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  • Avocado toast itself is a great meal. If you make it at home, it’s a cheap meal full of good fats that will keep you full for a while.

    Avocado toast in a cafe or something is stupid because they charge $15-20 for something that costs $1 to make.

  • Duh !

    Jump
  • So just don’t use the built in software. I don’t have any of my TVs connected to the internet or use their built in OS. I have a couple of Apple TVs plugged in and run everything off that. Never even set the things up beyond plugging them in and switching to HDMI 1.

    There’s also the Chromecast TV if you use Android.

    If you use a separate smart tv device like those, then the only thing you need to care about on the TV itself is resolution, refresh, and number of ports. Or if you want to spend a chunk of change then you can look into things like OLED. But the separate devices make the TV OS irrelevant.

  • Which is largely irrelevant to most people today.

    Anyone that’s younger than around 40 were kids in 1993 and not really paying attention to national crime statistics. If they were born yet at all.

    I was born in 91, and I’m now in my 30s with kids of my own in school. I don’t give a shit what the crime rate was when I was two, I care about what it is now. I keep up with things and know that the increase from 2019-2021 was largely Covid related and it’s decreasing again, but the vast majority of people don’t pay that much attention, and to them crime is absolutely up since a few years ago.

  • That does happen. Most long haul freight is done overnight so that there’s less traffic and the trucks can be more efficient with time.

    Short to medium haul freight needs to get the finished product from the factory to the distribution centers for the long haul freight to pick it up.

    Also, most production factories are 24/7 anyway. Usually you have 5-1, 1-9, and 9-5.

  • Spare a dollar?

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  • Because if you have several hundred thousand dollars laying around to pay in cash, you’re better off investing that into an index fund which will have a higher rate of return than the interest on the mortgage.

    If you have $500k and want to buy a $500k house, you could pay the entire $500k down and own the house free and clear, but you would only gain the appreciation on the house if you ever sell it. Assuming doubling in value every 10 years it should be worth $4M after 30 years.

    If you had $500k and took out a mortgage of $400k, at the national average of 7% and 30 years, you would pay a total $1,033,654. If you took the other $400k you had and put it in just the S&P 500 which has averaged right at 10% annually, and left it there, you would end up with $6,979,760 in that fund at the end of the 30 years.

    So you would come out ahead by about $4 million at the end if you took the mortgage and invested the cash.

  • Spare a dollar?

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  • It’s a bug in that if you pay cash for a house, you won’t be paying into escrow for tax and insurance. Banks require that in the vast majority of mortgages.

    This is just a simple online mortgage calculator so it factors in escrow into the monthly payment since that’s what pretty much everyone is going to have.

  • Spare a dollar?

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  • If you have a mortgage, 99/100 the bank is going to make you pay into escrow for insurance and taxes.

    This is just a simple online mortgage calculator so it’s not factoring in that you could just pay those yourself if you’re paying all cash for the house.

  • The secret service didn’t exist when the founders wrote the constitution. It was created in 1865 to investigate counterfeiting, and was assigned to Presidential protection in 1901.

    There’s actually nothing in the constitution that gives a former president anything at all. That all came from the former presidents act of 1958.

    There was no pension or other benefits, or any protection before then.