seth

What can you get for a penny these days?

TIL. I dislike Milky Ways, they're incomplete substandard Snickers. 3 Musketeers are even worse; nougat is the worst part of the Snickers. In a Halloween haul, I'd always rather eat a roll of Smarties or a packet of two Spree than a Milky Way or 3 Musketeers, and that's the equivalent of saying I'd rather eat a piece of chalk.

Small unlucky differences like that among players can really make or break a game experience, for sure. I got through the starting areas in Last Epoch on release very quickly, and I only experienced a few crashes that didn't prevent me from having a great time all the way to endgame. That was pure luck I think, bc when I maxxed my character out there were still a lot of players struggling with login and loading crashes, and I know some who refunded the game because they couldn't even get in.

I thought it was great on release. Bugs were mostly easy to work around or beneficial and didn't stop me from completing the game. I stumbled onto a bug that was basically infinite money and unlocked all the cars and motorcycles before it was quickly patched. Also a way to terrain glitch the psychos and beat them when I should've have been strong enough. Cruising through content when you feel like you're breaking the world like Neo dropped into a William Gibson novel is exactly what I wanted from a cyberpunk game.

This is interesting. I do get that if you have initial money to buy a house outright, there are better mostly safe things you can invest in, to get a higher return on investment than a house. If I got a 30 year mortgage in 1994 and paid $1M over that time to pay it off on say, a 5% fixed rate with no PMI or downpayment required, the purchase price was probably closer to $500K assuming 2.5% average annual inflation. And average housing inflation since then was more like 2.8%, so factoring in maintenance and taxes and insurance, guessing no real appreciation over that time. But the quality of life difference to an apartment of the same cost would I think in most cases more than make up for it.

I think where I'm stuck is, we're starting from the idea of having $1M in hand to start out with to buy a house outright or rent + invest, where a much more common situation is either: I have not got anything saved up, so I can neither invest nor get a mortgage without an initial downpayment; or else, I have enough saved up for a downpayment or PMI and hopefully a secure enough income to pay the mortgage every month.

In my case, mortgage + escrow + maintenance costs are still less than half what I was paying for my cheapest studio apt nearly a decade later, and a much better quality of life because of the extra savings. My neighbors are renting a nearly identical house, and it's criminal how much they have to pay to stay there. I wouldn't be able to afford rent here.

Where is the money that is stuck in the house, that would hypothetically be able to be invested if not spent on the house? You have to pay to live somewhere, and if you're paying less to purchase than rent, that is money saved which is available to invest. Do you mean the up-front downpayment money needed to acquire a mortgage in the first place (typically 10-20% of the purchase cost), that could be invested in the market instead for a higher return than slowly building equity through principal payments?

Still cheaper to own, if you have the initial funds or loan to buy and know you won't be leaving the area for awhile. If you rent a property those maintenance and tax and insurance and interest costs associated with owning it are just passed on to you in to your rent, plus a profit margin so the owner can make money off renting it out to you. Owning the same property would cost less, over time, and not just that, but you would have something to show for it.

Part, part design, arch, curves, draft, and sketcher for me. Everything I need for 3d print modeling as well as larger scale planning. I recently stumbled on to the spreadsheet/data tab and don't know how I've gone so long without it. Very handy for named dimension references all in one place

I'm surprised only 1 in 5 is depressed. Oh, diagnosed, got it.

You're not a "private citizen" when you're supposed to be a public servant. Johnson's name is appropriate, he's a total dick.

Oh my god! What happened to it? Did you change your order to the same thing?