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Cake day: July 14th, 2023

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  • I rent a house for $4600/mo. To buy this same house in the same neighborhood, it would be roughly $1.6m, tho prices are starting to fall a little on these higher cost neighborhoods, so let’s say $1.5m for a deal.

    With a 20% down-payment on a 30 year fixed rate loan, it would be close to $10000/mo (including insurance and property taxes).

    Also, the lions share of your mortgage goes to paying down interest for the first decade or so.

    So let’s say $1k goes to principle per month. You’re still burning twice as much money owning as renting.

    The only financial upside is that you may be able to sell for more than you paid. Minus Realtor fees, whatever renovations / maintenance you made over the years, etc.

    The current market is insane.

    Edit - so I’m not talking in complete generalities, I glanced at the interest/principal ratio. No idea how accurate this is.

    After a year of mortgage payments, 31% of your money starts to go toward the principal. You see 45% going toward principal after ten years and 67% going toward principal after year 20.

    https://www.americanfinancing.net/mortgage-basics/mortgage-payment-explained

    I don’t know what the ratio is in the first year, maybe 100% interest?

    So at a monthly payment of $9800, $7864 of which is towards mortgage, that’s $2437 / mo towards principal from years 2-9.

    So essentially you’re burning $7363 instead of $4600 for the hope that your house increases in value when you sell it.

    Fiscally speaking. There are a lot of other pros and cons to owning.






  • Oh, don’t worry, their mental gymnastics will allow them to smugly blame the DNC while the world falls to pieces.

    They’ll fart into their glasses and huff while recounting how it was the DEMS fault for being unattractive, even while the fascists dismantle the checks and balances, pass a federal ban on abortion, Russia slaughters Ukrainian men, women, and elderly by the thousands and ships their children off to Russia to be prepatrioted.

    They’ll say Isreal would have done the same under Harris as they completely repell or slaughter the remaining Palestinians out of the west bank and move on to Lebenon.

    They’ll shrug as hundreds of thousands of immigrants, illegal or otherwise, and rounded up and thrown in camps or shipped over the border with no recourse besides an intentionally ineffective appeals process if they actually happened to be here legally.

    Etc. Etc.

    They’ll just blame it on the Dems. Just like they have done since 2016. And they’ll feel great about it.



  • I honestly wouldn’t be surprised if they are Isreali or Russian psy ops accounts (or at least useful idiots that have bought the psy ops).

    When the war started, Lemmy was overrun by the “criticism of Isreal is antisemetic” accounts. That was rejected pretty hard. Those guys disappeared, and the “never genocide” people took their place.

    It almost seems like a change in tactics to achieve the same goal.


  • Obviously, this statement was not targeting you specifically. “You” is targeted towards Trump voters and non-voters.

    We knew what was on the ballot. I don’t care that the DNC could have done better. When the choice is “meh” vs literal Nazis, you’re a damn nazi if you didn’t vote directly against them.

    I’m fucking done mincing words after voters gave them the House, Senate, POTUS, and all the god damn courts.


  • Trump also said he’d aggressively deport and sort through the mistakes later. He’s going to deport legal immigrants too, and I very much doubt they’ll let them back in without an extensive legal battle. Which will never move forward because he’ll intentionally starve the court system (like congress already did at his order) so that realistically, they will never get through the system.

    Great fucking job giving Nazis free reign, you stupid, stupid, evil fuckers. You had a choice to fight nazis when it was easy. Just a vote. But you chose nazis, one way or another.










  • Biden is too old, I refuse to vote for Genocide Joe!

    Ok, but Harris is really the only choice this late in the race, and her policies are probably pretty similar. Would you really vote for her?

    Yes! Anything is better than an old senile man!

    Biden steps down.

    1 month of silence.

    Screeeee I refuse to vote for genocide!!!