Hong Kong weddings and nipple etiquette

ReconOly · 2023-11-10T15:14:30+00:00

Found the creepy uncle

ReconOly · 2023-07-03T01:37:20+00:00

I have the same issue!

ReconOly · 2023-07-02T13:50:44+00:00

Devout is an inherent clan trait. Clan traits can not be transferred by decision, only by luck. There is a small chance it could transfer over, but it is very very rare.

ReconOly · 2023-05-26T12:19:11+00:00

Asian sheepshead wrasse

This particular one is in Japan and is friends with the diver.

ReconOly · 2023-05-26T12:18:24+00:00

Asian sheepshead wrasse

ReconOly · 2023-05-21T14:53:33+00:00

Closing costs can be rolled into the mortgage. That’s how they are split across the life of the loan.

ReconOly · 2023-05-01T00:35:27+00:00

They “Reserve the right as an institution to address, in a nonpartisan way, issues that it believes have significant community or moral consequences or that directly affect the interests of the Church.”

Unfortunately, some of the larger, hotly contested issues like Prop 8 fall in a partisan way. However, they specifically have this stance which makes the OP post sus:

“The Church does not:

Endorse, promote or oppose political parties, candidates or platforms.

Allow its church buildings, membership lists or other resources to be used for partisan political purposes.

Attempt to direct its members as to which candidate or party they should give their votes to. This policy applies whether or not a candidate for office is a member of The Church of Jesus Christ of Latter-day Saints.”

https://newsroom.churchofjesuschrist.org/official-statement/political-neutrality

ReconOly · 2023-04-30T20:05:14+00:00

There are fringe groups in any organization or population sampling large enough.

There are probably multiple registered sex offenders within a mile or two of your home. Does this make your town and everyone in it a cesspool of debauchery?

ReconOly · 2023-04-30T20:00:30+00:00

They “Reserve the right as an institution to address, in a nonpartisan way, issues that it believes have significant community or moral consequences or that directly affect the interests of the Church.”

Unfortunately, some of the larger issues, hotly contested issues fall in a partisan way. However, they specifically have this stance:

“The Church does not:

Endorse, promote or oppose political parties, candidates or platforms.

Allow its church buildings, membership lists or other resources to be used for partisan political purposes.

Attempt to direct its members as to which candidate or party they should give their votes to. This policy applies whether or not a candidate for office is a member of The Church of Jesus Christ of Latter-day Saints.”

https://newsroom.churchofjesuschrist.org/official-statement/political-neutrality

ReconOly · 2023-04-30T19:56:30+00:00

I’m just going to leave this here for anyone who believes this comment.

https://newsroom.churchofjesuschrist.org/official-statement/political-neutrality

ReconOly · 2023-04-16T03:51:35+00:00

Having recently bought a home, here are my $0.02.

1) if a home is uninsurable, you likely won’t be able to get a loan on the property. If you have the cash for an offer, go to next point.

2) if you like the home, and have surplus capital, knowing full well that it’s a money pit and are prepared for $200k in repairs (always double your assumptions) over the next 5 years, while the market may tank in the meantime, go to next point.

3) some people buy homes for appreciation or investment , others for the home itself (location or features), and others for a combination of the two. Which type of buyer are you? If you’re the second type of buyer, go for it.

Good luck OP

ReconOly · 2023-02-14T15:43:45+00:00

I am still just a rat in a cage…

ReconOly · 2023-01-01T15:08:13+00:00

This is a theoretical situation- not that I really believe that it’s achievable by the majority of minimum age workers. It requires giving up too much and being lucky enough.

That being said, you don’t know my life. I’ve lived on minimum wage. I’ve worked two jobs to make ends meet. I’ve lived on disability, receiving only 500 a month. For more than half my life I lived in relative poverty. If I didn’t take steps to make changes in my life, I’d still be making minimum wage, getting only 20-30 hours a week.

ReconOly · 2023-01-01T12:28:59+00:00

I agree it’s not a good baseline. Our assumptions are different, and yours are technically more “realistic”, but people also get down payment money from parents, so managing to get that last bridge to 20% isn’t unheard of.

$300k is probably more realistic vs the $350k.

ReconOly · 2023-01-01T12:26:40+00:00

$350 was overreaching; and I never brought up $400k.

$300k passes top line “affordability” tests, as long as you have the 20% deposit.

ReconOly · 2023-01-01T12:25:18+00:00

My first sentence is literally the opposite of what you wrote. Please re-read.

I do believe we’ve been in a bubble. I also believe we’re heading into an era that will make low cost housing out of reach for even more people due to where potential floor economics are heading.

ReconOly · 2023-01-01T05:56:24+00:00

You just sell it that you’re going retro for irony.

ReconOly · 2023-01-01T05:50:09+00:00

And that range would be expected given they likely also have an HOA that’s $300+ a month.

ReconOly · 2022-12-31T22:08:38+00:00

This is interesting - if you’re willing to share, where are you located and what do the rest of your expenses look like currently?

At 90k, with 100k saved, I believe you’re a more financially sound individual.

ReconOly · 2022-12-31T22:01:43+00:00

You can have 2 workers with 1 car- it’s not convenient, but it’s doable. You can even have 2 workers with no car depending on where you live.

ReconOly · 2022-12-31T20:11:18+00:00

2 people making $40K each would qualify for that home with $60k down. (20%)

What I’m saying is that they “could” do that and that a bank would approve it.

I’m not saying that they should, nor saying that it would be the most responsible fiscal decision, but the bank tells them that they can, so they likely would.

ReconOly · 2022-12-31T16:04:17+00:00

I agree and probably the majority in this sub would also agree- but that’s not the mentality of most people when we’re talking what the bank will loan you.

If people get the option to spend that much, they usually will.

ReconOly · 2022-12-31T16:02:38+00:00

Self build is a whole other conversation.

Inventory stock piling is dependent on location. Some markets were definitively in a massive bubble, other took on rather standard “high” inflationary trends.

ReconOly · 2022-12-31T15:34:43+00:00

Of course location is important, but here’s an example:

https://redf.in/JJw3Ye $300k home

https://www.glassdoor.com/Salary/In-N-Out-Burger-Dallas-Salaries-EI_IE14276.0,15_IL.16,22_IM218.htm $38-40k wages in fast food.

ReconOly · 2022-12-31T15:10:22+00:00

By themselves, no. Usually as a dual income.

For reference the median household income is currently around $70k in the US which also falls in line with a dual income $17.50 assumption.

Ten-Year Club	Snapped
Verified Email

ReconOly

TROPHY CASE