|
Why the gently caress would you do this
|
#
?
Jan 21, 2023 19:33
|
|
|
|
| # ? May 29, 2024 16:08 |
|
|
My man fittin' to land on some poon
|
|
#
?
Jan 21, 2023 20:05
|
|
|
I would not have done that exact thing but I freely admit explaining the concept of "soft power" to my International Relations class in 2012 with Gangnam Style. Edit: Oops missed this page
|
|
#
?
Jan 21, 2023 20:09
|
|
|
The Conquest posted:Why the gently caress would you do this We need paperclips
|
|
#
?
Jan 21, 2023 20:16
|
|
|
Railing Kill posted:This is what I come to the cursed images thread for. To bear witness for the sake of future generations. Wait future generations are going to be the spawn of pregnant clippies? I mean I know were in a dark timeline, but I didn't realize that dark. 
|
|
#
?
Jan 21, 2023 20:19
|
|
|
More of this. Infinitely more. Would be ok if every school assignment for the next year had this.
|
|
#
?
Jan 21, 2023 20:23
|
|
|
CRUSTY MINGE posted:Hands on your hips. Power pose. No one is gonna piss next to you if you're standing like Superman on the edge of a skyscraper. That's how my grandfather pissed at the urinal. I remember seeing this as a kid and being very impressed.
|
|
#
?
Jan 21, 2023 20:28
|
|
|
|
|
#
?
Jan 21, 2023 21:47
|
|
|
A good but not great source of piss
|
|
#
?
Jan 21, 2023 21:49
|
|
|
Your Gay Uncle posted:My man fittin' to land on some poon oh my god
|
|
#
?
Jan 21, 2023 21:50
|
|
|
LifeSunDeath posted:A good but not great source of piss You gotta get it fresh squeezed for it to be great.
|
|
#
?
Jan 21, 2023 22:12
|
|
|
i'm thrashing around irl like a salted slug
|
|
#
?
Jan 21, 2023 23:13
|
|
|
Dumb question but is there a reason your mortgage payment would go up that doesn't involve you borrowing against equity or missing payments?
|
|
#
?
Jan 21, 2023 23:19
|
|
|
Edmund Sparkler posted:Dumb question but is there a reason your mortgage payment would go up that doesn't involve you borrowing against equity or missing payments? Variable rate mortgages
|
|
#
?
Jan 21, 2023 23:21
|
|
|
Edmund Sparkler posted:Dumb question but is there a reason your mortgage payment would go up that doesn't involve you borrowing against equity or missing payments? It's not uncommon for your homeowners insurance payments to be wrapped into your monthly mortgage payment, because the bank absolutely wants to make sure you have homeowners insurance. Some places, like Florida, have had their homeowners insurance rates skyrocket the last 12 months, which makes that monthly mortgage payment much higher.
|
|
#
?
Jan 21, 2023 23:28
|
|
|
Waltzing Along posted:That's how my grandfather pissed at the urinal. I remember seeing this as a kid and being very impressed. I tried that once but by the time it was all uncoiled I couldn't reach the urinal and the floor was cold 
|
|
#
?
Jan 21, 2023 23:34
|
|
|
Variable mortgage rates are what caused the financial crisis 2008. Like why would you in TYOOL 2023 buy a home without a fixed rate mortgage is beyond me.
|
|
#
?
Jan 21, 2023 23:36
|
|
|
Admiral Joeslop posted:I tried that once but by the time it was all uncoiled I couldn't reach the urinal and the floor was cold That's when you're supposed to look around and say, "a little help?" Please and thank you are just for courtesy. Chainclaw posted:It's not uncommon for your homeowners insurance payments to be wrapped into your monthly mortgage payment, because the bank absolutely wants to make sure you have homeowners insurance. Some places, like Florida, have had their homeowners insurance rates skyrocket the last 12 months, which makes that monthly mortgage payment much higher. Part of why I'm going to build in the middle of nowhere in an alpine desert.
|
|
#
?
Jan 21, 2023 23:37
|
|
|
Azhais posted:Variable rate mortgages Chainclaw posted:It's not uncommon for your homeowners insurance payments to be wrapped into your monthly mortgage payment, because the bank absolutely wants to make sure you have homeowners insurance. Some places, like Florida, have had their homeowners insurance rates skyrocket the last 12 months, which makes that monthly mortgage payment much higher. Ok, thank you. I've only dealt with vehicle financing so I didn't know about these things.
|
|
#
?
Jan 21, 2023 23:37
|
|
|
Also, taxes have been going up and are sometimes paid by escrow on a mortgage, which would also cause the mortgage to go up.
|
|
#
?
Jan 21, 2023 23:39
|
|
|
Hollismason posted:Variable mortgage rates are what caused the financial crisis 2008. Like why would you in TYOOL 2023 buy a home without a fixed rate mortgage is beyond me. Yeah, I always thought that you try to lock in a good rate and keep it there until it makes sense to refinance. Of course that would be too boring and sane.
|
|
#
?
Jan 21, 2023 23:41
|
|
|
Hollismason posted:Variable mortgage rates are what caused the financial crisis 2008. Like why would you in TYOOL 2023 buy a home without a fixed rate mortgage is beyond me. It's my understanding that fixed rate mortgages are an American thing, and most of the world is VRM. In the US VRM are used a) to inflict more poo poo on the poor or b) by people using real estate as an investment and are doing the equivalent of shorting a stock gambling that rates are going to go down. There's also adjustable rate mortgages that are fixed for some term then go variable that are probably mostly used by flippers that don't expect to own the mortgage for more than a couple years
|
|
#
?
Jan 21, 2023 23:43
|
|
|
In Aus you can fix your interest rate for 3-5 years, then need to fix a new date when it runs out. Source: this guy who got smacked with an extra $500 a month mortgage repayment out of fuckin nowhere for Christmas.
|
|
#
?
Jan 21, 2023 23:50
|
|
|
Yeah same here in euroland. You're essentially gambling with the bank if the rates will be lower or higher when the time's up.
|
|
#
?
Jan 22, 2023 00:40
|
|
|
Hollismason posted:Variable mortgage rates are what caused the financial crisis 2008. Like why would you in TYOOL 2023 buy a home without a fixed rate mortgage is beyond me. If it's not a primary residence, there are pros and cons to fixed vs variable rate debt. Most REITs have both on the books, for example. And even for primary residences, it was more than just ARMs that caused the 2000s financial crisis. It's that the ARMs were written at near 100% LTV, often with negative amortization up front, to lenders with no ability to pay and these were treated as quality debt by banks. ARMs are not inherently a bad thing and are the standard instead of fixed rate mortgages in many developed countries. e: Is a barely readable chart a cursed image? 
AreWeDrunkYet fucked around with this message at 00:49 on Jan 22, 2023 |
|
#
?
Jan 22, 2023 00:44
|
|
|
Edmund Sparkler posted:Dumb question but is there a reason your mortgage payment would go up that doesn't involve you borrowing against equity or missing payments? If your property taxes are paid for by an escrow account tied to your mortgage, then your monthly payments go up when your property taxes go up. It does, however, help to lessen the burden of a 50% increase in property taxes like what I just had. My mortgage went up by $63 over last year, and has increased every year I've owned my house.
|
|
#
?
Jan 22, 2023 01:40
|
|
|
|
|
#
?
Jan 22, 2023 03:28
|
|
|
LawfulWaffle posted:When I have pee shyness I imagine a skeleton who loves piss and piss is raining down and landing on its skull and going through its ribs and he’s just loving it. “Give me the piss!” says the skeleton. He’s hip deep in piss just ackackacking his boney jaw in delight. I want whatever you’re consuming. …aaaannnd no, thanks. PainterofCrap fucked around with this message at 03:49 on Jan 22, 2023 |
|
#
?
Jan 22, 2023 03:45
|
|
|
LifeSunDeath posted:A good but not great source of piss
|
|
#
?
Jan 22, 2023 04:31
|
|
|
|
|
#
?
Jan 22, 2023 05:06
|
|
|
|
|
#
?
Jan 22, 2023 05:12
|
|
|
in piss we trust
|
|
#
?
Jan 22, 2023 05:21
|
|
|
|
|
#
?
Jan 22, 2023 05:26
|
|
|
|
|
#
?
Jan 22, 2023 06:51
|
|
|
Edmund Sparkler posted:Dumb question but is there a reason your mortgage payment would go up that doesn't involve you borrowing against equity or missing payments? Might also not be in the US too. Other countries mortgage terms suuuuck.
|
|
#
?
Jan 22, 2023 08:06
|
|
|
Yep, I fixed my mortgage two years ago at 1.6% p.a, then had to redo it this year at 6%. A lot of news articles about people who bought at low rates and have gotten whacked with $900+ a fortnight payment increases.
|
|
#
?
Jan 22, 2023 08:57
|
|
|
SniperWoreConverse posted:i'm thrashing around irl like a salted slug the lady complaining about her mortgage going up on TikTok probably isn’t the member of the evil 1% landlord class you think she is
|
|
#
?
Jan 22, 2023 10:35
|
|
|
But she wants to be that 1%
|
|
#
?
Jan 22, 2023 11:10
|
|
|
Are they going to piss from there and hit the urinal in the middle? Efficient. I like it.
|
|
#
?
Jan 22, 2023 13:07
|
|
|
|
| # ? May 29, 2024 16:08 |
|
|
Her tenant has to pay $100 more on their rent and she's whining that she has to pay $11 more dollars on the mortgage. 
|
|
#
?
Jan 22, 2023 13:21
|
|