Nope. I don’t talk about myself like that.

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Joined 1 year ago
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Cake day: June 8th, 2023

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  • Good thing what I actually said was

    Paying anything you can up front saves you several times over in the long run.

    My point was that the advice was terrible. Not that there are other circumstances that could make it useful. Overall, as a general rule you shouldn’t want to just hold onto debt for no reason if you have means to pay it down. It’s also why I specifically showed 10% as well rather than just the typical 20% downpayment, it furthers my point that

    you’re so much better off if you put as much into the down payment as you can.

    “As much […] as you can” And not just some 20% or whatever magic number.



  • This is terrible advice. Paying anything you can up front saves you several times over in the long run.

    Let’s talk 500k house, 6%, 30 years, no pmi, no taxes, no extras…
    Paying 100k (20%) up front you’ll pay: $863,352.76
    Paying 50k (10%) up front you’ll pay: $971,271.85
    Paying 0 up front you’ll pay: $1,079,190.95

    Paying 20% down (100k) will save you over 200k.

    If you intend to live in the house indefinitely, you’re so much better off if you put as much into the down payment as you can.

    Edit: List formatting






  • The FBI estimates that between 2,000 and 2,500 people entered the Capitol Building during the attack, some of whom participated in vandalism and looting, including in the offices of then-House speaker Nancy Pelosi and other Congress members.

    So you think there’s only 2000 police officers in the USA? That 100% of them are at polling places harassing people and have a coverage of all polling places in America?

    The fuck looney world are you all going on about? Your own source says

    Nearly 30 sworn police officers from a dozen departments

    Okay so at worst that’s 30 polling places. And somehow this is something to bring up like it’s going to be a statistical probability. This constant ACAB bullshit has infected you all and it’s disappointing.

    30 out of 21000 polling places is not “quite possibly” get out of here.

    Edit: There’s an estimated 900k police officers in the country. 30 did something you think is shitty, therefore the other 899.999k are also bad and will be there to make you regret voting and harass you! What a silly stupid argument.









  • You know what, I can appreciate that. The difference though is that I don’t claim to be a scientist or leading expert in any of the fields I talk about. I also don’t tend to portray myself as an educator on ANY field… except for when I’m in the actual classroom teaching (which I don’t do anymore due to administration politicking, and I was in the field of IT). And when I converse online, I do it as a literal “rando on the internet”. Without my potential qualifiers in the vast majority of cases which doesn’t imply actual knowledge in anything.

    This is part of my problem with him. He’s viewed as this amazing educator and scientist… That will put people off from questioning his assumptions/statements by default because as kids you’re taught to listen to teachers/educators. And he put himself in that position so I have no sympathy for it.

    I have similar hangups with Bill Nye the “Science” Guy. Who’s only qualifications are Mechanical Engineer at Boeing. Yet for some reason people treat him as some amazing scientist in completely unrelated fields. When he’s not. And because he’s built that reputation and put himself adjacent to actual science for so long that nobody questions the nebulous and crazy shit that he says anymore.

    Nye’s anti-nuclear stance being a prime example, flying in the face of what actual scientists have been talking about for decades (though debate-ably, now nuclear might be too late to the party to significantly help anymore. Though I think we should still be doing nuclear personally). Or claiming that he knew anything about Quantum Entanglement and through QE, time-travel because of blackholes… Also don’t forget that he was a willing spokesperson for Exxon to talk about how drilling oil is safe. Forget that it’s one of the most dangerous jobs on the planet, and burning any oil in any form simply isn’t safe and even pushed the “clean burning” (rather than less dirty burning) fuel, which as a by-product even releases more radiation than nuclear does (going counter to his actual complaints about nuclear in a huge way).

    I dunno. I’m just tired of being “educated” by people with no qualifications. And when I bring up the obviously wrong things I see… all I see is the masses in love with the characters.