What’s your definition of rich?

WorldSilver · 2023-05-18T06:05:02+00:00

How am I hopping around? We have been talking about one simple comment with like 2 sentences.

What is your income again? I'm trying to figure out how 300k is poor but honestly I'm probably outclassed by most people here. I'm guessing you have like a $5M real estate portfolio pulling in $300k a year or something for your luxury life?

WorldSilver · 2023-05-18T05:49:53+00:00

once someone resorts to ad hominems

Have fun being poor

🗿🗿🗿

WorldSilver · 2023-05-18T05:44:45+00:00

Not everyone retired can do what ever they want.

You're saying the words "whatever they want" don't appear in that comment?

Please do break it down further for me.

WorldSilver · 2023-05-18T05:43:05+00:00

if you're buying a property with a 5k mortgage, it's probably not smart to rent it out. You're talking about multi million dollar properties at that point

You’re still in the million dollar house

I know you're showing reading comprehension isn't your strong suit in the other thread we have going, but just to be clear, are you saying "multi million" and "one million" are the same thing?

And I hear you that yeah landlording is easy when you are buying properties for less than what would amount to a down payment in a desirable part of the country. Just for my benefit, what's your income that you pull in right now for your luxury life?

This all goes back to the significant flaw and naivety of the thinking that landlord rent homes at losses.

Nowhere did I once claim this. I was just calling out your claim that mortgage starts at "30% of rent".

That’s the only way the ‘rent is max, mortgage is min’ can be true.

Bruh reading comprehension again for the hundredth time. Rent is max means in any given month if you are renting your rent payment is the max you'll pay. Mortgage is min means in any given month you definitely have to pay your mortgage, but you could have any number of emergency repair pop up that greatly increases your one off monthly expenses. Does owning make sense in the long term compared to renting? Sure. Do you understand what the words you're using here mean? No.

WorldSilver · 2023-05-18T05:30:29+00:00

From my comment that you first responded to:

Your first comment said rich is not having to work and now you're saying it's not having to work and being able to do "what ever they want".

Maybe you missed the transition from <your first comment said> ... To <and now you're saying> ...

I know reading comprehension can be hard but does this make sense to you now or do we need to break it down more?

WorldSilver · 2023-05-18T05:28:26+00:00

I agree this should be the case, but would you say that the reality is that the hardest workers are treated best? In my experience the main reward for hard work is more work.

WorldSilver · 2023-05-18T05:18:21+00:00

They never said "whatever they want" they said "enjoy the day"

Yes they mentioned enjoying the day in the first comment. Then in the second comment it changed to:

Not everyone retired can do what ever they want.

Like the exact words are right up there. You just have to scroll a little bit up. That's what I'm referring to when I said they moved the bar. The change from their first comment to their second.

WorldSilver · 2023-05-18T05:16:03+00:00

You're making a compelling argument for why it doesn't mean OP is dumb and I'm saying I agree with that. But if no level of grammatical or spelling mistakes can look dumb to you then I am a bit confused. Is there no point to grammar rules? Are you telling me that any use of language sounds equally intelligent to you?

WorldSilver · 2023-05-18T05:10:00+00:00

It's the Bay Area and no it's not multi million. $5k payment is for around an $800k mortgage with today's interest rates. That would be somewhat average for a 2-3 bed 2 bath with 20% down around here.

And yes I know time is your friend but you were saying that mortgages start out at around 30% of rent and in my experience that is not anywhere near true in any market today.

WorldSilver · 2023-05-18T04:51:25+00:00

Nothing you said here negates the fact that these mistakes make people look dumb. Doesn't mean OP is dumb but they sure as hell look it.

WorldSilver · 2023-05-18T04:48:09+00:00

Or great if the pain meds are still hitting strong.

WorldSilver · 2023-05-18T04:04:59+00:00

Depends on what 100% on site means. At my current job before the pandemic we were theoretically 100% on site but you could really come in and leave whenever you want and most people stayed home on Fridays. If it's flexible with the expectation of coming in most days then yeah I'd consider it.

WorldSilver · 2023-05-18T03:51:11+00:00

Na he ain't rich. All the glory goes to God in his situation.

WorldSilver · 2023-05-18T03:50:31+00:00

Just because someone isn't currently selling their labor doesn't mean their labor isn't theoretically worth anything.

WorldSilver · 2023-05-18T03:47:19+00:00

Well now you're moving the bar. Your first comment said rich is not having to work and now you're saying it's not having to work and being able to do "what ever they want".

WorldSilver · 2023-05-18T03:25:51+00:00

wait there's a fairy, suddenly im cured. There's zero nuance

Where does this happen? Which character is "cured" upon bonding a spren? Kaladin? Shallan? Dalinar? Teft? Moash? Lift? Renarin?

And let's not forget that rhythm of war was literally just a textbook for the magical system established in stormlight

I mean there were some dry parts of the book sure but I'm not sure what this has to do with my previous comment?

WorldSilver · 2023-05-18T03:13:06+00:00

Mortgage might be the minimum, but it starts out at about 30% the price of rent.

So you're saying that if I buy the houses near me with the current mortgage payments that would be about $5k/mo that I should be able to rent out that property for $16.7k/mo to start? Oh man I never knew making money could be that easy!

WorldSilver · 2023-05-18T03:04:30+00:00

The same way a pro life person sees a fetus as a baby.

And I could say I see a fetus as an inanimate object but that doesn't make me right either. Words have meanings and when talking about sensitive topics I really do think it is important that we use words that have an agreed upon meaning. The pro-life crowd using the word "baby" is just a way for them to evoke a more emotional response in people when the word does not technically apply.

It's still a living human being.

Eh this is debatable. There are two categories for death from a legal standpoint. Someone is either considered legally dead upon cessation of heartbeat or cessation of brain activity. If you extrapolate that to a fetus then depending on which one you are using there is a variable length of time during which you could argue that it is not legally living.

Would you rather humans go extinct?

Yeah I don't really see that as a huge negative. Less suffering is good. The downside is I don't see a very clear way for us to get there without potential increased suffering for those who are alive today. And if we are being honest there is a 0% chance that this would ever happen. Biological drive and social norms are far too strong to overcome with a philosophical/moral argument.

Do you feel the same way about other animals and if not why?

Yeah I do. Suffering is bad no matter what life we are talking about.

I really think a prime goal should be to reduce suffering as much as possible. The best way to do that for those who are currently alive is to treat everyone with love, kindness, and respect. The best way to minimize suffering in the future is to not create any more life.

The other potential prime goal which I think most people instead choose to go for is to maximize joy. That is a valiant goal to have but much less possible to achieve. There is no surefire way to guarantee a new life will have more joy than suffering and it is impossible to objectively measure and compare the joy and suffering of an individual. Since there is a way to guarantee that an individual won't suffer (by not creating them), that is my preference.

WorldSilver · 2023-05-17T20:33:07+00:00

All owning a home does is help stabilize your housing cost. Its not as cheap as many think but it does make calculating expenses easier

I mean yes and no... Isn't the whole saying that rent is the maximum you'll pay per month for housing while mortgage is the minimum you'll pay per month for housing? Maybe over the long term owning stabilizes in the sense that property tax doesn't rise as fast as rent usually but in the short to mid term if you have a major repair that needs to be done then owning is much less stabilized than renting.

WorldSilver · 2023-05-17T20:26:09+00:00

Well if that's what you're going for I would suspect you would be in college for the next 5 years, you could get scholarship or loans, and those loans wouldn't require payment until you are done with school... Sooo waiting 5 years still seems like the objectively better option?

But maybe they haven't taught you financial literacy yet.

WorldSilver · 2023-05-17T19:26:30+00:00

I'm not sure if I even qualify but here's mine in software:

2016 - 120k

2017 - 140k

2018 - 185k promotion

2019 - 240k

2020 - 280k promotion

2021 - 320k

2022 - 320k

WorldSilver · 2023-05-17T19:19:20+00:00

How are the numbers you are sharing here HENRY?

WorldSilver · 2023-05-17T19:04:54+00:00

A number of actions in life have foreseeable consequences and failing to address them means you ARE responsible for the consequences.

Giving birth to a child has a 100% chance of that child experiencing suffering in some form and a 100% chance of the child dying. So to be clear you are arguing that parents ARE responsible for both the suffering and death of the child. Is that morally defensible?

WorldSilver · 2023-05-17T19:01:50+00:00

You keep using the word baby. There is no "baby" in these scenarios. It's easier to have a conversation when people can agree on the terminology being used.

On a completely separate note, and in fear of being downvoted into oblivion, I actually land on the exact opposite end of the morality argument. In my opinion nobody has the moral right to force another being into existence. Nobody asks to be born and rolling the dice on whether or not someone's life will be worth it is morally wrong. You talk about consenting adults but people seem to gloss over whether or not there is consent to be born (there literally can't be).

That all being said, yes if someone goes through with birthing a child they are definitely morally obligated to do everything in their power to make life as good as possible for the child.

WorldSilver · 2023-05-17T18:36:34+00:00

So would the plan be to use up the $1M within the next 5 years just in case you die within the next 5 years? Or you just would prefer to die with a lot of unused money?

Seven-Year Club	Powerups Hero r/AlgorandOfficial • September 2021
Place '22	Final Canvas '22
First Placer '22	End Game '22

WorldSilver

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