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Orlando Buffalo

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Posts posted by Orlando Buffalo

  1. 6 hours ago, Niagara Bill said:

    Amazing that the prez can lie and you think dems are dumb because they didn't catch on. THIS is priceless for America, 2025. Wow...

    Does anyone have any morals. Good Christians...only 8 or 9 of the 10 commandments are valid I guess as well. 

    So you do believe Epstein was there, even the Dems have pulled down the Twitter post claiming Epstein was with Trump. 

  2. 1 hour ago, Trump_is_Mentally_fit said:

    It's a question that should be answred. 

     

    Do you think it should be investigated why Maxwell the sex trafficker was given preferential treatment in prison?

    So your answer to a direct question is not to answer it. If you are stupid enough to believe that Epstein was there in 2017 when they have literally thousands of pictures and he is not in any of them you are mentally ill. 

    • Agree 1
  3. 1 hour ago, Joe Ferguson forever said:

    Are we to take the statement that Guthrie was the victim from R's as gospel?  At a minimum, these emails show that trump had knowledge of abuse and possibly trafficking of underage girls by Epstein.  That doesn't bother you?

     

    The biggest question to you and all the trump sycophants:  Why not release all the files and let them exonerate him?  Why work so hard to stop their release?

     

     

    This email proves nothing related to Trump knowing about the abuse the girls recieved and these comments show how dumb you are. I wish Trump would release everything but you have to believe that the Dems protected Trump during the entire Biden regime to believe there is any smoking gun to implicate Trump.  

    • Disagree 1
  4. 2 hours ago, teef said:

    it doesn't always appreciate.  look at some of the homes in florida after the hurricanes.  some have dropped wildly in value, and with the increasing insurance costs of insurance, some of the real estate down there is taking a hit.  can you imagine if people had 50 year mortgages.  and if someone is taking out a 50 year mortgage, there's a very good chance they don't have the ability to pay it off in 25 years.  if they could they would have taken a traditional 30 year and saved a ton.

     

     

    when 80% of the homes appreciate I can safely say generally. Also the coastal areas always do this, especially the condos, they swing in value based on a few factors.l, hurricanes and insurance being the biggest ones. I still think you are missing the biggest factor is the 50 year mortgage which is the interest rate. If the 15 year and 30 year mortgage are the same I would take the 30 year simply for the flexibility, so let's wait to see what the rates are before flipping out. I paid off the first half of my mortgage on the first 5 years and then started paying the minimum again because it allowed me more money to spend on my family 

    3 hours ago, All_Pro_Bills said:

    First, almost everyone agrees a 50 year mortgage is a bad contract for the home buyer. A wonderful deal for the lender. If you run an amortization table the amount of principal of the monthly payment applied to the loan doesn't exceed the interest amount until sometime in year 37. So after 37 years of payments you haven't accrued very much equity in the home and are dependent on appreciation in the market value of the home to derive any real equity. You might be better off renting.

     

    Second, until you sell your home the appreciation in its value doesn't do anything for you. A 100% increase in your homes value will not provide you with any extra enjoyment, it won't increase the size of your kitchen, or make the basement hold any more stuff as you look around and wonder what's in all these boxes? One thing capital appreciation will do is qualify you for a nice big HELOC. Although the interest rate is about the lowest you'll get from any loan I would advise anyone to proceed with caution.

     

    The party home appreciation helps the most is the municipality of your residence which is more than happy to keep raising your property taxes every year at a rate which is multiples of your increases in income. Something that was the amount of a car lease on a Toyota Camry is now the equivalent of an additional mortgage payment each month. Then there are repairs, replacements, and upgrades to pay for like a new HVAC system or a roof. So at least being aware of these things is helpful in estimating a total cost of ownership of a home. Generally, if you plan on staying in the home then paying off the mortgage as fast as possible is the best approach. If you can accomplish that and bank say 1,500 to 2,000 a month instead of servicing a mortgage you can accumulate a lot of cash that can lead to you living a life of at least partial freedom from being a debt slave.

    My house almost tripled in price and my taxes have raised from 1800 a year to 2500 a year. The increase in price when I sell will make it so I lived the past 20+ years rent free and I have accounted for the new roof, ACs, and all maintenance. The 50 year mortgage is a bad deal if you plan to pay the minimum each month but if it gets you in the house and you can start paying faster then it might work out. After we watched the number of interest only loans in the early 2000s I think we can all agree some people should not be given a loan but as long as it is not my money let the banks lose the money

  5. 2 hours ago, teef said:

    it's a terrible idea unless you love paying interest to a bank.  on average, extending a 30 to 50 year loan will decrease payments by about $300.  It will add 500k to the interest.  this isn't the invention of 50 year loans.  it's just the first time anyone has suggested it to battle the housing issue.  if people actually see this as an option, it's going to be a disaster.  all a 50 year mortgage does is allow someone to purchase something they can't already afford.

    you think this is a good suggestion by trump?

    A house is in general an appreciating asset, while everything else you finance is a depreciating asset. Financing a house is a necessity for 98% of our country when starting off. If the 50 year mortgage allows you to get the house, which appreciates and you then pay it off in 25 years because you make more money it was a great decision if the house is what you want. Bad financial decisions is the hallmark of the Democrat party which makes me think this a good idea since they are so upset. As for the 15 year car loan, I can't defend, that is aimed directly at the low information morons, I can't even imagine the loan rate. 

    • Like (+1) 1
  6. I am actually curious why everyone is having a hissy fit over it. A 50 year mortgage is not a good thing but neither is a 8 year car loan but at least with the house you might make some of that money back. Currently if I were to sell my house I would basically walk away with what I have paid into it, so I have lived rent free for the past 22 years. As long as there is still an option for the shorter mortgages then I don't see the issue, and a few advantages especially if the interest rates are lower longer term

    • Thank you (+1) 2
  7. 4 minutes ago, dorquemada said:

    Like I said earlier, I am wondering if Allen is injured.  His throwing motion looks... pained? Not sure how to say it.  I'd consider letting him sit for a game to heal up because the way he's getting the crap beat out of him a small injury could turn into a big one, quick.  And truthfully, given Brady's offensive scheme, MT can throw the ball behind the line of scrimmage with the occasional sideline fade to coleman as well as allen.  Not like we're a QB-centric offense

    I don't know what is up with Josh but he is battling the ball, which makes a injury likely. I would "bench" him if they think letting him sit will allow him to heal, not because I think MT is actually better. With this team just make the playoffs healthy and we go from there

    • Like (+1) 1
    • Agree 1
  8. Threads like this are funny to me because it is not like he came into a great franchise and just kept it sailing, he turned us from losers into winners. If you take away the second year he was here when we purged the roster roster he would have the highest win percentage of any coach currently in NFL and he is currently above McVay, Peyton and Reid. The dude deserved his credit. That being said if no SB win this year we should look to see who we can bring him to make it happen, we have built this team as best we can for him

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