640 karma · joined March 31, 2019
I have a 15yr fixed mortgage at 2.75% which I started with 20% down to avoid PMI. All-in (HOA, utilities, principle, interest, insurance, maintenance) I am paying ~$1200. And that's to live by myself, in a two-story, 1400sq.ft. townhome. We have a lovely community pool too.
There is no way I could pay that little renting a place with equivalent offerings. If I picked up a roommate or two? Sure, but that's not something I'm willing to compromise on. Keep in mind I have a more aggressive 15yr mortgage. The difference would be even wider in monthly cost for a 30yr.
Just like capital gains on equities. I don't pay until I realize. I'm happy to pay some property tax in the meantime to keep gov't services running in the area.
But any other method is terrifying to me and makes me start thinking "What super rural state can I move to in retirement to buy a nice parcel and be seriously left alone these days?"
To those people, odds are you don't get the flu because enough people around you did get vaccinated. And also, you're just getting lucky. You may have a better immune system than average, but you are not immune.
In 2018, the CDC says >490k were hospitalized and >34k died from the flu. https://www.cdc.gov/flu/about/burden/2018-2019.html
It's a serious matter, yet people just brushed it off and came in to work/school sick as a dog. Heck, I remember having to do this with colds in elementary school... It was either: I show up horribly sick, or my grades must suffer. (No, there was no way out of it. Simply punish those trying to protect their community from themselves. Zero tolerance for real life.)
It feels amazing to be proven right. When you continually refine a class of technologies like these, 'the market' latches on and fervently optimizes. We are all part of this movement. It will only accelerate from here; my first car was a hybrid, and my next will be battery electric. There are many like me in my generation.
Of course, governments across the nation have taken many great steps to incentivize as well. But why does it feel like everyone has abandoned these fundamental concepts? I suppose it is preferred to narrate market changes with political tones these days.
I am happy they are popular, because I own stock in them. Other than that, they clearly have near zero patriotic morals.
After a few of these negative interactions, I decided to generally avoid visiting ever again. It's not that I have a problem dealing with it: It's very easy to say no, or to run if needed. It's that I simply shouldn't have to deal with this BS in the first place! Please, just leave me alone! I'm leaving you alone.
In places like this, I lock the doors upon entering the car. Depending on location, I also keep the engine running, in case the car must be used in an evasive or defensive manner. (People have tried my door handles while stopped at lights, so the car is set to lock when driving too.) Be aware of your surroundings, and casually pay attention to how people are watching you.
I am very glad to live in a different nearby city, in a more sprawling area, that has much less of this activity. Due to the sprawl, it is not nearly as economically motivating for trolls to congregate.
This whole thing is a massive yikes from me. She even called the child victim a 'lying little slut': https://twitter.com/fixedforlicks/status/1035647401783173121...
(https://www.npr.org/sections/parallels/2015/03/21/394273902/...)
Thus, it's time to give up. Israel has won.