Twitter poster of the year 2020, 2021, 2023
Florida
Joined October 2023
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Hilarious thread - this guy is refusing to commit to monogamy but is looking for a girl to have his children who would be monogamous.
He is claiming his wanting to sleep around is some special personality trait and he would be suppressing his true self if he didn't do it.
No luck thus far, but you have to give him props if he manages to pull this off 😂😂😂
People need to read this and fully understand it.
This person claimed that you would be "totally screwed" if you had a 50yr mortgage and sold after 7 years.
In reality, you would have made hundreds of thousands of dollars on the average home, and it would have been MUCH better to take the 50yr option and invest the difference in payments into a basic index fund.
To sum up the math, in that first 5-8 years neither 30 or 50 gives you much equity. You might as well take the lower payment!
Do...you people understand at all how mortgages work?
Here's the math in your exact scenario using real data from 7 years ago:
Avg home price in 2018: $385,000
Avg interest in 2018: 4.5%
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Down payment: $77,000
Mortgage amount: $308,000
30yr payment: $1560/m
50yr payment: $1291/m
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Avg home price in 2025: $512,800
30yr balance after 7 yrs: $266,928
50yr balance after 7 yrs: $294,155
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30yr sale profit: $512,800 - $266,928 = $245,872
50yr sale profit: $512,800 - $294,155 = $218,645
Monthly savings from 50yr: 7*12*$269 = $22,596
So you profit $245,872 with a 30yr mortgage.
You profit $218,645 with a 50yr mortgage, and save $22,596 by paying less every month. That adds up to $241,241 - it's just a bit less profit!
And this is assuming you didn't invest any of that extra monthly savings - if you did the 50yr was easily the BETTER option.
I really do not understand all the screaming about the 50-year mortgage.
First of all, you don't have to get one! If you hate 50-year mortgages so much, you can just ignore they exist and do 30-year.
But more importantly, every argument against 50-year mortgages can be applied to a 30-year mortgage in comparison to a 20 or 15-year term. To claim a 50-year mortgage is somehow uniquely bad, there has to exist a point between 30 and 50 at which mortgages become "slavery" or whatever. There simply isn't one.
Every argument I see on this is basically railing against the idea of **mortgages in general**, which is silly. Mortgages and home ownership are obviously a good thing for society. People are being emotional instead of properly analyzing the situation.
The "50-year mortgage" is a disgusting insult. We are Americans. We are not slaves. We are not slaves to the plantation owner. We are not slaves to China. And we are not slaves to Wall Street. This 50-year mortgage idea is a spit in the face. It is an insult. We did not vote for this. We did not vote to become debt slaves to private equity firms, the big banks, and Wall Street.
Right now, the median home in America costs $500,000. At the prevailing mortgage rate of 6%, you would have $580,000 of interest payments over 30 years. If we went with this ridiculous, inane idea of a 50-year mortgage, that would be $1.1 million of mortgage payments for a $500,000 home. You would end up paying $1.5 million for a $500,000 house.
My grandfather was a World War II veteran. He always told me that we do not want to pass down this national debt to the next generation, to our kids and grandkids, and make them slaves to China. I am not worried about China anymore. I am worried about becoming slaves to Wall Street. And the do-nothing Republicans and know-nothing Democrats seem to be working together once again to push this usury on Americans.
It is an absolute insult. If we want to get serious about housing affordability, the crisis staring down my generation, consider this: when my dad was growing up in the 1960s, half of 30-year-olds were married and owned their homes. Today, only 15% of 30-year-olds are married and own a home. If you cannot own your home, you cannot get married. If you cannot get married, you cannot have kids. If you cannot have kids, then what is the point?
This is an insult. This is economic genocide against the Gen Z generation, trying to foist this kind of slavery and usury on us. We reject it 100%.
If we want to get serious about housing affordability, why not ban Blackstone, one of the largest donors to both parties, from buying up entire neighborhoods and forcing us to rent from them? If we are serious about housing, why not remove the 55 million people here on immigration visas who occupy homes that could go to Americans who have worked, fought, and bled for this country?
I am sick and tired of the do-nothing Republicans and the know-nothing Democrats being in bed with Wall Street, forcing us to become debt slaves, forcing us to accept this unrestrained usury. We did not vote for the 50-year mortgage. If this continues, the Republicans will lose the midterms, and they will deserve to.
These people have convinced themselves that off-off-year elections in two states somehow overrides the federal election that Republicans decisively won
The mask is totally off now that some of their centrists are feeling heat due to the SNAP cuts.
Dems have closed the government and they're furious it may open again.
You couldn't make Lord of the Rings today for multiple reasons. When they did the remake it was significantly worse because they had to inject a bunch of "diversity" and water down certain elements of the world.
Same with Harry Potter. Or even something more recent like "Inception". All the main cast is white - this would never fly today! They would arbitrarily replace a couple of the stars with "diverse" people, and the movie would be worse because they replaced key roles with people who weren't the best fit.
These things matter. If you systematically cast worse people and throw out compelling plot points movies will get worse. And people will catch on and stop going.
Hollywood almost exclusively turns out left propaganda slop. There are so many great movies from just 10-15 years ago that could never get made now without casting more "diversity" or changing the plot to be less offensive etc.
They broke the rules a few years ago and made Top Gun 2 and it made a zillion dollars, but for the first time in Hollywood history there were zero copies of an incredibly lucrative strategy.
More TDS. What is the exact length in years between 30 and 50 at which a mortgage becomes "debt slavery"?
The vast majority of mortgages don't get paid off in full, right now. So this has zero practical effect on most people, other than lower payments.
"But people will starve!"
Well, not if they do what every other developed country does and figure out how to feed themselves! It's actually pretty easy to do.
They have the luxury of not thinking about it and just killing each other in wars all day because we will cover it.
My unpopular-but-strongly-held opinion is we should stop ALL food aid and put that money into increasing the birth rate here in the US.
Subsidizing huge families in the Congo while families shrink in the US is insanely bad policy for humankind.
This is good. You should absolutely feel bad for leeching off the government to support 8 kids.
These people should feel bad and struggle every day instead of seeing another kid as just a scaling vector on their free government stuff.
Still confused. Is there a new version of Claude that forces you to launch a gallon of water into orbit before it will tell you about why your foot hurts or whatever
Can someone explain to me what the actual argument here is? How does AI "use water"?
Like, are they saying that AI uses energy generally? This whole argument just makes zero sense to me.
The elephant in the room nobody seems to be mentioning.
Winsome Earle-Sears was wildly unqualified to run as the GOP candidate in VA. She was terrible at basically every aspect of campaigning.
My take is nobody legit wanted to run alongside a Trump gov't doing federal gov't spending cuts, but let's at least all admit this wasn't the GOP's best effort.
Yes, BUT I fear Sears has the same problem for the GOP. Having a black woman on the ticket in 2021 helped suppress many typical Dem attack vectors during Peak Woke, but that time has passed.
Is she the best candidate of all the Republicans in VA? Probably not. And not a lot of room to run suboptimal candidates in that state and this environment.
Your friendly reminder that Dems winning VA by 10 and NJ by 15 is basically the expected result when a Republican has just won the presidency.
These states lean towards mid-single-digit Dem wins with a ~5pt swing away from whoever just won the presidency.
Mamdani wins early vote by 12. Sliwa only getting 8%
Cuomo needs to win e-day by ~8. That seems...possible?