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June 23, 2020 at 6:18 PM in reply to: What are people seeing in terms of loan rates, difficulty in getting loans? #818437
scaredyclassic
Participant[quote=Coronita][quote=millennial]Just closed on a 30 year fixed for investor. Requirement was 25% down and rate was 3.875%. Rates for my personal residence was quoted at 2.875% 30 year fixed.[/quote]
Wow.[/quote]
Hmm. Im not seeing no cost loans in that ballpark. More like 15 y 3.125 no cost.
Even tho rates are at all time low, i did better w refi in 2013.
Why????
Participant[quote=PCinSD][quote=FlyerInHi]People in Kentucky marry their cousins all the time.[/quote]
Hi White Karen. Tell us more about Kentucky. Details please, with supporting citations.Your cousin would like it if you kept your hands to yourself.[/quote]
it is interesting how much incest laws vary across the US. there are lot of small variations in what does and doesnt constitute incest.
19 states permit first cousin marriage, including Alaska, colorado, NY, massachusetts, hawaii, and others.
Certainly not stereotypically “backwards” states. :https://en.wikipedia.org/wiki/Cousin_marriage_law_in_the_United_States
apparently kentucky prohibits it, and wont even recognize sucha marriage if legally done outside kentucky.
Kentucky rule:
Section 402.010 – Degree of relationship that will bar marriage
(1) No marriage shall be contracted between persons who are nearer of kin to each other by consanguinity, whether of the whole or half-blood, than second cousins.
(2) Marriages prohibited by subsection (1) of this section are incestuous and void.It’s also unclear whether this is a good or bad thing. It might be all right for first cousins to marry.
Historically, the pool of available mating partners has often been pretty small, with lots of “genetic bottleups” at various points in time, and lots of cousin marriage in all of our family trees.
I read recently that all ashkenazi jews may possibly be able to trace their lineage back to just 300 people. so there was by necessity a LOT of cousin marriage.
so it isn’t really necessarily a slur to say a state allows cousin marriage, or even that it is a bad thing. keeps assets in the family, better insight into marriage partner and family, family control of couple and offspring, etc.
immediate family members, however, should not marry. for instance, donald trump should definitely not procreate or be permitted to marry his daughter, even if he is the president of the free world, and he really really really wants to. Society has a right to draw the line there. the science, as well as the aesthetics are clear.
my personal feeling is that it was a good idea to get far away from my people, and mate with someone of a very very different genetic background. I don’t particularly have a scientific basis for thinking this will make the offspring healthier, but it seemed like the right thing to do.
however, i do believe that cousin marriage should be universally legal in the united states. i dont know that it has been challenged on constitutional grounds, but i think if it were, that there would not be enough scientific data to prohibit it.
some old data on genetic risks, and survey of state law:
https://supreme.findlaw.com/legal-commentary/should-the-law-be-kinder-to-kissin-cousins.html
the rate of cousin marriage has to be higher in states where the law recognizes cousin marriage than the rate of cousin marriage where it is illegal, as it is zero in the latter. whether or not its common, i have no idea.
when i actually think about marrying one of my first cousins, the idea strikes me as very very strange. but that feeling alone should not be enough to prohibit it. there should be significant increased genetic risk to offspring.
Indeed, in recognition of that issue, some of the states explicitly allow it in the case where sterility of the cousins is involved. However, there may be no rational basis to know whether the genetic risks is really necessarily significantly increased sufficiently to bar people in love from marrying.
Participant[quote=svelte][quote=The-Shoveler] Like Scaredy said If you’er rich maybe City life is good when you are older, if not so rich, probably not so much.[/quote]
that Atlantic article I quoted above says that cities are mostly suitable for the wealthy and for poor immigrants.
The middle class is largely absent.[/quote]
when i was broke in nyc it sucked so bad.
Participantmaybe. NYC without money might not be a place for old people.
growing up there in the 70s, i remmeber it being scary. It somehow got disneyfied afetr giuliani. If it went downhill, it would be no place for the elderly.
Participantwell at least its a good solid fake apology
Participant[quote=PCinSD][quote=scaredyclassic][quote=PCinSD][quote=scaredyclassic][quote=PCinSD][quote=scaredyclassic][quote=zk][quote=Coronita]
You worry too much…Worst case is Trump gets term limited out.
[/quote]
Well, I definitely worry too much.
But, in this case, I think 4 1/2 more years of trump and the irreparable damage to our country that it could cause is legitimately worrisome. Just having RBG replaced by another Kavanaugh is pretty terrifying. And that’s just the tip of the iceberg.
Yes, the 6-3 ruling was a pleasant surprise. Hoping (but not thinking) that kind of thing keeps happening.[/quote]
All that effort to get your guy on the bench, all the money, and he basically takes a giant crap on every evangelical church in the nation, essentially telling them G-d doesnt hate fags and you cant fire them.
Haha,suck it christians!!!
And to add insult to injury, gorsuch claims his opinion is based on originalism, the plain text of the law!
As does the dissent.
Which indicates that “hey just read the text, no interpretation allowed ” is a theory that may not be useful in hard cases at best, and is a GIANT LIE at worst.
Bad day to be a tinyminded shitty little christian conservative.
So funny! Made my day.
Todays score america 1, christian bullshit 0.[/quote]
Hi White, you sound extremely upset. You ok? This all must be very frightening for you.[/quote]
Not too bad. Feel a bit safer with the Christian right beaten a few millimeters back.[/quote]
That sounds horrible. All Christians? Just the Christians on the “right”? Any other religions that have you peeing your pants? I haven’t noticed all these masses of Christians that are upset over this opinion. You must know a lot of Christians. Hopefully they’re not White. That would be very scary.[/quote]
American evangelical christians. Yeah, run into a lot of them . They need to be humbled. Today was a small start.[/quote]
Oh, hi White. When you “run into a lot of them”, what do they look like? Is there a special place you guys meet and they come up to you and introduce themselves? Do they just start rambling about how American Evangelical Christiany they are? And, specifically, they were outraged about this decision that just happened? How horrible for you. You must be the most unlucky person on the planet. Maybe if you were less White that wouldn’t happen. Please be less White. Thanks so much.[/quote]Youre funny.
Participant[quote=PCinSD][quote=scaredyclassic][quote=PCinSD][quote=scaredyclassic]Wait… are jews white?
https://www.theatlantic.com/politics/archive/2016/12/are-jews-white/509453/
Its up in the air, but id say no.[/quote]
Wait. Are you claiming to be Jewish?[/quote]That is my claim. And i can prove it. Ask me the secret question only jews know the answer to.
For at least 130 years no nonjews have ever tainted my bloodline.
But now, its all over. Thousands of years of jewliciousness , ended.[/quote]
Based on your posts, I’ll need to pull your Jew card. In any event:Get used to it Whitey.[/quote]
The jew card is tattooed, no pull possible. Youd need to hire one of the tattoo aristst that changes girls names into a design or something.
Participant[quote=PCinSD][quote=scaredyclassic]Wait… are jews white?
https://www.theatlantic.com/politics/archive/2016/12/are-jews-white/509453/
Its up in the air, but id say no.[/quote]
Wait. Are you claiming to be Jewish?[/quote]That is my claim. And i can prove it. Ask me the secret question only jews know the answer to.
For at least 130 years no nonjews have ever tainted my bloodline.
But now, its all over. Thousands of years of jewliciousness , ended.
ParticipantWait… are jews white?
https://www.theatlantic.com/politics/archive/2016/12/are-jews-white/509453/
Its up in the air, but id say no.
Participant[quote=PCinSD][quote=scaredyclassic][quote=PCinSD][quote=scaredyclassic][quote=zk][quote=Coronita]
You worry too much…Worst case is Trump gets term limited out.
[/quote]
Well, I definitely worry too much.
But, in this case, I think 4 1/2 more years of trump and the irreparable damage to our country that it could cause is legitimately worrisome. Just having RBG replaced by another Kavanaugh is pretty terrifying. And that’s just the tip of the iceberg.
Yes, the 6-3 ruling was a pleasant surprise. Hoping (but not thinking) that kind of thing keeps happening.[/quote]
All that effort to get your guy on the bench, all the money, and he basically takes a giant crap on every evangelical church in the nation, essentially telling them G-d doesnt hate fags and you cant fire them.
Haha,suck it christians!!!
And to add insult to injury, gorsuch claims his opinion is based on originalism, the plain text of the law!
As does the dissent.
Which indicates that “hey just read the text, no interpretation allowed ” is a theory that may not be useful in hard cases at best, and is a GIANT LIE at worst.
Bad day to be a tinyminded shitty little christian conservative.
So funny! Made my day.
Todays score america 1, christian bullshit 0.[/quote]
Hi White, you sound extremely upset. You ok? This all must be very frightening for you.[/quote]
Not too bad. Feel a bit safer with the Christian right beaten a few millimeters back.[/quote]
That sounds horrible. All Christians? Just the Christians on the “right”? Any other religions that have you peeing your pants? I haven’t noticed all these masses of Christians that are upset over this opinion. You must know a lot of Christians. Hopefully they’re not White. That would be very scary.[/quote]
American evangelical christians. Yeah, run into a lot of them . They need to be humbled. Today was a small start.
Participant[quote=PCinSD][quote=scaredyclassic][quote=zk][quote=Coronita]
You worry too much…Worst case is Trump gets term limited out.
[/quote]
Well, I definitely worry too much.
But, in this case, I think 4 1/2 more years of trump and the irreparable damage to our country that it could cause is legitimately worrisome. Just having RBG replaced by another Kavanaugh is pretty terrifying. And that’s just the tip of the iceberg.
Yes, the 6-3 ruling was a pleasant surprise. Hoping (but not thinking) that kind of thing keeps happening.[/quote]
All that effort to get your guy on the bench, all the money, and he basically takes a giant crap on every evangelical church in the nation, essentially telling them G-d doesnt hate fags and you cant fire them.
Haha,suck it christians!!!
And to add insult to injury, gorsuch claims his opinion is based on originalism, the plain text of the law!
As does the dissent.
Which indicates that “hey just read the text, no interpretation allowed ” is a theory that may not be useful in hard cases at best, and is a GIANT LIE at worst.
Bad day to be a tinyminded shitty little christian conservative.
So funny! Made my day.
Todays score america 1, christian bullshit 0.[/quote]
Hi White, you sound extremely upset. You ok? This all must be very frightening for you.[/quote]
Not too bad. Feel a bit safer with the Christian right beaten a few millimeters back.
Participant[quote=zk][quote=Coronita]
You worry too much…Worst case is Trump gets term limited out.
[/quote]
Well, I definitely worry too much.
But, in this case, I think 4 1/2 more years of trump and the irreparable damage to our country that it could cause is legitimately worrisome. Just having RBG replaced by another Kavanaugh is pretty terrifying. And that’s just the tip of the iceberg.
Yes, the 6-3 ruling was a pleasant surprise. Hoping (but not thinking) that kind of thing keeps happening.[/quote]
All that effort to get your guy on the bench, all the money, and he basically takes a giant crap on every evangelical church in the nation, essentially telling them G-d doesnt hate fags and you cant fire them.
Haha,suck it christians!!!
And to add insult to injury, gorsuch claims his opinion is based on originalism, the plain text of the law!
As does the dissent.
Which indicates that “hey just read the text, no interpretation allowed ” is a theory that may not be useful in hard cases at best, and is a GIANT LIE at worst.
Bad day to be a tinyminded shitty little christian conservative.
So funny! Made my day.
Todays score america 1, christian bullshit 0.
ParticipantThere was a grad. Party down the street this weekend. No masks.
Texas christian univ flag flying in the yard. Trucks with trump regalia all down the block.
Trump trump trump.
85 perc. Support.
No masks. Jeez.
Participant[quote=Coronita][quote=scaredyclassic]Well maybe a few dazed souls.
But they wont be persuaded by a snarky lindsey graham clip talking smack about trump and praising biden. Because lindsey graham is an obvious spineless cretin.[/quote]
Ah yes, but I’m think more like all the people who like Mitt Romney and John McCain who went into hiding because they don’t want to be part of this GOP mess. I suspect there’s many of them.
Biden picks someone like Harris or Warren that is way to progressive, those people are going to remain asleep. Biden’s got to go the safe route right now because if push comes to shove, progressives will get out and vote for Biden even if he doesn’t pick someone progressive. Why? Because they now are rallying behind BLM. Biden pretty much is going to getting most african american votes after what happened with Floyd. BUT, he can’t pick anyone white as a running mate (male or female). He already went on record saying he was going to pick a female minority. To go back on that, Trump administration would have a field day on that.
Ideal running mate: Asian woman at the state assembly/senate level, moderate, not chinese. No ammunition to give the Trump administration to go after. Trump administration can’t play the “socialist” card.
Biden won’t win on a polarized ticket.[/quote]
That this is a close race makes me not want to talk to my repub. Neighbors. Theyre everywhere, trump flags and banners flying.
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