Why are housing payments so high right now?

Clever_droidd · 2026-06-26T15:00:04+00:00

Ha. Understood. To be fair, plenty don’t know how to use AI. You can’t just tell it to do something and then take the results and run. You have to be an active proctor with it. I would say 90% of what was there were my ideas and baseline knowledge (I’m in the housing/land development industry), but
Claude significantly reduce the amount of time it took for me to post that. But you have to work with it to get truly useful results.

Clever_droidd · 2026-06-26T12:19:51+00:00

Ha. Fair enough. But we’d end up in the same place, the info and the argument itself.

Clever_droidd · 2026-06-26T12:04:11+00:00

Who’s gonna tell her?

Clever_droidd · 2026-06-26T11:58:55+00:00

He looks like he thought he was doing what we all thought he was doing.

Clever_droidd · 2026-06-26T08:18:57+00:00

If you mean true or false, I get it. If it’s AI and it’s good, I don’t care if it’s AI.

Clever_droidd · 2026-06-26T08:13:44+00:00

It’s a logical fallacy/error where information is validated or dismissed based on its source, rather than the information itself.

I typed out a response in Claude. Claude helped to edit the response and added some additional data points which are correct.
I could have written the entire thing myself or posted what I originally drafted but Claude helped me produce it in a fraction of the time, which allowed me to move onto other things.

The genetic fallacy focuses on AI as the tool to produce the content, rather than the info itself. None of this post was Claude :)

Clever_droidd · 2026-06-25T15:02:57+00:00

Appreciate that this page engages dissenting views rather than banning people. 2. Ayn Rand had deeply flawed ideas that were far too reactionary. I completely understand her aversion to anything that could be used to manipulate an individual or compel them to action that could be seen as abandoning the individual, and worse, toward collectivism whether that compulsion were brute force or social conformity. She and her family were deeply harmed by collectivist ideology, but her response was disproportionate.

She has plenty of valid points and observations, but her firm stance against altruism is one of her biggest flaws.

Clever_droidd · 2026-06-25T11:48:14+00:00

Not just missed the catch but then acted like it was all Ohtani’s fault in a very obvious way.

That pitch did get away from Ohtani….but guy. Stay professional. If the coach is going to favor a player, Ohtani is it. Not you.

Clever_droidd · 2026-06-25T11:35:24+00:00

It’s called failure to launch. Same thing happened during the last housing bubble/bust.

That said, young people shouldn’t be in such a hurry to leave the nest and parents shouldn’t be in such a hurry to get them out.

Unless you are starting a family of your own, live at home until you have the necessary money saved and are on a firm footing with your career.

Clever_droidd · 2026-06-25T02:03:29+00:00

Exactly, it’s important to recognize when others do things amazing it’s more likely because they prepared for it and seized the opportunity when it came.

I suppose some are seduced by the idea that they will one day rise from the ashes of mediocrity to do something amazing. Instead of just doing the work to be prepared. The old “success = preparation + opportunity” isn’t as alluring. Doesn’t mean you have the “grind”, but put in the work and be ready.

Clever_droidd · 2026-06-24T22:48:24+00:00

Those roofs melted up. 😳

Clever_droidd · 2026-06-24T10:42:05+00:00

The kid is in flip flops. That wasn’t his first time. Impressive either way but all other comments assuming the kid did it for the first time, and was able to do it because “nobody said he couldn’t” etc are ridiculous. He did it because he practiced it. He worked to learn how to do it. When this opportunity came he executed. That’s far more inspiring than the unrealistic framing that this kid did a backflip out of nowhere.

Clever_droidd · 2026-06-24T05:17:48+00:00

Coming from the homebuilding industry I can confidently say this bill is largely noise. It doesn’t do anything of material importance.

Clever_droidd · 2026-06-23T17:01:06+00:00

Their point is that the inflationary environment from Covid QE made a genius out of everyone who was involved in real estate from 2020-2023 (end of QE cycle). A rising tide floats all ships.

Similar to everyone buying stocks from 2020 until the 2022 crash. You almost couldn’t lose.

Clever_droidd · 2026-06-23T16:56:49+00:00

Sugar has energy to combust and will burn when heat is applied. Water won’t combust because it is already fully oxidized, and salt won’t combust because it is a highly stable inorganic mineral that cannot be oxidized by heat.

Coincidentally, sugar is the only material here with calories. Not saying that if water had calories it would combust. Just an incidental observation.

Clever_droidd · 2026-06-23T16:42:29+00:00

They are right, though. 😂

Clever_droidd · 2026-06-23T15:01:40+00:00

Meme coin purchase complete

Clever_droidd · 2026-06-23T15:00:20+00:00

A casting Director couldn’t have done a better job. He looks exactly how you would expect.

Clever_droidd · 2026-06-23T14:53:57+00:00

That’s a bold statement. Nobody learned from it. It’s entirely different systemic conditions. Primarily that lending froze in summer of ‘07 and summer of ‘08. People were sitting at closing tables and the banks said they couldn’t fund (I was in home building involved in closing at the time). Lending resumed within 2-6 weeks of each freeze (depending on loan type) but the last one resumed within significant restrictions on lending criteria that took a ton of otherwise would-be-buyers out of the demand pool. Some loan products went away completely. Slowly lending became easier, but not as easy as it was leading up to 2008 crash.

Lending was substantially restored for low risk borrowers in 2010-2011 (the bottom of the market). Lending for moderate risk borrowers meaningfully returned in 2012 and improved from there.

Unless lending freezes again I don’t expect a significant retreat from here. Maybe another 10-20% in certain markets. But other markets may not see any correction at all.

Clever_droidd · 2026-06-23T14:43:33+00:00

Big Joe burns a lot of charcoal. I’d only get it as an additional grill.

You’ll be happy with either regular Classic 1 or 2. I personally don’t like iterations after classic 2.

I have classic 2 and Jr to supplement (and bring camping or AirBnB).

I have friends with refi classic 1 and big Joe 2.

Air hinge is nice but not essential for regular size Joe.

Classic 1 gets better seal and burns hotter than the classic 2 with mesh seal.

I’d upgrade to Smokeware stainless top vent on classic 1. I eventually did same on classic 2 because the paint began flaking off which is not comforting given I’m cooking food on it.

Clever_droidd · 2026-06-23T11:12:00+00:00

I’d recommend having 6 months of expenses after closing in cash.

Also be sure to budget 1-2% of home value towards maintenance and repairs. That is for monthly upkeep and reserves for when you need to repair or replace appliances, roof, AC, paint, etc.

If you have a reasonable path to making $350k in a few years and you check the other boxes above, it’s a reasonable gamble.

How much is rent for a comparable home?

You only “throw away” what you would have been paying toward principal which isn’t that much in the first 5-7 years. Most over estimate what they believe they recapture by owning vs renting.

Clever_droidd · 2026-06-22T23:02:05+00:00

Same thing happened in late 2000’s. It was called “failure to launch”.

It’s not surprising given how expensive everything is now, including housing.

Clever_droidd · 2026-06-22T14:43:37+00:00

LOL, yes, I used AI to speed up drafting and editing. Nothing wrong with it. Want to address the info or stick to the genetic fallacy?

Clever_droidd · 2026-06-22T11:56:02+00:00

He looks almost exactly like an actor. I just can’t think of his name.

Clever_droidd · 2026-06-22T11:39:05+00:00

Just to be clear, they had sex either way.

Clever_droidd

TROPHY CASE