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Cake day: June 17th, 2023

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  • The Mortgage Insurance Premium (FHA) and Annual Guarantee Fee (USDA) make either costly in the long run. You get to skip the down payment, but the added cost of mortgage insurance (irrespective of how it’s labeled) hurts lower income borrowers. Both are costly, and neither are necessary. The property is the collateral. The lender loses future revenue and is inconvenienced if the borrower defaults, but they obviously do well enough overall to shoulder that burden.









  • You can prefill the needle and keep it in a pencil case. Syringes work fine through clothes, although not ideal.

    I’m an insulin dependent (T1) diabetic. I keep a glucagon kit on hand in case of an emergency. It’s a syringe and vial that needs to be mixed. The idea is that if you’re unconscious, someone that is close can administer. If I were severely hypoglycemic I’d have problems, but my partner wouldn’t. I could pull it off if it were prefilled, but you can’t prefill glucagon.

    Edit: I totally get it and agree though. Life saving medicine shouldn’t have any barriers.