Part of interest calculation is risk. That’s why higher credit score leads to lower interest, it’s less of a risk to the lender.

PMI is double dipping. They can pick one, either a flat across the board interest rate for all borrowers or PMI.

Didn’t mean to imply it was entirely about risk.

And while we’re ranting about this, can we throw PMI and whomever came up with it on the bonfire where they belong?

Your telling me that I need to pay for you to have insurance in case I default while your also charging me interest who’s very purpose is to offset risk? Why am I paying to offset your risk FUCKING TWICE AND HOW IS THIS FUCKING LEGAL.

Shit infuriates me. I want all the bankers to get William Wallace on live TV, recorded and played back once a year during a mandatory viewing window so that we never, ever, forget.

FetLife is literally the biggest fucking cesspool of humanity on the internet. Its basically just a gateway for predators to find victims.

Source: Was active on it for years, tried to speak out against abusers in the scene, was told “we don’t throw people away”

No, but I just downloaded it! Thanks for the rec!

I use CapitalOne, they have some things but nothing exactly right.

I have also tried every budgeting software under the sun, and Level was the only one that worked for me sadly. I’ve thought about using vibe coding (not a mobile dev) to makey own android app to do something similar but also super lazy lol.

I want an app that existed, and was killed before it’s time by Intuit. Level Money

You put in (and it learned over time) your expenses, and it gave you a single number which was how much you could spend per day. It adjusted as you went, so if you under/overspent it adjusted.

It wasn’t perfect, but was the last time I had a firm handle on my finances.

Fuck you Intuit, burn in every hell imagine able for your myriad of sins including this minor one comparatively.

When he discovered it’s an easy grift, and even easier way to get attention which is what he really wants. Dude is a sad little man child, constantly searching for adoration. These are not deeply held, or even shallowly held beliefs he’s just doing whatever gets his audience to be nice to him.

It’s not heteronormative oh person with a hammer. You simply lack perspective, as yours seems entirely based on sex and literally none from kink.

Doming and Topping are two different things in the kink world, and imply similar yet drastically different things and are very deliminaited in play.

And even to the comic, it’s BDSM/kink coded more than anything.