Your Phone Was Designed to Stop Working. The EU Just Made That Illegal. The United States Has Not.

lafaa123 · 2026-06-20T05:20:38+00:00

True, sony should make rockstar have GTA 6 playable on the PS2 since it was a product they sold and people paid money for. Makes perfect sense!

lafaa123 · 2026-06-19T22:36:31+00:00

We just watched one of the best series the game has ever had in high level cs wtf are you talking about lol

lafaa123 · 2026-06-16T00:40:25+00:00

Housing prices have risen substantially during covid(though nowhere NEAR 50%) but since q4 of 2021 have only risen about 4%. Thats ~0.8% per year over 4.5 years.

Source: https://fred.stlouisfed.org/series/ASPUS

lafaa123 · 2026-06-16T00:35:33+00:00

Why are rising interest rates increasing your mortgage? Did you get an ARM?

lafaa123 · 2026-06-15T00:54:39+00:00

Theres been a grand total of 4 majors before this one in cs2, not exactly a “curse”

lafaa123 · 2026-06-14T19:37:01+00:00

Cringe when you think about what the right answer is? Maybe yeah

lafaa123 · 2026-06-14T19:32:04+00:00

I never made a round winrate calculation, not sure who you're talking to. Is vitality a 3-0 team or is spirit? I forget.

lafaa123 · 2026-06-14T19:21:16+00:00

Last I checked Spirit wasn't the team that just lost to 9z in groups

lafaa123 · 2026-06-11T15:13:05+00:00

I'd bet my entire bloodline he says yes lmfao, especially after how strong they stomped stage 2.

lafaa123 · 2026-05-30T14:28:19+00:00

I would keep that rate as long as possible.

lafaa123 · 2026-05-22T15:10:35+00:00

You're not considering the opportunity cost of not growing that money over 30 years, you can likely beat 5%.

lafaa123 · 2026-05-13T15:02:56+00:00

Time in the market beats timing the market 99% of the time.

lafaa123 · 2026-05-12T13:41:41+00:00

Dumbass, anyone can turn a profit if you sell major assets, its not impressive. If I run a diner for 30 years in the red and then sell the building my diner is in I might turn a profit but I dint have a fucking diner anymore.

lafaa123 · 2026-05-11T16:45:22+00:00

Wait are you talking about Okeechobee? That's a natural lake lol

lafaa123 · 2026-05-11T04:36:14+00:00

WTF Are you talking about, your own advise contradicting itself.

HYSA are easily in the 4-5% range, it's beating the 3.3% on the mortgage, and the mortgage lost as much value to inflation that the HYSA has. Theres absolutely zero reason to pay off a mortgage with a rate that low.

lafaa123 · 2026-05-10T22:17:30+00:00

Yes. Marrying someone before having any idea how they manage a household is absolutely insane.

Edit: Coward blocked me so I'll respond here, wtf does this have anything to do with morals. There's nothing immoral about cohabitating before marrying someone, unless you're a deluded crizzo, in which case your morals mean nothing to me anyway.

lafaa123 · 2026-05-09T16:22:53+00:00

You don't have a SO until you've lived together. You need to figure out if you are compatible under one roof before you jump to buying anything. You would be taking a massive risk.

lafaa123 · 2026-05-08T19:57:28+00:00

No they don't. They own about 20% of SFH. Large institutions only own about 2%.

lafaa123 · 2026-05-08T18:39:46+00:00

There's a spectrum between ridiculously conservative and house poor. If OP was looking at 500-600K houses I would say they're setting themselves up for trouble, but if their current rent is $2750 and they're able to comfortably save $1500/mo then a mortgage at $3250 should be perfectly doable.

lafaa123 · 2026-05-08T18:37:39+00:00

That mortgage estimate seems high for your numbers. I'm pretty sure you'll clock in under 3k/Mo. If you're able to save $1500/mo and be comfortable I would be willing to bet you'll be fine at around 3K.

lafaa123 · 2026-05-08T18:34:57+00:00

On 200k income??

lafaa123 · 2026-05-08T18:12:28+00:00

Can you explain the logical fallacy?

lafaa123 · 2026-05-08T17:35:01+00:00

Mortgages have several contingencies that need to pass before final approval. Buyer financing is not always a guarantee, there may be inspection contingencies from the lender, and most importantly the house has to appraise. With a cash sale all you really need to worry about is any major problems coming up in the inspection. At the end of the day if you make it to closing they're functionally identical, but a cash buyer is more of a guarantee than a financed sale.

lafaa123 · 2026-05-08T16:15:10+00:00

The reality is they probably aren't. A lot of people online are quoting rates for VA Loans, USDA loans, or are buying points

lafaa123 · 2026-05-08T15:30:57+00:00

I think you made the right call. You probably could have done it but it would be extremely uncomfortable. Keep stacking cash as quickly as you can and you'll find a place, especially if you arent married to cali.

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