I knew it, I’m surrounded by Assholes!

I once lived in a town of around 1,000 people. It had everything I needed in walking distance - a grocery store, doctors office, pharmacy, post office, restaurant, bar, and mechanic. A beautiful bike trail and river ran through the town. Fiber Optic internet was available, and there was a medium-sized town 15 minutes away with good jobs.

I just checked and the average home price is still around 100k. A 2br apartment rents for $750/mo. These places still exist, but they’re called hidden gems for a reason.

One word: Capes

Yes, in fact I see one now.

I disagree - it feels like Lemmy is seeing the same kind of shills that 4chan saw in the last several elections. These bad actors are trying to sway dems to vote third party or not vote at all “in protest” across many small and large online spaces.

I’d fuck that up

I think “nsfw” in itself is a good description - “not safe for work”. I would be embarrassed or reprimanded at work if I scrolled past pictures of gore, extreme violence, nudity, or sexually suggestive anime girls, so those should be marked nsfw.

Step 1. Get Friends.

That seems to be the hardest part. :(

Cooking. Let’s all just cook one big meal each week and split it among 6 other people, and receive 6 meals in return.

There’s plenty of diversity if you join boards focused on them, like LGBTQ communities. I think the defaults just lean excessively into the demographic you described.

Everything about the book is just dull and frustrating.

Catcher in the Rye. I try it again every couple of years just to see if I can relate to it, and nope - it’s still just as stupid as the first time I read it.

…I’m just now realizing that I’ve missed an incredible opportunity.

My cat is a very special boy and there’s no other cat like him. Does that count?

Vibrator.

Yo wtf

https://xkcd.com/1667/

I worked at banks for most of my career and was engaged to the lead mortgage lender, and together we hosted quarterly free events for our community to show people how to get into homeownership. I suspect you’re lying in bad faith to try to scare people out of homeownership and push the agenda that Millennials and Gen Z can’t own a home. I encourage anyone reading this to do their own research and contact their bank’s mortgage team to determine if its feasible for them.

Over half of millennials are already homeowners, and I’d love to see that number go up.

PMI would be $1200 in your example, not $2500.

In what reality is PMI close to a rent payment? It doesn’t seem like you know what you’re talking about.

I think you’re dramatically overestimating how much it will add to a mortgage to use this strategy. For example, let’s look at a $250,000 home - the average for my area.

If you put 20% down, your payment will be $1242/mo plus Property Taxes. Certainly cheaper than rent, but most folks don’t have $50,000 sitting around.

So let’s say you put $0 down and roll $9000 closing costs into your mortgage. Your monthly payment will be $1,843 of which only $214 is PMI. Still cheaper than the average rent in my area.

Even if you’re buying a $1mil home with this strategy, the PMI would only be $850/mo. Where are you getting that PMI would be close to a mortgage payment?? You seem to be regurgitating bad faith advice that keeps people scared of homeownership when the reality is that it’s an excellent move for many folks.