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Acebuckeye13 posted:The history of humanity is developing agriculture, realizing it sucks, and desperately trying to find ways to either make it easier and/or find a way to survive doing literally anything else. It's easy to romanticize being a farmer or living in a rural area but there are some very harsh realities to that lifestyle that make it vastly unappealing to the vast majority of people. Which is why most people don't live in rural areas! Oh absolutely. But I still dream of having a garden where I can grow some fruits and veggies. Just as a side hobby. I dream of having a house with a nice decenr sized garden with tomatoes, cucumbers, carrots, and some berries.
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Jun 23, 2024 03:01
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Gardening is nice. Have you considered a neighborhood garden? It's very good with life, and good with money since you're basically sharing resources on a shared project across a whole neighborhood!
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Jun 23, 2024 03:19
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Platystemon posted:Point of order: what? can't believe i'm getting 'well acktshullayed' by someone telling me 54.8% doesn't quality as "most", lol
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Jun 23, 2024 03:47
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5 points over half != Most in pretty much every category other than splitting hairs.
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Jun 23, 2024 11:22
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There's probably never been a better time to take a crack at small scale gardening like if you live in an apartment or something. It's not quite the same but man you can torture the poo poo out of some plants now and get surprising yields in tiny, tiny places
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Jun 23, 2024 11:28
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pseudosavior posted:5 points over half != Most in pretty much every category other than splitting hairs. More than half is literally the definition of most. Why are some people so fixated on arguing otherwise?
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Jun 23, 2024 11:46
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50.000000000001% of sharks are smooth as silk.
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Jun 23, 2024 13:41
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Does 100% minus 49.999
repeating percent comprise a majority?
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Jun 23, 2024 13:46
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Jun 23, 2024 13:49
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Platystemon posted:Does 100% minus 49.999 repeating percent comprise a majority? No, because "49.999 repeating percent" is the same thing as 50%
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Jun 23, 2024 13:50
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OddObserver posted:No, because "49.999 repeating percent" is the same thing as 50% It's 50%, with the implied admission that it's not reeeeeeally 50%.
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Jun 23, 2024 13:53
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Kazinsal posted:It's 50%, with the implied admission that it's not reeeeeeally 50%. Nope. Just like 0.9 repeating is equal to one, 49.9 repeating is fifty. There is no difference. They are strictly equal.
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Jun 23, 2024 14:01
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Platystemon posted:Does 100% minus 49.999 repeating percent comprise a majority? In the scenario we're talking about, 55% of homeowners placed against 45% of non-homeowners is a spread of 10%. When placed in real numbers, that's 7.3 million more people (about the population of the state of Arizona) that own a home in the millenial cohort than don't.
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Jun 23, 2024 14:01
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Jun 23, 2024 14:19
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psydude posted:More than half is literally the definition of most. Why are some people so fixated on arguing otherwise? Because when used in the context of the article about home ownership, using the word most gives a different implication on the situation than saying something like, "just over 50%."
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Jun 23, 2024 16:26
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This seems like a weird molehill to die on just because you feel uncomfortable conceding that most millennials own homes.
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Jun 23, 2024 16:57
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Most of you are nerds.
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Jun 23, 2024 18:02
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https://www.sciencedaily.com/releas...20of%20objects.
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Jun 23, 2024 18:04
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I feel like this belongs in the same category as the English Language Adjective Order.
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Jun 23, 2024 18:31
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Only slightly over half of Americans in their 40s or younger own a home. There.
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Jun 23, 2024 19:15
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How many actually own those homes completely vs. are still paying off mortgages?
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Jun 23, 2024 19:41
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quote:Before democracy, we had feudal lords, kings and tribes, and the notion of "most" referred to who had the lion's share of a given resource -- 40%, 30% or even 20%," she explains. Were going to need recursive papers here.
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Jun 23, 2024 19:49
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Quackles posted:How many actually own those homes completely vs. are still paying off mortgages?
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Jun 23, 2024 19:53
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Cugel the Clever posted:Given that 30-year mortgages are the norm, I don't imagine many millennials have paid things off, but that number would only be interesting in relation to the numbers of previous age cohorts during the same periods in their lives. Yeah. And I know you can't really get fixed-rate mortgages any more so more millennials are stuck with variable-rate, so there's a potential for more to lose those houses at some point.
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Jun 23, 2024 20:00
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Milo and POTUS posted:What's that little salad I guess on the side? It's just the leftover tomato, diced with some olive oil, salt, balsamic, and herbs.
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Jun 23, 2024 20:11
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Quackles posted:Yeah. And I know you can't really get fixed-rate mortgages any more so more millennials are stuck with variable-rate, so there's a potential for more to lose those houses at some point.
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Jun 23, 2024 20:35
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Cugel the Clever posted:Hmm, do you have data on that? I'm not turning up anything with a quick search, but my understanding has been that 30-years remain absolutely dominant. According to this article, 89% of mortgage applications in 2022 were for 30 year fixed-rate mortgages (I'd say that qualifies as "most" by the standards of this thread). And given that the interest rate for ARMs is higher than the 30 year rate due to bond yields, I suspect the number is even higher now. Maybe the OP lives in Canada or the UK, where fixed rate mortgages are rare.
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Jun 23, 2024 20:45
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Quackles posted:Yeah. And I know you can't really get fixed-rate mortgages any more so more millennials are stuck with variable-rate, so there's a potential for more to lose those houses at some point. ??? I'm a millennial closing on my first house after renting for years and variable rates weren't even an option being offered by the loan vendors I was talking to. It was all 30 year fixed or VA loans for the most part. Although the one I eventually went with was like 'look, we know you and everyone else is planning to refinance the moment rates go back down, so as long as you make the first seven monthly payments on time we'll give you a one time deal to refinance with us whenever you want in the future with all fees waived, just so you don't jump to someone else.' This is in the DC market so maybe things are different elsewhere in the country, the housing and rental market is not quite California crazy here but close.
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Jun 23, 2024 20:54
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Quackles posted:How many actually own those homes completely vs. are still paying off mortgages? You do actually own your home in the literal and legal sense of the word even if you have a mortgage on it. A lien is not ownership and at least in the US almost definitionally excludes use of the encumbered asset. Or is this one of those "you never really own a home because of property taxes" things?
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Jun 23, 2024 21:01
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Quackles posted:How many actually own those homes completely vs. are still paying off mortgages? https://www.forbes.com/sites/brendarichardson/2019/07/26/nearly-40-of-homes-in-the-us-are-free-and-clear-of-a-mortgage/ 15.9% for millennials. I'd imagine a lot of those are people who inherited their houses, or otherwise had substantial help from their older family members.
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Jun 23, 2024 21:08
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poo poo. Here I thought something happened.
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Jun 23, 2024 21:53
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Elviscat posted:https://www.forbes.com/sites/brendarichardson/2019/07/26/nearly-40-of-homes-in-the-us-are-free-and-clear-of-a-mortgage/ Or millenials that happened to be right place and right time to get something cheap during the recession and then sell that to get what they really wanted 6 or 7 years ago. Not a lot of them, but definitely older millenials and I know a couple.
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Jun 23, 2024 22:10
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MonkeyFit posted:Or millenials that happened to be right place and right time to get something cheap during the recession and then sell that to get what they really wanted 6 or 7 years ago. Not a lot of them, but definitely older millenials and I know a couple. Ah, unlike me, the dumb older millennial who bought just before the recession and got turbofucked in their 20s.
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Jun 23, 2024 22:25
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psydude posted:Maybe the OP lives in Canada or the UK, where fixed rate mortgages are rare. Feels vaguely like one of those non-factual data points one might get from left-presenting streamers pushing outrage porn about how the American economy is in a recession and Biden is destroying working Americans 
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Jun 23, 2024 22:26
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Cugel the Clever posted:Totally, though, even there, I'm not aware that this has seen any novel trend among Millennials that would fit the original characterization of a novel situation. If you like left-presenting streamers pushing outrage porn about how the American economy is in a recession and Biden is destroying working Americans so much name three of their albums
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Jun 23, 2024 22:51
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MonkeyFit posted:Or millenials that happened to be right place and right time to get something cheap during the recession and then sell that to get what they really wanted 6 or 7 years ago. Not a lot of them, but definitely older millenials and I know a couple. We are one of those lucky people. Timing worked out to close a month before the first time homebuyer tax credit expired, lived there for quite a while, then moved to a much bigger one just down the street five years ago. When rates tanked during the pandemic we refinanced for a silly low rate so timing has very much worked out for us.
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Jun 23, 2024 23:11
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AreWeDrunkYet posted:You do actually own your home in the literal and legal sense of the word even if you have a mortgage on it. A lien is not ownership and at least in the US almost definitionally excludes use of the encumbered asset. If Quackles is british that might explain things. Some places have very different ideas of what home ownership is, and in a lot of places what they call ownership we'd just call a long term lease.
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Jun 23, 2024 23:48
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I should've bought a house four or five years ago but the timing was never right and we didn't know where I'd end up for a job so we didn't know even where to buy. So now we're renting a good apartment at a decent price but we're completely stuck with no options for buying a house with prices out of control and interest rates at ridiculous levels so our mortgage would be $fuckinsane level. All that plus my wife and I make poo poo money for our area.
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Jun 24, 2024 00:09
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On the one hand, I should have bought a house in 2018 when I moved to BFE, California for a new project. However it was supposed to be 2 years, not 5. And who could have foreseen the whole pandemic thing. On the other hand, the entire time I was paying $650/mo for a 2bed/1 bath mother-in-law unit while receiving a $1,000/mo living allowance (and living frugally otherwise cause, like, I'm in BFE and hiking or hooning on a friend's jetski on the lake is free) so its not as if I didn't come out ahead.
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Jun 24, 2024 00:21
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Soul Dentist posted:If you like left-presenting streamers pushing outrage porn about how the American economy is in a recession and Biden is destroying working Americans so much name three of their albums Good Old-Time Working From Home Blues, 50 Ways To Leave Your Mask Off, and The Sound of Silent Inflation
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Jun 24, 2024 00:25
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