"What would you say...you do here?"

Long story short, don't get married in Canada. Dave Foley on the Joe Rogan Podcasts (in like the 0-200's episodes) went through his divorce and explained how absurd it was.

It's fascinating in the US that we've gotten to the point that families can break contact entirely and be successful but due to completely out of date institutions baked in to law, we're stuck with arbitrary reasons to engage with hostile people. As a judge, why would you ever grant rights of a grandparent willing to take their children to court to see their grand children short of an abuse related situation?

Obviously EV is the future. But with this "Vehicles as a Service" model where a lot of stuff is not meant to be touched by you, it seems like cars are just getting absurdly more expensive for no reason at all. EV is a marketing term so that somehow causes the product to be worth an extra $5k right off the bat.

By driving less than 10-20 miles a week with a gas vehicle, I feel like I'm actually doing more to save the planet than the typical EV driver doing 100+ miles thinking their excessive driving is 100% eco-friendly. Consumption is never eco-friendly.

Then one day, a senator I think from Utah was asking about his his costs after signing. The bank explained to him that it was PMI and he couldn't remove it.

Thanks to that situation, PMI cannot be enforced if the loan to value ratio is below a specified threshold and the banks cannot force it on you if you meet that threshold prior to closing or after you reach it.

In a nutshell, this is what needs to happen before a lawmaker bothers.

Cities don't just levy higher taxes on minorities. It's more likely the city retained the levied amount and did not change it after the white people moved. Now because it's in a "bad" neighborhood, appraisal values fall, but the city government still believes it retains it's specific value.

Half the time lenders and us would joke saying we could be an appraiser. It's so easy, just look at your database of "comparable" properties and just say "heres a ballpark figure."

We're headed for another 2008 like a goddamn train with no brakes. Whatever the federal government did to curb that, they didn't police the mortgage industry enough. Appraisers, realtors, and lenders are all complicit with only the banks getting oversight. Lenders can go through banks, but they don't have to be immediately affiliated with them. So they can literally be ignoring rights "guaranteed" by the government since 2008. On top of this, they charge single digit percentage fees for the loans. It is such a giant joke that honestly the government shouldn't bail out at all. Owning a house should be a legitimate risk. Not this farcical system of laundering money.

I distinctly remember being told by an Austrian I met once that they need a sizable amount of liquid assets up front before they can even qualify for operating a business.

Ray Sefarth Introduction to 64 Bit Intel Assembly Language Programming for Linux was what we used in my architecture class. I thought it was good coming from only knowing Java at the time.

That class alone laid the world flat for me in regards to the "totality" of software development. Literally everything comes down to the 1's and 0's running through millions of transistors or whatever they are in the CPU. You are literally sending electric pulses through a rock and getting it to talk :)

When you create incentive programs such as divorce, a population doesnt take long to adapt to the institutions horror stories. No marriage means no alimony on breakup. Also no marriage means women wont be as likely to leave if they do not work because of it especially if they have a small support network.

Women have also become more independent. Much like Japan, many western women dont wanna be baby makers. The government kinda forgot though that...well...its kinda important for society. Single mothers increasing helps nobody and dudes are less likely to pay child support when not from marriage.

Overall its been a massive cultural change that will affect future generations significantly. How do you get people to care for a future they arent allowed to create? If anything, apathy to the future generations has been growing since many people dont have children to care for.