Lurker > streamofthesky

divot1338 posted...

Honestly Fat Donnie doesnt really understand what being in jail means. If for no other reason that he might finally understand whats about to happen to him he should spend a night in a jail cell.

No television, no one else to talk to, just a shitty mattress, orange jumpsuit and flip flops.

I'd feel bad for his SS detail, he'd try to talk to them all day b/c he has no internet anymore.

Funeral worker breaks into dead man's apartment to steal his sex doll

https://news.yahoo.com/funeral-worker-arrested-sex-doll-115458526.html

He even asked permission from the manager to retrieve it before he resorted to breaking and entering, and the request was declined

I find it so funny that in a game with (descriptions of; it's more like a VN than a game) cannibalism, demon summoning, mutilation, dismemberment, and so on...
The thing that's got twitter angry is the brother and sister having an incest route in the different endings.
It's like...so sadly American.

Uta posted...

https://store.steampowered.com/app/1989270/Slay_the_Princess/
Looks kind of bad. And while I hesitate to judge a book by it's cover I'm going to just suggest people play Slay the Princess as it's probably leagues better and not in Early Access.

That's not the game OP is talking about.
Both look really good. ManlyBadassHero has been playing both the in the past week.
I would say Slay the Princess is probably the better one of the two.

Renting for so damn long.
Could've gotten a house w/ some short term pain like a decade ago, certainly 5 years ago... and would've spent literally HALF what I had to in order to become a homeowner now.

I don't even want to think how far back I set myself financially. Hundreds of thousands of dollars easily, especially since my rent that entire time was really fucking high and basically turns into lost money.

"What if I don't stay in this job and want to move?"
"I don't want to have a starter home and upgrade later, I want my forever home when I get a house."
God, younger me was so foolish...

pedro45 posted...

But if they do?...
I want a chance to retire in a few decades

Make financial decisions with the assumption that social security won't exist when you're elderly. if it still does, then great you're totally set, if it doesn't....you're prepared.

What that means in practice is beyond doing everything you can to own your own home, no matter how small or crappy it is... divest yourself as much as possible from the economy. Save feverishly, cook everything at home, minimize your entertainment spending, don't travel.... Just put as little money into the economy as possible. Not only will it help you save up money, it'll hurt the corporations and rich ass holes that perpetrated this upon us by cutting into their profits. Think of it as an act of peaceful rebellion. Young adults are doing it in China already, it's called the "lying flat" movement, and it's panicking their government.

Maybe a stupid question, but...
Does the IRS actually go in and TAKE the money, or is it up to Trump to pay it on his own initiative?
Cause if the latter.... you know Trump's history. He's literally never even paying these minuscule fines.

Yes. Exactly what I did.

Shishiwakamaru posted...

With the ultimate goal of saving a lot of money compared to buying a house normally

Ha ha ha! No!

What is stopping someone from doing this? Zoning laws, difficulty of connecting to the grid, etc.

Any piece of land will say what it is zoned for if you look it up.
If your land is near existing houses, connecting utilities to it shouldn't be hard, just yet another expense. You can see if your state/county has online maps available showing the sewer and water "grid", and plan your lot purchase accordingly.
Or if there are no existing lines... you can get a septic tank and/or well, respectively. Requires that the lot be "perc tested."
HOA covenants even on vacant land can exist, because we live in the worst timeline, and limit what you can build. Mine had a fucking minimum square footage requirement that forced me to build a larger (thus, more expensive) house than I wanted, for example.
Builders charge more for "build on your own lot" than they do on their own lots/developments, many straight up don't offer it, and might charge extra fees if it's not near an existing job site.
Right now might be a better time to do it, I think they're drying up for business and more desperate. When I built, they were flush w/ work and almost no one agreed to build on my lot, plus the supply shortages meant getting appliances was hard so they prioritized finishing houses on their own lots so they could be sold off.

theAteam posted...

The amount of money saved is directly related to how much of the work you can do yourself. Do you know which permits to apply for and how to do them? Do you know a guy that's an architect? Got an inside track on a builder that'll give you discounts? etc...

I was looking at this route (being your own general contractor) when I struggled to find someone willing to build on my own lot.
Seems like a bad idea unless you're experienced building houses. The builders have all sorts of deals and relationships with sub-contractors and will usually get better prices for stuff that offsets their own overhead costs.
Plus...
1) If you still want a builder to provide any reduced services managing the project...good luck finding a legitimate one willing to do it. I explored that route, and just got a bunch of randos w/ phone numbers (no website, no business listing, etc...) who seemed like they would just vaguely tell me what I wanted to hear ("yeah, whatever you want, we can do it"). Sketchy as hell.
2) Using a normal builder, you have warranties and such in place to cover any issues the first few years (every new house will have some issues). If you're your own general contractor, then...

So.... can we haz budget now?

Hahaha....of course not. Johnson's first order of business will be trying to ram through budgets that strip a ton of social services and such, that no sane person (non-Republican) would ever agree to.

Yeah...Democrats fucked up not trying to be more assertive about a compromise.
No, it isn't their fault. No, they shouldn't have to be the ones to take the initiative. Yes, even the "decent" Republicans are awful.

But...they and us are the ones that get fucked in the end, when they sit on the sidelines and let Republicans coalesce around someone all on their own, because w/ R's the crazy always wins.

I'm so glad I abandoned Sony. What a fucking pathetic state they've reached. Was my favorite console each gen for years, what a shame.

Also sounds not that unlike the Xbone initial push to force periodic log ins to play games that (the prior, cool) Sony relentlessly mocked.
Oh, the ironing

McSame_as_Bush posted...

Ken Buck gave a convoluted answer on CNN about why he wouldn't support Jordan but why he is going to vote for Johnson.

I think if Johnson were the pick a week or two ago that he might not have had the votes, but people like Buck are now willing to walk back their principles.

Well, he has the benefit over Jordan of not (yet) getting MAGA deplorables to make death threats against their families.
So, he is objectively less terrible to them.

Tora_Sami posted...

My gosh, I wish they put emmer up to vote and the Dems helped him. But then I guess he would have been removed immediately if that happened.

Why?
That rule was added to get the Gaetz faction to vote for McCarthy.
If Emmer got Dems on board, they could remove that or make the threshold way higher (like 40%....too high for the MAGA brigade, but low enough for Dems to reach if he betrays their deal).
But Emmer's a spineless chump that gave up all his principles and shame to beg at Trump's feet, so I guess that dream is dead anyway.

pnut027 posted...

You really want the state executing people for what they did as minors?

"Yes your honor, he machine gunned 30 people in that mall, dragged two victims back to an abandoned building and tortured them to death for four hours until police found him, and thousands of images of pre-teen CP were found on his phone..."
"But he was 72 hours shy of turning 18 when all of that happened, so he's just an innocent little baby and thus can't be held fully responsible for his actions."

I just want to know where the fucking limit is. Is there literally no level of evil where you drop the "they're just minors" defense?

They stole at least four cars. They intentionally ran over at least two people and rammed at least one other car.
And they've been doing shit like this for long enough that they were confident they'd be out within 30 days.
As I said, one of them literally turned 18 by the time they actually found and arrested them.

This whole, "you're literally a child until the exact moment you turn 18 and are incapable of telling right from wrong" is a sick fucking joke.

Rika_Furude posted...

Whenever a case like this happens the punishment needs to be raised. They are obviously not remorseful and are too dangerous to allow back in society so anything less than life without parole is an injustice

They're "too young" for the death penalty or even life w/o possibility of parole.
Even though one of them turned 18 like a week after the fucking crime.

UnsteadyOwl posted...

These plea agreements require cooperating with the prosecution though. Are these rationalizations going to hold when and if Ellis or others who have taken deals testify against Trump in court?

I answered that in my last 2 sentences.

Trump is a fat 80+ year old that has to be tricked into eating vegetables and thinks exercise depletes a limited amount of lifetime energy.
He's not going to be around that long.
A decade from now, "betraying" him won't fucking matter, because he'll no longer be useful to the GOP and they'll swivel from him so fast it'll make your head spin.

streamofthesky posted...

"The Deep State had it out for me, I said whatever I needed to in order to escape their clutches."

Them "admitting" their crimes under threat of jail otherwise means absolutely nothing to MAGA.
Actually turning against Trump would ruin them (and even that would probably be water under the bridge a few years after Donnie's dead), but admitting wrong-doing carries no weight for them anymore. It's piss easy to conspiracy theory away.

"Called It" cat.gif

Didn't take long at all for the right to paint her as a victim of the Deep State (Soros).
admission of crimes means NOTHING to the modern Republican party. A lot of times, it's a badge of "honor", if anything.
Only actually following through on "betraying" Trump would get their ire.
And I maintain that as soon as Trump is dead or otherwise of no further use to them, they'll no longer care about that, either.

Oh, look. Zecht took the mask off

ZaruenKosai posted...

Israel is a fascist government run by a fascist, yes.. no ones undermining the word except those unwilling to call out the truth

Netanyahu is a right wing ass hole.
So are the UK's leaders for 2 decades straight.
The US oscillates between Democrats and right wing assholes (Reagan, GWB, Trump)
The entire West has a problem w/ right-wing ass holes getting power frequently / majority of the time.

Cutting off supplies during a military operation is one thing. (still fascist when the city you are cutting off supplies to is full of civilians.

EVERY city is "full of civilians"

I know you are nothing more than an IDF/Netanyu shill but this conflict did not start on October 7th.

I love how I get moderations for "trolling" just for re-posting the exact things the left has said, but your side is free to openly insult their opposition and nothing ever happens.
Contaminating natural resources and than forcing them to live in an open air prison for many years is fascist though.

decades of oppression will do that to you...

being kept in an open air prison your whole life might make you hate those who treat you like animals.. yes...

Yes, that's why they've constantly been attacking Egypt, which seals up its own border as well. Oh, wait...
"But...Egypt lets supplies through once in a while, it's totally different!"
And Israel provides them utilities and water.

God, what a crappy "prison" they're running that somehow Palestine ends up with thousands of rockets and guns and all that stashed fuel. Imagine if any other "prison" on earth was that unsecured.

And my comment was in response to someone saying Palestinians will hate Israel now...
As if they didn't already hate them so much that the second those "prison" walls came down they went on a murder rampage.

Anything that results in 100k dead children is unacceptable, whether its air strikes or a ground assault. That's not a military operation, it's a massacre of civilians.

How about an operation that doesnt result in the slaughter of innocents?

We keep asking you guys how Israel can wipe out Hamas while avoiding any civilian deaths when literally no military on earth has every been able to do that w/ urban combat and Hamas's entire strategy is embedding with and shielding behind civilians? Still waiting for that amazing plan.

2001mark posted...

Biden's military team is cautioning Israel about urban warfare 'branches' (where warfare decisions will lead next & what of Israel after occupying) & 'sequels' (obviously regional backlash to come, weeks-months-years ahead).
The US is trying to underscore to Israel the importance of thinking 3 steps ahead.

Yeah. Urban combat is hell, and that's in general. This is w/ Hamas, which has probably prepared for this for years w/ all kinds of traps and ambush points, and who will ALWAYS hide behind civilians as shields.
People are complaining about the bombardment and demanding Israel march in already. I guarantee they'll be whining 100x more if Israel ever actually does, and the soldiers who (shocker) don't want to die end up opening fire on any sudden movement, and "clear" a building by throwing a grenade in first.

VFalcone posted...

They're a bit late with that. Israel has already created the next 5 generations of Hamas with this attack. Many of the 1,500+ women who were killed were mothers or grandmothers who left behind sons, grandsons, brothers, cousins, nephews, husbands and/or friends who may want revenge. Many of the 2,000+ men who were killed were fathers who left behind sons, grandsons, brothers, cousins, nephews, husbands (do they allow that in Palestine?) and/or friends who may want revenge. Many of the probably 2,500+ kids who were killed had brothers, cousins, and/or friends who may want revenge. But most importantly, those kids left behind mothers and fathers who may want revenge. One angry mother or sister can steer many generations to Hamas, for example.

Needless to say, Israel definitely just created a hatred unlike anything else they've ever created in Palestine this time.

Yeah, the Palestinians sure didn't hate Israel already. Oct. 7th never happened. The decades of indoctrinating their children that Jews are evil never happened.
Israel ruined a chance at friendship w/ these counterattacks and now will have to deal w/ terrorists for decades to come. Unlike before.

I can't get over how utterly insulting to the reader's intelligence it is to call the median "another measure of the average".
What the fuck?
And it proves how bs that is, because the median is 1/10 of the fucking average!

The article proved 3 things:
1) The writer is a fucking moron
2) People are fucking poor (net worth of $192K w/ housing included is not good)
3) Wealth inequality is fucking insane, that the 0.1% push the average for everyone so much fucking higher from the median

EDIT: It's the Fed asserting this. Yet another reminder that the Federal Reserve is the enemy of the people.

BloodMoon7 posted...

Kira's methods aside, they were trying uphold what they felt was justice, at least at the start.

Light literally murdered a guy he thought was L in the very first episode, merely for mocking him and saying he'd be caught, because he was mad.

It took a few more episodes for him to off an entire FBI team sent to investigate Kira murders, that had done nothing wrong.

Light was NEVER doing shit for a good cause. He was always an egotistical monster from the very start, and the absolute definition of "High Intelligence, Dump Stat'd Wisdom".

Top 5 all time:

Xenoblade 1
Suikoden II
Radiant Historia
Chrono Trigger
Tie: FF6 and FF Tactics

Since X1 wasn't on the list, I went w/ Suikoden II

OrangeCrush980 posted... I think he was sticking to one game per series and chose Xenogears over Xenoblade 1 or 2.

FF6 and FF7 are both on the poll.

CableZL posted...

https://twitter.com/JakeSherman/status/1716913458741187065

Emmer is officially OUT

He didn't even last 1/10 of a Scaramucci.

Dude kissed Trump's ring then gave up when that didn't work, without even TRYING to talk to Dems...
God, their entire fucking party is vile and hopeless.
I genuinely think they'd sooner literally eat Trump's shit as a show of subordination before even considering a compromise w/ the Dems....

Still no charges for the false accusations, of course...
But at least she might get a hint of a sniff of a whiff of a scare of consequences for her assault. In that, she's charged, they'll offer her a plea deal, and she'll get some community service and probation.

Starks posted...

He's the most moderate candidate the GOP is offering up and he's already in leadership.

For that alone, he is expected to fail.

He could cut a fair deal w/ the Democrats and lose literally 75% of his Republican support and STILL coast to victory.
But we can't have that, can we?

Dark_Moon posted...

https://twitter.com/JennaEllisEsq/status/1702374708929290418

Basically taking the money and running.

So...is the court going to take that money from her, or did she literally make money off of this AND no jail time?

CableZL posted...

Agreed, good points.

Alex Jones said under oath that he peddles in lies.
His audience kept tuning in.

Fox News made a successful defense argument in court that "no reasonable person could consider our programming to be news".
Their viewers kept tuning in.

Just some examples of how much admission of wrongdoing in court "matters" to MAGA.

UnfairRepresent posted...

Anyone who votes present is a coward

Disagree.
Voting Present would be stunning and brave and get us Speaker Jeffries

CableZL posted...

I think one of the biggest things of value out of these plea deals is that they're being forced to admit that they were wrong for once. Them and millions of Trump supporters have been gaslighting the shit out of us for YEARS and NEVER showed any evidence to support their claims. All they had was made up conspiracy theory bullshit like that 2000 Mules garbage.

"The Deep State had it out for me, I said whatever I needed to in order to escape their clutches."

Them "admitting" their crimes under threat of jail otherwise means absolutely nothing to MAGA.
Actually turning against Trump would ruin them (and even that would probably be water under the bridge a few years after Donnie's dead), but admitting wrong-doing carries no weight for them anymore. It's piss easy to conspiracy theory away.

ejolson posted...

You guys really don't know how RICO works do you?

If Trump doesn't go to jail, do all of them get thrown in jail?
Or is their honest cooperation and "effort" all that matters?

Because anything less than the former is totally unacceptable, and like I said...I still strongly disagree w/ it. I'd rather throw an entire baseball team of Tomorrow's Republican Thought Leaders in jail for their crimes than trade it all away so a guy who'll drop dead in less than a decade anyway goes to jail.

EDIT: Let's put this a different way...
Michael Cohen agreed to testify against Trump and genuinely turned against him.... and he STILL served a jail sentence.
What's the difference between him and these people? That they remained loyal to Trump up till now? I'm not sure what message is meant to be sent, but I guarantee that's the message being received by the MAGA audience.

Does your wife work?
It's been my experience w/ everyone I know that stay at home wives don't appreciate/understand that if you work, when you have time off, you just want to fucking relax and not do anything (the proper term is "staycation"). I guess since they're home all the time, the idea of wanting to spend more time at home is alien to them?

Other than trying to get a partial refund and go home early, not much you can do about this trip now.
In the future...don't give her advance notice you're taking vacation. Tell her on like Thursday, "Oh, by the way, I had vacation time to use or lose, so I just took next week off" or whatever. If she wants to PLAN a trip, she can always discuss it w/ you and plan it in advance, but otherwise remove her ability to "surprise" you like this again.
I really don't know why she even needs a months-long heads up about your vacation plans if she hasn't expressed any desire to take one. I use mine on a whim, not b/c of this situation, but just b/c I...don't care? If I have time to use and feel like it, I just request it off w/o much notice.

UnfairRepresent posted...

What bugs me is these plea deals are absurdly generous

Meanwhile Trump will never spend a day in prison

This.
These plea deal announcements are starting to just piss me off more than anything.
ANOTHER fucker that isn't going to jail!

The only one that might go to jail is Rudy, b/c he's too high up to offer a plea deal (I bet the prosecutors will manage to disappoint us, though) but still below the Teflon Don and potentially accountable.

They're giving away all these hall passes just to hopefully toss Rudy and Trump in jail, both of whom are super fucking old even if they do go, so a long sentence is meaningless.
Meanwhile, all these FELONS being let go are middle age or younger, and will continue to terrorize our country for decades. We're watching the genesis of the next Roger Stone and Oliver North right before our eyes.

Inohira posted...

https://www.nbcnews.com/news/amp/live-blog/rcna121673

So basically useless.

God, he must be one of those people that wants to hold a "pre-meeting" meeting.
Except, the conference effectively already is a pre-meeting.
So he wants people to agree to a pre-pre-meeting (accept the winner of the conference before it happens) for the pre-meeting (the conference) of the meeting (the actual fucking Speaker vote).
Did I capture all that correctly?

CableZL posted... https://Twitter.com/mkraju/status/1716615022426665050?s=46

Some fear if they cant this time, more Rs will want to cut a deal with Dems to reopen House.

The horror! A bipartisan deal in an almost perfectly evenly split House? Oh no! Our way or the highway!

Chadawah posted...

I'm surprised some didn't vote for the Dem already. Either out of spite, or wanting to get the country working. They could tell their voters "we need a functioning government," or "better than us doing nothing. At least I'm trying to keep us alive."

Bruh, did you not see all the death threats they got from their own base merely for not voting for Jordan?
Imagine if some Reps actually voted for a Dem, how that unhinged base would react.

It'd be nice, but it's not happening. I think they're legit afraid for their lives if they did that.

Calwings posted...

Worst girl in Konosuba

No. Best girl in Konosuba!

shadow_dreamer posted...

Do people really not understand that a rule like this would change nothing? Very few of the reps are living paycheck to paycheck or even care that much about the ~170k salary, and any that did become financially troubled by this would immediately find themselves with dozens of lobbyists offering to help them out. Compensation and Lobbying need to be reworked from the ground up (and should be) before anything like this would remotely effect anything.

I agree, but it's also fucking bs that they literally do nothing and get a paycheck and all their benefits. They've spent all but like 3 days of the past 2.5 weeks on vacation.

K181 posted...

That seems nonsensical to punish the people that voted for the losing candidate, especially in a circumstance where voting for Gym would've been an objectively awful decision.

...Did you not realize that future Speaker Hakeem Jeffries had the most votes every single time thus far since McCarthy got booted?

K181 posted...

And if the expectation is for them to toe the party line or cross the aisle, the number of times a legislator crossed party lines to vote for another party's speaker candidate was extremely limited even in saner times. That's just advocating for Speaker Gym on the first or second ballot.

I don't see current Republicans being able to work together enough to even scrape together 213 votes so they can have the "moral victory" of surpassing Jeffries.

Once again, why are we paying these fuckers?

I propose a new rule: Every day, at least one Speaker vote is mandatory. Each day no new Speaker is elected, anyone that didn't vote for the candidate that won the most votes loses their pay.

And yes, I tailored the conditions to single out the Republicans while still keeping the text of the rule generic enough for plausible deniability.

theAteam posted...

Also kinda screws aisle passengers with overhead luggage.

Yeah, this is bull shit.

Just board back of the plane first and go in reverse row order. Why is that so fucking hard?

This solution sounds worse than the default.

ZannoL posted...

Kim Kardashian is unveiling the first campaign for the official launch of her brand Skims new line, Skims Mens and the guys she enlisted to model the first looks are looking super hot!

Funny how "body positivity" ceases to exist when it comes to male models and men's fashion.

meatlesshotdogz posted...

Not even 1 topic here about him and I dont even see his name in the news or headlines

did people lose interest or wat

God, I hope so

Like, I don't deny he was successful before it, but gawd damn did his popularity and income start exploding once the left's incessant complaints about him Streisand effected him off the charts!
I was downright pleading w/ people on 261, as someone who's always hated his guts ever since he destroyed the Man Show and made that gross Fear Factor show, and never found him talented at all, "please stop giving him attention!"

Well, shit

So.... Emmer or Scott is at least not total garbage, right?
Enough to limp thru another year before hopefully Dems retake the House (get your shit together, NY)?

solosnake posted...

I played through the first hour or so. This game seems like its pretty good.

You are telling me the original game didnt have any voice acting? It seems really well done

Yeah, voice acting was one of the good additions in the 3DS versions. I was fine w/o it, but they did a good job. Only thing that I didn't like w/ it was they gave the unnamed NPCs a grunt-like response instead of voicing their lines, and I'd honestly rather just have silence than hear the same grunts over and over. "Huh?" "Yeah!" "Uhh..."

Did you do Perfect or Append mode?

McSame_as_Bush posted...

He's represents a district in Pennsylvania, so if he said there was massive fraud he would face questions about the legitimacy of his own election. So nope, no issues here.

But...he didn't certify the PA election, implying there was fraud...in his own state that re-elected him.

McSame_as_Bush posted...

https://gamefaqs.gamespot.com/a/user_image/8/3/8/AASbx8AAE9lm.jpg

Not the biggest supporters of women.

If you can't accept objective reality, you're auto-out. so it looks like Emmer and Scott are the only possible viable options out of that field (extra special WTF? to Meuser for certifying the election that was a margin of like 13,000 votes but not the one that was over 10x that margin).
Here's hoping one of the two of them makes a power-share deal w/ Dems to end this farce...

ClayGuida posted...

Makes sense. Republican women can't get elected in close elections. MTG or Boebart would never get elected in a swing district. And Lauren's so bad, her incredibly safe district is currently viewed as a swing district.

I mean Nancy Mace talks about being in a swing district, then you look at how gerrymandered her district is.

How's Stefanik? I seem to recall her sounding reasonable at times, and I still think her citing Jordan's coaching job as she voted for him was a subtle troll to sink his nomination...

JoeDangIt posted...

Make some more Belmonts.

Seriously, this.

"You're the last in a lineage of an important family."
The first thought should always be, "well, not for long."
Not, "well, let me go rush out and risk my life to ensure said family line is erased completely."

Medium Well or Medium

I first heard of it b/c Daniel Tosh did a whole "Spoiler Alert" synopsis of it. It was hilarious.
Unfortunately, it seems hard to find the full 20+ minute version anymore, used to just be a comedy central website link, free to watch.... Now it's locked behind "Paramount Plus"? Fuck the modern streaming landscape....

CableZL posted...

All charges dropped, but he must cooperate fully

I can't fucking stand "ring leader culture" in prosecution

They'll let so many fucking scumbags go free just so they can try to get one guy for two life sentences instead of just one.
And in this case, the ringleader is Trump, so no one's ever going to jail.

These fuckers never learn their lesson, either. (well, they do: "I can do whatever I want and avoid all consequences!")

Going soft on Watergate gave us Roger Stone
Going soft on Iran-Contra gave us NRA president Oliver North

Right now we're watching the justice system go soft on most of the Perdue Pharma family and all but SBF from FTX. I wonder how those bastards getting a free ride out of jail will fuck us over in the next few decades?

MrResetti posted...

They funded it

This.
Question is ludicrous, they already "jumped in" long ago.

Real question is if they stupidly attack a US ship and draw us in. Israel on its own can't really attack Iran, and Iran is content to stick w/ chicken shit tactics of pouring weapons to terrorists to do their dirty work for them.

realnifty1 posted...

Have a bunch of extra cash that you can use to buy points and bring it down.

But then if rates drop back to 3% in a few years and you refinance, all the money you spent dropping from 7.6% to 7% or whatever becomes totally wasted from then on.
Buying "rate points" is expensive, and it's for like every 0.25% down for each "point" you buy.
If you have the extra cash, I think throwing more into the initial down payment (so the initial loan itself is lower) and overpaying your mortgage w/ principle payments early on is smarter long term, though I guess a detailed breakdown comparing both options (if you never refinance) would be interesting.

UnfairRepresent posted...

Vanilla sex can result in death

Who gets to decide that someone can't consent because obviously they're wrong since you disagree?

Courts somehow manage to navigate "reasonable standards" for stuff like manslaughter.
Someone dying in a freak accident or heart attack during vanilla sex obviously isn't a crime.
If someone goes to a dom and says they've always fantasized about being run over by a car (for example), I'd hope the dom would refuse.

And this discussion is only assuming the most "ideal" scenario where the sub is seeking it out. There are sick fucks out there that look to prey on people to live out their sadistic fantasies, and proving "whether the chicken or the egg came first" in court might not be possible. I'd rather it just be discouraged in general...