This is amazing

Argue all you want. I gave you real numbers. That was my quote without a down payment.

We live in very different places. Multiply most of those numbers by about 6 and you have my area. I’m not exaggerating - 3 bedroom attached house of 1.5million, mortgage of 6.5k, PMI of $2500. Average rent is 2-3k for a 1 bedroom.

I’ve lived it. If your average home is $250k, your situation is nothing like mine or half the country that lives in cities. Your advice only applies to rural areas with extremely low cost of living.

People don’t do this because it’s not a good idea for almost everyone. If you don’t put money down, your monthly payment will be astronomical, and THEN you will have to pay PMI on top of that (which isn’t applied to the mortgage OR interest) until you hit 20% paid. That money is thrown away and depending on where you live, it can be close to a rent payment on its own, without the actual mortgage payment. If you can afford a massive mortgage with PMI, you can afford to save a down payment. The only time I would do what you suggest is if my income was way more than rent and I was in a rush to move into a house.

Fannie and Freddie are legit, use them!

I find it very tasty, however, I think hot sauce is adding more moisture to a food that’s already pretty wet. I prefer red pepper flakes to balance this out. But she should do what she wants

Lol yeah the geometry of the noses would pack tighter. However, you could get a situation where you can’t get out because the noses are all angles in towards each other

First!

It’s only tea if it’s made from the tea region of the plant. Anything else is sparkling suspension

I think the branding as a “repair” is meant to mislead uninformed users but I am totally with you, I would LOVE to get a list of settings that are going to change after an update so I can approve them. I can’t tell you how many times a random update reverts something I set up ages ago when I installed windows. Most of the time I may not notice the setting change for a while, until one day a feature doesn’t work as I expect it to.

I grew up in New York City, called the same car service from my neighborhood wherever I was to get home. The main problem is the suburbs, I agree.

I disagree with this. Uber and Lyft just did it at scale. My local car service can make a website with payment processing without knowing any coding. They don’t need a full service app with a global presence. It’s not trivial but totally doable.

Am I crazy or is everyone just describing car service? Lots of major cities have private storefronts with a group of drivers and a single person that answers the phones.

The only thing those businesses were ever missing was a good online presence and/or a smartphone app.

Burger King: Sneak King. Hilarious and entertaining. Surprisingly well made

What are you on about? The way lead gets into drinking water is from corroded lead pipes and fittings. Maybe your city didn’t have high enough lead levels to be harmful but that doesn’t mean lead pipes are harmless.