No... you look for something that pays far more than 3.5%. But with that, comes higher risk. You mitigate that risk by doing your homework.

7 years is at least 2 years longer than the powertrain warranty. Imagine something major going on the powertrain on a car you’re still making payments on AND you have no more warranty coverage on.

Okay, my credit union is offering HELOCs at 3.5% APR over 15 years. There aren’t many investments you can get that can guarantee you 3.5% return per year over the course of 7 years. Put it this way—you’re not going to walk into a bank and put on an application, where you put the reason for a loan, “To invest in…

Who cares?  You got free money to buy it.  It is not a “horrible situation” to be paying an interest free loan on a depreciating asset.

What is the scenario in which you think you’re going to get a $60,000 loan at an interest rate that would virtually guarantee you a profit from investing that money?

At zero percent interest?  Why would you turn down free money?  How is that insanity?

Have you ever gotten a loan to just invest it? You aren’t going to get a zero percent loan to invest. You aren’t going to get a loan for 7 years at anywhere near the sort of interest rate that could all but guarantee you a profit by parking your money in an investment for that 7 years.

If you get zero percent APR, that is a pretty good reason to take out an 84 month loan.

nice one (although anuses serve a useful purpose)

not putting “what is the plural of anus?” into google, i don’t need the cia tapping my phones

I just love it. I won’t put a vaccine that has been subject to rigorous studies involving tens of thousands of participants in my body because I need to “do my own research.” But I’ll happily pump myself full of any substance I’ve never heard of if the guy who got famous for making faces while people ate octopus…

Fuck off, moron 

but is this something you witness enough times to consider annoying, exactly?

You seem to think the Dems were allowed to participate.

TIL I’m a multi-millionaire.

This is cute rhetoric, but I’m wondering what exactly you thought Democrats should have done in 2020, when Republicans controlled the White House and Senate.  Would you have them not participate in governance decisions involving the pandemic?  Actively try to make the pandemic worse?

I agree with this in a lot of cases, but I think a global pandemic was a good time to put short-term political interests aside and work with Republicans.

I’m not really talking about “fixing the pandemic.” I’m pointing out a difference between the two parties that I think isn’t really stated bluntly in mainstream political media. I.e., that the Democrats, for as flawed as they are, as beholden as they are to corporate interests, as much as they indulge all sorts of bad…

He shouldn’t have linked pedophiles and homosexuals for all the reasons you state. Even if you get what he’s trying to say, he could have made the exact same point using heterosexuality, and there is no history of trying to condemn homosexuals by equating them with pedophiles.