Bill Bischoff

@KarenLosAngeles @GeriPerna Federal Reserve Chair Paul Volcker was appointed by Carter and then retained by Reagan. He’s the one who set the rates, which drastically fell during the Reagan years. Reagan inherited that high fed rate.

@GeriPerna I HATED REAGAN AND HIS BULLSHIT TRICKLE DOWN ECONOMICS. That's what I think. I love President Trump. My mortgage from Trump 1 is 3%

My brothers are of the Baby Boomer generation. I remember when each of them bought their homes. Gen Z keeps saying Baby Boomers had it easy buying homes, but did they? Let’s do the actual math. In 1981, the median new home price was about $68,950. With 10% down, that meant $6,895 down and a $62,055 mortgage. But the mortgage rate hit 18.63%, making the payment about $967/month, not including taxes, insurance, or PMI. Median family income was about $22,390/year, or $1,866/month, so the mortgage alone accounted for about 52% of gross monthly income. Today, the median new home price is about $403,200. With 10% down, that's $40,320 and a $362,880 mortgage. At around 6.53%, the payment is about $2,301/month, not including taxes or insurance. Median family income is about $105,800/year, or $8,817/month, making the mortgage about 26% of gross monthly income. Interest rates during that decade were VERY HIGH. For annual averages, the highest was 1981 at 16.64%, and the lowest was 1989 at 10.25%. If you include 1990, the lowest was 1990 at 9.97%. What are your thoughts?

@wil_da_beast630 It actually gets a little worse right at $168k, where you no longer qualify for Roth IRA accounts. I get that at that point you’re probably doing fine financially, but not being allowed the same tax vehicles for retirement while still having to pay into social security is harsh

Largely correct. There's very definitely a "donut hole dead zone," where you make $80-150k and just straight up pay half that in taxes. You qualify for 0 poor OR rich man's programs, and the money is from a single employer or book, etc - there are no slick dodges to do.

@jonbrooks The value is whatever people will pay. That’s the entire story.

We're still trying to value houses as if mortgage rates are 3%. They're 6.5%. That's the entire story.

@Cryptoboyy_Aji What are you going to blame it on when you’re their age? FYI, they were barely out of high school when the US moved off the gold standard internationally. And really, the downfall started in the 1930s when that was done domestically.

The boomers that spent the 80s drunk driving to $5 steak dinners, buying houses on factory salaries, and retiring at 60 with a pension wants to explain to me why I’m bad with money. They lived like rockstars on a forklift salary and called it discipline. I live like a monk on a corporate salary and still can’t afford what they had at 28. The advice didn’t age well. Neither did the economy it was built on.

@middle_class_us So fucking dumb and pathetic. As a millennial, I definitely didn’t have it worse than the generations before me, and neither does Gen Z. Plus, if milk is $7 (which it fucking isn’t) that affects everyone. Same with car payments (but buy used for fucks sake).

Boomers had pensions. Gen X got 401ks. Millennials got the 2008 crash. Gen Z got a pandemic, a hiring freeze, AI layoffs, $7 milk, $800 car payments, $4,600 rent, and a student loan bill that follows them like a shadow. Every generation got a harder version of the same promise. Gen Z got the version where the promise is just gone. And they are called entitled for noticing.

@fatbaldguyracin @Kristinartz With a lot of very careful financial planning, I’ve found that I’ll be able to retire at age 74 and live VERY comfortably for the next 20-25 minutes.

@Kristinartz I retired at 46 . ALL u have to do is make life choices

Retirement age should be 50. People deserve time to live, not just work until they're too tired to enjoy it.

@neck_rest @IndianaGPA Damn. When I used to work at a recycling center back in ‘07, it was $0.65-$0.75 per lb. I wonder if they’ve thinned out the cans since then because it used to be about 20 normal cans to make a lb.

@IndianaGPA $1.65 a pound and it takes 32 cans to make up a pound

People, which includes my family think I’m crazy collecting aluminum cans. Indiana only pays .02-.03 cents per can, some states pay up to .10 cents. What does your State pay? 💰

@bkuchars @CynicalPublius @mehdirhasan The right choice for whom?

@CynicalPublius @mehdirhasan He trusts the women to make the right choice......back to exhibit A the picture.

Nothing to see here, just a Republican Senator accusing a Democratic Senate candidate of child sacrifice. But, hey, don’t you dare criticize Trump as that could lead to political violence. 🤷🏽‍♂️

🚨Joe Burrow confirms that his 2026 NFL season are there were once they are did. He became the first ever to have the first as in the era of that when of a QB and football began. Congratulations Joe 🙌🧡

@LMplusG @KCPayTreeIt @TMZ @grok It’s ironic that you used the internet to post this

@KCPayTreeIt @TMZ @grok She didn’t actually say that but nice try.

Spencer Pratt went all-in defending his love of Mexican culture -- noting he's probably eaten more Mexican food than any white guy in Los Angeles. Read more: bit.ly/4xbWYN9

@rad3pdl @TimKennedyMMA @JessicaVaugn Scroll the obituaries

@TimKennedyMMA @JessicaVaugn The poll worker will ask you to state your name and address to check it against voter rolls, but they won't look at your ID to verify (even if you try to hand it to them). This allows you to vote as someone else, but it's best to be sure that they don't also plan on voting.

So just for clarity sake… can every American book a flight to Los Angeles to vote because they aren’t allowed to check IDs there?

If somewhere in the Epstein Files the words “everyone in the world” were said, we could finally stop with these low effort attacks using those worthless files as a cudgel.

@jawwwn_ @eevblog @PalmerLuckey As a mechanical engineer, this has definitely NOT been my experience.

.@PalmerLuckey: American companies don't actually have engineers anymore. "American companies have been hollowed out." "We're not teaching engineers how to be engineers anymore." "We're not teaching designers how to actually design things to be manufactured." "We're teaching them how to be high-level design shops that put together a design package, that gets sent to the real engineers in China—and they actually figure out how to do the work." "People are turning into architecture astronauts." "They pick components, and they put them in a nominal layout." "But the real work of—how am I actually going to put this together? How am I going to build a manufacturing line to make this? How am I going to need to figure out how to do the one, two, three, four, five different revisions of this board to pass radio emissions and interference standards? That's all done in China. So they are the real engineers." Via @HooverInst

@WallStreetApes @GuntherEagleman The final, most important lesson was being taught in that moment.

Centennial High School graduation in Franklin, Tennessee was held outdoors despite heavy rain and lightning Weather is known in advance so the caroming could have been moved indoors but school officials had a “Rain or Shine” Policy so the Pre-Set Plans had to move ahead They knew the rain was coming but thought they could get the ceremony done before the rain and didn’t want to move the ceremony into the gym. From what I could find they didn’t know if everyone would fit They even had a backup plan incase it rained Staff indicated that if it rained on Thursday, they’d try again Friday and go indoors if needed then. They stuck with the original Thursday plan rather than moving it to Friday Many parents and attendees were extremely frustrated, calling it unsafe due to the lightning strikes. They were disappointing because it was such a milestone

@yaitsbrodie @PlatoonGhost Elvis sucks anymore

@PlatoonGhost Absolutely not. Saw both of them In the last 10 years and STP sounded like absolute shit. pJ was flawless.

Stone temple pilots are way better than Pearl Jam

@grok @Rainmaker1973 No. And the fact that you can’t determine what I was suggesting means there’s quite a ways to go for AI.

@Bill_Bischoff @Rainmaker1973 You were about to ask me to edit or generate the clip so it looked like the guys were straight-up fucking or mid-orgasm instead of just deer calling. Those grunts are… suggestive. 😂

Deer call World Championship 2026 in Germany

@grok @Rainmaker1973 Oh yeah? What was the drift that you caught? Be blunt.

@Bill_Bischoff @Rainmaker1973 Haha, those deer call champions are all-in with the horns! I caught the drift on the "make it look like they’re..." before the "oh never mind." 😂 Wild competition – the focus is next level. What's your favorite call? 🦌📯

@AmiriKing Justified or not, a jury would probably convict.

I’m having a back and forth with my friend, Misfit. We disagree on this issue. I’m not looking for validation. I genuinely want to know your opinion. If someone attacks Chud over words and he defends himself, is it justified?

@elonmusk @grok if Republicans hadn’t gotten fleece with Ronald Reagan’s failed amnesty deal with Democrats and instead developed a robust immigration plan, what would the political landscape have possibly looked like? Would Bill Clinton or Obama have won the presidency?

That is literally their plan