dream_weasel

Removed by mod

I did.

Buy a helmet. Wear it.

And we will all laugh at you for that hot take. Next time get off your ass and participate if you have an opinion.

Coooool…

Storm light archive has a tough one.

In a totally different vein, Grey’s anatomy has the worst one

Yup.

I refinanced after the last crash and my next 17 years of home loan are locked in at 3.125% interest. That perhaps makes it a different proposition.

Not a problem here in the states: mortgage rates are fixed. Also once you put some equity in, you can usually leverage it. But it really depends on your personal circumstances.

“The first few years go to interest” and “the first few years are overwhelmingly paid toward interest” are not the same thing. The shorter the term, the smaller the total amount of interest paid is (and often the better the rates), and the more principal only payments you can make the lesser the interest paid.

Of course interest fraction is different by payment, but it’s not as though the first payments you make are a lost cause: mortgage payments are always contributing to your ownership, rent payments never are. It’s only a question of liquidity in the moment. Depending on the OPs situation rent could be more than a mortgage payment, in which case I know which I’d rather pay (as long as I could afford the insurance) if I wasnt planning to move right away.

Depends how much money you have an the mortgage length you pick. Every payment covers some principle and some interest. There is no situation where you get a house and then just pay interest. This is a lack of understanding of how payments work.

Well that’s a super nuanced answer though.

IF OP can afford a house AND can keep enough emergency savings to deal with an issue, it may still be better to buy. Rental money is just gone forever in exchange for not assuming any risk on the property, but it retains no value.

If OP can’t afford to buy at all, this post is stupid, so the question is really if there’s no money left for emergencies. In which case, the obvious answer is keep renting because a single point of failure pushing you out of your house is a bad proposition.

If there’s SOME money… It just depends on the house. Some of the failure points are covered by inspection, but it could be risky. Better to not max out your ability to borrow if at all possible.

Cool thanks!

How are they different? It’s halal brand soap and that’s the difference?

“How is halal stuff done differently?”

“Oh, you have to do it differently.” / “it’s cleaned with different chemicals."

… Neat. You can tell it’s different by how it is… I guess.

You just defined the reason for asking the question without in any way answering it…

I think you’ve misspelled cast iron. Or maybe carbon steel?

I do want some stainless skillets, but specifically to stick fond in from meat searing, not to replace nonstick. It’s for actually the opposite purpose.

Then you maybe aren’t one? you’re born in the 90s which makes you heavily tail end.

Edit. Sorry I guess you’re millennial out to approx 1996, but still, there are a lot of us born WAY before you. There were millennials in middle school before you were born. Don’t be shitty about it.

Top of the dam near ironforge in classic wow before deathwing had his way with it.

An absolutely and totally unbiased view ofc.