chubbyFIREthrwy

5 ms·

1.
by chubbyFIREthrwy 8mo ago
>When I hear people say "it killed my libido" I always think about the fact that hyper-sexuality can be a trauma response, and if your body is healing the hyper-sexuality is most likely also reduced. That ... feels like an edge
2.
by chubbyFIREthrwy 1y ago
Yes? I had ChatGPT generate erotic literature for me about fantasy scenarios, but it oddly refused to depict actual sex during them, because they involved a workplace, and it didn't like the "problematic power imbalances". I
3.
by chubbyFIREthrwy 2y ago
You're missing the same point as in the other reply. The issue is not whether you can conceivably derive some other reasonable interpretation of the question. The issue is whether a NT interviewer is deft enough at communication so as
4.
by chubbyFIREthrwy 2y ago
That's not responding to the point in my comment, which was about whether NTs are actually deft in communication about facts, as claimed. If what you describe were the only issue, it would, at most, be a minor hiccup while the interv
5.
by chubbyFIREthrwy 2y ago
Good points, I appreciate the perspective! But, as someone probably on the spectrum, I still feel like the point about "NT people can't talk about facts" holds up. Like, if someone replies, "I need the money etc" wh
6.
by chubbyFIREthrwy 2y ago
I made my fortune by building a GPU miner in January 2011. Even by then, the best GPU for it was sold out so I bought 4 of the next best one. I shut it down in July of that year because it was raising my electric bill by like $100/mont
7.
by chubbyFIREthrwy 2y ago
I ... can actually sympathize with that, even as I don't try to scam people (at least, I don't think I do). It can be infuriating to see others get what they want in a way that's "what??? Why does that work?" It can
8.
by chubbyFIREthrwy 3y ago
Oh wow, good to know about other people who went that route. I was also considering getting a friend to pay me "consulting fees" for their business, and then I'd silently gift back the money ... but, as above, ick.
9.
by chubbyFIREthrwy 3y ago
Well, remember, any time you have cutoffs like that, you can introduce the kind of welfare traps and discontinuities that the article focuses on. But yes, Congress definitely wasn't even asking "wait, do we want the subsides for h
10.
by chubbyFIREthrwy 3y ago
People like me are an extreme edge case, I doubt this was a big factor in any debate.
11.
by chubbyFIREthrwy 3y ago
>One reason people were looking for ways to lose money was that, in the U.S., there's a hard income cutoff for a health insurance subsidy at $48,560 for individuals (higher for larger households; $100,400 for a family of four). ...
12.
by chubbyFIREthrwy 3y ago
This. Even if you could buy the house outright for cash, it still would have made sense to get one of those mortgages, base on that (reasonable even at the time) expectation that risk free rates would swamp that value soon enough, and, no
13.
by chubbyFIREthrwy 4y ago
Same, kinda. Wasn't denied, but would have to pay a huge risk premium over conventional, regardless of how much I put up as a down payment, like the home's collateral value didn't matter. Earlier post: https://news
14.
by chubbyFIREthrwy 4y ago
I don't think you're disagreeing with the core point. By guaranteeing (some) mortgages, and setting standards for what mortgages it guarantees, Fannie et al have the effect of being a buyer for all those mortgages, even if it&#x
15.
by chubbyFIREthrwy 4y ago
Same situation myself[0] except credit score 775, and I could get a mortgage, but, no matter what % the down payment, the interest rate wouldn't be below 5%, at a time when conventionals that were Fannie-flippable were getting under 3.
16.
by chubbyFIREthrwy 4y ago
That wouldn't work in my scenario since I had already quit and the gap in W2 makes you suddenly high-risk. But yes, the fatFIRE people recommend getting the mortgage before you retire, which is what I should have done. I agree with cl
17.
by chubbyFIREthrwy 4y ago
>And lending to someone with 10 years consistent employment history is much easier than lending to someone with a complex self-employment situation; But that doesn't explain my situation, where the 30 years of mortgage payments are
18.
by chubbyFIREthrwy 4y ago
>Not really surprising, Depends on what your model is. If your model is, "banks want easy money, and will lend to low-credit risk people" then it is surprising, because the same risk should get the same rate. Finding out that t
19.
by chubbyFIREthrwy 4y ago
I considered those, but they have variable rates (which are likely to be much higher than 2.x% over the 30 year term) and risk being margin-called during a crash.
20.
by chubbyFIREthrwy 4y ago
This tweet (from the reply thread) has the answer[1]: >[Mortgages are easy to get in the US] Only if you're employed. Most mortgage lenders here are middlemen who sell your mortgage to Fannie and Freddie, and they have pretty strict