31·
3 days ago#Writing prompt
Like JFC what a fiction concept! Oh wait you meant like to turn them on. I was imagining some loony toons shit.
Canaconda
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Joined 9 months ago
Cake day: July 10th, 2025
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1·4 days agoOh I missed the part about $100 buy in. That makes a bit more sense. But where are you getting the cash to pay out the investors? You buy the house and then every 4.4 days you’re on the hook to pay out $200 for 30 years. Where is that cash coming from?
Former mortgage broker here. This is basically a credit union, or a private lender.
Now I’ll explain why those exist, but your idea doesn’t exist.
Repayments are paid the $200 in return in a random time frame of between the first month to the last month 30 years later.
Every year that $200 loses 2.2% of it’s value. So you have to charge interest or else people would be signing up to lose money (buying power).
But that creates a new problem, who gets paid when?
Assuming 5.5% interest (low end of rates right now) and a 25 year amortization, the people who got paid out at year 1 would receive $207 while the people paid out at year 25 would get $788(~$450 of buying power though).
Than there’s the aspect of insurance. Your mandatory mortgage insurance covers the bank, not you. So now you need to find an insurer that can work with up to 2500 beneficiaries.
Or how bout when the bank forecloses for non payment?
It gets messy really fast and I’m just scratching the surface.
251·5 days agoCan’t fight millions of years of evolution
*Laughs in autistic internal monologue
The whole thing is a hypothetical so who knows?
https://en.wikipedia.org/wiki/Jonestown
Basically any reference to drinking koolaid is referencing a suicide cult.
Because reincarnation was proven they would advertize the suicide part instead of brainwashing them
Ya but this time the koolaid would be on the poster
Nah this problem goes way farther back than 2022.
I assumed it would get much better when my cohort of Gen X came through, same as young millennials think today.
TBF the same generation has been in power for 30-40 years now. If the torch had actually been passed it would be a different timeline.
You should take a break from the internet.
I was into Parkour back in the day (Any other geezers member UFF?) and spent a lot of time on a UK based forum. Chavs were definitely a thing.
Apoliticism is a privilege.
Its free on PS plus right now. Or was that last month? Either way I have way too much Thalassophobia for that game.
you can’t logically conclude that from solely your local weather fluctuations.
From a pure scientific method standpoint 100%
But changes local weather can easily be corroborated by satelite data of the polar vortex.
Like we can see that wind from the north pole is dipping south faster than it used to. Resulting in cold snaps as the wind rushes south and heat domes in regions between the jetstreams.
This directly results in the increasingly frequent and extreme weather fluctuations we’ve been been experiencing.
…
In my region we regularly have a “false spring” this time of year. We get a week of warm that melts the snow in the valley and then a week later it drops back down and snows again.
But lately the hi’s and low’s are 10c hotter/colder. The heat in between is so warm trees start coming out of hybernation. The cold snaps so fast that it threatens local agriculture.
We just got a foot of wet snow and tomorrow it’s supposed to br 15c and sunny.
…
Couple years ago we were stuck in the heat dome and you could see the polar vortex swooping 100km below us and to either side on the weather channel.
$139 USD ($189 CAD) was all it took for my cheap ass. That and I use an ancient thinkpad because nothing I do on my laptop requires a V10PC
Good to know. Lasted a year on some crappy amazon batteries so I think it’s turned off.
limit them to wifi range. Oh yea all realistic and logical things.
I was imaginging shooting people over dms