It’s always a good time to buy if you are confident that you will live there for 3-5 years. Even pre 2008 crash, homes recovered in about 5 years.

The important part is avoiding becoming house poor. The payment you can qualify for and the payment you can afford are very different. There’s plenty of online calculators that can show you what a payment would look like. In many states taxes can increase dramatically after the first year, so be prepared to pay more in the future. For a down payment, 20% is ideal but often unrealistic for a first time buyer. More is better, but don’t clean out your entire account. You can put as little as 3% down, but that’s a good sign you can’t afford it if anything goes wrong

Approximately 90% of not liable for X signs have no legal basis. It’s purely a deterrent.

Orks have the best theming and get a lot of love in games.

I like the idea of Tau, join us for the greater good or die for it. Also it’s basically Gundam suits.

If you have clear nail polish that would probably work. Otherwise I’d buy a clear acrylic spray paint, probably glossy finish, but any would work.

Yes, saving is like a muscle you need to do it to get better with it. It’s far easier to turn 50/months into 200/month as your income grows, than starting at 200/month.

The best supernatural episode is the French mistake.

I used ruled.me and cavemanketo.com for most of my keto recipes. Ruled me is good for fancier dishes if you want something a little different, some can also be made for a week or frozen. Caveman has lots of simple casseroles that are great for portioning out and freezing or eating over a week.

Through the magic of the US government, more money actually can fuck them over. If they have more money than the government seems appropriate, they lose benefits and can be forced to pay back past benefits.

This is something that needs to be more common. Estate planning shouldn’t be a surprise for the survivors, dramatic will readings are a B movie plot device, not reality. You don’t need to do an annual reading of the will, but everyone should know the basics that’s involved.

Gen 2 was best, because of that miltank that they nerfed in later versions.

Weight loss is entirely about what/how much you eat, which makes it much easier to lose weight while single. Losing weight also makes you realize how poor your quality of life actually was at higher weights.

Inflation and deflation are mutually exclusive they can’t both exist at the same time.

Where do you think profit comes from? Spending is what makes profit happen.

No. Or at least not while inflation exists.

It’s only in a statistical sense. Combinations based off a few shuffles from a standard sorted deck would be fairly common in practice.

There’s also a lot of things that people ignored from this advice. No one said get literally any degree, art majors have been the source of unemployment jokes since before I was born. No one also said take 5-7 years or more to get the degree either.

Real estate can be a good investment, even pre 2008 crash. What can be dangerous is over leveraging. A primary residence isn’t really an investment, still worth buying though.

This works as long as you apply some level of thought to it. Digging a ditch with a spoon is hard work, it’s unlikely to help you get anywhere.

It’s a troll post that makes the rounds because it sounds intriguing and plausible while not being super dangerous. People will try it and realize it doesn’t work, then feel too stupid to post about it not working.

Labeling for ingredients and possible cross contamination concerns doesn’t require that milk warns about milk.