Date: October 15th, 2026 5:24 PM Author: Seedy Cracking Patrolman
>Taking a mortgage instead of putting 100% down is "financially literate"
Explain because the math does not support your assertion. A 20% down, 30 year fixed rate mortgage is one of the greatest wealth generating tools in human history
Date: October 15th, 2026 5:35 PM Author: Crystalline potus
People underestimate the value of leverage for a prole household who scrapes together a 20% down payment. Principal appreciation occurs against the entire asset, not the Equity, fwiw. Whereas with equities it’s against the…. Equity.
Date: October 15th, 2026 7:23 PM Author: Fucking Fuckface
Shit that people still play religiously, like the binding of isaac and the first spelunky (the updated graphics one) make me question whether anyone actually thinks that only AAA games are relevant
Date: October 15th, 2026 5:32 PM Author: Crystalline potus
A lot of people oversimplify why PS1 outsold N64. CDs are part of the story, but N64 was also hard af to develop for, similar to — but not as bad as — Saturn.
Date: October 15th, 2026 7:40 PM Author: Fucking Fuckface
I think this is much more true than people are comfortable acknowledging. But how do you explain those people who stand by a spouse who is slowly withering away in a hospital even though they're only paying out
Psychological defect(s)? Too insecure to be judged by society for leaving?
any discussion of 'root causes' with respect to reducing crime. in reality, something like 'propensity to be a shitbig criminal' is NOT an even distribution across the population, and locking up the most violent 1.5% of men (like El Salvador did) can lead to a 98% reduction in violence.
"the brain doesn't mature until 25" - literally no evidence for this. it was just made-up bullshit. the most important later phases of cerebral development seem to take place around puberty.
the idea that there's some correct timeline for living your life, or that you're trapped on your current path and don't have infinite possibilities at any point