Tag Archives: DuckDuckGo

Nevermind What I Said About Buying a Domain

In this post. Well, mostly nevermind. Mostly. As the way things are going now, you really can get a domain taken away from you, if you are known to have Very Bad Ideas™ and incite violence. Most of you that read this won’t need to worry about that since my readership aren’t of that stock (that I know of), but folks who have the ear of powerful people can be very touchy these days, and it’s getting to be that expressing the Very Bad Ideas™ will be synonymous with inciting violence. You’re far less likely to be deplatformed if you incite violence but think Very Approved Ideas™. Humans are excellent at rationalizing a special plead deal with the unwavering gods of logic when it comes to the behavior of their in-group.

Some quick ideas. At the very least, if you’re neck-deep in Google’s services, schedule backups every now and then with Google Takeout, and store the archives locally, or on Dropbox or your hosting (not on Google Drive, obviously). Register a non-Google email address, like at Protonmail, and maybe one that doesn’t identify you personally. Use Firefox or a Gecko-based browser, or Tor, for browsing. Use Startpage or DuckDuckGo for searches. Buy another domain and, like your email address, keep it non-identifiable back to you.

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Why Borrowers Pay Mortgage Insurance

The first search result for “why do borrowers pay pmi” on DuckDuckGo (fifth on Google) is this helpful page, which explains in as basic English as possible, why borrowers pay personal mortgage insurance and not the lender.

The reason I searched for this is because 1) I have a mortgage, 2) I pay for PMI, and 3) I wondered why I was paying for something that benefits someone else. It is basically to skirt the results of laws that were passed to fix a previous law to fix a previous law, an so forth. It’s shocking—utterly shocking—to me that a nonsensical situation is the end result of a paper trail of bureaucratic decrees.

It is all unnecessary.

If lenders paid for mortgage insurance, they would decide when to terminate it, based on whether or not they felt the insurance was still needed. Some lenders would probably reward borrowers after terminating the insurance. Borrowers could choose between two-tier rate plans and single-rate plans. The rules would be set in the market rather than by government.

It’s all unnecessary, yes, and vastly more confusing than if lenders and borrowers were only involved in the transaction, and not a third party that has no vested interest.

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