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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Both Canada and the United Kingdom use FPTP voting and they have more than two viable parties that regularly win and hold seats.

Sure, but they also have prime ministers and parliaments, and are generally run differently from the United States which has had two main parties since its inception because that is what the system will produce.

It is being run like a business: poorly. Exactly how most businesses run.

You could try remembering things. Might be good practice.

I mean, we’re not exactly talking about a dream upon waking here…and you can remember those too with practice.

The repubs should definitely nominate newsom over vance for president. He’d be a much better candidate than all of this maga crap.

Unless we’re in a simulation, very yes.

Normal people don’t seem to realize this but the reason developers swarmed to Mac OS X over Windows when given a choice for work laptops is that Mac OS X has a built-in POSIX shell.

CLI is and will always be more expressive than a GUI. Some “web apps” have even tacitly acknowledged this by adding terminal emulators to their web apps.

And if AI is going to be the last straw, how long can we put it off for? Could it pop next year or can we still hold it off for another decade with even more ludicrous number-fuckery? I think that’s where the trick is going to be.

The thing that boggles my mind in all of this is the possibility that Trump installs some absolute toady tool bag in at the Fed and then just has the federal reserve bail out all of the bad investments. It’d mean probably hyperinflation, but who cares about normal shmucks trying to live a life? It’s much more important to pay the genius, scammy billionaires so they can keep their mega yachts fully gassed and assed.

I remember the news reporting about record breaking amounts of mortgage defaults in like 2007 as well. The signs were all there, but people were too oblivious or high on their own supply of farts to see them.

Anytime people are like “we couldn’t see this coming” I never understand why they are allowed to pass that obvious lie off in public.

The AI bubble signs are in plain view everywhere you look right now. If (or much more likely when) it bursts everyone will be talking about how they couldn’t possibly see it coming again.

If people say they couldn’t see this shit coming, maybe their myopic asses shouldn’t be in charge of anything important ever again.