On Fri, 8 Mar 2024 10:53:16 -0500, Zen Cycle <funkmaster@hotmail.com>
wrote:

>On 3/7/2024 6:50 PM, sms wrote:
>> On 3/7/2024 2:27 PM, Jeff Liebermann wrote:
>>
>> <snip>
>>
>>> There's also a reverse mortgage.  Tom might have already done that in
>>> 2011.  Between 02/17/2010 and 10/23/2011, the house was listed for
>>> sale.  The final entry was "listing removed" which means it didn't
>>> sell.
>>
>> Possible, but unlikely, that he would fall for the reverse-mortgage scam.
>
>wait...you remember this is kunich we're talking about...the guy who
>thinks there was no recession before obama took office and thinks the
>secretary of the treasury directs the chairman of the fed.....is
>unlikely to fall for a financial scam?
>
>Setting aside that imo tommy is probably the _most_ likely person in
>this forum to get scammed, I don't think reverse mortgages are any more
>susceptible to fraud or mismanagement than any other mortgage-type of
>financial tool. Certain types of reverse mortgages are sponsored and
>guaranteed by the government.
>
>https://www.forbes.com/advisor/mortgages/reverse-mortgages/
>
>> Banks are so picky right now that they're not going to lend a lot of
>> money to someone with no job, no assets other than some home equity, and
>> only income from Social Security.
>>
>
>Actually, someone with no job, no assets other than some home equity,
>and only income from Social Security are exactly the demographic that
>reverse mortgages target, especially those run by less reputable companies.

All of the larger banks stopped doing reverse mortgages in 2012.
<https://reverse.mortgage/banks-that-offer-retreat>

It's an interesting coincidence that Tom stopped trying to sell his
house and started paying his taxes on time in 2010, just before the
big banks pulled out of the reverse mortgage market. See my comments
and guesses at:
Message-ID: <itqhuipcm6tlufe23nqtmd843ukbq934p9@4ax.com>

I'm busy today. I should be back to add some details in a day or
three.

--
Jeff Liebermann jeffl@cruzio.com
PO Box 272 http://www.LearnByDestroying.com
Ben Lomond CA 95005-0272
Skype: JeffLiebermann AE6KS 831-336-2558

On Thu Mar 7 14:27:21 2024 Jeff Liebermann wrote:
> On Thu, 7 Mar 2024 13:57:00 -0800, sms <scharf.steven@geemail.com>
> wrote:
>
> >On 3/6/2024 2:47 PM, Jeff Liebermann wrote:
>
> What did I write that would inspire your comment?
>
> Tom is abusing and misusing the term "worth". His favorite self
> description is something like "I'm worth $1 million today". The term
> "worth" alone means the sum of all his assets without any
> considerations for liabilities, cost of sales, taxes, commissions, or
> any other costs involved in converting Tom's "worth" into cash. In
> other words, a useless description. "Net worth" would be a more
> accurate term:
> <https://www.investopedia.com/terms/n/networth.asp>
> "Net worth is the value of the assets a person or corporation owns,
> minus the liabilities they owe."
> At this time I don't know how deep in dept Tom might be. For all I
> know, Tom's "net worth" might be negative.
>
> >Using the value of your house as part of your net worth is very
> >misleading, especially in the Bay Area. That is not real money that you
> >have access to. You'd have to sell your property and pay a lot of
> >capital gains taxes, then you'd have to move somewhere else and buy or
> >rent. There are no taxes on the paper increase in value of your house
> >until you sell. To claim that that paper profit as income is ludicrous.
>
> There's also a reverse mortgage. Tom might have already done that in
> 2011. Between 02/17/2010 and 10/23/2011, the house was listed for
> sale. The final entry was "listing removed" which means it didn't
> sell.
>
> --
> Jeff Liebermann jeffl@cruzio.com
> PO Box 272 http://www.LearnByDestroying.com
> Ben Lomond CA 95005-0272
> Skype: JeffLiebermann AE6KS 831-336-2558

So after I had my concussion and couldn't tell what was going on I did a lot of things that I wouldn't normally do. Where did you get the idea that I took out a reverse mortgage? In your hopeful imagination? I evidently did put the house up for sale since there was a MUCH more expensive house on Estidillo that I could have bought for the same price I was going to sell mine for and still keep my proposition 13 taxes. But that house rapidly soold and I took mine off of the market.

This is what happens if you don't really know what you're doing and are taking the advice of your younger brother who was an economics dunce almost on a level with John who has trouble adding two and two.

Tell me Liebermann, are you denying that I own my home which is a matter of public record? Reverse mortgages means that you SELL your home to the bank who become the legal owner. They pay you in installments and allow you to live in it until death. Or is your moronic brain incapable of handling these simple things?

Again, every posting of yours demonstrates more and more that you have lost touch with reality. One of the effects of the mRNA vaccines is that there has been a large increase in dementia. I think that you should get yourself checked out. Or you can blather on here as if you were important. Joe Biden has been doing that.

On Fri, 08 Mar 2024 15:55:59 GMT, Tom Kunich <cyclintom@yahoo.com>
wrote:

>On Wed Mar 6 14:47:49 2024 Jeff Liebermann wrote:
>> On Wed, 6 Mar 2024 16:14:19 -0500, Zen Cycle <funkmaster@hotmail.com>
>> wrote:
>>
>> >On 3/5/2024 7:33 PM, Jeff Liebermann wrote:
>> >> On Sat, 24 Feb 2024 21:06:18 GMT, Tom Kunich <cyclintom@yahoo.com>
>> >> wrote:
>> >>
>> >>> I made 5 times more money than a years worth of property taxes last month alone and it was a bad month. I pay no income taxes and I watch experts like you complain about sales taxes.
>> >>
>> >> Looking up your property tax history on the Alameda Country site, it
>> >> shows that you paid $2,813.95 this year (2023-2024). Five times that
>> >> would be:
>> >> $2,814 * 5 = $14,070 per month
>> >> $14,070 * 12 months/year = $168,840/year income.
>> >> To go from $1 million to $2 million "worth" almost overnight, you
>> >> would have had to have saved all the money you "made" for 5.9 years
>> >> without spending any money on food, taxes, gasoline, bicycle, etc.
>> >> That's not very likely.
>> >>
>> >> It's really amazing that you could make that much money in such a
>> >> short time without a working knowledge of the arithmetic.
>>
>> >Not to mention how he made all that money in this horrible Biden recession!
>>
>> Yep, it's all Biden's fault:
>>
>> 01/20/2023
>> <https://groups.google.com/g/rec.bicycles.tech/c/85qODEJbdFE/m/uHojwq_tAQAJ>
>> "If I had not needed to cash in my stock option to gain cancer
>> treatments for my mother and then getting a divorce, I would easily
>> have been a multimillionaire. Instead I am only worth about a million
>> and a half due to Biden's latest market recession."
>>
>> >I'm surprised however you didn't note how he claims to be making that
>> >much without paying income tax - did tommy just admit to tax fraud?
>>
>> I did include *taxes*. See below.
>>
>> >> To go from $1 million to $2 million "worth" almost overnight, you
>> >> would have had to have saved all the money you "made" for 5.9 years
>> >> without spending any money on food, *taxes*, gasoline, bicycle, etc.
>> >> That's not very likely.
>>
>> Hmmm... I just took a closer look at Tom's current property tax bill.
>> After 2011, Tom paid both 1st and 2nd property tax payments before the
>> 1st payment was due, usually between October and December. Very good.
>> Before 2011, Tom was routinely paying a 10% late fee for paying the
>> first installment late. This time, he again began paying the 1st
>> installment late, which again included a 10% ($134) late fee. Is Tom
>> running out of cash? It's difficult to tell, but something certainly
>> has changed.
>>
>> According to CA Govt Code ? 6254.21 (2021), Tom is entitled to hide
>> his physical address and information in various ways. None of these
>> ways would stop anyone beyond a total beginner from searching the
>> internet and finding any public information. However, I'll pretend to
>> follow the law and not provide URL's.

>So, according to Liebermann, after I had my head injury and had severe memory failures I was screwing up on my taxes. And after I started getting clear of that damage I started paying my taxes on time or early, Do you all have his intensely interested speel?

On Dec 12, 2016, you posted a message announcing that you had crashed
on or before Dec 18, 2009. However, the message has disappeared or
expired:
<https://medium.com/@cyclintom/on-dec-18-2009-i-was-riding-my-bicycle-with-a-group-and-we-were-coming-off-of-a-bicycle-trail-9f9d582a9b42>
It's rather odd that you should wait about 6 year to announce that you
had crashed.

<https://www.linkedin.com/feed/update/urn:li:ugcPost:6912346811772932096/
"I got a severe concussion in 2010 that led to a type of seizures that
I didn't remember afterwards. This wasn't discovered and treated
properly until 2012 after 4 car wrecks luckily without any injuries"

I really don't know the sequence of events, but if these postings are
correct, you should have had plenty of time to sign obtain the reverse
mortgage before you crashed, before the big banks exited the market in
2011-2012, and before you resumed paying your taxes (1st payment) on
time.

Busy for a day or three.

--
Jeff Liebermann jeffl@cruzio.com
PO Box 272 http://www.LearnByDestroying.com
Ben Lomond CA 95005-0272
Skype: JeffLiebermann AE6KS 831-336-2558

On Fri Mar 8 08:29:29 2024 Jeff Liebermann wrote:
> On Fri, 08 Mar 2024 15:55:59 GMT, Tom Kunich <cyclintom@yahoo.com>
> wrote:
>
> >On Wed Mar 6 14:47:49 2024 Jeff Liebermann wrote:
> >> On Wed, 6 Mar 2024 16:14:19 -0500, Zen Cycle <funkmaster@hotmail.com>
> >> wrote:
> >>
> >> >On 3/5/2024 7:33 PM, Jeff Liebermann wrote:
> >> >> On Sat, 24 Feb 2024 21:06:18 GMT, Tom Kunich <cyclintom@yahoo.com>
> >> >> wrote:
> >> >>
> >> >>> I made 5 times more money than a years worth of property taxes last month alone and it was a bad month. I pay no income taxes and I watch experts like you complain about sales taxes.
> >> >>
> >> >> Looking up your property tax history on the Alameda Country site, it
> >> >> shows that you paid $2,813.95 this year (2023-2024). Five times that
> >> >> would be:
> >> >> $2,814 * 5 = $14,070 per month
> >> >> $14,070 * 12 months/year = $168,840/year income.
> >> >> To go from $1 million to $2 million "worth" almost overnight, you
> >> >> would have had to have saved all the money you "made" for 5.9 years
> >> >> without spending any money on food, taxes, gasoline, bicycle, etc.
> >> >> That's not very likely.
> >> >>
> >> >> It's really amazing that you could make that much money in such a
> >> >> short time without a working knowledge of the arithmetic.
> >>
> >> >Not to mention how he made all that money in this horrible Biden recession!
> >>
> >> Yep, it's all Biden's fault:
> >>
> >> 01/20/2023
> >> <https://groups.google.com/g/rec.bicycles.tech/c/85qODEJbdFE/m/uHojwq_tAQAJ>
> >> "If I had not needed to cash in my stock option to gain cancer
> >> treatments for my mother and then getting a divorce, I would easily
> >> have been a multimillionaire. Instead I am only worth about a million
> >> and a half due to Biden's latest market recession."
> >>
> >> >I'm surprised however you didn't note how he claims to be making that
> >> >much without paying income tax - did tommy just admit to tax fraud?
> >>
> >> I did include *taxes*. See below.
> >>
> >> >> To go from $1 million to $2 million "worth" almost overnight, you
> >> >> would have had to have saved all the money you "made" for 5.9 years
> >> >> without spending any money on food, *taxes*, gasoline, bicycle, etc.
> >> >> That's not very likely.
> >>
> >> Hmmm... I just took a closer look at Tom's current property tax bill.
> >> After 2011, Tom paid both 1st and 2nd property tax payments before the
> >> 1st payment was due, usually between October and December. Very good.
> >> Before 2011, Tom was routinely paying a 10% late fee for paying the
> >> first installment late. This time, he again began paying the 1st
> >> installment late, which again included a 10% ($134) late fee. Is Tom
> >> running out of cash? It's difficult to tell, but something certainly
> >> has changed.
> >>
> >> According to CA Govt Code ? 6254.21 (2021), Tom is entitled to hide
> >> his physical address and information in various ways. None of these
> >> ways would stop anyone beyond a total beginner from searching the
> >> internet and finding any public information. However, I'll pretend to
> >> follow the law and not provide URL's.
>
> >So, according to Liebermann, after I had my head injury and had severe memory failures I was screwing up on my taxes. And after I started getting clear of that damage I started paying my taxes on time or early, Do you all have his intensely interested speel?
>
> On Dec 12, 2016, you posted a message announcing that you had crashed
> on or before Dec 18, 2009. However, the message has disappeared or
> expired:
> <https://medium.com/@cyclintom/on-dec-18-2009-i-was-riding-my-bicycle-with-a-group-and-we-were-coming-off-of-a-bicycle-trail-9f9d582a9b42>
> It's rather odd that you should wait about 6 year to announce that you
> had crashed.
>
> <https://www.linkedin.com/feed/update/urn:li:ugcPost:6912346811772932096/
> "I got a severe concussion in 2010 that led to a type of seizures that
> I didn't remember afterwards. This wasn't discovered and treated
> properly until 2012 after 4 car wrecks luckily without any injuries"
>
> I really don't know the sequence of events, but if these postings are
> correct, you should have had plenty of time to sign obtain the reverse
> mortgage before you crashed, before the big banks exited the market in
> 2011-2012, and before you resumed paying your taxes (1st payment) on
> time.
>
> Busy for a day or three.
>
>
> --
> Jeff Liebermann jeffl@cruzio.com
> PO Box 272 http://www.LearnByDestroying.com
> Ben Lomond CA 95005-0272
> Skype: JeffLiebermann AE6KS 831-336-2558

Then by all means show the public reacords of my sell of my home to a bank. Or admit that as usual you are totally wrong.

On Thu Mar 7 15:50:13 2024 sms wrote:
> On 3/7/2024 2:27 PM, Jeff Liebermann wrote:
>
> <snip>
>
> > There's also a reverse mortgage. Tom might have already done that in
> > 2011. Between 02/17/2010 and 10/23/2011, the house was listed for
> > sale. The final entry was "listing removed" which means it didn't
> > sell.
>
> Possible, but unlikely, that he would fall for the reverse-mortgage scam.
>
> Banks are so picky right now that they're not going to lend a lot of
> money to someone with no job, no assets other than some home equity, and
> only income from Social Security.
>
> --
> ?If you are not an expert on a subject, then your opinions about it
> really do matter less than the opinions of experts. It's not
> indoctrination nor elitism. It's just that you don't know as much as
> they do about the subject.??Tin Foil Awards
>

Steven, reverse mortages are not a scam. But they are almost always a bad deal. When I hadn't remarried my wife, were I to not have any money in the Biden hyper inflation economy, it might have made sense to sell my home to the bank. They become the owner, pay me in installments and allow me to live here until I die.

After Obama's Great Recession, which Flunky does not believe in, (BTW, this is a pure indication that Flunky does not have any investments) my investments went from $880,000 to $330,000 or more aptly, I was ruined. But Trump and Stifel brought me back to wealthy. So it looks like next year is going to be very enriching.

On Fri Mar 8 10:53:16 2024 Zen Cycle wrote:
> On 3/7/2024 6:50 PM, sms wrote:
> > On 3/7/2024 2:27 PM, Jeff Liebermann wrote:
> >
> > <snip>
> >
> >> There's also a reverse mortgage. Tom might have already done that in
> >> 2011. Between 02/17/2010 and 10/23/2011, the house was listed for
> >> sale. The final entry was "listing removed" which means it didn't
> >> sell.
> >
> > Possible, but unlikely, that he would fall for the reverse-mortgage scam.
>
> wait...you remember this is kunich we're talking about...the guy who
> thinks there was no recession before obama took office and thinks the
> secretary of the treasury directs the chairman of the fed.....is
> unlikely to fall for a financial scam?
>
> Setting aside that imo tommy is probably the _most_ likely person in
> this forum to get scammed, I don't think reverse mortgages are any more
> susceptible to fraud or mismanagement than any other mortgage-type of
> financial tool. Certain types of reverse mortgages are sponsored and
> guaranteed by the government.
>
> https://www.forbes.com/advisor/mortgages/reverse-mortgages/
>
>
>
> >
> > Banks are so picky right now that they're not going to lend a lot of
> > money to someone with no job, no assets other than some home equity, and
> > only income from Social Security.
> >
>
> Actually, someone with no job, no assets other than some home equity,
> and only income from Social Security are exactly the demographic that
> reverse mortgages target, especially those run by less reputable companies.
>
> --
> Add xx to reply
>

Wait! This is the guy who believes that a downturn in the economy before he entered office was some sort of guarantee of a recession of the size it was. The sheer ignorance of Flunky is pretty unbelievable. The fact is that the Great Recession occured under Obama no matter how much he tries to deny it.

On Fri Mar 8 10:53:16 2024 Zen Cycle wrote:
> On 3/7/2024 6:50 PM, sms wrote:
> > On 3/7/2024 2:27 PM, Jeff Liebermann wrote:
> >
> > <snip>
> >
> >> There's also a reverse mortgage. Tom might have already done that in
> >> 2011. Between 02/17/2010 and 10/23/2011, the house was listed for
> >> sale. The final entry was "listing removed" which means it didn't
> >> sell.
> >
> > Possible, but unlikely, that he would fall for the reverse-mortgage scam.
>
> wait...you remember this is kunich we're talking about...the guy who
> thinks there was no recession before obama took office and thinks the
> secretary of the treasury directs the chairman of the fed.....is
> unlikely to fall for a financial scam?
>
> Setting aside that imo tommy is probably the _most_ likely person in
> this forum to get scammed, I don't think reverse mortgages are any more
> susceptible to fraud or mismanagement than any other mortgage-type of
> financial tool. Certain types of reverse mortgages are sponsored and
> guaranteed by the government.
>
> https://www.forbes.com/advisor/mortgages/reverse-mortgages/
>
>
>
> >
> > Banks are so picky right now that they're not going to lend a lot of
> > money to someone with no job, no assets other than some home equity, and
> > only income from Social Security.
> >
>
> Actually, someone with no job, no assets other than some home equity,
> and only income from Social Security are exactly the demographic that
> reverse mortgages target, especially those run by less reputable companies.
>
> --
> Add xx to reply
>

I am certainly glad that I wasn't born into a life of ignorance and stupidity as you were.

On 3/8/2024 12:24 PM, Tom Kunich wrote:
>
> After Obama's Great Recession, which Flunky does not believe in, (BTW, this is a pure indication that Flunky does not have any investments) my investments went from $880,000 to $330,000 or more aptly, I was ruined.

What in HELL did you invest in? It must not have been U.S. stocks. See
https://www.cnn.com/interactive/2019/business/stock-market-by-president/index.html

--
- Frank Krygowski

On 3/8/2024 4:36 PM, Frank Krygowski wrote:
> On 3/8/2024 12:24 PM, Tom Kunich wrote:
>>
>> After Obama's Great Recession, which Flunky does not believe in, (BTW,
>> this is a pure indication that Flunky does not have any investments)
>> my investments went from $880,000 to $330,000 or more aptly, I was
>> ruined.
>
> What in HELL did you invest in? It must not have been U.S. stocks. See
> https://www.cnn.com/interactive/2019/business/stock-market-by-president/index.html
>

Tommy didn't invest in anything. He has no investments other than his
house which his mom gave to him. He never lost anything during the
bush/cheney recession because he didn't have anything invested.

He's so brole he can't even afford to replace the clogged faucets in his
house, and he's such a cuckold his wife wouldn't let him spend the money
on it anyway.

IOW, he was ruined before he ever got a start.

--
Add xx to reply

On Fri Mar 8 16:36:29 2024 Frank Krygowski wrote:
> On 3/8/2024 12:24 PM, Tom Kunich wrote:
> >
> > After Obama's Great Recession, which Flunky does not believe in, (BTW, this is a pure indication that Flunky does not have any investments) my investments went from $880,000 to $330,000 or more aptly, I was ruined.
>
> What in HELL did you invest in? It must not have been U.S. stocks. See
> https://www.cnn.com/interactive/2019/business/stock-market-by-president/index.html
>
> --
> - Frank Krygowski
>

Frank, only you could find a chart that didn't show Obama's Great Recession and believe it. Your dementia is breaking records.

On Fri Mar 8 16:53:19 2024 Zen Cycle wrote:
> On 3/8/2024 4:36 PM, Frank Krygowski wrote:
> > On 3/8/2024 12:24 PM, Tom Kunich wrote:
> >>
> >> After Obama's Great Recession, which Flunky does not believe in, (BTW,
> >> this is a pure indication that Flunky does not have any investments)
> >> my investments went from $880,000 to $330,000 or more aptly, I was
> >> ruined.
> >
> > What in HELL did you invest in? It must not have been U.S. stocks. See
> > https://www.cnn.com/interactive/2019/business/stock-market-by-president/index.html
> >
>
> Tommy didn't invest in anything. He has no investments other than his
> house which his mom gave to him. He never lost anything during the
> bush/cheney recession because he didn't have anything invested.
>
> He's so brole he can't even afford to replace the clogged faucets in his
> house, and he's such a cuckold his wife wouldn't let him spend the money
> on it anyway.
>
> IOW, he was ruined before he ever got a start.
>
> --
> Add xx to reply
>

Yet more evidence that you're a queer. Tell me Flunky - do you suppose for one second that anyone but the stupid 4 believes your bullshit? Am I suppose to care when I called up my investment counseller yesterday and asked him to send me $4,000 for dental work? It will be directly tramsferred to my bank account Monday. And gosh, I'm so afraid that you won't believe that. Strange that my dentist who just charged me $993 f0or repairing 3 cavities and the Reveal Diagnostics which did a full bone density scan to check for possible implants at $660 seemed satisfied with their payment.

I ordered an FSA 386EVO bottom bracket from a Colorado comopany 4 days ago and they still haven't mailed it. They must be almost as competent as you are.

On 3/8/2024 1:53 PM, Zen Cycle wrote:
> On 3/8/2024 4:36 PM, Frank Krygowski wrote:
>> On 3/8/2024 12:24 PM, Tom Kunich wrote:
>>>
>>> After Obama's Great Recession, which Flunky does not believe in,
>>> (BTW, this is a pure indication that Flunky does not have any
>>> investments) my investments went from $880,000 to $330,000 or more
>>> aptly, I was ruined.
>>
>> What in HELL did you invest in? It must not have been U.S. stocks. See
>> https://www.cnn.com/interactive/2019/business/stock-market-by-president/index.html
>>
>
> Tommy didn't invest in anything. He has no investments other than his
> house which his mom gave to him. He never lost anything during the
> bush/cheney recession because he didn't have anything invested.
>
> He's so brole he can't even afford to replace the clogged faucets in his
> house, and he's such a cuckold his wife wouldn't let him spend the money
> on it anyway.
>
> IOW, he was ruined before he ever got a start.
>

He’s just confused about what the market did and when.

Clinton
-------
1993 9.97%
1994 1.33%
1995 37.20%
1996 22.68%
1997 33.10%
1998 28.34%
1999 20.89%
2000 -9.03%

Obama
-----
2009 +25.94%
2010 +14.82%
2011 +2.10%
2012 +15.89%
2013 +32.15%
2014 +13.52%
2015 +1.38%
2016 +11.77%

Biden
-----
2021 +28.70%
2022 -25.00%
2023 +26.29%

It was 2001-2008, during the George W. Bush presidency, when the market
had some steep declines due to the Republican-caused recession. The root
cause of the recession was defaults on mortgage loans, caused by
Republican deregulation of the banking industry. It was Republicans that
sought to weaken bank regulation.

Historically, the stock market has done better under Democratic
administrations, “the S&P 500 returned 8.4% annually on average under
Democrats, versus 2.7% under Republicans, a difference of 5.7%
percentage points.”

However it's important to understand that the stock market is not
necessarily the best indication of how the economy is doing. The
employment rate and unemployment rate are also important. Employment
went up by 0.13% under W, 1.04% under Obama, fell 0.51% under Trump, and
has gone up by 4.3% under Biden. For unemployment, the unemployment rate
fell under Democratic presidents by an average of 0.8 percentage points,
while it increased under Republican presidents by an average of 1.1
percentage points.

--
“If you are not an expert on a subject, then your opinions about it
really do matter less than the opinions of experts. It's not
indoctrination nor elitism. It's just that you don't know as much as
they do about the subject.”—Tin Foil Awards

On 3/10/2024 12:39 AM, sms wrote:
> On 3/8/2024 1:53 PM, Zen Cycle wrote:
>> On 3/8/2024 4:36 PM, Frank Krygowski wrote:
>>> On 3/8/2024 12:24 PM, Tom Kunich wrote:
>>>>
>>>> After Obama's Great Recession, which Flunky does not believe in,
>>>> (BTW, this is a pure indication that Flunky does not have any
>>>> investments) my investments went from $880,000 to $330,000 or more
>>>> aptly, I was ruined.
>>>
>>> What in HELL did you invest in? It must not have been U.S. stocks. See
>>> https://www.cnn.com/interactive/2019/business/stock-market-by-president/index.html
>>>
>>
>> Tommy didn't invest in anything. He has no investments other than his
>> house which his mom gave to him. He never lost anything during the
>> bush/cheney recession because he didn't have anything invested.
>>
>> He's so brole he can't even afford to replace the clogged faucets in
>> his house, and he's such a cuckold his wife wouldn't let him spend the
>> money on it anyway.
>>
>> IOW, he was ruined before he ever got a start.
>>
>
> He’s just confused about what the market did and when.
>
> Clinton
> -------
> 1993 9.97%
> 1994 1.33%
> 1995 37.20%
> 1996 22.68%
> 1997 33.10%
> 1998 28.34%
> 1999 20.89%
> 2000 -9.03%
>
> Obama
> -----
> 2009 +25.94%
> 2010 +14.82%
> 2011 +2.10%
> 2012 +15.89%
> 2013 +32.15%
> 2014 +13.52%
> 2015 +1.38%
> 2016 +11.77%
>
> Biden
> -----
> 2021 +28.70%
> 2022 -25.00%
> 2023 +26.29%
>
> It was 2001-2008, during the George W. Bush presidency, when the market
> had some steep declines due to the Republican-caused recession. The root
> cause of the recession was defaults on mortgage loans, caused by
> Republican deregulation of the banking industry. It was Republicans that
> sought to weaken bank regulation.
>
> Historically, the stock market has done better under Democratic
> administrations, “the S&P 500 returned 8.4% annually on average under
> Democrats, versus 2.7% under Republicans, a difference of 5.7%
> percentage points.”
>
> However it's important to understand that the stock market is not
> necessarily the best indication of how the economy is doing. The
> employment rate and unemployment rate are also important. Employment
> went up by 0.13% under W, 1.04% under Obama, fell 0.51% under Trump, and
> has gone up by 4.3% under Biden. For unemployment, the unemployment rate
> fell under Democratic presidents by an average of 0.8 percentage points,
> while it increased under Republican presidents by an average of 1.1
> percentage points.
>

I know that, you know that, tom knows that. Pretty much everyone knows
that. Tom isn't confused, he's lying.

On 3/10/2024 12:39 AM, sms wrote:
> On 3/8/2024 1:53 PM, Zen Cycle wrote:
>> On 3/8/2024 4:36 PM, Frank Krygowski wrote:
>>> On 3/8/2024 12:24 PM, Tom Kunich wrote:
>>>>
>>>> After Obama's Great Recession, which Flunky does not believe in,
>>>> (BTW, this is a pure indication that Flunky does not have any
>>>> investments) my investments went from $880,000 to $330,000 or more
>>>> aptly, I was ruined.
>>>
>>> What in HELL did you invest in? It must not have been U.S. stocks. See
>>> https://www.cnn.com/interactive/2019/business/stock-market-by-president/index.html
>>>
>>
>> Tommy didn't invest in anything. He has no investments other than his
>> house which his mom gave to him. He never lost anything during the
>> bush/cheney recession because he didn't have anything invested.
>>
>> He's so brole he can't even afford to replace the clogged faucets in
>> his house, and he's such a cuckold his wife wouldn't let him spend the
>> money on it anyway.
>>
>> IOW, he was ruined before he ever got a start.
>>
>
> He’s just confused about what the market did and when.
>
> Clinton
> -------
> 1993 9.97%
> 1994 1.33%
> 1995 37.20%
> 1996 22.68%
> 1997 33.10%
> 1998 28.34%
> 1999 20.89%
> 2000 -9.03%
>
> Obama
> -----
> 2009 +25.94%
> 2010 +14.82%
> 2011 +2.10%
> 2012 +15.89%
> 2013 +32.15%
> 2014 +13.52%
> 2015 +1.38%
> 2016 +11.77%
>
> Biden
> -----
> 2021 +28.70%
> 2022 -25.00%
> 2023 +26.29%
>
> It was 2001-2008, during the George W. Bush presidency, when the market
> had some steep declines due to the Republican-caused recession. The root
> cause of the recession was defaults on mortgage loans, caused by
> Republican deregulation of the banking industry. It was Republicans that
> sought to weaken bank regulation.
>
> Historically, the stock market has done better under Democratic
> administrations, “the S&P 500 returned 8.4% annually on average under
> Democrats, versus 2.7% under Republicans, a difference of 5.7%
> percentage points.”
>
> However it's important to understand that the stock market is not
> necessarily the best indication of how the economy is doing. The
> employment rate and unemployment rate are also important. Employment
> went up by 0.13% under W, 1.04% under Obama, fell 0.51% under Trump, and
> has gone up by 4.3% under Biden. For unemployment, the unemployment rate
> fell under Democratic presidents by an average of 0.8 percentage points,
> while it increased under Republican presidents by an average of 1.1
> percentage points.
>

I know that, you know that, tom knows that. Pretty much everyone knows
that. Tom isn't confused, he's lying.

On Sat Mar 9 21:39:21 2024 sms wrote:
> On 3/8/2024 1:53 PM, Zen Cycle wrote:
> > On 3/8/2024 4:36 PM, Frank Krygowski wrote:
> >> On 3/8/2024 12:24 PM, Tom Kunich wrote:
> >>>
> >>> After Obama's Great Recession, which Flunky does not believe in,
> >>> (BTW, this is a pure indication that Flunky does not have any
> >>> investments) my investments went from $880,000 to $330,000 or more
> >>> aptly, I was ruined.
> >>
> >> What in HELL did you invest in? It must not have been U.S. stocks. See
> >> https://www.cnn.com/interactive/2019/business/stock-market-by-president/index.html
> >>
> >
> > Tommy didn't invest in anything. He has no investments other than his
> > house which his mom gave to him. He never lost anything during the
> > bush/cheney recession because he didn't have anything invested.
> >
> > He's so brole he can't even afford to replace the clogged faucets in his
> > house, and he's such a cuckold his wife wouldn't let him spend the money
> > on it anyway.
> >
> > IOW, he was ruined before he ever got a start.
> >
>
> He?s just confused about what the market did and when.
>
> Clinton
> -------
> 1993 9.97%
> 1994 1.33%
> 1995 37.20%
> 1996 22.68%
> 1997 33.10%
> 1998 28.34%
> 1999 20.89%
> 2000 -9.03%
>
> Obama
> -----
> 2009 +25.94%
> 2010 +14.82%
> 2011 +2.10%
> 2012 +15.89%
> 2013 +32.15%
> 2014 +13.52%
> 2015 +1.38%
> 2016 +11.77%
>
> Biden
> -----
> 2021 +28.70%
> 2022 -25.00%
> 2023 +26.29%
>
> It was 2001-2008, during the George W. Bush presidency, when the market
> had some steep declines due to the Republican-caused recession. The root
> cause of the recession was defaults on mortgage loans, caused by
> Republican deregulation of the banking industry. It was Republicans that
> sought to weaken bank regulation.
>
> Historically, the stock market has done better under Democratic
> administrations, ?the S&P 500 returned 8.4% annually on average under
> Democrats, versus 2.7% under Republicans, a difference of 5.7%
> percentage points.?
>
> However it's important to understand that the stock market is not
> necessarily the best indication of how the economy is doing. The
> employment rate and unemployment rate are also important. Employment
> went up by 0.13% under W, 1.04% under Obama, fell 0.51% under Trump, and
> has gone up by 4.3% under Biden. For unemployment, the unemployment rate
> fell under Democratic presidents by an average of 0.8 percentage points,
> while it increased under Republican presidents by an average of 1.1
> percentage points.
>
> --
> ?If you are not an expert on a subject, then your opinions about it
> really do matter less than the opinions of experts. It's not
> indoctrination nor elitism. It's just that you don't know as much as
> they do about the subject.??Tin Foil Awards
>

Scharf, the very fact that you believe that garbage (in Ehgland, they changed the way excessive deaths were calculated so that 15% excess deaths were marked as LESS than normal deaths) proves that you're a penniless deadbeat with no investments at all.

Half of the workforce was put out of work and you fucking believe that the market went up 25%. You're so stupid that you can be told up is down by the Democrats and you would believe it.

On Sun Mar 10 07:52:31 2024 zen cycle wrote:
> On 3/10/2024 12:39 AM, sms wrote:
> > On 3/8/2024 1:53 PM, Zen Cycle wrote:
> >> On 3/8/2024 4:36 PM, Frank Krygowski wrote:
> >>> On 3/8/2024 12:24 PM, Tom Kunich wrote:
> >>>>
> >>>> After Obama's Great Recession, which Flunky does not believe in,
> >>>> (BTW, this is a pure indication that Flunky does not have any
> >>>> investments) my investments went from $880,000 to $330,000 or more
> >>>> aptly, I was ruined.
> >>>
> >>> What in HELL did you invest in? It must not have been U.S. stocks. See
> >>> https://www.cnn.com/interactive/2019/business/stock-market-by-president/index.html
> >>>
> >>
> >> Tommy didn't invest in anything. He has no investments other than his
> >> house which his mom gave to him. He never lost anything during the
> >> bush/cheney recession because he didn't have anything invested.
> >>
> >> He's so brole he can't even afford to replace the clogged faucets in
> >> his house, and he's such a cuckold his wife wouldn't let him spend the
> >> money on it anyway.
> >>
> >> IOW, he was ruined before he ever got a start.
> >>
> >
> > He?s just confused about what the market did and when.
> >
> > Clinton
> > -------
> > 1993 9.97%
> > 1994 1.33%
> > 1995 37.20%
> > 1996 22.68%
> > 1997 33.10%
> > 1998 28.34%
> > 1999 20.89%
> > 2000 -9.03%
> >
> > Obama
> > -----
> > 2009 +25.94%
> > 2010 +14.82%
> > 2011 +2.10%
> > 2012 +15.89%
> > 2013 +32.15%
> > 2014 +13.52%
> > 2015 +1.38%
> > 2016 +11.77%
> >
> > Biden
> > -----
> > 2021 +28.70%
> > 2022 -25.00%
> > 2023 +26.29%
> >
> > It was 2001-2008, during the George W. Bush presidency, when the market
> > had some steep declines due to the Republican-caused recession. The root
> > cause of the recession was defaults on mortgage loans, caused by
> > Republican deregulation of the banking industry. It was Republicans that
> > sought to weaken bank regulation.
> >
> > Historically, the stock market has done better under Democratic
> > administrations, ?the S&P 500 returned 8.4% annually on average under
> > Democrats, versus 2.7% under Republicans, a difference of 5.7%
> > percentage points.?
> >
> > However it's important to understand that the stock market is not
> > necessarily the best indication of how the economy is doing. The
> > employment rate and unemployment rate are also important. Employment
> > went up by 0.13% under W, 1.04% under Obama, fell 0.51% under Trump, and
> > has gone up by 4.3% under Biden. For unemployment, the unemployment rate
> > fell under Democratic presidents by an average of 0.8 percentage points,
> > while it increased under Republican presidents by an average of 1.1
> > percentage points.
> >
>
> I know that, you know that, tom knows that. Pretty much everyone knows
> that. Tom isn't confused, he's lying.

Only Flunky is so much of a Flunky that he believes that when the ENTIRE economy was shut down that the market gained 28%. Your psychosis is so strong that you would in past years be placed in a sanitarium.

On Sun Mar 10 07:52:31 2024 zen cycle wrote:
> On 3/10/2024 12:39 AM, sms wrote:
> > On 3/8/2024 1:53 PM, Zen Cycle wrote:
> >> On 3/8/2024 4:36 PM, Frank Krygowski wrote:
> >>> On 3/8/2024 12:24 PM, Tom Kunich wrote:
> >>>>
> >>>> After Obama's Great Recession, which Flunky does not believe in,
> >>>> (BTW, this is a pure indication that Flunky does not have any
> >>>> investments) my investments went from $880,000 to $330,000 or more
> >>>> aptly, I was ruined.
> >>>
> >>> What in HELL did you invest in? It must not have been U.S. stocks. See
> >>> https://www.cnn.com/interactive/2019/business/stock-market-by-president/index.html
> >>>
> >>
> >> Tommy didn't invest in anything. He has no investments other than his
> >> house which his mom gave to him. He never lost anything during the
> >> bush/cheney recession because he didn't have anything invested.
> >>
> >> He's so brole he can't even afford to replace the clogged faucets in
> >> his house, and he's such a cuckold his wife wouldn't let him spend the
> >> money on it anyway.
> >>
> >> IOW, he was ruined before he ever got a start.
> >>
> >
> > He?s just confused about what the market did and when.
> >
> > Clinton
> > -------
> > 1993 9.97%
> > 1994 1.33%
> > 1995 37.20%
> > 1996 22.68%
> > 1997 33.10%
> > 1998 28.34%
> > 1999 20.89%
> > 2000 -9.03%
> >
> > Obama
> > -----
> > 2009 +25.94%
> > 2010 +14.82%
> > 2011 +2.10%
> > 2012 +15.89%
> > 2013 +32.15%
> > 2014 +13.52%
> > 2015 +1.38%
> > 2016 +11.77%
> >
> > Biden
> > -----
> > 2021 +28.70%
> > 2022 -25.00%
> > 2023 +26.29%
> >
> > It was 2001-2008, during the George W. Bush presidency, when the market
> > had some steep declines due to the Republican-caused recession. The root
> > cause of the recession was defaults on mortgage loans, caused by
> > Republican deregulation of the banking industry. It was Republicans that
> > sought to weaken bank regulation.
> >
> > Historically, the stock market has done better under Democratic
> > administrations, ?the S&P 500 returned 8.4% annually on average under
> > Democrats, versus 2.7% under Republicans, a difference of 5.7%
> > percentage points.?
> >
> > However it's important to understand that the stock market is not
> > necessarily the best indication of how the economy is doing. The
> > employment rate and unemployment rate are also important. Employment
> > went up by 0.13% under W, 1.04% under Obama, fell 0.51% under Trump, and
> > has gone up by 4.3% under Biden. For unemployment, the unemployment rate
> > fell under Democratic presidents by an average of 0.8 percentage points,
> > while it increased under Republican presidents by an average of 1.1
> > percentage points.
> >
>
> I know that, you know that, tom knows that. Pretty much everyone knows
> that. Tom isn't confused, he's lying.

Oh, poor little baby without a cent to his name with his only alternative to other people having better sense than he has knowing how to save money is to deny, deny, deny, deny. Tell us about having a "wife" again who was never mentioned ONCE in all of these years until I noticed that your method of speech was just like those queers I interviewed. I suppose you could be married but then your never mentioning her once could only mean that she means absolutely nothing to you. But after you used the term "pussy whipped" that was so much like a queer that I am positive that you're in the bucket with the rest of the boys.