It depends... If your financial situation is ROCK SOLID, it’s often better to go with the 30y over the 15y, and just pay it off quicker. Yes, you can save ~0.75-1% interest rate going with a 15y over a 30 (based on today’s rates), *but* it also means you’re stuck with a higher monthly mortgage if anything happens,…

It was a cheap applause line that weirdly seemed to place the credit for falling oil prices on investments into solar and wind. But those are sources of electricity not liquid fuels. We don’t much use oil for electricity generation, so we didn’t budge the demand side much that way.

About Saudis Flooding Market or US increased output causing Oil to be cheaper, this graph would suggest the biggest contribution would be from the latter.

There’s a difference in ensuring jobs provide a living wage, versus just ensuring jobs simply exist. If a roughneck has a job, I want him to absolutely have a living wage. But it’s not my problem to care whether an industry exists or becomes outdated.

From the standpoint of pollution and dependency, yes, it’s bad.