(Thread IKs:
skooma512)
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Tatsuta Age posted:uh huh. and where would you be now Bovine-brained eternal mooer spotted.
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Mar 20, 2023 04:54
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| # ? May 25, 2024 05:19 |
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Willa Rogers posted:lol. My on-the-brink-of-retirement mother has repeatedly asked me what to do with her money. I keep telling her to park various slices of it in X-year (X is variable) government bonds and not to think too hard about it. She has some sort of lizard-lipped bank investor telling her to keep it in stonks. It's been a battle.
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Mar 20, 2023 04:57
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I've been buying treasuries that mature in 30 days every month. It almost got close to keeping up with inflation, but now yields are cratering so who knows. It has been paying a lot more than keeping cash in account paying 0.1% or whatever. Maybe they'll actually have to raise interest rates on bank accounts now that they are being squeezed for liquidity.
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Mar 20, 2023 05:01
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Xaris posted:boulder's a super nice place and was an isolated island in a sea of suburban sprawl poo poo, but yeah it's been way overpriced relative to rest of CO since like 1999. last chance to get in was probably 2002. CO also turned gently caress-off expensive in a span of like 10 years. Colorado has insanely low property (and income) taxes, tho. I have a relative who was paying $3k/year in property taxes on a house that sold for $400k after they died.
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Mar 20, 2023 05:05
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ill be honest i know using boulder is cheating
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Mar 20, 2023 05:05
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Spoondick posted:my stepdad was into this poo poo too then a wildfire burnt all his poo poo to ashes in 2 hours... a collapsed society has no woodland firefighters so rugged independent off the grid dudes in forests are going to be in for some surprises This is why you construct a hidden underground survival bunker that won't care about wildfires. Instead you'll just suffocate in your sleep when the air recycling gives out.
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Mar 20, 2023 05:12
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theres a theme of failed bunkers in the fallout series and i recall one with a back firing air compressor
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Mar 20, 2023 05:14
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“bunkers”??!??!!!
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Mar 20, 2023 05:17
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not just the vaults, like little personal prepper bunkers
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Mar 20, 2023 05:18
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lol this is very much on point
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Mar 20, 2023 05:20
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I like the idea of a survival fort built in the image of a large Mayan pyramid. Not stealthy but still wildfire proof. Alternatively: an actual castle, with outer walls, battlements, everything.
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Mar 20, 2023 05:23
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ive always thought the whole threat from society was overblown considering how many people would starve to death after month 2 or 3
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Mar 20, 2023 05:25
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A Bakers Cousin posted:ive always thought the whole threat from society was overblown considering how many people would starve to death after month 2 or 3 If you cut all supplies to a modern city off it wouldn't last 2 to 3 weeks, tops. Maybe only days.
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Mar 20, 2023 05:26
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Basic Poster posted:
You get lower rates the quicker the term plus the refinance lowered our rate so much it gave us the same payment
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Mar 20, 2023 05:27
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if your fort makes it through a fire your livestock, agriculture and irrigation won't and if you're depending on surface water for hydration that may become an ash and mud wash for a couple years
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Mar 20, 2023 05:28
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building millions of lightning rods in concentric circles around my fort to attempt to prevent forest fires for my survival bunker
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Mar 20, 2023 05:29
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A Bakers Cousin posted:building millions of lightning rods in concentric circles around my fort to attempt to prevent forest fires for my survival bunker just make 3 stone tiles around it for a firebreak
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Mar 20, 2023 05:37
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A Bakers Cousin posted:building millions of lightning rods in concentric circles around my fort to attempt to prevent forest fires for my survival bunker You can bypass this by hunting for animals and gathering food. Become a let's say, hunter gatherer.
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Mar 20, 2023 05:37
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err posted:Anyone out their loving mind if they are buying now. uhhh yea and what happens to prices when rates drop again? you might be waiting quiiiiite a while if you're trying to buy when rates AND prices are low, lmao (this will never happen) if anything prices right now are suppressed by rates. so maybe you can get a deal on price by avoiding a bidding war (in some areas) and if you get lucky even refinance down the line if rates drop (but no-one should bet the farm on this) that's how you get a low price and a low rate. or go back in time hobbez has issued a correction as of 05:47 on Mar 20, 2023 |
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Mar 20, 2023 05:41
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DancingShade posted:If you cut all supplies to a modern city off it wouldn't last 2 to 3 weeks, tops. Maybe only days. there's an interesting paper on Angkor Wat in particular that came out recently: https://www.pnas.org/doi/epdf/10.1073/pnas.1821879116 that said, we're in very interesting times because of how absolutely dependent we are on modern mega-agriculture fueled by immense unholy amounts of fossil fuels to keep it going. there's no naturally fertile land anymore, very few places with natural consistent irrigation, there's almost no large animals and sea life to hunt anymore, and the amount of land (and labor) it takes to grow food without fossil fuels is loving massive. people hugely misunderestimate how much land is needed to grow enough food for even a family, let alone 100s of people. and, always one disaster away from starving. but likewise it's not as if our grotesque addiction to oil will shutoff overnight either. instead it'll be ratcheted downward, unwillingly, one disaster at a time. Xaris has issued a correction as of 05:48 on Mar 20, 2023 |
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Mar 20, 2023 05:45
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I'll due my civic duty for 600 bucks. Where's my 600 bucks?
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Mar 20, 2023 05:49
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A Bakers Cousin posted:ive always thought the whole threat from society was overblown considering how many people would starve to death after month 2 or 3 You'd get cannibalism in weeks.
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Mar 20, 2023 05:52
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DickParasite posted:You'd get cannibalism in weeks. Anyone who was known or even remotely suspected of hoarding or prepping would be killed by a hungry mob. To say nothing of the fun once the pipes stop carrying water and people get thirsty.
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Mar 20, 2023 05:56
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Xaris posted:but likewise it's not as if our grotesque addiction to oil will shutoff overnight either. instead it'll be ratcheted downward, unwillingly, one disaster at a time. yep and already happening
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Mar 20, 2023 06:02
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blood still on the menu for next week?
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Mar 20, 2023 06:06
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Centrist Committee posted:yep and already happening indeed. in the early 1970s, MIT did LtG modelling predicting big decline around 2040, and empirical observations, 50 years later, to 2020 are remarkably on track. 
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Mar 20, 2023 06:13
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im in danger
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Mar 20, 2023 06:16
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I turn 45 this year, there are multiple reasons I hope I won't live to see 65 including my diet, drinking, and living on the FL gulf coast I only hope I live long enough to see a lot of currently smug shitlords get what's coming for them
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Mar 20, 2023 06:21
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skaboomizzy posted:I turn 45 this year, there are multiple reasons I hope I won't live to see 65 including my diet, drinking, and living on the FL gulf coast I feel pretty confident the ride will be an interesting one.
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Mar 20, 2023 06:23
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i cant remember if this was posted or not but big shocked pikachu facequote:Early signs of a negative equity surge in the auto loans sector have begun to emerge in the first quarter of 2023. According to data from Edmunds, the average negative equity value of auto trade-ins was $5,341 in Q4 2022, up 29% from the previous year. The number of vehicle sales that involved a trade-in with negative equity also jumped by 17% over the same period. also i guess this explains carvana's insanely genius business model of paying +$10k more for a sight-unseen used car than it costed when bought new 
Xaris has issued a correction as of 07:08 on Mar 20, 2023 |
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Mar 20, 2023 06:32
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just another panic monday...
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Mar 20, 2023 06:52
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Xaris posted:i cant remember if this was posted or not but big shocked pikachu face lol im a little out of it but slowly reading this and putting together all of what it said was fun
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Mar 20, 2023 07:02
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Xaris posted:i cant remember if this was posted or not but big shocked pikachu face (squinting) loving hell. I'm not surprised but still. This is why they don't teach financial literacy.
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Mar 20, 2023 07:06
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DancingShade posted:I like the idea of a survival fort built in the image of a large Mayan pyramid. Standing stone wall castles are only worthwhile in the Euro meta of wasteland rulers as the local bar fight champion backed up by whoever he can convince to carry a spear, go with a tulou or something you'll still be slaughtered mercilessly but they'll have to put honest work into it
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Mar 20, 2023 07:31
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19 o'clock posted:getting murdered even after an easy $90k down payment on a mortgage that eats 40% of my monthly gross income dont worry, be happy. you just have to murder the next guy
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Mar 20, 2023 07:31
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Mandoric posted:Standing stone wall castles are only worthwhile in the Euro meta of wasteland rulers as the local bar fight champion backed up by whoever he can convince to carry a spear, go with a tulou or something you'll still be slaughtered mercilessly but they'll have to put honest work into it I like both suggestions. The trick is to be part of the ruling warlord's warband and not the meat fed into the sausage machine post-battle for the last tank of gas needed to fuel the warboss's V8 charger covered in spikes. Going solo isn't going to do anything but get you killed. Unless the idea is to hole up in a strong natural cave only you know and demolish the main entrance, then see how long your supplies last as you go mad in the dark. Maybe clutching a fine italian briefcase full of stock certificates will help alleviate the madness as the stalactites drip in the distance. We may never know.
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Mar 20, 2023 07:37
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in feudalism i would simply be an advisor slash wizard for a loser leige-lord
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Mar 20, 2023 07:40
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Xaris posted:i cant remember if this was posted or not but big shocked pikachu face Before pandemic craziness with car pricing, wouldn't most auto loans have trended negative equity because of how quickly vehicles used to depreciate? Or do people actually trade in for a new car every couple years and just accumulate dead cap space on an auto loan?
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Mar 20, 2023 07:45
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Xaris posted:there's pretty much no to little historic precedent for a city being instantly shutoff. all those famed abandoned cities like Angkor, Mesa Verde, or Sumarian empire and stuff, being snuffed out in an instant doesn't happen. it's just slowly ratcheted downward one problem at a time until hundreds of years later, there's no one except a small handful of people living there. the closest you probably would find is something like serbian war and even then that was still slow and still receiving supplies. Then again: Pompeii. Check-loving-mate. 
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Mar 20, 2023 07:49
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| # ? May 25, 2024 05:19 |
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q_k posted:Before pandemic craziness with car pricing, wouldn't most auto loans have trended negative equity because of how quickly vehicles used to depreciate? Or do people actually trade in for a new car every couple years and just accumulate dead cap space on an auto loan? not necessarily. the the "good ol' days" auto-loans were between 36-48-60 month, usually you were paying them off above or at depreciation. most of the time depreciation was significant in the first year or two and then tapered off returning to positive equity. usually stupid luxury blinged-out Sports XL Turbo with all bells & whistle trims would be underwater immediately because they're also dropping $$$$$ bucks for no/little used market value. when the average auto financing is dragged out to 72-90 month loans, yes absolutely. but now depreciation isn't as bad but also people have been dropping $50k-90 on SUVs and trucks 90-month loans so, well, shits hosed this is quite old now but gets the point across 
Xaris has issued a correction as of 08:00 on Mar 20, 2023 |
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Mar 20, 2023 07:54
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