No one carries a mortgage to term. If they did everything you say here would be correct. But people don’t. In many cases you’ll refit before you start to actually hit principle payments.

Houses are also very easy for banks to take control of. In a shaky financial situation hundreds of thousands of dollars of equity can go away in a moment of a bank decides to institute foreclosure (even if unsuccessful).

Loan officers may be more stringent today

My favorite product, the Option Mortgage, has a huge flaw: it is always an ARM.

I second what STMN said. Everyone says they’ll pay extra, statistically they never pay extra. Nothing to make a difference, anyway.

Nope. Get the 30 and make extra payments to “make up for” the 30 year term. This is specifically so your monthly payment is manageable (amortizing over 15 instead of 30 years is a big monthly difference) and instead of a larger 15 year payment you have a 30 year payment plus the optional ability to make a larger…

I’m pretty sure none of the pesky laws prevent people from doing what the laws were written to prevent.

You would be amazed at how many foreigners show up and try to buy a Diesel Benz to have it exported it out. The Russians try to do it daily almost with Diesel GLs. Benz actually came to them and pretty much told them to do what they had to do to stop it from happening.

It’s the same way with some technologies. When you purchase super fast computers, you must agree not to export it in the EULA that most of us click right past.

Lol. You sign an “anti-free-trade” agreement while the same manufacturer is trying to get global free trade agreements so they can source parts at best profit.

I’m going to have a huge problem in a few years. A few past 30 and I still can eat whatever I want and I get way less exercise than I should. It’s not a brag (just my metabolism) that I’m an inch lesser on my waist than I was at 18.

You must be the dream customer any corporation wants.

Once upon a time, grinding was fun. Before the endpoint replaced the process.

Everyone else is laughing.

But! ... me! me! me!

That’s just not true. At all. Go google your question.

What does it say when the user can’t even come up with a decent username?

They’re... they ARE a Google Labs company...

I work in the industry. This reeks to me of a case of a particularly tricky bug they ran in to (due to complexity or external factors complicating resolution of the bug), and a developer either under incredibly high pressure or incredibly poor management, who decided to just eliminate the feature rather than fix it,…

Some people just play games to bash them and that’s their ‘fun’.