Dull Academic Incessant Liturgical Yapping: Philosophical Orations on Order & Reaction
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Posts written by a pseudointellectual moron.
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Walked up to the top of a small mountain today. Pretty alright views, at least for a poor!
Forwarded from AM's Garden Sanctuary 🌸 (𝓐𝓼𝓱)
16 Ways to Purify Water Off The Grid
If you're living off the grid, you'll need a way to purify your drinking water. Here's a list of water purification methods to consider.
My town's gas station is pump then pay. Talked to the store manager today:

"How often does someone pump then drive off without paying?"
"Oh, maybe a few times a year."

Poor towns are universally terrible places to live, eh?
Spoke with a young lady today who's a Walmart cashier in a small, poor town. Her and her fiance are 18 and 19, respectively. Both work at Walmart. They saved up money for 3 months and used it as the down payment for a house, where they now live.
I'm in Illinois for the day, some 50 miles south of Chicago, to celebrate my Grandmother's birthday.

Just drove past a billboard that advertised "affordable houses starting at $350k."

πŸ₯΄πŸ”«
Forwarded from ALL YOUR BASE (all your base)
I bet today they'd want 250k for the home on the top left
Forwarded from Maksymilianuus
cities are expensive for unrelated reasons , the problem with villages is availability of well paying work
I've gone on record in a few places saying it's easier to afford a house as a minimum wage worker in a poor area than it is to afford a home as a 6-figure earner in the urban landscape.

Of course, there's good reasons for some folks not to move to poor areas. But a lot of people, I think, just don't understand how much easier it is and don't move to an affordable area because they think funding and work would be more difficult to find, and that this would make life harder, rather than for more principled reasons.

Here's a bit of analysis I wrote before; it's regarding a viral $769k house in Redwood, CA:

Going back to this and doing some math. Let's assume 20% down payment.

If you live in an area where you can get a home for $60k, and you have a credit score of 700, you'll be making payments (including fees and taxes) of about $450 a month. This means you or your family's income needs to be a bit over $1.6k a month, about $19k a year.

Now let's talk about the $769k house. You'd need to put down $154k, which could have just flat out bought 2+ houses in the prior town. Then, you'll need to pay about $5,500 a month. To afford that, your income needs to be almost $20k a month, almost $236k a year. That's more than 12x the required income.

...

It's much easier to afford a house as a janitor in a small white town than it is to do so as a 6-figure salaryman in Redwood City.
The following one is also relevant here