thats a beautiful car mrs. cherries..:hello::hello:

:happydance: Thank you Big D :tiphat:

You have some pretty cool cars yourself 😉😊

:hello:

we're very blessed mrs. cherries..

:hello::hello:

Kin folk :tiphat:

https://www.cnn.com/2023/08/25/homes...oan/index.html

"Zillow to offer a 1% down payment loan program."

"Home buying is the least affordable it has been in nearly 40 years. With mortgage rates crossing over 7% in recent weeks and home prices rising, home sales have plummeted over the past year. Prices are staying high because inventory remains stubbornly low as climbing mortgage rates are keeping people who have ultra-low interest rates from wanting to sell."

So back in the 70s/80s/90s when rates were in double-digits and upwards of 20% AND when income standards were lower, homes were more affordable? Absolute nonsense.

I do agree with the latter statement of prices staying high due to low inventory.

"Many housing markets are in the midst of an affordability crisis."

Not sure what context this was meant in. If in terms of rates, absolutely wrong. I will say that in the state of FL, many insurance companies are exiting and no longer underwriting policies, and the ones remaining are charging a hefty premium, so in terms of insurance, yes, it is not affordable.

Lastly, if potential homeowners are worried about coming up with a down payment, they should know this is only a part of the equation. Out of pocket costs to the buyer (aside from DP) also includes inspection, appraisal, and closing costs (which is anywhere from 3% to 6% of the purchase price).

https://www.cnn.com/2023/08/27/econo...ing/index.html

"US consumer spending is expected to cool further but not fall off a cliff."

Keep in mind, with each rate hike by the Feds, the effects are not immediately felt and takes some time. For example, if your credit card minimum payments are of a certain amount, even if you don't charge anything else going forward, expect for the min. payment amount to go up in the next coming months.

In order words, don't go into unnecessary/toxic debt.

https://www.cnn.com/2023/08/27/busin...ght/index.html

"Americans are being asked to consider tipping more often, but is it really required?"

If you aren't doing anything, then no, I won't tip you.

https://www.cnn.com/2023/08/27/weath...day/index.html

"Hurricane watch issued for Florida’s Gulf Coast as Tropical Storm Idalia approaches"

EFF YOU IDALIA! :mad:

Stay Strong

Stay Hydrated

Stay Frosty

:tiphat: :iagree:

:hello::hello::hello:

This topic was on the Gladiator forum. The question I asked was, "how much you supposed to tip strippers and escorts?"

That ain't a tip. That's a generous contribution/donation.

Mornin' folks!:tiphat: