This is why after 2 good faith attempts, I just report them to the government. It turns out when you report a car insurance company to the state regulatory body, you suddenly know how to contact you. Nope, to bad. Deal with the government. Felt sweet to get a check in the mail from the IRS after resolution.
That was the most recent time, but I've done it a couple of times. I do everything digitally, so it's always easy to prove my case.
I'm American and I take 30 days of PTO a year. I get paid the national median for pay, but that still puts me in the top 10% of _household_ incomes for my state. I have good healthcare and benefits. Hell, I got sick last year and took 2 months off from work paid because my company has the policies to cover that and then I came back and it was fine.
Like, I find SV culture and living to be a cancer, but I'm just saying as someone who doesn't live in a top 10 city in the US with a MCOL, I struggle to think of how working as a software engineer in the EU would be better.
It's been over 10 years since that 2 weeks PTO nonsense applied to tech. I don't even have a fancy job. I work for a bank.
My child is a level 1. It has cost me thousands and thousands of dollars to get her help because no one wants to give her resources because she's so high functioning. So high functioning! Yes my child who has random panic attacks and bolts in random directions. My kid who had a meltdown because I forgot to tell a friend that if she goes to one particular park, they have to get ice cream. My kid who is 7 and was suicidal from the social isolation that's starting up. And now that she's self-harming, now people want to give help! But not for the under lying issues. She's so high functioning (aka female and coping decently). She doesn't need pragmatic language help or social help or any of that stuff. Her spiraling is just purely chemical imbalance. Here's some pills.
My kid is truly high functioning. Only professionals tag her immediately. For everyone else it takes some long term intimate interaction to realize something is wrong. Any autistic adult who says this is great is coping. I have talked to too many high functioning autistic women and there only seem to be two camp: lots of mental health issues with possible commitments or intense treatment that their parents poured so much money into. And never of those is okay or what I'd wish on a kid. I didn't even know it was possible for a 7 year old to be suicidal without a major life event and apparently this is just a thing with some high functioning autistic kids. This is not okay.
I'm dx'd level 2. I was diagnosed until later. It's hard to be an autistic kid, full stop. Nothing but empathy for you and your daughter.
If it's any consolation, childhood years can be very tough around that age for autistic kids, but many of us find significant communities once we get online and around other autistic people our own age. Many of us go on to be very successful and happy adults once we find our niche.
The question becomes how long do I have to drive? I feel like your idea only works in a city. Target stopped carrying a soap that worked for my kid and that was it for options as far as stores with specialty soaps that aren't abour perfumes and scents. After that, it's scouring Facebook for a local person who makes it and hoping they decide to keep their hobby going (the ine I found didn't ). Then I'm back to Amazon.
That's assuming I can find a local person or shop. Sometimes I luck up like I found a guy who sharpens basically everything with a blade. I found a tailor who is willing to make fulfill these insane request I have like create me a set of mini-crab sheets made from bamboo. But then, I can't anyone who sells a safety can opener or a jar opener that actually works well (most are crap). Toys feel impossible if you don't want plastic crap. So on, so on. Buying local is a really hard when you're in a small town. I think 100K or more is the sweet spot where it's probably possible.
Yes, you'll fail to find some things locally and have to order it online. The key is not to go to Amazon first, because then you're guaranteed not to find the local alternatives.
So many people (hard-core gamers) thought the switch would be DOA when it was announced. Nintendo just doesn't target those. I assume the same here. People also thought no one would be interested in the steam deck either. You know, because it was just a slightly better switch. People really don't understand how small the hard-core competitive gamer market is. Literally no one I know plays competitive online games and we all spend hundreds of dollars on steam a year. Valve is targeting us.
I don't buy consoles because I have been a PC gamer for over a decaded. But you know, I'm a parent now. And I want couch gaming with my family. That's the use case for me my family. I got mu child a steam deck (I have one too). A steam deck is a terrible idea for an elementary schooler. It has to stay docked now because she's already broken parts of it.
But even docked, it's a winner for her and all her friends. She's converting more parents over via her friends. The well off ones are just buying from Valve like me. The less so, are using whatever PC is around to mixed results. I'll see how it goes as the kids get older, but I think there's a bigger case than you think and I think it's mostly years long PC gamers who want a more communal experience be it with partners, kids, or friends.
The problem is that these things often don't manifest. There's a massive data centers near me. Supposedly we're supposed to get all this blah blah blah. Well, the data center "accidentally" didn't pay for several months of water to the point where the local cost of water went up what what they thought was a shortfall until they realized nope, we were just stolen from. And no way could we fine them for this total accident of not paying their massive water bill for several months. They're put business partners. Somehow.
Also, I've had more black outs since the data center has been active than I've ever experienced. I'm sure these things are unrelated. Along with the increased cost of electricity. And I'm on the other side of town from the data center. The locals nearby complain about more.
I still don't know what supposed benefit I got from it being here. We already had a well funded government before the data center was here.
I think this situation is why many are so anti-data center. The city gets the cash from the land sell and they get some temporary industry from the construction and then it's just a drain on the area.
Everyone talks about MLK, but no one points out that people were willing to listen because Malcom X was a looming threat if MLK failed. Yes vote, but the threat of violence is what makes voting a delighted option. That's why protests exist. They are reminders that peace is a choice.
Violent revolution has merit when peaceful means break down. The rise of the guillotine jokes are the first time that people are losing faith in the peaceful option. We should hope that our leaders don't make most of use disillusioned with the idea of a peaceful transfer of power.
It is one of the most eye opening pieces of media. Especially the French and Russian Revolutions are covered in such great detail, while staying interesting. I also loved the appendix to the show where Mike talked about "patterns" in a revolution. Learned a lot about the relationship between the government and its people.
Yeah, for me, Revolutions and The History of Rome are two of the best examples of "this is why knowing history is useful", and that history isn't actually boring - it's basically a highlight reel of some of the highest human dramas. Mike Duncan put out some incredible work.
It's never been a good way to get things done, but when you block off every other venue for change people will be much more willing to take a chance on a high risk option. Violent revolutions aren't usually the first thing people try.
Democracies that arise by nonviolent revolution, do so in part due to the threat of what comes next if the nonviolent revolution is crushed. Because if you make sure placards and petitions don't work, it eventually won't be placards and petitions anymore.
'Those who make peaceful revolution impossible, will make violent revolution inevitable', and all that.
Yeah, I get that it's a useful threat to back up the nonviolent options. I just don't think Americans have tried the nonviolent options wrt economics with any amount of real effort yet, and it's worrying/annoying to see people jumping to the nuclear option as soon as they personally hit a rough patch or start getting scared of one.
When I've gone to local government meetings, I've generally been one of only a few without gray hair. The vast majority of working-age people seemingly can't be bothered to learn the basics about who's running in a non-presidential election, let alone go argue for the boring but extremely impactful things that would actually help people out.
People need to put down the phones and put in some actual effort on fixing things before even jokingly advocating for something that would almost certainly be a mass casualty event. It's shameful.
Everyone remembers Malcolm X, but does anyone remember the names of the thousands of civilians who protested the Iranian regime and got summarily executed?
Resistance doesn't work very well against highly militarized autocratic regimes.
The UK didn't just repress its citizens, it ultimately caved to them. The voting reforms of the 19th century gave people essentially everything they wanted, at the time, and as a consequence when the rest of europe was going thru 1848 Britain was chilling. But just a few years beforehand there was legitimate fear that the government would be toppled by rioters! You can't judge centuries of history just by looking at the end result.
[EDIT: for the downvoters - the folks who got guillotined in France were definitely bad, but the Terror was very real and very awful. It tends to be a trend with the noble overthrowers that after the initial wins they then get excited to go lop the heads off anyone else that might have ever bothered them. Be careful what you wish for.]
A house is an inflation hedge. Any calculation about investing the difference has to subtract the rent you are paying and rent goes up every year. There is no where where you can pay a rent anywhere close to what I'm paying for my mortgage in my area and I'm only 5 years into this. Of course I lucked out by locking in that sweet sub-3% rate, but still, I find it hard to believe that over time if you took the money you'd put into a house and subtracted out rent, you'd end up winning in the long term.
A house in a long term play. I didn't buy until I know where I wanted to anchor. That's the deal. I didn't want to be in a situation where late age destitution came because I couldn't afford where I wanted to live anymore. I got to see that play out with older relatives who did go the rent only route. Course I have to pay property taxes, but as it stands it's less than $200/mo and I don't imagine it'll rise above that taking inflation into account. That is something I can afford in retirement even on social security.
There is maintenance, but living in a neighborhood full of elders, a lot of it is truly optional. And honestly I think the only maintenance I've paid thus fair is the yard only because I don't want to do it myself. For me financially this is a hell of a deal with the only trade off that I must stay here. And... I'm settled enough that I'm willing to do that. I moved all over in my early career to find where I wanted to be.
> I find it hard to believe that over time if you took the money you'd put into a house and subtracted out rent, you'd end up winning in the long term.
You are not alone. The thing is this is such a common argument that there are a zillion rent vs buy calculators [1].
That said, yeah sub 3% the math often does work out in terms of buy (assuming you don't sell before 7 years which the average person _does_ sell before). But sub3% and holding for 30 years is actually rare.
It basically comes down to that the down payment gives renters such a headstart in gains that the homeowner takes forever to overcome it. But keep in mind they're also comparing a similar rental house to the bought house. So If you'd rent a smaller 1 bedroom apartment but only going to buy a 4 bedroom house then you're really behind in the math.
The problem I have with buy vs rent calculators is that the speculative questions often end up dominating the decision. How much will rent go up in the place you rent? Nobody knows. How much will the value of the property appreciate during the period you own it. Again, this is unknowable. So you put in a range of guesses for these, and you can get it to come out as a good or bad investment depending on what you guess.
My guesses were ludicrously wrong when I did these back in 2018, relative to what has actually happened in both the rental market where I live, and the value of the house I bought. I concluded that the reason to buy was only about the non-financial aspect, and that we'd probably lose a little money all told. But it has turned out to be a six figure win in practice. Rent has gone way up, we were able to refinance to one of these very cheap loans during covid, and the property value spiked around the same time. I never would have guessed any of that. And any of it could have gone the opposite way.
So the calculators were honestly pretty useless. It's all too unknowable.
Stop - have you also accounted for 750K loan amount in mortgage interest tax deduction, and the SALT cap of 40k?
Are we looking at markets where we had massive appreciation in real estate values in the last 5 years? Because while you might say they were outsized and abnormal, the stock stock market was, too. The years of ZIRP made everything nuts.
Once you get habituated to it, it really is easy. When I was younger I was appalled by how much I was losing to taxes. Now I don't even glance at the line items. All that matters is that the end numbers. Hell, if I didn't need to enroll my kid in school which requires a receipt for property taxes, I wouldn't even know that literally 80% of my local taxes to schooling. My property taxes are pretty invisible to me. I don't file, my bank does. It really puts into frame why when a city gets old, they start cutting taxes and squeezing schools.
If taxes were filed automatically, honestly, I'd pay no attention at all to them, but having to sit once a year an actually look at the amount I paid, does get me to think about taxes and what they go towards, at least a little.
That was the most recent time, but I've done it a couple of times. I do everything digitally, so it's always easy to prove my case.
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