Nope. I don’t talk about myself like that.

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Joined 1 year ago
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Cake day: June 8th, 2023

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  • Good thing what I actually said was

    Paying anything you can up front saves you several times over in the long run.

    My point was that the advice was terrible. Not that there are other circumstances that could make it useful. Overall, as a general rule you shouldn’t want to just hold onto debt for no reason if you have means to pay it down. It’s also why I specifically showed 10% as well rather than just the typical 20% downpayment, it furthers my point that

    you’re so much better off if you put as much into the down payment as you can.

    “As much […] as you can” And not just some 20% or whatever magic number.



  • This is terrible advice. Paying anything you can up front saves you several times over in the long run.

    Let’s talk 500k house, 6%, 30 years, no pmi, no taxes, no extras…
    Paying 100k (20%) up front you’ll pay: $863,352.76
    Paying 50k (10%) up front you’ll pay: $971,271.85
    Paying 0 up front you’ll pay: $1,079,190.95

    Paying 20% down (100k) will save you over 200k.

    If you intend to live in the house indefinitely, you’re so much better off if you put as much into the down payment as you can.

    Edit: List formatting






  • The FBI estimates that between 2,000 and 2,500 people entered the Capitol Building during the attack, some of whom participated in vandalism and looting, including in the offices of then-House speaker Nancy Pelosi and other Congress members.

    So you think there’s only 2000 police officers in the USA? That 100% of them are at polling places harassing people and have a coverage of all polling places in America?

    The fuck looney world are you all going on about? Your own source says

    Nearly 30 sworn police officers from a dozen departments

    Okay so at worst that’s 30 polling places. And somehow this is something to bring up like it’s going to be a statistical probability. This constant ACAB bullshit has infected you all and it’s disappointing.

    30 out of 21000 polling places is not “quite possibly” get out of here.

    Edit: There’s an estimated 900k police officers in the country. 30 did something you think is shitty, therefore the other 899.999k are also bad and will be there to make you regret voting and harass you! What a silly stupid argument.