The good doctor was already a copy.

I also hope the opportunists who don't really care either way figure out that it's a losing proposition to focus on trans rights as a populist way to gain votes. Then those who actually care about human rights can oppose the Nazis unhindered.

When the overton window is moved, we all (I'm cis) are at risk due to being in out groups. Move it back and the bigots become the figurative old man shouting at clouds.

Haha, I get that. I meant for me, it's more Indiana Jones in the mines on a trolley. Odd, someone downvoting your comment. Not me, just FYI.

Wesley snipes never attacked Indy?

Hopefully the wave of progressive dems that have been bundling through can start to boot out the transphobes.

No, were talking about a reduction in house prices and in increaee in borrowing rates. The current market conditions. Lol, you're misrepresenting my point and then saying it doesn't make sense.

House prices have dropped. Mortgated rates are up. A house that was 1 million early in the year costs 950k now. The mortgage for the person who paid a million is higher than the person buying at 950 now. Both will have the same rates (assuming variable).

No, they are not constant, and go up and down with rates. However, they are based on a factor of the purchase price, not the current market, like rent or a new purchase.

However, rates do go down often. We're at 15 year highs now, so the highest for most mortgages, and probably the most any have paid. However they are expected to drop next year again. Rents won't. Those paying the highest they have ever paid 10+ years into their loan are still paying less than the equivalent rent they would be paying if they didn't own.

I have a loan from 2013. It’s cheaper than rent, even with the higher interest rate rise. That’s the point. Rent rises with inflation and the market. Mortgages rise (and fall) with rates. Mortgages start off more expensive than rent, but end up less than rent after a number of years. And you have an asset at the end.

Rates rising cause drops in price as the people extending themselves to their max repayment have lowered borrowing capacity. However, the people who buy a cheaper house with higher rates end up the same in the short term and better off in the long run, compared to those that bought at lower rates recently and then had multiple rises.

You’re comparing the cost of a mortgage from 20 years ago, with 20 years ago prices. Do you know what rents were at both points in time? The homeowner that paid 1540 in 2006 is likely still paying that now, the equivalent renter pays closer to the mortgage holder paying 4540 and has nothing more to show for it.

It’s a failing in the system. Those that can afford to get on the ladder are set for life. The earlier, the better. Those that rent have a constant battle to keep up with rising costs. I have seen some financial articles that argue the opposite. It requires putting the difference between rent and mortgage and deposit into investments instead to take advantage of compounding interest. I don’t know anyone who does that. The people with investments seem to be the people with houses.

It kinda does, relatively speaking, in the long run. If you bought a house for 1 million at lower rates and the price goes up, you pay more than the next person who buys an equivalent house for 950k, at the higher rate. It’s still costly, but you pay less. When rates eventually come down again, which is likely, the person who paid less will still be better off then.

Rates are high and rising (compared to recent history), and prices are high and dropping. I’d prefer to pay the lower house price, than the higher. The rates end up the same for everyone over time.

Rents go up over time. Mortgages stay the same. So many renters end up paying more over time. The problem is the initial cost, both the deposit and the higher payment, compared to rent, for the first 10 years.

*gestures at everything.

On an individual basis when wages don’t keep up with inflation, it feels like a recession. When retail sales are down, services spending is down and business spending is down, except for ai, it feels like a recession.

I wonder if that could also be possible, albeit difficult, with a Firefox profile or some container settings.

Drug dealers the world over would beg to differ. So long as you get new users in larger number than dead users, line goes up.