My husband and I bought ours in 2019, and I feel like we did so in the nick of time, and that’s with being on two programs and taking an additional loan for the down payment, and that’s because paying the mortgage was lower than renting an apartment at the time.
People can’t afford housing anymore. I feel guilty even owning a house because it’s gotten so bad (even though the bank technically owns this shit).
Oh don’t worry, we’ve got a lot of them here as well. I know a lot of good people too, but everyone is stretched so thin with work and trying to survive.
Buying a house was what pushed me from Bernie flavored socialist to full on leftist. We were lucky enough to find and qualify for a community land trust and it is such a better system than anything else in America. It should just be how housing is done available to everyone, not just people who qualify.
I feel guilty even owning a house because it’s gotten so bad
It’s not like prices are going to rise forever. Market cycles are natural. There will be a crash, and there will be cheaper homes once again, and as long as the government is competent, random businesses won’t buy them all with the intent to rent them out to potential homeowners.
Thats a seperate issue, that is central banks and over regulation of the housing market. This has devalued your wages and made housing too expensive. And the sad part is BOTH of the parties support these things (if you are an american).
Well in China you could buy an apartment that should be built in a year but will never actually be built. That’s how you know China is better than America.
There’s a key difference: One is based on just your financial history, only on the numbers. The other is based on everything you do all the time, which is way way way more privacy invasive.
But does the corporate data collection factor into your FICO score? Unless there’s some new scary development I’m not aware of, the FICO score is only based on the following: length and number of accounts, revolving utilization, if payments are on time, and the loans you have made (based on the size and frequency of them).
You and your friends’ social media activity, among numerous other things, can absolutely affect your ability to get a loan, a job, a rental contract, etc.
When you’re rejected for a loan by a bank in the USA you’re entitled by law to know the reason. If your credit is good, your job is stable, and you’ve got no history of finance-related crime then you won’t be denied a loan. If you’re denied a loan because of the type of porn you browsed or some shit you said on Twitter, then that’s grounds for a discrimination lawsuit.
When you get your credit report, there is a statistical breakdown of your score and all of the sources on the report. So, if there is something as stupid as a social media adjustment, you can contest that.
If I clicked every link sent to me by some CCP cuck on lemmy I’d be reading for the next 87 years straight and none of my questions would be answered.
If you can argue my point then do so, if you can’t then stfu. I made a pretty simple statement, now you have the opportunity to retort. Everything impacting your credit score is listed directly on your credit report, and you can contest these entries.
Edit: I can’t respond to replies from the deeply unserious users of the cowardly instances that have defederated from HB, nor those instances so filled with liberalism and foolishness (but I repeat myself) that we had no choice but to defederate from them. Go read a book.
It is real, it was first put into use in 2014 with a six year plan to make it fully operational, but it’s never reached that point. It not being as big as the CCP intended doesn’t make it not real, it’s still in use right now.
Bruh it can be so dangerous, I search for poisonous mimics of (mushroom). And honestly if a mushroom has too many poisonous mimics or toxic species of the same family, I just won’t try to harvest it.
So far Oyster mushrooms are just about the safest to spot and harvest, I don’t live in an area with chicken or hen of the woods, which is also pretty easy to identify.
When I was a kid we would have yearly morel hunts. My uncles were always scouting the neighbors’ woods, and once morels were sighted we’d sneak onto their property and gather bags of 'em. We’d usually get about 10 pounds between the six of us cousins. Then Grandma would fry them up and we’d feast.
One year I ate at least a pound by myself. That night I got so violently ill I thought I would die. I never ate morels again.
Now you have me wondering if one of us picked a not-morel and I was the unlucky one who ate it.
That’s wild! The article mentions it a bit but based on your comment I did more research, black morels or morels in general can cause really bad gastro issues.
Most articles and papers say is they are undercooked or just eating a ton of them like you did can cause what you felt on it’s own. You didn’t even have to eat a false morel! I had no idea, good to know!
Don you maybe have a mushroom consultation in your town? Don’t know where you are from, but in Europe many countries have them and they can help you not to kill yourself.
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