Redscare867

That’s valid, but if it’s a dump I would have a hard time describing it as an asset, at least in the financial sense. But I suppose it could be if you’re willing to put in the work to fix it up.

Even if it’s not, houses appreciate 5% a year on average. Assuming average appreciation over 10 years that house is now worth ~163% of its original value. That means that the mortgage was taken out for ~61% of what a comparable house would go for today which assuming the same interest rate would be a fairly significant reduction in the monthly payment. You also have the potential to refinance to further reduce that monthly payment.

Or you could sell it and get that 10 years of equity + appreciation out in cash and that might be enough for a sizable down payment elsewhere.

TL;DR unless your parent’s place is a dump in a low demand area it’s an asset even if it isn’t paid off.

Roads that are safer for pedestrians and cyclists get more people out of their cars. Longer car commute times make people consider alternatives such as public transit, walking, or biking. Every additional person who isn’t in their car has an exponential decrease in automobile congestion. This is all relatively well understood within urban planning and traffic engineering.

I see. That is an entirely separate discussion. Whenever you bring up air conditioning on a thread about the ozone layer everyone is going to assume you’re talking about the refrigerants.

You realize that banning CFC’s did have massive implications on industry right? Most CFC use was industrial. This comment really just shows that you’re clueless on the history of this issue. Consumer air conditioning was far from the only casualty. If we had not banned CFC’s then the ozone layer would be in an absolutely dire state today.

The Montreal Protocol is literally proof that if international governments wanted to they could come together and stop industry from destroying the planet, and you think we should roll that back for air conditioning? Give me a fucking break dude.

That we should go back to knowingly destroying the ozone layer because the lingering effects of our previous attempts at destroying it haven’t gotten completely better yet and that has had bad effects on air conditioning. Won’t anyone think of the poor deprived people forced to sit in their cars that are a sweltering 70 degrees Fahrenheit?

Not familiar with the APS form factor, but is it possible to buy some of the canisters and bulk roll it yourself? You can buy large rolls of motion picture film for bulk rolling. Depending on the size of APS you may have to cut the film yourself. You will also very likely have to develop yourself as most labs won’t touch films with a remjet layer.

Edit: incase it wasn’t apparent you’d have to do this in a darkroom.

You and I have vastly different experiences of cities. I grew up in the middle of nowhere in a town of 5,000 and I would never even consider moving back to a rural area, or even a suburb. I own a house in a city that is on the list above, but I’d prefer to have an apartment in nyc. As for traffic, live in the right place and you don’t have to drive. I’ve been car free for years. I recognize that is not an option in a lot of US cities, but it should be. I also don’t really have any issue with crowds and I think the trash problem is very exaggerated.

I’m not saying that cities are better for everyone, but a lot of people genuinely prefer them.

Refer to the title of the info-graphic. Salary required to buy a home in the 50 largest cities in the US.

Obviously people with money exist in rural areas. I never claimed that there were no good jobs. I said if your industry does not exist outside of large cities then you are basically forced to live and work there. Take for example a hardware engineer for a tech company. They absolutely have marketable skills, but the work cannot be done remote thus without changing industries how are they supposed to move to a rural area?

If you have those same marketable skills you can make a ton of money in large cities. Senior software engineers can realistically make $300K or more in nyc. If they go into fintech then they can make absolutely absurd amounts of money. Even in traditionally wealthy neighborhoods like the uws or ues the median household income is $130k. They are not hurting for cash or sacrificing any sort of lifestyle to be there.

There is no way that this graphic isn’t including the entire metro area. The city I currently live in is on the list and so is the city that I am planning to relocate to. Prices shown do not accurately reflect the prices of houses/condos that I would consider “in the city”.

Roughly 80% of the population in the US live in urban areas. This graphic is already definitely taking the entire metro area into account, which can include fairly rural areas depending on the city.

People are very aware that rural areas are significantly cheaper. They are cheaper precisely because the demand is low. People either do not want to live there, or they cannot live there given the industry that they work in.

You also need to realize that with a more expensive metro area comes higher median wages, so you’re not necessarily even coming out on top living in a rural area.

I didn’t go into tech for the money, but after several years of grinding I’m definitely at the point where I’m only still in it for the money. I don’t even want to think about computers outside of work anymore.