Cost of living goes 📈 while the average salary goes 📉 in relative spending power.

Framework laptops are about as upgradable as you’re ever going to get. The 16 now even has a video card upgrade.

Break up with her

Umm, I kinda understand but still: ick.

If only I were born somewhere sane. 🙄

Too young at this point, but eventually I agree

Billie is the fucking shit

🎶 Peter Thiel knows about the anti-christ 🎶

No

Dude the switch 2 is $500. Having a general purpose computer that hooks just as easily to your TV as a gaming console for double that price is perfectly fine IMO.

Anything to distract from the Epstein files.

All the talk about Arnold Palmer’s dick size would suddenly make a lot more sense.

💯

Outside of some very, very expensive areas (where you aren’t required to live) six figures is still very adequate to live, especially if it’s got a little distance from 100k exactly.

This is what I’m thinking about daily. What change did you make?

Mostly people accumulate debt in the US.

That town’s slogan: durrrrrrrrrrrrrrrrrrr

Yes, a 50 year mortgage will drop your monthly payments by a significant margin (maybe 15ish percent) increasing affordability for the long term.

The actual numbers will likely not bear that out. Some back of the envelope math in this article and others has the payments dropping as little as $150 or $200 on a $2000 mortgage.

The problem is that rates for longer mortgages are naturally going to be higher as they are today. Most of the “gain” of stretching out the loan is eaten up by interest.

What does never seem to catch anyone’s eye though in general is…you can pay more than the minimum on your mortgage just like any other type of debt. If these products were available, I’d be slightly tempted to use one to lower my required monthly payments slightly while I saved up the principle to repay the loan in full.

I can’t imagine having a variable rate loan and then finding out due to the Fed raising rates that I know owe another couple hundred per month.

Mortgage products like this were in the causal mixture for the 2008 crisis. People could own three or four different homes, maximally leveraged, and then get ARMs on them. This house of cards “works” as long as the interest rate stays low and prices go up. Then there was a rate adjustment upwards and all hell broke loose.

Some things are distinctions without a difference, “ancaps”, “libertarians”, and “conservatives” are some of those things.

The distinctions between them are considered oh so important simply because you’re talking about mostly privileged individuals that want the appearance of being “free thinkers”. They want to pretend to have their own brand of politics above everyone else, but they still mostly vote for fucking Trump.

There really isn’t a lot of ideological range to the right of neoliberalism…and it mostly ranges from fascist-lite to full-blown fascism.

Both have the potential to fail tragically. Some forms of fascism are libertarianism being attempted and failing.

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