Link Love

DC Judge approves government warrant seeking data from anti-Trump website because it helped facilitate planning of Inaguration Day protests.  *cough*fascists*cough*

Speaking of fascist states, Police unions and legislators are standing by laws that protect drivers who kill protesters

How close is your closest confederate memorial?

From February but clearly correct

Look at that weird gradient in California.

This is an excellent comment by Annalee

We can’t afford a house in Paradise.  :(

Financial milestones

I got a call from these scammers  (blocked)

Have you tried baking with ancient wheat?

peppermint stick pickles

bothers me that that isn’t the sagittal plane

someone save this poor kitty

 

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11 Responses to “Link Love”

  1. Linda Says:

    I can believe that Park Forest, IL is the most toxic place in the US. The south suburbs of Chicago are full of racist, misogynistic, cranky, jerks. The ones that could sold up and fled to places in northwest Indiana that are still mainly white, but there are still plenty left who couldn’t sell for some reason or another and are bitter. That’s not to say that everyone in these places is like that. I grew up in the south suburbs, and when I visit Chicago I often stay with a friend in the area. But I know these types far too well.

    That Nerdwallet calculator really confuses me. It doesn’t seem to allow for a mortgage without PMI. I plugged in the numbers relevant to my home purchase last year (my down payment, my annual salary pre-tax, etc.) and it spewed out a crazy result that was nearly $400k more than I spent on a house. The only way I could “afford” a house of that cost is if I was comfortable not saving any money for retirement. I adjusted the slider to a home price as close to what I paid as possible, and that was well within the “affordable” range. I wouldn’t recommend using that as a way of confirming that you can’t live in paradise, if that’s any consolation.

    That post about financial milestones is interesting. My first reaction is that I will never get past step #6, but if my home value rises as much as they have in this area in the past, then I may hit #8 at some point. (I’m going to skip #7 since I really don’t care about cars.)

    • nicoleandmaggie Says:

      That’s good to know about the nerd wallet calculator. I did notice that it includes closing costs in with your down payment but that is unlikely to account for a 400k discrepancy. Also if you change anything it resets your down payment to the min and you have to restart to get the down payment back to your original setting.

      • Linda Says:

        Yes, that was the other thing I noticed and meant to comment on. When it asked for a down payment, I put in just the down payment, not the down payment with closing costs. There doesn’t seem to be a way to get it to calculate the down payment only as a down payment unless you “game” it by adding down payment plus your expected closing costs into that field. (But then, why just call it down payment?) I guess it’s geared towards people who forget that there are other costs to buying a home other than just a down payment and monthly mortgage. It still bugs me that I couldn’t get it to drop PMI, though.

    • becca Says:

      The first white household in the location that is now Park Forest was in 1833 and in 1834 it became a stop on the underground railroad. As a planned community, Park Forest was integrated on paper from it’s start in 1946 and in reality in 1959 (shoutout to the Unitarian Church for that one). Today it’s 60% African-American.

      Yes, there are racist, misogynistic, cranky jerks in the south suburbs of Chicago. They concentrate in Orland, and are perpetually bitter because they can’t afford Winnetka.
      Park Forest has many issues, but erasing it’s history because of two terrible trolls isn’t quite fair.

      I saw that thread back in Feb. It’s not true. Wall Street is exactly why immigrant parents are being rounded up. I mean, check the tickers for CXW and GEO (which donated to Trump) over the last year. It’s depressing, but I think the only reason we have detention centers at all is because somebody figured out they could take tax payer dollars for locking people up AND get forced labor out of the people.

      • nicoleandmaggie Says:

        You can’t blame all of wall street for a couple of racist rich people.

      • Linda Says:

        Ha, ha, ha. I lived in Orland Park for a few years. I didn’t experience it as any more racist than other south suburbs, although I would agree about it’s “inferiority complex” of not being a north shore suburb. Flossmoor is pretty stuck up, too. (Although, Friend that I visit has relatives there and lives in nearby Olympia Fields.) My old stomping grounds from childhood through mid-twenties was Hazel Crest, Homewood, Markham, Harvey, South Holland, Thornton, Lansing, Dolton, Matteson (mainly for the mall), Oak Forest, and Orland Park. Now that I reflect on it, Thornton was probably the most racist at the time since I heard about a black family being run out of town at one point. And that may still be the case.

      • becca Says:

        CXW and GEO aren’t “a couple of racist rich people”. They are giant corporations that are profiting off of human suffering. And CXW’s largest institutional holder is Vanguard. We are all the “good Germans” on this one.
        The worst case scenario with Trump is literal concentration camps (I doubt it’d be Jews as a focus this time, but I wouldn’t put money on any given marginalized group being safe). That’s why he pardoned Arpaio. Not (just) because they are like-thinking racist buddies, but because the idea of legalizing any inhumane treatment of people in detainment (oftentimes people who are not even convicted of anything) is so crucial for Trump’s long game.

        Wall Street has plenty of redeeming features, but private prisons have very few. Human rights are violated regularly in our jails, detainment centers and prisons, and corporations have found a way to profit from this. I don’t “blame” all of Wall Street, but I do blame the incentives our current incarnation of capitalism has cooked up in terms of why people are being rounded up.

        Linda- I’m being somewhat flippant about Orland, but I do think there are some perniciously racist people there. Flossmoor may be stuck up, but specifically on the racism front there is a meaningful difference between 47% black (Flossmoor) and 0.7% black (Orland).

      • nicoleandmaggie Says:

        Just noting that your two arguments about whether or not to denounce an entire group based on two members exactly contradict each other.

    • Sarabeth Says:

      The calculator also hilariously underestimates the taxes in my zip code (they are actually about 3 times as high as the estimate). And yeah – it said that I could afford an $850k house. We actually just bought a house two months ago, which cost about $500k less than that, and that was the top of our budget. There is no way we could afford $850k. The calculator asks about debt, but no other monthly expenses. It also assumes that we can spend 40% of our gross income on a housing payment, which seems like a bad idea, even for people who don’t have two kids in daycare. That’s more like 65% of our take-home pay (after taxes, retirement savings, insurance premiums, FSA contributions, etc). Terrible, terrible advice.

      • nicoleandmaggie Says:

        They were pretty spot-on on the taxes in my zipcode. I wonder if they use average tax rate rather than tax rules (which would underestimate taxes for places where the tax value doesn’t change to match sale prices each year). We really can’t afford a home in paradise!

  2. Debbie M Says:

    I got most of the financial milestones (and am now probably done, depending on inflation), but probably in this order: 4, 1, 7, 2, 3, 5, 6, 11, 10/12/13/14. In other words, I had to pay off my student loans first, and paying cash for my second car happened very early and is also a big part of what allowed all those other things to happen. Qualifying for my pension let those last 4 things happen blam-blam-blam.

    I was very sad to learn about Joss Whedon, much of whose work I love. Just like I was sad to learn that Lincoln was a racist and that Martin Luther King had affairs and Bill Cosby oh-my-god. Like she said, Whedon (and people in general) are not to be worshiped. I admire the good traits, not the bad traits, and if the bad traits are bad enough, I am for criminal conviction (or some better solution) no matter how good the good traits are. I probably need to stop saying I love (famous) people and start saying I love their work. I generally still support work that I think is good, to reward that, though I know some of the money may be going to a bad cause, but I have mixed feelings about that (I don’t go to Hobby Lobby). (If you are in the latter camp, let me recommend “Miss Fisher’s Murder Mysteries.”)


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