Mortgage constant Puns

It’s been two months and we are still waiting. I am exhausted by the cruelty of daily trials to submit new evidence that was never before requested.

We are a bit of a special case as my partner is self employed and I have a default on a catalogue from three years ago. We have a 10% deposit for a property at the top end of what we can afford. A lot of variables.

We have an agreement in principle with a specialist lender (Dudley’s) and a broker and a ‘packaging team’ (whatever that is) and we have to wait days at a time for everyone to communicate updates, and the update is always a request for more evidence.

I am terrified that we won’t get the mortgage and will lose our house. I can’t sleep and I am taking anxiety medication.

Is anyone in the same boat?

This past year I have found out that it is apparently industry-standard for people to take out mortgages on multiple homes and then use those homes as rental properties before the mortgages are even 50% paid. This creates a weird pyramid structure of rental payments where people who rent homes are essentially paying the mortgages for the people who "own" them and the entire thing comes crashing down as soon as the renters cannot pay the rent. They're basically just playing the middle man between the renter and the bank and slapping an arbitrary amount of extra cost on top and telling themselves it's for "maintenance." Not sure about your rental experience but every property I've ever rented was maintained to bare minimum standards.
And thats not even getting into the application fees and security deposits and other nonsense these vultures tack on so they can slurp up even more money.

I understand it's a complicated investment scheme and on a practical level is considered smart and sustainable but I simply do not agree with it on even a conceptual level. Renting something you do not actually known is stupid on its face. Not only are you creating a system of instability that relies on other people, but you're artificially limiting supply of housing by buying up property and then inflating the cost.

I understand that real estate has always been an advisable investment and people really love the idea of passive income. And I know they have thoroughly convinced themselves that they are providing a valuable service by renting out properties at what they consider to be reasonable prices while ignoring the fact that the same people they are renting to could most likely afford a home or at least have a better chance at it if there weren't thousands and thousands of wannabe landlords and real estate investors swallowing up all the property they can get their little fingers on in the hopes of creating a system of passive income that will allow them to essentially retire at forty.

I find the whole thing disgusting and I find the rampant defense of the system even more vomit inducing. People will scream until they're blue in the face about how they've earned the right to this passive income and you're just jealous because you can't afford that mortgage that they also cannot afford without you paying for it.

If you don't own something you shouldn't be able to rent it out. Period.

I am in the process of closing on a house and so beyond frustrated with what is happening and am hoping someone may have some insight.

I started the loan process in May, we received the pre disclosure agreement on June 16th and ever since then have just been getting strung along it seems like. The underwriter asked for some more information the week of June 15th, I provided it immediately and then they said that the loan was approved and we just needed the underwriter to confirm the file and give us the clear to close and send it to the title company.

We don’t hear much from the loan servicer until June 25th, when they tell us that the underwriter should be done and have the file sent over to the title company by the end of the day, but come the end of the day Friday, it’s not done. Every day since then it has been the same thing. Monday comes and they say it should be complete by the end of the day, they say the same thing Tuesday and now today as well, but still it’s not done.

I’m beyond frustrated right now and my family’s lives have literally been on hold for 3 weeks now staying with a family member because our lease on our house was up and we were supposed to be closed by now.

Do I have any recourse or leverage with this? Can I request a reduction in loan fees or something? I just don’t understand how this can happen, if I did this in my field I would be fired, yet here I am feeling pissed and helpless with the same excuses every day.

TL;DR Underwriter of mortgage loan servicer taking forever, postponing completion date every day after promising a date previously. Do I have any recourse?

Yes, I know everyone in here is liberal (left) but I am a conservative. Before everyone attacks me, hear me out. Since I started working last year and following this group, you guys have really opened my eyes about how terrible big corporations really are. I do understand that higher up levels of workers deserve more money but for fuck sake, companies have got to pay people living wages. You have to constantly adjust salaries for market conditions. The CEO doesn’t need help paying for his 5th mortgage; pay your workers so that they can ACTUALLY make a living. My CEO makes 6.5 million a year while I make 53k a year. He’ll get a handsome bonus meanwhile I won’t even get my salary adjusted for inflation. It’s sickening.

Tl;dr/conclusion:

Looking at it from the level of the individual, a deflationary form of money is fundamentally a superior form of money to an inflationary currency. The rational move would be to hold such a deflationary form of currency, and to swap into inflationary currencies as needed. Given the possibility, it would be attractive for merchants and invididuals to accept payment directly in this deflationary form of money.

While a comparison with gold and the flaws of transacting in gold is often made, these flaws no longer need apply. With the advent of crypto, we have the possibility to create a form of money that has the advantages of gold, without the disadvantages of its physicality.

----------

I’ve seen this discussion pop up more often recently, so let’s dive in. In short, the argument goes that currencies need to be inflationary so that people are incentivised to spend. A way to see it is to think of inflationary currency as a hot potato — if you don’t do anything with it and keep it in cash, it’s going to decline in value. Therefore, you might as well spend it or invest it. If you know your food is going to be (ever so slightly) more expensive tomorrow, you might as well buy it today.

https://preview.redd.it/jqt6kkb272c81.png?width=602&format=png&auto=webp&s=160fc72058667fe9322a18b346ad8f741c98cf86

In a deflationary form of money (for example a currency with a fixed supply) this incentive is absent. Because of this, people will hoard their money, rather than spend it or invest it. With no (or less) money being spent, merchants drop prices to try and entice people to spend. With dropping prices, consumers want to wait longer to purchase stuff, because they expect the item they intend to buy will be cheaper again next month, compared to now.

What this has to do with crypto is that people will often make the claim that crypto can be seen as a store of value, rather than a currency. Save your money in a fixed supply asset that you know won’t be debased, spend your inflationary currency. Because of this, crypto won’t be used as money. People will hold (HODL) their crypto that is likely to increase their value, while spending their fiat money that will decrease in value. Because of this, no network effect arises for crypto, it remains just a savings (and speculation) vehicle.

In the hope of having represented the argument of those that believe money should be inflationary correctly, I’ll now dive into why I believe th

In case anyone is wondering

HYPSM = Harvard Yale Princeton Stanford MIT

FAANG = Facebook Amazon Apple Netflix Google

All throughout high school, my parents prodded me (23M) to study hard, earn good grades, and involve myself in extracurriculars. They constantly said things along the lines of “look at person A’s sister, she’s attending Harvard Law” and “follow person B’s example, he’s doing an MBA at Stanford.” I did as I was told and was accepted into one of HYPSM. I vividly remember crying out of sheer happiness when I logged into the portal and saw my acceptance letter. I thought that my parents would be just as excited as I was, but imagine my shock when they said "We think you should attend (state school) instead because it's a lot cheaper and just as good for your major (computer science) as HYPSM. We earn X per month, the mortgage is Y per month, so we have to support the family on Z per month. Where's the money for you to attend HYPSM?" They then logged into their bank account and invited me to do the budget calculations myself. I did them, saw that their numbers added up, and declined my HYPSM offer (as much as it pained me).

I ended up going to (state school) for my BS and MS in computer science. I currently work at FAANG, which means that I will be able to pay off my student loans relatively quickly. (My parents said they'd pay the difference after I took out the max in federal loans per school year). My sister (17F) called in December to tell me that she was accepted early into one of HYPSM. I congratulated her on getting in, and asked her if our parents would force her to decline her offer as well due to the cost. She told me that dad told her to not worry about the cost. I then put two and two together, made an excuse to leave, and hung up the phone.

I couldn't believe that I hadn't put two and two together before that moment. My dad has worked at a different FAANG since 2006. These companies give their employees A LOT of stock per year, which meant that when I was getting my college acceptance letters (spring 2016), my dad's shares were worth hundreds of thousands (possibly even millions) of dollars. My dad is able to pay for my sister's tuition by selling off some of his shares.

The next time my parents FaceTimed me I asked them why they were unwilling to sell some of my dad’s shares when I was accepted into HYPSM. They visibly tensed up and muttered something about how their financial decisions were none of my business. I then told t

My in-laws want to move in with hubby and I. Space isn't an issue, we are moving into a fairly large house. We have a toddler and another baby on the way. They want to help us with our kids, but we have a full time live-in nanny and are self-employed working from home so our schedules are flexible. I personally, am fiercely independent and would rather go through a certain degree of hardship before asking for help LOL.

Anyway nothing wrong with their personalities, they are loving and helpful but I do find their constant over-involvement in our lives very annoying. They come over unannounced multiple times a week as it is and expect us to spend every weekend with them. Especially my FIL, he will call my hubby multiple times a day. I would characterize their relationship as enmeshed, in a way. When we told them we would be moving further away, FIL started crying and said he doesn't know what he'd do with us living so "far". (By far, we're talking about a 45 min drive). He really expects that his social life is fulfilled by us. He even wanted to come on trips that hubby and I planned for ourselves and invited himself to our wedding anniversary dinners (which we uninvited him to). MIL is not as bad but she's the most opinionated and bossy lady I've ever met LOL

In a nutshell I don't want them moving in. I think it would ruin our relationship. Plus I always wanted to live with my new "nuclear" family --> husband and kids. I don't mind setting up a bedroom for them and when they do come, they can stay overnight. Just not every week. They are healthy and vibrant people and are not in need of assisted living. Plus, they live in a fully paid off townhouse so it's not a matter of saving money i.e. they're not renting or paying a mortgage.

What do you think? Yay or nay?

Have you been in this situation and if so, what went right? And what went wrong?

Boyfriend doesn’t respect my things

My boyfriend moved into my condo roughly a year and a half ago. Since he has been here, he has broken or ruined so many things. Carpet has so many stains. Chips in my ceramic tile in bathroom. Chips in my granite countertops. Broken mirrors. Broken toilet seats. Broken shelves. Broken coverings on lights....the list goes on and on. I came home from a fundraiser last night to my motion sensor trashcan being broken and went to load the dishwasher (of his dishes he left in the sink) and the dishwasher door was broken too. I didn’t say anything at first because I wanted to cool down and not ask and cause an argument so I waited until the next afternoon and said that something was wrong with the dishwasher door and asked him to take a look. After asking 3 times and him doing nothing, I finally said that it was broken and I noticed it the previous night along with the trashcan. He throws a fit and told me I’m being a brat. Still not addressing the issue. I told him something needs to change. That I understand he doesn’t pay the mortgage and doesn’t actually own this stuff but that I do and when something breaks, I’m eventually going to have to replace it. I pointed out the dishes in the sink from him cooking breakfast and all the smoke alarms broken from him cooking bacon and ripping them off the ceiling. This is just from one evening and morning! Before I left for the fundraiser, I noticed a pool of fluid on the kitchen floor. I said, “ummm, I think we have a leak!” He said, “oh no, I spilled sweet tea earlier and forgot to clean it up.” How do you forget to clean up a puddle of a jug of tea?!? I’m at my wits end here. Of course when I told him that things needed to change, he started giving me the silent treatment and now we aren’t speaking.

I (30m), recently put an offer on a home that was accepted. I'm getting ready to close next week. Over the last 5 years, I busted my ass off to pay down my debt & save up money. I worked a FT & PT job, side gigs, & went to school FT. I sacrificed a lot to make my dream happen.

My mom & me have never gotten along. We still have a strained relationship, but do better living apart. I moved her into my tiny 2 bed apt a year ago to help her out. She lives mostly social security She's not physically able to work a normal job due to physical restraints. This was a temporary solution to help us both out.

The problem is my mom has never been financially responsible as long as I've known. She constantly defaults on loans, spends more than she makes, relies on CC, and constantly ODs her bank acct. She can't even qualify for most apartments, even with a higher deposit. The deal we had was to split the cost of rent/utilities 50/50, with food purchased separately. In the year she's lived with me, she's maybe paid her portion a total of four months. She claims to never have money. So my expenses have doubled, since I've been paying rent, increased utilities, our car insurance, & increased food bill. She also very critical. She also has two dogs that I can't stand. I like dogs in general, just not her dogs. It sucked, but I made it work.

When I applied for mortgages, I decided to do so in my name only for two reasons: first, I didn't want to have to rely on her paying her portion of the mortgage, and wind up over my head; and second,I didn't want to risk getting a lien slapped on my house from her creditors. Even though I qualified for a good amount, it still limited me what I could afford.

When I started the search, I chose the house based on my needs/wants and budget. Found one I love that checked off almost everything on my wishlist. The only catch was it was outside the area I was looking in. It's about 45 minutes from my work. But I loved the house so much that I was willing to compromise on that.

I didn't take my mom on any house tours with me; so the only time she saw the home was after the offer was accepted. The criticism started from the moment we got out of the car. She didn't like anything about the house. The final straw for me when she demanded she get the master bed/bath. I told her that no, I was taking the master since it was my house, and I was paying the mortgage, I was entitled to the master. It turned into this hug

I am 26 years old. I am single and I’m a healthcare worker who puts a lot into my career and financial stability. I have been saving for a house bit by bit, little by little ans finally this year I was gonna have enough for my very own house.

Then yesterday I’m met with properties in Kamloops sky rocketing up another 2-300K and I’m left hungout to dry , while still renting and paying someone else’s mortgage.

What’s the point? What’s the point in getting a good paying career you sacrifice so much for? What’s the point in going to school and racking up thousands in debt to help others? Boomers constantly shit on our generation and I don’t want to hear it anymore. We don’t have it as easy as they had it.

So I ask again, what’s the fucking point?

TW: All sorts of shit. Putting a TW here because CG never bothers. Suicide, pedophilia, other wild and horrible shit.

I keep thinking about this, and it's the crack of Christ in the morning on a Saturday, so I'm writing a little bit about it. This is kind of chronological, but not stringently so.

Camas link to her ENORMOUS quantity of comments

So, most folks here have chimed in that they think Late_Purpose7623 (Campground Grifter, or CG from here on out) is a liar at best and a scamming fake at the worst. There are several reasons why her story rings false to adults on Reddit:

• There are only two churches in her American midwestern town and both of them Her church told her they couldn't help either her or her kids because her husband died by suicide. This is antiquated and I would possibly believe that they wouldn't help CG but a church would help the kids. The kids are innocents no matter how you stretch it. And there's more than two churches in town. There's at least a Methodist and a Baptist, probably a Catholic one too.
  • Quad Cities is a combination of four metropolitan areas on the Illinois/Iowa border. In no way in this area remote, isolated, or small. Google shows at least ten churches of various denominations in the area
• Small town lies:
  • CG's post in r/QuadCities - A "Subreddit for the Quad Cities metropolis in the Illinois/Iowa border for Quad Citians."
  • CG's post is asking for "pawn shops for people with no credit." Pretty sure the primary allure of pawn shops is no credit needed. You get a loan equal to the shop's valuation of whatever you bring in as collateral. Whatever CG's angle here, she gives her location, and it's clear it's not an isolated small town.
• Her MIL is so feared by the small townspeople that CG is ostracized. In a tiny town in the middle of America, she is publicly observed housing four children at a campground, but nothing is done. MIL is so evil, but she hasn't called CPS. And one of the four children is supposedly CG's ni

Hey all. I’ve just been signed off work for at least four weeks to take care of my mental health. I’m happy to report that my managers, team, and company could not have been more lovely about it.

I’ve been struggling badly since March 2020 but whenever anything bad happened I would just throw myself into my work and believe I would persevere. It was all starting to build up and the stress started to manifest itself physically quite a while ago, be that IBS episodes or constant exhaustion, or an over reliance on nicotine or alcohol just to try and relax.

I was finally pushed to do something about it and stop trying to be what I thought everyone expected. I stopped trying to be of help to everyone else.

If anyone reading this is feeling similarly to me and is worried about having that kind of conversation with their company, I implore you to do so. Take the leap. It’s scary as shit, particularly if you have a mortgage, kids, bills, whatever. But ultimately we’re all cogs in a machine. The good machines will want you to be alright and will understand. If they don’t, you’re in the wrong machine.

Take care of yourself, forgive yourself, take the time if at all possible to just let yourself exist and breathe. No company and no job is worth sacrificing your mental health.

They say a picture is worth a thousand words....What are millions of apes' words worth?

The Truth. Which is priceless.

Completely unbiased \"journalist\" Andrew Ross-Dorkin of Sqawkbox on CNBC - with shitadel head Kenneth Cordele Griffin...ken attended his wedding. Drewie says dark pools are a \"conspiracy\". Sqawkbox ran paid adverts saying Melvin Crapital had closed out its gamestonk positions...

This DD is one that I've been wanting to write for some time now. There is a TL;DR at the bottom but read this post and go through the links. Wake up, Neo...

https://preview.redd.it/7rf0mbdy6yd81.png?width=1000&format=png&auto=webp&s=1e1cdbb68e42036b537f836e4d3a42e48e6a1ae5

While I'm short on sleep and low on caffeine, my ape-sense™ put a hair up my hairy gorilla ass that precisely now would be the time to write it as we are staring down the barrel of a major economic event in the form of a historic market crash. A major economic event, that shills and fudsters are attempting to use any way they can to get you to feel the same cold, tingly, spine-chilling anxiety they are experiencing knowing they face utter obliteration because of the extreme greed and corruption they allowed to go unchecked, and now have come back, baring very real teeth in the form of millions of apes, standing their ground....and a likely global economic reset.

\"Now, here on this ragged patch of earth called Plataea, Xerxes' hordes face obliteration! Just there, the barbarians huddle, sheer terror gripping tight their hearts with icy fingers, knowing full well what merciless horrors they suffered at the swords and spears of 300. Yet they stare now across the plain at 10,000 Spartans commanding 30,000 free Greeks!\"

I'm going to do my best to outline the connections between the multi-headed hydra (hail hydra!) (I can do this all day) that comprises the many long, winding, rotten, and oh yes, slimy tentacles of this mainstream-media monster. A monster that recognized the power of controlling the narrative. Why? Because AMC was Yahoo's TOP TRENDING TICKER FOR 2021. [AMC EDGED OUT TESLA by a cool 30 million views!!!!](https://finance.yahoo.com/news/

I don't want to step on anybody's toes here, but the amount of non-dad jokes here in this subreddit really annoys me. First of all, dad jokes CAN be NSFW, it clearly says so in the sub rules. Secondly, it doesn't automatically make it a dad joke if it's from a conversation between you and your child. Most importantly, the jokes that your CHILDREN tell YOU are not dad jokes. The point of a dad joke is that it's so cheesy only a dad who's trying to be funny would make such a joke. That's it. They are stupid plays on words, lame puns and so on. There has to be a clever pun or wordplay for it to be considered a dad joke.

Again, to all the fellow dads, I apologise if I'm sounding too harsh. But I just needed to get it off my chest.

Three years ago, I discovered the concept of FIRE which opened my eyes to the possibility of financial independence. While I was not naïve to the basics of personal finance, there were clearly opportunities for improvement and so I decided to apply myself to making changes. At the end of 2019, I started a tradition of completing an annual summary write-up which I found to be a useful tool for reflection and planning. In recognition of this year’s financial milestone, this write-up will combine the usual annual summary with additional detail about the journey to get to this point.

Advisory: This is a long post. For those who just want to see the numbers, you can see income/net worth in the 'Net Worth Update' section, and expenditure in the 'Maintaining a Savings Rate of 70%' section.

Net Worth Update:

I am pleased that I have now reached $1,040,247 net worth. The table below summarises my net worth journey.

https://preview.redd.it/2fqhkj6e41981.png?width=1489&format=png&auto=webp&s=6a6830dec957c48035207c5a4b4cb3da920c7048

Notes about the table:

• The net worth calculation is the sum of cash savings, shares, PPOR, mortgage, and superannuation.
• Base salary is presented as gross values and excludes the standard superannuation guarantee and overtime. I worked extensive overtime during the first few years of my career whilst living with my parents which explains the very high savings rate during this time.
• Base salary also excludes a salary packaging arrangement which allows $9,095 of salary to be tax-free (as general living expenses), and a further $2,500 of salary to be tax-free (as meal entertainment expenses).
• Dividend income is presented as gross values (amount paid out + franking credit).
• Cash savings were kept in a HISA pre-mortgage, and are now in an offset account against the mortgage.
• The share portfolio has the respective Dividend Reinvestment Plans (DRPs) switched on for all holdings.
• PPOR values are approximated using CommBank's property app.
• The 'L' values in Work History refer to position grades. The higher the 'L' value, the more senior the role.
• All values are recorded at the close of business on the last business day of the calendar year.

The Person:

• I'm 34, single, and don't have any dependents.
• I live in metropolitan Perth, Western Australia.
• I work in a tertiary public hospital in a senior position.
• I enjoy my work. For me, FIRE is about having the means to go to work purely because

I recently got married. Before H(31m) and I(25f) got married, he wanted me to stay at home while he worked since he works a great job. If I wanted to work, I could use my money for my expenses. I worked before the wedding but with wedding planning(that I did alone without the help of H bc he didn’t want to)and working 70 hour weeks, it became too much so I quit.

MIL lives with us 6-10 months out of the year; will move in with us when FIL retires. She is emotionally and mentally draining but H is a mama’s boy and believes his mom is always right. I did most of the cooking and the cleaning etc but the credit always went to her and H would tell me to do better. Then, H and MIL started telling me to start working because I had too much time on my hands and it wasn’t as if I was doing much in the house since MIL took care of everything (Again, I did most of the work but credit went to her. If I told H that I did it he wouldn’t believe me)

Before we got married, H and I would go out, had date nights but now even if I ask to get coffee he refuses. If I ask to go out for dinner, he’ll say no but when his sisters (in their 30s) ask, he instantly agrees, paying for them and their families.

Before we got married, H told me he’d pay me a monthly allowance to cover any expenses I had while I stayed at home but after we got married, he claimed that “money was tight” so he couldn’t.

Since I had bills and loans to pay off, was unhappy at home, was constantly told by MIL and H to start working, I decided to work. MIL went back so now I work and do everything in the house, while helping take care of his niece since his sister lives with us. I do most of the chores. I asked H to help around a little but he says that he’s too tired after work (He works from home while I don’t) and that if I expect him to help out in the house, I need to start paying him half the mortgage. I refused because I’m only asking him to help a little, he lived alone before we got married so he is capable of it. Plus, we went over this before the wedding. He keeps demanding that I need to start paying half of the mortgage since I live here for free and work regardless of whether or not he helps out in the house.

He is very comfortable with money, not struggling at all. He also gets money from FIL monthly. I do all the chores, do all the cooking, buy things for the house (furniture, decor and necessities because MIL wouldn’t let me when she was here). I also paid for 2 mini-vacations we took while

The nurse asked the rabbit, “what is your blood type?”

“I am probably a type O” said the rabbit.

Maybe it's January, maybe its covid. I don't know , I just wonder is the stress of trying to save a decent deposit while renting, paying creche(not that I've even been able to secure a place for 5 days yet, and the one place offering us one day refuses to take any schemes so costs 850 euro a month if I did get the days needed)and both trying to live a somewhat decent life outside of just work, save, work, save worth it?? I'm feeling crushing pressure. Any tips for saving or any advice? Are we alone?? Seems like lots of people we know have parents uncles etc. with cash to give or land. We just don't have that available to us and it feels Iike thats the only way anyone gets it together now. I have a baby who id like a home for instead of the constant nagging worry that the landlord will either a)decide to sell from under us or b) the rent will increase beyond our means. The place is a small apartment, we don't even have a garden and I just can't see we will ever get the deposit for a house together with everything seeming to cost so much. It's legitimately all keeping me awake at night.

Both in our 30s, both work full time ok jobs, just can't seem to get a break. Mind numbing. Caught in the earn too much for social housing, don't earn enough for mortgage cycle and I feel like were pinned. The real kicker?? I'm a civil servant, in housing. I drive a 04 car we have no loans, don't drink, don't do drugs and we've paid our rent consistently for over 6 years, never missed an electricity bill even. But we aren't suitable for a mortgage cause we don't have 25k saved away. Sorry, I'm just at my wits end. Please tell me this isn't just me.

EDIT: I can't believe I have to do this, but one particular commenter has decided I've made up my job and is calling me a liar?? And the info I have regarding investment funds purchasing second hand single units is bullshit?? Just to clarify, its not. What happens is, firms like Davy or Trinity investment purchase say 10 single properties off the property market in say Cork City or limerick usually 3 bed semi d with no real work. Then let them to the councils under their long term leasing schemes. They make money on the rent over 25 years with rent reviews every 3 years and the council doing maintenance etc then sell the properties at the end or lease again. The council gets a socal house for someone on the list and the investors funds goes up. Everybody wins as they say. But first time buyers are suffering, IN MY OPINION. As I

Yes, we screwed up pretty badly on this one. Last year, we found the perfect house and went for a 2-year fixed term rate with Halifax. Only minor (back then) downside was the location: at a quite busy street and near the local grocery shop.

Fast forward to a few months later, we started noticing some ASB incidents in the neighborhood. A couple of cars and businesses around were shot at with airsoft rifles. The occasional knock and run at our door. These episodes became more frequent and evolved into constant incidents of doors being kicked in and random acts of vandalism from different youths (one of which targeting specifically our property). Even though we had CCTV, Police wasn't able to do much. Also tried the Council to no avail.

At this point, I'm mentally spent and I'm looking for a way out ASAP. - the no-brainer seems to be letting the place and renting out somewhere else until the fixed term period ends (1.5 yrs from now), so I can avoid the brutal early repayment charges. Then I guess I'd be able to make a more rational move - sell the property or simply return in case things got better.

Am I missing any alternatives? Should I commit to another purchase instead, port the mortgage and face the early repayment charges? Our savings aren't in great shape (roughly £10K), but on the plus side we have made some improvements and the house has gained £30k in value.

edit: thanks for the avalanche of helpful comments - we have a couple of valuations booked for next week and hopefully we'll be able to port our mortgage and relocate within the next months. May this be a cautionary tale to rookie buyers like myself.

If you’re buying a house in Glasgow I recommend you avoid McGregor MacLeod Solicitors like the PLAGUE!

Along with the stress of buying a house I had to constantly chase them for updates, engaged my inner Karen and pulled the “I’m not coming off the phone until I speak to my solicitor” a few times too.

I've unfortunately had to deal with them a couple of times. The first time it was literally the day of moving when I got the documents I needed.

They recently just missed a deadline for another urgent document and now my mortgage deal is gubbed.

To rub salt in the wound I got called a “troll” when I left a bad review for them. (image attached).

*Side note, owner has a habit of responding to bad reviews poorly, worth a look if you have time for solicitor drama.

For those buying a house I wish you the best of luck and I hope it goes a lot more smoothly than my experience.

https://preview.redd.it/p6qjz1tc7me81.png?width=828&format=png&auto=webp&s=b97abba783c00422adc4f343269ca16cf88eaae8

Sorry very long post, TLDR at end.

The “Great Reset conspiracy ” follows the narrative that globalist governments together with multinational corporations and the elite have a plan to implement a “new world order” where people will “own nothing and be happy”.

The Great Reset is actually a dialogue among the elites at the World Economic Forum (WEF) to discuss how Covid presents profound risks to the globalist neoliberal system in an open format while disguising it as a dialogue on “how to improve the system”.

The outcome has been the use of divide and conquer of the people by elites (via liberal/conservatives, vaxxed/unvaxxed) to prevent a real ‘great reset’ - the shift of power from elites to the people. This strategy aided by government debt and funding corporations has further strengthening the position of elites while placing the population in debt and fighting among themselves.

When has there been a “great reset” in history?

The black-death from 1347 to 1351 in Europe saw massive social change that would be unimaginable today.

The vast majority of people were serfs that were in effect forced to work for the nobles (the elites) in order to have a small plot of land from which they subsisted while all the profits went to the elites who owned everything.

The black-death saw 30% to 50% of the population die. Soon there were not enough people to work for their overlords. All of a sudden the supply/demand equation had been flipped and the people could reject to work at subsistence levels and demanded higher wages and an end to serfdom in effect a great resignation . This was in effect the ‘great reset’ that the elites today fear. This was the end to serfdom and the start of the working class increasing their economic and political power.

What is the current “great reset”?

The Great Reset is a dialogue between the elites to discuss in an open manner all the risk they face from potential revolution in thinking of ordinary people that the Covid epidemic could bring about.

It’s a dialogue of what risks the elites, neoliberalism, globalism and multinationals face from people demanding a better system similar to what happened following the Black Death six centuries ago. The elites of the WEF believe their superior intellect allows them to present a discussion on risks they faced from the people as a narrative on how to help the people.

**What are the risks the eli

I am the oldest female in my family with four other siblings. My parents married for over 20 years until they divorced in early 2020. For background, I do have older siblings, but I'm sure anyone from an ethnic or maybe a strict household knows that the eldest daughter is the second mum which I have been. My parents had divorced once before, in early 2018 but got back together around late mid of same year. During a couple of months of divorce in 2018, my dad had been with someone else but left them to get back to my mum but never told anyone.

Flash forward to early 2020, my mum discovered the relationship my dad had in the period they had broken up and filed for divorce. That's when my problems began.

My mum has been psychologically and emotionally abusive and manipulative; It doesn't make it better that I was such a naive child and always wanted to be enough for her. I was constantly told, "why can't you be more like your skinny friends" she even took it as far as going up to my best friend in yr7 and telling them to make me run around in the park and not to let me sit down when I'm around her. And that's not even a sliver of what she has done.

Anyway... After my parents divorced in 2020, I stepped up along with one of my older siblings to being parents for my younger siblings. This included taking the kids to school, dentist, doctor, school programmes, paying bills, being in school, and getting good grades. Somehow my brother and I did it, he graduated as an engineer, and I graduated high school with a scholarship to university. All was happening, and my mum refused to do anything. She would sit in her room, becoming more manipulative and awful to everyone.

Last year (2021), I started university and had less time, whether it be online classes or classes that begin at 8:30 in the morning; I didn't have time. So she was forced to do work in the house.

Until one day my dad decided to move back. My mum went ballistic when she found out he was moving back to our hometown.

Sidenote: even after the divorce, my dad was still paying for the mortgage and bills in the house my mum lived in with us.

My dad said he would rent a place till he could buy a house (COVID days housing values were not good), but my mum said, "I'm moving".

Her moving was a shock to us because my dad hadn't even arrived in the country, and she had packed her bags in June and moved out. I was left to raise my siblings by myself while still trying to pass my classes at uni, so I didn'

Hello stupidpol. One of your resident tankie USSR apologists here (or, as thefunhouseofideology calls it “Stalinists with Oedipus Complexes").

I would like to begin by discussing my sudden turn from banal shitposting to attempting to engage with Stupidpol more critically. Why is this? Why can this matter?

It is primarily due to the tenor of Stupidpol these days, particularly in regards to our usual pet issue of “Rightoid Creep.” What are the criticisms of this Rightoid Creep? That they derail discussion, exacerbate reactionary tendencies and degrade the Marxist character of this sub. Many claim that we are past the point of no return.

I disagree. The Rightoids are not a problem, but rather there must be a certain amount of “Rightoid Repellant” that functions in the same manner that our anti-IdPol stance acts as a “Libtard Repellant”.

How does one create a Rightoid repellant?

By posting theory. They don’t read this stuff and think we’re fucking stupid for trying to use it.

Further, I am hoping that my feeble attempts to create, repurpose and interpret theory will inspire more of you to do the same. Increasing our high effort posts will have the effect of reinvigorating our Marxist character, as well as signal to those who come here for the “dunking on liberals” that this sub allows for that this is a Marxist subreddit first and foremost.

Our disagreement with IdPol stems from several places; the chief criticism we have to level against it, is that it is Identity Essentialist and thus inherently counter-Revolutionary.

Our disagreement with IdPol is not that we want to be chauvinist misogynists, that we want to be virulent racists, that truly all we desire is an excuse to make fun of “minorities” and so on and so forth.

It is my hope that through these theory posts we can reaffirm our commitment to these ideological positions.

This does bring us, then, to the actual topic of this post.

What makes a class Revolutionary?

Further, what does it mean to be reactionary? What creates this social phenomenon?

Building off of these questions, how can we determine the Revolutionary or reactionary character of classes, and how can we use this in the project of building an actually existing socialist American state?

———————————————

Let us begin with the question of what makes a class Revolutionary. This is, in many ways, Marxism 101 but I believe it is important to discuss. First, I appreciate theory that addresses all of the claims it makes wi

The doctor says it terminal.

I've been pursuing FIRE from a very young age (29 now) and feel like no matter how much I earn, save and invest it'll never be enough. Throwing my savings into a house on the outskirts of Sydney back in 2017 was very demoralising. Working in a brain numbing corporate job isn't very inspiring either, I can't imagine doing this for another 20 years to fuel "early" retirement.

I'm with a partner and we don't want kids, but even after throwing virtually all our salaries into the mortgage we're still a couple years away from reaching zero net debt, let alone accumulating any portfolio of shares etc.

Our aim was to cut back and find less annoying and far less paying jobs after net debt zero but then how do we accumulate $2mil of reliably high yield stocks to somehow become self-sufficient each? Feels like there's no end to the sacrifice needed.

I'm also finding myself constantly comparing myself to peers and family members. They're earning a lot and that pressures me to not to pursue something more enjoyable for less money.

My dad was into FIRE as well but due to life circumstances couldn't reach the end goal. He warned me if I didn't go easy on myself, my mindset of scringing and scraping would turn into a disease. He said once the value of money was ingrained in him, he couldn't splurge or enjoy himself.

I've always been a fan of short term gain, long term gain but with FIRE it feels like long term pain for short term gain.

Can anyone relate to this or have any advice? Thanks

Alot of great jokes get posted here! However just because you have a joke, doesn't mean it's a dad joke.

THIS IS NOT ABOUT NSFW, THIS IS ABOUT LONG JOKES, BLONDE JOKES, SEXUAL JOKES, KNOCK KNOCK JOKES, POLITICAL JOKES, ETC BEING POSTED IN A DAD JOKE SUB

Try telling these sexual jokes that get posted here, to your kid and see how your spouse likes it.. if that goes well, Try telling one of your friends kid about your sex life being like Coca cola, first it was normal, than light and now zero , and see if the parents are OK with you telling their kid the "dad joke"

I'm not even referencing the NSFW, I'm saying Dad jokes are corny, and sometimes painful, not sexual

So check out r/jokes for all types of jokes

r/unclejokes for dirty jokes

r/3amjokes for real weird and alot of OC

r/cleandadjokes If your really sick of seeing not dad jokes in r/dadjokes

Punchline !

Edit: this is not a post about NSFW , This is about jokes, knock knock jokes, blonde jokes, political jokes etc being posted in a dad joke sub

Edit 2: don't touch the thermostat

Do your worst!

How the hell am I suppose to know when it’s raining in Sweden?

First of all, I'm sorry If this isn't a pure Lockdown story but because of the lockdowns lifted in Sydney for me last Dec 15 (unvaxxed of course) it created a problem the past weeks that has hit me like a truck out of nowhere.

About me: 34yr M, Syd. Married, no kids, no mortgage, IT professional 13 years

My work: I've work for a big IT company 10 years serving customers sites. My contract is to be onsite with another colleague (he is vaxxed so no probs for him). When lockdown happened we were all working from home and managed to keep a high level support and satisfaction. Last Dec I got the bad news and responded in a semi legal letter (Informed consent template from reignitedemocracy.com) outlining some important points as to why i shouldn't be fired and that I refuse the vax. It put my employer on the back foot last Monday and took them 4 days to get back to me. It was torture.

Our customers made an only vax offices so I cannot even enter the building to fulfil 100% of my full time contract. I can't enter the data center (even if there is no people, figure that one out) although I can do a lot more stuff remotely and have been. My employer hasn't or doesn't want to find alternate working arrangements like work from home more and I was doing a lot more remotely the past 2 years (all recorded in our ticketing system and change requests for network infrastructure changes) , they still want to terminate me.

It is only today that they're pushing vax on me one last time before termination on Monday. I will decline. I decline for medical reasons from my family hereditary illness I may get and I'm worried it will trigger it, clots and strokes which is common in my family. I also decline because I value life and freedom/liberty. Then there is no liability etc. if I get injured.. its beyond retardation now. I got perfectly valid reasons to reject a syringe that I don't want even in the face of COVID.

The verdict: I still stand my ground tomorrow, not taking the vax. I will need to reply one last time to refuse as they have given one last change to take the vax and show proof, I've booked exam. in my response I will outline this farce, the stupidity of the whole thing with these mandates. I will not hold back. From next Monday I will be unemployed, I'm not sure if I have 4 weeks notice. I don't know if this is instant dismissal but sounds/looks like it.

The future: I'm prepared to live a harder life, not sure what's in store for me, I

Mathematical puns makes me number

We told her she can lean on us for support. Although, we are going to have to change her driver's license, her height is going down by a foot. I don't want to go too far out on a limb here but it better not be a hack job.

Ants don’t even have the concept fathers, let alone a good dad joke. Keep r/ants out of my r/dadjokes.

But no, seriously. I understand rule 7 is great to have intelligent discussion, but sometimes it feels like 1 in 10 posts here is someone getting upset about the jokes on this sub. Let the mods deal with it, they regulate the sub.

The Death of the Dollar

Within this survey of the dollar, I will delve into the value of the dollar both past and present and the significance of its value. This delving will yield an understanding of what main factors influence the value of the dollar and thus the impact of that gain or loss of value on the common man. In attempting to discover these influences on the dollar, other fiat systems will be used as an example so as to better understand our own system and possible predicament. While no two situations will ever play out in the exact same manner, even a basic understanding of statistics and correlation will elucidate the importance of these examples. Moreover, once an adequate understanding of the dollar and its likely path have been discovered, I will then look at what is to be done about this course. While hind sight is 20/20, taking harmless preemptive action against a probable outcome surely can do no harm.

https://preview.redd.it/l7j5zmbeuj681.png?width=460&format=png&auto=webp&s=dacc92746a953a676e0d5f134ad46e5c4b552c9a

Let us first look at the purchasing power of the dollar since 1900 in order that we may understand what has happened in the past. Through this past we may possibly gleam some nugget of the future. As demonstrated by the chart on the right, the dollar has lost most of its purchasing power since 1900. The dollar of 2020 is worth 1/26, or 3.8%, of the dollar of 1900, and why is this? There are two main causes that I attribute to the devaluation of the dollar. the first of these reasons is the government. The government prints money in order to solve problems which increases money supply, thus devaluing the currency. The government also took the dollar off of the gold standard which was preventing the Federal Reserve, whom I will call the Fed or in some cases JPOW, from increasing fiscal stimulus to the degree they thought necessary. Secondly, there is the Fed who has two main tools at their disposal in terms of monetary policy. The first tool is to control interest rates, low rate = growth stimulation ... high rate = economic contraction. The second tool the Fed has at their disposal is the issuance of treasury bonds. This allows the Fed to create Treasury Bonds and give them to the Treasury Department. The Treasury Department then gives the bonds to the banks who in turn sell them back to the Federal reserve thus creating money and fiscal stimulus. When understanding these two main factors it is very easy to

I (29M) just bought a house a few months ago. I have asked my gf (32F) to move in with me at the end of April. She will not own the house and will be helping my pay the mortgage (like rent in a way) as well as splitting the bills with me and splitting the cost of any furniture we buy. I am doing some home renovations (which I'm paying for) and although I am making all of the final decisions, I have been asking for her opinion on different things, partially because I'm colorblind. She's also been a huge asset to me in picking paint colors and helping me paint. So, since we will be combining households, there will be a lot of who has the better couch, or dresser, or whatever, and all of the other furniture will go into storage.

Now, we were talking about decorating and stuff and what other pieces we will need to buy, and she vetoed a couple things that I had selected and said that the items looked dated to her. I should point out that I don't typically care about how something looks, I just want it to be functional. I told her that I didn't want my house to look like a ladies house. She said that she wouldn't want to make decorating decisions without getting my approval, but she does also want it to feel like her home too. I said that I felt like she was decorating the whole house while I only had one room (my office). She quickly reminded me that I have my office plus half of the basement (which is the same square footage as the floor above) for all of my gaming tables for when I have my friends over. She actually only has one room that's just her (her office) and she wants my assistance in decorating the rest of the house. She said that I'm the one who asked her to move in and it isn't fair to her for me to expect her to live there but to also keep the house looking like a bachelor pad. She wants to feel like it's her home too. She compared it to the house that another couple whom we are friends with has and asked if I thought their house looked like a ladies house. I said they buy each house and decorate it so they can flip it. She said that she knows that I own the house, but she wants to make it look nice for both of us since it's going to be OUR home, and she doesn't want this to be a thing where I'm constantly holding it over her head that it's my house. Now, I feel bad. AITA?