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Seeing highlights from the Dayton Air Show this weekend, I've seen a couple videos of the US Air Force Band of Flight having to perform in their jungle cammies and combat boots. It was pushing 100° yesterday. Is that really loving necessary? Like, does some senior NCO or somebody somewhere get a promotion for getting his trombone player heat stroke? 
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Jun 24, 2024 00:25
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CBJSprague24 posted:Seeing highlights from the Dayton Air Show this weekend, I've seen a couple videos of the US Air Force Band of Flight having to perform in their jungle cammies and combat boots. They were playing an NSync ditty when they started up on Saturday morning. That was a weird moment on several levels.
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Jun 24, 2024 00:36
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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 King Dynasty: Rich Gods Saga: The Money Continues
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Jun 24, 2024 00:37
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Bored As gently caress posted: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. That's where I am. I was transient for so long that I never got a house because I knew I'd be leaving the areas within a year or two. Finally found a spot I want to settle, and instead I'm renting a house for about $1900 a month because buying the same house would have a mortgage payment of probably 3k+ per month. Not to mention all the other expenses associated with hone ownership.
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Jun 24, 2024 00:54
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Bored As gently caress posted: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. I got really lucky and did, I'm stuck in a shitbox house an hour away from work, but my coworkers are paying half-again my mortgage payment for shitbox 1 and 2 bedroom apartments so....
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Jun 24, 2024 01:04
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Elviscat posted:I got really lucky and did, I'm stuck in a shitbox house an hour away from work, but my coworkers are paying half-again my mortgage payment for shitbox 1 and 2 bedroom apartments so.... So I was approached about some orders but they are long term. How the gently caress is the military expecting me to sell my house to move to Hawaii for a year in this economy? Attempting to geobachelor for them and see how bad they want a lovely sailor.
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Jun 24, 2024 01:10
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Crab Dad posted:So I was approached about some orders but they are long term. How the gently caress is the military expecting me to sell my house to move to Hawaii for a year in this economy? shouldnt you be able to get a base house as a chief select 
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Jun 24, 2024 01:11
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I also am in the "thought I was being responsible given potential job instability/need for mobility but was actually just making it harder for myself" club. Graduating college directly into the Great Recession has left me very jumpy about massive financial commitments. I am renting a house that would probably sell for $500K. My neighbor bought less than 10 years ago at half that and, I assume, is locked in at 2-3%. Quoth DJ Khaled, congratulations, I played myself.
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Jun 24, 2024 01:19
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Crab Dad posted:So I was approached about some orders but they are long term. How the gently caress is the military expecting me to sell my house to move to Hawaii for a year in this economy? Well, selling should be easy right now, uprooting your whole life/family for a year sounds a lot less reasonable. Geobaching is the right move, if they offer it to you. E: commuting to South Seattle on top of working 12+ hours a day is killing me, but I can't give up my 3.9% APR mortgage 
Elviscat fucked around with this message at 01:23 on Jun 24, 2024 |
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Jun 24, 2024 01:20
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I got lucky and took over a VA loan at a very nice rate in a decent neighborhood. Years ago when I moved to Boulder I had the idea of using my VA housing payments to buy a house, but found out that they don't include BAH payments as income. This was in 2011 where the housing market hadn't completely recovered. For some reason I just took no for an answer, rather than figuring out something with friends and family. If I would've made that purchase I'd easily be a millionaire now
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Jun 24, 2024 01:23
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growing up in the middle of the great recession did a number on "wanting to commit to huge things", same with cars. it's hard to want to commit to anything that can destroy you when the only thing you've seen for your peers is constant job hopping, financial anxiety, layoffs. Discussion Quorum posted:I also am in the "thought I was being responsible given potential job instability/need for mobility but was actually just making it harder for myself" club. Graduating college directly into the Great Recession has left me very jumpy about massive financial commitments. we went from renting an apartment at 1250/mo, to 2000/mo; moving up to the pnw and staying in someone's house for about that same price. after we moved out, the owner did sell it, for over $500K. sure helps when you get it from an inheritance.
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Jun 24, 2024 01:34
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Quackles posted:Yeah. And I know you can't really get fixed-rate mortgages any more. Wait, when the heck did that happen? 
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Jun 24, 2024 01:37
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psydude posted:Maybe the OP lives in Canada or the UK, where fixed rate mortgages are rare. Yep, I'm in Canada. E: I'm told fixed-rate went away here some time in the last 10-15 years (i.e. after the crash of 2008), but I don't remember the details.
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Jun 24, 2024 01:42
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Discussion Quorum posted:I also am in the "thought I was being responsible given potential job instability/need for mobility but was actually just making it harder for myself" club. Graduating college directly into the Great Recession has left me very jumpy about massive financial commitments. Same. I have so much anxiety about moving and buying a house. My wife wants us to move to a nicer apartment or a house but I don't think our finances could afford a mortgage even if we found a decent house in a decent neighborhood (unlikely) and even if interest rates were decent. I just feel like she has an unrealistic expectation of owning a house at some point because we're married now. But the finances aren't there. I feel like the only way I'll ever own a house is to inherit my mom's place when she goes.
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Jun 24, 2024 03:40
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The real trick is to luck into a West Coast computer toucher career, but then be so bad with life that you never actually have a compelling reason to rent/buy anything more than an 800 sqft apartment you share with your cat 
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Jun 24, 2024 03:48
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I lucked into a unionized computer touching gig. The downside is that even a lovely condo in the far suburbs of Vancouver is $900-1000/sqft. I expect I'll finally be able to buy a house around the time I retire, because all my older relatives will have died by then and I don't have any siblings to split inheritances with.
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Jun 24, 2024 03:52
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Purely an anecdote, but my neighborhood that is relatively new construction (eg last ~10 years mostly) has in the last 3 years almost completely turned over from being filled with seniors to being probably 60% couples in their 30s with kids. In retrospect it's kind of wild how quickly that changed. When I moved here I was the only under 40 person with tattoos in my neighborhood and now it's just, like, a normal neighborhood.
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Jun 24, 2024 10:36
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Quackles posted:Yep, I'm in Canada. Nope, fixed-rate mortgages are still very common in Canada.
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Jun 24, 2024 11:00
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If someone tells you you are better off with an adjustable rate mortgage it’s time to find a different lender.
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Jun 24, 2024 11:01
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M_Gargantua posted:If someone tells you you are better off with an adjustable rate mortgage it’s time to find a different lender. They tend to have a bad rap as the primary vehicle for issuing sub-prime mortgages in the early 2000s, but there's nothing inherently wrong with them as long as you understand the risks and have a good exit strategy to refinance. There have been times when ARMs have had substantially better interest rates than 30 year fixed mortgages (like the early 2010s), but it hasn't been the case recently with the yield curve for treasuries being inverted.
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Jun 24, 2024 12:27
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The risks of an ARM in this economy are pretty clear. And if you have one and the bubble bursts there goes your exit strategy
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Jun 24, 2024 13:17
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Eh... We just got a one-year mortgage on a property and the math was definitely in favour of an ARM given the range of plausible interest rates over that time period, and the amount that it was discounted from the fixed rate. There would definitely be some risk if rates went up more than 2% over the next year, but as you say the risks of that in this economy are pretty clear.
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Jun 24, 2024 13:24
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M_Gargantua posted:The risks of an ARM in this economy are pretty clear. And if you have one and the bubble bursts there goes your exit strategy Not sure what you're getting at. On a 5/1 ARM, the rate is locked for 5 years, during which time the interest rates will likely decrease (hence the inverted yield curve). As long as you refinance into another ARM or a fixed-rate mortgage in that time you're fine. Refinancing within a 5 year window is pretty common; particularly now that 30 year rates are so high, most folks will almost certainly refinance within the next 5 years. If you're talking about a housing bubble (which seems unlikely), then you'd be just as screwed with an under-water 30 year fixed. You'd be stuck paying today's interest rates with a house worth less than the mortgage and unable to refinance into something lower when the Fed inevitably lowers rates in response to the housing market tanking. psydude fucked around with this message at 13:45 on Jun 24, 2024 |
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Jun 24, 2024 13:37
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My wife and I bought in 2019 with a five percent down payment, and then refinanced a year later for 2.85. We got supremely lucky. They're also planning on building the future FBI headquarters nearby*. So if that actually comes to pass, lol, lmao. *Currently being contested by Virginia reps and senators as well as the GOP because they demand all future Fed buildings be in Virginia. I think it'll still happen but still very 
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Jun 24, 2024 15:55
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In Minnesota, apparently there's a levee system downriver that should be able to hold this water, but in the meantime, things don't exactly look great for this dam! https://x.com/Seth_Kaplan/status/1805279095585980496?t=6528cW1qxqfGZb7oXYxErQ&s=19
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Jun 24, 2024 18:02
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Subjunctive posted:Nope, fixed-rate mortgages are still very common in Canada. E: Upon inspection, it appears my local credit union offers up to 10-year fixed mortgage offerings, but no fixed 30-year enchilada.
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Jun 24, 2024 18:03
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that dam is "about to fail" in the same way the lunch I had two hours ago is "about to be eaten"
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Jun 24, 2024 19:57
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It sounds like you both need some Pepto
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Jun 24, 2024 20:15
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shame on an IGA posted:that dam is "about to fail" in the same way the lunch I had two hours ago is "about to be eaten" That’s the emergency spillway, the dam itself is still there but probably being undermined by all that water…
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Jun 24, 2024 20:18
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Yes that spillway is definitely undergoing an emergency 
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Jun 24, 2024 20:28
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A maintenance crew unbolted 3 legs of a transmission tower at once, toppling it and causing rolling blackouts to the region north of Auckland.
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Jun 24, 2024 23:59
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quote:"Our view is that the specifications in procedures for this type of work were not followed. All the nuts securing the tower to the base plate on three legs have been removed, which caused the tower to lift off the base plate and fall. you could even say it was a bit nutty 
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Jun 25, 2024 00:06
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Someone's getting fired.
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Jun 25, 2024 00:08
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Looks like Julio Assflange is going to cop a plea to avoid US jail time and get sent back to Australia instead: https://www.cnn.com/2024/06/24/politics/julian-assange-plea-deal-biden-administration/index.html
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Jun 25, 2024 00:36
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Israel's Supreme Court just ruled that the IDF must begin drafting ultra-orthodox Jews who historically have been given exemptions, on the grounds that the government has no legal basis to classify religious scholarship as a form of national service equivalent to conscription. This looks like it could completely split Bibi's coalition. The haredi parties have introduced legislation to reverse this ruling but some of the secular right wing parties in the coalition support the ruling and intend to oppose the introduced legislation. Archive link to the NYT article. https://archive.is/0zWoU
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Jun 25, 2024 16:49
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Midjack posted:Looks like Julio Assflange is going to cop a plea to avoid US jail time and get sent back to Australia instead: https://www.cnn.com/2024/06/24/politics/julian-assange-plea-deal-biden-administration/index.html BREAKING: Julian Assange to be sent to hellhole prison colony.
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Jun 25, 2024 17:12
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Jaguars! posted:A maintenance crew unbolted 3 legs of a transmission tower at once, toppling it and causing rolling blackouts to the region north of Auckland. This so completely and utterly tracks that I'm surprised it doesn't happen more often. I dunno about the NZ electrician/lineman scene but I've seen beyond hinky poo poo done here in the US all the time for similar reasons. The leadership sets the expectation and the workers are expected to meet or exceed that expectation in spite of the safety rules. And if you think the IBEW is there to take your side, 
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Jun 25, 2024 17:27
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Gonna crosspost something I dropped in the Germany-thread, thought about translating all the "Denglish" in the post, but figured I'd leave in the knee-knockers for some light entertainment (because you fellow degenerates love German) while reading something as horrible as this so you don't have to feel as horrible as I did. (I've added some pertinent translations for the important parts, please still feel horrible about this and gently caress the church in general) Duzzy Funlop posted:Double-post, because I'm pissed off:
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Jun 25, 2024 17:56
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he's probably still a priest huh
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Jun 25, 2024 18:06
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orange juche posted:he's probably still a priest huh His sentence was 18 months... ...on probation
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Jun 25, 2024 18:10
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