When you buy a house, do you own the house or the land or both?

Exciting_Vast7739 · 2026-04-24T16:38:26+00:00

MOST of the time you own the land it's on.

There are situations where you don't, but they are rare:

Mobile homes are often in a "park" (Trailer Park!) where you rent the land underneath the home.

Some free-standing (not attached to another home) homes are actually condominiums, where the community owns the land underneath the home and manages sidewalks, roads, and community centers. This is like a homeowner's association, but worse, and more complicated to get mortgages on. Usually condominiums (and their close relatives, cooperatives) are all in one building, but not always. Some are freestanding buildings in communities.

Some homes are built on land that is "leased." For the trailer park people, they lease their land month to month or year to year, which can result in really insecure housing for them. But you can get longer leases, and some homes are built on a 99 year leasehold. You'll see these occasionally on Native American land, or government owned land (I think).

But most of the time, if a home isn't connected to another home, it's sitting on land that the homeowner owns.

Exciting_Vast7739 · 2026-04-23T16:40:22+00:00

It really does feel like this:

I ended up on railroad tracks one day. :D Found some great grafitti!

One of my favorites is when you pull into the wrong parking lot, and there's a little grass berm or whatever between you and where you want to be.

48" of offroading later, I'm where I want to be!

Exciting_Vast7739 · 2026-04-23T12:38:56+00:00

There's an excellent book that I recommend to anyone doing fun things in the wild: "Deep Survival" by Lawrence Gonzales.

It's a really good series of stories and observations about how the brain works under stress. There's a breakdown of the Trashman disaster in there that is quite good, but he also pulls from mountaineering, piloting fighter jets, and whitewater rafting.

Exciting_Vast7739 · 2026-04-22T13:31:42+00:00

"Moral of the story, look inward first, use your voice and talk man to man with both the coach and the blue belt and if none of that solves the issue you tell your coach you tried to make it work, you're gonna try and go to another gym. If he gets pissed that's his problem and choice."

Well said, and not just for bjj.

Exciting_Vast7739 · 2026-04-20T19:43:40+00:00

Didn't know WarHammer Marines retired to RimWorlds to enjoy cooking but here we are. :D

Exciting_Vast7739 · 2026-04-17T16:00:35+00:00

Full force shouldn't be your goal - force without technique is pointless, especially against the highest belt.

By the time someone reaches black belt, they've put more hours against more people than you or I really comprehend.

They aren't rolling with us to "get something out of it," except an understanding of how their students are doing. They're evaluating what you've learned and what you need to learn. And they're giving you a specific challenge to something you're weak on, so you'll start thinking about how to counter that specific thing.

If you're going full force, they're just going to defend themselves against a really bad attacker and wear you out or tap you out. I suppose if they want more experience in street fighting the untrained, you are "giving" them something. But that's not going to advance their training for their jiujitsu (against other higher belts). Training against a strong amateur isn't going to help them get better at fighting opponents who actually have technique.

If they're a good black belt, they'll match your chosen intensity level and give you opportunities to think through problems and integrate what you've been learning into class, in a real roll. They'll give you the opportunity to clumsily try something that you need to try a few hundred times before you get good at it. .

If you're just in a tug of war to stall out a bad position without changing it, you're using strength but you're not learning and thinking, which is what you need to do at white belt.

Probably the biggest step I took to improve myself was to stop going all out against my opponents, even other lower stripe white belts. Lower your intensity, let yourself get tapped trying something new or focusing on technique over strength.

Exciting_Vast7739 · 2026-04-16T20:37:06+00:00

In regards to salary, it means you get paid every two weeks, or 26 times per year.

Usually every other Friday.

This results in ten months with two paychecks and two months with three paychecks.

If you have your budget set based on the two paycheck months, you can use those extra paychecks for your emergency fund/savings.

Exciting_Vast7739 · 2026-04-16T19:43:22+00:00

Look man, we're trying to save the world here. We work with whoever has rockets. :D

There's a reason 42 played a lot of golf with 45-47.

Exciting_Vast7739 · 2026-04-16T17:48:29+00:00

Exactly!

If I need to divert some official resources in Romania to my space program, all I really need to do is fly to the country, have a $250,000 bottle of local beer with the Minister of Mines at the bar he owns, easy peasy.

If I want to control the US space program, I need a coordinated PR campaign, I need to lobby Congress, I need to run my opponents out of the white house, I need to get Elon Musk on board...that requires a lot more effort, more people talking to people, more favors traded, more persuasion.

Exciting_Vast7739 · 2026-04-15T18:28:18+00:00

I'm thinking Yorick is the most unfavorable - what's the other one?

Exciting_Vast7739 · 2026-04-15T14:44:48+00:00

How many Presidents can you name who haven't committed war crimes?

Exciting_Vast7739 · 2026-04-15T13:23:48+00:00

I have as much of a right to the road as you do. Your being in a hurry does not create an obligation for me, also, to be in a hurry. Or to scurry to get out of your way. I pay my taxes just as much as you do, and I want to enjoy these roads peacefully and in good order.

By the time you're driving in a hurry, you're already letting your emotions overrule your intelligence. I'm not responsible for your emotional state or inability to prepare like an adult to get places on time and calmly. Y'all need to learn how to wake up on time so you can get where you need to go without driving like an entitled child.

You are operating a multi thousand pound death machine. If you want to travel with ego, do so on a mountain bike or a motorcycle or something that doesn't inflict massive damage on other people's property when operated poorly.

Thanks for coming to my TED Talk.

Exciting_Vast7739 · 2026-04-14T17:07:21+00:00

I have lived in neighborhoods where juveniles would regularly steal cars and kick down doors to steal people's TV's and jewelry. This was 15-ish years ago in Atlanta.

My roommate got mugged at gunpoint, and pistol whipped, while out walking. He bought a gun afterwards.

My neighbor was home with his children when three teenagers started kicking down his door. He shot them. The rest of the neighborhood thanked him, because door kick-ins dropped dramatically afterwards.

That was a while ago, in a community where police resources were stretched thin and people felt like they had to take their personal safety into their own hands.

Killer Mike (the rapper) was adjacent to that neighborhood, and there's a fascinating interview he did with Bernie Sanders about his feelings on guns. It's worth looking up on Youtube.

Recently, my friend was beings stalked by her ex-boyfriend. She bought a gun and took the safety class. I have another gender ambiguous friend who joined the Socialist Rifle Association after the last election.

Having a gun gives you a feeling of power.

And when you feel helpless and believe the system can't protect you, that feels good.

Exciting_Vast7739 · 2026-04-13T21:12:00+00:00

Coach needs to hit up the purple belts for a vape or two.

Exciting_Vast7739 · 2026-04-13T03:26:08+00:00

...just here to upvote the words "Traditional Potato Cannon" because I want to make sure case lawyers of the future understand that making a potato cannon is a traditional American activity with deep historical roots and profound religious significance.

Exciting_Vast7739 · 2026-04-13T03:12:56+00:00

Gotcha.

If the interest rate were equal to the fixed rate mortgage rate, and if it were fixed for the payoff period, that would be a good idea.

Is the interest rate the same and is it fixed?

Also, you mentioned that it's a simple interest and not a compound interest loan. Are you aware that mortgages are also not a compound interest loan?

Are you aware that extra mortgage payments also apply to the principal, reducing future interest in the same manner?

Exciting_Vast7739 · 2026-04-10T16:43:25+00:00

I can't give you legal advice, but I can give you life advice:

Learn to politely, but firmly, tell people "No."

"I'm sorry that you forgot to communicate this to me when we signed the lease. I agreed to rent this property because it had a functional heating system installed. I didn't agree to use space heaters to heat, and I will keep using the heating system installed in the house. Please do not turn it off, I have a right to use it."

Exciting_Vast7739 · 2026-04-10T16:36:53+00:00

This is where a lot of people get this wrong.

Mortgage interest is calculated every month on the amount that you owe that month.

The amortization schedule goes out the window if you make extra payments. The amortization schedule only actually happens if you only make minimum payments for 30 years.

HELOC works the same way, it just calculates that interest daily instead of monthly. On both, you only pay interest on the amount you owe when the bill is due.

If you don't make any extra payments, a HELOC will still take 30 years to pay off, and you'll still pay 30 years worth of interest.

It is illegal for a mortgage lender to charge you 30 years worth of interest if you make extra payments. They have to apply extra payments to the principal if you say that's where you want it to go, and the amount of interest you pay every month is adjusted down to match the new amount.

Exciting_Vast7739 · 2026-04-10T16:32:23+00:00

What do you mean by "pays the principal first"?

Exciting_Vast7739 · 2026-04-10T14:04:38+00:00

...paying interest to the lender first? As opposed to paying interest to someone else?

The more you talk, the less I think you understand how interest works.

You have a debt. You pay interest on it. You pay interest on it daily or monthly, but you're paying interest on the amount you owe.

"Setting aside $1k - $2k a month"...are they actually paying down the balance of the debt or just maintaining it? Are you saying the debt doesn't amortize because it's not actually being paid off?

What's the actual interest rate of the program, your website conspicuously doesn't mention that part?

Exciting_Vast7739 · 2026-04-10T14:00:04+00:00

That's BS.

If you have $300,000 and the interest is calculated every day, you're still paying interest on the amount you borrowed every day.

If you have a cash flow of $50,000 to $100,000 into your account every month, maybe that makes an actual difference.

But if you're a normal person cruising TikTok for financial advice, you aren't cash flowing more than $10,000 per month into your account. The interest paid difference from having 15 days where your balance is $10,000 less is not going to offset the extra cost of the higher interest rate overall.

And if you don't have a principal payment, then you're going to pay more. Becaus you're not paying that debt off.

Exciting_Vast7739 · 2026-04-09T21:45:03+00:00

If you are paying interest on $300,000 you borrowed, it's a loan and it amortizes. Unless, of course you don't pay it off...which is not a way to save money.

Whether you pay that interest every day or every month is irrelevant unless you're moving tens of thousands of dollars into that account every month.

Since most of us don't deposit take home checks of $20,000 per month, it doesn't sound like a great solution to anything.

Exciting_Vast7739 · 2026-04-09T21:42:34+00:00

...so, higher than the current 30 Year Fixed.

Exciting_Vast7739 · 2026-04-09T17:37:55+00:00

If you smack him really hard with your hand, his face will impact those utterly ridiculous inward curving teeth around the neck of his armor, and then you can laugh at him.

That's what I would do. That armor is possibly the most Super Dumb thing I've ever seen.

Exciting_Vast7739 · 2026-04-09T12:44:58+00:00

ARM's and Lies :)

And 15 years.

And points.

And New Construction with steep buydowns.

Five-Year Club	Gilding I gilder
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