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Two years later, I'm building the home dashboard I've always wanted. A single place for: - Household finances - Mortgage, insurance, & property tax details - Equipment, services, & maintenance reminders - Home improvement project tracking - RAG powered search Beta opens soon 🏡

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Regy

7,430 subscribers

283,723 görüntüleme • 6 ay önce •via X (Twitter)

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55 Yorum

Paul Dream profil fotoğrafı
Paul Dream6 ay önce

Dashboards like this are the future. I built one similar, but focused on life gamification. I mean, why not hijack billions of dollars of research of games, and point them towards your own goals?

Regy profil fotoğrafı
Regy6 ay önce

This is sick

Gaurang profil fotoğrafı
Gaurang6 ay önce

Keeping track of equipment info/warranty, services and maintenance has been troublesome for me in the past so this looks promising!

Regy profil fotoğrafı
Regy6 ay önce

Right?? Remembering to clean / replace filters too

Matt Leitch profil fotoğrafı
Matt Leitch6 ay önce

How might one get access to this beta! I love this product idea!

Regy profil fotoğrafı
Regy6 ay önce

Fixing a few bugs and going through a security checklist. Beta should be open in a week or two!

Brad Siefert profil fotoğrafı
Brad Siefert6 ay önce

@MrStand_Fast Do you plan to make this a cloud service or a repo folks could use locally on their own?

Regy profil fotoğrafı
Regy6 ay önce

@MrStand_Fast Great Q. Im using a few services that make it work out of the box and was excited to maintain it as a service. If I can’t keep it up, I’ll just make it open source and let people bring their own API keys

Brad Siefert profil fotoğrafı
Brad Siefert6 ay önce

@MrStand_Fast I also have a fiddly illustration question: I live in a row house. Do you think that illustration style will sorta extract it from the row? Could be kinda fun. hehe

Regy profil fotoğrafı
Regy6 ay önce

@MrStand_Fast That’s a piece I wanted to work on before launch. A personal, isometric illustration of your home using Google street view images and Gemini. We’ll see if it works!

Regy profil fotoğrafı
Regy6 ay önce

Sign up for beta and help me test! First 50 invites going out in a week or so.

Edward Miller profil fotoğrafı
Edward Miller6 ay önce

Love it. Just shared a dashboard I had made for personal finances:

Regy profil fotoğrafı
Regy6 ay önce

Love a personal dashboard

Richard Silvester profil fotoğrafı
Richard Silvester6 ay önce

Nice work Regy, from one data viz enthusiast to another 📈

Regy profil fotoğrafı
Regy6 ay önce

Thank you! Excited to better visualize energy data from imported utility bills

Richard Silvester profil fotoğrafı
Richard Silvester6 ay önce

So many utility bills are long, confusing and dull. @OctopusEnergy are doing some novel things from the last time I checked in with them

Ronak Daya profil fotoğrafı
Ronak Daya6 ay önce

Can’t wait to try it!

Ignacio Cassinelli profil fotoğrafı
Ignacio Cassinelli6 ay önce

Genius. I'm sure you can eventually monetize by putting handyman and remodeling service offers right there in context for the user!

Tom Osman 🐦‍⬛ profil fotoğrafı
Tom Osman 🐦‍⬛6 ay önce

this is so great

Regy profil fotoğrafı
Regy6 ay önce

Thanks Tom!

Live Ergodic or Die profil fotoğrafı
Live Ergodic or Die6 ay önce

Add depreciation sort of / fixed asset tracker

Regy profil fotoğrafı
Regy6 ay önce

What kind of assets were you thinking?

Live Ergodic or Die profil fotoğrafı
Live Ergodic or Die6 ay önce

Guns, vehicles, boats, jewelry, watches, heavy equipment, chainsaws, tools. Anything over $1k. Collectible books.

Regy profil fotoğrafı
Regy6 ay önce

Love this idea. I built a camera app for something similar a while back that I might be able to re-use. Will report back

Aymeric Rabot profil fotoğrafı
Aymeric Rabot6 ay önce

Hey I am interested! DM if you want to talk Check out

Dennison profil fotoğrafı
Dennison6 ay önce

OMG we're al building the same thing.

Gary Basin profil fotoğrafı
Gary Basin6 ay önce

beautiful

Regy profil fotoğrafı
Regy6 ay önce

Love the site!

Gary Basin profil fotoğrafı
Gary Basin6 ay önce

Thank you! Got some big updates coming soon

Jordi Martí profil fotoğrafı
Jordi Martí6 ay önce

This looks very useful! Everybody should have a centralized home dashboard. Good work Regy!

Brandon Presley profil fotoğrafı
Brandon Presley6 ay önce

Love the idea. I made a binder for home maintenance and also a spreadsheet but then have to print each time I update

Regy profil fotoğrafı
Regy6 ay önce

The guy I bought my house from gave me a manila folder with old warranty paperwork and their service providers. Could see this becoming valuable if you ever need to sell. One link to share all home details and history

Salil profil fotoğrafı
Salil6 ay önce

Damn this is sick. I want this!

💻 profil fotoğrafı
💻6 ay önce

This is a 🔥 concept. Have a similar project I’m working on that would tie in nicely with this. Would love to connect

Daniel Solberg profil fotoğrafı
Daniel Solberg6 ay önce

That’s awesome!!

Illiquid Louis profil fotoğrafı
Illiquid Louis6 ay önce

So excited to try this

Kevin Twohy profil fotoğrafı
Kevin Twohy6 ay önce

we're back!

Austin profil fotoğrafı
Austin6 ay önce

This is awesome! I thought about doing this via a local device that can run a local LLM and be connected to via the same WiFi network. It could operate within Airbnbs, while also providing guess FAQs + local recommendations by the host. HMU if that’s interesting.

Eric Chu profil fotoğrafı
Eric Chu6 ay önce

awesome.

JSB profil fotoğrafı
JSB6 ay önce

Have always wanted to do this too. Collection of notes and trello boards and spreadsheet just doesn’t work

hari raghavan profil fotoğrafı
hari raghavan6 ay önce

Hahaha I've been meaning to hack together something like this for a while. Love it!

Dave Kim profil fotoğrafı
Dave Kim6 ay önce

Yes!!!

Regy profil fotoğrafı
Regy6 ay önce

🫡

cam profil fotoğrafı
cam6 ay önce

yes

George-Thomas Pugh profil fotoğrafı
George-Thomas Pugh6 ay önce

That’s awesome I was planning on building something like this but yours sounds so much better I have no need lol.

Darren Craft profil fotoğrafı
Darren Craft6 ay önce

Yes 👏🏻

DSCheetham profil fotoğrafı
DSCheetham6 ay önce

Where’s the opt-in lading page?!

Regy profil fotoğrafı
Regy6 ay önce

Soon come

Tariq Shaikh profil fotoğrafı
Tariq Shaikh6 ay önce

Super excited and cant wait to use it, was thinking of building something similar, but I know you are going to crush it!

Jake | Coding and Tech profil fotoğrafı
Jake | Coding and Tech6 ay önce

Looks great!

Ryan Casey profil fotoğrafı
Ryan Casey6 ay önce

Love this. When is managing the kids daily activities coming? ;) Beautiful design btw

L.D. Humphreys profil fotoğrafı
L.D. Humphreys6 ay önce

This is goooood dude!

Bill Blaney profil fotoğrafı
Bill Blaney6 ay önce

This is wicked awesome

Bob Irish profil fotoğrafı
Bob Irish6 ay önce

I’ve always wanted to put all this info in one master document. Is it all stored locally with an encrypted cloud backup?

Regy profil fotoğrafı
Regy6 ay önce

Love this idea. Will research some local storage options for documents / finances

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🚨🇺🇸 NICK SHIRLEY INVESTIGATES MINNESOTA BUILDING WITH 22 HEALTHCARE COMPANIES: "ESTIMATED $30 MILLION IN FRAUD" Same building. Same business model. Door after door after door. Nick Shirley visited a Minnesota building housing 22 home healthcare companies, all providing essentially the same services, all collecting government money. What he found: Multicultural Home Care. Reliance Recovery Center. Mercy and Grace Care, Inc. Serenity Quality Care. Convenience Home Health Care. Queenley Home Health Care. Aid, Inc. Child Friendly Space. And more. All in one building. Shirley's question: "Why would you have the same company essentially inside of the same building door to door? If you were trying to operate a business, you'd want less competition." When he asked about fraud, things got tense: "As soon as you confirm about the fraud, they get angry." A source explained the scheme: "False documentation being submitted to the state of Minnesota for services never provided. They're having forms signed in advance for services never rendered, as far as a year or two years in advance. They'll have someone sign these forms at one sitting, then file those with the state. Nobody from the state bothers to check that those services were ever provided." On the closed community: "Everybody's in on it, and they don't want to talk." The estimate for this single building? $30 million in fraud. And that's "a very low estimate." One building. $30 million. How many more buildings are there? Source: Nick shirley Eric Daugherty
2:38

🚨🇺🇸 NICK SHIRLEY INVESTIGATES MINNESOTA BUILDING WITH 22 HEALTHCARE COMPANIES: "ESTIMATED $30 MILLION IN FRAUD" Same building. Same business model. Door after door after door. Nick Shirley visited a Minnesota building housing 22 home healthcare companies, all providing essentially the same services, all collecting government money. What he found: Multicultural Home Care. Reliance Recovery Center. Mercy and Grace Care, Inc. Serenity Quality Care. Convenience Home Health Care. Queenley Home Health Care. Aid, Inc. Child Friendly Space. And more. All in one building. Shirley's question: "Why would you have the same company essentially inside of the same building door to door? If you were trying to operate a business, you'd want less competition." When he asked about fraud, things got tense: "As soon as you confirm about the fraud, they get angry." A source explained the scheme: "False documentation being submitted to the state of Minnesota for services never provided. They're having forms signed in advance for services never rendered, as far as a year or two years in advance. They'll have someone sign these forms at one sitting, then file those with the state. Nobody from the state bothers to check that those services were ever provided." On the closed community: "Everybody's in on it, and they don't want to talk." The estimate for this single building? $30 million in fraud. And that's "a very low estimate." One building. $30 million. How many more buildings are there? Source: Nick shirley Eric Daugherty

Mario Nawfal

34,202 görüntüleme • 9 ay önce

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It’s happening, Scribble’s moving homes!🏡🫶 From → Our family’s grown, our dreams are louder, and honestly, our old home was starting to feel a little too small for everything we wanted to build together. You’ll find all your favorite things waiting for you on the new site: 💚 All the grants (Live and otherwise) 💚 Your wallet, already imported and ready 💚 Your points, all normalized and carried over (and yes, if you were topping the board before, you still are) But this new home comes with so much more 👇 💜 A live feed where you can see what your frens are posting and mint your own. 💜 A place where every post you make is yours forever. 💜 Your dashboard now keeps everything you care about in one place: your creations, your investments, even your biggest cheerleaders. And yes, when someone buys your post, you earn. When you and enough others like and buy a post, you earn. We’re building the home we always wanted. One that grows with the people who made Scribble what it is.

Scribble.fren

29,764 görüntüleme • 10 ay önce

The Mainstream Media Refuses To Cover What’s Happened In Hawaii After The Lahaina, Maui Fire The US Government Is Still REFUSING To Let Insurance Adjusters Into The Area So No One Can Get Paid On Their Claims & REFUSING All Building Permits So No One Can Rebuild 2,207 Homes Burnt Down 0 Homes Repaired 0 Building Permits Have Been Issued The Banks Are Still Charging The Victims On Their Mortgages “I'm willing to bet most people aren't aware of how bad the United States government is ****** the people who lost their home in the Maui fire. See, as a result of the Maui wildfire, 2,207 homes in Lahaina burnt down, and I'm sure that you would imagine there's a lot of reconstruction going on, but you'd be wrong. See, since the Maui wildfire, not a single building permit has been approved. Not one. Oh, and I'm sure you'd also think that all the people that had their homes burned down were gonna be receiving insurance payouts. And you're probably thinking that the only reason they haven't received those insurance payouts is because of the evil insurance companies don't wanna pay them, but you would be wrong again. See, the insurance companies haven't been able to pay anything because the United States government won't even allow the insurance adjusters into the area, where all they wanna do is go in there and verify that these buildings have burned down. They wanna verify how extensive the damage is for each of the homes that they insured. And for a lot of these homes, it would be as easy as them driving up, taking a picture of a burnt down property, therefore verifying that that home no longer exists, and then they could cut a check, but the US government won't let them do that, and the US government won't let anybody rebuild. And here's the wildest part. Because the insurance adjusters can't verify that these homes burnt down and because the United States government won't approve a single ****** building permit, all of these people are still paying their mortgages. These people no longer have homes, but because they're not approving building permits and they're not letting the insurance adjusters in, the banks are still charging these people a mortgage. These people are paying a ****** mortgage on houses that don't even exist, and many of them are getting foreclosed on. Like, imagine how ridiculous that is. Your house burnt to the fucking ground. Your insurance company wants to go out there. They wanna go see the burnt down house, take a picture, and cut you a check. But the government in the interest of helping people, I guess, won't let them do that. So the banks get to keep collecting the mortgage payments. And if you can't make the mortgage payments on the house that isn't even fucking there anymore, they get to foreclose on the property, and now the bank owns the land where your house used to be. And all of this is happening because the government will not approve any building permits and won't even let the insurance adjusters in. But, yeah, you guys keep celebrating that Biden visited there for 4 hours. I'm sure that's some comfort to these people.”
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Wall Street Apes

463,611 görüntüleme • 2 yıl önce

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8:09

Selling your home in San Diego could soon cost you $60,000. 💲💸💰 Don’t let the door hit you on the way out. Actually — wait. We need $60,000 before you go. Not property tax. Not capital gains. A brand new tax just for selling. Here’s how a county drowning in money still ran out of it: Property values are already doing their dirty work for them — automatically dumping an extra $340 million into county coffers every single year without lifting a finger. The budget still exploded from $6.2 billion to $8.6 billion — a 40% jump in just five years. And what did they do with all that money? Reckless COVID hiring spree. 2,500 new employees. 10 brand-new departments nobody can explain. $300 million a year in new payroll. Then they raided $300 million from emergency reserves meant for earthquakes, wildfires, and disasters. First thing they spent it on? $45 million in employee bonuses. Not roads. Not fire stations. Not fixing the sewage pouring in from Tijuana. Bonuses for themselves. You’re welcome. They blew through all of it — and still came up short. So they came for your home sale instead. Right now the transfer tax on a $1 million home is $1,100. They wanted to jack it to $60,000+. That’s a 5,500% increase. Here’s how they tried to sneak it through: December 18, 2025 — right before Christmas — two supervisors quietly posted a lobbyist RFQ. Due date? December 21st. Three business days over the holidays. The job: hire someone to go to Sacramento, rewrite state law, and quietly ram through a massive home-sale exit tax PLUS a brand-new payroll tax straight out of your paycheck. All while you were Christmas shopping. Supervisor Jim Desmond caught it, went public, and they yanked it. His warning: “They pulled it because they got caught… not because they changed their mind. They’ll be back.” Turns out he was right — the Board voted 3-2 in February against even formally opposing the tax. They didn’t even want it on record that they disagreed with it. They’re not done. LA already showed us exactly where this goes. Their “mansion tax” was promised to raise up to $1.1 billion a year. It’s raised $662 million total in two years — less than half of what was promised. High-value property sales dropped 50%. Multifamily building permits got cut by more than half. Researchers found that for every dollar the tax raised, the region could lose $1.38 in future property tax revenue. That’s what’s coming for San Diego. And the 3-2 vote already told you everything you need to know about whether they care. This isn’t a revenue problem. This is a government addicted to your money — and they will never stop until you make them. Your home is most families’ entire life savings and retirement plan. Don’t let them turn selling it into a six-figure government shakedown. The next battleground is November 2026. Governor’s race. Ballot measures. If you know a homeowner who votes Democrat, send them this. Because $60,000 is a hell of a price to pay to keep voting the same way.

Jake

304,636 görüntüleme • 7 ay önce

🚨 THIS NUMBER SHOULD NOT EXIST The U.S. housing market is now at the most unaffordable level in history. Worse than the legendary 2006 housing bubble: The median U.S. home now costs $436,000. Five years ago? $270,000. That’s a 61.5% price increase. Wages over the same period? +29%. To qualify for a mortgage on a median-priced home today, Americans need a minimum of $127,000 in household income. The median household earns about $80,000. That means 75% of homes on the market are unaffordable for the average American family. 3 out of 4. Mortgage rates are the second punch. They went from 2.7% to 6.3% in just five years. Even if prices hadn’t moved, monthly payments would’ve nearly doubled. And here’s the part nobody wants to say out loud: On January 29th, Trump told his Cabinet he does not want housing prices to fall. He wants them higher. That’s great if you already own. It’s brutal if you’re trying to buy your first home. 99% of U.S. counties are less affordable than their historical norms. The country is short roughly 7.1 million homes. And construction is slowing. Existing home sales in 2025 are tracking around 4.1 million. That’s near the lowest level in three decades. Homeownership has fallen to 65%, down from 69% in 2004. This is the largest affordability crisis in modern U.S. housing history. Prices went up. Rates went up. Wages did not. And politicians do not want prices to fall. The average American family is not waiting for a better entry. That is the trap. They are locked out of the market. Reminder: I’ve called all the market tops and bottoms for the last 15 years, including the Bitcoin bottom at $16,000 and the top at $126,000. The next call will be even more important. When I exit the markets completely, I’ll post it here publicly like I always do. Turn notifications on. If you’re not following yet, you’ll understand why that was a mistake later.
0:40

🚨 THIS NUMBER SHOULD NOT EXIST The U.S. housing market is now at the most unaffordable level in history. Worse than the legendary 2006 housing bubble: The median U.S. home now costs $436,000. Five years ago? $270,000. That’s a 61.5% price increase. Wages over the same period? +29%. To qualify for a mortgage on a median-priced home today, Americans need a minimum of $127,000 in household income. The median household earns about $80,000. That means 75% of homes on the market are unaffordable for the average American family. 3 out of 4. Mortgage rates are the second punch. They went from 2.7% to 6.3% in just five years. Even if prices hadn’t moved, monthly payments would’ve nearly doubled. And here’s the part nobody wants to say out loud: On January 29th, Trump told his Cabinet he does not want housing prices to fall. He wants them higher. That’s great if you already own. It’s brutal if you’re trying to buy your first home. 99% of U.S. counties are less affordable than their historical norms. The country is short roughly 7.1 million homes. And construction is slowing. Existing home sales in 2025 are tracking around 4.1 million. That’s near the lowest level in three decades. Homeownership has fallen to 65%, down from 69% in 2004. This is the largest affordability crisis in modern U.S. housing history. Prices went up. Rates went up. Wages did not. And politicians do not want prices to fall. The average American family is not waiting for a better entry. That is the trap. They are locked out of the market. Reminder: I’ve called all the market tops and bottoms for the last 15 years, including the Bitcoin bottom at $16,000 and the top at $126,000. The next call will be even more important. When I exit the markets completely, I’ll post it here publicly like I always do. Turn notifications on. If you’re not following yet, you’ll understand why that was a mistake later.

Alex Mason 👁△

77,467 görüntüleme • 3 ay önce

Gala fans, it’s time to say thank you and see you soon. These past two years have been truly special. I embraced this project at a challenging time for the club and gave everything to help place it where it truly belongs – in the Champions League. I have had the privilege of winning three trophies - two of them league championships - with friends I’ve made for life, both on the pitch and off. I am deeply grateful for that. To the incredible fans, your passion and unwavering support have meant everything to me and Cristiana. From the first day, you welcomed us with open arms, treating us like family and making us feel at home. For that, we will always be grateful. Living in this vibrant city, with its rich culture and dynamic energy, has been an absolute joy. It’s a place that is so much more than just a chapter in my professional story—it is also where my personal journey took a beautiful turn. Here, in Istanbul, I discovered that our family would be growing, that I would become a father. This place will forever hold a special place in our hearts for the happiness it brought to our lives. Thank you for making these years unforgettable. This is not a goodbye, but a heartfelt ‘see you soon.’ You will always be a part of my story. Harika anılar için teşekkür ederim 🦁💛❤ Sérgio Oliveira
1:04

Gala fans, it’s time to say thank you and see you soon. These past two years have been truly special. I embraced this project at a challenging time for the club and gave everything to help place it where it truly belongs – in the Champions League. I have had the privilege of winning three trophies - two of them league championships - with friends I’ve made for life, both on the pitch and off. I am deeply grateful for that. To the incredible fans, your passion and unwavering support have meant everything to me and Cristiana. From the first day, you welcomed us with open arms, treating us like family and making us feel at home. For that, we will always be grateful. Living in this vibrant city, with its rich culture and dynamic energy, has been an absolute joy. It’s a place that is so much more than just a chapter in my professional story—it is also where my personal journey took a beautiful turn. Here, in Istanbul, I discovered that our family would be growing, that I would become a father. This place will forever hold a special place in our hearts for the happiness it brought to our lives. Thank you for making these years unforgettable. This is not a goodbye, but a heartfelt ‘see you soon.’ You will always be a part of my story. Harika anılar için teşekkür ederim 🦁💛❤ Sérgio Oliveira

Sérgio Oliveira

178,237 görüntüleme • 2 yıl önce

Former 911 dispatcher takes out her husband who is in law enforcement. ​ Anne M. Valgora called emergency services in Papillion, Nebraska, putting on a frantic performance. She claimed she had just woken up from taking heavy sleep medication to find her husband—55-year-old U.S. Army veteran and emergency dispatcher and reserve police officer Steven Olson—dead in their bedroom from a gunshot wound. ​She immediately tried to direct responding officers toward a home invasion narrative. She even pointed out to detectives that the back door was wide open and the home security alarm was turned off, claiming an intruder must have breached the house while she slept. ​But her performance fell apart under police scrutiny due to these major breakthroughs that broke the case wide open: ​ Steven was were he sleeps on a blanket on the floor under the sheets with a pillow placed over his head, dead from a gunshot wound. But there was no weapon anywhere near the body. Valgora claimed she had no idea where it was. ​ The biggest breakthrough came when detectives secured a search warrant for the home. During their search, they found the murder weapon hidden away in the most unlikely place—inside the household clothes dryer. Valgora’s intruder theory was completely obliterated when detectives pulled Ring doorbell footage from a neighbor’s house. The camera had a clear view of the property and proved with absolute certainty that nobody had entered or exited the home during the entire window of the murder. Why did she do it? Financial control. Steven had recently cut off her monthly allowance, infuriating her. Investigators discovered she had orchestrated the execution-style murder to cash in on a massive life insurance policy. Her greed left her empty-handed. No claim was ever successfully filed, and she never received a single dime.The insurance money was eventually redirected away from her to Steven’s rightful beneficiaries. ​Anne Valgora traded her husband’s life and her own freedom for a payout she never touched. She was convicted of first degree assault and tampering with evidence. She was sentenced to 40 to 50 years in prison.
10:24

Sensitive content

Former 911 dispatcher takes out her husband who is in law enforcement. ​ Anne M. Valgora called emergency services in Papillion, Nebraska, putting on a frantic performance. She claimed she had just woken up from taking heavy sleep medication to find her husband—55-year-old U.S. Army veteran and emergency dispatcher and reserve police officer Steven Olson—dead in their bedroom from a gunshot wound. ​She immediately tried to direct responding officers toward a home invasion narrative. She even pointed out to detectives that the back door was wide open and the home security alarm was turned off, claiming an intruder must have breached the house while she slept. ​But her performance fell apart under police scrutiny due to these major breakthroughs that broke the case wide open: ​ Steven was were he sleeps on a blanket on the floor under the sheets with a pillow placed over his head, dead from a gunshot wound. But there was no weapon anywhere near the body. Valgora claimed she had no idea where it was. ​ The biggest breakthrough came when detectives secured a search warrant for the home. During their search, they found the murder weapon hidden away in the most unlikely place—inside the household clothes dryer. Valgora’s intruder theory was completely obliterated when detectives pulled Ring doorbell footage from a neighbor’s house. The camera had a clear view of the property and proved with absolute certainty that nobody had entered or exited the home during the entire window of the murder. Why did she do it? Financial control. Steven had recently cut off her monthly allowance, infuriating her. Investigators discovered she had orchestrated the execution-style murder to cash in on a massive life insurance policy. Her greed left her empty-handed. No claim was ever successfully filed, and she never received a single dime.The insurance money was eventually redirected away from her to Steven’s rightful beneficiaries. ​Anne Valgora traded her husband’s life and her own freedom for a payout she never touched. She was convicted of first degree assault and tampering with evidence. She was sentenced to 40 to 50 years in prison.

Giggling Ganon

143,651 görüntüleme • 4 ay önce

In honor of the 250th anniversary of our nation, it’s truly a miracle that we’ll soon reach 50 + 500 + 5000. This 4th of July, we celebrate America's history + heroism and all of the heroes who protect it every day. Twenty years ago today, we gifted one home a year for several years — and this year, we'll reach 50 homes in a single year, our 500thhome overall, while helping 5,000 in 2026 alone. To all of our veterans, service members, first responders, volunteers, supporters, family +friends, we truly honor you. To all at Lowe's, Chase, Amazon Web Services, Hillwood Communities, and to all of our amazing partners all across the country, we thank you for making this amazing mission possible and making so many dreams come true. Together, we're building better + brighter lives, saving lives + making dreams come true, while making our communities + country a better place. A truly noble endeavor indeed. Thank you to all, and Happy 4th to all, from
3:41

In honor of the 250th anniversary of our nation, it’s truly a miracle that we’ll soon reach 50 + 500 + 5000. This 4th of July, we celebrate America's history + heroism and all of the heroes who protect it every day. Twenty years ago today, we gifted one home a year for several years — and this year, we'll reach 50 homes in a single year, our 500thhome overall, while helping 5,000 in 2026 alone. To all of our veterans, service members, first responders, volunteers, supporters, family +friends, we truly honor you. To all at Lowe's, Chase, Amazon Web Services, Hillwood Communities, and to all of our amazing partners all across the country, we thank you for making this amazing mission possible and making so many dreams come true. Together, we're building better + brighter lives, saving lives + making dreams come true, while making our communities + country a better place. A truly noble endeavor indeed. Thank you to all, and Happy 4th to all, from

Building Homes for Heroes

400,783 görüntüleme • 3 ay önce

A couple that makes $20k/mo will live a comfortable life in Toronto, Canada. Let me walk you through it $20k per month is $240k a year. Let’s say each person makes $120,000 per year In Ontario: Federal tax: $18,812.49 Provincial tax: $10,128.16 CPP contributions: $4,055.50 EI premiums $1,049.12 Net pay: $85,954.73 per person per year or $7,162.89 per person per month. Who are we talking about? A couple. No kids. For a couple: Net pay: $171,909.46 per year or $14,325.79 per month. What does “comfortable” mean? Let us say you are: - not living pay check to pay check - filling retirement accounts - paying for food, clothing, shelter, transportation Let us start: TFSA (equivalent to U.S. Roth IRA): $7,000 per adult per year, or $14k per couple per year total. But each person contributed $21,600 to their RRSP, paid $30,000 in tax, and had a refund of $8,900 which they used for their TFSA with $1,900 per person to spare. RRSP (equivalent to U.S. 401k/403b): $21,600 per adult, or $43,200 total per couple. For retirement (TFSA & RRSP): $43,200 per year or $3,600 per month. Let’s move to shelter: A 1b1b condo in Toronto costs $720,000. This should be affordable for a gross household income of $240,000 per year based on the 20/30/3 rule for buying a home: 1. 20% down 2. Shelter costs less than 30% gross household income 3. Shelter price less than 3x gross household income If no downpayment the couple needs to find $144,000 for downpayment, $13,275 land transfer tax (assuming first time home buyer otherwise $21,750) and legal. $162k+ Minimum. Monthly mortgage is $3,400 per month (20% down, 5.1% interest, 25 year amortization) Plus: Utilities Insurance Property tax Landscaping Maintenance Capital expenditures You get the picture. If non-recoverable shelter cost is 2% this is $14,400 per year or $1,200 per month. Let’s keep it simple and say that shelter equivalent is $4,600 per month Next add the following: Groceries: $1,000/mo Car: $1,000/mo (includes monthly payment, maintenance, insurance, gas) We are at $10,200 per month. ($3,600 retirement + $4,600 shelter + $1,000 food + $1,000 transportation) Now add: $200/mo Emergency fund $200/mo. Phone & Internet $400/mo Eating out $200/mo Entertainment $500/mo Clothes, Fitness, Grooming, Travel Total of $1,500 We are at $11,700 per month. This couple has $2,700 per month to spare and can consider having a child and/or a second car. Statistics Canada calculated that raising a child from birth until the age of 18 years of age will cost $1,400 per month. This excludes saving for the child’s post-secondary education in an RESP. In short to live a comfortable life in Toronto with adaquate contributions to retirement, money for shelter, food, clothing, transportation, entertainment, and a future that may include having a child, a couple needs to make $20k/mo. Otherwise we just decide to sacrifice, and live without something listed above. Get financially literate. You got this! 🙌
0:36

A couple that makes $20k/mo will live a comfortable life in Toronto, Canada. Let me walk you through it $20k per month is $240k a year. Let’s say each person makes $120,000 per year In Ontario: Federal tax: $18,812.49 Provincial tax: $10,128.16 CPP contributions: $4,055.50 EI premiums $1,049.12 Net pay: $85,954.73 per person per year or $7,162.89 per person per month. Who are we talking about? A couple. No kids. For a couple: Net pay: $171,909.46 per year or $14,325.79 per month. What does “comfortable” mean? Let us say you are: - not living pay check to pay check - filling retirement accounts - paying for food, clothing, shelter, transportation Let us start: TFSA (equivalent to U.S. Roth IRA): $7,000 per adult per year, or $14k per couple per year total. But each person contributed $21,600 to their RRSP, paid $30,000 in tax, and had a refund of $8,900 which they used for their TFSA with $1,900 per person to spare. RRSP (equivalent to U.S. 401k/403b): $21,600 per adult, or $43,200 total per couple. For retirement (TFSA & RRSP): $43,200 per year or $3,600 per month. Let’s move to shelter: A 1b1b condo in Toronto costs $720,000. This should be affordable for a gross household income of $240,000 per year based on the 20/30/3 rule for buying a home: 1. 20% down 2. Shelter costs less than 30% gross household income 3. Shelter price less than 3x gross household income If no downpayment the couple needs to find $144,000 for downpayment, $13,275 land transfer tax (assuming first time home buyer otherwise $21,750) and legal. $162k+ Minimum. Monthly mortgage is $3,400 per month (20% down, 5.1% interest, 25 year amortization) Plus: Utilities Insurance Property tax Landscaping Maintenance Capital expenditures You get the picture. If non-recoverable shelter cost is 2% this is $14,400 per year or $1,200 per month. Let’s keep it simple and say that shelter equivalent is $4,600 per month Next add the following: Groceries: $1,000/mo Car: $1,000/mo (includes monthly payment, maintenance, insurance, gas) We are at $10,200 per month. ($3,600 retirement + $4,600 shelter + $1,000 food + $1,000 transportation) Now add: $200/mo Emergency fund $200/mo. Phone & Internet $400/mo Eating out $200/mo Entertainment $500/mo Clothes, Fitness, Grooming, Travel Total of $1,500 We are at $11,700 per month. This couple has $2,700 per month to spare and can consider having a child and/or a second car. Statistics Canada calculated that raising a child from birth until the age of 18 years of age will cost $1,400 per month. This excludes saving for the child’s post-secondary education in an RESP. In short to live a comfortable life in Toronto with adaquate contributions to retirement, money for shelter, food, clothing, transportation, entertainment, and a future that may include having a child, a couple needs to make $20k/mo. Otherwise we just decide to sacrifice, and live without something listed above. Get financially literate. You got this! 🙌

Lazy Canadian Entrepreneur

1,654,478 görüntüleme • 2 yıl önce

David Friedberg explains that owning a home is worse than investing in stocks Calls it the "Great lie" FRIEDBERG: "This is one of the great lies. Convincing everyone that the great American dream is to own a house. When owning a house for a lot of Americans ends up putting all your capital in one asset, and you've got to basically get the price of housing to go up every year to keep everyone moving up the ladder." "So now, fast forward 30, 40, 50 years, young people can't afford to buy a house anymore because we've pushed the asset value up so much to try and make sure that everyone's got good household wealth." BARTLETT: "We are told. I mean, that's the sort of central idea once you leave university—is to figure out how quickly you can get a mortgage or buy a house." FRIEDBERG: "Great lie. It's one of the great lies. And there's a lot of countries where people have been able to accumulate capital and jump that ravine from labor to capital much more quickly when they don't buy a house because they can invest in stuff. They can buy, you know, the S&P 500, which you can just buy on an E-Trade or Robinhood account, and you can just own it; on average, it will make you 10-11% a year. You just put your money in that, you're making 10-11% a year, and it can go up every year, and you don't have to pay taxes. You don't have to pay property tax. You don't have to pay insurance. You don't have to deal with repairs and maintenance. All that sort of stuff. So, a lot of people would have been better off, depending on the markets that they're in. There's some markets that ballooned, but a lot of people would have been better off over the last 30 years actually owning the S&P 500 than owning their home and paying for the rent on a home."
1:09

David Friedberg explains that owning a home is worse than investing in stocks Calls it the "Great lie" FRIEDBERG: "This is one of the great lies. Convincing everyone that the great American dream is to own a house. When owning a house for a lot of Americans ends up putting all your capital in one asset, and you've got to basically get the price of housing to go up every year to keep everyone moving up the ladder." "So now, fast forward 30, 40, 50 years, young people can't afford to buy a house anymore because we've pushed the asset value up so much to try and make sure that everyone's got good household wealth." BARTLETT: "We are told. I mean, that's the sort of central idea once you leave university—is to figure out how quickly you can get a mortgage or buy a house." FRIEDBERG: "Great lie. It's one of the great lies. And there's a lot of countries where people have been able to accumulate capital and jump that ravine from labor to capital much more quickly when they don't buy a house because they can invest in stuff. They can buy, you know, the S&P 500, which you can just buy on an E-Trade or Robinhood account, and you can just own it; on average, it will make you 10-11% a year. You just put your money in that, you're making 10-11% a year, and it can go up every year, and you don't have to pay taxes. You don't have to pay property tax. You don't have to pay insurance. You don't have to deal with repairs and maintenance. All that sort of stuff. So, a lot of people would have been better off, depending on the markets that they're in. There's some markets that ballooned, but a lot of people would have been better off over the last 30 years actually owning the S&P 500 than owning their home and paying for the rent on a home."

Tony Jacob | FindaClip.com

450,752 görüntüleme • 29 gün önce

Caller: I'm a 58-year-old single guy, getting tired of working. I'm trying to get to retirement, I make $75,000 and nothing saved. I need to know what I should do to get there. Dave Ramsey: What do you do? ​Caller: I'm a trim carpenter. I trim high-end houses and build some custom cabinets as well. ​Jade Warshaw: Do you have any debt? ​Caller: I've got about $25,000 worth of mortgage and a $20,000 auto loan. ​Dave Ramsey: Why have you saved no money? ​Caller: I was married to a spender, and at the age of 50, got divorced, and I walked away with zero dollars. ​Dave Ramsey: That was eight years ago. Why have you saved no money in the last eight years? ​Caller: Well, getting back on my feet, I ended up buying a house. That's where the mortgage comes in. I've got $25,000 left on that. ​Jade Warshaw: So is that where your extra money was going, paying down that mortgage? What did it start as? ​Caller: Paying down the mortgage. It was a bank-owned property. I got it for a song in a great neighborhood. I put a fair amount of money into it, and that's where most of my money went. ​Dave Ramsey: And you bought a truck? ​Caller: No. I have a truck that's paid for. ​Dave Ramsey: What's the $20,000 vehicle? ​Caller: I know you're into cars, Dave. It's not a car. It's a motorcycle. It's a Harley-Davidson. ​Jade Warshaw: Well, we've got to get rid of that. ​Caller: I knew that was the first thing you were going to tell me to get rid of. ​Dave Ramsey: Yeah, that bike has to go. You did great on the house, but the motorcycle was a mistake. If we get you on an EveryDollar budget and you pick up extra work, you can save $2,000 a month. Over 10 years, that $24,000 a year will grow to about half a million dollars. By age 67, you’ll have $500,000 and a completely paid-for house. ​Caller: Okay. I do have about $23,000 in cash. ​Dave Ramsey: Well, then you've got your emergency fund in place. ​Jade Warshaw: That's great! ​Caller: I do have the emergency fund, right. I also have a term life insurance policy that's $100 a month for half a million dollars. Should I keep that, or is there a way to convert that to something else? ​Dave Ramsey: I wouldn't convert. It's just like, "I have homeowner's insurance and I don't have a home anymore, do I need it?" No, you don't. Because there's no one counting on you, it sounds like, for your income. ​Caller: No. ​Dave Ramsey: And the house is worth more than you owe on it. Do you have children? ​Caller: I've got three. They're grown. ​Dave Ramsey: Okay, so if you die, they sell the house and pay the funeral, right? ​Caller: Correct. ​Jade Warshaw: Let it lapse. ​Dave Ramsey: Yeah, I would close that out because you need that extra $100 a month toward our $2,000 a month goal. ​So, what I'm going to do is sit down and do a budget, and I'm going to come up with $2,000 a month. I'm going to sit down with a SmartVestor Pro, and I'm going to fill up Roth IRAs, Simple IRAs, and whatever else you can do as a self-employed person. The great news is, as a trim carpenter in high-end properties, you are in great demand. You've always had more work than you can take on. ​And so if you want to jack it up and make some extra money for a little while, you can do that. I'm always less tired when I don't feel like a hamster in a wheel, when I'm actually getting traction. Part of what's making you tired is you feel stuck.
4:43

Caller: I'm a 58-year-old single guy, getting tired of working. I'm trying to get to retirement, I make $75,000 and nothing saved. I need to know what I should do to get there. Dave Ramsey: What do you do? ​Caller: I'm a trim carpenter. I trim high-end houses and build some custom cabinets as well. ​Jade Warshaw: Do you have any debt? ​Caller: I've got about $25,000 worth of mortgage and a $20,000 auto loan. ​Dave Ramsey: Why have you saved no money? ​Caller: I was married to a spender, and at the age of 50, got divorced, and I walked away with zero dollars. ​Dave Ramsey: That was eight years ago. Why have you saved no money in the last eight years? ​Caller: Well, getting back on my feet, I ended up buying a house. That's where the mortgage comes in. I've got $25,000 left on that. ​Jade Warshaw: So is that where your extra money was going, paying down that mortgage? What did it start as? ​Caller: Paying down the mortgage. It was a bank-owned property. I got it for a song in a great neighborhood. I put a fair amount of money into it, and that's where most of my money went. ​Dave Ramsey: And you bought a truck? ​Caller: No. I have a truck that's paid for. ​Dave Ramsey: What's the $20,000 vehicle? ​Caller: I know you're into cars, Dave. It's not a car. It's a motorcycle. It's a Harley-Davidson. ​Jade Warshaw: Well, we've got to get rid of that. ​Caller: I knew that was the first thing you were going to tell me to get rid of. ​Dave Ramsey: Yeah, that bike has to go. You did great on the house, but the motorcycle was a mistake. If we get you on an EveryDollar budget and you pick up extra work, you can save $2,000 a month. Over 10 years, that $24,000 a year will grow to about half a million dollars. By age 67, you’ll have $500,000 and a completely paid-for house. ​Caller: Okay. I do have about $23,000 in cash. ​Dave Ramsey: Well, then you've got your emergency fund in place. ​Jade Warshaw: That's great! ​Caller: I do have the emergency fund, right. I also have a term life insurance policy that's $100 a month for half a million dollars. Should I keep that, or is there a way to convert that to something else? ​Dave Ramsey: I wouldn't convert. It's just like, "I have homeowner's insurance and I don't have a home anymore, do I need it?" No, you don't. Because there's no one counting on you, it sounds like, for your income. ​Caller: No. ​Dave Ramsey: And the house is worth more than you owe on it. Do you have children? ​Caller: I've got three. They're grown. ​Dave Ramsey: Okay, so if you die, they sell the house and pay the funeral, right? ​Caller: Correct. ​Jade Warshaw: Let it lapse. ​Dave Ramsey: Yeah, I would close that out because you need that extra $100 a month toward our $2,000 a month goal. ​So, what I'm going to do is sit down and do a budget, and I'm going to come up with $2,000 a month. I'm going to sit down with a SmartVestor Pro, and I'm going to fill up Roth IRAs, Simple IRAs, and whatever else you can do as a self-employed person. The great news is, as a trim carpenter in high-end properties, you are in great demand. You've always had more work than you can take on. ​And so if you want to jack it up and make some extra money for a little while, you can do that. I'm always less tired when I don't feel like a hamster in a wheel, when I'm actually getting traction. Part of what's making you tired is you feel stuck.

Traeyz ♠️

425,326 görüntüleme • 2 ay önce

50 Free Sites to Save Your Home and Personal Finances 1.) → Repair any device yourself 2.) → User manual for every device 3.) → Spare parts and repair schematics 4.) → White goods fault diagnosis 5.) → Handmade project archive 6.) → Home repair guides 7.) → Renovation and maintenance manuals 8.) → Woodworking basics 9.) → Free furniture drawings 10.) → Homemade furniture plans 11.) → Free 3D home design 12.) → Room layout planning 13.) → Furniture placement trials 14.) → Wall color palette selection 15.) → Decoration ideas archive 16.) → Accurate measurements and conversion tables 17.) → Calculator for every topic 18.) → Credit and interest calculations 19.) → Turkey credit comparison 20.) → Official institutions and interest data 21.) → Inflation and price statistics 22.) → Card and payment system information 23.) → Credit score tracking 24.) → Your own credit records 25.) → Retirement and premium inquiry 26.) → All official transactions in one place 27.) → Tax information and declaration 28.) → Consumer rights and complaints 29.) → Company complaints and solutions 30.) → Arbitration committee application 31.) → Up-to-date versions of laws 32.) Via e-devlet → Title deed and land inquiry 33.) → Land and parcel information 34.) → Zoning and environmental plans 35.) → Earthquake risk and preparation guide 36.) → Building earthquake regulations 37.) → Energy saving guides 38.) → Bill reduction methods 39.) → Real consumption of devices 40.) → Lists of the most efficient white goods 41.) → Water saving calculation 42.) → How to recycle what 43.) → Waste reduction guide 44.) → Product test results 45.) → Detailed tests of electronic products 46.) → Side-by-side comparison of two products 47.) → Product's historical price chart 48.) → Turkey price comparison 49.) → Product price tracking 50.) → Free alternative to paid software Earning money is hard. But not wasting it can be learned.
0:31

50 Free Sites to Save Your Home and Personal Finances 1.) → Repair any device yourself 2.) → User manual for every device 3.) → Spare parts and repair schematics 4.) → White goods fault diagnosis 5.) → Handmade project archive 6.) → Home repair guides 7.) → Renovation and maintenance manuals 8.) → Woodworking basics 9.) → Free furniture drawings 10.) → Homemade furniture plans 11.) → Free 3D home design 12.) → Room layout planning 13.) → Furniture placement trials 14.) → Wall color palette selection 15.) → Decoration ideas archive 16.) → Accurate measurements and conversion tables 17.) → Calculator for every topic 18.) → Credit and interest calculations 19.) → Turkey credit comparison 20.) → Official institutions and interest data 21.) → Inflation and price statistics 22.) → Card and payment system information 23.) → Credit score tracking 24.) → Your own credit records 25.) → Retirement and premium inquiry 26.) → All official transactions in one place 27.) → Tax information and declaration 28.) → Consumer rights and complaints 29.) → Company complaints and solutions 30.) → Arbitration committee application 31.) → Up-to-date versions of laws 32.) Via e-devlet → Title deed and land inquiry 33.) → Land and parcel information 34.) → Zoning and environmental plans 35.) → Earthquake risk and preparation guide 36.) → Building earthquake regulations 37.) → Energy saving guides 38.) → Bill reduction methods 39.) → Real consumption of devices 40.) → Lists of the most efficient white goods 41.) → Water saving calculation 42.) → How to recycle what 43.) → Waste reduction guide 44.) → Product test results 45.) → Detailed tests of electronic products 46.) → Side-by-side comparison of two products 47.) → Product's historical price chart 48.) → Turkey price comparison 49.) → Product price tracking 50.) → Free alternative to paid software Earning money is hard. But not wasting it can be learned.

Monica

19,698 görüntüleme • 20 gün önce

Fiona Bruce, "Nigel Farage is facing questions about Reform UK's claim that he used money earned from appearing on a TV show to buy a £1.4m home" "Last week the party told the BBC the Reform UK leader bought the house without a mortgage by using his fee from I'm A Celebrity Get Me Out Of Here" "But his company accounts appear to suggest that his situation is more complex" Joe Pike, "Nigel Farage bought this sprawling Surrey property in 2024 in cash as you say, there was no mortgage" "Last week we were told by Reform UK he used the appearance fee on I'm A Celebrity to fund that house purchase" "Mr Farage previously said the money from that TV appearance, said to be over £1m was put into his private company" "Yet we and others have been looking into those company accounts today and they appear to suggest the income remained in the account after that house purchase" "Now Reform UK have denied that Mr Farage used any of the unconditional £5m gift that he received from the crypto billionaire Chrstopher Harborne who has been living in Thailand for over 20 years, when buying that property 36 days after he had received the gift" "They also point out that anti money laundering check were put through as the property purchase took place in March before the gift happened in April, with the purchase in May" "Opposition parties have criticised Mr Farage to answer more questions" "It's another example of Reform UK and Mr Farage becoming more prominent, doing better in polls and elections, therefore facing far more scrutiny over his finances and his background"
1:40

Fiona Bruce, "Nigel Farage is facing questions about Reform UK's claim that he used money earned from appearing on a TV show to buy a £1.4m home" "Last week the party told the BBC the Reform UK leader bought the house without a mortgage by using his fee from I'm A Celebrity Get Me Out Of Here" "But his company accounts appear to suggest that his situation is more complex" Joe Pike, "Nigel Farage bought this sprawling Surrey property in 2024 in cash as you say, there was no mortgage" "Last week we were told by Reform UK he used the appearance fee on I'm A Celebrity to fund that house purchase" "Mr Farage previously said the money from that TV appearance, said to be over £1m was put into his private company" "Yet we and others have been looking into those company accounts today and they appear to suggest the income remained in the account after that house purchase" "Now Reform UK have denied that Mr Farage used any of the unconditional £5m gift that he received from the crypto billionaire Chrstopher Harborne who has been living in Thailand for over 20 years, when buying that property 36 days after he had received the gift" "They also point out that anti money laundering check were put through as the property purchase took place in March before the gift happened in April, with the purchase in May" "Opposition parties have criticised Mr Farage to answer more questions" "It's another example of Reform UK and Mr Farage becoming more prominent, doing better in polls and elections, therefore facing far more scrutiny over his finances and his background"

Farrukh

95,257 görüntüleme • 4 ay önce

Update for my old friends on here. Good things: Murph and Micheál (like 37kg now !) thriving. How they have bonded and grown together really is such a beautiful thing 💚. Bad things: still no job Centrelink making me wait 3 mths before I can get anything ( 2 weeks to go) basically ensuring we lose our home. Can't access super because need to be on centrelink for 26 weeks, by then home is gone ! Mortgage payments paused and even with two lodgers im going backwards in every sense of the word. Honestly, mentally and emotionally it's so difficult. Getting made redundant was one thing but the actual realisation the basic life and security you worked so so hard to build through hard work is literally hanging by a thread is what I'm now struggling with the most. Didn't think a return to depression and anxiety was part of the package but should have tbh. I feel like such a failure to all my friends on here that have supported me over the years. Losing my home is one thing and i would walk away from it in an instant, but with it also means losing my beloved puppys that have always kept me going. It's not the update I know you were hoping for but I'm still in the fight. Hopefully something turns up soon and the next post will be more upbeat. Phil, Murph, Micheál 💚
0:56

Update for my old friends on here. Good things: Murph and Micheál (like 37kg now !) thriving. How they have bonded and grown together really is such a beautiful thing 💚. Bad things: still no job Centrelink making me wait 3 mths before I can get anything ( 2 weeks to go) basically ensuring we lose our home. Can't access super because need to be on centrelink for 26 weeks, by then home is gone ! Mortgage payments paused and even with two lodgers im going backwards in every sense of the word. Honestly, mentally and emotionally it's so difficult. Getting made redundant was one thing but the actual realisation the basic life and security you worked so so hard to build through hard work is literally hanging by a thread is what I'm now struggling with the most. Didn't think a return to depression and anxiety was part of the package but should have tbh. I feel like such a failure to all my friends on here that have supported me over the years. Losing my home is one thing and i would walk away from it in an instant, but with it also means losing my beloved puppys that have always kept me going. It's not the update I know you were hoping for but I'm still in the fight. Hopefully something turns up soon and the next post will be more upbeat. Phil, Murph, Micheál 💚

LubiePhil

30,092 görüntüleme • 1 yıl önce

An entire empire was overthrown over a two percent tax on a breakfast beverage. Look at what you tolerate now. You are taxed when you earn it. Taxed when you spend it. Taxed when you save it. Taxed when you invest it. And when you die, they tax whatever is left. That is not a system. That is a harvest. You commute in a car you paid sales tax to buy. You drive it on roads you were already taxed to build. You fill it with gas taxed by the gallon. When you sell that car, the next buyer pays sales tax on it again. The same car. Taxed every time it changes hands. You arrive at a job where your salary is cut before it ever touches your hands. If you work for yourself, you pay both sides. Two people on paper. Neither one keeps what they earned. Then you go home. Every bill you open has a government standing behind it with its hand out. You buy a house with money they already took their share of. Then they charge you property tax on it every year for the rest of your life. You want to renovate your own kitchen. You need a permit. You want to build a deck on your own land. You need a permit. You pay for the property. Then you pay for permission to use it. Stop paying property tax and they seize your home. Not because you missed a mortgage payment. Because you missed a payment to the government for the privilege of keeping what is already yours. You do not own your home. You rent it from the state. If you leave something behind for your children, they are taxed on what you were already taxed to earn. The same wealth. Taxed at every stage of your life. Then taxed one final time because you had the audacity to die. They found a way to monetize your absence. We are told this is the price of civilization. It is not. It is architecture. The most effective prison ever built is the one where the inmates believe they are free. They did not take your freedom. They priced you out of it. If you kept the full value of your labor, you would be free within years. Not decades. Years. The system cannot allow that. A machine built on consumption needs a consumer that never stops. You did not sign a social contract. You were assigned one. Now pay attention. They spent decades perfecting the extraction of your productivity. Now they are building the technology to replace you. AI is not coming for your job because corporations are greedy. It is coming because a system that already takes half your output just realized it can take all of it. Without needing you in the equation. You were never the point of this arrangement. You were the input. And the moment they engineer a cheaper one, you become a rounding error on a quarterly earnings call. They did not build AI to free you. They built it to finish what the tax code started. It was never about the tea. It was about the precedent. Today we hand over half our waking lives and thank them for the potholes. You do not live in a free economy. You live in a subscription you never signed up for. And the penalty for canceling is everything you have.
0:57

An entire empire was overthrown over a two percent tax on a breakfast beverage. Look at what you tolerate now. You are taxed when you earn it. Taxed when you spend it. Taxed when you save it. Taxed when you invest it. And when you die, they tax whatever is left. That is not a system. That is a harvest. You commute in a car you paid sales tax to buy. You drive it on roads you were already taxed to build. You fill it with gas taxed by the gallon. When you sell that car, the next buyer pays sales tax on it again. The same car. Taxed every time it changes hands. You arrive at a job where your salary is cut before it ever touches your hands. If you work for yourself, you pay both sides. Two people on paper. Neither one keeps what they earned. Then you go home. Every bill you open has a government standing behind it with its hand out. You buy a house with money they already took their share of. Then they charge you property tax on it every year for the rest of your life. You want to renovate your own kitchen. You need a permit. You want to build a deck on your own land. You need a permit. You pay for the property. Then you pay for permission to use it. Stop paying property tax and they seize your home. Not because you missed a mortgage payment. Because you missed a payment to the government for the privilege of keeping what is already yours. You do not own your home. You rent it from the state. If you leave something behind for your children, they are taxed on what you were already taxed to earn. The same wealth. Taxed at every stage of your life. Then taxed one final time because you had the audacity to die. They found a way to monetize your absence. We are told this is the price of civilization. It is not. It is architecture. The most effective prison ever built is the one where the inmates believe they are free. They did not take your freedom. They priced you out of it. If you kept the full value of your labor, you would be free within years. Not decades. Years. The system cannot allow that. A machine built on consumption needs a consumer that never stops. You did not sign a social contract. You were assigned one. Now pay attention. They spent decades perfecting the extraction of your productivity. Now they are building the technology to replace you. AI is not coming for your job because corporations are greedy. It is coming because a system that already takes half your output just realized it can take all of it. Without needing you in the equation. You were never the point of this arrangement. You were the input. And the moment they engineer a cheaper one, you become a rounding error on a quarterly earnings call. They did not build AI to free you. They built it to finish what the tax code started. It was never about the tea. It was about the precedent. Today we hand over half our waking lives and thank them for the potholes. You do not live in a free economy. You live in a subscription you never signed up for. And the penalty for canceling is everything you have.

Dustin

27,930 görüntüleme • 5 ay önce

Tommy “Hitman” Hearns Is Missing The boxing champ earned $40 million in prize money, but fraudsters and grifters sapped his wealth as his health declined By Charlie LeDuff Charlie LeDuff Southfield — Tommy Hearns was once the greatest prize fighter in the world. Today, his family worries. Where in the world has the Champ gone? Tommy Hearns is missing. Hearns, 67, saw his Southfield estate foreclosed upon in April due to unpaid property taxes. The estate was then auctioned off to an investment company in September. Hearns was served eviction papers and told to get out by November. The problem is that Hearns isn’t aware of any of this, according to his daughter Natasha Hearns-Barnes. “He’s not doing well,” she told me. “You tell him something one day and he understands what you’re saying. But the next day it goes unremembered what you told him.” For the past number of years, according to his daughter, Hearns’s affairs have been handled by his son, also named Thomas Hearns. She says her half-brother may have spirited their father away to some unknown location. Attempts to reach the younger Hearns proved fruitless. Phone calls and knocks on doors at affiliated addresses went unanswered. Hearns-Barnes showed me recent photographs chronicling the squalid conditions her father was living in before he disappeared. The refrigerator was nearly empty except for some bottled water and stale pizza slices. The basement was coated in black mold. I paid a visit to the Champ’s former home. Through the cracked and dirty windows, I could see that the ceilings were collapsing and many of Hearns’s possessions had been abandoned. His daughter filed for guardianship, citing mental deficiency, physical disability, and concern that her father’s property would vanish without proper management. But the Oakland County Probate Court, itself embroiled in scandal and incompetence, failed to protect the boxing legend. The court rejected her application via email due to a missing ZIP code. Tommy Hearns, who grew up in Detroit, won world titles in five different weight classes, making history as the first prize fighter to accomplish the feat. His bouts with Sugar Ray Leonard, Marvin Haggler, and Roberto Duran are remembered as some of the greatest and most savage fights ever. Hearns’s blinding speed and raw power earned him the sobriquets “Hit Man” and “Motor City Cobra.” Over the course of his 30-year career, Hearns earned more than $40 million in prize money. But relatives, hangers-on, and poor investments sapped Hearns of his wealth. In 2010, he was forced to auction off his robes, gloves, and classic cars to satisfy a $450,000 federal tax-lien. The Champ attended the auction and watched as his life was sold to the highest bidder. But he still had the 8,700 square-foot estate in Southfield sitting on two acres surrounded by woods. The mortgage was paid in full in 2020. So what happened? How did he lose a home he owned outright? A deep dive into the property tax records show that the elderly and dissipated Tommy Hearns may be an unwitting victim of fraud. In early January 2014, a second mortgage was filed against Hearns’s home, which was worth more than $1 million at the time. Less than 10 months later, that same mortgage was foreclosed upon. The amount of that mortgage? Just $90,000. A company called C & S Management filed a claim to the home. The man who controlled C & S Management is also the man who issued the mortgage. He then foreclosed on the mortgage and even drafted the business paper work on Tommy Hearns’s behalf. His name is Jack Wolfe. Wolfe is currently serving time in the state penitentiary for forging dead people’s signatures, creating fake deeds and property documents to steal people’s homes. Following the 2014 “mortgage” foreclosure, there were a flurry of transactions between Wolfe’s shell corporations and the Hearns estate with no apparent purpose other than to squeeze equity from the home. The last transaction involving a Wolfe shell company and Hearns’s Southfield home was in October 2019, in which the younger Tommy Hearns was deeded a percentage of his father’s home. The scams Wolfe perpetrated against Hearn’ came to an end in 2020 when Wolfe was busted by television reporter Rob Wolchek of Fox 2 News. That’s the same year when the true mortgage issuer—CitiBank—discharged the loan to Hearns, making him the outright homeowner. That’s also the last year that property taxes were paid for Tommy Hearns’s estate. There is a ray of hope in all of this. The county auctioned off Hearns’s home for $226,000. But the tax arrearage was only $100,000. By law, Hearns is entitled to the remaining proceeds, which would be $126,000. According to property records, it does not appear that the money was ever collected. The legal time window to collect that money has closed. But according to a probate lawyer who has offered to represent the Champ’s interests pro bono, there is a chance he could at least collect that money. At most, he might be able to get his home back. The problem is Tommy Hearns has gone missing. Where are you Champ? We’re here and want to help you.
1:29

Tommy “Hitman” Hearns Is Missing The boxing champ earned $40 million in prize money, but fraudsters and grifters sapped his wealth as his health declined By Charlie LeDuff Charlie LeDuff Southfield — Tommy Hearns was once the greatest prize fighter in the world. Today, his family worries. Where in the world has the Champ gone? Tommy Hearns is missing. Hearns, 67, saw his Southfield estate foreclosed upon in April due to unpaid property taxes. The estate was then auctioned off to an investment company in September. Hearns was served eviction papers and told to get out by November. The problem is that Hearns isn’t aware of any of this, according to his daughter Natasha Hearns-Barnes. “He’s not doing well,” she told me. “You tell him something one day and he understands what you’re saying. But the next day it goes unremembered what you told him.” For the past number of years, according to his daughter, Hearns’s affairs have been handled by his son, also named Thomas Hearns. She says her half-brother may have spirited their father away to some unknown location. Attempts to reach the younger Hearns proved fruitless. Phone calls and knocks on doors at affiliated addresses went unanswered. Hearns-Barnes showed me recent photographs chronicling the squalid conditions her father was living in before he disappeared. The refrigerator was nearly empty except for some bottled water and stale pizza slices. The basement was coated in black mold. I paid a visit to the Champ’s former home. Through the cracked and dirty windows, I could see that the ceilings were collapsing and many of Hearns’s possessions had been abandoned. His daughter filed for guardianship, citing mental deficiency, physical disability, and concern that her father’s property would vanish without proper management. But the Oakland County Probate Court, itself embroiled in scandal and incompetence, failed to protect the boxing legend. The court rejected her application via email due to a missing ZIP code. Tommy Hearns, who grew up in Detroit, won world titles in five different weight classes, making history as the first prize fighter to accomplish the feat. His bouts with Sugar Ray Leonard, Marvin Haggler, and Roberto Duran are remembered as some of the greatest and most savage fights ever. Hearns’s blinding speed and raw power earned him the sobriquets “Hit Man” and “Motor City Cobra.” Over the course of his 30-year career, Hearns earned more than $40 million in prize money. But relatives, hangers-on, and poor investments sapped Hearns of his wealth. In 2010, he was forced to auction off his robes, gloves, and classic cars to satisfy a $450,000 federal tax-lien. The Champ attended the auction and watched as his life was sold to the highest bidder. But he still had the 8,700 square-foot estate in Southfield sitting on two acres surrounded by woods. The mortgage was paid in full in 2020. So what happened? How did he lose a home he owned outright? A deep dive into the property tax records show that the elderly and dissipated Tommy Hearns may be an unwitting victim of fraud. In early January 2014, a second mortgage was filed against Hearns’s home, which was worth more than $1 million at the time. Less than 10 months later, that same mortgage was foreclosed upon. The amount of that mortgage? Just $90,000. A company called C & S Management filed a claim to the home. The man who controlled C & S Management is also the man who issued the mortgage. He then foreclosed on the mortgage and even drafted the business paper work on Tommy Hearns’s behalf. His name is Jack Wolfe. Wolfe is currently serving time in the state penitentiary for forging dead people’s signatures, creating fake deeds and property documents to steal people’s homes. Following the 2014 “mortgage” foreclosure, there were a flurry of transactions between Wolfe’s shell corporations and the Hearns estate with no apparent purpose other than to squeeze equity from the home. The last transaction involving a Wolfe shell company and Hearns’s Southfield home was in October 2019, in which the younger Tommy Hearns was deeded a percentage of his father’s home. The scams Wolfe perpetrated against Hearn’ came to an end in 2020 when Wolfe was busted by television reporter Rob Wolchek of Fox 2 News. That’s the same year when the true mortgage issuer—CitiBank—discharged the loan to Hearns, making him the outright homeowner. That’s also the last year that property taxes were paid for Tommy Hearns’s estate. There is a ray of hope in all of this. The county auctioned off Hearns’s home for $226,000. But the tax arrearage was only $100,000. By law, Hearns is entitled to the remaining proceeds, which would be $126,000. According to property records, it does not appear that the money was ever collected. The legal time window to collect that money has closed. But according to a probate lawyer who has offered to represent the Champ’s interests pro bono, there is a chance he could at least collect that money. At most, he might be able to get his home back. The problem is Tommy Hearns has gone missing. Where are you Champ? We’re here and want to help you.

Michigan Enjoyer

311,675 görüntüleme • 9 ay önce

✨ It's not even 2026 yet, but you can start using AI world models today! This is World Labs running inside my app 🏡 Interior AI letting you redesign your home with AI and then walk through it! It's really cool and of course not perfect especially since for now it's based on just one image, but multi-image will allow for more precise understanding of the room As always this is just the first version, and it'll get better from here World Labs is founded by Fei-Fei Li, a Computer Science professor from Stanford University, and other people like Justin Johnson, Christoph Lassner, and Ben Mildenhall "each a world-renowned technologist in computer vision and graphics" The tech essentially comes down to img2splat, search what a guassian splat is if you don't know It's in beta and wait list, but I'm trying to get this live for everyone as soon as possible as it seems like such an essential feature for interior design P.S. I also tried to worldify people photos (for Photo AI) but World Labs for safety right now seems to block it off and make it a black square, maybe in the future
0:44

✨ It's not even 2026 yet, but you can start using AI world models today! This is World Labs running inside my app 🏡 Interior AI letting you redesign your home with AI and then walk through it! It's really cool and of course not perfect especially since for now it's based on just one image, but multi-image will allow for more precise understanding of the room As always this is just the first version, and it'll get better from here World Labs is founded by Fei-Fei Li, a Computer Science professor from Stanford University, and other people like Justin Johnson, Christoph Lassner, and Ben Mildenhall "each a world-renowned technologist in computer vision and graphics" The tech essentially comes down to img2splat, search what a guassian splat is if you don't know It's in beta and wait list, but I'm trying to get this live for everyone as soon as possible as it seems like such an essential feature for interior design P.S. I also tried to worldify people photos (for Photo AI) but World Labs for safety right now seems to block it off and make it a black square, maybe in the future

@levelsio

430,981 görüntüleme • 1 yıl önce

Today, we were honored to celebrate U.S. Marine Corps Corporal (Ret.) Brad Ivanchan, as he moves into his mortgage-free, specially adapted smart home built by the Gary Sinise Foundation. Brad joined the Marines on his 19th birthday, inspired by his grandfather who served in WWII. He went on to lead a squad of 12 Marines in Afghanistan’s Helmand Province - one of the most dangerous regions of the war. On June 13, 2012, while on a night patrol, Brad stepped on a hidden IED. The explosion cost him both legs and severely injured his left arm and hand. As his squad rushed to his aid, two more IEDs detonated, injuring several Marines and claiming the life of his close friend, Cpl. Taylor Baune. Through years of surgeries, recovery, and immense perseverance, Brad has proven that his life is not defined by his injuries. As he shared, “To have a place that I can grow old in and raise a family, without worrying about all the what if’s... it would allow me to live life as close to normal as possible.” This home will give Brad the freedom, stability, and peace he deserves. Welcome home, Brad, and thank you for your service. 💙 A special thank you to the American people and our amazing partners, without whom this would not be possible: Shubert Design, US LBM, and Krishna Compressors We also want to thank the following partners for dedicating their time, energy, generosity, and resources to the construction of Brad’s home: The Marcus Foundation, Sunbelt Rentals, The Home Depot Foundation, Owens Corning, DAV, Amazon, Huber Enginerred Woods, McDermott Will & Schultz, Nice, Duke Cannon, Cabinentworks, Jeld Wen, LP Building Solutions, Installed Building Products, Winston and Strain, Kaishan, Builders FirstSource, Nucor Rebar Fabrication, Natural Stone Institute, National Wood Flooring Association, Sonoran Desert Homes, BEHR, Broan NuTone, Daltile, Encore Wire, Ferguson, MAPEI, North American Moving Services, Rheem, Simple Green
5:08

Today, we were honored to celebrate U.S. Marine Corps Corporal (Ret.) Brad Ivanchan, as he moves into his mortgage-free, specially adapted smart home built by the Gary Sinise Foundation. Brad joined the Marines on his 19th birthday, inspired by his grandfather who served in WWII. He went on to lead a squad of 12 Marines in Afghanistan’s Helmand Province - one of the most dangerous regions of the war. On June 13, 2012, while on a night patrol, Brad stepped on a hidden IED. The explosion cost him both legs and severely injured his left arm and hand. As his squad rushed to his aid, two more IEDs detonated, injuring several Marines and claiming the life of his close friend, Cpl. Taylor Baune. Through years of surgeries, recovery, and immense perseverance, Brad has proven that his life is not defined by his injuries. As he shared, “To have a place that I can grow old in and raise a family, without worrying about all the what if’s... it would allow me to live life as close to normal as possible.” This home will give Brad the freedom, stability, and peace he deserves. Welcome home, Brad, and thank you for your service. 💙 A special thank you to the American people and our amazing partners, without whom this would not be possible: Shubert Design, US LBM, and Krishna Compressors We also want to thank the following partners for dedicating their time, energy, generosity, and resources to the construction of Brad’s home: The Marcus Foundation, Sunbelt Rentals, The Home Depot Foundation, Owens Corning, DAV, Amazon, Huber Enginerred Woods, McDermott Will & Schultz, Nice, Duke Cannon, Cabinentworks, Jeld Wen, LP Building Solutions, Installed Building Products, Winston and Strain, Kaishan, Builders FirstSource, Nucor Rebar Fabrication, Natural Stone Institute, National Wood Flooring Association, Sonoran Desert Homes, BEHR, Broan NuTone, Daltile, Encore Wire, Ferguson, MAPEI, North American Moving Services, Rheem, Simple Green

GarySiniseFoundation

20,792 görüntüleme • 11 ay önce

I delivered my opening statement at the 2026 FLCA Governors Forum: "This is a race that is not about different men. It is about two radically different visions our state can go in." "I'm going to tell you up front right now: if Ron DeSantis could run for a third term, I would not be on this stage, because Ron DeSantis is the greatest governor in Florida history." "The next governor of this state must preserve the incredible conservative wins that Ron DeSantis and the First Lady have given us. We have to preserve those wins, and when we do that, we can then begin to build on them." "Stop the irresponsible, reckless building and development. Florida is full. Since COVID, Florida has welcomed over 800,000 people from all over the country." "Housing inflation, housing shortages, skyrocketing property tax, property insurance, auto insurance, HOAs, condominiums, your light bill. Everything is out of this world expensive, and the trajectory, it's not going to get any better." "From AI data centers taking your water and your electric bill, to H-1Bs, cheap foreign labor from India and China taking your job, your kid's job, or your grandkid's job. The threats are real." "I am running to be the next governor of Florida as a fourth-generation Floridian, because I believe that Florida is our home, America is our birthright, and no one should ever be able to steal that from us."
2:19

I delivered my opening statement at the 2026 FLCA Governors Forum: "This is a race that is not about different men. It is about two radically different visions our state can go in." "I'm going to tell you up front right now: if Ron DeSantis could run for a third term, I would not be on this stage, because Ron DeSantis is the greatest governor in Florida history." "The next governor of this state must preserve the incredible conservative wins that Ron DeSantis and the First Lady have given us. We have to preserve those wins, and when we do that, we can then begin to build on them." "Stop the irresponsible, reckless building and development. Florida is full. Since COVID, Florida has welcomed over 800,000 people from all over the country." "Housing inflation, housing shortages, skyrocketing property tax, property insurance, auto insurance, HOAs, condominiums, your light bill. Everything is out of this world expensive, and the trajectory, it's not going to get any better." "From AI data centers taking your water and your electric bill, to H-1Bs, cheap foreign labor from India and China taking your job, your kid's job, or your grandkid's job. The threats are real." "I am running to be the next governor of Florida as a fourth-generation Floridian, because I believe that Florida is our home, America is our birthright, and no one should ever be able to steal that from us."

James Fishback

14,294 görüntüleme • 4 ay önce

CONFIRMED: Gavin Newsom is about to mass remove the elderly from Medi-Cal “I am an eligibility worker in the state of California. I issue the Medicaid, what we call in California, Medi-Cal benefits. I've been doing it for 20 years” Starting January 1st 2026: “This is what's going to happen. You will have the reinstatement of the asset limits. Meaning, if you are a single person for one individual, the asset limit at this time will be $130,000” “Who this pertains to is our elderly 65+, disabled household members, individuals and married couples or people living in long-term care and people who are on what is called the Medicare Savings Program. As of January 1st, 2026, you will be subjected to the asset limits test. What does that mean? That means a worker like me will be requesting proof of your bank statements, DMV registrations, life insurance policies, mortgages, deeds, trusts, stocks, bonds, IRAs. Let me simplify it for you. Basically anything, any financial liquid asset or real property asset tied to your name, we're gonna need verification of that when you A, apply for benefits or B, renew your Medi-Cal benefits” Meaning if you have $130,000 in assets or a home worth over $130,000 YOU WILL LOSE YOUR HEALTH COVERAGE Gavin Newsom is literally kicking millions of seniors off healthcare
5:31

CONFIRMED: Gavin Newsom is about to mass remove the elderly from Medi-Cal “I am an eligibility worker in the state of California. I issue the Medicaid, what we call in California, Medi-Cal benefits. I've been doing it for 20 years” Starting January 1st 2026: “This is what's going to happen. You will have the reinstatement of the asset limits. Meaning, if you are a single person for one individual, the asset limit at this time will be $130,000” “Who this pertains to is our elderly 65+, disabled household members, individuals and married couples or people living in long-term care and people who are on what is called the Medicare Savings Program. As of January 1st, 2026, you will be subjected to the asset limits test. What does that mean? That means a worker like me will be requesting proof of your bank statements, DMV registrations, life insurance policies, mortgages, deeds, trusts, stocks, bonds, IRAs. Let me simplify it for you. Basically anything, any financial liquid asset or real property asset tied to your name, we're gonna need verification of that when you A, apply for benefits or B, renew your Medi-Cal benefits” Meaning if you have $130,000 in assets or a home worth over $130,000 YOU WILL LOSE YOUR HEALTH COVERAGE Gavin Newsom is literally kicking millions of seniors off healthcare

Wall Street Apes

826,898 görüntüleme • 1 yıl önce