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Cake day: July 14th, 2023

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  • Ok. What part of that conflicts with what I said?

    If he cheated on taxes, then fuck him. But I think it’s generally assumed that these fucks all cheat on their taxes. So if you’re going to go after one, then go after all of them.

    And again, he’s not actually a politician, and was only targeted because of who his dad is. If you don’t see that as abuse of authority as revenge against his dad, then there’s no point in talking to you.

    Also, if you read the fucking article yourself, it never goes into details on the tax charges.




  • A lot of people here missing the point. We don’t care about this because Hunter was the target of a witch hunt. The actual “crimes” weren’t impactful at all. The Republicans literally spent 8 years dragging him through the mud, digging for anything that he could be charged with, just because who his dad is. And Hunter didn’t even touch politics in the slightest.

    The gun charge is the moral equivalent of crucifying someone for having pirated music on their hard drive. It was a nothing crime, never enforced, and the only reason it was in this case was because they happened to find something they could latch onto.

    I don’t know anything about the tax evasion conviction. If it was serious, then sure, fuck him. But I’d want them going after every politician AND their family with equal vigor. But guess what? They aren’t.

    That’s why most of us don’t really care. The man is not important. He holds no position of power, nor has he expressed any intent to. He is not important, except as a whipping boy for their propaganda. And a pardon for such preposterous prosecution is fine with me.



  • Very well said. I hated Harris’ “economic plan.” It wasn’t going to make a dent. It might get some people in rural passover states afford a home, which is great for them, but would do nothing but maybe raise costs of entry level tiny condos in any city.

    But I do think they accomplished a lot in Biden’s term. If you compare the US’ inflation to other 1st world countries, we recovered far better. We were moving in the right direction. It would have been far worse with Republicans.

    And they accomplished all that with a festering rot of DINO obstructionists in the senate, and a republican controlled House. They did an amazing job with the limitations they had.

    But they didn’t adequately lay the blame in the right hands. They didn’t address greedy corporate Housing speculation. They tried and failed to reign in “shrinkflation”. And they failed to bring some sanity to the immigrant blaming, and instead somewhat joined in on it.





  • How would your point of view differ if you had bought your house right before the crash? Your entire outlook on the wisdom of paying yourself via principal vs a landlord seems to be based on your particular (lucky) circumstance that you got into the market at a time where your monthly cost for mortgage was comparable to rent prices at the time. So locking it in time was a good decision.

    That is not the case anymore. I have presented numbers to support that argument, even if it’s overly simplified for simple calculations.

    And you’re seemingly ignoring the distinct possibility that housing prices may tank, at which case locking your rate at twice comparable rent would be a terrible situation.

    Right now, my money is parked in other investments. We are keeping an eye on the housing market, but paying $300k as a down-payment for the privilege of doubling my monthly housing cost does not seem like a financially prudent decision, when my money is making more in its current investments. And given that if we took a loan out now, we’d probably refinance for a lower interest rate at a later time, reseting the interest/principal schedule anyway.

    This is the reality of the market right now. Your outlook is not applicable in today’s paradigm.


  • That’s making done huge assumptions that you have no way of knowing will be reality.

    Rent may go up. It may go down.

    Housing prices may go up. It may go down.

    Locking yourself into a mortgage for “fixed rent” may end up closing you hundreds of thousands more than apples to apples rent. Taking the above scenario, you’re paying about $360k more in the first 10 years than you would renting, if rent prices don’t go up over that time period.

    Yes, both rent and housing tend to go up over time. But who knows what the immediate future holds anymore. Housing prices are starting to contract. There’s more push for high density housing, which people generally think will lower rent (I disagree, but I’m against the grain here).

    One thing I’ve learned from economists is that despite all their expertise, they’re very bad at predicting big events that have huge impacts on the economy. And we’ve been getting a lot of those the last few decades.


  • I rent a house for $4600/mo. To buy this same house in the same neighborhood, it would be roughly $1.6m, tho prices are starting to fall a little on these higher cost neighborhoods, so let’s say $1.5m for a deal.

    With a 20% down-payment on a 30 year fixed rate loan, it would be close to $10000/mo (including insurance and property taxes).

    Also, the lions share of your mortgage goes to paying down interest for the first decade or so.

    So let’s say $1k goes to principle per month. You’re still burning twice as much money owning as renting.

    The only financial upside is that you may be able to sell for more than you paid. Minus Realtor fees, whatever renovations / maintenance you made over the years, etc.

    The current market is insane.

    Edit - so I’m not talking in complete generalities, I glanced at the interest/principal ratio. No idea how accurate this is.

    After a year of mortgage payments, 31% of your money starts to go toward the principal. You see 45% going toward principal after ten years and 67% going toward principal after year 20.

    https://www.americanfinancing.net/mortgage-basics/mortgage-payment-explained

    I don’t know what the ratio is in the first year, maybe 100% interest?

    So at a monthly payment of $9800, $7864 of which is towards mortgage, that’s $2437 / mo towards principal from years 2-9.

    So essentially you’re burning $7363 instead of $4600 for the hope that your house increases in value when you sell it.

    Fiscally speaking. There are a lot of other pros and cons to owning.






  • Oh, don’t worry, their mental gymnastics will allow them to smugly blame the DNC while the world falls to pieces.

    They’ll fart into their glasses and huff while recounting how it was the DEMS fault for being unattractive, even while the fascists dismantle the checks and balances, pass a federal ban on abortion, Russia slaughters Ukrainian men, women, and elderly by the thousands and ships their children off to Russia to be prepatrioted.

    They’ll say Isreal would have done the same under Harris as they completely repell or slaughter the remaining Palestinians out of the west bank and move on to Lebenon.

    They’ll shrug as hundreds of thousands of immigrants, illegal or otherwise, and rounded up and thrown in camps or shipped over the border with no recourse besides an intentionally ineffective appeals process if they actually happened to be here legally.

    Etc. Etc.

    They’ll just blame it on the Dems. Just like they have done since 2016. And they’ll feel great about it.