astreus

To add to this, the rule of thumb in the UK is your maximum loan is 4.5x your salary.

The average worker could borrow about £157,000.

It's not just America though.

Where I'm from:

UK average income before tax) £34,963 - £27,911 after tax (assuming NO student loan and NO pension) (for context: a band 3 nurse with 3 years experience makes £24,336 before tax or £20,631.51 after with no pension)

England average house price: £375,131

Approx ratio after tax: 13:1

Minimum deposit: 5% - £18,756.55

Tax: 0% on first time buyers

Fees: about £1,000 - £5,000

Total cost to get going: Approx £21,750 - nearly a years wage.

Now let's look where I live: Spain!

Turns out Spain really is a load of countries wearing a hat so getting unified stats is not easy. Let's try Barcelona:

Average income before tax: €33,837 - €25,470 after tax

Average house price: €376,399

Approx ratio after tax: 15:1

Minimum deposit: 10% - €37,639.90

Purchase tax: 10% - €37,639.90 (plus 1.5% for new builds)

Fees: 2 - 5% - 7,527.98 - 18,819.95

Total cost to get going: €82,807.78 - €94,099.75

Turns out treating housing as a market to speculate on might just be the problem all along.

"We invented a new kind of calculator. It usually returns the correct value for the mathematics you asked it to evaluate! But sometimes it makes up wrong answers for reasons we don't understand. So if it's important to you that you know the actual answer, you should always use a second, better calculator to check our work."

Then what is the point of this new calculator?

Fantastic comment, from the article.

Lol it's a lyric from dead prez, wouldn't get bent out of shape about it. Literally written in 2000 - I can't even find stats that old 🤷

Kinda like the Imperial measurement system, if you are being compared to Myanmar then perhaps stop?

There's a reason the average black male spends 1/3 of their life in prison in America.

And then has the right to vote taken away when they get out....

Same thing that happens when other slaves are hurt or killed on the job.

Not a hell of a lot.

Found my wife on Hinge - it actually felt like an app to match with people you'd like. Having to actually comment on the profile instead of swipe left or right based on the feel really helped.

Unless there's an emergency.

The way I read it, this is ensuring everyone has the most effective analogue radio in their car because that's how emergency broadcasts would go out. Seems sensible to me.

Work laptops in particular suck, I find. My first one was lagging, freezing, and crashing within months. The second one is three times as expensive but the same brand and is still not happy.

I also use Windows at home and haven't had the same experience. I think it's really manufacturer dependent

If I had the money to pay for music twice I would 😅

It's true, but at least half the artists I listen to I would never have found if it weren't for streaming. Something is, after all, better than nothing.

And compared to the competition, Tidal's payments are good:

~30% more than Apple Music (0.01c)

~300% more than Spotify (0.003 - 0.005c)

~500% more than Soundcloud (0.0025c)

~1000% more than Pandora (0.00133c)