Loan term refers to the total life of the loan. A 10 year term would mean you could pay off the loan in 10 years through making minimum payments.
Are you referring to an adjustable rate mortgage (ARM)? That’s what’s they’re called in the USA. ARMs haven’t made a lot of sense in most cases as of late.
What does lending look like there? Do you all do 30 year mortgages too? Do you have an option for a fixed rate mortgage?
I’m upvoting your comment because you bring up great points, but I personally disagree with the disengaging from world events aspect. I’ll miss the niche subreddits that helped you solve the most random of issues, but I think reddit was far from a great place to disengage from news and the political discourse brought by news. Ever since the 2016 election cycle, I personally saw a considerable increase of posts regarding politics that came from both established subreddits and new ones that popped up (like /r/enoughtrumpspam which simply added more spam to the pile).
I think Trump’s campaign and presidency really ignited a lot of this, and while I neither like nor support Trump, I miss when the biggest disruptions were from isolated events (like the Occupy Wall Street movement or the Ellen Pao fiasco) rather than 4 years of a presidential tenure.
After years of nonsense, it all just got tiring. You can curate your reddit experience, but what happens when all the political doom scrolling finds its way into your favorite subreddits?
Kbin and the rest of the fediverse will grow, and I’m aware that the same kind of posting will find its way here, too. Thankfully the fediverse lets you subscribe to multiple communities of the same name, so maybe /m/news isn’t up one’s alley but /c/news is, for example.
I didn’t realize how shit reddit was getting until I stopped using it. The constant barrage of political shit accompanied by low effort comments/puns did a number on my happiness. I stopped using Facebook for similar reasons.
I’m glad you’re also adopting the mindset of being an active contributor. For years I also just would scroll and seldom upvote, but if we want to make “this house a home”, we need to put in the effort ourselves! I look forward to seeing how this all plays out. So far, I am very optimistic. I hope you find your niche interested here sooner than later!
I’m doing my part by hosting a bondage magazine (/m/bondage) on kbin. I spent 11 years getting all this free porn from /r/bondage, and I think that if we all take an active role in posting our favorite types of nsfw content and help foster its growth through interacting with other posters, this’ll all go well.
At the end of the day, we just need to work towards having new content daily for people to look at.
I do have genuine concern about radicalized individuals doing crazy shit like this, but I think it’s at least some solace that they’ve so far been morons.
I know this has always been an issue for the nearly 12 years I’ve used reddit, but I’ve seen a lot more of the smug redditor comments than normal that remind me of this guy’s skits. Usually I’d only see larger instances of smug know-it-alls when someone brings up religion (since some reddit atheists can’t help themselves), but I’ve personally been seeing more smartass remarks on the weirdest of things.
Has anyone else noticed that as well?
@ernest
@Fizzee @abff08f4813c @tbird83ii @BedSharkPal
Given that Kbin has more active users in the past month than any lemmy instance, I’m sure it’s been wild for you considering this was a side project.