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Joined 1 year ago
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Cake day: July 14th, 2023

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  • They should include the interest rate they are using to calculate the mortgage. Based on what’s provided they are assuming around a 6% mortgage which is no longer available. Tack an extra $1,000 monthly payment onto that million dollar home and an extra $40,000 to your income to make it affordable. (Assuming debt/income ratio and income taxes)

    Did I miss anything?






  • Like any subject matter that is complex it requires someone to have specialized training to understand and navigate. We all have a working understanding of the legal system, but sometimes we need expert opinion. Few people are willing/able to master the subject matter so supply relative to demand is low.

    The legal system is complex because our world is complex. We are constantly expanding human endeavors (Space law wasn’t an issue until Sputnik) and changing current laws (Marijuana laws have changed in many states). It’s not just a matter of learning the law once - it is constantly changing and requires an expert to be always up-to-date.

    You’re paying $.25 for the piece of paper and $199.75 for the lawyer’s knowledge of how to file it.



  • I think there is going to be a greater push for KYC for social media as we are going to soon be inundated with comments and online activity by bots that is indistinguishable from humans and hyper taylored to its audience. All the stuff Russia pulled with election interference is going to be child’s play.

    There is also going to be an explosion of content. The same recipe page that took a human a day or two to create will be made in a second. Billions of recipe pages, billions of sports blogs, billions of comments…