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i had units in lower-income (working-class) areas and some units in middle-class areas. the working-class ones had the lamest tenants and the most deadbeats. i used to feel sorry for poor people but not anymore. i saw firsthand how they're responsible for their shitty lives.

lol.. an early 1990s olds is worth $400, and a jaguar e-type is worth $15k to $25k. he's really balling! the only p*ssy you can get with an e-type is a 60 year old chick. attractive young women go for late-model cars only

i can't tell if you're pretending to be stupid, or it's natural for you. i fvcking WORKED in SV tech in the 90s, what were you doing back then? your high school summer job at burger king? you weren't even involved then nor are you involved now, what makes you think you know more? you...

silicon valley's tech workforce 10 years ago was 50% white male, and that was just engineers. i was in the SV workforce back then. seriously, stop talking about stuff you know absolutely nothing about. if you count all employees related to tech, including HR and finance and marketing, then...

i traded with td waterhouse back before they even had a website (mid 90s). it was all done by phone those days. if you placed a phone trade without human assistance, you got the discounted commission of $35. broker-assisted trades were (i recall) $50+. then etrade came out in 1994 and they...

tell me what your regular username is and i'll help you.

yep this is very true. i have friends on facebook and myspace, and they post their pictures that make them look like 8's and 9's. in real life they're 5's and 6's. occasionally, a girl will look almost as attractive without makeup but for the most part, i use the +2 rule i mentioned earlier...

i've met enough people who believe in debt-free living to determine they tend to be financially unsavy. they don't know how to safely invest debt that's 4% and make 6-8% from it. the savvy ones do know how, and so they won't pay off low-interest debt. as for me being clueless, i've invested...

this is true. a greater percentage of dirtbags and deadbeats are renters because they don't have the money management skills to buy a house, especially now that the sub-prime market collapsed. here's a tip: don't rent to people over 40 because chances are they are so bad with money that's...

notice the only real estate cheerleaders on ET are those who've never owned or managed real estate. their knowledge is based on what they're read. i bought a number of investment properties early last decade, and all those stories about tenants are true. you're gonna get sleaze bags who...

i tried to trade these in late 2008 or early 09, and the spreads were so wide you could fly a 747 through them. i assume they still suck these days

options on individual houses seems good in theory but bad in practice. presumably, they could be purchased by the homeowner to protect against their home's decline, but how many of them could actually afford it? in bubble markets the put option would be insanely priced. i know that if i was...

dude you don't know what you're talking about. 3/1, 5/1, and 7/1 ARMs have a lifetime cap on the interest rate plus annual caps. mine is 9% lifetime with annual caps of 2%. personally i WANT interest rates to go sky high, so i'd earn 15% on a CD while paying 9% on my mortgage. right now...

no duh. everyone knows that models in magazines and brochures and catalogs, as well as actresses in film, are not as beautiful in real life. all the makeup, hair, clothes and visual editing glamorizes them. even simple things like makeup and hair styling can easily add 2 points to any...

paying off a fixed 5% debt is like investing in something that makes 5%. in other words, it's an awful investment. regardless of whether you like the debt-free approach to living, you should never pay off your mortgage unless you have 3 years of living expenses in liquid assets. you never...

the H1 visa problem is overblown. only marginally-qualified workers worry about indians coming to the US to take their jobs. and it's not like these marginal workers were going to get the job anyway. do you think a 2.8 GPA from devry university or a technology certificate from heald business...

pitz if you couldn't find a job with a supposedly good GPA from a supposedly good school, then the problem is you. (and let's be real, everyone thinks their school is a top 10 school, but they're not.) i know dozens of people employed in tech now and only 2 who are not working. a few were...

facebook isn't worth shit. just as myspace destroyed friendster, and just as facebook is destroying myspace, someone will destroy facebook. facebook has a lot of users but the most active ones are 17-30 year olds. remember, it started out as a college social networking site. people in...

the average age is probably 40. however, the average age of posters (based on how dumb and naive some of them are), is probably 23. a lot of them weren't even trading back when stocks were fractional

cutting saturday delivery doesn't save as much as cutting a weekday because a lot of businesses don't receive mail on saturday anyway; hence savings are only for residential routes. they need to cut delivery to 4 days a week for all addresses. the exception would be a premium service like...