Free Republic

“18-—20==I DO NOT CARE”

Okay, so the school has a “No cell phone” policy.

If as a parent you visit the school and you pull out your cell phone will you tolerate the teacher violently seizing it from you because they have a rule/policy?

The filibuster and requirements for a super majority on some legislation, like the establishment of a State based (the 17th amendment was a mistake) Senate itself, is bad if you’re in the majority and a safe guard if you’re not. The founders understood what democracy is and did everything they could to avoid its evils.

Without cash there is no pitin regime.
It is held together by paying people off, and fear.

The fear part costs a lot , I believe the “internal security” budget is close to the military budget.

Without the mechanism to instill fear, arrest musicians and artists, police the socials and pay for “window crews” the fear goes away and dissent rises.

Without cash there is no “loyalty “

In fighting is just a side bonus

That’s true but its there if you need it.

The main thing is that a 50 year mortgage is not a big deal. Mortgage loans come and go with economic cycles. I was in the business for 28 years. Things come and go.

U.K.: The traditional term for a mortgage was 25 years, but longer terms have become increasingly popular, especially among first-time buyers. The average term for a first-time buyer is now around 31 years, and some lenders offer terms up to 40 years to make monthly payments more affordable.

Germany: Mortgages are often structured with initial fixed-interest periods of 10 to 15 years, with the overall loan designed to be repaid over 25 or 30 years. Borrowers often make extra payments to reduce the term or refinance the remaining debt after the fixed-rate period ends.

France: The maximum mortgage term is generally set at 25 years by regulators, though terms between 15 and 20 years are most common for approximately 50% of borrowers. French mortgages typically involve a fixed interest rate for the entire duration of the loan.

So where in Europe are your 100 year mortgages???

I have no problem with the school expelling an adult (18yo) student who fails to follow their rules.

That said, the teacher has absolutely no right to violently seize an otherwise legal object from an adult student and per the law in Tennessee this is assault.

Self-defense is legal in Tennessee and if the student has a decent lawyer then that’s the way to go here.

To whatever extent that may be true, it’s irrelevant to what I said.

That Brazilian has regrets about fighting in Ukraine? Duh!

Nobody should ever volunteer to go and fight in a war, especially if they’re not a citizen of that country.

But, the ones having the most regrets are the Russian ‘volunteers’ who are getting big contracts to go join the fight in Ukraine. The biggest regret they’ll have is soon after getting fatally wounded. A split second of regret and they, total darkness. Hundreds of thousands of Russian regretting signing a contract to go to their certain deaths. And millions more mothers and fathers and brothers/sisters and sons/daughters expressing their regrets that their sons stupidly signed those contracts.

What good is a contract if you’re going to be dead and have no chance to collect the promised money? Dumbasses! Which reminds me: you are not better than those idiots.

Have you singed up with Putin to go to the fight? You’re not a good Russian if you refuse to die for your country.

They weren’t. Giuliani and Eastman were indicted on state charges in Georgia and Arizona, Bowyer only in Arizona.

--- "...if starting today with a home purchase, I'd take the 50 and pay it off far faster than a 15, while guarding potential risks."

Well, it turns out we kind-of-sort-of agree. I have been counseling many to advance "principal only" payments which so amazingly lessen the aggregate interest paid over the life of a mortgage.

After all, the root of "mortgage" is "death" -- in this case of paying someone else for yesterday.

I remember a bozo in the 70s who bought a truck and attached it to his 30-year house mortgage.

“And you get to deduct the interest from your tax return every year.”

It is deductible but not applicable for many as the standard deduction is so high.

In the early 50’s we lived in a 2BR, 850 sqft home.

Me and my three siblings in one BR.

For a time, one of my grandmothers fell on hard times making it five in that very small room.

Fyi

Before everyone gets all worked up over this try to remember that the average American moves every 5-7 years. Almost nobody pays off a mortgage anymore. And you get to deduct the interest from your tax return every year.

Derick Chauvin...he was almost murdered in jail.

My philosophy back when we had a mortgage was simple…

Take the 30 and pay it off in less time than the 15 with extra principle payments.

… but if hard times hit before it is paid off - loss of job, disability, death of spouse - you are only required to make a far smaller payment until the problem is resolved.

Been an extremely long time since since we’ve had any personal debts, but if starting today with a home purchase, I’d take the 50 and pay it off far faster than a 15, while guarding potential risks.

The problem with increasing home supply, outside of redeveloping areas where homes previously existed, is that it takes up valuable farm land. I’m living on what used to be a golf course, just over the county line from the larger city and its suburbs. The evidence is strong that adding all these homes out here has created some traffic nightmares, and the suburban community next to me is a perfect example of that.

Sprawl is a problem as well, especially when they want to cram as many houses into a small area as possible.

I pay no attention to them...............It’s what they want............

I pay no attention to them...............It’s what they want............