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Joined 1 year ago
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Cake day: July 9th, 2023

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  • My place isn’t paid off but it is cheap enough that I can say what would change and, importantly, what wouldn’t.

    My monthly payment is just under $700 a month. About $400 of that is the actual mortgage. The rest is basically property taxes and insurance. I’d save $400 a month but would still have to pay $300. Assuming I didn’t decide to just earn $400 less a month then that $400 would have to go back into the property. I need a new roof. I need a new HVAC (AC died three years ago). A new roof and AC would cost almost a quarter of my original mortgage. So in the end not much would change financially.

    An important thing to remember about home ownership is that on average you are going to spend about 1% to 3% or a dollar a square foot on home maintenance each year. I had to replace my septic system months after buying the place, 7.6% of the home price. I had to replace my water heater a few years ago. Fortunately it’s located outside the building so no water damage and I was able to do that replacement myself so instead of spending $1800 for someone else to do it I did it for $450.

    Once I have even a little spare money I need to do some roof repairs, not pay someone else to do it.




  • Let’s get something out of the way. I’m not a liberal. So please stop arguing with the person you want me to be and try having a conversation with me.

    If you assume that this poll is representative of the whole election then you are letting your bosses get in the way of reality. Right now it’s a statistical tie but with Harris ahead by 2 points. And on the electorial side Harris leads by 7 and is probably taking Michigan. But neither party is near 270 yet. So you might want to be less absolutist in your predictions.

    The pole here states that this poll is an improvement for Harris from the last one they did. So if the trend continues your prediction is wrong.

    Any time I see “far left” or “far right” I have to ask qualifying questions to figure out if they are the kind of person that always adds far to it no matter what the situation is.

    If the left and the right politicians both agree on something then it tautologically can’t be far anything. Maybe the Overton window moved but it’s still the centrist position.

    Dems have been doing pretty good for themselves lately. They’ve dominated every election since Dobbs.