Kokanee works fine for me, ehQuote:
Originally Posted by LHutz Esq
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Kokanee works fine for me, ehQuote:
Originally Posted by LHutz Esq
Boise $220k markdown on a $1mm house
https://apps.realtor.com/mUAZ/6xfxs79p
Shit is glacier fresh you know?Quote:
Originally Posted by 365wp
A trail building buddy of mine always says “there’s no problem a 6 pack of Konanee can’t fix”
Kokanee used to have a great add campaign with the Sasquatch and the bottles of Kokanee leaping out of the stream going up to spawn
There is soething to that glacier fresh thing cuz the stuff made in the Kooteneys in the Creston brewery was actualy pretty good back in the days when i drank macro brew but then Labatts bought them and it was just more Labatts blue depending on if your were drinking cans or bottles I don't think they canned in Creston
The Budweiser that comes out of that Creston brewery is also glacier fresh.
Just the dirt is worth 2mil. The house is free.Quote:
Originally Posted by bennymac
Do you anticipate that there will be an endless line of buyers willing to pay not just significantly more than prices from last year, but also double the mortgage payment as well? I'd imagine that there won't be, but I'm sure you have a front row seat given the calls your office must get from interested buyers.Quote:
Originally Posted by Whiteroom_Guardian
May 2021 median home price in Bozeman was $635,000. Interest rates were 3% for conforming 30Y. Assuming 20% down, mortgage balance would be $508k and monthly payment would be $2,142 per month not including taxes/ insurance.
June 2022 median home price in Bozeman $800k. Interest rates are $6.125% for conforming 30Y. Assuming 20% down, mortgage balance would be $640k and monthly payment would be $3,889 per month not including taxes/ insurance.
YoY cost of ownership is up more than 80%. With things starting to cool off in California, I really wonder how many more cash infused buyers there are lined up to buy in Montana. Certainly the local economy cannot support $4k mortgage payments for anyone other than local doctors and remote workers.
Oh, I didn't say I couldn't find it.Quote:
Originally Posted by LHutz Esq
I was at some event years ago and some guy in a Sasquatch costume accompanied by two women in bikinis were giving out free Kokanees. Don't remember much else after that...Quote:
Originally Posted by XXX-er
"He entered the Beermuda Triangle, got lost in the haze, and was never found"Quote:
Originally Posted by XXX-er
There are 12 breweries within a 2 mile radius from my house, and three more under construction. That's kinda what I was getting at with my earlier comment.
well I freely admit i am lost in the haze of life
you remember the archaic liquor laws back in the day so to come from zero breweries of any kind to a couple within a few blocks and one in every town is pretty good
and we don't have to live in America
Ha, looked up local metros and listings are down 30%
[thread drift] Remember back in the macro beer only days when everyone thought Canadian beer was stronger than American? Turns outs the main reason was alcohol was measured as percent by volume in Canada and percent by weight in the U.S. Alcohol is less dense than water, so a beer that's 5% ABV is about 4% ABW. Fun fact. [/thread drift]
the problem was rarely getting good beer in bc, the problem was a 6-pack of good beer could be twice what you paid in the states. Even bad beer was expensiveQuote:
Originally Posted by LHutz Esq
Seems like mortgage divisions at banks are shedding staff due to lack of demand. No surprise.Quote:
Originally Posted by Toadman
https://www.cnn.com/2022/06/22/inves...ges/index.html
Quote:
JPMorgan Chase is laying off employees this week in response to the spike in mortgage rates that has rocked the housing market.
“Our staffing decision this week was a result of cyclical changes in the mortgage market,” JPMorgan said in a statement.
Hundreds of JPMorgan (JPM) employees will be laid off, while hundreds of others will be reassigned, a person familiar with the matter told CNN Business.
Ya - significantly higher tax on alcohol in BC than most states. I seem to remember reading somewhere that 1/2 the price of a six pack is federal and provincial taxes.Quote:
Originally Posted by dunfree
But, we have to pay for the medical costs arising from the stupid shit we do when drinking it somehow. It's "single payer" not "free" after all.
All works out to an average.
more tax on beer to not have to pull out a wallet when you end up in the hospital from drinking too much beer - how could any TGR mag be against that?
And how many neighborhood breweries does a person need? Anything more than 3 sounds great but unnecessary.
Yeah go to hospitol they ask your name/ age and that it
Its not free but it is single payer so when LHutz cuts his hand openning a beer can ... we all pay
I remember the American on TGR saying " Yeah I think the universal HC is great except i don't want to pay for them fat fucks down south that gorge on BBQ " whoosh, uh dude universal mean everybody
If there were 3 breweries in the hood hitting all 3 might be a lotsa work
Eventually those are the only people who will be left there, along with the trust funders and boomer retirees.Quote:
Originally Posted by Kevo
It's weird the amount of people who are absolutely fixated on living in Bozeman. I don't get it, never have, but what do I know.
The best is Americans who show up in Canadian hospitals and are shocked that their treatment isn’t free 😂. They really never thought it through I guess.
I'm with kevo on thisQuote:
Originally Posted by Kevo
I understand where Whiteroom is coming from and I will paint a wonderful rosie picture too work booked well into next year no one pulling back
it aint that pretty though its downright ugly girl fucking out there
have heard of many projects getting side lined due to costs I think joe blow wanna be billionaire was thinking around 400 - 500 sq ft to build his mtn dream home saved up got his ducks in a row
the reality is 800 - 1200 sq ft construction costs
lots of people thinking they can wait it out the thing is there is no waiting it out we are where we are cost wise right now and it's not going to change
I can drop people fast these days by talking about money within the first hour
as I've said over and over all these economists and money brokers think they can predict the future and try to control it well
they keep making it worse and don't have a real solid economic plan one side is grasping at straws and trying to do something the other side just lowers taxes and shouts that they are wrong but provides no real substance or ideas
a 10% mortgage a year from now is not unfounded it seems like a reality
housing prices will catch up by november and big chunks will fall as properties sit
the whole bitcoin stockmarket sold my home made a killing cash buyer has all but dried up
Want to bet? If the housing market comes crashing down and 'Merica goes into a recession, construction costs are going to fall through the floor, and builders/contractors are going to be begging for projects. No more sitting pretty and fucking people over anymore with ridiculous overage and labor costs. I guess you've forgotten about 2007-2009 already?Quote:
Originally Posted by fastfred
Heh. Freddy just telling the people what they want to hear. HELOC crashing means the bank of house done
1990 was the last ~10% year, per FRED, and we've been trending downward ever since.Quote:
Originally Posted by fastfred
Buyers can handle a high interest rate or a high purchase price, but not both. That's the current problem.
LOLQuote:
Originally Posted by smmokan
good luck with that
my commercial property taxes will come down? my utility bills will come down my insurance costs will suddenly drop my workers comp will get lowered my payroll book keeper will lower their rates my financial advisor will drop their rates too unemployment and payroll taxes will be less cost of materials will be less getting people to show up and sweep a floor will only be 10 an hour sounds right can't wait
no begging on my part think I charged $8,000 to build some custom benches in vail in 2009 told her to take it or leave it (she's got her name all over vail she was a pain in the ass) so she took it
also remember building one of the few houses in breck in 2002 after the dot cum bumble (we headed for another dot com reality check this year) we eneded up putting a sign at the end of the driveway "no we don't need any help" cause so many people were stopping buy
some people are running businesses and others are trying to make some money
I charge a fair and reasonable price for the product and service I provide
the idea that people have been using the HELOC ATM is scary and it's been widely used the past five years ooopsQuote:
Originally Posted by dunfree
Nobody was doing HELOCs the last few years because you were better off doing a cash out refi. Maybe just in the last year did it make any sense to get a HELOC, and the banks were kinda stingy with them since they make very little money on them. I got one, just as a line of credit to help cover business expenses. Never really used it though because I haven't needed it. Now taking it to Vegas and putting it on red has occurred to me, but I just don't know.