What about the money supply? Would it be possible, that a big part simply comes from Inflation?

https://preview.redd.it/sp53otd6dxga1.jpeg?width=750&format=pjpg&auto=webp&v=enabled&s=81a75a81d32bd3d4c94ba20ca1636e1d79aa7f25

No, that’s since 2008.

Every metro area and surrounding burbs are stupid now, but many not as bad as Phoenix. You could still easily get 3-4bd 2ba in the DFW area on 120k. You're gonna pay 2-3x as much in property taxes at least though.

There is little chance affordability will improve much in most areas. We won't see interest rates below 4-5% in our lifetimes most likely, and builders will sell and build for institutional buyers doing little increase available supply which is still way behind due to covid and material shortages.

Because the neighborhood is changing - see the schools. Even for a starter home with no kids buying in an area where Great Schools has labeled elementary and high school a 1 is a bad move. Not saying OP should buy in the areas rated a 10, but it would be smart to at least get a school with a 6.

Also, pictures are very deceiving with Atlanta RE. Yes, it looks like a nice house at first glance, they all do lol! Older homes in this area and further South have issues with mold because we get a lot of rain and humidity. Not staying it can't be fixed up and made cute, but with schools at a 1 that is indicative of a neighborhood change that cannot be made up in the near term. It may be the last old folks in on the block who held out, or their estate selling the house in an area that has gone downhill.

I lived in NY for a few years and I get that it doesn't look like the Bronx. Here, it's the neighbors with trash on the lawns, high crime due to the booming drug trade, lots of immigrants from central and south america that are hard workers but are not in a position to do early childhood education so the kids start public school with deficiencies in language, etc.

The "starter homes" here do seem like mansions but they are also built by large chains as cheaply as possible with corners cut to builder grade or below. And yes, a lot of folks including us started off in new or newish 2000 sq. ft 3BR/2BA in the mid $100K range, but that was fifteen years ago.

https://preview.redd.it/35eiosc6evga1.jpeg?width=1170&format=pjpg&auto=webp&v=enabled&s=3f9a72ba5502eff09b7ebfbf72f3e5d5abf0bf80

Options! Saw the news of the layoffs

https://preview.redd.it/ciel5ssyzuga1.jpeg?width=1170&format=pjpg&auto=webp&v=enabled&s=9050db70425cc7b25388e2d9817d7d0ba6ea99a3

I’ve been seeing some friends and family doing it. I live in Iowa so it may be different.

I want to say our fastest growing city just published the median age of people moving there is 24 years old. The population has doubled in the past decade (lots of new houses), and according to 2020 census 56% of the pop has a BA or more.

According to realtor.com the avg price of each house is $364k. Median household income is $119k. Also driving in the neighborhood there are a lot of nice vehicles.

On top of these expenses, it’s safe to assume this demographic will be starting a family. We pay $1600 per month for 2 kids in daycare and from people I’ve talked to in the area that is a great deal.

This is based on observation. These folks could have great jobs, inheritance or family money and are able to pay for this stuff, student loans, cars, etc.

But the math doesn’t seem to add up for these families to afford the house once student loans hit based on median house price and median household income.

ba........

https://preview.redd.it/6lnvixzvfuga1.png?width=750&format=png&auto=webp&v=enabled&s=5982f49ebf5ba4a50b1577fa10e7b6e2cc71e2b8

Luck definitely play a role here. Another win today, closed all out already

Oh

Also here is a website showing trustable charities. https://earthquaketurkey.notion.site/Turkiye-Earthquake-Donations-330ba83b6a93442b92fd46a414a928db#bf657371f0c3477597e102b93cd49a07

https://preview.redd.it/c683k986wtga1.jpeg?width=800&format=pjpg&auto=webp&v=enabled&s=8c58e3bc7f83de41aebf19020527a496509ba807

🤲

>BOEING SHARES UP 1% AFTER CO CONFIRMS JOB CUTS REPORT $BA

^*Walter ^Bloomberg ^@DeItaone ^at ^2023-02-07 ^09:58:10 ^EST-0500

https://preview.redd.it/ffwgwwu7mtga1.png?width=1170&format=png&auto=webp&v=enabled&s=d31c8ddc5055d5e11165950b8a54cc2369e423ba

https://preview.redd.it/xrirkfsdktga1.jpeg?width=1170&format=pjpg&auto=webp&v=enabled&s=56651bbe762ba7bf9fc454c079ae2f23a76ddce4

For example, the entire market is bleeding red but I have 100% puts on Apple and she goes up

You’ve got no idea what you’re talking about.

Moody’s downgraded Twitter from Ba2 to B1 in October 2022. Then stopped covering Twitter in November 2022 due to lack of information. That downgrade is a huge deal.

I have access to most of the major financial data sources. Bloomberg, Capital IQ, Refinitiv. There is no active data for these loans. All we get is through publications about moody’s downgrade, and word from the leveraged loan market about the bond pricing. Which I shared in my link.

You have yet to offer any meaningful data. You are welcome to present newer or better data - or any data, really, if you have it.

I'm seeing this guy, but I can totally see Nic Cage too.

I thought Bad BaBY was the squozen one What happened?

Hi Ba>!r!<f

https://preview.redd.it/xjvevouj5rga1.jpeg?width=622&format=pjpg&auto=webp&v=enabled&s=f110ba6ebf894a2d56af8b4a40156407da723cd4

Chat or build me 3000 sq ft Victorian with 5br/3ba, solarium, sauna, chefs kitchen, and a finished basement for under $350,000

Spirit / Frontier / Allegiant is RyanAir, Southwest / Jet Blue is EasyJet (but with way fewer fees), American is IAG, Delta is Lufthansa, and United is Air France-KLM.

To your quote, it’s right in that consolidation feels different in Europe because the “flag” carriers maintain their branding (mainly because of country-level subsidies), but they cut just as many jobs percentage-wise as happened in the US, they just did it through attrition rather than layoffs.

That said, let’s use IAG for an example - they code-share all their flights, and you can book on any carrier from any website. The prices are identical between Iberia vs BA vs Air Lingus, and they share a common backend and ops staff, though they do uniform the customer-facing people according to the branding.

All that said, I don’t see any service difference between American and the EU-based carriers I’ve flown. In the last year, I’ve been on ITA (or Al Italia, if you prefer), SwissAir, BA, Iberia, Lufthansa, and Air Dolimiti, and in no case would I say that the service I received was any better than I was I get on American, and in many cases worse. Plus, as an American (citizen), I hate the EU carry-on baggage limits (size and weight both), and it drives me batty to pay for bags, which is something I never have to deal with stateside.

I’m not saying that the EU airlines are all like Spirit - not at all. But, with their proliferation of fees and limits, they are starting to resemble Spirit more than they do any of the American big 3. Sure, you can grab a $99 fare to wherever, but after you’ve added in the unavoidable fees, you’re not paying anywhere near $99, you’re doubling or tripling it. We’re not 22 anymore, we’re not going to go for a weekend with two European sized carry-ons and two backpacks.

What's your recommendation for trying someone trying to break into this field work with no education or experience in IT ( I do have a BA in Communications) What type of program should I be looking at in vocational schools? And what type of job can you can with that type id degree?

https://preview.redd.it/ch7pxcrn2pga1.jpeg?width=904&format=pjpg&auto=webp&v=enabled&s=1ba02313390119bbd8128a0bf119d3ed50e85789

bOoMeRs BaD 😭😡😤

https://preview.redd.it/4pcsutybsoga1.jpeg?width=1284&format=pjpg&auto=webp&v=enabled&s=56861d120b8c284138aeb7a9e7e9c43ba419ec18

Wait, so there’re saying his compensation is pure stock dilution, and he’ll quickly have more shares to sell in the next 12 months?! Not sure how that’s a good thing for investors lol

I'm really reluctant to buy BA. Their partnership with GE is one aspect of this. I don't think either of them are well run companies. They are big conglomerations who's cumbersome management have made them inefficient and dependent on Gov't largess. The heavy aircraft market is probably going to shrink again as we experience another recessionary year. I'm not convinced they are as lean as they need to be. Gov't contracts are fickle things that Boeing needs to keep the lights on.

Just not a winning pick for me. Maybe at another price point with a better energy, international economic, and regulatory picture? I don't know.... No sale here. Not today.

https://preview.redd.it/72w9anykrnga1.jpeg?width=628&format=pjpg&auto=webp&v=enabled&s=67f91ba537bd0ddf100bfc52c97aab916d2376ff

Interesting, I'll have to look over that this weekend. Do most ba ms offer a high yield savings? M with a credit union currently.

{looking around} I don't see anybody arguing for complete Socialism, like Communism here. Most argue for more government interventions to regulate wildly out-of-control Greedy Corporate Ba****** from destroying us all.

Is that so bad?

bp calls

ba puts

spy puts

&#x200B;

https://preview.redd.it/9r7tbpfifnga1.jpeg?width=296&format=pjpg&auto=webp&v=enabled&s=ff8d08c98889f27b5747f0c6bfd5ba44aac16f1e

Someone needs to take boomer DOW behind the barn already

CAT BA oil all bouncing too much

WTF are people still trying to short $BA and $CAT? Only making them fly higher.

>https://www.bogleheads.org/forum/viewtopic.php?t=286862&sid=d8fe67aef10ba65ebe8ad034253cc409

thanks..I love a good rabbit hole...

Here's a rabbit hole to fall into. I really respect this vineviz guy and have read a lot of his posts.

https://www.bogleheads.org/forum/viewtopic.php?t=286862&sid=d8fe67aef10ba65ebe8ad034253cc409

$BA is rocket ship 🚀

hey GG! i downloaded a different pair of apps from the apple store and i didn't see BA11+ for some reason. but can i ask you do i enter the value first snd then the variable? like is it n, 10, 8, i, 1000, pv etcetera and when some compute request? or do i have to hit "input" first? like 10Bii has an input key but also a FV key and i am not sure if the order. and the Vicinno app just has enter. > actually i see now the vicinity references the 10Bii hardware owners manual so maybe i will print that out...

Everyone has said more or less similar counterpoints. Another item that I haven't seen mentioned is being smart about which home you purchase and if you are handy. I bought for $130k and put another $30k into improvements. My home is now worth $220k and I have a mortgage payment with insurance and taxes for $950 a month.

On top that, I do not spend $500 a month on maintenance even when averaging out the cost of major repairs. I replaced the roof when I purchased it, so that is included in the initial $30k investment. Then in 2022 my HVAC needed replaced. My brother is an HVAC installer and I was able to replace the entire system for $7k. Those are the only major maintenance costs that I have had. So the $6k a year is grossly bloated in comparison to my actual investment.

I live in a low cost of living area, but my mortgage payment would get me a 2 BR 1 BA home in an okay neighborhood. Instead I have a 3-4 BR 3 BA home with a 2 stall garage in a good neighborhood with a desirable school district.

And this

https://preview.redd.it/5mm3fmcpmmga1.png?width=1242&format=png&auto=webp&v=enabled&s=fc1831b2c53e309183a6ba46e6d8fe98573af57e

$210 combined very close to an even 50% each. 4b/2ba SFH, 2 WFH people, gas heat & water heater, electric everything else. Average temp for the month was low 20s.

$100/mo is pretty much our baseline for electric, with an increase peaking at 50% for AC in the summer. Gas goes as low as a few dollars in the summer.

>I find the median home is much bigger than I need.

Then don't buy a median home. Find the average sale price of whatever kind of housing suits you, then check the average rent price for a similar property and run the numbers that way. The point is, don't compare buying a 360k house to renting an apartment that might only cost $150k to buy.

>the renter has the advantage of upsizing and downsizing as needed.

Nothing in the scenario involves the need to up- or downsize. Plenty of young people buy a 2br 1ba 800sqft house and then need to upsize when they have a family. That's not unique to renters. If you think it's important enough, redo the calculations with the same changes to both sides, but don't just claim it's an advantage for one side and ignore the other.

They didn’t, it was Citron Research. sHoRt SeLlEr BaD tho

It’s not a recession until your alma mater closes its doors.

At least that’s what my parents told me when I graduated with a BA in English from Fordham.

They also said “get a real degree” but let’s be honest here - English isn't exactly the most marketable field of study so we all went into finance, like daddy wanted.

Also , why did they ever name an educational institute "Fordham"? But then again, why was an institution called "Yale"? More people know these brands than actually attended them.. To think I paid 40k for this shit… I can never have sex again. Fuck it man, at least I got some cool stories to tell on Reddit and Imgur for the rest of my life

Remind me! in 6 months "BA 115-135"

https://preview.redd.it/pwj5ip5dulga1.jpeg?width=1170&format=pjpg&auto=webp&v=enabled&s=7a53251c6ba23339219f3ff92c714b349b4c5317

We bought our 4bd/3ba home ~10 years ago in GA (US) north of Atlanta. Our current payment (PITI) is $1460. 1 bedroom apartments near us start at $1500+ and 2 bedrooms start around $2000.

Certainly results will vary based on how you buy. We chose to buy a short sale and did much of the cosmetic work ourselves after we moved in. We would not be in that position if we had bought new construction at the top of a market.

I do feel good about having the payment locked in for the long run, understanding there will be increases in insurance and property taxes.

BA🚀🚀🚀🚀

>BOEING EXECUTIVE TO CNBC TV18: TO MAKE ANNOUNCEMENTS ON COMMERCIAL DEALS IN INDIA SOON $BA twitter.com/DeItaone/statu…

^*Walter ^Bloomberg ^@DeItaone ^at ^2023-02-06 ^06:41:24 ^EST-0500

>BOEING EXECUTIVE TO CNBC TV18: EXPLORING JV OPPORTUNITIES IN INDIA $BA

^*Walter ^Bloomberg ^@DeItaone ^at ^2023-02-06 ^06:36:11 ^EST-0500

In my metro area it's a no brainer. Monthly mortgage payments on an equivalent 3 br 2 ba house like the one I'm renting are double the cost of rent. And would need to cough up about $240k for a 20% downpayment. The differential is even worse for SFHs than it is for condos, which are actually a bit more accessible due to them selling for under $1M...

I can assure you with 100% confidence either you are mistaken or there is more to the story here.

HSAs do not have a "lose it" feature.

• https://media.self.com/photos/5ad4e687164ba7734f61bdac/master/w_1280,c_limit/hsa-hra-fsa-table.jpg

Again, please go back and VERIFY.

I have no skin in your game. I have no incentive for leading you down a wrong path. I am only trying to warn you that you will encounter confusion as you move forward by mixing terminology.

There is no recession in Ba Sing Se 😄

There is no recession in Ba Sing Se

There is no recession in Ba Sing Se

I am north OTP Atlanta, rent in my neighborhood is $2700. $400k home 3bd/2.5ba.
Another factor I didn't see is the mortgage interest deduction.

More like “ba bye” am I right?

$900 for a bedroom in a 2BR/2BA condo in San Diego. The other room is a couple which is why I pay so little.

Savings Rates and Credit Card Debt have been KEY INDICATORS and LEADING INDICATORS in the past for predicting a recession, but only when ALSO accompanied by INCREASES in UNEMPLOYMENT - which we do not have.

Until Unemployment ticks up... the Fed will remain higher for longer than what the bond market is currently pricing in a of TODAY... 50 bps of cuts before 2023 is done.

It was BEARISH 2-weeks ago and is VERY BEARISH after this last rally.

This is what is happening right now.

https://preview.redd.it/ilujck98uiga1.png?width=1016&format=png&auto=webp&v=enabled&s=bb810313d3134f88f504a9ba26ed8309f61f373b

https://preview.redd.it/ufht3lmehiga1.jpeg?width=640&format=pjpg&auto=webp&v=enabled&s=c6559a43c5ced0c9f0e50db0f0be392474e1ba87

A picture is worth a thousand words.

https://preview.redd.it/fiybdxzmciga1.jpeg?width=828&format=pjpg&auto=webp&v=enabled&s=e19f3b59ba54cae048f50f0fca2ffd1d6baea8de

Also, this

https://preview.redd.it/ytm8ycnnyhga1.jpeg?width=1242&format=pjpg&auto=webp&v=enabled&s=9dcca5da15786132d78b1fa4bc2398c02b65ba2d

I will forgo the commentary about this being the wrong place for advice : 8 out of 10 degenerates are posting crashing portfolio's to zero that should be your guide. BUY VOO an index fund. If you must own stocks Diversify buy 5 to10 stocks . VZ I like the stock Verizon is way off =its high Great dividend and will appreciate . a few more AAPL, CAT , a bank I like RF the best ,BAC or WFC, MCD , AMZN ,maybe BA, BRKB If you like to go a little tech heavy add MSFT. Want an auto maker F .This is a sleep like a baby portfolio. You buy these I honestly believe you delete app come back in 10 years you will be happy.

https://preview.redd.it/ca444ve0jgga1.jpeg?width=640&format=pjpg&auto=webp&v=enabled&s=f7f66ba5609606e5a9cddc510fa4b87b2ed42960

This was the bottom of the covid pandemic. Rates were above 3% in february of 2020. The sp was around 3400. At this moment the sp was around 2237 on March of 23. The rates rise during economic strength. Which is what we are seiing.

How did you get a $2 call for .03?

https://preview.redd.it/yue0xuj4gfga1.png?width=828&format=png&auto=webp&v=enabled&s=91dfa3ab1ebb2a03f290ab82a4b1ba217f4addc0

https://preview.redd.it/218dw5t26fga1.jpeg?width=600&format=pjpg&auto=webp&v=enabled&s=d100ba8eabd90463bc8252758bdbc28e7ef31104

Prediction for tomorrow

I love the fact that he proudly posted this on his Twitter

https://twitter.com/OGTraderTV/status/1621771695374876672

https://preview.redd.it/r1aiqd3p0fga1.jpeg?width=1179&format=pjpg&auto=webp&v=enabled&s=0f854a72e67b8ad58d1b09a4d3cfdb8054ba39b1

Maybe if it was a Ba ba Balloon

If you believe we are at war buy rtx ba.

https://preview.redd.it/xmttizflsbga1.jpeg?width=2778&format=pjpg&auto=webp&v=enabled&s=38272972297c2583b4dd59ba4b1a36a943dad945

Honestly? I would rent for 6 months just to settle yourself mentally. Divorce is hard enough without adding an immediate move.

Longterm, I would move and buy a house "down south". Atlanta, for example, has condos/townhomes in the $200k range for a 2b/2ba and the children's hospital there is amazing. Plus, easy flights to Boston and decent jobs.

But give yourself a little grace first to focus on your health and mental needs.

I just use the BA11+ app.

I used the physical calculator when I was doing my Finance degree.

https://preview.redd.it/c24oigvjgaga1.png?width=750&format=png&auto=webp&v=enabled&s=c4025a1023a8166db454a1f4e7f741f4ba4e3c39

https://imgur.com/a/RYz1baW

BA11+ app for a financial calculator.

N=10 I/y= 8 PV=-$1100 PMT= 0 Compute FV

FV=$2374.82

https://preview.redd.it/ogyi51wx2aga1.jpeg?width=1170&format=pjpg&auto=webp&v=enabled&s=cc5917c97981f9e955ba5d626538e37e5ee1c0ea

Nicely done!! Always go with your gut

&#x200B;

https://preview.redd.it/p3jgk2cl2aga1.png?width=1216&format=png&auto=webp&v=enabled&s=cdf517939ba4cf96ae9928b45afef1d517170c7f

Lol ba-ba-balloooey-loon.

BA>!LOO!<N

Love this play MULN TO MOON

https://preview.redd.it/h9duyrorp9ga1.jpeg?width=720&format=pjpg&auto=webp&v=enabled&s=a73a1145f918f8618810249f5fd5222ed17b08ba

https://preview.redd.it/1knvd1m0i9ga1.png?width=1080&format=pjpg&auto=webp&v=enabled&s=3b912f0a838c4df3e5fbf07ba8b4a6beb17905ef

When you live long enough see yourself become a lizard man

Apple has officially full regard.

When you same "make" do you mean profit, only selling out of 10k to 15k securities in the account?

Also, BA is a good long term hold because of government contracts. Unironically, too big to fail.

So if you have $40k in your brokerage account and you just want to make like $10k-$15k before you cash out, how many thousand shares of BA do you need to be comfortable selling? I don’t really follow the stock but it seems overly valued right now. Or is the yield supposed to make up for that? Seems like the dividend yield is pretty high too. Maybe I’m missing something… Maybe this will be my first rodeo 😁👍🏻

This the gayest room in my house

https://i.imgur.com/Utow4BA.jpg

The bigger problem is that you can’t really do much with a BA anymore*

*unless it’s like math or teaching

I did the same bro! I bought otm May calls at 17 c

https://preview.redd.it/z2f8gpxz46ga1.jpeg?width=1125&format=pjpg&auto=webp&v=enabled&s=cab3df99e311e179aaa4f39ccf99f758ba410969

I've seen the stats for the median salary for grads with a psych degree. It's in the low 30k range. They're getting the BA and working at Starbucks. It's an oversaturation of BA's and not nearly enough people taking it any further than that. They aren't qualified to be real mental health care providers.

I fumbled the bag in June '21 with AMC calls up over 70k off of just a grand or so if I remember correctly. Got greedy held too long and YOLOd insane otm calls for that same Friday and lost 20k instantly, then rode the rest down to like 3k after taking 10k out

https://preview.redd.it/ghwebdnrn5ga1.jpeg?width=1080&format=pjpg&auto=webp&v=enabled&s=2ffb88fd0ba7c313f211faa27c3e9655e604bbbb

Why do they only talk about cheesesteaks in Philly when they got the amazing John's roast pork sandwich with sharp provolone, longhots, and rabe:

https://www.visitphilly.com/wp-content/uploads/2017/12/photo-by-E-Teel-Johns-Roast-Pork-2200x1237px.jpg

Or the italian pulled pork from DiNic's: https://i.pinimg.com/originals/2a/29/d6/2a29d6f3169f1ba717cdd5a10f7c6b10.jpg (literally the best sandwich I've ever eaten in my life)

Cheesesteaks are for tourists

I live in your area. Do you really need a large, full-size, single family home right now? That's what $1.75-2.25 million would buy you: 4 BR, 3 BA, 2500-3500 sq. ft. in the Burbank Hills, Verdugo Woodlands, La Crescenta, Montrose areas (all very safe, obviously). Prices have stabilized in the last year too, at least according to the apps out there.

You should be in no rush to buy a house right now if your lifestyle does not require it. In cheaper ares than LA, then maybe it would be worth it right now.

https://preview.redd.it/t55bvh2et4ga1.jpeg?width=828&format=pjpg&auto=webp&v=enabled&s=91ba48b97ca03e6b16364db0998ad0c1ad59e383

https://youtu.be/rRspB7EJzBA?t=117

Onlyfans. Ba-ding!

Single father here to a child with cerebral palsy with zero help from mother or mothers family, back in school to get my BA in accounting. Currently have assistance from father and step mother in the form of cheap rent for 2 bedrooms and I work as a tutor at my uni part time for a total of around 15k/year.

You don’t get to call yourself a victim for the sole fact that you have a vagina.

Ba(r)F

ba

hOw To CaNcEl BaNbEt?¿?¿

Things looking quite frothy out there. Negative divergence and buying exhaustion on pretty much every sector with many pushing 3+ ATR. Setting up for inevitable mean reversion. Added more BA puts, SPX CCS, and NVDA CCS. Play both sides.

Fortune favors the bold, gentleman and ladies

Ba patient; hold tight

https://preview.redd.it/yuo0rok5o1ga1.jpeg?width=1440&format=pjpg&auto=webp&v=enabled&s=334497eefeed4e427a42c5ba43c0e115ed4c83c5

Sorry brother we did opposite way

https://preview.redd.it/qi80tza4m1ga1.jpeg?width=1170&format=pjpg&auto=webp&v=enabled&s=fdc8555e5929b1479f4d41d79ec09078ba0c4f16

Uno reverse

Do you have a mechanic you like or trust? Do your friends have mechanics they like or trust?

My mechanic told me honestly multiple times what he thought the longevity of my vehicle(s) in their current state would be.

That's a more informed decision than people going off limited info on the internet.

Last comment is... your ba is "super busted" but when you talk about fixing it, its not all of nothing. What if you just fixed the AC, around may, and don't sweat the rest. Fixing your car is not a unit, yes/no. Its a bunch of smaller individual choices you should weigh separately.