Hearted Youtube comments on Michael Bordenaro (@MichaelBordenaro) channel.

  1. I'm a college professor and retiring next month. What colleges do to exploit students would blow your mind. Ex. College loan officers never call it debt. The term is forbidden. The term 'benefit' is used instead. It's called a 'financial aid package' which is a mix of grants and loans. Positioned as grants but they are mostly loans and good luck figuring out the detail. These loan officers assist with FAFSA completion and coach students on how to maximize their 'benefit' (debt). If a student asks questions like 'How much of this is debt? What's the interest rate? How high could the rate go?' the common response from the 'loan officer' is 'don't worry about it, you'll never really have to pay it back anyway'. Some students have $80k in debt with over 50% of the debt towards classes that they have failed in or withdrawn from! I see this weekly firsthand. Over 20% of student tuition revenue at community colleges comes from F/D/W graded courses. Imagine borrowing money for failing a course. Simply absurd and I feel so bad for these gullible students. (And I work VERY hard to discourage them from borrowing money for these silly degrees that offer no payback (STEM courses aside). Good video Michael.
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  2. If your girlfriend insist on going out for dinner every day you might want to get a new girlfriend. Besides not being as healthy as home cooking it expensive as heck to go to a restaurant nowadays, even fast food is ridiculous.
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  3. I’m tired of working this hard just for property to get further and further out of reach and for a huge portion of what I earn to get stolen and given to others who made worse choices
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  4. It is remarkable that Illinois, a state with great beauty and a rich history, faces challenges due to the political leanings of certain counties. If we were to disregard the current governor and the negative impact of certain political parties, the state would likely experience significant improvements.
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  5. If they're admitting it now, they're at least 2 years behind.
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  6. Self awareness is a lost art in American society…so is kindness
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  7. What burns me? All the fools in my neighborhood decided they needed new roofs after a hurricane, getting checks for spoiled food when there was no need, the game of getting generators and charging some government agency. They bragged about how they milked the system. Meanwhile, these same people rage over social agencies that handle poor folk. Greed is destroying Florida.
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  8. The rent is too damn high!
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  9. I left America for Italy and never looked back.
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  10. Everybody wants you to work part-time so they don't have to pay benef.Its updates.Let me do this for thirty five years
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  11. Michael never add an opening animated channel tralier. I am so tired of channels with 30-45 secs of clips and music before getting to the meat. Good channel
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  12. I lived in CA for 40 years and loved every year I lived there. However, last summer of 2019, we decided to leave and settle in the suburbs of Pensacola. Regardless of other comparisons, the main reason we left is the cost of living. It’s fine when you’re working but when retirement comes, it’s time to leave. Florida is much cheaper to live than CA for sure.
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  13. In Las Vegas, because it is a tourist area, many people want to go to a home, have a party, tear it up. The neighbors get upset. Now they need a permit. Many people gave it up and sold the home. Neighborhoods should stay neighborhoods. Las Vegas Hotel rooms are high on the weekends and special occasions. During the weekdays, not too much.
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  14. Prices of homes in Florida went up 300% in the last 20 years dropping 20% is really not a big deal
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  15. I worked for AETNA Health Care until 2015 that experimted with remote work long before the pandemic. They learned that productivity increased by 80% because workers didn't need to commute or gossip near the water cooler. I believe this reversal is just a way to thin the herd without layoffs and severance.
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  16. What do you call a group of Karens? HOA!
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  17. "Free" money never works. It never has and never will. And it's never "free".
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  18. Everything is great. The 8 people living in the alley behind my house are thriving 🎉🎉
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  19. Instead of offering to help pay mortgages why don’t the sellers lower their price for the home?
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  20. I am so spoiled michael!! The government is letting me work 2 jobs not 1 into my late 50's.i am truly blessed.😁🤔😜
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  21. Thank you for being a voice for the working middle class, Michael. Billionaires don't need our voices. They already have elected government officials they buy to be their voice.
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  22. Best decision I've ever made - buy a car that I can actually afford, with cash, and I haven't had a car payment since 2018. I started with a 2006 Toyota Matrix for about $6500, sold it 3 years later and bought a 2012 Toyota Tacoma with cash. Since then, my savings account has grown, I paid off my student loans, and I can buy products for my business without thinking too much about it.
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  23. Remote workers moved in markets with their higher salaries and out bid the locals.Then landlords and investors raised rent rates and gave long time tenants ultimatums to pay the new rates or move ( non negotiable).I hope greed bankrupt them all!!!
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  24. 77 year old grandma here, enjoying all the information you share. Always interesting. Thankful I’m in a good position because I live on my granddaughters farm and get to collect eggs every day. Have so many,we get to share with our neighbors. We also raise delicious things in our garden and raise our own meat. I pray for our country every day.
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  25. This is not a housing crash. This is an affordability crash. What you could have afforded then, you can’t afford now.
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  26. My old landlord who was a millionaire and still is also a pilot sold off sold off all of his commercial real estate and residential 3 years ago and told me hard times are coming... Coach me into buying 20 acres and a building where I live now. Millionaire's knew this was coming
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  27. The banks/lenders/realtors lie so they can get paid. You're the only one got hooked and responsible for all payments. If you're bankrupt, that's your fault, not theirs. You signed to agree the loan. You need to buy a house with low cost, not low rate.
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  28. I'm 80, looks like your dad is keeping up with you, good for you dad, great to be able to do that! Appreciate your channel!! See you in messed up CA!!!
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  29. As a residential appraiser, I deal with agents all the time. It is mind boggling to me how many agents are completely clueless.
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  30. Crash and Burn, Baby !!!! My kids need a chance to get their first home..... this overpriced mess is insane and wrong for the younger generation !!
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  31. The pain in intentional, so much corruption
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  32. We do our part to support restaurants 😂😂😂😂 It used to be 30-40 bucks for our family of 4 to eat cheapish but now it's a easy 100 bucks.I don't even know how low income people are staying above water these days😢 Hopefully things will improve sooner than later.❤
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  33. Beware of bureaucrats bearing free "gifts". It's called DEPENDENCY. The more dependent people are on the govt the more control they have over every aspect of people's lives. Of course, if you want to be treated like an infant by your govt, you will love it. The ultimate Nanny State "solution".
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  34. What really needs to come down is the price of housing. That’s where the majority of people’s income is going. I can live without fast food but we all need a roof. This economy is horrible.
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  35. Not everyone will agree with me but even if you have the money, paying $50k for a car is crazy and stupid. I buy nothing but beaters, my current car I paid $900 for it 4 years ago. No debt, no payments no worry bout the repo man. Lose your job .......no worries either.
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  36. Robin Williams once said politicians should wear jackets like NASCAR drivers, then we would know who owns them.
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  37. I cannot see how people can afford to live in certain parts of Florida anymore.
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  38. Thank you for having me on the show
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  39. I‘m outraged. Worst administration ever.
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  40. My oldest daughter who bought a house 1.5 years ago. Didn't realize that your house payment can go up. I had to explain taxes are based on home values from the prior year. That even if your home value goes down the county / city supervisors typically just change the taxation values so you pay the same. I told her it never goes down. She said that's shit! I said that's state government
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  41. Not all Gen Z's are this way. I know some who work hard, are staying out of debt, and saving for a house. I know others who are entitled brats. My son is living at home, but he is paying rent and saving for his own house (just waiting for the market to drop, has $85,000 saved so far). He has no debt at all. He also helps out around the house. If a parent is letting their kids mooch as adults, then they are part of the problem. Things are definitely harder now then I had in the past, so I don't mind helping out my kid to get a start in life. It depends on the situation. My son is ticked at some of his friends because they are mooching off their parents. The parents are the ones who are going to pay the consequences for raising such entitled kids. My kid is a big help during these times. We are pulling our resources together, and helping each other out during this insane time. That is what family is supposed to do. People who burned bridges with their families are not going to like going it alone in this economic downturn. Work on your relationships.
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  42. barba cockran is a nutcase. Best time to buy a house was 40 years ago.
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  43. Michael, I have a PhD in economics and teach at a prestigious university. I gotta tell ya, man, I am addicted to your channel. I learn as much from your channel as I do from the current academic literature. Bravo! Please don't stop!
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  44. As a Firefighter i have seen and dealt with so many emergencies at high rise buildings and I always told myself I would never live in one unless I absolutely had to, I just see more risk then reward for me.
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  45. The answer is quite simple... because they can. You put hands on a thief, and you WILL get charged with assault. The problem isn't the law, judges or even the police. It's the D.A. who decides what crimes to prosecute and which crimes to ignore. They hold the power.
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  46. I am no economist, but I currently make the most money I have ever made in my life but feel the poorest I have ever felt in my life. Every is so expensive 😢
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  47. I rented my condo , the owner wanted to sell it so I had to leave but I told him give me an offer , the offer was attractive and I bought the place . I am still there I like it
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  48. Remember, it helps them "buy" the home. They never said theyd help them KEEP it.
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  49. Agree 100% Michael, do NOT borrow against the equity of your home!
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  50. I have a lifelong friend (we are both in our late very 60s) who is both a retired medical malpractice trial attorney and former RN. His heroin-addicted and pregnant daughter showed up at is door, and now he has gone back to nursing for 36 hours a week to support her and her baby while he puts her through nursing school. I talked to him about a month ago and he sounded defeated.
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