That does not sound like an anxiety attack.
I believe the official reason is because it’s a trans-focused instance, and trans people are often downvoted by bigots. But to me, the biggest advantage is escaping the peer pressure of upvotes/downvotes.
I found myself easily swayed by karma on Reddit, and it got so bad that I could barely express myself without trying to copy the Reddit “tone of voice” and agree with everything the hivemind went for. Now that I don’t see downvotes, it forces people to actually have a discussion in the comments if they want to sway my opinion. It feels much more human and has been great for my mental health.
Same. I prefer the ultra thins. Anything else really doesn’t feel differently on the receiving end, even the ridged ones.
I’m the same way. I bought Premium when I started sleeping to Thunderstorm Sounds videos and didn’t want ads interrupting my sleep. And I found that it’s nice to watch my ASMR videos and videogame reviews without struggling with ad blockers, etc. Overall I don’t mind spending a couple bucks a month for it. I get that server costs are expensive and the platform needs a way to make money so it is what it is.
My lemmy instance doesn’t support downvotes and I only see upvotes, so feel free to downvote me to oblivion - I’ll have no idea.
I sincerely doubt you could catch herpes or especially HIV from putting your mouth on this or smoking from it.
This reminded me that I’m due for a playthrough of Disco Elysium.
I worked at banks for most of my career and was engaged to the lead mortgage lender, and together we hosted quarterly free events for our community to show people how to get into homeownership. I suspect you’re lying in bad faith to try to scare people out of homeownership and push the agenda that Millennials and Gen Z can’t own a home. I encourage anyone reading this to do their own research and contact their bank’s mortgage team to determine if its feasible for them.
Over half of millennials are already homeowners, and I’d love to see that number go up.
PMI would be $1200 in your example, not $2500.
In what reality is PMI close to a rent payment? It doesn’t seem like you know what you’re talking about.
I think you’re dramatically overestimating how much it will add to a mortgage to use this strategy. For example, let’s look at a $250,000 home - the average for my area.
If you put 20% down, your payment will be $1242/mo plus Property Taxes. Certainly cheaper than rent, but most folks don’t have $50,000 sitting around.
So let’s say you put $0 down and roll $9000 closing costs into your mortgage. Your monthly payment will be $1,843 of which only $214 is PMI. Still cheaper than the average rent in my area.
Even if you’re buying a $1mil home with this strategy, the PMI would only be $850/mo. Where are you getting that PMI would be close to a mortgage payment?? You seem to be regurgitating bad faith advice that keeps people scared of homeownership when the reality is that it’s an excellent move for many folks.
Reach out to your bank. If they have nothing, call your local credit unions.
I went thru USDA for my first home and they had similar constraints. Talk with your bank’s mortgage lender. It’s possible that an FHA loan would do you better.
In the US, if you’re a first time homebuyer you can buy a home with zero cash in hand. You can roll closing costs into the mortgage and have no down-payment. You’ll pay more out of pocket for a few years but in many areas it’s still cheaper than rent - and rent just keeps going up while a mortgage stays the same. Many states also have free programs where you can take a class and they’ll give you a grant towards buying a home.
Credit unions tend to have the best rates. Get into a credit union even if it’s just a secondary account that you toss $5 into each paycheck.
Also, there are programs through Fannie Mae and Freddie Mac for first time homebuyers that prioritizes them over investors. This is the easiest way to get into homeownership but the houses are usually fixer uppers.
I know that. But is the flag actually implying that this is happening, or is the cartoonish depiction of the cat meant to be tongue in cheek?
I keep seeing this being shared, but I have no idea what it means. I know it’s similar to “Don’t tread on me”.
There will always be someone making more than you. The only person you should be competing against is yourself, to reach your goals in life. If your goals are to become a doctor, then go back to school and do it.
Don’t sleep on the potato soft taco.
Made my therapist cry today so I’m pretty sure I get a prize or something