random guy on x

@Dug2AL @_CalGore @andymcmangled @EdKrassen @JackPosobiec @grok 🦗

@_CalGore @andymcmangled @EdKrassen @JackPosobiec @grok Who have these MAGAts murdered?

I assume the Trump DOJ will be arresting @JackPosobiec too, right? He posted "8646" about Biden like James Comey posted "8647" about Trump. We are living in a tyranny! Two-tiered Justice System!

@Lastplace_champ @JeanRomanik She had no idea! 🤣

@JeanRomanik What was accomplished?

And once again, while the Democrats sit on this app screaming invoke the 25th amendment and whining about Donald Trump. He once again gets everything he set out to do done. Nicely done, Mr. President.🇺🇸👏👏👏👏

@JeanRomanik @harryjsisson You can’t even answer what job he got done….

@harryjsisson Ahhhhh what’s the matter little Harry. I thought it was invoke the 25th. He’s going to take out an entire population of civilization. You realize how fucking stupid all of you sound. Once again, Trump gets the job done.

Trump’s deal with Iran is sounding pretty terrible. They get complete control of the Strait of Hormuz, all sanctions removed, keep their uranium, and keep their missiles? What the hell was the point of the war then????

@JeanRomanik @jb_whittier @harryjsisson I thought that war ended his first day in office? 🤣

@jb_whittier @harryjsisson How did America benefit from throwing millions of dollars at Ukraine and Russia’s war…. That’s right we didn’t. Yet we paid for it, that never-ending war. Please spare me.🙄

@OGGrantWilliams @pepemoonboy If you buy a house today and your loan exceeds 250k, you’re itemizing…. 250k at 6.5% =16.25k…. This is 1000% relevant

@randomguyonx333 @pepemoonboy Well 90% of filers take the standard deduction so it’s not terribly relevant.

When I ran the numbers on renting and investing the difference vs. buying a home, I used national averages and y'all lost your minds. Fair enough. This time I used two real listings in Durham, NC with matching bedrooms and comparable square footage. Apples to apples. The properties: - For sale: 305 Reynolds Ave — $389,000 / 3bd 2ba / 1,580 sqft - For rent: 1526 Smoky Mountains St — $1,950/mo / 3bd 2.5ba / 1,658 sqft The setup: - Mortgage rate: 6.50% (30yr fixed, 10% down) - Durham combined property tax rate: 0.99% - Home insurance: $1,721/yr (avg for 27707 zip) Buyer monthly cost (Year 1): - P&I: $2,213 - Property tax: $321 - Insurance: $143 - Maintenance (1%): $324 - PMI: $146 Total: $3,148/mo Renter monthly cost (Year 1): - Rent: $1,950 - Renters insurance: $14 Total: $1,964/mo The renter saves $1,184/mo. Plus the $50,570 in down payment and closing costs never leaves their pocket. All of it goes into $VOO. This time I'm accounting for what everyone said I missed: Assumptions: - Rent increases 3.5%/yr (it is NOT frozen) - Property tax increases 2%/yr - Home insurance increases 3%/yr - Home appreciates 3.4%/yr (avg since 1891) - S&P 500 returns 10%/yr (long-term avg) - PMI drops once equity hits 20% - Selling costs: 6% (agent commissions + transfer taxes) - Capital gains tax: 15% on stocks - Home sale exclusion: $500K (married couple) All results are AFTER taxes and selling costs Results: 1. After 10 years: - Renter net (after cap gains tax): $299K - Buyer net (after selling costs): $214K Renter wins by $85K 2. After 20 years: - Renter net: $815K - Buyer net: $519K Renter wins by $296K 3. After 30 years: - Renter net: $2.16M - Buyer net: $971K Renter wins by $1.19M "But rent will be $5,473/mo in 30 years." Yes. And the renter's portfolio generates $18K/mo at a 10% return. Even at a conservative 4% withdrawal rate, that's $7,200/mo. You can pay rent and still never touch the principal. What this still doesn't capture: - HELOC access / borrowing against equity - Refinancing if rates drop - Forced savings effect (most renters won't invest the difference) - Intangible value of ownership, stability, no landlord - HOA fees (if applicable) - Major repairs beyond 1% (roof, HVAC, plumbing) - Geographic differences: these numbers are Durham, NC. Your market will be different. A home is a place to live. It can also be a great financial decision depending on your market, discipline, and goals. But the "renting is throwing money away" crowd needs to run the numbers before they say that. Not financial advice. Run your own numbers.

@pepemoonboy The one thing I will add and you did call this out, but buying a home forces you to focus on your finances, for better or for worse. Shouldn’t take a 500k purchase to do this, but it def does change the way you think.

@randomguyonx333 it would still lose in that case but you are right, I did miss that

@pepemoonboy In the short term maybe? Now factor in your rate isn’t going to be locked at 6.5%. Owning a home isn’t losing in this example imo. It’s close, but I’ll take the flexibility of owning a home.

@pepemoonboy Why does every analysis ignore the tax savings of owning a home? In your example, the person is spending ~22.5k on interest. Assuming they’re taxed at 25%, they’re getting 5.5k back. Factor in SALT deductions for state taxes and the diff is a few hundred dollars / month.

@Micro2Macr0 @realDonaldTrump Wasn’t MAGA bragging about no wars? What happened? Wasn’t MAGA Bragging about being Christian? What happened? Let’s see you twist and squirm trying to justify how you voted for this. 🫠🫠

I like @realDonaldTrump more and more every day. 😆

@Ben_grows @The_Dopest_Shop Archive toad x chimera

@The_Dopest_Shop What is that?

When the nuggs look like they fell in a snowstorm ❄️

@Micro2Macr0 @PawlowskiMario I thought MAGA stood up for Vets? Another contradiction.

@PawlowskiMario Maybe he shouldn't have out his arm in the door?

BREAKING 😳 Marine Corps veteran arrested and had his arm broken inside a Senate Armed Services Committee hearing after saying Israel is the reason for the war in Iran while Senator Sheehy sat there. You can hear his bones crack😬 WTF we are doing?! And for who we are doing this?

@LlebrezIm @unlearn16tweet @bennyjohnson What you finger bang yourself to, literally no one else cares about, literally no one.

@unlearn16tweet @bennyjohnson Oh but he does

I pissed off Hillary Clinton today. And I am not suicidal.

@AndyB213 @krassenstein @bennyjohnson Shown false? Yeah… so why hasn’t bondi interviewed all the survivors? Go to bed kiddo.

@krassenstein @bennyjohnson Because it’s been shown, time and time again, that the allegations ware false. This was put to bed a LOONNGG time ago, Little Bit. Why do you knot-heads insist that he continue to respond to your ignorance? You feeding your fantasies, Perv?

Why are you so short?

@VladTheInflator A more appropriate analysis would be renting + investing Owning a home + investing less (run an analysis on 75% of what you invested if renting, 50%, 25%, etc)…. In 15 years when your mortage is less than the cost of rent in your area, you can invest more than if renting.

Buy a house or rent + investing Who wins?

@Micro2Macr0 @denzelayeah @pepemoonboy But isn’t he the master deal maker? The art of the deal, no? Working with the other side should be np….

@denzelayeah @pepemoonboy Nothing can be passed through Congress because they need 60 votes and Democrats won't even give votes to keep the government open.

So the PRESIDENT of the United States has no leverage when negotiating on behalf of his country? This is exactly how other countries will interpret this. And what will they do? They will drag out negotiations, or not negotiate at all, knowing there’s no repercussions since the US president has no leverage. Explain to me how this is good for Americans. The supreme court quite literally just sided with our competitors. I don’t care what your politics are. No matter if the president is Democrat or Republican, they should have the ability to negotiate on behalf of their country. “But Pepe the US is not a business” The US is the BIGGEST business on earth. Everything that politicians do revolves around money. EVERY. SINGLE. DECISION. Idiocy at its finest wow.

@TekuaniTruth @ChristineBrejc1 @MrPitbull07 Or have laws that protect workers from these conditions. Or, like pest control does, nickel and dime your customers along the way. every time they bring you a new napkin, charge, clean up your table, charge. Tips wouldn’t necessary, just like it’s not necessary in your field. 🫠

Ran up a $1500 dinner tab and when the receipt came back they had those cute little “suggested tips” printed like I’m supposed to casually drop another $300 just because someone carried plates from kitchen to table. I left $25 which honestly felt generous considering I already paid restaurant-level prices for the food itself. Server immediately got weird about it, attitude switched, barely a thank you, just that tight smile people do when they think you violated some unspoken rule. I told her straight up tipping isn’t a percentage subscription service and I’m not funding someone’s rent just because the bill happened to be high. Manager wandered over trying to smooth it out, hinting about “industry standards” like that magically obligates me. That only made me dig in harder because nowhere else do you get charged more for the exact same task just because the total went up. So I signed it exactly how it was, stood up, and walked out while they all stared like I committed financial treason, and if they think I’m coming back there to play along with that system again they’re seriously confused. Credit: Annie Perkins

@0hour1 @krassenstein It’s crazy that someone leaving MAGA bothers you this much 🤣 Get a life man.

@krassenstein You did this with him lmao losers. No ones falling for your Psyop shit. Take yah crackhead pal and go.

Blake Humphreys (@blakejerome86) • Instagram photos and videos instagram.com/blakejerome86/ (1) Facebook facebook.com/blake.humphrey… Every time I out one of you fake retards I smile

@mpabull @TekuaniTruth @ChristineBrejc1 @MrPitbull07 Thanks for this. I know about California and other states paying min wage now, 2x federal min wage. I just find it odd someone who charges over $100 an hour is comparing their wage to someone who makes 7.25 / hr and making them seem like they’re being greedy for receiving tips.

@randomguyonx333 @TekuaniTruth @ChristineBrejc1 @MrPitbull07 Look up FLSA. The restaurant has to bring them to that level if tips are not enough to make up that difference. 7 states pay minumum wage anyways for service people

@battleofever @chriscbrown @RedpillDrifter @Sat0shIVakam0t0 The Dow is 50,000 dollars! 🤣 🫠🫠

@chriscbrown @RedpillDrifter @Sat0shIVakam0t0 You're shortsighted & in vast company. Expand your thinking please x.com/battleofever/s…

#Bondi set an unprecedented trap for Congress this week 👀🍿 Bondi gave unredacted, timed access to Congress to search #EpsteinFiles and every single search was recorded. Every name, document and file opened or downloaded. They are FOOKED & realized it when she pulled out a folder named "jayapal pramilla - search history." Every search each member was panicking about...recorded. #TrapsSet #WeHaveItAll #EpsteinFiles