brygphilomena

That's not a silly thing though. Pretty much all jobs are temporary.

I'm at an MSP that services quite a few school districts. We lose techs to them somewhat regularly.

Utopias are inherently dystopian in they only work when everyone wants the same things and everyone is bound by strict rules. There is no such thing as a utopia.

Break up monopolies.

Healthcare.

Enforce fairness and ethical journalism.

Regulate social media. (Influencers, advertisements, disinformation.)

Black and white as VR

Bunker gear isn't using asbestos anymore. It would be nomex and kevlar now.

Not super scary unless your from the area. But there is a prison by me where back in the 80s, a man named Kevin Cooper escaped. He made his was over to a house a couple miles away and broke inside.

He killed the two parents there, one of their children, and another child that was there for a sleep over with an axe. He tried to kill another 9 year old child there as well, but they survived.

A true life actual axe murderer.

For me, it's an expression of a particular set of my creativity. The decorations, the show element of it, engaging in various fantasy worlds and dressing up.

It's just fun, and freedom to have fun doing whatever you like!

Whichever path it takes. It will only go in a single path unless you have some incestuous relationships. And if that happens and multiple routes work, it doesn't matter which one you take.

So if you look at a family tree, the bloodline is the direct order from person a to person b, with everyone in the middle. It doesn't include everyone else that isn't in that direct path.

It doesn't include brothers, sisters, aunts, uncles, marriage or anything like that.

Bloodline is a subset of the data in a family tree.

People are crazy. Feeling threatened by telling someone "hey, you didn't vote last time. Please make your voice heard by voting" is wearing your persecution complex on your sleeve.

Fragile fucks.

380k with a 30 year mortgage and something like $25k down. Amortization on 5.89% will show at the end of it, you'll pay over 774k for it. Mortgage payment would be $2150. That's after closing costs. Property insurance and property taxes about $700/mo. And I live in a high property tax area.

Utilities aren't included, but I haven't seen many rentals that include utilities either. The house may be bigger and use more utilities though.

The lowest rent in my area for 3 bedrooms is 2.2k/mo and that's an outlier. Most are $2,700+/mo. If I were to pay the $2.7k for 30 years, that's just shy of $1 million. And at $2200, it's just shy of $800k in 30 years. That's break even.

This isn't even addressing the instability of rental prices. My mortgage payment is locked in, at a fixed interest rate. If I were to rent, there is no guarantee that the rent i am paying today is the rent I'll be paying in 5 years.

Renters should be getting renters insurance too, so add that to the renters side.

Yea, I will have home repairs I'll need to pay for. But I'll also have equity that I can leverage for them if I need to. I'd have to put in $200k in the course of 30 years to match what a renter in my area would be spending. And that's just repairs, if I were to spend on renovations and/or additions than it would raise the property value.

As for capital gains, that's only when I sell, but if I have to pay taxes because I made money. Well, then I made money instead of... Only spent money?

If the house doesn't appreciate and only holds it's value, it's an asset that protects against inflation.

Have an asset that likely with appreciate, paid off after 30 years. Or continue to pay for a place to live for 60 years?

Financially, if you can afford it, housing is a good way to solidify your worth and lay a foundation for your future and retirement. If you pay off your mortgage, by the time you retire hopefully your set income won't have to pay for housing anymore. Only property tax and maintenance.