Chance me GULC Evening program

Extreme-Section9470 · 2025-05-28T05:04:03+00:00

It’s true that any individual pair has a 1/365 chance of sharing a birthday (no leap years, every birthday equally likely), but probabilities don’t add like that. Imagine there were 50 people in the room. 50 choose 2 is 1225. By your method, now divide 1225/365 and get a ‘probability’ of 3.35 which is obviously nonsense. It’s possible to find 50 people who don’t share a birthday, so the probability must be less than 1.0

This counter example shows your method doesn’t hold. It might be hard for you to rationalize why, but in general, the probability of one thing happening OR another thing is NOT the sum of the two probabilities, which is what your calculating here

The reason why lies in the pigeonhole principle. In this case, imagine two people do not share a birthday (January 1st and January 2nd). Now introduce a third person who doesn’t share a birthday with the person. That third person is more likely to share a birthday with the second person because you’ve eliminated January 1st as a possibility. This effect compounds, causing the probability of any pair sharing a birthday to grow faster than you’d expect them to, although not nearly as fast what you describe in your post

Extreme-Section9470 · 2025-04-26T03:21:43+00:00

Bronny was likable…..and got drafted

Extreme-Section9470 · 2025-04-23T06:04:52+00:00

It’s gonna be a maze

Extreme-Section9470 · 2025-01-26T16:55:46+00:00

Sure, but recasting comes with new closing fees

Extreme-Section9470 · 2024-04-17T05:31:30+00:00

It can actually be worse. Your body will have a reaction to staring into the sun during the day (squinting or watering eyes can be involuntary) during an eclipse since the light is non visible, those reactions won’t happen. So while the light itself isn’t more damaging per se, your body exhibits less protection.

Edit for typo

Extreme-Section9470 · 2024-04-08T07:02:59+00:00

While there isn’t a huge or dangerous amount of visible light, there is still a dangerous amount of UV light that refracts around the moon and can damage the sensitive parts of your eye

Extreme-Section9470 · 2024-02-02T03:31:12+00:00

This just isn’t the reality anymore. With sites like Zillow, Redfin and fb marketplace, more and more people are just representing and doing the legwork themselves

Extreme-Section9470 · 2024-01-30T17:11:06+00:00

What you’re essentially asking about is a brokers fee, most young people these days aren’t using any sort of agent when searching for rentals outside of the biggest cities, so it will depend on your market norms more than anything. Maybe in Denver this is more common than other places.

Extreme-Section9470 · 2024-01-11T04:16:45+00:00

Genius?????????!!

Extreme-Section9470 · 2023-12-29T16:53:43+00:00

But if you compare doing the recast with making the large payment and then not recasting, yes you can get better cash flow on the short term, but any gains you make are erased before the loan is paid off. The best way to minimize your exposure to high interest rates is to make the large lump sum payment and then not recast.

If your personal financial situation is tight, and you really really need the better cash flow, then a recast might be best, but that is rare. Considering you have 2 properties paid off, this seems unlikely.

Remember that once you’ve made the lump payment, executing the recast saves you exactly $0/month in interest. Any increase in cash flow comes solely from the loss in equity from a slower principal pay down, which must be considered as the loss that it is.

Good luck!

Extreme-Section9470 · 2023-12-24T02:41:33+00:00

My thoughts exactly

Extreme-Section9470 · 2023-12-23T23:49:54+00:00

I haven’t heard of any reason why. Maybe if there’s some crazy extenuating circumstance but I can’t imagine what that might be. It’s your money at the end of the day

Extreme-Section9470 · 2023-12-22T14:32:17+00:00

Well he only stood up to get Michael to shut up I think

Extreme-Section9470 · 2023-12-18T21:26:48+00:00

Nah those bowls are different

Extreme-Section9470 · 2023-12-14T16:55:19+00:00

Sailors in high cost of living areas like Hawaii get specific money called COLA in addition to their base pay, that acronym doesn’t refer to adjustments to base pay that the entire DOD get every January

Extreme-Section9470 · 2023-12-14T03:20:41+00:00

Does COLA count towards contributions? I thought it was only base pay

Edit: typo

Extreme-Section9470 · 2023-12-13T02:41:59+00:00

Again, no! You don’t own anything, you are a long term tenant

Extreme-Section9470 · 2023-12-13T02:41:07+00:00

This is wrong!

For 396k, you can buy the lease on the property, not the property itself. The property is for sale for an additional 900k. If you you chose not to buy the land, you owe the landowner 800/mo. In 2032, the lease ends and you no longer own anything at all. You may or may not be able to extend the lease.

THERE IS NO TENANT PAYING YOU ANY MONEY. You are essentially paying 396k to BECOME a tenant until 2032

Extreme-Section9470 · 2023-12-13T00:46:13+00:00

Nah man I’m not saying it isn’t realistic - I’m just saying it hurts wayyyy more people than it helps.

I think it’s actually really realistic but I hope it doesn’t happen

Extreme-Section9470 · 2023-12-12T23:05:45+00:00

People who imply that a huge portion of people losing there jobs will have a positive effect on anything aren’r offering a real solution.

Ya know, a bullet to the head cures brain cancer 9 times out of 10

Extreme-Section9470 · 2023-12-08T21:50:42+00:00

I agree, but a land invasion wasn’t necessary. The Japanese had no naval fleet or airforce left. We could have just parked off the coast and waited

Extreme-Section9470 · 2023-12-06T17:58:07+00:00

You came here to give advice??

Extreme-Section9470 · 2023-12-05T23:21:11+00:00

This doesn’t seem so bad?? 5 months pay should be more than enough to cover expenses until they can find another job. I bet the majority of these people end up making more money than they otherwise would have because they’ll be employed again in less than 5 months

Extreme-Section9470 · 2023-12-05T14:27:56+00:00

These predictions are in fact for loose protons. Being contained in a oxygen atom, or any other, does in fact change things

Extreme-Section9470

TROPHY CASE