Part of interest calculation is risk. That’s why higher credit score leads to lower interest, it’s less of a risk to the lender.
PMI is double dipping. They can pick one, either a flat across the board interest rate for all borrowers or PMI.
Didn’t mean to imply it was entirely about risk.
And while we’re ranting about this, can we throw PMI and whomever came up with it on the bonfire where they belong?
Your telling me that I need to pay for you to have insurance in case I default while your also charging me interest who’s very purpose is to offset risk? Why am I paying to offset your risk FUCKING TWICE AND HOW IS THIS FUCKING LEGAL.
Shit infuriates me. I want all the bankers to get William Wallace on live TV, recorded and played back once a year during a mandatory viewing window so that we never, ever, forget.
…the fuck are you on about? Don’t lump the Northeast in with the South. Massachusetts is easily the most liberal state in the country, and it’s not even really close and second place is Hawaii so still not West Coast.
If you want peer pressure from GOP funding Silicon Valley NIMBYs and weirdly conservative cannabis farmers go West. If you want a culture that prides itself on cutting you off in traffic while sipping a large extra extra around the Newport eternally stuck to your lower lip but at the same militantly defending your civil rights and social systems, come to New England. Or don’t, we barely have snow anymore. I’ll give that to the American West, better ski mountains.
(this is mostly a joke, everyone’s fucked anyway)
The last time I was visiting my parents in South Carolina we went to a local art faire thing, and one of the stands was a dude selling art of Confederates. Not just any Confederates, Black Confederates. And the dude selling this art, was a older black man in full fucking Confederate uniform. The best part was the massive bread boards he had full of tiny font Confederate apologia that read like a SovCit manifesto.
Don’t think the color of a person’s skin naturally dictates their opinions on matters that you think it should, people will surprise you every time.
I have an ultra wide with 2x 24" above. Works great, don’t think I could go back to any other arraignment.
Also seat belts reduce the per incident medical costs of traffic accidents, thus ostensibly reducing insurance costs. In all likelihood not cus why wouldn’t they charge more, but in a rational system it would.
source (that I randomly found and skimmed admittedly):
I have bounced off Nioh 2 like a dozen times, the combat system utterly overwhelms me every time I jump in. I have beaten every Souls game outside of Sekiro, but the stances and absorbtion mechanic thing around parrying (forget the exact details) just does me head in.
And every time I bounce off I am sad, cus otherwise it looks amazing. I want to get to the end game and grind out stuff, but getting off the ground is a slog.
Exactly this. I have missed semi important message this way. Signal seems to be particularly susceptible, not that I would blame them or call it a bug just a very weird niche case.
Don’t think I haven’t worked through this in my head lol
Imo if you fuck a dude in any way, you lose straight as a title forever and you become at minimum heteroflexible.
Source: Gold Star cishet who wishes to be even slightly gayer cus damn it looks fun
FetLife is literally the biggest fucking cesspool of humanity on the internet. Its basically just a gateway for predators to find victims.
Source: Was active on it for years, tried to speak out against abusers in the scene, was told “we don’t throw people away”
He said the card company sided with DD. I guess at that point you can try and go to Visa/MC/Whomever directly but I honestly don’t know if they will even work with you or just insist it’s someone further down streams problem
No, but I just downloaded it! Thanks for the rec!
I use CapitalOne, they have some things but nothing exactly right.
I have also tried every budgeting software under the sun, and Level was the only one that worked for me sadly. I’ve thought about using vibe coding (not a mobile dev) to makey own android app to do something similar but also super lazy lol.
I want an app that existed, and was killed before it’s time by Intuit. Level Money
You put in (and it learned over time) your expenses, and it gave you a single number which was how much you could spend per day. It adjusted as you went, so if you under/overspent it adjusted.
It wasn’t perfect, but was the last time I had a firm handle on my finances.
Fuck you Intuit, burn in every hell imagine able for your myriad of sins including this minor one comparatively.
When he discovered it’s an easy grift, and even easier way to get attention which is what he really wants. Dude is a sad little man child, constantly searching for adoration. These are not deeply held, or even shallowly held beliefs he’s just doing whatever gets his audience to be nice to him.
As a MA resident, I have always said that we’re highly aggressive drivers but overall pretty safe as long as you can walk the walk. Just never show fear.
Its actually really easy, don’t be a fuckwit and you won’t get fucked with.
Actually one of the best things for fleas (outside of oral medications) is Dawn, no jokes. We had a bad outbreak after the dog brought them in and they got on our 3 cats so it was a battle of attrition as wed wipe out the infestation in one animals and it get reestablished on the others but bathing and flea combing them every day (and dusting the carpets and furniture with diatomaceous earth) eventually we wore them down, broke their lines, crushed their flea men and heard the lamentations of their flea women, who were then also crushed.
I still have PTSD flashbacks like 3yrs later when I feel a tingle on my leg and think it’s a flea 😅