I thought this was the land of "caveat emptor"? It's unfortunate that you fell for this, but it isn't apologeticism to say that as long as there are suckers who fall for scams there will be scams. Sure, it sucks, but that's life.
Maybe they saying it's already the pattern and want to not continue it? (Like, if we read the comment in best light like guidelines say). And, Stripe has lied to me as well but it was a small issue.
By example, if I walk through a maximum security prison with no power, holding ten pounds of cocaine, typically I will get murdered. This doesn't mean that murder is a thing we should consider to be normal.
Typical is about commonality. Normal is about evaluation of decency.
Consider most topics in a theater of war to see the stark difference between what is common and what is decent.
Umm.. No? I think you're inferring one thing when I meant another. I'm saying that this SHOULD NOT be "the typical". Read the entire sentence, please: "We shouldn't normalize this stuff, but we do."
And please don't write condescending, inflammatory remarks. It offers nothing.
> Funding from those programs often can be combined with financial gifts from your family and friends to reduce your out-of-pocket costs to buy a home.
I mean, I get the point of saying that (funding from F&F doesn’t disqualify the applicant), but man does it feel like a quasi-government agency is suggesting needy borrowers should just ask their parents for money.
Well, I tried to put 5% down; but, then I realized how much higher above asking things were selling for; and how people skip out on things like inspections. But I still want inspections, so I ask for them. This puts me down on the list of desireable buyers.
I went into a place that was selling for around 300k. I was going to offer as much as 325. I was also willing to go 5k above what the place would appraise for. This matters because you can't get a loan for above a place is worth.
The place sold for nearly 375k.
If it appraised for 325, the buyer is on the hook for an *additional* 50k that they have to pay in cash at time of signing.
You can't just not have lots of spare money in this market.
I make 150k / year. I'm an SDE 2. The problem isn't the monthly payment, the problem is the down payment.
And you've said in several places how engineers make 200k+ after 5 years. Maybe in total compensation and only in FAANG; but there are a loooot of engineering companies in Washington and the Seattle area that aren't getting hundreds of thousands of dollars in stock that's increased 5-10 fold in the last 2 years.
What exactly is the problem with a downpayment on a 350k (or, heck, 500k) unit? Obviously there are exceptional circumstances, e.g. you're supporting multiple people on your salary alone, which might make it difficult to save up 70-100k quickly.
But if you're single, your annual after-tax take-home is ~95k, assuming you max out your 401k contribution, and ~110k, assuming you don't contribute at all. Saving 50% of that does not even require living particularly frugally. That gets you to the top-end of the required down payment in 2 years.
In 2 years, the housing prices will be even higher. I just presently don't have much saving, but that's what I'm planning on doing, yes - well, not saving 50%, I do spend more than that per month; but saving at a fast rate.
Even with saving, though, I should probably save at least one more year to have an emergency fund again, so it's probably more like 3 years, but your point still stands.
It’s not just the FAANG companies. You should really check out your worth on the job market. Why dismiss someone telling you that you should easily be able to get paid more? Why the victim mentality?
I've had the opposite experience; I've used the same Bluetooth headphones, mouse, and keyboard with two work machines (a MacBook and a Linux tower) and my personal Windows machine.
Windows is rock-solid, just works with no problems.
Linux works mostly fine, with occasional audio stuttering issues that go away after a few seconds.
The MacBook is an unusable nightmare. If I ever try to use a mic or webcam of any sort while the headphones are connected, the whole Bluetooth stack immediately crashes and doesn't recover for at least an entire minute, usually more like 2-3 minutes. Also, sometimes this happens just randomly anyways with no discernable pattern or cause. Also, sometimes the Bluetooth stack forgets my keyboard exists, and I have to walk back through the pairing process again (this happens 1-3 times per month). Then there are times when it randomly shuffles scroll speed on my mouse.
If it weren't so frustrating how unusable the macOS Bluetooth stack is, it would be almost funny in a "hidden-camera-prank-show" sort of way.
I've switched to working full-time on my Linux tower (also provided by my employer) and it's been a tremendous quality of life improvement. On the rare occasions that I have issues, I can usually get to the bottom of the problem and fix it. With the MacBook, I'm lucky if I get "Something went wrong :(", and all the voodoo remedies I've seen online haven't helped.
Linux is easily the worst (well, at least Ubuntu and Mint) with respect to Bluetooth pairing and remembering it for me.
I use a multi-device Bluetooth keyboard to switch between a Windows laptop, Ubuntu laptop and a MacBook Pro almost daily. So when I tap the button in the keyboard to switch, it takes 5 seconds to connect (if it connects) on Ubuntu, almost instantly in Windows, and couple of seconds on Mac.
And Ubuntu laptop cannot do wakeup from sleep with Bluetooth keyboard or mouse even with tons of tinkering with the /usb/devices/*/power/wakeup conf and in /etc/rc.local and /etc/init.d.
>And Ubuntu laptop cannot do wakeup from sleep with Bluetooth keyboard or mouse even with tons of tinkering with the /usb/devices/*/power/wakeup conf and in /etc/rc.local and /etc/init.d.
Install powertop and disable the usb-sleep option.
