arrow74
@arrow74@lemmy.zip
- Comment on Following your dreams 18 hours ago:
Are we talking basement or do i have to crawl everywhere
- Comment on 🤔 Interesting Theory. 5 days ago:
You ever go so deep in the closet that you give Bill Clinton a blowjob? Hate it when that happens
- Comment on Dads be like 5 days ago:
Now at night I’m just constantly blind due to the led arms race
- Comment on Adding stickers to my fruit so it's harder to recycle 1 week ago:
I mean you dont even have to bother just tear that whole section off
- Comment on Anon travels overseas 1 week ago:
I mean obviously.
I’m only here for school so I won’t be going through the expense or licensing to get a car
- Comment on Anon travels overseas 1 week ago:
I’m going to tag you as the milk guy
- Comment on Anon travels overseas 1 week ago:
That’s true to a point. Extra fat based weight is harmful that’s just a medical fat.
How much is too much for a specific individual can be somewhat variable, and body composition matters.
BMI as a tool can be clunky and not ideal at times, but if you’re more than 1 point off the healthy range and you’re not a body builder your health will be impacted (over time).
I’m overweight myself, but I don’t try to convince myself I’m in peak condition.
- Comment on Anon travels overseas 1 week ago:
Having recently moved to Europe, I occasionally miss the convenience of driving but overall it’s so much better.
Just getting to chill on my commute and not have to worry about traffic is so nice.
When it’s very cold or rainy it would be nice to drive to the store. I do miss being able to buy a week+ worth of groceries and loading up the trunk
Overall this is still way better.
- Comment on [deleted] 1 week ago:
Ah yes the frivolous attachments of rent, food, and electricity
- Comment on [deleted] 1 week ago:
You know what makes cutting my salary hard? Everything is far too expensive. Kids even more so.
- Comment on Thank me later... 2 weeks ago:
I heard there’s a flaw in the code meaning they cannot patch the old consumables and have to release a new version instead.
It’s unclear if the pre-patch consumables will be usable after the patch or if they’ll simply be deleted.
Imo the best move is to collect and sell to the hoarders. Not worth the risk of losing all that time I’d rather be able to buy the new stuff even if it doesn’t stack
- Comment on Fiction 2 weeks ago:
Yep I like to remind people in most wars the average soldier is conscripted. With the penalty for leaving it running being death.
At what point do we expect the individual to forfeit their life for their morals? There’s no straightforward answer to this, but it does murky the waters around good or bad in any given conflict. I wouldn’t use this absolve all crimes either, if just makes it difficult
- Comment on Epic Rizz fr 2 weeks ago:
With only text available I’m not sure there would be a way for the sender to assess that.
Sure the spelling is off, but unless they know OP’s schedule
- Comment on 2 weeks ago:
This is why I’m buying crude oil and investing in small scale refinement
- Comment on 2 weeks ago:
We’ll see how progressive they are once they’re the most conservative ones in the room
Ah yes the popular myth of becoming more conservative as you get older. It used to be true because you would get a job, have a family, and retire. Suddenly your biggest concern became lower taxes so you could spend that money elsewhere. Rest of the country be damned.
Except now significantly less people are doing those things because they have a lot less money than their parents did.
All growing old has done is made me way more left. I can see and understand so much more about how the world is fucked up.
- Comment on i hate myself and i want to die lol 3 weeks ago:
I hope you’re an archaeologist and not a paleontologist.
Otherwise we got beef
- Comment on Anon does well in school 3 weeks ago:
Honestly mood. I’m doing my master’s degree having completed my bachelor’s pre-covid and this program is way too easy
- Comment on Time to update your bingo cards 3 weeks ago:
Unfortunately they were not infected with anything. The local sheriff just made that bit up.
The facility does house infected monkeys, but these had not yet been infected and were being relocated to a different facility
- Comment on What are you ladies doing tonight 3 weeks ago:
Pretty much yeah. I know the nozzle is dirty, but that’s just food stuff. Plus it’s a problem even with the regular fountain.
The grime and snot on the screen comes from unknown sources. I don’t like that
- Comment on What are you ladies doing tonight 3 weeks ago:
I enjoy the cloaca for the liquid choices and varities it provides.
My only complaint is the screen is never clean
- Comment on Carrot 4 weeks ago:
Oh boy do I have bad news for you.
Basically everything in your environment is covered in human poop.
If you bring a carrot into your home it has way less poop on it than your toothbrush.
- Comment on geography is neat 1 month ago:
They should make a national treasure movie about this
- Comment on A conundrum 2 months ago:
Once again everyone knows that is debt. Of course it is debt.
It just so happens to be the lowest interest form of debt you can take and even when added with an existing mortgage payment ia still insanely cheaper than comparable rents for the same property.
My statement is “yes homes have maintenance and that can come at unexpected costs. However you can access low interest debt if you need to. And even if you do you’ll still pay less than renting a comparable property for the same amount of time”
Please consider the whole and dont just take snippets out of context. Homes come with costs, still way cheaper than renting. You don’t have to take out a loan for home maintenance. You can, but you don’t have to.
- Comment on A conundrum 2 months ago:
I never said it was free and I never said it wasn’t a debt. Like obviously it is a debt, anyone that reads “tapping into home equity” as meaning free money doesn’t understand basic finance.
It doesn’t have to extend your mortgage. You can take it out as a second line of credit as an additional loan to pay back monthly. Obviously the ideal would be to have the savings to cover necessary home repairs, but if you don’t this is typically the cheapest way to get a loan to do necessary maintenance.
Sounds like your sister used her equity to refinance her loan and recieved a payout for the difference. That’s going to restart your mortgage and is probably not the best way to go about accessing home equity.
So yeah don’t take on reckless debt you can’t payback. You can responsibly use your home equity for maintenance if you need to though.
- Comment on A conundrum 2 months ago:
I personally grew up quite impoverished and me and my wife did manage to get our home in medium COL area. We don’t have exceptionally high paying jobs nor did we have any help from our families. We just made a lot of effort to build our credit. We’re also not old at all under 30 to not dox myself too much.
A lot of people simply have some wrong assumptions about the amount needed to get a loan. We put down 3%, sure we didn’t get the most competitive rate and our payment is higher, but it worked out to the cost of our then comparable rent. There’s quite a few federal programs that ensure the opportunity for a low downpayment mortgage for first time homeowners.
- Comment on A conundrum 2 months ago:
I always find this to be such a poor argument.
Yes unexpected maintenance can sometimes be a huge problem, especially in the first couple of years, but after that you can tap into home equity and repair say a roof. Everything else while expensive is still cheaper than renting. Using the OP’s example 1k vs 500, I can assure you you will never have consistent 500 repairs per month.
As for the taxes my city nearly went ballistic when the city increase the rate by 5%. At the end of the year it costed me $200. Per month that’s about $16. I’ve never lived in any apartment anywhere where rent didn’t increase by at least $50 per month each year. Even if someone had a home twice as valuable that’s still a very small monthly cost.
Additional once you get past the first 3ish years rent prices have greatly outpaced your mortgage and you will be saving a lot of money compared to of you were renting.
I’d like to wrap up with a question. If owning a home was such a sink of resources why do people become landlords?
- Comment on Step 1: Delete 2 months ago:
I worked at a pet store back in college and this old lady would sometimes come in and load 2 carts top to bottom with temptations. She said it was the only “food” her cat would eat. I tried to tell her it wasn’t food, but no luck.
I wonder if her situation started in a similar way to your story.
- Comment on ISO 26300 2 months ago:
At least for school assignments this is easily fixed by just opening it yourself in the school library and adjusting format. It’s usually pretty minor.
Honestly most of my professors accepted papers saved as pdfs which was helpful too
- Comment on The duality of man 2 months ago:
Yes it is, the “reality” for 100 years ago was a lie.
Literally 100 years ago was the great depression. The side was “workers should be able to eat” versus “the workers shouldn’t have rights”
Fast forward 40 years and it was “it’s okay to sit next to black people” vs. “Races should not mix and any attempt to do so should be met with extreme violence”
- Comment on 2 months ago:
O*io 🤢