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Joined 1 year ago
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Cake day: July 4th, 2023

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  • The article isn’t suggesting that home owners should shoot themselves in the foot by giving up their great fixed rates. They are saying that the incentives are backwards and the system is unfair.

    People are less likely to move right now and those who need to buy right now are punished for it. A system that was more fair would spread the pain of high inflation to everyone and even make combating runaway inflation easier. At the moment, the high rates have basically no impact on those (like you and me) who were lucky enough to buy or refi in 2021.



  • I’m just a little confused by this one because I’ve been a heavy user of Spotify since around 2011. I haven’t had any loved features pulled out from under me recently so I was trying to figure out what the circle jerk in here was all about.

    I had tens of thousands of MP3s before I got into Spotify. The user experience of Spotify is so good that I haven’t even considered messing around with managing my own library in more than a decade. I even watched the private communities that were dedicated to sharing MP3 and FLAC disappear as most users just found it easier to use a music streaming service. 🤷‍♂️