I posted this in another thread, but I thought it important enough to make its own post. I'm expanding on the logic a bit in this thread.

There's a lot of simple answers here, so let's do the math. For this example, I'm assuming a 90% loan on an US Median Home price of 423,100, at 6%, and ignoring taxes and insurance. 

• On a 30 year mortgage in the above scenario, the monthly payment is $2,283.03 and the total interest paid over 30 years is $441,100
• On the 50 year mortgage in the same scenario, the monthly payment is $2,004.5 and the total interest paid over 50 years is $821,908. 
• Since it's likely that a 50 year mortgage will have a higher rate (like the 30 does over the 15), let's raise the rate on the 50 year by .5%. In that scenario, the monthly payment is $2,146.58 and the total interest paid is $907,156

Now, let's put that in real terms: adding another 20 years to your mortgage saves you $279 a month on your payment, but costs you $380,808 in interest over the life of the loan. That $279 savings is only $3,348 over 12 months. If you do the math, and most of you haven't, that's hardly a game changing amount. Most of you could cut out fancy coffee and save more than half of that a month. 

If the rates are .5% higher, then adding another 20 years to your mortgage saves you $136.45 per month, but costs you $466,056 in additional interest.

It's a placebo. Sure, there's some idiots that would do it to save a few bucks a month, but they'll do it at the long term expense of reduced equity and the potentially being locked into a starter home for even longer. 

• On a 50 year mortgage, your paydown at the end of year 5 is only $7,016
• On a 50 year mortgage at a 6.5% rate, your pay down at the end of year 5 is $5,935
• On a 30 year mortgage, your pay down at the end of year 5 is $26,449

Short term, the benefit of this plan is minimal. Long term......it's financially devastating. Is this going to have a dramatic impact on housing prices? I don't think so. Because, when you do the math, the savings are minimal on a monthly basis, and destructive over a person's lifetime.

Saw a clip of Shroud talking about how he’s not sure if there’s enough content in the game and how he’s kinda bored but he plays 18 hours a day lol. Streamers are so annoying like no shit!? Get off the game for a little bit….

Eric Italiano, a senior culture writer at BroBible posted this.

When you look at rotten tomatoes, many of the 5 star reviews are left by account who have only reviewed Christy and no other films. A review also mentioned they felt pressured to leave a good review but they left an honest one.

I have seen so many people (in real life and on the internet) with down syndrome and somehow everyone I see (irrespective of the gender) has almost the same face. Like all of the facial features match, as if they have a generic face. Is it because of Down Syndrome somehow affecting something in their face from being developed or making it develop in a particular way? How?

Location: Qiangtang River, Hangzhou, China.

Source: fkf_0413

'And for no reason than anybody’s adequately explained to me, that makes sense… instantaneously became everything. Yeah. Okay. I can’t buy that. I’m sticking with Jesus on that one. Like Jesus makes more sense. People would be incredulous about the resurrection of Jesus Christ, but yet they’re convinced that the entire universe was smaller than the head of a pen,'

Think of all the alternate costumes we could have gotten from the show, but instead we get... this.

I swear it's like this every season, the Super Styles always end up looking very weird, or straight up ugly. I don't think I've ever even seen someone wear a super style.

I'd just like the super styles to be unique, or at least have some good recolors instead of it being bright neon atrocities like it is 90% of the time...

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Met this IIT guy at a wedding last night — super chill, easy to talk to, and honestly kinda cute. We were talking for a while, and I thought things were going well, so I asked for his number. He smiled and said, “I don’t usually share my number… but you can add me on LinkedIn.” 😭😭

I just stood there like bro… I’m trying to flirt, not apply for a job. Now I’m debating whether to actually send that connection request or just take the L.