Messages

196

General Discussion / Re: Retirement

« on: November 11, 2020, 01:52:57 PM »

I live in a state that has a very high cost of living... probably the highest in the nation. Prices for Food, Gas, Utilities, and especially Housing is extremely high. I am thinking if I relocate to another state or maybe even out of the country, my dollar will go a lot further. Let's say I have 1 million dollars saved, I could retire in the Philippines, Cambodia or western Europe very comfortably and not have to worry about money again.

197

General Discussion / Retirement

« on: November 11, 2020, 01:26:08 PM »

Just curious... all things being equal. Do you see yourself retiring in the same house, town, state or country you're currently living in?

198

General Discussion / Re: Living in 2 homes

« on: November 11, 2020, 01:17:56 PM »

Hello i was wondering if anyone has experienced purchasing a home and was living in an apartment at the same time?

My current situation is that my brother is purchasing a home and is also living in an apartment and the underwriter thinks that he is jist using his credit towars the home purchase and not actually live there. Is there a law that states you must live in only 1 home? I thought you can do primary and secondary home addresses? The underwriter says its illegal to do that.

There are not any law that says you are tied down to any one location as your resident. I think your brother is confused. The Federal Government, for tax purposes, demands that you choose a location as your primary residents. But again, this is only for tax purposes. Mortgage Lenders also requests that you declare a location as your primary location because that determines your risk against the loan you're requesting. I have 2 rentals and both the interests on my rentals are much higher than my primary residents.  Hope that helps.

 

199

General Discussion / Re: Trump DID minimize COVID deaths

« on: November 09, 2020, 02:43:26 PM »

He minimized deaths based on your Dr. Fauci's projection model. The rest is really up to governors to contain their own states and mayors to contain their own cities.

Where COVID cases surge tend to be is in liberal areas. Take a look at Texas. The governor is conservative but the highest cases are in Harris County, which leans liberal. In MN it is Hennepin County, super liberal.

IN OTHER WORDS, LIBERALS WITH THEIR MASK MANDATES AND LOCKDOWN ORDERS HAVE DONE CRAP TO SLOW THE SPREAD OF COVID.    INEFFECTIVE!

What exactly has Donald Trump done to minimize Covid 19? And please be very specific about it.

Here's what I know and these are facts.

1. When the Virus first hit US shores, he downplayed and disregarded warning from Scientists and Doctors on the impact it would have.
2. He suggested injecting people with bleach or alcohol to fight COVID 19.
3. He refuses to wear a mask and often attended rallies where his supporters refuses to wear masks.
4. Ironically, the idiot and his family caught the virus.

To your second point. Is he not the president of the USA? If there was a fire at your house, would you tell your kids to go to their rooms and put them fire out themselves? As president, one of his jobs is to protect health and safety of our people. He's the reason why the democrats are enforcing lockdowns. Had he responded, had he put together a national plan on how to handle this, we would not need the dam lockdown.

And to your last point... California is pretty liberal, in fact I would say it's the most liberal state in the union with an ultra liberal governor. How do you explain them getting COVID under control? Is it not surging as your statement indicated.

200

General Discussion / Re: Trump DID minimize COVID deaths

« on: November 08, 2020, 10:47:20 PM »

9.9m cases, but only 238k deaths in the entire country. That is like what? 2%

TRUMP DID MINIMIZE COVID DEATHS DESPITE HAVING TO FIGHT AGAINST DEMOKKKRAPS, MEDIA, TECH GIANTS, HOLLYWOOD, CHINA, AND SO FORTH.

Trump did an AWESOME!!!

IT WAS DEMONRATS WHO KILLED THE ECONOMY BY NEEDLESS LOCKDOWNS.

Trump minimized Covid Deaths??? Compared to what?

The statement above is beyond stupid... I don't even know how to respond. Even a 5 year old would know, comparison requires 2 or more variables.

Lets put some things into perspective...

USA
328 million
Cases 10 Million
Deaths 238K
3,048 cases per 100,000 people

Japan
127 million
Cases 107K
Deaths 1,815
84 cases per 100,000 people

Germany
83 Million
Cases 668K
Deaths 11,000
804 cases per 100,000 people

Japan, which has about 40% of the US population, only has 107K Cases and 1800 deaths. Doing the math, Japan only has 1% of US infection rate and less than 1% of US deaths.

So, I don't think Trump did a good job at minimizing the effects of COVID, in fact, I think he did a f*ck up job.



 

201

General Discussion / Re: PH Leftards can't specify how Trump negatively impacted them...

« on: November 07, 2020, 11:52:04 AM »

With all the bytching and crying, you can't state how Trump's presidency actually negatively impacted you.

OTHER THAN YOUR MISGUIDED PERCEPTIONS FROM WATCHING TOO MUCH MAINSTREAM MEDIA NEWS.

You are bytching about nothing. "OOh, I don't like the way Trump said that. It made me 'feel'...."

Hmong Leftards are like that bytchy Hmong mother-in-law who complains about her daughter-in-laws 24/7 over unfounded accusations.

Hmoob Demonrat ruam tiag. Too many of them. And folks, that's why the Hmong don't have a country.

Dude... take a chill pill.

How is calling people names going to help prove your point? If anything, it only shows you're a hot headed idiot that resorts to childish behaviors when cornered. I am a republican and not a democrat but since you asked, I will share with you how Trump has affected my life.

1. As a republican, I believe in traditional family values and HATE is not one among them. This president, like no other presidents in recent history has incited so much racial hatred, all so he can appease the far right who in turn strokes his inflated ego. A few months ago, while getting gas, my sister was approached by a middle age white women. She proceeded to call my sister a gook, told my sister to go back to China and take her COVID diseases with her. I truly believe this president is directly responsible for fueling the hate and bigotry that has surface in recent years. Understandably, his actions only help to magnified the underlying feelings that already existed, but without his leadership, these racist people would not be so embolden.

2. Speaking of COVID 19... As the president of this nation, it is his duty, under oath to protect our constitution and our people. He currently has no plan and has never had a plan to minimize the impact of this virus. As a result, hundreds of thousands of people are dead and millions of jobs have been lost. My aunt's husband died, my grandmother died, and my great uncle's wife died, my brother in law and a few good friends are laid off. So, yes this president has been asleep at the wheel and has affected me directly.

I can point out more instances, but I think the point has been made. The president may wear a republican outfit, but don't kid yourselves, he's a wolf in sheep's skin. Traditional republican values are Christian based; Love your neighbors, not call them names. Help the sick and poor, not mock and ridicule them. Love your wife, not covet your neighbor's wife. I don't remember Jesus calling one names and I am pretty sure Jesus never tried grabbing someone by the p*ssy.

 

202

General Discussion / Re: What does the hmongs in Cali, MN, Wisky all have in common?

« on: November 06, 2020, 05:55:37 PM »

I think older people and people with wealth are more conservative. Just an observation.

1. They feel like they have more to lose. I.E. stock market goes down. home prices goes down, they lose their jobs.
2. Habits die hard with older people... prejudices, opinions, attitudes and ways of thinking.
3. Traditional values or the fear of change.

On the other side, the poor take more risks, because sometimes they have to. This makes them seem reckless. They are also not set in their ways and is more open to change and new ideas because they have not had many experiences in failures and disappointment s.

I.E. a young person may view abortion as something that is ok. He/she feels it's their life and their decision. An older person, who has lost children or wants children may view abortion as something not ok because of their experiences.

As the The King would put it, it all depends on you view. I don't think it a good or bad thing. It is just a thing.

 

203

General Discussion / Re: Dummycrats Cheating, what else is new?

« on: November 06, 2020, 02:14:43 AM »

Call those states already.

Your logic baffles me a bit... please enlighten us. How did you derived at cheating if they are calling the state won early? One has no correlation to the other. I would agree that calling a state won early may be irresponsible but cheating? Cheating would involve fraudulent acts of voting, but that's not what you stated.

204

General Discussion / Re: What does the hmongs in Cali, MN, Wisky all have in common?

« on: November 06, 2020, 02:06:30 AM »

I am not sure if it's 100% true... I personally know a few Hmong who voted for Trump, Not many but a few are reds.

Just like those Hmong who farms in the hills and mountains... I don't think everyone grows MaryJanes, a lot of Hmong does, but not all.

205

General Discussion / Re: Why Do You Support Pres. Trump?

« on: November 05, 2020, 03:42:50 PM »

America is unique in that the majority of the people or soon to be the majority of the people is not of the same ancestry. And I think there lies the issue. We, the Hmong people, is a late, a really late addition to this country. And I would even venture to say that many of us, especially the older generations don't feel like they belong here or have a stake in this country. Honestly, it has not been an easy journey for me personally either, I have struggled all my life on where I fit in. IS America truly my home, my people, my life? And the question of "will they accept me" keeps coming to the forefront of my mind. I bet a lot of you have a hard time saying, I am an American.

It was not until a few years ago, that I visited another country that I realize. I am an American. I may not be white, I not even sound or speak or eat or drink or do whatever it is that defines an American, but nonetheless I am an American. I am not here for just awhile, I am not here on vacation, I am not here just to make some money and leave and I am not here just because I don't have anywhere else to go. This thought can be frightening to many of us, but it can also liberate us and make us whole as a nation.   

206

General Discussion / Re: Dave Ramsey. Top 10 things to not do with money.

« on: November 04, 2020, 05:14:26 PM »

Ain’t they the same thing???
Also #5   Why??? What about the individual responsibiliti es you speak off

Emergency fund vs Fully funded Emergency fund.

College tuition vs Living allowance.

207

General Discussion / Re: Dave Ramsey. Top 10 things to not do with money.

« on: November 04, 2020, 04:15:15 PM »

$1000 emergency fund???
You sure thats going last you 3-6 months.

At least $5k-10k

See step #3

208

General Discussion / Re: Dave Ramsey. Top 10 things to not do with money.

« on: November 04, 2020, 03:59:39 PM »

7 Baby Steps...

1. 1000 dollars, emergency fund.
2. Pay off all debts, small to largest except mortgage.
3. Fully funded emergency fund. 3-6 months of living expenses.
4. Invest 15% of your income.
5. Save/open College fund for your kids.
6. Pay off your home, mortgage should always be 15 years.
7. Build wealth and be generous with it.

209

General Discussion / Dave Ramsey. Top 10 things to not do with money.

« on: November 04, 2020, 01:40:33 PM »

I have been following this guy for some time... he is the reason I am debt free. I have done all of these things and hope this helps you too.

1. Don’t try to tackle your biggest debt first. Instead start with your smallest debt and once paid off, use that money to tackle the next debt.
2. Don’t try to justify frivolous purchases. “I deserve it cause I worked too hard.” Be sensible on your spending.
3. Don’t buy a new car. Fun fact, a new car depreciates 10% the minute it leaves the sales lot. Buy used.
4. Don’t use credit card for what you can buy with cash. Credit interest will kill you and your budget.
5. Don’t spend when you can invest. Instead of spending your raise, add it to your 401k. It’s new money you will not miss it.
6. Don’t go to a fancy college. A degree is still a degree. I started at a city college then transferred to a state university. This saved me a boat load of cash.
7. Don’t splurge once you graduate. Stick to your budget.
8. Don’t give your kids allowances. Have they work part time so they understand the value of money.
9. Don’t buy an engagement ring from a jewelry store. Jewelry deprecates beyond belief and is cheaper on private sales.
10. Don’t try to get rich quickly. It’s a marathon not a sprint.

Thoughts?

210

General Discussion / Re: Why Do You Support Pres. Trump?

« on: November 02, 2020, 04:46:40 PM »

1. Trump is a womanizer; Oskar Schindler is a womanizer.

2. Trump saved black people from the democrats and their reformation of slavery in prison camps; Oskar Schindler saved his Jews from concentration camps, hoping they don't go to Auschwitz.

Two things that are quite similar about Trump and Schindler.

I truly hope this was a joke...

Oskar may or may not have been a womanizer, I don’t know and could careless as he’s not running to be my next president. But for the sake of arguing let’s just say Oskar was womanizer. Your comparison of what these two men accomplished is grossly incorrect, unfair, and down right dangerous.

Trump’s prison reform, or as you put it, “saving blacks people from Democrats” is simply that, a prison reform bill. In detail, Trump signed a prison reform bill that may reduce the sentences of some convicted criminals, allow them access to certain incentives or privileges or to move some felonies to less restrictive holdings. Trump did not author the bill nor introduce it, his only effort was to signed it.

On the other hand, Oskar lost millions of his own personal wealth while working tirelessly to bribe Nazi officials and officers and risking his own personal safety to save thousands of Jews from certain death in the gas chambers of Nazi’s concentration camps. Moreover, these people were completely free of any crimes to humanity, other than being born of Jewish ancestry.

Your comparison as I noted above is not only grossly incorrect, it’s extremely dangerous and hurtful. It is a slap in the face of those Jews who escaped or were systematically killed in the gas chambers and concentration camps. These two are not even close and shame on you for even suggesting it.