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InitialsDiceBearhttps://github.com/dicebear/dicebearhttps://creativecommons.org/publicdomain/zero/1.0/„Initials” (https://github.com/dicebear/dicebear) by „DiceBear”, licensed under „CC0 1.0” (https://creativecommons.org/publicdomain/zero/1.0/)JU
Posts
2
Comments
655
Joined
2 yr. ago

  • I bought in April of last year. 4.99%, right at the inflection point when interest was rising and prices went flat before falling the bit they did. Puts me technically underwater cause I probably can’t sell for more than what I owe, but the buyer would prob spend more than I did.

    It’s gonna take a minute before I have equity lol 😭

  • Looks like the stuff they’re talking about is going to exclude me, which is unfortunate since I could really use the relief. But I hope something goes through and everyone else can get the help. It’ll be good for the economy and I’ll survive even if it means continuing to work two jobs.

  • The fact that they can just manipulate supply I what makes supply and demand a farce with oil. Demand doesn’t change the price, only supply.

    Oil and gas could still be cheap today, there’s no shortage of oil at all, so they create the conditions necessary to benefit them. They’ll do exactly the same thing as demand for oil peters out, but they’ll wring the neck of that goose tighter and tighter until it finally dies. And it’s the people who can’t afford a new car that will suffer the worst when that happens.

  • That’s what you’d think. But they’re capitalists and will squeeze every penny they can to their dying breath.

    Supply and demand is largely a myth, especially in markets like oil where it’s practically a monopoly.

  • I’m also anti-landlord, because of how the system is built. But if someone was independently wealthy and approached it as a philanthropic endeavor it could be different and solve the housing crisis for at least some. I wouldn’t be in it to make money, I’d be in it to give people that need somewhere to live a place that they can afford. And yes, eventually buy if they want to, though not everyone with limited income can afford the up front costs associated with owning (like when an appliance breaks, or there’s another problem with the building) so I understand why some wouldn’t want to. But if I had the means to take a loss on it, and did, it feels very different than the capitalist landlord squeezing tenants to make their salary.

  • Quit my job

    Pay off and renovate my house.

    Buy a new car, something nice but not over the top.

    Set up services for my neighborhood to drag the people round me out of poverty and ensure every kid gets the chance to get a good education.

    Ensure all housing in my neighborhood is up to code and in good shape/safe to be lived in.

    Pay off the debt of every person in my neighborhood, prioritizing medical and student debt.

    Buy the people I love the things they need, set up trusts for their kids, pay off their debt, help them financially without enabling them into their bad habits.

    Feels like that should probably reach $20m fairly quickly.

    Become a landlord that makes housing actually accessible driving down prices and providing safe places for people in my neighborhood to live.

  • YNAB - it’s subscription based but is the best budgeting app I’ve found. Keeps me honest with my money, and when I was married was amazing for keeping us synced on our shared spending budgets.

  • Oh shit, the might be what I need to finally unsubscribe from the last few streaming services I pay for and fully hit the high seas.

    eta: downloaded it and spent the last 30 minutes perusing and bought the app. Looks great.