Your primary residence is a poor investment for several reasons, but the biggest concern is that the investment is not properly diversified.

All that money behind a single home, in a single location, subject to the local regulations, neighbors, climate conditions etc. carries significant idiosyncratic risk that is not compensated for by a corresponding risk premium. You are not paid for taking on avoidable and unnecessary risks, like betting on just one home, when institutional investors can own thousands and diversify away those investment-specific risks. You accept a much higher variance in outcomes for no additional expected value on your investment returns.

That’s on top of the reality that it costs money to own a home, there is significant upkeep and maintenance which can occur unexpectedly, and most home purchases require a mortgage which charges you interest which is typically paid in preference to putting money towards the principal. Landlords can get lower rates for upkeep than an individual can because of their significant bargaining power, such as through negotiation of support contracts.

By all means, buy a home, but don’t buy it because it’s a good investment. Disclaimer: I am a tool, and this is not financial advice.

My landlord can pay less for repairs than homeowners through agreements with repair providers and their own hired service people.

Wordpress makes the world go ‘round.

Oh my gosh I’m stupid. Thanks.

I love these dumb SpongeBob memes.

I think he left his phone light on his face.

EDIT: woosh

I had some amazing deck builders come in at less than 1GB.

I admire your optimism. I hope it is so.

I wouldn’t be so quick to judge. There’s truth to that, but life is about doing not about potential. Anything worth having requires work and comes at risk.

I can’t fault someone for taking a chance at what they saw as a very real possibility of being happy.

I know it’s a shit post, but I’m trying to be less bitter these days.

I’m so disappointed in people. It’s more than a few bad apples that spoil a bunch.

I must be not that bright because I played many games of battleship in my childhood and never even considered the possibility.

What part of this is passive?

They push that phrase so hard because it is gambling. They’re trying to skirt the legal definition, but the common sense definition would disagree.

How are they going to know this isn’t a threat lol?

Reckless behavior. Don’t trust a game company to exercise this extreme level of control over a device that you are supposed to own.

Just say no to kernel anti-cheat.

This is OC? That’s some quality effort for a shitpost.

You forgot the take-home project to include free labor in your begging.

We used to finger our users too.

It infuriates me because it’s disrespectful. The message insinuates that I wouldn’t be able to figure it out.

A single person used AI to help write a port for macOS. It’s not exactly a community effort even though the developer bills it as such. It’s unofficial and unaffiliated with the project.