It’s a bug in that if you pay cash for a house, you won’t be paying into escrow for tax and insurance. Banks require that in the vast majority of mortgages.
This is just a simple online mortgage calculator so it factors in escrow into the monthly payment since that’s what pretty much everyone is going to have.
“Scheming EU states” is a total flame bait headline. The UK is not part of the EU, so why should they be included in any of this? They should be HAPPY about the EU not “meddling” with their “freedom”!
The UK doesn’t need to be part of this really, there’s one link to mainland Europe (the channel tunnel) and the rest should just be sensible UK road and rail network planning. NI and Ireland already have ways to cooperate when it comes to planning transport on the Ireland of Island.
I say “in theory” because our government just scrapped HS2 phase 2, so our rail network is going to continue to be shit for years.
Not only that, but there are also two arrows on this map going into the UK. It’s up to the UK to take care of how well these arrows connect to important locations within their borders. There really doesn’t appear to be an issue whatsoever.
These arrows already exist! The France one is the English tunnel and the Ireland one is there because they need to make Ireland feel like one island. The uk dont have much control over how well they connect to their border. I think the uk would have benefited from this plan as they seem to be having problems with trains
Not really, though? There are no development plans for the new railways in the UK and furthermore the entirety of the UK is greyed out but all the independent area of Ireland is part of the map.
Listen, I’m not defending the article written by people who supported Brexit then got mad about how much of a shit deal Brexit is for them, but the point of the above comment is that the maps include arrows connecting to UK Railways, but that’s besides the point because the larger context of the discussion is about how a massive Railway Expansion project completely excludes the UK. It’s completely moot and irrelevant to talk about the existing railways.
the UK cannot be included, because they aren’t a Schengen-member and the EU doesn’t want customs checks on their train lines…
it’s entirely up to the UK what they do with their rails within their borders.
and as was already pointed out:
there already IS a connection between the EU and the UK!!
the new plans are largely for connections between capitals of EU countries and major population centers, both of which already have rail connections in the UK.
so what do you expect the EU to do about the rail network in the UK?
Yes the rails are connected, but you should not be arguing to me that this means the UK is part of the plan when it very clearly isn’t. You’re arguing on both sides right now, I don’t think you’re in the right state of mind.
I can’t tell if you’re lost or trolling. If you go up this thread to the comment I first replied to:
Not only that, but there are also two arrows on this map going into the UK. It’s up to the UK to take care of how well these arrows connect to important locations within their borders. There really doesn’t appear to be an issue whatsoever.
and this is in a discussion about the EU’s renovated railway plans centered around TransEuropean Landmark transport. It also has arrows pointing into Ukraine and Belarus, but that doesn’t mean any of those countries are included in the plans.
I also want to stress again, since many of you seem easily confused, I think the UK SHOULD be responsible for their own railway improvements building upon the plans of the EU by themselves, since that’s the logical conclusion of Brexit, but it makes no sense to say they’re part of the plan when they’re not part of the plan.
The arrows are just a way to represent linking of the network beyond the EU borders. No one is saying the arrows mean UK or Ukraine or Belarus is included in the plan.
Huh? Apologies for being slow but what is your point?
My neighbour redid their driveway, it completely excludes my driveway, obviously. We used to share a driveway mind you and we could have shared the cost of whe work on both our driveway but I got uptight because he let brown people use both our driveways. I told him driveways first, my driveway is losing its identity due to all the brown people and I got the whole neighbourhood to vote against shared driveways.
Pretty fucking cunty of him to only redo his driveway now though innit?
There is no point in mentioning that the rails are connected in a discussion about the UK not being part of the plan. It’s just silly. It’s like talking about changes to cars and one person in the conversation starts talking about how the wheels have been the same for 14 years now.
It’s wild to me how America, UK, and Canada are dealing with these idiotic right wing extremists or fans. It did not go well in the states, is still not going well, but people in other countries are all agreeing that yeah now is the time to be loud, racist, shitholes who make life worse for everyone with their stupidity??? What the fuuuck
And you’d think at the latest when the Brexit happens and totally fucked up logistics, industry and the already ailing healthcare in the UK, the right-wing voters might have realized “Oh wait, maybe the people we’ve been voting for us have been lying and it was rather obvious with how they didn’t want to be associated with the shit they made us vote for after it actually worked out and they won the vote”. Nope. They’re proud of it. All the mean mean evil EU now being mean to lil’ ol’ England out of pure spite. Aye.
(to be fair we already did that a long time ago when we banished them to a damp, sad and depressing island in the north sea)
I heard on the radio this morning the government singing their own praises after reintroducing pint size bottles of wine. A “Brexit benefit”. This is after 99% of those surveyed said they wanted metric sizes. 99%!
Step 1) blame everyone else for everything that’s wrong. Step 2) promise all the good things if only people vote for you. If they are actually gullible enough to do that we come to step 3) grab all the wealth you can and shift it to your cronies, smash anything too heavy to carry off and leave the opposition in a smouldering ruin that you can then again blame and berate the next government for.
You know how the right-wing nutjobs have been frothing about a “new world order” conspiracy theory for a long time now? You know, the one about a secretive multinational cabal plotting to take over the entire world?
Every since the thought occurred to me I can’t stop thinking about it. There is just this entire class of people out there who do no real work, are paid money to tell us how they should be running things, and whose only plan in running things is to take something that works and break it.
If that idiotic and corrosive Brexit campaign had been defeated, the headline might be screaming how scheming EU nations drag the UK into their expensive transport plans.
Also the same mindless parrots on their tellys and newspapers would be mindlessly arguing the point, tossing out word salads, exactly as they would with the EU making their plans and keeping the UK out of them.
Meanwhile, non-voters who could have made a difference will be just as idiotic on polling day: “Politics is for wankers/both parties are the same. Shall we go for drinks?”
Apparently initial proposals for this pre-date brexit by 26 years.
This is a Daily Express article. Utter trash, right wing yellow journalism. Rabidly pro-brexit, endorsed Liz Truss for PM. You know, the weird cheese lady who was outlasted by a lettuce.
Obviously brexit isn't going so well and neither is the latest tory PM, so it's time for their daily article about how the foreigners done ruined Engerland.
Most mortgage calculators add in property taxes, insurance, and HOA fees to give a truer cost to potential homebuyers. So, if you are paying all cash, the mortgage calculator is going to give you the additional costs only.
A lot of times, it is paid in escrow to the mortgage company. However, even if the mortgage company isn’t collecting it, it still needs to be paid.
It depends on the area. Both Texas and New Jersey have very high property taxes, so it wouldn’t be that surprising. Or it could be expected insurance costs like in Florida, which could be very high.
At least this amount will, assuming it’s just taxes and insurance, be due every month for as long as it’s owned. Property taxes in California for example are around 1%/year (so a $377k home would be around $4k/year).
If you own the home outright you may not need insurance, but of course, that’s a risk.
Taxes may be severely limited in how much they increase (see: California prop 13), so while they will likely increase it may not match e.g. rental increases.
Oh hmm, 18%. $377/m for 30 years discounted at the interest rate mentioned gives $58K which is around 18% of the house price of $323K. My mental math was a bit off.
I see. In this case the 30 years is irrelevant I think.
This is probably PITI cost — principal, interest, taxes, insurance. Principal and interest are zero here, but the other two continue for as long as you own the home (property tax is annual like income tax — it’s not a one-time-deal like sales tax).
I’ve seen condos where the Strata/HOA fee alone would have been around 25% of the monthly mortgage.
$400 / month strata on a $1600 / month condo. It’s practically thievery, no idea how maintaining and apartment is supposed to cost $4800 a year per person. Can’t remember how many unit but even assuming a low count of 10 units that’s $48,000 a year in maintenance. Seems pretty excessive.
I’ve also been focusing on characters who aren’t talking during a scene but are part of the scene. It gets extra awkward when there is a large group. Eg. 8 main cast members on screen, one guy talking for 5 minutes without interruption and all 7 other members just stare at them. Those scenes start to feel really artificial when you look at the other characters who just stare and listen. It gets even worse if one or most of those characters is portrayed as an asshole. I’m here thinking like no fking way at least one person doesn’t cut into someone else’s dialog IRL.
It’s not quite the same thing, but I feel like not enough directors value the attention viewers give to the background.
Let’s say you have an animation, and plan a silly bit of slapstick where someone’s chasing a butterfly. Put it on shot, and it’s kind of over-focused on something rudimentary. But have two characters in the foreground, using 80% of the frame, conducting a boring conversation, and put that person with the butterfly in the background, and it’s ten times funnier because viewers feel a sense of ownership in being the one to “notice” it - even if the director knew fully well no one was focused on the conversation.
It’s not worth it if you chase money. Even the biggest assholes at your previous job might end up in a place adjacent to you, especially if you don’t look internationally (or at least out of your area) for jobs.
That’s interesting. I’ve never once had that happen.
The bigger employers I’ve left just didn’t care and were already looking into how to replace me while I was finishing out my last two weeks. The smaller ones always were concerned with squeezing as much production out of my last few hours as they possibly could.
In neither case were they ever interested in my career beyond their doors.
Tell you manager what went wrong politely if necessary, being rude in a professional setting may look cool in some fantasy but nothing good will come out of it.
It really doesn’t matter at all. You’re quitting. You already have a new job lined up. You will never interact with these people again. Nobody asks for references outside of minimum wage positions unless they’re a small shop.
Nobody asks for references outside of minimum wage positions unless they’re a small shop.
I’ve found this to be highly variable over my past few career moves.
My resume indicates that professional references are available upon request.
In my last two job searches, I’ve had responses ranging from absolutely zero interest in references, to not only requesting the ones I indicated but also asking for even more names and contacts.
Obviously your mind is already made up, but in my experience, it seems the wise move to stay professional in your professional life, even when leaving a bad job.
I am a mid career enginer, I was requested two references, one colleague and one manager, for my current job.
What is your reason for telling your manager to fuck off? Ego satisfaction for 5 min? What about thinking that if you tell him what went wrong, maybe they can improve, which may improve the work conditions of your ex colleagues? I find that more satisfying. I always try to raise my voice to improve my ex-colleagues conditions before I leave because I’m freer to speak up.
If you want an anecdote, I was cordial when leaving my last job while pursuing something with much more risk. To my surprise, my manager said the door is always open if I want to come back.
It cost me nothing to be nice, and it gave me a free safety net. You never know what opportunities you’ll get, so be nice, help others, and put in a tiny bit of effort.
I wouldn’t recommend burning any bridges you don’t have to.
Though my last employer was pissed when I got an offer for 30% more when he spent the last 6 months training me.
He immediately counter-offered to match and he didn’t even have to check with anyone. I called him out on underpaying me by 30%. This was probably a mistake, but he was kind of an asshole anyway so meh.
Calm down, this isn’t the banks screwing the little guy. This number includes tax and possibly insurance — “PITI” (principal, interest, taxes and insurance) is the standard quoted cost. It’s just an estimate. You can often pick your own insurance which will change the cost, and if you’re buying in cash, insurance may not even be required. (It will almost certainly be required if you have a loan, since the bank wants its assets protected.)
I get it, and lol or whatever, but Ireland is getting two ferries(?) from entirety of the mainland, and the UK is still connected via the tunnel which looks to be a major link-hub for the new system. I guess if it weren’t for Brexit there might have been an Edinburgh-Amsterdam or -Brussels link, but it’s not like Aberdeen or New Castle was going to get any love.
I believe we have two ferries going from east Scotland to Amsterdam and Bruges (or somewhere nearby) starting shortly. We also have Fred Olsen cruises from Scottish ports now too.
Not defending brexit before I get pitchforked but we aren’t exactly cut off…
It’s always weird to read stuff from the UK to do with brexit. That paper is clearly some right wing rag and the reality is that we are connected via the channel tunnel and all that this is doing is leaving us off the maps and probably the reasoble prices.
But people like to rile it up like we are missing out on some grand EU mega plan that is going to save the world. The EU has plenty of problems and is not some sort of nirvana. Would I rather be in the EU? Yes it is better to be part of something. However it is not perfect by any stretch of the imagination and to be honest day to day it makes little difference to me. People in the UK are not crying into their union jack hankies, we have bigger problems like a completely corrupt and incompetent ruling class.
Because anti-globalism is the most widely held opinion on earth. You can find people supporting it in every country and they use the power of infrastructure built up by countries working together to spread their message. It is like some weird variant on the paradox of tolerance. A nationalist can only recirculate their unoriginal ideas because internationalism existed for so long.
Every time I hear about Brexit I’m reminded how 17 million people directly fucked up my ability to be part of something just to spite themselves. If you don’t want to be part of something then just take yourself and leave, don’t drag everyone else out too.
Real talk: retail workers constantly bitching about that song have ACTUALLY REDUCED my enthusiasm for improving their general plight.
I thought they were chronically underpaid, underinsured, overworked, subjected to abuse…but nah, it turns out that the worst thing they have to put up with is some fucking Christmas song playing a few more times than they’d like to hear it.
That’s y’all’s fucking Vietnam? Well, then, I guess capitalism doesn’t need to be fixed. False alarm. Go fuck yourselves.
EDIT: I’m fucking joking. No, y’all, people bitching about Mariah didn’t actually convince me that trickle-down economics is actually a good idea. Jesus.
I think it’s the fact that people will openly write the exact same words as you do, and they won’t be joking. It won’t be satire. And there is no way to tell the difference even if they did look at your username - it just means “Anonymous”
Edit: See Poes Law. Guess I’m not first person to think about it.
I used to know a guy named Ed back in the early-mid '80’s who was a professional college student. We were both attending the local junior college. I was about 19 or 20, he was about 30. He was tall, had long straight dark hair and a full, fairly long beard with a fairly prominent hawk nose. One day, his parents finally got tired of him avoiding adulthood and declared they were no longer going to support him and he had to get a job. He showed up to classes with a short hair cut and no beard. We all had to do a double-take. He seriously had no chin, and combined with that big hawk nose, his profile had become so comically different from what it had been that everyone who knew him was noticeably shocked by the transformation. He went from having a long profile with a prominent nose to a little round head with a huge beak sticking out. He went from a moderately imposing figure to a sadly goofy looking character just like that. I watched a couple of different people just kind of blurt out stuff like “eww grow it back!” etc. It was crazy to see how everyone’s perception of him changed overnight…
Someone I used to work with gets paid a truly ridiculous amount of money because she changes jobs around every 14 months to 2 years. She hates every job she takes and is constantly worried that her boss hates her in every role. I don’t think she’s happy, despite the huge pay. I’d rather be happy. I work to live, not live to work.
That’s the thing, paying bills doesn’t make you happy, it just temporarily eliminates the drop in happiness that would occur if you didn’t pay those bills.
Money can’t directly buy happiness, but it certainly smooths out the path. Also, money may not be able to buy happiness, but not-money can’t buy anything.
I agree with you that the pursuit of an ever-increasing bank account is probably not a route to happiness (or more importantly contentedness, happiness is fleeting), but the reality of our world is that not having a livable amount of money tends to put direct blocks in front of your contentedness, which having money tends to dissolve.
I’m in a unique and enviable position where my work is basically nothing on the day to day. It pays enough to get by, barely, but it gives me so much free time that well… That aspect of work makes me happy lmao
Yeah, i have a friend like that. Gets paid twice (maybe 3x?) what i do but has no friends and is miserable. Well, things have been getting better for him at least and i’ve been making more money lately so i guess things are looking up.
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