Comments by "Wakeup and Sniff the Coffee" (@Wakeupandsniffthecoffee) on "Michael Bordenaro" channel.

  1. Here in Virginia there is a Walgreen across the street from CVS every few miles. They always seem to be on opposite corners.
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  2. Just watched an old timer in the Philippines and he's been happy for awhile. He just did a video on considering leaving. He has been sort of stressed over things getting to him, like dealing with the government to build his wife a home for when he passes on. Things can be frustrating. The conclusion he finally came to was realizing that he was back to getting focused on material things, even if it was mainly for his wife. He realized that collecting and focusing on material foods is a big part of why he was unhappy in the first place and why he left the US. Once he realized what was bothering him and he decided to take his focus off of material goods and that has helped him find that peace he originally moved there for. Point is if you carry the bad stuff with you, it doesn't matter where you live.
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  3. I am retired but helped my 21 year old grandson get through aviation mechanic school and he landed a job. Unfortunately the kind of pay he had hoped for isn't being paid by the small repair shop, it's only $20 an hour. His student loan begins next year and he can't pay his bill, even though he lives with me rent free. He can double his pay by going where the big paying jobs are, but then his expenses will triple. Paying rent in the cities that pay the most is crazy. He's in a field that has demand and pays better than many jobs, but to get on his feet with rent, car insurance, gas, food medical are hard and once his student loan comes up, I just don't know how he can do it.
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  4. Lancaster Pennsylvania over 60% vorer registrations just found to be falsified.
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  5. 17:23 talked to a part time Uber driver and he quit driving for awhile. Many customers need a ride through road tolls and uber claimed they would pay those tolls, not the driver. But he had a bill for a couple hundred dollars from road tolls and the company refused to pay them. He got stuck with that bill and its accessed against the vehicle, so he had to pay it.
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  6. I own my cars and to repair them each year when anything breaks is still cheaper than I fork out for insurance. To buy a new car for $40,000 and pay over $500 a month, and the interest and insurance really piles up. Also, new cars warranty is based on people doing all the required maintenance. One friend took his new car into the required maintenance at the dealership and paid $750 for a basic maintenance and that was in the 90's. Today a regular maintenance done by a shop for $750 is cheap. Plus, I can't work on my own car if it's brand new and so repairing them myself is out. I would rather invest the money into the tools to do the work. While it would be nice to have a new car, they are boring looking now and only old cars have that personality.
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  7. Nobody out in those neighborhoods. I find it similar to here in Virginia. People hide in their homes. Front yards are kept nice, not to use, just to be seen by others.
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  8. So much of our country is suffering from infrastructure taxes and the money collected doesn't get put into the places it needs it. Upper class neighborhoods get all the services and lower class get nothing. Trees in the side of the road is another can of worms. So many love the trees and don't want to see them go, but there should be other trees that don't damage and fit better planted. Many trees were installed without the home owners consent, just part of the original design. Taking down a tree can cost me $6000 here in Virginia. Many neighborhoods don't hardly get sunlight because of the old growth trees that were just too big for that application.
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  9. Being retired from Maui Electric in Hawaii, but living in Virginia now, I can say there is an awful lot more behind this going green than is commonly known. I put solar on my roof here a year and a half ago and I am mostly immune to the rising costs for utility power. This year I expect to finish it off and be 100%. By doing that I can be considered a solar facility. Basically net metering here is kilowatt for kilowatt. If I produce 10 kilowats and use 30, I am only charged for the 20 net difference. As a 100% solar facility, I am going to be able to maintain that, maybe even get paid for over producing. The new laws are trying to change the 1 to 1 ratio to as little as 1 to .5. This means if I produce 10 kilowatts, they only have to credit me for half of it. New solar customers by next year could be faced with the decrease in net credit, unless they set themselves up to produce 100% of their power and be designated a solar facility. I am so happy I did this. I had power bills ranging from $200 to over $400 a month. The money I spend now goes to pay to own my solar system. I have a natural gas powered whole house generator running off the gas companies system. It costs me about $16 a month to excersie it 4 times a month. I have had it kick in automatically during power outages and been one of the few houses with power. Since I have that, I don't have a solar invertor battery system. Without one and without a generator, I would lose power during an outage. A solar system tied to the grid ensures I can use their power for nights and shady days, but I reimburse it on sunny days. Adding batteries is a pretty costly addition and just having the solar meets my needs. I use any and all the power I want, of course I use energy efficient lighting and appliances and also run a pool pump 24/7, but I have no real concerns about my bill going up, especially for most of the year. A good feeling because the utility will have to raise their rates due to the cost of oil and coal, investing into green technology and maintaingna grid. So the ones that only buy electricity will be the ones footing the bill. I sort of feel bad that I am not in need of buying power and that is cost shared among those that do, but these days, you have to do what you can to survive the long term and the economic turmoil we are faced with.
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  10. $1700 a month was only $200 qbove my rent, so I bought in 2017. It's gone up to about $1800 because of escrow for taxes and insurance. Rentals are in the $2500 range in Hampton Roads Virginia.
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  11. I avoided 5 guys when it cost me over $40 for two people. One was a diabetic version with no bun and I'm not into French fries,which they push on everyone. My grandson liked them, but that was my last time there.
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  12. 1:05 frankly I don't see what the attraction is to live in Miami in the first place. Hurricanes, heat humidity, mosquitos, just to name one critter. If you aren't there to party and chase women, what does it have? A warmer winter perhaps?
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  13. Ive windered about doing that, but the kifestyle isnt a big deal for me and now that Trump is taking charge, I have a great feeling about my future.
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  14. My house went up almost $150k in the last few years and I get literally hounded by agents. I am loyal to my agent if I need one. He always checks in to make sure I'm doing good. Beyond the agents, I get every "We buy your house for cash" people. The ones I had are a random text from someone that only says something like how are you doing today? Like I'm going to deal with someone that I have to ask who they are. I'm sure if I answer, then it just opens the door that that is a good number.
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  15. This info needs to be mainstream. I'm sharing it all I can.
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  16. A family member worked for Advanced Auto and had an employee discount and yet they were still more expensive than AutoZone with the discount.
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  17. I bought my first house with zero down. Actually I bought it twice with zero down because of a divorce. My house now I put $20 K down, but only because I got a settlement that made it possible. While I have struggled to save, its never enough to give it all to a purchase like a house.
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  18. I just saw an elderly couple that must be well off, they have three vehicles, one is a mustang and they traded one in for a brand new Bronco. They run $40 k to over $70 k. I have three old cars 2001 PT, 2006 Kia and my Dodge Dakota a 2004 I bought new. I've done all the work and some major stuff like steering racks, suspension, brakes, etc. Despite that a new car would have run me more per year than my repairs. There is no way I would buy a brand new car for the price of building a cottage in my backyard. Plus I wouldn't work on a new car because of the warranty and cost to repair them and their mandatory servicing yearly at a dealership to keep it in warranty is crazy expensive. I can buy an old car, restore it with new parts and still be well under the price of a new car. It can be a hassle to keep a car in the road as daily drivers, but getting them into a dealership can take days or weeks to schedule and complete.
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  19. One of your best videos. Delving into the other topics like immigration and gangs and such is great. You have lots of good info anyways, but this rounds it all out for us.
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  20. My neighbor is in her 70's and was driving long haul trucks from Virginia to California once a week. She broke her arm and had to get rid of her truck and with a mortgage, she is wondering what job she can get to pay her bills. I've seen grocery stores where nearly everyone they employ are elderly people that should be retired, but can't. I am in a fixed income, yet I can't work for any extra money, without losing benefits and I would have to work a lot just to make up that difference before I can make extra money.
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  21. 1:34 those houses are not worth the price and location.
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  22. I enjoy your format in that I can listen with earbuds and go about my chores and errands and not have to watch the screen. Your easily understood information and voice makes that easy to do.
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  23. 21:36 you should have a side logo with a leaf blower. 😆
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  24. An unfortunate part of the way men and women relationships go these days, the chances are high that many people will not have kids and family to help them in their elder years. So many women want to play their younger years away, ignoring the biological factors that will prevent them from having kids later on. Some may have kids, but fail to secure a relationship and the kids are not really tuned into helping their elderly mom. The lack of solid family structures will really impact the way elderly are taken care of.
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  25. Kamala wants to tax people on unrealized returns. Will that apply to an illegal immigrant when they get free money down on an expensive home and haven't even paid on it?
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  26. 6:52 you lower the mortgage and something else takes it's place. Insurance goes up, all your other bills suck up the gaps and you will 3nd up paying more. Its basically a never ending debt.
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  27. 5:33 just took my granddaughter to work at Busch Gardens here in Virginia. She's under 18, but had to get a debit card because the whole park is cashless. If you want to buy anything, it has to be a card. Another thing is their food stands. The cost of a drink, bottled or in a cup is $7.99. The entrance tickets are already pricey, but with food and all the stuff that kids will want when they visit, you can easily spend the money for a small vacation with the family.
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  28. Here in Virginia, there is an amazing amount of RV dealers and they are packed with inventory. I'm retired, single and own a house, or at least the bank owns it. I should be at a stage to travel with an RV. One issue is I also see so many expensive RVs that are built like crap. Even a $400+ k RVs have nightmare stories. On the maintenance, there are few top notch RV service centers and most car garages won't touch them I work on my own cars and setup with tools and such, but RVs require different equipment and bigger, stronger jacks. Dealers and manufacturers point the finger at each other denying they have responsibility. My elderly neighbor bought a used one, went on one or two road trips and his is basically sitting in his driveway due to mechanical issues. Car dealers large and small are also everywhere. There is no way the population of the US could buy all the inventory. Last year and year before models were still on their lots. There is no way all this inventory can be sold these days.
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  29. 11:29 if every employee gave back to the employer 2 or 3 times what they are paid, everyone would prosper. If an employee breaks even or earns more than they produce, that's a recipe for disaster.
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  30. To me the whole Harris/Waltz administration would be like a group of protestors that tear up a city under the guise of fighting for it and as soon as they gain entry, they immediately begin to loot and pilige all the businesses and try to redirect the wealth, mainly into the hands of their cronies. They see the country as a big bank and the guards left them to freely hand out all the money. The whole time saying everyone loves us because we are giving money away. Regardless of who if it belongs to.
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  31. 8:03 the fluctuation in fees, extra maintenance and building out infrastructure, oil prices, paying for people that didn't pay and paying to support the system because of all the people that went over to solar. In Virginia I had bills around $400 a month. A year and a half ago I installed solar on the house and basically I'm only paying for about 3 to 4 months of electricity when solar isn't putting out very well. While this is better, I am adding panels to my garage to hit my total usage for the year. This makes me a designated solar facility. New laws are moving away from crediting solar for electric at a 1 to 1 rate with net metering. The new laws allow the utility to credit solar users for only a portion of power provided. This means that if I generate 1 kilowatt, I get credit for 1 kilowatt. If that changes, I may need to generate 2 kilowatts to get 1 kilowatt. As a designated solar facility, I will stay on the 1 to 1 plan. Also, I may be able to earn money for my unused solar pumped into the system. The new laws could come out next year, so I'm finishing my system now.
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  32. I wonder if people are moving from stocks to gold or precious metals. I don't have any metals and only a few stock that I've been just riding the rollercoaster with.
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  33. Lefties are wanting Kamala to get more free stuff, despite the downfall of our country to give things away.
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  34. 16:15 even up there where you are hiking, there are sirens from fire, police and ambulance vehicles.
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  35. I've said it before. Your camera is so steady. How to you walk and yet hold the camera so still?
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  36. 19:34 many places want to complain about a lack of sidewalks or maintenance if you have one, but in the end they just tax you for your portion? I could install a nice sidewalk in front of my house, but besides being illegal, it would open me to lawsuits and other problems.
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  37. I was listening to some Harris loving politicians talk about Kamala's home building plans and felt sick. He talked about the cost of houses coming down between $300k and $200k to be affordable. What?? The payments on those mortgages is still a major chunk of a person's income. The other thing is the amount of homes bought by big corporations is huge and growing. He said people need to own and not rent, yet under the Biden/Harris term, these corporations wormed their way in to buy up the inventory and they did nothing to curb this. We are where we are because if the last 4 years. No ifs, buts or futs about it.
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  38. DuckAssist BETA Amazon is currently moving more freight than FedEx. In 2022, Amazon handled 4.8 billion deliveries, surpassing FedEx, which delivered 3.05 billion packages in its last fiscal year.
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  39. I never buy gift cards or load money on an account like Starbucks. I will just pay for it and let the money earn me interest, instead of the gift card companies.
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  40. 17:21 employers offer to loan money against the employees pay reminds me of indentured servitude. They become more of a slave when they owe their employer money. Bad idea to me.
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  41. I can see walking different neighborhoods could be addicting excersize.
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  42. I did a bunch of money rearranging. I refinanced at a point to get just over 3% interest, lower my payments and take some extra to pay off loans for home improvements I already did, but was paying a higher interest rate. Now I just got a notice that my escrow, that pays the insurance is running short and my payment have been hiked a couple times. So what was a great monthly payment is slowly escalating due to insurance going up and I've never had a claim on my homeowners insurance. These days our finances take constant attention and fine tuning.
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  43. 1:03 I for one will stop eating avocados if it helps the US.
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  44. Typical California country lands. I like the green in Virginia myself. My boy works in San Jose, but lives outside in Morgan Hill. What a crap drive to do 10 times a week. I know it's nicer living out there and not as expensive, but houses still top $1 million. When I visit, it's nice to hike in the hills, but everything else about living there sucks. Luckily he is young with a nice family and his wife's family is there, so for them it's okay. If I left my house in Virginia, it wouldn't be to live in that state.
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  45. Here in Virginia the workers at Portsmouth are walking the line. Biden won't stop it because he is catering to the union for votes. The effects will compound daily and the time to recover will add weeks for everyday they are out. Ships sitting at sea can't do it for long. Going to the west coast can make the goods prohibitively expenses. That isn't even taking into account that all our exports are stuck at the docks and truckers being idled. Maybe a boom for long haul truckers, but not much.
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  46. You mentioned Shake Shack in a video and I never heard of them. Then one opened here in Virginia. Today I tried them. The burger was pretty good and the vanilla shake was tasty. At basically $7 for a small burger and $6 for a plain vanilla shake, I won't be eating there often,but it was a bit of a treat to try them. They built right next to a McDonald's, which had a long drive thru of people. I figured McDonald's would cost about the same anyways. Shake Shack's food is better though.
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  47. There should be a program that analyzes a person's ability to keep and maintain a home and factor in future plans? Most everything from buying a car to get to work and having kids and raising a family, they will impact the person's future economic status and ability to keep and maintain a home. It's one thing to qualify to get free money, but can they qualify in the long term to keep and pay for that home?
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  48. 19:08 I appreciate your videos. I have learned a treasure trove of information over the last year or so.
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  49. Your thumbnail doesn't do justice to your lovely wife. I know she's attractive, but maybe a different thumbnail.
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  50. I sent this video to my realtor here in Hampton Roads. I bought my house with him in 2017. I recommended him talking to you about your service for agents.
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  51. Here in Virginia, the properties are full of trees. I have 1.6 acres and dozens of trees, alot a big pines that tend to rot and drop branches. I am on fixed income and retired and cant afford thousands of dollars to trim or take out a tree. Im just one of orobably thousands around here. Owning a house is great, but maintaining a oroperty is very expensive too.
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  52. I get most anything I want from Amazon and Ebay and am surprised that they even carry certain products. Most anything comes within a few days, but more often the second day.
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  53. 18:38 the idea of spare rooms and renting to young people is great. But I have four spare rooms, one occupied by my 21 yesr old grandson that is between jobs and living off me and I can't even get him to do things around the property to help me. He gets all gung ho after a big blow up and then goes back to laying on the couch all day and up all night. I would love to rent a few rooms out to people that take it serious and actually follow through with the agreements.
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  54. What do you think about having a company come in and decorate with everything and furniture? I'm guessing that runs quite a bit, but I don't know if it's a fixed cost or tied to the amount of the sale.
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  55. 9:00 you just can't get away from the power equipment. Lol😊
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  56. Just saw a 2 english muffin breakfast sandwich at 2 for $3. I havent been to a fast food place since paying $20 to $30 for just a basic meal.
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  57.  @Johnnie-d9b  my last meal was so expensive that I haven't gone again. I wasn't complaining about 2 for $3, just commenting that many of the fast food joints are jumping on the cheaper food wagon.
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  58. I just used my AARP and switched my phone and one other one to Consumer cellular to save money. I was on Mint and of course they spent 10 minutes grilling me and trying to offer a better deal to keep me. One thing I advise people to do with phone services is to periodically call in and talk about leaving. When people do or question their high cost of service, the providers seem come up with some amazing deals, usually a temporary one, to keep you as a customer. Back when I was with Verizon over 20 years, I would call in every so often and they always found some way to lower my bill. Even if it was a temporary 3 month or 6 month deal, but I saved money and these companies don't actively try to lower customers bills or to just let them know they have a cheaper alternative. Just another example of how being on a fixed income leaves me with no ways to pay more and I have to look for any amount of savings to whittle down my expenses.
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  59. The left is fact checking and crying out that this isn't happening. I have more faith in you and other on the ground people that have YouTube channels and are bringing these stories out, than any main stream media. I find that on Facebook, many people only see Facebook or mainstream media and they deny these stories and just say it's all disinformation. I watch many different news outlets, YouTube, rumble, locals, etc and watch mainstream media and can see the obvious lies the left uses to make anything into disinformation that they don't want to accept.
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  60. Back when I lived in Hawaii, I was oart of a financial group that helped other learn what you are saying 18:52 . Oaying off cards and debt in a selective way promotes the good feeling that you are getting somewhere. If you want a good credit score it goes counter intuitive to this. You accept more credit cards, not to soend more, but to sprrad your usage among them. Keeping you credit card usage below 30% goes a long ways to building credit. I went in disability and eventually had to go through a foreclosure and bankruptcy. I expected to be credit black kisted for the rest if my financial life. Instead I took small soecific loans using credit cards from olaces like tire shops. I then oroceeded to oay it down to under the 30% point and opened another card. The same thing. Not with the untention of running up debt, I jeep it at a manageable kevel, but multiple cards had a positive affect on my credit score. I did that for three years and by the fourth year, I bought a home for what renting ine would cost a month. Seven years kater, my home is nearly double the value if what I paid. I then used that credit to lower my mortgage interest and pay off loans I took to make repairs. I dont hild much hop, but am hoping the next interest rate drop, I will further consolidate my debts. At 67, I dont expect to be around to the end of the mortgage, so how much I have monthly is my main focus. But, staying in this path, if I do ever sell my place, I will be debt free and money in the bank. My oroblem is I tend to buy houses I like, not to flip. So its very hard to let it go and cash out. Inwould rather buy a send home in another location and split my time by renting one out at a time. Not that I want to be a landlord either.
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  61. ​ @omnipi The handouts came when Biden took office, Trump didn't hand out money, if anything he managed to keep money in the country. Biden not only handed out money to people in our country, basically buying them off as potential voters, but he has and is handing out millions and billions of dollars to countries at our expense.
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  62. 9-5 jobs 5 days a week was a tremendous gain for people when it happened. Prior to that 10 or 12 hour jobs 7 days a week we're the normal. I did 10 hours on four days a week with three days off, which was great. It also opens it up for another side job for those that really want to get ahead. The push behind feminism wasn't to free up women and their rights, it was to scoop them up into the workforce so companies can make more money and pay less due to the abundance of employees. Fast forward to today and women are crying about working, they want a traditional life home with kids. They got what they wanted and now can't handle it. The cost of living further locks people into needing multiple sources to get by. Men have always been willing to work hard and long to support their families. Men have been willing to fight wars to ensure our way of life. Snap shot of today, it's them men doing the work, the hard work,the dirty work and the women are crying about their desk job.
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  63. So you had to eat all the listing costs for your client that didn't sell or want to listen to you?
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  64. A little off topic, but it will affect homeowners and new homeowners if solar is involved. In Virginia Dominion Energy and Appalachian electric are putting a new law in place come January 2025. It will change the net metering rate from 1-1 to 1-.3. Right now, every kilowatt of power I create with solar will offset my useage on a one to one ratio. The new law will mean I have to produce over three kilowatts of power to get one kilowatt of power from the utilities. This is already in affect in other states with California and Hawaii already having adopted similar laws. To get locked into the one to one net metering, a home has to have enough solar to meet 100% of their needs. Then they can be credited on a one to one basis. They are designated a solar facility. I will meet that before January 2025 when it kicks in here, but only because my solar rep spent the time to alert and explain this to me. Others here may be too late, but if the solar is under contract, they can make it. That means the solar I bought to get away from paying the utility, would drop way down in value and if I sold the house under that, the new homeowner would be assumming an expensive system with a longer pay back AND still pay the rising cost of electric. This whole change is being done on the lowdown. I priced my cellular to make the payments towards ownership, offset the money I give to the utility.
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  65. 9:05 I'm at Sam's club and a huge helicopter came over. I see jets and helicopters practicing constantly. It makes me proud to see what we have and I am proud of all the young men and women flying them. Newport News, is surrounded by shipyards and lots of military. My house price is still rising here.
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  66. I have a small dog. His food is about $240 a year. In the past two years, one emergency visit and the regular 6 month checks and flea and tick meds has run me close to $2000 and I am still paying off the pet care credit card I got. Luckily it gives me 12 months and no interest to pay it off. The last visit it was recommended that since my dog is older to pay about $250 to get a complete analysis of him chemically to create a benchmark to compare to the future visit. I have chickens, ducks, geese and turkeys. No vet bills, but the food is close to $1200 or more a year. I get eggs, but they are pets. This doesn't count the thousands of dollars that go for coops, pens, ponds, to name a few. My pet rabbit and guinea pig were left by my grandkids. Recently the rabbit hurt it's back and it was a $250 visit for her. Animals without insurance is almost more than my human health costs. I could eliminate them, but it's part of what I enjoy each day in retirement.
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  67. She is whining about it on Tiktok, just to make money.
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  68. 5:04 You seem to keep yourself framed pretty well with your selfie stick, limp or hurt toe or not.
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  69.  @mysterybuyer3738  with the rest of the homeless.
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  70.  @JBoy340a  unfortunately the jobs within an hour are not opening up for his beginner level. The job he took is almost an hour away already. Gas is rough. The jobs that would best suit him and help him come up to speed are more like 3 to 4 hours away minimum. There is a lot of hope around here, if a position opens up. His school but got out and into a major airlines and is banking the big bucks and being sent, expenses paid to work in other states for awhile at a time. With flight credits, it's not bad, at least he can fly home. For now I'm just hoping and praying that the job with his buddy will open soon. It's hard for him to think he needs to work a second job or different job after getting is Airframe and power plant certificate A&P from the FAA. Realistically people with that should be able to bank $100k a year.
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  71. 12:41 I just listened to an analysis of what the interest drops mean and it will drop interest for savings, but credit cards and mortgages won't go down. Mortgages have already gone down some in response to low sales. Bottom line, don't count on lower interest rates to make mortgages more affordable or credit cards.
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  72. By the way, I listen with my earbuds while working in the yard and every time you have a car, airplane, power tool, etc make noise, it has me looking around, thinking it's close to me. 😆
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  73. I never heard of Aldi's until two came to town in Virginia. I just thought they were some mideastern store chain. I like the extra stuff they carry on occasion.
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  74. I have a large two floor house, lots of bedrooms and bathrooms and on 1.6 acres with animals and plenty of room. I've thought that rather than selling or renting it, maybe do an Air BNB thing. The ads make it sound like easy money and it is easy to do it right. When I see a video like this and really think about it, it is a lot of work and no way to maintain it properly to be a 5 star type place. I already have trouble getting good and reliable help to fix things around it just for me, but it would take a better crew than I have found to keep it clean, stocked and maintained. Then at the end of the day, I could see it costing me more money than I can make off of it. So I did a big thumbs down to that idea. Your video just reinforces that for me.
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  75. 3:06 I just switched out my 3 cars from Allstate before the premiums almost doubled. They wanted to drop me, but then came back with a quote on behalf of the local agent pushing them. They also have my home insurance which is about $1900. It's good until next year, but I did some shopping and here in Virginia, the lowest quote was close to $3600. They say it's because of hurricane season that it's the best they can do. I have no claims, I am in a great location as far as most natural disasters, so it's not a big worry. After hearing this, I'm wondering if an insurance company has to provide their new rates to the customer before the one in place expires and if so, how long before expiration? The problem is not knowing what it might go up to and being faced with rushing to get insurance in place when the last year policy expires. They have a home owner over a barrel when they have a timeline that they have to get new insurance. I'm retired and on a fixed income. Not that the insurance company cares.
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  76. I'm in Virginia and happy with my place. I got priced out of a lifetime on Maui in Hawaii. My son works in San Jose and I looked at the possibility of moving by him, but California has become such a shit state, expensive and trailer parks close to him that seem nice, according to him are full of druggies. He's a cop, so he pretty much knows.
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  77. 7:02 if buy now pay later is included in your running debt level and considered for loans, then the automatic payment on time with buy now and pay later should reflect in a credit score as on time payments. I use the various systems to spread out my debt, but they are all setup to automatically be paid on time. 9:32 exactly. Make those payments give you credit. For me the buy now pay later with no interest is a way to keep my money longer in my wallet. If it is a program that charges interest and usually extends out to one year, then no. I won't use it and pay Interest.
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  78. 14:25 Michael, I keep seeing people posting large numbers of houses for sale in the DC area. They attribute it to the rats leaving and people being laid off. Do you have any info about this and whether it might be an unusual amount? 16:13 I just heard a response while writing this comment.
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  79. I'm retired from Hawaiian Electric on Maui. Back when solar was taking off, people got upset if they couldn't get authorized to have a system. What no one understood was that the grid was built out based on the development done in the 60's. So if a subdivision had 100 homes, the grid was designed to accommodate probably 125 homes. But as speculation and development came in and housing went nuts, many homes added to the house and built cottages in the backyard. So before solar came in, the grid was being stressed by all the unplanned and yet permitted, even unpermitted additions. So with solar, the transformers and lines feeding those places need to be redesigned and upgraded. But to do that the pic has to approve the extra expenses the utilities had and needed to get back from the sales. Plus, solar is great when the sun provides the power, but that isn't all day or even everyday. The utilities were obligated to provide power during all those times. The power plants designed to provide enough power to feed everyone, had to have not only enough, but more than they needed. That means that when people needed power that wasn't provided by the sun, they expected to still have power. The power plants had to have what's called a spinning reserve in order to instantly provide power. All the power plants were running, even if the grid didn't need it. It can take hours to start up a powerplant. So they can't just shut them down and turn them back on when needed. This means they ran and used fuel 24/7 in case power was needed. Then there is the infrastructure which is primarily lines on poles. These had to withstand storms and hurricanes, but unless a lot of money was spent to upgrade from wood poles, it wasn't likely they could. Again, those fixes like everything would be reflected in already high priced electricity. The Lahaina fire that is blamed on a spark from the lines could not be upgraded enough, without going underground and that would be so costly, no one would stand for it. Everyone wants to see electric cars, windmills and solar everywhere, but no one wants to foot the huge bill it would take. You can't have all that and a bullet proof system, without investing huge amounts and definitely can't expect to have cheap electricity. Based on what we have today, if the whole system was redesigned and the old system eliminated, then maybe it would all work, but hundreds of years of power generation and infrastructure would have to be eliminated.
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  80. Running off of tariffs will require the rest of Trump's plan to take place. The government is bloated, so lowering the cost of government and tariffs will work better. Eliminate or streamline or just get control of the spending in all the different areas of government and tariffs can work. Getting Trump's cabinet picks approved and working with them to slimline the government is crucial. And Angelo tariffs work. Unfortunately, many anti-Trumpers will do what they can to make him fail, regardless of if they are hurting the country and even themselves. All the left liberals that cry about the world and what's taking place should be the first to back bringing manufacturing under our control, so our ability to deal with the waste and the negatives of manufacturing can be implemented. Yes, things cost more to do it right, but you have to choose. Cheap products that harm the people and environment or pay more for cleaner and healthier manufacturing. The greenies should be all over helping us clean up the world of manufacturing.
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  81. The guy that prophecized the shooting of Trump went on to talk about some dire times for 4 years and Trump piecing things back together.
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  82. 20:36 what kills me with families they will cry about money they have to contribute and make it seem like the person is just making money off them, despite they are paying all the interests and so many things tied to a home. Then when they are pressured into paying some towards the household expenses, they get mad and move out and end up paying three or four times more for rent and utilities. Why they think giving money to some rental corporation and paying all their utilities is better than helping a parent pay down the debt that accumulated from having them in the first place.
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  83. Can you imagine if the banks were hacked and we all had no access to our money. That is scary stuff, especially now that they moved us to almost completely digital.
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  84. Hurricane Milton, which was bad, but not as bad as they expected is getting the attention after, yet people in North Carolina have spent a week with no help, except from locals The attention shifts to the immediate and Hurricane Helena victims are already sliding under the rug. A military Colonel said it's the beginning of the fiscal budget and that the government needs to act and mobilize military personnel and assets and figure out the paperwork later.
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  85. 11:38 the hard part of financially surviving and having a credit card to earn cash back or rewards, is if there is a hiccup, even if you normally pay off your cards, but suddenly you have less money or extra bills, is that you want to get past this hiccup by using the card to pay bills that have to be paid. Many don't anticipate it being a prolonged situation. In the past before credit cards, stores might carry credit for people. Also, if it was serious, people tried to get a load from a bank or god forbid a loan shark. All while hoping you will get back on your feet and pay off the loans, but interest costs make that an impossibility.
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  86. Mine.
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  87. 1:50 I had to spend $45,000 to replace my whole HVAC system which consists of two systems and a complete deducting. I had an injury due to pay out about the time my payments began. It was a wash. All the extra income I was waiting for, now goes to the HVAC payments. I could maybe have limped along without it, but the house value is going up and I want the home to bring a good price if I chose to sell. I don't want to live in a home that falls apart yearly. I added a second set of solar panels to balance out my energy bills by reducing what I pay the utilities and while it is a great system, especially about 6 months a year, it added two more payments and hasn't dropped the utility payments as much as I was shooting for. When I first bought the house, it needed gutters and all the trim. Then I had to replace part of the roof they didn't replace prior and it was too high for me to see until I had to have a leak around a bathroom fan dealt with and got the news it needed to be reshingled. I've owned the house 8 years and have had to put in about $100,000.
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  88. Prices are up here in Virginia and my tax assessment preview came and it's gone up for sure because everyone is selling at high prices. Then while writing this, I opened a credit card statement and it's a notice saying their APR is up over 34%.
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  89. I would love to see some links to official sites about some of the stuff you talk about. Not really because I doubt you, but so I can share the info without fearing it's unsubstantiated. California and Oregon loans for illegals is one I want to share, but people think you have no backup and question my sharing your videos.
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  90. 19:07 here in thhe car dealerships in Virginia, withing 50 miles of me and many within 20 miles have tons of inventory. Multiple that by the nations supply of cars that are brand new, of which many are a year or two ago that never sold. It is beyond me how anyone can afford new cars and the required service to stay in warranty. The country must have enough inventory to supply the country for a year or two, maybe longer. People may not get as many choices for their cars, but there used to be no real choices. If they want those choices then they will pay extra to have them. Beyond that, Buy American Cars.
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  91. 10:03 we are paying for the money printed for COVID. I'm sure that was a windfall for the corruption that knows how to skim federal programs. At some point this year will be the next phase for DOGE to pass it off to the judicial system. They have shown corruption and mismanagement. The judicial system needs to track that money down. And begin to prosecute the thieves. The left continues to ignore this and go after Trump. Most likely they will be found connected to it all. Hang in there America. We did 4 years of mismanagement, so while it may not seem fast, in the long rumour children and grandchildren will be thankful.
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  92. If you shaved and made a gotee beard, your hair and beard would make you look like the gas monkey star. 😆
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  93. I love my old 1.6 acre property in Newport News Virginia with no HOA. I'm surrounded by subdivisions and people that don't like it, but are stuck with it.
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  94. You are so well versed in all this and it makes me wonder how your day goes. There has to be a lot of reading, watching and listening to get a grasp on all this. I give your wife credit, she has to be listening to these sorts of discussions all day long.
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  95. You should do a video with Sam Sansalone in the Hampton Roads area of Virginia. You both have great info. I realize your iff to the west coast now. Just a suggestion.
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  96. 12:01 good reason to stop using that card. I use the pay in four or up to six months with no interest and when possible, I put it on my card. That way I don't worry about whether the money is there for the payment. I can focus on just paying down my credit card, not to mention that they are smaller interest free charges being added to my card. Of course like all these programs, you need to be wise and not over spend and have to pay credit card interest.
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  97. Just watched that lady on a few YouTube channels. I'm in the Virginia Beach area and am surprised at all the super expensive cars driving around everywhere. I see almost brand new corvettes up and down the road. Ladies with kids driving Mercedes. I know there are high paying jobs around and a lot of military guys that buy all the Dodge Chargers and such, but I am also starting to see a lot of them showing up as used cars. People want the status, not practically of a vehicle and then end up underwater on car loans. It's not exactly cheap to live here and to pay out such a big chunk of income into a depreciating asset like a car, really makes no sense to me. I drive a 2004 Dodge Dakota truck I bought new in 2004, a 2006 Kia Sportage I paid $500 on and have done all my own work, but tires, gas registration and especially insurance are the extras tied to a vehicle that people just don't take into account. That lady was almost bragging about her debt in that video is an example of people, especially women so caught up in the Tiktok thing and whatever attention they garner from it, even if it's negative attention, it's still attention. To me there is so much marketing hypnosis going into poorly educated in finance type people that just want it all today and don't really think about when they are busting their butts later just to keep up with the debt.
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  98. I went to Bob's in Virginia Beach online and the furniture is still priced high and no info on them closing.
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  99. $20+ meals at a fast food joint is just too far out of my price budget.
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  100. My solar panels didn't cost much, considering the drop in electric. I'm here in Virginia. I am completing the system to be a solar facility that generates all my electric. Its a matter of ending up with a fixed cost while paying the panels off and eventually I will own them, versus an ever rising electric bill. The utility is forced to spend money to improve and move to wind and solar, along with the cost of fuel and just keeping the infrastructure working as it grows out more. That money comes from the users of electricity. If you stay on just electric from the utility, you will be forced to pay for all the improvements and to make up for the people that left to solar. As far as home insurance, I haven't had an issue. Regardless of solar or not, as you jnow well the insurance is climbing and doubling. It also has added to my home value.
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  101. I had money in my America express savings and it went up over 4% interest. I was happy and then my credit karma savings was over 5% interest. I just rolled the money there. Getting 5% on money that just sits is great. I just hope taxes don't erode that income.
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  102. I've thought about moving to different towns for a month at a time to just travel and experience the country. A video on the Air BNB would be good.
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  103. 21:36 they may have to slide a chunk of money to the condo owner holdouts to get 100%. It seems like they could buy out a few hold outs to get the condo.
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  104. 17:50 are all those houseboats a sign of how rich people are there? Or, is it a sign of how bad housing is or that the cost of a houseboat is cheaper than a house or apartment? Or, all of the above?
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  105. 7:57 all the talk from the left leaning side is aimed at the cost of goods going up with the new tariffs being launched today . I believe that Trump is using tariffs to not just make more money for the country, but to better align the trade differences between countries. While it might drive up prices in the short term, the long term effect may very well drive them back down. Same thing with the lay-offs. Cleaning up and shaking out the dirt and cobwebs and sure people may be unemployed, but they will find new jobs suited for their abilities and not just as a DEI employee. Get us back to a country where all of the best of the best run things.
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  106. What I've heard is the gangs or new gang wanna be, come up from the south and take control of apartment buildings by terrorizing the immigrants that don't understand the laws or how to get protection. Also, the system can't keep American citizens safe from crime, so the immigrants can easily be controlled by gangs, who will exhort the money the immigrants received from the government. For those immigrants, they probably see no way to fight this and fear for their lives, so giving their free money away is better than the alternatives.
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  107. 2:45 so many government jobs were part of Biden giving government jobs to people to get them employed, not because we needed them. Another big chunk of government hiring was due to DEI to supposedly equal out the workforce. Not necessarily because they needed them and they weren't the best candidate when you go on merit. It was part of a huge money making scam to create and implement the whole DEI policy.
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  108. 13:30 dropped .5% on rates.
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  109. It would be nice if "they" can be defined. We have gotten so used to hearing that they want this and they want that. Who are they? I realize it's probably the people that gain the most, but so many things that "they" seem to be doing, does the least good to everyone, except a few. Regardless of how drastic things can get, there is always a loser and a winner from it all.
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  110. I was watching a guy do a 3 day drive through West Virginia and I followed it on my Google maps and Zillow. Some of these cute, historic type towns had homes that didn't seem all that bad. 3 and 4 bedrooms 2 bath and I found a few under $60k. It's not the whole town though. There were places like this, but some over $1 million. Granted if you can't live there because of work or are addicted to city life, these may not be the place for you. Remote workers or retirees could definitely do well there and still be fairly close to bigger towns.
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  111. 9:57 digital price tags remind me of when stocks were changing so fast in the tech days. People sat all day buying and selling. These stores will have people watching all the parameters, like heat, cold, storms, etc. They wil manipulate the prices down to draw them in and bump it by a few cents so no one is the wiser and in no time, all those extra cents and dollars make the company really big bucks.
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  112. 24:16 the two of you are more the exception these days. Having a wife and family that has held together through thick and thin, richer and poorer is rare. So many people get divorced and the family structure decays and divorce rules the heart out of men that built it up, only to have it taken and the wife run off with some guys trying to monkey branch to better lives. Men do it, but 80% of the women start the divorce, so men don't want to marry anymore. The men might recover and rebuild, but it's a major setback to the country as families fall apart.
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  113. 16:30 CNN is doomed. We all know why too. I am so glad that they and their messages are sinking in the media quicksand.
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  114. I can personally attest to most of these. I can write an article about how they didn't work out.
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  115. 19:58 it seems it's about making the money at the transaction, versus the long term profit. The loans will be sold off and probably people will default, but all the people and services that are involved with the transaction still go on making money.
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  116. Are you on a green screen? 😊 Your editing for voice and video is crazy. You seem to be talking through the video seamlessly, yet the background switches all over the place. What do you use to edit these videos? I'm always fascinated by how so many YouTubers edit their videos.
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  117. What about credit karma, Amex and PayPal savings?
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  118. 12:10 what about all the people filming with their phones, especially the Tiktoks and such. What a stupid policy. Just trying to control what the public knows about them.
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  119. 5:07 fixed income and grandkids in California and Australia I barely know and are getting older and I can't afford to travel. I cant afford a weekend road trip with me and my dog. Back in the late 80's my wife and I took our three kids from Maui, where they were all born, to Disneyland in California and probably spent many years to pay it off. We couldnt afford to just ravel off the island to another island throughout my kids growing up.
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  120. One more thing about Maui and it's power history. All the power for little towns and villages came from the sugar mills that provided excess power. So power was available when the mill ran. When it didn't there was no power. Because the mills were in different parts of the island, they all had different scheduled and thus power was available at different times. Also, places like Hana, Maui and Lahaina and Wailuku had different sunset times because of the mountains. People sort of ran the time based on the sunrise and sunset and the electricity followed that. That is where the term "Maui Time" came from. There were different time zones on different parts of the island.
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  121. 15:50 Hacienda got $700 k for the program. Does that go to buying the house or just handed out as $30 k down payments? With the price of houses, that's barely 2 home if lucky. I wonder how much Hacienda gets for making it available? Whenever these programs come out, I don't look at the target, I wonder about all the people that make it get money, besides the target recipient.
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  122. My question for you is if you rent in Miami, how can you afford to keep it when you are leaving for months? Im assuming you arent sub renting it.
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  123. 14:45 not to mention crazy interest rates in those unpaid balances. It's like swimming upstream.
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  124. Bring solutions not problems people.
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  125. The condo owners and board should be liable for upgrades and extra fees. Ultimately they failed to collect and perform. The old owners probably paid what they owed, for as long as they could and these owners and management companies enjoyed the funds, but failed to put them to use it be honest to the owners about the situation and how much they need to do the repairs and provide detailed reason and where that money is going. Mismanagement is a main source with companies and government, but they get off Scott free.
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  126. Not to mention that a mobile home is really not that mobile. Its expensive to move your home, especially if you find a cheap lot, but they also then raise the lot rents. The price of those lots is similar to renting a home in many places.
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  127. My home insurance is about $1800 a year and I did an estimate from other companies and being hurricane season, my house would double to about $3600 a year. I suspect my insurance will go up next year.
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  128. How do you keep yourself framed so well as you are walking?
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  129. It seems like between mortgages and special assessments being added to the payments and no way of knowing if another is on the horizon, the cost can exceed income pretty quickly.
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  130. I've considered the Amazing ones, I just don't know what all the other costs involve. Legally I can have 4 or 5 homes on my property. Considering my family could pay for this versus giving it to some landlord that doesn't give a shit about maintenance. Why not put that money into the family?
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  131. People definitely are market washed into believing that they have to have a nice house and new cars every few years. And they still want to live the daily high maintenance lifestyle.
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  132. 26:28 after walking away from a mortgage in Hawaii and my first house, disability, foreclosure and bankruptcy, I never intended to have a house again about 4 years later and a settlement, I walked into a great place in Virginia. It's gone up over $150k in equity. When I went for a mortgage and solar for the house and an brand new HVAC system, I mainly look at the monthly costs. If I can afford it monthly, then that's fine. How much I pay in total doesn't mean much because I won't outlive the debts anyways. So if I can get the place and pay for needed repairs and still have money at the end of the month that works for me. Of course having enough for savings is rough, but I'm slowly trying to have 6 months worth as a target. My whole world evolves around what it costs me monthly, not at the end, like I said I won't be here or probably not in my house if I am. I wish things were better and maybe they might, but just a notch over surviving is acceptable. I wish I was thriving and had the money to travel and such, but that's not in the budget.
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  133. I doubt foods and household goods will pull back much, just settle into a new high. It will be mostly the hype around the drop, more than the drop.
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  134. Put the vacations or gift giving off for a year or two. Save the money monthly and put it in an interest bearing account, then spend money you have and no debt.
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  135. 8:38 there are some crazy boat collections in that marina.
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  136. Back in the day those businesses made profits and could afford to pay the mall base rent and a piece of their earnings. Plus, businesses were waiting for a chance to move in. One thing I see here in Hampton Roads area of Virginia, is so many malls of various sizes had been built over the past few decades. Now the big ones are shutting down. The land is being sold off and they are being demolished. The small ones have maybe some social services and churches, just to keep people in them. Couple that with all the individual stores that are vacant around the towns. Mom and pop shops were driven out and now we have food and shopping deserts where people need to go out of their area to get anything.
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  137. I've lived in Virginia and have owned a home since 2017. I see estate sales constantly. The long time residents are passing away on a regular basis. Many have himes going back many years and generations, but the kids and family have their own and look to just sell the homes and properties off. Especially as the values sky rocket. While many older homes need to be renovated, a lot if them have some acreage and the developers are attracted to these to subdivide or build apartment complexes. I bought 1.6 acres that is surrounded by very small homes and have HOA's. My property has no HOA and could be subdivided into 5 to 6 properties, oart if what attracted me, although I live the oroperty as a small farm and 10 minutes from anything I could need. It's like living in the country, but in the middle if a city. Just the way the property is now adds a lot to the value and its going up all the time.
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  138. My grandson just turned 21 and lives with me. But straight out of high school he went to aircraft mechanic school for two years, graduated with his FAA A&P certificate (Airframe and Power Plant) and can now go on to earn 6 figures in any of various industries requiring this. He is starting off at a small local airport to work on planes and acquire experience, while paying down debts, like his government loans and then he can pretty much pick a big company most anywhere in the world. Being just 21 and no girlfriend or wife, which I hope he maintains, he can really set his life up nicely and maybe when he hits his forties, he can select a nice young attractive woman with a low body count to settle down and have his own kids with, not raise some other guys kids. The crazy thing about this is hearing from you on another video about California raising its minimum wages for fast food to $20/hr. While my grandson could relocate and make $35-$40 an hour starting in the big metro airports or factories, to stay here in Virginia he has to start off at $20. So with his training and certifications, he is still making as much as a California fast food worker. Fast food is already crazy expensive, I can imagine how expensive it will be after these pay increases.
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  139. I have a truck I bought in 2004 and it had a 12 year warranty on major parts, which was good because a few did go out. Beyond that I've kept it running with shops, maybe $10 k + to have them do the work, but I caught them trying to do work that didn't need to be done. So I do all my own work, thanks to YouTube repair videos. I bought a 2001 PT Cruiser and do all my own work. Still have it. I also bought a 2006 Kia Sportage for $500 and do all my own work. The PT and Kia have about 240k miles. The truck is barely over 100k because I've used it and don't drive that much. I can't afford a monthly payment that is three times or more what I spend to repair mine. New cars can have a good warranty, but most require that you keep the servicing up on it. The dealership can run up a $700 bill easily to do the service per visit and that's on top of the bank payments. Plus, I just want to take care of my cars and understand how they run. The new cars are less and less serviceable and require change parts for almost everything on them. On top of that, The older cars are running into many OEM parts not being available anymore, so you have to use a scrap yard or hope there is one from another country. My grandson just got a 1997 Corvette for cheap and parts like the back glass are not to be found. I did locate a scrapyard part. The car has over 330k miles too, but the engine is a reworked engine and it's a project car. I'm 67 and retired and have no plan to ever buy a new car.
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  140. 2:27 the big lot spokesman has a long way to say that people are broke and not buying the crap that big lots sell.
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  141. It's 3 days later now and Trump delayed the tariffs for all but China. The stock market shot back up. If we put money in 3 days ago when you recorded this, we would have almost instantly gained on our stocks
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  142. Bought here in Virginia 2017. Value went up over $100k. Thought about cashing in, but I love the little farm I have and there isn't really anyplace to move near kids and family, Hawaii, California and Australia, that isn't crazy expensive or just crazy. Maybe renting out partial and retaining the area I actually use. Then travel and keep it as a base.
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  143. 8:38 KFC a bucket and a famous bowl here in Virginia was over $50, close to $60. Took my grandkids to Busch gardens. Man O man is that expensive. $32 parking We had free passes from a worker. So I didn't expect to spend much. Just some trinkets and food for me and an 8 year old ran up to $100+. On top of that, they don't give out togo boxes or doggie bags and we were pretty much forced to throw away 75% of our meal, I wasn't going to carry it around on a plate or two. Of course they are a theme park and known for high prices, but so many of the things being peddled could cost under $1 to produce, maybe even less and they can charge $10 to $30 for an item. While it seems like a real luxury today, I was surprised at how many families were there and do go daily.
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  144. I feel kike the Hampton Roads area of Virginia is sort of a weather sweet spot. I cant imaging moving to Florida or other southern states that get hurricanes and crazy heat. Nor can I see going any further north and have more severe summers and winters. I spent most of my 67 year in Hawaii and I feel like Virginia is an ideal spot.
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  145. 5:03 she also said she bought a Honda cash to save money on gas. Huh😮?
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  146. Although it would add to the costs, I wonder about an escrow type company between the mover and client to ensure they don't get paid until the contract is completed and help protect the people using the movers by reviewing the clauses. Plus the movers would be ensured that the money to pay them is there.
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  147. Locally lowes has only self checkout.
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  148. 17:13 $47k is crazy! If I had to come up with that I would have to say good buy to my property. As retired fixed income person, I would be hard pressed to even be able to use any to .are money on. I just don't have that kind of money laying around. If Trump abolished taxes on social security, maybe I could save something, but not that much. But then again, the average person doesn't own a condo in Florida. That's for the well to do.
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  149. Insurance offers another level to pay the full amount to replace it, but it's crazy expensive and unless you are a bad driver, it may never pay off.
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  150. My situation is I have a nice 1.6 acre property with a two story house, two car garage and a barn. I bought it in 2017 and it's worth nearly $150k more than I paid. I am retired and 67, single with just a grandson living with me here in Virginia. I thought about taking the money and just renting afterwards or mostly traveling. The problem is I have animals, gardens and enjoy this place. Buying a place that's better than most places I could move to makes it hard to sell. The house has an inlaw section that is big enough for me. I thought I could rent the rest of the house and have a base to come back to. My family is scattered between Hawaii, California, Virginia and Australia. Traveling is expensive and a pain. I don't care for California and Australia. Too expensive and too far. I spent most of my life in Hawaii, been there and done that. It's a crazy place from what I experienced growing up. I even thought about an Airbnb for the main part of the house or moving into an RV and just keep moving. If you buy a house that you love, you may not want to profit from it and sell it later. Even if you did, what can you buy next? I really hate paying someone else's mortgage by renting, which is why I have this house now. It only cost me about $200 a month more for the mortgage over the rent. I sort of like the idea of moving to a place for a month to see what it's like and then move on to another location, while retaining my home base and renting the main part out. I make enough monthly in retirement to live okay and it's mainly the cost of having a house, animals and loans for the maintenance, that eats up my income. I even thought of being a passport bro and living where I can make my money go much further, but I have good doctors and medical care here and that may not be the case elsewhere.
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  151. Today I just happened to look at property in Haiku, Maui, Hawaii where my parents bought our family home for I think $50k to $60k. Our home was old and termite eaten, so when my mom passed away, he sold it to the Catholic church next door. So it's basically a parking lot now. He sold it for under $200k I think. Today all the neighbors and houses around the area range from 1 to 2 million now. These were the initial plantation homes. So most are termite eaten. One reason it's impossible for me to return to the place I grew up and left when I retired.
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  152. 19:58 to me most of the places with the richest people are where the most fraud takes place. Florida and California and New York is where crazy amounts of money flow in and out and if audit3d, I think you would find that much of that money has been channeled there through all the fraud we are seeing in the governent and even way to more fraud that is done commercially and internationally. Dont even go into moneyy laundering and drug money. That built Florida.
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  153. When I am watching your video Michael Bordenaro, I tend to get title lock commercials. Have you done a segment about the need for a title lock? If not,can you do one?
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  154. When I play your video, the most prominent ads are about people taking other people's mortgages. Stealing their title. How about video on if this is really a concern or just marketing.
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  155. I grew up on Maui and only left at retirement. Maui is unloading tons of prefab houses on the island recently. Maui has always been opposed to trailer parks and prefab homes and the situations they create when people get segregated to the areas they can afford. From 1969 to now, I've watched as money ruled the island. Politicians became millionaires by approving land deals and they had some investment somewhere in there to profit. They have divided the island into the haves and have nots. The exception was any local families that had generational land in the resort and high cost areas. The council has done what they could to flip the local families out in favor of investors and speculation. Most of the guys I grew up with, Hawaiian, Filipino, Portuguese, Chinese, Japanese people had land handed down to them from grandparents. The money, combined with alcohol and drugs, was too much and so many sold out many acres of prime land just for that short term money. Part of this is that not everyone wanted to sell, but the taxes and other demands put on them by the State and County forced their hands.
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  156. Just got off of the phone halfway through watching this video with my insurance agent. My homeowners insurance is going up $1000 a year come renewal in April. I moved my cars off to two different policies earlier and I will bundle the two cars for the $475 discount to home owners insurance. It's still crazy to have to pay more because of people living in disaster prone areas, while I have had zero claims in the 8 years I have had my home. I wonder if a government run insurance, minus the corruption might work better. My agent suggested more locally run insurance pools by state or even county. This might be a way to be more fair to the people and if they choose to live in a disaster prone area, they can pay for it, while those of us in safe areas aren't affected by everyone else's claims.
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  157. 1:35 is that where all the seals hangout?
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  158. Maybe a little mini city. Homes and a few necessary shops to be able to live in a climate control throughout the year.
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  159. I just got a reply when I was talking to a friend about the free money for immigrants. Here is a correction the news put out after that info with Hacienda. "Speaking to Newsweek, a spokesperson for Business Oregon, which funds the HCDC, said an advertisement for the grant was "not accurate," adding, "We have confirmed with Hacienda that their program is in fact open to both U.S. citizens and non-citizens." An attached statement from the HCDC said the flyer had "misstated these program requirements" with regard to U.S. citizens being excluded."
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  160. 13:27 probably the homeless druggie situation is why the price went down, not to mention just their laws overall.
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  161. Since buying my house, I have approximately $50,000 in repairs and upgrades that I didn't see when I bought the house. If I knew that it would have radically changed the deal and I probably wouldn't have bought it. Luckily, I paid $270k, spent $50k through additional loans and refinancing. Luckily my house is over $400k now, but it became tighter than I had expected it to be. All the work, trim and soffits, two all new HVAC and ducting, as well as solar, does add value, but if I wanted to sell, it cuts into how much I could make. I will stick it out because I like the place and can't imagine where else I would care to live, especially states or countries.
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  162. 18:25 if they begin taxing people on unrealized gains, how would that work against owning gold? I wouldn't want to be taxed just for holding it.
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  163. 12:41 buying all the properties for so much must have pushed the values up for that neighborhood.
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  164. All insurance companies should be a non profit benefit for people. Then all the money collected would remain in the coffers for disasters and not just buy the big wigs another yacht. This whole insurance game needs to be revised. Of course it won't ever be, because its entrenched into the pockets of rich and powerful people.
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  165. You must read and study 24/7 sir. You are a vast amount of knowledge. More than my brain can absorb in one seating.
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