Imnecomrade

It’s a bit busy for a flag, but if there is a way to remove some of the detail, I would want to order a custom-made flag with a design similar to this.

Also I see the medicine wheel symbol has some white background not fully cut. It could use a little touch-up.

I also found this flag, but I like the use of the medicine wheel and the turtle above more.

Also on NATOpedia, there’s some criticism regarding misappropriation of the medicine wheel symbol by the non-Indigenous people. I wonder if anyone here is more well read on the topic to explain about the misappropriation and what a potential Indigenous flag of Turtle Island would like and how it would be better representative of the Native Americans, if it is even possible without distorting their traditions by combining them.

Perhaps when revolution comes and we give the Indigenous people and Blacks self-determination, maybe they would prefer to be represented as several separate nations/states.

There’s also this flag from the American Indian Movement:

Another variation:

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Meh, it’s not a god-tier joke, let alone a good one, just some amusing thought that wanted to escape out of my thought prison.

ugly child-less single trans lesbian women

The beautiful woman

I’m not sure why, but I find the women on the left more attractive than on the right. Perhaps because I may be a sapiophile and I find kind and communist people more attractive. I find liberal, capitalist, hypocritical, snobby, closed-minded, etc. traits in people to be a turn-off, no matter how well their appearances are. I don’t mean to judgy of the appearance of the woman on the right, though. I think they looks fine, but I like seeing women who are independent, defy stereotypes, and work in technical and scientific fields.

It also hurts my heart to see mothers to have to struggle hundredfold in capitalist societies.

That makes sense, my bad.

the working class has no nation

Ahem…we have a few AES nations. Just because you live in occupied Turtle Island, the occupied Global South, or some other fascist Western nation doesn’t mean the revolutionary proletariat has no socialist nation to support.

I wasn’t mentioning the apartment cost to compare to the house cost, but to mention my house needs given my circumstances and how my relatively low cost apartment plays a factor into my decision to save more for a house first.

Obviously, my landlord benefits from my rent as well as many other people’s greatly. Same as it would for a bank. I have no disagreements with you for the rest of your comment.

In fact, I agreed with your previous comment, too, and I was just highlighting different scenarios to show much over 10 year loans can be very costly. I was trying to demonstrate how the interest rate in combination with the long length of time and high principals make it difficult to avoid the massive interest loss unless every cost cutting tactic is combined. This was to show how saving more for a larger down payment, using a short term loan, and waiting for interest rates to massively decline are all essential to make it possible to own a home. Saving right now is critical.

To clarify, the point was about how my circumstances enable me to save more if I reduce my expenses, and if I were to attempt to save and purchase a home quickly with a low down payment and a 30 year loan with the current insane rates, I would be losing a lot of money. This doesn’t even include inflation and the costs of utilities and expensive home repairs and maintenance, which on top of the astronomical monthly bills makes owning a home not financially feasible for me.

If I were to save longer, inflation would cut out how much I save on interest compared to how much I pay in interest if I paid for a home sooner. Thus there’s probably a middle ground that would be optimal for me to jump into the housing market when saving any longer would make me pay more for inflated home prices.

I picked a 5 bedroom home because, oddly, a similar existing home was actually cheaper than some 4 bedroom or less homes around, which cost $400K+ for some reason. I could probably make do with 3-4 bedroom home.

One issue I face is that homes I see online are dwindling, so I risk waiting for a home too long before my opportunity is lost, but having a home and still paying high monthly bills could put me in a precarious situation as the US economy worsens. Plus I would have to trust I could keep a job in the long term as in this job market there’s nearly 0 tech jobs available besides senior and manager positions, and any jobs I have applied and interviewed for for the past few years I have not been hired for.

Getting a home sucks, homeowners and aspiring homeowners are screwed over by the banks and capitalist society in general in so many ways, and this is essentially my entire point. Workers need to seize the banking and real estate sectors if we want to see any meaningfully beneficial change.

So I did the math on an example 5 bedroom, 2 bath house of $300K (I picked this because I would need a larger home for my disabled mother and my half-brother to move in with me and my spouse), and let’s say the property taxes are $400/month, home insurance is $75/month, the down payment is 20% ($60K), and interest rate on a 30 year loan is 6.5%. Principal and interest would be $1,517/month according to trulia.

1517 + 400 + 75 = 1,992

(1,992 * 12 * 30) + 60,000 = $777,120 total cost including property taxes and home insurance.

Let’s try 10 years, and let’s give it an interest rate of 5.5%. Principal and interest would be $2,605/month.

2,605 + 400 + 75 = 3080

(3080 * 12 * 10) + 60,000 = $429,600 total cost including property taxes and home insurance.

Let’s instead do a 50% down payment ($150K) on a 30 year loan and a 6.5% interest rate. Principal and interest would be $948/month.

948 + 400 + 75 = 1,423

(1,423 * 12 * 30) + 150,000 = $662,280 total cost including property taxes and home insurance.

Let’s try a 10 year loan and a 5.5% interest rate this time. Principal and interest would be $1,628/month.

1,628 + 400 + 75 = 2,103

(2,103 * 12 * 10) + 150,000 = $402,360 total cost including property taxes and home insurance.

Let’s try the 50% down payment with each but this time with a 2% interest rate. On a 30 year loan, principal and interest would be $554/month.

554 + 400 + 75 = 1,029

(1,029 * 12 * 30) + 150,000 = $520,440 total cost including property taxes and home insurance.

Now let’s try with a 10 year loan. Principal and interest would be $1,380/month.

1,380 + 400 + 75 = 1,855

(1,855 * 12 * 10) + 150,000 = $372,600 total cost including property taxes and home insurance.

Even in the last example, I would consider the additional $72,600 ($15,600 from interest alone) to be pretty high but manageable (to my standards), and this requires being able to afford the enormous monthly cost. I believe the combination of the high principal with the long length of time is the biggest factor in the exorbitant cost in paying interest for the home. Most homeowners don’t earn enough tax deductions to go beyond the standard deduction.

I am very lucky to pay for an 2 bedroom apartment that costs $625/month, rent increase was only $25 every two years, garage is included, and utilities are included except electricity. I have access to great internet from a cooperative. I have been able to get away with having birds as pets with no pet deposits or rent increases (not pet-friendly apartment but received permission from landlord as long as no one complains about the noise). I have been able to screw things in the walls without complaints, and we were allowed to have a garden out in the lawn. I could make do with what I have. If I save for a few years (by reducing my expenses as much as possible), go to college, and earn more to save more, my spouse and I could just save for a home in full without losing so much from interest.

Plus considering dedollarization and the US’s economy potentially collapsing due to politicians’ idiotic policies in the next few or so years, I would rather not be in debt and paying such a high cost for a home per month and struggling because food, gas, household essentials, etc. astronomically increase in price.

The homes that are much cheaper in price and have lower property taxes tend to be in the middle of nowhere with no access to decent paying jobs or even decent internet speeds. Even fixer-uppers and land near better jobs are stupid expensive.

Yeah, I would rather save to buy a home with cash entirely. What a waste of money.