# Off topic split from Interesting Data About Inflation and Millenials - 1970 vs 2017

Discussion in 'Free Thoughts' started by dumbest man on earth, Sep 14, 2017.

1. ### dumbest man on earthReal Eyes Realize Real LiesValued Senior Member

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2,856
So : 30% of $51,937.60 =$15,581.28
: $368,300.00 /$15,581.28 = 23.637 (years)

Ergo :
So : evidently these NON-lazy "millennials" are able to secure Loans/Mortgages with 0% Interest Rates and no Loan/Mortgage Fees?
So : being able to secure a Loan/Mortgage of $368,300.00 on an Income of$51,937.60 with absolutely NO Interest - NO Loan/Mortgage Fees - No Closing Costs - is to be considered : "a financial situation that is, quite simply, untenable." ?

Maybe these "millennials" should recheck their Mathematics/Figures/Loan Fees...
http://www.bankrate.com/partners/sem/mortgage-groupb.aspx?type=newmortgage&market=60&propertyvalue=237500&loan=368300&perc=30&prods=1&fico=740&points=Zero&cs=1&s_kwcid=AL!1325!3!210548592957!b!!g!! mortgage loan interest rate&gclid=EAIaIQobChMIqur8po6l1gIVhEGGCh3YZw82EAAYBCAAEgI-aPD_BwE&ef_id=WbqpQQAAAHG-qXb3:20170914163750:s
- from ^above^ :
$368,300.00 House with 30% Down Payment ( Principle Loan amount =$257,810.00 ) @ 3.625 % Fixed APR = $1,680.00 Month ($20,160 yearly or Over 38% of Income @ $51,937.60 ) =$604,800 repaid over 30 years...

3. ### KittamaruNever cruel nor cowardly...Staff Member

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13,781
Yes, thus it would be a 25 year mortgage (to my knowledge, they are done in, at minimum, 5 year intervals - so you couldn't get a 23 year mortgage; or, at least, I haven't seen anywhere that would do one)

Show me where you can get a mortgage with no interest, no closing costs, no fees?

And your point is... what, exactly? Again - show me where you can do what you said - get a near $370k loan with no interest, no fees, no closing costs, no PIM, etc. Additionally, none of what you said refutes the main point - folks today don't have the same opportunities in terms of what their money will buy that were had two generations ago. Housing was just one part of that... how convenient that you ignored the rest to push your preferred narrative. How do you put it? Oh yeah... Grok'd! 4. ### GuestGuest Advertisement to hide all adverts. 5. ### dumbest man on earthReal Eyes Realize Real LiesValued Senior Member Messages: 2,856 Slow your roll, there, Kittamaru...You are the one that claimed/stated :$15,581.28 x 23.6 years would pay off a $368,300.00 Loan/Mortgage - For that to be true, it would have to be "a mortgage with no interest, no closing costs, no fees" To the best of my Knowledge, ""a mortgage with no interest, no closing costs, no fees" is not available to someone making a$51,937.60 Yearly Income...Which is precisely why I TRIED TO POINT THAT OUT TO YOU!!!

See above, Kittamaru.
Again, it was you, Kittamaru, that must have been alluding to "a near \$370k loan with no interest, no fees, no closing costs, no PIM, etc" to come up with the Figures you Posted in the OP!! :
So...I never "said" that, Kittamaru...it was you that Posted the ^^above quoted^^ in your OP!

What, Kittamaru, is this imagined, alleged and non-existent "preferred narrative"?
Also, Kittamaru, just because I did not choose to comment on "the rest" does not mean that I "ignored the rest to push" your imagined, alleged and non-existent "preferred narrative".

By your response, Kittamaru, it is clear that you have no understanding of the words Grok or Grok'd, nor the proper usage of said words.

Sorry, Kittamaru, please accept my condolences.

Last edited: Sep 14, 2017

7. ### KittamaruNever cruel nor cowardly...Staff Member

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13,781

These were direct pricing comparisons before adding in other costs, to keep things simplified.

Again, perhaps you should read the entire post? Then again, given that your intent (as evidenced by your past behavior) was not to actually correct a perceived mistake, but rather to make a none-too-subtle dig at someone you have a beef with, it isn't a surprise.

Funny, because that's precisely what you, well, attempted.

I guess that would depend on your intended meaning:
If you go by the Oxford English Dictionary:
https://en.oxforddictionaries.com/definition/grok
- Understand (something) intuitively or by empathy.

I'm presuming, given your past usage of it, that you are referring to Robert A. Heinleins meaning in Stranger in a Strange Land.

Or, perhaps, you are more familiar with it's meaning in coding and programming, the ability to intrinsically and intimately know a language such that you could code it naturally.

I, however, was merely emulating your behavior in throwing it out there in what, to an uninitiated person, would appear to be seemingly at random.

8. ### dumbest man on earthReal Eyes Realize Real LiesValued Senior Member

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2,856
Since engaging in Honest, Earnest, Open and Honest Discussion seems to be beyond your abilities, Kittamaru...
Since you seem to think that Ad Hominems, Spurious Allegations and Puerile Excuses are part of any Adult discussions, Kittamaru...
Again, sorry Kittamaru, please accept my condolences.

P.S. Nice of you to include the childish emoji - was it a way for you to Post a perfect example of "a none-too-subtle dig at someone (THAT) YOU (CLEARLY) have a beef with"...???!!!

9. ### KittamaruNever cruel nor cowardly...Staff Member

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13,781
I notice you failed to take note that your entire premise was faulty - not surprised, but hardly welcome. Rather shameful of you to be so openly dishonest, though - you normally at least try to be subtle about it.

*snrk* Oh my DMOE, you are fooling exactly nobody. Especially with your history of one-word drive-by shitposts (or, even better, your "..." shitposts)

Get out of here with your bullshit

Oh, and you can take your condolences with you - I've no desire for such dishonest tripe.

10. ### dumbest man on earthReal Eyes Realize Real LiesValued Senior Member

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2,856
Meh....nothing but Ad Hominems, needless cussing, spurious allegations...and another Childish Emoji...
Seriously, paddob...er...Kittamaru, you only seem to be trying to prove that I am " someone you have a beef with ".

11. ### KittamaruNever cruel nor cowardly...Staff Member

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13,781
I do - your blatant and repeated disregard for forum rules.

Now that we have fully established that you are not, in fact, in this thread to discuss the topic, I think we can purge the nonsensical crap into a separate thread so that anyone who actually wants to discuss it can do so.

12. ### dumbest man on earthReal Eyes Realize Real LiesValued Senior Member

Messages:
2,856
May I humbly request, Kittamaru, that you provide direct quoted examples from my four (4) ^^above^^ Posts of "blatant and repeated disregard for forum rules" - and exactly which "forum rules" that they are "blatant(ly) and repeated(ly) disregard(ing)...PLEASE?
Meh...still nothing but Ad Hominems, Spurious Allegations and of course the Childish Emoji!

And now...excising/moving Posts???!!!

Meh...

13. ### KittamaruNever cruel nor cowardly...Staff Member

Messages:
13,781
I'd be happy to provide you with examples, though you will have to wait a little (at my other job now and only have access via my phone)

I am curious how I ad hominem attacked you by simply posting a self obvious truth.

14. ### dumbest man on earthReal Eyes Realize Real LiesValued Senior Member

Messages:
2,856
" Personal attacks, threats and stalking
I2. A personal attack on another member usually involves the word ‘you’, express or implied by context, combined with a negative comment. Attacks on another member (known as ad hominem attacks), as opposed to criticisms of his or her arguments, are not tolerated. Childish name-calling, such as referring to a member as a ‘moron’, ‘twit’, or ‘idiot’, is one obvious example of a personal attack."

Example from your Post #2 ^^ above ^^ : "how convenient that you ignored the rest to push your preferred narrative."

Examples from your Post #4 ^^ above ^^ : "if you had read the post in full:"
; "perhaps you should read the entire post"
; "given that your intent (as evidenced by your past behavior) was not to actually correct a perceived mistake, but rather to make a none-too-subtle dig at someone you have a beef with, it isn't a surprise.
; "that's precisely what
you, well, attempted."
; "emulating
your behavior in throwing it out there in what, to an uninitiated person, would appear to be seemingly at random.

Examples from your Post #6 ^^ above ^^ : " you failed to take note that your entire premise was faulty - not surprised, but hardly welcome."
; "Rather shameful of
you to be so openly dishonest, though - you normally at least try to be subtle about it."
; " Oh my DMOE,
you are fooling exactly nobody."
; "
your history of one-word drive-by shitposts"
; "(or, even better,
; "Get out of here with

; "
you can take your condolences with you - I've no desire for such dishonest tripe."

Examples from your Post #8 ^^ above ^^ : "your blatant and repeated disregard for forum rules."
; "that you are not, in fact, in this thread to discuss the topic, I think we can purge the nonsensical crap into a separate thread "

All of the ^^above examples^^ of direct Ad Hominems were Posted by you, Kittamaru.

15. ### KittamaruNever cruel nor cowardly...Staff Member

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13,781
Except you miss one key detail - I'm not debating an argument with you. I am simply stating a fact. At most, you could claim I was insulting you character (laughable) or that I was committing Libel (at which point you would have to prove some sort of loss or damage from what I am saying, as well as proving what I am saying is false).

So, in short - no, I am not commit "argumentum ad hominem", per the definition, as I am not rebuking any argument of yours.

Examples to be posted next.

16. ### KittamaruNever cruel nor cowardly...Staff Member

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13,781
As you requested:

Examples of drive-by shitposts that contribute nothing to the thread:

(I think it telling that you have, at times, taken to referring to people you disagree with as paddoboy... as though his name was some sort of slur)

This entire diatribe is just an attack against Paddoboy... a member that you all but stalked for months and were warned repeatedly, by various moderators (and, I believe, even James at one point) regarding.

This list could keep growing for... quite a while.

General vexatious posting:
Here you were requested several times for clarity, and gave none.

For a more specific example of your trollish behavior, there is this gem:

Your attempt to be pedantic was as transparent as usual...

Further examples of your attempts to elicit emotional responses so that you can play the victim:

Other misc trolling:
Oh, and let us not forget the time you tried to blame Paddoboy for illegal activity...

Which Bells took you to task for...

Now, this list could easily continue... but I believe the point is pretty obvious to anyone who wishes to look - you are here to troll, stir the shitpot, and generally cause trouble.

17. ### dumbest man on earthReal Eyes Realize Real LiesValued Senior Member

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2,856
Wow, all that - yet not one single example of what I actually requested in my Post #9!!!
And which you threatened to provide in your Post #10!
- the actual "request" from my Post # 9 :
"May I humbly request, Kittamaru, that you provide direct quoted examples from my four (4) ^^above^^ Posts of "blatant and repeated disregard for forum rules" - and exactly which "forum rules" that they are "blatant(ly) and repeated(ly) disregard(ing)...PLEASE? "

So...Kittamaru, there seems to be a serious discrepancy between what I Post in REALITY and what/how you choose to READ of/into those Posts!

So, again Kittamaru, my sincere condolences.

18. ### KittamaruNever cruel nor cowardly...Staff Member

Messages:
13,781

Since I, apparently, have to spell it out for you:

Taken from here:

From the get go:

You attacked, threatened, stalked, and trolled Paddoboy for quite some time.

Lets move on to:

and

Hm... so, we have a RASH of posts from you that are nothing more than "..." or "grok'd".

That falls under the category of "trolling" and "vexatious posting".

Finally:
You have, at present, had 29 separate infractions issued to you, of which more than a third have been for trolling or other inappropriate behavior, issued by four different members of the staff, including being warned for needlessly spamming the "report" function.

So, that's "Drain of moderator time" checked as well.

So, sorry DMOE, but you don't get to play the victim here.

19. ### dumbest man on earthReal Eyes Realize Real LiesValued Senior Member

Messages:
2,856
It is clearly evident from your Postings, that you have chosen "to play the victim here", Kittamaru.

I merely requested, in my Post #9 : "May I humbly request, Kittamaru, that you provide direct quoted examples from my four (4) ^^above^^ Posts of "blatant and repeated disregard for forum rules" - and exactly which "forum rules" that they are "blatant(ly) and repeated(ly) disregard(ing)...PLEASE? "

You responded, in your Post #10 : "I'd be happy to provide you with examples...".
You have not even attempted to provide any such examples.
You have only flooded the Thread with more Ad Hominems and Allegations - and have not even tried to remain close to the Topic.
Any and all of your Subjective Rants,the numerous examples of your continual Bias', Prejudicial hang-ups and inability to READ what is ACTUALLY WRITTEN in my Posts...is nothing more than you choosing/attempting "to play the victim here", Kittamaru.

So back on Topic:
May I humbly request, Kittamaru, that you provide direct quoted examples from my ^^above^^ Posts : #1 ; #3 ; #5 and #7 of these alleged "blatant and repeated disregard for forum rules" - and exactly which "forum rules" that they are "blatant(ly) and repeated(ly) disregard(ing)...PLEASE? "

You made the ACCUSATION, Kittamaru, :

So PLEASE would you be so kind as to provide the EVIDENCE utilizing direct quoted examples from my ^^above^^ Posts : #1 ; #3 ; #5 and #7 of these alleged "blatant and repeated disregard for forum rules" - and exactly which "forum rules" that they are "blatant(ly) and repeated(ly) disregard(ing)...PLEASE? "

20. ### KittamaruNever cruel nor cowardly...Staff Member

Messages:
13,781
Sorry DMOE, as I said - you don't get to play the victim card.

And I did - I provided you over two dozen examples for you, which you chose to simply disregard because you don't like it.

Sorry DMOE, as I said - you don't get to play the victim card.

Okay DMOE, if you want to play this way -

What, precisely, did you mean when you wrote the following:

What is the deeper meaning to those posts. Be specific.

No, you may not request anything further. I provided the directly quoted examples, and even explained how they are in violation of the forum rules.

If you are unable to understand that, then you have no business on SciForums, period.

And now you are, once again, trolling, by ignoring the already presented evidence that you dislike and attempting to be knowingly and willfully dishonest.

Guess what DMOE - that charade got tired a long time ago.

So, what you are going to do is simple: you will attempt to explain each and every example I already provided in post 13 and how it is you feel they do not violate forum rules. You will be specific, and you will answer for each of them.

Do you understand to the point of "grok", or do you need it distilled down for you?

21. ### dumbest man on earthReal Eyes Realize Real LiesValued Senior Member

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2,856
I am not PLAYING anything, Kittamaru!
None of those examples were from any of my Posts in that you moved to this Thread - NOT ONE SINGLE EXAMPLE, PERIOD.
Thanks for responding and clarifying - response was read by me and understood fully - no need to make any further comment

Thanks for responding and clarifying - response was read by me and understood fully - no need to make any further comment

Read your Post - Fully Understood it - Fully agree with it - no need to make any further comment

Read your Post - fully understood what you said - no need to make any further comment
No deeper meaning, Kittamaru.
How much more specific can I get?
As an aside, why did you not ask for clarification of those Posts when they were Posted?

Sorry, Kittamaru, but you provided NO EXAMPLES, directly quoted from any of my Posts #'s : #1 ; #3 ; #5 or #7 that you moved to this Thread.
Not sure if you are trying to Threaten me, or intimidate me, Kittamaru...
At any rate, it does not matter because you can do neither.

22. ### dumbest man on earthReal Eyes Realize Real LiesValued Senior Member

Messages:
2,856
Kittamaru, may I humbly request that you provide direct quotes from any of my Posts : #1 ; #3 ; #5 ; or #7 that you moved to this Thread - that are examples of "blatant and repeated disregard for forum rules"?
Please provide DIRECT QUOTES from the four(4) Posts that you excised from the Original Thread because you claimed that they were "blatant and repeated disregard for forum rules".

23. ### exchemistValued Senior Member

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7,226
I have had DMOE on Ignore for the last 18months or more for precisely the reasons illustrated here. Given a free drop I'd ban DMOE, along with River and Magical Realist. I know it will never happen......but a man can dream.....

sweetpea likes this.