Recent comments in /f/dataisbeautiful

WaitAMinuteThereNow t1_j1yftqe wrote

Thanks for the response, but you kind of prove my point. There is no South-side or Chicago in Hawaii, that is why there is, um, no murder rates like in the south side. Winetka is exposed to the same 'filtering' of firearms and doesn't have the murder rate. I doubt the drive up I-94 is the real issue...

So across Illinois you hold the gun laws constant but you get vastly different murder rates. So gun laws aren't the driver of murder rates.

As to the rights issue, the right recognized by the 2A is THE RIGHT that all others depend on. You might not like that or recognize it, but it it true. The 1A is the right to think and say what you want, and the 2A is "no seriously, I get to say and think what I want."

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Sadgasm1 OP t1_j1yfh7h wrote

Oh yeah generally youre right, but the data was also ‘doubled’ in this way. Because each row is a match, the variables are present for each team separately. For example: there’s attempts from outside the box by team1, and attempts from outside the box by team2. The pattern of relation should be symmetrical because these differences are arbitrary as you say.

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scarabic t1_j1xjq9u wrote

Um. My dude. No, I didn’t just forget about my down payment (which immediately becomes equity anyway - you knew that, right?).

The rest of this we tracked continuously and at tax time. If you’ve never owned, maybe it seems hopelessly complex and expensive to you. I can’t tell if that’s it or you just tried so hard to puff up that list that it became ridiculous. Furniture!

Anyway keep renting since you find it morally superior to be exploited than exploit. I won’t take that away from you, just the illusion that you’re somehow not involved.

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iidesune t1_j1xh0vz wrote

This is a fine argument for the merit of being a renter.

Just feel fortunate that you lucked out and found a buyer for your home. I would challenge you to factor in down payment, closing costs, maintenance, interest, selling costs, taxes, insurance, and other housing related costs (furniture, utilities, etc) before determining that you actually made a big profit by selling your home.

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scarabic t1_j1xgalo wrote

Yeah maybe that metaphor is pretty obtuse.

What I mean is that speculation bubbles don’t always have much basis in real value. Housing in particular is highly leveraged. People buy a house without having all the money for it. Banks lend them the money but they’re not entirely liquid either. The mortgage gets sold and resold, bundled into investment vehicles and derivatives. Families count on their house to be some kind of “investment” and rely on the bubble to fund their retirement. It’s a big network of over-leveraged actors. It stumbles onward largely on its own momentum, but it can be totally hollow, a bubble, a “zombie.”

Renters on the other hand pay cash in hand everywhere they go. Nothing they do is permitted to be a loan or leverage. Whenever renters appear in the diagram, actual cash is flowing in. “Blood infusion.”

Maybe I meant vampire, not zombie.

To offer an example: I bought my first home in 2006, right before the big crash. I got a loan with very little down during the subprime lending spree. Then the crash happened and I wound up upside down on the mortgage. Shortly after I also needed that freedom to “vote with my feet” and move that you speak of. Know what I did? I rented the place out. I paid the mortgage, taxes, and repairs with the rent cash while the market recovered. Even pocketed some monthly profit. And once the market roared back, I sold the place at a big profit.

I was the person over-leveraged, actually at negative value, the zombie, but by feeding on renters, I was eventually made whole.

So when you say you rent because you l’re disgusted by the whole speculation market, I don’t see how that’s a solution. The buyers/sellers are still feeding on you as a renter. You’re maybe the only party in the entire picture who is always there with ready cash in hand, while everyone else is engaged in a gang-bang of credit leverage.

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nocuzzlikeyea13 t1_j1xamli wrote

Have you heard of something called a Bayesian Prior? Colloquially, extraordinary claims require extraordinary evidence. This isn't an extraordinary claim, if anything it's extremely mundane. The high level of scrutiny here isn't actually very justified at all.

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