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42
Joined
3 yr. ago

I'm a lumberjack and I'm ok.

  • I bought at the peak myself to have stable housing while raising kids.

    If house prices just stayed flat until wages caught up and then only increased similar to match wage increases (not inflation) that might be a reasonable compromise between the middle class who have a house and don't. Those who own will still be paying down a mortgage so increasing your equity that way without being decimated if you have to move. Unfortunately at this point, that could take awhile before wages caught up.

  • I'm not arguing in favor for house prices going up but just wanted to point out how a lot of people use the value of their home. You can pull out money from your house and your interest payments don't change when the value of your house goes up.

    I'll give the example of my neighbor. They bought their house 10 years ago at about $250k. Interest rates were around 4.5%. We're in a location that got really hot during the pandemic and the house value jumped to about $700k. At that moment, they had the same payments as 10 years ago. Then interest rates dropped down below 3%. His balance on the original mortgage is probably about $175k and now he refinances the house with a mortgage of $325k, pays off the old loan, and pockets $150k out of the house. But due to the lower interest rates, his payment is the same as it was 10 years ago. He just has $150k in his pocket. Meanwhile, I'm the schmuck who had to buy the identical house at $700k at 5% and pay 3x for the same house.

  • Working for me.

  • For the same reason there are McDonalds everywhere. They are familiar and convenient despite almost always being inferior.

  • No Stupid Questions @lemmy.world

    How did indigenous people survive hurricanes in the carribean

  • This was my mom. Lots of therapy and 20 years later I’m good now. One major thing I do differently as a parent is apologize to my kids when I screw up.

    If you do something against the rules then you have an appropriate punishment. Yelling and berating is never an appropriate punishment. If yell at my kid because I’m mad I always apologize. Hopefully it will lessen their therapy bills.

  • Yeah. It’s extremely common. Fluoride treatments, sealants, crown replacements aren’t necessary. And things like veneers, and whiting are pushed pretty hard.

  • I was talking to a gay family married who was married to opposite gender for 20 years and had a family before coming out. We both grew up in a world that said homosexuality was a choice.

    He said he “chose to be straight” for 20+ years and it almost killed him and ruined the lives of others.

  • My mother in law was an office manager at a dentist. Dentists have sales quotas and have bonuses to everyone in the office for upselling.

    You go in to a medical professional for health care and advice and they try and sell to you.

  • Uh… I never wondered that till now.

  • Automatic doors.

  • It’s actually flashing the screen to a photo sensor

  • Perfect application for PWA. Save it to your homepage and works just fine.

  • I agree mostly but 401k does last after you leave a company. It’s more like a bank account setup for your employer to put money in.

    It’s just used for onboarding and not managing or following your investments.

  • Unpopular Opinion @lemmy.world

    Not everything needs an app

  • Thank you!

  • There are exceptions and I think Apple Music is one of them. They've been playing catch up with Spotify. I only have Apple Music because it's with the bundle of everything else.

    Edit: grammar

  • Fitness @lemmy.world

    Best Strength Programs for Mobility

  • It is cool but parallels has removed my need to dual boot.

  • Gotcha. I’m thinking I might be able to get a GC to do the outside and white box on the inside. I can finish it from there.

  • More than likely. Because it means I'm not moving. I'd pay 20k in realtor fee easily. But my questions were less about the value and more about the experience. Did you do any of it yourself or use a GC?

  • Good points.

  • Home Improvement @lemmy.world

    Building over garage. Is it worth it?

  • Fediverse @lemmy.world

    Is there a way to personalize your feed?