I see. In this case the 30 years is irrelevant I think.
This is probably PITI cost — principal, interest, taxes, insurance. Principal and interest are zero here, but the other two continue for as long as you own the home (property tax is annual like income tax — it’s not a one-time-deal like sales tax).
The home insurance covers the home, so it’s useful for all interested parties (owner, possibly bank).
Even if the bank doesn’t have any interest in the house (cash sale/no mortgage), I would absolutely want to insure the house!
Owning a house means you don’t pay rent, but you do have to pay taxes and, unless you really want to gamble, insurance.
Online calculators almost always include, or have an option to include, these costs. In part it’s because that’s the number the bank will use to determine what you qualify for. Makes it much easier to say, “here’s your monthly obligation” and compare that to you monthly income, instead of “here’s your monthly obligation, and here’s your twice-a-year tax obligation.”
Curious where you are getting 25%?
At least this amount will, assuming it’s just taxes and insurance, be due every month for as long as it’s owned. Property taxes in California for example are around 1%/year (so a $377k home would be around $4k/year).
If you own the home outright you may not need insurance, but of course, that’s a risk.
Taxes may be severely limited in how much they increase (see: California prop 13), so while they will likely increase it may not match e.g. rental increases.
Calm down, this isn’t the banks screwing the little guy. This number includes tax and possibly insurance — “PITI” (principal, interest, taxes and insurance) is the standard quoted cost. It’s just an estimate. You can often pick your own insurance which will change the cost, and if you’re buying in cash, insurance may not even be required. (It will almost certainly be required if you have a loan, since the bank wants its assets protected.)
Best use of my pressure cooker*! Bulk black and pinto beans, 40m in the cooker with water and salt, then onto the stove with sauteed onions and garlic, a fair amount of oil, apple cider vinegar, pickled jalapeno or two, spices… absolutely fantastic with some rice. And our toddler loves it too.
*Instant Pot, but pressure cooker sounds more… haute cuisine.
Is using “Kleenex” for tissues acceptable?
But isn’t it the legs moving backwards that propels you forwards? 🤔
Yeah, it seems that “your meme is kinda gatekeepy” is a pretty good way to start some “spirited discussions.”
I get that it’s a meme, but what’s the problem? I’m vegetarian/flirt with veganism; it’s purely for moral/ethical/environmental reasons.
Indian food is delicious. An Impossible burger on a pretzel bun dripping with grilled onions, avocado, vegan aioli and mustard with a side of steak fries? That’s also delicious, in my opinion.
Meat is delicious, and that’s not at all incompatible with my reasoning for being vegetarian.
I think it’s common for 4sp transmissions. 5sp less so since it makes more sense to put 5 and R on the same side of the H (unless it’s a dogleg 5sp).
As a general rule, if you set out to design an experiment to show that light is a wave (or a particle), it will behave as a wave (or a particle). The more fun thing is to show that it behaves as both, which can be done by utilizing sensitive detectors and exploiting interference patterns.
I think the best way of thinking about it is that it’s neither. Vaguely speaking, “quantum stuff” can be described very well by math, and this math has some elements of “waveness” (think wave equations, interference) and “particleness” (think ladder operators or maybe position eigenstates). But that doesn’t mean it’s one, the other, or even both — it’s described by some math, and that math is agnostic as to what you call it.
In our macroscopic experience it’s easy to divide the world into these two convenient buckets, but the reality is different.
Personally I think this weirdness is exploited by popsci to get more clicks, but maybe that’s just my jaded opinion after years of grad school…
I some (all?) places you’re also owed interest on the deposit!
Now have them decribe a bidet…
Just because something is available for free doesn’t mean it’s better for all use cases. There are cases where Oracle will perform better than Postgres (and vice versa of course).
And there’s a business case for finger pointing — security issue with your open source DB install? It’s either your fault (configuration), or the fault of some possibly volunteer engineer (bug). But if you pay enough, the whole thing is Oracle’s problem, and you can tell investors with a straight face that it’s not your fault. And Oracle are big enough that it’s an easy decision to defend should something go wrong (which is something of a self fulfilling prophecy, but that’s the way it is).
But yeah, whenever I need a database it’s Postgres :)
“Snow White, take it easy…”
I thought Foghat were singing about a nympho fairy tale character.
antennae
Convention is actually to refer to the radio devices as “antennas” and the biological things as “antennae,” I believe.
Ah, TIL! I was looking for that setting in the WiFi settings, since I only wanted it on one access point (to avoid loopback NAT issues).
I mean, I’m no Swiftie, but that seems pretty reasonable to me…