Ben Davis

457 posts

Ben Davis

Ben Davis

@BenDavis345244

Katılım Ekim 2024
20 Takip Edilen18 Takipçiler
Ben Davis
Ben Davis@BenDavis345244·
@UziCryptoo Chatgpt on how much they lost by paying off the mortgage early rather than investing over that 5 year period: So the clean takeaway is: Best estimate: they likely gave up around $115,000 in net worth. Reasonable range: $100,000–$130,000.
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Uzi
Uzi@UziCryptoo·
Just heard the best/worst caller on the Dave Ramsey podcast. Married couple, under 30. $145,000 household income. Came on the show to celebrate paying off the mortgage on their $450,000 Georgia home. Said they starting paying it off early 5 years ago, meaning they had a low interest rate home loan (probably <3%) and started to aggressively pay it down right as interest rates were starting to rise. Dave Ramsey loved it, launching into a lecture about how 26-year olds who say they can’t buy homes should look at this couple for inspiration. Hahaha.
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Ben Davis
Ben Davis@BenDavis345244·
@StealthMode987 @UziCryptoo If they had the mortgage more than 5 years ago, it would have very very likely been under 3 percent. I've worked 10 years in the mortgage lending industry.
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Stealth Chief Investment Officer
@UziCryptoo No guarantee it was under 3%. Not everyone refinanced. Paying off debt is both over and undervalued. One camp totally ignores the lost return via opportunity cost The other camp ignores the fact you are achieving a higher risk adjusted return (when debt rate > cash rate)
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Ben Davis
Ben Davis@BenDavis345244·
@aldane_louw @xym11336600 None of those tactics would work. Rear naked choke to the dog to deprive oxygen is the only method that is effective.
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aldane louw
aldane louw@aldane_louw·
@xym11336600 This made me so mad because the man is a BITCH!! Also stick your finger in the dogs butt or grab his balls isn’t this common knowledge by now?
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玖日
玖日@xym11336600·
孩子是多么的无助,公共场合狗要牵上绳子。听惯了那句话“我家的狗不咬人”
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Lee in Iowa
Lee in Iowa@Lee_in_Iowa·
Boomer here. I bought my first house after ten years of saving like crazy. And the interest was 14.5%. I don’t know where kids got the idea that they were due a house and new car at college graduation, but that’s NOT how it ever was.
heretical lakeloon@loonlake55

Too many young people are resenting Boomers, claiming that Boomers had it " easy " financially in their youth. Here are a few fun facts about growing up Boomer. 1. Almost everyone grew up with one bathroom. Mom, Dad and all 3-6 siblings. 2. If you did get to take a vacation, you drove. With no air conditioning. No cup holders. No iPads. Just black vinyl seats and bologna sandwiches. 3. There were no club sports. No Parks and Rec activities. Summer camp was for rich kids. Get yourself a bike, a stick and a few friends. If you were bored, you laid in the grass and looked at clouds. 4. You ate what was served. Even if it was chicken livers. No DoorDash, no backup Totino's rolls. 5. No AP classes, no PSEO, no "fun" elective. They assigned you to a class. You went. You did what they asked. Or else. 6. Unless you had rich parents, you had a nice VFW wedding. Maybe rent a room at a modest hotel. 7. Most Boomers got their first pedi and mani in their 50s (when their feet got farther away). We didn't even know people got massages in real life, only in Hollywood. 8. You packed your own lunch for decades. 9. No one knew what red light therapy was, a facial, a spa day, or a cold plunge. Your gym was the YMCA. Usually in a rather old building. 10. We grew up with 18 percent inflation, 14 percent mortgage rates, 3 million continuing unemployment claims, and 200 other applicants competing for the same job. Now, this is not to say Millenials and Gen Z have it easy or don't face problems. It's just to say, nobody has it easy or doesn't face problems. My only hope, as my mom would say, is I live long enough to see my kids' kids complain about how easy they had it!

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Ben Davis
Ben Davis@BenDavis345244·
@not_rekt_11 I've seen like 3 video this week of them slamming white dudes during basketball games. Zero impulse control
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Dark Side
Dark Side@not_rekt_11·
Acting like that during a friendly basketball game and targeting a kid half his size is beyond insane. Why are they always so violent?
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Ben Davis
Ben Davis@BenDavis345244·
@B1TuckerCarlson I challenge you to a MMA fight. Let's set it up and live stream it.
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Ben Davis
Ben Davis@BenDavis345244·
@sinowarrior01 @CyberGreen09 You're saying lumberjack veterans that bust their ass to get the products your lazy bitch ass lives in deserve to live in poverty?
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CyberGreen09
CyberGreen09@CyberGreen09·
Americans are getting laid off every day while foreigners on work visas, (often hired through ethno-nepotism, fake credentials, and shady kickbacks), get to live the American Dream. They're buying new oversized homes in Texas while American workers can't even start families.
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Ben Davis
Ben Davis@BenDavis345244·
@prinkasusa I've done both - Being a stay-at-home dad is 10x easier. It was easy and fun. Women today are just lazy.
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ً@prinkasusa·
My sister runs the whole house...kids, meals, everything while her husband works and is very successful. He's super disciplined too: gym, yoga, perfect routine. But when my sister got sick for a few days, he had to take time off work to manage the house and kids. He even missed an international conference and a few work opportunities because he had to stay home. By day two he looked exhausted and completely overwhelmed. It made me wonder how many successful men are successful because someone else is quietly managing their life doing unpaid labour. And what women could achieve too... if they also had a wife at home.
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Ben Davis
Ben Davis@BenDavis345244·
@lyskompis @StefanMolyneux You knowing these sorts of details while accusing someone else, who is married to a woman with a kid, of being gay, is beyond ironic. Clown POS.
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enlightened buddy
enlightened buddy@lyskompis·
@StefanMolyneux Gays like to stand with their asses close to hot stoves. For some reason. Also, the lower button is supposed to be undone. Not even going to start with the tie. Everything about this picture screams gay
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Joseph Carlson
Joseph Carlson@joecarlsonshow·
I will be buying more Meta.
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Ben Davis
Ben Davis@BenDavis345244·
@contigieux @AmericaPapaBear If a parent took a baseball bat and broke their kid's legs, you clowns would still be posting "spare the rod, spoil the child". You're a POS.
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AmericanPapaBear™
AmericanPapaBear™@AmericaPapaBear·
🚨MUST SEE: Father goes live on IG and spanks his son with a belt when he finds out he’s been smoking and disrespecting his mother. Is the father in the wrong here?
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Ben Davis
Ben Davis@BenDavis345244·
@Dee_Batch @topvideos___ Africans Americans are spanked by their parents at the highest rates, followed by Hispanics, then Whites, then Asians at the lowest rates. Hitting children doesn't translate into better life outcomes - Black people have the highest incarceration rates/lowest income per capita
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Dee Batch
Dee Batch@Dee_Batch·
Before all you pussies say anything. Spanking like this can make a world of difference in this kid's life. He now knows there are consequences for his actions. He will think twice before doing some dumb shit. Which will most likely save his life as he gets older. Thats the problem, these kids have no consequences. The FAFO and the dead cause they were never taught this valuable lesson.
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Top Fights
Top Fights@topvideos___·
Father beats his son on IG 📸live after he got caught smoking and disrespecting his mother
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Ben Davis
Ben Davis@BenDavis345244·
@topvideos___ This abuser should be locked away. Actually, if anyone wants to contact this coward that beats children and put him up face to face against a real man who can defend himself, let's make it happen. Let's arrange a MMA fight. I'll give him a beating he'll never forget.
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Ben Davis
Ben Davis@BenDavis345244·
@TresTilo @BasilTheGreat You're right - white men are completely neutered and docile. It's really pathetic. I'm the exception to the norm these days.
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TresTilo
TresTilo@TresTilo·
@BasilTheGreat The worst part is her dad will do nothing. You western men are so weak, and never stand up for yourselves. It's super annoying to watch. Nobody in this video would be breathing if you did this to a latino family. Nobody. Not one.
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Basil the Great
Basil the Great@BasilTheGreat·
It's absolutely awful to watch They shouldn't have to grow up like this There is an epidemic of violence against little white girls in the west
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Ben Davis
Ben Davis@BenDavis345244·
@Mlu__N2 obsessing this much on ocd level tidiness while heart disease is just around the corner is wild.
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Mlungisi Ntshangase
Mlungisi Ntshangase@Mlu__N2·
She really don’t be playing about keeping everything extremely clean.
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