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Joined 1 year ago
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Cake day: July 1st, 2023

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  • It’s a duplex so the HOA only has two homes in it. The fees were designed to cover the water bill, master insurance policy, and slowly collect enough money to replace the roof every decade or two.

    Unfortunately the other unit has no interest in even basic maintenance so unless we take care of everything the place slowly just falls apart. We’ve had to fight with them over every tiny repair from siding damage to a literal hole in the roof that a squirrel chewed out. They keep running an Airbnb with loud guests who throw parties despite it being against the HOA and unless we pay for our own lawyer there’s no way to actually enact the fines and stuff as laid out in the HOA rules.

    We’re selling and never buying in a small HOA ever again


  • I had a loan like this one. Probably a plus loan. For a while the rates for plus loans eclipsed 8% and plus loans accrue interest while you are in school. So if you don’t know what you’re doing, you can take on 4 years of interest before you even start paying. Turns a $20k loan into a $30k loan before you even graduate. Plus loans recapitalize interest whenever they come out of deferral so you actually pay interest on the interest as well. So by the time you pay the loan off that is then $41k in total payments for what was originally a 20k loan

    Do this 4 times for each year of undergrad and you’ll have 164000 in total loan payments over your lifetime.

    Plus loans are a government backed scam to fuck over poor kids who can’t front the cash for what the federal aid program covers. My base grants were only ~40k over 4 years and my federal unsubsidized and subsidized loans only were ~24k over 4 years.

    Meanwhile the prestigious university I was accepted to charged 24k per semester. So I had 64k of aid and low interest loans to pay a tuition of 192k. After my work study added an additional 20k/yr I was still short 48k and poof there the plus loans were to “help” me.




  • unique screens have unique canvas fingerprinting.

    Exactly what I just said? Don’t use unique screens and you are less identifiable. The most anonymous browser is a freshly wiped two year old Apple device running safari or chrome from a university campus or coffee shop. A million other laptops have the same base canvas fingerprint.

    Fewer people use Linux. Fewer people use specialized browsers. Fewer people have external displays. All those things make you easier to fingerprint than a vanilla machine.

    Is it possible you misread what I typed?