But nice cause I texted Haiti
90 lady cops on the road and I’m arrested for doing 80

Damn, I like The Smiths, Radiohead, Joy Division, Nine Inch Nails, Pavement, and Weezer. Somehow I managed to cover the whole board.

Elon Musk wants to know your location

I mean…

The regular wheats are pretty big. I don’t think they frost them tho

Cirno plushes are limited and in high demand?

If this is true it might help explain the recent divergence between GDP and GDI.

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The whole system is so messed up on multiple levels. You not only have to publish some result that is correct (true) but it also has to be positive (support your hypothesis) and sufficiently "important " to your field or else your whole career is at risk.

I’m posting this while running an experiment at 11pm on a Saturday night trying to collect data for a grant application. Of course I’m going to lose if I’m competing against people who just make shit up.

Yes it sounds like everything worked out great for you. Good job on timing your investment! But this is a perfect example of the type of financialization of the housing market that I’m against. You used leverage to buy an expensive, risky asset and sold it for a profit just a few years later. This doesn’t always work out so well (ask anyone who bought a house in 2007) and I don’t want to put essentially all my savings into a wallstreetbets style gamble just so I can have somewhere to sleep at night.

I’m not saying mortgages should completely go away. I’m sure a mortgage is the right decision for many people’s situations. It’s just the way that people talk about buying a house, a mortgage seems to be assumed. If it wasn’t just assumed then maybe people would put more thought into whether they want to save for a larger down payment (or the full price) or whether they want to pay $750,000 for a $400,000 house.
I don’t know, maybe people see these numbers and think its a great deal. All I see is a bank making a huge amount of money from me that I would rather keep for myself. Also, if people stopped stretching their budget to the absolute limit with financing nonsense (3% down, variable rate loans, rate buydowns), in aggregate there would be less demand for houses at these high prices and sellers would have to start accepting lower offers.

Your partner wants to finance a house someday. I know I’m on the losing side of this battle but I really wish people would stop associating BUYING a house with taking out a LOAN from a bank.

It just feels like people are only deceiving themselves by saying “I need good credit to buy a house” when what they really mean is “I need good credit so I can take on a lot of debt and pay out hundreds of thousands of dollars in interest over the next 30 years.”

That’s a good point. But the US is not offering this same path to citizenship to anyone willing to buy a house in rural Alabama. I assumed these visa programs were aimed at attracting wealthy foreigners which is why the US has something similar for anyone willing to invest $800K in a commercial enterprise. That’s why I was curious if $263K is considered relatively wealthy in Greece and could buy a house even in desirable areas. The fact that apparently this is not the case makes the goals of this program unclear.

“Greece’s golden visa program requires a minimum investment of approximately $263,000 (€250,000) in real estate.”
Is that enough to buy an average house? Is the economy still this bad over there?

The busses don’t take metro card? I’ve only ever ridden the subway in NYC.

Whenever I go to Aldi (US) there’s usually at least a couple carts with quarters left in the parking lot so I just put them back. The quarters pile up in my car until I eventually bring them inside.

Rock Auto? Probably have to wait more than 2 days for your order to arrive though.

Float around and find out

Could you please elaborate on the claim that loans are essentially required for modern life in the US? You might be able to make the argument for a mortgage but even that is not absolutely required. Possibly student loans could be seen as required but those are largely government subsidized/administered and typically given out to younger people who haven’t yet gone through a bankruptcy.

It’s probably bad form to bring this type of comment over from reddit but in this case I can’t help myself.

Username checks out.

Brazil