Let me ask you this, though- Are you taking that difference in your rent and throwing it into your IRA? I have decent financial discipline, but I have a hard time accounting for what disposable income I do have going into investments. Some have the financial discipline to throw every disposable dollar into savings, debt or investments, but I like to splurge with my disposable income.
Another related benefit of a mortgage (after a while of paying it), is that you can borrow against the equity if you need to. If something comes up, lenders see your principle balance as an asset.
In addition, there is the tax benefit aspect. I deduct the interest I pay on my taxes. While not a justification in itself, it is an auxiliary benefit that a percentage of my housing costs does provide the benefit. One should not get a mortgage for just a tax benefit, but it is a nice fringe benefit.
On a side note, the cost for my mortgage is actually LESS than what I would pay for an 2 bedroom apartment in my area. In fact, the house next door is rented for about 15% more than what I pay in a mortgage on my house. Of course this is limited to the area/situation, but it makes great financial sense for me in this regard.
So I assume that you are renting... In alot of places, you can get a house for a really good price. Even through this crisis, a 15 or 30 year investment in a house will pay off modestly.
At a minimum, you're not pissing away your monthly rent payments. At least you'll build some equity over time.
It doesn't make sense for everyone to buy a house, but it really sounds like you have the means. Certain types of debt should be avoided, but a mortgage for a reasonable primary residence isn't one of them.
You sound like you have a level head, which means you're probably evaluated your situation and your market. I would venture to say that very few people like you will have a long term impact based on the current housing situation.
Anyone who has already purchased one of these games, or who receives a copy from someone who has, has the right to demand this now.
Not exactly. The best you could get is a refund, as they could not legally sell you the game due to copyright/GPL violation. Ownership/licensing is pretty hairy, as there are multiple organizations that own different parts of the code. You as an end user who purchased the game don't have the right to use or even possess it...
Fact is that there is no job on this planet that is not attainable school or not, you just need to be able to convince the other guy that you can do it better than anyone with an attendance sheet from a University.
That sounds good in theory, but many organizations have job descriptions standards set by Human Resources, not the hiring manager. If the job description states that a degree is required, you'll never even get an interview in that case.
This is coming from someone with 12 years of IT consulting experience, and is finally finishing their degree in September.
So skirmishing and killing the men on the decks wasn't effective? It was quite hard to sink a wood ship, so not doing so doesn't mean it was ineffective.
Just by the fact that the Spanish tactic was to get close and board leads me to believe that Drake was pretty effective at countering.
How would your morale be if you could never get close, your guns couldn't hit, but you kept getting peppered by cannon balls?
That's a romantic idea, but it's not realistic or functional in today's world.
Did you know that your insurance company has an exact dollar figure on what your life is worth? Go talk to an actuary some time, and it's scary to think about how everything is trivialized into dollar amounts.
It's pretty transparent in normal life, but everything is considered a liability behind the scenes. It really only becomes apparent during lawsuits, insurance claims, medical care, etc.
The doctor could say, "The only treatment available is that you must listen to either Yoko Ono or Hanson songs for the rest of your life, or your junk will fall off."
We do have open container laws, but it's only not enforced in the French Quarter. That's also not the place that is indicative of true culture around here... Way too touristy...
I was actually walking down the street to a neighbors house with a beer once, and a cop was driving by. He made me pour it out, even though I was only walking 50 years. Needless to say I was a little peeved.
Having a concealed weapons permit, I had to take a class that focused a great deal on specific firearm laws.
Louisiana allows for open carry, but the instructor (a state trooper) cautioned that all it takes is a complaint for you to get arrested for it. The reasoning is that "disturbing the peace" trumps the right to open carry.
For better or worse, it looked to me that he's been dictating policy since the election was over. While he's only been officially in charge for a week, I don't know of another instance of history where a president elect was more powerful.
Slashdot Mirror
You need to ask a lawyer.
Please mod this up. Asking legal questions on an Slashdot forum is like asking 4chan for relationship advice.
Let me ask you this, though- Are you taking that difference in your rent and throwing it into your IRA? I have decent financial discipline, but I have a hard time accounting for what disposable income I do have going into investments. Some have the financial discipline to throw every disposable dollar into savings, debt or investments, but I like to splurge with my disposable income.
Another related benefit of a mortgage (after a while of paying it), is that you can borrow against the equity if you need to. If something comes up, lenders see your principle balance as an asset.
In addition, there is the tax benefit aspect. I deduct the interest I pay on my taxes. While not a justification in itself, it is an auxiliary benefit that a percentage of my housing costs does provide the benefit. One should not get a mortgage for just a tax benefit, but it is a nice fringe benefit.
On a side note, the cost for my mortgage is actually LESS than what I would pay for an 2 bedroom apartment in my area. In fact, the house next door is rented for about 15% more than what I pay in a mortgage on my house. Of course this is limited to the area/situation, but it makes great financial sense for me in this regard.
So I assume that you are renting... In alot of places, you can get a house for a really good price. Even through this crisis, a 15 or 30 year investment in a house will pay off modestly.
At a minimum, you're not pissing away your monthly rent payments. At least you'll build some equity over time.
It doesn't make sense for everyone to buy a house, but it really sounds like you have the means. Certain types of debt should be avoided, but a mortgage for a reasonable primary residence isn't one of them.
You sound like you have a level head, which means you're probably evaluated your situation and your market. I would venture to say that very few people like you will have a long term impact based on the current housing situation.
Anyone who has already purchased one of these games, or who receives a copy from someone who has, has the right to demand this now.
Not exactly. The best you could get is a refund, as they could not legally sell you the game due to copyright/GPL violation. Ownership/licensing is pretty hairy, as there are multiple organizations that own different parts of the code. You as an end user who purchased the game don't have the right to use or even possess it...
Fact is that there is no job on this planet that is not attainable school or not, you just need to be able to convince the other guy that you can do it better than anyone with an attendance sheet from a University.
That sounds good in theory, but many organizations have job descriptions standards set by Human Resources, not the hiring manager. If the job description states that a degree is required, you'll never even get an interview in that case.
This is coming from someone with 12 years of IT consulting experience, and is finally finishing their degree in September.
Yes, the "correct" word for a person who does what they're doing is cracker
No need to start throwing racial terms around.
She'd also find all those bugs crawling around.
You didn't have a 10mb hard drive for your C64, unless you were from the future.
So skirmishing and killing the men on the decks wasn't effective? It was quite hard to sink a wood ship, so not doing so doesn't mean it was ineffective.
Just by the fact that the Spanish tactic was to get close and board leads me to believe that Drake was pretty effective at countering.
How would your morale be if you could never get close, your guns couldn't hit, but you kept getting peppered by cannon balls?
Not true. When TNT played Die Hard, I was taken aback by the quality of the dubbing when John McClain said, "Yippie kay-a, my friend."
No, that's a giant polar bear turd.
That's a romantic idea, but it's not realistic or functional in today's world.
Did you know that your insurance company has an exact dollar figure on what your life is worth? Go talk to an actuary some time, and it's scary to think about how everything is trivialized into dollar amounts.
It's pretty transparent in normal life, but everything is considered a liability behind the scenes. It really only becomes apparent during lawsuits, insurance claims, medical care, etc.
It doesn't inherit all that heat?
Yeah, I know. Don't quit my day job.
That we know of.
Cue thoughtful music.
We just haven't found out about a few of them yet. Look how long the Madoff thing went on.
But it if I committed the crime, it would probably provide reasonable doubt.
Can you configure the settings of Firefox with Group Policy? Nope.
While Firefox is more secure for educated users, GPO's are often the easiest method for protecting users from themselves.
It's alot harder to plant fingerprints at a crime scene than it is to drop some random hair that you find (Long haired people shed worse than dogs).
I say you're not trying hard enough.
The doctor could say, "The only treatment available is that you must listen to either Yoko Ono or Hanson songs for the rest of your life, or your junk will fall off."
We do have open container laws, but it's only not enforced in the French Quarter. That's also not the place that is indicative of true culture around here... Way too touristy...
I was actually walking down the street to a neighbors house with a beer once, and a cop was driving by. He made me pour it out, even though I was only walking 50 years. Needless to say I was a little peeved.
Having a concealed weapons permit, I had to take a class that focused a great deal on specific firearm laws.
Louisiana allows for open carry, but the instructor (a state trooper) cautioned that all it takes is a complaint for you to get arrested for it. The reasoning is that "disturbing the peace" trumps the right to open carry.
Or shoot them and state it was self defense, as you thought they were throwing anthrax at you. Then eat them.
Mailman.
For better or worse, it looked to me that he's been dictating policy since the election was over. While he's only been officially in charge for a week, I don't know of another instance of history where a president elect was more powerful.
It's like going to the proctologist. I choose the one with the smallest hands.