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51
Aces High General Discussion / Re: A quick thought
« Last post by Shuffler on Today at 12:07:03 PM »
I don't hate anyone... I am tired of a few that keep trying to rattle everyone's chain. Those I have dealt with using the controls made available on these boards.

To balance all the rest, I use frozen margaritas, with salt.   :aok
52
Aces High General Discussion / Re: Multiple accounts
« Last post by Busher on Today at 12:05:29 PM »
I saw fintime roll a 17 90 degrees in one second. 

I guy I used to work for flew a B17 during WW2.  He rolled it once when an ice boot failed.   He said it was terrifying.  He thought he was the only one to ever roll a 17.

Newsflash, it's a video game. That should not be the sole flight model you question.
53
Aces High General Discussion / Re: 25% limit on country base capture
« Last post by Shuffler on Today at 12:02:01 PM »
Id be ok with the limit to go to 30%. For the maps we use these days each base is worth 2.+% so in many casesyou would only need to take back 2 maybe 3 bases to stop the other team from getting the win. 30% makes you work for it. The Bish did it the other night and it wasnt even a "Sik Puppies" squad night!  :devil

Shouldn't you be making a drawing explaining your point...     :rock     :aok
54
Aces High General Discussion / Re: Multiple accounts
« Last post by haggerty on Today at 11:59:06 AM »
Score mongers are always complaining and off the rails doing it. Yes, the attitude goes hand in hand. Do as I say, not as I do. Not a person here dones't know Skyyr was a score freak. You're not seeing it? You post score data. You're always at the top.

I don't have time for circle jerking.

Who are these score mongers that are always complaining?  I cant name a single person that is worried about score other than a handful that normally are in the 50-100 range and just arent very good at the game.
I dont post score data, I post kill data.  Score means nothing in this game, the metrics are stupid.  I enjoy seeing data of planes being used, who is using them well, etc.  Im never at the top, it highlights others doing well, not me.  I only played a handful of days with Skyrr, he seemed like a decent pilot and reminded me of Judge, flying the best plane in the game and knowing when to break away to reset.  Maybe I wasnt here to see him crying, but if you are the source of saying he is a cryer you are.not a credible witness with all your made up problems.
55
The O' Club / Re: A 50 year mortgage..
« Last post by Eagler on Today at 11:59:03 AM »
I can see them refinancing the loan back to 50 years because the interest rate dropped a bit making the monthly a few bucks cheaper..

What they have done to car/truck prices/financing is criminal with housing soon to follow unless an adjustment comes in some shape or form..

My guess is the 50 year noise is cover for the 40 year mortgage they are really going to implement..

Eagler
56
The O' Club / Re: A 50 year mortgage..
« Last post by CptTrips on Today at 11:58:55 AM »
Quote


f someone offered a 50-year mortgage in the U.S. today, the rate would almost certainly be higher than a standard 30-year, for a simple reason: lenders price by risk, and stretching the repayment horizon adds both interest-rate risk and default risk.

Here's where that usually lands in practice:

🎯 A realistic estimate (U.S. market, current environment)

If 30-year fixed rates are ~6.5–7.5% (as of late 2025):

40-year fixed mortgages that do exist (non-QM lenders) usually run +1.0% to +1.5% above the 30-year.

A 50-year would almost certainly be:

👉 7.5% to 9%
(Most likely: ~8–8.5% fixed)

You’d only see below 7.5% if short-term rates crashed, and you'd only see above 9% in a tight credit market.


The hidden truth: 50-year mortgages don’t really help

Even at, say, 8%, the monthly payment drop from 30 → 50 years isn’t dramatic:

They reduce payment maybe 10–15% lower than a 30-year.

But lifetime interest paid skyrockets.

You build equity extremely slowly.

Lenders know this—which is part of why these loans rarely exist.

I’ll use a $400,000 loan for examples, since that’s a typical modern mortgage size.
If you want a different amount afterward, I can redo everything instantly.

🔢 Monthly Payment Comparison

Assuming realistic interest rates:

Term   Interest Rate   Monthly Payment   Difference vs 30-yr
30-year   7.0%   $2,661   —
40-year   8.0%   $2,935   +$274
50-year   8.5%   $2,996   +$335

👉 Important:
A 50-year mortgage barely reduces your payment compared to a 30-year when interest rates rise with the term.

💸 Total Interest Paid Over Life of Loan

This is where the shock comes in.

Term   Total Interest Paid
30-year @ 7%   $558,000
40-year @ 8%   $768,000
50-year @ 8.5%   $1,018,000

👉 A 50-year mortgage more than doubles the interest compared to the principal.
You end up paying $1M in interest on a $400k house.

🧠 Amortization Reality Check

Equity builds painfully slowly:

In a 30-year, you're ~50% paid off around year 19.

In a 50-year, you're ~50% paid off around year 34.

In the first 10 years of a 50-year mortgage, you barely touch principal.

This is why banks love them and consumers don’t.




Sounds like a re-branded version of the Interest-Only Loan.

57
The O' Club / Re: A 50 year mortgage..
« Last post by Captain Virgil Hilts on Today at 11:48:11 AM »
Sure, you build equity even in a 50 year mortgage. At around 30 years. And that depends upon the interest rate. Considering the jump in rates between a 15 year and a 30 year, I can only imagine the rate for 50 years, it's got to be 1.5% to 3% higher.

Yeah, most don't stay in one home their entire life. But building equity in a 50 year mortgage isn't going to be nearly like a 30 year mortgage. It remains to be seen what the availability of a 50 year mortgage will do to home prices and values.

This could make homes and mortgages like vehicles and vehicle loans. The price of vehicles has gotten utterly stupid, and most consumers stay in vehicle debt for their entire life. With the 60-72 month vehicle loans, they're upside down on every trade. Imagine doing that with homes.

I'm not at all convinced that 50 year mortgages will not convince more large corporations and corporate equity groups to start buying huge amounts of property and slapping junk homes on it. Homes literally designed and built to be useless in 25-30 years, at best.

This looks like another way to achieve "you'll own nothing, and you'll be happy".
58
The O' Club / Re: A 50 year mortgage..
« Last post by CptTrips on Today at 11:18:49 AM »
I think its silly that people believe most folks will stay in one house their whole life. On top of that, you can always Refinance and pay more on your loan early. Its strange to me no one wants to talk about that.

Its also hilarious to me that when people ask for "lower housing prices" well then that means the current value of your house drops. So why would you want that instead? Is it better for others to have a chance to buy while maintaining the housing market value? Or is it better for the housing market to crash so all the value fades away? Imo, the former is better. If we were to go into another housing market crash, that might mean more people get laid off and couldn't afford a house anyway..

I also find it absolutely hilarious that Dems are finally learning that tax increases artificially increase prices. Who would have ever thought they'd finally bend the knee on that arguement. The blue cities with the highest taxes in the country, and also the highest prices in the country can't put 2 n 2 together on their own policies, but are more than happy to increase taxes every chance they get on "the rich" but funny enough, they dont want to talk about the price increases those bring and "the rich" moving away, thus no more tax revenue at all  :rofl.

The thing about tariffs is that it forces countries and companies to the table to make better deals. It forces companies to invest in america and create american jobs to avoid tarrifs. And it helps our countries businesses compete on a global scale. I mean I guess its logical leftest wouldnt want that. Who even know what the some of these loonies want.

You are just creating looser money.  You are making it easier for people to buy houses they can't afford.
By loosening money, you only encourage the builders to charge even more. 
That is the exact argument many make against school loans.  The more you loosen loans, the more the schools think they can charge as money is looser.

The answer is not life-time mortgages.  The answer is to start making less expensive houses using better technology and right-sizing a house to families REAL needs and not their desire to look like the Home-Network McMansions.

Just like the 120k pickup trucks.  They way you fix that is just stop buying them.  Let them rust on the lot.  The cure for high prices, is high prices.  People will stop buying and the price will have to come down if they want to do business.









59
Aces High General Discussion / Re: Multiple accounts
« Last post by Animl-AW on Today at 11:11:09 AM »
This person switches sides often to strike a team from a different angle, not a bug deal, but if you think its spying then you should know he does that.

Im not sure why everyone brings up score, I dont know a single player that tries for it except maybe some of the bomber guys.  Was Skyrr a score guy? I dont really remember him saying anything or scoring well.  I think you mistake this post for crying, im only bringing to light things with the game that can become problems.  I adapt just fine to them myself, but people like you won't have the skills necessary and can easily get discouraged.
If people are trying for score im just not seeing it, I could easily be toppled at #1 if someone was making an effort, I think we are all just playing the game, some do it better.

Score mongers are always complaining and off the rails doing it. Yes, the attitude goes hand in hand. Do as I say, not as I do. Not a person here dones't know Skyyr was a score freak. You're not seeing it? You post score data. You're always at the top.

I don't have time for circle jerking.
60
Aces High General Discussion / Re: What is going on?
« Last post by Animl-AW on Today at 11:03:08 AM »
Ah the provokers need a Kleenex. SHocking

<bites apple, chomp chomp>
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