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  1. jbpayne32

    Housing affordability

    Would also look at the Georgia Dream program and potentially a USDA loan which requires 0% down if you are in a rural area. https://dca.ga.gov/sites/default/files/updated_vertical_english_brochure_2.5.24_0.pdf
  2. jbpayne32

    Housing affordability

    The two biggest are zoning and community pushback. For instance, in Phoenix it is illegal to build housing on a lot smaller than 6k sqft. Houston reduced the min. lot size from 5k to 1,400 sqft and built tens of thousands of townhomes and other affordable housing in high-demand neighborhoods...
  3. jbpayne32

    Housing affordability

    From another article. John Kobierowski, president and CEO of real estate brokerage firm ABI Multifamily, shares similar concerns about Phoenix’s impending supply and demand fundamentals. “With all of these folks coming here, we can’t keep up with the demand for housing,” he says, noting that...
  4. jbpayne32

    BREAKING: Appellate Court Rules Trump Can Post $175 Million Bond to Cover Letitia James’ Judgment – Trump Responds

    Ran approve...
  5. jbpayne32

    BREAKING: Appellate Court Rules Trump Can Post $175 Million Bond to Cover Letitia James’ Judgment – Trump Responds

    So now he has to pay $175M to continue his appeal not to pay $464M and when he loses the appeal, he still has to pay $464M...
  6. jbpayne32

    If the NYC democrat judge and DA unilaterally seize DJT's assets, they will be electing him....

    He was found guilty of financial fraud. How is that an overreach? He owes $454M to the state of NY. If he can't pay, then they should seize his assets until the state gets its money. They certainly wouldn't provide you any leniency, if you were in the same situation.
  7. jbpayne32

    Why is it ok for the Chinese to own land in America but not a social media app?

    Actually, the bill incentivizes the Chinese parent company, Byte Dance to divest TikTok or face a ban of the app. The bill gives the executive branch power to designate other social media apps owned by foreign adversaries as a threat to national security, but that’s a pretty limited power...
  8. jbpayne32

    Are you better off than you were four years ago?

    Yup!
  9. jbpayne32

    Are you better off than you were four years ago?

    Backend, yup. In fact, have one closing next week with a 66% backend.
  10. jbpayne32

    Are you better off than you were four years ago?

    4 years ago at the grocery store…
  11. jbpayne32

    Are you better off than you were four years ago?

    And why was there a giant spike right before he left office? The government gave people and businesses $2.2T... https://fred.stlouisfed.org/series/LES1252881600Q
  12. jbpayne32

    Are you better off than you were four years ago?

    Credit Card debt as a percentage of total income is below pre-pandemic levels. It is not a 'canary in a coal mine'. https://fred.stlouisfed.org/graph/?g=17uYh Despite higher interest rates, delinquency rates are well below historical trends: https://fred.stlouisfed.org/series/DRCCLACBS
  13. jbpayne32

    How is that Inflation Reduction Act……

    Private manufacturing construction spending is off the charts: https://fred.stlouisfed.org/series/TLMFGCONS Insulin has been capped at $35 a month for everyone Free vaccines for Medicare patients Since the IRA was passed, the US battery production capacity pipeline has experienced growth...
  14. jbpayne32

    Fun fact: if you feel like life in general used to be a lot better, it's not your imagination. 1983 the median income...

    The average home was 1,500 square feet. Over 50% of families only had 1 car. Only 12% of homes had AC and 20% of cars. Not to mention, heart surgery and cancer treatments were in their infancy or yet to be invented. Cars didn't have seatbelts and the vehicle death rate was much higher. Life...
  15. jbpayne32

    Fun fact: if you feel like life in general used to be a lot better, it's not your imagination. 1983 the median income...

    Yeah, this is just not right. 1983 Mean: $20k and $60k in 2023 dollars 2023 Mean: $74k At least maybe looks up a source or two before posting some stuff that’s just not close.
  16. jbpayne32

    Dec and Jan jobs reports revised WAY down

    They survey 122,000 employers every month from over 600k different worksites. Then parse that data to come up with a number. Not to mention the number of businesses, types of businesses and businesses that report late and they have to adjust things. Long story short, it’s REALLY HARD to do...
  17. jbpayne32

    Dec and Jan jobs reports revised WAY down

    Jesus, do we have to do this again? Dec was actually revised UP and over time revisions happen both ways, not because of politics, but because IT IS REALLY HARD TO ACCURATELY SURVEY THE NUMBER OF JOBS CREATED OR LOST IN A MONTH BY THE FIRST FRIDAY OF THE NEXT MONTH...
  18. jbpayne32

    25 reasons why E.J. won't see a dime from Trump

    And why was Trump’s number positive and why would I start measuring prior to the pandemic? I don’t know, maybe having 8M low wage workers leave the workforce all at once might have skewed that data a bit…might be a bit of an outlier… https://fred.stlouisfed.org/series/LES1252881600Q
  19. jbpayne32

    This is no State of the Union address

    It’s been a really good speech. Not much Mike Johnson has disagreed with
  20. jbpayne32

    25 reasons why E.J. won't see a dime from Trump

    Pretty clear you didn’t understand that Real wages took inflation into account. Since Q3 2019, before the pandemic, wages are up 1.7 percent and are up 3.2 percent for people at the 25% percentile for wages (lower middle class).
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