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 on: Today at 11:10:49 AM 
Started by Crafty_Dog - Last post by DougMacG
If I am not mistaken if Romney had matched Bush's 40% he would have won.

Winning an even slightly greater share of any and all of these demographic groups matters.  Black, Hispanic, gay, Jew, Catholic, single mom, soccer mom, urban dwellers, media people, academia, (martial artists?), etc. etc., we have to convince them that there are other viewpoints and it is okay to choose one that is not what everyone else you know is choosing.  Each time they see one more person slip over to the other side they face the possibility of being curious about what they are not seeing.

We have former liberals right here on the board...

 on: Today at 10:59:46 AM 
Started by Crafty_Dog - Last post by DougMacG
Thanks Crafty.  One more example:  The US bought Alaska (Someone's Folly) and Britain leased Hong Kong.  99 years goes by quickly.  Who has the strategic advantage now?

If not for property taxes, debt, and a hundred other problems that could come up, it's better to own than rent.

Objectivist:  Yes, it is rare (but can be done) for people to be smart and disciplined enough to rent beneath their means and accumulate wealth outside of real estate.  My advice to some in similar situations is to rent inexpensively where you live but buy and own the land under your red state, dream home getaway where you plan to live either in retirement or economic collapse.

I know that you know this, but savings in dollar based investments may not be savings at all.  Real estate has ups and downs but like is partly limited in quantity and independent from the currency. 

 on: Today at 03:24:09 AM 
Started by lonelydog - Last post by lonelydog
i'm working on the tribal gathering HL clip...  meanwhile here the next workout video

 on: Today at 12:17:38 AM 
Started by Crafty_Dog - Last post by Crafty_Dog

 on: July 29, 2015, 10:12:45 PM 
Started by Bob Burgee - Last post by Bob Burgee
Greetings DBMA Association Members!

2 New July 1998 Archive Sparring Clips.

DBMA Archive - 1998 - July - Group Class Sparring - 03
DBMA Archive - 1998 - July - Group Class Sparring - 04

All the best.


 on: July 29, 2015, 07:49:17 PM 
Started by Crafty_Dog - Last post by Crafty_Dog
Well argued Doug, point taken.

 on: July 29, 2015, 07:37:51 PM 
Started by Crafty_Dog - Last post by objectivist1

I agree with you 100%.  You articulated the case better than I would have.  I happen to be one of those less than 1% that prefer to rent, but I am keenly aware that I am in a tiny minority.  I have my own reasons, which include not wanting to be tied down to one location, but you are correct that MOST people who are not buying, aren't doing so because they CAN'T.  It's not because they think buying is a poor investment decision.

 on: July 29, 2015, 07:21:37 PM 
Started by Crafty_Dog - Last post by DougMacG
Due to the bursting of the bubble, it makes perfect sense that lots of people no longer believe owning a home is a good investment. 

Non performance of the housing market does not explain worst homeownership rate in nearly a half century, IMHO.  I ask rental applicants all the time, why don't you just buy this house?  They laugh and then explain about needing years to get their income up and their credit rating restored.

Housing is tied to employment and income, and also spending choices that show up on credit reports.  Homeownership rate is tied to worforce participation rate, not the badly understated unemployment rate.  100% of the 37% of adults not in the workforce and 11% of the others are unemployed or underemployed.  The new, part time economy does not lend itself well to home ownership or credit restoration - as costs keep going up.  Housing demand will bump up if/when real employment and take-home income bumps up.

Almost NO ONE prefers renting to owning, waiting for the landlord to fix something, waiting for the landlord to raise your rent, having their house sold out from under them or their lease non renewed.  Renting isn't cheaper than buying when interest rates are below 4%. 

99% of renters I meet rent because they can't buy right now, not because of a risk averse investment strategy.  While interest rates went down for the best borrowers, every other borrowing requirement went up.

For those owning real estate without debt, the last downturn changed nothing.  I sold nothing, bought a couple more, and now the values are most of the way back in most locations.  Meanwhile rental demand increased making ownership even more desirable. 

  - Rental Manager, Ulysses Up  (pronounced: yo lease is up)

 on: July 29, 2015, 07:05:13 PM 
Started by Quijote - Last post by Crafty_Dog
George sure has a way with words!

 on: July 29, 2015, 06:59:52 PM 
Started by Crafty_Dog - Last post by Crafty_Dog
If I am not mistaken if Romney had matched Bush's 40% he would have won.

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