#Mortages

[ladyboarder9669]

Tax Considerations in Reverse Mortgage Purchases

Navigating the intricate landscape of financial decisions can often feel like traversing a labyrinth blindfolded. It’s a journey fraught with twists, turns, and unexpected surprises. But fear not, dear reader, for I am here to shed light on one particularly intriguing path: the realm of reverse mortgage purchases. Picture this: you’re sitting at your kitchen table, sipping on a steaming cup of…

[sakanihomesae]

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[simplydnp]

like we didnt just jump from 'mortgage payments' to 'this is my fiancé' right. tell me we didnt do that.

[laufire]

see, it was thinking about jason and roy as they were prereboot, about their potential and how they could get together, about how I would get them together, that inspired in me a kernel of curiosity about the pairing. canon is always the jumping point for me with ships, one way or another. every post about how roy! would never!! even LIKE jason!!! because [insert something that mr. cheshire would NOT find to be a dealbreaker sns] it gives me another push to iron out the plot I'm building just to get them fucking though, so that's nice.

[tododeku-or-bust]

"100k isn't a lot of money" shit I think this needs an experiment. Give me your 100k. I don't know if it would solve all my problems but we can find out 👀

[pathesis]

Mortgage Help

Hey Y'all if you can't support please just reblog to help. It's reached the point I'm very scared we might lose our home and right now I'm doing everything I can to bring in more funds but I cannot take on more work, Right now I'm actively searching for a better job that pays better. The cost of things has just risen and I'm worried my family will lose the home eventually. Our Mortage is 2000$ a month and I'm just getting VERY scared. If anyone can help here's link to my Paypal & Ko-Fi paypal.me/pathesis ko-fi.com/pathesis Thank you to anyone who took the time to read this and spread.

[elbiotipo]

Even though I'm a bit guilty of it myself with my own space opera setting (it's supposed to have a retro aesthetic), it's surprising how science fiction has been so permeated by cynicism and what I can best define as "End of History" thinking that the only thing pop sci fi seems able to imagine is "the future will be the same as today (or even worse), but there will be Cool Laser Guns"

(lately even the lasers have been replaced by regular bullets)

What I mean is that much like it's easier to imagine the end of the world than the end of capitalism, it's easier to imagine our current capitalist system extending indefinitely but now In Space rather than imagine societal changes. Like, this it guys? We're gonna have to pay rent and fight pointless wars and be ruled by corporate suits forever? are we actually gonna have fucking CEOs as we explore the galaxy?

This is it? You can't imagine a better world than this?

Even when sci-fi authors talk about realism, it's usually about how to make ships pound each other harder with missiles, not how about society will evolve in the future, what changes might technology bring to society (the whole point of science fiction in my opinion). It's just Today, But With Lasers. We will still have corporations, nation-states, cops, war, the same society we have now. But Now With Lasers.

anyways, for a good start, read Banks and LeGuin, but there are others, lots more, who dare to imagine what actual futures might look like, they just aren't as well known

[czyzx]

Yes. Mortag did spend all of Act I wearing the dumb floppy hat. Yes I still love it.

[versacethotty]

stole grandmother's email address to vote for darienne yesterday

[warmglowofsurvival]

[shadowdianne]

I'd probably be less stressed if I stopped my very much NOT funny tradition of having a bazillion things happening 'round me at the end of the year

[howlingblaster]

BIG MISS STEAK

[kirexa]

FELIPE LANDEF ON VIRGINIA AVE IM SORRYYYYYYY

[algeroth]

Take the housing market. Home sale prices have come off of their 2022 peak, but they're still 47% higher than they were in 2019, according to the S&P CoreLogic Case-Shiller National Home Price Index. Even if you manage to find a deal, getting a loan is going to be costly. Thanks to the Federal Reserve's interest-rate hikes, mortgage rates are much higher than they were just a couple of years ago: somewhere around 7%, compared with just about 2.5% in 2021. Not only do these high rates weigh on prospective buyers, but anyone thinking of selling their home — hello, boomers — is likely to be turned off because their current mortgage rate is probably lower than a new one. With both buyers and sellers feeling the squeeze from higher mortgage rates, and with homebuilders unable to keep up, the inventory of available homes has collapsed. And as much as a lot of people would like to see a housing-market bubble burst, that's probably not in the cards.

The car market is in a similar situation. Vehicles are expensive. Loans are getting tougher to come by, and even if you manage to get credit, elevated interest rates are making financing costly. Car insurance is much more than it used to be, too. The Bureau of Labor Statistics' most recent consumer price index indicates the cost of car insurance is up by more than 20% over the past year.

When it comes to work, the vibe is static, too. Yes, the labor market is strong, but it's not a great time to go looking for a new job. Companies aren't laying people off en masse, but they're also not bringing employees on board quickly. Hiring has slowed significantly from where it was in 2021 and 2022. And, it's much lower than one would expect with the current unemployment rate.

"Employers are hiring as if there's a relatively weak labor market, not a strong one," said Matt Darling, a senior employment-policy analyst at the Niskanen Center, a center-right think tank.

The downshift in hiring has also tipped the balance of power back toward employers. While wages are still on the upswing, switching jobs may not come with as much of a pay bump as it did during the Great Resignation of 2021 and 2022. That may be fine for those who are happy in their jobs, which many people are, but it's not so great for those who are feeling a little antsy or underappreciated. And for those Americans who find themselves out of work and looking for a new gig, it's going to take a minute. Darling told me that for the unemployed, it takes about twice as long to get a job as it did before 2008. A job search that used to take 10 weeks at a similar unemployment rate now takes 20.

"That's obviously a huge source of dissatisfaction, because 20 weeks is a long time," Darling said. "What's that, five months to be looking for a job?"

What this all translates to is a scenario where some Americans feel trapped. They can put food on the table and fill up their gas tanks, albeit at a price they'd rather not be paying. But it's hard and expensive to move up the ladder in many meaningful ways. In a consumerist society that encourages people to want more and a culture that prizes itself on economic mobility, this level of stillness is uncomfortable. While it's still possible to get a better job or a new house, those things feel like they're off in some nebulous future, out of your control.

[merrymarvelite]

Cover of the Day: Black Goliath #5 (November, 1976) Art by Gil Kane and Al Milgrom