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udx

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udx last won the day on November 24 2014

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  1. Looks like you have absolutely no faith in God's power and do not see how God is in control. No, the Constitution is not only meant to protect Christians. It is meant to protect everybody from the government. Once you start to single out a certain group of people, the protection is already lost. It would then always depend on the whims of the government which group of people would be afforded protection, certain groups would have more rights and equality than others, instead of everybody having the same rights. The encroachment of Muslim influence on American society is only a symptom of spiritual decay. Just trying to cure the symptom may solve the problem for a time, but it doesn't solve the underlying issue.
  2. I strongly disagree. Outlawing any religion is unconstitutional, and would sit forth precedent to outlawing other religions including Christianity. There would be no longer freedom of religion. Instead of viewing as an invasion, you should view it in God's eyes and see it as an opportunity to preach the gospel to the Muslim community. It is a lot less risky to preach the gospel to the Muslim community here instead of sending missionaries to Muslim countries. Spread the gospel back to Muslim countries by converting the Muslims coming into the country. My local Church and Pastor are pushing and equipping the congregation on how to witness to the Muslim community.
  3. I wouldn't work for you either, if you cut my hours to such a paltry amount for so little pay.
  4. I agree. With how much property tax people are burden with, it is pretty much renting. If you can't pay the property tax, your property would be taken from you just like if you fail to pay the rent.
  5. Ah.. Seems like you want to use the I have more experience than you type of argument on me. I should clarify then. I used to own a house, but sold it. I have rented the house out while I owned it. Why don't we go back to discussing the issue instead of these irrelevant details.
  6. Where did you get this magic number of 10% over any other number? Why do you get to decide the demarcation line between greedy and not greedy in isolation of any other factors? Real Estate – Without using any debt, real estate return demands from investors mirror those of business ownership and stocks. The real rate of return for good, non-leveraged properties is roughly 7% after inflation. Since we have gone through decades of 3% inflation, over the past 20 years, that figure has stabilized at 10%. Riskier projects require higher rates of return. Plus, real estate investors are known for using mortgages, which are a form of leverage, to increase the return on their investment. http://beginnersinvest.about.com/od/beginnerscorner/a/What-Is-Considered-A-Good-Rate-Of-Return-On-Your-Investments.htm That does not answer the question. Why do you get to decide it is greed if it is over 10%? Like the article says.. and what I implied, risker project require higher return rates. Are you a property owner who rents out homes? No. Just a person who dislike and challenge arguments/positions that are very one sided.
  7. Where did you get this magic number of 10% over any other number? Why do you get to decide the demarcation line between greedy and not greedy in isolation of any other factors? Real Estate – Without using any debt, real estate return demands from investors mirror those of business ownership and stocks. The real rate of return for good, non-leveraged properties is roughly 7% after inflation. Since we have gone through decades of 3% inflation, over the past 20 years, that figure has stabilized at 10%. Riskier projects require higher rates of return. Plus, real estate investors are known for using mortgages, which are a form of leverage, to increase the return on their investment. http://beginnersinvest.about.com/od/beginnerscorner/a/What-Is-Considered-A-Good-Rate-Of-Return-On-Your-Investments.htm That does not answer the question. Why do you get to decide it is greed if it is over 10%? Like the article says.. and what I implied, risker project require higher return rates.
  8. Where did you get this magic number of 10% over any other number? Why do you get to decide the demarcation line between greedy and not greedy in isolation of any other factors?
  9. This is how free market works. Market dictate what rental price it would be. This isn't greed. If it is greed to charge as much as what people would be willing to pay, then it is also greed to find to cheapest rental house you can afford (demand the highest wage for a job). Just the flip side of the coin from the owner's perspective. I believe that the free market concept is good. However there is no denying that for many landlords greed is a major factor when the demand exceeds the supply. That is exactly why I said sometime back that mortgage debt is using debt for the right reasons. If any person can save enough for a down payment and has a steady income to cover the monthly payments and necessities, then that is the only way to avoid becoming enslaved to a landlord. With the current level of interest rates, the monthly payments will often be equal to or less than rent. And there are cities in the USA where a house can be purchased at a very reasonable price. Please do a search and see for yourself. Everyone does not have to live in New York. Greed is definitely one of the factors.Buying a home is always the smarter way to go financially because the owner of the home is reaping the benefits. I don't think we should be so quick to judge people as greedy. You don't know people's circumstances. Greed means avid desire for gain or wealth. You don't know people's heart, it is unfair to classify most/all landlords as greedy, just because you think the rent is too high. A lot of people call out other people as greedy, but they are just really coveting person's wealth themselves. I am not coveting their wealth.You should see what kind of rent they are trying to get for a literal run down shack.Then when they have not rented it after a couple of months they come down several hundred dollars. I understand. I am not saying you are, but many people really do look at landlords with envy. Have you ever been a landlord yourself? Do you understand the cost that factor into the rent? We should look into the situation in someone else's perspective and not always pity the poor over who seems to have more. High rental rates only reflects an underlying problem of not enough supply. If you only think it is the landlords fault, then you would be like those politicians that implement those short sighted rent control policies that exacerbate the problem without fixing it. For example in San Francisco, cost of houses/apartment themselves are really high, and lease agreements protects the tenant a lot more than the landlord... landlord have to factor these into the cost of the rent. There are also so call professional renters, that rent apartment but dont play rent. They play the legal game and stay at one place rent free until evicted by police, which could take months, causing tremendous cost the the landlord. A lot of the time the rent barely breaks even on the mortgage, and there is always the risk the real estate do not appreciate, then the landlord would lose money. All these are risks that factor into this rental investment.
  10. This is how free market works. Market dictate what rental price it would be. This isn't greed. If it is greed to charge as much as what people would be willing to pay, then it is also greed to find to cheapest rental house you can afford (demand the highest wage for a job). Just the flip side of the coin from the owner's perspective. I believe that the free market concept is good. However there is no denying that for many landlords greed is a major factor when the demand exceeds the supply. That is exactly why I said sometime back that mortgage debt is using debt for the right reasons. If any person can save enough for a down payment and has a steady income to cover the monthly payments and necessities, then that is the only way to avoid becoming enslaved to a landlord. With the current level of interest rates, the monthly payments will often be equal to or less than rent. And there are cities in the USA where a house can be purchased at a very reasonable price. Please do a search and see for yourself. Everyone does not have to live in New York. Greed is definitely one of the factors.Buying a home is always the smarter way to go financially because the owner of the home is reaping the benefits. I don't think we should be so quick to judge people as greedy. You don't know people's circumstances. Greed means avid desire for gain or wealth. You don't know people's heart, it is unfair to classify most/all landlords as greedy, just because you think the rent is too high. A lot of people call out other people as greedy, but they are just really coveting person's wealth themselves.
  11. If it is the Truth, it can stand up to testing.
  12. I use debt as a tool. I intentionally go into debt, not because I have to, but because it makes financial sense. For example, I could pay my car off in cash, but why pay it off in cash when I could get the car with 0% interest financing while my cash could be earning interest. I would also be paying back the loan with inflated dollars. Real example. There is a car selling for $25k with tax included. You could be paying it with cash for $24.5k with $500 cash rebate. On the other hand I could pay for with 60 monthly installments at 0% over 5 years. But note, i would be paying the loan with inflated dollars which would be worth less than $24.5k in today's dollars, not to mention I could be earning interest with the cash I have on hand. I am essentially taking out a loan of 25k for free! You gotta be disciplined and not spend this money foolishly. This decision wouldn't be the same if interest rate is higher of course. However, one needs to watch out and not overextend by using this cash to do risky investments, but consider it as cash spent and use it on very conservative cash equivalent investments. Debt, like money, is a tool, but few are wise enough to wield it properly. All money are essentially debt, so I do not really distinguished between the two. They are just debt in different forms. Paper money originate from an IOU promising you that you can redeem gold, now it is just an IOU back by the government. If you hold on to money, you are holding someone else's debt. When there are no debt, there would be no money. GoldenEagle's advice on debt not going into debt is good for ordinary people. However, the next level would be how to use debt strategically, make debt and money work for you instead of being controlled by them. If you are not good with money, then stick to GoldenEagle's advice.
  13. I also have a question to add to this. Your question is "Deny Christ or die!"... Would you do it, and why? Adding to that would be, "Deny Christ or other people (friends/family) would die!" Would you do it, and why?
  14. udx

    Building credit

    If your income is too low compare to the loan you are getting you are going to get turned down no matter how high your credit is. It seems like this is the case right now, you have too much debt relative to income, or the loan you want to get is too big. At your current credit score you should be able to get any loans.
  15. By the way, most of the female profiles on the site are fake. It is more sin of the heart than anything else. I doubt any actual physical cheating occurred. http://gizmodo.com/almost-none-of-the-women-in-the-ashley-madison-database-1725558944
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