Yes it’s very remunerative. But have you stopped to consider it could be even more so? /s

Great idea!

Just make sure it’s not anywhere near me.

/s

Yeah, breaks your heart, don’t it?

You’re not misunderstanding at all. Opportunity cost is that simple.

If I can get 5% guaranteed on a government bond, and my buddy needs some help to get out of a jam (and I’m as sure as I can be he’ll pay me back) and he offers me 3%, if I give him the money I’m not doing a nice thing and making 3%, I’m an idiot that’s losing 2%.

At least according to the people that can only think of more more more.

It doesn’t always have to be greedy though. If you’ve got money you don’t need anytime soon sitting in your checking account doing nothing what your missing out on by not at least putting it in an interest bearing account is opportunity cost.

First of all, fuck landlords and double fuck people that buy up single family homes to rent out. This is not an endorsement, just a basic explanation of opportunity cost for anyone interested.

Fuck landlords, in case you missed the first one.

Now that that’s out of the way, opportunity cost is what you lose by not doing something else with your capital.

For example:

You assume you could make an average of 10% a year in the stock market.

You have 100k equity in a rental property.

You collect rent, after paying the mortgage, taxes, maintenance, and any other expenses you make 10k in a year.

That’s 10% of your 100k in equity, the same you estimate you’d make in the market, no opportunity cost.

Some number of years later between paying more of your mortgage and increase in the value of the property you have 500k in equity.

You only increased rent enough to cover increases in taxes, maintenance, and other expenses so you still only make 10k a year.

That is now 2% of your 500k in equity.

The 8% difference between the 10% you think you could make in the stock market if you sold the place and the 2% you’re getting without jacking up the rent, is the opportunity cost.

Of course there are more things to take into account, this is just to give you a basic idea.

Fuck landlords.

Am I missing something, or is it not possible to criticize the media’s obsession with attractive white girls without calling a person in a hospital after being beaten and probably gang raped stupid for no reason? You fucking piece of shit. See how I had a reason there?

Adagio.com

From cheap to very expensive and everything in-between. Big resealable bags to get the per cup price down. Having a couple small canisters you can refill from the bags makes it so you don’t open the big bags too often, if you did it every day it would probably get stale.

A very generous reward program that basically gets you 10% back.

And they always give me a few samples with each order. I’ve been turned on to some new stuff that way.

I usually get a few big bags of my staples (which are medium price) and some smaller weights of nicer stuff for when I want a really good pot.

It’s hard to get a good return on your investment in residential real estate without using leverage.

For instance: You don’t buy one place outright. You buy 5 with 20% down. You may not have positive cash flow, but at long as it isn’t negative not only do you get all the increase in value, you also get more equity every month as the tenants pay your mortgages.

If you bought it outright and over some period of time the tenants have paid your entire investment and the price of the property doubles, you doubled your money. If you buy 5 and over some period of time the tenants pay your mortgage and initial investment and the properties have doubled in value you have increased your initial investment 10X. And before the big expensive renovations come in, you can sell and buy something else if you’re not equipped to deal with that.

Also if you are just breaking even to get free property but you want to start getting passive income, after a few years you can refi to a longer term and lower your mortgage payments to get in the black every month.

This isn’t advice, fuck anybody buying up single family homes to rent, just showing one way they can generate both wealth and passive income for nothing. Literally nothing if they’re using a property management company.

Fuck anybody buying up single family homes to rent. I know I already said that, but it bears repeating.

If they’re from a “boil your water” kind of place, they also probably order steak well done, so same thing.

I think he’s saying the length of the tongue isn’t the reason they enjoy oral.

In other words, deep penetration isn’t the only way, and for some not the best way, to please a woman.

I am not conflating Nazis and communists. I am comparing you to a Holocaust denier because of your conspiracy theories about the existence of these places established to educate people about the well documented atrocities of the communist states. I didn’t say they were as bad as the Nazis overall, I pointed out they happily used the cramped cells, torture implements, and kill rooms left behind.

It is very much not the exception in communism. I have been to almost every former Warsaw pact country and a few countries that were part of the USSR and these museums are universal.

Your do a great disservice to the tens-of-thousands of victims of the communist states. I spent a lot of time in these places, looking at mugshots and intake forms and reading about what happened to them.

What do you think when you hear about a fascist antisemite standing in front of a pile of children’s shoes in a Holocaust museum saying “it didn’t happen”? Because that’s what I think about you right now.

And I never said concentration camps (edit: although these museums do tell the stories of the tens-of-thousands “deported” to camps in Siberia and other places), I was taking about buildings used for the imprisonment, torture, and murder of mostly political prisoners, but also others that upset the Nazis/communists in some way. Here is one example of many. https://www.terrorhaza.hu/en

So they just built all those museums dedicated to the hardship and terror of those years as a little joke to mess with westerners like me as I traveled through their countries?

Interesting side fact, in places that were occupied by both sides in WW2, some museums could do double duty. The places the Gestapo used to imprison, torture, and murder were often the same places the communists used for the same purposes.

A ten year old poll, that happened before some important recent events, and is mostly from Russian client states in central Asia and the Caucasus because it only encompasses countries that were part of the Soviet Union is disingenuous, at best, in response to this post about eastern Europe.

Try that poll again today in Albania, Bulgaria, Czech Republic, Slovakia, former East Germany, Hungary, Poland, Romania, and the Balkans. See how that goes.

Edit: I don’t know how I overlooked the Baltics, I was just in Lithuania, Latvia, and Estonia for a few weeks this spring. If the museums are anything to go by, their responses to this question would definitely contradict your narrative and they were part of the USSR.