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The Home Improvement Thread

hutch
Joined: Unknown
Posts: 0
Re: The Home Improvement Thread January 15, 2021 at 09:38 PM UTC #
Panic-Button-hatch wrote:
I couldn't imagine what it would have been like to get a loan in 1983
30 yr fixed at 17.5%!
and that was the avg, if you had bad credit it was surely close to 20%

My FIL still brags about how they got all these 18% CD's then (again, low mortgage rates really hurt peoples ability to save)



There was a point where my dad was getting over 20% a year on his deposits in a US bank!! Of course there was more inflation but still

Of course he blew all his savings multiple times… urghhh.. he might as well have spent it
Sidehatch
Joined: October 04, 2011 at 04:33 AM UTC
Posts: 25687
Re: The Home Improvement Thread January 15, 2021 at 09:41 PM UTC #
honestly, I think the USgovt should incentivize savings
and make some sort of tax code thing where if you have less than 100K in savings in the bank you earn 5%
jrpa
Joined: September 03, 2013 at 03:15 PM UTC
Posts: 29999
Re: The Home Improvement Thread January 15, 2021 at 09:50 PM UTC #
Just wrote:
Of course he blew all his savings multiple times… urghhh.. he might as well have spent it
How did he blow it without spending it?
hutch
Joined: Unknown
Posts: 0
Re: The Home Improvement Thread January 15, 2021 at 09:54 PM UTC #
Ok bad investments ..

I guess that’s spending but it’s not like we ever spent it on ourselves

Then he lost his mind and who knows what he did.. you know how old people lose their minds..

It’s not for lack of my trying to help him

But long story and very bad memories
vansmack
Joined: October 04, 2001 at 05:01 AM UTC
Posts: 19725
Re: The Home Improvement Thread January 16, 2021 at 12:43 AM UTC #
Panic-Button-hatch wrote:
honestly, I think the USgovt should incentivize savings
and make some sort of tax code thing where if you have less than 100K in savings in the bank you earn 5%


Well, that's one way to kill economic growth….
hutch
Joined: Unknown
Posts: 0
Re: The Home Improvement Thread January 16, 2021 at 01:10 AM UTC #
I don’t know… seems like something might be wrong with an economic model that requires most of its people not have a couple of hundred bucks saved…


Or not..maybe our economy is perfect cause we are number one!  Never mind how long
Sidehatch
Joined: October 04, 2011 at 04:33 AM UTC
Posts: 25687
Re: The Home Improvement Thread January 16, 2021 at 03:05 AM UTC #
vansmack wrote:
Panic-Button-hatch wrote:
honestly, I think the USgovt should incentivize savings
and make some sort of tax code thing where if you have less than 100K in savings in the bank you earn 5%


Well, that's one way to kill economic growth….

why because it worse to encourage people to save and not blow their entire paycheck week after week and being in debt their entire life

Our economy is based on every American spending all their money on useless consumer goods and keeping up with the joneses
It's kinda worked for the last 70 years, but I don't think it's sustainable…but boy did the 1% really get rich off that model

I mean they always try to juice the market by helping the wealthy get more…so they will 'hopefully' put it back into the business and hire more
but it NEVER works that way, they do stock buy backs and give executives bonuses.

Say we look at the trump tax cut, what if they flipped that and helped the lower end of Americans…do you think we'd come out on the other end a lot worse.  We'll never know because that's not how our gov't operates, corporations are people and have votes
hutch
Joined: Unknown
Posts: 0
Re: The Home Improvement Thread January 16, 2021 at 04:05 AM UTC #
X
jrpa
Joined: September 03, 2013 at 03:15 PM UTC
Posts: 29999
Re: The Home Improvement Thread January 16, 2021 at 02:05 PM UTC #
vansmack wrote:
Panic-Button-hatch wrote:
honestly, I think the USgovt should incentivize savings
and make some sort of tax code thing where if you have less than 100K in savings in the bank you earn 5%


Well, that's one way to kill economic growth….
So you’re not a fan of Hutch getting named Active Fed Chair?
hutch
Joined: Unknown
Posts: 0
Re: The Home Improvement Thread January 16, 2021 at 02:31 PM UTC #
Hey now I am an Econ major from U of R!!!
jrpa
Joined: September 03, 2013 at 03:15 PM UTC
Posts: 29999
Re: The Home Improvement Thread January 16, 2021 at 02:52 PM UTC #
Just wrote:
Hey now I am an Econ major from U of R!!!
The prosecution rests.
Sidehatch
Joined: October 04, 2011 at 04:33 AM UTC
Posts: 25687
Re: The Home Improvement Thread January 16, 2021 at 03:09 PM UTC #
Julian, wrote:
Just wrote:
Hey now I am an Econ major from U of R!!!
The prosecution rests.

Space Freely
Joined: December 13, 2014 at 07:28 PM UTC
Posts: 11019
Re: The Home Improvement Thread January 19, 2021 at 05:42 PM UTC #
My neighbor is going to be getting a copy of this:

https://www.fairfaxcounty.gov/code/sites/code/files/assets/documents/pdf/animal-noise.pdf

His damn dogs woke me up at 5:43am yesterday, and 6:11 today (though my wife says they were barking earlier than that.) And they're barking non-stop right now as i sit at my kitchen table trying to work.

I'll show that fucker.
Sidehatch
Joined: October 04, 2011 at 04:33 AM UTC
Posts: 25687
Re: The Home Improvement Thread January 19, 2021 at 05:52 PM UTC #
could throw pieces of meat doused in hot sauce over the fence
grateful
Joined: October 15, 2008 at 05:01 AM UTC
Posts: 11564
Re: The Home Improvement Thread January 19, 2021 at 05:55 PM UTC #
Sounds like the perfect time to wake up and go for a run.
Yada
Joined: February 05, 2003 at 06:01 AM UTC
Posts: 12418
Re: The Home Improvement Thread January 19, 2021 at 06:29 PM UTC #
MyPillowLeader-hatch wrote:
could throw pieces of meat doused in hot sauce over the fence


That only hurts the animal and not the shitty dog owner.
Space Freely
Joined: December 13, 2014 at 07:28 PM UTC
Posts: 11019
Re: The Home Improvement Thread January 19, 2021 at 06:33 PM UTC #
Yada wrote:
MyPillowLeader-hatch wrote:
could throw pieces of meat doused in hot sauce over the fence


That only hurts the animal and not the shitty dog owner.


Can confirm. Though in theory only.
Sidehatch
Joined: October 04, 2011 at 04:33 AM UTC
Posts: 25687
Re: The Home Improvement Thread January 19, 2021 at 06:38 PM UTC #
Yada wrote:
MyPillowLeader-hatch wrote:
could throw pieces of meat doused in hot sauce over the fence


That only hurts the animal and not the shitty dog owner.

Well, how about meat with some exlax so he shits all over the house
Space Freely
Joined: December 13, 2014 at 07:28 PM UTC
Posts: 11019
Re: The Home Improvement Thread January 19, 2021 at 07:02 PM UTC #
MyPillowLeader-hatch wrote:
Yada wrote:
MyPillowLeader-hatch wrote:
could throw pieces of meat doused in hot sauce over the fence


That only hurts the animal and not the shitty dog owner.

Well, how about meat with some exlax so he shits all over the house


As a vegetarian, I find this idea reprehensible on a couple of levels. But I'll keep it in mind, thanks.

edit: Might have the unintended consequence of the neighbor keeping the dogs outside even more.
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