Freeman Ara

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Freeman Ara

Freeman Ara

@SznFreeman

make your bed, eat some steak, go for a run

Katılım Aralık 2021
511 Takip Edilen102 Takipçiler
麻理
麻理@mari_TLer·
@jerseyh0mo when I started to do some research on religion, i found out that the main thing that made people believe jesus was God was that he resurrected, that's more or less it, like billions of people believe in a religion because a number of people thousands years ago said they saw him
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davey
davey@jerseyh0mo·
In 1999, hundreds of people in Belgium and France reported that they felt sick after drinking Coca Cola due to someone claiming the drinks were contaminated. It resulted in a massive recall of Coca Cola products. After an investigation by health authorities, it turned out to be a case of mass hysteria. The drinks were completely fine and the people had made themselves believe their bodies were sick. Just some food for thought.
Oliver Burdick@oliverburdick

500 people saw Jesus risen from the dead. You can't make this up.

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georgia power hate account
@wallen_10 @jerseyh0mo It'd be tough to dismiss "I personally interviewed 500 people who all said they touched & had conversations with Jesus; here are their names & locations." But what we actually have is so vague it could just mean "500 drunk folks at a wedding saw a Jesus lookalike in the distance"
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Freeman Ara
Freeman Ara@SznFreeman·
@jerseyh0mo I pray you find the truth Dave. Repent and turn to Him there is still time 🔒❤️
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davey
davey@jerseyh0mo·
@SznFreeman Did any of those people murder others for not believing their delusions?
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Jamie Bonkiewicz
Jamie Bonkiewicz@JamieBonkiewicz·
The U.S. has money for everything except its own people. Wars? Trips to the moon? Ballroom? Done. Healthcare? Childcare? Food? Get fucked.
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Scott Matthews
Scott Matthews@scmatt34·
What makes @olydoegolf different? Hollow cotton technology: Knitted with tube-like cotton yarns to create temperature regulation and "moisture wicking" through capillary action. Polo dries quicker and wrinkles less. You get a more premium drape, but still with lightweight feel. Supima cotton with stretch: American-grown Supima cotton for incredible softness and durability. Blended with a small amount of elastane to improve recovery and shaping through 18 holes. Hidden collar buttons: Creates a structured collar without the stiffness. We spent lots of time and development to bring a unique product to market and hope you all love it as much as I do!
Scott Matthews tweet mediaScott Matthews tweet mediaScott Matthews tweet mediaScott Matthews tweet media
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Freeman Ara
Freeman Ara@SznFreeman·
@HoosierSpeaker @CFBwSam @BuffedInPrime Always the correct take. Who gives a fuck how fast a guy runs in his underwear lol. But ponds and love are elite, we don’t need a 40 yard dash to tell us that
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Inside the Pylon
Inside the Pylon@ITPCFB·
Which QB will have the better season in 2026?
Inside the Pylon tweet media
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Halcyon
Halcyon@Halcyon1110242·
@SznFreeman @vrexec I simply gave you an example of it being a good choice (to invest in a house). Then you flew off the handle and got all upset. Why are you like that? Do you think I was being adversarial in my first message? Go outside and touch grass dude
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VEO
VEO@vrexec·
I'm doing some back of the envelope math on buying vs renting. Say you buy a $1M house with 20% down at about 6% mortgage rate and plan to stay there for five years. Your principal paydown in the first five years is about $57,000, but you've paid about $230,000 in interest. You've also paid roughly $100,000 in property taxes, insurance, and maintenance. Say the house appreciated 2.5% every year — so when you sell it's worth about $1.13 million. Your all-in costs to sell are about 7.5% — brokerage commissions, transfer taxes, attorney fees, title insurance, and the inevitable post-inspection negotiation. On a $1.13M sale that's about $85K in fees. So you net about $1.046M. You still owe $743K on the mortgage. You walk away with about $303K in cash — your $200K down payment back, your $57K in principal, and about $46K in net profit from appreciation. Your non-recoverable costs — interest, property tax, insurance, maintenance — were about $330K over five years, or about $5,500/month. That's your effective rent. But you "made" $46K selling, or about $770/month — so your effective rent was about $4,700/month. Not bad, but you tied up $200K for five years to get there. And if appreciation was 1.5% instead of 2.5%, that net gain basically disappears and you're paying $5,400+/month in effective rent. And this assumes there's appreciation at all — and that something doesn't go wrong with your house that needs a major remodel or repair. On a five-year horizon at 6% rates, you need everything to go right on appreciation just to make ownership competitive with renting. The transaction costs eat most of your upside. What am I missing? Anything?
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Freeman Ara
Freeman Ara@SznFreeman·
@Halcyon1110242 @vrexec Brother I own a house. I think everyone should buy one if they plan to be there >5 years. Don’t get your panties in a wad
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Halcyon
Halcyon@Halcyon1110242·
@SznFreeman @vrexec I've seen a lot of wannabe influencers trying to take the approach of "don't buy a house or you'll be poor" and yet everyone I know who bought a house is doing very well. So maybe your advice sucks?
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Freeman Ara
Freeman Ara@SznFreeman·
@Halcyon1110242 @vrexec This is totally irrelevant. “It worked for me” does not mean anyone should plan or expect a house to appreciate that much in 5 years…
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FIDEL CACHE FLOW
FIDEL CACHE FLOW@FidelCacheFlow·
If you were to invest the $1500 differential between cost of home ownership and renting in this scenario monthly across 30 year term in basic index fund your portfolio would be $2.8m. Even adjusting renting for YoY increases and inflation the ‘total cost’ of renting across 30 years would be ~2m. That would represent a $800k ‘profit’ if you will. You would need to in comparison believe your home equity would build $800k free and clear after 30 years in this scenario meaning your $500k home will eventually sell for $1.3m which is a 160% increase in home value. Mind you the $4k/mortgage does not represent total cost of ownership in property taxes, maintenance, realtor commissions and replacement costs which bubbles your total cost of homeownership based on average estimates to $2.5m. That would mean you would need to sell your $500k mortgage for $2.5m to break even representing a 400% increase in home value which only represents 15% of all U.S. home purchases historically. (Mind you, 50% bump of home equity values in past 6-7y due to rapid C*VID printflation which is a historical and financial anomaly) There are very few markets and scenarios where homeowners outperform the stock market from primary residence across 30 year mortgage term. The mortgage is a financial instrument the banks use for mega profits. The only scenario where you have the ability to profit and win from homeownership is speculative emerging high growth markets on 15y mortgage with large down payment north of 20%.
Uzi@UziCryptoo

Option 1, rent a house for $2500/month Option 2, give the bank $100,000 and pretend you own a house for $4000/month knowing $2700 is going to interest.

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Freeman Ara
Freeman Ara@SznFreeman·
@SickosCommittee Duke radio guy getting so excited about calling for a technical foul is so on brand 😂
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Freeman Ara
Freeman Ara@SznFreeman·
@wil_da_beast630 @Noah_Collins02 Do you not see how funny saying “I personally find it very difficult to believe the objectively logically unlikely” when we’re talking about the God of the universe taking on human form being born of a virgin? You draw the line at 2 people remaining celibate for 30 years?
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Wilfred Reilly
Wilfred Reilly@wil_da_beast630·
This below is the AI take on the "brothers" thing. A master carpenter in that region and time generally would have been an RC, but that's hardly my main point. Sub "tough Jewish man" or whatever you want. OK- THIRTY celibate years. I personally find it very difficult to believe the objectively logically unlikely: this is an issue for religion and Wokism.
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Wilfred Reilly
Wilfred Reilly@wil_da_beast630·
The idea that a non-monastic Roman citizen just opted to never have sex with his pretty wife for 40 years, and all the people who are explicitly called Jesus' brothers were his distant cousins, is a fascinating example of dogma - a thing believed because one is supposed to believe it.
jardiniernormie@jardiniernormie

Protestant Joseph be like: "AAAAARGH I MUST HAVE SEX SO WHAT IF MY WIFE GAVE BIRTH TO GOD HIMSELF AND GOD IS LIVING IN MY HOUSE I JUST NEED THE SEX SOOOO BAD"

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Freeman Ara
Freeman Ara@SznFreeman·
@statsowar I don’t get what point you’re trying to make. It would still be interesting to see ND
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