Posts by Jamie Newman5

At first I figured the whole thing was just because you’re genuinely unhinged, but then I realized it's actually just you sucking up for some leftover affection after getting fired...☕

Dennis Jackson16 said:Look, you aren't getting better rates on your savings, and they sure as hell aren't lowering mortgage rates either. This is just positioning for the future—basically squeezing every last drop out of us until we break.
The logic for banks is pretty obvious, I guess. Cut input costs as much as possible, especially interest, then maximize profits immediately. They want to grab everything they can now because, let's face it, it's all going downhill soon anyway.
They aren't even trying to fix the situation.

Why would they bother? They see that nobody in America actually stands up to them. They think we're fine as long as we don't complain... except for those occasional lawsuits that make these bankers shake in their boots.😁

And why on earth would banks try to save the day? They're just the result of someone else's capital, and that someone expects a return. Those people you're looking to for mercy are just working for themselves. They're protecting their own seats and making sure they don't get kicked out if they don't hit their numbers.

The government? The government is basically just taking out loans on a daily basis. Public employees get paid from tax dollars, which—aside from maybe the big telecom companies—mostly just end up filling the coffers of the big banks.
The asphalt you're driving on is on credit. The water you drink is processed on credit. Electricity, public transit... everything is built on debt.

I don't get who's supposed to be the hero here, grabbing the branch before it breaks. Robin Hood hasn't been reincarnated yet... at least not yet.

What was that yellow thing? And why on earth did Felipe Massa wreck his suspension twice?

(I mean, obviously I was watching...)

That accident from last weekend pretty much killed my appetite for watching this kind of sport altogether..🤷

I'm still reeling from it..

placidfalcon said:The weather was perfect for a morning ride through New York City
but does anyone actually know where to find those exhaust gas masks? You know, for those of us stuck pedaling right next to, say, Broadway in Warsaw. Or maybe someone has a better idea for something else?

That mask you're looking for isn't going to do much against exhaust fumes anyway..🤷

I honestly don't get why the FIA hasn't just gone with a version where you get a set number of DRS uses per race, no strings attached.

It would change everything. You could use it to overtake, or to pull away from someone breathing down your neck, or even just to hunt for a fast lap while your direct rival is stuck in the pits. Once you burn through your allotted five uses—or whatever number they pick—that's it. Game over.

There’d be way more strategy involved, too. It would actually make things unpredictable, which is exactly what this current system fails to do... it just feels flat.☕

Jason Campbell70 said:Look, Mladen, if he was already the youngest world champion in history, isn't it just common sense that Vettel would be the youngest two-time F1 Champion too? 🤔

Your logic is a bit shaky there... ☕
Bravo Vettel🙂

This is the gadget you’re talking about. It works fine, sure, but honestly? You have to wonder if that person can even manage being on their own with a device like this. Usually, emergency services don't just dispatch someone immediately; they call the resident first. If there's no answer, they reach out to you or whoever else is on the contact list to let them know a wellness check was requested.

http://www.presence.com/device.htm

Publicly funded assisted living facilities are generally better because they're usually right in the heart of the city, so residents can actually get out and go downtown. There's tighter oversight, too, and since more people live there, you actually get a chance to socialize and meet people. Most importantly, though—they're cheaper.

That doesn't mean private facilities are bad, obviously.

Joseph Murphy10 said:Look, I get what you're saying—I know it was definitely a possibility...

Maybe I wasn't even aiming for that—honestly.

There’s a JPMorgan Chase ATM right in my office lobby—I’m gonna go check it out and report back here. 🙂

So why even get into an argument if you aren't even sure yourself...😕

casualbear17 said:I need some advice. It feels like a stupid question, but it’s driving me crazy.

I picked up a new wireless combo, specifically the Logitech MK250, but I can’t tell when my Caps Lock is on or off. It’s a nightmare. There isn't an indicator light on the keyboard itself, and there’s no on-screen notification like I used to get with my old Logitech setup.
What gives? 😕???
Honestly, I'm just lost.

There are like a hundred different models out there where you actually have options. This one doesn't even come close. Even my old one was a Logitech (MK250) and didn't have it either.

It's just a matter of getting used to it. 🙂

The test isn't actually complete until you pull that empty cardboard tube out from the center. 😁Maybe Mozda Zewa has one of those heavy-duty rolls that just proves your theory about throwing money down the drain is right on the money...

Just trim your nails already....☕

Maria Thomas48 said:The first guy who shows up in politics without being totally corrupt is Ivan Pernar. It’ll take him some time to connect all the dots regarding economic slavery here in America, but people learn as they live.

I started reading the mystery of banking and gave up. The guy might explain certain technical things well, but he's got errors. For example, he ruins the whole argument by tying the money supply directly to prices. That situation only works if we have a single commodity and all the money tends to be spent on trade. You can easily show that prices don't necessarily have to be linked to the money supply, and they shouldn't be. Prices should be linked to covering costs and hitting a specific profit margin. If the author can't grasp certain things, then he's going to explain a lot of things wrong. I'm not saying he won't explain how banks issue money, but generally, he'll stay intellectually stunted when trying to reach a solution.

And the earnings for the entrepreneur, the workers, and ultimately the banks come from creating some kind of new value. Like, you plant strawberries, wait for them to grow, and then sell them. Those strawberries didn't exist before; now they do. That is tangible and very tasty value.

Everyone here who wants to learn about the money scam needs to distinguish between creating new value and creating money. For instance, nobody has any money, yet you produce strawberries. The conclusion drawn from the money supply side is that the strawberries are free. Is that really how it works? The labor used in growing them has to be exchanged for some other kind of labor. That's where money comes in. Strawberries are a bad example because they aren't a permanent value.

Take an example where a small town has 10 houses and needs 5 more. According to the local money supply, the value of the houses should change once those 5 are built. But the same amount of time and materials went into the construction. It's obvious that to maintain prices, more money has to be injected. It makes no sense to increase the value of money, because then those who hold the most of it reap the profit from everyone else's labor.

Anyway, up until now, I thought you actually believed what you were writing. But after that sentence, it's clear you're just a joker. Good luck to you. 👍

I didn't say for no reason that today's politicians work for the bankers. If we have such a massive error in money regulation, and the Government, the President, the Federal Reserve, and the political parties refuse to fix it (I wrote to them), then it's obvious that politics is just a game for paradise. I said I won't vote for politicians like that anymore because it's just a waste of time. The exception is Ivan Pernar.

Politicians don't work for banks; they just realize that banks and telecom companies make up half of the entire US budget. You even aware of that? ☕

Matthew Evans7 said:Look, whether you're living with your parents (which, based on this post, seems likely) or you just inherited some property is a totally different story. But if people want to live actual lives, they need a place to call home.

It's wild that there are actually people in the US who would write something defending the banks like this. I can only hope you're getting some kind of direct kickback for this, because if you aren't, you're seriously in trouble. It’s not funny—it’s actually pretty depressing that someone could think this way.

You’re getting all emotional about this. I'm just looking at the facts.

The solution to the housing crisis isn't just about owning a condo. It’s more complicated than that.

Swiss francs, Swiss francs... just making sure we aren't totally out of sync here. 😁)

Matthew Evans7 said:I honestly don't get how anyone in the US can actually stick up for big banks. They make insane amounts of money just fueled by pure greed and that whole "because we can" mentality.

Consumers are the ones enabling those profit margins. A mortgage isn't some social welfare program, and nobody is forcing anyone to sign up for one. ☕

Look, I’m not out here defending banks either. I’m just sticking to common sense and basic logic. Logic dictates that a bank—just like any other corporation or private individual—would much rather sell something for $1.75 than for 4...

It’s pretty ridiculous to me when someone from a bank or a guy like The Wolf of Wall Street starts asking for "social sensitivity." That concept simply doesn't exist 🙂

Everyone would be walking around with PTSD if they could get away with it. But then again, if nobody actually had it, the companies manufacturing all that medical equipment would go belly up overnight. It’s just how the system works.☕

It’s just another sponsor. Typical. Everyone looking for a handout these days, chasing that quick check from some big corporation like Amazon or Walmart. It’s all part of the game now. Just more noise in an already crowded room. Jamie Newman5 says:
Is there actually any point in paying rent when you could just own the damn thing? Seems like a waste of money. You're basically just handing cash to some landlord who doesn't care about you. Owning property... it's different. It's an asset. Or at least that's what they tell you. Still, the market is a mess right now. Everything is overpriced. But yeah, renting feels like throwing money into a void. Ownership is better. Usually. Hard to say for sure anymore. 😕

Ask someone carrying a massive mortgage how they’re sleeping lately. Ask them where their head actually goes when they close their eyes at night. It’s all there.☕

You’re free as a bird out there. You can always buy a place later—prices are dropping every single day anyway. You aren't losing anything by renting right now because rental rates have absolutely cratered. Just rent and enjoy the ride.🙂

Rachel Smith9 said:So, I see... it actually makes more sense to go with a mortgage on the property you're buying rather than a different kind of loan. I hadn't realized that. Thanks.
And obviously, I know $30,000 is pocket change—you could barely scrape together enough for a parking spot in most cities with that amount. 😁
But what am I supposed to do when wages are stagnant? My paycheck is tight as it is, and my parents are already struggling just to make ends meet on their social security. I don't have any extra real estate to fall back on, so I figure if I can at least secure a small studio apartment now, who knows where things might lead down the road. 🤷
The part I’m struggling to wrap my head around, though, is how it's even feasible to put a mortgage on a home you haven't actually purchased yet because you lack the upfront capital. 😁
I assume this happens right at the moment the purchase agreement is signed... but doesn't that mean the seller has to be involved in the signing process for the loan as well? Man, that sounds complicated. 😁

Sponzy, Sponzy, where are you headed, buddy? That apartment is going to belong to the bank for the next 30 years, not you, and you'll just be living with a massive weight around your neck. Just rent. It’s easier. You won't care if interest rates drop or spike, or if there's an earthquake tomorrow, or if real estate prices decide to skyrocket again.☕

I own three properties and I'm seriously considering selling everything just to become a renter.🙂

Rachel Smith9 said:Here is the situation I am facing:
I own a 60-square-meter apartment registered entirely in my name, but since my parents currently reside there, the idea of me moving in solo is off the table. My goal is to leverage this property to secure a $30,000 mortgage so I can purchase a smaller place that actually suits my lifestyle. What I am struggling with is the lack of clarity regarding the requirements for this kind of loan. Does the lender focus primarily on my debt-to-income ratio and monthly payroll deductions? Will I be required to find a co-signer to back the loan? Furthermore, which major US bank would you recommend approaching for the best terms? HELP!

😍

In an age of endless internet access, Google, and banks on every street corner, I don't get why you're starting with a forum. 🤷

First off, any info you pick up here needs to be verified at a bank anyway. Second, no matter what anyone tells you, the bank gets the final say. And third, there is already a massive amount of stuff written about this online.

Charles Fox10 said:I'm with my colleague here. I don't have much to add, and personally, it didn't click for me right away. I wish they'd given me a few more sentences to work with; at some point, you'd think it was the OP's job to actually steer the conversation in a direction.

Basically, if a thread starts off poorly but has potential, it turns into trolling, then gets banned, deleted, and before you know it, there's no trace the topic ever existed.

That’s the whole point of having a decent moderator. It shouldn't be about whether a mod "clicks" with someone personally. They just need to follow the rules with a level head. I followed the rules, but the moderator locked this thread for no reason and then had the nerve to give a condescending reply in that other post above.

So?

What now?

Nothing for anyone, I guess. The thread is still locked...