From AEI:
Buying a House Has Become Less Affordable. A 50-Year Mortgage Is Not the Answer.
Buying a home increasingly feels out of reach for middle-income households—and for good reason. On a national level, house prices are up over 50 percentsince late 2019. Over the same period, 30-year mortgage rates have risen from 3.74 percent to 6.23 percent. Property taxes and hazard insurance have also risen sharply in the last few years. According to the Federal Reserve Bank of Atlanta’s Home Ownership Affordability Monitor, the median total monthly payment required to purchase the median-priced house is up a whopping 90 percent in the last six years. In comparison, median household income is up 29 percent over the same period.
Unfortunately, longer loans would help a little but hurt a lot. Most of the potential for 50-year loans to improve the affordability of monthly payments would be offset by higher mortgage rates. And because equity builds much slower with a half-century-long mortgage, buying a house with such a long loan would rob the homebuyer of the very wealth they are seeking to build. Overall, costs would far exceed even potential benefits.
In theory, a 50-year mortgage could make housing more affordable through lower monthly principal and interest payments compared to a 30-year mortgage. In practice, it won’t. Why? Government guarantors, private insurers and investors in mortgage-backed securities collectively set mortgage rates. Because this trio would carry more interest rate risk, prepayment risk and credit risk with a 50-year home loan than with a 30-year loan, they would charge more for the half-century mortgage.
Because of the same elevated risk, this trio currently charges higher rates for 30-year mortgages than for 15-year mortgages. There likely would be a similar difference in rates between 50-year and 30-year mortgages, and higher rates for half-century mortgages would offset most of the benefit of the longer term on the monthly payment. Under this scenario of similar rate differences, a person who buys a median-priced house today (about $410,000) with a five percent down payment and 50-year mortgage at 6.95 percent would save about $65 a month compared to a 30-year loan at 6.23 percent.
A 50-year mortgage doesn’t improve affordability if house prices increase as a consequence. In a supply-constrained market, a 50-year mortgage may simply increase purchasing power, which will quickly be capitalized into higher home prices. House prices need to rise just three percent due to the availability of the longer loan to offset that $65 in monthly savings. In this case, the primary result would be higher prices, thus benefiting sellers rather than improving access to homeownership.
And even if a borrower manages to capture some short-term savings, the homebuyer pays a steep price in lost equity. If a homebuyer stays in their mortgage for seven years, they would accumulate $5,400 in monthly savings from the lower monthly payment of a 50-year loan. However, because borrowers repay principal much more slowly in the longer loan, they would earn $31,000 less in equity over the same period compared to the 30-year loan. On a cash basis, they are out $25,600. Where did the money go? To pay that additional amount in interest.
This equity drain gets worse the longer the homeowner remains in the half-century mortgage. By year 15, the homeowner would have accumulated $12,000 in savings from the lower monthly payment but lost $87,000 in equity. For perspective, a borrower with a 30-year loan would own their home free and clear after making all the required payments over the loan term, but – after those three decades—a 50-year mortgage holder still would owe over $300,000 in principal, which is 75 percent of the original loan balance. The extra interest paid over the 30-year period is an astronomical $279,000. The households that can least afford to give up equity and pay more in interest are lower-income, minority, and first-time homebuyers.
3(2x + 4) =18
House price increase plus higher interest rates over a longer term equals nothing. The 50-year mortgage is a slight of hand. Price wins again and always will.
“NYC’s new socialist mayor plowed 6,000 miles of city roads successfully—every single road—because government plowing snow is pure socialism in action.“
y’all ever flown on a private plane to Paris?
Guess those personal injury lawyers make almost as much as a congressman
Top lawyer, event planner and pilot identified as three of six killed in private jet crash while taking ‘girls’ trip’ to Paris
Grabbed by her p and told she was going to have a sitdown with Suzie the enforcer.
Donald Trump reined in Homeland Security Secretary Kristi Noem after an icy White House meeting overseen by Chief of Staff Susie Wiles following another deadly shooting involving an immigration agent in Minnesota.
I miss the days when this forum would actually discuss the daily topic along with economics, commodities, equities, science, technology and most things relevant. I get the occasional banter, debate, trolling thing, etc. but not to the point where it becomes therapy all….. day….. long.
What percent of people live in one house for 50 years, don’t move, don’t refinance? Very low. Investors would know that. It’s almost an interest only bond at 50 yrs. The guy at the FHFA who pitched this must be incompetent.
American woman destroys object that she blames for her own failure.
Can’t you just admit and accept when you lose or are wrong?
Coco Gauff’s behind-the-scenes meltdown at the Australian Open: World No 3 smashes racket in a rage after losing in just 59 minutes – and it was all caught on camera
Fast Eddie says:
January 27, 2026 at 8:29 am
I miss the days
make new memories before it’s too late.
this might be interesting
https://www.thekitchn.com/chex-mix-recipe-23022715
Fast: Those days have been gone for some time now, and even on the occasion when there is a discussion on one of the subjects you note, someone without fail turns it into politics. And then there are the the one or two posters who post under multiple names , yesterday and the day before were prime examples of this. I don’t understand why they do this, it is not like people don’t know.
Yeah, posting under multiple names should be policed hard. I know Grim has other things to do, but people should be banned for this. It’s childish and no doubt detracts from the natural flow of ANY conversation.
I posted a lengthy Wall Street Journal article about inheriting real estate. Not a single comment. Maybe one? Instead I get attacked by perogie remover for alleging that he was biased because he posted in an odd manner. I think he has roid rage. I sway somewhat conservative, but I ain’t MAGA.
Fast Eddie says:
January 27, 2026 at 8:29 am
I miss the days when this forum would actually discuss the daily topic along with economics, commodities, equities, science, technology and most things relevant. I get the occasional banter, debate, trolling thing, etc. but not to the point where it becomes therapy all….. day….. long.
Chicago says:
January 26, 2026 at 11:43 pm
About 35 years ago, I was on the PATH going from JSQ to HOB at about 3AM.
A guy was wearing a hat that said “You Down With OPP?”
I walked onto the train buzzed and said “Yeah You Know Me”
The guy without flinching cold cocked me. My first thought was to rush him, but instead, I just stood up, looked at him and then act like nothing happened. My thought was anybody willing to do that is not somebody that I should be trying to make a point with. The problem is my friend from Trinidad. Refused to just let it be. He walked up to the guy and started saying what did you do that for? And I kinda had to grab my friend and push him into the next car and be like it’s not fucking worth it. We don’t know who we’re dealing with. That’s my mentality about this ICE stuff. It’s completely FAFO.
No one deserves to get beat up or killed, but at the same time if you’re asking for shit, you’re gonna get it
BRT says:
January 26, 2026 at 9:52 pm
There’s a conversation I’ve had with my son on numerous occasions. More recently, he wanted to cross out into the walkway even though the driver wasn’t paying attention. He’s supposed to yield. I get it. He wanted to jump in front of the car. I yanked him back and that was that. He insisted he was in the right. I said, great, you’ll be right, and also dead. I’d rather be wrong and alive.
This guy probably shouldn’t have been shot, but he was. Was it nefarious or a result of the chaos. I don’t know. But at the end of the day, this occurred because he inserted himself into the situation. Would I let my kid even be in that situation? No? Would you guys? If you stay home, your still going about your day. Even if you stay on the side of the street screaming like a child while carrying, you are still going about your day. If you decide to get into the scuffle, well…you might not. If you want to get into a scuffle while carrying well…the odds just went up you might not.
If you guys believe your own rhetoric about ICE/Border patrol, you’d be advising people to stay the heck away from them. If you insist on assaulted and interfering, there are going to be instances where people are unfortunately killed. But none of you are doing that. You and the politicians want them to keep fighting.
It’s no different than when Pumps was screaming about his road raging tendencies. Sorry, I don’t get into nonsense with people on the road. You all driving on the road mean absolutely nothing to me and I don’t care enough to even engage with you. I’ll stop and let you pass. If you want an argument, I will just ignore you. In my 12+ hours of commuting every week, there are at least 4 instances each week that I could easily escalate into an argument on the road. Sorry, I’d rather be alive.
Chicago,
I posted a lengthy Wall Street Journal article about inheriting real estate.
I must have missed it. Yesterday?
Chi,
Please repost if it’s good. I can’t wade through yesterday’s morass.
Yea, the article chi shared lines up with fast’s thesis that real estate is now a luxury. A lot of properties will just be passed down instead of going to the market.
Why sell and pay taxes on a scarce item that holds its value.
Obviously, real estate is local. This doesn’t apply to every location.
Chgo: That is what is concerning now in the current environment, if you don adhere to the leftist narrative, then you are suspect, you are secret MAGA. There is no centrist or moderate for them, you either support their positions 100 percent, or you are suspect.
This keeps up going forward, there will be political reeducation camps at some point, and people only too happy to do the reeducation. And I am not kidding.
I simply explained why I used his first name and left it at that.
What followed was an attack on your favorable views of this administration, your apparent support of their activities in Minneapolis, and your cognitive dissonance inducing party-line machinations around the wanton disregard of the Bill of Rights.
You’re right, you’re not MAGA, but you sure fall in line like one.
Get rekt, 3b. 1A and 2A are a thing. You espouse them all day long when they suit your narrative.
Boom: I don’t support what’s happening in Minneapolis. If you saw my post about being on the path train, my opinion is that the protesters are asking for it. I especially have no patience for Pretti. The reason being is that ice is already on record having killed someone using excessive force. That is just stating a fact. So within two weeks, you have a person who is using the signal app to get dynamic updates about law enforcement operations, and specifically goes into a situation while armed. Not only was the person armed, but they brought additional ammunition. Regardless, you don’t go you don’t die. Secondly if you’re there and you don’t involve yourself, you don’t die. He violated both rules of common sense. He didn’t deserve to die, but if the point is not to die, then he made woefully bad decisions.
Chicago says:
January 26, 2026 at 10:54 am
The largest generational transfer of housing wealth in modern US history is underway with inherited homes changing family balance sheets, reshaping financial planning and swelling senior net worth totals.
But despite record-breaking property hand-offs, the long-anticipated wave of homes hitting the market (and easing the housing shortage) isn’t arriving, meaning hopeful homebuyers may find affordability remains constrained.
New research from Cotality shows inherited homes are reaching historic levels as more properties pass from aging owners to their heirs, with inherited houses accounting for a record share of all home transfers in the United States in the past year. At first glance, that sounds like fresh inventory for a starved housing market but the reality is different because most of these homes are staying off the open market.
Instead of selling inherited properties, many heirs are moving in themselves or holding onto them as long-term family assets. State tax structures reinforce that behavior as, in places like California, heirs can preserve lower property tax assessments if they occupy inherited homes as primary residences. That incentive encourages families to keep homes rather than list them, effectively removing potential supply from public sale.
Cotality’s analysis pushes back on the popular idea of a looming “Silver Tsunami” of housing inventory. Older Americans, the data suggests, are aging in place at high rates. When ownership finally transfers, heirs frequently choose to retain the property. The result: a massive wealth shift between generations without the broad release of homes that housing-market optimists once expected.
Financial industry analysts estimate trillions of dollars in real estate assets will pass to younger generations over the next decade, fundamentally reshaping investment portfolios and estate strategies. Advisors are already preparing for inherited property to become a central component of household wealth planning — even as housing affordability remains strained for new buyers.
Record home equity
At the same time, senior Americans are sitting on unprecedented levels of home equity. According to new data from the NRMLA/RiskSpan Reverse Mortgage Market Index, homeowners aged 62 and older held a record $14.66 trillion in housing wealth in the third quarter of 2025. Rising home values pushed the index to its highest level ever recorded, underscoring how much property wealth is concentrated among older households.
“At a time when inflation pressures and the fear of outliving one’s retirement savings remain top concerns for retirees, home equity stands out as a powerful — yet often underutilized — financial resource,” said NRMLA President Steve Irwin. “When incorporated responsibly into a broader retirement strategy, this wealth can help seniors offset rising costs, reduce income shortfalls, and gain greater peace of mind about their long-term financial security.”
That combination — seniors holding record equity and heirs retaining inherited homes — means housing stock is recycling within families more than it is re-entering the market. For first-time buyers and renters hoping demographic turnover would open doors to ownership, the math doesn’t work in their favor.
Policy discussions in Washington reflect growing awareness that supply constraints won’t resolve themselves. The administration has recently signaled interest in limiting institutional investors’ purchases of single-family homes, aiming to reduce competition for everyday buyers. At the same time, new tax proposals including floated ideas to extend home-depreciation tax benefits to individual homeowners.
However, even aggressive financial or tax reforms won’t change the basic structural challenge that too few homes are being built, and too few existing ones are reaching the open market. Inherited homes may represent a generational wealth engine, but they are not a supply engine
Chgo: I saw your article yesterday, and had a few comments but got busy. I think there is hype surrounding this too, as far holding on to an inherited house, and the surrounding costs. I am also skeptical regarding values going forward. The decline in the birth rate is a huge issue and not factored in.
I have also read multiple articles discussing how away from real estae, many baby boomers don’t have as much in wealth (cash/investments ) as many might think. Also 42 percent of the 84 trillion in wealth transfer is coming from theand that top 1.5 of households.
There are also seniors out there with reverse mortgages, I don’t know the total loan amount outstanding, but I do recall recall reading in the WSJ or Barrons that California had the highest amount of loans outstanding, you can read into that from there.As well there will be seniors who need the monies from their houses to pay for assisted living facilities at some point, so that has to be factored in.
And anecdotally, I understand there is a movement of seniors who plan to spend it all before they go. The thought by many of them is we took care of our responsibilities and obligations and in many cases went above and beyond (college,weddings down payment on house or some combination), and that’s it, you are not getting anymore.
There is also a lot of younger people on social media complaining about this and how upset they are that their parents are spending their inheritance.
Boomer: You are completely wrong of course, but you did prove my point.
I suspect that eventually the next generation will sell those inherited homes. Maybe in small towns where the kids stay in the same town, which I suspect is mostly low-end housing, the kids move in and stay. But more expensive homes, what’s the chance that the parents house is ideal for where the kid wants to live and stay, and that they can afford? Looks like California regulations skew that market, but even then, I suspect they own to keep the taxes low, then rent it out to someone it’s more desirable to. Resold homes is always the biggest supply of housing, so I’m not sure about the conclusion of the article. Eventually heirs will get shaken out by the costs of a second home, if they can’t afford to hold on.
California’s biggest problem is their anti-development attitude.
In Florida my town will not permit a net increase in housing units – period. Any new build has to replace an old one. As a freedom supporter I’m not a fan, but on the other hand, traffic is constrained by the whole town being connected by one double lane road and two bridges in and out.
One of the things I noticed is that the government is trying their hardest to get their slice of those home sales. They are doing their best to pry away every ounce of wealth they can to children who confine their parents to a nursing home.
No one, it’s sensible policy. If you want more homes, more roads/transportation are/is needed. NJ is just adding homes endlessly with no new roads. It is not working out too well.
There is also a lot of younger people on social media complaining about this and how upset they are that their parents are spending their inheritance.
Y’all can’t see? Lemme give you a clear sense
We out here spending your inheritance
You in the parking lot eating by the trash right
We in the booth reading menus with the flashlight
Chicago,
Thanks for re-posting. A house is part of the portfolio, an heirloom. As I’ve mentioned, to own a house is akin to owning a Mercedes 50 years ago. It’s out of the reach for most. Any asset that has value will accelerate in price, reach a plateau and stay for a few years or the next generation. We’re witnessing it now.
The vulture capitalists will get their pound of flesh.
There are also seniors out there with reverse mortgages, I don’t know the total loan amount outstanding, but I do recall recall reading in the WSJ or Barrons that California had the highest amount of loans outstanding, you can read into that from there.As well there will be seniors who need the monies from their houses to pay for assisted living facilities at some point, so that has to be factored in.
Unemployment will take care of this problem.
BRT says:
January 27, 2026 at 11:00 am
No one, it’s sensible policy. If you want more homes, more roads/transportation are/is needed. NJ is just adding homes endlessly with no new roads. It is not working out too well.
BRT: NJ is just building pod housing, and its not very affordable. They throw in a few affordable housing units, but for the most part they try and get market rent for them. That said we may be reaching the saturation point in Bergen Co. But yes, they are not updating the roads etc to go along with the new pods. They do not even want to add left turn signals on high traffic roads.
Fast: You might be disappointed going forward with the house as luxury thing.
There is liking what someone is doing, not liking what someone is doing, liking what someone is doing, but not liking the way they go about it, and liking what someone is doing and enjoying how they do it
Will you refrain from doing it?
Fast Eddie says:
January 27, 2026 at 8:29 am
I miss the days when this forum would actually discuss the daily topic along with economics, commodities, equities, science, technology and most things relevant. I get the occasional banter, debate, trolling thing, etc. but not to the point where it becomes therapy all….. day….. long.
Amazon announced it is closing all of its physical Amazon Go, and Amazon Fresh stores to focus solely on its on- line same day food delivery services.
UPS announced another 30, 000 layoffs in its operational areas, after the 48,000 last year of operational and mgmt positions. I remember UPS drivers got large wage and benefit increases a few years ago, and air conditioned trucks, I guess they have to make up for that with all these layoffs. UPS says it is still rightsizing its business after losing its largest customer, Amazon.
I thought MAGA voted Orange Man to solve the housing crisis. Are you saying he made it worse?
In other news, this is America.
https://www.reddit.com/r/TikTokCringe/s/P8hmAyNqrq
Unemployed men. Give ’em some guns and let them roam the streets.
There are only so many odd jobs to go around.
They will correctly determine that it isn’t them, but the system that put them where they are.
then comes the entertainment.
3b says:
January 27, 2026 at 11:40 am
Amazon announced it is closing all of its physical Amazon Go, and Amazon Fresh stores to focus solely on its on- line same day food delivery services.
UPS announced another 30, 000 layoffs in its operational areas, after the 48,000 last year of operational and mgmt positions.
Did anyone see the video of the „Protester“ picking up a live flash bang that then exploded exploded in her hand? Apparently she lost some fingers. These people are inserting themselves into police business and creating dangerous situations. Actual protesting is fine, but many of these well meaning individuals are being manipulated by various groups.
The leaders in europe are so weak and limp wristed, or are they controlled by their handlers?
starmer allowing his troops to be insulted by trump
rutte sucking murican d, and demading that germans send their tax dollars to buy american weapons instead of their own. germany will be headed for a fall soon since they expect thier workers to pay, but don’t give them jobs.
NATO Secretary General Mark Rutte has urged EU countries not to tie themselves to the principles of “buy European” or “buy Ukrainian” when it comes to spending a €90 billion loan to support the Ukrainian military, but instead to purchase the weapons Ukraine actually needs, particularly from the United States.
Chad Powers says:
January 27, 2026 at 12:06 pm
Did anyone see the video of the „Protester“ picking up a live flash bang that then exploded exploded in her hand? Apparently she lost some fingers.
is that covered by health insurance?
Hello! Good afternoon, everybody.
“Not only was the person armed, but they brought additional ammunition.”
Oh, I understand your concern, and I feel similarly about every low IQ jerkoff that polishes the barrels of their gun collection on the weekends, but we have a 2nd amendment in this country, and thus this is a non-issue. The only person bothered by this is Noem, FOX, MAGA, and you.
“Regardless, you don’t go you don’t die.”
I respect your strong instinct for self-preservation (my kid has this in spades), but the argument you’re making relies on rhetoric more commonly associated with authoritarianism.
k’bye.
EU Gary,
Since you appear unable to distinguish between party propaganda and verifiable facts, as is common among the aging, you should, in the interest of being taken seriously, support your claims with sources rather than assertions.
Eat an air mailed dick.
“Regardless, you don’t go you don’t die.”
I respect your strong instinct for self-preservation (my kid has this in spades), but the argument you’re making relies on rhetoric more commonly associated with authoritarianism.
br,
the idea is to lead the cattle to the train cars.
off to slaughter they go. don’t resist, don’t fight back.
you will get your day in court. 😂
for those who like to fly, this is how it’s done.
wendover does good productions.
https://youtu.be/XcbAhYQ49_U?si=k4iEs1PC8sMNKBgZ
Fun Fact about New Jersey
NJ bans people from bringing legally permitted firearms to protests or public demonstrations. Why would they do that?
In fact, Democratic controlled NJ is doing this: New legislation (S2281), introduced for the 2026-2027 session, further aims to establish a specific crime for possessing a firearm during a public demonstration if the intent is to cause civil disorder.
Will NJ legislators repeal these state laws and instead say that people bringing guns to protests are heroes, not criminals?
There is a reason it appears I have changed and that this blog has turn so political. It’s simply due to the absolute mess Trump is. The same moron who lost to a senile Biden is about to lose horribly in the midterms. The greatest comeback in history will have turned into the greatest disaster. Dems might have done some stupid identity politicking. They did not encits the takeover of the Capital Building and they did not shoot any protestors. Trump is a different leader. He is dangerous.
Some-One,
Will you refrain from doing it?
No, not always. Your side needs to be reminded frequently that mental illness is not policy and micro aggression impedes productivity.
It’s simply due to the absolute mess Trump is.
You’ll catch the most flack when you’re over the target. A total shift of the tectonic structure of the globe was long overdue. The democrat’s approach is so muted and insignificant that they’re suffering from severe epistemic atrophy.
Those that hate Trump don’t want progress, they want to cut their noses off to spite their faces.
Yep, I agree.
Now many of the so-called rational conservatives have turned fascist
Shame
Fast Eddie says:
January 27, 2026 at 8:29 am
I miss the days when this forum would actually discuss the daily topic along with economics, commodities, equities, science, technology and most things relevant. I get the occasional banter, debate, trolling thing, etc. but not to the point where it becomes therapy all….. day….. long.
1:05 Thanks Dr Joyce dumbass
Dark Phoenix,
I doubt it would be covered by Health insurance. She could say, „I was at a mostly peaceful protest and attempted to throw a flash bang back at federal agents who were legally enforcing the law“. I don’t think George Soros is covering the costs either. Probably viewed as collateral damage by the Far Left Elites. Taking one for the home team as it were.
One Battle After Another, Antifa and French 75
I guess I should make myself watch this movie
Chad
that was a joke.
i am in that industry.
it’s covered.
Reddit has hundreds of like-minded souls that collectively trash Trump. Why not go there so you can feel good about yourselves? Alleviate your misery through the comfort of a s0cial environment so you don’t feel so weak and irrelevant. You all feel comfortable in a communal environment so why be angry trying to convince independent, driven folks to be idle and apathetic?
it’s very rewarding work to put fingers back on people.
i get paid well.
the person can hold a beer afterward, or hug someone.
i don’t judge how you get to me.
i just wanna help you. even if you suck biden or trump dick, i still love you.
Dark Phoenix,
Really? Thats surprising.
Fast Eddie says:
January 27, 2026 at 1:43 pm
Reddit has hundreds of like-minded souls that collectively trash Trump. Why not go there so you can feel good about yourselves?
first amendment. you can always go to reddit and find a trump loving page.
maybe one day a first amendment auditor will show up and video you on your front yard sprinkling chex mix. i hope you show them ❤️
Art: So many reasonable and rational minded Liberals who have gone over to the radical leftist insanity side, or the ones who claim to be the mainstream , and yet have nothing to offer the American people. Of course the same can be said on the moderate Republican side but to you the leftist democrats are the good guys and everyone else is bad. You guys know best is your mantra
Chad Powers says:
January 27, 2026 at 1:46 pm
Dark Phoenix,
Really? Thats surprising.
what, helping people for a living, instead of grifting off them like a tick?
idk, never lived any other way. pay my bills, paid my child support, paid my taxes, paid it all. seen a lot, faces blown off, babies with cancer. tried my best.
didn’t spend my life ripping others off, taking a cut off their hard earned income, falsifying tax records, nope, none of that crap. my work has helped not only patients, but made life easier for those i work for to make a living, to get home earlier, to have more time with their children.
boomers have made america into such a turd fest that women don’t even want kids or families anymore. think about that for a minute, it’s like convincing an animal to not procreate- the opposite of nature.
nope, they didn’t leave the country better than they got it, they shit all over it, and continue to do so.
My SIL is going nuts on Trump.
She’s upset that my 24 year old and her HR consulting colleagues aren’t discussing the impact of Greenland and ICE in the office.
My SIL says these issues are frequently discussed in her office.
I’ll note that my SIL has been a “strategy” executive for two companies. And that the stock market returns of the two companies that she’s been involved in guiding strategy for have been approximately zero over the period 1999 through 2025. Maybe she’s paying attention to the wrong things in her strategy department?
Lib: The fact that Trump won in 2016 demonstrated how far off course as a country we had gone. Then after 4 years of chaos, people were exhausted and voted for Biden as he portrayed himself as the moderate centrist he was anything but.
It was also clear shortly after the election if not before that Biden was in mental decline. The democrats denied it and so did the media, and even you defended all his gaffes etc due to a speech impediment, which he had overcome decades ago. So, we had 4 more years of a different kind of chaos with the Biden administration or whoever was actually running the country. Fast forward and Biden drops out of the election only to be replaced by his VP, and then Trump wins again. That’ says a lot, nothing happens in a vacuum.
3b
how much would you be willing to fight for the american constitution?
for freedom of speech, which shlomo wants to take away?
or the right to bear arms, you wanna do away with that one? would you give your life to keep it?
are you a real american, a patriot, or do you have an allegiance to any other country or anything at all? Does america come first to you after your family?
Dark: Are you a Boomer or Gen X?
She’s upset that my 24 year old and her HR consulting colleagues aren’t discussing the impact of Greenland and ICE in the office.
24 year olds aren’t having that conversation with anyone.
they are all too busy group texting for food, trying to get laid, and hoping they can afford their next meal.
3b says:
January 27, 2026 at 2:03 pm
Dark: Are you a Boomer or Gen X?
i am a dinosaur, slowly turning into a corpse.
Then my SIL calls my wife to complain about my kid. Says its sounds to her that she’s not working long enough hours, cares too much about eating healthy and exercising and getting enough sleep nightly. Asks my wife what kind of HR consultant doesn’t have expert opinions on Trump’s impact on the world? I’m suggesting that my my wife tells my SIL that if one doesn’t waste one’s time on topics irrelevant to work all day, one has time to do a great job and not have to catch up on work late at night (unlike my SIL and her kid’s work habits apparently). My kid informs us that all her managers are impressed with her first months’ work and are eager to add her to more projects and assignments.
i think a good protest is for everyone, everywhere in america is to wear a mask whenever they go out.
go shopping, wear a mask. driving, wear a mask.
if all men are created equal, then all men can wear masks, right??
or are we not all equal?
when you watched a western, only the bandits wore masks. the good guys never did. well, except for batman and robin, but they ain’t regular folk, they be superheroes.
Then my SIL calls my wife to complain about my kid. Says its sounds to her that she’s not working long enough hours, cares too much about eating healthy and exercising and getting enough sleep nightly.
sounds like a typical woman boss.
ever worked for one? been married to one?
get your shoes off the table, put the dishes in the dishwasher.
do it now!!!!!!
Dark,
Nope, my kid, like many of her friends, are pretty, happy, and don’t let the world get them down. They focus on what they are in control of, which are their own choices, and they find jobs, find friends, and work on staying physically and mentally happy.
My kid silences her phone much of the day, avoiding the traps out there.
Buys her own food, and is saving money.
Having a wealthy father is a big help of course. It feels good as a male provider to offer that, rather than bleak nihilism, to my child.
No one
you best take some of your money and help her get a different job.
You said not to wear a mask, now you ok with it.
You said guns protects against govt, now you say not to carry.
You against big govt, now you Ok govt kidnapping and murder.
Can insane people recognize that they are insane? Doctors say no
3b says:
January 27, 2026 at 1:53 pm
Art: So many reasonable and rational minded Liberals who have gone over to the radical leftist insanity side, or the ones who claim to be the mainstream , and yet have nothing to offer the American people. Of course the same can be said on the moderate Republican side but to you the leftist democrats are the good guys and everyone else is bad. You guys know best is your mantra
You’re such a smart person. So, how is the end of the last sentence lost on you?
No One says:
January 27, 2026 at 12:58 pm
Fun Fact about New Jersey
NJ bans people from bringing legally permitted firearms to protests or public demonstrations. Why would they do that?
In fact, Democratic controlled NJ is doing this: New legislation (S2281), introduced for the 2026-2027 session, further aims to establish a specific crime for possessing a firearm during a public demonstration if the intent is to cause civil disorder
Race to the bottom continues
Fast Eddie says:
January 27, 2026 at 1:05 pm
Some-One,
Will you refrain from doing it?
No, not always. Your side needs to be reminded frequently that mental illness is not policy and micro aggression impedes productivity.
Snow Wars.
https://www.reddit.com/r/PublicFreakout/comments/1qog82o/neighbors_arguing_over_snow/
Does not fit narrative. Must suppress.
“Alex Pretti was known to the feds and suffered a broken rib in a violent confrontation with agents a week before Border Patrol officers killed him in Minneapolis, according to a report.”
from the cockpit, how a planeload of passengers lost their lives, from the NTSB.
https://www.reddit.com/r/aviation/comments/1qohj7h/the_ntsb_has_released_a_simulated_computer/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button
No One: Your SIL sounds like a piece of work, Actually, and no offense she sounds miserable. And why would an HR person as it relates to their HR job need to have an opinion on how Trump/Greenland is impacting the world ?
ART: I never said that, but that’s what you do. As for your post, there are multiple examples of leftist insanity that I could list that we are all supposed to accept as perfectly normal or else we are bad.
Same way nepotism, favoritism, racism, religion, and every other reason people get jobs. Or just plain sleep with someone to get hired.
Y’all do realize there are many, many ways to get a job.
3b says:
January 27, 2026 at 3:39 pm
No One: Your SIL sounds like a piece of work, Actually, and no offense she sounds miserable. And why would an HR person as it relates to their HR job need to have an opinion on how Trump/Greenland is impacting the world ?
As for your post, there are multiple examples of leftist insanity that I could list.
sure, but maybe somtimes bring the reciepts.
i posed a couple of questions to you, they couldn’t be answered.
But as they say in Mexico, no problemo. 😂
Got a hookup with a hottie. ping-pong the liberal-conservative capitalist-commie stuff while i’m gone
toodles.
Dark: You need to get over your obsession with the Israeli guy named Schlomo. As for the allegiance thing we already discussed it. I have dual citizenship , I already told you why, yet you seem to have an issue with it. As for the rest of your post, it is neither here or there, kind of rambling, just an observation. You might want to try to be a little happier this year, and not be so contradictory. One minute you basically hate America and Americans, and the next you are singing Lee Greenwood’s I am Proud to be an American. Which is it
Dark: You posed no questions to me, but you did make some accusations or assumptions. But, that is Ok. it is how you roll, no real discussions, just ramblings, we all have our foibles. Others have major flaws.
Does not fit narrative. Must suppress.
“ChiFi likes to play with kielbasas, according to a report.”
3b
Got a couple min before I gotta go.
Shlomo, could be anyone. Doesn’t matter. He just happened to be vocal about eliminating a basic tenet of american society. I’m sure there are others. Some that want to burn books as well. Most that won’t have the guts to say it out loud like he did.
Make it be someone else, I’m sure you could find someone. There are plenty of them.
First amendment, along with the others, aren’t to be touched, or it ain’t America.
That’s a hard stop.
No problem with someone having dual citizenships, y’all explained the reason for them. I get that. But if you had to choose, and we all pick and choose things, well, one comes out on top. That decides who you are. I don’t care where you come from, but if you choose them, that’s who you are. And that is okay. But if it ain’t america, then you will be biased towards the other team. Not rocket science, just reality. And that is fine. No one says you have to put america first. I do, but you don’t have to. your choice.
and I can be an american, and a patriot, and not be happy with what is happening here. for me that includes both biden and trump. I’m all fine with getting rid of illegals-but it’s how you do things, and who they are, is what makes the difference.
Just saw a video of ICE guys chasing a spanish girl like they were gonna rape her. Turns out she was an American citizen. Do your due diligence first. Don’t do it like freaks with masks on. Nobody wants the bad guys, that’s an easy sell. But when you scrape up everyone and sort them later, it’s not a good look.
AI for the win. I am glad some of you support this correction of your tax dollars.
https://www.tiktok.com/t/ZP8PG9mPk/
Corruption
Alex Pretti “brandished” a high-powered semi-automatic firearm as a “would-be assassin” and a “domestic terrorist” who “tried to murder federal law enforcement” acting “violently” wanting to “massacre law enforcement” and the ICE agents are “the victims”.
Was I able to get all the lies in one sentence?
Alex Pretti did nothing illegal until he decided to physically interfere and resist. Both are crimes. The ICE agents were doing their jobs until one decided to shoot someone in the back kneeling down 10 times. A crime.
chicagofinance says:
January 27, 2026 at 3:33 pm
Does not fit narrative. Must suppress.
“Alex Pretti was known to the feds and suffered a broken rib in a violent confrontation with agents a week before Border Patrol officers killed him in Minneapolis, according to a report.”
Is this what passes for clever in leftist conversations?
“You said not to wear a mask, now you ok with it.” (Many did say government had no right to mandate masks, particularly ones that served no practical purpose. Not sure everyone is ok with the mass-masking of ICE to hide identities – what other law agencies need to wear masks?)
You said guns protects against govt, now you say not to carry. (People who said the purpose of the second amendment was to arm resistance against the government are stupid, so are people who think that one should bring guns to or physically interject themselves into policing efforts to interfere with whatever law enforcement they don’t like)
“You against big govt, now you Ok govt kidnapping and murder”. (Still against big government, but is the government kidnapping people, or is it trying to enforce existing law in the face of sometimes violent resistors, and people intent on ramping up chaos, emphasizing one particular narrative, which are leading to deadly accidents? Limited government doesn’t equal anarchy, or the absence of law enforcement. I, and many others on the right think the government is taking the wrong approach by escalating rather than reducing conflict and chaos in the face of those trying to stoke it. But I also don’t think cities or states get to permanently nullify federal immigration law and declare themselves “sanctuaries” for illegals to permanently inhabit).
Here is some context from PBS about Ashli Babbitt, an “insurrectionist” to justify her being accidentally shot. Will PBS be providing the same level of in depth reporting on the background of the shot ICE protestors? Including their love lives, their erratic behavior and obsessions leading up to their shootings?
https://www.pbs.org/newshour/nation/ashli-babbitt-jan-6-insurrectionist-portrayed-as-martyr-by-some-had-violent-past#:~:text=The%20attack%20on%20Norris%20is,with%20Ashli%20and%20another%20woman.
Ashli Babbitt, Jan. 6 insurrectionist portrayed as martyr by some, had violent past
Nation Jan 3, 2022 11:07 AM EST
WASHINGTON (AP) — The first time Celeste Norris laid eyes on Ashli Babbitt, the future insurrectionist had just rammed her vehicle three times with an SUV and was pounding on the window, challenging her to a fight.
Norris says the bad blood between them began in 2015, when Babbitt engaged in a monthslong extramarital affair with Norris’ longtime live-in boyfriend. When she learned of the relationship, Norris called Babbitt’s husband and told him she was cheating.
3b,
My kid went to a “prestigious” private high school and saw kids turn insanely woke in 2019/20. But she’s never been interested in politics. It was there she learned how to try to avoid their hateful gaze.
What I notice is that kids involved in sports, cheer/dance, and physical fitness and who study practical subjects in school are not consumed by hatred and envy like a lot of the woke kids. The wokest kids there were generally either ugly or working through family trauma, and tended to be divorced from the physical world, wrapped up in theories unbased in reality, and on online communities.
What narrative, salty bootlicker? That ICE’s detention of said individual was mishandled and caused his death. Yes, that fact stands irrespective of his past actions.
EU Gary is too old to understand that people younger than him know how to pull video from a dozen independent sources that directly contradicts the words coming from the government and make up their mind about the characterization or framing of current events. So, he gets spoon fed from the podium and then brings his stale news bits here as if he Cristofo Colombus.
This is sorta how I feel about you quoting the NY Post.
At any rate, the citation doesn’t matter as your (rather poor) argument is defective ab initio.
https://www.bloomberg.com/news/articles/2026-01-27/us-consumer-confidence-plummets-to-lowest-level-since-2014
Consumer Confidence in toilet
The wokest kids there were generally either ugly or working through family trauma, and tended to be divorced from the physical world, wrapped up in theories unbased in reality, and on online communities.
I’ll take the modern democrat party for $1,000, Alex.
5:30 you’re a catch aren’t cha.
“No one” is out here logic bombing on your positions.
Yep all rightwingers lack principles, nihilistic people who stand for nothing
Art says:
January 27, 2026 at 2:58 pm
You said not to wear a mask, now you ok with it.
You said guns protects against govt, now you say not to carry.
You against big govt, now you Ok govt kidnapping and murder.
Can insane people recognize that they are insane? Doctors say no
Lib: Re consumer confidence falling, well there is a disconnect, because people are still spending, and spending on discretionary items. I don’t know when the two will dovetail. Right now saying one thing, doing another.
Art: More empty rhetoric on your part.
“I’m ok. I’m a survivor so this small agitator isn’t going to intimidate me from doing my work. I don’t let bullies win. Grateful to my incredible constituents who rallied behind me. Minnesota strong.” -Ilhan Omar, after MAGA nutcase sprays chemical
LET’S GO!
https://m.youtube.com/watch?v=RZBmBZa-9qo&list=RDRZBmBZa-9qo&start_radio=1&pp=ygUUa2llbGJhc2EgdGVuYWNpb3VzIGSgBwE%3D Libturd says:
January 27, 2026 at 4:12 pm
Does not fit narrative. Must suppress.
“ChiFi likes to play with kielbasas, according to a report.”
Eddie, you have stayed in the same lane since 2009 if not before. Racist anti-Obama posts were common from you. I wonder what those nice times were that you yearn for.
“The world has changed, Washington has changed. There is almost nothing normal in the U.S. now and that’s the truth,” – Carney
104th or so,
Globalization is in full swing. Canada – EU, EU – India, all kinda bed fellas. US is just not in it. And oh, greenback is at it’s lowest.
My world large cap is trouncing the S&P
What a sh1t show.
hehe. what a headline this am. flip flop. so who is running the show?
Stephen Miller walks back comments on shooting of Alex Pretti as Kristi Noem throws immigration guru under the bus
Stephen Miller’s remarks were a dramatic U-Turn just days after the top Trump aide lambasted the 37-year-old nurse as ‘an assassin’ who ‘tried to murder federal agents.’ His comments came as Noem appeared to blame him for claims by her Department of Homeland Security that Pretti intended to ‘massacre’ immigration agents.
Ya dun goofed.
I’d have more respect for this president if he were actually running the show.
when his minions and handlers make mistakes, he has to eat the humble pie.
this is what happens when you don’t have the confidence to take the high road. pathetic actually.
Two federal agents shot Alex Pretti, initial government review reveals
The review makes no mention of Pretti brandishing a weapon, contradicting initial comments from the administration about the killing.
Read shocking texts between married teacher, 25, and boy, 17, who had sex for three-and-a-half hours while her VERY forgiving lawyer husband was away on hunting trip.
don’t care about that. what i want is to see her in prison for the same amount of time a man would get for doing the same thing.
6:25
Reportedly Corey Lewandoski is running the show under Noem. Apparently he’s spent quite a bit of time under Noem.
He’s a truly special a$$hole.
Eddie, you have stayed in the same lane since 2009 if not before. Racist anti-Obama posts were common from you. I wonder what those nice times were that you yearn for.
His color didn’t matter. Besides, I can see right through him. And every post wasn’t about politics. I said what I yearn for or what I miss up above. It was well before this forum doubled as a therapy session.
Rich people problem. send them a bill for the used of the icebreaker. call it a socialism invoice, since that is what it is.
Coast Guard called to help luxury cruise stuck in Antarctica
Passengers sipped champagne while watching the U.S. icebreaker clear a path.
About half of the Hudson river adjacent to Manhattan froze over. Edgewater ferry suspended service, and tugboats now break ice in front of Weehawken/39st ferries. It’s cold out there.
Amazon cuts 16,000 jobs in AWS division
US trade deficit widens by the most in nearly 34 years in November.
How is that possible? I thought tariffs were supposed to fix this. Still enjoying the show?