in helped drop the crime rate in LA? If it's all whities fault, not that you specifically said that but others like David are implying it, why aren't Mexicans and other Central and South Americans murdering each other at the same rate as blacks? Why are Hispanic communities not as big or even bigger failures because of the language/legal barrier? What's the difference between inner city Chicago and San Antonio?
  16. Welp I think I can cross off the big island as where I want to buy property off my list. Why do I get the feeling that those poor people's homeowner's insurance is going to try to screw them over and not pay out? Mother Gaia you scary.
  17. I loved Prague. I also loved Krakow for very different reasons. Everyone should see Auschwitz/Birkenau if you can handle it and the downtown square is a fun place to spend an evening. If you're going to head north Riga, Latvia was unexpected. The Occupation Museum is definitely worth a visit. Going south Venice and Croatia are each amazing in their own way.
  18. Despite whatever repairs are needed her house in the metroplex has never been worth more. Obviously the disadvantage to a realtor is the 6% commission but unless she bought the house just a few years ago she should have equity in it and assuming she's been there 20+ years her house could have doubled in value. The roof is not nearly as big a deal as a new kitchen or bathrooms though that's going to be a big ticket item that gets her a lower offer. My point is avoid a roofing company and find a roofer who works for one but does jobs on the side. She'll need cash to pay but save 20% or more on the total job. Like I said if she's anywhere near Jerryworld I'll go by and give you an honest wholesale offer. It won't be top dollar but nobody is going to offer top dollar to a house in need of repairs.
  19. You mean New Western Acquisition? They're a wholesaler. They'll "buy" your house or at least put $5k down toward the purchase price then in turn add a small profit or just a $5k fee to whomever they in turn sell it to. They'll 3rd party assign the contract to a flipper. Generally that means that they agree to buy your house but in reality they're just the middleman for someone else to end up with the property. The advantage to them is that they'll risk $5k to earn $5k in less than one month, which is a fantastic business model. They're going to price the house according to the repairs needed to fix it up and add a little profit at the end for flippers. That's the wholesale price. There are a ton of companies and if they need a fast close I can give you the name of a few to price compare or hell I flip houses in Tarrant County so I can go give them an estimate or a bid as long as I'm not driving to north Dallas or anywhere else 40+ minutes from my house. They're an honest company as far as I know. If you sign a contract they'll honor it. Just expect a fairly low bid, say 60 cents on the dollar but you can get paid in a few days or up to two weeks depending on the situation. The title has to be able to clear so whatever price they offer has to exceed what's owed to the bank or the owner has to pay the difference.
  20. Even dead I wouldn't get that close to it. Look at the size of the head on that thing. This thread needs a nope gif right now.
  21. I can't give up trees so West Texas is out for me.
  22. Not sure I could handle the winter but something around Deadwood, the Black Hills, or Yellowstone would be worth a try. If winter is the impediment that I fear it will be then I could go back to Nacogdoches or any number of college towns. I don't cook much. That's my main issue but I've thought about leaving Arlington for sure.
  23. People using cars to commit mass murder? No they weren't before mass Muslim migration.
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