n2burns

Is 20% the rule where you live? The article says the down payment is 3%.

I know that's the case in some markets, but I think it's pretty close in most places. Especially when you consider the other expenses of ownership like maintenance, property tax, insurance, etc. I know in my situation, we have a few hundred dollars a month more flexibility by owning instead of renting.

In a pocket, an arm-band, or compression shorts, sure! I guess I don't know where else it'd be.

You seem to be having trouble with reading comprehension. Maybe you need to read things more thoroughly? I'll try to provide some clarification.

First: you said, and I quote, “Riding a bicycle itself isn’t all that dangerous, even without a helmet.”. That is blatantly, proveably false, especially when you say that it’s not dangerous even without a helmet.

I didn't say it's "not dangerous", I said it "isn't all dangerous", which implies there is some danger.

In 2001, 44% of fatal bicycle accidents–377 out of 853–did not involve being hit by, or hitting, a car[1].

That's not what your source says. "Of the 1,230 bicyclist deaths in 2021, 853 died in motor-vehicle crashes and 377 in other incidents," is what it says, so that 30% that weren't in a direct motor-vehicle crash. Even then, how many were indirectly caused by motor-vehicles? If a bicycle veers out of the way of a car, that's counted as an "other incident". Speed is one of the most dangerous aspects of bicycles and you feel to cycle faster when riding with traffic. Even you previous noted many incidents which are poor infrastructure or maintenance issues.

If she had been in a car, and hit by another car? Yes, I think she would have been fine.

That's the point...cars are dangerous to people not in cars.

I disagree. If borrowers are unable to afford a down payment, that almost certainly means they have very little financial flexibility, which is necessary when owning a home. Now, I'm not trying to blame borrowers for this scenario. They are living through an affordability crisis and are almost certainly affected by the housing crisis if they are renting (as opposed to living rent-free/light with family). By allowing zero down mortgages, it's treating a symptom, but letting the underlying causes fester.

In your previous comment, you were equating "Danger" to "Death Rates." How often do you hear of a cyclist dying in an incident that doesn't involve a car?

Yes, accidents and injuries happen. I've literally fallen while walking twice in the past week.

My ex-wife broke her pelvis when she got hit by another cyclist.

And if that was a car, do you think she would have survived?

I don’t think that’s how it works when you’re talking about death rates.

The comment I was responding to wasn't talking about death rates.

There’s no good way to make riding a bicycle ‘safe’, because you can’t surround yourself with crumple zones, restraints, and air bags (although you can get airbags for motorcycles, but weight and breathability is less of a concern on a motorcycle). Helmets are about the best you can do, and compliance rates with helmet guidelines on bicycles are pretty low.

Infrastructure, my friend, that's how we make bicycling less dangerous. Riding a bicycle itself isn't all that dangerous, even without a helmet. What is dangerous, is interacting with cars.

To each their own, but I prefer wired earbuds run under my shirt, especially at the gym. Then if I need to take one out or they fall out, they're tethered to me.

Unless you're also biking on the highway, it's not comparable.

As opposed to now, where I have to do a double take whenever I see a modern single cab. AFAIK, they are now special order and some models don't even offer them.

Yup, but you responded to a comment about "healthier" and you were talking about "healthier". You can see my comment replying to that same comment about how "healthier" and "dangerous" are different.

How do you fall on your ass? The geometry just doesn't make sense to me.