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Joined 1 year ago
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Cake day: July 7th, 2023

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  • 380k with a 30 year mortgage and something like $25k down. Amortization on 5.89% will show at the end of it, you’ll pay over 774k for it. Mortgage payment would be $2150. That’s after closing costs. Property insurance and property taxes about $700/mo. And I live in a high property tax area.

    Utilities aren’t included, but I haven’t seen many rentals that include utilities either. The house may be bigger and use more utilities though.

    The lowest rent in my area for 3 bedrooms is 2.2k/mo and that’s an outlier. Most are $2,700+/mo. If I were to pay the $2.7k for 30 years, that’s just shy of $1 million. And at $2200, it’s just shy of $800k in 30 years. That’s break even.

    This isn’t even addressing the instability of rental prices. My mortgage payment is locked in, at a fixed interest rate. If I were to rent, there is no guarantee that the rent i am paying today is the rent I’ll be paying in 5 years.

    Renters should be getting renters insurance too, so add that to the renters side.

    Yea, I will have home repairs I’ll need to pay for. But I’ll also have equity that I can leverage for them if I need to. I’d have to put in $200k in the course of 30 years to match what a renter in my area would be spending. And that’s just repairs, if I were to spend on renovations and/or additions than it would raise the property value.

    As for capital gains, that’s only when I sell, but if I have to pay taxes because I made money. Well, then I made money instead of… Only spent money?

    If the house doesn’t appreciate and only holds it’s value, it’s an asset that protects against inflation.





  • That. Doesn’t. Work.

    Full stop.

    Let’s say for a moment that progressives and Democrats did that for whatever issue they personally felt strongly about.

    First, we have to acknowledge that the Republicans ARE NOT doing that. So they’re vote count doesn’t change and they win

    Second, people will disagree on the same issue. You can’t capture everyone on every issue. Refer to the first point, Republicans win.

    Third, there will be huge factions each with their own issue. A candidate cannot sway all these single issues groups. See the first point, Republicans win.

    What first past the post representative democracy means is to vote for the viable politician that MOST ALIGNS with your political position. Not the one that EXACTLY aligns. If you build the third parties at the local and representative and Senate level. Maybe you can get there, but for now, this is the political system we have to work in.





  • Voting doesn’t mean you support them.

    You aren’t giving them money, you aren’t campaigning for them. You are saying that between these two, admittedly fucked up, parties this is the one you think that will be better.

    So for the presidential election, vote to reduce harm - not to increase it.

    If you want to do better, support, fund, campaign for third parties down line. Local elections and build the momentum until they become a viable presidential candidate. Work to reform the electoral system that can dismantle the two party system.

    But don’t think voting for Harris is de facto supporting the Democratic party.



  • The problem, as I see it, is that there is literally no chance for a third party to win the presidency.

    Which means that I have three options:

    • Vote Trump. Someone who has called for more violence.
    • Vote Harris. Whether I’m happy with her or the Democratic party or not. Try and mitigate as much killing and harm as I am able to. Actively try to prevent things from getting worse.
    • Vote third party/Don’t vote. Either Trump or Harris will win, and I can claim my conscious is clear. If Trump wins, I will have not done what little I could have to lessen the evil. I have to be okay with someone who is far worse getting into power

    We can’t solve the genocide by voting third party. All we can do, all that the little power granted to us can do, is try and prevent it from getting worse. So if you want to prevent as much killing as you actually can, if you want to give the most people the opportunity to live, then morally as I see it, you need to vote Harris.

    Is she perfect? No. Hell no, man. But she is the candidate that with this genocide happening, and it is happening regardless of who is getting in, who will give the most Palestinians a chance to live. A third party candidate isn’t making it to the White house so a third party candidate can NOT lessen the harm.


  • Failing to save someone’s life, implies they made decisions in an attempt to save the life. That they tried, and were unsuccessful.

    But in this case, they made decisions which directly prevented Micah from receiving the tests that would have given them the opportunity to save his life.

    The decision, and action, to dissuade Micah’s mother from seeking further medical care directly lead to his death. The decision, and action, to discharge him without adequate testing directly lead to his death.

    The ER team on the third visit sounds to have tried and failed to save his life, even the decision to wait for blood thinners until more thorough testing was likely correct since they were most likely unaware of the risk of the formation of blood clots in the child.

    The primary care doctor and the first ER team negligently made a series of decisions and actions that allowed a child to have an illness go undetected until it became fatal. They had the training and knowledge to know how serious the symptoms reported were and that the child’s recovery was not in line with the illness they had initially diagnosed him. They may have had procedures they didn’t follow which if they had would have prevented Micah death. If those are identified, then yes, I would say they caused his death through inaction.

    Does it rise to criminality? No. But it’s likely malpractice.






  • IMO, they should go through the entire training and then a day or two of doing at least one of the top 3 employed jobs at the company.

    Whether that’s stocker, cashier, or whatever.

    No one should know they are corporate, but I’ve trained new manager for my stores before when I worked retail. Truthfully, they are just people trying to get through the day. It didn’t matter they were my bosses they got trained and treated literally the exact same as any of my other trainees.

    It’s not larping, it’s not PR, it’s literally just understanding core areas of the business so that any decisions they make they have context on what it will actually impact. As management, I’ve specifically gone out of my way to sit and shadow people so that I can understand their job and try and identify challenges they face. And if it was within my power or knowledge to explore a solution I would.