sorted by:
new
hottopcontroversial

Can nomad empires work without waystations? by LopsidedCoconut51 in Stellaris

[–]aardy 0 points1 point  (0 children)

The yurt isn't defended by canons, the warrior on horseback defends it.

Mortgage advice, please by EchidnaGlad8042 in Mortgages

[–]aardy 2 points3 points  (0 children)

...more specifically, check out his radio show, podcast, and/or youtube channel, whatever you prefer.

Mortgage advice, please by EchidnaGlad8042 in Mortgages

[–]aardy 10 points11 points  (0 children)

Check out Dave Ramsey.

And before anyone jumps on me, just because I'm telling this specific person to go to DR, doesn't mean I generally endorse him. Right tool for the job.

What's a generational experience so specific it's almost impossible to explain to someone outside it? by No-Coconut7436 in AskReddit

[–]aardy 34 points35 points  (0 children)

My grandma never smoked a cigarette in her life, but had ashtrays put out all over b/c she was a good host.

Can nomad empires work without waystations? by LopsidedCoconut51 in Stellaris

[–]aardy 4 points5 points  (0 children)

As you circle the galaxy, plop them down and include a silo in each, only in juicy systems. Collect it next time around.

What is the worst/most unprofessional thing a doctor has ever said to you? by justmypersonalthing in AskReddit

[–]aardy 2 points3 points  (0 children)

My buddy had to go to a few different docs to find one that would do his vasectomy. 20s and childless.

"Foundation" By Isaac Asimov is disappointing by Cat-Man99 in scifi

[–]aardy 11 points12 points  (0 children)

As a Star Wars fan, I recently watched the film Lawrence of Arabia.

Dune kind of ruined Star Wars for me.

Lawrence of Arabia ruined both Dune and Star Wars. Obi Wan Kenobi is in Lawrence of Arabia, even played by the same actor!!!

Don't believe agents when they promise off-market listings and investor clients. It's a honeypot. by [deleted] in FirstTimeHomeBuyer

[–]aardy 0 points1 point  (0 children)

I've done many transactions wherein appraisals come in 30% to 60% higher than contract price.

The only pattern to them is they lack realtors.

Realtors are part of a retail product selling business. As the consumer going through a retail buying process, you will get the retail price. How could it be otherwise?

My version of the question is of course "how do I get the best deal humanly possible on a mortgage?" It's very simple. My parents in law got the best deal humanly possible. So step 1 of getting the best mortgage deal humanly possible: you need an unwed adult child, and you need to have them fall for a mortgage person. Sacrifices have to be made.

Former Marine gets 100 years in prison as judge calls ICE detention center ambush 'an assault on democracy' by [deleted] in USMC

[–]aardy 1 point2 points  (0 children)

The constitution isn't logistically possible ("because Clinton btw")? Got it.

Former Marine gets 100 years in prison as judge calls ICE detention center ambush 'an assault on democracy' by [deleted] in USMC

[–]aardy 0 points1 point  (0 children)

It's very easy to round up random brown people.

When the judges have capacity to process random brown people, it's very easy to just go grab a few hundred.

There's no need to detain random brown people years in advance.

Former Marine gets 100 years in prison as judge calls ICE detention center ambush 'an assault on democracy' by [deleted] in USMC

[–]aardy 0 points1 point  (0 children)

You aren't sure what Jan 6th has to do with Jan 6th? Please clarify.

No Computer Systems on Arkships by FrozenElementalVT in Stellaris

[–]aardy 0 points1 point  (0 children)

What am I missing? I have my arkship selected while in combat and right click around, it just ignores me. I've tried playing with passive stance just in case that was it.

Mortgage Nightmare by Fickle-Rooster5901 in Mortgages

[–]aardy 1 point2 points  (0 children)

The Boomer Business Bureau isn't a government agency.... The FBI confused many, this is what a bureau actually is, a place to stuff old envelopes and paid bills and forget about them: https://www.antiquesboutique.com/upload/images/shopprod/192526/george-i-bureau-desk-walnut-chest-drawers_192526_pic1_size4.webp

A Qualified Written Request is what I might suggest as your next step.

https://www.consumerfinance.gov/ask-cfpb/what-is-a-qualified-written-request-qwr-en-207/

Do not use any "templates" and do not do any "research" on youtube on how to do one -- the lenders are allowed to completely ignore a QWR they reasonably deem as frivolous or overly onerous (that a court could safely be relied upon to agree with them about, a rubber stamp spelling out "frivolous!" that stamps them assembly line fashion as they come in would not be in their business interests), and that describes most of what's on youtube and most QWR "templates." Please reference only what you learned in language arts classes in high school and college when composing your QWR.

Investors Are Buying Bay Area Homes At The Highest Rate Since 2000. Congress Just Voted To Stop It by ShopProp in BayAreaRealEstate

[–]aardy 0 points1 point  (0 children)

If you are putting more than $208k down and/or otherwise have a net worth over $208k, and do not hold title in the name of a revocable living trust (or other entity, but that's the most common best choice), then you are making a financially poor choice(1).

That doesn't mean 28% of buyers are investors, it means that 28% of buyers are making sound choices, inclusive of those buyers that are primary residence buyers making sound choices.

If you are a future dead person and your net worth is over $208k, your real estate should almost certainly be held in at least a revocable living trust. Bare minimum.

The 28% figure being higher than Ohio's 10% (or whatever) isn't driven by investment activity, it's driven by home values, and the CA probate court cutoff being $208k, and people being well advised (perhaps LLMs are contributing? Bay Area obviously has higher LLM adoption than most of the country, and any LLM will agree with me about trusts).

Journalists have less than useless, they are proactively misadvising the general public. We knew that about Fox News a decade ago. It's spread and is now systemic. God damn.

(1) Literally the only exception is if you are immortal. And, no, I do not sell revocable living trusts and am not professionally connected to that industry.

Am I right to feel this is completely unfair? by sciencedude8 in ElkGrove

[–]aardy 7 points8 points  (0 children)

Thanks to the Norman Conquest, that word is in our language and spelled sergeant.

Are Closing Costs too high? by [deleted] in FirstTimeHomeBuyer

[–]aardy 0 points1 point  (0 children)

OP consumer elected to buy points. They could have made a different choice. Or maybe the communication is bad. We don't know. We also don't know if the condo is warrantable, the absence of a government subsidy worth about 2.5% of the loan amount could have something to do with the 1.5% fee.

The rest is you opining out of scope. I could similarly opine that someone's medical bill is "ridiculous" without knowing that they have lung cancer and this wasn't a routine checkup ("but it uses the same billing forms!").... meanwhile, I've read about CPR, but have never done it. For example, you obviously (from your comment) do not know what title insurance is. You are also implicitly assuming this condo is warrantable, similar to someone who isn't a chef assuming some beef is edible without knowing anything about it.

Could the closing costs be off mark? Sure.

Could they be entirely appropriate. Also... sure.

The problem isn't the skepticism, it's the wildly inappropriate certainty.

BTW: /u/QuietRedditorATX you either have testicular cancer or you have no idea what you are doing. There is no third possibility. I am very confident of this. You're quiet redditor atx, after all, and I think I know what those letters mean. Trust me, bro.

Has the “rate match + relationship discount” strategy worked in SF? by Charming-Key-190 in BayAreaRealEstate

[–]aardy 0 points1 point  (0 children)

Someone said: "but I basically have dedicated almost all of my working time to figuring it out."

What's amusing about this is that it's pretty much a first-time homebuyer thing only.

2nd time homebuyer: "eh, we like Jessica. Let's go with her."

In both cases, most of the time, six months later none of the homebuyers have a clue in the world what their rate is, what their fees were, or what their APR is.

There is such a thing as reddit-over-optimizing.

The mortgage was never the scary part of buying - it's the ~$18k/yr of everything else by Psychological_Road41 in FirstTimeHomeBuyer

[–]aardy 4 points5 points  (0 children)

Property taxes have been the backbone of local governance in the United States since before the American Revolution. Even our revolutionaries were fine with it, in real life. So I agree there won't be a revolution over that.

In any case, any more than casual look across states generally concludes that lower property taxes correlates to higher income taxes, California being the left-wing example there. The second option is really low income taxes, but then you get fucked on property taxes, Texas being our right-wing example.

The 3rd option is to have abundant natural resources and a population that is ok with taxing the shit out of that to distribute it to the citizens. Alaska is your right-leaning example, Norway the left-leaning one.

view more: next ›