@masklayer :blood_type_a:
smol late capitalism vent: mortgages
@vahnj If it did, I'd refinance to get out of it-- which would cost more money up front but would at least keep things more sane long term
smol late capitalism vent: mortgages
@vahnj They stop charging you once your equity (amount of loan paid off + property value increase) is greater than 20%.
We could afford to put down about 9% on this place, and after doing the math decided to put down 6% and spend the rest of it paying down other debts 'cause that saved us more money in the long run.
Thankfully, with the rate of property value increase, we should be able to apply to have the mortgage insurance removed next year.
smol late capitalism vent: mortgages
Mortgage insurance is an extra monthly fee you have to pay if you can't put at least 20% down on the purchase of a house.
A cheap house in the outskirts of a trans friendly metropolitan area will run you at least $500k (20% = $100k).
So if you manage to scrape together just enough to buy a "cheap" house in a place that won't kill you for existing, you will be forced to pay an extra $400 a month just because you're not rich.
(destroy capitalism)
job hunt
@Leucrotta Nice! Enforce those boundaries! ♥️
Charities, advice requested
@masklayer Oh - context: I was an operator on the TLL for a month or so (but had to stop to care for my own mental health)
Charities, advice requested
@masklayer I've heard arguments for and against the Trans Lifeline as a charity and both are valid for their own reasons-- at the end of the day, though, they're doing important work, even if it's far from flawless in execution, and the funds can help them improve, so my vote is for yes, it's a good charity to donate to.
@Jacel YES
alcohol
@masklayer Most shitty alcohols make drinking an unpleasant experience, but there are a lot of cheap alcohols that are quite palatable.
If I were mixing drinks on a budget, I'd get a decent bottle of inexpensive vodka (Stolichnaya or Stoli for short is a good option) and a couple of those flavor syrups, then go 2 parts vodka, to 1 part water and enough syrup to give it a nice taste. That'd be a ~25% ABV drink. Two of those should get you nicely tuned. ^^
@bea @IrisKalmia @kellerfuchs Thats solid.
@bea @IrisKalmia @kellerfuchs My thoughts: The potential for abuse is ever present in any feature set; the solution is moderation, and Mastodon's tools can be adequate if users use that report feature when they should :3
@IrisKalmia Also:
"Hey frens please look at this thing because of <specific reasons>"
Character design question
@KawaSeadrake (That's a new type of boy!!!)
Dragony plush thing! Friendly, non-binary, anarcho-syndicalist, ace.
Check out @mawr for my public account.