Impale the jews
Joined Nov 2023
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Loan Servicer: "Your monthly student loan payment is $480."
You: "Great. I’ve paid $480 every single month for 8 years straight. $46,080 total."
Loan Servicer: "Correct."
You: "So my initial $40,000 principal is paid off, right?"
Loan Servicer: "No, your balance is currently $43,200 due to daily compounding interest capitalization."
You: "I paid $46,000 on a $40,000 loan and I owe MORE than when I started?"
Loan Servicer: "You paid the interest fee to stay compliant. The principal was never touched."
You: "Can I declare bankruptcy like a failed corporation?"
Loan Servicer: "No. Federal law uniquely protects us from your insolvency."
You didn't take out an education loan.
You signed a lifetime garnishment agreement designed to yield interest forever without ever touching the balance.
You: "Great. I’ve paid $480 every single month for 8 years straight. $46,080 total."
Loan Servicer: "Correct."
You: "So my initial $40,000 principal is paid off, right?"
Loan Servicer: "No, your balance is currently $43,200 due to daily compounding interest capitalization."
You: "I paid $46,000 on a $40,000 loan and I owe MORE than when I started?"
Loan Servicer: "You paid the interest fee to stay compliant. The principal was never touched."
You: "Can I declare bankruptcy like a failed corporation?"
Loan Servicer: "No. Federal law uniquely protects us from your insolvency."
You didn't take out an education loan.
You signed a lifetime garnishment agreement designed to yield interest forever without ever touching the balance.
Zeb 摆烂
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Zeb 摆烂
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So we arrive at a crossroads, where we are forced to ask the question: Do you want gender equality, or do you want civilization?
One of the fundamental principles of civilization is that murder is not allowed. Once you allow it at all, it's a slippery slope to the point where nobody can sleep safely.
An illustration of the slippery slope is "assisted suicide", which was legalized in Canada. It took less than a decade before abuses emerged such as government officials pressuring children to agree to die without parental consent. If you extrapolate that out, you'd have mass extermination gas chambers inside of the century.
Civilization has rules, and when you begin abandoning those rules, you soon lose everything that made civilization ... civilized.
So what do you do if some large subset of the citizenry wants to abandon the rules?
You either take away their rights, or you lose your civilization. There's no third option.
One of the fundamental principles of civilization is that murder is not allowed. Once you allow it at all, it's a slippery slope to the point where nobody can sleep safely.
An illustration of the slippery slope is "assisted suicide", which was legalized in Canada. It took less than a decade before abuses emerged such as government officials pressuring children to agree to die without parental consent. If you extrapolate that out, you'd have mass extermination gas chambers inside of the century.
Civilization has rules, and when you begin abandoning those rules, you soon lose everything that made civilization ... civilized.
So what do you do if some large subset of the citizenry wants to abandon the rules?
You either take away their rights, or you lose your civilization. There's no third option.
Hahahahaha! Socialism is so cool lol
https://www.youtube.com/watch?v=b6f_6kpsv9I
Zeb 摆烂
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Zeb 摆烂
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Zeb 摆烂
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Zeb 摆烂
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Zeb 摆烂
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Zeb 摆烂
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jew tells Blair Cottrell that there's no end to diversity, your country will be endlessly flooded with migrants until you cease to exist.
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The early anomaly (picrel) was caused by the depression and world war. The late anomaly has been caused by the past two decades of war being waged against us by boomers and jews. That chunk of time in the middle was stable and normal. That's the world the boomers got to enjoy that they love to pretend was so austere. The average home price to income ratio in that era was about 4.095, using my own calculations. It's somewhere between 3.8775 and 4.3125 if anyone else wants to crunch some numbers. Anything you come up with is going to be far below the current ratio of 7.12.
Using the ratio from the sensible times when we were not a poor country, had easy access to good paying jobs, with rising generational wealth and growing life expectancy, with that ratio, that house should cost roughly 123k, new. I'm not talking about adjusting for inflation either.
I'm saying with the current median income of $83,730, and a home price to median income ration of 4.095, adjusted for proportional size, using the current average of 2000 sq ft, that house should cost 123k new.
Subtract from that 46 years of depreciation and account for the extensive repairs needed, and the house is now worth 70 thousand.
Using the ratio from the sensible times when we were not a poor country, had easy access to good paying jobs, with rising generational wealth and growing life expectancy, with that ratio, that house should cost roughly 123k, new. I'm not talking about adjusting for inflation either.
I'm saying with the current median income of $83,730, and a home price to median income ration of 4.095, adjusted for proportional size, using the current average of 2000 sq ft, that house should cost 123k new.
Subtract from that 46 years of depreciation and account for the extensive repairs needed, and the house is now worth 70 thousand.
Zeb 摆烂
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Impale the jews
Joined Nov 2023
