spicytuna62
@spicytuna62@lemmy.world
- Comment on Operation Mar-Kwane 1 day ago:
Can’t wait to see where he’ll be hiding next time shit hits the fan. Fuck this redneck asshole with a long, dry, splintery pole. I’ve voted against this wad every time I could, but I’m heavily outnumbered here.
- Comment on ¯\_(ツ)_/¯ 1 day ago:
Go ahead and call the mechanic to schedule that transmission fluid change. Don’t let him rip you off with a flush, though. All you need is a drain and fill.
- Comment on Anon reads Into the Wild 5 days ago:
I agree with some of Chris’s viewpoints. Materialism is stupid. Buying shit for the sake of acquiring shit is stupid. Not that you should never have anything sentimental, but those kinds of things are tied to people or events.
But yeah, guy kinda lost me when he decided to camp in the Alaskan bush with no survival skills, no experience dressing a carcass, no foraging skills, and very little equipment. As others pointed out, he went there to die, then changed his mind when it was too late. A rational, non-suicidal person would have spent months preparing for this outing.
Basically everyone who jumped from the Golden Gate Bridge and lived (only ~2% of jumpers) regretted doing it before they hit the water. Chris jumped from the bridge and changed his mind halfway down. Going to Alaska wasn’t some brave choice to be free. You can do that anywhere in the Lower 48. It was a cry for help masked as a revolutionary idea.
- Comment on Rabbit holes, girl; have you never heard of them? 1 week ago:
My wife thinks I’m the smartest man she has ever known. Meanwhile, I’m slapping my own head going, “This baby can fit so many Wikipedia articles in it.”
- Comment on _uck _e _n the a__ ton_ght 1 week ago:
Duck be on the ark tonight?
- Comment on No you don't sit on it. In the olden days people used this to make orange juice 1 week ago:
But hey, anal juice is also pretty good.
- Comment on After the 6th payment the burrito is mine 💀💀💀 1 week ago:
Replace “token” with “title” and “monkey” with “car,” and you’ve got a formula most people understand.
I own the title, but I don’t own the car.
Unlike the monkey, you can go find the car in the real world.
- Comment on sales =/= quality 1 week ago:
Aw man, I loved their last album. I never realized they released another. I was listening to The Scholars by Car Seat Headrest for a good portion of last year.
- Comment on Epstein arrests: 0. Nancy Guthrie: still missing. The head of the FBI: 1 week ago:
I hear it tastes pretty good, too.
- Submitted 1 week ago to [deleted] | 24 comments
- Comment on my current phobia 2 weeks ago:
Your genetic data, your husband’s genetic data, and your future kids’ genetic data. They’re playing the long con on that one.
- Comment on An emotional rollercoaster 4 weeks ago:
If I got to say, “Oh thank fuck I made it,” I’d be relieved, too.
- Comment on If only 1 month ago:
Joke’s on all of y’all. I still burn CDs. My car has a four disc CD changer.
- Comment on always watching 1 month ago:
If he didn’t want me touching it, he shouldn’t have given it to me. Kinda his fault I whack it.
- Comment on Help is needed 1 month ago:
That flew over my head at first, but holy shit, that’s clever.
- Comment on Help is needed 1 month ago:
Modest House?
- Comment on Help is needed 1 month ago:
HELL YEAH, BRÖTHER.
- Comment on Fare thee well 2 months ago:
- Submitted 2 months ago to [deleted] | 2 comments
- Comment on here is 4kb of christmas joy for you 2 months ago:
Still too bloated. My hard limit is 950 bytes.
- Comment on The Cellussy 3 months ago:
Cleavage, dude.
- Comment on Piano man 3 months ago:
Piano-man, piano-man. Does whatever a piano can. Falls on crooks from real high. Squishes them. Kills those guys.
Look out. He is the piano-man
- Comment on Parking police 3 months ago:
Mmmmm idk, I’ll take my old beater Civic over any new Kia, Hyundai, Nissan, or Stellantis product.
Hell, just the fact that you can’t buy a low trim Civic or Corolla with a stick shift anymore is kinda tragic.
The 90s are where cars peaked, and I will die on that hill.
- Comment on (Pseudo) Science 3 months ago:
“Mom, I don’t know that the peppermint oil on my feet and lemon juice in my eyes did anything to cure my measles, tetanus, or COVID infections.”
“Nonsense, Bobby. You just need to give it time to work.”
“Peggy, that boy ain’t right.”
- Comment on You just couldn't be satisfied with slow and easy 3 months ago:
I’ve got just the poster. Nobody will ever suspect there’s a hole back there.
- Comment on 877-CASH-NOW 3 months ago:
Tldr there is literally no reason for this product to ever exist. It mathematically makes no sense.
The 50 year mortgage isn’t just a bad product. It’s a predatory product.
Interest is the cost of borrowing, plus a little extra tacked on for the capital the banks and investors tied up in the loan. Generally speaking, the longer you borrow, the higher your rate. It’s usually better to borrow for as little time as you feasibly can because it’s the double whammy of paying off that front loaded interest faster and clearing the payment from your own books sooner.
The thing with borrowing over time is that there’s a diminishing return with more time. Assuming the interest is equal on a 30 year vs a 50 year mortgage, your payments go down maybe 15%. So assuming that $3,000 payment at 5% for 30 years vs 50 years, your 50 year payment is $2,538. Which sounds nice until you multiply payment amount by number of payments and find that the total cost of borrowing goes up >$442,000.
But you absolutely will not get the same rate on a 50 year vs a 30 year. It’s too risky for investors to back it, no matter how you slice it. They’ll want more interest on top of it if they do. So your rate might climb to 6.25% over the 5% you might have got on the 30 year loan. That changes the payment from $3,000 to $3,046.
Yep. The payment can be higher. Again, law of diminishing returns and higher rates because more risky.
So a recap. You’re financing $558,845 after down payment, earnest money, closing costs, etc. With a 30 year term, you’re looking at 5%. The payment is $3,000 a month so you ultimately pay $1,080,000 for the house. At 50 years, you’re borrowing at 6¼ and paying $3,046 a month, so now the house costs you $1,827,600. Not only is your payment higher, but the house is ¾ of a million bucks more expensive! How generous!
This doesn’t even factor in the extra 20 years of PMI you’ll have to pay because if you have to borrow for 50, we all know you’re not putting 20% down.
If you can borrow for 15 years, that’s going to be the best way to secure yourself long term. But 30 year mortgages are overwhelmingly common because prices are too high. Even so, they’re not a bad product.
But absolutely do not fall for this 50 year bullshit.
- Comment on FIRE EVERYTHING 3 months ago:
Me, but with any fluid intake. That first morning drink of whatever, and my body is like, “We got liquid? Send 'er on outta here!”
- Comment on The Guy Claiming That You Have TDS 3 months ago:
At this point, I’m down for a visit from the alien overlords as long as they make sure he’s inside before they do it.
- Comment on She definitely smells it, too. 3 months ago:
Being truly in love means blasting ass specifically because he/she is next to you.
- Comment on arriving 5 months ago:
I’m from Oklahoma. Let me give you an overview of our seasons, beginning with
Spring: Starts mild, ends warm. Thunderstorms, hail, tornadoes, and flooding are the main stories here.
Summer: Hot and muggy throughout. No clouds, rain, wind, relief. All you can do is make your clothes wet. Sometimes, I just point a leaf blower up my shirt. And at my testicles. I take cold showers all summer. It’s about the only way I can cool down enough to get some sleep.
Autumn: It’s like spring, but in reverse. Thunderstorms and tornadoes do happen, but rarely are they strong.
And finally - Winter: Nothing happens in a typical winter. It might snow a couple times in Central OK. And that’s really it. Once or twice every decade, we might get a historic winter storm. But most years are super uneventful and mild. It freezes most nights in deep winter, but only just.
In short, all four seasons are trying to kill you, but winter isn’t trying that hard. Spring and autumn are briefly nice. The average temperature might be 72, but what’s being left out is that it could be 91 on Monday, 49 on Wednesday, and 87 on Saturday. Or it could be between 65 and 75 all week. You never truly know until you get there.
At least it’s not, say, Iowa. I know for a fact their summers are almost as hot as ours, but their winters are waaaaaayyyyy colder.
I’ve tried to tell my wife many times that it is just as hot and humid here as it is where she’s from in Mississippi. Dew point is dew point, no matter where you are. It’s just that the humidity here goes away sooner and stays away for longer. And we don’t typically get tornadoes on Thanksgiving or Christmas. The southeast definitely does.
Anyway, we vacationed in Seattle last September, and - cost of living be damned - now I want to live there. If not for the weather, then at least for the seafood. But I love my nieces and nephews too much to be that far from them.
