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Cake day: June 15th, 2023

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  • For me, insurance and property tax work out to about 1/3 of my former rent (which was a smaller place than my current home). My mortgage by itself is about the same as my former rent. Based on what another commenter said about the typical percentage of payment toward interest (69% after 1 year, 55% after 10 years, 33% after 20) after a year my money-in-the-black-hole is roughly even to renting with about 1/4 of my total payment going straight to equity. After 10 years that goes up to 1/3 into equity, after 20 it’s about 1/2.

    Yes, my total payment is higher, but the home is larger; if I’d made a more horizontal move, the equity building rate would be more favorable. Additionally, I rented that space for 4 years and the rent went up 30%. The main thing to increase my payments now would be an increase in property taxes, which reflect an increase in property value. Personally, I felt very different about a 30% increase in rent than I’d feel about a property value increase that would bump taxes enough to raise my current payment 30%.

    All I really did was convert some of what I’d save normally into the form of real estate. Home values typically increase about 3-5% annually, which is pretty comparable to most investment instruments. And I get the material benefit of a neat house to enjoy in the meantime, instead of some holdings with zero non-monetary value.

    It’s not necessarily the right move for everyone. I am particularly handy, so my maintenance costs are lower than they might be for others. But so far as money-in-the-black-hole and equity are concerned, I’d imagine most people who can shoulder the up-front costs would break even pretty quickly, interest included.


  • The worst part is draconic abortion bans also hurt those trying to have children. No one’s getting recreational third trimester abortions. You picked out a name, painted the nursery. Late term abortions are tragedies to all parties, and only ever happen because of life threatening conditions.

    I wouldn’t want to plan a child when any complication could mean death.














  • I love nature. Termite mounds are nature, honeycombs are nature, spiderwebs are nature. Humans are a part of nature and our infrastructure is a part of who we are.

    Carving out exceptions for human artifacts like this takes for granted that a bunch of arboreal primates figured out how to melt down the rocks themselves to extract their purest essence, then wound that essence into ropes that contain the lightning we learned to generate ourselves to power the many other artifacts we developed to bring light into our dwellings, communicate with primates on the other side of the planet, and automate the menial tasks of our lives.

    While certainly selfish and misguided at times, everything we make is nature, just as much as honeycombs and spiderwebs.


  • I don’t know of a single fruit that’s poisonous to every animal. There are fruits that are poisonous to certain animals, but that serves mostly to select for particular animals. A popular example is capsaicin, which is painful for mammals to eat but doesn’t affect birds. This suggests that these fruits do want to be eaten, they’re just selective about which animals eat them.

    And even assuming the most woo-woo levels of plant consciousness, fruit farms create nowhere near the suffering of factory farms. Factory farms are a life of constant suffering, fruit farms are just plants vibing.

    Again, you’re just debatelording at this point.



  • Because “good” and “bad” have nothing to do with my point, which is about purpose. The purpose of fruits is to be eaten, that is their explicit function. While the pigs get some benefits (in principle, in practice factory farms are horrific places which are absolutely less desirable to the pigs than the wild) they do not volunteer themselves for slaughter the way plants volunteer fruit for consumption.

    Being eaten is the core benefit of fruit, and all else being equal being eaten is preferable to not. All else being equal, the pig benefits more by not being eaten, and just living peacefully on a farm.