Piranha Phish

Macklemore

I feel like everybody is overlooking the fact that this person is getting an ad, to watch ads, after already paying for Premium.

I mean, yeah, I guess …

But, that seems like bad advice in general and I’m not sure why you would say that. I am genuinely curious if you care to explain. Beyond reading most of this article, I haven’t done any research into current interest rates or house prices lately, so maybe there’s more to it than I am aware.

Generally, buying a house is a good long-term strategy. You can give 100% of your money to somebody else with rent, or you can effectively put an increasingly bigger portion of that money into savings. Even if a mortgage payment is 50% more than rent somewhere, that difference would basically be the principal portion of the payment at the beginning and more later on, meaning it stays your money. And even if the price of houses are leveling off now, they’re nearly guaranteed to go up at some rate.

According to the article, if you don’t think you’ll be able to keep your mortgage for 13.5 years, then it sounds like the closing cost and other fees could make it a bad investment. So maybe if you’re 60 years old or if you don’t ever expect to increase your salary then maybe this isn’t a good idea. Otherwise, I don’t think somebody should just blanket decide to resign to being a slave to housing and life in general.

Buying a home isn’t as easy as it used to be. But it’s not impossible. And it is probably the single biggest thing you can do to change the trajectory of your life. For many people, I would think it is worth serious consideration.

These are just my opinions, though. I’m not a financial advisor.

https://lemmy.world/post/6245858

For most utilities (water, electricity), there’s a relatively linear relationship between the tangible value provided (energy used, water dispensed) and the cost to provide it (coal burned, water sourced/treated). Even for wind- or hydro-powered electricity, the amount that everybody uses has a proportional amount of wear on the system and consequent required maintenance.

But not so much for ISPs. Instead, you’re basically paying for a “fictional” amount (speed) of a non-tangible product. Granted, there is a linear relationship to the amount of electricity the ISP uses to provide each bit, but it’s negligible.

Instead, what you’re paying for with internet is essentially to recoup the fixed costs of the provider’s equipment. They do need to upgrade every so often to accommodate more capacity and faster speeds, but this is proportional to speeds provided and not data volume used.

*edit: replied to wrong comment

For starters, you can replace the equivalent of the battery: fuel

Don’t get me wrong; my next car will be an EV. But it is disingenuous to hand wave the reality that EV batteries are expensive and difficult to replace, somewhat negating the economical and environmental benefits.

I do all of my work on my own cars in my home shop, including things like dropping transmissions. This is why I’m able to keep cars for over 20 years. But there’s no way I would be able to even start to replace an EV battery pack simply due to the weight.

But, for me anyway, that’s not a compelling excuse not to get an EV. It’s the way of the future and, by the sheer nature of getting one, I’m promoting their adoption, encouraging their innovation, and driving down the cost overall. So I look forward to it, even if there are some inconvenient truths.