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Posts
11
Comments
1,378
Joined
2 yr. ago

  • Meta sucks and allowing accusations of mental illness is shitty.

    That said, "allegations of abnormality" and "weird" are hard to take issue with. There is nothing at all wrong with being gay or trans, but by the numbers it is absolutely "weird" and "abnormal". This is exactly what the word "queer" means, by definition.

    Accusing of mental illness is reproachable, but weird and abnormal are both accurate. You no what else is abnormal? Being exceptional. These are not bad conditions to find yourself in, but neither are they "normal" by population.

  • "The first few years go to interest" and "the first few years are overwhelmingly paid toward interest" are not the same thing. The shorter the term, the smaller the total amount of interest paid is (and often the better the rates), and the more principal only payments you can make the lesser the interest paid.

    Of course interest fraction is different by payment, but it's not as though the first payments you make are a lost cause: mortgage payments are always contributing to your ownership, rent payments never are. It's only a question of liquidity in the moment. Depending on the OPs situation rent could be more than a mortgage payment, in which case I know which I'd rather pay (as long as I could afford the insurance) if I wasnt planning to move right away.

  • Depends how much money you have an the mortgage length you pick. Every payment covers some principle and some interest. There is no situation where you get a house and then just pay interest. This is a lack of understanding of how payments work.

  • Well that's a super nuanced answer though.

    IF OP can afford a house AND can keep enough emergency savings to deal with an issue, it may still be better to buy. Rental money is just gone forever in exchange for not assuming any risk on the property, but it retains no value.

    If OP can't afford to buy at all, this post is stupid, so the question is really if there's no money left for emergencies. In which case, the obvious answer is keep renting because a single point of failure pushing you out of your house is a bad proposition.

    If there's SOME money.... It just depends on the house. Some of the failure points are covered by inspection, but it could be risky. Better to not max out your ability to borrow if at all possible.

  • How are they different? It's halal brand soap and that's the difference?

    "How is halal stuff done differently?"

    "Oh, you have to do it differently." / “it's cleaned with different chemicals."

    .... Neat. You can tell it's different by how it is... I guess.