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Dillbag posted:I assume they're referencing the fact that the US has 30 year mortgage terms but Canadians have to refinance with changing interest rates every 5 years. You have like 30 year fixed rate mortgages? Or is it all variable rate all the time? In the UK you don't refinance when your deal changes, you still have the same mortgage on the same terms just on different rates, fixed or variable whatever you pick. Like the guy above said getting a fixed is a bit of a gamble but can be good. My fixed ended recently and I got another fixed rate for 5 years as part of my overall 25 year mortgage.
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Mar 11, 2024 23:32
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Hemish posted:I'm not an expert but you do sign up for like 25 years but the interest rates has 2 options usually. Totally variable at all times or set in stone for a few years (max is 7 years the last time I did mine). I think if you select variable, you can switch to a fixed rate after a set period time decided by what you picked when you did your "refresh". Yeah sorry that's what I meant. Term can be 25-30 years, but interest rates are recalculated every 5 years on a fixed term, or change with the interest rates on a variable term. The variable rates are generally lower than the fixed rates. Don't be like my brother, who signed a variable mortgage so he could save half a percent at the end of 2021. His interest rate has tripled since then.
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Mar 11, 2024 23:42
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Aramoro posted:Wait, how do your mortgages work? You get a 15 or 30yr loan (usually) at a fixed rate (there are other types, but this is most common). The interest rate stays at whatever it was when you took the loan out, unless you voluntarily refinance it. So for example we got incredibly lucky by having the one form of socialism in the US available to us (veteran) and got our house just before covid at a 3.9%, and then refinanced it for 2.6%. It will be 2.6% for the life of the loan. Instead of the canadian/British way where you have a 25 or 30yr loan broken into multiple terms that are at the whims of the current interest rate. Americans using loans like the ones you guys have is essentially the type of loan that caused the 2010 collapse.
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Mar 11, 2024 23:50
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Smuggins posted:I actually remember bumping into JP Sears channel a long time ago and it was general meditation stuff and some funny lampoons of the worst of new age behaviors. QAA did an episode about his turn from general life couch to full on right wing garbage a couple years ago (the episode is also guest hosted by the guys from The Dollop)
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Mar 12, 2024 00:27
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A potato famine in the UK? Maybe they can call on Ireland for help. https://www.potatonewstoday.com/2024/03/08/british-farmers-issue-stark-warning-they-could-run-out-of-potatoes
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Mar 12, 2024 00:27
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iwentdoodie posted:Americans using loans like the ones you guys have is essentially the type of loan that caused the 2010 collapse. Only a small part of it. As usual, consumers got scapegoated for backroom deals that went south.
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Mar 12, 2024 00:42
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Bondematt posted:Only a small part of it. As usual, consumers got scapegoated for backroom deals that went south. Oh absolutely. But ARMs were a giant chunk of the lovely loans and American financial literacy is usually even worse than general literacy.
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Mar 12, 2024 01:19
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iwentdoodie posted:Oh absolutely. But ARMs were a giant chunk of the lovely loans and American financial literacy is usually even worse than general literacy. Yeah this. It's seared in my brain now to never get an adjustable rate mortgage after everything that collapsed our entire economy in the late 2000s. I mean, I wouldn't ever do that in the first place, but now it just seems like a straight up scam. I got my first ever mortgage in 2015 at 3.5%. I think it was a 20-30 year. Then when the pandemic happened and everything went to poo poo I quickly refinanced a 10 year at 2.75%. I'll probably have my house paid off in 5 years now. I'm not a gambler.
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Mar 12, 2024 01:26
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BiggerBoat posted:My problem is that I have stupidly thin arms but kinda fat thumbs so I can never find a ball light enough that has big enough thumb holes. FIrst world problems and such. I just play 5 pin bowling, like a true Canadian   Dillbag posted:Don't be like my brother, who signed a variable mortgage so he could save half a percent at the end of 2021. His interest rate has tripled since then. We know multiple people who signed variable mortgages when interest was at 1.5%. Like... did they think it was going to go lower? 
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Mar 12, 2024 01:28
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Wait, is the US actually better for locked in interest rates vs other countries? I assume there must be a catch cause there’s no way the US is more consumer friendly at something.
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Mar 12, 2024 01:33
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the catch is catching a bullet
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Mar 12, 2024 01:37
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Haptical Sales Slut posted:Wait, is the US actually better for locked in interest rates vs other countries? I assume there must be a catch cause there’s no way the US is more consumer friendly at something. The catch is home ownership is basically the only form of retirement available to the majority of the country, so housing costs are insane.
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Mar 12, 2024 01:50
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Tagra posted:I just play 5 pin bowling, like a true Canadian drat that's a nice gangtag.
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Mar 12, 2024 02:12
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Haptical Sales Slut posted:Wait, is the US actually better for locked in interest rates vs other countries? I assume there must be a catch cause there’s no way the US is more consumer friendly at something. Air Skwirl posted:The catch is home ownership is I lucked out hardcore and count my blessings all the time. All of the conditions were right and I ended up owning a home in my 30s. edit: it's small, maybe 1000sqft but it's all I need and I fully plan on dying here. I feel bad for everyone else. 
Pennywise the Frown has a new favorite as of 02:18 on Mar 12, 2024 |
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Mar 12, 2024 02:16
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BiggerBoat posted:My problem is that I have stupidly thin arms but kinda fat thumbs so I can never find a ball light enough that has big enough thumb holes. FIrst world problems and such. Flip that bad boy upside down and just use the two finger holes  Haptical Sales Slut posted:Wait, is the US actually better for locked in interest rates vs other countries? I assume there must be a catch cause there’s no way the US is more consumer friendly at something. Broken clocks and all that, we're doing our best to enshittify it down to everything else's level 
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Mar 12, 2024 02:27
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Takes No Damage posted:Flip that bad boy upside down and just use the two finger holes That's how I bowl. It takes some getting used to on any new lane to figure out how much spin to put on, but I did get 4 strikes in a row once.
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Mar 12, 2024 02:30
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I, too, lucked out hardcore at 2.875% fixed rate a few years ago. Also avoiding realtors entirely saved some bucks. Schad is me watching every other property in the neighborhood (the country) get bought up by management firms to flip and rent (Nothing against renters, but gently caress those garbage landlord dicks)
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Mar 12, 2024 02:33
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Pennywise the Frown posted:I lucked out hardcore and count my blessings all the time. All of the conditions were right and I ended up owning a home in my 30s. Sup "bury me in my starter home" buddy.
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Mar 12, 2024 02:35
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BiggerBoat posted:My problem is that I have stupidly thin arms but kinda fat thumbs so I can never find a ball light enough that has big enough thumb holes. FIrst world problems and such. the way i bowl is i grab the lightest ball i can find and then palm it like a basketball and chuck it down the lane. dead straight every time. if i can get a pinky in one of the holes i'll do that too but that might be oversharing
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Mar 12, 2024 03:12
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I usually get the heaviest ball because that’s usually the one with the biggest holes and I throw it straight at the pins as hard as I can. They bounce around so much that usually at least 8 fall even if I don’t aim that well
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Mar 12, 2024 03:28
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https://packaged-media.redd.it/k5nh...37733092bf3#t=0
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Mar 12, 2024 03:54
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I know this was 20 pages ago but if you put baking soda into ketchup it will foam quite a bit. I do it on purpose when I make curry sauce for currywurst because after you stir it for a while it goes back to normal except it gives it a slightly lighter consistency and it reduces the sweetness of the ketchup. If she put even as much as a tablespoon or so in there it would have foamed up like that no problem.
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Mar 12, 2024 04:06
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Goddamn. McConnell's wife's sister backed her tesla into a lake at her ranch house and died in it because the EMS couldn't break the shatterproof windows. It's like fate decided to try titan submersible at home.
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Mar 12, 2024 08:37
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Stupid_Sexy_Flander posted:Goddamn. Also it took EMS like 25 minutes to get to her so she was dead already. Breaking the windows would have done nothing.
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Mar 12, 2024 08:44
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Air Skwirl posted:The catch is home ownership is basically the only form of retirement available to the majority of the country, so housing costs are insane. But this implies the banking systems in other countries purposefully don’t let people lock in good rates because they have pensions? The two seem unrelated but I also know nothing of such things. Seems wild the US would be an outlier with that sorta thing either way. But that is an interesting point and property probably is the only form of retirement or generational wealth here in freedom land. Pennywise the Frown posted:I lucked out hardcore and count my blessings all the time. All of the conditions were right and I ended up owning a home in my 30s. Yeah same, barely got in before poo poo really hit the fan and was able to refinance. It’s impossible now.
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Mar 12, 2024 08:57
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Stupid_Sexy_Flander posted:Goddamn. Also she was just traveling from the guest house to the main house but it was chilly so she decided to drive instead of walk. Her phone was still getting reception so she was calling her friends and screaming for help as the car filled up with water  Hippocrass posted:Also it took EMS like 25 minutes to get to her so she was dead already. Breaking the windows would have done nothing.
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Mar 12, 2024 08:57
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Me being lazy was part of it, but my cat crawling under me every time I tried to do push-ups was a significant factor in me never doing the 100 push-ups challenge. https://x.com/catshouldnt/status/1767476124093989158?s=20
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Mar 12, 2024 10:13
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Oh no the distance between two houses on the land I own is literally too far for me to walk to get to and I'm tied in to the literal worst people in the universe, why won't somebody help me out of my Tesla?! Lol get wrecked
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Mar 12, 2024 10:14
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I didn’t realize that was a feature for Teslas that’s kinda awesome
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Mar 12, 2024 10:23
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Is this what they mean about Teslas being able to serve, briefly, as a boat? Yes, I know it's about the Cybertruck
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Mar 12, 2024 10:26
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Neddy Seagoon posted:Yes, I know it's about the Cybertruck https://twitter.com/elonmusk/status/744551674082136066 Check the date.
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Mar 12, 2024 10:28
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It was -8 degrees. Just wear clothes and walk.
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Mar 12, 2024 10:28
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-8F? She broke through the ice? lol get hosed moron
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Mar 12, 2024 10:42
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Air Skwirl posted:Me being lazy was part of it, but my cat crawling under me every time I tried to do push-ups was a significant factor in me never doing the 100 push-ups challenge. You've got to get them their own little exercise mat to sit on.
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Mar 12, 2024 11:40
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The us government has always gone hard at pushing home ownership, at least until recently. Edit: a timely article https://www.theguardian.com/society/2024/mar/12/renters-poll-owning-home
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Mar 12, 2024 13:42
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Investment firms are making too much money on tax breaks from unrented property for anyone to actually push for home ownership. Now that'll be $3000 a month for a 2bed/1bath in Murder Row.
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Mar 12, 2024 14:25
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Fuckin wish I could move all the way up to Murder Row
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Mar 12, 2024 14:43
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Hyperlynx posted:You've got to get them their own little exercise mat to sit on. Or put a keyboard next to it
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Mar 12, 2024 15:06
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3D Megadoodoo posted:It was -8 degrees. Just wear clothes and walk. She was rich enough to have multiple houses on the one estate and had come from a party at the guest house so was probably drunk. Her error was choosing a loving Tesla instead of something cool, like one of those small electric cabana buses  Or one of those new driverless buses where you just punch a button for your destination. She was more than rich enough.  But she bought a Tesla and now she's dead and the world is a slightly better place.
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Mar 12, 2024 15:51
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Repostin a classic https://twitter.com/AngryVeren/stat...genumber%3D4181 This thread is pretty funny too
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Mar 12, 2024 16:12
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