David Mellinger

@DanWetzel Really? Why? What makes it terrible? Kinda like it. Feels, I do t know, kinda NFLish with lots of wildcards. Regular season carries lots of weight. What’s not to like?

This is an astoundingly terrible idea, of course. Can’t imagine how anyone who actually likes or understands college football would support it.

@StevenCheah Picking up that same day? And on the street? Garage doors closed? Hell yeah….

Hypothetical question: if you’re taking your dog for a walk and they poop can you throw that poop (which you’ve bagged) in another person’s trash can if that trash can is out on the street?

@HawkGuyEnjoyer Yuck. I I like Herky. But yuck.

Beth…..pwease

@Mylovanov Not. Gonna. Happen.

Graham: I’ve never been more hopeful. Trump said Putin wants him to meet with Zelenskyy, agreeing to a trilateral meeting. If it happens, the war could end before Christmas. If not, Trump has to use severe consequences on Putin and buyers of his oil. 1/

@1speedo @JonBowzerBauman No

@JonBowzerBauman The US and Russia are natural allies. Murderous leaders have gotten in the way, but that could end.

I’ve been around for 77 years & there’s never been anything like the Republican Party turnaround on how it feels about Russia. It’s absolutely mind boggling. And all for fealty to a lunatic. EVERYONE involved should be mortally ashamed.

@theejoeydee @JonBowzerBauman No

@JonBowzerBauman I've never had a turn around about Russia. I've said since I was 18 they make a better ally the foe and support any measure to achieve that.

@JoshJoshies @JonBowzerBauman No

@JonBowzerBauman Russia is our natural ally. Has been for some time.

@LouStagner 99%

What percent of golfers... That have a handicap index themselves... Have no real understanding of how the handicap system works?

@realEstateTrent I get it. It’s not a financially savvy decision to payoff a low interest loan. But, there’s something to be said for peace of mind. And, many times, it’s a cash flow issue…

I’ll take a different approach: If somebody offered you a loan today at a rate of 1%, fixed for 30 years, would you take it? As anyone who’s followed me for a while knows, I’m very conservative on debt. But the “all debt is always bad no matter what” crowd is deeply misguided.

A few weeks ago I met a 25-year-old general contractor I was very impressed by. He works like crazy, grew up in the family business, and is helping take things to the next level. I could tell he was doing well, and he proudly told me he recently paid off his house, which he clearly thought was a brilliant financial move. I asked him what his rate was. He said 3.25%. I tried to be encouraging, but I asked why he chose that path. He said he was motivated by a famous financial guru he follows. (I won’t mention the name here.) Here’s the problem: at 3.25%, his mortgage was essentially free money. Paying it off “earned” him 3.25%, but it also meant he gave up the chance to earn 7–9% in the market for decades (based on average historic returns in the S&P 500). Let’s say he borrowed $500K. His monthly payment would be about $2,200 - totally manageable given his age, earnings, and locked rate through his early 50s. If instead he had invested that $500K in the S&P 500: After 10 years, history suggests it would likely be worth $1.0M–$1.2M. By paying off the house, that same money will just sit as equity, likely worth only about $685K. That’s a $300K–$500K difference by his mid-30s. And the gap keeps compounding: over 30 years, the missed opportunity is millions of dollars. Yes, everyone’s situation is different, and financial decisions aren’t only about math. But for this young man (who I’m actually hiring to install our pool), listening to that “free” financial guru just cost him a fortune.

@conor64 And this right here is why the dems lose…

Why would Democrats elevate a guy far enough left that he'll alienate centrists and independents, yet still disliked by socialists, w/ ethical baggage that will alienate all who want a return to moral leadership, and whose governing record is years and years of CA dysfunction?

@shawngorham Oh I don’t know. There’s significant risk to the lender in these transactions. If they get their due diligence right, I would agree. But, that’s not always the case. And as a lender, all it takes is one major loss to severely screw your operation.

Hard Money is the most secure position on a deal! Think about this: I should be buying a deal at 70-80% of After Repair value less repairs. Lenders will loan at 80-85% of my purchase price and require rehab reserves or a holdback Ultimately lenders are loaning 50-60% of ARV High interest - 10-12% Points - 1-2% of the loan Fees - $1000-2000 per loan As long as the lender gets the value right and understands the repair budgets, its very hard to lose.

@FiSurgi Well, it expands the base of the financial pyramid that supports the valuations of crypto…other than that, not many justifications…

Help me understand the benefits of PE and Crypto being available to 401Ks. Please explain that one. I want to see the mental gymnastics required to make this argument.

@realEstateTrent I would ask what his line of business actually is? Is it significantly cyclical? If so, paying off the mortgage, regardless of the rate may be a decent risk management decision. Your point is totally valid, but there may be other factors that carry weight.

@nickgillespie It’s called fascism.

This sort of state capitalism is illegitimate and awful.

@wolfofx Reacted that way with my 1st when she walked. Was pleased when my 2nd to her 1st steps. Pushed my third back down on the floor….ya live and learn..

Parents 1. This is a moment parents will never, ever forget

@Reds_Herring @jimgeraghty Oh fuck off…

@jimgeraghty What do you think Obama, Biden and the Dems were doing to us allowing an invasion of 20+ million foreigners with deadly drugs, gang affiliations, child predators and illegal bodies they insisted be counted for redistricting and representation in the House and Electoral College?

As I keep emphasizing, picture a hostile foreign power invading and occupying ten U.S. states, committing all manner of war crimes within them, bombarding the other forty that remain independent and trying to conquer them, and idiots asking, "why are the Americans prolonging the war?"

@Conservative_X1 @jimgeraghty Because those 10,000 are fucking invaders. Want peace? Get the hell out of the country…damn, you right wingers used to have vague understanding of how the world actually works. Appears now you just bend other and take it..

@jimgeraghty If you were in charge of Imperial Japan, hundreds of thousands more people would have died in a some ill-conceived "defense of the homeland" charade at the end of WWII. Ukraine has no hope of total victory. Why do tens of thousands more need to die to soothe your desires?

@mburm201 @jimgeraghty The point? It’s the same as it’s been since the Cold War got started. We pay so that the fighting stays “over there”…

@jimgeraghty What is the point of funding endless war in Ukraine if there is no reasonable chance of victory?

@acaseofthegolf1 lol! I was gonna say you need to be careful. Tendons and ligaments ain’t as supple as they once were, at 48. But, as your opponents are 5 foot and 100 lbs, I think you’ll be ok!

It’s been a LONG time since I played full game of basketball. But went to the park today and age 48 I pretty much dominated. Scored a bunch of points, blocked a few shots, assists, rebounds. Pretty happy about it. The 10-year olds on my son’s travel team seemed less happy about it, but #playbetter

@realEstateTrent Put solar on our new place in Phoenix in 2022. Intended to pay cash until the solar company offered 1.99% for 20 years. Wont touch it until I have too..

Appreciate you sharing this. I would very respectfully advise you to revisit your thinking on this. It is a HUGE financial benefit to have a 2.25% fixed rate.