The word you’re looking for is etcetera. And unless you plan to return to community banks where you have to get to know the local banker to get a mortgage, you need this system.

I’m not sure how tying this to capitalism makes sense…lending is a risk, they are betting that you’ll remain employed and will continue to pay them - there is a chance you won’t and you pay a premium to get money now. Communist countries also have this system, but it is more centrally controlled by the State.

How about we just make tipping rounding and pay people a living wage? You know in Europe, eating out is not more expensive than it is in the US and they don’t beg for tips. It’s such bullshit here

Good luck, looks like the priced it by the pound

Macs are useless for Finance

No, it’s more like 3-400. The key point here is not the range, but the charging time

No, you’re a fool if you truly believe this. Every generation has had some form of this feeling. Imagine considering having children during WW1, or WW2, or during Vietnam or Korea? Then after that we had McCarthyism and the Cold War - all seemingly hopeless days. Yet there is still so much beauty in the world, and there is so much that makes life worth living.

My son will turn 2 in a few months. It’s tough being a parent, but it is entirely worth it. You cannot give into myopia - every time I hear him laugh, I am reminded that there is good in the world and it is worth fighting for. He will have his own challenges to face in life, but it is our job as a society to equip him, and all of the next generation, with the tools they need to succeed.

I’m troubled about the future, but you cannot make that stop you from striving for better days. As Marcus Aurelius said, never let the future disturb you. You will meet it, if you have to, with the same weapons of reason which today arm you against the present.

I’ve been re-reading the Lord of the Rings lately, and there is a lot there on this topic, but I always think back to Sam. We all should be so lucky to have a friend like that, but what he says when all hope seems to be lost is truly striking:

“It’s like the great stories, Mr. Frodo, the ones that really mattered. Full of darkness and danger they were, and sometimes you didn’t want to know the end because how could the end be happy? How could the world go back to the way it was when so much bad has happened? But in the end, it’s only a passing thing this shadow, even darkness must pass. A new day will come, and when the sun shines, it’ll shine out the clearer. I know now folks in those stories had lots of chances of turning back, only they didn’t. They kept going because they were holding on to something. That there’s some good in this world, Mr. Frodo, and it’s worth fighting for.”

Tolkien wrote this after his experiences fighting in The Somme. If he could find hope and found the courage to keep striving for better days, then so should we.

Tug the foreskin? Lol

You’ve missed the mark on two counts:

1. Musk raised $44B of real money to buy Twitter and bring it into private ownership. I’m saying had he just left well enough alone, he could have used that money for other purposes
2. Your point on adding more supply to the real estate market to prop up prices is the opposite of Econ 101 - more supply, all things equal, will reduce prices. Mental health is a much larger barrier to receiving help for the homeless.

I used to volunteer weekly with homeless and housing insecure people in Philadelphia and untreated mental health or substance abuse was an issue for many. There are also barriers to receiving government aid that would assist them because many programs require an address or the process is unnecessarily complicated.

Housing is just one step. They would also require a great deal of counseling, job training, and medical attention to reintegration into society. Anyway, my point was simply to illustrate what a magnificent waste of resources it was to buy Twitter.

To put this in perspective, they lost an average of $2B per month in value. According to HUD, there were about 582,000 homeless people in the US last year. $2B per month is enough to house all of them nearly 4 times over if you assume $1k per month in housing expenses.

What a monumental waste of resources that could have made a difference. Musk just sucks