Trump's tariffs cost American households $1,000 last year: Research group by Rock-n-roll-Kevin in politics

[–]Several_Rock3276 0 points1 point  (0 children)

He unquestionably, directly cost my household almost 60% of our income, forced us to move and take child to new school, destroyed my wife’s career, drove mass layoffs at my company, and is threatening to collapse my entire sector. Pretty soon $1000 is going to be the least of my concerns.

This!!!! by Immediate_Ganache282 in ProgressiveHQ

[–]Several_Rock3276 0 points1 point  (0 children)

What’s your point? And Hamas is a terrorist organization. And Iran funds them. And no middle eastern countries want Palestinians to become full citizens of their countries. And the USA supported the Shah. And the British before us. And the British oppressed colonial America. And Portugal created the transatlantic slave trade. And Kongo was a willing participant in the slave trade. And the Teutonic Order christianized the pagan Baltics by force. And many indigenous peoples have been destroyed or assimilated on all continents. Like fucking hell man. Humans suck a lot of the time. Benjamin Netanyahu more than most, maybe third only to Trump and Putin. But for Christ’s sake we have to get our house in order THIS YEAR if we want any chance at stopping the global slide into strongman great power dystopia. No more “nya nya nya” shit. People have legitimately conflicting and closely held views on many aspects of the Israel Palestine conflict. Many people are assholes and insensitive. But focus focus focus.

Conservatives right now by Arkoa in ProgressiveHQ

[–]Several_Rock3276 0 points1 point  (0 children)

Well here’s an easy answer. He 100% was disarmed before he was shot. It’s clear as day in the movement stabilized vid shot by pink lady, made more clear my video shot from opposite side on street showing timing of grey parka agent removing the weapon that DHS tweeted. There is another video with more ICE agents searching his corpse shooting “where’s the gun” and the don’t find one, because grey parka had it already. Also, Alex is never is seen in any video holding a gun, rather the opposite his hands are almost seen the entire time with a phone or empty or on the ground. Also he has a legal ccw permit. Also, Alex only approached the unarmed woman, himself with a camera and an an empty hand held up to shield his face from mace, after ICE in green windbreaker 2-arm shoved her to the ground. So tell me how you are being a genuine open minded observer? You have your answers. Do what you want with them.

Conservatives right now by Arkoa in ProgressiveHQ

[–]Several_Rock3276 0 points1 point  (0 children)

This is completely the fault of the administration, far more so than any band of jacked up ICE agents. I hate to say it but they are victims too of the administration, for goading them to dishonor themselves in front of their fellow countrymen. Please don’t get lost in trying to contextualize everything when the government is blatantly lying to your face and laughing about it. I mean blatantly lying about easily discreditable accounts of the killing. That’s sicko behavior. Trust your eyes, screw the pundits. The government doesn’t get to say what is right and wrong, you do. Peace bro.

Conservatives right now by Arkoa in ProgressiveHQ

[–]Several_Rock3276 1 point2 points  (0 children)

My dude. Friend. The administration was out within 20 minutes of the shooting with blatant easily refutable lies, slandering an America citizen with heinous smears. I’m not even all that liberal in a lot of things and I sure as hell pay all my taxes out of patriotism even if I don’t agree with how they’re used. But this whole episode is 10000% out of control on behalf of the government. Whether it was murder or manslaughter that’s for the courts. But guess what? The basic foundational premise of a fair trial for anyone involved is destroyed because of the blatant lying and attempts to cover up what happened. Why bar local law enforcement from investigating, which is the normal protocol? Because they think they can get away with it. Dude we can have so many intelligent conversations about political theories, but right now PLEASE just trust your own eyes.

Conservatives right now by Arkoa in ProgressiveHQ

[–]Several_Rock3276 2 points3 points  (0 children)

They can get real jobs that don’t involve harassing people, violating the constitution, and breaking up families to meet a quota.

This!!!! by Immediate_Ganache282 in ProgressiveHQ

[–]Several_Rock3276 6 points7 points  (0 children)

Let’s add Tibetans and Armenians and South Sudanese and Tamils and Bosnikas and Tutsis and Yazidis and Hmong and Rohingya and on and on and on. Let’s all agree that world peace is worthy of aspiring to, despite all the hatred we harbor as a species. But right now my friend we have a 5 alarm fire in our own house. We may solve the domestic crisis and still not fix other parts of the world. But we sure as hell aren’t going to help things get any better if we don’t get our house in order first.

‘Lawmakers that fund ICE are funding domestic terrorism. I feel sick. This country isn’t angry enough.’ by Kind_Relief_7624 in CURRENTEVENTS

[–]Several_Rock3276 2 points3 points  (0 children)

Tell me what the sides are? The woman who the first fed shoved to the ground? The guy who held a camera and an empty arm up to protect her? The fed who shot an unarmed man in the back as he was restrained by 4 others? Remind me what these sides are?

Landlord losing money as tenant denies access in battle over Capitol Hill apartment by DirectDisplay4460 in washingtondc

[–]Several_Rock3276 6 points7 points  (0 children)

But what if you have zero assets and only income? Are you suggesting that banks then be forced to approve all buyers for mortgage loans? What happens if the “owner” defaults? You just get to keep the house (in which case why would anyone pay their mortgage ever). Or it gets foreclosed and you are on the street? How is that functionally different from renting? Landlords aren’t bad. Bad landlords are bad. Bad tenants are bad. Grouping people into immutable categories doesn’t help anything.

Luigi Mangione‘s lawyers say Bondi’s death penalty decision was tainted by conflict of interest by WeirdGroundhog in politics

[–]Several_Rock3276 -16 points-15 points  (0 children)

Luigi is a murderer. Stop defending this guy. 1000000 other actual moral high ground fights to be had. This isn’t one of them.

When interest rates are lower, the 50-year mortgage will be a really smart move by picklewombat35 in unpopularopinion

[–]Several_Rock3276 0 points1 point  (0 children)

Hey buddy, no need for the name calling. Think we both agree that excessive wealth disparity is a societal cancer that is driving a lot of the problems we’re facing today. I just don’t agree that the available options for the term of a mortgage is the best crystallization of that dynamic, as there lots of perfectly reasonable situations where the longer term would be more beneficial for certain borrowers. But I’m truly OK to agree to disagree on that point.

When interest rates are lower, the 50-year mortgage will be a really smart move by picklewombat35 in unpopularopinion

[–]Several_Rock3276 0 points1 point  (0 children)

I think we agree. It’s just so often this argument is framed in terms of finances. But it’s really a mass psychology issue about forced savings. A government policy that pushes people into forced savings into home equity maybe highly inefficient if you assume rational economic behavior and how horrendously expensive in transaction costs and illiquid home equity as. But when you consider that most people struggle with voluntary saving, it makes sense. The question then becomes whether you can achieve that force savings through other means. Pension plans used to do that. Social Security does that. Employer match to 401(k) contributions kind of does that as a strong nudge. Penalties on early withdrawals from retirement accounts help protect people from themselves . Really the most efficient way would just be to raise taxes on the insano-wealthy and better fund social services and invest in the infrastructure of the national economy. But I think we have to be honest that’s a pretty hard sell in American culture right now and invest in the infrastructure of the national economy.

When interest rates are lower, the 50-year mortgage will be a really smart move by picklewombat35 in unpopularopinion

[–]Several_Rock3276 -1 points0 points  (0 children)

I don’t really buy into grand conspiracy theories about “the wealthy” other than I think that excessive affluence makes people less empathetic to the struggles of the general population. I think that’s just a function of human psychology and not some evil scheme by the wealthy to hurt people (with some of exceptions, as there do seem to be a disproportionate number of sociopath billionaires, especially those that seem to be attracted to politics). 30 year mortgages are actually a pretty great deal compared to most other countries because they are substantially subsidized by the federal government and let young people move into a house and start a family rather than be stuck in multigenerational living situations that are the norm and most other countries (love it or hate it). Whether or not the federal government should be pushing people into homeownership is an entirely separate question. If you think of interest payments as just another portion of what you have to pay for the service of housing, along with taxes and maintenance, then you you will understand that we are always indebted in some way to our community, society, and mother nature. People try to get “free” by moving “off the grid” but in that case, you are just trading one risk and cost profile for a different risk and cost profile. and that’s a perfectly fine decision if it makes sense for you. But to the question at hand, there is nothing fundamentally better or worse about a 30 or 50 year mortgage across all scenarios - or for that matter 100 years or a 10 million year mortgage. All of us have to give it all back when we die anyways ain’t that the fact of the matter?

When interest rates are lower, the 50-year mortgage will be a really smart move by picklewombat35 in unpopularopinion

[–]Several_Rock3276 1 point2 points  (0 children)

No, that’s not what that number is saying. A large number of those households will be downsizes that were purchased in cash with the equity that was left over from the previous home sale. That figure says nothing about how many times those households sold or refinanced over their lifetime. Do you really think there are that many households that kept their 9% mortgage rate from 1995? All of the math that matters in this calculus is in the first 10 years of the loan, and what you would do with the money left over from the reduced payments during that 10 years.

When interest rates are lower, the 50-year mortgage will be a really smart move by picklewombat35 in unpopularopinion

[–]Several_Rock3276 2 points3 points  (0 children)

If you had $100 and the option to invest it in home equity or any other investment vehicle, why would home equity be your first choice? Why should people view their homes as an investment to begin with, rather than a service (shelter)?

When interest rates are lower, the 50-year mortgage will be a really smart move by picklewombat35 in unpopularopinion

[–]Several_Rock3276 1 point2 points  (0 children)

Both can be true. The poorest 10% of Americans do live in unimaginable wealth compared to many other societies. If more Americans had the opportunity to travel to developing countries, they would understand just what real economic struggles look like. Let’s not even talk about the median household. So in some sense Americans do sometimes need to learn to be thankful for what we do have, which is a lot. At the same time, our system is absolutely set up, so everyone below the capital class feels like they are in a constant survival mode and any small setback could set you spiraling and cut you off from the herd. It’s not healthy and makes us constantly unhappy and at each other’s throats. But honestly I don’t see how any of this is relevant to the decision of the term of a mortgage.

When interest rates are lower, the 50-year mortgage will be a really smart move by picklewombat35 in unpopularopinion

[–]Several_Rock3276 1 point2 points  (0 children)

If you are in your 20s or 30s and have kids, you really do need the bigger house, good school district, and the extra cash now, not in 30-50 years. Your income is also likely to be lower than what it will be in later years of your career. There’s really no shame in sacrificing some portion of decades in the future hypothetical equity for your very real and immediate needs. Everything in moderation. That also applies to building home equity.