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  1. Tax Day

    Ever hear of Ruby Ridge? Waco? Yeah, even those guys paid their taxes on time… RIP dude. Either that or you become a US senator.

  2. Official ODT Silver Thread

    Buy from another private individual. Sometimes some of the dealers will offer starter packs and spot, but they are hit or miss.
  3.

    And so it begins

    Everyone gonna withdraw all their 1s and 0s at the same time and put ol George Bailey in the poor house.

  4. Official ODT Silver Thread

    I have a few gun/pawn shops I know of that don't carry precious metals often, however they do take them in from time to time and when they do, they sell them at spot. That is usually where I end up buying. I have no interest in paying premiums.

  5. Official ODT Silver Thread

    Besides an intro price from dealers, I have never been able to buy metals at spot, and haven't seen one for silver in several years. I did score a 1 oz gold eagle at spot last year, but even gold is few and far between deals like that. Generally the only time I have been able to buy at spot...

  6. 2nd mortgage

    5.2 million, 100 million, tomato tomato. :becky: Sometimes I post without sleep.

  7. Rome area / Floyd County

    I’m in complete control I’ll have you know!

  8. If you had $50000 to invest for the future, where would you put it to make the most money?

    I turned down a Colt M16 for $8,000 in 2008 AND I had the money from selling other guns. :frusty:

  9. 2nd mortgage

    Over 100 million houses short caused by a decade of underbuilding had created massive amounts of equity causing a massive amount of cash buyers or at least tiny mortgage buyers. Every house in my neighborhood that has been sold in the last year has been a cash purchase and not a single one...

  10. If you had $50000 to invest for the future, where would you put it to make the most money?

    At current rates I am finding I bonds very tempting. What is holding me back is backed by the "full faith and credit of the United States Government," and to be honest, I don't fully trust the US Government to remain solvent.

  11. Real estate going crazy.

    Yeah the process last year was certainly not difficult, just very thorough. There certainly wasn't any room for creative accounting.

  12. Real estate going crazy.

    I understand that. They extra money that is getting dumped on houses is due to the extra equity in previously owned properties whose values rose quickly due to a lack of supply. We have been underbuilding something like 10 million units per year since 2008 and a few years ago that really...

  13. Real estate going crazy.

    I don't know if you have tried getting a mortgage recently, but as someone who has gotten two in the last three years I can tell you that there is no "easy money." With an 800+ credit score, 15 years employment, zero debt, and 70,000 down just qualifying for a 200,000 mortgage was a very...

  14. Real estate going crazy.

    That’s because those houses are USDA eligible rural properties. That program is 40+ years old and had nothing to do with 2007/2008. Our first house was purchased USDA. Zero money down and zero PMI. It’s a great program if you can qualify.

  15. Real estate going crazy.

    Not 2007/2008 for sure. They were giving stated income loans with zero verification back then.

  16. Real estate going crazy.

    Honestly after my last 10,000 dollar "investment" week I seriously considered moving into a rental.

  17. Real estate going crazy.

    Credit card debt is 90% of the time not living expenses and instead just **** that they couldn't afford and shouldn't be buying anyway.

  18. Real estate going crazy.

    Yes. Typically sellers agent charges 3% and buyers agent charges 3%. Seller pays both. He is offering to drop to 2% on his end saving you thousands.

  19. Real estate going crazy.

    It’s delusional to think people should be able to buy a house when just starting out. I was 31 years old before I ever had my first mortgage. Took years of saving and planning to get into my first home ownership experience. Why does everyone expect it to be so much easier for young people today?

  20. Who here does estates and trust law? Any recommendations?

    @Laxguy59 is my favorite lawyer (if there is such a thing) and is a long time ODT member as well. I know he does personal injury and some criminal defense. I am not sure he does estates and trust law, but I would be willing to bet he could point you in the right direction.
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