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Cake day: June 11th, 2023

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  • Redscare867@lemmy.mltoMemes@lemmy.mlBack home
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    11 months ago

    Even if it’s not, houses appreciate 5% a year on average. Assuming average appreciation over 10 years that house is now worth ~163% of its original value. That means that the mortgage was taken out for ~61% of what a comparable house would go for today which assuming the same interest rate would be a fairly significant reduction in the monthly payment. You also have the potential to refinance to further reduce that monthly payment.

    Or you could sell it and get that 10 years of equity + appreciation out in cash and that might be enough for a sizable down payment elsewhere.

    TL;DR unless your parent’s place is a dump in a low demand area it’s an asset even if it isn’t paid off.




  • You may already know this, but this depends on the focal length of the lens. For example, a 50mm focal length on a 35mm camera will represent objects in the background fairly accurately. Larger focal lengths have background compression, making their background look closer than it actually is. Focal lengths below 50mm will have the opposite effect, making backgrounds appear further away.

    Some phones with multiple cameras have a 50mm (or similar) effective focal length lens as one of the options. Basically without knowing the focal length of the lens it’s hard to say how accurately the distance of the background is portrayed.


  • It’s mostly bullshit. Certain types of emissions create particles that reflect sunlight away from the earth, thus masking some of the warming that we have created through green house gas emissions. Banning sulphur emissions isn’t the cause of the problem, greenhouse gasses are. Banning sulphur just made our observed warming closer to what our actual warming is.

    You’ll find people making the same claims about transitioning to electric cars accelerating warming since cars produce similar particles. It’s just maintain the status quo bullshit passively enabling the continuation of oil and gas. The solution isn’t to keep burning certain types of fuel because it masks our warming. Obviously the solution is to stop producing as much greenhouse gas as we possibly can.