#Budget Session 2023

[sanjeev-thakur]

Budget 2023 Highlights: Nirmala Sitharaman said that the Indian economy is on the right path and heading towards a bright future.

[thenewzpeg]

Political budget laced with a bundle of lies to cover up mistakes: Bommai

Bengaluru: Former Chief Minister Basavaraj Bommai said Chief Minister Siddaramaiah has presented a political budget laced with a bundle of lies to cover up his failures and also created a record of borrowing Rs 1.5 lakh crore while presenting the budget for the 15th time. Reacting to the state budget here on Friday, he said the budget had been used to oppose the Central Government and destroyed…

[krishijagranbengali]

Budget 2023:জনমোহিনী ঘোষণায় হাল ফিরবে কৃষকদের।জমি-বিতর্কে ফের বিস্ফোরক ব...

[justinspoliticalcorner]

Phillip Jackson at HuffPost:

Sen. Elizabeth Warren (D-Mass.) introduced a bill Wednesday that would give federal and state officials more power to hold police departments accused of bad behavior to account. The Enhancing Oversight to End Discrimination in Policing Act, led by Warren and in the House by Rep. Marilyn Strickland (D-Wash.), would strengthen the power of state attorneys general to launch investigations into police departments involved in civil rights violations if the Justice Department fails to act on them. The bill would also task the Justice Department with looking beyond “traditional law enforcement mechanisms” when providing reforms to selective police departments such as mental health support, civilian oversight bodies, and community-based restorative justice programs, according to Warren’s office.

Warren had introduced a version of the bill in 2020. This newest version of the measure would also revitalize the Department of Justice’s Civil Rights Division, granting an increase in funding to pursue civil rights investigations into police departments and other government offices accused of discriminatory practices. It would increase funding for the civil rights division to $445 million per year over a 10-year period. (For scale, the 2023 budget for the division was $189.9 million.)

Warren first introduced her bill following the death of George Floyd in 2020. That earlier draft also called for Attorney General Merrick Garland to rescind a 2017 memorandum from his predecessor, Trump-era Attorney General Jeff Sessions, that limited the DOJ’s ability to initiate consent decrees on police departments — a key way of stopping bad behavior. (Garland rescinded that memorandum in April of 2021.)

Nine senators co-sponsored the bill: Cory Booker (D-N.J.), Ed Markey (D-Mass.), Jeff Merkley (D-Ore.), Peter Welch (D-Vt.), Ron Wyden (D-Ore.), Bernie Sanders (I-Vt.), Chris Van Hollen (D-Md.), Tammy Duckworth (D-Ill.), and Mazie Hirono (D-Hawaii). Several civil rights organizations are backing Warren’s new bill, including the American Civil Liberties Union, the National Association for the Advancement of Colored People, the National Urban League and others.

Sen. Elizabeth Warren (D-MA) and 9 other co-sponsors in the Senate are supporting the Enhancing Oversight to End Discrimination in Policing Act to strengthen police accountability. Rep. Marilyn Strickland (D-WA) is pushing this in the House.

[kaidanworkshop]

Workshop Progress: January Update

Happy New Year Workshop Followers! The staff is excited to be back to business after a restful few weeks. We held a meeting last Friday to discuss the current Fun(ds) poll rankings, what scripts we want to prepare for the next session with Paul Warren, and what community script participation will look like in the coming months.

Additionally, as per our last update, we have also reopened staff applications for our Community Team! If you are interested in applying, please fill out this form. With that out of the way, here are the current standings for the new content options:

The current eleven packs adds up to 545 lines, with The Daedra Pack coming in as our runner up script in the event of any extra budget space. There's still two weeks until the poll closes at 11:59pm, February 1st, 2023, so make sure you vote for your favorite pack to be included in our 1.0 launch, and send it to your friends! You can find details for all of the different Fun(ds) options here, as well as the poll here. There are a few runaway winners that our Writing Team will begin work on in the coming week, which brings us to how we'd like to incorporate community input and feedback into our workflow process for script production.

During the beta livestreams in December, we were able to glean a ton of great ideas from the community that we ultimately turned into content packs for the Fun(ds) initiative. We want to incorporate that collaborative experience in the following manner:

Hosting dedicated investigatory livestreams via our Twitch with the community (that's you!) to not only continue beta testing, but to discuss and crowdsource ideas for the prioritized content (e.g. a stream dedicated to playing through the Thieves' Guild, to discuss possible lines or reactions Kaidan might have)

Taking the ideas and inspiration that we get from those streams, and incorporating them into our scripts, which will undergo our usual process of internal peer review

Hosting a second stage event via our Discord where we feature an excerpt of the script(s) in production and get feedback from the community on the current progress for final editorial review

Refining and finalizing the script for a future commission with our VA

To that end, the first of these investigatory livestreams will be this Thursday, January 18th at 2:30 pm CST/ 8:30 pm GMT for the Paarthurnax - Quest Expansion Mod, created by the talented Jayserpa.

With the completion of Kaidan's framework and the bulk of his beta testing complete, our goal for our 1.0 launch date on Nexus is May 2024.

We are incredibly humbled to have the extra money in the budget to begin creating original scripts for this project, and as always ask for your comments, suggestions and ideas as we continue to refine this creative communal process. We look forward to seeing you this Thursday!

[b-courageous1010]

What’s on my Radar

Feeling optimistic about 2023!

Been in a funk lately to push out productivity so I decided to take a fresh look at what I have going on what I need to keep on my radar. Going back to updating this monthly to reassess and see where I need to shift focus.

Health

Consume less Social Media

I have to be more conscious of the content I’m consuming

I can only take the other sites in small doses

Maintain Daily yoga sessions

Morning sessions

Start including bedtime sessions

Personal Finance

Finding ways to make my money work for me

Working on a stricter budget (Spending way too much in certain categories)

Travel Plans

Upcoming Trips

👩🏾‍🎓-✈️ Flight booked now just to pass this class

Touring the Grand Canyon

Family Vacation - Summer

Still looking for deals on tickets

Apparently it’s my project to find stuff for us to

Certifications/Career

Finance mentorship

Still waiting for applications

It’s 12 months long but you meet once a month (its gives Big Brother/Big Sister vibes and I actually like that)

Apply to Emerging Leaders Mentorship Program

This program is only 6 weeks and it’s jammed packed with interesting session for leadership skills and goal setting (Finance mentorship is less structured)

Role focus

For each job I like to have a goal of what I want to work on and for my current position is my business communication skills

Build effective organization skills

Build a solid foundation of understanding

I like the niche I’m in and I can make a career out of it (planning on staying for 3 and then assess if I want to continue)

Get as much hands on experience as possible

Prepare for new exam

Pricing materials

Plan to sit by October (if available)

Maintain Kanban for work

Maintain a habit of updating tasks when new sub tasks arise

Using it to keep my head on straight with side projects

Good things so far

Learning how to travel easier

Decided on photography as a hobby (great way to get me out the house)

Going to moms house every Thursday

Holy crap I finally made it to the last course for my masters!! (I had so many bumps and stops that I feels so good to be at the end!)

Journaling constantly but looking for new methods! (Suggestions always welcomed)

Proud of my progress and the person I’m becoming!!

Updated 2.16.2023

[charliethomascoxuniverse]

Charlie Cox: ‘I love being a superhero — I thought that ship had sailed’

Charlie Cox on the return of Daredevil, the joys of sea swimming in Dalkey and his rewarding character-driven work in RTÉ’s Kin

Kirsty Blake Knox   April 27, 2023 (X)

Charlie Cox is a busy man; he smiles widely from the back of a car as it ferries him from a physical therapy session to the set of Disney’s Daredevil.

“We’ve just kind of started, it’s really great. Pretty intense, hence the physical therapy,” he says.

Cox has returned to play Matt Murdock, the blind lawyer-slash-superhero.

The show started life on Netflix and ran for three seasons before it was cancelled in 2018.This resulted in an online #SaveDaredevil campaign which resulted in 400,000 signatures begging Marvel to bring him back.

It took a little time; a contractual clause prevented any characters from the Marvel-Netflix shows from appearing in any non-Netflix projects for two years after cancellation.

And now Cox is suiting up again in his Spandex costume, running around punching people in the face and fighting for justice. It’s a demanding shoot — the series is 18 episodes long. And he is a fan of doing as many of his stunts as possible.

“I kind of get involved as much as I’m allowed to and is appropriate. Obviously, the stunt team are professionals and there are things they can do that I can’t even get close to,” he says. “I feel like the name of the game is to get as involved as you can… it makes the scenes more realistic.”

Cox took on the role, which had once been played by Ben Affleck in 2015. At the time, landing the role came as a shock.

“I never thought of myself as being appropriate casting for an American superhero. That never really occurred to me,” he says. “And in my 20s, a lot of my friends, and a lot of British actors, had gone and done that already. So when I got to 30 I was pretty confident that ship had sailed. I was very fortunate to get a character that I’ve now been playing for almost 10 years. It’s unbelievable.”

Cox is a father to two young children (seven and three) but they are a little young to fully grasp the role their dad plays in the Marvel Universe.

“I’m not sure they quite understand… One of the books we read him (his three-year-old) is called Superbat. A bat who is a superhero. But that’s his only real understanding. And so he thinks that I’m Superbat,” he laughs.

Cox realised he wanted to be an actor while in school and studied at Bristol Old Vic drama school. His first big break came in 2007 when he starred in Stardust alongside Robert De Niro and Michele Pfeiffer.

He has performed on the West End and Donmar Warehouse, in dramas like Treason and took on the role of Owen Sleater in Martin Scorsese’s Boardwalk Empire. For Irish viewers, we can see Cox on our screens every Sunday night, as Michael Kinsella in gangland drama Kin.

It’s pretty unusual for Marvel Universe actors to appear in a homegrown Irish drama. But Cox’s wife is executive producing the series. When another project he was attached to fell through, he read the scripts and felt compelled to be part of it.

“I’ve been working probably 20-plus years, and there’s a handful of times where I’ve read a script and felt like I’m reading something written by a truly brilliant writer,” he says. “And that quality of scripts never ceased. Sometimes you can get a really good pilot episode. But then as you get deeper into the season, some of the writing starts to disintegrate a little bit, but with Peter (McKenna) that was never the case.”

Obviously, the scale of production is a lot smaller on Kin than other productions, but he says these productions can be just as, if not more, rewarding to work on.

“If you have a limited budget, the way you handle that is you write long character-driven scenes… So weirdly, the lower budget stuff often is more appealing. Because you get to really get deep into the character and the relationships and the dynamics… it’s sort of like theatre. So, from my point of view, sometimes that stuff is more appealing.”

He continues; “I’ve learned I’m not precious about my character’s involvement. I don’t care much if my character does cool stuff … what I care about is, ‘are they moving?’”

He says this is some of the appeal of playing Michael.

“This life that he’d come from…and now he’s trying to rekindle a relationship with his daughter. [The] vulnerability, and the desire, and the need to fundamentally change his nature. That was really exciting to me.”

Cox perfected his Irish accent by listening to the voice of former Dublin goalkeeper, Shane Supple. He got up to speed with Ireland’s gangland scene by listening to podcasts featuring award winning crime journalist Nicola Tallant.

“I was kind of blissfully ignorant of the whole thing,” he says. “When I actually read the first two scripts, I just thought it was all fiction and then I agreed to do the part and I started doing my research. I was like, ‘oh, shit, this stuff is happening. It’s current and it’s happening right now.’”

Despite the violent nature of the series, he found filming and living in Ireland to be idyllic.

He and his family were based in the seaside village of Dalkey — where Matt Damon was holed up during lockdown. Cox became a sea swimming fanatic while residing there.

“I absolutely loved being there… I had conversations with my wife about moving to Dublin because I loved it so much. It’s not really viable with my job… Season one, we’re in lockdown. We lived in Hanover Quay, which was delightful…

“Season two, we moved to Dalkey. I felt like it was one of the best kept secrets in Europe… I was swimming in Vico every day… I found it to be like a haven. And I would love an opportunity to go back at any stage.”

Cox is extremely polite and amenable. And modest — despite his success, Cox says he still suffers professional insecurities.

“I never think I’m going to be hired,” he laughs. “I read years ago that Christopher Walken always thinks his job he’s doing is going to be the last time he is hired. I don’t quite have that, but I certainly identify with it. I’ve never felt like ‘Oh, I’m always going to be hired.’”

He says this comes with some advantages, as it makes him more present.

“I’m filming in New York and I’m lucky enough that I’m still able to play a kind of a lead in a TV show,” he says. “You know, the time is ticking on that in a big way. And so I certainly don’t want to wish that away.

“It would be easy to kind of bemoan the amount of hours you have to work, and missing the family, but there’ll come a time where I would kill to be able to be the lead in the TV show. I think the trick is to really enjoy it while it lasts.”

As he makes his way out of his car and towards his makeup chair, I ask if he has any projects outside of Daredevil coming down the tracks.

“I’m going to be doing this until the end of the year. And then I’ll be back on the panic station wondering if I am ever going to work again,” he laughs.

~*~

[tame-a-messenger]

Ok I’m glad that we’re getting sword af again but I’m disappointed it’s audio only. Like is it bad that this announcement kinda ruined my day a bit? One of the things people like the most is seeing the cast interactions I mean a majority of the posts I’ve seen about sword af are about their interactions and reactions to things (and several posts about the seating arrangement for next season only to get no seating arrangement 😔). Also like I don’t really do podcasts. I can’t focus on audio only things for that long and (even though I’m definitely going to try to listen to season two) I don’t think I’m going to be able to listen to season two because I can’t focus that long when there’s no visuals. Everyone keeps saying budget is the reason for it to be only audio but smosh mouth and smosh Reddit stories are their podcasts but both of them have video too. Cut the video for smosh mouth if you have budget problems not the show where acting and reactions and interactions are so important. This is just going to hinder the sword af experience like I don’t understand why they did it?? I just can’t believe they delayed sword af season two for like 5 or 6 months only to make it audio only. I’m so sad that I’m probably not going to be able to enjoy season two as much because I’m not going to be able to get into it like I can when I can actually see everyone.

Also the wording really got me too like “rejoice!! 80% of what made sword af so good has been taken away!!! Hazzah!!!” Like wtf?! I keep seeing people saying we should be grateful we even get a season two and like yeah. I get that but also it’s going to be a completely different experience now and we have a right to be a little disappointed about that. Idk I’m just disappointed and a little upset but I’m going to give it a try and hopefully I’ll be able to enjoy it still

I’m happy it’s not dead in the water too, but at what cost?

Having it be audio only???? like how can you miss the point so badly?? 

THE FUCKING SEATING ARRANGEMENT POSTS IM GONNA CRY

I want to talk about the possible reasons they changed it to a podcast but I’m honestly too confused to even think of reason they would change it at all? Like it got similar views to most of the other content they put out at that time?? it wasn’t that different? And the community LOVED IT! 

“Everyone keeps saying budget is the reason for it to be only audio but smosh mouth and smosh Reddit stories are their podcasts but both of them have video too“

(maybe not so much Reddit Stories because they make bank $ off those videos) BUT SMOSH MOUTH?? Like we could have had at the very least 1 steady cam pointed at them (or if we want the very least- a recording of them in a zoom call (I’m assuming the reason it’s going to be audio only is because they’re filming sessions at home through zoom/discord??) I would literally take that over no visuals

They said S2 was dropping Dec 10 2023 (holy fuck I went to fact check and they removed the release date off the end of the video..)(I’m pretty sure it was supposed to be sometime in Dec) then they pushed it back with no new release date- THEN THEY TAKE BACK THE VISUAL ASPECTS????? WTF

Thanks guys, really, thanks....

“the wording really got me too like “rejoice!! 80% of what made sword af so good has been taken away!!! Hazzah!!!”

Actually had me seething. I can’t believe they phrased it that way. 

Don’t get me wrong. I love Sword AF. That’s exactly why I’m so pissed off about this whole debacle, they teased the FUCK out of S2 only to strip it down to the absolute bare bones. 

I just don’t understand why they would do this.

[talentisntgenius]

Bottoms (2023) but instead of a fight club they have a gaming club — Part 1.

headcanons(?), loose plot, and shenanigans.

The club was established a long time ago by Josie, PJ, and Hazel when the school started to require every student to be a part of a club.

PJ didn't want to partake in any club as they all seem to involve physical exertion and community service so she thought they could just make up their own and they ended up with a gaming club.

They had high hopes for the club in the beginning bc who doesn't like video games?! But it turns out three nerds endorsing the club didn't seem too appealing to the many students of Rockbridge Falls High.

They used to play different types of games until they decided to exclusively play Tekken bc it's PJ's favorite and everything PJ's demanding ass wants, she gets (/pos. she's princess).

Also bc there were only three of them and Hazel always seemed to go with whatever PJ wanted.

They play local tourneys... Oh, and they never win!

They get a ten dollar budget from the school which they use to buy food after participating in a tourney.

PJ is Lili main because duh! She's gay and dramatic.

PJ's adamant that she mains Lili bc she's 'hot and sexy' but really she just thinks her outfit is pretty </3

Hazel is Asuka main mostly bc PJ is Lili main lol she also mains Lars.

PJ thinks Hazel purposefully choses Asuka to piss her off bc Hazel always beats her.

Josie is Jin main but sometimes she plays Josie just because :)

Josie draws Tekken fanart/comics.

Sometimes Josie draws Asulili fanart to piss off PJ. She gives them to Hazel who puts them up in her bedroom <3

PJ believes Josie's a show-off for being a Jin main but Josie thinks it just shows how much of a loser shut-in she is.

PJ spams single moves when she wants to piss off Josie.

And yes PJ was definitely a button masher. When they were younger Hazel beat her twelve times in a row and she got so mad that she didn't talk to Hazel for a whole day until Hazel showed her what practice mode is actually for.

She grinded so much that time that she failed a test but it was all worth it when she finally beat Hazel. It wasn't that long until Hazel was, yet again, unbeatable to PJ.

Josie is defo the best out of all of them, she's naturally great at remembering combos.

Josie and Hazel loves discoursing/theorizing about the plot and characters with each other.

Hazel makes them club shirts every year bc she's the rich one.

Hazel loves experimenting with/building fightsticks.

Hazel likes to write down combos she find on YouTube and she shares it with the club when they meet.

Hazel also takes notes about what everyone needs to improve during their sessions. Josie takes notes when it's her turn.

And PJ thinks it's stupid, "You guys don't need to do all that. Literally, no one cares about this club but us. We could be not doing any of this and no one will care,"

When they got to senior year they were given a notice by the school telling them they were gonna shut them down and m cut off their budget if they don't rack up at least ten members and gain any significant achievement for the school.

"Fuck this stupid fucking school. Why can't we be ugly, gay, and untalented in peace?! Does that mean it's one dollar for each student? Do they think my Tekken expertise costs a dollar?!"

Luckily Hazel got Sylvie and Crystal to join. Annie's also there, she doesn't play, she just sits there and complain the violence.

Sylvie is Panda/Kuma main. Crystal is King main. Annie will play Julia but only if she's playing against Sylvie.

Hazel also got Stella Rebecca to join too but only cuz she told her about the tourney prize money.

Stella started out as a Chloe main until she saw PJ playing as Alisa once and got into her bc chainsaws ^-^ !

They're still missing three members and lo and behold— Isabel and Brittany joined the club.

[boxoftheskyking]

So you might want to buy a house

DISCLAIMER: all of this is based on my own experience, and I am in no way a real estate professional. This is just some stuff that I’ve learned and some steps that I wish I’d known more about in advance, in hopes that it might be helpful for some people. I might get some terminology wrong, or make mistakes, but hopefully the general info is at least kind of helpful

ABOUT ME: because real estate stuff is specific. I am 33, single, employed, and live in a city in Minnesota, USA. This is my first home purchase, so most of this is specific to being a first-time buyer. I’ve been renting in this area for 15 years. I closed on my house in August 2023.

NOTE: The real estate market is super weird, and varies hugely from region to region, neighborhood to neighborhood, and week to week. What shook out for me will not be what shakes out for you.

This is SO LONG, so it’s under a cut, and I hope you will take it with the good faith in was intended!

Where do I start?

So you want to get started but want to talk things over first. This is a good idea! Even if you have friends and family who have bought before, it’s nice to talk to official type people where you can ask any and every question and know they’ve heard way dumber questions than you could ever come up with over the course of their career.

Employee Assistance Program -If you work a job that has benefits, you might have what’s called an Employee Assistance Program (EAP). Some companies get it along with their health insurance as kind of a bundle, but a lot of people don’t talk about it or know about it. -EAPs are all different, they’re basically a resource hub that you might have access to if your employer covers it. Some things they offer are limited therapy/counseling sessions (usually around a specific need like a breakup/death/life transition), consultation about adoption, personal financial advising, and consultation on housing and buying property. -I used my EAP to find a bunch of organizations that work to support first-time home buyers. The one I went with, NeighborWorks Home Partners, is specific to my area, but there were other options listed. -I didn’t actually talk to anyone related to the EAP, I just logged in to a site that had a bunch of links. But I could have talked to someone if I wanted -If you work a job and have benefits like health insurance, retirement, dental, etc it’s worth asking whoever does your benefits (and HR person, general manager, office manager, etc) if there is an EAP. Again, a lot of people don’t really talk about it.

Homebuyer Education -There’s a bunch of different organizations that provide homebuyer education. I didn’t know many of the details about homebuying, and it’s super confusing and anxiety-inducing, so I found it helpful -There’s a few ways to do this—I did both a one-on-one consultation and an online class -The one-on-one consultation was free from the org I chose. We talked on Zoom and went over monthly budgets (which I didn’t really need to do, I make budgets for a living lolllll), a soft credit pull (will talk more about this below) and talk about what goes into a credit score, and all the different expenses that go into a house and what that might look like. At the end of the day, it gave me the first sense of what my budget for a house might be.  -They did a soft credit pull (see below), which gave me a sense of my credit. It was more accurate than a thing like Credit Karma or my bank. -One note about the consultation - my down payment assistance program (will talk more about this later) required me to redo it, because I did it over a year before closing. So depending on your programs you might need to pay attention to the timeline. I also got a certificate saying I did it that I submitted to my assistance program. (Redoing it meant like a 10 minute call where the guy just helped talk me through my closing documents) -It cost me $75 to take an online class that took a few hours. It was in 8 parts and included watching some videos, reading some short articles, and then taking quizzes. You had to get 80% right to pass, and you can redo it if you need to. It went over most of the things to know and had links to read more. I also got a certificate for that to submit, and it didn’t matter how much time had passed for my assistance program. 

Credit -I’m not going to explain everything about credit, because it is complicated -A soft credit pull is when they check the three major credit reporting agencies to get a general sense of your score. It’s not 100% accurate. -A hard credit pull is what lenders will do when you actually go in for a preapproval (more below). It will be the most accurate. A hard credit pull will have an affect on your credit score, so if you’re ever doing something that involves a hard credit pull, it’s best to do all of that within a month so that it only really hits once. -There are 3 credit reporting agencies, and your score will be different from each one. Why? no idea. They all have a different maximum number that your score can be. Why? again, no idea. It’s around 850 though. -Generally things get easier to do if your score is above 680ish. It’s not like you can’t get a house with a lower score, but sometimes there are other hoops to jump through. -I’m not very useful when it comes to buying a house with low credit, but I bet there are people who are!  -You build credit by owing money and paying it regularly. It’s annoying and dumb, but it’s the way it is. Paying rent on time builds your credit, having a credit card that you pay off every month builds credit, paying utility bills that are in your name builds credit. (Note: This stuff has to be in your name for it to count, so if you pay your roommate every month for the electric bill and it’s in their name, it won’t count. So if you’re in that situation, you may want to put something in your name like a card to build your score). Paying off a car or phone or student loan also helps. -I have really good credit, and I’m neither rich nor special. I just set everything to autopay, including my credit card bill. I use my credit card for most things that I just shop for in the world like groceries, etc, and then I have all my bills autopay from my checking account. How did people do this shit before autopay? I have no idea.

Mortgage vs. Rent -The benefit of paying a mortgage vs rent is that you’re building equity if you pay into a mortgage. This is a surprise tool that will help you later. Which means that if you are in a situation where you need money, you can borrow from what you’ve paid into your mortgage. So like if you get very sick or have a kid going to school or want to throw a big party, you could get a loan based on your equity -Equity is confusing, don’t ask me about it -For me, I pay a bit more per month than I did in rent at my last place. BUT mostly that’s because I’d been living in the same place for many years and my rent hadn’t gone up that much. One of the first things I did when considering buying is look at how much it would cost to rent a house like the kind I would want to buy. And those rents are over what I ended up paying monthly to my mortgage. -Keep in mind that you will be taking on some extra expenses that you don’t have as a renter (like maintenance, repairs, etc). Note: if you’re buying a condo, that’s different. I don’t know shit about that. -So for me, paying my landlord every month for him to occasionally (half-assedly) fix stuff (on his schedule, where he decides who to hire or how to do the work, where he is a stranger in my space for the duration) was not as appealing as me paying the bank every month so I can have some equity  -The first 6 months of owning a house feels like hemorrhaging money out of every orifice, but the majority of these expenses are one-time or rarely-reoccurring things. But I didn’t quite prepare for this the way I wish I had, so when you’re thinking about building your savings to buy a house, you’ll want to consider things like furniture, small repairs, pest control, duct cleaning, gutter cleaning, many many visits to a hardware store, realizing some of your stuff doesn’t fit the way it did in the old place and you have to get new things.... etc. 

The Money Stuff

Lenders -It might be appealing to start by looking at properties, but especially in a hot market that’s not what you want to do first -The first thing to do is to look at lenders! Lenders are basically the institutions that give you the loan to buy your house, and the ones you will be paying monthly for the 30 years of your loan (or until you sell) (or die I guess) -I talked to like 13 lenders, because I love an excuse not to move forward on scary things, so I just do research and research and research until I run out of steam. So i don’t necessarily recommend doing that. But you definitely want to talk to at least a few. -Lenders can be banks (like Bank of American, US Bank, Wells Fargo, etc), credit unions (like Affinity, RCU, etc), or smaller mortgage companies. -You can also talk to mortgage brokers, which are companies that have agreements with different banks or companies and can shop around on your behalf. -I got my list of people to talk to from: my consultation (above), friends who had bought/were buying, friends who like their bank/credit unions for other things -You’ll have a specific person you’re working with, so who that person is matters. -Things you’ll want to ask about 1. How is their communication? How big is your team? If you see a house on a Saturday and they need offers by Sunday afternoon, how likely is it that they will get your preapproval letter ready in time?  2. Are they good at explaining things to you? Do they work with first-time homebuyers a lot? Do you feel dumb talking to them? Are they mortgage nerds and genuinely seem like they care about finding you good deals and cool programs? 3. What are their interest rates at the moment? Know that this will change between now and the time you have the option to lock in, so don’t put too too much weight on this 4. Most importantly: What assistance programs do they have access to? Everyone has different ones, which we’ll talk about below. Don’t assume that because a bank is huge that they have a ton of assistance. Some small places have really great programs. Likewise, some of the banks that are more well-known for big ticket mortgages (like Jumbo loans for mansions, etc) actually have crazy good programs for low-income and first-time home buyers, because they need to show that they also work for the little guy -I ended up going with a small local mortgage company because they had a kickass program ($10,000 in down payment assistance that is forgivable in 5 years. So as long as I don’t sell my house in 5 years, I don’t have to pay that back). -You may be tempted to solely base your decision on who to get a mortgage from on the politics of the lending institution. This is a lovely instinct. HOWEVER, your mortgage can be sold to anyone at any time. Within a month of moving in, my mortgage was sold to Freddie Mac. I still pay the credit union that is the servicer of my loan, but it all goes back to the big guy in the end. So basically you have no control of where your money ends up. (or maybe you do somehow, ask someone else about that) -At the end of the day, you should apply to like 2-4 different lenders. Once you fill out your application, they’ll do a hard credit pull and look at all your income, bank accounts, etc, and they’ll pre-approve you for a certain amount of money. -This is really where you’ll get your house-hunting budget. There can be a pretty big range in what you’re approved for! One lender approved me for $220K (”maybe $225K” they said). Another approved me for $280K. You’ll want to pick a lender based on all the above information, along with the amount you’re approved for. Being approved for $280K doesn’t mean that’s what you should spend (you can, but I don’t recommend it), but it does mean that your budget can be more like $250K, compared for $225K. You’ll want to look around at your area to see what’s reasonable for you.

Downpayment Assistance -for a lot of first-time buyers, the downpayment (and closing costs) is the thing that’s standing between you and being a homeowner. So that’s what a lot of organizations focus on -The more you put down (i.e. pay right off the bat), the lower your loan will be, and therefore the less your monthly payment will be. So it’s worth it to try and pay down as much as possible -(Likewise, if you buy and house and then get a windfall and are like What do I do with all this cash, paying down your mortgage will save you money) -This is because you pay MORE in interest than you pay for your house, so the less your loan is, the less you’re paying in interest. If you find a way to pay off your loan early, you end up paying less interest! And you win against the bank! If you get a raise and are able to put even like an extra $100 towards your mortgage each month, that can cut years off your loan and build your equity more quickly, thereby cutting down on the interest you end up paying. So unlike paying more money to a landlord who will eat it with a spoon, maybe more in your mortgage early is helpful for you. -Lots of downpayment assistance (hereinafter DPA) is stackable! So you can qualify for multiple programs and use them all -Many have an income requirement (for one of mine, I need to make 80% of the median income in my area or less). -Many are location specific. Some of those you can look up in advance and try to focus on properties in those areas. Some are super super specific, like this block only, or these specific addresses. That’s true for one of my programs—whenever I was considering making an offer on a house, I’d email my lender and she’d tell me if that specific address counts for the assistance program -At the end of the day, I got $30K in assistance. $10K of that is forgivable in 5 years (so I don’t have to pay it back unless I sell in that time). The other $20K is from two separate no-interest loans. This means that if I sell the house, I have to pay back that amount. Ideally by that time I’ll have enough equity in my house that will cover that. -Interest rates are super high right now, so if you’re buying now you want to think about refinancing. Refinancing is basically when you negotiate a new deal with your lender. There are fees and things (I’ve never done it so IDK), but the benefit of doing that is getting a lower interest rate. So my rate is 6.25%, and in 5 years if the rate goes down to like 2.3% I may want to refinance so I’ll be paying less in interest over the course of my loan. -If you’re getting DPA that’s a loan, you will want to ask what happens when you refinance. They’ll probably tell you either you have to pay it back when you refinance (so don’t get stuck in that situation if you don’t have that $$$ on hand) or they’ll say it’ll be subordinated -this took me like weeks to get a straight answer on wtf is subordination. Basically, you pay your loans off in order, right, so you pay your mortgage and then after that you pay off your DPA loans. So if you refinance, then your mortgage ends up being “newer” I guess. So in order to put the mortgage back “on top” of the pile to pay off, so to speak, you pay that (and it’s interest) first, the DPA loans get shoved down underneath the mortgage on the list. 

Interest Rates -You can’t control interest rates. Honestly markets are so volatile and the world is so close to ending, I would say it’s not worth waiting for them to go down. Maybe they will, maybe they won’t. No one fuckin knows -So many global, political, circumstantial things affect these, and who knows what might happen. My friends happened to be closing during the time the debt ceiling almost freaked out, which was outside of their control, so they got screwed with a super high rate.  -After you get an offer accepted and you’re working on setting up your loan, you’ll usually get the offer to “lock in” an interest rate. Basically, if you have reason to believe rates will go down before you close, don’t do it. if you think they’ll go up, then do it. Who fuckin knows. I did it bc I didn’t think it was likely stuff would go down. And I haven’t looked it up bc if they did I don’t want to know -There are more complicated things you can do with interest rates, like “floating down” and APRs and other shit. Don’t ask me about them, I do not know.

Looking for houses

Realtors -Who your realtor is MATTERS y’all. Here is what a realtor will do: 1. Give you access to a Super Awesome online listing of properties (much better than Zillow! Updates constantly). They will set your search filters based on what you specifically want and your specific budget. That includes size, amenities, location, school district, garage, yard, etc etc 2. Arrange showings for you. Sometimes you might want to go to open houses, but you don’t have to wait for those to see a house. You tell your realtor what you’re interested in and they can set up a time for just you and them to see the place 3. Access houses with funky lil lockboxes. Heist teams should include realtors—I’ve seen my guy get into the weirdest of devices in no time 4. Recommend places to you 5. Talk on your behalf with the seller’s agents or the sellers themselves 6. Take you all the way through your offers, acceptance, all the way to closing (basically, most of the rest of this post) -I am really lucky that a friend of mine is one of the best realtors in town (in my humble opinon). It really worked out for me, because when it came to negotiating price and terms with sellers and their agents, people already respected him and his expertise because he was a known fixture in the field. I’m not saying that an early-career or unknown realtor is bad, but reputation can do a lot of heavy lifting for you (as you’ll see later) -My realtor, S, is not only a friend, but also someone who has owned, rented, built, remodeled, bought, and sold everything from high rise condos to alpaca farms to tiny houses built in shipping containers. That experience was super useful to me for a few reasons: 1. He was very very good at looking at a roof, foundation, or basement, and saying “absolutely not, this is a mess” —I could only rarely see what he was talking about because I know nothing 2. If I looked at a space and said “what if I wanted to add a shower there?” or “could I make this basement area a bedroom?” S was able to pretty accurately estimate what that would cost. So that became part of the math as we looked at places, which was really useful and saved me so much time doing research on my own 3. He’s a queer artist who grew up in a nontraditional family and has lived many fascinating and non-standard lives. I only mention this because when I wanted to talk about my future and what my home could look like, I didn’t have to worry about S making assumptions about what “family” consists of or what my “role” would be. And as a single woman who is looking to adopt, that really meant a lot to me! -(side note if you’re in the Twin Cities and want S’s info, hit me up) -The most important thing about working with S, for me, is that he never made me feel foolish. I gradually got really good at talking about and looking at houses, but even when I asked questions that were obviously, or made incorrect assumptions, he never treated me like I should have known the answers, or like the process was supposed to be easy. And the guy genuinely loves houses!

What to Look For -You’ll want to find a house that fits what you want your life to be, not necessarily what it is at this moment. So think about what you want your day to day to be like. Will you be working from home at all? Do you have or want kids or pets? Do you want to be a person who hosts out of town guests? Do you want to have band practice at your place? Do you want to host D&D? Large holiday meals? Do you want to garden? Grill? Have a firepit? Do you have a car, or do you think you will? Do you have physical access needs based on your body, like particular types of doorways, floors, stairs, size of spaces, etc.? Are there furniture pieces that are important to you that you want to plan around? (For me, I have an electric piano, and placing that was super important).

-I’m a single person, and I want to adopt a kid, and I know I’ll need a roommate in order to afford my mortgage. So it was vital for me to find a house that either had 3 bedrooms, or had 2 bedrooms and a 3rd could be easily finished/added. it was also important that my roommate would have their own private space that was decent size for me to charge rent -Think about all year round. I live in Minnesota, and you better believe snow was top of mind at every house. As a renter, my landlord was supposed to deal, with anything over 3 inches (did he always? of course not). Now it’s my responsibility. What kind of trees are around? Do you have big storms? You need to pay attention to big branches and power lines. Is it getting super hot where you live? You probably want to prioritize central air, or shade.

-On the topic of central air - It’s pricey to add it to a house that doesn’t have forced air heat, because you have to add all the ductwork. If that’s the case and you don’t have that $$$, you can either go with window units or something called a mini-split. It’s basically mini air conditioners that heat floors separately, but have a better range than a window unit. -Does the house have a yard you want to deal with? How about a sidewalk you have to shovel (woe unto you in corner lots) -How does bussing work for the schools in your area, if that matters to you? -Some houses will be empty. Empty rooms look smaller than rooms that have shit in them -Some will be staged. People who stage houses don’t fill them with STUFF, so you’ll notice few bookcases, coatracks, etc. Think about the stuff you have, not the stuff they put in the house. -You will be AMAZED at how some people live. Seriously. Some people have a giant ass oak tree literally leaning on their roof and just deal with it. Some people have 3 bedroom houses, and the only bathroom is only accessible by going through one of the bedrooms. Some people have their fridge down a flight of stairs from the kitchen. Some people have their laundry in the basement, but the only access to the basement is through an outside door. In some climates that’s fine, but I live in fucking Minnesota -I had the instinct when I started looking that I needed to be entirely open to everything, and not be too picky. After about two weeks of looking (and S had me going to like 4-9 showings a day some days), I got real picky real fast. This was helpful for S and helpful for me, so we weren’t wasting time on houses that weren’t contenders. I learned that the houses’ feelings did not get hurt by me not wanting to buy them -Likewise, I started out being entirely open about where I wanted to live. Anywhere in the Cities or near suburbs, I said. But then I went to see houses in these places and realized I did not want to drive that far to work, or that the only way to access places was by the highway, so if it shuts down or there’s a bad snowstorm, I’m stuck. -To that end, i found it really helpful to make myself a Google map (you can make some and save them) of where I go. I included work, church, my bandmates houses, bars I like to go to, and my friends’ houses. Then whenever I was considering a house I’d plunk it on the map and see how it lined up with the realities of my life. -We’ll talk about offers in a sec, but remember that people can technically list their house for whatever number they want. So it’ll be up to you and your realtor to decide what’s fair. I mention this here, because a house may be listed way cheaper than others on your list—there’s likely a reason for that, but if it looks promising, give it a try! It could be that the reason it’s listed low doesn’t matter to you (i.e. it’s next to an annoying business that you don’t mind, or doesn’t have a garage but you don’t have a car, or the other houses int he neighborhood have yards and this doesn’t). Or it could be the seller needs to move it FAST and you can take advantage of their situation. -If you’re a handy person, a cheaper house might be a great option if fixing it up to be what you want is affordable for you. (Again, this is where a realtor like S can be super helpful to come up with those costs). For me, I didn’t want to do jack shit to the house, and I knew I’d be paying for that. (not that I don’t have a whole spreadsheet of eventual projects....but that’s invevitable) -Likewise, it can be helpful to set your filters to include houses a bit above your budget. Some people list their houses WAY higher than they should, so if you see a property that’s been on the market for a while (when I was looking the market was hothothot, so “a while” could mean anything over a week/10 days. In a slower market, you’ll want to look at those that have been listed for 30+ days), it might be worth checking out and then offering low. Chances are the seller will need to reduce the price anyway if they’re not getting any bites, and you could get a good deal by jumping in before they do that. -IDK where else to put this, but measure the garage. I didn’t, and I discovered like a month ago that my car (a little compact Toyota) is too long for my damn garage. It’s not that I wouldn’t have bought the house because of that, but I could have included it in some negotiations.

Offers -So you found a house you like! Now the scary part. 

-You’ll get a sense of the market from your realtor, and they can usually advise you about how quickly you need to move on a potential offer. Sometimes a seller will give a deadline themselves: they call this “best and highest.” So they’ll say “we’re hearing offers at 3pm tomorrow” or “we’re asking for best and highest on Monday.” Generally that’s the cutoff for receiving viable offers. -In the market when I was buying, it was pretty common for houses to sell for 20-40K over the asking price. Again, some houses would be listed too high or too low, as I mentioned before, but on average that’s what I was working with. There were also a TON of offers on all the properties I liked. The lowest number of offers on a house I tried to get was 5, the highest was 19. That is kind of insane. In a slower market, when you’re not competing with that many people, you can offer closer to the asking price (or some people just say “asking” as in “20 over asking”) -The first thing I did when I decided to put in an offer, was to talk to my realtor so he could start getting the paperwork together. You can’t just email the seller and say “i want your house,” there are legal documents that have to be drawn up to make it a binding agreement if it’s accepted. -My folks bought their house without a realtor and did all the negotiating, etc, themselves, but they still needed a realtor friend to do the paperwork for them. If you go that route, you can probably do more informal offers, but IDK how that works. -The next thing I did was contact my lender for the following things: 1. I gave them the address and asked “Does this fall within certain DPAs?” 2. I asked them to run some numbers for me. Usually it was a version of: “What would my monthly payment be if I offered $240K and put down $5K in earnest money, and if I had $20K of downpayment assistance? How about if I offered $245K or $250K? What if I only put down $2500?” This helped me figure out what kind of offer I could reasonably make, and what it would actually cost me monthly if I got the house. 3. Then, when I decided what I wanted to offer, I would ask for a preapproval letter that includes the address of the property, basically saying “hey we’re a lender and we will give Jay a loan of $XX to buy this house, pinky promise” -I copied S on all my communications with the lender, so he knew what I was considering and he could give advice -(sometimes I saw a house on Friday and had to make an offer by noon on Saturday, leading to me trying to call my lender at 9am on a Saturday morning, which sucked. This is why knowing who’s on your lender’s team and how to contact them matters) -There’s no hard and fast way to decide on a good offer, because you won’t know how many you’re competing against. Sometimes your realtor might be able to chat with the sellers agent and find out how many people saw the property, if they have a sense of how popular it is, but sometimes you want. You want to be able to afford it, but also not go so low that you won’t even be considered. -Usually, your realtor will ask you to write a love letter to the house to include in the offer. “Dear seller, I love your house because of blah blah blah, I can see myself doing blah blah blah, specifics specifics.” Do these matter? I don’t feel like they do but whatever. Make a template and update it for each offer. -One thing to note about this is that you DO NOT want to give information about yourself regarding your status in a protected class (i.e. “we’re a young queer couple; I’m a neurodivergent person; I’m an immigrant/veteran/belong to X racial group”). It might seem like that would be helpful in certain areas, but sellers aren’t legally allowed to pick a buyer based on those things, so it ends up working against you.  You can talk about what you do as a job or as a hobby, if you’re an artist, if you’re a parent, if you have pets, if you know who else will be living int he house with you, etc. You can hint at things. But S was very clear with me about keeping it pretty general and about the house. -Once you’ve decided on the $$$ you’re offering, you need to decide if there’s anything else to add to “sweeten the pot.” For some people, that’s saying “my timeline is totally flexible, so if you need to close in a month that’s fine, and if you need to close in 4 months that’s fine.” A lot of people choose to waive inspections. -OHHHHHH Ye olde inspection. Dear God. -The inspection is basically a thing where you hire a professional to look at the house before you officially seal the deal, and they tell you if there are things you need to be concerned about. So if the inspector comes in and says “yeah this roof is going to cave in in a year,” you can use that in your negotiation and say “look, I’m going to lower my offer by $15K, because I will need a new roof in a year.” then it’s up to the seller to decide if they want to agree to that, or if they want to try again to find a buyer who hopefully would not get an inspection. -to “waive an inspection” means that you’re agreeing to skip this step -OK so my instinct was always “I will NEVER waive the inspection,” and a lot of people feel that way. HOWEVER, I did not get certain houses because the people who did offered exactly what I did and waived the inspection. There was a buyer who had made SEVENTEEN OFFERS and beat me out on a house, and they got that house after SEVENTEEN OTHER TRIES because they waived an inspection. -I did get an inspection with my house, which was lucky and also thanks to S being a great negotiator. -I waived it on one of my offers -I would say I’d be comfortable waiving an inspection if: 1. You or your realtor knows shit about buildings, codes, etc. S knew a lot, so was able to look at things like furnaces, windows, basement beams, foundations, etc etc. 2. The important parts of the house are easily visible. Usually this means an unfinished basement. if the basement is finished, you probably can’t see all the structural things you’d need to 3. You’re already planning to do a bunch of work on a house, so you’re offering a lower bid and budgeting to do renovations anyway -At the end of the day, it’s your call. More about inspections below. -Most people who buy houses have mortgages, meaning that they can’t just drop $250K on a house. However, some people got it like that, so they make what is called a cash offer. Cash offers will win out every time, because they are usually higher, are easier for the sellers, and will often waive inspections. Depending on your region and your budget, you may or may not see this. I got screwed SO MANY TIMES and so did my friends, by all-cash, no inspection offers. The majority of these are from people who are buying properties to rent out or Airbnb - they won’t live there so they don’t really care if it’s solid, and my budget range seemed to be about where rich people who don’t want to flip a house felt comfortable buying. It was annoying. -but hey if you got it like that, go for it. -Once you have all the terms of your offer figured out, your realtor will send you the official offer paperwork that you’ll sign (prob. digitally). Then they’ll send it over to the seller and be in charge of all that communication. If the seller comes back with a counter, or with questions, your realtor will bring that to you. They may advise you, but at the end of the day it is up to you what you’ll offer and what you’ll accept.

You got accepted!

-Holy cats, they said yes to your offer and your terms! This is a huge moment to celebrate! I cried! And obsessively looked at pictures of the house over and over -The seller may come back to you with some proposed adjustments. In my case they wanted to round the selling price up by $1K, which I agreed to. (IDK why they cared, but in the grand scheme that was fine). They also wanted to change some of the verbiage in the offer that didn’t actually affect anything. -The first thing you’ll need to do is put down the earnest money. That is usually held in a trust or something similar until closing. But basically, if you said you’d put down $5K of your own money in the offer, you have to prove you have it right away. So don’t offer to put down earnest money that you don’t have! -The higher this number, the more appealing your offer generally is -There are a lot of things that will need to wait until you close, so this period of time feels really weird -You’ll have a purchase agreement (along with any addendums or changes) that basically says “I’m Jay and I offer $XX, the seller agreed to the price and the terms, we’ll see how it goes from here and if it all goes well, this deal will go through” -I’m gonna say it now, don’t ask me about escrow. Escrow is basically like an account where money lives between you and the bank. You pay extra into this account so that if something happens and you can’t pay what you agreed, the bank still gets the money for a certain period of time. or something like that, I don’t know, it gives me a headache. I’m sure other people understand it better.

Next steps

Inspection -If you included an inspection in your offer/purchase agreement, you’ll want to set that up within a few days. (Don’t worry about booking “last minute,” inspectors pretty much always work on that kind of schedule. Very few people are booking inspectors weeks in advance. This was something I felt bad about, but it’s okay)

-Inspections are pricey, and usually have different packages that include different things. I chose to do the sewer scope bc I had a friend who found some crazy sewer issues and I didn’t want to deal with it. Your realtor can probably give you advice on what you might need. -Inspector look at a lot of things: all your systems (like heating, cooling, pipes, electricity, etc),  your windows, roof, foundation, gutters, attics, floors, plumping, appliances, etc. -They do NOT open walls/ceilings/floors, etc. So if it’s not visible, they won’t be able to report on it.  -They’ll send you a big ol’ report, and if you can be there with them they’ll do a walk through with you to talk over big issues. Your realtor should come to that as well, as they might have good questions. -After you have the information, you have to decide if there are any big issues that need to be addressed. The inspector will flag things that are a problem legally, but it’s up to you how much you care about them. Some will be easy fixes. Others might be deal breakers that mean you decide to walk away from the property entirely. Most things will be in the middle.  -Note that some things are legally “issues” but practically may not matter. There are certain outlets on the outside of my house that aren’t right, but I don’t intend to use them much and if it turns out I need to, it’s not that expensive to switch them out. My basement stairs are an absolutely death trap, but my laundry is upstairs and so i dont really need to use them much. I could spend like $4K to replace them, but I don’t care at this point, and it’s not a big issue for me. But legally they are terrible. -Some things may be an absolute problem that the seller needs to deal with before you’ll agree to by the house. -You and your realtor will come up with a list of things you want to tell the seller to fix before closing. They might fight you on some of them, and again that’s why the realtor being a good negotiator matters. -Generally, you want to ask for fixes on the important things, without asking for every little thing, so the seller doesn’t decide you’re too much trouble and they could probably back out and get a better offer that wouldn’t cost them as much in repairs. -for me, the garage door was busted so they defnitely needed to fix that. There was a pipe that was put in wrong that was a quick fix. And there were birds in the attic, so they needed to clear those out and go through and block up all the entry points in the room. All of these requests were reasonable, and the sellers agreed to them. -At this point, it’s up to you if you want to pay for a re-inspection (i.e. the inspector coming back to verify that they did all the work they were supposed to). I didn’t—instead I had them give me all the receipts from the work that was done along with photos and video of the work. That way if something is a problem in the future, I can contact the companies that did the work and take advantage of warranties, etc.

Home Service Warranty -Speaking of warranties! There’s a thing called a Home Service Warranty that you’ll need to decide on. Mine is through American Home Shield. Basically this is a warranty that covers things in your house. There are different levels of coverage, so some just cover the big things like windows/roof/furnace/water heater/etc. As you upgrade, it’ll include things like stoves, fridges, dishwashers, etc. -If you’re getting your own warranty, you basically pay a certain amount per month for the coverage. Then if any of the covered things break down, it get’s fixed for free (plus a small service charge. For me that’s $125). So if your inspector tells you “hey, you’ve got about a year left on this water heater” or “the furnace has some issues that might come up in a few years” you could save a BUNCH of money by having this coverage. -My realtor got this warranty included in my purchase agreement, so the seller is actually paying for a. year of my coverage at he upgraded level. This is SICK AS HELL and not every realtor will think of it—definitely mention it to yours. I didn’t even think of it as an option. Basically what this means is that if any of my stuff breaks this first year, I can get it replaced for very cheap AND I don’t even have to pay the monthly coverage fee. -When I moved in, my shower was broken. I tried to fix it, but the called AHS and I only paid $125 for a plumber to come look at it, order parts (which would have been pricey since my house is pretty old), and fix it for me. I hate my fridge, so I have a goal to break it this year so I can get a new one for free.

Appraisal -Okay, so you got the seller to agree to your fixes, everything is moving apace. It is time for the GOD DAMN APPRAISAL -(for many people, the appraisal is fine and is not GOD DAMN anything. For me, it was a nightmare and I didn’t sleep for like 2 weeks) -Okay so what is an appraisal. Basically, the seller said “my house is worth $XX” you said “I’ll pay $XX for it.” Your lender said “we’ll give Jay a loan for $XX.” But now someone else has to look at the house and determine if it’s a fair price for the house. This is what really determines the loan you’ll get (this is also why what you’ve gotten so far is a pre-approval. They’ve basically said “you’re capable of paying back a loan of $XX, but we need an outside agency to determine if this house is worth is”) -The appraiser will look at the house, inspection reports, and other sales of similar houses in your area. Ideally, this helps them determine if the price you and the seller have agreed on is in line with what is reasonable. -Banks are not going to give you a $400K loan on a potting shed in a ditch -It’s all complicated and this is where a lot of shit in the Housing Crisis came from -Basically, you want the appraisal to come at or higher than your purchase price. (if it comes in higher, do a little dance bc you got a deal) -If it comes in lower, you can be in trouble. That’s what happened to me. -A note about rules & regs - lenders cannot talk directly to appraisers. This is because of the housing crisis and all the shady backroom deals that were happening (i.e. if you appraise this house at this price, we’ll give you Mr. Appraiser Guy some kickbacks from the extra money we’re making in mortgage interest or whatever). In practical terms, this means it takes FOREVER to get messages to all the parties involved.  -If the appraisal comes in low, you can ask for a reappraisal. It’s up to the appraiser if they agree. There are rules about this. -What Happened To Me: OK so my house is in a historically Black and immigrant neighborhood (read, historically redlined). This means a lot of the properties here are undervalued based on other locations. In a hot market, even undervalued properties can go up in price in a big way. In a slow market, that doesn’t happen so much. My appraiser only wanted to pull comps (meaning comparable sales of similar houses in the same area) in my exact neighborhood. However, there hadn’t been any sales of similar size/age/etc houses in my exact neighborhood since last winter. Guess what the market is like in the winter in Minnesota! Fucking SLOW boy. So these comps were coming in like $20K lower than my agreed price. So my realtor and lender took a look and said “look, if we widen out a little bit to these nearby neighborhoods, we can see all these more recent sales that are closer to our price.” It took two weeks of back and forth to get the appraiser to agree to add some of these comps to the appraisal. He was really reluctant to look outside my immediate area, because my neighborhood is of “lower value” than the surrounding areas. Structural racism, baby. Not against me, but against my neighbors and everyone who’s lived in this area for the past 150 years. Hooray. Finally, I got a re-appraisal that was $8K lower than my purchase price. So I was in a pickle. I had an agreement with the seller saying I’ll pay $XX, while the bank is now saying “we’ll only give you a loan for $XX-minus-$8K.” So either I need to come up with $8K MORE of a down payment in earnest money, or I need the purchase price to go down. Or i need to find more assistance. HERE IS WHERE HAVING S MADE ALL THE DIFFERENCE. He went to the seller and basically used his status and significant experience to say “Look, you can either agree to lower the purchase price by $8K, or we all walk away. If we walk away, this means you have to re-list the house, wait for more offers. And then even if you get an offer as good as or better than Jay’s, that person will still need to go through the appraisal process. So...  you’ll probably be right back here. The only chance you have of skipping appraisal is if someone comes in with a cash offer, meaning they won’t need a loan and no bank is involved. But for a lot of the reasons the appraisal is low, those types of buyers (who often want rentals/vacation rental properties) ain’t looking to buy in this neighborhood.”

(or that’s what I imagine he said. It was probably smarter)

ANYWAY, all that to say a MIRACLE occurred, and the seller agreed to lower the purchase price of the house by $8K. I can tell you the whole story of how I found out over a drink sometime, but let me tell you I wepttttttt

-Anyhow, once the appraisal is good and you’re pretty sure the deal is going through, you gotta get insurance. call a bunch of places, figure out what coverage you need, see if it’s cheaper or easier to put car/life/etc in the same place. You have to have insurance if you have a home loan - basically the bank owns the house, so it’s in their interest to have it covered in case of disaster.

Closing

-I’m going to be quick on this, because it’s super technical and I only kind of understand it. -Closing is basically the day where you sign all the paperwork, after which the house is yours! Then you can start moving, renovating, decorating, whatever you want. -One of the things that’s part of closing is the Title and Title Insurance. Basically, you need to pay to have the paper that says you own the house, and then you have to pay for insurance on that piece of paper. Why. IDK.  -At this point there’s so many random fees and charges, I just kind of looked at the totals and made sure nothing was way out of range of what I expected.  -A few days before closing, you should have the following: 1. receipts/evidence from any fixes made to the house or a re-inspection report 2. Closing disclosures, which basically means any information that’s attatched to the deed for the home. This can include unpaid property taxes, any weird liens on the property, any easement agreements with neighbors you should know about, etc. 3. All the paperwork you will sign! -It is in your best interest to read ALL OF IT if you can. (the title person was surprised I’d read mine, which I found super worrying lol) -If you are buying a house by yourself, you will not BELIEVE how many times you will read “Jay, A SINGLE PERSON, is buying a house ALONE AND BY THEMSELF, as a SINGLE UNMARRIED ALONE PERSON” Very judgy. What are you, my grandma? -One thing about disclosures—it’s up to your title company to do research on weird shit that might be attached to your property. You can technically choose your title company, but I wouldn’t not recommend looking for the cheapest option if the company doesn’t have much of a track record. I had an issue come up with a payment the seller owed that was delayed, and my title company had to be the one that caught that. My friend and his husband got in trouble because some seller 5 years ago didn’t pay property taxes, and so the IRS came for THEM. The title company should have caught that before they closed and had it dealt with. They won’t end up paying it, but it’s a huge pain and they have to argue with the IRS which is never fun. -On closing day, you’ll do a final walk through with your realtor. This is your last chance to bring up any issues! You DEFINITELY want to do this walk through. If the seller left the door unlocked and an entire family has taken up residence in the living room, you need to know! If the contractor they hired to fix the plumbing knocked a new whole in the wall, you need to know! Don’t expect that the seller will tell you about any new issues that they caused. -This is your last chance to say “Hey, there’s a new major issue that wasn’t reporting, i ain’t signing shit until we re-negotiate” -If you find yourself in this situation (hopefully you won’t!) PLEASE don’t be afraid to say something! Don’t worry about how much time and money has already been put into it, or about calling out a seller who is acting in bad faith or fucked somethign up. This is your house! It matters! And your realtor should have your back. -But most of the time, the final walk through is fine! Then you go somewhere to sign all the paperwork. If you’re like me and have 3 different types of DPA, it will be two giant folders worth of paperwork.  -Once you sign the paperwork with the Title Company, they’ll put the paperwork through. After that happens, the bank should transfer the whole ass agreed amount to the seller. Also, if your DPA is in the form of other smaller loans from other sources, those should be paying to the seller at the same time. -in MY case, one of my DPAs took 3 hours to process for some reason, so I had the most anti-climactic closing ever. I signed everything, waited for an hour and a half, and then they were like “you can go, we’ll email you when you officially own the house” So I just awkwardly hung around and ate pancakes until I got the email. -Let’s say you have a relative who wants to help you out with your downpayment (Yay! Every little bit counts!) Or let’s say you’re living with someone who doesn’t want the house to be in their name, but they want to contribute to these initial costs. You’ll want to talk to your lender about this as soon as you know about it. There is special paperwork for “gifts” that basically let’s it go directly to you downpayment but it doesn’t count towards your income. So if Grandma Bob says “I got $10K for you” and you just deposit the check in your account and plan to pay $10K more in earnest money, that will suddenly look like you have $10K more money to your name, so might change how your loan and DPA shake out. But if you get Grandma Bob to sign a particular document and give you a certified check, you can just give that right to the Title person and it goes right to making your downpayment bigger, therefore making your loan smaller! Thanks Grandma Bob! -”Cash to close” is essentially what you are paying at closing via all sources. So that’s your downpayment (including all assistance) any gifts, your earnest money, etc. Sometimes you have additional closing costs. They may be covered by DPA, or you may be on the hook to write an additional check. You’ll know this in advance. -Hey, check it out, you own a house now! -(keep all your paperwork0 -They’ll give you a document you have the file with the city called Homestead filing, basically telling the city that you own a house and you live there.

NOW WHAT?

-Now I’m done telling you things. Feel free to DM me if you want to talk more, but also talk to professionals in your region who know things. -I started writing this post before I closed in July 2023. It’s now mid-November, and I’ve been living here for 3 months. Here’s some stuff I’ve learned that might be helpful: 1. It’s good to know what kid of walls you have (drywall vs. plaster and lathe, etc) because that determines how you can hang things on them. Also if you have plaster walls, just get a cheap magnetic stud finder. The fancy electronic ones often don’t work 2. It’s good to have a drill. It just is. 3. If there’s a big project you need done (say your garage is too short for your goddamn car), you may qualify for a home improvement loan from the same kind of orgs that give DPA. I’m doing it just because I don’t want to drop $3K in one go. Technically I have 4 years to pay it off, but I’m going to make larger monthly payments and pay it offer quicker than that.  4. We can talk about contractors and permit and zoning all day. Suffice to say, it’s good to look up who to talk to at the city about construction permits, and they can be both incredibly confusing and very nice. Often at the same time. 5. If you’re gonna have a roommate or partner or non-child family member who is paying you monthly to help with the mortgage, DRAW UP A LEASE. You want shit in writing, and they have rights as tenants that need to be respected. Many a relationship has been saved by PUTTING SHIT IN WRITING. (there are templates you can find) 6. FEELINGS: People always tell you “You won’t know how you feel about X until you do it.” Getting a dog, moving away from your folks, living with a partner, whatever. I am here as an old man to tell you, they are right. I had no idea I would have such BIG FEELINGS about this lil old house. When I come home and my roommate has the lights on and it has a glow, I feel so much that sometimes I cry! Setting things up, making decisions about organization, learning how to be in my space, means so so much more to me now than it ever did when I was renting. The stress is greater, too, because I have to make all the decisions! It’s exhausting! But every day in my house I am so happy to be here, I’m so glad my other offers weren’t accepted, because this is the best of the houses I looked at. It is my 117 year old baby and I love it forever.

Also I never want to do this again lol I’ve decided to die here.

[mariacallous]

Two top PiS politicians, one of them the former interior minister, are jailed, in what could become a major battleground for the former ruling party as it attempts to force early elections.

On Wednesday morning, the former Polish interior minister Mariusz Kaminski and his ex-deputy, Maciej Wasik, woke up in prison in eastern Warsaw after the police had spent the better part of the previous day trying to arrest the duo to serve sentences for crimes they have already been found guilty of, but for which the opposition claim they should not be imprisoned.

On Tuesday, the police tried to implement a court order to arrest the two Law and Justice (PiS) politicians, who were sentenced in December 2023 to two years in prison for abuse of power committed in 2007 while running the Central Anti-Corruption Bureau (CBA), but the move turned into something out of a political thriller.

With PiS politicians protesting the arrest warrants, and Kaminski and Wasik themselves arguing they are “political prisoners”, the PiS-allied President Andrzej Duda invited the two to a ceremony at the Presidential Palace, taking photos with them as police officers were busy searching their homes in another part of the Polish capital.

Kaminski and Wasik ended up spending the whole day at the Presidential Palace. And it was only in the evening, at around 19:30, that the police decided to enter the palace and arrest the two.

Duda and his supporters point to the fact that the two politicians were pardoned by the president shortly after the populist-conservative PiS came to power in 2015. However, the Supreme Court, the new government that won the October election and legal experts argue that the president’s act has no legal consequences, as the original 2015 court ruling had not yet been made final (only the December 2023 ruling was final).

This is one of several flashpoints many had foreseen when the alliance of three opposition parties won Poland’s October 15 general election and promised to reverse many of what opponents regard as PiS’s anti-democratic policies.

The stakes for the PiS camp and Poland could not be higher. On the one hand, with the new government setting up three separate parliamentary commissions to investigate potential abuses by the previous PiS government – including the use of the Pegasus surveillance software to spy on political opponents – many of its politicians fear going to jail themselves eventually. More immediately, observers are warning that PiS could try to use the arrests of Kaminski and Wasik to force an early election just months after it lost the previous one.

‘Political prisoners’

Kaminski and Wasik were elected to parliament on the PiS list in the October general election, but in December the two politicians were convicted for orchestrating a scheme, including the use of intelligence agents and falsifying of documents, designed to bring down a political opponent. The two argued they were “fighting corruption”; the judge ruled the means used were illegal. The sentence is final.

Szymon Holownia, the marshal of the Sejm, declared their mandates were invalidated by the court ruling and terminated their voting privileges. However, PiS insists the two should remain in parliament and can vote.

A chamber of the Supreme Court ruled on Wednesday that Kaminski was indeed no longer an MP after Kaminski had appealed Holownia’s decision.

Kaminski and Wasik themselves had announced their intention to vote during a new parliamentary session that was set to begin on Wednesday, but which Holownia has since postponed to next week.

Crucially, parliament has to vote on a new budget in this coming session, and the new government has only until the end of January to bring the budget to President Duda for approval. Duda, who cannot veto the budget, can nevertheless send it to the Constitutional Tribunal in the event he has legal doubts and thus delay its adoption. Experts say Duda could invoke the exclusion of the two PiS politicians from voting as a reason to send the budget to the Constitutional Tribunal, which the EU regards as an illegitimate and politicised body after PiS appointed its allies to it.

In such a scenario, Duda could eventually claim the deadline for adopting the budget has been breached and call for an early parliamentary election.

While both sides of the political camp await the next developments, PiS has been mobilising to push a narrative in which it is depicting the attempts by the new government to “clean up” after PiS as totalitarian acts, with the former ruling party now a persecuted minority.

There was a similar flashpoint when the new government in December changed the leadership of public media channels, which during PiS’s eight years in power had become government mouthpieces. PiS and its friendly journalists organised occupations of some of these media institutions, while hundreds of supporters protested outside.

On Tuesday night, PiS politicians, including leader Jaroslaw Kaczynski, showed up at the police station and called on their supporters to join them. Hundreds also protested in front of the Presidential Palace. Later that evening, Kaczynski went to the detention centre where Kaminski and Wasik are being held. On Wednesday morning, some Polish media reported Kaminski had gone on hunger strike.

“It is an unprecedented scandal that Mariusz Kaminski and Maciej Wasik are in prison,” Kaczynski told supporters. “They are the first political prisoners in Poland since 1989. Those who are responsible for this will suffer the consequences.”

Jacek Sasin, a former PiS minister, called the arrests a “coup d’etat”, while PiS euro-parliamentarian Zdislaw Krasnodebski described Tuesday night’s events as a “police attack on the Presidential Palace.”

Key politicians in PiS are now calling on supporters to protest in Warsaw on Thursday afternoon, and local structures of the party have been engaged for days in organizing transport from across the country for those willing to attend.

According to a press statement issued on Wednesday morning, PiS representatives say they expect tens of thousands to attend.

[thenewzpeg]

Statement on Karnataka Budget By Former Health and Medical Education Minister Dr.K. Sudhakar

Bengaluru: The budget presented by CM Siddaramaiah proves our allegation that the Congress Govt has no money for development and capital expenditure. Let me give you an example. The budget speech says Rs.400 crore will be allocated for construction of new medical colleges and purchase of equipment. This is inadequate and unrealistic. During BJP govt, in four years we built four new medical…

[dontmeantobepoliticalbut]

A bipartisan group of lawmakers led by Sen. Bernie Sanders introduced legislation Wednesday that would require the Pentagon to return a portion of its enormous and ever-growing budget to the Treasury Department if it fails another audit in the coming fiscal year.

The Audit the Pentagon Act, an updated version of legislation first introduced in 2021, comes amid mounting concerns over rampant price gouging by military contractors and other forms of waste and abuse at an agency that's set to receive at least $842 billion for fiscal year 2024.

"The Pentagon and the military-industrial complex have been plagued by a massive amount of waste, fraud, and financial mismanagement for decades. That is absolutely unacceptable," Sanders (I-Vt.) said in a statement as he unveiled the bill alongside Sen. Chuck Grassley (R-Iowa).

"If we are serious about spending taxpayer dollars wisely and effectively," said Sanders, "we have got to end the absurdity of the Pentagon being the only agency in the federal government that has never passed an independent audit."

In December, the Pentagon flunked its fifth consecutive audit, unable to account for more than 60% of its $3.5 trillion in total assets.

But congressional appropriators appear largely unphased as they prepare to raise the agency's budget to record levels, with some working to increase it beyond the topline set by the recently approved debt ceiling agreement. Watchdogs have warned that the deal includes a loophole that hawkish lawmakers could use to further inflate the Pentagon budget under the guise of aiding Ukraine.

Late Wednesday, following a lengthy markup session, the House Armed Services Committee passed its version of the National Defense Authorization Act, which proposes a total military budget of $886 billion. Rep. Ro Khanna (D-Calif.) was the only committee member to vote no.

A huge chunk of the Pentagon's budget for next year is likely to go to profitable private contractors, which make a killing charging the federal government exorbitant sums for weapons and miscellaneous items, from toilet seats to ashtrays to coffee makers.

"Defense contractors are lining their pockets with taxpayer money while the Pentagon fails time and time again to pass an independent audit. It's a broken system," said Sen. Ed Markey (D-Mass.), a co-sponsor of the new bill. "We need to compel the Department of Defense to take fraud and mismanagement seriously—and we need Congress to stop inflating our nation's near-trillion-dollar defense budget."

"Putting the wants of contractors over the needs of our communities," he added, "isn't going to make our country any safer."

If passed, the Audit the Pentagon Act of 2023 would force every component of the Defense Department that fails an audit in fiscal year 2024 to return 1% of its budget to the Treasury Department.

A fact sheet released by Sanders' office argues that "the need for this audit is clear," pointing to a Commission on Wartime Contracting in Iraq report estimating that "$31-60 billion had been lost to fraud and waste."

"Separately, the special inspector general for Afghanistan Reconstruction reported that the Pentagon could not account for $45 billion in funding for reconstruction projects," the fact sheet notes. "A recent Ernst & Young audit of the Defense Logistics Agency found that it could not properly account for some $800 million in construction projects. CBS News recently reported that defense contractors were routinely overcharging the Pentagon—and the American taxpayer—by nearly 40-50%, and sometimes as high as 4,451%."

Further examples of the Pentagon's waste and accounting failures abound.

Last month, the Government Accountability Office released a report concluding that the Pentagon can't account for F-35 parts worth millions of dollars.

Earlier this week, as The Washington Post reported, the Pentagon said it "uncovered a significant accounting error that led it to overvalue the amount of military equipment it sent to Ukraine since Russia's invasion last year—by $6.2 billion."

"The 'valuation errors,' as a Pentagon spokeswoman put it, will allow the Pentagon to send more weapons to Ukraine now before going to Congress to request more money," the Post noted.

Sen. Ron Wyden (D-Ore.), chair of the Senate Finance Committee and a supporter of the Audit the Pentagon Act, said Wednesday that "taxpayers can't keep writing blank checks—they deserve long-overdue transparency from the Pentagon about wasteful defense spending."

"If the Department of Defense cannot conduct a clean audit, as required by law," said Wyden, "Congress should impose tough financial consequences to hold the Pentagon accountable for mismanaging taxpayer money."

[astoundingbeyondbelief]

Kaiju Week in Review (February 12-18, 2023)

Kadokawa has revealed the core cast and crew of Gamera Rebirth, and everyone's already despairing at Hiroyuki Seshita (co-director of the Godzilla anime trilogy) landing in the director's chair. Worth noting, of course, that those movies were low-budget productions meant to plug the gap between Shin Godzilla and Godzilla: King of the Monsters and thus could afford to experiment, whereas the future of the Gamera franchise is riding on this show. And ENGI seems to be primarily a 2D animation studio—basically, don't expect a redux. I was also amused to see that there are characters named "Joe" and "Brody", which together form the name of Bryan Cranston's character in Godzilla (2014). So one of the writers is probably among the droves who didn't care for how quickly he was killed off.

Here's the latest episode of Godziban, in which Girly Garlin breaks out the bedazzled dual chainsaws and Gigan draws upon his many training sessions with Little in a rematch against King Ghidorah. This is the 13th episode of season 4, matching the length of the last two seasons, but I doubt this is the finale.

Godzilla Rivals: Biollante vs. Destoroyah, the last Godzilla comic currently on IDW's docket, will be released May 10. Nick Marino's writing and Sean Dove's illustrating (huge props already for the stealthy Gamera cameo). Here's the synopsis:

No need for gloom, just drink a BLOOME! There's an irresistible new beverage, Bio-II from BLOOME, that's taken the world by storm. The lives of two unlikely allies collide as they scramble to unlock the sinister secrets behind Bio-II and halt the rebirth of the strangest botanical beast the Earth has ever seen, the blossoming Biollante! Dr. Meena Shyam is a disgraced kaiju researcher whose radical ideas saw her shunned by the scientific community. Needles is a slacker hacker who's just cracked the code behind BLOOME's proprietary recipe. Together, crisscrossing the moonlit hills and bridges of Pittsburgh, they race against the clock to stop Biollante's destruction as they call forth one of the deadliest kaiju of all time, the dastardly Destoroyah!

Destoroyah as the lesser of two evils? I guess it had to happen eventually. High hopes for this; I'm a big fan of the cartoony style, and Bio-II sounds like what Slusho! should've been.

Bandai's You Choose! Toho Kaiju Sovfi Figure! contest has its three semifinalists: Biollante's rose form, Desghidorah, and Zilla. Of the three, Desghidorah interests me the most, though it would be funniest if Zilla won. Voting kicked off yesterday through the Godzilla Store and will last for the rest of the month. This was announced about an hour after midnight Sunday in my time zone, but the vote will nearly be over by the time I post another one of these, so I figured I'd get it out there now.

[grumpycakes]

SPEAKER OF THE HOUSE VOTE 2, DISASTER BOOGALOO CONT. **UPDATED

DAY 3 10/19/2023 • OOPS NO VOTE • 12 Noon EST

< Previous (Day 2)

So McHenry saunters in w the entourage, calls them to order, and the Chaplin leads in on prayer.

Chaplin’s prayer is basically “we’re over it but got grant us the compassion and wisdom to get our shit together and govern for the country, Amen” just flower-ier and less sassy.

Still hate that we gotta have a prayer before govt work but

Still gotta have them pledge allegiance

AND THEN MCHENRY IMMEDIATELY CALLS A RECESS.

So what TF happened?

Jim Jordan in a moment of clarity (and probably some shaming from his colleagues) realized he doesn’t have the votes, and won’t for a while. So he has TEMPORARILY pulled his bid for the Speakership.

In the meantime, it looks like they are working on a proposal for McHenry to take over some speakership roles for a LIMITED TIME. We won’t know how long until the proposal is made/put before congress.

This move is most likely JUST to get the budget done and agree on how much aid we’ll be sending to Ukraine and Israel. Otherwise the Government will shut down and shit will go into free fall. This covers the asses of the Republicans while still not having to pick a speaker.

It also is taxing to force them all in session DAILY for at least 2 hours to do these votes.

SOME TAKEAWAYS I’VE SEEN

We could still get a 3rd vote today depending on how fast they make up the legislation

This isn’t great for Jordan, it’s a weak move to let someone else do speaker things while you beg and bribe people to vote for you

A lot of the far rights/hardliners are mad about the move to give temporary powers. Basically advocating for making everyone stay and suffer multiple rounds of voting again (cannot fathom why when it just made McCarthy look stupid last time, unless they truly just would rather burn the govt to the ground than do anything helpful)

Reportedly McHenry doesn’t want temporary powers either rofl

While the republicans will whine and moan that the Dems should have bailed them out (either by voting present for McCarthy or by the same for the new speakership votes) it is not their job NOR DID REPUBLICANS HELP THEM AT ALL WHEN THEY HAD THIS NARROW OF A MAJORITY. And they didn’t devolve into this kind of chaos

Dems are just asking to pass budgets and aid, and are probably just stepping out of the way of this train wreck

This has never been an issue till this year (and this partisanship/far right monstrosity the Republicans have fomented)

The next speaker will most likely IMMEDIATELY reverse that dumbass rule that one person can force a vote to remove the speaker

APPARENTLY some of the republicans that did not vote for Jordan have been receiving “Credible death threats.” Over it????? JFC

Yes, since they called a session to vote, they HAD to gavel in, pray and get set up to CALL IT OFF. And that’s hilariously stupid

ADDED EDIT 8PM 10/19/2023

Lolll fuck. So Jim Jordan had a “Closed door meeting” with the rest of the republicans to work out how/if to give McHenry additional powers and CAME OUT AN HOUR LATER SAYING THERE WILL BE NO SPECIAL POWERS. HE’S GONNA GO AGAIN. (Didn’t happen today lol) They apparently were fighting over whether or not it’s LeGaL or cOnStiTuTiOnAl to give the interim speaker powers. Loll but according to McCarthy when Gaetz tried to argue they basically told him to shut up. So it sounds like some of the repubs are still mildly homicidal abt Gaetz.

But a few things,

1. It’s legal and constitutional if y’all MAKE LEGISLATION FOR IT. And you can make the legislation be like ONLY THIS ONCE CAUSE WE GOTS PROBLEMS

2. I cannot fathom why they are so down bad to embarrass themselves. This doesn’t look good, this isn’t inspiring confidence, and since no one on the repubs are willing to budge or concede for each other you’re fighting a losing battle. You have the majority, use it.

3 . This feels like weird toxic grandstanding of if you just stand your ground it’ll bend but like, it’s not HAPPENING. And people will hate you worse for fucking w the government.

4. OH AND IF YHEY PASS THIS AND DEMS JOIN IN FOR IT TO HAPPEN IS RHAT NOT A WIN FOR THE REPUBS????? That they can get ANYTHING DONE?????

McCarthy talked to reporters and said it’s the fault of Gaetz, the “Crazy 8” (really classy dude) and the dems. And that he was taken out by less than a quarter of the house. But my dude. If it was 8 of your Repubs and then ALL THE DEMOCRATS. That’s. That’s a MAJORITY OF THE HOUSE.

Jim Jordan apparently did denounce the death threats agaisnt republicans.

END ADDITION

So that’s where we are @ u @ chaos-ville. I’ll make a new post or update y’all if they do a vote today.

Next (Day 4 Vote 3) >

[allthecanadianpolitics]

The N.W.T. is actively fighting fewer fires in 2023, yet the season is expected to cost five times more than budgeted.  In a special one-day session of the Legislative Assembly on Monday, MLAs approved an additional $75 million for wildfire suppression.  Finance Minister Caroline Wawzonek said firefighting costs are projected to rise to $100 million.  The budget coming into the season was $21.8 million.  "And that's actually an enhanced budget from COVID years where we were actioning more fires than usual, owing to a concern of having to bring more folks in," said Wawzonek. "We kept that budget higher going into this year, and honestly are rather glad that we did." 

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