We should definitely do November for it - holiday shopping and Black Friday specifically.
Hell, if we could just boycott Black Friday and the week before and after, which is the biggest retail spend of the year, we’d probably make a serious dent. They aren’t even good deals, but good luck convincing anyone to skip it who doesn’t already.
Thanks. I knew it was wrong; autocorrect underlined it. But I didn’t care enough to look it up since it didn’t suggest the right thing.
Idk who downvoted you for that, but they suck.
Yes their home value has gone up also, but because everything else has risen by the same margins, something that used to be just a bit out of their price range is now much much further outside of it.
Even equivalent properties are more expensive because they often need work on top of the price, and even if they don’t, the closing costs and cut to realtors are proportionally higher and that doesn’t count toward equity. And folks in V-LCOL areas can’t really move to areas that aren’t equally depressed, because houses in other areas are even more wildly expensive, so we are scraping the lowest cost of the bottom of the low cost barrel already. There’s nowhere to really go like people from HCOL areas can.
So say someone wants to move to the next town over for whatever reason. They have to pay to have their house sold, which is a percentage of sale for whatever dumbass reason (8-10% on average), then the closing costs, inspections, etc. for the place they are buying (2-5%), and that eats right into the equity of the existing house, meaning they have to find something 10-15% lower in absolute terms if they want to come out unencumbered, which used to be a pretty small actual difference but now is pretty substantial (for example, 10% of my purchase price is about 6k, with the current state of things I’d be looking at about 20k) The alternative option is to take out a mortgage for the price difference, at a huge interest rate. But the price increases over the last few years could easily make that mortgage the same as their original mortgage on the place from a decade ago.
So on paper the house is worth more, but because everything else also is, and wages aren’t up, it’s a much larger difference for the buyer than it used to be.
My area, which is historically a V-LCOL area, isn’t the worst, persey, but wages definitely aren’t keeping up, which exacerbates the issue. We used to have a really good market for average people to own.
Area now requires annual salary of roughly 75-99k.. your average person around here (even if they have a degree) is super lucky to make 40-50k (this is on the rise, but not very quickly at all). Only people in the top of their field, or in highly lucrative fields, are making 75-99 (other parts of the state are different ofc; pay in the cities is a lot better for example, but this specific area is still quite depressed). Back a decade ago, there were dozens and dozens of house options for under 100k, so 40k wages were fine. If you are handy, you could pick one up that needed substantial work for 25k.
Needless to say, anyone around here who bought before the market went crazy.. is absolutely stuck, even if they currently owe very little or own outright. There is literally nowhere most of them can go because if they sell, where do they turn around and buy? Everything else went up right alongside their place, including interest rates and closing costs. But the big thing is a price difference that used to be about $2,000 is now $15,000-30,000 different (due to interest, absolute cost, closing costs, etc. all being inflated together)
I think that’s the idea, yeah.
Oh man a walla walla is totally doable, sweet and mild. Even a red onion, for me. I like to slice them and eat the rings as snacks, raw, plain. Sometimes with finely sliced purple cabbage on the side, which is a bit peppery.
I’m not a fan of standard white onions where the whole flavor is the chemical burn, but those are good for cooking. If you dip them in ranch they give wicked heartburn, but not so much the mouth burn. White onions are also the only ones that cause eye irritation for me, the others I don’t even notice anymore.
My dad used to eat them like apples. I never have, but I do eat them plain so I guess the onion didn’t fall far off the truck.
Gosh I desperately wish they actually needed to know the laws, but they don’t.
https://www.vox.com/2015/8/4/9095213/police-stops-heien-v-north-carolina
I had a physics teacher who died of alcohol poisoning a couple years after I graduated.
He has the red nose of alcohol abuse and everything in class all the time. I thought that was bullshit but it isn’t!!!
True. I suppose it’s just because I know how things actually played out with TOS, and it was just jarring and unexpected.
I very very rarely listen to anything posted anywhere, but I enjoyed this.