AskKbin

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-spam-, in The cheapest mortgage rate I can get today is 9.13% which is insane. What's the lowest rate you can get?
@-spam-@kbin.social avatar

In Australia but we are just over 7% on our variable rate. Think 2 years ago it was down at like 3.something%.

Our reserve bank keeps upping the cash rate to "combat inflation" but all that is doing is making those of us with home loans give the banks more of our earnings while we already couldn't afford to splash out.

readbeanicecream, in Legal minds, what do empty brackets mean inside a quote? Like this: Can I "ask[ ] you?"
@readbeanicecream@kbin.social avatar

@RMiddleton Yep. Means the author removed a letter from the word. So in the image above the author removed a d or s from the word waive. It just helps the quote make sense in context of the passage.

Drusas,

It's worth noting that this is nothing to do with legal writing in particular. You'll find this in all academic writing as well, and in journalism.

RMiddleton,
@RMiddleton@kbin.social avatar

For some reason I have never noticed this before, or else I have just forgotten it in the 3 decades since I was in college.

dreday, in The cheapest mortgage rate I can get today is 9.13% which is insane. What's the lowest rate you can get?

The Feds are raising interest rates to combat inflation. Now is not the time to borrow.

FinalFallacy, in What drives you as a person?
@FinalFallacy@kbin.social avatar

Ya know, I have been asking myself that for two weeks now I have learned that over time I have completely lost sight of having passions, deep interests and stuff. I guess it's time to try to rediscover those things because it's hard to get out of bed in the morning.

Hairyblue, in The cheapest mortgage rate I can get today is 9.13% which is insane. What's the lowest rate you can get?
@Hairyblue@kbin.social avatar

12 years ago house mortgage were 4% with good credit.

tal, (edited ) in The cheapest mortgage rate I can get today is 9.13% which is insane. What's the lowest rate you can get?
@tal@kbin.social avatar

For the US, June 2023:

https://www.cnet.com/personal-finance/mortgages/todays-mortgage-rates-for-june-26-2023-rates-trend-higher/

For a 30-year, fixed-rate mortgage, the average rate you'll pay is 7.06%

The average rate for a 15-year, fixed mortgage is 6.46%

Melpomene, in The cheapest mortgage rate I can get today is 9.13% which is insane. What's the lowest rate you can get?
@Melpomene@kbin.social avatar

Looks like the lowest I can go is around 6%, which makes renting a better proposition for me.

briefingWizard936, (edited )

In what location / currency ?

Melpomene,
@Melpomene@kbin.social avatar

USA and dollars, the math doesn't work for buying right now... at least for me.

Hyacathusarullistad, in The cheapest mortgage rate I can get today is 9.13% which is insane. What's the lowest rate you can get?
@Hyacathusarullistad@kbin.social avatar

Here in Canada my wife and I got 2.19% at the end of 2021.

Unfortunately the 1100 square foot condo we bought cost us 550k.

Awwab,
@Awwab@kbin.social avatar

Ooof

Hyacathusarullistad,
@Hyacathusarullistad@kbin.social avatar

Frankly it was a steal compared to what some of the places we missed out on went for. One place we looked at was listed at 419, we offered 610, and it sold for 731. It was a ~1000 square foot bungalow with a half finished basement.

greatwhitebuffalo41, in The cheapest mortgage rate I can get today is 9.13% which is insane. What's the lowest rate you can get?
@greatwhitebuffalo41@slrpnk.net avatar

Damn, what country are you in? I bought at the tail end of the 2008 crash. Things were still low but, coming back up. I think I’m at 4.5%

My friends parents bought in 2007 and keep making terrible financial decisions so they can’t refinance. If I understood right their interest rate is 15% or something INSANE.

briefingWizard936, (edited )

Romania. We are in the EU but not in the €urozone. We still use the local currency. For the same amount in € the rate is 6.40%. Total ripoff compared to the Northern/Western parts of the EU which is why I didn't sign shit. They can go fuck themselves.

greatwhitebuffalo41,
@greatwhitebuffalo41@slrpnk.net avatar

Ohhh. Damn. Hope things get better

briefingWizard936,

I'd rather leave the EU for places with better opportunities for making it big fast.

Collard, in What drives you as a person?
@Collard@kbin.social avatar

Lexapro and Abilify

chaos_rat,
@chaos_rat@slrpnk.net avatar

Are these drugs? Medicine?

Elixartist, in What drives you as a person?

Looking forward to the things I'll learn and conversations I'll have.

supermurs, in What drives you as a person?
@supermurs@kbin.social avatar

Thanks for asking! Lately I've been trying to cut down time spent in social media and other apps to be more present at home and giving more attention to people around me.

I've also tried to take more active role in meal preparation, my wife has appreciated that. :)

chaos_rat,
@chaos_rat@slrpnk.net avatar

These are the goals to approve of. I’m also learning to cook lately!

Monola19, in What drives you as a person?
@Monola19@kbin.social avatar

New video games and books lol. Also, my husband and close family members--I like seeing people I love happy and look forward to the time I have with them since life is short.

chaos_rat,
@chaos_rat@slrpnk.net avatar

Sounds very wholesome :) best of luck!

czech, in Confused about how lemmy.world and kbin are linked to each other...?
@czech@kbin.social avatar

Ernest is the creator of kbin and the admin of kbin.social. When another instance federates with your community it creates local copy of your community on that instance. The first admin of the kbin instance is always listed as the "owner" of the federated community but they cant actually take any moderation actions in your community. I believe the admin of the federated instance can moderate what appears on their instance though.

justlookingfordragon,
@justlookingfordragon@lemmy.world avatar

Ooooh okay.... that make sense. For a moment I honestly thought someone was just lazily mooching off my content (it has happened before, sadly) but if that's basically the default setup for every community not native to kbin, then I don't have anything to worry about. =)

Thanks for explaining! ^^

z2k_,
@z2k_@lemmy.nz avatar

That’s just how federation works. Even between Lemmy instances.

Your community is also on this path on the lemmy.ml instance: lemmy.ml/c/breath_of_the_wild@lemmy.world

justlookingfordragon,
@justlookingfordragon@lemmy.world avatar

Huh, weird. When I click that link, it does show the community and the sidebar/rules, but not a single post. Is that supposed to happen?

z2k_,
@z2k_@lemmy.nz avatar

Federation is a bit weird, because I searched and discovered it yesterday it should start syncing new posts from that date for lemmy.ml.

justlookingfordragon,
@justlookingfordragon@lemmy.world avatar

As long as it does start syncing eventually, that’s fine with me. I would just have found it weird to kinda “block” that particular community/magazine/etc. across all instances if the end users don’t even get access to the content.

… but then again, the Fediverse is probably just overwhelmed ATM so things like these slow down for a while. It’ll probably get better once the dust settles a bit after the reddit exodus (reddodus? rexodus? exoddit? I can’t think of a good portmanteau)

dedido,

Rexxit!

jessecreates, in What drives you as a person?
@jessecreates@kbin.social avatar

My newborn baby, playing some more Zelda, and the potential for a new adventure

chaos_rat,
@chaos_rat@slrpnk.net avatar

Congratulations!

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