I bought swiftkey back in the day and then just used Android’s vanilla swype keyboard when I got a nexus phone and left Swiftkey behind. Recently I thought I’d try it out again and for some reason it didn’t really click coming back to it. If felt a little clunky compared to the stock keyboard, though maybe I’ve just…

You’re the second person who has essentially pointed this out, and that makes a lot of sense. The question I wonder, though, is which scenario is better for the buyer? Or does it all kind of even out?

That’s an interesting thought. Based on that idea, would it be smarter to wait for the market to dip? Or is trying to get into a lower interest rate now worth it?

Historical data is definitely helpful here, yeah. It’ll be interesting to see how things go.

Exactly, but as was pointed out, they will be going up gradually, and so people will see the rates going up and will want to rush in before they go up too much, right?

I’m curious how increasing interest rates would impact the housing market, as well. If the Fed announces rates going up, will people make a rush on buying, causing prices to spike? Or is it not that simple? Just wondering what to expect.

So this couple that isn’t saving for retirement, they buy a house. If they can’t afford to save for retirement, I’m assuming their down payment isn’t going to be very substantial, which means they are already paying a premium for that security later in life. If they are paying more money in the long-term for their…

This is definitely one of the good sides of having your home paid off. No more rent or mortgage payments. And I think everyone should try to get into that situation by retirement. I’m definitely not saying people shouldn’t buy, but that they should only do so when it makes sense in the broader view of investment.

Very similar to my experience. League of Legends suffers from one major problem, in my opinion: They don’t put any of their other game modes on the main stage in their televised events. If Riot won’t even promote Dominion that way, why would the mainstream playerbase care? Everyone wants to stay relevant with the…

Granted, opinion DOES play a big role here, but let’s look at some other games to compare.

True, but mortgage costs are not the only cost in owning a home. But you’re right. If you can own a house that meets your needs and provides the benefit of ownership without your monthly, overall housing costs breaking the bank, then great!

Smite’s a bit of a different beast, but fair enough.

Saying this is just ARAM is an oversimplification. If League ever gave ARAM the attention it needed, it would be this. And my statement doesn’t just include a random 5v5, either. League has yet to successfully break out of Summoner’s Rift. None of their other maps get proper attention and gameplay, or manage to keep…

The price seems pretty reasonable to me. Get the base content for a flat price, instead of having to pick up all the pieces one by one. It would probably end up costing more that way.

I’m actually excited about this. Trailer makes me think they did a better job than I would have hoped (my expectations were low) so I’ll probably see it!

As a long-time League player, this is the sort of thing that shows how much Blizzard brings to the table as a competitor. Riot has struggled so much to innovate beyond their initial formula, which was already pretty much lifted straight from DotA.

Definitely good points, and I think that trying for a 15 year mortgage is a great way to go!

That’s true. And that’s something I plan on achieving by retirement age, and I think going about things in a smart way will help get to that point.

And thanks for the calculator, that thing is great!

Yeah, it’s great to be reading up on these things and allowing my perspective to shift away from the “your house is your most important investment” one that my parents had. There are other opportunities out there that could make moving into a house further down the line a much easier choice to make.