Joey K

6K posts

Joey K

Joey K

@Kooterrific

가입일 Mart 2018
513 팔로잉86 팔로워
Joey K
Joey K@Kooterrific·
@Abaraxoid @STAYselling_JJ @Mithrandir48 Why would a bank give you a better deal if they don't have to? Nothing in it for them, but less money. Multiple loan officers told them they were stuck and couldn't be helped. One actually told them to walk away as long as they weren't looking to buy again within 7 years.
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Jeff A 🧙‍♂️
Jeff A 🧙‍♂️@Mithrandir48·
Elder Millennial here, I bought my home in 2008 with a 6.25% interest rate. It actually looked like a good time to buy since prices had already dropped around 25%, first time that ever happened. My house was worth less than I paid for it for about a decade & I dealt with zero raises for about 4-5 years and I was lucky to have a job. As bad as it looks now, it was worse in the window of 2008-2013.
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Joey K
Joey K@Kooterrific·
@STAYselling_JJ @Mithrandir48 Can't refinance when your house is "worth less" than when you bought it. I had a friend that bought at the peak in 2005 with a 7% rate. House cut value by half and he couldn't refinance or sell because he was so upside down. Those 10 years were brutal and full of foreclosures.
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Mulletsummer
Mulletsummer@STAYselling_JJ·
@Mithrandir48 Throughout that time., You probably had at least one chance to refinance to 3% approximately?
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Jordan Moore
Jordan Moore@iJordanMoore·
Oklahoma is doing something we’ve never seen in college baseball before. They finished with a sub .500 record in the SEC, didn’t win one game in the SEC tournament but still made the NCAA tournament. They’ve now won 9 straight, beating #2 overall seed Georgia Tech, #15 Kansas, #7 Bama, #3 Georgia and are one win away from beating #5 North Carolina for a National Championship. When you’re hot, you’re hot 🔥
Jordan Moore tweet media
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Joey K
Joey K@Kooterrific·
@VanMottola @iJordanMoore @spreadheadsfa If it wasn't his first year, I think he would have been fired. 2 top 10 picks on this team and getting bounced in the Regionals is a disgrace.
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Van Mottola
Van Mottola@VanMottola·
@Kooterrific @iJordanMoore @spreadheadsfa Your coach should resign in shame for his tactical move up 8-2 over Oklahoma and best reliever available- “let’s save him for tomorrow after our lesser arms blow this lead.”
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Joey K
Joey K@Kooterrific·
@veronicaconway @apxmindset Why would u marry someone who is "terrible" in the bedroom? What kind of relationship is that? There's thousands of stories on here of women talking about low sex drive, hormone imbalance, medical side effects, but sure it's the guy who "sucks in bed". The guy she chose to marry
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Veronica Conway
Veronica Conway@veronicaconway·
@apxmindset Most dudes suck in bed. Well sexed orgasmic women crave sex more then men. This is a skills issue. And just because some other woman will tolerate him doesn't mean he's better.
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Paul Benjamin
Paul Benjamin@apxmindset·
For women who think this way, let’s make a deal. You do all the non sex things for your man. He does all the things for you. And there isn’t a sexual relationship just like you want. But then he gets to have sex with someone else who’s likely hotter and more fun than you are. And no you don’t get to have sex with someone else too because you are the one who removed the sex from the relationship; if you want sex you have to rekindle that from the guy you married. Sound like a good deal to you ladies who want a marriage without fucking your husbands?
Diane Yap@RealDianeYap

What men have taught me this week is that but for the sex, your husband would leave you. Maybe that’s not all you are to him, you do other useful things too like take care of the kids, do the chores, etc. but without the sex, he doesn’t want you. How depressing is that?

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Joey K
Joey K@Kooterrific·
@iJordanMoore @spreadheadsfa As a Ga Tech fan, watching them buzzsaw everyone is killing me. Tech had them dead to rights and blew it. Tech already crushed UNC in the ACC championship and beat up UGA earlier this year. No way they wouldn't have won the CWS in this pathway.
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Jordan Moore
Jordan Moore@iJordanMoore·
@spreadheadsfa dominated everyone outside the SEC. Ironically, then beat the best of the best in the SEC in the World Series.
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Joey K
Joey K@Kooterrific·
@olavilaitala @ThinkAppraiser That's the missing part of this story. New flooring, paint and some new appliances doesn't raise a value $200K. He just made 3 smaller rooms in an already tiny house. Unless the house was in total disrepair, which would cost more than $70K, doubtful you get that much growth.
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Olavi Laitala
Olavi Laitala@olavilaitala·
@ThinkAppraiser It feels like the property was seriously mispriced from the beginning. But ofc finding mispriced props help you on the way to riches.
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think like a real estate appraiser
think like a real estate appraiser@ThinkAppraiser·
Just did an appraisal for an investor. He bought a fixer-upper 1100 ft.² two bed one bath. For around 300 K. He put in a new kitchen, new flooring, new paint, new windows and made it a three bed two bath New market value based on remodeled comparables with three bed two bath $500,000 I’m guessing he spent 70 grand on the remodel and created $130,000 worth of value in a couple months I’m guessing he’s either doing a cash out refinance or right term refinance to lower his payment Market rent is probably 3200 a month which should cover most of his mortgage His goals then to do a lot split and l:or build an ADU on the back half of the lot where the garage is If he builds a 1200 square-foot ADU in the back lot and does a lot split they are now worth about $500,000 each It will cost about 300 K to build the back house, but he can finance all of that through a bank construction loan So to recap: Guy finds a fixer-upper for 300 K Invest 70 K making a three bed two bath Increase market value 200,000 on the front house Rent that out to cover the mortgage Get a construction loan and build a second house in the back for 300 k Create 500,000 worth of value on the back house Combined value 1 million Refinance everything at 1 million get a $670,000 loan to cover everything Congratulations you just created $330,000 worth of value out of thin air with some sweat equity and hard work If this whole process takes you two years and you do just three of these projects in your entire life you are now a millionaire That is the power and beauty of real estate when you find the right property and use the right leverage Pretty cool.
think like a real estate appraiser@ThinkAppraiser

If you want to get into real estate investing, pick a solidly blue collar to lower middle class area, if you’re in California and you’re just starting out looking in the city of San Bernardino Everybody talks a lot of crap about it, but that’s where the opportunities are That’s where prices are lower that’s where distressed owners live. That’s where wealthy people bought and no longer want to own. You need distress and motivated sellers to create opportunities for you as an investor You can use the same blueprint in any city in the country If you’re in Tulsa, Oklahoma, you can look in West Tulsa or north Tulsa Prices are lower, but opportunities are everywhere Do you think that works in any state? I do. Good idea on a place to start find a small two bedroom one bathroom anywhere from 850- 1200 ft.² buy it as a fixer or something that needs love and turn it into a three bed two bath In San Bernardino, you can buy a two bedroom one bathroom for under 300 fix it up making a three bed two bath and sell it for over 500,000 if you pick the right property I know this because I’ve done it and I’ve also appraised multiple properties that have done the exact same thing Hook up with wholesalers in the area that you want to own in, the area you want to rent in and the area you want to flip in Drive the neighborhoods and learn the areas. Learn the neighborhoods, learn the good the bad the ugly. Create a buy box in an area that you see other people doing the exact same investing that you want to do and just copy them 99% of success in real estate is just looking around and copying what successful people are doing

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Joey K
Joey K@Kooterrific·
@Romy_Holland @kramerposts After hearing that every European country is poorer than Mississippi, it's probably a full step or more down. Not comparing healthcare and college (because that's not lifestyle), but the regular day to day stuff we blow money on.
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Romy
Romy@Romy_Holland·
@kramerposts yeah i think americans don’t realize that almost nowhere outside of western europe is anywhere near this nice/wealthy, and even most of western europe is a half step down in terms of standard of living by american standards.
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Romy
Romy@Romy_Holland·
my most boomer take is that not enough ppl have a sufficient dose of the great depression alive and well in their family. my mom was raised by depression-era parents and she did things like reuse aluminum foil until it was falling apart. i don’t do that, but i do mostly cook all of my own food and buy secondhand furniture and stuff. the ppl in my replies telling me lip gloss costs $45 now aren’t broke bc of wage stagnation, they’re broke bc they’re buying $45 lip gloss they saw on tiktok instead of buying $7 lip gloss like a normal person. and a single $45 lip gloss won’t bankrupt you, but living like that across the board sure will.
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Joey K
Joey K@Kooterrific·
@MorosKostas @EdwardKRyan @2aHistory Even a mandatory 401K has risks. Look at 2008. It eventually comes back, but if you're in the middle of withdrawing, it could bankrupt you. SS is guaranteed income, no matter what happens to the market. It has to be mandatory, but in ultra safe bonds or something similar.
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Kostas Moros
Kostas Moros@MorosKostas·
@EdwardKRyan @2aHistory Ya, you'd need to turn it into a mandatory 401k sort of thing. If you just let them keep their money, most would blow it and then you'd have a bunch of broke old people and outcry to give them free shit anyway.
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Kostas Moros
Kostas Moros@MorosKostas·
This is funny because if you call social security an entitlement, you immediately get angrily told "it's not an entitlement! I paid into it my whole life!" Not so. The average boomer will get much more back from social security than they paid in. And even more if you count medicare too. Long term, it would be much cheaper for us to give them back everything they paid in (adjusted for inflation) than to actually pay out the promised benefits. Of course, that wouldn't work if you applied a fair interest rate, because of the decades of compound interest we forced them to miss out on to do this idiotic ponzi scheme. (This is why the boomers aren't entirely wrong to oppose changes, we were all forced into this BS) We should make social security live within its means once its IOUs run out in 2032 or so. I.e., it should only pay out what it actually takes in. That would mean a roughly 20% cut to promised benefits, but it would also dramatically reduce our deficits. Will never happen though, because retirees vote in large numbers and they'll have a politician's head for even daring to suggest that.
Russ Greene@GreenPlusAnE

89% of senior citizens support raising taxes on younger workers to maintain their benefits. The median primary voter is 65.

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Joey K
Joey K@Kooterrific·
@NickIsAMetsFan @BeaneaterB I hate to break it to you, the Mets had to sell their season so the Knicks could win. Thems the breaks.
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NickIsAMetsFan
NickIsAMetsFan@NickIsAMetsFan·
@BeaneaterB 21 games ABOVE .500 and 75 Games ahead in FIRST PLACE Who cares if those things happened
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Beans (Beaneater Buzz)
Beans (Beaneater Buzz)@BeaneaterB·
Bad things that have happened to the Atlanta Braves this year. -Lost Ha-Seong Kim to finger surgery because he slipped on ice. -Lost Spencer Schwellenbach for 6 months. -Lost Hurston Waldrep for 3 months. -Lost Spencer Strider for a month. -Lost Raisel Iglesias for 2 weeks. -Lost Drake Baldwin for a month. -Lost Sean Murphy for a month due to hip surgery in the offseason. -Lost Sean Murphy for 3 months due to a broken finger. -Lost Ronald Acuña Jr. for 3 weeks. -Lost Ronald Acuña Jr. again for 3 weeks. “Nothing.”
NickIsAMetsFan@NickIsAMetsFan

How Every MLB Team is Doing This Year Tier List

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Joey K
Joey K@Kooterrific·
@t7tch @Srojas78 @KGrahamContent Well to really blow your mind.... we're starting to get a team (LA Dodgers) that is outspending everyone else and buying championships. Because of this, the owners are going to lockout the players until a new salary cap is introduced! And most of the fans want it!! For parity!
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tm
tm@t7tch·
@Kooterrific @Srojas78 @KGrahamContent No continuity then, you’ll all get your turn kinda shit? You’ll never understand the feeling of a cup run of a lower league team
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Joey K
Joey K@Kooterrific·
@knowles204 @heat_ball @Srojas78 @KGrahamContent So wait, a big club can just buy all your best players? How do the little guys ever keep the best players? Seems like it would be difficult for a poor team to ever rise up if they had to keep selling all their good players.
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David Knowles
David Knowles@knowles204·
@Kooterrific @heat_ball @Srojas78 @KGrahamContent Big clubs buy them or they run their contracts down and then can look for a free transfer to a bigger club. Big clubs buying players from lower leagues inject cash into those clubs and its a big profit center for them.
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Joey K
Joey K@Kooterrific·
@_s_h_i_s_h_i_ @Srojas78 @KGrahamContent Our minor league teams are owned by the pro teams. When that player gets developed, they move up to the next level until they reach the pro team. The smaller cities can't support a huge pro franchise. Especially the real low level teams. Zero infrastructure for that.
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Joey K
Joey K@Kooterrific·
@heat_ball @Srojas78 @KGrahamContent I know zero about European football. Are those players tied to a big club like they are here? How do they get from the low levels to the top league? The repercussions are fans don't show up and the team loses money. There's not a single minor league team better than any pro team.
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heatfan
heatfan@heat_ball·
@Kooterrific @Srojas78 @KGrahamContent This conversation isn’t about player development, it’s about jeapordy and repercussions for teams who lose? And football also has lower leagues where players can develop. So how is that unique to American sport? In fact, football also has U21 leagues where players can develop.
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Joey K
Joey K@Kooterrific·
@investor_bod @Srojas78 @KGrahamContent I get it, we're just not set up for that. Our top minor league teams have tiny facilities compared to the big clubs. Most are in remote cities not near anything. Pro leagues are set up to try and keep things equal, not run teams and fans off. It's a business, still just a game.
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James
James@investor_bod·
@Kooterrific @Srojas78 @KGrahamContent Why even have a league if there’s no consequence to finishing bottom? Not sure why you can’t see this is actually the same argument as the ‘why have ties’ one.
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Joey K
Joey K@Kooterrific·
@Srojas78 @KGrahamContent I think that's 2 different issues. They are a .500 team this year and in the WC race. But the fans are completely indifferent because of the lack of spending. They've won a World Series more recently than half the league, lol.
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Joey K
Joey K@Kooterrific·
@NORAD_Jones @Srojas78 @KGrahamContent We don't have lower level leagues where there are all star players playing. If you're amazing, you get moved up to the pro team. No one is keeping high quality players down in the minor leagues. Plus the minor league teams have tiny stadiums and couldn't host pro events.
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탐색

@Abaraxoid @STAYselling_JJ @Mithrandir48 @BayouBatFlip @iJordanMoore @spreadheadsfa @bstock98 @VanMottola