From Robb Report:
Here’s How the Real Estate Market Will Fare Next Year, According to 2025 Housing Forecasts
As 2024 draws to a close, it’s time for buyers, sellers, and renters to prepare for what the housing market will have in store next year.
If you’re planning on snapping up a second home or parting ways with your property, the real estate sector is entering a new phase. As a refresher, homeprice growth hit 4 percent in 2024, up from 1.1 percent in 2023, while average mortgage rates hovered around 6.3 percent, according to Realtor.com’s 2025 forecast. As of the third quarter, the median sale price in the United States was $420,400, a 32 percent jump from Q3 2020. Rents nationwide rose as well, coming in at $1,382 a month in November which is 20 percent higher than what they were in January 2020, The New York Times reported.
“This past year brought us a surprising upward trend in home price growth despite the persistence of high mortgage rates and rising inventory,” Realtor.com economists wrote in the report. “Mortgage rates are expected to keep mortgage payments essentially unchanged in 2025 despite continued home price growth.”
Per the experts, home prices are projected to soar an additional 3.7 percent within the next year after hitting an all-time high. On the upside, when it comes to supply, inventory is expected to surge 11.7 percent, making the market less competitive and giving buyers more time to negotiate. However, those who have been waiting on the sidelines may actually drive up the number of home sales in 2025. Redfin predicts approximately four million homes will be sold by the end of next year with an expected annual increase in the number of sales rising between 2 percent and 9 percent.
“Prices are going to keep rising because we’re not going to have a recession,” Ralph McLaughlin, a senior economist at Realtor.com, told Business Insider. “If you look at the times that home prices fall, it’s typically only when there’s a recession, and only when people are forced to sell.”
Foist
Brian Thompson lived in a mansion; drove a luxury car; sailed in a yacht and took his bonuses, all paid for by the screams and pain and agony and desperation of people he denied medical care to. Every time he pushed the start button on his 120,000 dollar Land Rover, it was to the screams of a bone cancer victim he withheld medical payments to so they couldn’t get treatment.
And now, his family, in their opulent house with their Saks Fifth Avenue clothing and expensive skis, bikes, toys – all paid for by the agony of people who could not get health care.
Brian Thompson was like Amon Goeth in “Schindler’s List” but in a different way. He didn’t ACTIVELY kill those people like Goeth did – but he took their money, then refused to pay for their treatment when they needed it most. He took their money so he could live “the lifestyle of the rich and famous” while REAL people died in agony without treatment they couldn’t afford. While REAL people were bankrupt and forced to live on the street. While REAL people had to make the choice between their drugs and their mortgage.
I was surprised to see the Zillow estimate of my home has dropped over 5% in the last few months and ober 10% since the Summer. Also received a few postcards from somewhat more desperate realtors listing a few houses that sold over ask instead of their typical healthy TTM numbers. The tide is definitely turning. I forgot who said it here decades ago, but RE turns like an aircraft carrier. Slow and methodically. It’s coming Gary.
I’ll give you another sign. When I was in Vegas on Friday, I ran into a mortgage guy who worked for WellsFargo. I asked him how the numbers have been among these sticky higher rates and he said still very strong. But the bulk of the business was people refinancing their credit card debt into their mortgages. He also said that the reason noone is moving is because they simply cannot afford to. We chatted for about an hour as he was sitting with his knowlegable wife who were playing Invasion from Planet Moolah, which I love to watch, but never play due to the high negative expectation. We did see the desired Unicow once, but alas, he escaped the reels without being zapped.
https://www.youtube.com/watch?v=2uP6qaU6np0
The agony and screams of the peasants is what Luigi fought for – at least in his mind. That is the kind of thing that Trump also bottled up in his campaign against Kamala.
Except, he stands for everything against the peasants – against universal care, against medicare cuts, against public health, against public education. Yet, the guys who like Luigi also voted for the guy who would benefit the Thompsons of America.
There are posts from Europeans on reddit asking Americans to explain their sensibilities.. but no clear answer. In my view, it was just rage. Rage without a clear plan.
And just like Luigi, the American people will face a hard time ahead for their choices. It sucks.
Tl;dr
If you admire Luigi and voted for Trump you a moron
Libturd,
You live in the desire-est of desire-est towns possible! Remember, if the price you put on your house doesn’t make you queasy and slightly embarrassed, you priced it too low.
At best, NJ/NY/CT ‘burbs stay a little flat until another upswing. I’ve said it: house ownership isn’t just an asset, it’s a sign of wealth and prestige.
Per the experts, home prices are projected to soar an additional 3.7 percent…
No, that’s not soaring, that’s within the long term trend. As for article above, it says nothing that anyone here hasn’t said or couldn’t say further. More of the same, we’re not entering a new phase.
Lol – NJ State Rep and former Apache Helicopter Pilot… He wants Gov Murphy to ask PA to lone us an Apache Heli because the NJ National Guard does not have one. He says he would make quick work of the drones..
Watch the interview. The State Police called off the chase on a drone although they had one in their sights..
https://x.com/RichMcHugh/status/1866902818579235044
Just eat enough fiber…..aka eat 80% whole foods and 20% of whatever the f u want. Oil only hurts when you eat it too much. Moderation is the key to life.
Hold my beer says:
December 11, 2024 at 10:58 am
Interesting.
https://www.dailymail.co.uk/health/article-14177541/cooking-oils-colon-cancer-young-people-study.html
We use mostly olive and avocado oil. Now have the urge to get some duck fat. An egg or dice potatoes fried in duck fat is pure bliss.
…because the NJ National Guard does not have one.
General Robert E. Lee : General, you must look to your division.
Major General George E. Pickett : General Lee… I have no division.
I think you are dead on with your assessment. Wealth and prestige…only people who will own now are the wealthy.
Saw an article yesterday about avalonbay creating a new asset class for themselves. Building single family homes to rent out. That’s the future for the majority…not ownership.
Fast Eddie says:
December 12, 2024 at 9:20 am
Libturd,
You live in the desire-est of desire-est towns possible! Remember, if the price you put on your house doesn’t make you queasy and slightly embarrassed, you priced it too low.
At best, NJ/NY/CT ‘burbs stay a little flat until another upswing. I’ve said it: house ownership isn’t just an asset, it’s a sign of wealth and prestige.
And that’s the future of the overall economy….rent everything….not own. In 20 years, the only people that will own cars are the wealthy.
What kind of idiots thinks that insurance companies’ business is denying healthcare? It’s pretty obvious that their business is mostly about negotiating and paying for healthcare, and collecting premiums to fund it.
They have to be careful paying it, because ultimately it’s everyone else’s collective premiums that have to pay for the health care. It’s not as if insurers have some pool of free health care to hand out and get rich hoarding it. If on average they pay for 10,000 of healthcare per person, they are going to charge everyone insured about 11,000, with the difference being their administration costs.
Insurance and health care is a heavily regulated business, less free market than it should be for the best product and service.
The people who think insurance companies or government are like Santa Claus that has the ability to bestow unlimited free health care, but are too “greedy” or “cheap” to do so, are infected by Marxist ideas. Insurers are basically the messengers in regards to the problems of the healthcare system.
Here’s a quick essay about some of the things Luigi and his ilk got wrong:
ttps://www.cremieux.xyz/p/grading-the-worlds-shortest-manifesto?s=03
Bottom line. People like to tell themselves little lies to make themselves feel better. Too many jobs and businesses are attached to healthcare to ever lower the cost. No one is going to willingly sign up to take a hit for the benefit of others.
“The people who think insurance companies or government are like Santa Claus that has the ability to bestow unlimited free health care, but are too “greedy” or “cheap” to do so, are infected by Marxist ideas. Insurers are basically the messengers in regards to the problems of the healthcare system.”
Pumps
I Got a jar of rendered duck fat yesterday. Diced up some organic sweet potatoes and pan fried them in duck fat with cinnamon, cayenne pepper and sea salt this morning Then pan fried 2 eggs in duck fat with black truffle sea salt for breakfast. Used 2 vintage cast iron pans. Had 2 mandarin oranges and some macadamia nuts with it.
Ordered a bag of black truffle sea salt yesterday. Me thinks I’m going to be going through a lot of popcorn next year watching 47.
Pumpkin,
Isn’t it already the majority of the people who don’t actually own their cars? I thought most people were either leasing or are making payments on their cars that are officially owned by the financing company until they are paid off.
Same for houses. Though given the property tax we pay, do we ever really own our homes?
I’ve bought all my cars with a check since about 2007. ( I think one time I financed to get a rebate, then paid it off the first month). Haven’t had a mortgage since about 2013.
If anything, I’ve been over-conservative financially. I could have had cheap mortgages and invested those sums in an S&P index fund and been richer. But someday that kind of strategy will start to bite hard, and as someone who avoids downside risks, I steer clear.
What’s the ROI on renting out single family homes? Most of the examples I’ve seen don’t appear to deliver high ROI unless you assume home price appreciation. Especially if you hire someone else to service the house and repairs to make it more like a “passive” investment. From what I’ve heard, the best ROI is at the low end, but that’s also where the most headaches and horror stories come from.
My last jury duty seeing some old couple defending themselves in court from a “slip and fall” renter lawsuit really biased me against becoming a landlord. Even though the landlords won the case, I bet preparing for and being represented in that case cost them a year’s rent at least.
Pumps
We have several build to rent single family homes and townhouse communities in the area. The SFH are pretty small. Like the size of a 2-3 car garage and set very close together. Private equity discovered it’s cheaper to build a bunch of 2-3 bedroom homes then gobble up existing older houses. Just have a few floorplans and almost all of the appliances, hvac, windows, etc are standardized throughout the development making building and repairing much cheaper.
Yea, it doesn’t make sense to me. Maybe they profit from building it and the appreciation they hope that follows. It’s not easy to profit as a landlord….all I know. Takes time and sweat equity…..also luck of not getting an evil tenant.
No One says:
December 12, 2024 at 10:30 am
What’s the ROI on renting out single family homes? Most of the examples I’ve seen don’t appear to deliver high ROI unless you assume home price appreciation. Especially if you hire someone else to service the house and repairs to make it more like a “passive” investment. From what I’ve heard, the best ROI is at the low end, but that’s also where the most headaches and horror stories come from.
My last jury duty seeing some old couple defending themselves in court from a “slip and fall” renter lawsuit really biased me against becoming a landlord. Even though the landlords won the case, I bet preparing for and being represented in that case cost them a year’s rent at least.
You are correct….it is already happening. How many people actually own outright…how many are not in debt? Not many.
Just think this will be amplified in the future sharing economy. I guess it can be a good thing as it can move capital more efficiently through the economy….not having to pay 100% of the time, just when you need to use it. Although, some companies that end up controlling the market will try to take more than they should.
I hope musk is able to create a little more efficiency in the economy….it would be good for all, expcept the corrupt f/ks making a dollar off the inefficiency.
No One says:
December 12, 2024 at 10:24 am
Pumpkin,
Isn’t it already the majority of the people who don’t actually own their cars? I thought most people were either leasing or are making payments on their cars that are officially owned by the financing company until they are paid off.
Same for houses. Though given the property tax we pay, do we ever really own our homes?
No One, you are wrong. The tactics in question by United Health are well known in healthcare, they are bait and switch.
United Health is the health plan offered to non-union employees of Columbia University, New York Presbyterian, Hospital for Special Surgery, Federal Employees picking GEHA Insurance as examples. When you look at the Summary of Benefits and cost they look great, they are very competitive if you don’t need them to actually pay for anything.
But the devil is in the fine print that no one reads. Example is Federal Employee Blue Cross and Blue Shield Standard PPO – only pre-approval/certification needed are for inpatient procedures. While the GEHA PPO United Health plan for NJ requires pre-approval/certification for anything outside of X-Ray.
The use of pre-approval/certification using AI/Software that is adjusted to maximize profits by delaying care at every step is the issue with the For-Profit Health Insurance companies. Remember you are profit center to them, no different than Facebook, Google, etc using your personal data for their profit.
Further more, what makes them evil is that the system as is, is an anomaly created by the ability of purchasing their needs thru campaign donations in the political arena. Just like Turbo Tax, HR Block and others are trying to stop the free IRS federal tax filing program that could make filing the taxes of an average person very easily in an IRS app, because the fckrs make their money in complicating the procedure and system for everyone.
Interesting….makes sense now. I was thinking of actual avg sized single family homes….almost impossible to rent for profit….appreciation is the key to that game.
Hold my beer says:
December 12, 2024 at 10:33 am
Pumps
We have several build to rent single family homes and townhouse communities in the area. The SFH are pretty small. Like the size of a 2-3 car garage and set very close together. Private equity discovered it’s cheaper to build a bunch of 2-3 bedroom homes then gobble up existing older houses. Just have a few floorplans and almost all of the appliances, hvac, windows, etc are standardized throughout the development making building and repairing much cheaper.
Eating like a king. lol
Hold my beer says:
December 12, 2024 at 10:21 am
Pumps
I Got a jar of rendered duck fat yesterday. Diced up some organic sweet potatoes and pan fried them in duck fat with cinnamon, cayenne pepper and sea salt this morning Then pan fried 2 eggs in duck fat with black truffle sea salt for breakfast. Used 2 vintage cast iron pans. Had 2 mandarin oranges and some macadamia nuts with it.
Ordered a bag of black truffle sea salt yesterday. Me thinks I’m going to be going through a lot of popcorn next year watching 47.
Read somewhere 40% of homes are mortgage free. Also a vast majority with sub 4% rates which is lower than ongoing inflation. The problem is real estate tax though. It is a burden and it means state owns your home with you.
No one,
Where it gets murky is when Insurance companies use algorithms to deny legitimate claims.
https://qz.com/unitedhealthcare-humana-ai-lawsuits-1851715765
And,
When Insurance sets the price for how many seconds of anesthesia you can receive against your doctor’s own recommendation, then something is wrong.
I am assuming you already know that there are two prices – one for insurance billing and the other is the real cost (self pay) which is technically fraud
You want to lower healthcare….tell people to start taking care of themselves. Easiest way to lower healthcare costs….stop hurting yourself with obesity. These people suck us dry…we all pay for 450lb sally’s bad choices. F them. Direct your anger at the source.
AmericanHealthCaresPrroblemIs ArtificialSystemicComplicationOnPurposeForProfit says:
December 12, 2024 at 10:46 am
No One, you are wrong. The tactics in question by United Health are well known in healthcare, they are bait and switch.
I know that some insurers are better than others to deal with, some gate more, some less. Part of the problem is that health care providers are recommending their own services, and in the Luigi mindset, insurers should just go along with everything they suggest.
That’s why everyone hated HMOs decades ago, big bureaucracy to get anything done, a gate on everything. But the premiums were lower too.
Lots of smaller businesses change their insurers a lot. My company has had 3 insurers in the last 3 years, because every year, the existing insurer has hiked a lot. Apparently some “heavy users” in my company. Everyone’s premiums are going up. Eventually a company like mine probably brings in the “hatchet man” which perhaps United Healthcare is doing that kind of job, to use programming and more gates to try to beat down the costs somehow. Or more direct user participation in the costs.
I should get a new popcorn maker before the tariffs hit. 60% of our imported oil and 85% of imported electricity comes from Canada.
https://www.dailymail.co.uk/news/article-14184691/Canada-threatens-cut-energy-Donald-Trump-tariffs.html
BTW, NJ made it illegal for insurance companies to charge different prices relative to weight, at least in Obamacare policies. Also illegal for them to differentiate pricing smokers/nonsmokers in NJ.
It’s also illegal to charge more for a woman getting impregnated by her first cousin or brother in NJ. Though NJ is one of the few states where that sex in question is legal among adults, despite the odds of birth defects skyrocketing within that group. Other premium payers pay for that policy. (It’s apparently already a source of rising healthcare costs in the UK, thanks to a certain growing ethnic group that favors first-cousin marriage).
So it’s hard for insurance companies to deliver monetary incentives for good health when those incentives are forbidden.
The real solution, which can be controversial, is to outsource healthcare abroad. Which is – for anything elective, send patients abroad – IVF, Hair transpants, cardiac, etc. AND have insurance pay for it ( they don’t currently without a lot of ifs and buts).
This is what a majority of Canadians and Europeans do – on their own dime though.
I heard Russia has a state sponsored program to send people abroad for care.
There are clusters in South America and Asia just for medical touristsz
Of course the real solution is controversial…..
Go to Select Specialty Hospital in Rochelle Park, Complete Care Harborage in North Bergen, and many of these for profit long term care facilities that have long term ventilator units.
You are going to find a cornucopia of boomer geezers on ventilators that if not brain dead/dementia and are some conscious wants someone to pull the plug on their miserable life. Just mentally put a digital display above their bed with a cost per hour to Medicare/Medicaid and profit per hour to the private equity owned for profit facility.
No other country spends so much on end of life zombies.
we all pay for 450lb sally’s bad choices…
A.k.a sandpaper Sally but let’s not go into it here.
RentLord,
That’s because US doctors get paid more than doctors abroad. And don’t forget the liability lawsuits (and the insurance the doctors pay because of it).
Mexico would be the most cost/time efficient country to outsource cheap HC to. Hollywood lefties love to talk about how wonderful Cuba’s HC is, but I hardly ever hear of them getting their facelifts done there, lol.
Elon Musk is tweeting the best way to improve health in the US is to massively increase GLP-1 treatment at lower cost. I wonder what JFK JR thinks? I wonder if JFK JR’s wife is on Ozempic.
>> NJ made it illegal for insurance companies to charge different prices relative to weight, at least in Obamacare policies.
Correct me if I am wrong, but prices are to not discriminate by weight etc, but there is still discrimination on price BETWEEN insurance companies, plans, and self pay.
Few know insurance companies as well as I do. My company is self-insured but using BCBS of Minnesota to administrate healthcare.
Yes, their goal is to make it as difficult as is possible to obtain healthcare. Can you learn to get around their tricks and tactics? Absolutely. I was actually surprised to learn that there are actually people whose profession it is to work as the liason between customers and their healthcare providers. Much like an accountant who does taxes for you. We first learned of these people when the D got sick and Chabad offered up those services for free. Again, we learned of another professional who worked for D’s ABA center since so many of their kids were obtaining ABA services through their own insurers.
Accessing healthcare is truly an art form. The insurers have designed the system to max out profitability or keep their prices as low as possible. I suppose it’s a combination of both. I could easily share one hundred examples of services the D was initially denied, but eventually obtained. We are currently working on two. The first involves his neuropsych exams from February. Though CHOP obtained all preapprovals as well as units allowed, I just received an XOB for $6,000 as they claimed D was not eligible, even though he was preapproved. We checked CHOP’s billing site and it still says zero owed, so we will first let CHOP try to work it out before we go on the attack. The second example is that they removed the D’s daily growth hormone shot from the formulary recently and they moved us to an alternative HGH. This new one is administered differently and due to the waste in administering it, it’s probably more expensive than the original HGH he was on. Though we proved this to them, it made no difference. So D’s doc wrote an extremely detailed letter explaining why the original hormone was better and how this one was causing uneccessary anxiety and pain for the D, a kid that has already experienced way more trauma than anyone should have to endure and it was rejected again. This time, they said he had to have a negative experience with two different drugs in the same class of the formulary before they would be willing to consider paying up for easier to administer drug. There probably isn’t another replacement in the formulary, so an appeal will most likely be necessary, to which we will most likely lose since they will come up with another excuse. Eventually, we will find the loophole and we will both save them money and help our D. This is how it works. This also explains how so many people could have sympathy for the CEO shooter, of which I do not.
We spend hundreds of hours a year figuring our way around a system intentionally designed to make it difficult to obtain the best care. Last year, they revamped their website and made it infinitely more difficult to obtain your XOB data online. Where one used to be able to export a Excel data file containing everything so you could filter the information. Now you can only download PDFs, one at a time. And the PDFs are image based, so you must OCR each one if you want to math on them. I recieve well over 300 hundred XOB a year for the D and all have three to about twelve separate lines of services. They even mix providers on the same form. Anything to make it difficult to obtain services. Nothing, to make it easier.
Go through one catastrophic medical issue and you too can learn to become a health care insurance reimbursement expert. Learn such terminology as balance billing, third-party billing, max-out-of-pocket and the secret to medical coding that had become so confusing that career opportunities are now available to those who have a degree in this area.
But whether or not they are about profiting more than servicing? That’s political. Of course they are going to make it difficult to obtain service. Hey. Some people use coupons when they go to Burger King and get a whole meal for $4. Most pay $10 or more. Other people wait on a twenty minute line at Starbucks for an overroasted and overpriced coffee drink. Gator orders in the app and cuts the line, though the coffee is still overpriced and sucks.
Maybe that will increase the the birth rate in America
Elon Musk is tweeting the best way to improve health in the US is to massively increase GLP-1 treatment at lower cost.
No One, you are reading too much Infowar NewsMax garbage. Most physicians now are W-2 employees of the megahealth corps they work for, gone are the tax deductions and profit sharing of a professional corporation.
The reasons is you got too many GS Parkway like tolls by for profit entities taking a cut along the way. Some are necessary to keep technology moving forward. Just like you have pharma reps promoting their new medications in doctors office. You got surgical reps promoting new tools and procedure with surgeons.
If you are in a back surgery OR case apart from the usual medical cast that includes Phoenix, you will find the rep from Stryker or J&J or other hardware company that will guide the surgeon on their proprietary gear that might have hundreds of pieces and needs to be assemble like a Ikea furniture. That surgical rep makes money on commission, so yeah is he likely to bribe in one way or another the surgeon?. That hospital will get charged for that piece of equipment with discount based on demand. So yeah a NYU like hospital will get it cheaper than a Holy Name because NYU might do 20x in a week and a Holy Name 20x in a year and actually that is why you would want to have the procedure done at the NYU one, because in medicine, the more you do the better you are at it.
But taking the financial risk in designing that gear is what a J&J, Stryker,etc will do and make the American health system best in new tech development and it is what you are not going to see when you go to the 2nd and 3rd world of even many 1st world countries.
BTW, NJ made it illegal for insurance companies to charge different prices relative to weight, at least in Obamacare policies.
The problem I see with charging different prices relative to risk factors is where do you draw the line?
Charge motorcycle riders more? How about skiers (ACL surgery is expensive).
How about mountain bikers?
https://www.youtube.com/watch?v=U6SCsm8n8ng
Or maybe we should let ins co’s do genetic testing, and charge accordingly?
I suspect the Infowars/Newsmax populists are more likely to blame big business than side with these companies these days. Don’t know, I don’t follow them much.
Physicians make about $230k median $350k average incomes in the US, the highest in the world. I’m not necessarily against that, because the US has among the highest per capita income in the world, and health care is a superior good that wealthier people tend to spend more on. I do think licensing and regulation limits supply and lifts physician incomes though. Like a closed shop union. It probably keeps out some incompetents and scammers as well, though they have their ways around it.
Outsourcing HC to Mexico or Costa Rica is like “union busting” to that group.
I had shoulder pain/stiffness that my official orthopedics guy did an x-ray on, spent about 30 seconds giving me a prescription for physical therapy which would have gone through my insurer. I never started that physical therapy.
Instead my wife took me to an outlaw therapist working from his home. A former surgeon in China, who doesn’t speak much English and couldn’t get his license in the US. Stories in the Chinese community that a woman who was told she would never walk again was helped to walk through this guy’s therapy in a year. Anyway, he treated me twice, $100/hr. Did some deep tissue manipulations, told me what spots around the shoulder to massage and a couple exercises to do. The second time popped some acupuncture needles in there briefly (illegal bc he has no license). First thereapy, shoulder was about 45% improved, after that second therapy with the needles, about 90% fixed. This was after 5 months of my shoulder getting progressively worse. He said my US doctor slightly misdiagnosed my problem as “frozen shoulder” instead of actual bursitis. So between his $200 for 2 visits and a $100 sharper image massage gun jackhammering away at the spots on my shoulder he mentioned, my shoulder dramatically improved in about 3 weeks and I never used the physical therapy prescription. A colleague who had the same diagnosis went to a physical therapist a lot using the official insurance route, who said it didn’t go away during the therapy, was kind of worthless, instead went away by itself after almost a year.
I think they should charge by weight, a sliding scale depending on BMI. If you’re really a gross tub of shit, then maybe sent to a camp and forced to walk up hills every day until you look semi-normal.
“It’s hard to bring things down once they’re up,” Trump told Time in an hourlong interview for its “Person of the Year” feature. “You know, it’s very hard.”
Trump is right that it’s very hard to achieve across-the-board price reductions. Curbing inflation is only a matter of slowing the rate of price increases — actual economy-wide price drops typically don’t happen outside of a massive economic downturn.
Nevertheless, Trump repeatedly told voters during the campaign that electing him president would cause prices to tumble.
“Prices will come down,” Trump said during a rally in August. “You just watch: They’ll come down, and they’ll come down fast, not only with insurance, with everything
I’m waiting for the shoe to drop on GLP-1 drugs.
All kinds of people who don’t need it are getting it. Only a matter of time that someone discovers a new reason why people are having xyz problem.
I heard an ad on the radio yesterday on a drug to improve muscle mass for people specifically on Ozempic, so there’s that.
Is there a pill that can simulate… oh never mind. ;)
I saw an article yesterday that those weight loss drugs might interfere with the effectiveness of chemotherapy.
Here it is
https://www.dailymail.co.uk/health/article-14182453/Warning-experts-discover-weight-loss-jabs-like-Ozempic-render-breast-cancer-chemo-ineffective.html
If you are on Ozempic and need chemo, then what you really need is mental care
I thought chemo was the ultimate weight loss regimen
I don’t admire Luigi and I did not vote for Trump. What am I ?
RentL0rd says:
December 12, 2024 at 9:14 am
Tl;dr
If you admire Luigi and voted for Trump you a moron
Could weight-loss drugs treat other chronic diseases?
Initial research has focused on obesity, but Ozempic, Wegovy and Mounjaro may potentially be used for addiction, heart disease and Alzheimer’s
https://www.ft.com/content/0d947b51-b46d-4482-a6fe-6c1ccf9388e0
Cure for porn, crack and gambling addiction?
My Ozempic hasn’t slowed my addictions down. What time is the Japanese news on?
Libturd,
This guy needs it to treat his addiction to collecting headphone equipment and anime figurines. Chubby hands too.
Peak incel audiophile nerd lair?
https://www.youtube.com/watch?v=s2B_MV3W6hA
The dude is the smartest human being alive. It’s not even close. They should listen.
This healthcare costs debate going on are a joke because they refuse to acknowledge the actual issue…obesity. It’s no different than attacking education and teachers for kids in the 9th grade reading at the 2nd grade level. What can I do if you give me broken students? I feel helpless, but blame the teacher.
Phoenix says:
December 12, 2024 at 11:42 am
Maybe that will increase the the birth rate in America
Elon Musk is tweeting the best way to improve health in the US is to massively increase GLP-1 treatment at lower cost
Political suicide to force parents to actually take care of their kids. Instead they make the school the parent and then bitch about the results. That’s your kid sitting in my class reading at the second grade level. Pretty criminal.
Evidence of how smart Elon is…
Watch this video.
https://x.com/elonmusk/status/1866366196146442586?s=46
No One
That guy is a lot smaller than the herds of obese white millennials who waddle around the Asian plazas on the weekends in my area. They’re either dressed in cosplay of an anime character or wearing t shirts or jackets of anime characters. Never saw them before in those plazas until a few years ago.
Some of them are yuge . Wider than a shopping cart.
>> I don’t admire Luigi and I did not vote for Trump. What am I ?
Libertarian? I dunno. You are in your own class chi
Lib,
she was on NPR the other day talking about prior auth denials.
https://www.npr.org/2024/12/11/nx-s1-5223483/examining-the-factors-that-play-into-the-high-rate-of-insurance-denials
Thanks. That’s exactly it! I know a lot of you probably think I’m full of shit half of the time. Trust me, I’m as honest as the day is long.
Good morning deplorables, garbage people, masons, carpenters and truck drivers, it’s another beautiful day on tap in The People’s Republic of the Great State of New Jersey! For the s0cial justice warrior, saferoom, blue pill consumers, I hope your day day is enjoyable, too.
Phoenix- one for you….
I gather the new younger wife and baby sent the ex-wife over the edge.
https://nypost.com/2024/12/13/us-news/california-doctor-hamid-mishojae-ex-wife-ahang-mirshojae-kelk-arrested-in-ambush-style-murder/
Socialist Jim doesn’t have to worry about private insurance because he communist universal government healthcare for 65 and older.
Communist Government Universal Healthcare is the largest taxpayer funded expense of the US government.
No death panels, heart, brain and penis surgeries galore for 90 yr old crowd.
AmericanHealthCaresPrroblemIs ArtificialSystemicComplicationOnPurposeForProfit says:
December 12, 2024 at 10:46 am
No One, you are wrong. The tactics in question by United Health are well known in healthcare, they are bait and
All Maga in here keep their mouths shut about the explosive massive cost of socialist universal government healthcare for the 65 and older
This is right out of A Christmas Story.
https://www.news.com.au/national/nsw-act/news/man-finds-himself-in-sticky-situation-at-sydneys-pitt-st-mall/news-story/c08fb9151783592e6ba3e55c49458c5a
Only 3 in 10 Americans are confident Trump will solve anything but about 6 out of 10 voted for him anyway.
https://apnews.com/article/trump-cabinet-administration-biden-poll-be16ac992769e9c4636854eee7999dfb
On a scale of 1 to 10, what is moron level of Amerikans? Jim is at 10.
You trust politicians to solve your problems? HAHAHAHA.
I prefer when they don’t care new ones like opening our country to the third world, terrorists and cartels.
Dodge ain’t gonna be touching Trumps largest expense: universal healthcare for the 65 and older. Next 4 years of Government corruption galore
Many on the left now condone homicide to advance “equity”. Eventually that’s where woke has to go. A bunch of wild eyed radicals screaming incoherently. Using violence to push their agenda under the banner of righteousness.
Time Person of the Year… nice. I said the other day that Trump has done more in the last five weeks than the previous administration has done in four years. Aside from the greatest political comeback in history, there’s an air of change that will elevate this country to new heights. It’s a very a Reaganesque vibe.
Mayors in dem cities are secretly contacting Trump to help clean up the mess created by violent illegals and the painful cost of human life along with the financial burdens. They didn’t want to come forward but Eric Adams has thrown down the gauntlet.
It’s a new era of global and domestic strength, an era of new technologies, work/life balance and ideas becoming reality. It’s a great time to witness it and be a part of it… such a stark contrast of a decayed and diseased left with no ideas and archaic messages. Clear the road, we’re coming through!
We have to be vigilant Eddie. The left burned cities from coast to coast back in 2020 under the banner of equity. Now they condone homicide. How far will they be willing to go is anyone guess.
“Using violence to push their agenda under the banner of righteousness.”
Checks Jan 6 footage.
“burned cities from coast to coast back in 2020 under the banner of equity.”
https://www.bbc.com/news/world-us-canada-53579099
The legacy of this past administration will look like the aftermath of a burned out warehouse. Obamy was right, never underestimate old joe’s ability to fuck things up. He picked a VP as a token, exposed Obammy for the empty gesture that he is and left a mess on the domestic and foreign front akin to an overflowing public toilet. His only achievement, ironically, is the destruction of the farce that became the democrat party and all the grubs attached to it.
Ten 435
Many on the left now condone homicide to advance “equity”.
Twitter/X is not the real world!
All of a sudden, Luigi is a leftie and the Trumpturds are denouncing him. Denouncing the guy who said the same thing Mr. Orange said to get elected (but will do the opposite).
Talk about suck up and kick down!
the aftermath of a burned out warehouse
Portland and Minneapolis were burning under Trump.
>> I prefer when they don’t care new ones like opening our country to the third world, terrorists and cartels.
You are sucking their money and effort for your free healthcare and blame them. GTFOH and go change your grandkids diapers. Be useful somewhere.
First, I want some of what Gary is smoking. Second, Trump hasn’t done anything yet except make a lot of questionable appointments, admit that inflation isn’t so easy to control and appears to be following the Project 2025 playbook that he claimed he had nothing to do with and that he was distancing his from.
Market valuations are stretched to the tippy top. Yet the company I am working for as well as those of many of my peers are discussing large cutbacks. Yet somehow, the Jim’s and the Gary’s see the current world on the precipice of greatness.
I’ll wait until January 20th. Then we can start measuring that greatness. In the interim, you might want to consider that current euphoria the result of a lame duck Joe Biden.
Don’t worry. Trump has four years to show you how clueless he is and how so many of you voted for policies that will hurt YOU way more than it will hurt HIM. For now the Alpha male is excited. He gets the most food and first pick of his bitches. But eventually the rest might gang together realizing what a terrible deal they just opted into.
Yeah, I give Trump 6 months and we are in recession.
Place your bets.
Lib,
I am the one who said real estate changes slowly. I owe you $10. Thought we would meet. Found your address online. Going to mail you a check.
Old, asbsolutely not necessary, but if you don’t wanna appear as a welcher, then I get it. Isn’t there supposed to be a GTG one of these days?
RFK looking into legally eliminating the POLIO vaccine.
America, watch what happens when you let an idiot con-man back into the Presidency!!
Are you NOT entertained!!!?!
Ex: Here you go
https://m.youtube.com/watch?v=mgcG_fPqnVg
the 2024 election and who tells your story
Head of investment at JP Morgan
What I find notable as an investments person about the 2024 election outcome is how the Biden and Harris teams were not able to convert the following into more substantial gains at the polls:
• Close to an all-time high in the labor force participation rate, a proxy for a very strong labor market
• A surge in reshoring activity of US manufacturing jobs after reshoring progress declined under Trump
• An industrial policy that overwhelmingly benefits GOP districts: ~75% of energy bill spending is going to GOP districts, many of which are located in swing states
• The largest surge in manufacturing-related construction spending on record, which appears directly tied to passage and implementation of the Chips bill; key locations include Arizona, Ohio and New Mexico
• Highest YTD equity gains in an election year since 1936, contributing to the highest solvency measures in over two decades for US corporate defined benefit plans
• On Trump’s proposed tariffs: of ten states with the highest shares of imports to state GDP, 8 are GOP states
• The inflation surge was painful but has subsided; wages are rising faster than rising rents; and the Fed was able to raise policy rates to stem inflation without triggering a recession for the first time in 60 years
Trump’s gonna destroy the best economy ever
Don’t forget where the antivax movement came from. RFK is a liberal and the anti-vaccination movement originated and found its strongest support in the political left. Now the wackos on the right have joined them when four years ago when the government started mandating Covid-19 vaccines.
The facts are above. Bidenomics created best economy
EX,
Check RFKs brokerage account and see if he upped or opened any positions in prosthetic manufacturers.
This is Gary, Small and Jim’s view of American exceptionalism.
https://tinyurl.com/Thanksagainjoe
How was Biden supposed to promote his accolades if he was hardly intelligible?
He was a pretty succesful president. Evidenced by all of the immigration. Good luck Donald. I’m sure your team of loonies and misfits are going to do a hell of a job. Worst of all, you will find out soon enough that most of them are going to be just as corrupt as those Dems they replaced were.
Gretsch are incredibly cool! I have one.
Nice Studio M Gore has !
Trump doing the important work: scrapping crash reporting data for Tesla.
Pfffft. I guess .
JP Morgan blames cabinet and in particular Yellen. That was her job and she awful at communicating.
Morgan goes to say cabinet was so bad at communication that Dept of Transportation was doing all the talking.
Hak Tua, Chief grabs ’em by the pussy says:
December 13, 2024 at 11:11 am
How was Biden supposed to promote his accolades if he was hardly intelligible?
He was a pretty succesful president. Evidenced by all of the immigration. Good luck Donald. I’m sure your team of loonies and misfits are going to do a hell of a job. Worst of all, you will find out soon enough that most of them are going to be just as corrupt as those Dems they replaced were.
This analyst is completely out of touch with the broad populace. Cumulaive inflation is a painful as it is pervasive. An absolute visceral blow and a motivation for anger and A search for accountability. Meaningless talking point for immunized affluent.
Very Stable Genius says:
December 13, 2024 at 10:59 am
the 2024 election and who tells your story
Head of investment at JP Morgan
• The inflation surge was painful but has subsided; wages are rising faster than rising rents; and the Fed was able to raise policy rates to stem inflation without triggering a recession for the first time in 60 years
Very Stable Genius says:
December 13, 2024 at 11:03 am
The facts are above. Bidenomics created best economy.
Except almost no one under 4o can afford a house without their parents paying for half of it.
Owning vs renting is stability. Having children is stability.
Biden, like Trump, hasn’t helped the middle class one bit. Put them deeper in debty with increased war spending.
16 tons, whadda you get, another day older and deeper in debt.
hmb,
saw your post. guy had a hottie new wife. Plus a new kid.
A guy with money can always get a young hottie. Women are attracted to money like moths to light.
My vote for post of the day. Well, it’s still noon, but this is a home run.
Chicago says:
December 13, 2024 at 12:06 pm
This analyst is completely out of touch with the broad populace. Cumulaive inflation is a painful as it is pervasive. An absolute visceral blow and a motivation for anger and A search for accountability. Meaningless talking point for immunized affluent.
Phoenix
I think that was Juice. I posted about an Aussie licking an ice sculpture and getting his tongue stuck to it.
Looks like someone realized “who will be first against the wall when the revolution comes!”
Tim Miller @Timodc ·
Peter Thiel is very comfortable talking about the end of the liberal order when the alternative is Technofeudalism run by his friends.
But the end of that order seems less appealing when the masses are drinking his blood rather than the other way around.
https://x.com/Timodc/status/1867560483449909368
I believe Very Stable said he pays 4k for his suits.
HMB, yeah, probably Juice. This one is for both of you.
A learning experience. His statement at the end is very telling of the future.
Just watch what this can do.
https://youtu.be/IrocytwdeEY?t=2814
Chi,
What a pile of sesquipedalian garbage. The short answer is that it was a global issue, and we did better than most countries in handling it. The Dems issue was messaging and not getting that message out effectively. The GOP did a great job through Fox, X, and most of the mainstream media keeping it focused on local pain.
1:19 That and an elderly POTUS who sundowned on National TV. 50 million people saw a feeble old man who could barely string a sentence together.
Trump Advisers Seek Bank Regulator Cutbacks, Echoing Project 2025
https://www.barrons.com/articles/trump-fdic-bank-regulations-project-2025-c433fe03
The Journal, citing people familiar with the matter, reported that advisers to Trump and officials from his new Department of Government Efficiency have “asked whether he could abolish the Federal Deposit Insurance Corp.,” or the FDIC, in recent interviews with potential nominees to run bank regulators.
Nice! Drain that swaaaaamp
Every rich leach gave something to Trump’s campaign and they want their share back.
Except the morons who gave their vote.
https://www.opensecrets.org/2024-presidential-race/donald-trump/contributors?id=N00023864
No movie maker could make this sh1t up as well as it happened.
It’s going to be a terrible four years….or two if the midterms deliver majority to the other side.
ChiFi, JP Morgan is out of touch?
Head of investment at JP Morgan
What I find notable as an investments person about the 2024 election outcome is how the Biden and Harris teams were not able to convert the following into more substantial gains at the polls:
• Close to an all-time high in the labor force participation rate, a proxy for a very strong labor market
• A surge in reshoring activity of US manufacturing jobs after reshoring progress declined under Trump
• An industrial policy that overwhelmingly benefits GOP districts: ~75% of energy bill spending is going to GOP districts, many of which are located in swing states
• The largest surge in manufacturing-related construction spending on record, which appears directly tied to passage and implementation of the Chips bill; key locations include Arizona, Ohio and New Mexico
• Highest YTD equity gains in an election year since 1936, contributing to the highest solvency measures in over two decades for US corporate defined benefit plans
• On Trump’s proposed tariffs: of ten states with the highest shares of imports to state GDP, 8 are GOP states
• The inflation surge was painful but has subsided; wages are rising faster than rising rents; and the Fed was able to raise policy rates to stem inflation without triggering a recession for the first time in 60 years
401k up 20% annually past 3 years
3b says:
December 13, 2024 at 12:48 pm
I believe Very Stable said he pays 4k for his suits.
Chifi you are too radicalized to be a money manager.
Guggenheim analyst Steven Forbes raised the price target on Restoration Hardware (NYSE: RH) to $550.00 (from $425.00) while maintaining a Buy rating.
KEY TAKEAWAYS
RH shares are jumping in premarket trading Friday after the luxury home furnishings retailer boosted its full-year outlook and swung to a profit in the third quarter.
CEO Gary Friedman said gains came despite a weak housing market.
RH lifted its sales growth forecast at both the low and high ends of its range.
RH (RH) shares jumped premarket after the luxury home furnishings retailer boosted its full-year outlook and swung to a profit in the third quarter.
5:18 chiFi has run with a brilliant intellectual crowd for a long time.
His views probably have no effect on his prof. Dealings.
Peaky Fucker Blinders
Proof that even the most connected still lose. Anyone that tells you they never lose at investing is full of chit. The trick is: treat each loss as a lesson and you never really lose. You just paid for a lesson. Aka never make the same mistake twice. Do this and you will eventually kill it in investing. I know it’s hard to comprehend, but the more early losses you take, the better you will be as an investor in older age. I can’t even put into words what I have learned about the markets and charts at this point….what i take as common sense about markets at this point in my mind, the avg human being can’t even wrap their head around. All learned through pain. You must suffer to grow.
Ken Griffin just took a 44% hit on the sale of two units that were supposed to be part of a massive spread atop Chicago’s No. 9 Walton tower. The billionaire hedge funder paid more than $34 million for the top two floors in 2017, but walked away with just $19 million.
But Griffin isn’t the only one feeling the burn.
Wealthy homeowners across the Windy City are selling their luxury properties for a loss. Chicago’s luxury real-estate market has seen a precipitous drop in recent years. In the third quarter, there were 28 Chicago home sales of $4 million or more, plummeting 28% from 39 in the same period of 2021, according to data from BrokerMetrics. Luxury condos in Chicago’s downtown and Gold Coast neighborhoods have been particularly hard-hit, local real-estate agents told Mansion reporter Katherine Clarke.
What gives? Some point to the spike in violent crime in Chicago following the killing of George Floyd in May 2020. While other major cities like New York and San Francisco have bounced back, Chicago’s overall crime rate has remained high.
“The high-end downtown luxury market has definitely taken a big hit,” said Nancy Tassone of Jameson Sotheby’s International Realty, who worked on the Griffin purchase and sale. “Once [the social unrest] happened, we couldn’t recover from it.”
The spike in crime—along with higher interest rates—has hurt the market downtown. More on that right here.
AI: 1, Human: 0
https://www.themirror.com/news/us-news/breaking-open-ai-whistleblower-suchir-858673
For example, past week, there was a liquidation event in crypto. As a trader, I f’ing feasted on that. I don’t use leverage, i use spot. I simply exited my position….made sure to hit limit price instead of market, and filled my bid on the liquidation sweep. Easy money, but not really. How did i learn all that? Through pain. I had to learn how hard it is to fill a large market order on a liquidation sweep. You have to use a limit order or you will never get a market price in because it’s moving too fast. Every time you go to execute, you will miss. The major liquidation happened within an hour….i bought 15k in equity on a sweep in an hour.
The real skill in that….knowing to buy the f’ing dip when the price is crashing. There will come a time in the cycle when the price not come back. Experience teaches you this.
I think only 1% of crypto traders profit over 15k….i am one of them, by a lot.
This guy gets it. And remember, any investment can be wiped out (bonds anyone? How safe were they, huh?)There is no safe investment. Which is why the tax rate on investments is insane. It’s hard enough to make money, but then when you win, you have to share a large percentage? What risk in the game does the govt have to justify such a large share of investment gains?
“Crypto trading can unlock incredible rewards, but it’s no secret that it’s also filled with traps—especially for beginners. Statistics show that nearly 90% of traders lose money due to common, avoidable mistakes. With the right approach, however, you can be part of the successful 10%! By steering clear of these pitfalls and using Binance’s robust toolkit, you can enhance your trading journey.”
What are his annual returns post fees?
My 401k returns are over 20% p.a. with 0.02 fee. Can he beat that?
He doesn’t even understand inflation. Blames illegals for high price of soda. Illegals labor reduces costs in food, housing construction, retail etc
EX says:
December 13, 2024 at 8:09 pm
5:18 chiFi has run with a brilliant intellectual crowd for a long time.
His views probably have no effect on his prof. Dealings.
I’d wager there is a good chance he was murdered. It ain’t like the PoPo hasn’t covered up crimes in the past.
RentL0rd says:
December 13, 2024 at 11:37 pm
AI: 1, Human: 0
https://www.themirror.com/news/us-news/breaking-open-ai-whistleblower-suchir-858673
Some healthcare Nancy Pelosi got from the military medi-vac to Germany to a US military hospital and given a hip replacement. No waiting in line for EU socialist health care.
Landstuhl Regional Medical Center in Germany
Universal Healthcare for the 65 and older is unlimited and tax payer funded.
The largest socialist program in the world.
Juice Box says:
December 14, 2024 at 4:31 pm
Some healthcare Nancy Pelosi got from the military medi-vac to Germany to a US military hospital and given a hip replacement. No waiting in line for EU socialist health care.
Landstuhl Regional Medical Center in Germany
Whistleblowers have been committing suicide a lot these past few years
BRT,
I think is Giuseppe doing those “suicides”. He’s Luigi’s corporate sold out evil ginger but more competent twin brother.
Sad kitty alert: https://www.petfinder.com/cat/pumpkin-74199563/nj/montclair/montclair-township-animal-shelter-nj589/
Juice: Glad Pelosi is on the mend. But, at 84 years old it’s time for her to retire and go away.
Luigi is going to be found not guilty or get a mistrial from a hung jury
https://www.dailymail.co.uk/news/article-14187439/united-healthcare-rejected-insurance-claim.html
3b
Who’s going to get a bigger copay? Me with my high schooler needing 3 orthopedist visits, a brace, and an MRI, or an 84 year old worth a few hundred million getting a hip replacement at overseas military base.
Hope these MF’rs get Zilch:
The employee who called in Luigi Mangione‘s appearance at a Pennsylvania McDonald’s might face an uphill battle when it comes to getting the $60,000 reward promised.
There are some stringent stipulations surrounding reward money, meaning those involved in the accused killer’s arrest might have some hoops to jump through.
FBI rules stipulate that tipsters’ calls must lead to an “arrest and conviction.” That requires extradition to New York, a trial and a conviction — putting a major delay on any payouts.
In larger cases, tipsters cannot nominate themselves for the FBI reward, meaning the worker might have to be nominated by an investigating agency to get the hefty check, according to the agency’s “Rewards for Justice” page.
Then, an interagency committee reviews the nomination and passes it along to the secretary of state, who makes the final call.
Snitches get stitches.
Well, not always. But I really hope they don’t get one thin dime. Or, if so, get diagnosed with cancer the day they get the check.
And here taxpayers, this bill is for you. After you pay Nancy Pelosi’s healthcare for that saggy faced troll:
Exonerated woman awarded $34M after jury finds Las Vegas police fabricated evidence in 2001 killing.
And since Sunday isn’t too far for you church goin’ fellas, please donate, money is getting tight, be sure to pass the basket at least 6 times each week. Hey and none of those ones and fives, y’all better pony up some fifties and hundreds or your secrets you spilled in the confession booth will be reported to the authorites you heathens. Hehe:
The Archdiocese of Los Angeles is making history this month with a new $880 million settlement to 1,353 survivors of clergy sexual abuse, bringing its total payouts to an unprecedented $1.5 billion.
My mom thinks I’m a catch.